Up next in 10
Christina Brady - Blacktower Financial Management MAR 31st 2020
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Jan 13, 2025
Christina is currently making a couple of appearances a week on-air here, as she and the rest of the Blacktower team continue to be fully operational from home. Earlier with Moody there was more news and advice from the markets, as well as a rare bit of good news for those in receipt of a UK State Pension. Catch her live every Tuesday morning at 10am and Fridays with Kal and Rosy after 5pm CET, and get in touch with any enquiries via blacktowerfm.com
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this is Bay radio we specialize in
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protecting preserving and growing your
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wealth black tower financial management
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the team you want by your side is it
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black tower FM comm and as promised and
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now weekly on the show with the way
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things are at the moment is Christina
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Brady from black tail at financial
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management self isolating how is that
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working for you so far yes as we've said
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all along yoke black tower contact able
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via phone and email with all the the
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folks usually involved including
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yourself of course so what a part of
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clients been like over the last couple
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of weeks say how many inquiries and
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people trying to get in touch no people
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have been getting in touch but people
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are very very calm actually obviously
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the markets have gone down over thirty
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thirty five percent people realized that
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they just have to stay calm and ride
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through this downturn I think most
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people learnt a lesson in 2007 2008 and
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understood that the worst thing you can
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do is panic best thing to do is sit
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tight and write it out obviously you
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don't know how long it's going to take
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but hopefully it won't take that long
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we've got the footsie which is slightly
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up two percent this morning the reason
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for that is because Oh Chinese factories
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see coronavirus rebound strong
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industrial data from China and that's
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really really convenient yeah because
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they're manufacturing all the most
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people need their manufacturing or the
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gloves people need their manufacturing
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all the ventilators people need so
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they've seen a you know a strong
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recovery which obviously means Chuck a
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sure markets have recovered slightly
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we've clearly impacts the UK so the UK's
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up until the US opens and then it
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depends what data comes out the US yeah
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seeing I mean just shares in German
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ventilator manufacturers soaring and
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they are there people are doing these as
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we said earlier it's a bit like people
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are drawing similarities with World War
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two how even I'm sort of coming together
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but some of the factories that make
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certain things they're switching to
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making medical equipments respirators
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and the like I don't
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it's world war two in any way but there
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are certain companies that can change
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what they're manufacturing to help out
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in this and that's very very good
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obviously certain areas are resilient to
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this and making money some companies if
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you have investments in health care
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obviously FEMA Goods if you look
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supermarkets in the UK about their best
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smart everwood profits up by twenty
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percent due to everyone panic boys
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wondering about that yeah so
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supermarkets are really you know twenty
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percent in the last four weeks their
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data's up just when they were all
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complaining they didn't get enough
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people in they're getting loads of
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people in so you've got then you've got
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obviously utilities they can weather the
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storm because obviously people still
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need electricity should only guess which
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if you can find a home but if you've got
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shares in some companies then you really
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should be slightly worried you know if
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you've got travel later retail airlines
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or oil if you look at oil oil prices
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collapse to the lowest level in 18 years
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yeah crude fell below 23 dollars a
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barrel at one point and it you know
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because demand is plummeting if you
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haven't got the airlines flying so much
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if you've got easyJet which is just
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grounded all its flights from Gatwick so
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you know it all the airlines are cutting
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back you've gonna have an okay if
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easyJet is grounded its whole fleet it
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hasn't it but actually I think if
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Gatwick has closed as well to fly its so
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the FBI sorry has suspended all its
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flights from Gatwick so airports are
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gradually winding down closing down
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you've got obviously a rescue package
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from the UK government I think 75
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millions been committed to get people
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back to the UK it's right yes I
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mentioned that earlier there is a glut
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of airline fuel at the moment so she
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might imagine as you say that obviously
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drives the price down of the the crude
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oil from this tankers queuing up you
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know in the made various other places
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there's nowhere for them to dock because
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all the docks are full it's it you know
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and it's gonna affect certain countries
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you've got country so it's really really
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rely on oil for the generate the
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revenues so these are countries
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which are politically unstable as well
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you put Libya you've got Nigeria you've
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got Algeria these countries that were
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always quite unstable but now picked
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over the edge because they rely on oil
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for their main income also Saudi Arabia
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they started doing well with Russia at
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the beginning on the 9th of March Russia
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is less far less vulnerable than these
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other people so there was just too much
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oil everywhere in the UK in the u.s.
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you've got obviously ood fracking to get
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the oil out that's no longer viable it's
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no longer making any profit so that's
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having to close down so it is impacting
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lots and lots of you know lots and lots
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of industries
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it's extraordinary when you see the oil
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thing because even down to individuals
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in Saudi Arabia some you know in a
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couple of days they can see their net
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worth drop by billions sometimes it goes
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the next and maybe imagine that scene
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depicted look at countries you know that
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really really rely on it so you know
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last couple of weeks we've had echoes
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needs bounce back they did bounce back
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way up to ten percent but what I've done
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is I've done some research and it's
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useful to reflect on how the market is
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bonding in 2008 so I'm gonna copy this
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just a little crisis right don't say
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you've got a dry cough whatever you do
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there were five 10% rallies and there
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were two 20% rallies before the final
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lows were reached so you're gonna have
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these rallies and then it does seem to
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be stabilizing just over the five pounds
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and that's the foot see anyway I was
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looking this morning and the foot seat
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is at the moment 5600 it's up slightly
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yeah we've got what C 250 which is up
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again at full team we've got sterling
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which is upper 112 it did go under first
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thing this morning Brits come back up so
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the sterling at least discovered gained
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some strengths which when it went under
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about one more one seven yeah it was
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funny worrying and so let's come back
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and we do have a quote here there's a
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chap called David Miller loosely
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invested direct through a quota trivia
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and he said give big government's
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assessing or setting the agenda whether
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through lock downs allocation of
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resources or implicit inflammation of
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stimulus the direction is what matters
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in
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Lester's are adjusting to invest events
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financial markets are functioning
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reasonably well liquidity is improving
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and volatility in the markets was
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reduced so there are very some good news
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out there you know volatility is
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reducing we're not seeing the huge
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swings we used to see there is more
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liquidity in the markets with buying and
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selling of equities bonds etc so it's
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it's functioning quite well considering
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what's going on alright nothing is
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perfect
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but it is definitely functioning better
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than it was and the advice remains as
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far as stocks and investment goes is sit
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tight because it did go Billy went below
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the 5000 markup season is extraordinary
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that I mean that is worried it's easy
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it's easy for us to sit here and say
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don't panic don't sell anything but some
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yeah I have my pension in basically most
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people have their pensions invested so
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you know it is worrying but it is
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affecting everybody
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it was just affecting one sector one
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country then obviously you could pull
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out you could move into something else
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but there's nothing to pull out to move
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into you know savings are giving you
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nothing if you pull out now you're
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crystallizing what are in effect just
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paper losses and as we've seen the
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market went down to below five if we
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panics are sold out then it's now back
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up to five six yep so you crystallize
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such a huge loss so I think you know on
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general I've had maybe four or five
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people saying you know should we sell
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should we stop taking our income from
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investments my advice and taking income
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is know if you need being meet the
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income don't leave yourself short take
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your income if you want to cut your
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losses yes but please remember you have
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been crystallized those losses as you
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would have seen if you've done that when
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the markets are under five
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you've lost out on that rebound you are
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just not you know losing money so and
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also with regards to income most
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companies at the moment are suspending
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their dividends it's happening daily so
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people that have been going in shares in
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companies like theirs look tight whimper
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a Wimpy is that the house builder and
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maker Oh expecting to get dividends
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which are playing good dude unless
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they've been suspended companies are
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suspending them daily and this is the
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way people were getting income
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they didn't mind if the shares went down
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because they'll guaranteed very very
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good dividends usually four five six
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percent which is more than got no
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savings now they see maybe a 30 40
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percent loss on their shares plus they
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get no dividends right so people are
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having problems getting income
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especially through dividend paying
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shares so you have to be very very
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careful and talking about illiquid
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assets if anyone remembers 2008 we had
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the same asset rich cash-poor
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yeah that's you need to happen again
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because what you've got is people with
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gone whole hog in two by two let's in
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the UK across Europe you know in Spain
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people have bought properties to buy to
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let people now tenants cannot pay their
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rents because of what's happening most
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of them are out work and most
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governments have said that you cannot
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evict people for at least three months
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in the UK there is a suspension of all
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court cases for evictions for 90 days so
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people cannot then again no income on
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their rental most of they've got
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mortgages to pay they can't service
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their mortgages they can't sell the
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properties because you can't evict
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people so these people that put all
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their money and I've always said this
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time and time again diversification is
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key you need liquid assets all right
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stocks and shares have gone down but you
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can still sell them and get your money
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out houses you can't sell housing market
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in the UK it's been put on hold
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there is no buying or selling of
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property whatsoever even it's fine it
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can happen most of notaries aren't
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working so there's not much buying and
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selling going on so these people are
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really really stuck it's the only word I
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can say they're looking at maybe a house
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price crash in the UK those same prices
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could go down by 20 to 50 percent they
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are expecting a recovery to take place
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but they're saying in about a year time
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they're talking about may 2021 so those
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people who are in that situation again
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we are asset rich cash poor and that
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it's going to call real real hardship
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for people that have invested their life
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savings in property expecting to get a
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good yield of maybe six eight ten
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percent on their return and now getting
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0 and that 0 could carry on for three
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six months UK's talking about maybe it's
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nearly knocked down for six months
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you know six months so most people who
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have property without any rate coming in
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yeah is a huge amount and the banks have
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a suspended mortgage payments yet so
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you're still going to get those coming
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through thanks sir ramping up charges on
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overdrafts which i think is absolutely
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disgusting
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I think all the governments worldwide
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need to step in here and say so the
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bank's right overdraft charges sorry the
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maximum you can charge would be maybe 3%
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some of the charging 40% on overdrafts
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this is where greed is coming in and we
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could talk about greeghan well but that
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is just pure greed on behalf of the
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banks talking to Christina Brady from
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black tower Financial Management I've
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been doing this for a while now usually
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every other Tuesday but we'll get you on
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every week if we can at the moment yes
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sir on the line working from home and
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working you are as well here's the thing
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this is a sobering thought you know
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we're still inside the five-year term of
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David Cameron's last election win it's
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fair to say plenties happened since then
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but yeah it's still well within that
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it's May yeah it would be may one day I
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guess people I was trying to forget
12:11
about that cap so I guess you haven't
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read his book heavies but he's may edit
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memoirs out me know it might be burning
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in my foyer I'm not sure they may have
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changed into wood pellets so I could be
12:22
burning we did say we'll touch on
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pensions because this is where it comes
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down to you know some of the core stuff
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that you deal with UK pensions and it'll
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be the new tax year yeah actually
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there's the UK state pensioners from
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April 6 of April the state pensions in
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the UK will rise by 3.9 percent and so
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some people that's over six pounds per
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week
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it means the rate the new state pension
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will increase from 168 spots 8270 5.20 a
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week or two 9110 a year however there is
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a sting in the tail with that some tens
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of thousands will see their income fall
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because what the UK government has done
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is it's in the allowance for adult
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dependents so before if you were married
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and you've had say a wife or a husband
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who didn't have
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state patron you've got extra money
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because they were called adult
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dependents
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they've scrapped that now so that
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allowance will go most people have
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received a letter I did have a quite a
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few people last year coming to me saying
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what's this letter what does it mean so
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everyone should have received the letter
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advising of that but you know at least
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it's something it's an increase when
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everything else seems to be going down
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so that's not bad yeah I was quite
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interested in the it's called the triple
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lock mechanism isn't it so it's
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whichever's highest whether it's 2.5%
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the wage increase or the rate of
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inflation rise by six a September's
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price inflation average earnings growth
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or 2.5 percent whichever is higher and
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it was 23.9% saw by waging races yeah so
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that's quite good also we've got some
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news on final salary pensions I know I
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was saying last week that final sarolea
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pension values are high at the moment
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and they could start to fall there was
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an announcement yesterday by the UK
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government
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that is giving all final salary pension
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companies are the option to suspend all
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transfers for at least three months from
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today or it could be longer it could be
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six months so if you are doing a DB
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pension transfer if you are in the
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middle of it and the money hasn't been
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released sadly your company could now
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choose not to release that money for at
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least three months it could be even
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longer they may suspend transfers
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indefinitely we're just waiting to see
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so if you haven't got your final salary
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pension out it could be too late
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especially if you work for someone like
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British Airways there is rumors that the
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government is going to try and
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nationalize the be a part of I AG and
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obviously that's going to impact quite a
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lot of pension companies most of them
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have shares in IATA which is the parent
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company so if you have shares in there
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even reduce your exposure hopefully you
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haven't got a lot of money in there or
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take care o you know anything to do with
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air lies you've got American Airlines
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which came out saying it needs a twelve
15:23
billion bailout from the US government
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so airlines and also select this is all
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going to impact your final say
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pensions also Topshop that nice man mr.
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green mr. green who should be called mr.
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greedy and he was meant to be paying
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money in to top up the pension pots you
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remember the BHS scandal yeah
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these sinus times as hard as times are
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hard he's not going to pay into it
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anymore which biggest belief but he'll
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get away with it yet again and I think
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this whole incident with this
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coronavirus has brought to the fore how
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greedy certain individuals and certain
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companies are and you're saying that
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people are coming together get together
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to act for the greater good
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no they're not there are certain
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companies and individuals out there that
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are still looking after themselves we
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still got certainly dear it's posting
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pictures of them on their 50 million
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pound yacht in the middle of some Bahama
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Island or whatever so don't worry unsafe
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we don't give a bananas if you're
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drowning basically matey most of us
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don't have a 50 million yacht to go and
16:29
sit on and have all our servants
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pandering towards and giving us
16:32
everything we need these people need to
16:34
get in touch with the real world and all
16:36
these celebrities or so-called
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celebrities or influences that are posed
16:40
in all these stupid videos one famous
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woman singer sitting in a bar moaning
16:45
you've got Sam Smith crying in his
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mansion
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come on get a real grip on life there's
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people out there that can't afford food
16:51
that can't afford to live that committed
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suicide you know and you're talking
16:56
about your hard life I think it's now
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time real lot people realise that you
17:02
use of today and maybe the older
17:04
generation we have been respecting the
17:06
wrong people we have had too much we've
17:08
been in all these film stars these pop
17:10
stars they've been getting knighthoods
17:11
they've been getting missed that and the
17:13
other
17:13
I'm sorry they should get nothing I
17:16
think the quiz on a list next year
17:17
should contain no celebrities no
17:20
sportsmen nobody just people normal
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people who have worked to help people
17:25
through this crisis I think it should
17:27
happen across the world and I think from
17:28
now on the honours list should just have
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normal working people in not celebrities
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who give money to charity in the hope
17:35
they'll get a knighthood who do concerts
17:37
in the hope they'll get anointed we've
17:38
seen this exposed time and time again
17:40
David Beckham was exposed for doing it
17:42
and various other people young
17:44
they do these charity things it's to
17:45
make them look good and so they get a
17:47
knighthood I think you know now people
17:50
need to stand together we need to
17:51
respect the real heroes that are working
17:53
people through this nightmare scenario
17:56
whether it was man-made with it was
17:58
natural I really don't care anymore you
18:01
know we need to start and look at who we
18:03
really need to be respected in this
18:05
world it's not politicians it's not you
18:08
know it's everyday people and I think
18:10
everyday people should now be people
18:13
that we you know in the Daily Mail you
18:15
get a little column at the side about
18:17
all the social gossip why don't they
18:19
change that to say let's you know this
18:22
person invented this this person saved
18:24
so many lives let's respect normal
18:26
people for a change
18:28
yeah that's not as glamorous of course
18:29
but I mean some of these slobs they are
18:31
doing they are doing good work and know
18:33
that they're doing a lot online at the
18:35
moment and it's entertainment it's free
18:37
but they aren't raising some money and
18:39
what do you say it's for their profile
18:42
or not so it's still they're still doing
18:44
a bit yeah how much is actually going
18:46
into charities okay there was an expose
18:48
eye on me TV the other day all these
18:51
celebrities to do stuff for charities
18:53
they charge and they charge youth uj--
18:55
face it's not at the goodness of their
18:57
heart for most of them very few of them
18:59
do it for free so unless you can be a
19:02
hundred and thousand percent sure that
19:04
these people are doing stuff for free
19:06
when they say they're giving all the
19:07
proceeds to charity it's usually - a big
19:10
cut okay so we need to make sure that
19:12
charities are actually doing what this
19:14
this up to doing I'm not going to go
19:15
into that but as I said I think it's
19:17
normal people that now need to be
19:19
respected and we were talking about
19:21
pensions and we're talking about all the
19:23
stimulus all these government's are
19:24
putting into everything and it's really
19:26
what it's going to come back is it gonna
19:28
come back and hit the middle classes
19:30
when things return to normal
19:31
they're gonna see a huge impact because
19:34
of the cost of these coronavirus rescue
19:36
schemes the government's have got to get
19:38
the money back from somewhere and that's
19:39
come from people who are working there's
19:41
gonna be more taxes there's going to be
19:43
less savings they're gonna tax pensions
19:46
are gonna be delayed or derailed
19:49
you know this gonna be we're gonna face
19:51
years and years if not decades of new
19:53
austerity to try and balance the books
19:55
this money can't come out of thin air
19:57
people are saying I'll brilliant the
19:59
government's doing this and this have
20:01
got to realize that the state's spending
20:03
is our tax that we are paying them and
20:06
suddenly they've got all this money
20:07
which I never had to help the NHS to
20:09
help the elderly to help sick people
20:12
it's been found no it hasn't been found
20:14
they're raising this sort of debt
20:16
markets they're issuing bonds which have
20:19
to be repaid back with the interest we
20:21
need this money to help people what
20:23
people have got to realize is there's
20:25
going to be a lot of pain afterwards for
20:27
everybody and in the UK it's brought to
20:29
the forefront and across the world
20:31
people who have been working and haven't
20:34
been paying the correct tax because most
20:36
of the government's are saying now right
20:37
if we're gonna pay you back so much of
20:40
your salary or so much have you declared
20:41
or for some people have only been
20:43
declaring maybe a third of their income
20:45
or less that's all they're going to get
20:47
back from the government to help them
20:49
out in these times of need and for most
20:51
people they were declaring the bare
20:52
minimum so it's going to make people
20:56
understand that you know by tax evasion
20:59
you could lose out in the long run with
21:03
like this when you need that money to
21:05
support you and your family sorry what
21:09
we're talking about declaration that
21:10
sort of thing is there anything that's
21:12
been anything else that's been put off
21:13
we've talked about the Marvello 720
21:15
anything else being suspended no that
21:18
was meant to be suspended then they
21:19
changed their minds right yeah one has
21:21
to have it in by today alright fine
21:24
people I'd like to see them try and find
21:26
people at this time maybe euros ruled
21:29
their fines are unacceptable anyway and
21:31
no one's paying them but I think the
21:33
Spanish government should have done
21:35
worth had spoken to lots of accounts of
21:37
history as they say they're having to
21:38
work from home they're struggling with
21:40
the workload the government said it was
21:42
going to suspend this this and this to
21:44
make it easier now it's changed its mind
21:46
and there's enough stress on people
21:48
anyway why are they forcing this on us
21:51
you know that is not urgent to the
21:55
economy of Spain you know what the
21:58
people have gotten their Modelo 720 it
22:00
could easily have been suspended for a
22:02
year you know if there's so much more
22:04
they could do to help people and as I
22:06
said I'm speaking to businesses I'm
22:08
speaking to individuals across the UK
22:10
across Spain
22:11
who
22:11
having problems getting from the
22:13
government money that is promised on TV
22:15
you know they go on Facebook they did
22:17
all these talks saying are we're gonna
22:19
protect the self-employed the employed
22:20
employers there's so much red tape
22:22
people are having to go through people
22:25
are not getting money and as I said
22:26
people are in dire needs and as I said
22:30
like when I was on the air the other day
22:31
the mayors of I think every town in
22:33
Spain need to come together they need to
22:36
set up task force within each area to
22:38
help people get through the red tape as
22:40
quickly as possible and get their money
22:42
as quickly as possible
22:43
they've got staff now but are not being
22:46
fully utilized due to restrictions move
22:49
them over to assist people in need to
22:51
assist they should have a disc for
22:52
self-employed a disc for employed a disc
22:55
for employers they should have teams on
22:56
each of them who can talk people through
22:58
all the red tape you make sure they get
23:00
their money now instead of people being
23:02
told they're gonna get it in June
23:04
September December by then these people
23:07
will be destitute their businesses will
23:08
be ruined you know some of them could be
23:11
out there home some of them haven't been
23:13
you know had enough to eat there needs
23:15
to be more done at a personal level as
23:17
well to help people through these hard
23:19
times yeah some terms and regions doing
23:23
better than others I think as far as
23:25
that sort of side of the administration
23:26
goes it says it needs to be a lot
23:29
clearer how people do it I know there
23:31
needs to be a certain amount of red tape
23:32
but surely in these times of need that
23:34
could be streamlined and we should be
23:36
thinking of people but you know you all
23:39
talking about people coming together
23:40
let's salute our heroes what about the
23:43
people who need to help the most and
23:45
it's not just the elderly it's infirmed
23:47
his people with children young children
23:49
who can't work you know it's people on
23:51
basic wages everybody at the moment it's
23:54
not earning what they were used to
23:57
earning main we need that help then and
24:00
we need it now and we need it for
24:01
everybody okay
24:03
Bob still good news about UK pension
24:05
Sullivan going up it's gonna be worth
24:10
more in euros yes absolutely yeah we're
24:12
over over 112 I think for euro to
24:14
sterling at the moment on the markets
24:16
there's the race right so a ciose we say
24:18
you are contact about regular clients or
24:21
anyone else with possible inquiries
24:24
what's the best way to get in touch with
24:25
at the moment we are actually very very
24:27
busy at the moment with people get new
24:28
touch just to talk through things and
24:30
and we're here for them so the best way
24:32
is if you have any emails email info at
24:36
black tower fm that stands for financial
24:39
management comm if you put for the
24:40
attention of Christine or if you put Lea
24:42
at play radio it comes through to me and
24:44
then I'll pass it on to anyone who can
24:46
help you or I can help you myself also
24:48
you can go to our website which is black
24:50
tower FM comm or even emails future baby
24:53
radio fm and they will pass everything
24:56
through to us but please don't sit there
24:58
and worry and panic if you need any guys
25:01
any reassurance any advice we are here
25:04
to help as best as we can obviously we
25:06
can't change the markets we can't make
25:08
things recover sooner than they will but
25:11
we can try to help you in any way
25:13
possible and that's what we're doing at
25:15
the moment we are here to reassure to
25:17
guide and just try and give you some
25:20
comfort everyone is suffering you're not
25:22
alone ok well we thank you as always for
25:24
your time and exceptional circumstances
25:26
mean that I turn a blind eye to you
25:28
moonlighting on other shows you are on
25:29
with Cowell again on Friday well you
25:32
can't eat you people you belong to this
25:34
show but we will leash you out for the
25:36
time being
25:44
you
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