One of the lawyers we work tells me that he has never been so busy working with clients who have fallen out with a business partner. When times are hard, people start to look at whether they are getting value for money not just from their suppliers but from their business partners too. Of course, many of these problems can be avoided if a proper consultation process is undertaken at the start and even better if a proper partnership agreement is drawn up.

To read the full version of this article click here or to receive a copy of our free partnership questionnaire, please email nigel@a4gsolutions.co.uk

With the stock market going up after significant falls earlier in the year, most of us who are not experts on it are undoubtedly going to be concerned whether the timing of any pension contributions or investments is right. Pound cost averaging is a way of reducing this risk by reducing the effect of stock market fluctuations. It works by investing the same amount of money every month; you buy more units when the prices are low and fewer when prices are high. This cushions you from dips in the stock market because you are buying your units at a variety of prices. For more advice on your investment needs, please email roger@a4gwealthmanagement.co.uk

One of our clients currently rents out a villa in Antigua. He is offering all A4G clients the discount rate of £2450 for 2 weeks in the villa, which sleeps up to 8 people. For more information visit http://www.luxuryvillasantigua.co.uk/

"Even if you're on the right track, you'll get run over if you just sit there."

Will Rogers