An emergency fund or rainy day fund can help you weather those tough financial times. The pandemic has certainly highlighted the importance of having some money tucked away. But how do you know when you have enough?

In an effort to encourage financial fitness in its customers, HSBC did a survey and found that 80% of respondents had an emergency fund. While this is great news, it doesn’t answer the question of how much is enough.

The three-month rule of thumb

It’s likely that you’ve heard the three-month rule in terms of setting up your emergency savings. Essentially, this means having an emergency fund big enough to cover three months’ of living expenses. Some experts push that to six months for those whose income isn’t stable, such as commission-earners, seasonal workers and the self-employed.

So if your living expenses come in at £1,000 per month, you should ideally have … Read more

Tiffany & Co.’s campaign embodies the beauty of love through time and all its diverse facets, forging a new vision of love today

Tiffany & Co. has that powerhouse couple Beyoncé and JAY-Z will star in its latest campaign celebrating modern love. Synonymous with the world’s greatest love stories since 1837, Tiffany’s debut of “ABOUT LOVE” marks the latest evolution of the luxury jeweller’s new creative direction. The campaign is the result of close collaboration and a shared vision between both the Carters and Tiffany & Co.

“Beyoncé and JAY-Z are the epitome of the modern love story. As a brand that has always stood for love, strength and self-expression, we could not think of a more iconic couple that better represents Tiffany’s values. We are honoured to have the Carters as a part of the Tiffany family,” said Alexandre Arnault, Executive Vice President of Product & Communications.

For the … Read more

The world needs nonprofits now more than ever. Organisations across the world are responding to the devastating pandemic by using everything at their disposal to make lasting change in their communities, and Giving Tuesday offers a significant fundraising opportunity for the sector to recruit new supporters and volunteers.

Giving Tuesday — now a primarily digital-first giving movement — is a great opportunity for nonprofits to engage with current and new supporters using a multi-channel digital marketing mix. Last year, in the U.K. alone, over £20m was donated to good causes for Giving Tuesday, a 43% increase in giving from 2019 — that’s more than £14k every minute!

Giving Tuesday offers opportunities for every organisation, large or small. Of course, there is a concern about ‘cutting through the noise’ in a crowded marketplace, so in this blog we aim to offer you some best practice tips to make the most … Read more

The Lloyds Banking Group (LSE: LLOY) share price has risen by a healthy 53% over the last 12 months. But UK-focused rivals Natwest Group and Barclays have done better, gaining 87% and 63% respectively.

Lloyds looks cheap to me and offers a tempting 5% dividend yield — more than rivals. Should I snap up this high-yield favourite for my income portfolio — or is there a reason why the bank’s shares are lagging behind? I’ve been taking a fresh look.

What’s inside Lloyds?

Lloyds is one of the biggest providers of everyday banking services to consumers and businesses in the UK. As the owner of brands including Halifax and Bank of Scotland, Lloyds is also the UK’s biggest mortgage lender.

Less obviously, Lloyds is one of the UK’s largest providers of motor finance and leasing (Black Horse and Lex Autolease), credit cards (MBNA) and retirement products (Scottish Widows).

Unlike Barclays … Read more

Company8 Signal
OwnerRuben Aguirre
TypeDigital Marketing Agency for Non-Profits, Healthcare, Real Estate, and Service Based Businesses.
Company SummaryWork can be consuming, but you can still make a difference.  With 8 SIGNAL your marketing can be laser-focused, giving you the time to be the influence your community needs.

You’ve probably heard the seemingly, age-old phrase that entrepreneurship is lonely.

But hearing it is a lot different than feeling it. Entrepreneurs tell you to prepare for challenges, hardships that make you question why you started and not feeling like you relate to the people you used to. It’s not until you’re in the thick of things that you realize—this is a lonely path.

A million-dollar marketing agency is all fun and games until you hit a speed pump (or a tire popping flat hole) that leaves you stress eating Chips A’Hoy cookies at 9 am. Getting yourself back … Read more