No business can run without people. While some people may be replaceable, every business is dependent on a few key people for its operations. The loss of such key people due to any reason can be a big blow and can affect the revenues. It is in such cases, that business owners usually go for…
This note looks at the recent pullback in share markets. The key points are as follows: – Shares have fallen over the last weeks or son on the back of concerns about China’s tightening, the regulation of banks in the US, and sovereign risk. – This is consistent with out expectation for rougher and more…
High sovereign debt levels are causing concerns in global financial markets. This notes looks at the key issues. The key points are as follows: – A global blowout in public debt has been a key outcome from the global financial crisis. Aging populations are also playing a role. – Debt crises in peripheral countries such…
When was the last time someone asked you purchase a life insurance policy? When was the last time you received an irritating phone call promoting life insurance? The truth is, while we all have heard of and probably even considered buying life insurance, most of us still look at life insurance as a cover lest…
Income protection insurance is probably one of the most complicated insurance policies you will buy, with several options, features and benefits to choose from. Nevertheless, income protection is important to cover you should the unthinkable happen, or should you miss work due to sickness or accident. An income protection insurance policy will ensure a steady…
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This note provides a review of the economic and investment scene in 2009 and examines the outlook for 2010. The key points are as follows: – 2009 has been a year of recovery. First in share markets and then in global economic activity. Whilst unlisted assets, such as property, have remained under pressure, they always…
What if? No one likes to think about the ‘what ifs’ – but unfortunately they do happen. Here are a few of the most common. What if you injured your back playing sport and couldn’t work for six months? What if you wre driving were home one night and another driver made sure you could…
This note looks as the increase in the importance of emerging countries in the global economy and what this means for the economic/investment cycle and investors. The key points are as follows: – No matter how much economic and investment issues change, there will always be a cycle. In other words, history may not repeat…
This note looks at the surge in the gold price to a record high. The key points are as follows: – The rise in the gold price is being driven by a combination of factors including: worries about inflation and the outlook for paper currencies, central bank buying, and a fall in the opportunity cost…