Quite a number of banks and building societies have either merged or been taken over especially since the start of the credit crunch.The credit crisis in the UK is of course still continuing while the rest of the G20 nations have all eventually come out of the recession.The collapse of The Northeern Rock was the first and biggest collapse of any major lending institution.Savers throughout the UK were reduced to a state of panic due to what was...more
With the UK economy starting to show glimmers of recovery, the recession has taught us many lessons. Unfortunately, criminals have learnt new tricks over the past few years and at the top of the statistics is identity theft.There are two main types of fraud: Identity Fraud is the use of stolen (or completely false) identity to obtain goods or services such as loans, mortgages or credit cards, sometimes referred to as new line of credit...more
The forex world market is different from any other financial trading market in that it is open 24 hours a day. Of course this is only true in the business week, but from Monday morning (or Sunday evening in many time zones) through Friday afternoon it is open non stop and you can trade at any time. This is because the forex market does not operate in any one fixed place. It involves all of the world's currencies and trading is possible during business hours in all time zones. This covers the whole 24 hours.However, if you are actively involved in forex trading you will want to know more than this. You will need to know what are the best times to trade, since the market is not equally active 24 hours a day. You might also want to know the precise times of the opening and closing at the beginning and end of the week, and the different session times in the biggest financial centers.You may know that the international date line runs down the Pacific Ocean, with Asia and Australasia on one side and the American continent on the other. New Zealand is one of the first countries to begin the new day, with eastern Australia following. So when the financial center in Sydney opens for...more
How about carry trading? Have you ever given carry trading strategy a thought? Carry trading is one of the most popular passive long term trading strategy that is frequently employed by big banks, institutional investors, corporations, hedge funds and pension funds. Millions of retail investors also use carry trading to grow their wealth over time....more
Self certification remortgages and remortgages have been around for a long time.The self certification of income for self employed remortgages and mortgages applicants was very common and also very popular.Self cert. income means that no official proof of income is required and that the mortgage applicant simply declares what he earns.The self...more
Most of us are not in a position to mindlessly fritter away our money, yet that is exactly what many of us do on a daily basis. Without realizing it, most of us waste a few pennies here, and a few dollars there each day and throughout the weeks and years. These pennies and dollars add up in the end. The old adage a penny saved is a penny earned is as true today as ever. It means simply that not spending money yields the same result as earning money. Its a concept that is simple yet profound. One place where many of us spend more money than we need to is in the workplace. Below you will find a list of five (5) relatively painless ways to to help you tighten up your spending during the workweek. Remember, a penny saved is a penny earned. 1. Bring Your Own Beverages (BYOB). Did you know that buying just one coffee at Starbucks each day can add up to $20 or more each week, and more than $1000 per year? Buying soft drinks, water, and other beverages at work also adds up to a significant amount of money that could otherwise be saved if you brought your own drinks from home. For example, a bottled water at the vending machine might cost you $1.00 or more; on the...more
The user can navigate the scene, studying the tree from different angles to ensure that the 3D tree meets their requirements. Pressing escape exits the preview, and allows the user to make adjustments to the tree Free 3d model before exporting or...more
When buying a new home, deciding between fixed rate mortgages and variable rate mortgages can be a tough call. As important as the decision is, though, it demands a lot of thought and consideration.Fixed Rate Mortgages -As most mortgage brokers...more
Very few people sail through life without any financial worries, and at one time or another most people experience debt problems.The situation really has come home to roost due to the recession adversely affecting salaries.Many house holds have seen...more
If you are trapped with a monetary disaster and do not have anything to present as guarantee, then opting for an unsecured loans can be the only viable option. Earlier, it was not possible as lenders dont allow the loan without any collateral but now...more
With the holidays right around the corner, many of us are making holiday travel plans. As you are making your holiday travel plans, identify opportunities to integrate your holiday travel plans with your tax strategy - legally!Tip #1Spend more than...more
You have learned how to create a real estate business. But at the same time, you want to create your net worth. The steps to getting this done are a 5-step process. Not only can you apply this process to your business, but you can apply it to your...more