On the 31st of December, 2012, the introduction of the RDR (Retail Distribution Review) put in place new regulations which force independent financial advisers (IFAs) to take client fees instead of commission payments, in exchange for financial advice.
With us all frantically penny pinching, budgeting and keeping fingers and toes crossed that the financial slump our country has found itself in will soon end, we often find that the first casualty of our household budget cuts are our beloved luxuries.
Controlling spending habits and building credit resources is recommended for all people seeking to manage a personal budget and build cash reserves. There are certain proven steps recommended for all people to cope with the financial uncertainties of life. Saving money on a regular basis, living under budget, and creating lender relationships are three keys to financial health.
Whether you’re seeking an enthusiastic puppy, a cuddly kitty or an adorable bunny, there are several great places to shop for your pet. Some offer pure bred animals, while others specialize in lovable mutts. Here are the ins and outs of each source so you’ll be satisfied with the search for your new best friend.
There really never has been a better time to join the exciting and rewarding world of contracting, what with permanent employee benefits being significantly reduced, final salary pensions disappearing and salaries being cut.