The Pensions Policy Institute (PPI) has issued a report which supports the Pension Commission’s recent demand for reform in the structure of the basic state pension. In fact the report goes further than simply backing the report, it calls for reforms to be implemented more rapidly than the Commission has recommended. Essentially, the reforms that are proposed are for simplifications…
Category: Personal Finance
Performance Contracting Helps Save On Energy Costs
To improve energy efficiency, some companies are doing more than just turning out the lights at the end of the day. As soaring energy costs increasingly affect the bottom line of U.S. businesses, the “energy performance contract” has become an attractive solution for commercial building owners. This contract is a financing or operating lease offered by an energy service company,…
Tips For Future Financial Planning Portfolio For Retirement Employee
Have you ever thought that how you should do future planning for your children? We are now discussing related to the opportunity that you should deploy your future planning. Opportunity means life insurance, mutual funds, equities and fixed deposit should all features are Financial Planning options for your children. And also you make plan for your retirement and other objectives,…
Energy Conservation Begins At Home
As Americans face rising fuel prices, many are looking for ways to save money and energy in their homes. The pressure to reduce energy consumption and costs is inspiring homeowners to challenge the relevance of old heating and hot water solutions and consider other cost-effective options, such as wall-hung boiler technology. Wall-hung boilers have been common in homes throughout Europe…
Managing The Income Portfolio
The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk… particularly when it comes to investing for income. Credit…
Saving Money On Magazine Subscriptions
If you are interested in subscribing to a magazine or different magazines, you may be wondering how you can fit the costs of subscribing to a magazine or magazines into your overall budget. In this day and age, many people find it very difficult to make ends meet, to maintain a wise budget. They simply do not have a great…
Great Money Saving Tips
Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as…
Savings Accounts Retire In Style
We all look forward to the day when we can give up work – but to ensure your retirement is comfortable you will need to prepare for it carefully. Putting a proportion of your earnings towards a pension may seem like a drag right now, but realistically you will need to save for as long as possible to gain a…
Bankruptcy Information Some Basics
Finding yourself in a difficult financial situation can be scary. Facing the possibility of dealing with bankruptcy can be even scarier, especially since most individuals or businesses don’t spend time making themselves aware of the legalities that go along with the process. Since many debtors are ashamed of the situation, they often fear asking too many questions regarding the process.…
When Debt Mounts Take Action To Prevent Foreclosure
If your bills are piling up and you’re worried about losing your home, you’re not alone. As rising foreclosure rates indicate, thousands of Americans are touched by foreclosure every year. But many could be prevented, if homeowners sought help sooner from their mortgage company or through a new toll-free, confidential hotline. Unfortunately, according to a national poll recently funded by…