Merryn’s blog

People don’t actually buy cars any more, and that could turn out to be a very bad thing

The way people buy cars has changed. Most use “personal contract plans” – a form of cheap debt. And that could come back to haunt us, says Merryn Somerset Webb.

Defined benefits pensions could leave business owners destitute

The hypothetical deficits in some defined-benefits pension schemes could leave blameless small business owners facing bankruptcy, says Merryn Somerset Webb.

Why modern monetary policy doesn't work – the models it uses are horribly out of date

The Bank of England’s monetary policy isn’t working the way it’s supposed to, says Merryn Somerset Webb. The whole thing needs a thorough overhaul.

The gig economy and the death of tipping

The rise of the cashless society and the “gig economy” has led to a decline in the rate of tipping. It raises a lot of interesting social questions, says Merryn Somerset Webb.

We should give “education vouchers” for parents to spend on schools as they wish

Why not give every parent a voucher for £5,500 to spend on free state education or as a top-up for a private education?

The trouble with using bond yields to calculate pension fund liabilities

Defined-benefit pension funds calculate their liabilities using gilt yields as an indicator of the long-term return they are likely to get. But that could expose them to a whole lot of new problems, says Merryn Somerset Webb.

Philip Hammond's looking for market failure – he'll find it in the fund management sector

After intervening in the “market failure” of lettings fees for tenants, Philip Hammond should turn his attention to fund management fees, says Merryn Somerset Webb.

Brexit: how it is saving the Union

Scots are keen on the EU, but not enough to leave the UK to join it. Given the choice between the UK and the EU, they choose the UK, says Merryn Somerset Webb.

The four freedoms: not set in stone, not universally adhered to, and not necessary for single market access

A persistent myth about the EU is that there is no flexibility on the “four freedoms.” But there are plenty of exceptions that prove this isn’t true, says Merryn Somerset Webb.

UK regions should issue their own work permits after Brexit

The UK should be able to offer region-specific work permits after we leave the EU, says Merryn Somerset Webb.

Brexit won't drive tech companies out of Britain

Britain’s tech companies aren’t likely to up sticks and move to Berlin just because of Brexit, says Merryn Somerset Webb.

Trump didn’t so much win the US election as Clinton lost it

Donald Trump didn’t win the US election because a lot of extra voters were swayed to the Republican cause. He won because Democrats failed to vote for Hillary Clinton.

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Merryn

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