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In the end the Budget was a bit of a non-event, supplying immunity mostly to the better off. It’s not a bright idea to antagonise NHS doctors busy dealing with a global pandemic so higher earners (up to £200,000 a year) retain their £40,000 annual allowance.
Consumers, thanks to big data, are far better informed about where to buy financial services. From car insurance to savings and pension products.
Likewise, access to rich data helps insurers position themselves more knowledgeably. But the demographic challenge is enormous – as is the repair challenge.
Can tweets help you trade smarter? Ting Li, professor of Digital Business, from RSM Rotterdam School of Management, Erasmus University, reckons social media can boost your trading success.
What's the evidence?
Norway and Sweden are regularly lauded as economic and social super-models. Free market capitalism and a generously backed welfare state? Tick. A commitment to private ownership and a robust public sector? Tick. Strong growth balanced by high levels of redistribution? Tick again.
The fiery relationship between Daniel Kahneman and Amos Tversky sparked the development of trading psychology that has influenced economic decision making since the 1970s.
Almost everything Thatcham touches – from a Fiat Panda to a high-end Range Rover – emerges almost unrecognisable. The crash test information extraction process Thatcham undertakes helps insurers understand how easily or difficult a car can be repaired. Which ultimately reflects on your premium.
Losing, like winning, is part of life. Unfortunately some traders (and people) handle loss rather more badly than others. Their fear of it preoccupies them more than is realistic or healthy. So their neural pathways need a basic plan – a strategy that factors in losses as predictable and ordinary.
Once the filthy, low-down enfant terrible of established finance, crypto currencies are now on nodding terms with some big City names. True, they may not yet have clearance to use the front door. But some wouldn’t feel the need. It’s a little, uh-huh, like that.
How do you regulate the most hyped, chaotic asset class ever seen? An asset class described as an “infectious disease” (Barclays), a funding Trojan horse for terrorists (Meir Amit Intelligence and Terrorism Information Centre) as well as a mirage (billionaire investor Warren Buffett)?
The perfect investor would make rational, smart decisions at the right time. They would act on logic based on carefully researched analysis. They would also have sufficient tools – money namely – to make it work, not to mention a good buffer fund.
Many global stocks and shares lifted +20% or more in 2017. Corporate earnings surged. A stellar year. But 2018 is a blank sheet of paper for traders. Where will volatility – which was unusually low in 2017 – and opportunity come from? Which economies look weaker around the knees?
Give fuel prices the slip by running your car on cooking oil - but is it worth all the hassle? Grease is the word, says Adrian Holliday