Hayward Davis Financial Management

24/01/2023

23/01/2042 19 years yesterday until the state says I can retire (currently) If I want to make that decision earlier, I need to keep building a fund to enable that (or a lottery win!)

Don’t delay these decisions, time really is the key.

Always happy to discuss things and provide a guide. Whether it’s with me or with the trusted adviser you already utilise, discuss, plan and prepare

09/01/2023

As the New Year kicks into action and the festive period comes to an end, thought I’d share this with you. Reposted on another platform by one of my friends, courtesy of author Paul McGee, lots to live by here I think.

1. Remember the only real apology is changed behaviour. Words are cheap. Actions are priceless.

2. The best gift you can give someone is your undivided attention. Aim to do it at least once a day with a partner, child, friend or colleague. Listen to understand rather than waiting for your turn to talk.

3. When you’re communicating with others your aim is to be clear not clever. The smart thing to do is to get to your point.

4. People who never take a break end up breaking. Remember, to be at your best you need to rest.

5. Sometimes it’s best to walk away from conflict. When you wrestle a pig in mud you both get dirty. But the pig enjoys it.

6. Avoid making a mountain of assumptions based on a molehill of evidence. Seek the story, not the snapshot.

7. Consistency compounds. Small steps are no small thing. Little things matter. Never forget that.

8. The opposite of love is not hate - it’s indifference. Relationships don’t magically happen. They take work. And time.

9. Every day we wake up with a choice. We can focus on what to grumble about or focus on what to be grateful for. The choice you make will influence how your day unfolds. Choose wisely.

10. If you don’t make time for wellness you may be forced to make time for illness. Let me be clear… I’m aware some of us are unfortunate to suffer serious health challenges that are out of our control. Not all health issues are related to lifestyle, but some are.

11. Beware of making a long term decision based on a short term emotion. Press pause. Give yourself time to process stuff and talk things through with others.

12. Remember a comfort zone is a great place to be but nothing grows there. It’s easy to become set in our ways, so challenge yourself to do something different. That’s where the growth is. And you never know you might end up enjoying it.

13. What we say at funerals we should say at birthday parties.

Here’s hoping you and your closest have a great 2023, happy to discuss how I can help make that happen.

24/02/2022

This is not the platform for political conversations, but as you may be aware, the National Cyber Security Centre (NCSC) has advised that the cyber threat currently is heightened given the developing situation In Ukraine.
We are all our best line of defence, please be extra careful, never give out passwords and be aware of emails, calls or requests for personal information.
Think first, double check, keep safe 🇺🇦

07/10/2021

If the new owners need any help planning their investments for the future from a local business, I’d be happy to assist!

20/09/2021

Check out the interest rate you are receiving on your bank accounts, savings or investments, subtract 3.2% from it - is your money working hard for you or losing value in real terms? Where are your pension funds invested? What is your annual growth rate? Will it be sufficient to support your future plans as costs continue to rise?

Whether it's Brexit, the Pandemic, Boris, the Weather or a combination of many factors, things are noticeably more expensive.

The short article below shows latest figures for consumer price inflation (CPI) in the UK has jumped to 3.2% in August.

There are two main reasons why we focus on inflation. The first is that inflation erodes the value of savings over time. The second is that, if its rise is sustained, a period of higher inflation is likely to cause governments and central banks to change their policies in response. These policies (such as low interest rates) have supported asset prices since the pandemic took hold last year.

Whether you've never made a plan, or want to review your existing plan, I'd be happy to help

WeekWatch - 20_09_2021

07/09/2021

Investing for your future makes sense.

I’ve finally got around to investing in myself and got myself back to a gym and am taking some training advice from a qualified professional.
It actually hurts to type, but I feel good having finally made the time and done it.
If you’ve been meaning to deal with that financial stuff one day, why not now?

02/07/2021

The last year or so has been a real test of patience on so many levels.

As the weekend approaches, hopes of sporting glory still burn (55 years of hurt! ⚽️) I thought this graphic was a great example of patience.

Good things come to this who wait, but you have to be in to win!

14/06/2021

The football over the weekend was a sharp reminder that quick action saves lives.
A defibrillator applied within 3 minutes increases chances of survival from 7% to 70%.
This course on Sudden Cardiac Arrest is FREE, it takes 20 minutes online, whether it’s at football, work or in your family and day to day life it could be the difference.
Login, learn, be prepared.

https://thebootroom.thefa.com/learning/qualifications/medical-courses

07/06/2021

‘A year from now you’ll wish you started today’

Can be applied to any area of life, what do you keep putting off and delaying?

01/06/2021

Having a semblance of our old life back again is a shock to the bank balance isn't it?!?

Our interaction with money, the decisions we take, choices we make and the way we make purchases or plan for the future, are all driven by our individual Wealth Personality.
Couples or families often have very different attitudes to money, which can be a major plus, or potentially a major negative.

This simple 5 minute psychometric test will generate a report that will help you understand your specific traits and provide a fantastic starting point for your plan, discussions amongst yourselves or with an adviser.
Using the link below or scanning the QR code, will generate an email report for you and a summary for me which I'd be happy to discuss with you, there is no cost, worth grabbing a coffee and sitting in the sun for 5 minutes to complete!
https://wealthpersonality.co.uk/adviser/chris-davis
Feel free to share with friends and family if you think they'd benefit too.

04/05/2021

Team Hayward Davis completed their missions throughout March & April, a superb effort by everyone, thank you so much for your support.
With your support we surpassed our team fundraising target 👏
Across the partnership 940 participants, walked, ran and cycled their own mission to support local kids charities. The total is still rising but currently between us we’ve raised £185,000, which St James’s Place will match to give £370,000+ to local charities, fantastic work all👏

28/04/2021

I'm pretty sure we've all had a few ideas on how life could/should change moving forwards over the last 12 months or so.
One of our dreams has always been to build our own home.
Over the last 20 years this dream has become much simpler to turn in to reality, as financing options improve.
Maybe one day soon we'll take the plunge.........

What's your lockdown dream?

Simple financial planning may help make those dreams come true.

Getting a mortgage to build your own home