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.
Fixing Global Finance Book
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
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