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	<title>Martin's Blog...</title>
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	<link>http://blog.moneysavingexpert.com</link>
	<description>Blog of Martin Lewis - MoneySavingExpert</description>
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			<item>
		<title>New consumer advocate &#8230;  sounds like all puff, no pastry to me</title>
		<link>http://blog.moneysavingexpert.com/2009/07/02/new-consumer-advocate-sounds-like-all-puff-no-pastry-to-me/</link>
		<comments>http://blog.moneysavingexpert.com/2009/07/02/new-consumer-advocate-sounds-like-all-puff-no-pastry-to-me/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 10:25:08 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/?p=807</guid>
		<description><![CDATA[After opening my in-box to a number of e-mails about it, I&#8217;ve just read an article in the Guardian about the proposed new consumer advocate the government wants to appoint. 
Most were people asking “is it you?”, “are you going to do it?”  Well no. It’s the first I’ve heard of it. If there [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/07/02/new-consumer-advocate-sounds-like-all-puff-no-pastry-to-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Will killing commission kill financial advice?</title>
		<link>http://blog.moneysavingexpert.com/2009/06/30/will-killing-commission-kill-financial-advice/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/30/will-killing-commission-kill-financial-advice/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 09:44:58 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/?p=800</guid>
		<description><![CDATA[There’s a worrying possibility that the FSA is about to kill off independent financial advice in the UK for all but the wealthy. I do hope I’m wrong.
It’s just confirmed plans of its Retail Distribution Review which, in a nutshell, means from 2012 Independent Financial Advisers will have to charge a fee rather than simply [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/30/will-killing-commission-kill-financial-advice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>When is misselling mis-consuming? Can you be missold every month for 10 years?</title>
		<link>http://blog.moneysavingexpert.com/2009/06/29/when-is-misselling-mis-consuming-can-you-be-missold-every-month-for-10-years/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/29/when-is-misselling-mis-consuming-can-you-be-missold-every-month-for-10-years/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 16:30:12 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/?p=795</guid>
		<description><![CDATA[This is quite a staggering story &#8211; I’d love to know where your sympathies lie!
A friend texted to say he was outraged with his bank, and could I help. Normally I tend to say check the website, but he said this one was different, so I asked him to send me a brief email.
His complaint.
Since [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/29/when-is-misselling-mis-consuming-can-you-be-missold-every-month-for-10-years/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Do the law lords declare an interest?</title>
		<link>http://blog.moneysavingexpert.com/2009/06/29/do-the-law-lords-declare-an-interest/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/29/do-the-law-lords-declare-an-interest/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 09:59:08 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/?p=792</guid>
		<description><![CDATA[A bit of lawyer humour on bank charges&#8230; spotted in the New Law journal “Civil Way” column.

Comment and discuss
]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/29/do-the-law-lords-declare-an-interest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Savings fountain HSBC&#8230; nifty idea&#8230; shame about the products</title>
		<link>http://blog.moneysavingexpert.com/2009/06/23/savings-fountain-hsbc-nifty-idea-shame-about-the-products/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/23/savings-fountain-hsbc-nifty-idea-shame-about-the-products/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 10:02:00 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/23/savings-fountain-hsbc-nifty-idea-shame-about-the-products/</guid>
		<description><![CDATA[One kind MoneySaver popped me an email to suggest that HSBC was now using our Savings Fountain concept in its adverts. 
The fountain idea is simple: as the highest paying after-tax savings products such as cash-ISAs or regular savers allow different amounts in them, it&#8217;s all about filling up the top product then letting the [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/23/savings-fountain-hsbc-nifty-idea-shame-about-the-products/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Why Martin Lewis’ is correct grammar!</title>
		<link>http://blog.moneysavingexpert.com/2009/06/19/why-martin-lewis%e2%80%99-is-correct-grammar/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/19/why-martin-lewis%e2%80%99-is-correct-grammar/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 12:50:52 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/19/why-martin-lewis%e2%80%99-is-correct-grammar/</guid>
		<description><![CDATA[It staggers me quite how many grammar fiends take the time to e-mail about the apostrophe in ‘Martin Lewis’ MoneySavingExpert.com’ in the site logo, arguing it should be ‘Martin Lewis’s’.   
So it’s time to blog on it, so we can simply link here every time we get a complaint. While you may not [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/19/why-martin-lewis%e2%80%99-is-correct-grammar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How do you buy British in banking?</title>
		<link>http://blog.moneysavingexpert.com/2009/06/15/how-do-you-buy-british-in-banking/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/15/how-do-you-buy-british-in-banking/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 09:30:51 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/15/how-do-you-buy-british-in-banking/</guid>
		<description><![CDATA[Following on from my last blog about Is ICICI an Indian bank?, I was interested to read the forum discussion. There Fudge 1977 was one of many to voice the following sentiment:
&#8220;With the push to &#8216;buy British&#8217;, maybe you could just highlight British owned banks when referencing them. 
I&#8217;m buying british where I can do [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/15/how-do-you-buy-british-in-banking/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The best worst shop slogan&#8230; can you beat TK Maxx?</title>
		<link>http://blog.moneysavingexpert.com/2009/06/15/the-best-worst-shop-slogan-can-you-beat-tk-maxx/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/15/the-best-worst-shop-slogan-can-you-beat-tk-maxx/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 09:22:05 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/15/the-best-worst-shop-slogan-can-you-beat-tk-maxx/</guid>
		<description><![CDATA[I’ve just spotted the most terrible promise in a shop window and wonder if you can beat it&#8230;
In the Money Diet, I write through a large explanation of what different shop slogans actually mean, but the following really is absolutely meaningless&#8230;
In TK Maxx shop window
“Always up to 60% less”
Lets just examine the words:

60% less than [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/15/the-best-worst-shop-slogan-can-you-beat-tk-maxx/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Is ICICI an Indian Bank&#8230; do xenophobic overtones hurt its custom</title>
		<link>http://blog.moneysavingexpert.com/2009/06/11/is-icici-an-indian-bank-do-xenophobic-overtones-hurt-its-custom/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/11/is-icici-an-indian-bank-do-xenophobic-overtones-hurt-its-custom/#comments</comments>
		<pubDate>Thu, 11 Jun 2009 14:28:57 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/11/is-icici-an-indian-bank-do-xenophobic-overtones-hurt-its-custom/</guid>
		<description><![CDATA[ICICI is a massive Indian bank, but on this site we’re only ever referring to its fully UK owned and regulated UK savings subsidiary that has exactly the same protection as any other UK savings institution (see savings safety).  Yet this is what I wrote in this week’s e-mail&#8230;
New  top fixed savings. Lock-in [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/11/is-icici-an-indian-bank-do-xenophobic-overtones-hurt-its-custom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>The new MSE weather prediction service</title>
		<link>http://blog.moneysavingexpert.com/2009/06/08/the-new-mse-weather-prediction-service/</link>
		<comments>http://blog.moneysavingexpert.com/2009/06/08/the-new-mse-weather-prediction-service/#comments</comments>
		<pubDate>Mon, 08 Jun 2009 09:21:00 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/06/08/the-new-mse-weather-prediction-service/</guid>
		<description><![CDATA[Having just been away in the sun for a few days, I’ve discovered MoneySavingExpert.com has a bespoke new service for nerds, which even I hadn’t been told about. Quite remarkably, the site can now predict British Weather. 
I first noticed the phenomena a couple of weeks ago, when between 1,200 and 1,700 people joined the [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/06/08/the-new-mse-weather-prediction-service/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Can we cope with the base rate rising?</title>
		<link>http://blog.moneysavingexpert.com/2009/05/26/can-we-cope-with-the-base-rate-rising/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/26/can-we-cope-with-the-base-rate-rising/#comments</comments>
		<pubDate>Tue, 26 May 2009 10:42:34 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/26/can-we-cope-with-the-base-rate-rising/</guid>
		<description><![CDATA[Two months and no base rate cut. Not surprising I suppose as now we’re at 0.5% there’s not exactly anywhere for rates to go. Yet it&#8217;s the long term that’s more concerning, as we adapt to this low interest rate, low inflation (or even deflationary) environment, the shock once rates return even just back to [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/26/can-we-cope-with-the-base-rate-rising/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Who&#8217;s Who Recreation Section&#8230; what would you put?</title>
		<link>http://blog.moneysavingexpert.com/2009/05/26/whos-who-recreation-section-what-would-you-put/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/26/whos-who-recreation-section-what-would-you-put/#comments</comments>
		<pubDate>Tue, 26 May 2009 10:22:42 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/26/whos-who-recreation-section-what-would-you-put/</guid>
		<description><![CDATA[For the first time I received a Who’s Who entry form the other day, which is quite cool, and as it&#8217;s free I thought&#8230; why not. 
Then I answered my own question&#8230; because filling in the form is more difficult than you might think. What’s my job title, is it just “Money Saving Expert” or [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/26/whos-who-recreation-section-what-would-you-put/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Steal Pepsi Max: promoting theft of their own product.</title>
		<link>http://blog.moneysavingexpert.com/2009/05/18/steal-pepsi-max-promoting-theft-of-their-own-product/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/18/steal-pepsi-max-promoting-theft-of-their-own-product/#comments</comments>
		<pubDate>Mon, 18 May 2009 09:42:55 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/18/steal-pepsi-max-promoting-theft-of-their-own-product/</guid>
		<description><![CDATA[I saw the new Pepsi Max TV ad last night , and was slightly bemused. The ‘Pepsi Max guys’ are at a cricket match. In a chiller box the steward has a raft of Pepsi Max cans. A streaker runs on the pitch, the steward chases her, and when he returns the Pepsi Max has [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/18/steal-pepsi-max-promoting-theft-of-their-own-product/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Pine nuts: strange taste warning&#8230;</title>
		<link>http://blog.moneysavingexpert.com/2009/05/18/pine-nuts-%e2%80%93-strange-taste-warning/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/18/pine-nuts-%e2%80%93-strange-taste-warning/#comments</comments>
		<pubDate>Mon, 18 May 2009 09:32:44 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/18/pine-nuts-%e2%80%93-strange-taste-warning/</guid>
		<description><![CDATA[This is perhaps the most bizarre blog I’ve ever written. Yet I thought I should warn people about pine nuts. For the last five days I’ve been complaining about a strange after-taste when I eat anything; it&#8217;s almost but not quite metallic.
Having had a filling a couple of weeks ago I thought it might be [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/18/pine-nuts-%e2%80%93-strange-taste-warning/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Pulling out of Govt&#8217;s Student finance day because of student loan fiasco</title>
		<link>http://blog.moneysavingexpert.com/2009/05/14/pulling-out-of-govt%e2%80%99s-student-finance-day-because-of-student-loan-fiasco/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/14/pulling-out-of-govt%e2%80%99s-student-finance-day-because-of-student-loan-fiasco/#comments</comments>
		<pubDate>Thu, 14 May 2009 16:58:03 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/14/pulling-out-of-govt%e2%80%99s-student-finance-day-because-of-student-loan-fiasco/</guid>
		<description><![CDATA[As a big supporter of access to education, each year I do an unpaid radio morning in conjunction with the government to explain how student finance works, as there are so many myths and misunderstandings (the parents&#8217; guide to student finance we do each year is part of this).   
By bad fate this [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/14/pulling-out-of-govt%e2%80%99s-student-finance-day-because-of-student-loan-fiasco/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Dear Gordon, why no response on Bank Charges?</title>
		<link>http://blog.moneysavingexpert.com/2009/05/08/dear-gordon-why-no-response-on-bank-charges/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/08/dear-gordon-why-no-response-on-bank-charges/#comments</comments>
		<pubDate>Fri, 08 May 2009 10:40:36 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/08/dear-gordon-why-no-response-on-bank-charges/</guid>
		<description><![CDATA[While checking out how the savers&#8217; rights petition was doing on the number 10 website, I clicked the closed polls section.  In there, the tenth biggest ever poll on the site with 70,000 plus signatures is the Bank Charges Consumer Charter.
Scanning the polls above it, every single one of them has (with response) next [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/08/dear-gordon-why-no-response-on-bank-charges/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Apparently my Stiffies was cut!</title>
		<link>http://blog.moneysavingexpert.com/2009/05/07/apparently-my-stiffies-was-cut/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/07/apparently-my-stiffies-was-cut/#comments</comments>
		<pubDate>Thu, 07 May 2009 11:07:50 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/07/apparently-my-stiffies-was-cut/</guid>
		<description><![CDATA[I’ve been appearing in dictionary corner on Countdown this week.  The shows were actually recorded back in March.  As you can see from my blog at the time, Doing Countdown and getting a rude word to boot, I had a fun time.
It was yesterday&#8217;s (Wed) episode that was supposed to contain the rude [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/07/apparently-my-stiffies-was-cut/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Fawlty Towers: Uncle Terry wants a Gin &amp; Tonic</title>
		<link>http://blog.moneysavingexpert.com/2009/05/05/fawlty-towers-uncle-terry-wants-a-gin-tonic/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/05/fawlty-towers-uncle-terry-wants-a-gin-tonic/#comments</comments>
		<pubDate>Tue, 05 May 2009 11:11:29 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/05/fawlty-towers-uncle-terry-wants-a-gin-tonic/</guid>
		<description><![CDATA[Quite a strange experience tonight. Watching Fawlty towers and up pops the MSFs Uncle Terry (Terence Conoley).  I always knew he’d been in it but until tonight had never seen him.  
He’s actually in two episodes.  The first was the very first Fawlty Towers “A Touch Of Class” where he constantly demands [...]]]></description>
		<wfw:commentRss>http://blog.moneysavingexpert.com/2009/05/05/fawlty-towers-uncle-terry-wants-a-gin-tonic/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How credit ratings work: coming full circle.</title>
		<link>http://blog.moneysavingexpert.com/2009/05/05/how-credit-ratings-work-coming-full-circle/</link>
		<comments>http://blog.moneysavingexpert.com/2009/05/05/how-credit-ratings-work-coming-full-circle/#comments</comments>
		<pubDate>Tue, 05 May 2009 10:12:35 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/05/05/how-credit-ratings-work-coming-full-circle/</guid>
		<description><![CDATA[I’m just finishing work on an ITV1 Tonight for Friday 8 May on credit ratings on how they work and how to boost them. As always when filming a detailed programme like this I learn new useful titbits which I can add to the guide (see credit ratings).
Each time though, it tends to be something [...]]]></description>
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		<title>Ugh! Terrible slip.  BT free line installation not line rental. Choking isn’t good!</title>
		<link>http://blog.moneysavingexpert.com/2009/04/30/ugh-terrible-slip-bt-free-line-installation-not-line-rental-choking-isn%e2%80%99t-good/</link>
		<comments>http://blog.moneysavingexpert.com/2009/04/30/ugh-terrible-slip-bt-free-line-installation-not-line-rental-choking-isn%e2%80%99t-good/#comments</comments>
		<pubDate>Thu, 30 Apr 2009 13:40:16 +0000</pubDate>
		<dc:creator>Martin Lewis</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.moneysavingexpert.com/2009/04/30/ugh-terrible-slip-bt-free-line-installation-not-line-rental-choking-isn%e2%80%99t-good/</guid>
		<description><![CDATA[On my GMTV Lorraine slot this morning, I was talking about BT’s free line installation deal (see free BT installation note). It’s a rare chance to avoid the usual £122.50 cost. 
I’ve just had one of those calls &#8230; the producer rang to say “can I just check, at the end of the piece, you [...]]]></description>
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