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		<title>lovemoney.com blogs - Bowsher's Blog</title>
		<link>http://www.lovemoney.com</link>
		<description>I'm Ed Bowsher and I'm a commentator at lovemoney.com. Here's my take on money, finance and anything else that takes my fancy.</description>
		<language>en-gb</language>
		<copyright>Copyright 2008-2010 lovemoney.com. All rights reserved.</copyright>
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			<url>http://www.lovemoney.com/Images/Global/HeaderLogoOnWhite.gif</url>
			<title>lovemoney.com</title>
			<link>http://www.lovemoney.com</link>
			<width>300</width>
			<height>50</height>
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        <item>
		    <title>
		        <![CDATA[HSBC's 1.99% mortgage deals isn't best deal for many borrowers]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/hsbcs-199-mortgage-deals-isnt-best-deal-for-many-borrowers-3067.aspx]]>
            </link>
            <description>
	            <![CDATA[HSBC's decision to relaunch its 1.99% mortgage will deliver a welcome boost to the mortgage market. But it won't be the best deal for many borrowers. ]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 11 Mar 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Women are more careful with money than men]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/women-are-more-careful-with-money-than-men-3064.aspx]]>
            </link>
            <description>
	            <![CDATA[Our research shows that when it comes to cash, women are the more sensible sex.]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 11 Mar 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Don't let HSBC bully you!]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/dont-let-hsbc-bully-you-3061.aspx]]>
            </link>
            <description>
	            <![CDATA[HSBC is refusing to provide a simple service to its customers until they've seen an HSBC mortgage advisor. This is monstrous behaviour!]]>
            </description>
            <pubDate>
                <![CDATA[Fri, 05 Mar 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Have you ever been punished for complaining?]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/have-you-ever-been-punished-for-complaining-3056.aspx]]>
            </link>
            <description>
	            <![CDATA[Have you ever complained to a retailer and then been put on a 'blacklist' by that retailer afterwards?]]>
            </description>
            <pubDate>
                <![CDATA[Tue, 02 Mar 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Mortgage borrowers switching to variable rates]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/mortgage-borrowers-switching-to-variable-rates-3053.aspx]]>
            </link>
            <description>
	            <![CDATA[A rising percentage of mortgage borrowers are going for variable rate mortgages. This is a risky move.]]>
            </description>
            <pubDate>
                <![CDATA[Fri, 26 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Economy still looks very shaky]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/economy-still-looks-very-shaky-3051.aspx]]>
            </link>
            <description>
	            <![CDATA[A legendary investor thinks we could see another Lehman-style collapse later this year.]]>
            </description>
            <pubDate>
                <![CDATA[Fri, 26 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Don't panic about inflation]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/dont-panic-about-inflation-3038.aspx]]>
            </link>
            <description>
	            <![CDATA[The recession is a bigger threat.]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 18 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Spice Girls still rule]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/spice-girls-still-rule-3037.aspx]]>
            </link>
            <description>
	            <![CDATA[The headline says it all.....]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 18 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Job figures show recession could return]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/job-figures-show-recession-could-return-3035.aspx]]>
            </link>
            <description>
	            <![CDATA[Today's unexpectedly poor job numbers show that the threat of a double-dip recession is still real. ]]>
            </description>
            <pubDate>
                <![CDATA[Wed, 17 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Interest rates will stay low]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/interest-rates-will-stay-low-3024.aspx]]>
            </link>
            <description>
	            <![CDATA[The Bank of England's latest inflation report just strengthens my view that interest rates will probably stay low for some time to come.]]>
            </description>
            <pubDate>
                <![CDATA[Wed, 10 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Financial talk not welcome on Facebook]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/financial-talk-not-welcome-on-facebook-3023.aspx]]>
            </link>
            <description>
	            <![CDATA[Check out the results of our survey on what people use Facebook for....]]>
            </description>
            <pubDate>
                <![CDATA[Wed, 10 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Northern Rock savers shouldn't worry]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/northern-rock-savers-shouldnt-worry-3021.aspx]]>
            </link>
            <description>
	            <![CDATA[The unlimited guarantee for Northern Rock savers may end soon, but account holders shouldn't worry.]]>
            </description>
            <pubDate>
                <![CDATA[Wed, 10 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Structured products get some deserved stick]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/structured-products-get-some-deserved-stick-3019.aspx]]>
            </link>
            <description>
	            <![CDATA[One highly successful investment professional has called for structured products to be banned.]]>
            </description>
            <pubDate>
                <![CDATA[Fri, 05 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Printing money was the right thing to do]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/printing-money-was-the-right-thing-to-do-3014.aspx]]>
            </link>
            <description>
	            <![CDATA[It's fashionable to knock the Bank of England's money-printing programme, but I still think it was a positive move. Expect the base rate to stay low this year. ]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 04 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Osborne is wrong on stamp duty]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/osborne-is-wrong-on-stamp-duty-3010.aspx]]>
            </link>
            <description>
	            <![CDATA[George Osborne is focusing on the wrong problem when it comes to stamp duty.]]>
            </description>
            <pubDate>
                <![CDATA[Wed, 03 Feb 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Credit card companies announce backdown]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/credit-card-companies-announce-backdown-2986.aspx]]>
            </link>
            <description>
	            <![CDATA[The banks have offered to reform the biggest credit card rip-off. It's a welcome move, but they could do more.]]>
            </description>
            <pubDate>
                <![CDATA[Tue, 19 Jan 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Inflation is up but base rate won't move just yet]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/inflation-is-up-but-base-rate-wont-move-just-yet-2985.aspx]]>
            </link>
            <description>
	            <![CDATA[Inflation has jumped 1% which is bad news for savers. But the news isn't a huge surprise and I suspect the base rate won't rise in the very near future.]]>
            </description>
            <pubDate>
                <![CDATA[Tue, 19 Jan 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Obama's smart bank tax]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/obamas-smart-bank-tax-2981.aspx]]>
            </link>
            <description>
	            <![CDATA[Barack Obama's planned bank tax is very smart. It will encourage banks to stick to their knitting and might even boost rates on savings accounts. ]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 14 Jan 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Mortgage multiples could rise]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/mortgage-multiples-could-rise-2976.aspx]]>
            </link>
            <description>
	            <![CDATA[Nationwide is changing the way it decides how much it's willing to lend to a borrower. Some people will be able to borrow more as a result.]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 14 Jan 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
        <item>
		    <title>
		        <![CDATA[Private vs. State]]>
            </title>
		    <author>
		        <![CDATA[Ed Bowsher]]>
            </author>
            <link>
	            <![CDATA[http://www.lovemoney.com/blog/edbowsher/private-vs-state-2975.aspx]]>
            </link>
            <description>
	            <![CDATA[Here's why private schools are rarely just a little bit better than state schools.]]>
            </description>
            <pubDate>
                <![CDATA[Thu, 14 Jan 2010 00:00:00 GMT]]>
            </pubDate>
        </item>
        
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