QUESTIONS

We have just arrived back from a few days on Exmoor, Somerset. We stayed at a charming Hotel : Ashwick House Hotel nestled deep in the countryside on the southern edge of the moors. We enjoyed our stay and were very well looked after.

Refreshed and batteries charged my first question is ; What is the difference between Big High Street Banks and Small Business owners. The bank employees (they are all employees) do not give any guarantees. Small business guarantee assets in lieu of finance to develop the business.

My second question is why do the media say the stock market index has risen in the last couple of days when underlying the index is 50% down from its height about eighteen months ago.

All business is suffering and the pensions value for the working folk of this land are now looking decidedly grim.

I was asked if the time was right for the Buy-to let business. I think yes on a cautious basis. Loans and mortgages are available but with 25.30% deposits. Those with cash can strike good deals and the lenders will be happy to assist. Banks after all are money lenders who are' herd like' in a growth market with real keeness to lend and are ruthless in difficult business times seeking extra charges and fees.

Easter is just around the corner and spring is now with us. The sun does make us all feel a bit happier and with all the business and working stress is does pay to take time out for a little relaxation.

My last question is who do you trust to get us all out of these present times. The Leaders of this Country give us a major doubt. I suspect we shall have to look after ourselves and manage our way to better times.