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The truth about why we need this COVID-19 treatment right now!

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B y Grant Ellis, Director NovaBiotics Ltd On Monday we  learnt from Sir Patrick Vallance, th e  government’s Chief Scientific Adviser that Coronavirus will probably never disappear and a vaccine won't stop it completely. He also said that ministers and experts should stop 'over-promising' and be realistic about the prospects of a vaccine and the likely timeline of one, unlikely before spring next year. He the n  echoed his earlier warnings and those of his colleague Professor Chris Whitty that the C OVID -19 fight will be a long one,  and it will be with us for good. So, from this should we assume there is no ‘silver bullet’ for COVID -19 infections? What if there were a single treatment that: c ould stop the infection  in its tracks, was anti-inflammatory;  c ontrolling the immune system’s response to the infection and stopping it from overreacting dangerously , in cases where patients developed secondary bacterial infections in the lungs could supercharge antibiotics; boo

The Bottom Line: Why Shrewd Customers Use An Adviser | Independent Financial Adviser

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By Grant Ellis Let’s face it – Financial Advisers have a bit of an image problem. In the public’s mind they probably rank alongside bankers, second-hand car dealers and estate agents in the trustworthiness stakes, and every investment fraud and mis-selling scandal that’s gleefully reported by the press does nothing to improve this. Then there’s the thorny issue of fees, and the anecdotal view that Adviser fees are unjustifiably high, and that they’re all simply out to line their own pockets at the customer’s expense. So, is this image and reputation deserved? Should Financial Advisers be viewed with suspicion or is this all a myth? Let’s take a look at a few facts. In 2017 the ILC-UK published its report The Value of Financial Advice, which quantified, for the first time, the real value of taking financial advice. The results strongly demonstrate the positive value of financial advice for consumers – both amongst those who are wealthy and those less well-off too. The report concluded t

The Ugly Truth About Investment Loyalty | Independent Financial Adviser

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The Ugly Truth About Investment Loyalty | Independent Financial Adviser   By Grant Ellis I’ve been a Manchester City fan since 1970. I chose  to support  them as all my friends were either Leeds United or Manchester United fans, and Manchester City were  an   attractive footballing alternative who were having a bit of success at the time, winning the league and the FA Cup in consecutive years. However, just as I formed my allegiance to them their success dried up and apart from a couple of cup runs they remained  relatively unsuccessful  until 2011. You know what it’s like though - once you’ve made your choice of team it’s incumbent upon you to stick with them through thick and thin. After all that’s what supporting a football team is all about; you make your choice, and for better or worse you remain loyal to them whatever happens. Just imagine though if I’d been prepared to switch my support between different teams over the years based on their performance, rather than  simply  stick

The Big ‘Lies’ About Our Economic Prospects

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The Big ‘Lies’ About Our Economic  Prospects By Grant Ellis In the spring of 2007 I hosted a conference for a group of insurance professionals. One of the most popular speakers was my old friend the economist Roger Martin-Fagg. He was his usual entertaining self, but took everyone by surprise by suggesting that the world economy was on the brink of a meltdown the like of which we had never seen before, and it was going to happen soon – probably within 12 months. Yes, he predicted the financial crash of 2008 a year before it actually happened. Now in Spring 2007 the world economy was doing very nicely thank you. Following three consecutive years of good growth, averaging 3.8% it was expected to fall only slightly in 2007 to 3.6%. Meanwhile the UK was doing pretty well too. House prices had risen from an average of £150,633 in January 2005 to £184,330 in May 2007 – a rise of 22.4%, whilst wages grew by an average of over 5% per annum between 2004 and 2007. Inflation on the other hand was

7 Great Reasons Why You Should Plan For Death!

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By Grant Ellis I n 1789 Benjamin Franklin said that there are only two certainties in life – death and taxes. We all seem happy to talk about taxes, but less keen on discussing, or planning for our ultimate demise. It’s as if by talking about it we are somehow tempting fate. But it can bring tremendous peace of mind not only to the planner, but also to their loved ones to know that a well thought out  programme  is in place for their eventual departure. Here are  7 good reasons why you shouldn’t put off planning for it - old or young. D ying without leaving a will  is  not   a good idea. If you  haven’t made  a will,  then  when you die, everything you own will be shared out according to the law instead of  in accordance with  your wishes. This could mean  your estate  pass es  to someone you hadn't intended – or that someone you want to pass things on to ends up with nothing.   For example, if  you’re not married and not in a civil partnership, your

Boost Your COVID -19 Retirement Planning With These Tips

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By Grant Ellis Bear in mind that retirement savings are for the long run. The Coronavirus (COVID-19) is having a widespread impact across all elements of financial life, including retirement plans. The current global stock exchange turbulence, as a result of COVID-19, will undoubtedly be concerning for people whose retirement savings are spent partly or entirely during these volatile marketplace conditions. However, making decisions based on what is happening in the short term may be a risky thing to do. It may be tempting,  for  instance, to consider transferring all your investments into  cash  or other lower-risk investments - but in doing so, you  not only  lock in the loss as a result of recent falls, but you  may also miss out   as  the value goes back up, so you'd lose out in the long term also. Here are our tips on how to navigate these difficult times. Allow time for  Markets to Recover It is really important to remember that retirement savings are for th