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It’s payback time: remortgage to solve your debt problems
People in the UK owe more money than ever before. As it becomes easier and easier to borrow, whether in the form of credit cards, loans or countless other personal finance options, we are lured deeper and deeper into the debt trap, often to the point where we face an overwhelming financial burden that we have no means of repaying. Figures from the Consumer Credit Counselling Service reveal the extent of this problem – the number of service users in ‘extreme’ debt (owing more than £100,000) rose from 1.4% to 2.7% in … Continue Reading

The Baby Boomers are the members of the generation born between 1946 and 1964. At 79 million people, they’re the largest US generation in history. The oldest Boomers will turn 65 in 2011 and many of them may choose head for the exits.
Can you answer these questions about Baby Boomer retirements at your company? The first five are about raw numbers
How many people at your company are eligible to retire in each of the next ten years?
The odds are good that not everyone who is eligible to retire will do so. But it’s a good idea … Continue Reading

Ok, no more debate needed. I have the ideal way to save our planet!

No doubt you have heard all about global warming and climate change being blamed on human activities. Humans this and humans that. Gosh, humans must be the worst thing to ever happen to this planet! I cannot take this too light hearted, as I am a human and apparently I am also helping to kill the planet. For this I apologize, but rather than make excuses, I have devised the perfect solution to the ‘human problem’. Now, if the term ‘human problem’ sounds earily like hitler’s ‘Jewish … Continue Reading

Financial Security is a false concept that developed in American society based on the idea that security comes from the perceived reliability of a regular or planned paycheck. Many people, believing in the commitment of their corporations to their well-being, have found themselves downsized, layed-off, outsourced, transferred, or, in some cases, even fired. The immediate reality becomes harshly apparent and sadly disappointing.

The bottom line is that Corporate America will always be focused on the bottom line. As a dependent corporate employee, you are subject to the whims of the corporation. You have absolutely no control over how much you earn, … Continue Reading

Mauritius sounds an unlikely tax haven to those who are focused only on old world offshore centers!
There are many ways for incorporation in Mauritius:
1. Category 1 and 2 Global Business Companies.
2. Collective Investment Schemes
3. Management Companies and Other Service Providers
1. GLOBAL BUSINESS VEHICLES
The corporate vehicles available to carry global business activities from within Mauritius are companies holding a Category 1 Global Business Licence (GBC1) , companies holding a Category 2 Global Business Licence(GBC2). Other entities available are trust and societe.
i. a) Category 1 Global Business License [GBC 1]
A Global Business corporation (Category 1) is a company incorporation in … Continue Reading

Times are pretty hard for all of us right now.  In fact it looks bleak out there, and will continue to be so for a while. 1.    You need a Positive Plan If you have a plan of action then put this down on paper.  You can make notes as you go, but actually writing down your plan will give it greater clarity and strength.You need to know your minimum income for your survival. How much do you need to pay for the basics like mortgage or rent, insurance, food and car each month? You need to save at least … Continue Reading

Plus Other Needed Adjustments To National Economic Equations Television footage from the early 1970s shows the first women elected to New Zealand’s Parliament as she was escorted with all due pomp and ceremony into the royal chamber. Some very attentive men joined an entire nation watching  Marilyn Waring swear with uncommon vigor to serve her country and constituency. She was 22. More sheep farmer than the flower child many mistook her for, Waring’s short speech signaled to approving women across the land that their concerns would no longer be ignored. In this moment of emancipation, everything seemed possible. Fast-forward two years. As head … Continue Reading

In order to provide financial assistance to senior citizens having to live on pension and whatever savings they may have stashed away, the US government had introduced reverse mortgage plans which would allow senior citizens to liquidate the value of their home equity and utilize this as an additional source of funds.  Since a reverse mortgage awards the funds based on the amount of the home equity, the senior citizen is not required to repay the reverse mortgage taken out unless the borrower sells the property and moves out of the home.  But what if the borrower dies and there … Continue Reading

If your major interest is information related to offshore asset protection or any other such as asset management services, top mutual funds, off shore asset protection or trusts discretionary, this article can prove useful. IDC reported that downtime can be reduced by 10%, and person-hours on recovery can be reduced by 22% for businesses that practice good asset management. Good asset management can reduce an average help desk call by 25%. Getting staff back to work quickly and keeping them working efficiently is critical to the success of most organizations.Optimal judgment about methodology applied for managing assets of different enterprises … Continue Reading

Over the years, because many of my students approach me with questions about careers in Investment Banking, I’ve written down a few stock answers. Here are my notes: An investment banker is someone who works or is connected with an investment house. Such investment houses or companies are often called investment houses, brokerage houses, underwriters, or simply investment banks. Many investment bankers are employees, but others may function as agents or independent contractors. Most investment bankers who are sales representatives (stock brokers) are licensed individuals and must pass a background investigation and several exams to obtain the required licenses. Having … Continue Reading