“The decline in remote working hits Britain’s housing market”

Jan 21, 2025 | In the news

An independent (financial adviser’s) view

I watched ‘Panorama’ this week, all about the return to the office, should we/shouldn’t we? Do homeworkers really doss around all day in Jim-jams and slippers watching daytime TV with half an eye on the computer, or are they actually more productive without hours of tubes and commuting. Old schoolers like Stuart Rose, ex-boss of M&S, was in the ‘never did me any harm, we’ve all got problems, just get on with it’ brigade. Others, like those campaigning to give stay-at home-mums a chance to get back in the workforce, say that in most cases there’s no difference in productivity. The effect on property prices is an unexpected consequence, as many companies insist on a return to the office, at least on a TWAT (Tuesday Wednesday and Thursday) basis, and commutes from country cottages become impractical. Worth remembering, too, that many of the lowest-paid do not have the option. You can’t wait on tables, wipe bottoms or pack Amazon parcels from home. But hybrid is and should continue to be a thing and will be and is good for many if not all. But I would say that wouldn’t I, as a twenty-year plus home-baser.

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“Cash ISA allowance could be cut this month”

“Cash ISA allowance could be cut this month”

Our mantra has long been ’straightforward advice that you can understand’. That can mean trying to simplify the many complex products and options with which the world of finance tries to befuddle its target audience.

“Will the Bank of England Cut UK Interest Rates Again in 2025?”

“Will the Bank of England Cut UK Interest Rates Again in 2025?”

It’s easy to forget that five years ago the Bank of England Base Rate was at an all-time low of 0.1%, and only rose above 1% with the arrival of Liz Truss later in 2022. Something of which we often have to remind those who, when looking at how their investments have fared over the same period after yet another Trump Tweet has pushed markets in one direction or another, tell us ‘we could have been getting 4% a year if we’d left it all in the bank’.