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Paul Roberts - EzineArticles.com Expert Author
Paul Roberts is the Professional Services Manager for n3k. n3k provide DNS management and services around DNS & DHCP appliances.
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- It's Official - The UK Public Are Getting Cleverer With Their Cash
[Finance:Personal-Finance] It would likely be surprising to few, but positive aspects of the ongoing recession are rarely mentioned in the press, in comment columns or on blogs. Yet, recent research from financial experts Moneynet and The Office for National Statistics has drawn attention to trends amongst the UK public showing that since the credit crunch we have become more sensible with our money.
- UK Money 2010 - New Incentives For Savers
[Finance] During ongoing recessionary times it is becoming more and more important to put a little bit of money away each month in order to ensure financial security for the future. Despite the general acknowledgment among the UK public that this is a logical and sensible habit to get into, it has clearly been difficult for banks to be able to offer great incentives for prospective savers to open an account.
- The Changing Face of Offshore Saving in Gibraltar
[Finance] With the increasing popularity of the Isle of Man and the Channel Islands, the stereotype image of the offshore saver as wealthy retired expat has long been forgotten. That said, it is no secret that the sunny rock of Gibraltar just off the south coast of Spain is as popular with wealthy Brits as it ever has been - but its image is changing, and the island is more unique than one might expect.
- Family Funds - Is Having Children Going Out of Fashion?
[Finance:Personal-Finance] As we gradually move out of recessionary times, the need to save and to get the most from our savings is at the forefront of every parent's mind. While the simple answer for decent returns is to stop spending and to deposit a good amount of cash in a fixed rate account, this is easier said than done when plans for a family are still being thought about - and have been the subject of discussion since before the credit crunched.
- Can I Afford a Gap Year?
[Finance:Student-Loans] Much has been written recently about the cost of university, and the increasing number of young people put off by higher education due to the thought of so much debt after graduation. However, as the new term kicks off this month, it is clear that the recession has made the application process even more competitive as more mature students enrol, at the same time as jobs are cut, pay is frozen and more people find themselves without work. So what are the other options after college or sixth form?
- Savings 2009 - Can Debt Still Be a Friend?
[Finance:Personal-Finance] As the era of tight budgets and scraping just enough to save continues, the notion that debt is a positive thing may seem ridiculous to many - it should be avoided at all costs, and it certainly shouldn't be available to someone who is likely not to earn enough to pay it back. Yet, if debt wasn't as available as it is - i.e. if it were capped, what would happen when we really needed it?
- Banking Options For Expats
[Finance:Personal-Finance] Emigrating to another country and immersing yourself into a new culture can be hard work, but utterly rewarding once you are there and settled. Yet, despite the fact the term 'emigration' can so often connote tearful goodbyes and one way tickets half way round the world, the truth is (at least according to the latest Halifax survey) that when UK residents do leave the country for work or retirement, they actually move very close to home - and if not just across the channel (like 16 percent of us) they are likely to relocate to the Eurozone. So what are the banking options open to those considering moving to Europe?
- Evidence of No UK Increase in Rate of Inflation in July 2009
[Finance:Personal-Finance] After the Bank of England's latest push in quantitative easing, the prospect that the UK may see a significant amount of inflation is certainly at the forefront of many people's minds - with critics such as The Telegraph's Alex Singleton describing the move as 'no good for growth'. However, despite such projections, the latest data from The Office of National Statistics shows that there was no evidence of an increase in the rate of inflation over the month of July. But how does this affect savers and spenders?
- University Students and Savings
[Finance:Student-Loans] Across the UK and Ireland thousands of students have received their A-Level results, confirmation of their place at university, and are now on the hunt for rooms to rent during their first year of study. For those studying in Ireland though, students are far more likely to see their university careers through without incurring nearly as much debt as those in the UK are likely to amass. So where can Irish students make the best savings?
- For the Kids - Are Expatriate Children Really Getting the Best Deal?
[Finance:Personal-Finance] As the summer draws to a close and the kids go back to school, it is understandable that many parents are considering whether or not they are giving their children the best start in life. Of course, such questions are especially prevalent during recessionary times, but it seems surprising to me that there has been much written of the effect of families living abroad has on the children.
- France - Expat Destination For 2009
[Travel-and-Leisure:Destination-Tips] The phrase 'expat destination' tends to conjure up images of one way plane tickets to sub-equatorial paradise islands, or at the very least somewhere where the sun shines every day and an afternoon nap is obligatory. Yet, in the latest poll by halifax-international.com, the most popular destination for British expats is France (with 16 percent of Brits deciding to move there) - a destination that, without deeming it unexciting, is perhaps a little more predictable than I expected.
- Could There Still Be Life in the Old Notice Account Yet?
[Finance:Personal-Finance] Competition among UK banks and building societies means easy access accounts are beating notice accounts when it comes to interest rates. Easy access accounts are offering better rates of interest, and those looking for the best savings accounts available are not turning to long term accounts to look after their money.
- Research in Ireland Has Found That Women Are Better at Saving Money Than Men
[Finance:Personal-Finance] Research in Ireland has found that women tend to be better than men at saving money. Of course, such 'data' will likely fuel the old 'it's official, women are better than men at something else - add that to the list above driving, multi-tasking and smelling nice,' argument that has been muttered, countered, and accepted since the dawn of time. Yet, it also shows something more positive, i.e. that a nation also looks to be battling its way out of recession quite successfully - and that more people may now be aware of the importance of savings.
- Should I Start Taking My Pension More Seriously?
[Finance] Recent developments and accompanying research about the finance industry should be set to make many UK adults start thinking about their pensions more seriously, and whether we have the necessary savings plans in place for our future. Of course, it is difficult to face up to the importance of storing money away at a time when many of us are cutting back and still finding it difficult to afford the bare necessities. Yet, now may well be the most logical time to do so.
- 2009 and the Growth of Mobile Banking
[News-and-Society:Economics] It is not surprising that technological developments in the financial sector this year have been somewhat overshadowed by the wake of the credit crunch and the continuing recession. Yet, it is fair to say that despite such developments as the historically low Bank of England Base Rate, the financial market has become very competitive when it comes to return on savings (as exemplified by the popularity of fixed rate bonds), and customer accessibility via advancements in technology.
- Are UK Universities Too Expensive?
[Reference-and-Education:College-University] As thousands of teenagers look over their A-Level results and decide what to do next, research from Child Trust Fund provider The Children's Mutual, has highlighted the cost of a three year university study to students and their parents. So are UK universities too expensive? And how can the financial strain be eased?
- Finance Market Competition Makes Fixed Rate Bonds Look More Appealing, While ISA Rates Get Lower
[News-and-Society:Economics] August has been a significant month for the finance industry in the UK and Europe as a whole. While the Bank of England keeps their base rate at 0.5 percent and pumps another 50 million pounds into the UK economy in the name of quantitative easing, the European Central Bank (ECB) have announced that that they are holding their rates at 1 percent too.
- Economy Set to Grow While Offshore Interest Rates Look to Stay Low
[News-and-Society:Economics] As was predicted in a recent Reuters poll, after a meeting on the 6th August the European Central Bank (ECB) have announced they will be keeping interest rates on hold at 1 percent. Holding the rates for the foreseeable future is seen to be good news for the European economy in general, but is also great for those with a keen eye on offshore interest rates currently.
- Guernsey - Offshore Banking Centre 2009
[Finance:Personal-Finance] Despite their reputation ten, maybe twenty years ago, stringent rules and the emergence of the Organisation for Economic Co-operation and Development means offshore banks are now considered an accessible and viable option for savers whether they are expats or not. For those looking for the best savings accounts in Europe, offshore finance has long been connected to areas such as the Isle of Man and Switzerland - but more recently, Guernsey has also established itself as a contender.
- Future Savings - UK Child Trust Funds Four Years On
[Finance:Personal-Finance] Since the launch of Child Trust Funds (CTFs) four years ago, new data from HM Revenue & Customs shows that over one million families have not opened one, despite the financial incentive to do so. So why have so many new parents failed to open CTFs?
- Isle of Man Economy Set to Improve by the End of 2009
[News-and-Society:International] As around 700 students collect their A-Level results on the Isle of Man, many will be considering their next step - either to apply for university on the mainland or to remain on the island and look for a job. Although the recession is not drawing many youngsters to the prospect of looking for work in the UK, recent developments within the unique Manx economy is causing some commentators to speak quite optimistically about the coming year.
- Why the Isle of Man is a Recession Destination?
[Finance:Personal-Finance] When we think of the financial 'centre' of the UK we immediately think of London. However, in recent years another location - that just so happens to be in the geographic 'centre' of the British Isles - has established itself as an important economic region. So what impact has banking had on the Isle of Man over the years? And how is the island coping with the global recession?
- A Short Guide to Offshore Banking in 2009
[Finance:Personal-Finance] As we continue through recessionary times, 2009 seems a very unlikely year for many of us to consider depositing our savings into an offshore bank account. However, with speculations abound that a brighter financial future may already be in sight, offshore financial centres are earning a cleaner reputation than they ever have done - and deservedly so. With the continued work of the OECD and other developments in the sector, offshore banking could be argued to be more necessary today than it ever has been.
- More Than Just Accidents and Tools - The Importance of Farm Insurance
[Insurance:Personal-Property] Insurance is something of a contentious issue at the moment, particularly in regards to the current economic crisis which is causing many of us to cut back on cover we do not consider essential. However, with an increase in thefts and burglaries in rural areas of the UK, farm insurance is becoming more of a necessity - and companies are highlighting the customisable nature of their cover in a sector where each customer has different priorities.
- Enterprises Are Not Taking DNS Seriously
[Internet-and-Businesses-Online:Domain-Names] DNS (Domain Name Service) is the key technology in modern IT infrastructures - without it, your business stops. Every single application now relies on DNS in some way or another.
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