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News Article | February 17, 2017
Site: www.eurekalert.org

Home to an immense diversity of marine life, the deep ocean also contains valuable minerals with metals such as nickel, copper, cobalt, manganese, zinc, and gold, and rare-earth elements used in electronic technology like smart phones and medical imaging machines. As demand for these resources increases and supplies on land decrease, commercial mining operators are looking to the deep ocean as the next frontier for mining. What are the risks and environmental impacts of deep-sea mining on fragile marine ecosystems? Would seafloor mineral resources be enough to keep up with the evolving demands of modern society? A panel of scholars including Stace Beaulieu, a deep-sea biologist at Woods Hole Oceanographic Institution (WHOI), will discuss these and other questions during the symposium, "Should We Mine the Seafloor?" scheduled on Saturday, February 18, at the AAAS meeting in Boston, MA. A news briefing for science journalists will be held at 4 p.m. on Friday, February 17, in room 103 of the Hynes Convention Center. The speakers will examine the pros and cons of seafloor mining, its engineering feasibility, and its legal and societal implications with the goal of providing the best available, objective, scientific evidence to inform ongoing policy efforts on this important and timely topic. "Our panel is unique in that we bring together knowledge of the demand for critical metals and the potential supply from known and yet-to-be-discovered seafloor mineral resources, and an understanding of deep-sea ecosystems, including a new perspective on ecosystem services that contribute to human well-being," Beaulieu says. Currently, there's no mining occurring in the ocean deeper than the continental shelves, but the industry is moving forward quickly. Many of the engineering challenges associated with working in the deep sea have already been addressed by the offshore oil and gas industry. Different types of machines for mining have been built and the components for mining systems are currently being tested in deep-sea deployments. About 27 countries have already signed contracts to explore for deep-sea resources with the International Seabed Authority (ISA), the organization that controls mineral exploration and exploitation in the area beyond national jurisdiction. And the first deep-sea mining project --Solwara 1 within the jurisdiction of Papua New Guinea--is scheduled to begin in 2019 by Nautilus Minerals. Beaulieu's talk will address potential environmental impacts from deep-sea mining and highlight new research on the vulnerability and resilience of deep-sea ecosystems. She's also been working with social scientists to address the question of economic impacts from lost and degraded ecosystem services, such as the potential for new medicines from deep-sea, biological resources. The symposium will also feature talks by experts Thomas Graedel, an industrial ecologist at Yale University, and Mark Hannington, a geologist at GEOMAR-Helmholtz Center for Ocean Research. Graedel will examine how the demand for metals might evolve in the next few decades. Hannington's talk will focus on estimates of the abundance of seafloor deposits targeted for mining. The symposium will be moderated by Mindy Todd, a radio producer and journalist at WCAI - The Cape & Islands NPR Station. Should We Mine the Seafloor? The Woods Hole Oceanographic Institution is a private, non-profit organization on Cape Cod, Mass., dedicated to marine research, engineering, and higher education. Established in 1930 on a recommendation from the National Academy of Sciences, its primary mission is to understand the ocean and its interaction with the Earth as a whole, and to communicate a basic understanding of the ocean's role in the changing global environment. For more information, please visit http://www. .


News Article | February 17, 2017
Site: www.24-7pressrelease.com

FREMONT, CA, February 17, 2017 /24-7PressRelease/ -- GammaTech, a major international manufacturer and supplier of innovative notebook and tablet computers, will be partnering with Transource to showcase their latest DURABOOK line of rugged computers for leading military personnel at the AFCEA West 2017 Conference in the Transource booth (#1137 and #1139). The conference will take place from February 21-23 in the San Diego Convention Center in San Diego, CA. Meeting or exceeding most difficult Military Standards, DURABOOK tablets and PCs are designed for demanding environments and can withstand the most hostile, toughest military applications. Whether in actual combat or preparing for it, these rugged devices offer power, performance and reliability to meet the needs of today's military personnel. The following DURABOOK models will be displayed at the AFCEA West 2017 Conference: R11 Fully Rugged Tablet The R11 rugged tablet is a portable device that offers military personal the portability they need. Out on the field or back in the office, this tablet can withstand your daily wear and tear. The R11 is the thinnest and lightest rugged tablet PC in its class at only 2.73 pounds including battery. With its size and weight advantages, R11 has been selected as diagnostic and test devices on submarines with the US Navy. Featuring an optional detachable backlit keyboard, the R11 easily becomes a 2-in-1 that can work as a personal laptop as well as a powerful computing engine. The R11 comes with a powerful Intel Broadwell Core processor and features an 11.6" TFT LCD capacitive touch display. It is certified to stringent MIL-STD-810G, MIL-STD-461F, ANSI ISA Standard 12.12.01, and IP65 specifications, and is covered by DURABOOK's Peace of Mind (POM) warranty for three years. R8300 Fully Rugged Notebook Since the R8300 has the ability to withstand a variety of harsh environments, this product has received a host of certifications including Military Standard 810G, 461F, IP65, ANSI ISA Standard 12.12.01, allowing it to be confidently used by army, navy and air force military forces. This rugged powerhouse features a 13.3" TFT LCD display with sunlight readability and is provided with an Intel 6th generation Skylake processor and DDR4 system memory for unsurpassed performance. It comes with quick-release HDD-storage capability, TPM2.0 advanced security protection, 9 hours of battery life (with an optional hot-swappable second battery pack for up to 16 hours of operation with both packs), Wi-Fi and Bluetooth connectivity, GPS module, and more. The R8300 is covered by DURABOOK's Peace of Mind (POM) warranty for three years. S15AB Rugged Notebook The S15AB is the lightest and thinnest 15.6" rugged notebook in its class. The unit features a15.6" LCD display with full high-definition (1920x1080 resolution); popular built-in DURABOOK toughness; and up to 16GB of memory. It comes with a capacitive touch pad with L/R buttons to support multi-finger tracking and gestures; an integrated web camera with microphone; a built-in SD card reader, and support for SDXC cards; and a Smart Card reader that allows the card to be fully inserted. Due to the multitude of security systems offered by the DURABOOK S15AB, it has been chosen by the Project Manager Warfighter Information Network-Tactical (PM WIN-T), which is a component of Program Executive Office Command and provides network connectivity to the United States Army through a suite of scalable integrated capability and services to meet the needs of soldiers in current and future operations. SA14 Rugged Notebook With its ultimate portability and versatility, the DURABOOK SA14 has the resources to serve the many needs of military professionals. Updates include a choice from four Intel 6th generation Skylake turbo processors; enhanced wireless/communications capability; a graphics package featuring Intel HD Graphics 520; greater system memory; added interface options; the inclusion of Microsoft Windows 10 operating system; optional hot-swappable battery; a three-year warranty period, and more. The SA14 features a 14.0" HD LCD Touchscreen, a 2.0MP webcam, 2.5" 9.5mm SATA HDD storage with an exclusive HDD quick-release feature, and special stealth mode with optional night-vision mode setting. It meets the MIL-STD- 810G and IP53 standards for drop, vibration, dust and water resistance. Availability GammaTech's DURABOOK rugged computers are available through authorized resellers nationwide and at http://www.GammaTechUSA.com. All DURABOOK computers may be customized for unique customer requirements. About Transource Computers Founded in 1984, Transource Computers has steadily grown into a highly visible and competitive master system integrator providing total solution integration with custom server, cluster, workstation, desktop and notebook computer systems. As a reseller with over 190,000 computer-related products, Transource maintains a large parts inventory in sixteen warehouses across the United States. Well versed in Government procurement, Transource has developed highly competitive pricing advantages along with preferred product delivery status and service to our customer base. Transource has the ability to meet individual computing needs on a variety of technology platforms. For more information, visit Transource at http://www.transource.com About GammaTech Computer Corporation GammaTech is a leader in the design, manufacture and sales of cost-effective, high-performance mobile computing solutions throughout North America. Its award-winning line of rugged and hardened notebook and tablet computers are designed and built-to-order to increase mobile productivity for business, government, healthcare, fire, public safety and a host of other entities. GammaTech offers a complete portfolio of products that delivers power and performance needed in the most demanding work environments, resulting in increased productivity and accelerated return on investment. GammaTech is headquartered in Fremont, California, which provides the final assembly, inventory, service and technical support. For more information, visit GammaTech at http://www.GammaTechUSA.com. On Site Contact: Patrick Brennan GammaTech Computer Corporation Cell: 510-760-1889 Patrickb@gammatechusa.com Media Contact: Rita Lee Copernio Tel. 714-891-3660 GammaTech@copernio.com All products/services and trademarks mentioned in this release are the properties of their respective companies. 2017 GammaTech Computer Corporation. All rights reserved.


News Article | February 15, 2017
Site: www.marketwired.com

Offering over 40 Percent Better DMIPS/mW Performance Efficiency, Andes Technology Corporation's N8 Beat Competitive Alternative to Win the Multiple Designs HSINCHU, TAIWAN--(Marketwired - February 15, 2017) - Andes Technology Corporation, the leading Asia-based supplier of small, low-power, high performance 32-bit embedded CPU cores, today announced that Wuxi China Resources Semico Co., Ltd. selected the Andes ultra-low power, high performance N8 CPU core over a major competitor for multiple design sockets: one for a touch controller SoC and a second for smart home appliances SoC. The Andes N8 won the design by outperforming the rival core, offering over 40 percent better DMIPS/mW performance efficiency. Both SoCs are shipping in high volume to Wuxi China Resources customers worldwide. "We are extremely pleased that Wuxi China Resources Semico Co., Ltd. chose our N8 core for their high volume SoC designs," said Charlie Hong-Men Su CTO and Senior Vice President of R&D and Technical Marketing. "Wuxi China Resources Semico Co., Ltd. is one of China's top 10 integrated circuit design enterprises with a distinguished group of designers having a breadth of experience and expertise, first-class IC design tools, and testing facilities. This has enabled the company to be counted among China's top 50 semiconductor companies as reported in PriceWaterhouseCoopers' "China's impact on the semiconductor industry 2014 update." "We are pleased to have Andes Technology Corp. as our CPU core supplier," said Zhao Jian-Kun, General Manager of Wuxi China Resources Semico Co., Ltd. "They have been a supportive and reliable supplier for a number of SoC designs. Our company does business in a highly competitive international market. Having Andes Cores providing our chips a power and performance advantage affords our products an edge in the market for touch controller and smart home appliances SoCs. We look forward to a continuing relationship with Andes." The AndesCore™ N8 targets microcontroller applications and features the latest AndeStar™ V3m instruction set architecture (ISA). The ISA enables optimal performance in a low power budget and small code size. The ISA intermixes 32-bit and 16-bit instructions, such as compare-and-branch on immediate, load/store with increment, and shift-and-ALU. With its 3-stage pipeline design, the N8 core boosts the execution efficiency of today's computation algorithms, reduces memory usage, lowers customers' silicon cost, while providing a long-term roadmap for customers needing an upgrade path from 8-bit cores. It offers vectored interrupt for low latency interrupt processing, a small footprint with low gate count and high code density, and FlashFetch technology, which speeds up flash memory accesses while reducing overall power consumption. About Wuxi China Resources Semico Co., Ltd. Wuxi China Resources Semico Co., Ltd., one of the leading PRC fabless design houses in terms of technology and scale. The company's expertise in digital and mixed-signal technologies enables the design and development of semiconductor products such as SoCs for touch control in portable devices as well as MCU and audio and video processing SoCs in smart home appliances and consumer electronics such as television, Hi-Fi, DVD and MP3 players, game consoles, telecommunication devices, voice synthesizers, etc. Andes Technology Corporation was founded in Hsinchu Science Park, Taiwan in 2005 to develop innovative high-performance/low-power 32-bit processor cores and associated development environment to serve worldwide rapidly growing embedded system applications. The company delivers the best super low power CPU cores with integrated development environment and associated software and hardware solutions for efficient SoC design. To meet the demanding requirements of today's electronic devices, Andes Technology delivers configurable software/hardware IP and scalable platforms to respond to customers' needs for quality products and faster time-to-market. Andes Technology's comprehensive CPU includes entry-level, mid-range, high-end, extensible and security families to address the full range of embedded electronics products, especially for connected, smart and green applications. For more information about Andes Technology, please visit http://www.andestech.com/.


News Article | February 15, 2017
Site: www.prweb.com

Destructive insects like Borers, Bagworms and Adelgid have invaded the Philadelphia region and Giroud Tree and Lawn explains why each of these insects is dangerous, identifies the warning signs that homeowners and property managers should look for and details options for controlling these invasive pests. "Homeowners, especially inexperienced or young ones, don't necessarily know the dangers that destructive insects pose to trees and shrubs. Unfortunately, insect damage can be hard for the untrained eye to see. As a result, the damage often goes unnoticed and untreated until it's too late. That's why, regular property inspections by an ISA Certified Arborist are so important," says ISA Certified Arborist and Giroud Tree and Lawn President, Lou Giroud. Bagworms - Bagworms are active almost all year round, building egg sacks which contain approximately 500 eggs each which then hatch. The larva then eat the foliage on the host tree, causing it to perish. While bagworms can be removed by hand, treatment is required for large infestations. Adelgid - Adelgid hides under the branches of its host, making it hard to spot at times. Anyone worried about infestation should look under the branches of their Hemlock, Spruce, or other conifer to see if any eggs or insects are visible. In fact, the Pennsylvania State Tree, the Eastern Hemlock, is being threatened into extinction due to the widespread geographical migration of the Hemlock Wooly Adelgid. This pest is deadly but controllable with treatment. Boring Beetle - Boring beetles lay their eggs on a wide variety of trees. In particular, Emerald Ash Borers is the most deadly member of Borer family. Populations are exploding in the Pennsylvania and New Jersey areas right now. Once the eggs hatch, they feed on the wood under the bark, causing the tree to die without many visible signs of weakness. A100% fatal pest, Emerald Ash Borer can be controlled with systemic trunk injections every two years. Each insect is lethal to their host trees, with different species affecting a different number of trees. For those interested in getting a free consultation, visit Giroud Tree and Lawn's website or call them at 215-682-7704. About Giroud Tree and Lawn Giroud Tree and Lawn specializes in tree service, tree removal and lawn care programs that make customers love doing business with the company since 1974. Serving Bucks, Montgomery and Philadelphia Counties, the company offers professional tree and lawn evaluation, tree pruning, tree removal, insect and disease control, fertilizing, stump removal and traditional and 100% organic lawn programs to keep lawns healthy and green. Giroud Arborists are certified by the International Society of Arboriculture (ISA) and have the knowledge and experience required to properly diagnose, treat and maintain trees and lawn health. The company is Accredited by the Better Business Bureau and has been awarded the Angie's List Super Service Award® every year since 2005. The “Giroud Treework for Charity” program donates free tree care services to parks, historical sites and other non-profit organizations located in the Company’s service area. For more information, visit the company website at http://www.giroudtree.com or call 215-682-7704.


News Article | February 15, 2017
Site: www.prweb.com

Giroud Tree and Lawn has just released an article entitled "Should You Cable Your Tree?" on the importance of homeowners and commercial property managers utilizing a professional tree service to keep trees safe. According to the company, tree cabling is used to help reinforce weaker or structurally unsound limbs or trunks. According to Lou Giroud, ISA Certified Arborist and President of Giroud Tree and Lawn, "trees that have codominant leaders or have weakly attached limbs are the best candidates to tree cabling." Of the many occasions cabling may be required, Giroud recommends this service primarily under two conditions: 1. Codominant Leaders - When trees grow without any helpful intervention, they may form two or multiple main leaders, creating a natural split. The weight of the leaders increase over time, which can lead to the possibility of at least one of the leaders splitting apart from the tree. 2. Trees with weakly attached or overextended limbs - "These limbs are unusually long for the tree species or grow horizontally or downward, with most of the foliage concentrated toward the end of the branch," according to the University of Tennessee Extension. Highest risk for breakage is where the branch joins the stem. Failure also occurs when the branch under heavy stress from wind, snow or ice. For more information on tree cabling or Giroud Tree and Lawn's tree cabling service contact Giroud at 215-682-7704 or visit http://www.giroudtree.com. Giroud Tree and Lawn specializes in tree service, tree removal and lawn care programs that make customers love doing business with the company since 1974. Serving Bucks, Montgomery and Philadelphia Counties, the company offers professional tree and lawn evaluation, tree pruning, tree removal, insect and disease control, fertilizing, stump removal and traditional and 100% organic lawn programs to keep lawns healthy and green. Giroud Arborists are certified by the International Society of Arboriculture (ISA) and have the knowledge and experience required to properly diagnose, treat and maintain trees and lawn health. The company is Accredited by the Better Business Bureau and has been awarded the Angie's List Super Service Award® every year since 2005. The “Giroud Treework for Charity” program donates free tree care services to parks, historical sites and other non-profit organizations located in the Company’s service area. For more information, visit the company website at http://www.giroudtree.com or call 215-682-7704.


NEW YORK, March 02, 2017 (GLOBE NEWSWIRE) -- Attorney Advertising -- Bronstein, Gewirtz & Grossman, LLC reminds investors that a class action lawsuit has been filed against Kitov Pharmaceuticals Holdings LTD (“Kitov” or the “Company”) (NASDAQ:KTOV) and certain of its officers, on behalf of a class who purchased Kitov American Depositary Receipts (“ADRs”) pursuant and/or tradeable to the Company’s initial public offering on or about November 20, 2015 (the “IPO”) and/or on the open market between November 20, 2015 and February 3, 2017, both dates inclusive (the “Class Period”). Such investors are encouraged to join this case by visiting the firm’s site: www.bgandg.com/ktov. This class action seeks to recover damages against Defendants for alleged violations of the federal securities laws under the Securities Exchange Act of 1934. The Complaint alleges that throughout the Class Period, Defendants made materially false and misleading statements regarding the Company’s business, operational and compliance policies. Specifically, Defendants made false and/or misleading statements and/or failed to disclose that: (1) Kitov and its Chief Executive Officer (“CEO”) Isaac Israel published misleading information concerning the conduct of the Company’s clinical trials for its lead drug candidate KIT-302; and (2) consequently, Kitov’s public statements were materially false and misleading at all relevant times. On February 6, 2017, Calcalist, an Israeli publication, reported that Kitov’s CEO Isaac Israel had been detained and questioned by the Israeli Securities Authority for allegedly publishing misleading information about Kitov’s recent clinical trial.  Following this news, Kitov stock dropped $0.33 per share, or 11.46%, to close at $2.55 on February 6, 2017. On February 7, 2017, the NASDAQ stopped Kitov’s ADRs trading. That same day, Kitov informed investors in a press release, of the ISA’s investigation into its public disclosures regarding KIT-302. A class action lawsuit has already been filed. If you wish to review a copy of the Complaint you can visit the firm’s site: www.bgandg.com/ktov or you may contact Peretz Bronstein, Esq. or his Investor Relations Analyst, Yael Hurwitz of Bronstein, Gewirtz & Grossman, LLC at 212-697-6484. If you suffered a loss in Kitov you have until April 10, 2017 to request that the Court appoint you as lead plaintiff.  Your ability to share in any recovery doesn't require that you serve as a lead plaintiff. Bronstein, Gewirtz & Grossman, LLC is a corporate litigation boutique.  Our primary expertise is the aggressive pursuit of litigation claims on behalf of our clients.  In addition to representing institutions and other investor plaintiffs in class action security litigation, the firm’s expertise includes general corporate and commercial litigation, as well as securities arbitration.  Attorney advertising. Prior results do not guarantee similar outcomes.


News Article | February 15, 2017
Site: www.pressat.co.uk

Brexit and Trump presidency top investor concerns, but low interest rates continue to drive investors to stock market Whilst the FTSE 100 had a flying start to the year, hitting several record highs, it seems that active investors do not necessarily share this exuberance, according to research published today by The Association of Investment Companies (AIC). The number of investors saying they will not use any of their ISA allowance has increased significantly over the course of just a year, from 21% in 2016 to 38% this year - almost doubling. Annabel Brodie-Smith, Communications Director, Association of Investment Companies (AIC) said: “After such a strong start for markets this year, it’s surprising investor confidence is unmoved from where it was a year ago, when markets were much more volatile. But with Brexit concerns, the Trump presidency and worry over a market crash hanging heavy in many investors’ minds, it is perhaps easy to see why investors remain cautious. “However, none of us can predict the markets’ next move and who would have thought, at the start of 2016, that markets would have had such a strong year? Investors need to take a long-term perspective and hold a diversified portfolio. Despite the tough market conditions during the financial crisis, the average investment company is up 107% over ten years. Cautious investors may like to consider regular investing, which can smooth out some of the highs and lows of the stock market, whilst not missing out on long-term gains along the way.” The number of active investors planning to increase their stock market exposure over the next six months is the same as it was a year ago (25%), when markets were having a significantly more torrid time. This compares to a high of 49% two years ago, with investor confidence in the stock market halving since then. Instead, investors continue to remain cautious, with 71% planning to ‘hold’ rather than buy stock market investments, although the number of active sellers has significantly decreased and is half (4%) in comparison to last year (8%). Of the quarter of investors who were planning to increase their stock market investments, it was the low rates of interest on cash deposits which was by far the greatest motivator (30%) as investors seek alternatives, followed by general optimism (12%), and the fact that they have more money available now (11%). The most commonly cited financial worry amongst investors was that uncertainty over Brexit negotiations may slow economic growth (18%), followed by a possible stock market crash (13%) and the Trump presidency (12%). These were followed by concerns about poor returns on cash deposits (9%) and rising inflation (8%). Despite concerns about the impact protracted Brexit negotiations might have on the UK economy, the UK was still by far the favoured region amongst active investors (21%), which was slightly down on recent years (26% in 2015, 24% in 2014). This was followed by Emerging Markets (9%), China (7%), North America (6%) and Asia Pacific excluding China and Japan (6%). For the first time, Technology was the most favoured sector amongst active investors, with 15% of investors backing the sector. In second place, in keeping with last year, was pharmaceuticals (9%). In third place was smaller companies (7%), which was last year’s top sector (22% in 2016). ISAs – cash is king, but equities still popular Some 25% of investors this year say they are only planning to use the cash element of their ISA allowance, and this was level pegging with a year ago, with cash remaining king for nervous investors. That said, some 18% of investors plan to use only the stocks and shares element of their ISA, down on 30% last year, whilst 17% will use both cash and stocks and shares, similar to 19% last year.


News Article | December 29, 2016
Site: www.realwire.com

December 29, 2016 London, England – Swave is launching a three-month challenge to help Britain start a savings resolution in 2017. Swave have developed a unique app to help even the biggest spenders save more towards their financial goals. Linking to current accounts and credit cards, the app monitors spending habits to help users identify the best opportunities to take immediate action and save. Co-Founder Kristina Bordas explains, “Unlike a budget, the app aims to work with existing habits, not against, to ensure the best chances of success. We hope to see challenge participants engaging daily with their personal finances to create better, long-term financial habits.” The savings challenge is open to customers of a range of UK banks and users are encouraged to save towards their own personal goals. Co-Founder Kristina Bordas says, “The app is designed to work across banks so the customer has maximum flexibility to save into any savings account, pension, ISA or even work towards early debt repayment, whatever makes the most sense to them at this time.” The challenge forms part of a test that Swave is undertaking as part of the first cohort of the FCA regulatory sandbox. More information on the FCA sandbox is available on the FCA website. The Swave App is launching on January 1st to challenge participants. Anyone wishing to take part should contact info@swave.me.uk or visit swave.me.uk. About Swave Swave, founded in June 2015, is a fintech startup based in London. The Swave App has been recognised in numerous industry awards including winner of the Innovate UK Digital Innovation Challenge for Financial Literacy and short-listed for Fintech Innovation of the Year 2016 by Digital Leaders 100. Contact To learn more about Swave, please contact Kristina Bordas +44 790 846 9392 info@swave.me.uk


News Article | February 22, 2017
Site: www.businesswire.com

DUBLIN--(BUSINESS WIRE)--Research and Markets has announced the addition of the "UK Savings: 2016 Review, Forecasts and Future Opportunities" report to their offering. UK Savings: 2016 Review, Forecasts and Future Opportunities looks at how the personal savings market will develop up to 2020, analyzes the factors that will determine this outlook, and examines savers' intentions and behavior. It forecasts personal savings deposits up to 2020, analyzes the factors determining the outlook of the savings market, and looks at what providers are doing to improve their performance. The report concludes with analysis of drivers of provider choice and how banks can harness the personal goals of consumers and encourage them to save. Retail deposits for 2016 are expected to be 6% higher than in 2015. However, market conditions over the next few years are predicted to dampen prospects for future growth. UK retail deposits will increase at a CAGR of 3.3% during 2016-20 to reach £1,606bn by the end of the forecast period. - Personal deposits are expected to grow slowly as the economic outlook remains fragile. - The rate advantages offered by fixed-term accounts are steadily falling, making long-term saving less attractive to consumers. 2.1. Deposit accounts are expected to remain the UK's preferred asset class for saving 2.2. Declining consumer confidence has increased the imperative to save 2.4. Falling interest rate differentials between instant-access and fixed-term accounts deter consumers from saving 3.1. PSA was implemented in April 2016 and is helping boost the savings market 3.1.1. The PSA has reduced the relative appeal of ISAs 3.1.2. The cash ISA allowance will rise to £20,000 in April 2017 3.2. New Lifetime ISA being launched from April 2017 3.3. The BoE has extended FLS in an attempt to support the economy after the Brexit vote 3.4. Brexit will have a short-term adverse impact on the savings market 3.4.2. Inflation is expected to rise, squeezing wages and slowing the economy 4.2. New challenger banks are boosting the savings market with competitive rates 4.3.5. Squirrel helps consumers save by removing the temptation to spend 5 Rate and Reputation Will Help Drive Savings 5.3. An existing relationship and rate influence consumers taking out a savings account 5.4. Nationwide and Halifax have the best NPS among the main savings providers For more information about this report visit http://www.researchandmarkets.com/research/9cpql8/uk_savings_2016


Police Mutual Group, which includes the two brands Police Mutual and Forces Mutual and celebrated its 150th anniversary in 2016, has seen another year of very strong growth with new business up by an impressive 22% with total income up by 27%. Stephen Mann refers to the Group performance as benefitting from a "virtuous circle".  "The stronger our financial performance, the more that can be given back in improving lives for our Police and Military affinities which in turn is leading to higher levels of advocacy which is leading to this strong performance. These are challenging times and supporting our members and customers remains at the heart of everything we do. Our results prove that you can both do the right thing and be a strong performing business." The increase in new business mostly came from organic growth (18% year on year) as well as the early results of the enlarged Forces Mutual business (Police Mutual Group merged its existing Forces Financial brand with Abacus Group, which it acquired in April 2016). Member numbers now stand at a record level and strong growth was seen across all product lines. Equally importantly, the products and services which Police Mutual Group offers, reflect its purpose of improving lives and key within this is an objective around financial inclusion. Mann comments, "We recognise that it's a tight environment for our members so our Regular Savings Plans (RSPs), which have no minimum, make saving accessible pretty much to everyone." Over 3,800 new members started the savings habit, and in total Police Mutual paid out £63.7m on maturing plans. Financial wellbeing is a key indicator of improving lives and to meet this, Police Mutual continues to deliver savings for their members: In terms of explaining plans for this year, Mann comments, "Our focus in 2017 will be to continue this momentum. The Group is now a very different business to seven or eight years ago.  We have strengthened our operation for the next phase of growth, growth that will continue to enable us to focus on the wellbeing of our Police and Military affinities." 1. Average premium savings are based on 19% of all car insurance and 14% of all home insurance members who provided their existing premium and switched their insurance (inbound sales only) from June 2015 - May 2016 2. Based on an individual in their 30s with a salary of £38,000, holding Police Mutual mortgage, home and motor insurance, healthcare, personal loan and fixed-term-ISA products. Police Mutual data 2016.

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