Category Archives: advice gap

Pension Scamming – Justin Cash and I talk frankly

  I’m found here talking to Money Marketing’s Justin Cash about pension scamming and financial resilience. It was a good day to speak as we’d just launched our anti-scam game http://www.scam-man.com. Doing a podcast by Zoom (I think it was … Continue reading

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“If we should live that long…”

I write a column for the CIPP magazine and there’s generally a six week cycle between submission and publication. I submitted this article in March and it got published last week. When I wrote it, I wondered how I’d be … Continue reading

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Club Vita’s latest picture of the Covid-19 data.

Club Vita is an actuarial resource that helps pension schemes understand what’s going on death and health wise. It uses big data sets to create pictures which non-actuaries like me can understand. If , like me, you want to understand … Continue reading

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“Financial resilience” – austerity’s twin brother

In the aftermath of the collapse of Northern Rock in 2008, many savings institutions were hit with a run on deposits from savers keen to put their cash under the mattress. Mark Scantlebury and Vincent Franklin, who were then setting … Continue reading

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Why we’ve failed to build a national care service

Sage seem to consider the major problem in care homes the impact it is having on the R number. At least that is how it is being reported. Sage member Professor John  Edmunds told the FT Covid-19 infections in hospitals … Continue reading

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COVID-19 ; Vaccines and Antivirals

  What is a vaccine? Vaccination is the administration of a vaccine to help the immune system develop protection from a disease which is achieved by essentially imitating an infection. Vaccines have historically been constructed to  contain either inactivated viruses … Continue reading

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The end of furlough and what it means for pensions.

A question was asked of the DWP on April 24th filed under  “Pensions: Advisory Services”  To ask the Secretary of State for Work and Pensions, what discussions she has had with the Financial Conduct Authority (FCA) on when the FCA … Continue reading

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All plans off for DB funding proposals

I’m sorry to have missed the FT’s DB funding debate, it sounds like a lively affair! Mercer, the professional services firm, last week estimated the aggregate accounting deficit for DB schemes for the UK’s 350 largest listed companies was £52bn … Continue reading

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“The new normal” will be driven by consumers: NB – financial services.

Many claims are made of the data we have today but two things appear clear to the layman. The more data you have on the spread of the virus, the easier it is to make the right public policy decisions. … Continue reading

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Need help finding your national insurance number?

We need our national insurance number for all kinds of reason. It is our unique personal identifier and we often get asked for it for everything from finding pension pots to hiring a car. It appears on your payslip and … Continue reading

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