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Some things in life are meant to be shared while others most certainly are not. Of course, then there are those in-between things that could arguably go either way. For many couples, finances are a black and white issue. Most couples either have combined finances or separate finances, depending on their preferences and financial situations. Some couples may have separate accounts as well as combined accounts. It really comes down to a comfort level in most cases.

Sometimes couples choose to keep separate finances to avoid one person taking on the other person’s debt. Others feel finances are a private personal matter, which can be a bit concerning in cases of marriage with separate finances. When you look at the whole picture, a couple’s decision to combine or separate finances really does come down to the individual couple, their habits, and their communication style.

Money is a common point of contention for many couples at one time or another in their relationships.

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The most expansive expatriate survey is back and it wants to hear from you. If you’re living abroad then HSBC’s Expat Explorer survey will benefit from your time and effort in filling it in and providing data about your life as an expatriate living overseas – what’s more, fellow expats and would-be expats will benefit from the final findings that reveal where the best places to live abroad are for lifestyle, families and finances

Unarguably the best, most expansive expat survey is back!  HSBC’s Expat Explorer survey is up online and it’s waiting for you to fill it in.  The survey’s findings are always fascinating, and they really help other expats realise that they are not alone with any hurdles they’ve encountered in terms of integration, and they are certainly not alone in terms of loving their new life abroad!

The survey is fairly long-winded however, and it does require a certain amount of commitment from all respondents – so take an extended tea break before you sit down to submit your answers because you don’t want to get distracted half way through!

The findings from the survey bring us all great insight into what the expat lifestyle is like all over the world.  Furthermore the findings allow us all to see where in the world expats are better off financially and emotionally, where families enjoy the best lifestyle for example, and where healthcare, the work/life balance and aspects of life such as the cost of living are better.

Last year’s Ex

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It’s May. Apart from the heat, it’s also the season for your annual performance bonus.
A few of you may already have made plans for the use of this money as soon as it hits the salary accounts. But many of you must be wondering what to do with this money. Often this money gets spent in an unplanned manner and afterwards, you may repent and wish that you had used the money in a better way.
Here is a list of financially prudent things to do (in the order of priority) with your annual bonus rather than blowing it all up in one massive binge.
Build up your contingency fund – You should build up your contingency fund to at least 3 to 4 months of expenses in case you haven’t done that already. Building up a contingency fund is a crucial part of your financial plan. This contingency fund can be maintained in the form of bank FDs (try opting for sweep in sweep out option if your bank offers) or liquid mutual funds. Conting

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Google announced in a news conference on Thursday its release of a new application that will allow Android smartphones to act as credit cards. The application is called Google Wallet and will integrate credit or debit cards, loyalty cards, gift cards and others into a single application.

How Google Wallet Will Work

According to Google, the application will only work with Android phones from Sprint Nextel that have wireless chips built into them for tap-and-pay. The phones with the near-field-communications (NFC) chips built into them will have a special sticker on them. Older Android phones will be able to have the chip installed.

While Android owners will be able to use the phones in 311,000 stores worldwide that have installed MasterCard terminals, the phones are currently only being offered in New York and San Francisco for now to test the market more accurately.

Application Security and Fraud Concerns

When Google originally announced its plans to release the application in Nov. 2010, c

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The Income Tax department seems to be interested in continuing its collaboration with banks in offering services to customers. After the positive response received from customers regarding facilities like offering TDS information through internet banking to tax payments at ATMs, the I-T department is aiming to add to the services being offered through this channel.

The next set of services planned to be channelized through banks is likely to be application for tax refunds and tax credits via bank ATMs.

Not only application of tax refunds, the taxpayers would also be able to check the status of their refund applications at ATMs.

“The revenue department plans to expand collaboration with banks. Taxpayers will be able to apply for refunds and get them through ATMs. They may also be allowed to file returns through ATMs.

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Remember-direct deposit saves you time and protects Mother Earth. That’s why NACHA has designated the month of May to highlight the many benefits and resources available to individuals and companies of using Direct Deposit as a means of streamlining processes and saving money. With it, NACHA is promoting all things Direct Deposit and Direct Payment including What it is, how it works, the benefits; implementation and marketing tools and resources; calculation tools to estimate how much you can save by switching your organizations payroll from paper checks to Direct Deposit; how to communicate the benefits of Direct Deposit and Direct Payment; and how to increase employee benefits by adding split deposit to your payroll program.

If yours is the likes of a gaming or pharmaceuticals business frowned upon in the UK or in certain reputable offshore jurisdictions you may find it hard to operate your company. Fortunately Belize is the one offshore centre where legitimate yet difficult to place businesses can incorporate and bank.

In the past those who have quite legitimately attempted to run the likes of gaming or pharmaceuticals companies have found it incredibly hard to get company formation and bank account solutions.  The prejudices such companies face regularly makes it difficult for them to effectively run the financial side of their business, and as a result some look offshore for help.

However, favourable and respected jurisdictions such as the Seychelles can also err on the side of over-caution when it comes to such types of so-called ‘difficult to place’ businesses, and as a result companies can be crippled and restricted. 

The good news is that a respected provider of offshore solutions has recently managed to negotiate the creation of a perfectly suitable structure for these types of businesses.  So, for those who are legitimately involved in the legal side of the adult, gaming or pharmaceuticals industry, read on to learn how your business could finally operate with confidentiality offshore.

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