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 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 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 [...]
by admin | Sep 30, 2015 | Blog, Business, Business Notes, Economy, Finance, In Business, Insight, Monthly Musings, Small Business Blog
From The Desk Of: Michael #stepupfinance Stating the Obvious @DeirdreSpark It's September. What?!? No shame in stating the obvious because September! *clings to summer with death grip. One Direction As from March 2016, the MCD (Mortgage Credit Directive) comes into effect. Some lenders are choosing to adopt the rules, which affect BTL, second charge [...]
by admin | Jul 27, 2015 | Blog, Business, Business Notes, Economy, Finance, In Business, Insight, Monthly Musings, Small Business Blog
From The Desk Of: Michael #stepupfinance PAYBACK TIME Who’s Paying? Mostly everyone; lenders, banks, businesses and individuals affect each other, from the effect of Interest Rate lows, highs and fluctuations. Add on any advantages and disadvantages of differing mortgages, loans, pensions, property values, investments and bonuses, savings also take on a new architecture. What’s Being [...]
