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....“We’ve been working on this project for over a year and are really pleased with the results,” said M&S packaging expert Laura Fernandez. “We see this as the start of a much bigger piece of work and hope to bring equally impressive savings to other areas of the business too. ... [Read full article on Guardian ]
Tuesday 18th of July 2017 05:01:11 AM
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....“We call on the government to follow up on one of Cridland’s other recommendations and provide access to ‘midlife financial MOTs’. This will help those people who need to work longer before they receive their state pension to make smarter financial choices to boost their savings. ... [Read full article on Guardian ]
Wednesday 19th of July 2017 01:44:22 PM
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....The peer-to-peer lender Ratesetter has been hit by £80m of struggling loans in the first major setback for the nascent online lending sector. The company said it would use its own funds to prevent losses being taken by its 50,000 users, who are mostly small investors using the website in order to lend their savings to other individuals and benefit from higher interest rates than are available at high street banks. ... [Read full article on Guardian ]
Tuesday 18th of July 2017 07:37:39 PM
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.... If ever there was a time when companies might have been excused for salting their cash away it was the 1930s, when the US economy contracted by a quarter. Yet in the dark years after the Wall Street Crash, the US corporate sector ran down its cash pile, so much so that it had negative savings in the years from 1930 to 1934. ... [Read full article on Guardian ]
Sunday 16th of July 2017 01:11:02 PM
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.... Consumers will retrench and spend less and demand will drop. The savings rate, which is at historically low rates, will start to pick up. ... [Read full article on Guardian ]
Thursday 20th of July 2017 02:20:35 PM
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. This summer marks 10 years since the beginning of the financial crash in the UK, when depositors lined up outside branches of a small British bank, Northern Rock, to withdraw all of their savings as quickly as possible, particularly since everyone else was doing the same. ... [Read full article on Guardian ]
Sunday 16th of July 2017 06:59:34 PM
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....While money shouldn’t be the only factor used to decide where you expatriate to, it is a necessary consideration for many. The countries on this list offer far more than savings - their cultures, locations and opportunities are extensive and unique. ... [Read full article on Daily Express ]
Monday 17th of July 2017 04:00:00 PM
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....I’ve been quoted £800 to change 20 50W halogen lights and fittings to LED. I’ll make some savings on electricity, but wonder if the supposed benefits are true. ... [Read full article on Guardian ]
Saturday 15th of July 2017 05:59:45 AM
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.... Railway experts look to smaller-scale upgrades of track and junctions and wonder how many won’t be built as the HS2 mega-project dominates transport spending for the next decade. Ask the public, and one suspects 90% of respondents would happily settle for a conventional railway to expand capacity on the west coast if the savings could be spent on the NHS. ... [Read full article on Guardian ]
Monday 17th of July 2017 06:22:31 PM
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.... So rather than just remortgaging next March, I’m thinking of cashing in the endowment early next year and topping up the £41,000 with a personal loan of £6,000 so I can pay off the entire mortgage of £47,000. I only have £2,000 in savings and that’s not likely to grow quickly as I’m focusing all I can on pension payments. ... [Read full article on Guardian ]
Thursday 20th of July 2017 06:00:13 AM
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....The purchaser is McCormick, the Schwartz spice folk. It congratulated itself on creating “a one-stop shop for condiment, spice and seasoning needs”, but the question is how to find the savings to justify the mighty price tag. ... [Read full article on Guardian ]
Wednesday 19th of July 2017 06:43:44 PM
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....Making a bad move . FCA figures show that more than half of fully withdrawn pension pots were moved into other savings or investments, which could cause “direct harm if consumers pay too much tax or miss out on investment growth”. ... [Read full article on Daily Express ]
Sunday 16th of July 2017 02:14:00 PM
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Latest Finance News related to Savings

The cost of living crisis is down to Brexit. The chickens are coming home to roost | David Blanchflower image
.... Consumers will retrench and spend less and demand will drop. The savings rate, which is at historically low rates, will start to pick up. ...
Should I cash in my endowment early to pay off my mortgage? image
Source : Guardian [Read Article] Thursday 20th of July 2017 06:00:13 AM
.... So rather than just remortgaging next March, I’m thinking of cashing in the endowment early next year and topping up the £41,000 with a personal loan of £6,000 so I can pay off the entire mortgage of £47,000. I only have £2,000 in savings and that’s not likely to grow quickly as I’m focusing all I can on pension payments. ...
We can only address pay imbalances if we can see them | Nils Pratley image
Source : Guardian [Read Article] Wednesday 19th of July 2017 06:43:44 PM
....The purchaser is McCormick, the Schwartz spice folk. It congratulated itself on creating “a one-stop shop for condiment, spice and seasoning needs”, but the question is how to find the savings to justify the mighty price tag. ...
State pension age rises: Will changes affect you? Everything you need to know image
Source : Daily Express [Read Article] Wednesday 19th of July 2017 02:42:00 PM
.... . The offiical retirement age had not been due to rise to 68 by 2046, but this will change under the new proposals, as the Government looks to make savings amid rising life expectancy. ...
State pension age to increase seven years earlier than planned image
Source : Guardian [Read Article] Wednesday 19th of July 2017 01:44:22 PM
....“We call on the government to follow up on one of Cridland’s other recommendations and provide access to ‘midlife financial MOTs’. This will help those people who need to work longer before they receive their state pension to make smarter financial choices to boost their savings. ...
Peer-to-peer lender Ratesetter hit by £80m of struggling loans image
Source : Guardian [Read Article] Tuesday 18th of July 2017 07:37:39 PM
....The peer-to-peer lender Ratesetter has been hit by £80m of struggling loans in the first major setback for the nascent online lending sector. The company said it would use its own funds to prevent losses being taken by its 50,000 users, who are mostly small investors using the website in order to lend their savings to other individuals and benefit from higher interest rates than are available at high street banks. ...
M&S slashes plastic use in food packaging to cut waste image
Source : Guardian [Read Article] Tuesday 18th of July 2017 05:01:11 AM
....“We’ve been working on this project for over a year and are really pleased with the results,” said M&S packaging expert Laura Fernandez. “We see this as the start of a much bigger piece of work and hope to bring equally impressive savings to other areas of the business too. ...
HS2 supporters boast of benefits – but costs keep going off the rails | Nils Pratley image
.... Railway experts look to smaller-scale upgrades of track and junctions and wonder how many won’t be built as the HS2 mega-project dominates transport spending for the next decade. Ask the public, and one suspects 90% of respondents would happily settle for a conventional railway to expand capacity on the west coast if the savings could be spent on the NHS. ...
Are these the cheapest countries for expat living? image
Source : Daily Express [Read Article] Monday 17th of July 2017 04:00:00 PM
....While money shouldn’t be the only factor used to decide where you expatriate to, it is a necessary consideration for many. The countries on this list offer far more than savings - their cultures, locations and opportunities are extensive and unique. ...
The Guardian view on the 1%: all gain, no pain | Editorial image
Source : Guardian [Read Article] Sunday 16th of July 2017 06:59:34 PM
. This summer marks 10 years since the beginning of the financial crash in the UK, when depositors lined up outside branches of a small British bank, Northern Rock, to withdraw all of their savings as quickly as possible, particularly since everyone else was doing the same. ...
Pension planning: Avoid these costly mistakes with your savings  image
Source : Daily Express [Read Article] Sunday 16th of July 2017 02:14:00 PM
....Making a bad move . FCA figures show that more than half of fully withdrawn pension pots were moved into other savings or investments, which could cause “direct harm if consumers pay too much tax or miss out on investment growth”. ...
Governments have to invest in the fourth industrial revolution | Larry Elliott image
.... If ever there was a time when companies might have been excused for salting their cash away it was the 1930s, when the US economy contracted by a quarter. Yet in the dark years after the Wall Street Crash, the US corporate sector ran down its cash pile, so much so that it had negative savings in the years from 1930 to 1934. ...
Gig economy: Financial advice for the self-employed  image
Source : Daily Express [Read Article] Sunday 16th of July 2017 12:01:00 AM
....” . Bruce Moss, director of Strategy at EValue, says recent pension freedom reforms allowing people to access their pots from age 55 are “just not flexible enough to meet the needs of gig workers, who by definition need the flexibility to access their savings between gigs”. ...
Is it worth switching to LED lights and fittings? image
Source : Guardian [Read Article] Saturday 15th of July 2017 05:59:45 AM
....I’ve been quoted £800 to change 20 50W halogen lights and fittings to LED. I’ll make some savings on electricity, but wonder if the supposed benefits are true. ...
Lower water bills: Don't miss out and trial a water meter image
Source : Daily Express [Read Article] Thursday 13th of July 2017 06:58:00 PM
....As a general rule of thumb, it’s worth considering a water meter if a household has more or the same number of bedrooms than people living in the property. CCWater’s water meter calculator has helped almost 270,000 consumers identify potential annual savings totalling more than £14. ...
Carillion has 'no future without rights issue of at least £500m' image
Source : Guardian [Read Article] Thursday 13th of July 2017 06:20:18 AM
.... By pulling out of construction in Qatar, Saudi Arabia and Egypt, it is withdrawing from its business in the Middle East almost entirely. Further annual savings will be announced following a “strategic and operational review”, while the firm also plans to get better at collecting money that it is owed. ...
Is paying off the mortgage a better bet than saving? image
Source : Guardian [Read Article] Thursday 13th of July 2017 06:00:00 AM
. Q We are a family with some savings – around £70,000 – but are worried they might be worth less once Brexit is decided: ie, the pound will go downhill. ...
PENSION WARNING: Savers accessing pots early falling into ‘disastrous’ tax trap image
. Accessing savings early has become the "new norm" since reforms were introduced in 2015, an interim review of the market by the Financial Conduct Authority (FCA) found. ...
FCA warns it may intervene as millions take pension cash early image
Source : Guardian [Read Article] Wednesday 12th of July 2017 12:33:01 PM
.... The regulator warned that early intervention may be needed to ensure this multibillion-pound market worked well. The FCA’s study of the retirement market also found that in more than half of the cases where all the money was taken out of a pension pot, the cash was not spent on cars or holidays, etc; instead it was shifted into other savings or investments, partly because of a “mistrust of pensions”. ...
Retiring abroad: How can I cut the costs of moving away in later life? image
Source : Daily Express [Read Article] Tuesday 11th of July 2017 11:18:00 AM
.... . Take the time to research different international money transfer providers and you’ll find that some leading currency brokers do not charge transfer fees – so you will make immediate savings. ...
Grace is 25. Her student debt: £69,000 image
Source : Guardian [Read Article] Tuesday 11th of July 2017 06:14:02 AM
.... Subsidising loans is a rubbish way of widening participation in university,” he says. “It would be better to have a loan that is largely self-financing and spend the savings on nursery and primary education. ...
Casual work is still the root cause of destitution | Letters image
Source : Guardian [Read Article] Monday 10th of July 2017 05:43:31 PM
.... Casual work, not low pay, was the principal cause of poverty and social dependency. Irregular earnings led to poor diet, undermined working capacity and made savings impossible. ...
Bank of England warns it will go after firms looking to mask risks image
Source : Guardian [Read Article] Monday 10th of July 2017 04:03:22 PM
....“That should not be a problem if lenders can be confident about the availability of such retirement income, or about the scope for the borrower to downsize and use the sale proceeds to pay off the balance of the loan,” he said. He noted that building society profit margins were coming under pressure, often because they were keeping savings rates higher to keep members happy. ...
Switching your current account – Five minute guide with all you need to know image
....50 on spending, with no fee. TSB Classic Plus offers cashback of up to £10 a month and pays savings interest of 3 per cent on balances up to £1,500, again with no fee. ...
Heathrow hotel operator drafts £6.7bn cheaper third runway plan image
Source : Guardian [Read Article] Sunday 9th of July 2017 02:42:29 PM
....“One of the options we have proposed to government includes a possible shift of the runway so that it does not impact on the M25 and M4; as we know the M25 junction being affected threatens the deliverability of the whole project. We appreciate this is a politically sensitive issue but it is merely an option with additional savings of £1. ...
Trump's growth problem: jobs boost masks trouble ahead for US economy image
.... Many of those workers, the Shift commission found, may be staying in the workforce not because they want to, but because they have to. Nearly 30% of respondents 55 and over claimed to have zero retirement savings, and 26% had $50,000 or less. ...
Camden Town Brewery founder insists big can also be beautiful image
Source : Guardian [Read Article] Saturday 8th of July 2017 03:00:11 PM
....6 million pints – was made in Belgium but that outsourcing will now end. “By the end of July all our production will be made between NW1 and EN3,” says Cuppaidge of a shift that will bring immediate financial savings, as it will eliminate the need to “truck beer all over the country”. ...
Community groups call time on the demise of the British pub image
Source : Guardian [Read Article] Friday 7th of July 2017 04:19:25 PM
....Some of the schemes to finance the purchase of co-operative pubs offer those participating the bonus of a financial return. In the case of the Butchers Arms, the co-operative is paying 3% interest a year – more than the vast majority of savings accounts offer. ...
UK faces tightest squeeze on household incomes for five years image
Source : Guardian [Read Article] Thursday 6th of July 2017 12:57:38 PM
....2 in March 2017, the ONS said, using a survey conducted by researchers GFK on behalf of the European commission. The report will add fuel to the debate over how content households are to dip into savings or to borrow in order to keep spending at the same pace. ...
Chip: the robot banker trying to pull millennials out of their overdrafts image
....A robot banker who can pull you out of your overdraft sounds like the premise of a – dull, admittedly – sci-fi story, but Chip promises that it’s here right now. Just finishing its first year in existence, the start-up has a compelling pitch: plug it in to your bank account, and it will analyse your spending, moving money you don’t need into a savings account, and slowly helping you hit financial security. ...
IMF warns G20 over protectionism in veiled criticism of Trump image
Source : Guardian [Read Article] Wednesday 5th of July 2017 03:38:20 PM
....”. Lagarde is known to be concerned that many of the imbalances in the global economy that gave rise to the 2008 financial crash have yet to be addressed, especially the disparity between those countries with huge savings and those with persistent debts. ...
Worldpay buyout by Vantiv reignites debate over foreign takeovers image
Source : Guardian [Read Article] Wednesday 5th of July 2017 03:04:35 PM
.... “It looks like it’s smaller than the market was expecting,” said Laith Khalaf, senior analyst at Hargreaves Lansdown. Details of the cost savings that might be achieved were not announced, but Worldpay said: “The boards of Worldpay and Vantiv see a compelling strategic, commercial and financial rationale for combining Worldpay and Vantiv’s complementary businesses. ...
Decade in the doldrums for hard-hit savers as low interest rates remain the same image
....Since then base rates have been slashed to near zero and stayed there for year after year, hammering the returns on cash. This has been a particular blow for older people who rely on the interest from their savings to top up their retirement income. ...
Savers left in the red after a decade of low interest rates image
Source : Guardian [Read Article] Wednesday 5th of July 2017 06:34:13 AM
....3% on cash in instant access accounts and 5% on accounts where some notice must be given, according to research by the financial adviser Hargreaves Lansdown. Today almost £180bn of cash savings sits in non-interest-bearing accounts and the few people who shop around earn just 0. ...
Virgin Trains and six other companies agree to sell advance tickets on the day image
....”. Research by passenger group Transport Focus found that Advance tickets are popular with rail passengers, as they can offer significant savings of up to 70% for those prepared to commit to a particular train. ...
Lloyds and the FCA must give full story on HBOS Reading fraud | Nils Pratley image
....In the end, the spin is irrelevant. What matters more is that Argos has been digested smoothly, the store-in-store openings are happening and the eventual cost savings are still promised to be £160m. ...
Retirees lose £8,460 of pension income: Make sure YOU don't make THIS mistake image
. Around half of retirees who have used pension savings to buy an annuity since 2015 will lose out on an average £8,460, found provider Retirement Advantage. ...
State pension age to rise SOONER than expected: Minister warns ‘big decisions’ looming image
....The overall retirement age is then due to rise to 67 by 2028 and 68 by 2046. But in a major blow for people heading towards retirement, it is feared the Government could bring forward the increase in an effort to make savings. ...
Don’t be too quick on the draw taking pension pot, says HARVEY JONES image
Source : Daily Express [Read Article] Sunday 2nd of July 2017 11:00:00 AM
....” . In an ideal world, savers would cover their everyday living costs from a combination of, say, the state pension, a final salary scheme and lifetime annuity, while leaving the rest of their savings in income drawdown to benefit from future stock market growth. ...
Savers warning: Pension tax relief could soon be SLASHED image
Source : Daily Express [Read Article] Saturday 1st of July 2017 02:05:00 PM
....It's feared reforms of retirement saving incentives, which have been looming for years, may be brought forward after the Conservatives formed a Government with the DUP. Chancellor Phillip Hammond could be looking for state savings on pensions, after the Conservatives eventually maintained the state pension triple lock, which guarantees income rises by at least 2. ...
Savings CRISIS: Household rainy-day funds PLUNGE to record lows  image
Source : Daily Express [Read Article] Friday 30th of June 2017 02:04:00 PM
. Families continued to spend emergency reserves and rainy day funds pushing the savings ratio down to just 1. ...
Household income falling at fastest rate since 1976 as UK savings rates crash image
....Against a backdrop of rising prices and stagnant wage growth, incomes adjusted for inflation have now fallen for three successive quarters, the first time this has occurred since the International Monetary Fund had to bail Britain out in 1976. At the same time, the amount being set aside as savings has now slipped to just 1. ...
Prepare for interest rates rise: Inflation could mean hike, says Bank of England economist image
....Inflation has surged past the Bank's target of two per cent and there should now be "serious" consideration over raising interest rates, according to Andy Haldane. The top economist appears to preparing households for a rate rise, which increases borrowing costs but also means better returns on savings. ...
UK consumers run down savings to record low - as it happened image
Source : Guardian [Read Article] Friday 30th of June 2017 07:30:41 AM
...
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Walgreens Boots Alliance scraps plans to buy Rite Aid image
Source : BBC [Read Article] Thursday 29th of June 2017 03:11:33 PM
....It has more than 8,000 stores in the US. The company said it expects the Rite Aid acquisition to bring more than $400m in savings as it makes the network more efficient. ...
Savings to finally be boosted as Mark Carney hints interest rates set to rise image
Source : Daily Express [Read Article] Thursday 29th of June 2017 11:11:00 AM
....The move will be welcomed by hard-pressed savers who have suffered record-low returns on their investments in recent years. A recent survey by Moneyfacts of easy access savings accounts found nine of 10 of them paid interest of less than one per cent while the cost of living was rising at 2. ...
'EU pension' planned for people who move between countries image
Source : Guardian [Read Article] Thursday 29th of June 2017 10:59:21 AM
....It had been hoped that the tax treatment of pensions could be harmonised as part of the proposal, but that has not survived consultation with the member states. Providers of the new EU pension will also need to live up to high levels of transparency over fees, as concern grows that savers are currently left in the dark about the charges being taken from their savings. ...
Should we use the London help-to-buy scheme to purchase a home? image
Source : Guardian [Read Article] Thursday 29th of June 2017 06:00:15 AM
....Q My little family are looking to buy a house in London after many years of renting and scrupulous saving. The good news is that we have accumulated about £100,000 in savings, but the bad news is that the London property market is unfathomably expensive. ...
UK taxpayers face multi-billion burden for dismantling of North Sea rigs image
....While technology will be one way of cutting costs, another could be a rethink of the regulations covering the removal of oil and gas facilities. Some conservationists now support leaving an approach of “rigs to reef”, where old rigs are left to become artificial reefs rather than fully removed – with the savings diverted to a fund to protect sea life. ...
FCA says UK's £7tn asset management industry needs radical reform image
Source : Guardian [Read Article] Wednesday 28th of June 2017 07:28:17 AM
....The FCA said in its 112-page report that investors must be provided with clearer information on costs, helping them make the best available investment choices. “The asset management sector is important to the economy, managing the savings of millions of people and, in the current low-interest environment, it’s vital we help people earn a return on their savings,” said Andrew Bailey, chief executive of the FCA. ...
Many Britons are hooked on costly credit. Here’s what the new minister should do | Rowena Young image
....Opperman has much to do. In five areas of the UK, including Wales and Northern Ireland, more than half the population has savings of less than £100 and one in three adults has experienced a major financial shock in the last five years. ...
Tenant fees ARE a rip-off, says letting agent that welcomes ban  image
Source : Daily Express [Read Article] Monday 26th of June 2017 02:47:00 PM
.... "Landlords themselves would lose £300 million, meaning they may seek to cover their losses by increasing rents to tenants. “On average, rent costs will go up by £103 per tenant, per year, ultimately meaning tenants who move more frequently will reap savings on their overall costs but longer term tenants, who are usually lower income families, will see a loss as their rents rise year-on-year. ...
I'm a successful web developer but it's the wrong career for me image
Source : Guardian [Read Article] Monday 26th of June 2017 06:00:02 AM
....How can I break out of my rut? I am paralysed by fear of making the wrong choice, but equally scared that the clock is ticking. I have enough savings to take some time off, but I’m not clear how a career break would help. ...
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Maxed-out consumers of concern to Bank of England image
Source : Guardian [Read Article] Sunday 25th of June 2017 06:00:22 AM
.... Its twice-yearly financial stability report will be presented by the governor, Mark Carney, on Tuesday and he is likely to use the health check to highlight the problem of consumer debt burdens in the UK. With real incomes squeezed, households have been dipping into savings and maxing out their credit cards. ...
Pain without gain: the truth about austerity | Phillip Inman image
Source : Guardian [Read Article] Sunday 18th of June 2017 04:54:09 PM
.... Credit card, car loan and student debt, and borrowing using that most pernicious of loans, the second mortgage, have all risen sharply in the last couple of years. Making matters worse, the proportion of savings in the economy is at rock-bottom levels. ...
REVEALED: 5 simple tricks to increase your pension and BEAT threatened cuts after election image
. Britain's saving and retirement rules can be complex and difficult to understand, but taking the time to review savings and projected income pays off. ...
British workers are missing out on ‘buy one, get one free’ pension offer image
....For example, Tesco prompted an outcry among staff two years ago when it decided to shut its defined benefit arrangement and replace it with a defined contribution one. The new “retirement savings plan” went live in late 2015, but the employee anger did, at least, have a positive outcome: it prompted the retailer to offer a higher rate of contributions. ...
Buying my own place was an impossible dream – here’s how it came true image
.... But something screamed that I had to jump at this. Rather than spend my savings on travel, I needed to think of my long-term future. ...
Creditors agree terms to disburse Greece's €8.5bn bailout funds image
Source : Guardian [Read Article] Friday 16th of June 2017 12:05:16 AM
....The Tsipras government had legislated a slew of extra austerity measures worth €4. 6bn in savings in the hope of convincing creditors to finally give the Greek economy real breathing space through debt relief. ...
Pensions WARNING: Pots under pressure as older worker redundancy rate hits record high image
. New pension freedoms allow those employees aged 55-plus thrown out of work access to their savings at an earlier age - but this means they may run out of money in old age. ...
UK student loan debt soars to more than £100bn image
Source : Guardian [Read Article] Thursday 15th of June 2017 11:12:28 AM
....He said it was unclear what the longer-term implications of rising student debts in the UK would be, following the introduction of the £9,000-a-year tuition fees. “We don’t yet know how graduates will respond, how it will affect their attitudes to pensions, savings, buying a house. ...
Apps are the reason Britons spend too much money after shops shut image
Source : Daily Express [Read Article] Thursday 15th of June 2017 12:01:00 AM
.... . The FSCS is the UK's savings safety net that protects consumers' savings held in banks and building societies in the event that a firm goes bust, up to an £85,000 limit. ...
Brexit Bond offers top rate of 3% - if savers are RIGHT about UK's exit from EU image
Source : Daily Express [Read Article] Wednesday 14th of June 2017 04:15:00 PM
...."This means that Brexit may not be the dominant factor determining the exchange rate on March 29, 2019. "Irrespective of how savers voted in the referendum in June 2016, they now have a further opportunity to express their views of Brexit and how it may benefit their savings. ...
Shop around to tackle inflation as rate at four-time high image
Source : Daily Express [Read Article] Wednesday 14th of June 2017 08:20:00 AM
....". Although savings rates have picked up slightly of late, none of the 750 standard savings accounts on the market now beats inflation, according to Moneyfacts. ...
As with everything Brexit, the battle for the City will be messy | Nils Pratley image
.... Its win rate on contracts has returned to one-in-two, as opposed to last year’s one-in-three. And the promised cost savings are arriving. ...
PENSION CHAOS: Election leaves retirees in the dark over pension tax rules image
Source : Daily Express [Read Article] Monday 12th of June 2017 04:00:00 PM
....People taking retirement income through pension freedoms are at risk of huge bills from HMRC amid the confusion. New rules affecting people who have started drawing money from savings were supposed to be introduced in April. ...
Deposit-free renting sounds good – or could tenants lose out? image
Source : Guardian [Read Article] Saturday 10th of June 2017 06:00:18 AM
.... “Most get their deposit back in full, so many would balk at paying out money they’ll never get back, even if it is a smaller amount,” he says. “Insurance-based alternatives might be preferable for tenants who have little in savings and currently have to borrow a deposit in order to move. ...

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