We have had an incredibly busy couple of months but thought we should put together another newsletter as there is a lot of negative feeling in the general press. We know times are tough for some of you but there are still an awful lot of positives and sometimes we just need to hang in there. Although admittedly at times drinking copious amounts of alcohol and curling into a ball seems the best course of action.
If you lose your job or your financial circumstances change...
The first thing that many people do is cancel their insurances (perhaps at a time when they need it most).
If you find yourself in this situation please talk to us and let us know. You may not realise it but insurance companies are often very supportive during difficult times and there are things that we can do to ease your financial pressures and allow you to maintain cover.
Are investment markets giving you a headache?
News on investment market returns can cause you to play mind games and there is no doubt that many people find themselves in a state of frustration and doubt with "shoulda, woulda, coulda" running through their minds.
We would be far better to understand and accept that at times throughout our investing lifetime we will be in a "loss situation" on paper. As bleak as that sounds it is a normal cycle of investment and after a slump the good times prevail.
A good investment portfolio should be diversified and designed to account for the peaks and troughs of changing market conditions.
If you have any concerns or need our help in any way, please do not hesitate to contact us.
On a personal note......
Amanda & Mike