Mobile Banking – Good or Bad?
According to research done by the Neilsen Company, 9 out of 10 people have a cell phone and more than half of those people have smartphones. A smartphone is basically a small hand-held computer that allows you to access email, the Internet, make a phone call, or run applications. A growing number of financial institutions now offer mobile banking so customers can use their smartphones to check their balance, find the nearest ATM, pay a bill, or even transfer funds from one account to another. With all this technology, consumers need to understand the services offered and to be careful to protect their personal and financial information.Lump Sum Pensions and Investment That Brings Results
Not every employee is privileged to enjoy pensions after their retirement regardless of how long they have worked for the company. Pension benefits depend on individual companies and governments. While most governments offer pension benefits, not many private companies offer it; there is no legislation that insists on their participation of pension funds.Simplifying Your Financial Life
There are so many good reasons for you to organize and simplify your financial life but the four big ones are: it eliminates clutter, saves time, reduces stress and could save you money by helping to avoid fees or paying more interest than you should. A good fifth reason is that simplifying your finances helps protect against identity theft. These few simple steps should get you on your way to simplifying your financial life and getting your money matters in order.Making Free Money Online – Is This for Real or Just a Stratagem for Gain?
Making free money online is simple provided that you know what to surf in the net and you are familiar with the sites which offer the most accurate online selling opportunity that are appropriately advertised. There are a lot of websites which presents opportunities such as items for consumption or services that are very much on the go in a particular niche. All you have to do is search for the accurate product on these websites.How to Invest?
It’s a common question among newbies who are looking to take control of their finances for the present and the future. Investing plays a critical role in helping to ensure available funds for later consumption.Why Should I Pay to Open a Guaranteed Account and Why Can’t I Get One for Free?
Many high street banks still offer bank with no ongoing charges so can be an ideal choice for those looking for a ‘regular’ high street account. The problem is that as the banks make very little and often no money out of these bank accounts, they tend to be very selective with whom they allow in, so generally speaking anyone with any sort of credit issues are normally refused and often with no explanation. So how is then that an FSA regulated company can offer the services of opening a high street bank and…How To Choose The Perfect Financial Advisor For You
Having a good and stable life is something everybody dreams of. Apparently, as we age, we realize that in order for us to achieve that kind of life, we should work hard and manage all of our earnings. However, the task of managing all of your finances can really be stressful especially if you are someone who does not know how to do it.Retirement Planning Is Important
For most people, retirement is perhaps one of the most important phases of their lives. Because of its importance, it needs to be carefully planned for, to make it possible for the retiree to enjoy his golden years in peace and comfort. For this to be achieved, a percentage of one’s income is set aside or saved for the purpose of gaining financial freedom in retirement thus making the need for gainful employment optional rather than necessary.A Few Helpful Hints That Financial Services Can Make You Understand
Working hard to earn your keep in a day to day setting might sometimes seem that you are working for survival. A person’s wages are meant to cover everyday expenses after taking away the savings he is supposed to set aside for the future.Investment Tips for Retirees, Seniors, and Baby Boomers
How to invest at or near retirement is probably one of the most common questions I get. My answer: it depends. Typically investors begin to shift their retirement portfolio from growth to income as they get closer to retirement.How Is RDR Going to Affect the Financial Services Industry?
RDR is a big new change that is happening to the financial services industry, and promises to affect thousands. RDR is speculated to make lots of financial advisory firms close down and help introduce new innovation from other ways of distributing financial advice.Driving the Point Home: What You Probably Already Do to Save Money
Organization is the key to success and knowledge is power. It really doesn’t get any simpler than that when you talk about saving money. Learning your spending habits is the first thing you must do if you want to start saving money.Low Judgment Prices
In a bad economy, there is no way to save money when recovering judgments, except to cut back on recovery actions; or only accept those one out of a thousand judgments, that look to be “slam dunks”. At the same time that the economy is sliding, many judgment owners ignore reality, and refuse to believe their judgment is difficult to recover.What to Look for in an IFA
When choosing to use the services of any professional you always want to engage with the best one for your circumstances. This is really important when choosing who to advise you on your finances. Whilst ultimately it may depend on who you feel you have the best rapport with. Ensuring that you’re choosing from the most appropriate ones you need to check out a few things first…CPI Surprise to the Upside
None of highly trained economists in the US, nor any of the highly compensated newscasters have explained the key drivers of the low level of inflation in the last five years. They like most people merely assume that the recession and high unemployment kept prices down. The CPI is a weighted average of price changes of various expense categories. Clearly the category with the highest weighting will influence the index most – that category is housing. Now what happens when housing prices stop decreasing or even start to increase?