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	<title>FTAdviser.com Blogs</title>
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	<pubDate>Mon, 05 Jan 2009 13:47:40 +0000</pubDate>
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		<title>Another adviser roller coaster in 2009?</title>
		<link>http://blog.ftadviser.com/?p=567</link>
		<comments>http://blog.ftadviser.com/?p=567#comments</comments>
		<pubDate>Mon, 05 Jan 2009 13:07:26 +0000</pubDate>
		<dc:creator>james kenny</dc:creator>
		
		<category><![CDATA[Young Adviser]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=567</guid>
		<description><![CDATA[The year 2008 was a rodeo for IFAs. As well as dealing with the affects of the credit crunch on their businesses, they also had to deal with the latest developments in the RDR.
In its final report in November, the FSA did not go as far as to completely split &#8217;sales&#8217; and &#8216;advice&#8217;, but proposed [...]]]></description>
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		<title>New year, new lending outlook?</title>
		<link>http://blog.ftadviser.com/?p=562</link>
		<comments>http://blog.ftadviser.com/?p=562#comments</comments>
		<pubDate>Fri, 02 Jan 2009 14:42:54 +0000</pubDate>
		<dc:creator>gemma.westacott</dc:creator>
		
		<category><![CDATA[Speakers' Corner]]></category>

		<category><![CDATA[Spotlight]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=562</guid>
		<description><![CDATA[Well it might be a new year, but like the hangover that many of us were feeling yesterday, unfortunately the financial and economic woes of 2008 are still hanging around like a bad smell.
Just like pretty much all of the 366 days of 2008, the first official &#8216;working&#8217; day of 2009 has brought more financial [...]]]></description>
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		<title>Goodbye incapacity benefit – hello income protection?</title>
		<link>http://blog.ftadviser.com/?p=553</link>
		<comments>http://blog.ftadviser.com/?p=553#comments</comments>
		<pubDate>Wed, 31 Dec 2008 11:07:30 +0000</pubDate>
		<dc:creator>Industry commentator</dc:creator>
		
		<category><![CDATA[Other People's Money]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=553</guid>
		<description><![CDATA[The phasing out of incapacity benefit and overhaul of the benefits system by the Government has now begun. 
From now on, any new claimants will receive the replacement benefit – Employment and Support Allowance (ESA). Current claimants will be moved over to the new scheme within five years. 
The reforms mean people will have to [...]]]></description>
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		<title>Should auld acquaintance be forgot?</title>
		<link>http://blog.ftadviser.com/?p=551</link>
		<comments>http://blog.ftadviser.com/?p=551#comments</comments>
		<pubDate>Wed, 31 Dec 2008 10:42:30 +0000</pubDate>
		<dc:creator>emma hughes</dc:creator>
		
		<category><![CDATA[Home on the Range]]></category>

		<category><![CDATA[Spotlight]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=551</guid>
		<description><![CDATA[In between yuletide festivities I managed to catch a Christmas special of Rab C Nesbitt that showed how different the end of 2008 is to the closing moments of recent years. 
The Glaswegian armchair philosopher observed he was far fitter in his new role as a house husband than we was when he sat on [...]]]></description>
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		<title>What to wish for in 2009</title>
		<link>http://blog.ftadviser.com/?p=547</link>
		<comments>http://blog.ftadviser.com/?p=547#comments</comments>
		<pubDate>Tue, 30 Dec 2008 12:14:31 +0000</pubDate>
		<dc:creator>Sharon Flaherty</dc:creator>
		
		<category><![CDATA[Speakers' Corner]]></category>

		<category><![CDATA[Spotlight]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=547</guid>
		<description><![CDATA[Looking into her crystal ball last month, in Glasgow, a “psychic” told me that 2009 was going to be a good year for me. 
And that’s something I’m quite looking forward to. Not that 2008 was particularly bad, but I’m hoping 2009 will be better.
That’s because I’m praying 2009 will be the year I can [...]]]></description>
		<wfw:commentRss>http://blog.ftadviser.com/?feed=rss2&amp;p=547</wfw:commentRss>
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		<title>2008 – year from heaven or hell for young advisers?</title>
		<link>http://blog.ftadviser.com/?p=544</link>
		<comments>http://blog.ftadviser.com/?p=544#comments</comments>
		<pubDate>Mon, 29 Dec 2008 10:48:13 +0000</pubDate>
		<dc:creator>stephen wilmot</dc:creator>
		
		<category><![CDATA[Young Adviser]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=544</guid>
		<description><![CDATA[As 2008 draws to a close, it is time to ask whether the credit crunch has helped or hindered the young adviser campaign.
On the one hand, as our last two entries have discussed, there are pitifully few flashy packages under the employment Christmas tree this year. 
On the other, awareness of financial services, and the [...]]]></description>
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		<title>2008: Annus horribilis?</title>
		<link>http://blog.ftadviser.com/?p=539</link>
		<comments>http://blog.ftadviser.com/?p=539#comments</comments>
		<pubDate>Wed, 24 Dec 2008 11:57:25 +0000</pubDate>
		<dc:creator>Catherine Couch</dc:creator>
		
		<category><![CDATA[Home on the Range]]></category>

		<category><![CDATA[Spotlight]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=539</guid>
		<description><![CDATA[Who would have thought at the beginning of 2008 that redundancies, mergers &#038; acquisitions and government bailouts would become common occurrences?
In a year that rocked the mortgage world straight to its core, we have seen large banking groups borrow billions of pounds from the government, stalwarts of the financial industry collapse and HBoS, once the [...]]]></description>
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		<title>Seeking out other opportunities: Gerry Warner</title>
		<link>http://blog.ftadviser.com/?p=537</link>
		<comments>http://blog.ftadviser.com/?p=537#comments</comments>
		<pubDate>Wed, 24 Dec 2008 10:33:46 +0000</pubDate>
		<dc:creator>Industry commentator</dc:creator>
		
		<category><![CDATA[Other People's Money]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=537</guid>
		<description><![CDATA[Whilst the Chancellor’s Pre-Budget Report doesn’t seem to have done much to re-ignite the housing market, there are at least a number of opportunities for advisers, whether they’re pure mortgage brokers or those who erstwhile have concentrated on mortgage or family protection sales.
Advisers should be considering wider opportunities in the market place and there are [...]]]></description>
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		<title>Skills shortage vanishes up the chimney?</title>
		<link>http://blog.ftadviser.com/?p=531</link>
		<comments>http://blog.ftadviser.com/?p=531#comments</comments>
		<pubDate>Mon, 22 Dec 2008 13:49:33 +0000</pubDate>
		<dc:creator>Anna Lawlor</dc:creator>
		
		<category><![CDATA[Spotlight]]></category>

		<category><![CDATA[Young Adviser]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=531</guid>
		<description><![CDATA[For fear of being the IA Christmas Grinch, there is one large, unwrapped elephant stood next to the Christmas tree in many graduate advisers’ homes this week: the promised financial services job they were told they were needed to fill may have vanished up the chimney.
In a November IA interview, Simon Culhane, chief executive of [...]]]></description>
		<wfw:commentRss>http://blog.ftadviser.com/?feed=rss2&amp;p=531</wfw:commentRss>
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		<title>Seasonal letter to the editor</title>
		<link>http://blog.ftadviser.com/?p=529</link>
		<comments>http://blog.ftadviser.com/?p=529#comments</comments>
		<pubDate>Fri, 19 Dec 2008 13:33:41 +0000</pubDate>
		<dc:creator>Janet Walford</dc:creator>
		
		<category><![CDATA[Walford's World]]></category>

		<guid isPermaLink="false">http://blog.ftadviser.com/?p=529</guid>
		<description><![CDATA[Madam ,
I was a financial adviser for 10 years up to 1988 but, finding myself increasingly disillusioned with what was happening in the personal finance industry, I successfully volunteered for a place on a 20 year expedition to Planet Zog to bring life assurance to the Zogians. I was hoping that, on my return, things [...]]]></description>
		<wfw:commentRss>http://blog.ftadviser.com/?feed=rss2&amp;p=529</wfw:commentRss>
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