When Living Cheap Catches Up With You

February 12th, 2010

Julia writes in:

What do you do when frugal living catches up with you? As a family we had a much lower income from 2002 to 2007 (layoffs in the IT industry led to trying to survive on short contract work). We did not move home as that would have cost a fortune in fees here in the UK. Instead we bought nothing beyond the essentials. No holidays, outings, clothes, entertainments, etc. What we needed beyond food and fuel came from Salvation Army shops, garage sales, etc. We hung on to our cars as they had done low mileage but were not worth a lot in resale value.

We no longer work in IT but have found alternative permanent jobs.

Read more…

European Waterways’ Hotel Barge L’Impressionniste in Burgundy

February 11th, 2010

I dreamed of floating above a green carpet of vineyards interspersed with trays of fine meats and poultry with clouds made of Roquefort and Brie cheeses. Then I awoke to a “real” fantasy not unlike the dream. I was on a fabled French canal exploring an Edenic garden of edible delights.

I spent a week on L’Impressionniste, a 126-foot-long hotel barge, cruising the Burgundy region of France. It was late summer and the vines were full of their famous fruit. All that was needed were a few days of rain and a week or so of warm weather. Then the harvesting could begin.

Read more…

The Top 10 Cheapest New Cars of 2010

February 11th, 2010

I’m not an advocate for buying new vehicles versus used. However, there is some merit in buying an extremely cheap new car and driving it until it’s time to take it behind the woodshed and put it out of its misery.

That being said, below is a list of the 10 cheapest vehicles of 2010 (from most to least expensive), based on MSRP. If you only buy used, go out and get one of these models in 3 years as their resale values are typically only about half of MSRP.

Foreign Automakers Dominate The List of Cheapest Vehicles

You’ll find that foreign automakers swept the list: Nissan (2), Scion (2), Toyota (1), Hyundai (1), Kia (3), and Honda (1). At th

Read more…

Consumers also responsible for credit card security

February 9th, 2010

Credit card users need not do anything wrong to fall victim to security breaches like those at Heartland Payment Systems and TJMaxx parent company TJX; they simply need to have a card.

Their credit card information is protected by the Payment Card Industry (PCI) Security Standards Council, which was formed in 2006. The council sets 12 specific goals to build and maintain secure networks, but those may not always be enough, according to general manager Bob Russo.

“Consumers need to take a little bit of responsibility now. You can watch your credit card activity online,” Russo said in an interview with CNET News. Read more…

Axa tussle enters new round

February 9th, 2010

The battle for Axa Asia Pacific Holdings’ (Axa APH) Australasian businesses enters a new phase this week after AMP’s exclusivity agreement with the French parent company and bid partner Axa SA expired over the weekend.

In a statement this morning AMP gave little away, saying it  “continues to consider its position” on Axa APH in the absence of an exclusivity agreement.

Assuming AMP does not lift its bid to beat the cash offer from rival suitor National Australia Bank (NAB), the winner may be decided by the Australian Competition and Consumer Commission.

The commission’s decisions on whether to allow a takeover will be made known by Wednesday in AMP/Axa SA’s case and March 18 in the case of NAB.

NAB’s strategic move for market share presents the prospect of a big bank getting bigger – a likely contentious point for the competition watchdog.

AMP has reportedly downplayed to staff the importance of a successful bid, but as Ibisworld industry analyst Zlatan Kapetanovic puts it, life without the Axa APH assets greatly increases the risk of AMP becoming a target for a takeover itself.

“For AMP it is a move they need to make in order to survive because they are the only independent wealth management and financial planning company at the moment,” he told insuranceNEWS.com.au.

Axa APH has backed up last month’s positive $675 million earnings forecast for 2009 with strong data on new business. It said last week the A

Read more…

Consumer Credit – What Good News?

February 8th, 2010

Bloomberg said:

Feb. 5 (Bloomberg) — U.S. stocks rose, rebounding from the biggest losses since March, as investors speculated the European Union may come up with a solution for budget deficits in Greece and Spain and consumer credit dropped less than forecast.

Read more…