With Consultants dropping out of your life like flies, this could be a useful guide to nailing a good one.

A huge range of opportunities open up once you're willing to step out of your comfort zone. There's this line that's been bothering me a lot for the last two years. When I first joined Seedly, one of the questions that came up was from someone who was paying off a low-interest loan. I think it was under 2%. The majority of answers gave this line 'Pay off the debt first, for peace of mind.' I would nod my head upon seeing this answer. Yes, this seems like good, logical advice.

The EMH stands for the Efficient Market Hypothesis (aka Efficient Market Theory) and it's an investment theory about how share prices reflect all the information available on those shares. Shares are always traded at their fair value and it is therefore impossible to buy undervalued or sell overpriced stocks. In English, it suggests that the market can't be beaten. There is strong support for this theory (e.g. index funds tend to do a lot better than mutual funds in efficient