- ISA
- Are you making the most of your ISA allowance? Halifax offers two types of ISA - cash ISAs and stocks & shares ISAs.
- Cash ISA
- Savings
Car Shopping Tips for Smart Buyers
Editor's note: This is a guest post from Bailey Harris
When
it's time to buy a car, there are certain things you should be aware
of. Unless you're a particularly savvy car buyer simply heading out the
door with your checkbook and a determination to return with a car will
probably lead to buyer's remorse. You need to be informed. Following are
a few car shopping tips for smart buyers.
Decide on the Vehicle You Need
Whether you're shopping for a new car or a used one, doing a little research ahead of time will benefit you when you're ready to hit the bricks. Before heading out decide what your automotive needs are.
When
it's time to buy a car, there are certain things you should be aware
of. Unless you're a particularly savvy car buyer simply heading out the
door with your checkbook and a determination to return with a car will
probably lead to buyer's remorse. You need to be informed. Following are
a few car shopping tips for smart buyers.Decide on the Vehicle You Need
Whether you're shopping for a new car or a used one, doing a little research ahead of time will benefit you when you're ready to hit the bricks. Before heading out decide what your automotive needs are.
JP Morgan Chase to Take Twitter Stake
Investment News compiled by Sherin Dev
A new technology fund by J.P. Morgan Chase & Co. is in talks with Twitter Inc., an Internet messaging and communications major, to take a minority stake in the rapidly growing microblogging company, people familiar with the matter said.
Reported by WSJ, The
investment, which is expected to value Twitter at more than $4 billion,
will be made from the bank's new $1.2 billion digital growth fund,
these people said. Exact terms of the potential deal couldn't be
learned.
A new technology fund by J.P. Morgan Chase & Co. is in talks with Twitter Inc., an Internet messaging and communications major, to take a minority stake in the rapidly growing microblogging company, people familiar with the matter said.
Reported by WSJ, The
investment, which is expected to value Twitter at more than $4 billion,
will be made from the bank's new $1.2 billion digital growth fund,
these people said. Exact terms of the potential deal couldn't be
learned.Motorola's Xoom Starts Tablet War with Apple's iPad
 |
| English: Apple iPad Event (Photo credit: Wikipedia) |
After months of speculation, the tablet wars begin in earnest this week. Motorola is releasing its Xoom tablet on Feb. 24, and I consider it the first truly comparable competitor to Apple's hit iPad. That is partly because it is the first iPad challenger to run Honeycomb, an elegant new version of Google's Android operating system designed especially for tablets.
The
Xoom has a more potent processor than the current iPad; front and rear
cameras versus none for the iPad; better speakers; and higher screen
resolution. It also can be upgraded free later this year to support
Verizon's faster 4G cellular data networkDiabetes & The Impact On Life Insurance
Editor's note: A guest article by LifeBroker, Australia’s largest specialist insurance broker
If
you are suffering from the symptoms of diabetes, you may be concerned
about whether or not you will qualify for life insurance. Thankfully, in
almost all circumstances the answer is yes. This is true regardless of
whether or not you have Type 1 or Type 2 diabetes.
Diabetes is an issue that has been growing more prevalent. More people are diagnosed with this disease now than ever before. The life insurance companies are already well aware of this fact, and they are always revising their guidelines in order to account for the increasing occurrence of the disease.
If
you are suffering from the symptoms of diabetes, you may be concerned
about whether or not you will qualify for life insurance. Thankfully, in
almost all circumstances the answer is yes. This is true regardless of
whether or not you have Type 1 or Type 2 diabetes.Diabetes is an issue that has been growing more prevalent. More people are diagnosed with this disease now than ever before. The life insurance companies are already well aware of this fact, and they are always revising their guidelines in order to account for the increasing occurrence of the disease.
Can Bankruptcy Prevent Foreclosure?
Editor's note: This is a guest article from Wystan North a bankruptcy specialist from Ohio
Once
used only as a last resort by people drowning in debt, bankruptcy is
now viewed more as a strategic move. In particular, it’s becoming a
popular choice for people at risk of losing their homes to foreclosure.
Many homeowners, stuck with sub-prime mortgages that have reverted to
high original rates, are considering bankruptcy to keep their lenders
from foreclosing. But does it really work? Read on to learn more about
bankruptcy and how it can affect home ownership.
The Automatic Stay
Part of the appeal of bankruptcy to at-risk homeowners is the automatic stay: once the bankruptcy is filed, the court prohibits your creditors from contacting you or soliciting payments. Foreclosure counts as a form of solicitation, so your lender can actually get into trouble for foreclosing on your home. At the very least, this will buy you some time while you try to get your finances back in order.
Once
used only as a last resort by people drowning in debt, bankruptcy is
now viewed more as a strategic move. In particular, it’s becoming a
popular choice for people at risk of losing their homes to foreclosure.
Many homeowners, stuck with sub-prime mortgages that have reverted to
high original rates, are considering bankruptcy to keep their lenders
from foreclosing. But does it really work? Read on to learn more about
bankruptcy and how it can affect home ownership.The Automatic Stay
Part of the appeal of bankruptcy to at-risk homeowners is the automatic stay: once the bankruptcy is filed, the court prohibits your creditors from contacting you or soliciting payments. Foreclosure counts as a form of solicitation, so your lender can actually get into trouble for foreclosing on your home. At the very least, this will buy you some time while you try to get your finances back in order.
Coca-Cola's Top Secret Formula Revealed?
Most viewed news by Sherin Dev
The radio show This American Life has revealed the original Coca-Cola recipe—a secret the soda company has carefully guarded for more than 100 years. The show says Coca-Cola creator John Pemberton’s 1886 recipe was quietly published in 1979 in the Atlanta Constitution-Journal and no one noticed at the time. It has two parts. The first includes "fluid extract of coca," citric acid, caffeine, sugar, water, lime juice, vanilla, and caramel. The second, called "7X," includes alcohol, orange oil, lemon oil, nutmeg oil, coriander, neroli, and cinammon.
For
over a century now, the Coca-Cola formula is one of the most fiercely
guarded trade secrets of the corporate world. Many claimed to have found
it. And you will find quite a few such claimants on the internet. But
the mystery and mystique of Merchandise 7X, the name given to the combination of secret ingredients which gives the soft drink its distinctive taste, has endured.
The radio show This American Life has revealed the original Coca-Cola recipe—a secret the soda company has carefully guarded for more than 100 years. The show says Coca-Cola creator John Pemberton’s 1886 recipe was quietly published in 1979 in the Atlanta Constitution-Journal and no one noticed at the time. It has two parts. The first includes "fluid extract of coca," citric acid, caffeine, sugar, water, lime juice, vanilla, and caramel. The second, called "7X," includes alcohol, orange oil, lemon oil, nutmeg oil, coriander, neroli, and cinammon.
For
over a century now, the Coca-Cola formula is one of the most fiercely
guarded trade secrets of the corporate world. Many claimed to have found
it. And you will find quite a few such claimants on the internet. But
the mystery and mystique of Merchandise 7X, the name given to the combination of secret ingredients which gives the soft drink its distinctive taste, has endured.Sanofi Aventis Buys Genzyme for $20.1 Billion
Business news compiled by Sherin Dev
Sanofi-aventis(EURONEXT: SAN and NYSE: SNY) and Genzyme Corporation (NASDAQ: GENZ) announced today that they have entered into a definitive agreement under which sanofi-aventis is to acquire Genzyme for $74.00 per share in cash, or approximately $20.1 billion.
Christopher A. Viehbacher, Chief Executive Officer of sanofi-aventis said: “This
transaction will create a meaningful new growth platform for
sanofi-aventis while expanding our footprint in biotechnology. We expect
it to be accretive from year one, and the CVR structure, which served
as an important value bridge between our two companies, rewards both
Genzyme and sanofi-aventis shareholders,particularly if Lemtrada™
outperforms the market’s current expectations.”
Genzyme and sanofi-aventis will immediately begin integration planning, including the formation of a joint Integration Steering Committee. Henri A. Termeer will resign as Chairman of the Board, President and Chief Executive Officer of Genzyme following the close of the transaction, but will advise on the integration in his role as Co-Chairman of the Integration Steering Committee with Christopher A. Viehbacher.
Sanofi-aventis(EURONEXT: SAN and NYSE: SNY) and Genzyme Corporation (NASDAQ: GENZ) announced today that they have entered into a definitive agreement under which sanofi-aventis is to acquire Genzyme for $74.00 per share in cash, or approximately $20.1 billion.
Christopher A. Viehbacher, Chief Executive Officer of sanofi-aventis said: “This
transaction will create a meaningful new growth platform for
sanofi-aventis while expanding our footprint in biotechnology. We expect
it to be accretive from year one, and the CVR structure, which served
as an important value bridge between our two companies, rewards both
Genzyme and sanofi-aventis shareholders,particularly if Lemtrada™
outperforms the market’s current expectations.”Genzyme and sanofi-aventis will immediately begin integration planning, including the formation of a joint Integration Steering Committee. Henri A. Termeer will resign as Chairman of the Board, President and Chief Executive Officer of Genzyme following the close of the transaction, but will advise on the integration in his role as Co-Chairman of the Integration Steering Committee with Christopher A. Viehbacher.
Sony Ericsson to Launch PlayStation Smartphone
 |
| motodev xoom #appsum11lon (Photo credit: osde8info) |
Sony Ericsson announced Sunday it will launch its highly anticipated PlayStation smartphone in March. Sony Ericsson CEO and President Bert Nordberg,
who made the announcement at the Mobile World Congress in Barcelona,
Spain, admitted the technology has been a long time in the making."Even if the dream has been there a long time, in the industry it's taken some time to get everyone there," he told CNN.
The new device, named Xperia Play, is the first attempt by a major manufacturer to combine cellphone and full gaming capabilities in the same product since Nokia Corp. launched the sophisticated but ill-fated N-Gage in 2003, an expensive commercial failure that didn't satisfy the demands of either the gaming community or cellphone aficionados.
JPMorgan to Start Social Media Fund
Business news compiled by Sherin Dev
JPMorgan Chase is planning to start a new fund to invest in an array of Internet and new media companies such as Facebook and Twitter and digital-media companies, people familiar with the matter said.
JPMorgan Chase & Co
is a leading global financial services firm with assets of $2.1
trillion and operations in more than 60 countries. The firm is a leader
in investment banking, financial services for consumers, small business
and commercial banking, financial transaction processing, asset
management and private equity.
As per New York Times, 'The proposed fund, which will be run by JPMorgan’s asset-management unit, is seeking to raise between $500 million and $750 million from wealthy investors to pour into privately held technology companies like Twitter and the social-buying site Groupon, these people said.'
JPMorgan Chase is planning to start a new fund to invest in an array of Internet and new media companies such as Facebook and Twitter and digital-media companies, people familiar with the matter said.
JPMorgan Chase & Co
is a leading global financial services firm with assets of $2.1
trillion and operations in more than 60 countries. The firm is a leader
in investment banking, financial services for consumers, small business
and commercial banking, financial transaction processing, asset
management and private equity.As per New York Times, 'The proposed fund, which will be run by JPMorgan’s asset-management unit, is seeking to raise between $500 million and $750 million from wealthy investors to pour into privately held technology companies like Twitter and the social-buying site Groupon, these people said.'
True Practices to Gain Financial Knowledge, Skills and Accuracy
This article written by Sherin Dev
Acquiring financial knowledge and skills can do only through proper practices. A little of the same may receive through formal school and collage studies. Some of them may get from the practices for parents and mentors like teachers or any relatives and friends as well. Here are five proven best practices to acquire right financial knowledge utilizing the possibilities.
1. Read Financial Newspapers
- Financial newspapers are the right source to get update with what
happening in the money market and industry. If you are out of college,
have a practice or reading at least one financial newspaper a day. This
can be done through reading at office utilizing your free time, lunch
time or visiting public libraries or even subscribe the same at your
home. Generally, financial papers give huge coverage on happening in the
nation, adjacent nations and worldwide. They also feature good articles
on personal finance, business, money management and investment
practices for readers. Reading a paper in a day is good, two is
excellent and more is fantastic. Subscribing such papers can be used for
references in the future.
Acquiring financial knowledge and skills can do only through proper practices. A little of the same may receive through formal school and collage studies. Some of them may get from the practices for parents and mentors like teachers or any relatives and friends as well. Here are five proven best practices to acquire right financial knowledge utilizing the possibilities.
1. Read Financial Newspapers
- Financial newspapers are the right source to get update with what
happening in the money market and industry. If you are out of college,
have a practice or reading at least one financial newspaper a day. This
can be done through reading at office utilizing your free time, lunch
time or visiting public libraries or even subscribe the same at your
home. Generally, financial papers give huge coverage on happening in the
nation, adjacent nations and worldwide. They also feature good articles
on personal finance, business, money management and investment
practices for readers. Reading a paper in a day is good, two is
excellent and more is fantastic. Subscribing such papers can be used for
references in the future.Nokia and Microsoft Announce Plans for Strategic Partnership
Technology News Compiled by Sherin Dev
London, UK - Nokia today outlined its new strategic direction, including changes in leadership and operational structure to accelerate the company's speed of execution in a dynamic competitive environment.
Major elements of the new strategy include:
- Plans for a broad strategic partnership with Microsoft to build a new global mobile ecosystem; Windows Phone would serve as Nokia's primary smartphone platform.
- A renewed approach to capture volume and value growth to connect "the next billion" to the Internet in developing growth markets
- Focused investments in next-generation disruptive technologies
- A new leadership team and organizational structure with a clear focus on speed, results and accountability
London, UK - Nokia today outlined its new strategic direction, including changes in leadership and operational structure to accelerate the company's speed of execution in a dynamic competitive environment.
Major elements of the new strategy include:- Plans for a broad strategic partnership with Microsoft to build a new global mobile ecosystem; Windows Phone would serve as Nokia's primary smartphone platform.
- A renewed approach to capture volume and value growth to connect "the next billion" to the Internet in developing growth markets
- Focused investments in next-generation disruptive technologies
- A new leadership team and organizational structure with a clear focus on speed, results and accountability
Relatively Great Ideas to Make Money from Valentine’s Day Spree
Editor's Note: Article written by Sherin Dev
It’s against the Valentine’s Day ethics. But is the right ethics for a right Frugal. When everybody in a spree to spends money, you catch that opportunity to make money. Valentine’s Day provides you one of the ever best opportunities to tap huge money that spend by lovers across the world. Here are some great ideas on how one can make money from the enjoyment moods of others in their own city.
Whatever
the service, ideas or programs, advance preparation is a must to avoid
failures, but comes to a huge success. One of the major tasks is to
inform public that you have such a specific Valentine’s Day service for
them to utilize. Effectively market your ideas across the city and
public utilizing possible advertising campaigns like news paper, ad
boards and notices. Never miss collages and other places where youth
comes together always!
1. Offer Midnight Delivery Services. Yup, it is one of the best ways to make money. You can take advantages from offering the odd time service to public with little more service charges. Most of the lovebirds would like to deliver gifts, cards and flowers to their lover at the very first moment, 00:00:01, in the day. Utilize this mentality as an opportunity to make money. Remember to prepare well with required agents with you to deliver such services in time.
It’s against the Valentine’s Day ethics. But is the right ethics for a right Frugal. When everybody in a spree to spends money, you catch that opportunity to make money. Valentine’s Day provides you one of the ever best opportunities to tap huge money that spend by lovers across the world. Here are some great ideas on how one can make money from the enjoyment moods of others in their own city.
Whatever
the service, ideas or programs, advance preparation is a must to avoid
failures, but comes to a huge success. One of the major tasks is to
inform public that you have such a specific Valentine’s Day service for
them to utilize. Effectively market your ideas across the city and
public utilizing possible advertising campaigns like news paper, ad
boards and notices. Never miss collages and other places where youth
comes together always!1. Offer Midnight Delivery Services. Yup, it is one of the best ways to make money. You can take advantages from offering the odd time service to public with little more service charges. Most of the lovebirds would like to deliver gifts, cards and flowers to their lover at the very first moment, 00:00:01, in the day. Utilize this mentality as an opportunity to make money. Remember to prepare well with required agents with you to deliver such services in time.
Apple's New iPad in Production
Technology news compiled by Sherin Dev
Apple Inc. has started manufacturing a new version of its iPad tablet computer with a built-in camera and faster processor, said people familiar with the matter.
The new iPad
will be thinner and lighter than the first model, these people said. It
will have at least one camera on the front of the device for features
like video-conferencing, but the resolution of the display will be
similar to the first iPad, these people said. It will also have more memory and a more powerful graphics processor, they said.
The new iPad will initially be available through Verizon Wireless and AT&T Inc., but not Sprint Nextel Corp. or T-Mobile USA in the U.S., according to some of the people familiar with the matter.
The new iPad is expected by Apple watchers to debut in the next couple of months at a similar price range as the current iPad, though exact details couldn't be learned. It currently costs between $499 and $829.
Further reading:
1. Source & More news at WSJ
2. USA today: Apple's iPhone still stirs up frenzy
Apple Inc. has started manufacturing a new version of its iPad tablet computer with a built-in camera and faster processor, said people familiar with the matter.
The new iPad
will be thinner and lighter than the first model, these people said. It
will have at least one camera on the front of the device for features
like video-conferencing, but the resolution of the display will be
similar to the first iPad, these people said. It will also have more memory and a more powerful graphics processor, they said.The new iPad will initially be available through Verizon Wireless and AT&T Inc., but not Sprint Nextel Corp. or T-Mobile USA in the U.S., according to some of the people familiar with the matter.
The new iPad is expected by Apple watchers to debut in the next couple of months at a similar price range as the current iPad, though exact details couldn't be learned. It currently costs between $499 and $829.
Further reading:
1. Source & More news at WSJ
2. USA today: Apple's iPhone still stirs up frenzy
AOL Acquires Huffington Post for $315 Million
Business news compiled by Sherin Dev
AOL disclosed early Monday morning that to acquire internet news website Huffington Post for a deal of $315 million. This action reveals the intention of AOL to become the top producer of news, entertainment and other digital content. The transaction will create a premier global, national, local, and hyper-local content group for the digital age – leveraged across online, mobile, tablet, and video platforms. The combination of AOL’s infrastructure and scale with The Huffington Post’s pioneering approach to news and innovative community building among a broad and sophisticated audience will mark a seminal moment in the evolution of digital journalism and online engagement.
As part of the deal, Huffington Post co-founder Arianna Huffington will be appointed president editor-in-chief of all of AOL’s content. She will not only run The Huffington Post,
but will lead AOL’s news, tech, women, local, multicultural,
entertainment video and community content businesses in an AOL entity
that will be known as the Huffington Post Media Group
AOL disclosed early Monday morning that to acquire internet news website Huffington Post for a deal of $315 million. This action reveals the intention of AOL to become the top producer of news, entertainment and other digital content. The transaction will create a premier global, national, local, and hyper-local content group for the digital age – leveraged across online, mobile, tablet, and video platforms. The combination of AOL’s infrastructure and scale with The Huffington Post’s pioneering approach to news and innovative community building among a broad and sophisticated audience will mark a seminal moment in the evolution of digital journalism and online engagement.
As part of the deal, Huffington Post co-founder Arianna Huffington will be appointed president editor-in-chief of all of AOL’s content. She will not only run The Huffington Post,
but will lead AOL’s news, tech, women, local, multicultural,
entertainment video and community content businesses in an AOL entity
that will be known as the Huffington Post Media GroupHow to Repair Your Credit after a Bankruptcy
Editor's Note: This is a guest post by Deborah Dera
The state of today's economy has been less than friendly to many. A number of honest, hard working people have found themselves struggling on a financial level and despite their best efforts have turned to bankruptcy in an attempt to gain a fresh financial start. The good news is that while your credit score may have taken a hit you can take steps to repair your credit after you receive your discharge.
Budget Responsibly
Your bankruptcy filing will show up on your credit report for up to 10 years. This does not, however, mean that you will not be able to obtain any type of credit at all. Take some time to sit down and work out a budget that will allow you to reestablish some type of credit without going into debt. Use the cash you've set aside in your budget to take out a small loan, open a store credit card, or to do something that will allow you to make monthly payments – on time – so that they are reported to the credit bureaus.
Create an Emergency Fund
There is no telling when the economy will improve. Spend some time stashing some cash in a savings account so that you will have an emergency fund in place for future tough times. Having an emergency fund in place will help you to avoid turning to credit when things get rough.
The state of today's economy has been less than friendly to many. A number of honest, hard working people have found themselves struggling on a financial level and despite their best efforts have turned to bankruptcy in an attempt to gain a fresh financial start. The good news is that while your credit score may have taken a hit you can take steps to repair your credit after you receive your discharge.
Budget Responsibly
Your bankruptcy filing will show up on your credit report for up to 10 years. This does not, however, mean that you will not be able to obtain any type of credit at all. Take some time to sit down and work out a budget that will allow you to reestablish some type of credit without going into debt. Use the cash you've set aside in your budget to take out a small loan, open a store credit card, or to do something that will allow you to make monthly payments – on time – so that they are reported to the credit bureaus.
Create an Emergency Fund
There is no telling when the economy will improve. Spend some time stashing some cash in a savings account so that you will have an emergency fund in place for future tough times. Having an emergency fund in place will help you to avoid turning to credit when things get rough.
Money Hacker Monthly Wrap
I was excited by getting guest article throughout the month of
January 2011. It is nice to say that most of articles posted in money
hacker in the month of January are guest article written by various
authors from around the globe. It covers different subjects that is
interested to people from different places and traits.
Here is a short wrap of these articles added by arranging the same in a proper way to take an easy look:
January 03
Two Essential Financial Resolutions to Set for This New Year
A simple guidance to set two most important resolutions for this year and methods to work and achieve success with it at the end of year. This is really a good article for any individual who intend to move with realistic resolutions than setting multiple and none of them work for them later.
Here is a short wrap of these articles added by arranging the same in a proper way to take an easy look:
January 03
Two Essential Financial Resolutions to Set for This New Year
A simple guidance to set two most important resolutions for this year and methods to work and achieve success with it at the end of year. This is really a good article for any individual who intend to move with realistic resolutions than setting multiple and none of them work for them later.
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