November was an exciting month for the world’s stock markets. Source: Investing.com November was an exhilarating month on the world’s stock markets, as the graph above illustrates. It cannot be said that many experts – bar room or otherwise – expected it look like this. Cast your mind back to Halloween and, apart from trick or treat, there was plenty to be concerned about. For a start the US presidential election was imminent. While it was widely forecast that Joe Biden would

Since December 2010, instead of sending our clients traditional Christmas cards, Bluecoat Wealth Management has sent electronic greetings cards and added the money saved to our Kiva account. I first heard about Kiva, at a philanthropy talk given by the Charities Aid Foundation who described Kiva as a new kind of Charitable Giving* or a new way for Philanthropists to use their money. Kiva enables individuals and companies to lend to people and small businesses in the Third Wor