Lexington Times (March 2023)

Silicon Valley Bank – What happened?

You may have noticed in the news the failure of Silicon Valley Bank, in America. We wanted to share our thoughts explaining what happened recently and what we think the implications and fallout are going to be in the coming weeks.

Pay any gaps in your NIC before the extension ends

Due to an HMRC extension, you currently have an opportunity to pay any gaps in your National Insurance Contribution (NIC) record as far back as 2006. This opportunity will END on 5 April 2023, and after that, you will only be able to go back six years.

The Stock Markets

(Updated 28 February)

The key benchmark you should care about is achieving all of your financial and life goals and not running out of money.

The Unimportant Numbers – 1 Month

Monthly figures are a distraction from your long-term goals, we’ll help you avoid the noise.

The Important Numbers – 30 Years

Investing in the Great Companies of the World has produced life-changing returns for the disciplined and patient investor.

Inflation – The Real Enemy (Updated February 2023)

The number one enemy of the long-term investor is the financial dragon called inflation (the silent but steady increase of prices over time).

The only sane definition of money is purchasing power, and over the last 30 years, inflation in the UK has almost halved the value of your money.

But an investment in the UK share market has consistently provided protection from this enemy.


The media is not a friend of the disciplined and patient investor. Whether it’s on TV, Print or Online, the media prefers to focus on short-term returns, market predictions, and negative news. Which is not suitable for a long-term investor.

Below are the stories, podcasts, and images which we wanted to share with you this month, which are uplifting, interesting and informative.

These links below will take you to articles on other websites.

Positive News

Here is this month’s selection of positive news stories not related to investing.

Further Reading

Here are some articles you may find interesting this month.

Listen & Watch

  • The Art of Making Decisions
    Speech extract from “Do You Do It or Does It Do You?: How to Let the Universe Meditate You” by Alan Watts. Alan was a well-known British philosopher, writer and speaker, best known for his interpretation of Eastern philosophy for Western audiences.

A Picture is worth 1000 Words

  • A Visual Breakdown of Global Music Consumption
    With the emergence of new technology, various platforms for listening to and engaging with music have become available. Here’s a glimpse into how people around the world consumed music in 2022.