Complete Finance Blog

College to me was a blast. Between studying, late-night pizza parties and 24-hour access to my best friends; life was pretty good. But looking back, there are a few financial things I wish I had known that would have saved me some money and headaches:

1.    Pay attention to your bank account. Opening your own bank account is a big deal, so do some research beforehand to figure out which bank is right for you and how you can take advantage of it to build savings. This can help you get started.
2.    Find on-campus work. From the college bookstore, to the student center, to the library, to Federal Work Study programs – there are plenty of job options if you want to make extra money. On-campus employers are likely to be more understanding of your school schedule, too.
3.    Hold a swap meet. Your unwanted designer jeans or astronomy textbook could be of value to someone down the hall. Pick a day and place where everyone can meet up, then let the free exchange begin.
4.    Take advantage of free stuff. As a student, you get access to a lot of free and low-cost campus events and activities like lectures, concerts, clubs  or even the gym. Also, check ou

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Payday loans are designed to help consumers, not hurt them. Unfortunately, more people seem to be getting themselves into deeper financial trouble with these loans each year. According to the UK Consumer Credit Counseling Service (CCCS), there was a huge increase in the number of payday loan-related calls it received last year.

The combination of high loans APR and consumer inability to repay the financing on time seems to be creating a financially harmful result.

In 2010, CCCS received 7,841 calls from consumers regarding short-term, no credit check loans. This figure skyrocketed to 17,414 in 2011 but that is not the most concerning data. The CCCS reported experiencing a six-fold increase in customers who had payday loan debts.

Though this financing is relatively small, it seems to be making a large impact on consumer budgets. Rather than helping many consumers remain financially stable, it is pushing them into debt.

Payday lenders charge annual interest rates as high as 4,000 percent. If the loan is repaid within the initial term, the amount of interest paid is only a fraction of this.

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London Stock Exchange Market is one of the oldest stock market in the world. It is known to be dated some 300 years ago.

There are a lot of milestones that London Stock Market has experienced through out the years. Today, London Stock Market is considered as an important financial institution.

London Stock Market costs are cited in pounds and pence. This might appear just a little apparent to say, but you will find a couple of exceptions cited in euro.

Probably the most accurate spot for the sporadic investor to get their prices London Stock Exchange Market is within a regular paper. Probably the most highly regarded as could well be clearly the London Financial Occasions.

Companies make an application for and need to pay to become indexed by the Foot London Share Service.

Unless of course indicated, the cost of shares is proven in pence. The costs are taken in the mid-market in the close from the previous day’s business. M

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Since my last post on government spending increase (it’s actually decreasing) was hijacked by those focused on denying the impact of human activity on global climate, I thought it useful to recap the global land sea anomaly [0]. It’s also useful to recall that on one side is Texas Governor Perry [1], and the other side the National Academy of Sciences [2]. I think that dichotomy speaks volumes.

Here’s the land sea anomaly through January 2012.

Just to remind folks of where the scientific profession stands. From “Expert credibility in climate change,” Proceedings of the National Academy of Sciences (2010):

… we use an extensive dataset of 1,372 climate researchers and their publication and citation data to show that (i) 97-98% of the climate researchers most actively publishing in the field support the tenets of ACC outlined by the Intergovernmental Panel on Climate Change, and (ii) the relative climate expertise and scientific prominence of the researchers unconvinced of ACC are substantially below that of the convinced researchers.

Two key graphs (shown in this post highlight that fact that among published (in peer reviewed journals) climate scientist, the overwhelming consensus is on that anthropogenic climate change (ACC) is occurring.

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