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Showing posts from February, 2019

The Post War Welfare State is crumbling - who is to blame for it?

The Current welfare state changed in such a way that a true reflection is required as to how this has come about and its context.

Post Second World War, the Attlee government nationalised the Bank of England, the coal industry, the Central Electricity Generating Board and area electricity boards, Cable & Wireless Ltd, the railways and the local authority gas supply undertakings in England and Scotland. It introduced free education for all by nationalising institutions which were either provided by parishes or philanthropists. The National Health Service was formed and made accessible to everyone regardless of ability to pay.  
If you were unemployed there was infrastructure to support you when you could not afford to pay by creating the welfare system as you see today. The expenses of running such a nationalised state was met by cheap loans borrowed from overseas, contributions made by tax payers and companies in times when Britain was losing imperial dominance. Post war employment …

Universal Credit Workshop at the Community Hub, Wood Green, London

Pension & Universal Credit on Your Money Matters show (19/02/2018)

Pension: Since auto-enrolment began in the UK in 2012, we are beginning to properly save for our retirement. On this show, Robert Parker - Chair of the Personal Financial Society - talks about the differences between state and private pension, risks that are involved with investing in stocks and shares and many more issues related to your pension.


Universal Credit:How do you apply for such a benefit? What is the condition for applying? What is included as part of the claim and what does it not include? I talk about all the above issues and more. If you want to find out more about my work: www.communitymoneymatters.com

Unite Community Clacton Public Meeting on Universal Credit on 30th April - Know Your Rights!

North & East London General Branch invited me to speak about Universal Credit on 9th March 2019 in Finsbury Park

Meg Hillier, Hackney South & Shoreditch MP and Chair of the Public Accounts Committee in Parliament, and Ripon Ray, debt expert, speaking about Universal Credit! Feel free to attend the workshop!

New Poster for Your Money Matters Show!

Your Money Matters...with Ripon Ray (12/02/2019)

This week, on 12 February 2019, I talk about the cost of being a student. It's a well known fact that the life of a student involves getting into debt: you have to get a loan from the Student Loans Company, an overdraft or a loan from a bank. Maybe, your parents are the bank by default. If you plan ahead you may find ways to minimise debt accumulating. It does involve preparation, preparation and lots more preparation. If you plan early on you could sail through with comfort. For some of you getting a part time job maybe inevitable. Why not try at your university or places near where you study to ease the financial pressure and save time?

On this weekly show you can find out potential grants, scholarship and bursaries available for your course and how can get hold of these benefits. You might be able to get grants by searching on Turn2us.org.uk or individual employers may have funds. Budgeting money would also take you a long way. How do you budget? If you start budgeting now y…

Your Money Matters...with Ripon Ray - Hire Purchase Agreements

This time I talk about hire purchase agreements. What does a hire purchase agreement mean to you? How does it work ? Will you pay too much on the agreement? Before you decide whether you want to enter into such an agreement, you need to find out what it means.
On this show you will find out how it works, ways to get hold of cheaper agreements and what happens when break such an agreed term.