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Consumers need financial education

Wednesday 4th May 2016

The financial crisis of 2007-2008 has had seismic ramifications on both domestic and global economies and in the UK has also resulted in significant regulatory and financial services industry activity to restore confidence, financial stability, protect consumers and prevent such carnage happening again......

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PF Blog: Household debt on the rise again – will the FPC intervene?

Friday 4th December 2015

The boom in household borrowing in the late 1990s and 2000s, which saw household debt double to £1......

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PF Blog: Why mutuality matters to financial consumers

Tuesday 17th November 2015

On 16th November Nationwide Building Society announced that Joe Garner will be taking over from Graham Beale as Chief Executive in spring 2016......

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PF Blog: House prices continue to rise – but if you are on the housing ladder, mortgages are affordable

Friday 30th October 2015

The latest figures from Nationwide Building Society show average house prices in October 2015 were 3......

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PF Blog: Is the Treasury’s NS&I destabilising the savings market?

Tuesday 22nd September 2015

This month’s news that National Savings & Investments (NS&I) had a net inflow of funds of £5......

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PF Blog: The single solution to all our biggest investment mistakes

Monday 3rd August 2015

The Express recently discussed the biggest investment mistakes and how to avoid them. The advice is largely good, but is far more complicated and effortful than investing needs to be......

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PF Blog: The Greek crisis worsens the outlook for the UK financial system

Thursday 2nd July 2015

The latest report by the Bank of England’s Financial Policy Committee identifies a range of divergent factors that are risks to the stability of the UK’s banking and financial system......

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PF Blog: Personal finance reforms presaged by the Queen’s Speech

Thursday 28th May 2015

The Queen’s Speech, delivered on May 27th, saw the Conservative Party’s pre-election plans for personal finance reform set out within the legislative programme for the new Parliament......

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PF Blog: Saving habits unchanged by new pensions freedoms

Tuesday 12th May 2015

On April 6th, restrictions on the amount of money that can be withdrawn from a pension fund and the level of guaranteed income savers have access to were lifted, revolutionising personal financial planning......

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PF Blog: Managing My Investments launch coincides with the start of the pensions revolution

Wednesday 8th April 2015

Managing My Investments (MMI) - the new MOOC produced by the True Potential PUFin Centre at the Open University - goes live on 11th May on FutureLearn......

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Personal Finance Blog: Online Open University course highlights huge concern about pensions in the UK

Thursday 26th February 2015

‘Managing My Money’, the free online course produced by the Open University’s True Potential PUFin Centre, is currently completing its second eight-week presentation on FutureLearn......

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Personal Finance Blog: Strange but true – low inflation brings the New Year blues!

Tuesday 13th January 2015

UK price inflation below 1% would have been viewed as non-credible when I  started my career in the 1970s ......

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Personal Finance Blog: Do we worry more about mortgagors than savers?

Monday 8th December 2014

The Bank of England’s latest Quarterly Bulletin (1) reports on the prospects for households with mortgages if and when interest rates start to rise......

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Personal Finance Blog: The end of big bank bail outs – good news for taxpayers, bad news for savers and borrowers?

Tuesday 11th November 2014

On November 10th the global regulator, the Financial Stability Board announced new rules intended to ensure that no bank, however large, will in the future require a bailout by the taxpayers on the basis that it is ‘too big to fail’......

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Personal Finance Blog: Goals win games – the key to successful saving

Tuesday 28th October 2014

The default retirement age, formerly 65 years of age, has been phased out and most people can now work for as long as they wish......

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Personal Finance Blog: UK firms failing the financial education needs of their staff

Wednesday 22nd October 2014

At the same time as the launch of various initiatives to help improve the public’s financial literacy – including the successful education programme of PUFin and the introduction of personal finance to the school curriculum across the UK – comes news that the UK workforce believes that their employers should do more to help them manage their money......

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Personal Finance Blog: Are savers missing out on better performing accounts?

Monday 15th September 2014

Figures from the Financial Conduct Authority (FCA) have shown that savers are missing out on better returns......

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Personal Finance Blog: Bagging a fixed-rate mortgage before interest rates rise: can you really beat the market?

Tuesday 26th August 2014

The minutes of the August meeting of the Bank of England’s Monetary Policy Committee (MPC) revealed that two its members - Ian McCafferty and Martin Weale - had voted for a rise in the official rate interest (also known as Bank Rate) from 0......

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Personal Finance Blog: The age of mobile savers

Tuesday 26th August 2014

In our recent ‘Tackling the Savings Gap’ consumer attitudes survey, we asked how people intended to purchase a new ISA and the answers highlight a shift away from high-street branches to online......

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Personal Finance Blog: Chinese students lead the way in financial literacy

Monday 4th August 2014

It has long been forecast that within years the burgeoning Chinese economy will overtake the United States as the world’s biggest economy......

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Personal Finance Blog: Savers lose out from low rates in old savings accounts

Wednesday 9th July 2014

The FCA’s interim report into the UK savings market (‘Cash market savings study’) has produced some eye-opening observations about the rates of interest paid to savers in ‘obsolete’ accounts......

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Personal Finance Blog: NISAs – a saving grace for savers?

Tuesday 17th June 2014

We have long argued that a shake-up of the current ISA system is what is needed to help curb the savings crisis we are facing......

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Personal Finance Blog: Whither the housing market – bubbling or correcting?

Thursday 5th June 2014

Nationwide Building Society – the UK’s largest – last week posted record annual profits of £924m......

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Personal Finance Blog: The Budget was good for savers… but what next?

Tuesday 3rd June 2014

The Chancellor’s latest Budget that rewarded savers and pensioners was hailed by the media as a potential election winner for the Conservatives, and rightly so......

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Personal Finance Blog: Inheritance Tax

Wednesday 5th March 2014

Pagan Osborne is a trusted partner of Macmillan Cancer Support, having joined the charity’s discounted will writing service when it launched last year......

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Personal Finance Blog: Complacency and cash ISAs

Tuesday 11th February 2014

Is it possible to offer interest rates that are consistently below the rate of inflation and still attract the desired level of investors? Unfortunately, at present, the answer seems to be yes......

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Personal Finance Blog: Financial Woes and Why Marketing Could be the Answer

Wednesday 22nd January 2014

Counting the costs: With the festivities over and the tinsel packed away, householders are counting the costs of Christmas......

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2014: The year to make saving a priority

Thursday 2nd January 2014

As we enter 2014, now’s the time when people are thinking about their New Year’s resolutions......

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Personal Finance Blog: Savers can’t rely on state support in retirement

Wednesday 18th December 2013

When George Osborne gave the details of his autumn statement at the start of December, one item attracted more press attention the most – the fact that the increase in retirement age was being brought forward......

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Personal Finance Blog: Investment, Emotions and the Temple at Delphi

Wednesday 4th December 2013

Can understanding the psychology of investment behaviour help you outperform the market? Probably not, but it can certainly help reduce the probability that you will under-perform the market......

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Chris Baguley Blog

Thursday 2nd August 2012

I’m finding that as a result of the downturn in the economy, cheaper properties are becoming easier to secure, thanks to the growing number of repossessions on offer at auction......

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Phil Whitehouse: Blog

Thursday 2nd August 2012

At last summer has arrived, but the economic outlook remains as gloomy and unpredictable as all that wet weather we had been having......

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