Fancy a smile or a tear?

Good news isn’t that easy to find these days, so I thought you may enjoy reading a post of pure joy in the Forum. A year ago, a very regular poster’s daughter had to undergo serious brain surgery. It was a difficult time, but the community of friends she’d built here gathered round and did what it...

Student Loan Interest Rate. Is Govt Delay over decision based on “how much will it cost”?

The Student Loans Company’s rates change in September based on March’s RPI; if next month’s figure drops from the current 0% and goes negative, those who started uni pre-1998 – currently paying 3.8% – will see their loan SHRINK. Yet the govt. hasn’t confirmed if the same’ll happen for post-1998 student loans: these rely on both inflation...

Is the State Pension a Ponzi Scheme?

While writing the State Pension Boosting guide, the more I thought about the National Insurance and State Pension system, the closer it seemed to having all the characteristics of a Ponzi scheme. The most famous of these is the Madoff scam, but there’ve been countless others. A Ponzi is effectively a disguised pyramid scam. With a Ponzi...

FSA Consumer Panel: Its view and mine.

Having blogged on what happened when I went to meet the FSA consumer panel (see FSA consumer panel blog), I thought you may find it interesting (if you’re a little bit sad over these things like I am) to contrast the official minutes of the meeting with my recollections after leaving. Obviously, as official records, theirs are...

Bizarre life summaries heard while having a sandwich…

Imagine a US female voice, “So I met him, fell in love, and decided to come to the UK with him. When I got here, I realised the thing I like most about him was that he was English. And there were lots of them here. We split up.” Comment and Discuss

Doing Countdown… and getting a rude word to boot!

I’m on the train back from Leeds, where I’ve spent the day in Countdown’s dictionary corner. I watched the programme as a child, so it’s a real joy to be a part of it, and something I had been unable to do in previous years. And of course as a Scrabble player it’s right up my street....

Mortgage Brokers In Trouble: Bad News for Consumers.

In recent weeks a number of mid & even large sized mortgage brokers have gone bust. Chase de Vere Mortgages, Hamptons and Cobalt have all shut their doors and across the country many brokerages are struggling. Decent mortgage brokers are a consumer good; with many thousands of mortgage products each with their own peccadilloes, most people need...

Why so many Pizza 2for1s?

Pizza restaurants seem to form the largest single group in the restaurant vouchers guide; so I started mulling why this happens. Here’s my theory – I’d love your thoughts. Pizza is dirt cheap to make. It’s mainly dough, then small amounts of cheeses, tomato, and bits of meat or vegetables. All in all the goods cost is...

Double Downshift through the eyes of a 12 year old.

On ITV1 Tonight this evening (8pm) we’re doing a secret double downshift. Literally dropping two supermarket brand levels on a family’s shopping without the Dad and one brother knowing (see supermarket shopping for more on the downshift challenge). While it’s secret, there were no hidden cameras, just a special weapon. The elder brother in the family, twelve...

Finally, an Olympic Gold!

OK it was only for three seconds, but this morning I held an Olympic gold medal in my hands, and not just any old gold, but an athletics gold for a blistering run by Christine Ohuruogu in the womens 400m at last year’s games. I’ve written before about my obsession with athletics (see Star Struck at the...