How to protect, improve your credit score amid cost-of-living pressures – National
Last month, the federal government proposed tying rent payments to credit scores, a new way to help Canadians build their credit. Meanwhile, cost-of-living pressures are impacting some people’s ability to pay down debt and keep their scores in good standing. A credit score is a three-digit number that comes from your credit report — a […]
How to avoid falling for offers during sales
The drawers were overflowing with skin care products and makeup – three different blushes, many eyeshadows, a dozen different mascaras, foundation and serum samples sitting unused for years. Still, Eduek Brooks counted on seasonal sales, especially for skin care, to grab the best deals. It was her retail therapy, chasing dopamine hits, she said. “A […]
Inflation has caused summer camp costs to soar. Here are tips for parents on how to save
As the countdown to summer begins, some are feeling the burn in their wallets as inflation continues to affect everything from gas prices to food. The latest casualty: parents experiencing the sticker shock of summer camp. Jamie Aderski, a New Jersey mom of two, made a popular video on TikTok that highlighted concerns for parents […]
How to write the perfect cover letter
It can be tempting to trawl through your old job applications or even to use the cover letter that you wrote for another opening just weeks ago, but it’s best to avoid regurgitating the same letter for different employers. Recruiters and hiring managers will be able to spot bland, generic sentences easily. Research the company […]
Demat account: How to pledge shares? Here’s a step-by-step guide
Investors have the option to leverage their securities held in their demat accounts by pledging them as collateral to obtain a loan. This process, known as pledging, allows borrowers to access funds based on the value of their securities, including shares, debentures, bonds, and mutual fund units. By offering securities as collateral, borrowers can typically […]
Counterfeit eclipse glasses are selling online. Here’s how to spot them
Glasses should be worn before and after the eclipse to avoid eye damage AAS: Counterfeit eclipse glasses are ‘polluting the marketplace’ Authentic glasses are labeled ‘ISO 12312-2’ with an ISO certification label (NewsNation) — Scammers are trying to sell counterfeit solar eclipse glasses ahead of next Monday’s event. During the solar eclipse, the moon will move […]
How to beat Labour tax hikes with your Isa
The party has ruled out increasing income tax, National Insurance or capital gains tax if it wins the next election. But some believe Rachel Reeves, the shadow chancellor, will have to raise taxes if the party is to fund its spending pledges – and if that is the case then taxes on “unearned income” from […]
How to freeze and unfreeze your demat account? A step-by-step guide
A demat account serves as a digital repository for holding securities such as shares, bonds, and other financial instruments electronically. It streamlines the process of trading and investing in the stock market by eliminating the need for physical certificates and paperwork. Despite its convenience, there are circumstances when investors may find it necessary to either […]
How to invest £1,000 – and make it work as hard as possible
Adding some fixed income exposure to those equities – a 20pc bonds, 80pc stocks mix – reduces the volatility. A portfolio with this mix typically falls less, reduced to 19pc before recovering over time. Return expectations are also dampened with volatility however, and an average return on £1,000 over five years is £1,892. Still too […]
How to beat the pension age rise to 57
She said: “The rules are complicated, but generally to keep a protected pension age the pension saver has to transfer from the scheme at the same time as at least one other member, to the same pension scheme. So, if they transfer on their own they will lose the protected age. “Because protection is lost […]