by admin | Jul 7, 2016 | Blog, Business, Economy, Finance, Miscellaneous, Uncategorized
Sustaining a balance is an ongoing challenge for businesses (and householders) - Throw the Brexit fallout into the mix of low base-rate, house price-to-income ratios being proportionately sky-high, plus a scarcity of property stock, and some consequences from leaching in the economy are inevitable. Caution is aligned to such draining, and easing-off seems to be [...]
by admin | Jun 24, 2016 | Blog, Business, Economy, Finance, In Business, Insight, Monthly Musings, Uncategorized
Spreading the Word - Second Steppers. Home owners living in their first home and looking to take their next step up the property ladder. As price gaps widen between flats and houses, ‘second steppers’ need to save more than they’d anticipated because plans of using the equity from the sale of current property is insufficient [...]
by admin | May 30, 2016 | Blog, Business, Business Notes, Economy, Finance, In Business, Insight, Monthly Musings, Small Business Blog, Uncategorized
"According to......." According to @enf collecting data about housing costs is a worthwhile exercise. Kudos. 1979 was the year that San Francisco’s Mayor imposed a rent control, 70 years later, data inspection shows an average 6.6% increase (mostly year on year since 1956) – rent control or not. Eric Fischer cites ‘It would take a [...]
by admin | May 23, 2016 | Blog, Business, Economy, Finance, Government, Market Update, Uncategorized
The overview from Bank of England’s Q1 Inflation Report is that Annual output growth has eased slightly compared to the same time last year and the theme of uncertainty continues, notwithstanding the outcome of the upcoming EU referendum. Following the introduction of the National Living Wage, labour cost growth has edged higher. Restaurants and cinemas [...]
by admin | May 3, 2016 | Blog, Business, Economy, Finance, In Business, Insight, Monthly Musings, Small Business Blog, Uncategorized
Tell Me What You Want! I Don’t Want to Set the World on Fire….. According to house-hunters, as surveyed by Go-Compare, central heating and double glazing, followed by a garden, secure doors and windows, off-road parking, a bath tub, local shops and amenities, friendly neighbours, good broadband connection, good energy efficiency rating, a landline telephone, [...]
by admin | Mar 31, 2016 | Blog, Business, Economy, Finance, In Business, Uncategorized
What a difference a day can make. As from April 1st 2016 an increase of 3% stamp duty will be applied to all second residential properties over £40,000, automatic 10% ‘wear and tear ‘allowance is removed and, from April 2017 the Interest portions of BTL mortgages will change to a flat 20%. The load of [...]
by admin | Mar 15, 2016 | Blog, Economy, Finance, In Business, Miscellaneous, Small Business Blog, Uncategorized
I see and hear enough people pouring ‘blood, sweat and tears’ into their businesses to understand that any numbers that maximize and translate to profit help to stop cold sweats. Lenders ask tough questions and expect full answers; they have the power to reduce an applicant’s options, as economic imbalances are making risk variable, distorted [...]
by admin | Mar 2, 2016 | Blog, Business, Business Notes, Economy, Finance, In Business, Insight, Market Update, Monthly Musings, Small Business Blog, Uncategorized
Rules Change What’s Changing? Accounting Standards Financial instruments (debts and liabilities) of a company. When? Mainly accounting periods on or after 1 January 2016 What’s the Difference? Various including, where loans have been made at non-market rates (i.e. shareholder interest free), the company is required to fair value the loan assuming that a market rate [...]
