Quite recently Bank of Nova Scotia sent me a booklet of their new charges. Congrats to them. Well, my Gold Card fee is up by 15 dollars. Time pemitting I will try and get a copy of the previous charges and do some comparisons.
For example, it would be useful to consumers to know which fees have gone up and by how much.
Anyone want to contribute in this area? Post to this blog and/or email me at : caritel@hallamhope.com.
It's the foundation for a programme on my consumer site : www.ustream.tv/caritel.
The other observation is that interest rates are going down.
This is good and bad, since it should mean lower lending rates which people who wish to refurbish their homes or maybe add that extra apartment to increase their income could benefit from.
I am not an economist, but the move could also lead to more spending on needless consumer items, which is good for the banks but I personally think bad for the economy. This at a time when he need to guard against having mauby pockets and champaine tastes - and spending habits.
The other concern is that lower interest rates means lower returns and less incentive for the folk who have a few pennies to put in an investment income. I.e lower rates equal lower income.
So where do we go? Yes, invest, but the cost of investment as a result of the soaring increases in the cost of living limit what we can invest in.
Anyone for group investments?
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10 comments:
REally....Interest rates going down.....I would wait if I were everyone to see if the Banks actually send down their loan rates and if they do by how much.
OF course they all will send down their savings rates in a hurry!!!!!!
And when are our media houses..both print and broadcast stop bringing these types of stories by just repeating what the central bank governor or whoever says.
The man in the street is no better off by this type of reporting..The 5.30 news on vob had me all mixed up!!!!!
The business community in Barbados is reeling from all types of increases in charges for all types of services. I therefore am not able to see the proposed lowering of bank loan rates as something to shout about at this time. It will not impact immediately on my cash flow as the .50 percentage point movement will only result in a 50 dollar or so saving in a month.
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