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        <title><![CDATA[Sweden Herald - Américo Fernández]]></title>
        <description><![CDATA[The latest Sweden Herald stories about Américo Fernández, in English.]]></description>
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            <title><![CDATA[More Swedish Households Consider Fixing Their Mortgage Rates as Riksbank Signals Rate Rises]]></title>
            <description><![CDATA[SEB's housing price indicator shows that more and more households are considering fixing their variable mortgage rates.]]></description>
            <link>https://swedenherald.com/article/more-swedish-households-consider-fixing-their-mortgage-rates-as-rates-rise</link>
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            <pubDate>Mon, 05 Oct 2026 05:21:20 GMT</pubDate>
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            <title><![CDATA[Swedish households’ stock assets overtake real estate for first time, SEB says]]></title>
            <description><![CDATA[In the wake of a strong stock market rally, shares have overtaken real estate as the largest asset class among Swedish households, according to SEB's Savings Barometer for the second quarter.]]></description>
            <link>https://swedenherald.com/article/swedish-households-stock-assets-overtake-real-estate-for-first-time-seb-says</link>
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            <pubDate>Wed, 02 Sep 2026 05:12:12 GMT</pubDate>
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            <title><![CDATA[Swedish households hit record high in real disposable income ahead of election]]></title>
            <description><![CDATA[Swedes can head to the polls with their spending pants on. Households have been better off in recent years. People probably feel significantly richer than they did four years ago, says Anders Stenkrona, private economist at Nordea.]]></description>
            <link>https://swedenherald.com/article/swedish-households-hit-record-high-in-real-disposable-income-ahead-of-election</link>
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            <pubDate>Sat, 22 Aug 2026 09:52:28 GMT</pubDate>
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            <title><![CDATA[Housing optimism rises as SEB price indicator regains ground]]></title>
            <description><![CDATA[The proportion that believes prices will rise in the housing market is increasing, according to SEB's house price indicator for July.]]></description>
            <link>https://swedenherald.com/article/housing-optimism-rises-as-seb-price-indicator-regains-ground</link>
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            <pubDate>Mon, 06 Jul 2026 05:22:47 GMT</pubDate>
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            <title><![CDATA[More people believe housing prices will rise as market shows thaw]]></title>
            <description><![CDATA[Major bank SEB sees a "thaw" in the Swedish housing market.]]></description>
            <link>https://swedenherald.com/article/more-people-believe-in-rising-housing-prices-as-seb-sees-thaw-in-swedish-housing-market</link>
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            <pubDate>Mon, 01 Jun 2026 05:15:52 GMT</pubDate>
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            <title><![CDATA[The bill for a child is skyrocketing - up to a million kronor]]></title>
            <description><![CDATA[Over the past ten years, the cost of raising a child has risen by almost one million kronor. From cradle to their 18th birthday, a child now costs 2.2 million kronor - and even more if a parent chooses to work part-time. That's an enormous increase in just ten years, says Américo Fernández, private economist at SEB.]]></description>
            <link>https://swedenherald.com/article/the-bill-for-a-child-is-skyrocketing-up-to-a-million-kronor</link>
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            <pubDate>Mon, 27 Apr 2026 03:51:58 GMT</pubDate>
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            <title><![CDATA[Swedish households have low expectations for reduced food VAT]]></title>
            <description><![CDATA[Swedish households do not believe the government's VAT reduction on food will lead to cheaper food, according to a survey commissioned by the bank SEB. Halving the food VAT is not a life-changing situation, says SEB's private economist Américo Fernández.]]></description>
            <link>https://swedenherald.com/article/swedish-households-have-low-expectations-for-reduced-food-vat</link>
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            <pubDate>Mon, 30 Mar 2026 04:06:53 GMT</pubDate>
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            <title><![CDATA[How the war in the Middle East is affecting the Swedish economy]]></title>
            <description><![CDATA[Stock market screens are flashing red after this weekend's attacks in the Middle East, while oil prices are rising. According to several experts, the unrest could affect Swedish wallets in both the short- and long-term.]]></description>
            <link>https://swedenherald.com/article/how-the-war-in-the-middle-east-is-affecting-the-swedish-economy</link>
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            <pubDate>Mon, 02 Mar 2026 10:58:49 GMT</pubDate>
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            <title><![CDATA[Stock market crash expected after tariff threats - here's what you should think]]></title>
            <description><![CDATA[A price drop is expected when stock markets open on Monday after a new US tariff threat against Europe, but it could be short-lived. Experience suggests this after a year of constant threats from Donald Trump, analysts say.]]></description>
            <link>https://swedenherald.com/article/stock-market-crash-expected-after-tariff-threats-heres-what-you-should-think</link>
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            <pubDate>Sun, 18 Jan 2026 14:48:58 GMT</pubDate>
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            <title><![CDATA[Entrepreneurs optimistic for 2026 as SEB survey shows optimism strengthened in January]]></title>
            <description><![CDATA[Entrepreneurs' optimism for the next three months strengthened in January and is now above the historical average, according to major bank SEB's Business Indicator survey.]]></description>
            <link>https://swedenherald.com/article/entrepreneurs-optimistic-for-2026-as-seb-survey-shows-optimism-strengthened-in-january</link>
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            <pubDate>Wed, 14 Jan 2026 06:04:01 GMT</pubDate>
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            <title><![CDATA[Households expect higher housing prices this year]]></title>
            <description><![CDATA[Households generally expect higher housing prices this year and a reduced proportion want to lock in their mortgages, shows the first Housing Price Indicator of the year from major bank SEB.]]></description>
            <link>https://swedenherald.com/article/households-expect-higher-housing-prices-this-year</link>
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            <pubDate>Mon, 12 Jan 2026 06:18:17 GMT</pubDate>
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            <title><![CDATA[Swedes reduce their monthly savings]]></title>
            <description><![CDATA[For the first time in a year, households' average monthly savings are decreasing, SEB's savings poll shows.]]></description>
            <link>https://swedenherald.com/article/swedes-reduce-their-monthly-savings</link>
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            <pubDate>Thu, 08 Jan 2026 06:52:08 GMT</pubDate>
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            <title><![CDATA[It's high time to clean up your finances for the New Year - "Take care"]]></title>
            <description><![CDATA[Control your taxes, take advantage of tax deductions and avoid spending Christmas on credit. Here are some expert tips on how to best clean up and get your finances ready for the new year.]]></description>
            <link>https://swedenherald.com/article/its-high-time-to-clean-up-your-finances-for-the-new-year-take-care</link>
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            <pubDate>Sun, 21 Dec 2025 10:34:38 GMT</pubDate>
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            <title><![CDATA[How the new mortgage rules affect]]></title>
            <description><![CDATA[First-time buyers in and around Sweden's major cities will benefit when new mortgage rules are introduced next year. But there is also a risk of rising home prices that erases the benefits for young homebuyers.]]></description>
            <link>https://swedenherald.com/article/they-are-winners-when-new-mortgage-rules-are-introduced</link>
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            <pubDate>Thu, 18 Dec 2025 13:11:41 GMT</pubDate>
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            <title><![CDATA[Billion-dollar record for Swedish household wealth]]></title>
            <description><![CDATA[The net worth of Swedish households exceeded SEK 25 billion during the third quarter, which is a record high.]]></description>
            <link>https://swedenherald.com/article/billiondollar-record-for-swedish-household-wealth</link>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Wed, 03 Dec 2025 06:15:07 GMT</pubDate>
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            <title><![CDATA[Entrepreneurs cautiously positive about the future]]></title>
            <description><![CDATA[Optimism among Swedish entrepreneurs is rising slightly in November, according to SEB's Entrepreneur Indicator survey.]]></description>
            <link>https://swedenherald.com/article/entrepreneurs-cautiously-positive-about-the-future</link>
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            <pubDate>Mon, 03 Nov 2025 06:51:48 GMT</pubDate>
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            <title><![CDATA[SEB Housing Price Indicator Shows Decline in Optimism for May]]></title>
            <description><![CDATA[SEB's Housing Price Indicator falls by 2 units in May, from plus 36 to plus 34. The percentage of households who believe in rising housing prices in the coming year is 47 percent this month, a decrease of 2 percentage points from last month.]]></description>
            <link>https://swedenherald.com/article/seb-housing-price-indicator-shows-decline-in-price-growth-expectations</link>
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            <pubDate>Mon, 12 May 2025 04:42:31 GMT</pubDate>
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            <title><![CDATA[Spring Budget Offers Limited Relief for Household Finances]]></title>
            <description><![CDATA[Despite the turbulent economic situation, there is a lack of good wallet news in the spring budget. It can mean a lot for some households, says Shoka Åhrman, savings economist at SPP.]]></description>
            <link>https://swedenherald.com/article/spring-budget-offers-limited-relief-for-household-finances-f08ea</link>
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            <pubDate>Tue, 15 Apr 2025 05:51:32 GMT</pubDate>
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            <title><![CDATA[Fewer Households Expect Rising Housing Prices, SEB Report Shows]]></title>
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            <pubDate>Mon, 14 Apr 2025 05:33:59 GMT</pubDate>
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            <title><![CDATA[Spring Budget Offers Limited Relief for Household Finances]]></title>
            <description><![CDATA[Despite the turbulent economic situation, there are still few good wallet news in the spring budget. It can mean a lot for some households, says Shoka Åhrman, savings economist at SPP.]]></description>
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            <pubDate>Sun, 13 Apr 2025 05:10:43 GMT</pubDate>
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            <title><![CDATA[Swedish Wealth Surges in 2024 Despite Year-End Market Dip]]></title>
            <description><![CDATA[The Swedish households' gross and net wealth decreased during the fourth quarter of 2024, according to SEB's savings barometer. But for the full year, an unusually strong increase is noted.]]></description>
            <link>https://swedenherald.com/article/swedish-wealth-surges-in-2024-despite-yearend-market-dip</link>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Wed, 05 Mar 2025 06:18:28 GMT</pubDate>
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            <title><![CDATA[Solo Entrepreneurs' Optimism Grows]]></title>
            <link>https://swedenherald.com/article/solo-entrepreneurs-optimism-grows</link>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Mon, 03 Mar 2025 06:06:03 GMT</pubDate>
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            <title><![CDATA[More people believe in rising housing prices]]></title>
            <description><![CDATA[The proportion of households that believe in rising housing prices in the coming year has increased to 56 percent, up 2 percentage points from December, shows SEB's Housing Price Indicator for January.]]></description>
            <link>https://swedenherald.com/article/more-people-believe-in-rising-housing-prices</link>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Mon, 13 Jan 2025 06:27:53 GMT</pubDate>
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            <title><![CDATA[Expensive weekends are over – this is how you handle tough January]]></title>
            <description><![CDATA[The expensive weekends are over and for many, a tough January is now awaiting. Cut back on expenses and avoid quick credit solutions, is the advice. Most importantly of all: Make sure January doesn't color your entire year, says SEB's private economist Américo Fernández.]]></description>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Sat, 04 Jan 2025 06:24:15 GMT</pubDate>
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            <title><![CDATA[More Believe in Rising Housing Prices]]></title>
            <link>https://swedenherald.com/article/more-believe-in-rising-housing-prices</link>
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            <dc:creator><![CDATA[Sweden Herald]]></dc:creator>
            <pubDate>Mon, 14 Oct 2024 05:08:19 GMT</pubDate>
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