Financial inclusion is a severe problem among the most vulnerable in developing countries; for that reason, we focus our attention on analysing the financial inclusion of the lowest-income cohorts. Financial inclusion is a significant metric of a bank's social impact (Nizam et al., 2019). It ...
True Blue Migration Servicestold us recently a lot of the Australian Partner Visa applications apply for the partner visa to Australia BEFORE they’ve been in a relationship for one year. This is how you’ll most certainly get refused so please don’t apply for the spouse visa before you’v...
Add pension contributions and employer matches if pensions are a factor in your plan. Gross them up to account for tax relief. Don’t add investment income and gains. These are accounted for in the return assumptions that follow. The number you’re left with is how much you should be savi...
You will be introduced to a new world of finance when customer is king and prices matter because there is an abundance of alternatives. The world of digital providers and brokerages is very different than those of banks who rely on their customers to simply stay put regardless of fees. It’...
In terms of annual return, the difference between investing in shares in the U.K. versus the U.S. doesn’t look like that much: Averaged over the past 124 years, the annualised real return from equities3for a British investor is 4.8%. ...
While there are significant savings to be had on items such as flatscreen TVs, my overall experience thus far means that in hindsight I would have much rather paid a little bit extra and purchased a new TV from one of the many retailers in my local area. ...
So Federal debt risk is less, with individuals absorbing some of the pain of external shocks. Taxes are high and there is a national VAT tax, but on the plus side the tax system is much simpler than that of the US. Australian Medicare works very differently from the US. It is a ...
So What Is The Problem? Most people get stuck on the same three questions: What investments do I use to provide a lifetime of income? A big chunk of my savings are in 401k or pension, locked up until I’m 59. How do I retire at 35? How can I pay for (US) health insurance on...
In addition to deciding what to invest in (and how much), it’s also important to think about where each of those funds is going to live. Income from bonds usually gets taxed as ordinary income, so bonds are better off in a tax-deferred account like an IRA or 401(k). With internati...
The truth is that a lower SWR is safer no matter how much kung-fu you know, so I’m not actually going to adopt a 4.7% SWR. 4% it is So after everything we’ve been through I’m going to choose 4%. Editor: You clutz! You total time-waster! Is this your idea of a joke?