I wrote to you earlier this year about the raw deal we keep seeing our clients, their family and friends are getting from the banks.  I’m writing again now to reiterate that unfortunately we are still seeing the same old problem.  Every week I see cases where people are paying thousands more than they should be in excess fees and interest rates on their home loans.  And this usually also adds years to their mortgage unnecessarily.

By virtue of necessity, the media works on a day-to-day horizon when covering financial markets. For most investors, though, the more important horizon is measured in a matter of years.