est Destructive spotted lanternflies are making their way across the East Coast By www.mnn.com Published On :: Thu, 19 Sep 2019 12:12:24 +0000 Spotted lanternflies are hitching a ride on everything from camping gear to Christmas trees. Full Article Organic Farming & Gardening
est 'Alice's Restaurant': It's a Thanksgiving music tradition By www.mnn.com Published On :: Mon, 25 Nov 2019 21:37:39 +0000 There's not a lot of Thanksgiving music out there, but there's one song that's a can't miss while cooking Thanksgiving dinner. Full Article Healthy Eating
est Which cars are best and worst for fuel efficiency? By www.mnn.com Published On :: Thu, 19 Mar 2009 14:21:01 +0000 Hybrid sales are down, but federal efficiency rules could fuel a comeback. Full Article Translating Uncle Sam
est Omron IA Japan is the best BtoB website of the year 2014 for eight consecutive years. By www.ia.omron.com Published On :: Tue, 22 Jul 2014 16:00:16 +0900 Topics Full Article Topics
est Freedom Services loses 30 staff amid restructure By www.insuranceage.co.uk Published On :: Wed, 25 Mar 2020 12:37:20 +0000 However, its MGA Pukka is now live with fresh capacity following Gefion exit. Full Article
est Covid-19: The ultimate stress management test By www.insuranceage.co.uk Published On :: Tue, 31 Mar 2020 15:55:05 +0100 Opinion: Philippa Wilkin, former underwriter and mindfulness expert, explores ways to manage anxiety during the coronavirus pandemic. Full Article
est Profile: Chairman of Vizion Insurance Brokers and investor Chris Blackham By www.insuranceage.co.uk Published On :: Thu, 07 May 2020 11:41:00 +0100 Millionaire maker: From setting up one of the first consolidators to becoming an investor in start-ups, Chris Blackham reflects on the highs and lows of selling-up and shares his vision for the future Full Article
est Axa XL reveals global restructure By www.insuranceage.co.uk Published On :: Tue, 21 Apr 2020 14:46:07 +0100 Provider to create a single global insurance underwriting function and form three geographical business units across the Americas, Eurasia and the UK & Lloyd’s market. Full Article
est Covid-19: QBE latest provider facing legal action after denying BI claims By www.insuranceage.co.uk Published On :: Wed, 29 Apr 2020 12:37:31 +0100 Simon Sloane, partner at law firm Fieldfisher, says over 40 policyholders in the dental sector are interested in pursuing action. Full Article
est FCA set to take a keen interest in vulnerable customers By www.insuranceage.co.uk Published On :: Thu, 07 May 2020 10:46:17 +0100 Insurance Cares: Report by Consumer Intelligence and Sicsic Advisory shows number of people in the vulnerable customer category has hit 13m. Full Article
est Report suggests Amazon could expand Protect product By www.insuranceage.co.uk Published On :: Tue, 26 Jun 2018 14:10:56 +0100 However CB Insights said that Amazon acting as more than a distributor in the home market was “unlikely”. Full Article
est Quizzical questions: 11 October 2019 By www.insuranceage.co.uk Published On :: Fri, 11 Oct 2019 11:28:37 +0100 Test your knowledge of the week's news with our topical quiz. Full Article
est Motor premiums may ‘reach the highest on record’ By www.insuranceage.co.uk Published On :: Mon, 20 Jan 2020 09:42:44 +0000 Willis Towers Watson and Confused warn of future increases as they publish data for Q4 2019. Full Article
est Blog: When is a consolidator, not a consolidator? The question Barton, Jelf and Reid’s Partners& hopes to answer By www.insuranceage.co.uk Published On :: Wed, 08 Apr 2020 10:33:22 +0100 This week saw the launch of new broking business Partners&, bringing together a quintet of players to form a business which is positioning itself as distinctly anti-consolidator. Insurance Age content director Jonathan Swift looks at what this means; and the challenges it faces to maintain its self-proclaimed USPs as it grows. Full Article
est Covid-19: Allianz latest insurer in legal BI firing line By www.insuranceage.co.uk Published On :: Wed, 06 May 2020 09:50:23 +0100 Edwin Coe is representing a group of businesses with the insurer’s Resilience policy wording. Full Article
est Latest Weight Loss Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Weight Loss Articles from ArticleGeek.com Full Article
est The 10 Best Fruits and Vegetables to Grow in Your Garden By www.411homerepair.com Published On :: Sun, 08 Dec 2019 00:00:00 EST If you’re just starting out growing your own fruit and vegetables, congratulations - you’ve made the right decision. Growing your own food is significantly more environmentally friendly than purchasing it. There’s also simply no substitute for sitting down to a home-cooked meal consisting entirely of ingredients you’ve grew yourself. Full Article Garden / Landscaping / Patio
est 6 Steps to Choose the Best Retractable Awning for Your Home By www.411homerepair.com Published On :: Mon, 23 Dec 2019 00:00:00 EST Outdoor awnings are an excellent investment primarily because it covers you figuratively and literally. First, if you need a place to rest outside your house, sunshade protects you from the sun, snow, and rain. Secondly, if you are holding a barbeque party, the canopy got you covered as it provides a comfortable room as the house would, for your guest. Full Article Garden / Landscaping / Patio
est Sandy Soil: The Best Plants to Grow In By www.411homerepair.com Published On :: Thu, 16 Jan 2020 00:00:00 EST The main peculiarities of the sandy soil, its pluses and minuses. Useful tips on how to improve the sandy soil. Examples of the plants that can be grown in the sandy soil. Full Article Garden / Landscaping / Patio
est Latest Affiliate Business Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Affiliate Business Articles from ArticleGeek.com Full Article
est 8 Greatest Ways To Converting Your Traffic Into Your Greatest Profit By www.articlegeek.com Published On :: The Secrets behind a Great Profits from Traffic finally revealed! If you want to know how they make it, you'll definitely need to know what they're doing. Full Article
est Latest Mortgage / Refinancing Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Mortgage / Refinancing articles from ArticleGeek.com Full Article
est Shop Around for the Best Mortgage Interest Rate By www.articlegeek.com Published On :: If you are currently on the market for a new home, or you are looking to refinance your current mortgage, one of the most important things to you when shopping around for a home loan will be the mortgage interest rate. Full Article
est Securing the Best Mortgage Rate By www.articlegeek.com Published On :: If you are looking to purchase a new home or refinance the one you are currently living in, you will want to find the best mortgage rate out there. Full Article
est The 3 Best Website Traffic Sources By www.articlegeek.com Published On :: Provides a different perspective on what website traffic "really" is and gives you some very straight forward thoughts on how to evaluate any source of traffic you're considering purchasing. Explains why publishing targeted articles online is your best strategy Full Article
est Latest Website Traffic Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Website Traffic Articles from ArticleGeek.com Full Article
est Free Reprint Articles That Will Interest Publishers - 4 Tips By www.articlegeek.com Published On :: Have you been writing and submitting your free reprint articles for quite sometime now? If so, how is your reprint rate doing? Is it doing well or is it a bit below 50%? Are webmasters approving your articles? Full Article
est Latest Holiday Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Holiday Articles from ArticleGeek.com Full Article
est Christmas in Budapest By www.articlegeek.com Published On :: Find out how Hungarians celebrate Christmas in Budapest. Includes information on opening hours, public transport during the holiday and some Hungarian Christmas traditions. Full Article
est 10 Best Valentines Gifts to Give By www.articlegeek.com Published On :: World over in February young couples celebrate Valentines Day with laughter and promises of undying love. The celebration knows no barriers and whether 4 or 80 years old, people with hope treasure the phrase "Will you be my Valentine." Full Article
est What Will Be the Hottest Christmas Toys of 2006? By www.articlegeek.com Published On :: Wondering which toys will be the hottest Christmas toys this year? This article gives you the "inside scoop" on what toys you should watch this holiday season. Full Article
est Latest Shopping Online Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Shopping Online Articles from ArticleGeek.com Full Article
est Latest Computer Hardware Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Computer Hardware Articles from ArticleGeek.com Full Article
est How to 'Download' Your Old Computer to the Highest Bidder By www.articlegeek.com Published On :: When you think trash, you surely don't think about your old, trusty personal computer. But that's exactly what will become of it when you make the inevitable move toward your next laptop or desktop. And, yes, buying a new computer is inevitable, considering the pace at which computer technology zips along. Just thinkâabout a handful of years ago, a fast microprocessor for a laptop was at 233 MHz. Now you're looking at about at least 2 GHz! That's Giga, with a G. Full Article
est Notebook or Desktop Computer, What is the Best Buy? By www.articlegeek.com Published On :: This article explains the main differences between notebooks and desktops, providing useful information about as to which one would be best to purchase. Also there is some information about reconditioned computers. Full Article
est Keyman Insurance - Protect Yourself Against Your Biggest Businesses Risks By www.articlegeek.com Published On :: Keyman insurance is one of the most overlooked insurances for business - but also one of the most important. This article looks at the risks it can cover for Directors, Shareholders, partners and employees alike. Full Article
est Pet Insurance - Suss Out the Answers to 10 Key Questions By www.articlegeek.com Published On :: Pet insurance has become the fastest growing form of insurance in the UK with over 220 policies on the market. Here are 10 key questions to ensure you get the right policy. Full Article
est Latest Marriage and Wedding Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest marriage and wedding articles from ArticleGeek.com Full Article
est Best Man Speech By www.articlegeek.com Published On :: Are You the Best Man For the Job? You are in a position of honor. Your close friend is assuming the position and he needs your help. Full Article
est Latest Hair Loss Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Hair Loss Articles from ArticleGeek.com Full Article
est Natural Hair Care Best Hair Loss Treatment By www.articlegeek.com Published On :: Besides Anti-Androgen Medication, there are a number of Herbal Nutritional Supplements available which contain natural substances for blocking this transformation into DHT by the human body and are able to take care of hair loss. Full Article
est Latest Lifestyle Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Lifestyle articles from ArticleGeek.com Full Article
est Maintaining profitability important in big banks’ interest rate cut decisions By www.accc.gov.au Published On :: Mon, 27 Apr 2020 13:24:00 +1000 27 April 2020Maintaining profits was a major consideration for the big four banks as they weighed whether to reduce mortgage rates in line with Reserve Bank of Australia cash rate cuts during 2019, the ACCC has found. The ACCC’s Home Loan Price Inquiry interim report, released today, shows that the big four banks considered various factors as they decided whether to pass on the RBA’s June, July and October 2019 rate cuts. But recovering profits was central to their decisions to not always fully pass through the lower rates to mortgage customers. “The banks were attempting to shore up their profitability during a period of low interest rates,” ACCC Chair Rod Sims said. “It was their strong preference, after the RBA’s cuts, not to further reduce the rates customers were earning on some deposit products as they approached zero per cent.” “The banks’ reluctance to cut these deposit rates led them to anticipate lower profits, which they aimed to recover by not always fully passing through cash rate cuts to their mortgage customers,” Mr Sims said. The ACCC’s analysis also found that the big four banks benefitted from a sustained decrease in their funding costs during much of 2019. While headline rates for owner-occupier home loans with principal and interest repayments fell overall during 2018 and 2019, the banks’ funding costs fell even more over the same period. “We recognise that much has changed in the economic and funding environment since last year. The COVID-19 pandemic has shifted priorities and the banks are playing an important role in supporting the economy,” Mr Sims said. “However, the inquiry findings shed an important light on bank decision making and raise questions about whether the banks could, at the time, have passed on a higher proportion of those RBA cash rate cuts to their mortgage customers.” The ACCC’s Home Loan Price Inquiry interim report also shows that although average interest rates charged by the big four banks on home loans fell during 2019, a lack of price transparency and higher interest rates for existing loans continued to cost customers. The interim report examines home loan prices charged by the big four banks between 1 January 2019 and 31 October 2019. It found that home loan pricing practices continue to make it difficult for consumers to compare different mortgage products. Headline rates did not accurately reflect the price most big four bank customers actually paid for their home loans, because the overwhelming majority of customers received discounts, including opaque discretionary discounts. “Given the economic disruption, uncertainty and job losses stemming from the COVID-19 pandemic, many consumers may not be inclined to shop around and ask for discounts from their banks right now,” Mr Sims said. “However, our analysis shows how that even a small further reduction in interest rates could potentially save thousands of dollars over the life of a mortgage. Consumers should consider this carefully when it is time to re-engage with their lender.” For example, a customer with an average-sized new, owner-occupier, principal and interest mortgage of $386,000 could save about $5000 on interest payments in the first year if they went from having no discount to receiving the big four banks’ average discount of 128 basis points. At the end of September, customers with new owner-occupier loans with principal and interest repayments were paying, on average, 26 basis points less than customers with existing loans. The difference was usually even more significant for customers with older loans. The ACCC’s final report, scheduled for release later this year, will consider barriers to consumers switching to alternative home loan suppliers. Further information at Home loan price inquiry Background On 14 October 2019, the Treasurer, the Hon. Josh Frydenberg MP, issued a direction to the ACCC to conduct an inquiry into the market for the supply of home loans. The specific matters the ACCC was directed to take into account included: prices charged for home loans since 1 January 2019, including: the difference between advertised interest rates and interest rates paid by customers the difference between interest rates paid by new and existing customers home loan suppliers’ pricing decisions following changes in the RBA’s target for the cash rate, including the extent to which changes were due to suppliers’ cost of funds and the timing of the suppliers’ announcements impediments to consumers refinancing to alternative home loan suppliers. The interim report focuses on the first issue regarding the prices charged for home loans between 1 January 2019 and 31 October 2019 by the big four banks, which account for close to 80 per cent (by value) of home loans held by authorised deposit-taking institutions in Australia. The final report will consider the second issue, impediments to consumer switching. The big four banks are Australia and New Zealand Banking Group, Commonwealth Bank of Australia, National Australia Bank, and Westpac Banking Corporation. In preparing the interim report, the ACCC used its compulsory information gathering powers to obtain information and documents from the big four banks, and supplemented its analysis with data supplied by the RBA and the Australian Prudential Regulation Authority. The findings in the report reinforce and build on those in the ACCC’s earlier Residential Mortgage Price Inquiry. Release number: 84/20ACCC Infocentre: Use this form to make a general enquiry. Media enquiries: Media team - 1300 138 917 Audience Consumers Topics Banking & finance Full Article
est Latest Astrology Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest astrology articles from ArticleGeek.com Full Article
est Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door facing South West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces South West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Full Article
est Flying Stars Fengshui for 2006: Yearly Predictions & Remedies for Main Door Facing West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
est Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door Facing North West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces North West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
est Basics of Western Astrology Explained By www.articlegeek.com Published On :: This article covers the basics of Astrology and how they are inter-related. Astrology is defined as 'the art or practice of determining the supposed influences of the planets and their motions on human affairs and human disposition'. Full Article
est Latest Women's Issues Articles at ArticleGeek.com By www.articlegeek.com Published On :: Read the latest Women's Issues Articles from ArticleGeek.com Full Article
est Controlling Intestinal Gas Naturally By www.articlegeek.com Published On :: Intestinal gas, flatulence, farting or breaking wind is a natural part of the digestive process. This odorless gas, although at times embarrassing, is the result of good digestion. Every day, our body produces one to three pints of gas that is ultimately passed. For some, gas is an ongoing problem. Discover alternative and natural healing methods in which you can reduce or eliminate the awkwardness of intestinal gas. Full Article
