Small Businesses

Andrew Bingham Excerpts
Thursday 28th November 2013

(10 years, 9 months ago)

Commons Chamber
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Chloe Smith Portrait Chloe Smith (Norwich North) (Con)
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I think that this is my first opportunity to congratulate you on taking the Chair, Madam Deputy Speaker. I also congratulate my hon. Friend the Member for Newton Abbot (Anne Marie Morris) on securing the debate and all those who supported her at the Backbench Business Committee. To pick up on just one of the points that she made, I agree about the difficulties that are presented by the VAT threshold, which I saw recently in the case of a meals on wheels business that serves my constituents. It is just about to hit the threshold, but its customers are ill-equipped to deal with a hike in prices.

Like my hon. Friend, I look forward to celebrating small business Saturday in my constituency. I also look forward to a discussion that will take place shortly at Norwich business school, whose advisory board I sit on, about how such business schools can be anchor institutions for the small firms in their surrounding area.

In the report, “Growing Your Business”, Lord Young of Graffham drew out just how much more there is to do to open up public procurement to small and medium-sized firms. My hon. Friend the Member for Newton Abbot mentioned the Cabinet Office at the end of her comprehensive list, and I am sure that she would join me in congratulating the Minister for the Cabinet Office and Paymaster General on his work to give 25% of Government business to small and medium-sized enterprises. Surprisingly, it is often forgotten that the Government buy large quantities of goods and services on behalf of taxpayers, and there is no reason why small and medium-sized businesses should not take pride of place in that marketplace.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Does my hon. Friend agree that small businesses find it difficult to deal with Government agencies because they are presented with a bewildering array of things such as pre-qualification questionnaires? Small and micro-businesses do not have a huge army of staff to deal with such nonsense, which increases costs not only for business, but for the Government, because they could have bought what they needed cheaper from a small business in the first place.

Chloe Smith Portrait Chloe Smith
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My hon. Friend could not have made a better intervention because I was pleased to be able to contribute to solving that exact problem when I was a Cabinet Office Minister.

Given a few tools, we can all do much more in our constituencies, and Lord Young is continuing to work on that issue in association with my hon. Friend the Minister for Skills and Enterprise. We must encourage small and medium-sized firms to use Contracts Finder, on which they will find a clear record of all available Government contracts. We should urge local authorities and others to put their contracts on that portal to allow the operation of a comprehensive marketplace.

We should also encourage constituency businesses to use the mystery shopper scheme that the Cabinet Office has introduced, which will help to solve the problem raised by my hon. Friend the Member for Newton Abbot. When small businesses that seek simply to get on and do business encounter poor practice or communication from the public sector, they need a way to solve the problem. The mystery shopper scheme does exactly that, and also gives us a chance to do more to encourage public authorities—whether local government, health, police or fire services, or any similar service—to do more to make their procurement SME-friendly.

Small firms can encounter many problems such as the prevalence of pre-qualification questionnaires and late payment. A care company in my constituency deals with customers who are particularly vulnerable, and tragic havoc can be wrought if a health body makes a late payment to such a company. The motion rightly calls on local government to do its part, and I suggest that better procurement forms an important part of that.

Personal, Social, Health and Financial Education

Andrew Bingham Excerpts
Wednesday 16th January 2013

(11 years, 7 months ago)

Westminster Hall
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Caroline Nokes Portrait Caroline Nokes (Romsey and Southampton North) (Con)
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I congratulate the hon. Member for Worsley and Eccles South (Barbara Keeley) on securing this debate. As chairman of the all-party parliamentary group on body image, I will speak briefly on some of the issues that we encountered during an inquiry that started in November 2011, and I will focus on why we have called for compulsory teaching on body image as part of personal, social, health and economic education. I was not surprised to hear references to financial education; in fact, I am a little surprised that other members of all-party groups have not made more pitches explaining why the groups in which they are involved have a particular role to play in PSHE. I will focus on some of the findings of our inquiry and the role of body image as a building block for encouraging young people to develop the self-confidence and self-worth that enables them to establish and sustain relationships that help them go on to become healthy, happy and secure adults.

We took evidence from a range of experts and from young people. One thing that surprised me was evidence that children as young as five had a sense of their body image and how they might appear different from others. Just because they are different does not mean that they have less value or worth, and trying to instil that in very young children is an important part of PSHE. That is evidence in support of discussing body image with children of primary age. Sadly, one piece of evidence that we took was that children can develop a negative self-image from their own parents. It is evidence that we need an independent forum away from the home, where children can discuss such issues and learn to talk about them with confidence and a sense of security.

We certainly took evidence that when it comes to PSHE teaching on body image, quality teaching is necessary. It is difficult for somebody who does not feel confident themselves to teach confidence to young people. I endorse the calls for good training. It is important that our teachers are given the teaching tools and support that they need to convey that message in the classroom, and it is important that they be evaluated. Evidence was given that PSHE taught in the wrong way can do more harm than good. We need quality, evaluated teaching.

I am painfully aware that PSHE is a crowded space. It is not given a large slot in the timetable, but we have heard in this debate about drug abuse, alcohol misuse and sexual relationships; I am here to talk about body image, and there is also financial education. That is a massive range of subjects, but all of them lead to our young people going out into the world as happy, healthy, rounded individuals, which is critical.

I endorse to an extent the calls by my hon. Friend the Member for Suffolk Coastal (Dr Coffey), who is no longer in her place, for flexibility within schools. I have done a significant amount of work on eating disorders, and I know from my constituency that I can talk about eating disorders at one school where it is a problem, yet in one of the other secondary schools in my constituency, there is far more focus on obesity and lack of physical activity. Education must be adaptable to schools’ particular circumstances. Good teachers, head teachers and governing bodies could have the ability to adapt.

This might sound a little controversial coming from my party, but I endorse the comment about sending out children with more than exam passes. It is critical that in addition to being able to read, write and do arithmetic, our children are sent out into the world as rounded individuals. I have said it before: we need them to be healthy—

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Does my hon. Friend agree that the world is much more complicated now? We have talked about sexual education, although we have not really talked about financial education. There are so many pressures on children leaving school that they should have a better-rounded education. It is not all about certificates and exams.

Caroline Nokes Portrait Caroline Nokes
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I entirely endorse what my hon. Friend says. It is not just about exams; it is about more than that, and we fail our children if we do not send them out into the world as happy, confident individuals.

Industrial Policy and Manufacturing

Andrew Bingham Excerpts
Thursday 22nd November 2012

(11 years, 9 months ago)

Commons Chamber
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Chris White Portrait Chris White
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I thank my hon. Friend for his intervention and I note the figures he uses. One target the Minister might like to consider in an industrial strategy is about 15% by 2015—that works in so many ways.

We cannot afford merely to dismiss a large part of our global economy. Emerging markets are focusing on production and industry already, but they will not focus on those things for ever. Soon they will seek to compete with the developing economies in highly lucrative services, as well as in research and development. Where will the UK go then? We need to compete in manufacturing, as well as in services and the creative economy, if we are to succeed in the years ahead. The narrower our economy becomes, the more unstable it will be. We need a broad-based economic strategy, and manufacturing can and must play a crucial role in delivering that.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Does my hon. Friend agree that we must not forget the very small manufacturing companies in my constituency and elsewhere? This is not all about big factories; it is also about small niche manufacturers producing specialist goods in this country.

Chris White Portrait Chris White
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I thank my hon. Friend for his intervention. As someone who worked for MG Rover, I had a great experience of the supply chain and some of the smaller businesses that supported it. They have a great part to play in our economic growth, certainly in terms of new jobs in this sector.

It seems clear from the statements that the Government have already made that they understand and appreciate the important role that manufacturing can play in supporting the UK economy. But I hope that the Minister will see these words turned into action, and I believe that means beginning the process of developing a formal UK industrial strategy for the next 10 years, at the very least. Countries such as Germany and Japan, where industrial policy is at the very heart of government, can perhaps operate without such a formal process. However, I believe that the UK would benefit from it, not only through the consultation, debate and consensus building that would be necessary in the formulation of such a document, but from having a document against which civil servants and politicians can be held accountable through regular reviews.

Parliament should be at the centre of the development of this industrial policy. We need a policy that can last beyond the lifetime of one Government, which means ensuring that we have policies that all parties support or broadly favour, so that we create the policy stability necessary for businesses to invest in the UK.

Life-saving Skills in Schools

Andrew Bingham Excerpts
Thursday 22nd November 2012

(11 years, 9 months ago)

Commons Chamber
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Justin Tomlinson Portrait Justin Tomlinson (North Swindon) (Con)
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I congratulate my hon. Friend the Member for Newton Abbot (Anne Marie Morris) on securing the debate on a subject that I know she is passionate about. I also congratulate my hon. Friend the Member for Cambridge (Dr Huppert) and the hon. Member for Bolton West (Julie Hilling), as we have been pushing on this collectively for some time. I feel that we are making some progress.

The debate is essential, because we are talking about creating the next generation of life-savers. Let me use some cold, hard statistics to reinforce that point. Some 60,000 people a year will have a cardiac arrest. The survival rates in this country are disgracefully low—between 2% and 12%—which means that approximately 55,000 people a year will die from a cardiac arrest. About half of those are, in theory, able to get help through the ambulance service, but on average it takes approximately 6 to 12 minutes for an emergency ambulance to reach a critically ill patient. For every minute that passes, the chance of survival falls by 10%. However, if CPR is given immediately, survival rates increase threefold. As my hon. Friend the Member for Newton Abbot said, we really cannot do any worse by leaving somebody in that position.

The great shame is that most people are simply not able to help. For about half of the 60,000, there are witnesses on hand who could help, but most either do not have the skills or lack the confidence even to try something. By training and educating individuals, we can radically alter the situation. I have heard horrific stories of crowds gathering round, with no one willing to step in. Thankfully, the evidence clearly shows that, with training, lay people can overcome the psychological barriers and manage the patient until more advanced and experienced personnel arrive.

Those are the cold, hard statistics, but I was in such a position with my own father. When I was 12, my father collapsed. My attempts to help were, at best, muddled, and passers-by then helped. We all rely on people having that confidence to go and make a difference. Sadly, my father was one of those statistics who did not survive. We will never know, had we all been equipped with the skills, what difference that would have made.

What we are asking for would take only 0.2% of the school year. It takes less than two hours to train a young person fully in emergency life-saving skills. To put that into context, that is the equivalent of one PE lesson. I am conscious that schools Ministers are for ever lobbied by campaigns saying, “This would be very important for the national curriculum.” I am as guilty as any MP for asking for financial education, basic cookery skills and a variety of other campaigns. However, we are trying to be helpful; we would be happy if such training were included in PSHE, as long as it was a mandatory part of it. It could go into biology, as one understands how the breathing system and the heart works. It could go into PE lessons, especially given the number of sports therapists we would like to encourage. We are not proud—as long as we can get it in somewhere.

We are told that there is a limit to the amount of time available in the national curriculum, yet we find time for every school to practise fire drills. They are important, but 60,000 people a year having a cardiac arrest is certainly up there with fire drills. We could take the training in assemblies. If we really are struggling with the school curriculum, then there are always driving lessons, because all young people want to take lessons—we are trying to be as helpful as we possibly can be.

The training is straightforward. At a recent meeting of the all-party group on heart disease, I and all of my staff took part, and it was a breeze—it was pretty impressive for us for it to be a breeze. The training can be broken into three levels and even the most basic form of training can make a difference. For example, the body has enough oxygen in the blood so that even basic compression CPR is sufficient for 15 minutes. Crucially, these skills will remain with people for the rest of their lives. We will create a new generation of life-savers and they can pass their skills on, so it is a win-win situation. We have the evidence that it will work. It will allow us to change the prognosis of this devastating condition and save thousands of lives a year.

My hon. Friend the Member for Newton Abbot made great play of international comparisons, talking about the improvements in France, Denmark, Norway and Seattle. The cold, hard statistics show that, where such training is compulsory, survival rates are not 2% to 12% but 52%. That means that an extra 15,000 lives a year would be saved.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Does my hon. Friend agree that children would thoroughly enjoy learning emergency life-saving in school? Instead of sitting in the classroom reading books, they would be getting involved; it is hands-on. They would enjoy it, and learn quickly, too.

Self-Employment

Andrew Bingham Excerpts
Tuesday 24th January 2012

(12 years, 7 months ago)

Westminster Hall
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Nigel Adams Portrait Nigel Adams (Selby and Ainsty) (Con)
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Government should, of course, try to make it easier for entrepreneurs to start businesses. Like my hon. Friend the Member for Newton Abbot (Anne Marie Morris), I welcome the reintroduction of the enterprise allowance scheme, which enabled me to kick off my business in the early ’90s. I learned last night that in India, thanks to advances in technology, it is possible to incorporate a firm in 24 hours, which we cannot do here. We also need an increase in the availability of start-up loans. Banks should get better at providing some of the money that they were bailed out with.

In the spirit shown to my hon. Friend the Member for Enfield North (Nick de Bois), perhaps the Minister will consider this idea. Graduates who start businesses and then employ people should be eligible for university fee debt relief—well, that clearly went down well in the Chamber. I appreciate my colleagues’ support!

Starting a business should not be an ambition exclusively for young people. Many successful entrepreneurs become self-employed later in life after a successful career. They may be interested in helping others make money or they may become self-employed out of necessity or because of redundancy.

Advances in technology have led to an explosion of people working from home. As such an approach has advantages for family life, I urge the Government to continue their efforts in ensuring that every part of the UK gets access to superfast broadband.

If there is one thing that entrepreneurs know, it is that waiting for Parliament to act will get them nowhere. Entrepreneurs do not wait around for help; they take action. Although business people cannot do anything about clearing university fee debt or increasing the availability of start-up capital, which is down to the banks and venture capitalists, one obstacle they can help young people and anybody wanting to start a business overcome is lack of knowledge.

I am encouraged by the Government’s plans to set up a network of experienced mentors. For too long, business advice has been doled out by well meaning people who invariably have never run a business. Recently, I met some careers advisers who had hardly ever spoken to local employers.

I am pleased to say that via the excellent local business accelerators programme, which was set up by the Newspaper Society and backed by the Prime Minister and that excellent newspaper The Selby Times, I shall be providing mentoring to a local Selby business called LRB Trophies run by the Butler family. The company was born out of adversity, but it will hopefully go on to great things.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Is my hon. Friend aware that the Prince’s Trust also runs a business mentoring scheme? I was a business mentor for the Trust, which helps young people to start businesses. Again, such organisations are really helpful for young people.

Nigel Adams Portrait Nigel Adams
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I am aware of that, and I am pleased that my hon. Friend is involved in such a scheme. It is crucial that people get to speak to those who have been at the coal face. There is nothing like real world experience to help people with small businesses.

The Government should say to existing business people with an interest in encouraging the next generation of entrepreneurs, “If you know anyone who is interested in entrepreneurship, be their mentor. Check out the excellent apprenticeship programmes at your local college and hire some apprentices. If you have kids of your own, involve them in your business at an early stage and show them that entrepreneurship is a viable option for them. Let anyone you come across know about the benefits and thrill of being their own boss.”

Finally, we should be celebrating entrepreneurs and the wealth creators and not demonising them. There is nothing wrong with success and there is nothing wrong with those who fail while trying to succeed. Those who put everything on the line to grow businesses, to create jobs and to pay the taxes that pay for the public sector and our services should be applauded and supported.

Financial Education

Andrew Bingham Excerpts
Thursday 15th December 2011

(12 years, 8 months ago)

Commons Chamber
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Andrew Percy Portrait Andrew Percy
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Alas, perhaps it is. I must say, however, that I will not be able to match the exchange of Shakespearian quotes between the two Front Benchers—

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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The bard from Brigg.

Andrew Percy Portrait Andrew Percy
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I am certainly not, as my hon. Friend interjects, the bard from Brigg. It is not going to happen, alas.

To return to the report, I thank the Minister for meeting me and my hon. Friend the Member for North Swindon (Justin Tomlinson) shortly before its publication. The Minister will recall that I said that if the Government did not take it seriously, I might well end up dousing myself in petrol and setting myself on fire, but I will not have to make that protest any more, not least because I cannot afford the petrol at the current prices and because we have had a positive response.

I thank all my friends on both sides of the House who sat on our inquiry. They included my hon. Friends the Members for Congleton (Fiona Bruce), for Wyre Forest (Mark Garnier), for Newton Abbot (Anne Marie Morris) and for Lancaster and Fleetwood (Eric Ollerenshaw) and the hon. Member for Darlington (Mrs Chapman), as well as myself and my hon. Friend the Member for North Swindon. It was a thoroughly valuable experience and I think we all enjoyed taking part in a cross-party inquiry on such an important issue. Because we conducted it in the way we did, on Select Committee terms and by hearing evidence, I think we all felt that the hours we spent doing that were probably some of our most valuable since getting elected. One can wonder whether a lot that goes on in here is having any impact or making any difference, particularly in some people’s cases, but on this issue we all felt that the experience was valuable and that we were engaged in something important.

Some hon. Members will have read our report, which is very comprehensive. I am not allowed to use props so I shall not hold it up. As can be seen from the executive summary, we have recommended that this subject should form part of the national curriculum. We want it to be compulsory across schools, and I shall say something about the mechanics of that in a moment. It is important to get some statistics into the debate about why this is so important. As people who have read our executive summary will have seen, it states that, according to a learndirect study:

“Two-thirds of people in the UK feel too confused to make the right choices about their money and more than a third say they don’t have the right skills to properly manage their cash.”

Sadly, we have seen higher and higher levels of insolvency in recent years, and we know that personal debt levels have exploded in the past 10 or 15 years.

I am not part of the generation about whom my hon. Friend the Member for North Swindon spoke. I am part of the generation after, having got on the housing market only last year but with considerable debts, which I have spoken about before. I am not one of those who will see the big increases in house prices that will take care of all those nasty credit card debts.

Let me explain why I got involved in all this. It has been a good partnership with my hon. Friend the Member for North Swindon because he is extremely financially competent, as anyone who knows him will know. Having shared a flat with him, along with another of our hon. Friends, I can certainly attest to his competency in all things financial—and perhaps to his being frugal as well. I am the antithesis of that, having made some incredibly bad financial decisions when I left school and went to university, including getting on the conveyor belt of credit card debt while at university and getting student loans even though that was the year before tuition fees came in. So I left university with an awful lot of debt and then did two years of postgraduate study, which I funded myself, which meant getting into even more debt. I am still paying off those debts today, and I do not mind the education side of them—it is all those other lifestyle debts that one builds up on credit cards that I am still lumbered with to this day.

It has been good to have a partnership of two people with different experiences of managing their debt looking at this issue. I was proud to be in the top set of my comprehensive school in Hull. I was quite bright and managed to get a GCSE in maths at grade C although I have always struggled with maths. I got good A-levels, a degree and postgraduate qualifications but I am still completely and utterly incapable of working out interest payments, APR and all the rest of it. I could not tell you what I pay in mortgage interest, Mr Deputy Speaker—I just pay up every month. I suppose I am an example of the people we have talked about and at whom the report is aimed. This is not moralising about debt. We have been very clear: this is not about saying that people should not get into debt or about educating people never to get into debt; it is about providing people with appropriate skills.

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Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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I am delighted to follow my near neighbour, my hon. Friend the Member for Congleton (Fiona Bruce).

Like many others who have spoken, I congratulate my hon. Friend the Member for North Swindon (Justin Tomlinson) and his colleagues not only on securing the debate, but on their continual hard work, the pressure that they have put on the Government, and the publicity that they have secured—including the use of Martin Lewis to press home the importance of the issue. The launch of the all-party group on financial education for young people attracted more than 200 Members of Parliament, and it is now the largest of the all-party groups. I congratulate it on its report on financial education, which was released this week and which deals comprehensively with the subject.

I do not wish to be labelled a grumpy old man—I am sure, though, that my hon. Friend the Member for Brigg and Goole (Andrew Percy) will soon label me one—but I must refer back to when I was a lad.

Andrew Percy Portrait Andrew Percy
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It was in black and white then.

Andrew Bingham Portrait Andrew Bingham
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Yes, it was.

I remember my late father taking me to Williams and Glyn’s bank to open my first bank account and my walking out proudly with my Williams and Glyn’s plastic piggy bank, which I suspect I still have somewhere and is probably worth a lot on eBay. They say that servicemen can always remember their Army number; I can still remember my bank account number from that day.

When I came of age, there were few temptations for somebody my age to acquire extra funds or credit. In those days, it was the bank or it was nothing. Credit cards were unavailable without a parent or guardian to guarantee it and wages were paid in cash. Consequently, we lived in a pay-as-you-go world—to coin a modern-day phrase. We were not educated in financial matters in school in the 1970s, because there was not the multitude of financial opportunities—and, indeed, pitfalls—available to young people today.

When I refer to young people, I do not refer exclusively to school leavers but to those who left school a few years ago, have built up savings and are now plunging into the world of credit or embarking on the next stage of their life—getting their first mortgage or signing a tenancy agreement—and who require financial knowledge to navigate these potentially treacherous waters.

When people turn on the television today, read the newspaper, surf the internet or look at magazines, they are bombarded with adverts offering them cheap money, easy money and, in some cases, apparently free money. In fact, some claim that it is possible to borrow enough money to get completely out of debt. When we pick up the Sunday newspapers, out drop a multitude of pieces of paper, one of which is usually advertising cheap money.

Borrowing money is inevitable, and we all have to borrow at some point in our lives, whether for a mortgage or whatever, but it is important to do it prudently—a word from the past—and sensibly. To do that, people need to understand what these companies are offering, to read beyond the quick, snappy headline and to make an informed decision. To do all that, they need to understand finance, the methods by which it can be obtained, the cost of that finance, the conditions attached and, more importantly, the short and long-term consequences of failure to adhere to those conditions.

Not only must young people contend with this wealth of advertising and pressure, but they live in a very different world from that of their predecessors in my generation and that of many in the House. As has been alluded to, they have phone contracts, credit cards, payday loans, tuition fees, store cards—the list goes on and on. These are all things that are part of modern-day life but which were either unheard of or unavailable in days gone by. Added to that, there are many alluring ways of paying for luxury goods—televisions, holidays and so on—that appear to be completely free of any credit charge yet are full of pitfalls buried in the small print.

How many people realise, when they buy a television on a buy now, pay later deal, that if they miss the payment date, they are automatically locked into a three-year finance agreement potentially on an annual percentage rate that can be more than 20% and perhaps as much as 30%? Indeed, how many actually understand what APR really is?

And how many people understand the pitfalls when they get older and decide to buy a car? A car might be advertised with low monthly payments—“You can have this car for £159 a month”, the advert might read. However, it might not explain until the small print that at the end of the term the person will not own the car, because a significant final amount will still be outstanding—balloon payments, they are sometimes called—and that, if unpaid, they will have to give the car back and have nothing to show for it.

We live in a world where peer pressure exerts a huge influence, especially on young people, to have the latest mobile phone, trainers or designer clothing. It matters very much to young people and it drives their shopping habits. When that is coupled with the myriad easy ways to pay, we have a cocktail of debt and ensuing misery.

Financial education will not stop that—after all, people will always want to buy goods; the economy depends on it—but I believe that financial education will do several things. First, it will enable people to tell whether a deal is as good as it seems. There is an old adage: “If it looks too good to be true, then it usually is.” Financial education will enable young people to ascertain whether a deal is good or not, and see what the total potential cost is of the iconic item that they feel desperate to own. Being armed with that knowledge might not prevent them from buying that item, but they will I hope make a rational, informed decision and ask themselves whether they need it and whether they can really afford it. In the long term, that will spare people much misery, as well as the further consequences that excessive debt can have for people personally and for their families. As was said earlier—by an hon. Gentleman who is no longer in his place—that knowledge will also enable people to make decisions about savings. This is not all about debt: it is about savings, investments and pensions. On the Select Committee on Work and Pensions, we are looking at auto-enrolment and how to judge one pension against another. That is another story, but having informed financial knowledge and advice could help people to make better decisions about such matters.

Several years ago I produced an e-book, which was designed to plug into a computer. It was called “Living On Your Own” and was aimed at students leaving home to go to university and living away from their families for the first time. It dealt with all the issues that many of us take for granted: council tax, rent, utility bills, registering with a local GP and so on. It even had some easy-cook, healthy recipes. The book also contained an interactive budget planner, in which students could enter all their incomings and outgoings, and which gave a figure for how much money they had left at the end of the week or month. If they were overdrawn, the figure went red. We gave the e-book away to students—I think we gave away 200—and those who got back to me said that the most useful thing in it was the budget planner, because it showed them in simple, stark terms whether they were living within their means or beyond them.

There is a further implication of our young people not having the level of financial literacy they need when they leave education. Those young people are the next generation of our wealth generators, entrepreneurs and business builders. They are the people we will look to in five, 10 or even 20 years to build businesses, create jobs and grow the economy. We cannot expect them to be able to do that successfully if we do not give them the tools they need while they are being educated. Anyone who goes to the bank for an overdraft or business loan has to have a business plan and know how best to make the money work so that their business can survive. If we do not get this right, we will not have those people and we will pay the price later.

When I was at school, we did subjects such as metalwork and woodwork. I can turn on a lathe and wooden lathe—

Andrew Bingham Portrait Andrew Bingham
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It is not a question of showing off: my hon. Friend never saw the results. In fact, my mother still has the table lamp that I made at school in woodwork to this very day—

Damian Hinds Portrait Damian Hinds
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Still waiting for it to come on!

Andrew Bingham Portrait Andrew Bingham
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I didn’t do the electrics; I left that to my dad.

Schools have moved on. They now teach subjects such as IT, media, technology—

Andrew Bingham Portrait Andrew Bingham
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I wouldn’t go that far.

Education moves to fit the world it provides for. I fully support today’s motion, as education needs to move again to suit the financial jungle that is the world in which we operate today.

School Funding Reform

Andrew Bingham Excerpts
Tuesday 19th July 2011

(13 years, 1 month ago)

Commons Chamber
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Michael Gove Portrait Michael Gove
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The hon. Gentleman makes two very fair points. On the first, we want to strike the right balance between local accountability through local authorities and school autonomy. The consultation seeks to do that, and I will welcome his response to it. On the second point, let me place on record here, as I did in my letter thanking Tim Byles for all his public service, that I am immensely grateful to him for his work. I have criticisms of the way in which BSF was run, but those are not criticisms of Mr Byles or of any of his team; they are merely a reflection of the difference of opinion between myself and the previous Government on how capital spending should be prioritised. Let me underline that Mr Byles is an exemplary public servant, and I hope that we can continue to work with him in future in whichever role he pursues.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Glossopdale community college in my constituency was not due any imminent BSF funding despite being in desperate need of renovation, or even rebuilding. Will my right hon. Friend reassure me that schools that genuinely need renovation or rebuilding will be given priority in the new capital programme?

Michael Gove Portrait Michael Gove
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That is absolutely correct. What I want to do is make sure that the schools in greatest need receive the funding. Resources are limited and it will be difficult to prioritise, but we must be fair.

Oral Answers to Questions

Andrew Bingham Excerpts
Thursday 9th June 2011

(13 years, 2 months ago)

Commons Chamber
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Mark Prisk Portrait Mr Prisk
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I cannot pre-empt the panel’s decisions, because they must be based on merit, but I am sure that some excellent bids will come from the black country area. I encourage the hon. Lady and applicants from the area to speak to the RGF team to enable them to hone their applications and ensure that they have a strong chance in the second round.

Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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Despite backing from the local enterprise company, a bid submitted by CP Holdings, the Sir Trevor Osborne property group, to the first round of the regional growth fund, supported by Derbyshire county council and High Peak borough council, was rejected—in my view incorrectly. What support and help are available now as the group bids in the second round to restore The Crescent, which is a grade I listed building in Buxton, and turn it into what would be Britain’s first and only genuine spa hotel, creating employment and wider economic benefits across the area?

Mark Prisk Portrait Mr Prisk
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My private office might be less than happy if I suggest I should visit, so I probably should not, but I can say that it sounds like an important bid. It also sounds as if improvements were needed for the second round, and I encourage the applicants—perhaps accompanied by my hon. Friend—to talk to the RGF team so that they can hone their bid and the spa can be successful in the future.

Sure Start Children’s Centres

Andrew Bingham Excerpts
Wednesday 27th April 2011

(13 years, 4 months ago)

Commons Chamber
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Andrew Bingham Portrait Andrew Bingham (High Peak) (Con)
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The right hon. Gentleman is painting a good picture of the work done by Sure Start in my constituency, but I wonder whether he and his fellow Manchester Labour Members will make representations to the city council about the £95 million cash reserves that it is holding, and about one or two jobs that it is advertising. For instance, it is offering annual salaries of £38,000 for a communications manager and £128,000 for a creative graphic designer. Would that money not be better put towards Sure Start?

Gerald Kaufman Portrait Sir Gerald Kaufman
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The hon. Gentleman reads out some brief that has been thrust into his hands and talks about Manchester. I can tell him that he knows nothing whatever about life in Manchester and nothing whatever about the lives of my constituents, a huge proportion of whom have already lived in deprivation and are now living in worse deprivation as a result of what is being done by this Conservative Government. The latest unemployment figure is 9.4%. Let the hon. Gentleman not be briefed by his Whips to tell me about Manchester, because my constituents sent me to tell the House about Manchester, and that is what I will continue to do.

Gerald Kaufman Portrait Sir Gerald Kaufman
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If the quality of the hon. Gentleman’s first intervention is anything to go by, I think that the House will be better off without a second intervention from him.

However, the problem is not simply the cuts in Manchester’s overall funding but the cuts in the early intervention grant, which helps to fund Sure Start. My right hon. Friend the Member for Leigh (Andy Burnham) said that nationally the cuts amounted to £50 per head. In Manchester, the figure is £80 per head: that is what this Government have done to the city. Manchester city council is utterly determined not to close any of our Sure Start centres, but because of what the Government have done—because of the disproportionately high cuts in the early intervention grant—the service that we have been used to in Manchester, and which the council wants to go on providing, will no longer be available.

The council is examining options, not one of which it would prefer to consider. It will have to withdraw from its current role as a provider of services and become a “commissioner of provision”. That means that it will try to provide services which are of sufficient quality and properly targeted, but because of the Government cuts it will not be able to continue to provide the service that a Labour Government enabled my constituents to take for granted as something that they would always have. When I was electioneering for the local elections—