An editorial room with a long oak table and a view of a sandstone seaside street

A desk on Livingstone Road

Clarkianode is an independent writing room in Teignmouth. We publish notes on how UK interest rates reach investments that ordinary households actually hold: cash, gilts, mortgages that behave like negative bonds, and shares.

Why this desk

Started because the middle was missing

Rate coverage tends to split in two. One side is the decision-day headline, useful for ten minutes. The other side is a product page that has already decided you need a fund. The space between them is the mechanism: which contract reprices, which price already moved last Tuesday, which tax wrapper changes the arithmetic.

The desk was set up in Teignmouth so that work could be done away from a trading floor and away from a campaign calendar. The estuary is not a metaphor we lean on. It is simply where the letters are opened.

We are not authorised by the Financial Conduct Authority. We do not arrange deals in investments, manage portfolios, or give personal advice. If a sentence on this site ever sounds like it is telling you what to buy, that sentence is a mistake and we want it pointed out.

TQ14 Teignmouth desk

UK Sterling focus

A Devon coastline with red cliffs and a quiet promenade in late light

How a note gets written

A short method, so you can see what we will not skip.

Primary sources first

Bank of England decisions and Monetary Policy Reports, Debt Management Office data for gilts, and statute or HMRC guidance for tax allowances. A newspaper recap is a clue, not a citation.

No product shelf

We do not take referral fees from platforms, lenders or funds. A note that needs a worked number uses a hypothetical, labelled as one, rather than a live account that pays us.

Corrections in public

If a historical figure or a description of a contract is wrong, we would rather amend the page than defend the paragraph. Write to [email protected] with the page and the source.

The reading order, if you are new

Bank Rate, then gilts, then equities, then the household sketches. Each one assumes you might stop and go to a primary source. That is a success, not a lost reader.

Begin with Bank Rate Contact

Colleagues comparing printed notes in daylight