Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #7741
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    Follow Real_CAG on Twitter
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    Default Re: The great interest rate rip off part 10



    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
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  2. #7742
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    Default Re: The great interest rate rip off part 10






    The UK's longest flight just got longer

    Qantas website understates length of non-stop flight from Heathrow to Perth by an hour





    Manufacturing output hits three-year high in April









    Liberty House creates 300 jobs after takeover of Tata Steel division

    Jobs will also be protected at three major sites in Rotherham, Stocksbridge and Brinsworth in South Yorkshireicon, as well as at some smaller sites in the West Midlands and in China






    Alitalia to file for administration as turnaround plan fails






    Ocado shares jump on hopes of M&S home delivery partnership






    Tump boosts Twitter but revival rests on deals with mainstream media

    The social media company would love it if more leaders did what Trump does with its service, but running a country is too big a job to be spending all hours tweeting, something that appears to have affected the President’s Twitter habits








    Princess Charlotte's John Lewis jumper from birthday photo sells out

    In the snapshot, the young royal is wearing the cardigan and sporting a navy clip in her hair






    Greece reaches long-awaited deal with creditors on bailout reforms

    The terms include another round of pension cuts in 2019 and a commitment to maintain a high primary budget surplus








    BP reports higher earnings, helped by recovery in oil prices

    This time last year, BP reporting an 80 per cent drop in profits in the first quarter, having posted its biggest annual loss for 2015 ever






    Donald Trump 'actively considering' breaking up Wall Street banks

    Trump has called for a ‘21st century’ version of the 1933 Glass-Steagall law that required the separation of consumer and investment banking





    Thousands of car finance payments 'could be hit by economic downturn'





    Brexit deal 'won’t be worth it' if firms can't recruit






    Proportion of female high earners unchanged in six years

    Only one in four people earning between £43,000 and £150,000 in each of the last six financial years were women








    Bank of mum and dad to finance a quarter of mortgage payments in 2017

    Parents will lend £6.7bn this year, up from £5bn in 2016, providing deposits for over 298,000 mortgages and purchasing homes worth £75bn






    The top 10 richest husbands and wives in the UK have been revealed

    Cumulatively, the 10 richest husbands and wives in the UK have seen their fortune increase by £3.4bn in the past 12 months







    Trump's Commerce secretary contradicts him on jobs and China

    Trump had insisted that he could use trade negotiations as leverage to get China to handle North Korea





    Fox News co-president Bill Shine out amid growing exodus at network





    A classic Cadbury chocolate bar is making its long awaited comeback






    Avocados just got a lot more expensive

    Mexico is the major supplier for avocados into the US but shipments from there have fallen in recent weeks and are expected to drop even further







    Dubai has become the first city to get its own font

    Dubai claims the font is a new global medium for 'self-expression'





    Amazon founder could beat Bill Gates to become first trillionaire





    Dyslexia is a sign of potential, says Richard Branson






    How online marketplace Etsy is supporting female entrepreneurs

    Women are being inspired to become online entrepreneurs by Etsy, the marketplace whose sellers are 86% female, almost half with children








    Advance Virgin Trains tickets available to buy on the day

    But fares expert says the concept infringes the rights of Anytime ticket holders





    Trump's first 100 days: The economy





    'Britain doesn't need Romanian fruit pickers', says Lord Lawson






    Sir Martin Sorrell sees pay slashed by £22m

    WPP has paid Mr Sorrell £210m since 2012 as part of a controversial five-year long-term incentive plan







    Here's what 24 of the most popular brand names really mean

    You're wearing your favorite Nike sneakers and Lululemon pants when you head to the mall to do some shopping at the Gap. On your way there you grab a latte at Starbucks.







    People say money is disappearing out of their Natwest accounts

    Transfers are leaving people's accounts but not appearing on the other side, people say







    Uber demotes senior executive at centre of the Waymo lawsuit

    Waymo, a sister company of Google working on autonomous vehicles, alleged that Mr Levandowki stole its lidar designs when he was employed there






    Natwest's internet banking stops working on payday

    Users have reported being put in long queues if they attempt to get through on the phone

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
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  3. #7743
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    Follow Real_CAG on Twitter
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    Default Re: The great interest rate rip off part 10

    FTSE rises, with BP gaining as earnings come into focus

    Britain's top share index rose on Tuesday, with well-received results from heavyweight BP helping to underpin gains in a positive start to the first trading day of the month.
    6:33pm BST

    UK manufacturing growth spikes to three-year high in April - PMI

    British factories had their best month in three years in April, the clearest sign yet that manufacturers are enjoying at least a temporary boost from the pound's fall after the Brexit vote and an improving global economy, a survey showed on Tuesday.
    12:29pm BST

    Barclaysicon CEO Staley in dispute with KKR over soured deal: WSJ

    Barclays Chief Executive Jes Staley is involved in a dispute with private equity firm KKR & Co , which is a client of the bank, the Wall Street Journal reported on Tuesday.
    6:04pm BST

    ECB's Nouy worried about 'race' to lure UK banks after Brexit

    The European Central Bank is worried about a "race" among European Union countries to ease supervisory standards in order to attract UK banks seeking access to the market after Britain leaves the EU, its top watchdog said on Tuesday.
    7:32pm BST

    Exclusive - Akzo sees latest PPG bid inadequate, weighs options: sources

    Dutch paint maker Akzo Nobel NV's supervisory board is scheduled to meet on Tuesday to discuss how to proceed after deeming PPG Industries Inc's latest $29 billion (£22.4 billion) offer to be insufficient, people familiar with the matter said.
    6:12pm BST

    BP's profit triples on higher oil prices and output

    BP's profit nearly tripled in the first quarter of 2017 from a year earlier, buoyed by rising oil prices and production that hit a five-year high, while debt piled up in order to pay for acquisitions and costs for the 2010 Gulf of Mexico spill.
    3:43pm BST

    Le Pen says capital controls an option during Frexit talks if she wins election

    Far-right presidential challenger Marine Le Pen said capital controls could be used if she won the election and there was a run on banks as she negotiated France's exit from the European Union, but stressed they were unlikely to be needed.
    7:29pm BST

    Shareholders at UK builder Bovis approve new boss' pay deal

    Shareholders at British builder Bovis overwhelmingly backed a pay deal for the firm's new boss who is charged with turning around the ailing firm which was subject to two failed takeover bids after it issued a profit warning.
    4:34pm BST

    Pledging more austerity, Greece cuts deal with lenders

    Promising to cut pensions and give taxpayers fewer breaks, Greece has paved the way for the disbursement of further rescue funds from international lenders and possibly opened the door to reworking its massive debt.
    7:17pm BST

    Alitalia kicks off bankruptcyicon proceedings, government grants loan

    Alitalia filed to be put under special administration for the second time in less than a decade, starting a process that will lead to the loss-making Italian airline being overhauled, sold off or wound up.

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
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  4. #7744
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    Posts : 35,444 (9.27 post per day)

    Default Re: The great interest rate rip off part 10

    Microsoft Looks to Regain Lost Ground in the Classroom

    By NICK WINGFIELD and NATASHA SINGER 11:24 AM ET


    Google, with its low-cost and easily maintained Chromebooks, has steadily taken school customers away from Microsoft.




    José Sarmento Matos for The New York Times


    London Tabloids, Champions of ‘Brexit,’ Loom Large

    By KATRIN BENNHOLD

    Despite their falling circulations and tarnished reputations, tabloids maintain a striking grip on power as Britain prepares to cut ties with the European Union.












    Infosys, an Indian Outsourcing Company, Says It Will Create 10,000 U.S. Jobs

    By PAUL MOZUR

    The company’s pledge, light on details, follows big promises by other Asian employers to create American jobs in the era of President Trump.


    TV Station Owners Rush to Seize on Relaxed F.C.C. Rules

    By MICHAEL J. de la MERCED and CECILIA KANG

    A vote by the Federal Communications Commission last week sets the stage for the consolidation of local television stations in a deal-making frenzy.


    Alitalia Files for bankruptcy, but Italy Balks at a Third Bailout

    By LIZ ALDERMAN 1:24 PM ET

    The latest drama over one of Italy’s most visible industrial symbols has plunged the chaotic political and economic environment into further uncertainty.


    Greece Agrees to Tighten Belt Again in Return for Further Bailout Funds

    By NIKI KITSANTONIS

    The preliminary deal with international creditors would allow Athens to receive emergency funds in exchange for promises of higher taxes and lower social spending.


    N.S.A., Reined In, Still Collected 151 Million Phone Records in ’16

    By CHARLIE SAVAGE 2:01 PM ET

    A system created by Congress in 2015 to curtail a once-secret N.S.A. program also took in a large amount of communications data, a new report showed.


    Hollywood Writers and Studios, Scrambling to Avert Strike, Reach Last-Minute Deal

    By BROOKS BARNES

    In overtime negotiations, the Writers Guild of America and entertainment companies reached a tentative deal for a new three-year contract.


    Ivanka Trump’s West Wing Agenda

    By JODI KANTOR, RACHEL ABRAMS and MAGGIE HABERMAN

    The first daughter has the president’s trust and a widening portfolio. So what will she do with it?


    Trump Administration’s Push for Gas Exports Faces Market Glut

    By CLIFFORD KRAUSS

    Efforts to ramp up shipments could be complicated by a renegotiation of the North American Free Trade Agreement.


    With Fox News in Tumult, Another Executive, Bill Shine, Is Ousted

    By MICHAEL M. GRYNBAUM and EMILY STEEL

    The removal of a co-president, a holdover from the Roger Ailes era, continued a housecleaning prompted by a sexual harassment scandal.


    Diana Falzone of Fox News Files Discrimination Lawsuit

    By JONAH ENGEL BROMWICH

    The contributor said she was banned from more work after disclosing her health issues in an op-ed column for the network’s website.


    AllianceBernstein Ousts C.E.O. and Shakes Up Board

    By LANDON THOMAS Jr.

    The reshuffling comes as investors increasingly abandon active money managers in favor of less expensive exchange-traded funds.


    Fyre Festival Organizers Face Fraud Lawsuit After Cancellation

    By BEN SISARIO and JOE COSCARELLI

    A celebrity lawyer representing a ticket buyer filed suit after a luxury musical weekend in the Bahamas fell apart. Organizers said, “We were simply in over our heads.”


    Airbnb Settles Lawsuit With Its Hometown, San Francisco

    By KATIE BENNER

    The company agreed to the city’s demand for more information about its hosts, ending one of its most pressing regulatory fights.

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
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  5. #7745
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    Default Re: The great interest rate rip off part 10

    Business Live: Pound climbs to $1.29





    Sterling rises after strong manufacturing growth figures; US airline bosses under fire.








    Alitalia slides into administration

    The airline says flightsicon will continue as planned while administrators see if the firm can be saved.


    Related content






    Parents '10th biggest mortgageicon lender'

    Parents will lend £6.5bn this year, says L&G, and be involved in 26% of all UK property transactions.


    Related content




    Manufacturing growth 'at three-year high'



    Liberty House creates 300 steel jobs



    US airlines face heat in Washington






    Preliminary deal struck on Greek bailout



    Higher oil prices boost BP profits



    Facebook denies targeting insecure users



    Ocado shares boosted by M&S deal report



    Japan recall for 3.7m bottles of Volvic



    US screenwriters' strike averted





    Also in the News



    What is going on at Fox News?





    Turkish authorities block Wikipedia

    • 29 April 2017
    • From the section Europe




    Features & Analysis



    Smart doggy

    The booming business of pet technology





    Battery bonanza

    From frogs' legs to mobiles and electric cars





    Mr Fixer

    The man who can arrange anything







    On the buses

    All change for one UK city's deregulated bus system?





    Hero's legacy

    Using the Ayrton Senna brand to change lives
    • 30 April 2017
    • From the section Business





    Trumponomics quiz

    How much do you know about Donald Trump's first 100 days?
    • 28 April 2017
    • From the section Business






    Our Experts

    Hammond’s tax burden headache

    The Chancellor says he wants to cut the “burden” of tax. But with that burden set to rise, he knows any specific pledge could set a myriad of traps
    2 May 2017

    Kamal Ahmed Economics editor
    Barclaysicon shareholders rally behind beleaguered boss

    Getting rid of Jes Staley would be bad for Barclays and bad for UK banking.
    28 April 2017

    Simon Jack Business editor
    Brexit not deterring Asian investors from UK property market

    Despite uncertainty caused by the Brexit process Asian investors are still keen to buy UK property.

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0

  6. #7746
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    Follow Real_CAG on Twitter
    Cagger since : May 2007
    Posts : 35,444 (9.27 post per day)

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0

  7. #7747
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    Follow Real_CAG on Twitter
    Cagger since : May 2007
    Posts : 35,444 (9.27 post per day)

    Default Re: The great interest rate rip off part 10





    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0

  8. #7748
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    Follow Real_CAG on Twitter
    Cagger since : May 2007
    Posts : 35,444 (9.27 post per day)

    Default Re: The great interest rate rip off part 10





    • Explainer

    Labour is considering a land value tax. Here's what that means

    For residential property, home owners would probably pay a tax based on the value of the house. Firms would pay a tax based on the value of the business premises, including the land





    UK inflation increases unexpectedly to 2.7% in April





    Business groups call Labour manifesto unrealistic and 'knee-jerk'








    McDonald's forced to remove 'disgusting' advert after complaints





    • comment

    Why not enough is being done to tackle bank fraud






    Tesco to use 100% renewable electricity this year in UK





    • Comment

    Prices rising faster than wages and this is just a Brexit downpayment








    Yorkshire workers are the happiest in the UK, research reveals






    There's a shortage of Brazilian nuts





    IndyVenture






    Japan's SoftBank invests $500m in UK tech startup Improbable





    Small and medium-sized businesses start to feel the pinch of inflation







    Poor telecoms services stop four million employees from home working





    Women still much less likely to start a business than men




    more headlines





    McDonald's forced to apologise for 'disgusting' TV advert





    Train strikes: Southern, Merseyrail and Northern face fresh stoppages





    Lloyds ‘free of Government ownership’ for first time since 2008





    vodafone: Is a better future on the way for customers and investors?





    How will the devices ban affect the travel industry?





    Microsoft donates £5m to UN to prevent human rights abuses







    McDonald's is now serving curly fries

    The company has over the last two years experimented with different products and made changes to how it serves and sources food





    Lyft partners with Google's Waymo to launch self-driving cars





    Top fund manager to get rid of all fossil fuel company shares






    UK workers should brace for higher unemployment and falling real pay

    Consumer spending growth slowed sharply in April - a trend which will begin to feed into weaker demand for workers and cause employment to fall, the EY ITEM Club predicts








    Amazon loophole means buyers can get a refund without returning item

    The rule demonstrates the online retailer's power compared to that of small independent businesses, who wouldn’t be able to afford such a policy





    Almost half of EU businesses looking to cut ties with UK suppliers





    Microsoft says ransomware hack a ‘wake-up call’ for world governments






    A View from the Top: Daniel Hodson, chairman of The City for Britain

    After the Brexit vote, rather than gloat, Hodson called a truce and set up the Forum to bring together practitioners of all views – not the easiest task, considering the bitter infighting







    Student suing GSK because 'medication caused her skin to burn off'

    Ms Shaw says the syndrome left her skin scarred and she is slowly losing her vision







    Amazon gives half of new office to provide shelter for homeless

    The new space in Seattle will be used by the Mary’s Place charity and provide 65 rooms and shelter more than 200 homeless women children and families each night







    UK industrial output shrinks for third month in a row as Brexit bites

    Output fell by a monthly 0.5 per cent – a sharper decline than expected by economists taking part in a Reuters poll – and output in February was revised lower






    Plans to increase the minimum wage 'could put jobs in danger'

    The tax and spending thinkthank said both parties' policies could penalise the group they are supposed to help the most

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0

  9. #7749
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    Follow Real_CAG on Twitter
    Cagger since : May 2007
    Posts : 35,444 (9.27 post per day)

    Default Re: The great interest rate rip off part 10

    A Whistle-Blower Tells of Health Insurers Bilking Medicare

    By MARY WILLIAMS WALSH


    A former executive at UnitedHealth says he was paid bonuses to make patients look sicker than they were, which led to bigger reimbursements.




    Travis Dove for The New York Times


    Itineraries

    Investing in Tech to Tackle an Awful Annoyance: Lost Luggage

    By MARTHA C. WHITE

    The number of stray bags is lower than ever, attributable both to new technology and charges for checking luggage, but there’s room for improvement.





    In Computer Attacks, Clues Point to Frequent Culprit: North Korea

    By NICOLE PERLROTH and DAVID E. SANGER

    Indicators are far from conclusive, but intelligence officials and private security experts say that North Korean-linked hackers are likely suspects in global ransomware attacks.


    In Ransomware Attack, Where Does Microsoft’s Responsibility Lie?

    By NICK WINGFIELD

    For years, the company has tried to change the perception that its software was vulnerable to hackers. A global cyberattack renewed those issues.




    The Fallout From a Global Cyberattack: ‘A Battle We’re Fighting Every Day’

    By STEVE LOHR and LIZ ALDERMAN

    Two prestigious Chinese universities, a movie theater chain in South Korea and Japanese automakers were affected, but copycat variants did not seem to have materialized.

    Tech Fix


    How to Protect Yourself From Ransomware Attacks

    By BRIAN X. CHEN

    Some tips from computer security experts.










    Facebook Gets Slap on the Wrist From 2 European Privacy Regulators

    By MARK SCOTT

    Data protection watchdogs in France and the Netherlands ruled that the social network had collected too much information on users in those countries.


    Hyundai Whistle-Blower, in Rarity for South Korea, Prompts Recall

    By JEYUP S. KWAAK

    A victory for a worker who accused the automaker of hiding defects could help efforts to extend protections for insiders claiming problems or wrongdoing.


    Ruling on E.U. Trade Deals Retains a Hurdle for ‘Brexit’ Talks

    By PRASHANT S. RAO

    The European Union’s highest court has affirmed that some aspects of trade agreements need to be ratified by all the bloc’s national parliaments.


    Thailand Warns Facebook After Video Seems to Show King in Crop Top

    By MIKE IVES and PAUL MOZUR

    The government was demanding the removal of dozens of pages that it said had illegally insulted the monarchy a few weeks after the video was widely shared online.


    After Leaving Google, Bill Maris Is Set to Open New Fund

    By MICHAEL J. de la MERCED 10:00 AM ET

    The venture capital fund, Section 32, with $150 million under management, will invest in a broad array of sectors.


    Uber Engineer Barred From Work on Key Self-Driving Technology, Judge Says

    By MIKE ISAAC

    Uber sidestepped a full shutdown of its self-driving car efforts when a judge stopped short of issuing a temporary injunction against the company’s autonomous vehicle program.

    On the Runway


    Chanel’s Boomerang Comes Back to Hit It

    By VANESSA FRIEDMAN 10:30 AM ET

    The French brand is the latest company to be called out on social media for cultural appropriationicon. Is this the new normal?


    Web Defenders Detect Russian Hand in Iranians’ Hacking Attempt

    By NICOLE PERLROTH

    While foiling an attack on a military contractor, investigators watched Iranians use a tool that had also been deployed to compromise Ukraine’s power grid.

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0

  10. #7750
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    Follow Real_CAG on Twitter
    Cagger since : May 2007
    Posts : 35,444 (9.27 post per day)

    Default Re: The great interest rate rip off part 10

    Lloyds set to return to private sector





    The government is expected to confirm the sale of its remaining 0.25% stake in Lloyds on Wednesday.


    Related content







    Tata Steel offers £550m to pension fund

    The future of the British Steel pension scheme is still uncertain despite Tata's offer of cash and assets.


    Related content






    Live vodafoneicon helps FTSE to record high

    London's FTSE 100 hits a new record above 7,500 points, helped by a solid rise for vodafoneicon.


    Related content




    FTSE closes above 7,500 for first time



    Vanguard move sparks investment price war



    Twitter co-founder Biz Stone to rejoin firm






    Sales growth grinds to a halt for TK Maxx



    UK house prices shift to lower gear

    • 16 May 2017
    • From the section Business
    • comments


    UK inflation rate at highest since 2013

    • 16 May 2017
    • From the section Business
    • comments


    Manchester United reports £3.8m loss



    Ford 'set to shed 10% of workforce'



    Fresh rail strikes announced

    • 16 May 2017
    • From the section England




    Also in the News



    Chanel's $1,500 boomerang backfires





    Hackers threaten to leak Disney film





    Features & Analysis



    Gene genie

    Do DNA-testing kits hold the secret to a healthier life?





    Shining armour

    The boss who lives as a medieval knight





    Cyber-attack

    Is my computer at risk?







    TV dinners

    The hidden cost of the processed food revolution





    Battle ground

    Six reasons politicians always row over tax





    Office sauna

    How some companies are taking the sweat out of work






    Our Experts

    Pay will continue to be squeezed, employers' survey suggests

    The latest employers' survey reveals that firms are planning for yet another fall in pay rises.
    15 May 2017

    Kamal Ahmed Economics editor
    Lloyd's settles taxpayer tab

    The government sold its last shares today, nine years after it sank a total of £20bn into the beleagured lender in the depths of the financial crisis.
    16 May 2017

    Simon Jack Business editor
    S Korea election: Why the economy is top priority

    For all the talk of North Korea and anti-missile systems, a less sensational subject concerns most voters.

    If DEBT is the problem REPAYMENT is the solution

    Debt revenue doesn't equal tax revenue

    I will pay for my own stupidity but not for the stupidity of others.

    Remember, profits are privatised, losses are socialised.
    That's the 21-century Free Market.
    Follows
    0
    Following
    0


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