Liquidity, Risk and Diversification

Good morning Mumas,

Welcome to this post.

This will be the first of a three-part series that hopes to tell you the basics of investing.

In this post, you are going to be introduced to the basic characteristics of investing and the names of various investments and their basic features.

First, we will look at Liquidity, risk and diversification 

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Getting ready to make a change?


The Theory of Reasoned Action

Rita Mae Brown’s fictional character, Jane Fulton, once said “Insanity is doing the same thing over and over again, but expecting different results.”

Changing our behaviour can be difficult, but it’s the strongest predictor of getting a different result. I know I have the habit of buying a drink from Costa or Nero whenever I go on a walk and talk with my friends. This is counterproductive because I am supposed to be trying to lose weight and save money…..

I don’t think paying over a fiver and sipping on a 600 calorie drink is going to help me reach either of those goals.

So, to reach my goals I’m gonna have to change something… My behaviour!

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Choice Architecture

There’s a well-known theory in behavioural economics called ‘Nudge’ theory and it looks at ‘Choice Architecture’. In a nutshell, it is a theory that suggests we can lead people to the ‘right’ decision, by changing small actions that can substantially impact the way people behave.

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Thinking about Higher Education?

There are many reasons why someone may want to progress onto higher education. Some want to fulfil a lifelong dream, others want to increase their income or study a subject in depth.

As a child, I always wanted to be a child psychologist. I always imagined myself with a clinic on Notting Hill. As an adult, I felt compelled to complete a psychology degree.

It’s funny to imagine my 9-year-old self with such big dreams. Fast forward to me at 16 when I was preparing to start my A levels and take the next step of my journey to become a psychologist when my grandparents died. At this point, I put my psychologist dream on hold. I ended up dropping out of school and beginning an NVQ in childcare.

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My experience with suicidal ideation

Good morning guys,

I hope you are all keeping well , I thought I would share with you my experience yesterday. You may be aware that I work in the mental health sector and yesterday was a day that I hadn’t experienced before. One of my students was close to suicide. It was very unnerving to find that someone’s life was hanging in the balance and it was my duty to help them during this distressing time.

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St Valentine’s Day 2021

On Sunday the 14th of February it’s the annual festival to celebrate romantic love or, St Valentine’s day as we more commonly call it.  It’s a day that is celebrated by sending messages of love and affection to partners, family and friends.

This Valentine’s day may be a bit different to those we have experienced in the past as we are not allowed to celebrate in the conventional way such as, going out for a meal with our partners or, celebrating our friendships with a night out with single pals. 

This current situation got me thinking about the first ever valentines and how far removed our conventional celebrations are from the initial story. 

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Financial wellbeing

Let’s talk about wellbeing and money.

It’s a common belief that the more money you have the happier you’ll be. However, it’s also said that money can’t buy you happiness.

I think both are true to a point, money can’t buy you happiness but it can be used as a tool to maximise happiness and wellbeing.

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Mental health week 2021

Good morning All,

I hope you are well. As you may be aware, this week is Mental Health Awareness Week.

I have been thinking about my kid’s mental health and the amount of time they spend on screens, in their rooms and away from their friends.They have all the horrid bits of schools (online lessons) and none of the fun ( e.g playing sports, connecting with others and exploring the world).

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