Cop26 – Now It’s Up to Us

The 26th Conference Of the Parties (COP26), better described perhaps as the Climate Change Conference, has just ended in Glasgow, Scotland. Will it have saved the planet? Or is this question too dramatic to convince that what we believed was a climate crisis is now a climate emergency? Former US President Trump declared that Climate […]

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Gold or Water – Which is The Better Investment?

The legendary King Midas certainly favoured gold until he realised that his granted wish that everything he touched turned to gold did not allow for any exceptions. A bar of gold may be worth thousands of dollars but if you were carrying it while lost in the scorching heat of a desert you would gladly […]

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Times Are A’Changing – So Must Ww – or Else!

Following on from my last article (Code Red – How savers can save the planet) a most unusual announcement has come out from a major fund house advising the closure of a long-time successful fund and its merger into a newer fund. The fund that is closing is an energy fund that has historically and […]

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‘Code Red’ – How Savers Can Save The Planet

Earlier this month a sobering document, years in the making and approved by 195 nations, was published by the International Panel on Climate Change. The report shines a spotlight on governments dithering in the face of mounting evidence that climate change is a real threat. Bali and Indonesia in general have a long history of […]

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Where There’s A Will There’s A Way

This familiar phrase has been around a long time. Since 1640 in fact when an author by the name of George Herbert coined a phrase ‘To him that will, ways are not wanting.’ The modern version, “Where there is a will, there is a way.” appeared in “New Monthly Magazine” in 1822. The phrase can be applied to any aspect of our […]

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‘My Home Is My Pension’

Where the vast majority of people living in western countries are concerned, retirement means an end to getting up early in the morning and going to work and the beginning of a new way of life with free time to enjoy life that is no longer funded by the weekly or monthly paycheck but by […]

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Who’s Afraid of The ‘Big I’?

Who is afraid? – Starting close to home: a group of UK retirees in Bali using their UK state pensions to fund their twilight years! Who else? –  Any retiree anywhere on a fixed pension or annuity –  People with small incomes –  Owners of government or corporate bonds –  People holding large cash deposits […]

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Managing Your Money in A Pandemic

For expats dealing with tax authorities, other government departments, banks and other financial institutions in their home countries, life has become more and more complex in recent years. It is a particular challenge for the older generation who did not grow up in a digital age. If expats lived in their home country they might […]

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Planning a Financial Recovery From Covid-19

The deserted streets, empty hotels and closed businesses have become a familiar sight in Bali and other places around the world that rely heavily on tourism for survival. Initially there was disbelief, then for a short time, hope that the pandemic would be short-lived. But soon reality set in and many despaired that this situation […]

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When Investing Becomes a Casino

2020 was a tragic year for those who fell victim to Covid-19. Hundreds of thousands globally lost their lives while millions more lost their livelihoods. Few parts of the world escaped its grip; Bali has been among the worst affected and the misery is not yet over. Yet some have benefitted. Industries and businesses that […]

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