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Retirement? What Retirement? “The times they are a changin” never before has the title of this Bob Dylan classic been more relevant. Baby Boomers, those born between 1945 and 1964 have witnessed some truly amazing shifts in the world. Who knows what is in store for generation Y? The warp […]

The times they are a changin



Hi Iona A reader asked me if it was OK for her employer to require its staff that smoked to smoke only in a designated area at the back of the building. Normally that’s not a problem, but is it fair in inclement weather where there’s no protection from the […]

Time to give up smoking?



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Surviving a Feast or Famine income Being an independent training consultant can be an extremely rewarding profession. You can work to your own clock, you get to meet interesting people and if all goes well, the rewards for delivering a professional service can be substantial. A professional training provider has […]

Surviving a feast or famine income



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Avoid these common Financial Planning Mistakes. It is reasonable to assume that you desire financial success for yourself and your family and you may even have your sights set on becoming fabulously wealthy. What ever your goal, unless you win the lotto, you will not move past average unless you […]

Avoid these common financial mistakes.



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Do you need a financial advisor? The profession of financial planning is relatively new, the average pensioner will tell you that in their youth financial planning was not even a recognisable term. During and after the Second World War the depression made it virtually impossible for most people to make […]

Do you really need a financial planner?