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A new research study conducted by the has revealed a sad truth about the Britons, 3 in 5 do not even have a savings of £1,000 which can be used during emergency situations. The respondents said that they must have at least £1,200 savings to get through on rainy days but 59% have less than £1,000, worse, 25% have no savings while 75% rely on their credit cards to pay emergency expenses. The most unexpected costs are car repairs, boiler replacements and even overly high bills. However, 28% of the respondents believed they must have at least £2,000 to be reasonably safe during emergencies.

When Britons reach the age of more than 65, they believe to save at least £3,000 to be in the best place and take care of emergency situations and other surprises of life. On the other hand, Brits aged 35 to 44 are the most unprepared in cases of emergencies and one-third of them have no savings at all. This is a sad reality but if they do not save for rainy days, most of them will be in so much debt from credit card companies and lenders by taking a loan. One of the lenders that is shaking the guarantor lending market is the Guarantor loans which allow a tenant to become a guarantor as opposed to a home owner. If the guarantor is a tenant, the maximum loanable amount is £5,000, a major increase from the previous amount of £3,000. This lender increased the amount because it is confident that the economy of the UK is improving. Not only that, their APR is reduced massively to 59.9% from 79.9%.

Financial experts say that it is important to save because it does not only cover emergency expenses but also smaller expenses especially if monthly paycheck is delayed. Included in the survey is a question on what the respondents understood about rainy day, 56% of them said it is an unexpected replacement or repair of home appliance. Bills of car repairs equate to 51% and home repairs account 50%, they were two of the most expensive issues to solve. Other costs included replacement of laptop, tablet, smartphone or TV and paying big energy bills. A few of the respondents say that paying their car insurance or rent is considered a rainy day.

The good thing is that 45% of the respondents say they will wait for the funds to arrive until they undertake repairs if they lack funds at the present situation.

In the UK, the increase of wage remains low, this is the reason why the Britons should practice good budgeting in order to manage all their expenses each month. However, even if they try hard to meet both ends at the same time to save, it is not often possible to save in preparation for emergencies.

Even if the rates of payday loans were already capped, the effort of the government as well as the battle to avoid vulnerable people to fall into too much debt is getting worse according to Stella Creasy. She is an MP who is responsible for the introduction of the payday loan regulation. Stella added that the normal credit cost has increased in 2014. With the aim of persuading the Brits to diversify in longer-term loans, still, the industry of short-term loans was not constrained by its new limits.

One of the reasons why short-term loans appeal to many people is the fact that it is quick and simple like the Swift Money payday loans. They have many clients because their online application is transparent, instant loan process; no phone calls, no fees and the acceptance rate are very high. Since 2008, they already serviced more than 250,000 clients. You might wonder why they have valued clients; this is because of the company’s excellent service such as fast, affordable and efficient. Every time their valued customers are in need of money, they run to Swift Money and they have been recommended by 9/10 clients. Read More »

It is one of the rarest moments of humility on Wall Street that a chief of a hedge fund has apologized to his clients for losing all their money.

The founder of Canarsie Capital, Owen Li, has wrote to his clients stating that he had run down their accounts from $100 million a few months ago to just $200,000. According to reports, he took on risky financial behaviors to try to save his investment firm. With his current situation today, he might just consider applying for payday loans by Uncle Buck.

His risky strategies didn’t work out. He wrote to his clients, “My only hope is that you understand that I acted in an attempt – however misguided – to generate higher returns for the fund and its investors. But even so, I acted overzealously, causing you devastating losses for which there is no excuse”.

Payday Loans by Uncle Buck Read More »

With the advent of information technology that make everything move quickly, quick quid retail investors are now trading more and trading from anywhere they desire. The managing director of Trading at TD Ameritrade (AMTD), Nicole Sherrod, has analyzed the trends of approximately more than 6 million individual investors to determine what they’re purchasing and how they will make use of it.

During the end of year rally next month, Sherrod noticed that the TD investors tweaked their portfolios and took a step back. “In the last quarter, they started to slightly take their foot off the gas. As the market pushed up, they rotated out of some of the momentum stocks and into stocks with higher yield and lower beta.” Sherrod says clients are looking to balance opportunity and restraint. “It seemed like a very strategic way to position themselves to still take part in the markets as they pushed to higher highs but also be a little more cautious.” Read More »

It is not enough that you should save for retirement. You should also prudently invest these savings to appropriate markets. A recent report from the Council of Economic Adviser (CEA) of President Obama said that inappropriate investment advice would cost savers $17 billion a year. Excessive investment fees as well are reducing the amount of returns that you could be earning.

It is important to note that investment brokers have financial incentives when promoting various products and services; more often than not, they would advise you to acquire products where they could make most money. To know more about this, visit

President Obama said during his speech at the AARP, “There are also financial advisers who received back door payments and hidden fees for steering people into bad retirement investments that have high fees and low returns. They might even recommend an investment with worse returns simply because they get paid to recommend those products.”

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The CEA approximates that biased advice results to returns that are approximately 1% lower every year. Thus if retirees receive such advices when rolling over a 401K account to IRA upon retiring, he or she will lose about 12% of the account’s value while drawing it down for over 30 years.

According to the report of the CEA, “Financial advisers are often compensated through fees and commissions that depend on their clients’ actions. Such fee structures generate acute conflicts of interest: the best recommendation for the saver may not be the best recommendation for the adviser’s bottom line.”

Department of Labor suggests inquiring potential investment advisers whether they are willing to act as fiduciary; this means that they are required to suggest investments that are in line with the best interests of the clients. It is also best that you determine how your adviser is compensated and whether or not it changes based on the investments.

Regardless of whether or not you will earn returns from your investment, investment fees are typically there whether it performs or not. Therefore, it is essential that you look for funds that will charge you with lowest fees possible.

In addition, for you to get the maximum value from your retirement investment, you should be able to follow rules. Early withdrawal of traditional retirement accounts would cost you 10% withdrawal penalty. By age 71, it is required for you to withdraw money from your retirement accounts annually. Note that, withdrawing money from your account too early or too late will always result in reduced savings.

According to Callahan & Associates’ 4th Quarter Trendwatch webinar, “By all accounts, credit unions have connected with the booming US economy, and the industry’s fourth quarter 2014 financial performance reflected the nation’s economic improvement.”

With increasing salaries, decreasing unemployment rates, and with 2.4% national GDP, they have created an increased confidence levels from consumers that would drive credit unions and the best credit repair companies to great performance ratios.

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This is primarily due to improved quality of assets, capitals, and net income, as well as the increasing growth of loan portfolios. Credit unions will definitely have a good position in the economy.

Jay Johnson, the EVP of Callahan, said, “All aspects of the portfolio are moving up and asset quality continues to improve. The economy’s momentum will continue to propel credit union growth.”

As of 2014’s year-end, the assets of the credit union industry have reached $1.14 trillion; thus, increasing at 5.8% compared to the 3.9% increase in 2013. According to Callahan, Loans have summed up to $721.6 billion in 2014 which reflects a 10.5% growth rate in 2014, beating the 7.9% growth in 2013.

There is also an increase in shares of up to 4.6% which beats the 3.7% increase in 2013. Capitals increased by 8.3% from 3.2% in 2013. Aggregate membership increased as well with a growth rate of 3.3% compared to 2.5% in 2013.

Other investments on the other hand, were affected; decreasing by 3.2% which is actually further decrease from 2.1% in 2013.

Johnson further said, “First mortgage originations fell 20% to the previous year, but credit unions still performed better than the overall market, which dropped 40% during the same period. A decade ago, we talked about credit unions moving from 2% of the mortgage market to 10%, and we’re almost there.”

Credit unions have also increased more than 10% in terms of deposit market share across 27 states in the US, according to Johnson. Alaska is on top of the list with 40.3% deposit market share, then New Mexico having 21.4% increase, Washington with 21.1%, Vermont with 20.7%, and Idaho with 19.5%; making up for the top 5.

The 4.6% growth in shares is said to be a combination of gains and losses. Retirement accounts, Keogh accounts, as well as share certificates have decreased slightly in 2014, thereby counteracting the 8.5% increase in regular shares as compared to 2013 having 7.8% growth. There was also a 10.3% share growth of draft accounts in 2014 in comparison to 2013’s 6.8%.

If you decide to buy a car, there are several factors that you need to consider and remember. One is being that you need to put your financial status a priority; thus, if you do not have the particular amount of money to buy a car, then you can opt to apply for loans. Many banks and lending institutions monitor the trends of the current financial status of the people; this is primarily the reason why sometimes they get ahead of us by giving us a hand in times that we need help in finances to purchase something of great value.

Majority of the banks and lending institutions would require the applicant proof of income which can be in a form of the client’s banks or credit statement; this would serve as a security for them that you would be able to repay the loan on time. However, for those who have problems with their credit scores; it would be harder for them to acquire loans. Bad credits may result from accidents, divorces, health issues, unemployment, and other unfortunate circumstances that have become a hindrance for them to enable on-time payment of the credit balances they owe.

It is important to note that the problem of these clients is that they tend to overlook their credit scores, thereby asking for alternatives as they talk guarantor loans; that is, paying a good amount of down payment and having guarantors in case of bad debts. Pre-approved auto loans that have no credit scores are often the course of actions for these types of borrowers; they’ll be given interest rates and they are expected to pay a specific amount of down payment.

Before you opt for this path, you need to understand the terms and conditions of the institution which are mention in these pre-approved loaning schemes; thereby, helping the clients choose payment schemes that is most suitable for them. Clients who want to rebuild their credit rating may apply for 2nd chance financing wherein lending institutions do not go heavy on interest rates and make sure that their clients will pay a mount that is comfortable to their financial status.

These days, it is easy to be swept away with every new marketing trend. Will it push towards wearable technology’s advertising or should investors devote their resources towards advertising of the latest social platform? Usually, these options leave the heads of marketers spinning and if they invest in the latest fad, they will get burned out. The logic behind this is that there is a great difference between the latest marketing fad and Pinterest since Pinterest is one of the most incredible vehicles to drive traffic in your site and the more important aspect is that it can create conversions through checkout.

This is not just a statement but it has proof, according to the Piqora study in 2013, each pin generated $0.78 in sales on the average. Also, in a study conducted by Javelin Strategy and Research, they found out that users of Pinterest have an average order value of $123.50; this figure is way too higher than the average order value in Facebook which is only $54.64. This means that Pinterest is 126% more compared to Facebook. It is not only recipe bloggers and shop owners like Etsy shop are having success on Pinterest but includes brands such as Free People and Nordstrom. At this stage, you must know the importance of Pinterest, the next to thing to understand is how to optimize your website as well as your marketing strategies so that you can maximize the social network.

Erika Napoletano

There are key components so that you can integrate your website to Pinterest, here they are:

  • Your Pin It button should be easy to use and prominent depending on the importance of Pinterest to your brand. You may consider giving more visibility over other icons of the social media.
  • Your site must have an automatic pull of well-optimized image everytime the users click on your Pin It button. Of course, the images should be clean and high-resolution.
  • Your site must have an automatic pull of a concise and well-written description featuring several relevant hashtags as well as key product data.
  • When someone shares from your site, the link should automatically link to the right landing page.

From the tips above, to encourage social engagement in any platform, the best thing to do is to avoid or reduce friction. Your job is to make it simple and easy as possible. However, if the tips explained above are still insufficient on how to maximize Pinterest’s e-commerce, you can attend the BHW Conference. Through the years, it has become bigger, better and more essential for the success of businesses. They invited proactive thinkers and influential people who will help maximize your earnings, one of them is Erika Napoletano, the head of Readhead Writing Media Inc. She has been featured in Forbes, Entrepreneur Magazine, Fast Company, Open Forum, Maria Shever and many more.

If you are looking for such a scheme which offer can offer you up to 1500 dollars, then you can apply for this payday loans 1500 scheme. This is an advance loan scheme which offers you that cash within 24 hours since the time you apply. And it is not necessary that you can not repay the loan amount before the time specified if you are not able to do. So, you will not feel that you are bound with any unreasonable terms and conditions if you apply for this payday loan scheme.

Payday Loans 1500 Instant Approved Loan Money

This loan scheme is offered only for the USA people. The mode for applying this payday loans 1500 scheme is offer online now days. These loans will be processed within 24 hours of the application submission. For this assistance, there is no need to send any documents; you just have to submit an online application form. As soon as you will submit this application for, the rest of the process will go on automatically. Just complete the above stated requirements and have the loan money soon, as you can say on the same day. These all are asked to just have a contact with you in any emergency.

There is an eligibility criteria set up for this short term loan scheme that you should have a permanent address anywhere in USA and must have a valid active saving and checking account in any bank in USA. And the age of the applicant also matters which demands that the applicant must be more than 18 years at time of applying. This instant loan offered scheme is generated especially for your economic crisis. So, in all such conditions, you do not need to bother about the terms and conditions because these are made according to your requirements and needs.

If you’re in the middle of a financial emergency and you have to get some fast cash – but you have bad credit – there’s something you still can do to get the money you need. There is a very easy way for you to borrow up to $1,500, no matter how bad your credit is.

That’s the good news – and we’ll take a look at how you can do it in a moment.

No Credit Check Loans - Get $500 Fast With Poor Credit by Wendy Moyer

But there’s some not-so-good news that goes with the territory. And you’ve got to know about that, too, before you take the plunge.

High Interest Rates and Short Payback Periods

Although it’s very easy to get money wired into your bank account within 24 hours there are three major drawbacks involved with the process. The first is that the companies that will lend you money without checking your credit charge very high interest rates.

Most charge between 10% and 25% percent. Some charge a little less, and some charge a little more. For the most part, though, for every hundred dollars you want to borrow you will have to pay back between one hundred ten dollars and one hundred twenty five dollars.

The next piece of bad news is that most companies want you to repay the amount you borrow plus interest within fourteen days. So if you borrow $1500 you’ll have to pay back between $1,650 and $1,875 fourteen days from today.

No Credit Check Loans - Get $500 Fast With Poor Credit by Wendy Moyer

Okay, let’s say you can deal with the high interest and you think you will be able to repay the money on a timely basis.

When you apply for the loan you may see that the company will most likely extend your loan for another two weeks if you pay a certain minimum amount and are willing to pay for another round of interest.

And that’s the third – and biggest – problem with these types of loans. Many people dig themselves into a hole that is very, very difficult to climb out of.

You see, it’s not necessarily the initial interest that’s the problem – although it is huge sometimes you have no choice and you have to deal with it. The big problem is borrowing more than you are absolutely positive you can pay back within two weeks. And even if you’re absolutely sure, sometimes… well, things happen.

And if things happen you will have to keep on paying ten to twenty-five dollars in interest every two weeks. And that can really add up quickly. And you will still owe however much money you first borrowed.

The Good News – It’s Very Easy to get these Loans

Most of the cash advance or payday loan companies that offer these short term loans have very relaxed acceptance policies. To be approved, for the most part, you just need to be at least eighteen years old, have a regular source of income (generally at least $1,000 per month), have a bank account, and a social security number.

That’s pretty much it.

When you apply for the loan the money will usually be wired into your bank account within 24 hours. And some companies will lend you the money you need in as little as one hour.

The best advice many financial experts give is that you should do everything you can to get the money you need some other way.

However, if you’ve run out of all your other resources and you need to get a pay day loan, there are a number of things that you can do to get the lowest rates.