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Invest Wisely

Idiots Guide

The Later Years

The Basics of Social Trading

RPI Annuities for retirees comfort

High Prices in Cornwall Make Equity Release Attractive

Cornwall Statistics. Specialists in finance.

Invest Wisely

If you have some cash to spare you may think about entering the world of investing in stocks and shares. Many people think that they can make a fast buck by investing but in fact it takes a cool head and alot of research to make the right choice.

Experts always warn that the value of your investment can go down as well as up and this is certainly the risk if you have not done your homework. It is not enough to watch the currency news and hope for the best. It is not even enough to take the advice of the analysts as this does not replace doing your own research.

Make sure that you have thoroughly researched a company before you buy shares in it. Search for any news on them and make sure that you have read previous financial reports on them. Use a stocks and shares filter if you want but do not let this be the main factor in your choice. (more...)

Idiots Guide

Many people have difficulty in understanding specific financial terms, even those which are bandied around all the time and which people just assume they understand, such as endowment mortgages and bonds.

The problem is that most people find finance a real mystery, but do not want to admit that they do not have a clue what is being talked about. You know the scene that is familiar to so many people – you go to visit your pensions advisor who talks about this and that and you come out of it none the wiser than when you went in, as you do not understand the jargon.

All this can have a huge impact on our own financial planning as we cannot plan for our retirement when we do not know all the options available to us. (more...)

The Later Years

Many people dread their retirement rather than looking forward to it as they should after years of hard work. That is because it is getting increasingly difficult to find our retirement as pensions are worth less and costs are shooting up. Commodities, food and fuel are all rocketing and even the savings we do have are giving us less and less returns.

There are various ways that people deal with this problem. Some people look at equity release schemes on their house or apartment, which means that they get the cash for their house up front and the bank then gets repaid when they pass away.

Other people are forced to put their retirement on hold and carry on working until much later than they had planned. There are people still working up and down the country who are well into their seventies. (more...)

The Basics of Social Trading

Many people who are looking for ways to earn money instantly choose to invest in online forex trading which in essence is very easy to start but if they do not do sufficient research about the trade, they can end up losing lots of money.

In the past, there was always a portfolio manager, a broker or a market analyst who would assist you with forex trading activities; however, with the technological advancements especially the social media, traders are easily brought into contact with other traders. This has led to the latest emerging trend – social trading .

Social trading is a form of online trading that is based on what other traders or friends in your social network are trading in. This does not apply to forex trading alone. It applies to all forms of online trading including stock trading. Instead of relying on brokers or analysts, people are now relying on the successful traders in their social services. You have real time access to their information so it is very easy to follow or copy them. (more...)

RPI Annuities for retirees comfort

Today, pension annuities have become very popular and it doesn’t surprise me because of how the economy is turning. There are so many people that have been victims of not planning for their lives and future ahead of time and have ended up regretting it. However; there are so many pension annuity products on the market with every annuity bringing some benefits to people that sign up for them.

The RPI Annuities which stands for the Retail Price Index is the inflation attuned annuity name that is given to index based annuities. Many financial advisers consider the RPI Annuities to be one of the most precise pointers that truly represents money. With this type of annuity, you start with a basic amount also, when RPI goes up, rate of interest on your money also increases but when it decreases; you should also expect a decrease in interest rate.

Although many people have said that this type or form of annuity is one of the best; it is perfect for long term retirement purposes and because risks that comes with this type of annuity are covered by your insurance company; there is no cause for alarm. Also, the RPI annuity is very dependable and can be very attractive depending on the provider you buy from. (more...)

High Prices in Cornwall Make Equity Release Attractive

Cornwall has long been considered by many as a little gem in the UK's crown. It has benefited for years from the warmth of the Gulf Stream, keeping the temperature of the sea at a more inviting level than that on the East coast of England. There is lots of coastline with a multitude of inlets, bays, and sandy beaches, making it popular with holiday makers, surfers, and those wanting to buy a second home. Those who were lucky enough to buy a property in Cornwall prior to 2000 will have seen its value increase significantly over the years despite the recent dip across the UK in house prices as a result of the general economic downturn. Some folks have become used to working from home in recent years and have therefore moved house to settle in Cornwall because of its many attractions such as pleasant climate, warm seas and pleasant sea views. There is something uniquely appealing about a sea view to the human soul, and estate agents know full well this can easily put 15-20% on the value of a home. The area of Corwall is small so demand for properties has always been high, with the consequence that prices here have shot up more than in many other parts of the UK.

Equity Release in Cornwall has now become a real prospect for many who have bought first or second homes there. Some parts of Cornwall are popular with the "Jetset" like Rock and are seen to be as desirable as the South of France. This has all helped to skyrocket prices here with places like Penzance, Barnstaple, Truro, and Newquay being amongst the places of highest price rise in the UK according to the Halifax building society, showing gains of over 150% in ten years.

Thus, had you for example, bought a house in Cornwall in the year 2000 for the average price of £99,000 you would have been looking at an average value of £186,000 by 2010, giving you equity of £87,000 which is an appreciable sum. (more...)


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