Andy Bell

The FCA and Treasury deserve credit for tackling this difficult problem head-on and exploring solutions to both improve guidance and make advice more accessible. Crucially, unlike with Isa reform, they do not appear to be bound by political timescales and are focused on getting it right.

When you are offered a bike as a Termer, it’s hard to say no to something you’d rather not have for fear of sounding ungrateful or like a spoiled kid. When I was offered a Kawasaki Z-H2 SE, I didn’t have to make any fake noises or feign any signs of pleasure. I have only covered a few miles on one of these bikes before now, when FB put one through its paces in last year’s supernaked test, and I remember how I was left feeling that I wanted more time on it. I must be truthful: the chirping sound that comes from the blow-off valve when you close the throttle appealed to my inner child – and I’m sure it would to most petrolheads. It might be interesting as part of this Termer test to see if this novelty factor can wear off within a short space of time.

Illustration by Dan Murrell Regular Money Marketing readers might have noticed we have been on something of a simplification crusade, with the primary focus in recent years being Isas.

Andy Bell – Illustration by Dan Murrell Anyone who has heard me speak about Isas in recent years won't be surprised to hear I am deeply sceptical about chancellor Jeremy Hunt's plan to create a new British Isa.

Andy is wrapping up his time on the Kawasaki Z-H2 SE, so what are his final thoughts? Catch up on his thoughts after 2 weeks, 6 weeks, and 4 months.

The road to hell is paved with good intentions. The proposed UK Isa is a classic example of a ‘big idea’ which is founded on good intentions.

Andy Bell – Illustration by Dan Murrell Ever since a rain-sodden Rishi Sunak surprised the country (and the bookies) by announcing a summer

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As the UK government grapples with a £22bn fiscal deficit, chancellor Rachel Reeves is faced with the daunting task of filling this financial void without resorting to increases in VAT, income tax or National Insurance (NI).