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Archive: 2016

State Pension top up – Six Months Left to Apply

The Department of Work and Pensions (DWP) has recently issued a reminder to all those who have expressed an interest in topping up their Additional State Pension by up to £25 per week. The option to make Class 3A Voluntary Contributions applies to individuals who attained their State Pension Age (SPA) on or before 5th April 2016, i.e. […]


Donald Trump and the market reaction

In one of the biggest surprises in modern election history, Donald Trump has emerged as the President-elect and will take office in January. While some are overjoyed and some are dismayed, the markets are decidedly unhappy. As of this writing, the markets are reacting negatively to a new president that ran on a pro-business, low […]


US Presidential Elections and Stock Market

Today, Americans head to the polls to elect the next president of the United States. While the outcome is unknown, one thing is for certain: There has been a steady stream of opinions from pundits and prognosticators about how the election will impact the stock market. As we explain below, investors would be well‑served to […]


Dividends Vs Salary

In light of the 2016/7 dividend tax changes, business owners are to reconsider the detail of their dividend v salary choices. If we look at the situation where the income in question falls above the upper earnings limit/higher rate threshold, the advantage of dividends remains, but is reduced (as the Chancellor intended):           […]


How to Increase your Productivity

It’s safe to say that each of us could benefit from an increase in productivity. While increasing productivity is an almost universal goal, only a few of us have a concrete plan for doing it. These simple, actionable tips are designed to help you increase your productivity, which will lead to achieving even more throughout […]


Conservative Party Conference what’s the plan?

The, just passed, Conservative Party Conference may lead some to conclude that the new government is quite different to the immediate past one. Fundamentally different. The world it is operating is different. Thanks to the vote for Brexit, it’s an even more uncertain one, despite what some may strive to tell you based on economic […]


SAVE THE DATE!! Children in Need Cake Sale

Friday 18th November 2016  at 9am – 12 noon Venue: Lydiard Village Hall On Friday 18th November we will be holding a Cake Sale to support BBC Children in Need at Lydiard Millicent Village Hall.  The money raised will go on to help disadvantaged children and young people across the UK.  We are really looking forward […]


Remain Calm in Volatile Markets

Last year, around this time, the FTSE 100 lost nearly 10% in 8 trading days in response to China’s crash — a dive that many saw coming, because when China sneezes, the rest of the world gets a head cold. While it recovered somewhat soon after, this kind of volatility is enough to shake even […]


Wants, Needs and Happiness

We live in a culture of wants and needs and we’ve been conditioned from an early age to place enormous value on material items — the fancy car, the big house, the designer clothing. It’s the brass ring many of us are constantly striving to attain and we often convince ourselves that once we get […]


Lexo investing

How the Economic Machine Works – by Ray Dalio

Ray Dalio runs the worlds largest hedge fund – the Alpha Fund with more than $169bn in assets, he has been crowned one of the worlds most successful investors of all time, founding Bridgewater Associates in 1975.  Here is his take on how the economy works – he’s worth listening to!



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