Personal Finance and Investing

Recently, we stumbled across a companies website where they act on PPI claims for people in the UK who have acquired credit cards and loans in the last couple of years. PPI is payment protection insurance; a form of insurance that will protect the policy holder in the event that they cannot work for health reasons or redundancy and therefore cannot meet their monthly repayments.

This type of insurance sounds good on the surface, but there are many problems that have been highlighted recently, the main one being the huge amount of people who have been mis sold a PPI policy. Read more…

You may have heard about the movement to automatically opt employees into their 401K’s. Right now, the default option is for you not to contribute. When you’re hired they ask you if you’d like to contribute and how much. If you say no, then nothing is taken out of your check. There is a movement afoot to make opting in the default option instead. When you’re hired you would automatically have three percent (more or less depending on the employer’s plan) deducted from your check and placed into a retirement plan/fund of your employer’s choosing. You would h

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Investing is an endeavor that can be both challenging and complicated. If you are new to investing, then you may end up paying the price if you do not know where to turn for the most reliable investing tips and investing advice out there.

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Has the market become commoditized or polarized and what’s the cause?

Since the post war boom business school professors, marketers and business leaders operated under the belief that there were three distinct consumer segments in the US market. The Luxury segment that accounted for five to ten percent of the market, the mid or mass market that accounted for sixty to seventy percent and the low end or commodity segment which accounted for twenty to thirty percent of the market. The classic bell shaped curve.

Has the classic model and curve been turned upside down, flattened or shifted to the bottom? H

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