Gordon Brown’s warning this week that “We are in danger of sleepwalking into a future crisis,” is keeping me awake at night. I couldn’t agree more. In fact, I’ve been putting out this message all last year.
About Phil Grady
This author has yet to write their bio.Meanwhile lets just say that we are proud Phil Grady contributed a whooping 56 entries.
Entries by Phil Grady
A whole new generation of students are about to leave home and embark on the adventure that is student life. For some, it will be the first time that they have had to manage their own budgets. And for many, they are watching, with a degree of alarm, the doors of the Bank of Mum […]
Whose turn is it to sit in the front? If you’re a parent you’ll know the way that particular school run conversation tends to pan out at 8am every Monday to Friday.
A few months ago Jonathan Davidson, executive director of supervision for retail and authorisations at the Financial Conduct Authority (FCA) said that a worrying number of householders may be “in too deep” with their borrowing. But how deep is too deep?
“I’ve tried to get help but there’s a 10 week waiting list to see a Money Advisor.” “I am getting so many final warning letters that I’ve simply stopped opening them.” “Interest and charges are going up every day. I don’t even know how much I owe now.” “I’m very anxious and my health is […]
In his recent Mansion House speech “New Economy, New Finance, New Bank” Mark Carney referred to the brave new world we inhabit as the Fourth Industrial Revolution. We are living in an age characterised by a technological tsunami that is constantly changing and shaping the way we live, work and interact with each other.
We have been following the journey of Lord Bird’s Creditworthiness Assessment Bill through the parliamentary process and I was very thrilled to see it progress through the committee stage at the end of last week, with widespread support and no amendments.
I wrote recently about the sea change in perspective in the lending landscape. The FCA is urging lenders to be more forward looking, to anticipate how borrowers will be able to repay their debt further down the line. Will they be able to weather a storm or will they go under?
In January this year the number of internet users around the world reached 4 billion. Well over half the world’s population is now online, with the latest data showing that nearly a quarter of a billion of new users came online for the first time in 2017.
Gross mortgage lending in 2018 has been predicted to rise for the eighth year in a row to reach its highest level since 2007, according to the fifth annual market review and forecast from the Intermediary Mortgage Lenders Association’s (IMLA), published today.
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