need-some-information-on-annuities

Need Some Information On Annuities?

Writen by Mark Gardner

Many people are confused about annuities and just aren’t sure what they are and who they can benefit. There are also some people who think an annuity is something just for your retirement, and whilst this is true, you’ll find that an annuity can actually be used in a number of ways.

Annuities are widely used for retirement, in fact, state and federal regulations look favorably upon annuities that are used for retirement. If you’re thinking about your retirement and you’ve considered an annuity, you’d be wise to talk to a professional and find out whether the federal regulations can actually help you with an annuity. Nevertheless, an annuity could benefit you even if you’re not planning on your retirement.

First and foremost would be a structured settlement. You would typically be given this kind of annuity if you were to win a lawsuit. Those people who have won a large lawsuit normally have to deal with huge medical bills. In such a situation, the judge will consult with your lawyer and also an accountant and they will look to find the best annuity for you, given your personal circumstances.

Another situation where an annuity could benefit you is a lottery win! A smaller win of several thousand could end up offering you some fantastic benefits if you were to put the winnings into annuities. There have been many lottery winners who have fallen into troubled times because of poor planning. Besides lottery winners, people can often receive large sums of money quickly through an inheritance. Again, investing some of this money into an annuity could offer you many long term benefits.

When you examine the various annuities that are available to you, you will more than likely come across a gift annuity. With a gift annuity, you give a lump sum to a particular charity and over the course of time they will pay you the interest on that sum. However, you’ll find that the interest paid to you will be less than a typical annuity and you will not have the option of cashing in your annuity.

An annuity is a curious creature, but if you’re careful, they can bring you many benefits. Always make sure that you speak with a professional in addition to the individual who’s trying to sell you the annuity!

opening-a-bank-account-doesnt-have-to-be-difficult

Opening a Bank Account Doesn’t Have To Be Difficult

Writen by Jakob Jelling

If you’re a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you’ll have taken the first step in a long-term process of financial independence and growth.

A bank account is not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however, do some research. Talk to your friends and family about where they do their banking. Ask them questions about the service their bank provides, and whether or not they are satisfied with it.

Next, determine exactly what type of account you want. The two most common types of accounts are a checking account, and a savings account. A savings account does just what its name implies - it allows you to deposit money in the bank that will receive a small amount of interest over a period of time. A checking account is intended more for daily, weekly, and monthly transactions, such as the writing of checks and the withdrawal of cash for various minor purposes. For this reason, a checking account does not usually generate interest.

When choosing a bank account it is crucial to know what services are important to you. Do you want low fees, access to an ATM machine, good customer service by phone and Internet banking? Or maybe you simply want to have an account with a bank that is located conveniently close to home? These are all key questions you must ask yourself before choosing a bank.

Once you’ve chosen a bank, all you have to do is go to the branch and fill out an application form. Most of the time you also have to provide the bank with an initial deposit for the account as well. Then you are given a bank number and an ATM card (if you chose this option). If you have opened a checking account you will also be given a book of checks.

global-banking-forced-to-favour-the-customer

Global Banking Forced to Favour the Customer

Writen by David Llennac

Banks worldwide are offering more and more new services that help the customer understand and plan for their future. The bank or financial institution is nothing without the customer and finally the customer is reaping some of the rewards. Visitors to http://www.choosingabank.com can find out about the best financial institutions, choices, options and the best competitive rates - interest both on loans and term deposits.

With healthy scepticism surely this is not for the benefit of the customer but really illustrates the need for banks to get competitive. The 10 most successful (profitable) banks in the world listed below show their clear profits for 2003:

1. Citigroup 20 billion

2. Bank of America 15 billion

3. HSBC 10 billion

4. RBS 8 billion

5. Wells Fargo 7 billion

6. JP Morgan Chase 7 billion

7. United Bank of Switzerland (UBS) 6 billion

8. Wachovia Bank 5 billion

9. Morgan Stanley 5 billion

10. Merrill Lynch 4 billion

So with money and big business like this Banks are becoming more and more competitive and more and more client focused.

New Services include:

Flexible and Adaptable Home Loans offer competitive interest rates and more options for first time buyers. Banks rely heavily on the interest that is made on loans as well as investing our ‘banked’ money. So it’s great to see that the customer is being treated with the financial respect that they deserve.

Another great service that banks are offering is low credit card rates and the opportunity to consolidate your other credit card debts. Some rates are as low as .99% for the first few months.

The new customer service policies that the Banks are introducing are also much more user friendly, with all information and terms and conditions in multiple languages and also in basic English. Banking customers are finally having a say and a greater understanding as to what happens to their well earned money.

There are several different types of banks - not just your local one at the end of the high street.

• Central banks usually control monetary policy and may be the lender of last resort in the event of a crisis

• Investment banks underwrite stock and bond issues and advise on mergers

• Merchant banks engage in trade financing

• Private banks manage the assets of “high net worth” (rich) individuals

• Savings banks write mortgages exclusively

• Offshore banks are banks located in jurisdictions with low taxation and regulation

• Commercial banks are otherwise undistinguished

Banks are now merging and offering a greater service to the small customer. There are huge advantages to banking now but keep abreast with what’s going on - what’s on offer and you could save literally thousands of dollars!

international-business-finance

International Business Finance

Writen by Kristy Annely

Many firms are interested in investing and seeking finance from foreign sources and exporting goods and services to foreign countries. Overseas involvement of firms is increasing, and this trend is expected to continue. This has been stimulated by a variety of forces. First is the change in the international monetary system from a fairly predictable system of exchange to a flexible and volatile system of exchange. Second is, emergence of new institutions and markets, particularly the Eurocurrency markets, and a greater need for international financial intermediation.

In 1971, the US dollar was unlinked from gold or allowed to “float”. This brought about a dramatic change in the international monetary system. The system of fixed exchange rates where devaluations and revaluations occurred only very rarely, gave way to a system of floating exchange rates.

The distinguishing characteristics of international business finance are multiple currencies, differential taxation and barriers to financial flows. Of these, the multiple currency factor and the attendant issue of exchange rates has received considerable attention, particularly in recent years. An exchange rate represents the relationship between two currencies.

The procedure for evaluating a foreign investment in international business finance consists of identification of cash flows, choice of an appropriate discount rate and determination of net present value. Foreign investments generally involve higher risk, which arises from factor like changes in currency value, discriminatory treatment of a foreign company and threat of expropriation. Risk stemming from fluctuations in exchange rate looms constantly on the horizon of foreign investment. In addition, a foreign investment is subject to discriminatory treatment and selective control in various forms motivated mainly by political considerations. Finally, the threat of expropriation without adequate compensation may exist, particularly in countries where radical nationalistic sentiments are strong. In view of the higher risk associated with foreign investment, a firm contemplating foreign investment would naturally expect a higher rate of return.

chinas-major-achievements-2005

China’s Major Achievements 2005

Writen by Scott Fish

– China’s GDP reached 18.23 trillion yuan in 2005, an increase of 9.9 percent over the previous year; Fiscal revenue exceeded 3 trillion yuan, 523.2 billion yuan more than the previous year; Consumer price index rose 1.8 percent; Import and export volume totaled 1.42 trillion U.S. dollars, an increase of 23.2 percent; Actually-used direct foreign investment reached 60.3 billion U.S. dollars; Foreign exchange reserves totaled 818.9 billion U.S. dollars at the end of 2005; A total of 9.7 million urban residents entered the workforce for the first time

– Urban per capita disposable income rose to 10,493 yuan, an increase of 9.6 percent after adjusting for inflation. Rural per capita net income grew to 3,255 yuan, an increase of 6.2 percent after adjusting for inflation

– Agricultural tax was rescinded in 28 provinces, autonomous regions and municipalities directly under the central government, and the livestock tax was rescinded nationwide; Last year, 297.5 billion yuan from the central government budget was spent on agriculture, rural areas and farmers, an increase of 34.9 billion yuan over 2004; With considerable increase in 2004, grain output rose by 14. 55 billion kg to reach 484 billion kg. A total of 21.9 billion yuan was allocated by the central government to subsidize the policy-based closure and bankruptcy of 116 state-owned enterprises.

– The central government spent 116.8 billion yuan in 2005 on science and technology, education, health and culture, an increase of 18.3 percent over the previous year. In addition, 9.54 billion yuan from the sale of treasury bonds was spent on these items. Over 7 billion yuan was allocated by the central and local governments to pay tuition and miscellaneous fees, provide free textbooks, and subsidize room and board for 17 million students from poor families in 592 designated poverty-stricken counties. Free textbooks were also provided to more than 17 million students from poor families in the central and western regions.

– Over the past three years, the central and local governments spent 10.5 billion yuan to basically complete the establishment of a disease prevention and control system that operates at the provincial, city and county levels. A total of 16.4 billion yuan was spent on setting up a medical treatment system for public health emergencies, and work is proceeding smoothly. Total expenditures from the central government budget for fighting natural disasters and providing disaster relief came to 8. 9 billion yuan last year, and more than 90 million people were helped.

– The central and local governments allocated 16.2 billion yuan for poverty alleviation, and the number of rural residents living in poverty decreased by 2.45 million. Elections for village committees were held in 21 provinces, autonomous regions and municipalities.

second-debt-consolidation-mortgage-when-to-get-a-second-mortgage

Second Debt Consolidation Mortgage - When To Get A Second Mortgage

Writen by Ben Ehinger

Do you need to consolidate some of your unwanted and high interest debts? You can save a lot of money by consolidating your high interest debts into a second debt consolidation mortgage.

There are circumstances when a second mortgage to consolidate debt is a good idea and circumstances where it is a bad idea. The first thing you need to find out is if you can qualify for a refinance of your first mortgage. If you do, then you need to find out how much of your debt can be consolidated into your first mortgage before you worry about a second mortgage.

Your first mortgage will always carry a smaller interest rate so it will save you more money to consolidate your debt into it first. After you have refinanced your first mortgage, if you can, it is time to use the rest of your equity for a second mortgage, if necessary.

The only debts you want to consolidate with a second mortgage are judgments, collections, and very high interest credit cards. If you can eliminate some of these by consolidating them into a second mortgage, then you should. You will always have a higher rate on a second mortgage than on a first because there is more risk for the lender with a second mortgage.

Understand that if you are consolidating $25,000 worth of debt that has an interest rate of over 17% and you are able to get a rate of 12% or better on a second mortgage, then you are going to save a ton of money. This is a great way to cut your monthly payment on those debts and save money over the long term.

The best way to find out what you qualify for is to get an online comparison quote. This will give you an idea of what is out there and how good of a deal you can get. Always shop around and ask companies to match or beat rates and fees quoted to you by other companies.

time-to-put-an-end-to-the-payment-protection-insurance-witch-hunts

Time To Put An End To The Payment Protection Insurance Witch Hunts

Writen by John S. Smith

THERE has been so much written in the past few months about payment protection insurance it has all become a little confusing. Most of what has been written has been very negative, indeed dangerously negative - witch-hunt proportions even in some quarters. A mortgage magazine even ran a campaign to have single premium accident, sickness, unemployment banned.

Amid all the chest beating and promotion, some clarity is desperately needed. Without relevant PPI being offered to customers, there is an even greater risk of one of the fundamental objectives of the FSA not being met - and that is protecting consumer interests.

The PPI witch-hunt has also lumped together mortgage payment protection insurance and single premium ASU. These products are, of course, all very different. Most of the Office of Fair Trading’s concerns re- volved around the potential mis-selling of PPI related to consumer and revolving credit sales, not mortgages.

In November 2005, the FSA published a report detailing its findings about the sale of PPI. This was backed up with mystery shopping of various firms involved in the sale of PPI - that goes beyond mortgages to other companies that offer revolving lines of credit, store accounts and unsecured loans. It was much broader than the mortgage industry alone and, given the mortgage industry has been regulated by the FSA for some time now, it has taken a disproportionate amount of flak.

Experience

It does strike me as odd that people who have very limited experience in the mortgage market - and more specifically experience in the sub-prime mortgage market - have been pontificating about the so-called evils of single premium ASU.

The mortgage industry as a whole needs to assess the risks and benefits - yes, benefits - of single premium ASU with calm heads, because things have moved on.

Fact one. Sub-prime clients cancel their monthly ASU policies. Some major insurers have even withdrawn the product from sale because the persistency levels are so low. That is what sub-prime clients do. It is the same reason they cancel their life policies. That does not mean we should stop writing life business because we would be leaving customers and their families exposed.

There is a fundamental issue here. Why sell a client a monthly policy when he has a demonstrated history of not being able to meet his monthly commitments? And guess what? Fact two: sub-prime clients will cancel their monthly ASU policy at the time when they need it the most. The potential ramifications for the IFA/mortgage broker are dire should he be unable to demonstrate that he offered his client the option of either monthly or single premium ASU and it has subsequently gone pear shaped for his client.

Some brokers detail the costs and benefits of ASU in the suitability letter and document in that letter if the client has chosen not to take it up. Some go even further. For clients who cancel their policies downstream, some brokers send a disclaimer ensuring they know what they are cancelling and detail the ramifications of having no cover.

It is cheaper to do that than risk the potential of attracting a lawsuit, and worse still drawing bad press to our business and brand. There is no doubt that single premium ASU policies have come in for some major flak because of their poor flexibility and TCF unfriendliness.

Commission

Agreed and rightly so. One of the key issues at play here is the seemingly large commission payments made for single premium ASU.

Let us look at that issue in another context. What if a motor insurer offered a three-year product and guaranteed not to change price over the term with no inflationary creep? What if you got a further discount for paying that policy upfront as a lump sum? Of course, the selling broker would be paid his share of the total premium.

Single premium ASU is not really that different; it is just that a lot of commentators have got all bent out of shape about the commission payment and not the cover itself.

This problem has been further magnified by lots of people throwing their twopence into the ring when, to be frank, objectivity is needed and recognition of what has changed. There is a place for single premium ASU, but not as we used to know it.

What if the mortgage industry had a single premium ASU product that had the following features:

- provided no quibble pro-rata refunds if it was cancelled; - where the premium was established using a risk matrix factoring in age and employment type - similar to the way life premiums are calculated; - where you can sell the accident, sickness and unemployment components independently of one another based on the customers’ individual circumstances; - a product where you can factor in the client’s own savings and existing employer protection policies to reduce the cost of the policy in line with risk; - where you can defer the benefit payments by up to six months and be paid retrospectively in a lump sum; - where you can change the policy mid-term, in other words the amount of cover can be increased or decreased or names on the policy can be changed without penalty; and - where the true cost including capitalised interest of the single premium ASU is disclosed pre purchase - to comply with treating customer fairly and Insurance Code of Business 5 rules. Indeed, all the product limitations, pre-existing conditions and exclusions are disclosed pre-purchase.

What if this product existed and its makers had worked closely with selected players in the mortgage industry to ensure all regulatory requirements were met and exceeded?

Well, I hate to say it but that is the product that one broker has sold - and the intermediary has their FSA visits and, as with others, single premium ASU and its sale processes were heavily scrutinised. No problems. Perhaps some of the single premium ASU providers may wish to read the above product features just one more time.

Protected

Let us look at another angle. Surely lenders, particularly sub-prime lenders, have a duty of care to ensure that their clients needs are protected. The stated objective of many in the mortgage industry is to ensure their sub-prime clients are “credit cleansed”.

So without any cover, they miss a mortgage payment or two or three and they are stuck with sub-prime rates for another year or two. All of a sudden that single premium ASU premium is not looking so expensive.

Things can and do go wrong, and it is our job as qualified professionals to ensure our clients’ needs are protected.

The Association of Mortgage Intermediaries has now responded to the FSA’s request to address its concerns about PPI and I am sure that will be the start of some more sanity in the discussions surrounding its sale.

Single premium ASU is not about preying on desperate clients. One broker has developed a process that is FSA and TCF compliant and sells products that are appropriate to individual needs.

There is no doubt that the adverse publicity surrounding PPI sales has eroded not only consumer confidence but the confidence of IFAs and mortgage brokers to sell insurance cover that few could argue against.

Most of all, it is important to note that the industry has responded and moved on. Some people need to move with it.

biggest-budget-blunders

Biggest Budget Blunders

Writen by Cheryl Johnson

Does your budget never seem to balance the way it should? Are you constantly digging into the savings to make ends meet?

If you find that your budget isn’t doing the job, then it’s time to take a good look at essential components you might be missing or you have not allowed sufficiently for.

Some of the biggest budget blunders are . . . . . .

1. Failure to plan for inevitable expenses

We all have irregular expenses that we naively refer to as “unexpected.” Come on, is that flat tire really unexpected? Don’t you secretly know that these things happen? Have you ever owned a car that did not need repairs or maintenance? If you have, you probably didn’t own it long enough. The solution; Start counting on the car breaking down instead of hoping it doesn’t!

The car isn’t the only area we slight in the budget. Do you find yourself hoping and praying that the hot water heater, washer, dryer, or some other major appliance doesn’t need to be repaired or, worse yet, replaced.

Home maintenance is always a factor in our finances. Even if you rent, you probably have some home related expenses waiting to creep up on you.

These are just a couple examples of variable expenses that we often overlook.

When you consider the following other categories that could be included in this list, you can see the serious consequences this oversight can have on your budget. . .

• Property, Auto, Health and Life Insurance if not paid on a monthly schedule.

  Even if you do pay monthly, you should try to save for a lump payment if at all possible. Most companies charge up to a $3 fee for monthly payment options. It doesn’t sound like a lot but, over a years time it’s $36 you won’t be investing in their cause. I say, it’s always best to invest in yourself. Don’t you agree? Put the $36 in your savings!

• Taxes - Property, Federal, and State - If you know you will have to pay Uncle Sam, prepare for it. If you value your home or other property investment, prepare for the costs. Don’t scramble at the last minute to come up with enough to pay your obligations. It’s likely other areas of your budget will suffer greatly, since these expenses have a high priority.
• Clothing - Now, I can wear a piece of clothing ’til you can see through the threads. I work at home, so I only have a few choice pieces for special occasions. I’m a no frills kind of gal. But, I have four kids. Do I expect them to stop growing or somehow not care how they look to their peers? Of course not! But, I’m working on it. Just kidding! I know that they will need more clothes, more shoes, more accessories….etc., etc., etc., etc…..

  I use every resource available to me to cut down the clothing budget, I know I must account for this expense. It will arise, whether I am prepared or not!

• School Supplies - This is another one you just can’t omit if you have kids. You can, however, use some clever money saving techniques and multiple resources to keep this expense to a minimum.
• Pet Care - If you have a pet, you most likely have expenses that come with this beloved family member. Vaccinations, flea control, veterinarian, and food are just a few that come to mind. Again, minimize the costs by using all your resources.

  Tip: My local county animal shelter gives rabies vaccines for $5. Good for three years if regularly vaccinated. Does yours?

• Gifts - If your friends, family, and kids don’t care if they don’t get gifts from you, if you’ve declared war on the holidays, or have a convenient hiding place when these occasions take place, then you can skip this one!

  I’m guessing most of you are including this one. It’s inevitable. My best advice is to set strict limits and be a smart shopper. Seek out the bargains and buy when it’s a deal, even if it’s months ahead of time.

• Medical - Unless you’re lucky enough, or not lucky (depending on how you look at it), to qualify for medical assistance, you undoubtedly have medical expenses over and above the cost of your health insurance; Co-pays for doctors and medicines, over-the-counter medications, dental and eye care expenses. Nope, can’t omit it, have to include it. Sorry, it’s a must have!
• Vacation - If you have the income, include this one to make planning less stressful. Get inventive if you don’t have enough income. You can still have a vacation with limited, or no, travel expenses.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

2. No Emergency Fund…

. . .or misconceptions about what warrants an emergency. An emergency is this case should be limited to an unexpected occurrence. No, if you’ve been listening, having to replace the water pump on your car is not an emergency. A real emergency might include; loss of income, severe illness, or death in the family.

Although we all hope such occurrences never happen to us, sometimes we aren’t lucky enough to escape these unfortunate events in life.

You should try to set aside a specific amount, no matter how little, each month in an emergency fund to eventually equal at least three to six months of your current income.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

3. Living Above Your Means.

This is simply spending more than you earn. Unfortunately, this is a direct consequence of budget blunders #1 and #2. When funds are not set aside for variable expenses and emergencies, you will inevitably turn to plastic money (credit cards) to bail out. Spending more than you earn is a sure sign that you’re headed for trouble. When you spend future earnings it’s like “counting your chickens before the eggs hatch.” The long term consequences are usually devastating. It’s likely you’ll end up in deep debt and eventually have no where to turn except counseling or bankruptcy. Don’t let it get that far. Take control of your money. Now!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

If you’ve been making these budget blunders, you’re probably exhausted just considering all the work you have to do on your budget. I’m exhausted just writing about it. The sooner you get started, the sooner you’ll be on the path to a really successful budget.

Add up all your variable expenses and divide by twelve to come up with a monthly amount that you should be setting aside for this expense. Keep these funds separate from your monthly bill fund to avoid dipping into it accidentally.

Start with 5-10% of your income to start a savings, or apply to an existing savings, each month for your emergency fund.

Make sure your expenses are within your income. If not, start reviewing, eliminating, and reducing those expenses to fit into your income limits.

A good budget is like a good friend. It helps keep you strong and steady.

hurricanes-and-finance

Hurricanes and Finance

Writen by Lance Winslow

Are your personal and family finances in order and ready to go for the 2006 Atlantic tropical hurricane season? Are you ready to go for a mandatory evacuation and realize that your home may be destroyed and you may not even come back for four to six weeks to look at it because the power is out and FEMA will not want you back in the area?

Have you consider what you will do or how you will live for three to four weeks away from your home while still paying all your bills? Are you worried that when you come back to your area that your business or your job may no longer be there because the building was destroyed and therefore the company is no longer in existence?

Have you considered plans in case of such a potential eventuality; have you even considered what on earth you will do if you lose your job and your home? Where will you go, what would you do, how will you pay your bills, can you get another job; doing what?

If your families finances are straight and you have a financial plan in place in case of such a catastrophe like the folks along the Gulf Coast of the United States went through during Hurricane Katrina and Hurricane Rita during the 2005 Atlantic tropical hurricane season; then you might be okay. Please consider all this 2006.

merger-of-the-royal-bank-of-scotland-rbs-and-national-westminster-bank

Merger of the Royal Bank of Scotland (RBS) and National Westminster Bank

Writen by Verena Veneeva

The merger of The Royal Bank of Scotland (RBS) and National Westminster Bank (Nat West) as well as other major British banks including Barclays and Woolwich Building Society has created major economical and social interest boasting scholarly debate (Papers4you.com, 2006). It is important to understand why such mergers take place and the potential gains of doing so. The RBS and Nat West merger was formed in delivering Nat West from inefficiencies of poor services originally formulated from the merger bid proposed by the Bank of Scotland. Nat West will benefit from the forward thinking impact present at the RBS Group.

The entrepreneurial spirit will help the bank as well as the whole merger to move forwards in a highly competitive market simultaneously maximising customer satisfaction - a major key to survival in this industry. Impact on shareholders during the merger or discussion process can vary bringing about instability and lack of confidence. Following the completion of the RBS

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