There is much talk at the moment around transferring pension benefits from Defined Benefit (Final Salary) schemes – especially in the wake of the British Steele pension issue. It is a hugely complex area, one which requires high levels of care and consideration, and it is not just the financial issues to consider, it is a whole different way of planning around your pension and life. Continue reading “Cruising or Paddling Your Own Canoe ? That is the difference between pensions!”
Is the financial advice experience negative or positive?
A question I have been mulling over – ‘is financial advice negative or positive’ – or is it aimed to create negative feelings, then solve them with overly positive predictions or scenarios, or actually, should it be to create positive feelings, then stay sensibly grounded, aware of what could happen (negative scenarios)? Continue reading “Is the financial advice experience negative or positive?”
What your emotions and the financial markets have in common
Your emotions and the financial markets may have more in common that you first think.
Over the long term, the general trend of financial markets is upwards. Like it or loathe it, the concept of financial growth (some may call it capitalism) seems to work. Of course, from time to time, there are little wobbles along the way, sometimes (2001 and 2008 spring to mind) there is a calamitous drop in value. Given time however, and avoiding panic, generally, things recover, and after a while, are back to where they were, and improving again (unless of course you had all your assets in one company which went bust) . This is the message we convey to our investment clients at Serenity – trust in the plan, and despite the short term wobbles, in the end, the plan will see you through.
Using happiness as the global currency instead of money, generally, society can hope to work towards greater joy, feeling better about the things around us and ourselves. Trust that generally, life will be ok, and we find that the investment in ourselves will pay dividends, be it health or mental functions. Continue reading “What your emotions and the financial markets have in common”
Why your emotions are like a zit
How hard do you find it to let go of thoughts, words, opinions, impressions and perceptions. All of these add up to emotions – which, as we shall see, are just like a spot (or zit). Continue reading “Why your emotions are like a zit”
Belief, focus, time management, health and ignorance – that’s all it takes…
You probably have great intentions to move forward with one thing or another, yet doubt creeps in, you get distracted, run out of time, don’t feel up to it, or spend so long gathering information, that the time has passed.
There are 5 key non-negotiable disciplines of high achievers. Continue reading “Belief, focus, time management, health and ignorance – that’s all it takes…”
Are you a traveller or a tourist through life?
Very soon, your thoughts may well start to turn towards their holidays. Are you though a traveller or a tourist?
Travellers tend to enjoy everything, embrace the moment, experience, wonder, not over prepare or over complicate, and focus on enjoying the here and now.
Tourists however, tend to want to tick things off their lists, have to be over prepared, everything planned to perfection, collecting photos for Facebragging and deeply concerned with telling everyone else what a great time they are having – sometimes, to the detriment of their own real enjoyment. Continue reading “Are you a traveller or a tourist through life?”
Nine months which could change your life
Could you imagine if 9 months ago you made a momentous decision to transform your life? Remember the people who were stuck in the London life – well here is the update… Continue reading “Nine months which could change your life”
Leave the smoke and run to the sun
Are you one of those people who commutes around 90 minutes a day to get to work and again the same in evening as the return journey?
If you are – this true story of someone I was working with will resonate with you… Continue reading “Leave the smoke and run to the sun”
The benefits of leaving the city and heading to the beach
Why does it seemed that so many people in Cornwall are laid back to the point of being horizontal ?
Frazer Hicks the boatman from the Isles of Scilly once famously described the local word ‘dreckly’ as “like manyana, but with less urgency”.
So what is it about living near the coast, on the beach and in sight of the sea? Scientists have discovered that the ‘blue space’ effect has an incredible way of making you feel at ease.
There are four notable ways : Continue reading “The benefits of leaving the city and heading to the beach”
Here are the five bigger holes in your bucket…
Following on from the post ‘There’s a hole in your bucket”, lets have a closer look at each of those areas in turn : Continue reading “Here are the five bigger holes in your bucket…”