Jobs to go at HBOS mortgage sector

This is a guest post.
With the mortgage drought in the UK continuing since the onset of the global credit crunch last year, it is not only consumers who are suffering. Many people that work within the mortgage industry have also suffered as a result of the turmoil in the mortgage sector, and recently HBOS has [...]

The Need to Protect Your Income

The issue of income protection has been in everybody’s mind for long, especially in tough times. It is obvious that people always looking for a form of save haven for their hard-earned money.
A question that often being raised is, “if anything happened to me, will my family or others that depend on me be [...]

The cost of children

The costs start before birth, in extra doctor’s visits (and anti-emetics) for the mom-to-be. They spike during the hospital stay and remain high through the diaper-and-baby-food stages, the ever-larger clothing, the field trip money, and eventually college. Kids are expensive; the cost of a child born this year and raised in the Midwest: $183,510, not [...]

What is Threshold of Perception for Money?

In physical terms, the threshold of perception is the limit at which you start to feel something. A change of a tenth of a degree might not make you feel warmer, but you could feel a change of a full degree. Some people are incredibly sensitive and aware to such changes, others are not.
In many [...]

Cooking versus eating out

Which is cheaper, eating out or staying in? Common wisdom says eating in. Take this article, for example, in which the author conducted a fairly controlled experiment, eating out one week, cooking at home the next (with the potentially confounding factor of a wife eager to vindicate eating out). The results: the week of restaurant [...]

Probate advances - I want it now, please

The economy of ‘now’ is definitely the driving factor of today’s finance world.
Especially in credit card, loan and insurance business, the ‘now’ main premise is to expect you to make decision now, with certain perks and benefits of doing so.
Why?
Because people do act differently, often irrationally, when it comes to money.
According to Tim Harford, of [...]

Online Payment Processing - Simplicity is Key

Bryant Welch, a clinical psychologist, lawyer, professor and former executive director at the American Psychological Association, wrote that life in a globalised world is complex and uncertain, but the human brain craves simplicity and assurance.
No matter how negative the effect of simplicity (and everything instant) is, people does crave for them, due to the fact [...]

Locus Pocus

If you have something happen to you, do you blame it on yourself, or blame it on external causes?
It’s an odd question, but an interesting one as it deals with your personal locus of control. But, that’s jumping ahead. Let’s start with defining a locus of control.
In psychology, the locus of control is a scale [...]

Bargains and behavior

A recent post on Get Rich Slowly is ostensibly about how J.D. and his wife cleaned up his mom’s house and found that she was a packrat; but it’s really about how buying and hoarding “bargains” can be a trap. The house contained many unopened bulk packages of food that were long past their best-by [...]

Decoy marketing

This intriguing article discusses decoy marketing, a tactic marketers use to make their products look better by comparing them to inferior ones offered for a similar price. The author, Roger Dooley, discusses falling prey to this when shopping for shaving cream. First he stares at the shelf, trying to decide between dizzying numbers of options; [...]

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Personal Neurofinance Blog by Ivan Widjaya is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 Unported License. Based on a work at www.moneyandminds.com. Permissions beyond the scope of this license may be available at http://www.moneyandminds.com.

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