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Crixalis Xerxes

2 days ago

The Capital Group Inc: US rates and credit outlook

The Capital Group Inc: US rates and credit outlook

Risks and uncertainties cloud rates outlook for 2017

 

• The US Federal Reserve ended 2016 on a hawkish note, raising rates and noting US economic strength.

• Although markets are expecting growth to accelerate in 2017, a lot remains uncertain, from fiscal policy to international relations.

• Other factors may also act as a headwind to rising US rates, such as overseas demand for US bonds.

 

Could both the economy and government policy be at an inflection point? The US Federal Reserve (Fed) prompted this question by raising rates in December and boosting its expectations for rate hikes in 2017. As the year begins, it’s worth reflecting not only on the Fed but also on the wider outlook for US interest rates. US economic growth could accelerate this year: consumer spending is growing at a healthy pace; manufacturing surveys, a leading indicator of the economy’s health, have ticked higher in recent months; “animal spirits” have awakened since the election, as seen in the stock market’s rise.

 

If optimism translates into additional economic output, both GDP growth and consumer price index inflation could move above the 2.0% to 2.5% baseline expectations. That would lead to higher bond yields and ultimately a more hawkish Fed. Short-to-intermediate US Treasury yields is now at levels not seen over the past five years.

 

Read more here…

2 days ago

The Capital Group Inc: US rates and credit outlook

The Capital Group Inc: US rates and credit outlook
1 month ago

Online Fraud Detection: Don’t get fooled! Avoid these Common Frauds

Scammed.

 

Conned.

 

Ripped off.

 

Our fascination with fraud seemingly never ends. Eight years after Bernie Madoff confessed to the biggest investment fraud of all time, a single utterance from the Ponzi-meister in prison can still grab headlines. Financial fraud is a staple of prime-time TV, including CNBC's "American Greed" and the new Bravo series "Imposters," about a serial con woman and her victims' quest to track her down.

 

What is it about the financial ruin of others that keeps us glued to our screens?

 

It could be because the stories make us feel smart. We could not possibly be taken the way those poor Madoff saps were, right? We would see that scam artist coming a mile away.

 

That may be the case. But the moment you truly start to believe that, the con artist has scored his first victory. It means you are complacent. Remember, "con" is short for confidence. Once a crook has yours, he has an easy path to your wallet.

 

With that in mind, here is a refresher on the most common scams, and how to protect yourself.

 

Identity theft

 

Your most valuable asset can be stolen without a gun. The market for stolen identities is brisk, and no wonder. With even a few pieces of personal information, a crook can rake in big money at your expense.

 

According to the Identity Theft Resource Center, here is what identity thieves are most after these days:

 

  • Social Security numbers. With those nine digits, a crook can collect a tax refund in your name (and make it impossible for you to collect yours), get a job and obtain credit — while ruining yours. Don't give out your Social Security number unless you absolutely have to. Don't carry your Social Security card with you, and never put your number in email.
  • Bank account or credit card numbers. At the risk of stating the obvious, if a crook has these, he has access to everything. Be careful about online forms that ask for this information. Never supply the numbers in communication you did not originate. And check your statements often to monitor for fraud.
  • Driver's license numbers. Increasingly used as an alternative form of identification, your driver's license can allow criminals to apply for credit, board a flight and much more. Make sure you know where your license is at all times. Guard the number just as you would your financial account numbers.
  • Insurance policy numbers. Both medical and auto insurance numbers are in demand, the center says. A scammer can file claims in your name, potentially blocking you from your coverage when you truly need it.
  • Date of birth. The more information a crook has about you, the easier it is to pretend he is you.
  • State or employee identification number. See all of the above.
1 month ago

Southbourne Positive Living Group: Tips for Living Positive Life

Leading a positive life is a must, if you want to cope with the day to day challenges. A life full of negativities, worries and mental blocks can help you get ill more quickly. And it is not that worrying or being negative will change things.

 

Sometimes, the only thing you have with you is your attitude and how you make the best of what happens to you. One thing which a person can do is to try and ensure that he or she focuses on doing activities which help increase the feeling of well-being, and bliss and tranquility.

 

Here are some suggestions on how you can bring that “positivity” into your life and benefit from it. All, including students, will benefit from trying to maintain a motivated, energized and positive life.

 

Live simply

One of the biggest stressors in the world is materialism and the race to grab and achieve success at any cost. One of the symptoms of that is the tendency to buy and hoard the things.

 

One major thing which you can do to increase the positivity in your life is to discard what does not fit your life. Stop hoarding and collecting things. Or at least reduce this habit.

 

Keep your life light and uncluttered. Ideally, keep it as open as possible- with few belongings. You will feel lighter and happier and less worn down. The materialistic tendencies are one of the biggest removers of happiness in our lives.

 

Eat simply and well

An occasional eating splurge is great, but a daily habit of gluttony is sure to cost you in terms of mental and physical fitness.

 

You can stuff yourself all you want, but if you think that it is going to create that long lasting feeling of well-being in you, you are wrong. It will slow down your metabolism, stress your digestive system, makes you feel lazy and tired and in fact, this depletes your system.

 

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Instead, cut down on the heavy food (except for some occasions); focus on eating fresh and light. Your body will feel good, your mind will feel good and you will feel happier and lighter.

 

Southbourne Positive Living Group (SPLG) meets on the last Wednesday of the month (excluding holidays).

 

Join a group of like- minded people and rediscover the purpose and meaning of your life.

2 months ago

Oakmere Wealth Management Advisors: Other Services

We either have the expertise or access to specialists who can advise you on a wide range of other wealth management services, ranging from writing wills and tax advice and legal services to advice on portfolio management services, general insurance and corporate lending.

 

Products and services from other providers have been carefully selected to complement and enhance the range of St. James's Place products on offer.

 

Some of the services we have available to us are separate and distinct to those offered by St. James's Place.

 

Wills are not regulated by the Financial Conduct Authority.

4 months ago

Tyre&Auto Southbourne Group Review: Have your car checked often

Do you want to maintain the good condition of your car? Then you must have the basic knowledge of its maintenance and repair. It’s also advisable to make it your priority to guarantee the safety of your own as well as your family. Tyre&Auto Southbourne Group suggests that you always keep your car within safety standards and in perfect running condition to have a pleasant drive.

 

Aside from keeping your car in good running condition, you also need to be a responsible driver. Remember how learning to properly brake a car is the first rule in driving a vehicle? It only signifies the importance of everyone’s safety inside an automobile. It often comes first before you even learn how to make a car move forward or backward. As a driver, you should always be careful and make sure that everyone is safe while you are driving. Being a good driver is not that hard, right?

 

However, finding a local and trustworthy company that offers good automobile service is somewhat difficult. But most citizens in South Coast of Hampshire depend on Tyre&Auto Southbourne Group for automobile services. It is a family-operated company that has a decade of reliable record in trading car parts and accessories. Tyre&Auto can provide your every car needs, be it car servicing, tyres, brake checks, MOT's or free seasonal tune-ups and check-ups.

 

The company can deliver fast tyre quotation through online transactions to make fitting faster with lesser trouble. When you require help, they can also provide local collect and delivery of your car where you can be sure of a first-rate car maintenance and repair.

 

Does your car need to undergo an MOT test? It’ll be no problem to Tyre&Auto Southbourne Group. Checking the safety of your car and the amount of exhaust emission were included in this examination. The company provides regular reminders to assist you in your annual MOT certificate requirement. And in order to ensure that you will renew your road tax and your car insurance at the right time, the reminders of Tyre&Auto also include the due of your test.

 

Whether it is work-related or personal matters, each of us needs a vehicle to reach our desired destination every day, and a car meets that need. It is really a great convenience in today's busy society. Getting your own car could also be an advantage to you because it provides ease, mobility, and personal comfort, so in return, you must properly take care of it and make sure to have it checked every time.

 

In addition to the comfort and financial returns a car could bring to an individual or a family, this particular tool can also deliver emotional or psychological benefits. Tyre&Auto Southbourne Group believes in the crucial role of cars these days, thus they continue to provide quality service to their customers that can meet or exceed their expectations. Tyre&Auto makes sure that their automobile maintenance and repair is always top-notch.

4 months ago

Online Fraud Detection Security and Risk Online on How to Keep Safe Shopping Online and Avoid Cyber-crime

 

With online shopping growing fast, more of us are turning to the internet to buy stuff. And the run-up to Christmas is one of the busiest times, with Black Friday and Cyber Monday seeing a jump in online sales.

 

Latest figures show that this year it is expected that around out of every £100 spent on retail, £1.70 of that will be online. Last year Black Friday saw two million online transactions, with around one million on Cyber Monday.

 

More than three-quarters of internet users made a purchase online last year, according to research from Twenga Solutions.

 

But many online shoppers are worried about the risk involved of sharing financial details over the internet. Now Devon & Cornwall Police has issued this guidance on how to stay safe when shopping online.

 

How to protect yourself from cyber crime

 

Cyber crime is when criminals exploit the speed, convenience and anonymity that technology offers in order to commit a range of offences. It is becoming increasingly serious and is estimated that it costs the global economy about 445 billion dollars a year, according to the Centre for Strategic and International Studies (CSIS).

 

What is 'cyber crime?'

 

Police often break cyber crime down into two categories:

 

  • Cyber enabled crime – traditional crimes committed using the internet. e.g. theft, harassment, fraud, identity theft, selling stolen goods, drug dealing or people smuggling.
  • Cyber dependant crime - online crimes where a digital system is the target. These include attacks on computer systems to disrupt IT infrastructures, e.g. unauthorised access (hacking), malicious software programming (malware) or denial of service attacks.

 

 

We are all vulnerable to the potential of cyber crime, either individually or as a company. Remember that 80% of all cyber crime is preventable.

 

The Law

 

Cyber crime is against the law under the Computer Misuse Act (CMA) 1990. It may also include abusive or harassing communications under the Malicious Communications Act 1988 or Protection from Harassment Act 1997.