Make Money Online Notes and Links grabbed from a Wholesale Ted Video

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An Article about Pensions

Are annuities good for your well-being?

13 March 2019

There’s evidence to suggest that annuities are a good choice for many people.

Many of today's retirees have the opportunity to live the kind of life they want to after decades spent juggling family and career demands. They also have much more freedom to use their pension savings how they like. Depending on the choices they make, they can keep their options open through retirement and manage their pension pot to meet specific goals that may change over time.

Yet, for many, the most valuable freedom will continue to be the ability to enjoy a reasonable standard of living in retirement without the risk of running out of money. The surest way of doing that is to convert pension savings into an annuity.

Annuities provide security, stability and a range of other benefits. They used to be the default option for those reaching retirement. Yet they have become much less popular in the UK since the introduction of pension freedoms. In its first figures released this year, the Financial Conduct Authority says between 10% - 15% of retirees are now selecting annuities, while 30% are opting for drawdown and 55% are taking full cash withdrawals.1

In the US, annuities remain deeply unpopular. This has attracted the attention of several prize-winning economists, one of whom even addressed the topic in his Nobel Prize Acceptance Speech. In 1985, Franco Modigliani pondered on the "annuitisation puzzle" and attempted to understand why they were so often shunned. He said: “It is a well-known fact that annuity contracts, other than in the form of group insurance through pension systems, are extremely rare. Why this should be so is a subject of considerable current interest. It is still ill-understood.” 

More recently, behavioural economists Benartzi, Previtero and Thaler wrote that, “Rational choice theory predicts that households will find annuities attractive at the onset of retirement because they address the risk of outliving one’s income, but in fact, relatively few of those facing retirement choose to annuitise a substantial portion of their wealth."

Even today, the theory that many people will want to convert their pension pot into an annuity stands in sharp contrast to what we observe. So, why is this?

• Value for money
  Although annuity rates have been improving recently, they are still low by historical standards.
   
• Lack of control
  Many people prefer to be more involved in deciding where their pension savings are invested.
   
• Inflexibility
  Even though annuity products may come in many shapes and sizes, income is generally inflexible and does not allow for changing needs and circumstances.
   
• Inheritance
  While an annuity will give you certainty, the income dies when you do, leaving nothing for your heirs.
   
• Underestimates of longevity
  The Institute of Fiscal Studies has found widespread “survival pessimism” at all ages. This may make individuals reluctant to buy annuities, as they think that they will live shorter lives than they are statistically likely to. As a result, some retirees may ask: “Will I live long enough for this to pay off?”

Clearly, there are some drawbacks to annuities. They’re right for some people and wrong for others. But they have the potential to solve some complex problems with which some retirees struggle, such as how much they can spend each year. What's more, research suggests they can have a positive impact on well-being.2

Amongst those on modest retirement incomes, the number of people with drawdown plans who said they weren’t enjoying life was more than double the number of annuitants who expressed the same negative feelings.

The research also provided evidence that people with drawdown plans were finding it significantly harder to plan for the future.

This prompts the question: is there a correlation between wellbeing, planning and sense of autonomy and the retirement income choices that people have made?

The answer is far from clear. But the results suggest that thousands of people are potentially choosing options that are increasing their likelihood of feeling depressed in later life or unable to plan for the future.

What the research also demonstrates is the need for people to consider all options at retirement, and the importance of including annuities in these. For decisions as complex as accessing pension savings, individuals should seek advice. Without it, many may be taking out plans without fully understanding the risks.

1 Financial Conduct Authority, Sector Views, published January 2019

2 Demos research commissioned by Legal & General, November 2018

https://www.sjpinsights.co.uk/article/are-annuities-good-for-your-wellbeing/eightwealthmanagement/?utm_source=E-Briefing-Service&utm_medium=Email&utm_campaign=Retirement-Insights

How To Buy Shares

Research notes.

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https://www.halifax.co.uk/sharedealing/


https://www.hl.co.uk/


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Business Directories

Top 35 UK Business Directories To Get Your Small Business Noticed

Written by Uwe on October 09, 2013

In today’s competitive world it is crucial for small businesses to have a website. However, just starting up a new website is hardly enough. The website has to get found by your potential customers. For that reason you will need to get listed not only on search engines like Google, Yahoo and Bing, but also on business directories.

ADVANTAGES OF BUSINESS DIRECTORIES

There are three major advantages for getting listed on business directories:

1. Visitors of the actual business directory might find your business and go to your website or give you a call.

2. The link from the business directory to your company website helps you to get a higher ranking on Google, Yahoo & Co.

3. They connect your business and company website with a physical address which helps your business immensely when potential customers search for local companies.

TOP 35 UK BUSINESS DIRECTORIES

Yelphttp://www.yelp.co.uk/ (Google PR: 7)Yelp is not only a directory but customers can also review their favourite places. Over 42 million reviews are currently on the page.

Yellhttp://www.yell.com/ (Google PR: 7)Yell.com is the online version of the Yellow Pages. The page lists over 1.7 million businesses in more than 2,400 categories.

thomsonlocal
http://www.thomsonlocal.com (Google PR: 7)
Thomsonlocal has a printed as well as a online version. The online version features over 1.8 million businesses

Scoot
http://www.scoot.co.uk (Google PR: 6)
The Scoot network includes scoot.co.uk, touchlocal.com, ask.com, The Sun and The Independent. The network has over 7 million searches by UK consumers every month.

FreeIndex
http://www.freeindex.co.uk (Google PR: 5)
FreeIndex has more than 400,000 listed UK businesses with over 380,000 customer reviews. The also feature over 18,000 videos and 4,000 offers from listed businesses.

BT Tradespace
http://www.bttradespace.com (Google PR: 6)
BT Tradespace was British Telecom’s attempt to start a social network for businesses. Businesses get an own page within the network to promote their business activities.

Hotfrog
http://www.hotfrog.co.uk (Google PR: 5)Hotfrog operates in 38 countries, including the UK, and helps over 68 million businesses to reach new customers. More than 1.2 million consumers visit the page per month.

LocalMole
http://www.localmole.co.uk (Google PR: 6)LocalMole features over 1.8 million businesses and advertises the directory in over 100 local websites and in 149 local newspapers to drive consumers onto their directory.

Lacartes
http://www.lacartes.com (Google PR: 3)Lacartes started in London (UK) but soon listed more than 57,000 businesses in over 138 countries.

Opendi
http://www.opendi.co.uk (Google PR: 8)Opendi is originally from Germany but it’s UK version lists more than 1.7 million businesses. Over 13,000 of these listings are including further company details.

Manta
http://www.manta.com (Google PR: 6)
Manta.com is an international business directory. They list more than 1.6 million UK businesses in over 100 cities across the United Kingdom.

city-listings
http://www.city-listings.co.uk (Google PR: 3)city-listings.co.uk is still growing and currently has over 160,000 listings and more than 200,000 monthly visitors.

Businessmagnet
http://www.businessmagnet.co.uk (Google PR: 5)
Businessmagnet.co.uk is a B2B directory. More than 140,000 businesses have listed their products and services in over 75,000 categories.

Local Data Search
http://www.localdatasearch.com (Google PR: 4)
Local Data Search features over 700 cities in the UK with more than 380,000 listings.

Brownbook
http://www.brownbook.net (Google PR: 4)
Brownbook is a global business directory which includes UK businesses. It has been featured in the likes of BBC and The Telegraph and has more than 2.2 million UK businesses listed.

Yalwa
http://www.yalwa.co.uk (Google PR: 5)
Yalwa operates in over 17 English speaking countries. Its network of websites includes the Locanto free classifieds ads website.

UK Local Search
http://www.uk-local-search.co.uk (Google PR: 4)
The UK Local Search business directory is a completely free directory. They don’t offer any way of paying them.

UK Small Business Directory
uksmallbusinessdirectory.co.uk (Google PR: 5)The website has over 180,00 registered businesses. There are frequently close to 2,000 active visitors on the page at the same time.

Tradepages
http://www.tradepages.co.uk (Google PR: 1)
Tradepages.co.uk is a B2B supplier directory. The directory lists over 200,000 UK-based suppliers for products and services.

Searchme4
http://www.searchme4.co.uk (Google PR: 4)
Searchme4 is a B2B supplier directory for UK business suppliers.

PinBud
http://www.pinbud.co.uk (Google PR: 2)
PinBud was first launched in Canada back in 2010 and now operates in Canada, the USA, Australia and the United Kingdom. Consumers can get quotes from multiple suppliers with a single request.

Locanto
http://www.locanto.co.uk (Google PR: 4)
Locanto is a free classified ads website where businesses can support their listings with pictures and videos. The website operates in over 40 countries and is part of the Yalwa network. Premium features are available.

freeBD
http://www.freebd.co.uk (Google PR: 2)
The Free Business Directory (freeBD) offers completely free listings to UK companies to get more exposure to potential new customers.

Enter UK
http://www.enteruk.co.uk (Google PR: 2)
Enter UK offers companies from the United Kingdom to get listed for free on their online directory.

Cylex UK
http://www.cylex-uk.co.uk (Google PR: 6)
Cylex operates over 30 online directories in numerous countries and languages. Their websites are visited by over 1 million people daily.

Bizwiki
http://www.bizwiki.co.uk (Google PR: 5)
Bizwiki is a business directory for UK-based businesses. The directory collects its company data through the bizwiki robot which finds businesses as long as they publish their UK address on their website.

B99.co.uk
http://b99.co.uk (Google PR: 2)B99.co.uk is a UK business directory with over 2 million business listed in more than 2,000 categories and over 100,000 company emails.

B2B Index
http://www.b2bindex.co.uk (Google PR: 4)
B2B index is a UK online directory for business to business contacts. You need to put a link back to the directory in order to get listed.

applegate
http://www.applegate.co.uk (Google PR: 5)
Applegate is a B2B online directory for UK businesses and suppliers. It lists over 8.7 million products and services from more than 380,000 companies.

approved business
approvedbusiness.co.uk (Google PR: 3)Approved business is a UK B2Bmarketplace and directory with over 55,000 listed businesses.

All In London
allinlondon.co.uk/directory (Google PR: 4)All In London is a London-specific directory for retail businesses, restaurants and shops.

118 118
http://www.118.com (Google PR: 5)
118.com is the online business and address directory of the well-known 118 118 phone help line.

192.com
http://www.192.com (Google PR: 7)Search for people, businesses and places at 192.com. Companies get automatically listed but it is advisable to claim your own company’s profile and add information such as telephone numbers and website links.

IMPORTANT TIPS FOR BUSINESS DIRECTORIES

Nothing comes for free in life.

• Some business directories might ask you to link back to them in exchange, which is generally known as a reciprocal link. Only do this if you genuinely feel that it is worth it. Linking to “dodgy” websites can harm your ranking in search engine results.
• Other business directories ask you for a payment to get listed or to get an enhanced listing. In most cases this is not really worth it and a standard listing is just fine. Only pay if you really think that it will pay back.
• You will start receiving some sales phone calls from large business directories and their highly skilled sales personnel. These sales people will tell you anything to sell their premium listings. Generally speaking it is not worth it and unless you have a very very good reason for it, never ever pay.