A Brexiteer considers the future


First of all, I suppose I should apologise to those of you who wanted IN last week; as I was for OUT. That was not the considered view of the Company, I should add – many of my colleagues had opinions which differed from mine. I’d like to point out that [ ] The post A Brexiteer considers the future appeared first on Creative Funding Solutions.
http://businessfundingsolutions.co.uk/a-brexiteer-considers-the-future/

The history of debt


The oldest handwritten document ever found in Britain was unearthed recently. You can check out the BBC story here: http://www.bbc.co.uk/news/uk-england-london-36415563. Suffice to say that it concerns, surprisingly, a finance agreement between one merchant’s associate and a third party, and offers some friendly advice concerning the matter in old Londinium Town, 57AD. Which got me to [ ] The post The history of debt appeared first on Creative Funding Solutions.
http://businessfundingsolutions.co.uk/the-history-of-debt/

Is this a good time to borrow?


Here at Creative I have to say that we are used to analysing the state of business. We do not give financial advice, as we don t have a fiduciary remit to do so, but we do have a regulatory obligation to do as much as we can to ensure that we act in the best interests of our clients. That means we need to know how they are doing, how the sector is doing, and what the state of the economy is, and how these things are likely to impact any decision to fund them. When you look at the value of UK stocks, the economy appears to be doing rather well. At 6204.62 at the time of writing, the FTSE100 is well above the level of its last serious collapse in late 2011, when it reached sub-5000 lows. From that point, with a few 5 to 800 point hiccups along the way, the market rose majestically to close around the 7100 mark in April last year the highest ever recorded. That s higher than the dot.com bubble in 2000, and higher than it was before the financial collapse of 2008. But Labour went into th
http://businessfundingsolutions.co.uk/is-this-a-good-time-to-borrow/

Tony Smith Considers Investing Now


Last month I blogged about the forthcoming rate rise, and suggested that customers should look to make hay while the sun is shining. I did so on the basis that these historically low interest rates cannot be maintained forever, and we should expect to see a return to something approaching the norm (say 3-4%) over the coming decade. Some commentators are now suggesting that it will be 2020 before the next rate rise. The BoE has downgraded growth forecasts and does not expect inflation to reach its 2% target for the next two years at least. Mark Carney also said in his speech there were “powerful forces” preventing any rate rise in the near future, although he wrote in his summary that rates were more likely than not to rise by the end of next year. On the other hand, he has also said that they may very well head into negative territory. The BoE may well be outside the Government, but they are not beyond politicking themselves. I’m not sure if the Governor is right about inflation
http://businessfundingsolutions.co.uk/tony-smith-considers-investing-now/

Mark J Carney reveals a new savings initiative to the UK ‘The Emperors New Piggy Bank Scheme’.


Congratulations to Sharron Preston, our winner of the January Caption Competition
http://businessfundingsolutions.co.uk/mark-j-carney-reveals-a-new-savings-initiative-to-the-uk-the-emperors-new-piggy-bank-scheme/

Caption Competition NOW CLOSED


Creative ™ are intending to run a competition every month during 2016. We are kicking off this new idea with a Caption Competition and have chosen a very topical photo, ahead of today’s  Bank of England announcement (12/01/16) relating to the base interest rate. See blog post here http://businessfundingsolutions.co.uk/tony-smith-considers-the-forthcoming-rate-rise/ DAVOS/SWITZERLAND, 26JAN13 Mark J. Carney, Governor of the Bank of Canada is seen during the Session The Global Economic Outlook at the Annual Meeting 2013 of the World Economic Forum in Davos, Switzerland, January 26, 2013. Copyright by World Economic Forum swiss-image.ch/Photo Moritz Hager Simply think of an appropriate caption to this photo of Bank of England Governor Mark Carney and enter it into the Blog comments, leaving your contact details as requested, Alternatively you can photoshop your comments on this photo and post it into the comments. Please note in order to successfully enter this competition you will
http://businessfundingsolutions.co.uk/caption-competition/

Caption Competition


Creative ™ are intending to run a competition every month during 2016. We are kicking off this new idea with a Caption Competition and have chosen a very topical photo, ahead of today’s  Bank of England announcement (12/01/16) relating to the base interest rate. See blog post here http://businessfundingsolutions.co.uk/tony-smith-considers-the-forthcoming-rate-rise/ DAVOS/SWITZERLAND, 26JAN13 Mark J. Carney, Governor of the Bank of Canada is seen during the Session The Global Economic Outlook at the Annual Meeting 2013 of the World Economic Forum in Davos, Switzerland, January 26, 2013. Copyright by World Economic Forum swiss-image.ch/Photo Moritz Hager Simply think of an appropriate caption to this photo of Bank of England Governor Mark Carney and enter it into the Blog comments, leaving your contact details as requested, Alternatively you can photoshop your comments on this photo and post it into the comments. Please note in order to successfully enter this competition you will
http://businessfundingsolutions.co.uk/caption-competition/

Tony Smith Considers the Forthcoming Rate Rise


As I’ve said here and in other places before, it is my belief that rises in in the Bank Rate are inevitable (standing currently at 0.5%, how could they not be?) and that a return to the historic average (or at least 3-4%) might easily be anticipated by early next decade. The Feds raised their rates last thing in 2015 and the Bank of England are due to make an announcement, at the time of writing, next Tuesday. So the question I am asking myself this month is, ‘Are the forthcoming hikes in interest rates imminent for our customers?’ The primary goal of the Bank of England, set by the Treasury, is to maintain inflation at a level of around 2%. If inflation is below 2%, you might expect interest rates to be cut in order to fend off deflationary pressures; if on the other hand it is above 2%, you might expect an interest rate rise to fend off inflationary pressure. Basically the idea is that by making money more or less expensive you can turn money supply on and off like a tap in or
http://businessfundingsolutions.co.uk/tony-smith-considers-the-forthcoming-rate-rise/