Hindsight The Foresight Saga

There is something new in the financial planning world and it is explored to the point that the reader can exploit it in 'Hindsight - The Foresight Saga.' Little has been written about the property market and its relationship with the equity markets or the coincidental relationship that that investment relationship has on bankers. This book is aimed at the private investor but also the professional investment manager because it highlights the mechanism that provides for an almost continuous steady flow of positive returns on invested capital and regular savings. The author is a well experienced, highly qualified strategic financial planner and the language used in the book is straightforward and down to earth. The classic market? is identified as a circa fifteen year cycle of at one point inversely correlated market movements that works in direct contrast to a later phase in the classic market TM where property and equity movements are highly correlated in a downward slide. The first having an extremely positive effect on banking and the second, a devastating effect that contributed to bank collapses similar to those in 1979, 1992 and 2008.

Writer of a number of books about the financial sector as well as the notorious 'If Only Politicians Had Brains'. He was President of the Lincoln Chamber of Commerce, National Pension spokesman for the Federation of Small Business 19742005, and has worked for thirtyfive years at the highest levels within financial services while dealing with people and their problems on a daily basis. Coauthor of a major report in 1977 for the National Federation of the Self Employed regarding the injustice of the Class IV National Insurance tax on the selfemployed, which resulted in winning a case in the court in Strasbourg against the UK government along with a successful case against the Consumers' Association for inaccurate commentary. 'Preserving businesses per se and their assets while making proper provision for families and coowners is a very rewarding occupation when handled effectively. And it is part of the aim of this book to give people practical and informed opinion backed by reallife examples.' The author has also served on the executive of the Life Insurance Association, ultimately becoming its Vice President. In addition, he has worked as a tutor, mentor, and examiner in the Chartered Insurance Institute, Institute of Financial Planning and the Life Insurance Association. He also works with 'Young Enterprise' as an adviser and judge to youngsters running their own businesses. Terence has worked with the Department of Work and Pensions, the SBS and the Cabinet Office on a variety of matters, as a member of the Federation of Small Businesses Policy and Taxation Committee. Terence P.O'Halloran FCII, B.Sc. (Bus. Admin). Chartered Financial Planner: 'We must help each other whilst we are here.'