Fixing Global Finance Book

Must read given the state of today's economy. Incredibly thoughtful yet accesible piece of work that puts today's economic crisis in its historical and economic context from one of the World's leading economists.

How to Save Money on Electric Bills

With prices increasing everyday, people are looking for ways to save money on household expenses. One of the best ways to save money is on your monthly electric bill. Read on to discover 5 steps to save money on electric bills.

1. Make sure that your meter is reading accurately. Give your electric company a call and ask them to send someone out to do an evaluation on your meter. You'd be surprised how many mistakes are made by inaccurate meters.

2. Have an annual checkup on your furnace and air conditioner to improve efficiency. The small amount you spend could save you hundreds of dollars over the course of one year.

3. Install a clean air filter on a regular basis and replace or clean it monthly. Dirty filters cause the equipment to work harder and use up to 5% more energy. Also, set your thermostat up more in the summer and lower in the winter. Each degree you go up or down can make a significant difference in your bill. Do this gradually over time and you'll be surprised what a difference it will make.

4. Replace old light bulbs with energy efficient ones. Yes, they do cost more at first, but the extra savings will pay off in the long run.

5. Keep furniture and draperies away from air vents inside the house. Air should be allowed to flow freely throughout the home. Make sure that nothing is blocking its path. Also, be sure to weatherstrip doors and windows to prevent expensive air leaks.

Avoid wastefulness by turning off any appliances or electronic not in use. Lights, televisions, and video game systems use more electricity than most people think. By making a few simple changes in your lifestyle, you can see significant savings on your next electric bill.

Article Source: Save Money on Electric Bill

How to Measure Finance Strength of Online Banking Companies

A good and decent company abides by set objectives and fulfills these objectives to promote growth and progress. Measurable company KPI's should complement these objectives to maintain integrity while in the process of realizing the said objectives. The question of integrity will always be there since there is more than one way to achieve an objective. Unfortunately, some of the ways can be tagged as unethical to common business standards, thus, the issue with integrity. Methods, like how to measure finance, can be intervened. Results can be tampered just to show a solid intra-company economy, despite the fact that the company is suffering losses.

Now, why would a company do that? The answer is simple. A revealed weakened state does not attract investors at all. On the contrary, investors flee at the first sight of heavy loss. Putting it at a more understandable perspective: Would you pour precious water into a leaking container? If you are aware that the container has a leak and you deem your water precious, pouring it in would just mean you are wasting your water, and you are very well aware of the process. It makes sense when placed into this context. Or, does it? Either way, investors will never waste their money on something that could mean a sure loss on their part when it comes to ROI or returns on their investments.

The strength of online banking companies is evident at a distance. Even if you have not been to their webpages or have not read some of their company background, the people they have done business with can pretty much mirror what they really are. Satisfied customers are walking ads for these online banking companies. So, this is one way of measuring their finance strength, through people they have done business with.

Online finance companies, more or less, revolve around these two common objectives: customer acquisition and minimized interactions cost. For sure, both objectives are easy to understand. For customer acquisition, it simply means the accumulation of customers to do business with. As for minimized interactions cost, it means that the company will keep expense at a minimum for every interaction done between them and their customers. Since there is mention of KPIs indirectly affecting a company's ways in achieving company goals or objectives, it will be wise to determine specifically what these are.

Customer acquisition has a separate set of KPIs; these are account sign-up, addition of new accounts, application downloads (since the company is online), pre-approvals (for new accounts opened), and locating an agent. High marks on these measured KPIs ensure the accomplishment of the customer acquisition objective. The KPIs for the second objective, on the other hand, are as follows: average cost/interaction, self-service visits, response (email, calls, etc.), and web percentage of customer interactions.

Summing up, the two ways on how to measure finance strength of an online banking company are through the people the company has done business with and the strict compliance to the KPIs the company follows to achieve their objectives. Fulfilling these two and observing integrity every step of the way will not need a cover up of losses since a company will never experience loss after it accomplishes its objectives without cheating through them.

Article Source: How To Measure Finance

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How to Send Money Abroad From the UK

Remittance is the transfer of money from one point to another; a transaction usually made by foreign workers and immigrants to send money to their home country. Money remittances serve as one of the largest types of financial transactions in the world, with remittances to developing countries reaching £83.9 billion in 2005, and close to £125.6 billion in 2006. This figure is more than twice the amount of international aid.

Remittances are considered a lifeline for people in developing countries. With the relative strength of currencies from developed countries, the money sent regularly to homes could be much more compared to the average salary in developing countries.

The increasing role of remittances in families' incomes is starting to play a role in national development policies. Since one needs to open a bank account to receive remittances, governments can leverage remittances to promote economic development.

For example, the strength of the Philippine Peso and the Indian Rupee is based on the volume of foreign currency sent. The large amount of foreign currency that is transferred to these countries helps moderate local currencies. In South America, remittances account for almost 10% of the GDP in six Latin American and Caribbean countries.

An increase in money remittances is a symbol of a globalised economy, as more migrant workers from developing countries travel to the developed world to work in various jobs where domestic manpower is not available. Remittances are also valuable sources of domestic investment to aid economic goals.

Remittances can also be a crucial source for supplemental income during natural disasters and calamities. Money transfer services are also employed by non-government organizations and charitable institutions, so they can effectively mobilize their programs during a crisis.

Various remittance agents and money service providers facilitate money sent from one country to another. In India, cash2india.com or Xoom.com handles online-to-offline money remittance. With their online facility, you can transfer money from the UK to be picked up or delivered to the receiver in India. The global leader in money transfer services is W Union. With their long history in this industry, you can find a W Union branch almost anywhere on the globe.

Popular online facilities are also used for remittances. The easiest way to transfer money to india is Paypal, the largest and most widely used online money transfer in the world. A leading alternative to Paypal widely used in UK and the rest of Europe is Moneybookers. More and more international and local money transfer services facilitate remittances from UK to all parts of the world. The cost of money transfer varies depending on the type of service and the geographic cover of operations.

The top remittance countries in the world are mostly from Asia. In the period between 2006 and 2007, £13.5 billion worth of remittances were sent to India, followed by China with £11.3 billion. Third on the list is Mexico followed by France and the Philippines. Remittances will continue to come from UK, US, and the rest of the developed countries to these developing economies.

Article Source: Transfer Money from UK









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10 Simple Financial Advice Rules That Can .........

10 Simple Financial Advice Rules That Can Create Wealth

Money is what "makes the world go round." And one of the most difficult propositions in life is to manage money.

While some are born with great financial acumen others need to be methodical and follow sound advice.

Here are a few basic tips:

1. Inculcate frugality within you; desist temptation to spend now save later. Every dollar earned must be divided into four parts: one part to meet essential expenses; one part to be invested in short-term savings; one part for retirement savings; and one part for emergency expenses.

2. Create with expert advice an infallible financial plan. Plan your credit report, taxes, and expenses. Keep a watch and learn how to regulate yourself.

3. Avoid the debt trap set by credit card companies and the easy availability of loans. Only spend what you have in hand and not any monies in advance.

4. Learn the art of investment. The World Wide Web is a reliable resource for information, reviews, and guidelines on investments. If doubtful seek expert advice on investments; the ideal is to balance investments into sure-fire investments, medium risk investments, and high risk investments.

5. Make wise decisions when buying a home, office, and more. Avail a mortgage that works for you. Property can be a good investment when bought after deep thought and in allocation where the appreciation is high.

6. Teach every family member how to invest and the secret of handling money wisely. Even children need to learn from a young age.

7. Insure your interests. Take enough insurance but learn the art of saving on premiums, clubbing policies, and umbrella policies. Know how to save money every step.

8. Spend prudently. Plan your luxuries and eating out. Learn how to shop sensibly and not indulge.

9. Avoid lending money or borrowing money. Financial matters are best handled alone and not through family or friends.

10. Review your financial plan regularly and make the necessary adjustments. As a family grows needs change. Begin saving for college and education from the early years. Teach the children never to take you for granted. Discuss things with your family members.

Use expert advice when needed so that you are always protected financially. Read websites such as that hosted by the Federal Trade Commission to protect America's consumers: http://www.ftc.gov

The World Wide Web is a knowledge highway and brings financial advice to the finger tips. Keep abreast of money management, taxation, insurance, and property laws. Plan for retirement and be secure in the future.

Article Source: Financial Advisors

How to Save on Car ..........

How to Save on Car Fuel by Cutting Operating Costs

The annual operating costs of a car include fuel costs, tyres, replacement of parts, general maintenance and servicing costs, motor insurance and depreciation. Of these, fuel costs are the ones that are currently hurting car users the most because oil prices are at historical highs and are expected to stay around these levels. Now is the time for car owners to evaluate commuting habits and accordingly alter ones behaviour to offset the rising fuel costs. The following are some suggestions that can help car owners.

• Consider alternative fuel options to petrol: Diesel and CNG are options you can consider to cut down on your petrol bills. Both are cheaper, but CNG will also be more environmentally friendly. A CNG kit does not cost a lot and can be more fuel efficient in the longer run than a petrol or diesel car.
• Control your speed: As speed increases, the car’s engine works more and this results in more fuel being consumed. Drive at a constant speed, rather than frequent acceleration and braking.
• Idling: Idling and being stuck in traffic jams is not only frustrating but also wastes fuel. Consider starting your commute earlier than normal so you can avoid rush hour. You might get an uninterrupted ride to work, thus allowing you to save on fuel consumption. Alternatively, if you cannot avoid rush hour and jams, switch off your car’s engine if you know that you are going to be stationary for more than 2 minutes.
• Use the car AC judiciously: Using the car AC is a trade-off between higher fuel consumption due to more power being consumed, versus poor aerodynamics on the car due to high wind resistance if the car has its windows open. When weather permits, switch off the AC, especially while driving within the city limits. You can save minimum 10% on fuel. For long distance travel at constant speed around 60 km/hour switch on the A/C.
• Maintenance: Regular maintenance and servicing will keep your car in a healthy condition. Get your car tuned regularly. Check the engine oil periodically. Replace the air filters as needed. You will be surprised that your car become at least 10% more fuel efficient just through these good habits.
• Get rid of extra weight in the car: The heavier your car is with extra items like boxes or bags, sports equipment and other clutter in the boot, the more fuel that your car will consume. Get rid of the extra weight and improve fuel efficiency.
• Optimum air pressure: Check the tyre air pressure. Under inflated tyres will burn more fuel and give you an uncomfortable ride because they don’t drip the road as well. You can save up to 5% just through optimum tyre pressure.

Article Source: financial planning






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Online Shopping Tips

Be a safe shopper. Make sure the website you are buying from is secure. There are several easy ways to check if a website is truly secure. Look where the address is displayed, you should see https://. The "s" lets you know that the website is secure.

Look on the right side of the address bar if you see a closed padlock then the website is secure. Some websites display an authentic and secure logo on the bottom of the page.

Be an educated shopper. Know what you want to buy and the price you are willing to pay. Compare prices on the product you are looking for remembering to check the taxes and shipping fees. Product reviews are a great way to find out what you are getting into from people who have already made the same purchase.

Be an organized shopper. Be sure to save and/or print all receipts and confirmations you receive as well as all tracking information. Also remember to check the stores return and exchange policies.

Be a prepared shopper. Holidays are very busy for you and the stores you are buying from so be ready for delays. Buy your gifts ahead of time that way you won't be frantic as the holiday draws near and your package has not arrived. Find out if you can ship the item you purchase to a different address, most stores allow this and since shipping seems to take forever around the holidays this would really save you time and headaches. Also check to see if the store has gift wrapping, that is always a plus!

Be a happy shopper. Shopping is fun so enjoy it. Make a wish list for yourself while you're shopping for others and give your wish list to the ones you love. List your favorites at the top and work your way down, putting stars or smiley's next to your favorites also works well. Sometimes our loved ones need a little help.

Be a realistic shopper. Know how to get in touch with the store you purchase from should problems arise. If problems should arise, know who to contact if the store won't respond. A good place to keep in mind when you need help is the Better Business Bureau.
If a deal seems too good to be true, it probably is.

Be an economical shopper. A great way to save money is to use online deal and coupon websites. These websites offer coupon codes on products which you can use during the checkout process. Also check these deal websites to see if they have a free shipping code for the store you will be making your purchase from. Some deal websites even have printable coupons so you can take the coupon with you. Also check to make sure that the coupon code has not expired.

Article Source: online comparison shopping

How to Repay Student Loans - Simple Planning That Will Save Your Cash

Do you find yourself wondering how you're going to repay your student loans? These days, you simply must have a college education to get a good job and for most that means you're going to have student loans. These various loans can often get unmanageable when you get behind on payments and entirely lose control of the situation. Fortunately, there are a couple of options out there that can help you out.

Refinancing?

First, there is refinancing. Refinancing saves you money because you transfer your loan to another lender that will give you a lower APR (annual percentage rate). Your APR is the total cost of the credit the lender is giving you. It is a percentage of your total loan and the amount of money it represents decreases as your loan amount decreases when you make payments on it. Before you jump in, however, you should consider the cost of refinancing. While there are some lenders that won't charge you a fee up front, there are some that will. Don't use a lender that will charge you a fee that will end up costing you more on a monthly basis, for obvious reasons.

Should You Use Your Bank?

The place in which you do your personal banking is a great place to start when you want to refinance because you already have a relationship with them and they know you financially. They have records of all the business you've done with them in the past and have a fairly good idea of what you are about. Banks enjoy having customers attached to several of their "products," as it gives them longer-lasting bonds with these individuals; individuals that are less likely to default on loans with a bank with which they have had a long-lasting relationship.

Consolidation?

Another great option is consolidation. Consolidation simply means that all of your student loans are "bought out" by a lender (possibly even the lender that holds your current loans) and lumped together into one loan. You are then able to pay on all your loans in one monthly payment, rather than several smaller payments. You save money in the short term because you are making lower monthly payments, but over a longer period of time.

Word Of Warning

One factor you have to think about is that consolidation will cost more money in the long run. While you do save money immediately, the accumulated interest will ultimately cost you more on the back end of the loan. The smaller payments help you deal in the short term but interest will continue building on your loan. What this means is that you are only going to be paying a little bit at a time on the principal, i.e. the full amount of your loan, not counting interest or other fees. Most of your monthly payment will be applied to the interest on your loan, which means that it will take you longer to pay it off.

Conclusion

If you are a college graduate struggling with several student loans, you do have options. Don't turn to bankruptcy just yet; first consider refinancing and consolidation. Both of these options make it a lot easier to repay student loans.

Article Source: repay student loans

What PayPal Doesn't Want You to Know About Their Protection Program

Online shopping has never been so popular. These days, more and more people are using online marketplaces such as eBay to shop for their needs. Buying online is not only convenient, but it empowers buyers. They can use comparison engines such as Froogle and PriceGrabber to get the best prices and save money in the process. And best of all, you don't have to physically present in a store to be able to buy things.

PayPal has been around for such a long time, and it makes it so easy to pay for things online. Anyone who has used eBay in the past few years has probably used PayPal to pay for items on eBay. PayPal is so popular that more online stores are adding PayPal as a payment option. After all, not only it's convenient, but also it's a very secure option for both sellers and buyers. Or is it?

PayPal promises a lot to both sellers and buyers. Most people use PayPal as they find it to be secure and easy-to-use. However, hackers have managed to access numerous PayPal accounts in the past, and that problem is only getting worse. Hackers access people's accounts by sending them fraudulent e-mails to gain access to their account information. Unfortunately, there is so much PayPal can do to avoid this issue. So it is essential for the consumers to go to PayPal by clicking on any email link.

PayPal offers protection to both buyers and sellers against fraudulent activity. PayPal's seller protection program protects sellers against unjustified chargebacks and reversals. But the protection is not foolproof, as sellers are not protected against "Significantly Not As Described" claims.

Buyers are also not fully protected by PayPal's buyers protection program. While you can dispute transactions that you have done via PayPal, it does not protect you against items that you have bought on other marketplaces than eBay. In addition, the complaint process is very time-consuming, and there are many loopholes that PayPal can use to reject you complaint. Worst of all, PayPal does not cover non-physical products. That means if you purchase a website on a marketplace such as SitePoint, PayPal will not protect your purchase against fraud.

In most cases, it is better to only add credit card accounts with $0 fraud liability to your PayPal account. That way you can dispute your transactions with your credit card company regardless of PayPal's decision. PayPal is a wonderful service that helps millions of shoppers has a rich online shopping experience on a daily basis. However, the protection provided to buyers is not nearly enough. By using a PayPal credit card account that protects you against fraud, you can shop online more freely, knowing that your transaction is protected regardless of the loopholes available in PayPal's protection program.

Article Source: credit tricks

How Do You Remove Charge Offs From a Credit Report?

1. Actively seek to repair your own credit.

Credit repair will not just come to you one day. If you do not seek to repair your own credit charge offs will stay on your credit report by law for 7 years. If you pay a charge off it will still remain on your credit report. However, once a charge off has been paid it is much easier to have it removed from your credit than an unpaid charge off. The easiest way to have a paid charge off removed is to dispute it.

2. Dispute charge offs. (And all negative items on your credit report for that matter)

It is your right as a consumer to dispute any negative items on your credit report. According to the Fair Credit Reporting Act you can dispute charge offs, Article Source:repossessions, foreclosures, collection accounts, bankruptcies, tax liens, judgments, etc. The point is anything on your credit report can be disputed, so dispute your charge off.

3. How to dispute negative items on your credit report:

Contact the credit bureaus. The best and most effective way to do this is to write to them and clearly state your intentions in your letter. Make sure all credit reporting agencies who report the negative items on your credit get the same letter. If at all possible include the credit report with the item circled so there will be no confusion.

4. Conducting the investigation.

The best part about this step is that you do nothing but wait. Once you dispute the charge off the credit bureaus then have 30 days to investigate the charge. They contact the original creditor by sending out an electronic notice asking them to agree or disagree with the dispute. They do not check out the information with the courthouse that they are supposed to they merely run the document against a public record database. If the dispute is not validated within the 30 day time frame it must be removed from your credit.

5. Follow up with the credit bureaus.

It is important that you do your own follow up. Many times credit bureaus will not just remove items from your credit you have to make sure to follow through with phone calls. But it will be worth it in the long run. You will begin to see a rise in your credit score in no time.
Article Source:
Lexington Law


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Can Do-It-Yourself Credit Repair Work For You?

A good credit rating is one of the most important factors in leading a sound economic life in today's society. Most people don't know how many things depend on a good credit rating. Things that we take for granted every day wouldn't be possible without a good credit rating.

Every time you miss a payment, it is reported, and goes on your credit report. If this happens too often, you will need to get your credit repaired, because you will nearly always be turned down for loans and credit cards.

Many companies offer credit repair services, they are all over the internet and classified ad pages. Nearly all claim to be able to fix your rating quickly for money. However, you should be skeptical of these companies, as nearly all are scams, and you can fix your credit rating by yourself.

You can do anything that a credit repair company could do for you: and for less money. Whatever they clam, credit repair companies cannot erase your credit report. Instead they will tell you to go to the credit bureau to challenge any negative items on your report.

Sometimes credit repair companies will even do things that could be deemed illegal. They will probably tell you to start a brand new credit card report, complete with different banking and address details.This is both illegal and ineffective.

It is so much more effective to repair your credit report yourself. If you go online, you can find lots of sites that offer steps on how to do this. The best thing to do would be to look at advice from a trusted organization.
First what you should do is get your credit report from the bureau. Once you have the report you should challenge anything on there that is incorrect (in a letter). Make sure you only challenge things that are actually incorrect. If your report is mistake free however, you will have to repair your rating the old fashioned way.

The best thing to do is get a secure credit card and use it on a regular basis. By doing this you will slowly start to repair your rating. If you only make purchases you can afford, you will be able to pay your creditors on time. This way, you will be able to prove to them that you are reliable enough for credit. Although this is a slow process, it is the only one that truly works effectively. This manner of DIY is much more successful in repairing your credit report than most methods offered by credit repair companies today.

Article Source:Credit-Repair-Review.com

How Can You Obtain Credit During the Credit Crisis in America Today?

The credit crisis has left millions of consumers with lots of questions regarding where they stand in the credit lending arena. Easy credit and nothing down mortgages are a thing of the past. One of the most important things you can do to ensure that you can qualify for a loan when you need to is to shoot for the magic number.

What is the magic number?

Your credit score can range from 300 to 850. Lenders will usually consider you for a home loan or car loan with a credit score of 525 and up. However, due to the recent credit crunch and the huge losses from the sub prime market lenders have tightened their belts and obtaining credit has become harder than ever before.

The ideal credit score is considered 720 and above. This score pretty much opens any and all doors for you when it comes to getting approved for credit. Keep in mind that just because you have a 720 credit score does not mean you may qualify for any type of home loan or any amount. There are other factors to consider when it comes to qualifying for a home loan such as debt to income ratio.

If you don't have a 720 score, then the first step is to shoot for a 660. The 660 score range means you can qualify for most major credit cards. When applying for a home loan lenders pull a tri merge credit report and consider the middle score when it comes to lending approval. For example, your Equifax score is 670, Transunion 640, Experian 610 then the middle score considered for lending qualification would be 640.

One of the sure fire ways to increase your credit scores is to make sure your true credit limits are being correctly reported. Credit limits showing on your personal credit profile have an important impact on your credit score because it reflects your true debt to credit limit ratios.

After numerous consumer complaints nationally one of the largest creditors in the country finally decided to report the credit limits of its customers. Have any idea who the company is? It's Capital One, and because of this change many consumers credit scores increased.

Unfortunately, some creditors have not adopted this and as a result millions of consumers are left out of the dark when it comes to ensuring their true credit limits are being accurately reported on their credit reports. This of course impacts the credit score and impacts what type of interest rate or loans a consumer qualifies for.

American Express and HELOCS (Home Equity Lines of Credit) are known for not reporting the accurate credit limits of an account. For example, the American Express green card does not have an actual credit limit so the limit reported on the credit report of a consumer is actually the maximum amount that you have ever spent on that card. So if all you have ever charged on your AMEX was $3,000, and you paid it in full when the statement came and then you spend another $3k the following month, the $3,000 limit reported would show that you are using your card at 100% of your credit limit.

How do you leverage the true credit limit reporting to your advantage?

You basically have the power to set your own credit limit with AMEX on your credit reports. The question is what's the percentage you want to shoot for on your debt to credit limit ratio with AMEX?

No more than 30%! So, if you know that you regularly charge let's say $3,000 per month on your AMEX then you want to make sure that the true credit limit reporting for your AMEX account on your credit reports is $10,000 or more. Why? Because if your limit reporting is $10,000 for AMEX and your charging $3k monthly then you are right at 30%, therefore your score will boost tremendously!

How do you set your own credit limit?

To increase and leverage that AMEX credit limit higher on your credit report, you should use your AMEX card and spend over $10,000 such as travelers checks or something like a TV then pay it off when the statement comes. Go back to spending $3,000 again like normal. Your AMEX credit reporting limit would then increase to $10,000 as your limit and your regular spending habit of $3,000 would be below 30%.

You will need to reset your limit again in about 7-8 months so keep that in mind. This strategy alone can boost your credit scores 25 or more points!

Marco Carbajo is the owner of UCan2, Inc., a national marketing company specializing in credit repair and FICO enhancement. He is author of many credit and FICO related articles. If you are looking for help to repair your credit or increase your FICO Scores visit us at
Article Source:Marco Carbajo

Do You Respect Yourself Financially?

There is always much talk about what the secrets for achieving financial dreams, whatever they be, are. It may seem like a mystery as to why some people seem to be able to make a lot of money, keep it and then go onto make more. The truth is these people follow some basic laws concerning money management. These laws are not difficult to understand, however they do require discipline. Money management and financial knowledge is important.

I am sure that there are some people who are reading this who feel ashamed about how they handle their money. The trouble with this is that shame or guilt about finances only creates a state of "poor" thinking and this type of thinking attracts more financial trouble. To turn this around you need to focus your energy and attention on new behaviors that will establish you to think wealthy thoughts. When you feel good about how you handle money, you can learn to trust yourself.

To improve your financial health you need to start out slowly and methodically in order to develop the good habits of fiscal management. Start by asking yourself this question: "What's the one thing you need to do in order to improve your financial well-being.?" Usually you will know immediately what it is because it is baggage that you carry around with you daily, baggage that weighs you down. Then again it may be that really have no idea. If this is the case it would be very useful to contact a financial planner. Experts with knowledge on specific tax laws and investment opportunities can assess your situation and advise or make suggestions about where you need to begin. Don’t underestimate the help they could provide you.

Once you have an answer, do something about it this week. The secret is in the doing. So, just how committed are you to paying careful attention to how you spend and invest, which is the key to making and supporting wealth? Do you want to develop high financial self-esteem when handling your money? Do you want to develop good money habits and maintain the discipline to live within your means? If so, you stand to benefit by increasing your level of financial self-respect and confidence. Last, but not least, your pockets could end up being a lot, lot fuller.