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David Shelton’s business tips: Planning a marketing campaign

It is important marketing campaigns are planned to a fine level of detail. Investment of time at outset should improve returns as well as make your marketing more accountable. Campaigns can include any activity from enquiry generation using mail shots or advertising, through to invitations to seminars. This universal checklist will make sure that nothing […]

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PRA confirms 100% annuity compensation

People in receipt of annuities will receive 100 per cent compensation if their provider goes bust, the Prudential Regulation Authority has confirmed. Following a consultation the PRA says it plans to increase the long-term insurance – including annuities, pensions and life assurance – FSCS compensation limits to 100 per cent, up from 90 per cent. […]

Malcolm McLean: Don’t expect answers anytime soon

After all the hullabaloo, pension freedom is finally off the ground and running. Despite some slightly uncomfortable headlines (about a dash for cash, buying speedboats and the like) it is still too early to draw definitive conclusions as to the impact this is having and will have on pension saving generally. It will be necessary […]

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Wonga records pre-tax loss following £35m customer redress hit

Controversial payday lender Wonga has reported a pre-tax loss of £37.3m for 2014 after taking a £35m customer remediation hit following an intervention by the FCA. The firm’s full-year results for the 12 months to 31 December 2014, published today, reveal revenues plummeted 31 per cent year-on-year, from £314.7m to £217.2m, driven by a “significant […]

ISM v PMI

Ian Kernohan, Senior Economist at Royal London Asset Management, analyses the ISM v PMI and notes that the gap between them has widened recently. Read the article here The value of investments and the income from them is not guaranteed and may go down as well as up and investors may not get back the […]

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