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	<title>Mums Finance</title>
	
	<link>http://www.mumsfinance.com</link>
	<description>Finance is in the eye of the consumer</description>
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		<title>Look after your body now and save on the price of pain later.</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/WcwXqZ1K8II/opinion.htm</link>
		<comments>http://www.mumsfinance.com/look-after-your-body-now-and-save-on-the-price-of-pain-later/2010/07/22/opinion.htm#comments</comments>
		<pubDate>Thu, 22 Jul 2010 11:56:24 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Health]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=798</guid>
		<description><![CDATA[My partners&#8217;s mother is into her eighties and despite a few niggling things that go with such age she is not too bad &#8211; though the memory side of things is starting to show some wear and tear. It is a good thing though for young women these days to observe an elderly woman for [...]]]></description>
			<content:encoded><![CDATA[<p>My partners&#8217;s mother is into her eighties and despite a few niggling things that go with such age she is not too bad &#8211; though the memory side of things is starting to show some wear and tear. It is a good thing though for young women these days to observe an elderly woman for no reason other than to get an idea of how to avoid certain conditions later on&#8230;even though we think we are invincible and never going to get old.</p>
<p>Take osteoporosis for a good example; we all know that alcohol and smoking increases the risk of brittle bones later on and women are developing this condition in their forties now which is frightening. Increasingly we are seeing more supplements for <a href="http://www.jointsupplementreviews.net/">joint pain remedies</a> appearing alongside beauty cosmetics on the shelves now which tells you how much of a problem this is becoming.</p>
<p>You can look after your joints by taking omega 3&#8217;s and staying active &#8211; and don&#8217;t forget the calcium girls.</p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/WcwXqZ1K8II" height="1" width="1"/>]]></content:encoded>
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		<item>
		<title>Adding up how much it costs to live these days.</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/kCkj71lYSYk/opinion.htm</link>
		<comments>http://www.mumsfinance.com/adding-up-how-much-it-costs-to-live-these-days/2010/07/22/opinion.htm#comments</comments>
		<pubDate>Thu, 22 Jul 2010 11:49:08 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Finance UK]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=796</guid>
		<description><![CDATA[It is a final demand that will come as a shock to most of us  -  we  will pay out almost £1million to cover essential bills during our adult  lives. Currently we pay an average of £1,541.91 for gas,  electricity, telephone, mortgage or rent and food. This  equates to £18,502.86 a [...]]]></description>
			<content:encoded><![CDATA[<p>It is a final demand that will come as a shock to most of us  -  we  will pay out almost £1million to cover essential bills during our adult  lives. Currently we pay an average of £1,541.91 for gas,  electricity, telephone, mortgage or rent and food. This  equates to £18,502.86 a year, or £962,148.72 between the ages of 18 and  70. According to the price comparison website confused.com, which  questioned 3,000 people, the annual figure has risen by £642.12 in the  past 12 months, up by some 3.5 per cent.</p>
<p>Given that millions of  private sector workers have suffered a pay freeze or reduced income due  to a cut in hours, the rises are putting a real squeeze on living  standards. Just this week it emerged BT is putting up landline  call charges by 10 per cent to counter the effect of customers switching  to mobile or internet calls. And despite gas and electricity  bills being lower than a year ago, suppliers stand accused of failing to  pass on the full benefit of falls in wholesale prices.</p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/kCkj71lYSYk" height="1" width="1"/>]]></content:encoded>
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		<title>You’ve heard about halal meat – how about halal makeup…?</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/scACJvGlHOY/opinion.htm</link>
		<comments>http://www.mumsfinance.com/youve-heard-about-halal-meat-how-about-halal-makeup/2010/07/22/opinion.htm#comments</comments>
		<pubDate>Thu, 22 Jul 2010 11:46:29 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Business/The Workplace]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=794</guid>
		<description><![CDATA[And it&#8217;s all animal-products and alcohol-free! which to many of you would sound like a great thing as we are all so environmentally conscious these days.
Halal meat for Muslims has been readily available in the UK for  years, but now a business woman has gone a step further by launching a  range of [...]]]></description>
			<content:encoded><![CDATA[<p>And it&#8217;s all animal-products and alcohol-free! which to many of you would sound like a great thing as we are all so environmentally conscious these days.</p>
<p>Halal meat for Muslims has been readily available in the UK for  years, but now a business woman has gone a step further by launching a  range of halal make-up. The cosmetics &#8211; which includes  everything from lipstick to eyeliner and blusher &#8211; are made in strict  accordance with Islamic law, using plant extracts and minerals instead  of alcohol and animal products.</p>
<p>The business was started by a muslim lady named Samina Akhter living in the UK. Samina, who runs the business from her home in Birmingham, started  importing the make-up from Australia six months ago.  She now has more  than 500 customers as well as interest from America and Indonesia. The  cosmetics are shipped in from Australia and certified by the  independent Halal Certification Authority Australia. Prices range  from lipsticks for £8 to full make-up packs for £65.</p>
<p>Samina  Pure make-up is the first company in the UK to sell halal  certified make-up however I think Annita Roddick of The Body Shop got in first with the animal-friendly cosmetic range&#8230;</p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/scACJvGlHOY" height="1" width="1"/>]]></content:encoded>
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		<item>
		<title>Chemical storage – a safer option.</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/SxBKwF-zEPk/opinion.htm</link>
		<comments>http://www.mumsfinance.com/chemical-storage-a-safer-option/2010/06/30/opinion.htm#comments</comments>
		<pubDate>Wed, 30 Jun 2010 22:27:29 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=792</guid>
		<description><![CDATA[If you are like us you will have a garage &#8211; or garden shed &#8211; with shelves stacked with lots of old paint tins containing all manner of liquids, nails, screws, etc. Men tend to collect them over the years. Rather than just pouring things into an old paint tin as most of us tend [...]]]></description>
			<content:encoded><![CDATA[<p>If you are like us you will have a garage &#8211; or garden shed &#8211; with shelves stacked with lots of old paint tins containing all manner of liquids, nails, screws, etc. Men tend to collect them over the years. Rather than just pouring things into an old paint tin as most of us tend to  do, there’s the option of using a <a href="http://www.drumsofsteel.com/">stainless steel drum</a> these days which can be stored more effectively.</p>
<p>Obviously they will come in all kinds of sizes and are usually designed  for industrial use but there’s an interesting amount of industrial  chemicals in most of our homes these days. Some of those things will  simply eat through your normal paint tins as some people have found to their detriment.</p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/SxBKwF-zEPk" height="1" width="1"/>]]></content:encoded>
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		<title>The BP oil spill – anyone remember ‘Union Carbide’ by any chance…?</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/8eyfQpkXsgY/opinion.htm</link>
		<comments>http://www.mumsfinance.com/the-bp-oil-spill-anyone-remember-union-carbide-by-any-chance/2010/06/28/opinion.htm#comments</comments>
		<pubDate>Mon, 28 Jun 2010 13:37:21 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Business/The Workplace]]></category>
		<category><![CDATA[Finance UK]]></category>
		<category><![CDATA[Finance US]]></category>
		<category><![CDATA[Legal Issues]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=790</guid>
		<description><![CDATA[Just while there&#8217;s a slight lull in the self-righteous screams of a few posturing Americans over the Deepwater Horizon Oil Spill in the Gulf of Mexico in May, shall we at this point remind President Obama and US Attorney General Eric Holder of a little incident called the &#8216;Bhopal Disaster&#8217; in India back in 1984&#8230;?
Maybe [...]]]></description>
			<content:encoded><![CDATA[<p>Just while there&#8217;s a slight lull in the self-righteous screams of a few posturing Americans over the <em>Deepwater Horizon Oil Spill </em>in the Gulf of Mexico in May, shall we at this point remind President Obama and US Attorney General Eric Holder of a little incident called the <em>&#8216;Bhopal Disaster&#8217; </em>in India back in 1984&#8230;?</p>
<p>Maybe this has slipped the minds of a few American executives &#8211; but this tragedy in India at the hands of American Gas giant <em>Union Carbide </em>rates as the worst industrial catastrophe of all time. While Obama calls for British heads to roll over the BP oil spill, let&#8217;s revisit a few facts that he might do well to consider&#8230;</p>
<p><em><strong>11 </strong>people killed in accident on oil rig leased by British company BP, resulting in <strong>4 </strong>presidential visits, a <strong>$1.6bn </strong>clean-up bill and the establishment of a <strong>$20bn </strong>compensation fund in <strong>2 </strong>months.</em></p>
<p><em><strong>15,000+ </strong>people killed in accident at Indian Bhopal plant owned by American company Union Carbide, resulting in <strong>O </strong>presidential visits, <strong>O </strong>clean-up bill and just <strong>$470m </strong>compensation in <strong>25 </strong>years.</em></p>
<p>Now, shall we say <em>Pot. Kettle. Black&#8230;?</em></p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/8eyfQpkXsgY" height="1" width="1"/>]]></content:encoded>
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		<title>Got five pounds to withdraw? there’s an ATM coming to a wall near you.</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/ph79RXN7FGI/opinion.htm</link>
		<comments>http://www.mumsfinance.com/got-five-pounds-to-withdraw-theres-an-atm-coming-to-a-wall-near-you/2010/06/28/opinion.htm#comments</comments>
		<pubDate>Mon, 28 Jun 2010 12:59:31 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Bank accounts]]></category>
		<category><![CDATA[Finance UK]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=788</guid>
		<description><![CDATA[Remember the days when you could withdraw the simple amount of £5.00 from an ATM&#8230;? and then one day you could not do it anymore. I always found this to be a pain as there were times when I only had £5.00 in my account (yes, it&#8217;s been that bad at times&#8230;) and it has [...]]]></description>
			<content:encoded><![CDATA[<p>Remember the days when you could withdraw the simple amount of £5.00 from an ATM&#8230;? and then one day you could not do it anymore. I always found this to be a pain as there were times when I only had £5.00 in my account (yes, it&#8217;s been that bad at times&#8230;) and it has not helped that many banks and Building Societies now will not even let you withdraw that small account over the counter due to their minimum-withdrawal-in-branch limits. Now cash machines that only dispense the £5.00 notes, regardless of how much  money is withdrawn, are to be installed across the UK. The  nationwide introduction of small fund-only ATMs comes after support by  Bank of England bosses. They want to increase the circulation of  the notes so that less crumpled fivers are handed out as change in  shops.</p>
<p>On the other hand, while I welcome this re-introduction, charges are likely to be introduced on these smallish withdrawals and there is the possibility of the ATM&#8217;s running out of cash faster than usual. I, however, like the idea of the small-change dispenser &#8211; ever dashed in a hurry to withdraw some cash to pay for your bus ticket on a Monday morning only to get a £50.00 note pop out&#8230;? and then there&#8217;s the look on the face of the bus driver&#8230;</p>
<img src="http://feeds.feedburner.com/~r/MumsFinance/~4/ph79RXN7FGI" height="1" width="1"/>]]></content:encoded>
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		<title>Tories to cap non-european immigration – but what about the millions of EU migrants coming to the UK…?</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/suv0YZVQMjU/opinion.htm</link>
		<comments>http://www.mumsfinance.com/tories-to-cap-non-european-immigration-but-what-about-the-millions-of-eu-migrants-coming-to-the-uk/2010/06/28/opinion.htm#comments</comments>
		<pubDate>Mon, 28 Jun 2010 12:49:55 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Business/The Workplace]]></category>
		<category><![CDATA[Finance UK]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=786</guid>
		<description><![CDATA[Immigration has become the most contentious issue for the United Kingdom in recent times and played a large part in the way the people voted in the recent election. The Tories have announced a long-awaited intention to tackle the numbers of migrants coming to work and live in the UK however it will only address [...]]]></description>
			<content:encoded><![CDATA[<p>Immigration has become the most contentious issue for the United Kingdom in recent times and played a large part in the way the people voted in the recent election. The Tories have announced a long-awaited intention to tackle the numbers of migrants coming to work and live in the UK however it will only address those migrants coming from outside the EU. Obviously the new Govt has taken into consideration the social and economic problems facing the UK resulting from the vast numbers of people who have migrated here, however the new measures will fail to tackle the most significant issue &#8211; the one million citizens of EU countries who have come here since 2002 and those will continue to come here in the future.</p>
<p>EU nationals have the right of &#8216;freedom of movement&#8217; which allows them to move to, and work in, any country within the European Union &#8211; the UK by far is the most popular choice for them to make. The benefits system is favourable to them as they have the same rights to welfare benefits and free healthcare as a British person but without the requirement to have paid tax and contributions. This has to be addressed so that the UK comes into line with other EU countries like France and Spain who require ALL citizens to have paid social contributions for FIVE YEARS before any claim to benefits can be made. The UK system is too lax, too generous and too open to abuse.</p>
<p><a href="http://www.culturedviews.com/wp-content/uploads/2010/06/romabeggar.jpg"><img class="aligncenter size-full wp-image-4155" title="romabeggar" src="http://www.culturedviews.com/wp-content/uploads/2010/06/romabeggar.jpg" alt="" width="468" height="382" /></a></p>
<p>Many of the EU nationals arriving have very poor English language skills, are very often employed before a British worker at minimum rates (stay in any hotel around the UK and you will almost certainly be met at reception or have your room cleaned by eastern Europeans), the NHS has a dire problem in that it has employed thousands of non-english speaking staff from EU and non-EU countries&#8230;why? add to this the desperate situation since Romania was accepted into the EU and the crime wave that has resulted since their gypsie population have set up shop in the UK and are now running child-beggar syndicates. Here in Northern Ireland it is commonplace now to be accosted by Roma women begging <em>(above)</em> for change outside shops, ATM&#8217;s and in carparks.  EU nationals coming here cost the British taxpayer millions of pounds in social welfare (housing, healthcare, child benefit&#8230;) whereas non-EU migrants almost always have to work and pay tax&#8230;so who is more beneficial to the UK?</p>
<p>EU nationals are not counted as migrants owing to the freedom of movement policy, they are not counted &#8216;in&#8217; and they are not counted &#8216;out&#8217; when they leave so statistics counting them are often conservative. As it stands for example, a well qualified Australian or New Zealand citizen &#8211; Commonwealth citizens no less &#8211; will find it extremely difficult in the future to secure a working visa to come to the UK whereas illiterate, poorly-skilled Polish, Slovakians, Romanians will be able to enter the UK, and work, at will. Is this really what is best for the UK&#8230;? by all means cap migration for a period but by the same token measures MUST be taken to make the UK a far less lucrative option for those coming here from impoverished EU nations simply to take advantage of a welfare system British taxpayers work hard to finance. The UK cannot afford it any longer, regardless of anyone&#8217;s right to be here.</p>
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		<title>To buy or to rent…the formal suit that is.</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/B51qJCxsqz0/opinion.htm</link>
		<comments>http://www.mumsfinance.com/to-buy-or-to-rent-the-formal-suit-that-is/2010/06/26/opinion.htm#comments</comments>
		<pubDate>Sat, 26 Jun 2010 22:02:18 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=784</guid>
		<description><![CDATA[My sons are reaching milestones left right and centre at the moment. My youngest has come to the end of his very first school year, my second youngest has spent his first year in an english-speaking school (long story&#8230;) and has seen his reading and writing skills improve 200%. My teenager has just completed his [...]]]></description>
			<content:encoded><![CDATA[<p>My sons are reaching milestones left right and centre at the moment. My youngest has come to the end of his very first school year, my second youngest has spent his first year in an english-speaking school (long story&#8230;) and has seen his reading and writing skills improve 200%. My teenager has just completed his first GCSE year and is looking forward to year 12 in September. That means&#8230;the formal dinner dance sometime around May next year.</p>
<p>I have already set aside a &#8216;kitty&#8217; for that special occasion. I intend to buy him the whole shebang&#8230;formal suit &#8211; I am not sure about the <a href="http://www.ties-necktie.com/">mens ties</a> so have to see what young men wear with a suit these days &#8211; and a sharp pair of shoes for him of course. You can ask yourself if it is better to hire a suit or should you splash out and buy a good one, all depends on whether your teen has completed his growing. My son is 6ft 2&#8243; and I&#8217;d say at 17 he is just about done as far as height is concerned so the suit I buy just may do him for other occasions over the next few years. The worry is they might have a final growth spurt and your expensive suit is rendered useless. Anyway, this is special occasion for him and only the best will do <img src='http://www.mumsfinance.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>Does it take a miracle to lose weight fast…?</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/PC1uWxF8Huo/opinion.htm</link>
		<comments>http://www.mumsfinance.com/does-it-take-a-miracle-to-lose-weight-fast/2010/06/24/opinion.htm#comments</comments>
		<pubDate>Thu, 24 Jun 2010 22:13:41 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Health]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=781</guid>
		<description><![CDATA[You’re not the only one of course and there’s a massive industry out  there aimed at selling you the one sure way of losing weight.
Naturally, there isn’t one. It’s not that there aren’t pills and  potions that will help you lose weight, it’s that there are lots of  different ones around each [...]]]></description>
			<content:encoded><![CDATA[<p>You’re not the only one of course and there’s a massive industry out  there aimed at selling you the one sure way of losing weight.</p>
<p>Naturally, there isn’t one. It’s not that there aren’t pills and  potions that will help you lose weight, it’s that there are lots of  different ones around each of them working on different principles. For  example, you can get pills which absorb fat which work wonderfully if  you eat a diet with lots of fat or there are those that aim to speed up  your metabolism which helps if you are like many people and spend a lot of the day  relatively inactive behind a desk and then there’s the likes of websites like <a href="http://www.loseweightfast.net/">www.loseweightfast.net</a> which try to be all things  to everyone in the way of advice.</p>
<p>So, yes, the diet pills do work but so does the simple act of cutting down and exercising more &#8211; as far as pills go though you need to find the one that  targets the reason behind your weight. Bear in mind too that for many of  them the effect wears off after a while.</p>
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		<title>The Bloodbath Budget we had to have – thanks to Labour…</title>
		<link>http://feedproxy.google.com/~r/MumsFinance/~3/2kwb_m-Du9U/opinion.htm</link>
		<comments>http://www.mumsfinance.com/the-bloodbath-budget-we-had-to-have-thanks-to-labour/2010/06/23/opinion.htm#comments</comments>
		<pubDate>Wed, 23 Jun 2010 12:05:47 +0000</pubDate>
		<dc:creator>Wendy</dc:creator>
				<category><![CDATA[Finance UK]]></category>

		<guid isPermaLink="false">http://www.mumsfinance.com/?p=778</guid>
		<description><![CDATA[Call it whatever you will: the budget-we-had-to-have or the budget-that-13-years-of-wilful-Labour-spending-made-necessary&#8230;but the overriding message is perfectly clear &#8211; the benefits gravy train that so many enjoyed a free ride on for so long and for doing so little has come to an end.
And about bloody time too!
It is a tough budget but for those who are [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.culturedviews.com/wp-content/uploads/2010/06/tightbudget.gif"><img class="alignleft size-full wp-image-4122" title="tightbudget" src="http://www.culturedviews.com/wp-content/uploads/2010/06/tightbudget.gif" alt="" width="200" height="278" /></a>Call it whatever you will: the budget-we-had-to-have <em>or </em>the budget-that-13-years-of-wilful-Labour-spending-made-necessary&#8230;but the overriding message is perfectly clear &#8211; the benefits gravy train that so many enjoyed a free ride on for so long and for doing so little has come to an end.</p>
<p><em>And about bloody time too!</em></p>
<p>It is a tough budget but for those who are already living with their belts tightened to the max the changes will make little difference to their lives, those who flourished under the irresponsible social disaster that was the welfare spending of the Labour Party will feel the pinch the most. Time to get off those bums, turn off the Jeremy Kyle show and start earning a living! VAT will see an increase of 3% but will that stop the High Street devotees on their Saturday morning shopping sprees&#8230;? I doubt it &#8211; people will still spend so long as the must-haves exist. People will still buy their booze and fags, the latest console games will fly off the shelves when they hit the stores &#8211; few British children will go unindulged, heaven forbid.</p>
<p>As Harriet Harman shrieks and yells in protest from the other side of the Floor she fails to remember that had her Govt not been so busy throwing taxpayers money at the lazy, feckless and workshy for 13 years for doing nothing other than breeding children in homes which would never see an adult go out to work, then this budget would not need to be of the &#8216;damage control&#8217; type that it is. The benefits system desperately needs reform, reducing and redressing &#8211; to stop it becoming a lifestyle choice and to stop it being the pot of gold at the end of the rainbow for so many eastern Europeans and asylum seekers who come here for no other reason.</p>
<p>Judging by Harman&#8217;s response it is clear that had Labour retained Govt the United Kingdom would be in the hands of Administrators before the end of the year.</p>
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