Janjuah is a credit strategist at RBS. One of the few who actually predicted this mess. This is a superb read (assuming you can overlook the child-like writing skills) – his outlook is not positive:
Mr. Roche is the Founder and Chief Investment Officer of Discipline Funds.Discipline Funds is a low fee financial advisory firm with a focus on helping people be more disciplined with their finances.
He is also the author of Pragmatic Capitalism: What Every Investor Needs to Understand About Money and Finance, Understanding the Modern Monetary System and Understanding Modern Portfolio Construction.