Three Billboards

Three Billboards

Perhaps Three Billboards Outside Ebbing Missouri is the ultimate signposting movie ever made. It certainly doesn’t do much to alter any preconceptions about certain segments of American society, however it is a work a fiction, albeit with an alarming gritty realism. However, despite the gasps of shock within the audience at some utterly backwards attitudes. The most striking aspect about this film for me was the lack of any action.

In the film various characters are assaulted, verbally and physically, yet witnesses basically remain as bystanders, doing absolutely nothing, apart perhaps, from a disapproving “tut”. I comfort myself that this is fictional, it’s a movie, people don’t’ stand and gawp, doing nothing… do they? I mean I know we are all able to witness terrible scenes from around the world in a voyeuristic sense, but we aren’t right there on the spot, we are unable to immediately intervene… but if that happened within our own home, street or park, we would intervene right? To me, the lack of engagement or outrage was worse to witness than the racism or violence itself.

Engage with Other

It is surely our involvement and engagement, that provide us with a sense of our humanity. This was demonstrated in a CCTV clip that I saw this week of a person saving the life of a man about to throw himself in front of a train. Many do care and do get involved, but some seem to be happy to be mere bystanders in life. Maybe this is what the Director intended, given the politics of the day, perhaps this is a commentary on those that make claims about a President and turn a blind eye, frequently, to the continuous blatant hypocrisy. The movie certainly has the title and whiff of a “based on true events” tale. In short, I guess they could be, which is deeply worrying. Indeed, the very premise of the story is around the lack of action by the local police.

This is Hollywood, not Missouri… right?

As for the film itself, there are two very strong performances. The lead character Mildred (Frances McDormand 60) gives a very “real” depth to the characterisation and Sam Rockwell (49) nails his performance of Dixon, the cop you hope to never meet. There are some notable choices for the cast, Abbie Cornish (35) plays the wife of Police Chief Willoughby, (Woody Harrelson 56) she was 3 when he started his role in the bar sitcom “Cheers”. The white middle-aged men are hopefully too clichéd with Mildred’s former husband (wife/probably anyone-beating) Charlie, (John Hawkes 58) now with Penelope, (Samara Weaving 25) a woman considerably younger and more the age of their murdered daughter Angela (Kathryn Newton 20). Perhaps this too is deliberate characterisation of men unable to cope with ageing.

One of the talking points of the movie will likely be the actions of the Police Chief Willoughby, who takes a view on terminal illness and sets his mind to dealing with loose ends. His words to Dixon and the subsequent events seem unlikely and have caused controversy in various circles. However plausible, clearly each character is responding differently to stress, turning to their known and learned patterns from some rather poor parenting, at least that is what I assume it is.

Serious Stress Test

How we respond to stress when it arrives is hard to predict. However much we plan or prepare, the reality can be different. Life can provide us with unrelenting strain, serious illness, financial ruin, loss of a loved one – much of our ability to control these things is as fictional as the movies. Yet, we can plan, doing so in our more thoughtful moments, so that we can fall back on who we are, not what our surging biology deems us to be in the crucible of the furnace. It is easy to put off difficult things in life, we may get warning signs – even billboards, but sometimes even three at once isn’t enough in this modern twist on “don’t kill the messenger”.

So here I am…. have you got your stuff together?

Here’s the official trailer, the movie is tipped to do well in the award season, partly because it seems to reflect the moment in America today. Oh… and the language is certainly….. colourful.

Dominic Thomas
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email info@solomonsifa.co.uk

Three Billboards2025-02-03T10:37:21+00:00

Does your financial plan make your heart sing?

Does your financial plan make your heart sing?

If you grew up in the 70’s or 80’s there’s a new film that might stir a few memories. Sing Street is set in Dublin in the mid-80’s a secondary schoolboy finds his muse and musical inspiration from an imploding family life.

It’s the sort of movie that touches the familiar and a rite of passage that most of us traverse at some point in adolescence. However it is also a reminder to seize the day and not be swayed by the bullies or those that would otherwise wish to determine your course rather than address their inability to see one for themselves.

As an adult, I increasingly find myself staring at someone I barely recognise in the bathroom mirror, yet generally don’t find myself “thinking old”. Indeed almost everyone I meet at some point tells me that they do not think their age. Our own internal projections of self are often a contrast to the external. Of course with age sometimes comes wisdom, but certainly experience – which invariably alters our behaviour and attitudes, we are not who we once were. We have become responsible, whether through choice or necessity.

Sensible and Sensibility?

We know that we need to budget, save and build a pension, all laudable but fairly dull right? Sometimes being an adult isn’t all it’s cracked up to be, to be care-free certainly has its appeal, yet we know that our conformity is inevitably necessary. Financial products smack of everything that is “sensible” (at least the good ones) but they really are very dull and few would really wish to spend long discussing them.

However a good financial planner brings attention to your purpose – beyond simply repaying the mortgage and bills, confronting the question – what is your purpose? And what makes you come alive? For me this is a little reminiscent of adolescence, feeling on the cusp of huge potential. There are plenty willing to tell us what is and what is not possible, but a dream with a plan of action is invariably the difference between indifference and achievement. Sing Street is a triumph. Your financial planning can be too.

Here is the official trailer, you may have to hunt the film out as it isn’t showing in many cinemas (its blockbuster season) but its worth the effort.

Dominic Thomas
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email info@solomonsifa.co.uk

Does your financial plan make your heart sing?2025-01-28T14:35:47+00:00

Sunset Boulevard

Sunset Boulevard

There is something deeply unsettling about the musical Sunset Boulevard which I saw recently. It is currently on at the London Coliseum and stars Glenn Close, (now 69) who most will know from the 1987 movie Fatal Attraction.

The story is one that examines the Hollywood life, or more accurately, the very short shelf-life of movie stars, particularly female ones. Spoiler alert – this is not a new musical, so I will assume its ok to outline the plot. In essence movie star Norma Desmond (Greatest Star of All) of yester-year has long since been discarded and “forgotten” (personally I’m not convinced that this really rings true). The new generation of actors “who need words” are currently all competing for the limited number of roles… and we all know the stories about the casting couch. As with many things in life, the Hollywood honeypot attracts a great variety of bees, the talent pool is more than sufficient, yet to get a good idea or script turned into a good movie – that’s another matter entirely….”Every Movie’s A Circus”.

Money and Happiness

Money or the lack of it, poses problems for “our hero” Joe Gillis, a cynical and weary writer who sees both Hollywood and himself for what they are. Lack or perhaps need (or even desire) leads to compromise. Our writer hooks up with the much older actress Norma, who is portrayed as delusional, perhaps mad, but certainly someone with narcissistic problems. A relationship follows, built upon mutual desperation for something the other appears to provide, yet both are caught up in a self-serving but deceptive story that they tell themselves. “The Lady’s Paying” is a song reflecting Joe’s willingness to let someone else pay… perhaps some self-reflection on this point might result in better questions which move us all forwards about the Panama Papers rather than “how much?”

Whilst I will admit that this is an old story (originally produced as a movie in 1950 by Billy Wilder) so set with that world view, it is frankly all rather too familiar and depressing that older women pairing up with younger men, to feel young are “mad” yet in the very same breath all the male characters pair up with younger women – for the same reasons, and this is “macho”. A woman wanting something, particularly her youth or at least not to be forgotten is typically portrayed as struggling with mental health issues. Yet this is of course an issue that men and women face, with double standards applied by men. The number “Eternal Youth Is Worth a Little Suffering” seems only to point to the outward. Whilst I recognise that this is a period story, it is surely attempting to prompt questions of today… in a culture that is obsessed with appearances, selfies and celebrity…. “I’m ready for my close-up”.

Caught in the Spotlight

The irony of an audience in 2016 largely turning up to see Glenn Close in the title role, merely confirms our fascination with the stars, who now bring considerable ker-ching to the boxes offices of the West End. The audience was enraptured, yet this is certainly not one of the better musicals in the West End, and I was left wondering if the sun had not set on this portrayal of “older” “mad” women. In fairness, it is not clear how old Norma is meant to be, at one point Joe implies that she is 50… (but even in this comment, it is unclear if he is still being “nice”)… so the mere fact that an actress aged 69 playing a 50 year-old rather suggests we have moved forwards, back then women over 35 “didn’t exist”…

Of course, the truth that we all know is that life is short, we cannot deny the aging process and at some point we will become a memory. Hence having a financial plan that reflects your values, not merely your “value” and being in control of your money, rather than it being in control of you, is my way of attempting to address the money/happiness question.

As for the original, here’s the trailer.

Dominic Thomas
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email info@solomonsifa.co.uk

Sunset Boulevard2023-12-01T12:19:17+00:00

Should advisers fear being black listed?

Should advisers fear being black listed?

There are numerous benefits of social media. One is the ability of peers in any field to discuss topics and share ideas. Sadly this comes with the inevitable double-edged sword of whether to post under your real name or a pseudonym… or “nom de plume”. This I assume is connected to a fear of being black listed.

Of course there’s a lot to disagree about, and it appears that many will take considerable time to vent and click send. Not always a great choice, I’ve been guilty of it myself. There is a general perception, whether explicit or implied that somehow anything critical of those in power will result in some form of retribution. Hence many publish comments under false names for fear of being “black listed”.

Invariably the problem within my own sector is that of fear of the regulator. Of course on the one hand I think this is quite a good thing, advisers ought to be “afraid” of the regulator. That would really mean that they are surely there to keep people on the “straight and narrow”. So I welcome good, strong regulation – it’s in my interests (and yours). The hope is that strong regulation reduces the potential for people to be ripped off.

A critical voice brings change

On occasion, of course some criticism of the regulator is entirely appropriate (after all is anyone or any organisation perfect?). It is this that advisers fear (good ones too). The concern is rather obvious – raising a critical voice may be met with a sudden barrage of requests for information, which can prove time consuming and frankly unnecessary. I take the view that the regulator needs to be held to account and publish under my name. Frankly it is rare that I am critical of them – my main gripe is invariably a difference of approach to the way investors who have suffered scams or mis-selling are compensated following advice from “bad” advisers.

At present, the system is such that “bad” advisers rip off investors. The product, fund, adviser and their PI cover all fail and the remaining “good” advisers pay the compensation. By remaining, I really do mean a diminishing number. At one point there were about 250,000 “financial advisers” today there are about 22,000. Most advisers pass this cost onto their clients. To date, I haven’t despite a 30-day demand for payment increasing by 67% in 2015 on top of a 69% increase in the previous year! Hard to explain and pass on such fee rises in a period of virtually no inflation!

I don’t think I’m being too radical or inflammatory in my industry comments. This isn’t the 1950’s, McCarthyism has not returned (as far as I can tell). On which note, there is a very good new film out called Trumbo – the true story of a man that was blacklisted by some very unsavoury people in Hollywood. Trumbo was forced to write under a pseudonym to allow him to earn a living and he wasn’t ripping anyone off. I’m not so sure that advisers publishing under pseudonyms is really the same thing at all. I wish I had the creative writing skills of Trumbo! I only stand with him in the sense of being free to write or speak without fear of reprisal.

Oh, and you are welcome to check out my industry comments online at places like New Model Adviser, Financial Adviser, Professional Adviser.. but they are pretty dull and aimed at advisers.

Here is the trailer for Trumbo, you may recognise Bryan Cranston (who plays Walter White in Breaking Bad) and Helen Mirren has a small role, but has you piping venom… well it did for me. It has only just been released here in the UK… its one of the few films that I gave 10/10… but of course I may have been influenced by issues raised here!

Dominic Thomas
Solomons IFA

You can read more articles about Pensions, Wealth Management, Retirement, Investments, Financial Planning and Estate Planning on my blog which gets updated every week. If you would like to talk to me about your personal wealth planning and how we can make you stay wealthier for longer then please get in touch by calling 08000 736 273 or email info@solomonsifa.co.uk

Should advisers fear being black listed?2025-01-27T16:38:36+00:00

Focus – lessons from Sundance

I’m lucky enough to have fairly easy access to London and as a consequence, some really great stuff. At the weekend I managed to spend time at the Sundance London film festival (which I also attended last year). This is a showcase of independent films, largely brought over from Utah, where the Sundance organisation, set up by Robert Redford is based. The great thing is that you get to meet and hear from people that love making films. Their common trait, forgive the pun, is their focus. There is an unmistakeable sense of “doing the thing they love”. Not simply for those in front of the camera, or whose name you may know, but a real sense of drive and desire to make something that says something of value.

David Arnold, is a successful British composer, who has already built a considerable body of work within the film world. You might know him best for his work on the more recent James Bond movies. Now I enjoy music and listen to a lot of it, but to my shame, I’m not terribly much of an expert when it comes to classical music, despite my father’s operatic background, and my years in the school choir – I’m certainly no composer. So I am in some awe of those that can create music, but I had never seen the process of scoring a film so wonderfully explained. David walked the audience (of which around 50% were composers) through his catalogue and his process. He then demonstrated the various techniques he uses to structure the music to the film and build it layer by layer, whilst all the time being mindful that changes may need to be made due to editing of the film itself. It was fascinating. There was a real sense of his humility in being able to appreciate the contributions of others, whilst also remaining focused on the task at hand – for which he has a clear passion.

Whilst I’m not making music, his explanations and processes resonated with me. When I’m constructing a proper financial plan based upon someone’s values, it is very much a layered approach, with the need for editing and re-working. I like to think that on occasion I really help people find their personal rhythm in their own lives and values, but I’m stretching things. I certainly love what I do and enjoy the creative aspect of my work, but it isn’t really a masterpiece, but I do hope that I’m helping others (my clients) to make a great work of their lives, by really thinking about how they want to live them out…. not your run of the mill financial stuff.

Dominic Thomas: Solomons IFA

Focus – lessons from Sundance2025-02-04T10:56:53+00:00
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