Here financial Update Kevin (or Kev for Short) will bring you all the latest finance advice from around the world!
We are all currently living in a world that is ever tougher financially. The economic climate is making it harder and harder for us to find jobs. Those of us that do have jobs are finding that living costs are increasing whilst wages are staying the same; this means that it is ever hard to keep afloat. This is due to the fact that ever more highly skilled people are willing to do the same job for less money as they want to make sure that they are employed. Even thought that all this is true due to the current economic vibe, we should still try and make time and save enough money for the little things in life.
It doesn’t matter what our, hobbies, vices or pleasures are, we should always make sure that our world isn’t dominated by work, so here are some tips on how to make sure that we have some money left over by the end of the month so that we can do the things that we like:
-Prepare lunches at home rather than purchasing them.
-Use a thermos rather than purchasing a coffee on a daily basis.
-Carpool to cut fuel costs by the number of people that you get involved.
-if you use public transport buy monthly passes rather than daily ones.
-try to get a cheaper phone contract.
-make sure that you don’t have any direct debits or standing orders that you no longer need.
-Ask your boss for a raise if you believe you deserve one.
-make sure that you do one large monthly shop rather than lots of little ones at smaller more expensive stores.
-try and get a more fuel efficient car so that your monthly petrol bill is reduced.
-use comparison websites and voucher websites in order to get a better deal.
If you can think of any more, why not add them in the comments.Read More
Have you ever wondered how bad your country’s debt crisis really is? have you ever wondered where the money is coming from or where it is going to? Have you ever wondered who is to blame? Or has 0it ever crossed your mind how we compare to the other big countries out there?
Well majestic people of the united kingdom, this infographic accurately breaks al of that down into easy simple to read and understand chunks, just so that you know what is going on!
Apparently the UK on average borrows over 5 grand per second. Yes this is going on right now as we speak! and just look at everything that we could buy with all of the UK’s debt! other 2.7 million double decker buses or over one thousand Buckingham palaces!
Please feel free to share this to help raise awareness of the problems that we are facing!Read More
In a world where money is ever tighter, we have to be careful what we do with our money. Money might be tight for many reasons, we may have difficulty finding a job, a partner may have been laid off, or our wage is not quite what we would like it to be. At the same time however it is okay for pretty much everyone to have a vice. Some people spend hundreds of pounds following their sports team around the country and some of us decide to put our faith in our sports teams through the medium of betting.
There is nothing to say that we should not do so strategically however. In a previous post on financial update, we looked at how having fun with betting can also earn you some money, but if you do it more religiously, and study your bets more strategically rather than using blind faith, it turns out that you can make quite a profit. One example of where an experienced team of individuals have done their research and now offer a great sports book service is mytopsportsbooks.com or MTS for short. MTS is renowned for being one the most informed sports books online as their staff have over a decade of experience in the matter.
Although not everyone always wins when it comes to gambling, you do have to consider the best case scenarios, like those talked about here on AOL money. Kevin Donovan had the following to say about the matter: “gambling has been around since people had something worth gambling, this is the true testament to the fact that people have turned this art into an actual career, this can be seen by the fact that there are professional poker players who are paid very well for being good at their job, if however you do have any questions about gambling awareness I would recommend learning more about it before taking large risks”.Read More
We are often found short changed in this day and age but when we need a new car we need a new car. That is the be all and end all of the discussion. It really doesn’t matter what your reason is, you may have to buy a new one because your old one is broken or not worth repairing, you may have to buy a new one because you need to look professional in a new job but if you need one then you have to manage to finance it on relatively short notice.
Assuming you don’t have enough money to buy a car outright, you might want to think about getting as much money together as possible so that you can pay as possible deposit. This will lower what you have to pay monthly by a considerable amount. It is also worth saving for your insurance so that you can pay it into a single payment rather than monthly chunks as this will be cheaper.
Start by trying to get a finance deal from which ever company is selling the car, often (subject to your status) you will be able to get a finance deal with zero APR on new cars or approved cars from reputable dealers, however these require you to go through extensive credit checks and often require you to pay a minimum amount of deposit.
If your car dealership won’t offer you credit, you should try your bank. This will definitely have interest on it, but often will be better than the high street competition or other online lenders such as payday loans. Also if you go to your bank, the application process will be a lot quicker as they will already have most or all of your details on file. Furthermore if for any reason you fail to pass a credit check with them, they will be more sympathetic when you explain your situation.
in this day and age, there really shouldn’t be anything preventing you from trying online banking. Yes I agree that in the past there have been quite a few stories of fraud that have left quite a few people out of pocket, but in this day and age there really is no excuse.
For starters everything about your account is so insured that you would never have to worry about getting any money that was stolen back. Although it can be an inconvenience at worst, but the banks really have done everything possible as far as reassuring its customer when it comes to online banking.
Not only is absolutely every thing insured, there are a massive array of safety measures. in this day and age it quite frankly comes down to common sense. Identity theft can be done through some other channel just as much as online banking so you might just as well hop on the band wagon and join up with this ever evolving technical world that we live in!Read More
Technology moves at a rapid rate, and the products and materials being produced today really do amaze. Google Glass is one such example, a pair of wearable glasses which take data and put it right in front of your eyes. A camera, display screen and touchpad are built into the frames of the glasses, meaning you have all the features of a computer or smartphone, in a wearable form. Think you’re ready to sell your htc desire hd phone, and upgrade to this innovative new device? Check out our guide before shelling out…
What is it?
The data available using Google Glass is intended to be easily seen and accessed, without obstructing your vision. You can control what you see by using the touchpad on the frame, or instructing the device using your voice, as there is also a built-in microphone.
What are the features?
Like a smartphone or computer, Google Glass has photo and video capabilities, meaning you can conference call your friends or colleagues whilst on the go, without this interfering with your other activities. You can also access maps, seeing the directions in front of your eyes and following instructions in real time. Another innovative feature is the translation function, a great one for travellers. This feature will translate words which are said to the wearer, transferring them into words on the display. As well as the features available from Google, there are also apps being developed by other companies, which can be downloaded for Google Glass.
Details are sketchy as Google Glass is not widely available, though rumours are rife! It is thought that the product has a 640 x 360 display, with a battery life of around a day. There is 16GB of built-in memory, although you can store any additional files and photos on Google cloud, and sync this with the Glass device. On an aesthetic level, the Google Glass will be available in five colours – charcoal, shale, tangerine, sky and cotton, and the device itself is lightweight and robust. The developer version called Google Explorer has been sent out to the lucky consumers who signed up via Google’s website, and costs around $1,500. Fortunately, when the version available for all is released at the end of this year, the cost will be slightly lower.
What are the downsides?
You may think Google Glass sounds too good to be true, but there are downsides to this piece of kit. If you wear glasses, you would have to keep switching between your own spectacles and Google Glass. However, Google is working on versions which include prescription lenses.
There is also the issue of privacy to think about. Currently, it can be quite obvious if someone is taking pictures or video footage on their mobile phone – Google Glass is far more conspicuous.
However, these issues are relatively small compared with the futuristic capabilities of Google Glass.Read More
Many people today are still reeling from the effects of the challenges in the global economy and the various financial markets. If things were difficult financially a decade ago, things are not exactly looking that much better today. A lot of people are finding it difficult to make ends meet. And when emergency needs arise, it becomes necessary to look for alternative sources of funds to bridge the gap until the next payday. It’s a good thing that there are now instant decision loans that consumers can rely on. These loans are wise ways of meeting your emergency money needs.
Once you are absolutely certain that there is no other way you can raise funds for your emergency money needs, you can go ahead and find a lender for your instant decision loan. This kind of loan is available online and can be applied for without having to fill out lengthy forms or submit financial documents. In choosing an instant decision loan, you have to take a look at several factors.
1. Amount of loanable amount. You have to carefully think about the amount of money that you will borrow. Since this loan is a short-term loan, you have to be sure that you can repay your loan plus interest when the due date comes. The maximum loanable amount for these loans is normally smaller than other types of loans. Make sure that you only borrow the amount that you need.
2. Interest rate. This is the rate that will be used to compute for your total repayment amount. In a way, this is your cost for borrowing money. The higher the interest rate is, the more money you have to pay your lender for the privilege of being able to borrow money. It is a given that instant decision loans have higher interest rates than regular loans. Find the lender that gives you the best rate possible.
3. Penalties and additional charges. Just as in any other financial transaction, you have to read the fine print. Make sure that you know exactly what you are getting into. Find out what other fees you may be charged with. Find out too what penalties you will have to face in case you fail to pay your loan balance on your due date.
Getting an instant decision loan takes minutes to complete. Be wise about applying for this kind of loan. Take a few more minutes to consider the factors above when choosing your instant decision loan. When you have found the lender that offers you the best terms, you can go ahead and start the application procedure. Click here for more information about instant payday loans from a reliable lender. If everything is in order, you can have your money in your back account in as short as 15 minutes.Read More