Have you been past a shop that gave you a certain vibe? Felt like it was going out of its way to deter you from going in? Did it seem dingy or uninviting? These are perfect examples of stores where the owners either have not taken pride in their store’s appearance or simply haven’t had the cash to make it look pretty. Here’s how to avoid a similar fate. [Read more…]
When accidents occur, we often struggle to determine what it was that may have caused the unfortunate event. We tend to brush off most accidents as being ‘unfortunate’ and nothing more and even sometimes relate the incident to God himself.
If you’ve got kids, you’ll be very familiar with their natural curiosity. In today’s age, kids also grow up around computers and they certainly know their way around the internet. And while the internet can be a lot of fun for kids, and actually teach them one or two valuable lessons along the way, safety always has to come first. After all, who hasn’t heard the horror stories about the kid who found their mother’s credit card, and spent £20,000 investing in small businesses on a crowdfunding website?
Alright, alright, that one probably didn’t quite happen that way – though who knows, kids can get very creative when they’re bored. But even if it’s quite unlikely that your children will invest in the newest astrology app, them surfing the web is often not one of parents’ favourite activities for kids. After all, the internet can be full of traps for kids and distracted parents to fall into – but don’t worry, that’s why we’ve compiled a guide to digital safety for kids.
Make sure to keep your credit card details safe. Your children shouldn’t have access to them – if they ask you why, explain them the dangers of credit card details getting into the wrong hands. Make it clear to them that it’s not that you don’t trust them (though you might not if they’ve been eyeing the newest PlayStation for a while now), but that it’s more of a general safety precaution.
If your kids want to purchase something online, make sure to not only buy it for them, but tell them a bit about the process too, and everything they should check to see if the site is providing a secure connection for financial transaction. This also shows your kids that you’re taking this seriously, and probably would notice if they went on a crazy shopping spree online.
Talking about credit cards, explain to your children how they work – that they don’t provide you with free money, but that you always have to pay your bill at the end of every month. They might be deeply disappointed to learn that credit cards don’t simply give you things for free, but after all, some dreams simply have to be disturbed.
To keep your kid from buying expensive apps for iPhone and tablets and falling for costly in-app purchases, make sure to never share your password with your kids, and change the settings so that every purchase will require a password immediately. We’ve all heard about the kid who went crazy buying virtual toys and animals in an IPhone game, and we’d prefer it if that wasn’t ours.
Tell your kids to never post any personal information online – your address and number do not belong on the internet under any circumstances, since they can never be sure who they are talking online. Safety comes first on the internet, and telling someone they don’t know intimate details online is almost like talking to a complete stranger on the street – a no-go.
The same goes for pictures or videos – tell your kids to be very careful who they share things with, since you don’t want random people to be able to download their picture. Of course this is tricky in the age of social media, but it’s a good approach to take with very young children who don’t quite understand the internet yet.
And last but not least, another important thing to teach kids online is that their passwords are just like house keys, opening doors to their online lives – and since they wouldn’t give their keys to random strangers on the internet, they should look after their passwords in the same way. Also start telling them all about the power of a safe password – while they might find it easier to remember their cat’s name, it’s worth creating a number-letter combination that is slightly more elaborate.
Planning the most magical day of your life is a wonderful experience, but it comes at a high premium. If you add up the average cost of a wedding in the UK it comes to a staggering £21,000 – and that doesn’t even include the rings. But don’t worry – we’ve got some top money saving tips to help you get the wedding of your dreams without having to worry about the stresses of starting your married life in debt.
Plan a wedding budget
As soon as you set foot in a wedding fair you’ll see how easy it is to get carried away preparing for your fairy-tale wedding. Start your wedding preparations by writing out a wedding budget that takes in every last detail, from catering and drinks to photography, wedding favours, accessories and gifts for the bridesmaids and the best man. Try to keep your wedding budget as realistic as you can and leave some contingency for the inevitable impulse buys along the way!
Negotiate the best deals
Another top money saving tip for your wedding is to practise your negotiation skills! While many hotels or stately homes only work within set deals that include catering and drinks, some venues will let you choose your own caterers which will give you the chance to shop around and get the very best deals. If wine isn’t included in a venue package, consider taking a trip across the channel to France and stock up on some cheap bottles for your wedding celebrations. Photographers and florists are often prepared to negotiate their prices, particularly if you’re opting for a date in February or March where they might not have any other bookings. Quite simply, if you don’t ask, you don’t get – so negotiating the best deals is always worth a try!
Go vintage for your special day
Vintage wedding themes are definitely on trend at the moment and also offer a fantastic way to keep costs down in style. Your vintage theme can be carried through your entire wedding day, from your dress, shoes and accessories to wedding favours and table centrepieces. Avoid vintage wedding fairs where prices will be sky high, and concentrate on finding vintage bargains in second-hand shops or antique centres for the best deals. You could even get together with friends and family and make your own vintage centrepieces or wedding favours using lace decorations or painting flowery jugs. The vintage wedding theme is also perfect for homemade wedding invitations and thank you cards after the big event.
Your wedding day is one of the most special days of your life, and you’ll want it to be an unforgettable celebration of your love for each other. But there’s really no need to overspend and start your married life off in crippling debt; with a realistic budget, good negotiation and a little help from your friends you can have the wedding day of your dreams without breaking the bank.
You might have recently sat down, looked at your financial situation and figured that the only way out of the financial mess you are in is to file for bankruptcy. However you might be trying to find another way out that does not involve filing for bankruptcy because you have heard that it is difficult to regain your good credit history again. Well the good news is that you will be able to reestablish your credit after bankruptcy and it is easier and faster than you might think. This article will show you how to do it and do it the right way.
Obtain A Credit Card
Once you have filed for bankruptcy and it has been discharged the first this thing you should do is try to obtain a credit card. This might be easier than you think it is and you might even get lucky enough to find a credit card company that is willing to give you a card that is unsecured. Of course it will have a low credit limit attached to it. You will be surprised at how much having a new credit card in your name will make a difference on your credit report. Of course you will also need to make the payments on time to make this work.
Secured Line Of Credit
Once you have obtained the credit card your next step to repair your credit is to obtain a secured line of credit. There are many different stores that will do this for purchases such as home good, electronics, or other items. Once you start making your payments this account will also be reported to the credit bureaus and you will start earning good credit.
If you are interested in a car loan to help rebuild your credit history you will need to wait at least a year of starting to rebuild your credit to even be considered for a car loan. Once that year is up you will probably be able to obtain this type of a loan but it will cost you in the interest rate. This is because you will be considered a high-risk borrower the interest rate will be extremely high.
Home Mortgage Loan
In order to be considered for a home mortgage loan after bankruptcy you will probably need to wait at least two years before you even think about buying a new home. Even then your interest rate will be higher than that of someone who does not have a bankruptcy on his or her records. However if you keep your payments current you could soon qualify for a refinance of your home loan and get a better interest rate. This can usually be done about two years after you close on your first mortgage loan.
The common myth of having to wait for years once your bankruptcy has been discharged before you start to rebuild your credit is just that. It is a myth that needs to be broken. There are many ways that you can rebuild your credit without causing more trouble. In fact the sooner you start the better it will be for you.
This article is provided by http://www.islandblogging.co.uk
If there’s one thing I know nothing about it’s car mechanics. My boyfriend calls me a “raging feminist” and a “beautiful bra-burner” (incredibly offensive labels that I’m well-practised in not rising to), but if there’s one area I remain stereotypically ignorant in it’s cars.
I don’t care what they look like, I’m not interested in how fast they can go, whether they have this fancy thing or that gadget. All that matters to me is whether it can get me from A to B efficiently (now fuel consumption IS something I’m bothered about!).
However, I am heavily reliant on my car, and being without it can be a major pain in the rear end. My cam belt snapped last year (we can put a man on the moon but still have cars with cam belts that snap? Really?) and, besides the huge amount of money it cost to get my little Peugeot back on the road it caused massive upheaval. When you’re a working mum living in a small village without great transport links you’re pretty much screwed if something happens to your vehicle. Imagine a bird with no wings, to be poetic/cliched.
Which is why, despite my lazy ignorance when it comes to car mechanics, I do make a big effort to maintain my car and keep it in as good a condition as possible. I get it serviced yearly at a reputable garage, and check the oil and water levels as often as I remember (let’s skip over the story of me putting oil in the water tank the first time – my only saving grace here is that I realised as I was screwing the cap back on and so didn’t turn the engine on!).
MOTs: It Pays to Know Your Stuff!
In all honesty, MOTs used to scare me. There’s nothing worse than putting your trust in someone who, from countless TV exposes, have gained a bad rep for ripping people off. Like dentists and vets, mechanics can tell you anything and you’d be none the wiser.
Thankfully, I use a garage now that I trust completely not to take advantage of my ignorance, but not everyone is quite as lucky, and so I’ve stolen, courtesy of Motor Parks, a handy infographic detailing exactly what is checked in an MOT, so if any garage starts harping on about anything outside what is required by law to be checked you’re well within your right to start asking questions!
If you complete any of the checks below and you know there’s a problem and your car’s likely to fail, it’s worth spending a little time calling around a few garages to get some quotes on the work your car needs doing. It’s all well and good getting a great deal on the initial MOT, but if you know your car will need some repairs, it could save you money pricing this up in advance.
This article is provided by http://www.macnewbie.co.uk
Selling Your Gold for Scrap Value
For a lot of people there comes a time in their lives when they are short of money, for whatever reason. If you find yourself in a situation like this and you have old Gold, or broken jewellery lying around, then you can easily sell this and make yourself some quick money. There are many different ways of selling your unwanted gold jewellery, with some being better than others, as well as also being more profitable. The first thing that you will need to do is learn about selling Gold scrap, to make sure that you get a fair price for the Gold that you are looking to sell.
The Value of Your Gold
When you are looking to sell Gold to a company that buys old Gold, you are only going to get what is called the scrap value, for the Gold that you sell. This price changes daily with the price of Gold on the commodities market. So before taking your Gold anywhere in an attempt to sell it, you will need to educate yourself on the price of Gold and how the market works. This information is vital in order to make sure that you get the best possible deal for your scrap Gold. There are many places that you can sell your Gold and the best one for you is going to be determined on how quickly you need money, and how much you are prepared to let it go for.
Pawn Shops and Jewellers
When you visit a Jewellers or a Pawn Shop to sell your Gold, you will usually be able to get a fair price for what you are looking to sell. As long as you agree to the price offered, you can also get your hands on the money very quickly. You will find slight differences between what is offered, so it is always worth your while in speaking to as many shops as possible and seeing which one offers you the best quote. As previously mentioned, visiting these shops armed with some knowledge which includes the current price of Gold, is a good way to ensure that you get the fairest price possible. A little knowledge can go a long way and also show the proprietor that he will not be able to get away with giving you an unfair price for your gold.
Mail Order Gold Buyers
You may see many adverts on TV and in print media that states they will buy all of your scrap Gold from you. You tend to find that these types of companies give you very low prices for your Gold, often at much less than the market value. With these types of company you send your Gold to the in the Post, so it is not even a quick method of turning your scrap gold into Cash. The truth is that these types of business are best avoided at all costs, as they are out to make a lot of money at their customer’s expense.
If you have some old jewellery that you are looking to sell and want the best possible price for it that you can get, then private sale can often be the best idea, although not always the quickest.
- Classifieds in Print Media
- Online Classifieds
- Auction Websites such as ebay
- Social Media
If you have a good piece of jewellery then people may be willing to pay a little more for an item of jewellery that they like, which means you may get better than scrap value for it. Of course, you are unlikely to be able to sell scrap Gold such as Dentures and Gold Teeth using this method. With a bit of looking around and also a little knowledge, you are going to be able to sell your scrap gold at the best possible price, and get yourself some quick money.