Every fortnight under the title of 'Ties are optional', Les Conway shares his thoughts about what’s going on in the World and how it can affect and impact your lifestyle and finances.  Feel free to sign up here to subscribe to receive.

I’ve been flustered by a video exposé

Posted by siteadmin on Wednesday 21st of June 2017

With the soaring temperatures we’ve been experiencing over the past week, the last thing I needed was to get flustered.

Thankfully, it’s all in the good cause of sharing what I do with people and why good lifestyle financial planning helps people live the lives they want.

Click here to view my debut video blog.

And look out for regular video updates to accompany our blogs.

I’d love to get feedback and your thoughts on future videos along with what subjects or issues you’d like me to talk about.

So what does the result of the General Election really mean?

Posted by siteadmin on Sunday 11th of June 2017

My blog following the 2015 General Election was entitled 'Don't take us for Granted' (feel free to check back). In that situation, Ed Miliband and the Labour Party did just that. Now we've seen that replicated by Theresa May and her close consorts. It could also be argued the same with Nicola Sturgeon and the SNP where Alex Salmond (the man who wanted to be king) and Angus Robertson (the SNP Deputy Leader) both lost their seats. Meaning that 'indyref2' is probably now finished.

From time to time I check out online reviews of new local Restaur...

What Priority do you Share with the Government?

Posted by siteadmin on Wednesday 7th of June 2017

So tomorrow we head to the polls - again.

Regardless of who wins, it’s always been the case that any Government’s first priority is to protect its citizens. Perhaps now more than ever with the awful events we've seen of late where it's painful to say, but we'll undoubtedly see more. It was the only thing the different political parties could agree on, albeit as a principle as opposed to how.

And that protection priority is something we should all apply ourselves too by ensuring that we and our families are protected as much as possible in ...

Are we getting shy about retiring?

Posted by siteadmin on Wednesday 24th of May 2017

I read a great article the other day about the changing attitudes towards retirement. The days of getting a Gold Clock, warm handshake and being bid farewell when you’re 65 years-old are fading fast.

The clichés of retirees only enjoying gardening, bowling clubs and afternoon naps are also disappearing. Increasingly, people are going past their traditional retirement age and working well beyond.

One of the drivers of this change in behaviour is that a lot of us are working in less physically demanding labour jobs, thanks to the rise of tec...

Price is one dimensional while Value is multi-dimensional

Posted by siteadmin on Wednesday 10th of May 2017

'They know the price of everything and the value of nothing' so said Oscar Wilde in 1892 in his book Lady Windermere’s Fan.

Now I’m not going to have claimed to have read the book but his sentiments ring true today, especially in the financial planning world.

The Financial Conduct Authority which regulates the financial services industry is looking to determine the value for money customers are receiving across various aspects. It’s the industry’s hottest topic at the moment.

And I believe that it’s a very subjective topic which I was dis...

Adventure before Dementia

Posted by siteadmin on Wednesday 26th of April 2017

I was out with Caroline recently when we saw a young father trying his best to calm, control and cajole his energetic toddler children who were doing their best to drive him completely mad.

It made me think way back to when our two, Sophie and Ben, were young and we had the same frustrating issues.

You'd think that parenthood would get easier as your kids got older, but it doesn’t and the challenges simply change.

When I see people in such a situation I often say to them 'Enjoy it now as add on another twenty years, it doesn't get any eas...

What will the Inheritance Tax Changes Mean to Your Family?

Posted by siteadmin on Wednesday 12th of April 2017

At the start of April we saw a very important change to the Inheritance Tax rules.

It is called the Residential Nil Rate Band (RNRB) and if you believed some sections of the media, it can cost and/or save you hundreds of thousands of pounds (depending on which newspaper you read).

I read one article which claimed the changes were a £1 Million Government giveaway. To clarify, they most certainly aren’t.

The RNRB is a complex piece of legislation which at first glance gives a bigger tax allowance to people when they pass on their residentia...

My Wife, BMXs and Taking Action

Posted by siteadmin on Wednesday 29th of March 2017

Later this year my wife Caroline and I celebrate our 30th wedding anniversary.  Next month, she's also 50.

To mark the first of these momentous occasions, she asked me to set her some challenges.  How romantic I hear you cry!

The challenges include an abseil 230 ft down the ArcelorMittal Orbit, riding the Olympic BMX Track, Hydrospeeding the rapids and water skiing a slalom.

So far she's successfully completed the water ski slalom (bearing in mind that she's only skied once before well over ten years ago with the objective being to get ro...

Trust, Understanding and Mechanics

Posted by siteadmin on Wednesday 15th of March 2017

My last blog focused on what I share in common with Tom Cruise. No seriously it did.

I wrote about how a client told me that I reminded him of Tom Cruise. Well a character the American actor famously played called Jerry Maguire actually. Maguire was a sports agent who built great rapport and long term relationships with his clients.

I took that comparison as a very big compliment, and my client assures me that’s exactly how it was meant.

As promised in the last blog, I’ll expand on why I believe that good financial planning is all about t...

Why I’m just like Tom Cruise (or so some say)

Posted by siteadmin on Wednesday 1st of March 2017

I was told the other day that I reminded someone of Tom Cruise. Yes that Tom Cruise, the famous actor. Handsome, a multi-millionaire and one of the most recognisable people on Planet Earth. Rather apt in Oscar week I thought.

Mrs C assures me however that I'm nothing like him, so what was my client thinking of when he made the comparison?

There’s a film Cruise starred in some twenty years ago called Jerry Maguire. It’s about a sports agent who worked for a large global agency but had a crisis of conscience, got the sack and struck out on h...


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