If you’ve never gone to skiing the Espace Killy on holiday before, you are missing out on an experience of a lifetime. The five purpose-built villages of Tignes are situated on the perfect spot for some of the best skiing in the region – it’s no wonder that the 1992 Winter Olympics used Tignes as the venue for their freestyle skiing competition – and it’s an experience that you won’t want to miss.
So Big You Need a Guide
One of the first things you realize if you take a Tignes ski holiday is that the resort is simply enormous. First-time visitors can find themselves easily overwhelmed by the sheer extent of the place would do well to avail themselves of the complimentary ski hosting service until they get their bearings.
Wide Open Spaces
Most first-time skiers are astonished to leave their chalet in Tignes and discover the wide open spaces of the well-groomed and wide pistes. In fact, there are hardly any trees to be seen thanks to the unique geography of the region. This can be more than slightly disconcerting for someone who might have learnt to ski in an area that featured tree-lined runs, but once you feel that wind in your hair as you zoom down that piste, you’ll soon forget about your old resort in a heartbeat.
Apres Ski Relaxation
When you’re done enjoying the excitement of those pristine runs, the après ski scene in TIgnes will leave you relaxed. You’ll go to bed at your ski apartments in Tignes with a smile on your face, thanks to the cozy, intimate setting. Whether you’re looking for a quiet hole in the wall to unwind after a long day or you want something a bit more lively like a club or a bar, you’ll be able to find it without a problem.
Better than it Sounds
If there’s one thing that may not be the best part of the resort, it’s said that the accommodation in Tignes may be a bit on the dated side. However, you’ll need to judge for yourself if the apartments and chalets are to your liking or not; the best way to do that is to go to www.allchalets.com/tignes where you can find much more detailed information about all the different chalets and ski apartments in Tignes – you might be pleasantly surprised indeed!
If you’re planning your wedding, you can easily end up in situations where you feel like you’re drowning in stress and frustration because of all the work that organizing such a momentous life event takes. Between finding a venue, selecting a caterer, choosing attire for the bride, groom, and wedding party, finding an entertainment provider for your guests at the reception, and how in the world to pay for the whole thing, you’re most likely not getting much sleep.
Choosing a wedding photographer for your event is just one more thing that you’ve got to worry about, and sometimes it can end up being the straw that broke the camel’s back. However, there are things that you can do to make this particular task much less painful and exhausting: here are a few of the best ways to make finding a wedding photographer less of a chore.
Narrow Your Search
There are so many wedding photographers out there that you can positively drown under the weight of their business cards and brochures, and that makes it nearly impossible to choose one from such a massive stack. However, narrowing your search down will thin out your choices to a much more manageable level. For instance, if your wedding venue is located in South Wales, looking for a vendor that specializes in wedding photography in Swansea will leave you with fewer photographers to choose from, and when you’ve only got a handful of choices instead of dozens it’s a much less painful experience.
Rely on the Experience of Others
You’re not the first person ever to get married, though it may certainly feel like it sometimes with how isolating the experience can be. However, keep in mind that other people have indeed been in your uncomfortable shoes, and that means you can benefit from their experiences. Even if you don’t know anyone personally who can recommend a particular wedding photographer – or warn you off from one that was a poor fit for them – you can always take to the internet and read online customer reviews. In this way you can highlight one or two of your most likely candidates based on customer feedback, which takes a lot of the agony out of making a decision between photographers.
Trust Your Gut
Finally, don’t be afraid to trust your first impressions. When you initially meet with a candidate for your wedding photographer (and you absolutely should meet first), listen to your intuition: does the photographer feel like they’ll be a good fit for you? If so, they probably will be. Trusting your gut isn’t exactly scientific, but you would be surprised by how often the approach actually works.
There are many benefits of using natural gas in your home or your business. Whether you use it for your heating or cooking – or even if your local utility company uses it to generate electricity – the abundance of natural gas in North America means that there are literally millions of people living in Canada and the United States that use this rich natural resource.
However, the one thing that is a drawback when it comes to natural gas can be the price. The natural gas market fluctuates over time, and this means the price you pay for your natural gas from your supplier can sometimes be higher than you would like it to be. However, there are ways that you can reduce the amount of money you pay on natural gas; here’s one of the best ways.
The Deregulation Solution
If you’re lucky enough to live in a particular region – like Alberta, Canada for example – you can control the costs of your natural gas bill much more closely than you might think. A province like Alberta functions differently than others in that utility providers are deregulated, and what that means is that you don’t have to stick with one particular provider if you think you’re being overcharged for your natural gas.
How Deregulation Works
Back in the early 1980s, you had no choice as to who you bought your natural gas from. Wherever you lived in Alberta, there was one and only one provider, and you had could either pay them for natural gas or not get any. However, things changed after the industry was deregulated; suddenly consumers had a choice as of several Alberta Gas Providers in regards to where their natural gas came from – and from then on consumers have been able to find significant savings, as long as they choose their provider wisely.
Pick and Choose
Nowadays, deregulated natural gas providers usually offer one of two pricing plans – either a fixed rate for the length of a contract or a variable rate plan. Choosing a variable rate means the price of the natural gas you buy from your provider can fluctuate – sometimes wildly – based on market conditions. It can be a gamble but you can benefit from fantastic rates if the market price drops. Meanwhile, consumers looking for a sure thing can lock in their rate at a fixed price for several years, but this carries the risk that prices may drop significantly, leading to a consumer overpaying for a long length of time until the market changes. There is no perfect choice – it’s up to your desires as a consumer – but whichever one you decide on is your choice, not the choice of some all-powerful utility provider.
For many businesses, the future is here. Between advanced point-of-sale systems, streamlined order tracking and fulfillment over the internet, or even 3D-printing your own replacement inventory or back-office components, the 21st century is all about making things easier for both your company and your customers. However, many people overlook one of the best and most effective ways to streamline and modernize your business: investing in a document management system.
Paperless is the Way to Go
It used to be that going paperless was the kind of goal that sounded good but simply wasn’t feasible. However, technology has progressed to the point where it’s within the grasp of your company, thanks to advances in document management software programs. These highly specialized pieces of software have been developed with years of research and feedback to fully provide for the needs of all kinds of businesses or office environments from the smallest start-up to the largest corporation, and the benefits of going paperless have never been better – or more welcome.
Save Time and Money
The amount of time that staff spend on managing paperwork can be excessive, even for a relatively small-scale company. The larger the business, the even more pervasive and time-consuming the process becomes, and this leads to increased costs as you’ve got whole departments devoting the majority of their time simply wrangling with documents – and heavens forbid a piece of paperwork ends up slipping through the cracks! Investing in a document management system cuts the time needed to process and file all this paperwork by a substantial margin, as instead of staff spending time poring over document after document, noting important information on each one, and then depositing it in the recesses of some filing cabinet, each piece of paperwork is simply scanned in to the document management system, where the software does all the heavy lifting of categorizing and filing quickly and efficiently.
Security is Key
Keeping your documents and paperwork secure is always a very important goal for any company. Whether it’s the billing details of your customers –or even more important, something as serious as their medical records – you need to keep these documents as secure as you can. However, paper records can never be more secure than a simple lock on a filing cabinet. Paperless systems on the other hand offer advanced security features like user groups, password entry, and even remote backup facilities; and with each extra layer of security your company’s sensitive data gets that much safer.
There’s one thing that you need if you’re working with audio recordings, and It doesn’t matter if you’re a big shot professional audio engineer, an independent musician clawing your way to the top, or you’re simply a hobbyist that likes to record your own podcasts in your basement; without an audio editor, you’re sunk. Lucky for you there’s an audio editing solution that’s perfect for you and your needs. Here’s how to choose one that’s the best for you.
You might think you need some huge, clunky recording studio filled with analog tape reels to record music or audio, but you couldn’t be more wrong. Nowadays even the biggest and baddest recording studios have gone digital, and while you can still find massive mixing boards in some places, the majority of these have been replaced with a bank of computers running very specific software known as a digital audio workstation. DAWs are commercially available at any number of price points, from the professional-grade recording and mixing software that can run into the thousands to the open-source DAW that anyone can download off the internet and install on their laptop.
A DAW with Your Name on It
There are a plethora of DAW programs out there, and you’d be hard-pressed to pick one out of a lineup as different from the others when it comes to the end product. A digital audio workstation does everything you need a good audio editor to do: cut, copy, paste, mix, splice, and whatever else you can think of, and unless you’ve got the ears of a bat you’ll never be able to tell two recordings apart based on what software was used to edit them together. That being said, there are some functions that more expensive DAW programs will offer that don’t have counterparts in low-cost or open source software versions, so it’s really up to what your needs are: if you’ve got very specific needs, you’re likely going to need a professional-level audio editor and not the kind of DAW you can get for free. On the other hand, if you’re just recording podcasts spending money on a DAW is probably going to be a waste of resources.
Don’t Forget the Rest
While picking the right DAW for your audio editing needs is incredibly important, don’t forget that you’re going to need some other things as well if you’re going to be working on audio, especially if you’re building a home studio. You’re going to need at the very least a good-quality microphone and a way to connect it to your computer if you’re recording voice audio, so don’t skimp there. Likewise you may need a quality headset or studio-grade speakers to actually hear what you’re working on!
So you’ve purchased a new income property because you’ve heard about how they can be a fantastic opportunity to make some money. You’ve taken the first step, but now you’ve got to get your new investment attracting tenants as quickly as you can; here’s some great guidelines for getting that new investment working for you as soon as possible.
Turn to the Experts
Investment opportunities that involve buying a fixer-upper and then refurbishing it to increase profitability are an excellent source of income, but only if you have the renovations performed by a qualified expert. Don’t ever try to undertake a refurb yourself if you don’t know a hammer from a hole in the ground, as you’re going to take so long to get the work done that you’ll end up having to make mortgage repayments on a vacant income property that won’t be ready for tenants for a long time.
Know Your Market
You’ve got to be able to attract tenants to your building if you want to be successful, but you need to know the market so you can price your rent accordingly. Not only that, but you also need to keep in mind that the rent you collect every month is going towards your mortgage repayments, so you have to take into account that pricing your rent too low for your market might get your building occupied quickly but not earn you enough to pay the mortgage; likewise raising the rent too high will keep tenants away, and that means you’ll have to foot the entire bill yourself. It’s a an incredibly important balancing act that you simply must master before you open those doors to tenants for the first time.
Waste No Time Getting Your Investment Insured
Even before your first tenant moves in, you need to make sure your investment is insured against any and all eventualities. Since it’s difficult to secure a landlord insurance policy that’s got all the cover you need at a good price, your best bet is to visit a comparison website like UK Landlord Insurance.com to expedite the process. Comparison sites are designed specifically to save you time and money, as you simply furnish the site with some personal details and you’ll receive not just one or two quotes but quite a few in moments. You can then look over each in turn to compare the level of cover they’re offering you versus the price of the cover, making the decision a quick and easy one – and paving the way for you to welcome that new tenant immediately.
It’s hard to lose weight if you’ve gotten out of shape. It takes a massive level of dedication, as you’ve got to engage in regular exercise and consistently practice healthy eating habits if you want to just keep at a healthy weight, let alone lose those excess pounds; it’s a highly demanding goal and many people wish that there would be a simpler way. Many diet supplement manufacturers out there play on that wish, promising fantastic results if you’ll just take this pill or that one regularly. Unfortunately this isn’t always true – more often than not it’s not true at all – but there are some diet supplements out there that may make a difference.
No Overnight Success
Sadly, there’s no little red miracle pill you can take in the evening and wake up 50 pounds lighter the next day despite what some nutritional supplement companies would like you to believe. There are plenty of supplements that can and do aid you in reaching your fitness goals, but their effect is gradual and often subtle. For instance, if you decide that you want to take a naturally-sourced appetite suppressant, you may try out garcinia cambogia, but don’t expect to be feel miraculously full afterwards; garcinia cambogia does indeed blunt your hunger for many, but it still requires work on your part.
Don’t Get Taken For a Ride
Unfortunately there are a lot of snake oil salesmen out there just waiting to profit off you, and this means that there’s a lot of garbage out there that masquerades as healthy living products. The reason is that the herbal supplement market is about as regulated as the Old West, and even when you’ve got the same product offered by two different companies, the concentrations, ingredients, and manufacturing processes of each product can differ wildly. This can have some unwelcome side effects sometimes, especially when a company uses a bizarre or potentially toxic additive or filler to cut corners, so you need to do your best to make sure you’re not about to be taken for a ride by a company that’s more interested in making money off you than providing you a high quality product.
If you want to avoid being taken in by these fly-by-night supplement manufacturers, you have to essentially become a bit paranoid whenever you consider padding your health regimen by adding a supplement to it. Look for reviews from an independent third party concerning the quality of any product you’re thinking of using, and don’t be afraid to ask your family doctor if they can recommend you taking whatever supplement you’re thinking of.
No one likes the idea of giving away their products for free, but the truth is that it works, and it works well. It’s one of the best ways to build goodwill towards your brand, especially if your promotional giveaways are the same high-quality products or services that you would otherwise offer to your customers as a price: here’s why it works, and why you can’t afford to not do it.
Low Investment, High Return
It makes excellent financial sense to give away your products for free because it is might often be the least expensive marketing option open to you that offers the biggest benefit. Traditional marketing campaigns can easily cost you an arm and a leg between the expense of buying air time for a television or radio commercial, taking out large ads in local newspapers, or even paying for website traffic, but the only cost to you for giving away your products for free is the cost of the items yourself. You need not even give away your products themselves but simply high-visibility items branded with your company logo like baseball caps, t-shirts, and reusable water bottles, especially since there are so many companies out there specializing in the bulk sale of these promotional items. It’s going to cost a lot less for a few hundred bottle openers with your logo and website address than other marketing methods, and it will probably last longer too!
Your Customers need to “Win”
Nothing thrills a customer more than feeling like they got one over on a business. Shoppers love finding the best deal or the next greatest sale; if you need evidence of this just think about the way people go crazy on Black Friday for the chance to get 20% off off-brand electronics. This makes it a no-brainer to tap into this need on the part of your customers to think that they’ve gotten the best part of the deal, and giving promotional items away to your customers triggers this feeling like nothing else.
It’s a Long-Term Investment
Giving away promotional items that are highly visible – items that your customers will use many times over throughout the lifetime of the item – are the kind of long-term investment that will reap huge rewards. You might have given the item away for free and your customers may think they got the best part of that equation, but now they’ve turned into walking advertisements for your brand of products and services, often for just pennies on the dollar.
It’s almost inevitable that sometime down the road you’re going to need a new car – and you’re not going to be able to pay cash for it. This means that you’re going to have to finance your vehicle purchase. While the aspect of building up consumer debt in an economy that’s still recovering from the financial backlash of the Great Recession may seem like a poor choice, there are many advantages to financing a new vehicle. Here’s just a few.
It’s Good for When You Can’t Wait
Avoiding debt is an absolutely laudable goal, but sometimes it’s unavoidable. In the instance that your existing car suddenly develops a fatal fault that can’t be repaired – or wouldn’t be cost-effective to repair – you’re going to need a replacement vehicle in a hurry. This is especially true if you rely on your car to commute to work; you can’t exactly wait a few months to save up enough to purchase a new vehicle outright if you can’t even get to your place of employment.
However, financing a vehicle will get you back in the driver’s seat in a matter of hours in many cases. Whether it’s a personal contract purchase or a hire purchase, you can roll out of the car park, keys in hand, secure in the knowledge that you’ve got a brand-new car with you that will let you get your life back to normal that much sooner.
It’s Easier to Finance Now than Ever
Back in the not-so-distant past it was a bit of an ordeal to finance the purchase of a new car. You had to either go down to your local car dealership and schedule an appointment with their vehicle finance division or secure a loan beforehand from your bank – two very time-consuming and frankly irritating things to have to do – and it wasn’t until then that you could begin shopping for a new vehicle based on how large a loan you qualified for.
Today it’s different. Now you don’t even have to leave your home to apply for vehicle finance, as websites such as www.mylbrookvehiclefinance.co.uk feature a robust online vehicle finance application that takes the hassle out of the entire process. Now, you can choose your vehicle, select the type of finance you would prefer, and simply input some personal details and the website will come back in a moment with the terms of whatever finance it’s willing to offer you. No mess, no frustration, and certainly no embarrassment if you’re turned down.
If you’re the kind of person that knows the benefits of traveling in style wherever you go, you’ve likely thought of getting a motorhome for you and your family for those long holidays spent on the road. The sheer luxury and comfort of these purpose-built rolling hotel rooms can’t be understated, but they come with a hefty price tag; if you’re going to spend the money on a quality motorhome you need to make sure that you protect your investment, and that means making sure that you’ve got fully comprehensive insurance to keep you, your family, and all your belongings safe while you’re on the road.
There’s No Excuse for Cutting Corners
When it comes to motorhome van insurance, it’s important that you don’t cut corners. Comprehensive cover is truly the way to go, as this provides the security of knowing that you’ve got things covered if you get into a car accident, get your motorhome stolen, or even broken into and rifled through by some enterprising criminals with a better sense of taste than a sense of morality.
Not All Insurers are Created Equal
Taking out comprehensive cover is important, but it’s also just as important to select an insurer that’s going to provide you the best value for money when it comes to that insurance policy. One insurer’s “comprehensive” insurance might not offer as much cover as another’s, as insurance providers will routinely offer different packages, adding or omitting things like breakdown cover or the replacement of damaged windscreens. Likewise you need to make sure you’re not paying too much cover for too little – in order to avoid this dilemma you should consider using an insurance comparison site to check each insurance quote against the other. This will ensure you don’t get taken for a ride when all you want to do is drive off into the sunset on your next great adventure.
Other Investments to Consider
It goes further than just making sure your insurer is going to be there for you when it comes to your vehicle. Motorhomes are sadly high-profile targets for burglary and theft, which is why it’s important to make sure you take precautions to keep your vehicle safe – as well as any valuables you may have stored inside. Upgrading the locks on your motorhome is one very good idea, as is making sure you have an alarm block fitted to your vehicle as well. In the event of someone stealing your motorhome outright, you can consider having a stolen vehicle recovery system installed that will track the location of your car through satellite navigation technology, making it easy for the authorities to locate and return your motorhome before it can suffer at the hands of those dastardly thieves.
When most people think about declaring bankruptcy, there’s a high likelihood that they’re thinking of what’s called a Chapter 7 bankruptcy. That’s because it’s the most common form and the one used most often by individuals who have gotten in over their heads when it comes to unsecured debt, but Chapter 7 bankruptcy isn’t a panacea for your financial ills. There’s plenty that a Chapter 7 bankruptcy can do, but there’s still more that it can’t; here are some things you should know about it.
Wipe out that Credit Card Debt
The best thing that Chapter 7 bankruptcy can do is discharge unsecured debt, which is the kind you can accrue through credit cards. If things have gotten out of hand and you can’t even manage to pay off the minimum monthly payments on even one of your cards, much less all of them, then declaring bankruptcy is likely to be a very good idea.
Keep Creditors at Bay
One of the best things about filing for Chapter 7 bankruptcy is something called the Automatic Stay. It’s a court-mandated moratorium on any and all collection activities related to your outstanding debts, and this means that every single one of those harassing phone calls – or even more seriously, attempts to repossess personal property – are automatically halted while your bankruptcy proceedings are underway.
Have Student Loans? You’re Out of Luck
Unfortunately there are some types of debt that you’re never going to be rid of, even with a Chapter 7 bankruptcy. Student loans are one of these exceptions, unless you can prove that repayment of these student loans would place undue hardship on you. However, the threshold of meeting “undue hardship” is quite high, which means it may be very difficult to achieve; you might want to get used to paying off those student loans for quite some time.
Your Pockets Will Be Lighter
Most people filing for Chapter 7 bankruptcy don’t have much in the way of property that’s subject to seizure and sale as part of the terms of the debt discharge. However, there are many cases where a family who used to be affluent but has fallen on hard times has had to give up second cars, vacation homes, and family heirlooms in order to satisfy their creditors. There are ways to keep these pieces of non-exempt property, but sadly none of them involve filing for Chapter 7 bankruptcy.
It’s no easy task to pick and choose an accounting firm to take care of the financial needs of your business. You need to be able to find a firm that’s willing to work with you closely, one that can offer you only the very best level of service, and one that has a fee structure that is reasonable and affordable, and this can be a tall order for many smaller businesses – especially those that are hoping to grow their companies and need an outside accountant to handle matters for them. Still, even in this tumultuous landscape there are ways to find the best accounting firm for your needs; here are a few things to keep in mind.
Learn as Much as You Can About any Prospective Firm
Simply choosing the name of an accountant firm out of a proverbial hat and hoping for the best is the kind of gamble that you can’t afford to make when it comes to the health and wellbeing of your business. It may be tempting to simply go with the first accountant that comes along in order to save yourself from time, but you need to delve deep into each firm that you’re thinking of using and learning about it. The first and best place to go for information on an accounting firm is the internet, as not only can you get a good overview of each firm from their individual website – a good example of this is http://www.threesquare.ie/ – but you’ll also be able to find impartial reviews from past and present clients that can give you the lowdown as to what to expect from a particular firm and whether using them is worth it.
Make Sure the Accountant Firm can Provide You What it is You Need
It’s a sad truth but not all accounting firms are created equal. Some are more specialized than others , and while this may be a good thing if you’re in need of some very specific solutions to some pretty bad problems, but specialized knowledge and experience like that doesn’t come cheap; the fees this specialist will charge are more than likely going to be higher than those that a more generalist firm would charge. On the other hand, if you need highly specific help with the accounting side of your business but choose a firm with a strong overall approach but lacking experience in the area you need, you may be able to get a better deal on the fee but might not end up with favorable results. In order to avoid this, you need to ensure that the accounting firm you’re thinking of using has the right skillset and the requisite experience to help you.
Shopping online is one of those few pastimes that can be seen as not necessarily rewarding; there are some disadvantages, as not being able to see the products up close or having to wait for them to arrive in the mail. Despite these shortcomings, you need to know why it’s such a good idea to shop online; here are three of the best reasons.
You’re Busy – Don’t Waste Time on Things You Don’t Need To
The biggest and arguably most important role the internet plays in shopping is how much of a time-saver it is. The convenience of sitting at home and simply purchasing a few things with the click of your mouse is a true blessing for anyone who lives a hectic life filled with work, family and travel. The best part about shopping online is that you can often take in several similar products at once and hold them up against each other in search of the one that has the best features – and there are comparison sites out there that have already gathered all that important information for you, obviating the need for you to go hunting it down yourself. It’s a fantastic time saver and simply can’t be overlooked.
Save Your Money for What’s Important
Comparison websites don’t only lead to less time spent going down fruitless paths but can also routinely furnish you with the best deals you can possibly find. Saving money is an important goal in life – and keep in mind that it’s not just finding the least expensive product out there. Sometimes the cheapest thing going isn’t the best for you, as you could end up with a sub-standard product that reflects its heavily discounted price tag. On the other hand, if a brand or product is being sold at a fantastically low rate due to a sales promotion, you can indulge those champagne tastes of yours while sticking to your beer budget.
Shine the Light of Truth on the Matter
There’s nothing better than getting to the truth of the matter – and there’s no better tool for uncovering the truth than the internet. If you’re looking for what was voted the #1 electronic cigarette brand in Canada, for instance, you can turn to the internet to see what the fuss is all about. Sometimes e-cig retailers or distributors will place a bit of puffery like that on their online ads, but other times it’s absolutely real and accurate. Checking a comparison site, especially one with user reviews, can be an easy way to separate the truth from advertising and marketing fiction that all too often pervades the online retail environment.
If you’re in a tight financial spot, you wouldn’t be the first one to think that you’d be better off if you had a lump sum instead of a regular structured settlement payment. However, if you’ve ever thought “I have no idea how to sell my structured settlement payment,” you’re not alone. Luckily, the process is relatively painless; there’s a three-step process in deciding to trade in your settlement for cash, and here’s exactly what you need to do.
Decide Why You’re Selling
It’s not exactly the easiest decision in the world to sell your structured settlement. Even if it’s going to grant you some respite from an immediate financial need, you have to balance that against your long-term future needs and economic goals. If you’re thinking that you’d like to trade in your settlement for something that’s not really necessary – a nice flashy new luxury car, for example –you might not want to give in to that temptation, but on the other hand if your washer and dryer are both on the blink and it would just be better if you replaced them outright with new, efficient appliances, the decision is a bit easier to make. The key here is to make sure you’re not being frivolous; spending the money on a necessity or something that can increase your quality of life for years to come is better than blowing the cash on something ephemeral – and it will help you sleep at night with the decision.
Do a Cost-Benefit Analysis
Your next step is to decide if the benefit of selling your settlement for a cash payment outweighs the costs. You might not want to sell the rights to the entirety of your settlement – you can usually just sell off several months’ worth of payments at once in order to get the money you need, which will insure that the payments will start up again after that period of time expires. At the same time, if you’re going to need the whole thing for a particularly large expense – like college tuition for your children or putting down a sizable down payment on your first home – you’ll need to take more. As long as the benefit to you and your family outweighs the loss of that steady income, then your decision to sell is most likely going to be a very good idea.
Hunt Down a Good Buyer
There’s a large number of companies out there willing to buy a portion of your settlement – or even the whole thing. Selling requires you to offer the settlement amount at a discount to these companies, so you’re never going to get an exact one-to-one exchange for the value of your settlement. However, each of these companies differs in what terms they’re willing to accept, so you’ll need to do your research. Beware of a company that might accept a relatively modest discount, as there could easily be hidden fees and charges that might make the choice even more expensive than another one would have been. It’s your money, so make sure you spend it wisely.
It seems that the humble payday loan has received a lot of bad press in recent years. Because of this negative attention, many people think that payday loans are evil, and only serve to put poor people into the shackles of financial misery for the rest of their lives.
At the end of the day, while payday loans are not perfect, they don’t quite deserve the bad reputation that has been bestowed upon them.
If you are looking for honest advice about payday loans, then below are the pros and cons that you should take into consideration before applying.
Bad credit? No problem
Trying to get a traditional loan with bad credit is like banging your head against a brick wall. Luckily, there are no such hassles with payday loan lenders uk as they don’t mind if you have bad credit.
As long as you have regular income, a bank account, and some form of identification, then you can get a payday loan within 10 minutes on the Internet. This is very convenient, as you don’t need to leave the house or speak with a stuffy bank manager.
Do you think that payday lenders are nothing more than illegal loan sharks? Think again! In fact, the vast majority of lenders are now professional companies, who are completely legitimate and have been in business for many years.
While payday loans help to sort out short term cash flow problems, if you miss the payment deadline then your overall financial situation will become worse. The reason? Because payday loan companies pile on excessive charges to anybody who misses a payment.
Not a long term solution
While taking out a payday loan is okay maybe once or twice, when you start to rely on them every month, there is something seriously wrong with your finances. Take the time to objectively look at your long term cash flow projections, and then work out ways this can be increased.
High interest rates
Quite possible the biggest disadvantage to payday loans is the high interest rates. For example, some companies charge an annual interest rate as high as 700%, and this might severely hamper your ability to pay back the loan. Always fully understand the interest rates before you apply for a payday loan.
Hopefully, the pros and cons above have given you a more well rounded view of payday loans. Ultimately, only you can decide if a payday loan is right for your situation.
Do you enjoy owning an iPhone or other iOS device, but you’re tired of living inside the boring, cookie-cutter walled garden of Apple? Whether you’re tired of looking at that same old lock screen or if you’d just like to use your phone with any provider you’d like, there are any number of reasons why you might want to let your iPhone off the leash by jailbreaking it. Here are three of the most common ones.
You’re Tired of Your Phone Provider
Under normal circumstances, when you buy an iPhone you’re locked into a particular service carrier. Whether it’s AT&T, Verizon, or anyone else, you’re stuck using that carrier for as long as you have that phone – unless you can get iPhone unlocked. There are more than a few ways to do this, and some of them involve going to your carrier directly and begging them to do it for you. However, you can go through the whole process yourself if you jailbreak your phone, so if you’re independently minded and don’t want to have to deal with your carrier, you can easily do it yourself.
You’ve Had It with the App Store
Tired of wandering through Apple’s App Store for something new? You’re not alone. Sometimes you’d just like to go ahead and install something onto your iPhone or other iOS device without having to go through Apple’s hoops, and this is where having a jailbroken phone comes in handy. Once you throw off the shackles of that oppressive Cupertino –based corporation, you can pretty much put whatever you want on your iPhone. In fact, there are whole marketplaces dedicated to providing your choice of third-party iOS apps like Cydia. In fact, Cydia apps are so popular that a whole community has sprung up around them.
You Need to Stand Out from the Crowd
iPhones all tend to look the same, once you get beyond the multicolored cases. In fact, one lock screen looks much like another, and sometimes you’re just tired of looking and sounding like everyone else. Luckily, once you jailbreak your iPhone you can quite literally do whatever you want to your iOS device, and that includes downloading and installing custom themes to alter the appearance of things like your lock screen and home screen. The cosmetic customization choices really are endless when it comes to jailbroken iOS devices, and you can rest assured that you’ll have the one iPhone in the room that doesn’t look like it just rolled off that Foxconn assembly line.
If you’ve been receiving a cash structured settlement after a successful personal injury case, you know how hard it can be to make ends meet even with the regular monthly payments you’re receiving from the lawsuit. You might even be considering the idea of selling your structured settlement for a lump sum payment instead, but you may not be sure if it’s a good idea or not; here are some reasons why selling your settlement may be a good idea, given your circumstances.
You Can Get Cash When You Need It
Relying on a scheduled settlement payment every month can be a harrowing experience, especially if it’s your only source of income. Sometimes those few hundred or even thousand dollars every month can barely be enough to get by, and if you have a fantastic investment opportunity that you’d like to take advantage of but you aren’t able to because you don’t have enough cash on hand right at the moment to buy in. Trading that settlement for cash now can sometimes help you take care of those problems much more easily than you could by simply receiving a bit of money here and there, and it can be worth it in the long run if it means securing a better future for yourself.
You Can Make the Purchases You Need
If you’re struggling with a car that would be too expensive to fix with your current income, or if you need a new one badly but can’t buy it because your settlement payments aren’t enough to help you finance it, trading in for a lump sum could solve the problem for you very easily. Likewise if you have to make a big-ticket purchase because your home needs important repair work or a necessary home appliance like a refrigerator or water heater needs to be replaced but you can’t afford it at the moment, a lump sum payment might be just what the doctor ordered to help you resolve these problems.
You Can Take Control of Your Finances
Structured settlements are great for keeping your head above water if you’re up to your neck in debt, but it usually makes better financial sense to pay off your creditors as quickly as possible. Paying out across the span of many months or even years means you’re wasting a lot of money on the interest on any accrued debt, but paying off the loan all at once through the help of a cashed-in structured settlement can get that monkey off your back and lead to better financial health overall – making the trading of your settlement for a lump sum a smart financial move.
Nothing says luxury better than a richly-appointed suite in a Manhattan skyrise. When it comes to living the good life, you can’t get much better than a luxury hotel in the heart of New York City – and you won’t be likely to find a higher price tag anywhere else, either! It’s an experience that you shouldn’t ever turn down, but just be aware of some of the things that go along with a trip to Manhattan.
Keep in Mind that NYC Travel is a Nightmare
Even the best luxury hotel New York City might be completely across town from everything that you want to do while you’re visiting Manhattan. If you’re a first-time tourist, you’re going to have enough trouble simply navigating your way from the LaGuardia or JFK airports, luggage in tow, to that fancy midtown Manhattan hotel that you booked months in advance, and the last thing you’re going to want to deal with is a long and complicated subway ride every time you want to go to a Broadway show or to the Hayden Planetarium.
Even if you’re driving from somewhere within the tri-state area, New York City is not exactly conducive to motorists. Parking is at a premium wherever you go, and if you find a parking spot somewhere on the road you’re a lucky person indeed; unless you’re willing to pay to use a parking garage every day, you’re going to want to keep your hotel close to wherever it is you’re looking to go while visiting the city. At the very least, you should choose a hotel close to a major subway hub to minimize the amount of train transfers you’ll have to endure while going to and from.
You Better Break Open that Piggy Bank
Over and above the cost of a luxury hotel room in the heart of the city for a week – or even just a few days – Manhattan is just an incredibly expensive place to visit. Vacations are all about eating out and visiting the sites, but this could easily eat into your budget very quickly in the city that never sleeps, especially when you take things like subway fare into account. Luckily there are plenty of free attractions in the city; a good example of this would be the Natural History Museum, which is free to the public and simply encourages small donations to help defray the cost of such a massive and storied institution. Likewise admission to the world-renowned Central Park is free as well.
If you’re in need of legal representation because of an injury, you’re going to need a good personal injury lawyer. However, it can sometimes be harder than finding a needle in a haystack to locate a reputable and skilled solicitor firm that will fit your needs; here are some ways to find the right personal injury lawyer for you.
Don’t Rely on Word of Mouth
It might be tempting to take the advice of your friends, family or colleagues and allow them to refer you to a law firm that they may know of or have even used in the past. Yes, it can seem like a boon when your Great Aunt Evelina tells you how wonderful her own experience was with the ABC Solicitor Firm, but just because it was a good fit for her doesn’t mean that the same will go for you. At the same time, don’t be swayed by someone who says you shouldn’t use a particular solicitor firm, as the opposite is just as true: just because your Cousin Harry’s lawyer wasn’t successful in his own claim doesn’t mean that the same lawyer might not be the right fit for you.
Actions Speak Louder than Words
Instead of relying on word-of-mouth, you should find out more about each particular law firm you’re thinking of by investigating the history and performance of each one in detail. Finding out how many years the solicitor firm has been active, how many cases they’ve handled – and how many cases like yours they’ve won – and how many lawyers work for the firm can help you determine if these solicitors are going to have the skills, experience, and dedication to help you prevail on your claim. Otherwise you could be at risk of choosing the wrong lawyer for you.
Use the Internet
If your injuries preclude you from being very active, you don’t have to despair because you’re unable to get out and visit each of these law offices in person. Thanks to the internet, you can still look up detailed information on any personal injury law firm you wish. On top of that, you don’t even need to go to a particular firm’s website – there are personal injury solicitor comparison sites out there that can help you find the right one for you. In fact, these sites are usually specialized to the point where if you need a lawyer that’s focused on one particular type of injury claim, you can find them easily. For example, going to http://www.personalinjurysolicitorsdublin.info/medical-negligence-solicitors/ will provide you detailed information on injury solicitors with the experience you need to help you prevail on your medical negligence claim.
Whether you’re an avid outdoorsman, a weekend warrior, or a health-conscious office worker, you know the value of staying hydrated. Eight glasses of water a day or more is your watchword. When you’re on the go, it’s easier to just go down to the local convenience store and purchase a disposable plastic bottle filled with spring water, but should you really be doing that? Here’s why you should think twice before reaching for that cheap plastic bottle.
You’re Wasting Money
You know that the cleaner the water is that you put in your body, the healthier you’ll be. This poses a problem for many people who live in areas where the quality of the water that comes out of your faucet might not be the greatest, and if you’re one of those unlucky folks you might spend money out-of-pocket on pallets of disposable water bottles, you’re spending more money than you need to. Instead of watching your cash wash down the drain, get yourself a water filtration system at home. There are many water filters that can have built in water pitchers or that can be attached right to your faucet head, and the costs of these filters is a fraction of what you’ll be spending on those little flimsy plastic bottles.
You’re Possibly Poisoning Yourself
Disposable plastic, especially when used in beverage bottles, may not be the safest way to deliver water to your body. That’s because chemicals in the bottle itself can slowly leach into the water over time, and you’re getting more than you bargained for with every sip. However, if you switch to reusable water containers like CamelBak bottles you’re eliminating the possibility of these harmful chemicals entering your bloodstream and wreaking havoc on your insides. Whether it’s stainless steel, glass, or BPA-free plastic, you’re doing yourself a favor when you use a bottle designed to be used more than once.
You’re Ruining the Environment
Disposable plastic bottles are easy to just toss in the trash after you use them, but that plastic doesn’t just disappear once it leaves your hand. With the amount of disposable bottles that people go through every year, the our landfills are getting flooded with non-biodegradable trash. Even recycling isn’t that fantastic an option, as it costs time and energy to melt down all these disposable bottles; if we take even a fraction of these bottles out of circulation, we’re helping to keep the environment cleaner – and isn’t that worth it?
Consumer debt isn’t necessarily a bad thing. In fact, you can’t get by without a bit of it, as it’s hard to buy a house or a new car by paying in cash, but there’s plenty of bad types of consumer debt out there. As a result, it’s currently much too easy to get in over your head, but if you’re careful and you think ahead you can avoid getting saddled with unwanted levels of debt; here are a few ways to keep away from bad debt.
Bad Lenders offer Poor Choices
There’s a blight upon the consumer lending industry at the moment, and it’s all because of bad lenders that use sharp practices like incredibly high interest rates and particularly punishing late payment fees. The worst of the bunch has to be the payday lending community, a short-term lending solution that is supposedly designed to provide instant cash for financial emergencies and quick repayment terms, but the truth is that many borrowers find themselves over a barrel when they try to clear their debt.
Annualized interest on a payday loan is mind-boggling. If you think that 20 percent interest rate credit cards in Canada are a problem, hold on to your hats because APR interest rates on payday lending is quite often several times higher than this. It’s not unheard of to see 1,200 percent annual interest on a loan that’s only supposed to last a few weeks, so do your best to not end up using a payday lending service unless you’ve absolutely exhausted every other single opportunity you have at your disposal.
Embrace Responsible Borrowing Tactics
You have to make sure that you look for the best and least expensive way to borrow right now, especially since so many other methods – like payday lending – can see you building up seriously untenable amounts of debt otherwise. If you’re looking to build good lending habits, your best bet would be to check into the local credit union in your area to see if you qualify for membership, as you’re never going to get a better deal anywhere if you tried.
Since credit unions are not for profit, member owned institutions, you can rest assured that there is no shadowy group of greedy shareholders pulling the strings and responsible for charging high interest rates on the lending products they offer. Borrowers from a credit union have to be members first, which means it’s in the credit union’s best interest to offer remarkably easy repayment terms that see that both the credit union and the borrower come out better in the long run. This is a far cry from how lenders act when they’re looking to make a profit off you.
When it comes to your health, there’s few things that are more important. You need to make sure you’re exercising regularly, eating foods that are good for you and support your health goals, and take high-quality supplements to maximize the impact of your diet and exercise choices. However, you need to keep both your eyes open if you’re going to adopt a new fitness-related activity, as jumping in blind could do more harm than good!
It’s How You Eat, not Just What
You’re not going to shock anyone if you step up and say that one of the keys to health is to eat right. However, it’s not just about counting calories; your eating habits in general are just as important. If you think that one of the perennially-popular fad diet plans is going to be the key to your salvation, think again – you need to make sure your nutritional intake is balanced around your goals. Take the time to look into any dietary plans and truly understand how they work before embarking on one, as you don’t want to accidentally set yourself back or even potentially harm yourself because of what you simply assumed would be the best diet for you.
Watch Those Little Pills
It’s just as important to be careful when you’re thinking of adding a nutritional supplement to help you support your health goals. Weight loss aids and multivitamins might sound like a good idea, but if you’re not spending some time reading the labels you could end up putting something into your body that might not be that good for you. If you think that garcinia cambogia extract was made without fillers or chemicals because you simply assume so, you could be in for a rude awakening if you choose the wrong manufacturer. Luckily there are few garcinia cambogia side effects you need to worry about, but if your supplement includes odd ingredients as a result of its manufacturing process, who knows what these additives could do to you? Better to check the labels and then look up any substances that you’re not sure of.
Keep an Eye on Your Form
While it’s of the utmost important to not put anything into your body that might harm it, it’s just as crucial to make sure you’re not doing anything to it on the outside that might end up causing harm. If you’re engaging in a strenuous exercise regimen, you’ve got to make sure that you’re performing all those exercises properly. If you’re lifting weights or moving your body in the wrong way for a long enough period of time, you could end up with some pretty serious injuries – and that’s going to set back your fitness goals by more than just a little bit!
If you’ve run into a sudden financial emergency, it can be tempting to steer towards the closest safe harbor in the form of a fly-by-night payday lender or by taking out a car title loan, but the truth is you don’t have to risk these consumer credit methods. In fact, if you’re looking to avoid toxic levels of personal debt, you should give these types of lending products a wide berth! Here’s a few ways to avoid bad personal debt yet still get the money you need.
What You’re Looking For – and What to Avoid
When it comes to the best personal loans out there, there are things you simply must avoid if you’re at all concerned with your long-term financial health. It can be tempting to jump on the first offer that comes along, but in a world with high interest rates and even higher fees and penalties a deal that looked like a dream come true at first glance might turn out to be a total nightmare.
You need to take a close look at the terms and conditions of any lending agreement before you put pen to paper. The old adage of “look in the fine print” is true in that most lenders don’t make it very easy for you to grasp the full implications of your credit agreement; that tiny little print at the bottom of a website or on the back of a lending application will tell you all the gory details, and if you see high interest rates it’s a good idea to skip that lender and go with someone else. Likewise if you see punishing let fees and maintenance charges that could be charged to you, it’s also a good idea to find a lender whose terms are a bit less Draconian.
Turn to Better Options
There are almost always better options when it comes down to getting cash fast. If you have parents or other relatives who might be sympathetic to your plight, consider asking them for some help – but just make sure it’s really an emergency and not for something that’s frivolous. Many family members will be more than happy to loan you some cash to get your car fixed so you can get to work, but fewer will be interested in lending you money so you can buy airline tickets to the Bahamas for the weekend!
If your bank has turned you down and you feel that going to a non-traditional lender is too risky, consider approaching your local credit union. Many credit unions offer much more affordable loan terms, and it can be as easy as simply living in a general geographic area to qualify for membership in your local credit union. It’s a much better option than running up unmanageable debt.
There’s nothing wrong with cutting out the middle man when it comes to doing your shopping. Whether it’s for everyday items or big-ticket affairs, shoppers looking for deals can very easily find great deals by shopping not at a retail store but instead a wholesaler or internet-based retailer instead.
Inexpensive Doesn’t Mean Low Quality
You don’t have to sacrifice quality in order to get a cheap price. In fact, online jewelry wholesalers like Shapiro Diamonds sell quality engagement rings that are just as good as the kinds of engagement rings you would find in any retail store in New York City or in Los Angeles. In fact, there’s a good chance they may have even better, more high quality merchandise than your standard fare diamond engagement ring.
But why is that? Why do online wholesalers have the ability to offer such great value at such affordable price points? Well it’s no secret, but most people don’t think about it: the costs to run an internet-based business are much less than a traditional brick-and-mortar establishment.
There’s a reason that Barnes & Noble has been shuttering many of its branches while Amazon is still going strong; the cost to operate a massive network of retail shops of that size is too high in comparison to the revenue they generate for their parent company. Between paying for utilities, maintenance, rent, and employee salaries, the overhead of even just one store can eat into a company’s profit margin by a significant amount, let alone a whole chain of such stores – meanwhile an internet-based company can use a much more modest amount of space simply dedicated to shipping, receiving, and processing inventory and need not concern themselves with expensive retail space. These savings are oftentimes passed on to the consumer, such as in the case of Shapiro Diamonds.
Never Buy Retail
The same reason that internet-based retailers offer less inexpensive merchandise – lowered operating costs – is the same exact one that enables even brick-and-mortar wholesalers to charge less for the same item their retailers have for sale at a marked-up price. Wholesalers are often the first step in the supply chain when it comes to a merchandise sale, and the closer you get to the source of a sale item the less expensive it gets. Wholesalers buy merchandise at a deep discount and then mark up their prices to profit from their sales to retailers, who then turn around and mark up the prices on this merchandise again before offering it to sale as consumers. This means you’re simply paying too much for anything if you buy it at its retail price, so do your best to find a wholesaler before making that purchase!
It can be an expensive proposition to embark on a weight loss plan. Between changing your diet and increasing the amount of exercise you engage in on a regular basis, the costs add up rather quickly, but there are ways to keep these costs down and still accomplish your goals by harnessing the power of the internet. Here are a few ways you can save money while on your quest for a slimmer waist line.
The Sum of All Man’s Knowledge
If you’ve been racking your brain to come up with good-tasting food recipes that are going to help you lose weight and increase your fitness, don’t feel like you’ve got to go down and spend hundreds on fancy cookbooks. There is literally an uncountable number of websites out there dedicated to providing good recipes free of charge for all your needs. Whether it’s a specific type of diet you’re on or just good, tasty low-calorie meals that you can put together quickly or on a budget, these recipe sites will have exactly what you need to get the job done; stay away from the bookstore and embrace the power of the web instead.
Feel the Burn
While it’s integral to adopt a healthier diet to lose weight, you can’t discount the value of becoming more active. Regular exercise, when combined with eating right, will maximize your weight loss, but many people think that you need to spend money on an expensive gym membership or hire a personal trainer to get the best results. The truth is that you can find tons of information on exercise regimens right over the internet, and many of these websites feature guides that can show you how to work out right at home without having to shell out your hard-earned cash on trips to the gym.
Join at a Discount
The internet is a fantastic tool for saving money while also losing weight, especially if you’re interested in joining a weight loss program that costs money to join. Weight Watchers coupons like the one’s here www.beauty-diet.com/weight-watchers-coupons/ are a great option if you’re looking to save money but still reap the benefits of your local Weight Watchers group. The number of websites out there that offer coupons and promotional codes for organizations like Weight Watchers is relatively high – you just have to spend a few moments with your favorite search engine and find a site that has coupons on offer. The best part about websites that offer promotional coupons for Weight Watchers will also offer discounts for other, similar weight loss support programs or systems as well.