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Jonquil Lowe

Jonquil Lowe

Senior Lecturer in Economics and Personal Finance, The Open University
Also a personal finance practitioner, working with a variety of independent, consumer-facing organisations and financial services providers, including the Money Advice Service and Which?, carrying out consultancy, commissioned research, authoring financial capability materials and creating interactive financial capability tools.

Past head of Money Research Group at Consumers' Association/Which? and past editor of research journal, Consumer Policy Review (Blackwell's/Consumers' Association).

Budget 2024: experts react to the UK government’s last roll of the economic dice ahead of a general election

Mar 07, 2024 09:24 am UTC| Insights & Views Economy

The spring budget of 2024 was widely seen as a chance for UK Chancellor Jeremy Hunt to inject some economic optimism into British politics ahead of a general election. Would he or wouldnt he cut income tax? (He wouldnt.)...

Six ways the upcoming autumn statement could affect your personal finances

Nov 19, 2023 05:55 am UTC| Politics

The UK chancellor Jeremy Hunt will have limited room for manoeuvre when he makes his autumn statement about the governments financial plans on November 22. The government is committed to supporting the Bank of Englands...

Pensions: how yours may have been affected by recent market turmoil

Oct 21, 2022 06:19 am UTC| Business

The early signs are that the financial markets have been appeased by the governments October 17 decision to reverse two-thirds of its September mini-budget tax cuts. Yields on gilts which represent long-term borrowing...

National insurance rise: what do upcoming tax changes mean for me? An expert explains

Mar 27, 2022 14:16 pm UTC| Economy

April 6 marks the start of the new 2022-23 tax year and the day most workers start to pay a new tax: the health and social care levy. For one year only, the levy will take the form of a 1.25 percentage point increase in...

Five top tips for managing your personal finances during coronavirus

Aug 01, 2020 14:58 pm UTC| Investing

When it comes to money, coronavirus has split the nation. Financial stress dominates for many of the 9.5 million employees on furlough, potentially facing unemployment as the scheme unwinds, and for those whose small...

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Economy

Latest inflation figures are good news

The U.S. economy is slowing, but not crashing. In the dismal science, this is what counts as good news. Thats the message I took away from the latest inflation data, released May 15, 2024, which showed U.S. consumer...

The budget is full of good news, but good news isn’t the same as good management

This years budget has something for everyone, with very little in the way of cuts and no new taxes. Its a classic good news pre-election budget. Whether it is too good to be true hinges on whether this budget...

Interest rates: the ugly dilemma facing Europe’s central banks – and why it’s a mistake to cut too soon

Central banks in Europe are discovering an old dilemma: when they lower interest rates because inflation is slowing down, its likely to weaken their currencies. This in turn may delay the fall in inflation towards their...

Europe is still in short-term crisis mode over Ukraine and lacks a vision for its post-war identity

Some believe that the war in Ukraine has fundamentally changed Europe, giving birth to a different kind of European order. That is, it appears to be driving structural shifts in the way Europe is run and organised that...

Mortgage prisoners: regulatory changes and low credit scores have left thousands trapped in a cycle of high payments

There are 8.5 million households in the UK who own a home with a residential mortgage, often with fixed interest rates from two to five years. Usually, when that mortgage deal ends, the borrower will move to another deal...

Politics

Why is the government proposing caps on international students and how did we get here?

The federal government is due to introduce legislation on Thursday to enable new caps on the number of international student places at educational institutions in Australia. These include universities, TAFEs and private...

Britain is not as broken as everyone seems to think

According to many politicians and commentators, the UK is in a very sorry state. Ahead of the general election expected this year, Labour leader Keir Starmer has pledged to fix broken Britain. He has spoken of his vow...

Belief in democracy is on the decline in Africa

Democracy in Africa has not had a good year. Military juntas from Mali to Niger appear to have cemented their grip on power. Sudans democratic dreams were dashed when the countrys two most powerful strongmen opted for war....

Term limits aren’t the answer

Theres no denying that the current Congress has been one of the most chaotic in recent memory. The paralysis in 2023 and 2024 over the selection of the speaker of the House helped lead to one of Congress most unproductive...

An obscure provision of Ohio law could keep Biden off the ballot there in November

President Joe Biden might not appear on the November 2024 presidential ballot in Ohio. Ohio law requires that presidential candidates be certified that is, the state must be notified that presidential candidates have been...

Science

Black holes are mysterious, yet also deceptively simple − a new space mission may help physicists answer hairy questions about these astronomical objects

Physicists consider black holes one of the most mysterious objects that exist. Ironically, theyre also considered one of the simplest. For years, physicists like me have been looking to prove that black holes are more...

Is dark matter’s main rival theory dead? There’s bad news from the Cassini spacecraft and other recent tests

One of the biggest mysteries in astrophysics today is that the forces in galaxies do not seem to add up. Galaxies rotate much faster than predicted by applying Newtons law of gravity to their visible matter, despite those...

Why are algorithms called algorithms? A brief history of the Persian polymath you’ve likely never heard of

Algorithms have become integral to our lives. From social media apps to Netflix, algorithms learn your preferences and prioritise the content you are shown. Google Maps and artificial intelligence are nothing without...

IceCube researchers detect a rare type of energetic neutrino sent from powerful astronomical objects

About a trillion tiny particles called neutrinos pass through you every second. Created during the Big Bang, these relic neutrinos exist throughout the entire universe, but they cant harm you. In fact, only one of them is...

The Mars Sample Return mission has a shaky future, and NASA is calling on private companies for backup

A critical NASA mission in the search for life beyond Earth, Mars Sample Return, is in trouble. Its budget has ballooned from US$5 billion to over $11 billion, and the sample return date may slip from the end of this...

Technology

Marathon Digital and Kenyan Gov't Collaborate to Revolutionize Renewable Energy Sector

Marathon Digital, one of the worlds largest Bitcoin mining operations, has announced a collaboration to transform Kenyas renewable energy sector. Marathon Digital and Kenyas Ministry of Energy Forge Alliance to Bolster...

Joe Biden's Stance on Pro-Crypto Legislation: Senator Lummis Speaks Out on Capitol Hill

Senator Cynthia Lummis (R-WY) warns that President Biden may veto crucial legislation despite Congresss pro-crypto stance. During a May 24 interview, she highlighted the bipartisan support and the resistance from certain...

3 Major Crypto Trends to Watch During US Memorial Day Holiday Weekend

As the US gears up for Memorial Day, the cryptocurrency market remains active, poised for significant volatility. Key trends include increased trading volumes, potential Bitcoin resilience, and impacts on the CME...

Shiba Inu (SHIB) Just Lost Critical Price Level: Panic Sets in Amid Bearish Indicators

Shiba Inu (SHIB) lost a critical price level of $0.000024, triggering panic among investors. The tokens dip below this vital support level has raised concerns, with technical indicators suggesting more potential...
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