Football may not be competitive in sports or business terms, but the remedy – financial fair play – may be making things worse

Manchester United are tipped to take over from Real Madrid in the global financial stakes in the next two years providing they secure Champions’ League football. The Deloitte Money League suggests that United, despite last year’s disappointing seventh in the league, are making the running financially. This is as a result of selling a huge […]

22 January 2015 by John Lappin

News

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Transparency is good, but only a ban on teaser rates would radically change the savings market

The Financial Conduct Authority has investigated the world of savings accounts and found a lot wanting in terms of the behaviour of many banks and building societies. The clue’s in the name. This is a watchdog charged with ensuring that firms conduct themselves appropriately towards their customers. It has found conduct that leaves quite a […]

20 January 2015 by John Lappin

News

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Could the state pension reforms spoil the Coalition’s good record on pensions and pensioners?

The Coalition has enjoyed a very good run on pensions but could the state pension changes prove to be an Achilles heel in the coming election. A recent freedom of information request by Hargreaves Lansdown suggests that as many as half the retiring population up to 2020 may get less than what they thought as […]

14 January 2015 by John Lappin

Pensions

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Tesco’s turnaround plan is a big blow for the retirement prospects of staff. But will they understand the full implications?

The members of Tesco’s generous defined benefit AKA final salary pension scheme have really paid the price for the mismanagement of the last few years. The story was nearly lost amid praise from market commentators but was reported in FT.com last week. The FTSE 100 supermarket has won praise from investors and a big market […]

12 January 2015 by John Lappin

Pensions Retirement

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Does Neil Woodford’s view on HSBC hold lessons for the wider investing public?

Neil Woodford’s blog can’t have made happy reading for the bosses at HSBC despite what was genuine praise for their management strategy. Mr Woodford’s investors may also have been reassured that a manager, famous for sticking to his guns, is also prepared to change his mind when circumstances vary. But does his analysis have wider implications […]

4 September 2014 by John Lappin

Shares

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Taking advantage of the new pension reforms? Careful you don’t pay tax you don’t need to

A recent conversation between Mindful Money and Standard Life’s head of customer affairs Julie Hutchison saw her suggesting that the impact of income tax and pensions is becoming a lot more important and investors more aware. This will certainly be the case next year when changes to the retirement income rules, announced in the last […]

20 August 2014 by John Lappin

Retirement

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Which is better NISA or pension? That really shouldn’t be the question

So will the NISA with its new superpowered £15,000 limit eclipse the pension? Should you as an investor be investing most of your hard earned cash in the new wrapper? It certainly sounds like the NISA has much to recommend it. Towry is the latest firm to calculate just how quickly you could become a […]

2 July 2014 by John Lappin

Pensions

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The election really shouldn’t be a factor in interest rate policy at the Bank of England

No Monetary Policy Committee member is an island as the poet John Donne did not quite say. Yet the members of the Bank of England’s interest rate setting committee do not exist separate from the country in which they reside nor can they exist separately from its politics. So it follows, of course, that an […]

5 June 2014 by John Lappin

News

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Queen’s Speech notwithstanding – do we really need another species of workplace pension?

Do you fancy going Dutch for your pension? Or maybe Danish? The Queen’s Speech includes provision for the creation of Defined Ambition pensions modelled on schemes available in the Netherlands and Denmark. This type of scheme pools and invests money amongst members but crucially also pays out the pensions. The schemes would sit between the […]

4 June 2014 by John Lappin

Pensions

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Lloyds’ move to restrict income multiples on bigger loans shows a market alive to the risks of housing bubbles. But will it make a difference to booming London?

Lloyds Banking Group, the largest lender of mortgages in the UK, is making its own contribution to controlling surging London house prices as the BBC  reports. Borrowers seeking mortgages above £500,000 will not be able to borrow more than four times their  income. This is across all of Lloyds brands and so involves other important […]

20 May 2014 by John Lappin

Your Money

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