Newsletter 4
Welcome to the Autumn 2008 edition of the Independent James Quarterly Newsletter!
I am almost tempted just to send you a link to the Financial Times website such is the speed of change in the financial markets at present. Extraordinary. Unprecedented. Astonishing. Adjectives abound in relation to current conditions.
In this month's newsletter we will take a look at the current situation within the financial markets, as well as the government's recent housing proposals and how this affects you. Read on for a round up of some of the best of this Quarter's financial articles...
Main Story - Market Update
"I can guarantee to you that I can count." (Nick Leeson, Barings Bank - formerly)
In the Spring newsletter we said that the situation in the financial markets would not improve until banks came clean about their losses. Chickens are certainly now coming home to roost.
In this section, we hear from the views of the RBS Chief Economist on recent events in the financial sector and from the Association of Mortgage Intermediaries on the Government's housing proposals. We also look at how these events are affecting the mortgage market. Read More
Case Study # 1 - Medical Insurance - Get Private
We have recently been working with the independent medical healthcare specialist, Get Private Ltd. Through their industry knowledge and expertise, they have been able to negotiate significantly lower premiums for many clients. Here we look at how this can work for you in two different Case Studies.
Get Private is offering ij clients a free assessment of their health cover and the rates available, even if your renewal has recently passed or is not due for some time. If this is a service that interests you, please do call or email me. Read More
Case Study # 2 - Protecting your income - Accident, Sickness & Redundancy Vs Income Protection
Protecting your income in the event of illness can be even more crucial during periods where finances are stretched. Having appropriate protection to replace your income in the event of illness or redundancy gives you peace of mind that your outgoings are covered if you are unable to work for a prolonged period.
Whilst we realise this may not be at the top of your list of priorities at the moment it is no less important today than it was last year. This case study looks at the two main types of policy you can use to protect your income. Read More
House Prices
What is the true level of house prices? With so many different figures and indices telling different stories, which one should we believe?
Academetrics are the producers of the respected FT House Price Index which includes cash purchases and is the only index to use all of the Land Registry data. As such, it aims to provide a factual record of domestic property prices in England and Wales and a true guide to house price inflation. Read more
A couple of quick messages from James
It's been a busy quarter with my training for the Great North Run getting in to full swing and completing the final two examinations to achieve the Advanced Certificate in Mortgage Advice and Practice.
Read more
The content of these articles does not contain sufficient information on which to base any personal financial decisions and must not be relied upon as such