“The habit of being happy enables one to be freed, or largely freed, from the domination of outward conditions.” – Robert Louis Stevenson An interesting study was published recently, which found that spending money to buy time makes us happier. The study was carried out amongst adults in the...

If you have ever ordered a new car you will know how difficult it can be to reach the point where you find out how much you actually need to pay.  An endless list of choices: upholstery, in-car entertainment, sat nav, not to mention paint…....

“Anything that just costs money is cheap.” ― John Steinbeck A few weeks ago, Dimensional Fund Advisors carried out a global survey of the clients of the financial planning firms with which it works.  We asked our clients to take part in the (anonymous) survey and we are very grateful...