Phil Spencer Phil Spencer Philip John Edward Spencer "Phil" Spencer (born 11 December 1969) is a British media personality, television presenter and journalist, best known as the co-presenter of Channel 4 property show "Location, Location, Location" along with its spin-off "Relocation, Relocation" between 2004 and 2011 alongside Kirstie Allsopp. In 2011, Phil presented the holiday programme "Vacation, Vacation, Vacation", but since 2012 has hosted property show, "" and Love It Or List It for Channel 4. Spencer was educated at Uppingham School, a co-educational independent school in the small market town of Uppingham, Rutland, in the Midlands, where he was Head Boy.
Asset location to be stronger than that for holding taxable bonds. Other commentators suggest decisions concerning the use of home equity and mortgage debt as a substitute for consumer debt have driven choice of portfolio location. An idealized example shows that over a 25-year interval, the difference between extreme asset location choices yielded a compounded 18% differential in return. Asset location Asset location (AL) is a term used in personal finance to refer to how investors distribute their investments across savings vehicles including taxable accounts, tax-exempt accounts (e.g., TFSA, Roth IRA, ISAs, TESSAs), tax-deferred accounts (e.g., Canadian RRSP, American 401(k) and IRAs,