Lock In
| Use attributes for filter ! | |
| Originally published | August 26, 2014 |
|---|---|
| Authors | John Scalzi |
| Preceded by | Unlocked: An Oral History of Haden's Syndrome |
| Followed by | Head On |
| Page count | 336 |
| Genres | Novel |
| Science Fiction | |
| Horror Fiction | |
| Police Procedural | |
| Date of Reg. | |
| Date of Upd. | |
| ID | 2415838 |
About Lock In
Lock In is a science fiction police procedural novel by American writer John Scalzi. The book was published by Tor Books 0n August 26, 2014. The audiobook of the novel was released in two versions, one narrated by Wil Wheaton and the other by Amber Benson.
Triple lock means state pension set to rise by 8. 5% in April
... Neither the Conservatives nor Labour have committed to maintaining the triple Lock In their next manifesto...
Commonwealth Games: Australia drop out could be 'death knell'
... The Commonwealth Games Federation (CGF) had originally aimed to name a city in 2019, but hopeful bidders fell like dominoes - mostly over cost concerns - leaving organisers unable to Lock In a host until three years later...
Average two-year mortgage rate close to 6%
... " It is massively hard to navigate for everyone, especially clients, who need to make quick decisions in these circumstances, whilst brokers are working round the clock to try to Lock In to these rates, " said Andrew Montlake of Coreco mortgage brokers...
Nationwide latest lender to raise mortgage rates again
... " It is massively hard to navigate for everyone, especially clients, who need to make quick decisions in these circumstances, whilst brokers are working round the clock to try to Lock In to these rates, " he said...
When will we start seeing energy bill deals again?
... " But customers should have the choice of whether to Lock In the benefits of lower wholesale prices for 12 months, just as they do in the mortgage market...
Seal emerges from Thames and surprises Teddington lifeboat crew
... The RNLI said it encountered a " special guest" when the grey seal played outside its station in Teddington Lock In south-west London on Friday...
Pensions: What is the triple lock?
... In its 2019 election manifesto, the Conservative Party said it would keep the triple Lock In place for the duration of this Parliament...
Savings rates hot up after years of low returns
... Jonathan Moore, chief executive of the Stockport Credit Union, said they were encouraging a savings habit with products that Lock In savings until they are released to help pay festive costs, or to cover higher energy bills...
Savings rates hot up after years of low returns
By Kevin PeacheyPersonal finance correspondent, BBC News
Savers are finally being offered better rewards from providers after years of low interest rates, But Some deals are being pulled within hours.
Experts say banks and building societies are leapfrogging each other on best-buy tables as they advertise new products with better returns.
This is the flipside of more expensive mortgages seen in recent weeks.
Many providers are raising money by attracting savers which they can then lend out in mortgages and other loans.
However, when they have brought in The Money they need, their deals are being withdrawn before they become oversubscribed.
" Things are changing so quickly that people are in danger of missing The Peak , " said Anna Bowes, of independent comparison service Savings Champion.
" They may be hanging around for something better. Some who are not sure what to do are leaving their money in accounts which offer nothing in interest. "
The Bank of England has been engaged in a bond-buying programme in recent days to fulfil its role in bringing financial stability to the UK.
But separately, it is still widely expected to raise interest rates as part of its Monetary Policy . That likelihood was heightened by the recent mini-budget.
As a result, the interest charged on new fixed-rate mortgages has been increasing. The average two-year fixed deal now has a rate of close to 6. 5%, according to the financial information service Moneyfacts. On The Day of the mini-budget, it was 4. 74%.
As rates rise, so do the interest rates offered to savers. In recent days, rates on easy access accounts have reached 2. 75%. For those willing to lock their savings in for a year, returns are close to 4. 5%. Both are much higher than anything offered in recent years.
Lots of money savedThe idea of saving money will be alien to many people struggling with The Rising cost of living. A recent survey by The Building Societies Association (BSA) found 35% of those questioned had stopped saving as a result of The Rising cost of living.
Meanwhile, 36% of those asked said they were relying on their savings to get through a period of rising bills and prices.
Some credit unions are offering ways to help families save for expensive times of year, such as Christmas.
Jonathan Moore , chief executive of the Stockport Credit Union, said they were encouraging a savings habit with products that Lock In savings until they are released to help pay festive costs, or to cover higher energy bills.
Many millions of pounds are still in savings accounts - Some of which was built up during Covid lockdowns - But Some of that will receive almost nothing in interest if it has been in the same account for years. The BSA said that 31% of those asked in its survey never checked what interest rate they were getting with their bank of building society.
At the same time the buying power of those savings is being eaten away by inflation, or rising prices.
Higher rates can also help those who have saved for a pension, despite the current turbulence in that sector.
An annuity is a fixed retirement income for the rest of your life which you buy once using Some , or all, of The Pension pot saved up when you are working.
They have been somewhat out of favour during a decade of low interest rates.
Now they are becoming more attractive again. The Deal you get is better when gilt yields are high, and they have been rising.
Providers say demand is growing as new pensioners consider how best to manage their finances in retirement. The Free , government-backed, with its Pension Wise helpline, can assist with Some of the basics.
Source of news: bbc.com