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Are you too young to be thinking about your pension?

There’s the old saying ‘you’re never too young to start saving’ and that’s the way you should always be thinking. Okay so when you hear the word ‘pension’ at 12 years old it isn’t going to mean much, but you’ll start contemplating it a bit more when you’re in your early 20s and that’s entirely normal. Think of it this way, the earlier you start your pension, the more years you can build up that  money. Thinking about your retirement isn’t normal at 20, but that day will eventually come, and you shouldn’t forget how important a pension could be. Many experts say you should put in to a pension as soon as you start earning, but there may be other items on your agenda; perhaps saving for a mortgage,...

Why Credit Scores Are Important and How To Find Out Your Own

The function of credit scores are to assign a level of risk to you as a debtor or potential debtor, so that any potential creditor can have a certain level of confidence about any application for credit that you make. The creditor then use that credit score to determine what they are prepared to loan to you, what the interest rate will be on that loan and what payment plan they are prepared to accept. If you’re somebody who has never had any debt before, any creditor who looks for your credit score will view you as a bit of a non-entity, and will likely refuse you any credit, particularly for big amounts of money like with a mortgage. To build your credit score in this situation is usually done...

How to Deal With False Charges

A lot of companies make mistakes when it comes to charging their customers, and for anyone who has been in that situation can attest to, it isn’t always easy to set the record straight. A lot of people will end up just paying the extra amount because they can’t be bothered to go through the standard rigmarole which companies put people through when they protest at a charge. The first step with any contested payment is to collect all of the contract details and any other information regarding your situation (delivery information or whatever else). You can then use that information to argue your case with the company, or if that doesn’t work, you can provide a governing body/watchdog with that information so that they can help you to sort...

Raising Money Through Crowd Funding

The principal of crowd funding is that you get those who are interested in the project to help fund it, as an investment, so that it can come to fruition. It has a number of advantages when compared to a more typical type of investing for those seeking investment, as it leaves them with considerably more control, and because everybody has only contributed a small amount people are less invested in the result. Crowd funding projects aren’t new, but thanks to the internet we have seen their occurences increase massively, particularly in certain areas.Some of the areas of industry and society in general where crowd funding is more common are areas where there is great public interest in it, such as crowd funded charity efforts, video game sequels, movie sequels...

HSBC Job Cuts and Restructuring

HSBC announced recently that they will be cutting back even further, after their recent history of cutbacks, with 800 job cuts to be made, a restructuring of their branches, and also a rebranding exercise as well. Although this one sixth reduction of their UK workforce is concerning for many, for HSBC it is all just a part of their larger plan to refocus towards the east and China. The restructuring hasn’t just occurred here either, as Europe will likely see similar cutbacks. Their plan to move the main operations of their corporation to China is mainly due to the typically stagnant growth seen in Europe, which is its current base of operations. China has seen regular growth, and while it has fluctuated over recent years and failed to meet their...