Your Business Needs an Accountant

Entrepreneurs who are just starting their first business often feel overwhelmed by all of the paperwork and decisions that they have to make. One thing that many small business owners try to do is cut costs by neglecting to hire the professionals that they need for their company to run as smoothly as possible. If you find yourself in this situation and you are wanting to try to attempt doing all of the work yourself, it’s still a good idea to hire an accountant to help you.

They Offer Many Services

One thing that many people don’t understand when they hire a professional who offers affordable accounting services in Woking, is that these professionals can help you in a number of ways. Some of the services they offer include:

  • Help with your tax returns
  • Opening your new business accounts
  • Managing your accounts

Consider Their Reputation

When looking for the best accountant to hire, it is a good idea to consider the reputation of the person. You want to make sure that the person you hire is able to meet your needs, will work hard for you, and understands the law. An accountant who has years of experience is going to be more likely able to help you with any problems that you encounter, making it easier for you to focus on running your business.

You shouldn’t have to deal with the difficulties of filing taxes and filling out accounting paperwork by yourself. When you hire a professional, you can rest easy knowing that you will have the assistance that you need.

The Brilliant Career

Any time people talk about their careers, familiar expressions like:

“My career goals”, “Career path”, “Career development”, “Career direction” etc usually come to mind. These expressions have one reasoning in common “the concept that a career is something that has an entity or existence of its own, that it’s something out there, a place or a destination or a means to reach a better place”.

If we think of a career in these terms, there are a number of hazards and influences that can throw a career off course. Career goals may conflict or be frustrated by other kinds of goals such as the demands of a busy family, academic pursuit or social life. The career path may have to wind its way through other tempting highways and byways. Career development may be stunted by a particular work environment that is hostile to its growth. A career direction may turn into a dead end if a new technology emerges.

Any one of these events can turn into a career threatening influence. And when they do, we can absolve ourselves of blame. ‘The organization didn’t support my career goals’. ‘I was poorly advised and took the wrong career path’. ‘My career development was blocked by a lack of funding for training and development’. ‘My career direction was influenced by circumstances beyond my control’. ‘The boss didn’t appreciate me, he hates me and never encouraged me to grow in my chosen career.’

If we think of our career as something out there, over there, at the end of the rainbow or whatever, there will always be something or someone else we can blame for its demise.

Here’s something for you to consider. If you must excel, “Take Control of Your Career.”

How do you do this?

o Consider that you are your career. Your career is who you are, here and now in this place. Everything about you; your competencies, your habits, your appearance, your education, your communication style, your relationships, your lifestyle, habits etc. All of these are attributes of you and comprise your career. Your career is who you are, what makes you unique as a person and as a worker.

Take a moment to reflect on this. How is your career going? Does it want to leap out of bed in the morning and rush itself off to the workplace to engage in something passionate and rewarding? Or is it somewhat self-conscious and inclined to waste of time and daydream of a safer or more interesting place along the way? How do others respond to its presence in the workplace? Do they look up to it, seek its advice and applaud its successes or do they seem a bit dissatisfied with its performance?

o Another way to look at this is to imagine your career as your brand. How would you market your brand? What are its best attributes? What can it do better than any competing brands? In what kind of environment will your brand add the most value to an organization? Do you need to enhance any features of your brand to improve its visibility and appeal in the marketplace? How do you better position your brand to attract customers? Do people around you know that the brand (you) exists? How do you price your brand? How do you distribute your brand?

Careers and Job Search – Should I Get Help?

How can you make the “right” decision about using professional assistance to enhance and accelerate your career change or job search?  This article defines the main questions you need to ask yourself, and provides clear criteria for assessing your needs. To further support your decision-making, the article offers a simple cost-benefits analysis for using a career coach to increase both the probability and the speed of a successful job search. Since this step may influence your direction and career goals, as well as the “landing time” to reach your next job, it is clearly an important decision, with both short and long-term impact on your life.

If you are in transition to a new career or a new job, for whatever reason, you may have asked yourself the question: “can I do this on my own, or might I benefit from the advice and guidance of a professional career coach and resume writer?” Even knowing that the job search is a difficult task in today’s treacherous economic environment and high unemployment with few new jobs, our sense of independence, self-confidence and the desire to conserve cash all urge us to do this on our own. But for a more reliable answer to this question, set aside your gut reaction and consider the key factors below with tough, business-like objectivity, and decide how they apply to you and your situation.

Are you equipped for this potentially difficult battle with:

  1. Clearly defined career goals and objectives?
  2. Significant experience in successfully transitioning to new careers or jobs?
  3. Good networking skills and contacts in the field of your interest?
  4. The skills to promote yourself, conveying your accomplishments effectively, but without boasting?
  5. An understanding of the recruiting process and the opportunities in your field of interest?
  6. Strong resume writing skills?
  7. Clear, concise and persuasive verbal communication skills?
  8. Several job-leads/opportunities that would meet your career goals and needs?
  9. A resume that has generated several job interviews in your current situation?
  10. Interviews that have generated at least one job offer?
  11. Family, financial and geographic flexibility, without limitations on career or job selection?

 If you can answer 8 or more of these questions with a firm “yes”, you probably have the resources and skills to drive your job search without external help.  But if you answer “no” to  4 or more questions, then you are lacking some key attributes or resources for an effective job campaign in today’s unforgiving and competitive jobs market, and should consider some professional assistance.

This is not to say you cannot be successful on your own, with a great deal of perseverance and some luck. However, a capable career coach can dramatically improve the odds of success and greatly accelerate transition to new careers or jobs by:

  1.  Helping you think through your situation and options in a caring but very objective way
  2. Guiding you to develop a personal career and marketing strategy and an action plan
  3. Helping you to fill in some of the gaps in your “arsenal”
  4. Coaching you to present yourself in the best possible and most competitive position: armed with a powerful resume and well-prepared for job interviews and negotiating job offers
  5. Helping you achieve your defined goals, based on a well-thought through strategic plan

If you decide that external help would be appropriate, then you still need to ask one more basic question: “are the benefits of professional assistance worth the cost?” To answer this, first recognize that using a career coach can often be the key to defining your career goals and strategy, and then in getting the “right job”. The great value of this to a job seeker is incalculable, because it tends to enhance initial salary, ultimate job satisfaction, promotability and long term career success. However, beyond this great but qualitative benefit, consider the following more quantitative analysis:

  • Statistical evidence summarized from several sources* indicate that 1) 33.3% of the unemployed are now out of work for 27 weeks or more – a higher level than in any recession since 1950; 2) the average unemployment duration is now about 6 months, with a range of 1 to 12 months, twice what it was a year ago; and 3) higher salary levels and older  age statistically increase “landing time” to reemployment.
  •  Anecdotal evidence from numerous articles and presentations suggest that a good strategy, a powerful resume and solid interview preparation – benefits that can come from the assistance of a career coach – can accelerate the job search and significantly reduce your personal “landing time”, though individual success cannot be guaranteed.
  • Since “hard” statistics on the benefits of career coaching is unavailable, for the purpose of a simple and very conservative cost-benefits analysis, assume that the result of career coaching is finding the right job just  one month sooner than you would otherwise. If, for the typical coaching cost of about $1,000 (for a strong resume and 5-6 hours of consulting), you find a suitable $60,000/yr job just  one month sooner, then you get a $5,000 return on a $1,000 expense – which is far better than any conventional investment performance! And at higher salary and/or shorter landing time in the job search, the return on your investment is even better! This return is so good, that even if the coaching costs were significantly higher, the benefits would still remain very attractive.

Career and Job Planning

Each individual is responsible for building his or her own career. In this ever-changing world, everyone is looking for new ways to earn living. The purpose of career and job planning is to develop strategic plan based on one’s talents, aspirations and background, leading to a happy personal and professional life. Career planning involves identifying your choices, and then forming the goals that suit your individual needs, and the realities of job world.

How to Plan Your Career and Job

Planning a career and job is an important step for anyone who is either looking for job, or is already employed. It helps to set clear goals, and map the future career path. This panning helps you determine your weaknesses and strengths, and also helps you learn about your career options in different industries. If you are yet to enter the industry, career and job planning takes the form of interviews with prospective colleges, assessment tests, networking with other students and advisors and then finalizing your plan over a period of time. This will equip you with enough skills, knowledge and tools to enter the work world.

Job and life experiences, educational backgrounds and personal goals can either minimize or maximize the potential target career and jobs. Planning for your career involves doing some deductive reasoning and research about the locality of your job search. The types of jobs that are currently in demand vary greatly depending on the location. Getting the basic knowledge of geographic location and observing the statistics can provide you good information regarding jobs that are most competitive and highest in demand.

If you are already employed, there are certain mistakes you need to avoid so that you can plan your career and job well. Do not look for employment in other field without doing intense introspection, do not enter any field just because someone else is doing well in it, do not look for hot fields unless you feel they are suitable for you, do not go back to school without doing some test-drives in the new field, do not try to make the switch alone, do not make money the only deciding factor, be very careful when seeking services of search firms or placement agencies, do not expect to make the switch overnight and do not expect the career counselor to tell you which field to enter.

The foundation of your job search or career shift is solid, good and honest curriculum vitae. It must describe all your qualifications and entire professional career in detail. An effective resume can help you get your foot in the door and lead to personal interviews.

Knowing your salary range is an important aspect of career and job planning. This helps eliminate the prospective jobs falling outside your salary range. To know your realistic salary range, you need to do some research. The first important step is to know your fixed and variable expenses so that you know how much you need to maintain your current standard of living. While determining your salary range, keep in mind that what you might think you are really worth does not matter as much as what the employer thinks the job is worth.

Another important aspect of career and job planning is to get focused. You need to make real choices based on your career aspirations, skills and background.

Once you have successfully formulated you career and job plan, you need to find the employment through your contacts, friends, recent alumni, networking, professors and so on. If you are a fresher, it is advisable that you have a mentor who can also act as a resource in your job hunt. If you are planning a career move, yellow pages, classifieds, career fairs and employment agencies can be quite helpful.

Are There Any Research Aids to Understand the Top Careers in Demand?

One of the vital steps in getting good lawyer careers is the preparation that you put in to get a career of your choice in a business enterprise that is stable and has a reasonable prospect of growth in the years to come. This is the only way that you can ensure that you have a satisfying career progression in the industry that you have chosen to make a career out of and meet your life goals with relative ease. But all this is possible only if you if you are ready to put in the effort and dedication to research the industry that you are interested in working for.

Before starting your army careers or in some other field, you would have to get through the hiring process that each business enterprise has set up for validating your skills and aptitude. Most of the organizations are acutely aware of the cost of hiring and therefore would like to factor in some scientific methods in the hiring process to ensure some degree of stability in the hiring mechanism. There are different methods by which business enterprises make sure that you are suited for the top careers in demand in the economy today. Apart from the interviews, these corporations rely on a series of screening tests to assess your capabilities. These tests make an assessment of your inter personal skills along with your understanding of the technological subject matter.

Getting through these tests without advance preparation is not advisable as the questions would not be entirely theoretical in nature. All the top careers in demand like careers in physical therapy, fastest-growing-careers and careers in public relations require a degree of interaction with the general public and with the other stakeholders. You would therefore, need to be capable of handling these interactions in consonance with the values of the organization that you are employed with. It is this aspect of your personality that would be assessed in the screening tests while you apply for a career in the organization of your choice.

You can get professional assistance to help you get through the screening process (that includes career interest test and other forms of assessment) with ease. You could visit the leading career and test preparation websites and get hold of some of the valuable advice given by career counselors to help you get through the screening tests. You could also get authentic information on the job specifications that the top careers in demand entail and find out whether you are suited for the position that you are hoping to apply for in a business enterprise.

These websites are offer and in depth repository of information and help you understand the nuances of the various jobs that are available for you to get hold of a career in the industry that you are interested in working for. You would be able to ace your screening tests and get hold of any of the top careers in demand that you had always wanted for yourself once you go through the content in the career and test preparation websites.

Pros and Cons of Career Academies

To address the high school drop out rate and improve the number of students graduating from high school, educators, policymakers and community business leaders are supporting the strategy of career academies in high schools. Career academies are not the latest fad; they have been around for at least forty years. Career academy experts know what works and what doesn’t. The Career Academy Toolkit is a book that describes the process of creating and establishing a career academy in great detail.

So what are the pros and cons of these career academies? Pros for career academies are that students have improved high school attendance, additional earned credits, higher grade point averages and graduation rates, and are more career and college ready. Cons include that career academies are more expensive to establish and implement, difficult to schedule, and require partnerships between education and the community. Let’s discuss each of these pros and cons in more detail.

Pros of Career Academies:

1. Improved High School Attendance: Because students elect to be in an academy, they are more apt to attend school. The more students stay in class, the more they are motivated to learn. The more motivated students are, they more they are engaged in learning. The more engaged students are, the more they learn. This, them, becomes a circle: the more they learn, the more they are motivated to learn more.

Motivation is one of the major keys to the success of academies. Academies do several motivation strategies, such as integration of the curriculum between both academic and technical courses. Now students not only learn the knowledge, but they have the opportunity to apply it. We, at Bright Futures Press, call this “Sticky Learning.” Because academies have partnerships between the academy and the community, students can then go into the “real world” to see how their learning truly fits there. This is exciting for students and reinforces the classroom learning.

2. Additional Earned Credits: Based on pro number one, students who stay in school tend to earn more high school credits and the more high school credits students earn; the more they are apt to graduate.

3. Higher Grade Point Averages: This brings us to pro number three. Students need credits to graduate and students who stay in school earn the credits to graduate. Students on the path to graduation have more self esteem and have improved motivation to learn more, which increases their grade point averages. Students who graduate from high school are generally encouraged to attend college or post-secondary learning.

4. More Career and College Ready: Students that feel they are college ready make an effort to attend college or receive post-secondary learning. Students who immediately go to work are more readily to receive company policy and any additional training that the company supplies.

Now let’s discuss the cons of career academies. There are three major cons to career academies. One is that they are more expensive to establish and implement. The second is that they are difficult to schedule, and lastly, they require partnerships between education and the community.

Cons of Career Academies:

1. More expensive to establish and implement: Because academies include a “real world” theme with community partners, this application of the learning process requires more money for student field trips and internships, plus monies to pay for teacher externships. Additional resources does not end there, funding is needed to pay for teacher time to collaborate in the curriculum development and time to collaborate with business partners and post-secondary learning institutions. And, all of this requires more professional development for the educators. True, careers academies are more expensive to operate, but the ROI (Return on Investment) is worth it (i.e. additional revenues from improved student attendance).

2. Difficult to schedule: Due to the curriculum integration, the student field trips and internships, teaching teaming activities, career academies are a nightmare to schedule. However, many career academies have overcome this obstacle and are willing to assist high schools who have decided to establish academies. Additional resources include career academy consultants who are experts in this field and will help schools for a fee. Because these experts save both time and money, they should be considered as a viable option.

3. Partnerships between education and the community: This is the trickiest of the three cons of career academies. Business and education speak different languages and there needs to be someone who can translate what each is saying. These partnerships require both a igniting and nurturing process. Establishing the partnership is more difficult that it seems. Most schools go for the “affair” over the “marriage.” They tend to ask for money (short-range goal) rather that the value the business can bring to the relationship like mentors, real-world site learning, etc., which is the “marriage.” Once the partnership has started, teachers need time to keep the relationship progressing, and time is something that more schools are not willing to pay for. The school that thinks the teacher will stop and visit the business on the way home from school (on the teacher’s own dime) is dooming the education/business relationship to failure.

Three Steps to Make An Investment Plan

If you invest you need an investment plan. Your chances of reaching your financial goals soar if your investments are based on sound principles and a written plan. Your chances for failure are increased exponentially with every investment planning step you fail to complete.

The financial world changes rapidly. Markets go up, they go down. Economies change pace and business cycles fluctuate. Politics, monetary policy, and world events knock your finances off course at a rapid pace.

A pilot has a plan before taking off. They run through a pre-flight checklist, make sure they know where they’re going, what to expect from the weather, and what time they need to leave to reach their destination.

Can you imagine if your pilot didn’t have a plan? What is your backup if the weather pushes you off course? What if you have a mechanical issue and need to land somewhere else? Every pilot knows ahead of time how to deal with challenges.

Investing can be complicated, confusing, and even scary. But a well structured investment plan can take the fear out of investing and keep you on track to reach your goals.

Just how do you create an investment plan? Here’s a few short steps to get you well on your way to investing success! These are just a start however and there is much to be learned over time. I recommend reading “Simple Wealth, Inevitable Wealth” by Nick Murray and “The Only Guide To A Winning Investment Strategy You’ll Ever Need” by Larry Swedroe.

    1. Define Your Goals. You need to know where your going to figuring out how to get there. What are you investing for? Retirement? The kids college? A large purchase? Once you define your goals you can calculate how much it will take to achieve them. Vanguard.com has some excellent investment calculators.
    1. Create Your Investment Policy: An Investment Policy Statement (IPS) is a document which defines the parameters for which you’ll invest. It should be in writing and it’s a very important part of your investment plan management. It helps you avoid ad hoc revisions to an otherwise well thought out investment strategy and provides a framework for making wise investing decisions in the future. Your Investment Policy Statement should detail the types of investments you’ll own, how you’ll select the managers for your investments (which mutual funds or ETF’s may be purchase), how you’ll replace those investments when necessary, what percentages of which asset classes will be purchased, when you’ll need to draw income and how much, how you’ll manage and monitor your investments, when you’ll re-balance your portfolio.
  1. Manage, Monitor and Maintain: Finally it’s not enough just to invest your money and forget about it! Investing takes time and you should schedule a portfolio investment review at least annually if not semi-annually.

Each investment review should track your current investment assets against a benchmark of where you should be in order to meet your goals. It should also prompt a fresh round of due diligence and an asset allocation check on your investments. Mutual funds or ETF’s which were once great may have fallen out of favor, and because the world changes so rapidly it’s a certainty that your asset allocation will have changed which may require adjusting.

The important thing to remember is that if your investment plan was created properly up front, you should continue to have faith and confidence in it – yet the process will need to be monitored and refined. Make changes and adjustments over time as your financial situation changes, but never make emotional random changes in response to market fluctuations.

How To Invest In The Stock Market With Little Money

Many people think that you need a lot of money to start investing in the stock market. On the contrary, you can get started investing for as little as $25. Thanks to the internet, stock investing is accessible to individuals of all walks of life. All you really need to get started is an internet connection and a bank account.

One thing that you must understand when you are just getting started investing is that this is not a get rich quick scheme. You should not expect to make $1000 from an initial investment of $25 in a week. You need to recognize that investing in the stock market is a long term process. Of course, there are experienced stock traders out there that make lots of money day trading, but if you are new to this type of investment, then you should take your time and learn.

If you do not know anything about stock market investing, then you should really think about investing time and a few bucks to learn. The money that you spend now to get familiar with stock investing will pay off in the long run. One of the reasons why people lose money investing in stock is because they do not understand the basics. Stock market investing is one of the riskiest investment vehicles out there. Consequently, if you are clueless about how the stock market works, then your risk exposure is magnified.

So here is what you need to do to get started investing with little money:

    1. Find a stock broker that does not require a large minimum investment to open an account. You are looking for a broker that requires a minimum of $1000 or less to open an account. Some of the online brokers that fit this criteria are E-trade, Sharebuilder, and Firstrade. You also want to look at how much the broker charges you per trade or transaction. If they are charging over $10 per transaction, then it may not be worth it to open an account with them.
    1. Once you have found a broker that you would like to use, then you need to open the account. Be prepared to have to verify your identity and bank account information. Opening an account is simple but it can be tedious. You may also be required to fund your account before it is opened.
    1. Once you have opened your brokerage account, then you need to familiarize yourself with the account. Most online brokerages have a suite of tools that you can use for tracking your trades or researching your potential investments.
    1. Before you start actually investing in stocks, you need to make sure you understand the basics of stock market investing. There are several resources available to you offline and online. Some of the resources are paid and some of the resources are free. You can even subscribe to some free online investing newsletters to get tips on investing.
  1. Once you have an understanding of how the stock market works, then you should be able to make educated investment decisions. Of course, even with the best education, you will still have some bad investments. Nevertheless, with some type of investment knowledge, you will have a better chance of making good investment decisions.

Making An Investment

‘Save for a rainy day’ is how the adage goes and our elders too propagated the same so that we have an easy life and do not get stressed for want of money during trying circumstances. In order to make oneself well equipped to deal with the unexpected trials and tribulations that life brings in it is important to follow a good investment plan. It is highly prudent to come up with an ideal investment plan so that you have pragmatic goals that are achievable. Before actually getting into serious investment, it is essential that the investor has a sound financial foundation in place. There should be some kind of emergency funds for that rainy day and the house should be adequately insured.

Making an investment greatly depends on the amount of risk the investor is ready to take. Identifying the investment goal is also crucial because there are people investing actively for different reasons… for asset accumulation, for children’s education or for a major investment like a home. Being aware of the investment goal helps a lot because with this awareness you can decide upon the time horizon of your investment. Then comes the asset allocation.

Another crucial step in the investment plan is to decide on how much percentage of the savings are you going to invest in equities and how much in fixed income instruments like bonds and bond funds. When you are decided on this the next step is to put your investment plan into practice. This execution of the investment plan is probably the most difficult and challenging step for the investor’s investment journey. But once the hurdle is passed, maintenance should not be a problem. However, subsequent maintenance of the tempo also is crucial to let the plan get to completion.

There are a few other factors that will help in the investor’s decision making. Identifying the main cause of investing would give him a sense of commitment to stick to the plan. Otherwise the entire effort would be a directionless one. Understanding whether or not the chosen channel meets the requirements is very crucial… if it does, following up with the plan helps. But if it does not, it is always right to nip it in the bud and choose another investment channel that would meet the investor’s needs.

Identifying the time frame of the investment plan would give you clarity on the finances you may have at your disposal. Understanding your investment channel will greatly help in tapping the advantages to the fullest. For instance, if you are a novice in equities and are pinning your investments there, the amount of risk you are taking is very high. It is very important that you understand the stream of your investment well rather than follow the crowd.

Choice Financial Solutions is an independent financial adviser that is committed to offering its clients pertinent advice as far as investment and investment plans are concerned. The online firm offers services in the areas of investments, mortgages, pensions and protection. Get the expert’s opinions while investing in investment bonds or unit trusts or guaranteed income bonds or portfolio planning. They tailor their services so as to suit the needs of their customers.

How Long-Term Investments Can Benefit You

In uncertain times, with markets usually volatile, it is tempting to make long-term investments and hope to ride out any economic storms.

There are advantages and disadvantages to all types of investment terms so what are the specific benefits of Long-Term investments.

The most obvious benefit of long-term investing is compounding. This is the effect of dividends or interest being reinvested to achieve sustained Capital Growth.

If investing on a regular basis, this equates to cost averaging. This means that you may purchase shares or units monthly for example and the cost of the units will differ short-term but as long as the overall investment increases long-term then any troughs or peaks are smoothed.

What about a lump sum long-term investment?

In this instance you are hoping that the investment increases over the long run to achieve capital growth or any income derived will outweigh capital depreciation. However, what if the investment actually grew over the long term, GUARANTEED.

If you think about it how many investments can you think of that physically grow and offers huge demand and markets.

For a long-term and stable investment, you couldn’t do much better than an investment in Timber. When other investments have been heading down hill, timber remains a solid investment opportunity for the savvy investor. If you look at the return on investment figures for the last forty years, timber comes out as a top performer when measured against many other asset classes.

So how does a forestry investment work?

Usually, an investor will commit a lump sum. This will purchase saplings, fund the land lease, pay commissions and forester/management fees. The saplings are planted and they start to grow. Initially, the saplings are worthless but as time passes the young trees start to gain in value. Weaker trees will be harvested for paper pulp to allow the stronger trees to become more established. Usually, this first harvest will happen within the first five years. The income the harvested trees return will be passed to the investor as an income payment. The remaining trees continue to grow and all the time they increase in value. Further harvests will take place until the investor is left with high value, strong mature trees.

Please allow me to take you through a scenario. For example, an investor initially purchased 600 saplings. After year 4, 300 trees are harvested (returning £5000 in income). After year 8 a further 105 trees are harvested (returning £15,000 in income). After year 10 a further 68 trees are harvested (returning £20,000 in income). To this point £40,000 had been returned in income.

For argument sake, lets me make the assumption that a mature Melina tree (Gmelina Arborea) is currently worth £250 each and over a 12 year cycle the price increased by 5% per annum, a mature Melina tree would be worth £453 approximately.

Therefore, 127 trees would remain after 12 years and harvested. Returns would be 127 X £453 = £57,531. On this basis the overall return would be £97,531 for an initial investment of… £18,000.

Now what if I was to inform you Gmelina has risen in value 2005-11 on average 17.83% per annum.

As a long-term investment option, various bodies predict strong growth for the timber industry and for the foreseeable future. In the UK alone we use 50% more natural resources per person than what nature can replenish. When you weigh-up the long-term nature of timber an investment today is an interesting option to help secure your financial future and maybe even that of your heirs.

Alternatively, if you are looking for UK Pension investment, forestry may just provide the returns you need to start in building your financial security for the later years in your life.

Whatever way you look at it, investment in timber is a solid financial choice.