In this edition we look at some hints and tips that can help your business manage cash flow better in 2015 and beyond. We also look at ways to ensure you are financially prepared when starting a family. Our regular feature from Piers Bolger, Head of Research & Strategy at BT Financial Group, delves into investment sentiment in markets from around the world for the past quarter. And finally as the year draws to a close we discuss ways to ensure you don’t fall victim to fraudsters this holiday season. From our team, we wish you and your family a safe and happy holiday. Until next time – happy reading.