Your Financial Guide

Your utility bills are likely to be one of the biggest expenditures you need to think about when setting your household budget, so it is important that you know in advance how you are going to pay them. One option is to set up a direct payment method or subscription, so that the bills are automatically paid at the correct time. This can be something to think about when you are looking for good credit card offers.

For example, if you set up a regular bill payment on your credit card, you can be safe in the knowledge that your payment will never be late. Plus, if you get a credit card that has additional benefits, such as an interest free period or cash back on your expenditure, using your card regularly can help you to access these add-on options. Read more…

As discussions over the restructuring of Greek debt hit another roadbump in Europe, major indices were flat or slightly down today. Louisiana received good news about its jobless rate, which went down from 6.9 percent in November to 6.8 percent in December, almost a full percentage drop year over year. In corporate news, Yahoo met investors’ expectations for its Q4 profit, however its revenue fell short of expectations. Meanwhile, Apple broke its previous record by over 50 percent, with more than $13 billion in profits and $46 billion in revenue. Read more…

Payday loan provider Wonga has removed pages from its website suggesting students should take out its loans.

The move came after the National Union of Students (NUJ) called the firm “highly irresponsible” for marketing loans with a typical APR of up to 4,214% to students. Wonga said it will continue to except applications from working students despite taking down its marketing material.

The pages in question suggested a Wonga short-term loan could be a viable alternative to a student loan – on which borrowers pay an interest rate of just 1.5%. The f

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The LLC amendment law pertains net assets being an important part of activity of a commercial entity. We observe that procedure of valuation of net assets is currently regulated by executive legislation and until recently such legislation was dealing only with joint-stock companies (hereafter… the “JSC”). In relation to limited liability companies (hereafter – the “LLC”), those regulations were applied only as analogy. As the LLC amendment law comes into force, the procedure of value determination of the LLC’s net assets will also be governed by executive legislation. And the wording of the Law allows to make a conclusion that procedures for the JSC and the LLC will be regulated by different acts (Ministry of Finance together with Federal Service of Financial Markets should issue an act for JSCs, and a Federal executive Body specifically authorized by Government should issue the rules for LLCs). The LLC Read more…

If your corporation needs restructuring of its debt, then the corporate recovery services can help you. This service will make change by guiding your main objectives and presentation for building a more beneficial and balanced approach in future tactic by handling the current debt. Corporate recovery services is used by a business in their financially trouble. You can hire some lawyer who offers this service that will help your business recovery in very easy and efficient way.

The most important thing is to understand exactly what type of service is this. This service is basically a way of helping business owners, shareholders, directors, creditors to restructure debt.   This service also includes the process of producing new money by using the company’s assets. And Read more…

Last month, cloud-based business software maker Salesforce posted disappointing third quarter earnings that caused shares to plunge. The company, one of the leading pioneers of “the cloud”, posted non-GAAP third quarter earnings of 34 cents per share on revenue of $584 million – which both exceeded analysts’ estimates of 31 cents per share on revenue of $571.4 million. Moreover, earnings and revenue increased 6% and 36%, respectively, from the previous year. On the surface, its earnings were solid considering the shaky global macro environment during the third quarter, so what caused its shares to slip so badly – dropping 7% immediately after posting earnings? Nervous investors were concerned with the company’s deferred revenue – its customer bookings – which increased 32% from the prior year quarter to $918 million, but actually declined 2% from its second quarter. Simply put, seq

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Fraudsters are attempting to sell rogue energy saving devices that could cause fire or electrocution to elderly home owners.

The Trading Standards Institute (TSI) has urged consumers to be on the lookout for bogus telephone cold callers trying to offload plug-in devices they claim can reduce electricity costs by as much as 40%.

The TUI issued the warning after receiving more than 200 complaints about phone calls from the scammers. Fraudsters call up and claim to be from people’s energy supplier or working in partnership with them. The

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