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‘We will be forced to close’: Polish and Czech food stores post-Brexit image
.... Kuna says she already knows of many EU nationals who have left, or are thinking of leaving, the UK. But there is an additional challenge: “We realised a change in people’s spending habits. ...
Britons like vodka and Nike and won't consider Airbnb, survey reveals image
Source : Guardian [Read Article] Sunday 12th of March 2017 03:42:14 PM
....Britain is a nation of vodka drinkers who wear Nike, prefer to gamble at Ladbrokes and don’t realise Brexit will make life more expensive, according to a consumer survey by HSBC. Its report, Anatomy of the Consumer, analysed spending habits in travel, leisure, food and retail, based on a survey of 2,000 people. ...
Britons spend more on food and leisure, less on booze, smoking and drugs image
Source : Guardian [Read Article] Thursday 16th of February 2017 11:03:11 AM
....”. The ONS asked 5,000 households to keep a diary of spending over a two-week period, offering an insight into the latest spending habits. ...
Santander becomes first bank in UK to let customers pay by using their VOICE image
Source : Daily Express [Read Article] Monday 13th of February 2017 02:20:00 PM
....". The new technology is being piloted on the iOS version of the bank's official app, and follows the introduction of what they called voice assistant banking last year, which enabled users to ask the app questions about spending habits. ...
Inflexible friend image
Source : BBC [Read Article] Sunday 4th of December 2016 12:49:53 AM
....Although cash, cheques and indeed cards will remain an option for shoppers, he says, these new ways of paying will take a growing share of the payments market in 10 years' time. Such a prospect sounds frightening for anyone who already has concerns about corporations, and potentially hackers, tracking our whereabouts or spending habits. ...
My year of no spending is over – here's how I got through it image
Source : Guardian [Read Article] Saturday 26th of November 2016 06:00:24 AM
.... I was stuck in a cycle of consumerism – earning money to buy stuff I didn’t really need, which wasn’t making me happy. Giving up spending for a year was an extreme approach, but the aim was to embrace extreme frugality, shake up my spending habits and overpay my mortgage instead of shopping. ...
How we're shopping image
Source : BBC [Read Article] Thursday 24th of November 2016 12:04:24 AM
....While colder weather in October boosted sales of winter clothes, Halloween benefited the supermarkets, ONS statistician Kate Davies said. But all of these UK statistics on our spending habits are dwarfed when it comes to China and the newest day on the shopping calendar - Singles Day. ...
Sky and BT to battle for European club rugby rights next year image
Source : Daily Express [Read Article] Sunday 16th of October 2016 11:40:00 AM
.... . Loyalty cards were initially launched to help retailers glean insights into the spending habits of their customers, but smartphone apps and online shopping now provide firms with more accurate data. ...
Women could bear brunt of high street job losses, survey warns image
Source : Guardian [Read Article] Wednesday 11th of May 2016 11:30:00 AM
....In March, Lord Wolfson, the chief executive of Next, said trading conditions for retailers this year could be the worst since the financial crisis. Warning that 2016 could feel like “walking up the down escalator” the Tory peer pointed to slowing earnings growth, weakening economic output and a possible permanent shift in consumer spending habits towards nights out, holidays and other non-retail spending. ...
Bank of England stages Brexit dress rehearsal image
Source : Guardian [Read Article] Thursday 14th of April 2016 01:54:19 PM
....For months, the Bank has been thinking about what it will do in these circumstances. It has been monitoring whether consumers have been changing their spending habits and whether firms have been mothballing investment plans. ...
Ikea billionaire Ingvar Kamprad buys second-hand clothes to save money image
Source : Guardian [Read Article] Thursday 10th of March 2016 12:41:47 AM
....In 2006, the American business magazine Forbes listed him as the fourth richest person in the world. Kamprad’s modest spending habits have made headlines over the years. ...
Do other countries do banking better? image
Source : BBC [Read Article] Monday 7th of March 2016 12:00:04 AM
....Credit Agricole, one of France's largest providers of current accounts, publishes no less than twelve pages of its charges, not counting overdraft rates. While such charges may look pricey to British eyes, they may actually offer much better value - depending on your spending habits. ...
More people in their 70s in higher tax bracket than those in their thirties image
...." . Andrew Baddeley-Chappell, head of savings and mortgages policy at Nationwide Building Society, said: "It's encouraging to see our latest life stage study breaking some common misconceptions by highlighting the active lifestyle of many 70-year-olds, along with their working status and spending habits. ...
A third of 18-24-year-olds scared to check bank balance, poll finds image
Source : Guardian [Read Article] Thursday 11th of February 2016 01:24:48 PM
....“This ‘ostrich effect’ is one that must be turned around if young people are ever to regain control of their own finances. Greater visibility around spending habits will make people more aware of their bank balance, making it harder for them to go into debt unnecessarily,” he said. ...
Growth in spending is the slowest in two years – not a great sign for the economy | Greg Jericho image
.... For clothing and footwear, December is equivalent to six weeks:. And thus as our spending habits have turned from spending in department stores and on clothing to food and eating out, the month of December has become less important:. ...
Business news: HSBC app, Sky TV, Apple, Tabl and Revolut image
Source : Daily Express [Read Article] Sunday 24th of January 2016 12:01:00 AM
. The app, dubbed HSBC Nudge, analyses users’ current account data to identify trends in their spending habits and sends them regular messages to make them aware of the consequences that it will have on their finances. ...
How to protect your money, privacy and yourself if you win Powerball image
Source : Guardian [Read Article] Wednesday 13th of January 2016 07:42:55 PM
....Keep funding your retirement accounts and college savings plans, because – why not? You can afford to, in the best-case scenario, and in the worst-case scenario, where you turn into one of those statistics, well, you have just secured yourself against the nightmare of a poverty-stricken old age, or the prospect that your children won’t be able to attend college. After reviewing your spending habits over the course of a year, ask your advisory team for some hard-headed advice: should you turn some or all of your remaining winnings into an annuity, so that it generates a safe stream of income over your remaining lifespan? (Make sure whoever you ask for advice won’t get a commission from selling you such an annuity …). ...
One in four 'struggle to survive' January after Christmas spending binge image
Source : Daily Express [Read Article] Friday 8th of January 2016 11:48:00 AM
....". The MAS is running a 'survive January' campaign featuring easy ways to stop wasting money, debt management and changing spending habits for good. ...
Macy's to cut jobs and shut stores image
Source : BBC [Read Article] Thursday 7th of January 2016 12:29:38 AM
....A strong US dollar, low spending by tourists, warm weather and a glut of unsold inventory are being blamed for its disappointing performance over the key winter holiday season. Consumer spending habits have also changed as people spend more money on travel and electronics and less on discretionary items such as clothing and cosmetics. ...
Marks & Spencer to trial larger food halls image
Source : Guardian [Read Article] Wednesday 6th of January 2016 07:17:16 PM
....One source who knows the retailer well said there was still further opportunity to expand cafes and takeaway food areas to reflect the rising trend in eating out and buying pre-prepared food. Retailers such as Sainsbury’s, Waitrose and Tesco are already introducing more eateries and takeaway food areas to take advantage of the changing spending habits. ...
George Osborne’s economic miracle is built on a mountain of personal debt | Owen Jones image
....Tis the season to whip out the credit card. As I type, millions of Britons are undoubtedly flooding into shops or splashing out online full of festive panic: set spending habits to Defcon Christmas. ...
American millennials: tell us how you spend your money image
Source : Guardian [Read Article] Wednesday 9th of December 2015 03:35:03 PM
....How do you spend your money?. As a part of an upcoming project at the Guardian, we’re asking millennials (which we are defining as being between the ages of 18 and 35) from all over the US to tell us about their spending habits. ...
'Tis the season to blow budgets image
Source : Guardian [Read Article] Tuesday 8th of December 2015 07:00:31 AM
.... “Those anxieties may begin to shift as gender roles change, but they’re deep-seated, and in some cases can even be hormonally induced. ” Pine and her colleagues questioned women about their spending habits, without asking them directly about menstrual cycles until the end of the survey. ...
35pc cashback from your bank account image
Source : Telegraph [Read Article] Monday 30th of November 2015 03:00:49 PM
.... The offers available at any given time vary, but participating retailers include Argos, Emirates Airline, Adidas, Savile Row Company, a suit maker, and All Bar One. Offers are tailored to users based on their spending habits. ...
Why I'm buying nothing for a year – no clothes, no holidays, no coffee ... image
Source : Guardian [Read Article] Thursday 26th of November 2015 10:43:00 AM
....I realise that as we live in London we’re lucky to have a mortgage at all but that doesn’t mean I want to be saddled with it for 25 years. Getting rid of it early is an appealing idea and to really make a dent in it I need to get a handle on my everyday spending habits. ...
Lender lunacy: Halifax says we 'can't afford' a cheaper mortgage image
Source : Telegraph [Read Article] Sunday 11th of October 2015 08:58:29 AM
.... . The Mortgage Market Review, which came into force 18 months ago, required lenders to assess borrowers’ incomes and spending habits in great detail to ensure they can afford a loan, both now and when interest rates rise. ...
Our five favourite cashback reward current accounts image
Source : Telegraph [Read Article] Thursday 8th of October 2015 07:23:26 AM
.... . By offering cashback rewards when paying household bills, direct debits or simply paying money into an account, customers can earn extra without changing their spending habits. ...
1.1m UK households had mortgage debts worth 4.5 times their income in 2013 image
Source : Guardian [Read Article] Wednesday 7th of October 2015 12:24:06 PM
....”. Toughened mortgage lending rules came into force across the industry in April 2014 under the Mortgage Market Review (MMR), which force lenders to carry out more thorough checks into the spending habits of both homebuyers and people looking to remortgage, to make sure their loans are truly affordable. ...
The £6bn catch in loyalty points: the schemes sitting on your rewards image
Source : Telegraph [Read Article] Tuesday 6th of October 2015 07:04:47 AM
.... Loyalty schemes are big business in Britain, with more than 40 mainstream programmes on offer. And while they’re an invaluable tool for retailers to collate data about their customers and their spending habits, as shoppers we are failing to reap the benefits. ...
How the world's up and coming rich spend their money image
Source : Telegraph [Read Article] Monday 5th of October 2015 12:30:10 PM
.... How many people own properties in their respective countries (percentage). Travel also features prominently among the spending habits. ...
15 ways to endear yourself to a mortgage lender image
Source : Telegraph [Read Article] Wednesday 26th of August 2015 06:04:52 AM
China cuts rates to boost economy image
Source : BBC [Read Article] Tuesday 25th of August 2015 10:35:51 AM
....Beijing will be hard pressed to meet its target of 7% GDP growth this year without doing the opposite of what is needed to put the economy on a sustainable footing, which is to curb debt-fuelled investment in infrastructure, construction and lame-duck heavy industries. Also very difficult to gauge is the scale of the negative impact on the spending habits of investors whose wealth has been mullered and on the investing habits of companies whose share prices have been poleaxed. ...
Why is FTSE 100 shrugging off Shanghai Noon? image
Source : BBC [Read Article] Tuesday 25th of August 2015 09:55:29 AM
.... . Also very difficult to gauge is the scale of the negative impact on the spending habits of investors whose wealth has been mullered and on the investing habits of companies whose share prices have been poleaxed. ...
Consumer confidence leaps 7.8% between July and August, survey finds image
Source : Guardian [Read Article] Wednesday 12th of August 2015 07:31:57 AM
....Consumer confidence has surged, buoyed by continued positive news around house prices and reduced concerns over the international outlook. Whether such confidence translates into equally robust spending habits is open to question as wage growth remains at its slowest pace in nearly 20 years. ...
New Look to launch dedicated menswear stores image
Source : Guardian [Read Article] Tuesday 11th of August 2015 03:37:36 PM
.... It is West, an experimentalist who has been known to wear womenswear in the past, who can be held responsible for the current street trend for longline T-shirts reaching the thighs of their wearers. New Look’s competitors will likely be brands such as Asos, H&M and River Island, all of whom have benefitted from young men’s spending habits (Topman and Cos perhaps have a slightly more grown-up consumer). ...
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Jenny Eclair: 'I'm greedy. I'd like to hoard gold and jewellery under my bed' image
.... Every time the bank has spotted it and called to see if I’ve made the transactions. I have the spending habits of a cautious middle-aged woman, so once they go out of line the bank knows something is up. ...
Financial infidelity: how to prevent money secrets from hurting a marriage image
....As relationships become more serious, our lives tend to become entwined enough that it’s easier to reveal, in passing, stuff like how much we make, how much we spend on rent or a mortgage, how much we save. We can pick up clues to each other’s spending habits, too. ...
With the cost of living under control, why don't we feel more prosperous? image
....1%:. The reason for the differences in cost of living is because the ABS calculates different spending habits for households according to the main source of their income. ...
Facial recognition deemed 'creepy' by UK shoppers image
Source : Guardian [Read Article] Monday 27th of July 2015 06:15:06 AM
....The most creepy manifestations of tech all involve the information being used by the retailer. So discovering that a salesperson knows your spending habits is creepy (77%), as are personally targeted messages triggered by facial recognition (68%). ...
‘Hi, your bank here. Need cheap suncream?’ Welcome to the future of mobile apps image
....RBS and NatWest are piloting new features for their apps that enable customers to see detailed forecasts for what effect major events such as having a baby, getting married or buying a house will have on their finances. One of the apps, Spendorama, is a series of games and challenges centred around spending habits, including one called Spend Nothing In A Day. ...
Retail sales growth slowed in May image
Source : BBC [Read Article] Thursday 18th of June 2015 09:38:25 AM
....After a sunny April, May "must have felt like the return to a long winter for retailers" said Keith Richardson, managing director of retail at Lloyds' commercial banking arm. "Despite falling prices and the feel-good factor of a royal birth, savvy shoppers have had caution ingrained into their spending habits and are not yet ready to break out of their thrifty survival mode. ...
NatWest’s latest glitch is a perfect metaphor of problems facing UK banks image
.... . In these pages on Monday, Anthony Browne, the BBA’s chief executive, laid out the possibility of a utopian future in which our banks would use further advances in technology – many of them imminent – to help us analyse our spending habits, budget better and alert us to special offers based on our location. ...
German supermarket giants Lidl and Aldi continue to grow on the UK market image
Source : Daily Express [Read Article] Friday 12th of June 2015 07:11:00 AM
....4 per cent respectively and ratings agency Moody’s predicts they will continue to gain about 1 per cent every year despite a slowdown in their own sales growth. The German rivals have both set out ambitious plans to capitalise on changing consumer spending habits, with Aldi aiming to nearly double its presence to 1,000 stores by 2022, while Lidl is opening at least 20 a year to add to its existing 600-plus outlets. ...
£325 for a cup of coffee - has the world gone mad? image
Source : Telegraph [Read Article] Friday 15th of May 2015 05:20:56 AM
.... Many readers will no doubt find these trends vulgar, distasteful, even morally repugnant, not to say dangerously irresponsible. Yet though most ordinary mortals may recoil at such ostentatious spending habits, it is also just the extreme end of a much wider process of enrichment which is progressively raising great swathes of society into levels of wealth their forefathers could barely dream of. ...
Britons’ confidence on finances rockets to a new high image
Source : Daily Express [Read Article] Monday 27th of April 2015 12:01:00 AM
.... “This suggests that the UK’s economic prospects remain bright. ”The report asks more than 2,000 people across the UK about their current and future spending habits. ...
Supermarkets: Everything 'up for grabs' image
Source : BBC [Read Article] Tuesday 21st of April 2015 11:02:22 PM
....There was plenty of money for investment back then as supermarkets were making "super profits" says James Watson, head of retail investment at Colliers International a leading commercial property consultants. But that strategy began to fall apart when the recession hit and, in a remarkably short period of time, shoppers changed their spending habits. ...
UK economy has reached 'escape velocity' image
Source : Telegraph [Read Article] Sunday 19th of April 2015 11:01:11 PM
.... A separate report by Deloitte showed households were more optimistic about disposable income growth in the first three months of this year than at any point over the past three years. Experts said this could trigger a consumer spending boom, with no sign that households had changed their spending habits ahead of May’s poll. ...
Source : BBC [Read Article] Wednesday 1st of April 2015 11:00:08 PM
....Some academics argue that the end of loyalty cards would also mean the end of a rich collection of data that can be used to benefit society. These cards provide specific detail on spending habits - highlighting the difference between what people say they do and their actual behaviour. ...
M&G's Richard Woolnough among City's top earners despite poor performance image
.... He studied at London School of Economics and was a bond fund manager at Old Mutual for 10 years before joining M&G in 2004. According to industry colleagues, he has bought a large amount of land, but is seen as neither flash or lavish in his spending habits. ...
Months after Hong Kong protests, luxury fashion houses are feeling the hit image
Source : Independent [Read Article] Wednesday 1st of April 2015 03:53:41 PM
....4 per cent. Slowing growth in China and a change in consumer spending habits is also to blame, according to Paul Tang, Bank of East Asia chief economist. ...
New comparison tool matches your spending to the current account that will suit you best image
.... . Based on the analysis of thousands of personal transactions and spending habits, it will be the “definitive” and “scientific” indicator of which account suits you best. ...
A society without cash is a society in trouble image
Source : Telegraph [Read Article] Monday 9th of February 2015 07:05:14 PM
.... . Companies such as Amazon can now analyse your spending habits and target you with “offers”. ...
Bonanza for holiday firms expected as over-55s splash their pension cash image
Source : Daily Express [Read Article] Tuesday 27th of January 2015 06:26:00 PM
.... . Sam North, director this week’s Destinations Holiday and Travel Show staged by Clarion, commented: “It has been widely reported that 200,000 people will cash in their entire pension pot when the government reforms take effect and we are expecting this to have a significant impact on the spending habits of those over the age of 55, with research showing that around one in five planning to use their savings to fund a holiday. ...
Russians turn to art, jewellery and diamonds as rouble slides image
Source : Independent [Read Article] Friday 19th of December 2014 06:14:22 PM
.... Such concerns are cited by some as reasons for those not in the oligarch bracket for preferring jewellery to making large, traceable, property purchases. However, London’s specialists in the needs of the rich point to a stark difference in the current spending habits of those who are merely rich to those who are billionaire oligarchs. ...
Why Britain's recovery depends on your pay rise image
Source : Telegraph [Read Article] Monday 8th of December 2014 12:10:36 AM
.... . The proportion of Britons with a mortgage who that said they would cut back was larger than the number the Bank estimated would need to change their spending habits or find extra income in order to meet monthly repayments. ...
Would this buy-to-let couple be caught out by new EU rules? image
Source : Telegraph [Read Article] Saturday 8th of November 2014 08:30:57 AM
.... . The so-called mortgage "stress test" requires banks to assess borrowers’ incomes and spending habits in forensic detail, and ensure applicants can afford repayments in the event of a rise in interest rates. ...
Normcore goes mainstream as American Eagle lands in the UK image
Source : Guardian [Read Article] Saturday 25th of October 2014 11:05:05 PM
.... “We already know there is a level of demand here,” he adds, referring to British Eagle fans who are paying customs duty and freight to ship its clothes over from the US. A recent survey of the spending habits of more than 7,000 American teenagers by US investment bank Piper Jaffray listed American Eagle as young fashion shoppers’ second favourite clothing brand after Nike. ...
HSBC slashes mortgage rates to 0.99pc image
Source : Telegraph [Read Article] Friday 17th of October 2014 11:01:32 PM
.... . Fewer mortgages were issued over the summer due to the introduction of strict rules that required lenders to delve into borrowers’ spending habits to check they could afford the repayments if interest rates rose. ...
What will really happen when interest rates rise? image
Source : Telegraph [Read Article] Monday 29th of September 2014 04:00:08 AM
.... . But the EY Club say they are “relatively sanguine” about the impact of higher borrowing costs our spending habits. ...
Buy-to-let borrowers face new costs and limits image
Source : Telegraph [Read Article] Thursday 25th of September 2014 09:00:43 PM
.... People who have inherited property, or rent out a house after being unable to sell, will be affected by the changes. Affordability rules for typical mortgages require lenders to assess borrowers’ incomes and spending habits in great detail to ensure they can afford a loan, both now and when interest rates rise. ...
Tesco profits warning - it's going to get worse before it gets better image
Source : Telegraph [Read Article] Friday 29th of August 2014 09:11:54 AM
.... . This profit warning is the result of changes in consumer spending habits that mean within five years, sales from traditional supermarkets will be lower than those from discounters, online and convenience stores. ...
Housing market cooling as buyers hang back, says Hometrack image
Source : Guardian [Read Article] Friday 29th of August 2014 05:00:04 AM
....The NAEA said that two-thirds (66%) of homes were sold for less than the asking price in July, marking a sharp contrast to May, when less than half (46%) of properties sold for less than the asking price. Stricter mortgage lending rules came into force in April that force homebuyers, and people looking to remortgage, to provide more evidence of their spending habits to prove that they can afford their loans. ...
HMRC powers to raid bank accounts could see return to 'cash under the mattress' image
.... Lin Homer, chief executive of HMRC. However, she caused alarm by explaining that HMRC would be able to judge whether a debtor could afford to pay up because they would have access to 12 months of the target’s personal spending habits. ...
Desperate first-time buyers warned over attempts to use buy-to-let mortgages image
.... . The issue was brought into sharp focus when new rules were introduced in April on residential mortgages, requiring borrowers to answer a range of questions about their income and spending habits to prove they could afford the loan. ...
Sneaky tricks of the restaurant trade and how to avoid forking out too much image
....Spence explains that, from the moment of arrival, the sensory impact of every aspect of the dining experience is considered by the restaurant – from the colour of the plates to the shape of the glasses. What's more, he points out that restaurants will adjust the genre of their music to influence spending habits. ...
Tesco and Tony Blair: two eras brought low by hubris image
Source : Guardian [Read Article] Friday 25th of July 2014 05:30:11 AM
.... Tesco was seemingly driven by a vision of the entire population of the UK – if not the world – going to them for everything, from bananas to banking. No wonder the two got on so well: one represented the arrogant pretensions of the political big tent, while the other offered such an all-encompassing vision of retailing that it sought not just the domination of our spending habits, but the colonisation of the landscape – and, if some of Tesco’s admirers had got their way, a blurring into the state. ...
Rate rise to 3pc in 2018 would make 800,000 borrowers 'mortgage prisoners' image
.... More: Best fixed rate mortgage deals for two, three, five and 10 years . Toughened mortgage lending rules came into force in April which mean that lenders have to question both home buyers and people looking to remortgage in more depth about their spending habits in order to work out whether they can afford their home loan. ...
Britain's hottest property spot? Salford, second home of the BBC image
Source : Telegraph [Read Article] Tuesday 22nd of July 2014 03:36:15 PM
.... What next for house prices? . While the housing market is generally continuing to show signs of strengthening, some recent reports have highlighted evidence that the pace of the recovery is slowing, particularly following the introduction of toughened mortgage lending rules at the end of April, which mean applicants have to undergo stronger checks into their spending habits to make sure they can afford their home loan. ...

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