Market Timing and it’s Importance in Investing and Trading

This week we’re taking a look at a concept known as Market Timing, a crucial skill needed to maximise your gains when trading. Market Timing is essentially learning the behavioral traits and tricks of the market, which naturally (with enough dedication and commitment), you’d learn over time yourself. But to save you the trouble, we’ve…
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Reader’s Submission:- What is Universal Basic Income?

*please note that any opinions expressed in this article may not reflect those of the* *3MoneyTalk team* In recent times, the idea of a ‘Universal Basic Income (UBI)’ being adopted throughout the world’s developed economies has gained traction, with prominent Democrat presidential nominee Andrew Yang being one of those to call for its implementation. But…
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Balance Transfer Credit Cards – What Are They?

In short, balance transfer credit cards can be a great way to pay off your debt and save a ton of money. If you’re struggling to pay off your credit card debt, a 0% balance transfer credit card may be the answer to (some of) your prayers.  Balance Transfer Credit Card If this is the…
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Credit Cards – The Benefits

Ah… credit cards – often seen as an evil bit of plastic to many, yet everyone uses them. But how does this actually stack up? We either know someone who thinks (or even think ourselves) that credit cards are inherently bad and can only lead to debt. Moreover, there’s the belief that credit cards are…
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Paying Off Debt With Savings – Is It Worth it?

Most people would prefer to keep savings or continue, to pay into savings, rather than service their own debt. I’m not talking about paying into an emergency fund, but actually having money in a normal savings accounts, earning little to no interest. This may be alongside paying a higher interest rate in debt than they’re…
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A Beginners Guide to… Buying a House

Buying a house is often one of the largest and most stressful purchases you will ever make. Luckily for you, we have produced a guide to all the standout basics that will get you to signing that dotted line. We’ll start by outlining the buying process, and then go into further depth through the following…
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Spread betting – Tax free trading?!

Following on from last week’s introductory article on swing trading (which can be found here in case you missed it!), today’s article centers on a rather grey area of trading; the practice known as spread betting. Is it even trading? How does it work? We’ll answer all that soon, but the main thing you need…
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Emergency Fund – Why it’s Important?

An emergency fund is exactly what it says on the tin – it’s an EMERGENCY fund. For emergencies. It’s money you put away for a rainy day, whether that be in case your roof has literally collapsed, your car has decided to break down, or you have lost your job. It should not be touched…
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Savings: Making Your Spare Cash Work For You

With interest rates at an all time low in the UK, and some countries like Switzerland even having negative rates, it’s often hard to find a good high-yield savings account on the market. Most banks have slashed their rates down to around 0.1%, and saving has become much less lucrative than just over a decade…
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A Beginner’s Guide To… ISAs

This guide aims to get you clued up with the knowledge you need to start out in the world of saving. One of the best ways to save your money (usually) risk-free is to open what’s known as an ISA account. To do this, we’ll take you through step-by-step how they work- so let’s start…
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