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	<title>standard of living Archives - Philip J Milton &amp; Company Plc</title>
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	<title>standard of living Archives - Philip J Milton &amp; Company Plc</title>
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	<item>
		<title>Inflation, deflation and market views</title>
		<link>https://www.miltonpj.net/2024/02/16/inflation-deflation-global-markets-2024/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Fri, 16 Feb 2024 10:00:00 +0000</pubDate>
				<category><![CDATA[Philip's Comments]]></category>
		<category><![CDATA[forecasts]]></category>
		<category><![CDATA[UK stock market]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[stock market history]]></category>
		<category><![CDATA[Philip J Milton]]></category>
		<category><![CDATA[Philip J Milton comment]]></category>
		<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[stock market trends]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[financial market]]></category>
		<category><![CDATA[financial crash]]></category>
		<category><![CDATA[economic forecasts]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11068</guid>

					<description><![CDATA[<p>US inflation figures are higher than hoped (3.1% v 2.9% expected), jolting the market again and pushing Euro:Sterling to the highest since August 2022 and strengthening the Dollar. Our inflation at 4% was slightly less than expected but we have now entered ‘Recession’ with ‘two quarters of negative growth’ – good in attacking inflation but [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/02/16/inflation-deflation-global-markets-2024/">Inflation, deflation and market views</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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		<item>
		<title>Are you confident about your retirement plan?</title>
		<link>https://www.miltonpj.net/2024/02/07/are-you-confident-about-your-retirement-finances/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 07 Feb 2024 14:42:15 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[pension age]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[stock market history]]></category>
		<category><![CDATA[state pension age]]></category>
		<category><![CDATA[Philip J Milton comment]]></category>
		<category><![CDATA[financial market]]></category>
		<category><![CDATA[forecasts]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[dividend percentage]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[pension pot]]></category>
		<category><![CDATA[pension savings]]></category>
		<category><![CDATA[Philip J Milton]]></category>
		<category><![CDATA[retirement advice]]></category>
		<category><![CDATA[state pension]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11064</guid>

					<description><![CDATA[<p>A recent study by Standard Life has shown that less than one in 10 of those aged over 65 feel confident about managing their retirement finances. Retirement is of course an uncertain time for many people, whether financially or simply the trepidation of entering the unknown and perhaps not knowing how you might spend your [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/02/07/are-you-confident-about-your-retirement-finances/">Are you confident about your retirement plan?</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
]]></description>
		
		
		
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		<item>
		<title>Consumer confidence</title>
		<link>https://www.miltonpj.net/2024/02/07/consumer-confidence-rises-despite-negativity/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 07 Feb 2024 14:34:32 +0000</pubDate>
				<category><![CDATA[Philip's Comments]]></category>
		<category><![CDATA[financial market]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[economic forecasts]]></category>
		<category><![CDATA[forecasts]]></category>
		<category><![CDATA[UK stock market]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[Philip J Milton]]></category>
		<category><![CDATA[UK tax]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[Philip J Milton comment]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[trusts]]></category>
		<category><![CDATA[standard of living]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11057</guid>

					<description><![CDATA[<p>‘Consumer Confidence’ has risen for the third month and now at a two-year high, regardless of what negativity you may hear in the media. This seems to be supported by buoyant consumer spending since last autumn as well. It’s good, as it will reflect in economic output but will too much enthusiasm dampen the Chancellor’s [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/02/07/consumer-confidence-rises-despite-negativity/">Consumer confidence</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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		<item>
		<title>Are you saving your money with a bit of savvy?</title>
		<link>https://www.miltonpj.net/2024/01/24/savers-missing-out-on-billions-in-cash/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 24 Jan 2024 10:00:00 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[Philip J Milton & Company Plc]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[Philip Milton Comment]]></category>
		<category><![CDATA[ISAs]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[Cash ISAs]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[saving accounts]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[high rate]]></category>
		<category><![CDATA[savers]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[standard of living]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11054</guid>

					<description><![CDATA[<p>Did you know that savers in the UK have missed out on a combined total of £6.9billion in returns from their savings in 2023? Recent Bank of England data has shown that on average UK adults held some £235bn in current accounts that do not pay any interest. Consumer finance website Money Age reported that [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/01/24/savers-missing-out-on-billions-in-cash/">Are you saving your money with a bit of savvy?</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
]]></description>
		
		
		
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		<item>
		<title>Financial predictions for 2024?</title>
		<link>https://www.miltonpj.net/2024/01/15/financial-prediction-for-2024/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Mon, 15 Jan 2024 10:00:00 +0000</pubDate>
				<category><![CDATA[Philip's Comments]]></category>
		<category><![CDATA[FTSE100]]></category>
		<category><![CDATA[Philip Milton Comment]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[dividend percentage]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[cryptocurrency]]></category>
		<category><![CDATA[Philip J Milton & Company Plc]]></category>
		<category><![CDATA[Bitcoin]]></category>
		<category><![CDATA[currencies]]></category>
		<category><![CDATA[value investment]]></category>
		<category><![CDATA[Private Equity]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[looking ahead]]></category>
		<category><![CDATA[new year]]></category>
		<category><![CDATA[financial adviser]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11016</guid>

					<description><![CDATA[<p>Ominous Bitcoin So the SEC has approved 11 ETFs which invest in Bitcoin. First of all, don’t worry – we shan’t be buying them. Bitcoin is not an ‘asset’ and has nebulous, proven legitimate value and use. This ‘development’ is added to the latest speculative explosion about ‘AI’ (which of course has myriad applications and [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/01/15/financial-prediction-for-2024/">Financial predictions for 2024?</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
]]></description>
		
		
		
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		<item>
		<title>Inflation drops more than expected for New Year</title>
		<link>https://www.miltonpj.net/2024/01/03/inflation-drops-more-than-expected-for-new-year/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 03 Jan 2024 10:00:00 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[looking ahead]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[FTSE100]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[Philip J Milton & Company Plc]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[property market]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[2024]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[inflation fall]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=11048</guid>

					<description><![CDATA[<p>Inflation has fallen more sharply and sooner than expected, as 2023 gives way to 2024. It fell to 3.9% in the year to November, dropping more than anticipated from 4.9% in October, according to the latest data from the Office for National Statistics (ONS). Consumer prices index (CPI) inflation has now fallen by nearly 7%, [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2024/01/03/inflation-drops-more-than-expected-for-new-year/">Inflation drops more than expected for New Year</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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		<title>What will the Autumn Statement mean for you and the UK?</title>
		<link>https://www.miltonpj.net/2023/11/29/what-will-the-autumn-statement-mean-for-you-and-the-uk/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 29 Nov 2023 10:00:00 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[Autumn Statement]]></category>
		<category><![CDATA[chancellor]]></category>
		<category><![CDATA[looking ahead]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[cost of living]]></category>
		<category><![CDATA[ISAs]]></category>
		<category><![CDATA[high inflation]]></category>
		<category><![CDATA[Financial planning]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=10979</guid>

					<description><![CDATA[<p>The much-anticipated Chancellor’s Autumn Statement on Wednesday contained some good news for workers and measures that will help ISA savers and investors, but the overall effects on the UK economy remain to be seen. Chancellor Jeremy Hunt announced he was cutting the rate of National Insurance from 12% to 10%. This will be effective from [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2023/11/29/what-will-the-autumn-statement-mean-for-you-and-the-uk/">What will the Autumn Statement mean for you and the UK?</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
]]></description>
		
		
		
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		<item>
		<title>How much do you need for a ‘comfortable’ retirement?</title>
		<link>https://www.miltonpj.net/2023/08/03/how-much-do-you-need-for-retirement/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Thu, 03 Aug 2023 14:00:36 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[state pension]]></category>
		<category><![CDATA[retirement age]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[pension pot]]></category>
		<category><![CDATA[Philip J Milton & Company Plc]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=10782</guid>

					<description><![CDATA[<p>UK residents need at least an extra £26,000 in addition to their State Pension to live a ‘comfortable’ lifestyle during their retirement, according to recent data. The research was carried out by Standard Life, which used the MoneyHelper annuity tool from www.moneyhelper.org.uk to work out how much people would need in their pension pot to [&#8230;]</p>
<p>The post <a href="https://www.miltonpj.net/2023/08/03/how-much-do-you-need-for-retirement/">How much do you need for a ‘comfortable’ retirement?</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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		<title>Pension customers ‘overpaying’ thousands in temporary tax</title>
		<link>https://www.miltonpj.net/2023/05/10/pension-customers-overpaying-thousands-in-temporary-tax/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Wed, 10 May 2023 14:17:00 +0000</pubDate>
				<category><![CDATA[Weekly Columns]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[pension pot]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[pension savings]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=10582</guid>

					<description><![CDATA[<p>The post <a href="https://www.miltonpj.net/2023/05/10/pension-customers-overpaying-thousands-in-temporary-tax/">Pension customers ‘overpaying’ thousands in temporary tax</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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		<title>Coronation, cost of living &#038; currency</title>
		<link>https://www.miltonpj.net/2023/05/09/coronation-cost-of-living-currency/</link>
		
		<dc:creator><![CDATA[Philip J Milton &#38; Company Plc]]></dc:creator>
		<pubDate>Tue, 09 May 2023 13:37:38 +0000</pubDate>
				<category><![CDATA[Philip's Comments]]></category>
		<category><![CDATA[Philip J Milton]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[standard of living]]></category>
		<category><![CDATA[coronation]]></category>
		<category><![CDATA[kings coronation]]></category>
		<category><![CDATA[Philip Milton Comment]]></category>
		<guid isPermaLink="false">https://www.miltonpj.net/?p=10550</guid>

					<description><![CDATA[<p>The post <a href="https://www.miltonpj.net/2023/05/09/coronation-cost-of-living-currency/">Coronation, cost of living &amp; currency</a> appeared first on <a href="https://www.miltonpj.net">Philip J Milton &amp; Company Plc</a>.</p>
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