Financial Products To Help You Make The Most Of Your Money

Written by Karen Bryan

It is never too late to assert control over your personal finances. There are a number of financial products that can be used to maximise the value of your personal assets, but with so many to choose from, finding the right one for you can be difficult. Below are some of the most straightforward options you can take advantage of.

Interest-Free Balance Transfer Credit Card

A credit card that offers a 0% balance transfer is a great way of reducing some of your existing debts. You can transfer existing debts to the credit card, which will not charge you any interest on the debt. This gives you some breathing space to tackle it.

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Best Online Loans for Bad Credit

Written by Karen Bryan

There were days when a poor credit score could prevent you from getting even the smallest loan in the market. Today, the lending market has become more diverse thanks to the advent and growth of online lending marketplace. In fact, this surge has led to an influx of non-bank lenders and opportunity to easily access different types of online loans.

Know the Best Online Loans for Bad Credit

The money lending industry is full of money lenders competing for the available borrowers these days. In fact, lenders are willing to take the risk and offer loans to those with a bad credit history. This is a risk many traditional lenders could not dare to take.

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4 Money Management Tips Small Business Owners Need to Know

Written by Karen Bryan

Managing money effectively is one of the biggest challenges facing any new business owner. A business’s earliest days are its most vulnerable, and surviving them requires careful financial planning. Below are 4 money management tips for helping small business owners to manage their money more efficiently.

Separate Business and Personal Expenses

When you are just starting out with a new business venture, there is often a lot of overlap between your personal and professional finances. Separating both of these out should be a top priority for you as it will make managing your available money much easier. Most new business owners will need to wait a few years before they can withdraw a full salary from their new business. During this period, you will need to know how to set up your own system for distinguishing between personal and business funds.

The more you can separate the two, the better. For example, it is not a bad idea to open separate bank accounts, use separate credit cards, and ensure that any loans you take out for the business are business loans, not personal ones. When the time comes to hire an accountant to handle your money for you, they will thank you for having kept these two separate.

Negotiate on Every Deal That You Make

No matter how large or small and expenditure is, you should always see if there is room to negotiate on the price. You would be surprised how much money you might be able to save just by asking many of the other businesses that you deal with will be thinking on a long-term basis. If you have already established a relationship with them, the chances of a discount are much greater.

Be Careful with Your Accounting

Hiring a dedicated bookkeeper or accountant is the most surefire way of keeping all of your business accounts in order. However, this isn’t a viable option for many new businesses, meaning that they have to manage their own accounts. Having the right accounting software in place will make a real difference here.

Whenever you need to acquire software for your business, you should be shopping around for the best option at the best price for your business. PieSync has lots of very helpful comparison articles on its website, including an in-depth look at the accounting tools Quickbooks and Freshbooks, two of the most popular choices on the market today. Their blog is worth checking out whenever you are buying new business software.

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Tips for Owning Your First Car

Written by Karen Bryan

You will always remember your first car, so it’s important that you choose one that is perfect for you. There are so many options available, so doing your research is key. Find out exactly what you need and want from your car before you start looking for one. Here are some tips on finding a car that is cheap to run and reliable:

New or Used

The first thing to think about is whether to buy a new or used car. Obviously, used cars cost less money than new cars. Buying a used car could save you around 30-40% of the cost after a three-year period. However, it’s not all good news. Older cars usually have a shorter warranty, so this is defnitely something to think about before deciding. If you are looking for finance for your car, then you may find you get offered a better deal when purchasing a new car than used, too.

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The Best States to Save on American College Debts

Written by Karen Bryan

American student debt is a hot topic nowadays. For many graduates, student debt is one of the most troubling things about college, and it follows students for many years after graduating. If you’re planning to go to school in America, it’s important that you learn how to mitigate your debt. One of the best methods is by reviewing this state-by-state analysis of student debt.

Percentage of Students Graduating With Debt

First, it’s important to determine the likelihood that you’ll have debt when you graduate. Even if a state has a high average student debt, it might be worth it to try if it has a lower percentage of students graduating with debt. Usually that means there are more social services and other debt options.

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Ultimate Guide Regarding Individual Voluntary Agreement (IVA)

Written by Karen Bryan

Are you fed up of your debt and want some solution for it but does not know perfect debt solution? If yes, then congratulations! You are at the right place. We will let you know the effective debt solution. It is none other than IVA, which is referred to as individual voluntary agreement. With the IVA help and advice, you can easily bring facilitation and relaxation in your life.

What Is an IVA?

Do not need to explore here and there to know what actually the IVA is! It is a marvelous agreement that is being signed between the creditor and you. In this legal agreement, you are legally allowed to deal for your debt at a reasonable price. It can help you financially to provide a solution to your debt issues. You are not bound to pay the debt all at once but can pay it in installments.

Get better control of your assets through the individual voluntary agreement. It would amazingly save you from bankruptcy.

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How You Can Make Money From Home By Starting Your Own Online Store

Written by Karen Bryan

Starting your own online store is now easier than ever before. Up until now those who wanted to make some extra money by selling goods online have had numerous challenges facing them. Inventory requirements, storage, the complication of selling to the public, and the upfront investment required, to name just a few.

Now, however, those worries are a thing of the past. Thanks to companies like it’s now so simple to start your own online store and start selling around the world, that you can do it from the comfort of your own home. The best part? You don’t need a penny to get started.

A drop-shipping revolution

Starting your online store is so simple thanks to drop-shipping. What is it? It’s simple – you have your online store, which is connected to a fulfilment partner. Your fulfilment partner stores your goods for you. When an order is made, they will package and ship your order on your behalf. It couldn’t be easier!

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Amazing Ways to Save Money on Your Next Family Campervan Holiday

Written by Karen Bryan

What family doesn’t look forward to that annual holiday away from work, school and all the mundane tasks of everyday life? If you are trying to plan a super exciting holiday for the family, there are some ways to make it the most exciting ever, even on limited funds. Let’s take a look at where you can save some money so that you have more to spend with the kids.

A Word on Avoiding Hotels

Yes, it’s lovely to think about staying in a posh hotel by the beach where you can get room service and you don’t have to clean up much because there are maids on staff. However, you pay for those amenities and if you are trying to plan a fabulous holiday without spending your life’s savings, why not take the campervan this year? In fact, taking a road trip around the UK in a campervan will probably appeal to the kids (and the husband!) more than you can imagine.

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17 Ways Bay Area Property Owners Can Save Money

Written by Karen Bryan

Everyone knows that living in the Bay Area can be fairly expensive in comparison to other areas of California and the rest of the country. Despite the fact that the median home price across the region’s nine counties declined in 2019 for the first time in 7 years, that figure is still at $830,000, which is considerably higher than the national average of $226,000. Of course, homes aren’t the only things that cost more in the Bay Area, as all products and services tend to come at higher prices. With such a costly lifestyle to keep up with, it makes sense that Bay Area property owners would be looking to reduce expenditure in the following 17 reasonable and sustainable ways:

1. Install a Solar Panel System

While the cost of installing a solar panel system represents a significant upfront investment, the long-term savings will more than pay off. Most homeowners will recoup their investment within 5-8 years and after that your property will have access to free energy indefinitely. Most solar panels can last anywhere from 25-50+ years without requiring any form of maintenance, so you’re looking at about 5 decades of expense-free energy.

Leading solar providers in San Jose and other Bay Area cities often provide warranties that cover you from having to pay for premature maintenance. For example, Semper Solaris provides American-made solar panels that are backed by a 50-year Platinum protection warranty. They’re ranked as one of the best solar power companies in Sacramento, San Francisco, Los Angeles, and numerous other cities throughout California.

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Can You Put a Private Plate on a Lease Car?

Written by Karen Bryan

If you want to buy a private number plate and put it on a lease car then this is possible, and it’s a fairly simple process. It does come with some procedures and paperwork, but as long as you follow the regulations, you should find putting the number plate on a lease vehicle quite easy.

In this day and age, more and more of us have lease cars and private number plates, so it is important that the two can combine. Experts in the motoring field predict that there will be very few people that own their own vehicle in 10 years-time. This is due to the wide variation of options when it comes to cars and the desire for a new one every few years.

If you are unsure of how to place your private plate onto your lease vehicle, then we’ve come up with a comprehensive guide on how to.

How to put a private plate on a lease car

  1. Purchase a private number plate
  2. Fill in the ‘Nominee Details’ on the V778 Retention Document
  3. Send the Retention Document to the DVLA
  4. Assign the private plate to a lease vehicle
  5. At the end of the contract, remove the plate

!. Purchase a private number plate

Before you consider putting the plate onto a lease vehicle you need to purchase a private number plate. You can buy a private plate on a website that buys and sells used plate, via the DVLA website or at an auction, or through an independent website. No matter which option you take, you will need to bring the required documentation with you. These documents must show proof of your name and address, as well as the documents to prove that you can purchase the plate.

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