• General

    Investment Management – ISA Transfer Survey

    You may have seen significant coverage given to the Which? ISA survey, in which they assessed the knowledge of bank ‘financial advisers’ on the rules surrounding cash ISAs. This was done using a small sample of 104, but does show that the level of knowledge appears to be low, or alternatively the banks are using misleading information to stop customers from switching their ISAs. In the survey, just 3 out of 104 bank advisers questioned gave correct answers to all 4 straightforward questions. Why is this important? ISAs are great for saving since the savings grow free of income tax and capital gains tax. Therefore, your savings will grow faster…

  • General

    The Market Cycle Investment Management (MCIM) Program

    During the past sixty years, most economic, market, and interest rate cycles have lasted from two to five years, peak-to-peak. Rarely have any of the cycle-tracking market indices moved in tandem, and none of the cycles are considered to be particularly predictable. Individual securities (the stuff that indices are made of) complicate things significantly by having even less predictable cycles of their own. This generally uncertain atmosphere is the very nature of the financial markets. If investors could come to grips with the non-calendar, cyclical, nature of markets, it is likely that they could improve their investment performance considerably. In spite of decades of irrefutable evidence to the contrary, Wall…

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    Should I Rent My Car To Other People?

    Short term renting has become a viable option for people who are looking for assistance in the cost of owning a vehicle. This is an option if you live in a large city where parking a car can be difficult and expensive. Renting your car out to someone else can be an easy way to recoup the cost of a parking space, higher insurance rates or registration fees. This service is called car sharing. junkyards near me Car sharing has become more popular in the past few years. There are companies that hav e sprung up in large cities which make it easy and affordable to borrow a car for…

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    5 Essay Writing Tips for Quick Results

    You are faced with the following college essay prompt: “Discuss some issue of personal, local, national, or international concern and its importance to you.” This article show you how to approach this prompt and draft a stand-out admissions essay. Essay typer This prompt can be a bit of a trap for the unwary. It seems to invite the applicant to write about any of the hot topic issues of our time – war, environmental degradation, immigration, etc. But remember that the purpose of the admissions essay is not dependent on the essay prompt. That purpose is: convey a personal message to the admissions committee. Therefore choose a topic that is…

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    Online Blackjack Verses Land Based Casinos

    Blackjack can be played with online or in a land based casino, sometimes referred to as a brick and mortar casino. Both ways of play have advantages and disadvantages. Some feel that you have to pick between the two, but in reality you can play both. Blackjack can be played with online or in a land based casino, sometimes referred to as a brick and mortar casino. Both ways of play have advantages and disadvantages. Some feel that you have to pick between the two, but in reality you can play both. The majority of online casinos will allow you to play online blackjack for free. This is a fantastic…

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    Football Betting Guide – Start Winning Consistently Before Losing Your Home!

    Like any other wagering, football betting is not for everybody. Some take it lightly and others obsess over it. Whatever people do, they are playing with real money. So it will suffice to say that exercising common sense and self-control are pre-requisites to any kinds of betting. Here are some tips that will help you along the way and make things easier: 1. If you are betting, make sure that you are betting with money that you can afford to lose. That means you should not bet with rent money or money that should rightfully go to mortgage payments. If you are betting, bet responsibly. Football is an exciting game…