When You’re Lucky Enough To Have Holiday Money Left Over

When going on vacation a lot of people tend to acquire more foreign currency than they hope will be necessary. After all, it is always better to have too much money instead of not enough. Or, perhaps you have simply come home with more money than you expected to? There is certainly no better feeling than to touch back on UK soil knowing you have had a fantastic vacation but haven’t had to break the bank.

emergency fund

However, the only concern is deciding what to do with the unused foreign currency when you get back. Do you simply hold on to it in the hope that you’ll visit the destination again? Do you try and convince your friends and family to visit the holiday location in the foreseeable future so they can swap some currency with you? No, there’s actually no need for such hassle.

Instead, you should sell the currency back. This is the best way to make the most of any unused foreign currency, no matter how much or little. Keeping that in mind, keep on reading to discover everything you need to know about selling back foreign currency…

There are lots of companies nowadays that will give you the option of selling back your foreign currency. Nevertheless, you, of course, need to choose one with care to ensure you benefit from good value. If you walk straight into a branch without doing any research you may find yourself in a position where you feel pressured to go for the exchange rate being offered.

personal money hacks

Without doing prior research it’s difficult to know whether you’re getting a good deal or not. You do not want to leave the branch to discover you could have got a better offer elsewhere. Therefore, instead, you should take a look at the Internet and assess your options carefully first. One tip you can use, though, to minimise the money you need to exchange to begin with is to pay online for holiday elements in your own currency beforehand. If you check out these apartments in Jual Rumah Indonesia, you will see how you can pay online in your own currency, and this could save you a lot in the long run.

The general process you should follow when selling currency is as follows…

  1.    Find a credible travel money company.
  2.    Begin the process online by entering details, including the type of currency you are selling and the amount of currency you are selling. The company will then present you with their offer. If you are happy, you can move onto step three.
  3.    You will then select the branch you are going to take the currency to and you’ll agree on a date.
  4.    You will likely be asked for a few personal details to complete the process.
  5.    Go to the branch that has been agreed upon and you can sell your currency and complete the deal.

Those are the typical steps that are involved. They may differ slightly depending on the company you use. Nevertheless, all travel money businesses should follow a similar sort of process. It is always worth doing your research to make sure the company in question is credible and that they have a good reputation.

Read reviews that have been left by previous customers to get a good feel regarding the general feeling that surrounds the travel money business you are considering. If they have a bad reputation, this is something you should be able to pick up on with ease. Thus you will know to look elsewhere.

One of the most frustrating scenarios that can arise when selling back your travel money is arriving at the bank to discover you are not going to get the same amount that was quoted online. Unfortunately, this happens quite often. If you locate the small print on a lot of websites for travel money companies you will frequently discover that they don’t guarantee the rates that have been presented on their website.

Instead, you will be subject to whatever the exchange rate is on that given day. In a way, this defeats the purpose of setting up the sale online. Yes, it will be more convenient. However, you could still find yourself on the end of a bad deal. Because of this, it is highly advised to make sure you find a company that gives you the opportunity to secure your rate online. By doing this, you know exactly what deal you are being offered and you can be confident that this will not change once you arrive at the branch several days later.

Aside from this, another factor you need to take into consideration when selling back currency is the commission rate that is charged by the travel money branch. This is where you can potentially lose a substantial amount of cash if you are not careful.

a woman at her desk

Sometimes it can put people off selling their currency altogether, because they feel like they are losing out on such a huge amount. This is where your research skills come into play. You should spend time searching online to find low commission rates. You will even find that some of the better companies don’t charge any commission at all.

So now you know all about the best option you have available to you when you have leftover money from your vacation. We have already touched upon some of the points you should consider when choosing the best travel company to sell your currency to.

Commission rates and the ability to secure rates online are evidently the two most pivotal factors to bear in mind. And, as mentioned, it is always a good idea to read reviews that have been left by others. Nevertheless, there are some other key factors you should consider to make certain that everything runs smoothly.

One thing you will need to do is make sure the travel money company has a branch near you. The last thing you want to do is have to travel all over the country to find a firm to sell your currency to. Aside from this, the currency rate itself is obviously vital to make sure you get good value.

It is a good idea to do a bit of research online to get a good idea regarding the exchange rate for that given day on various websites. You will then get an understanding as to whether the company in question offers value or not. Are you in a rush to sell your currency straight away? If not it may be worth holding out until the exchange rate meets a level that you are happy with. There are some companies that give you the option to benefit from notifications every time the exchange rate gets to an amount you are satisfied with.

fun

All in all, hopefully, you now have a better understanding in regards to the best route to take when you come back from your holiday with excess foreign currency. Whilst there may be several different options at your disposal, the best way to make the most of the money is to sell it back.

Nevertheless, don’t simply sell the currency to the first travel money firm you lay your eyes on. Instead, you will need to follow the tips that have been provided in this article. Make sure that the company has a good reputation and that you can secure rates online. Aside from this, a bit of research regarding commission rates and exchange rates will certainly help. If you do this you are assured to be satisfied with the UK currency you get back in return. It is the perfect way to end a vacation.

To Buy Or To Lease Machinery? That Is The Question!

If you are buying business machinery there are lots of different things you need to take into account. This is especially the case when you consider just how crucial your purchase will be – it will have a massive impact on the successfulness of your business and so you need to make sure you get it right.

The following factors are just a handful of those you need to take into account – the size of the machine, the brand, the type of machine, where you are going to acquire it from, the cost of purchase, and the cost of running. Aside from these points, one of the main decisions you need to make is whether you are going to lease or buy the machine. There is no right or wrong answer here – it is all about figuring out what will work for your company.

This post helps you to come to the right conclusion for you in relation to either leasing or buying by presenting information on both. So, keep on reading to find out all you need to know…

Should you purchase machinery outright?

First and foremost, let’s take a look at the option of buying the machinery outright rather than leasing it. A lot of business owners tend to prefer this solution and the main reason why is because they know they are spending their money on something they are going to have full ownership of. Therefore, they feel like they are investing in something worthwhile, rather than spending their cash on a machine that is ultimately someone else’s.

This tends to be the best option to go for when you know the machine in question is one you are going to use in the long term and on a regular basis as well. You have to determine whether the cost of buying it outright is going to be worth how much use you are going to get out of it.

Nonetheless, not all business owners have to use their own funds to afford the purchase of these machines. A lot of people will lend cash in order to finance the purchase. This is something you should do with a lot of caution – make sure the finance option is right for you and comfortable.

Aside from this, it is imperative to note that you will literally be responsible for all costs and all maintenance in regards to any business machinery you buy outright. So, incorporate plant machinery insurance and servicing costs into your calculations.

Should you lease business machinery outright?

So, on the other hand, instead of buying agricultural machinery you have the option of leasing it instead. What does this actually entail? Well, you will pay the company in question on a monthly or yearly basis for use of one of their machines. They will still own the machine yet you will be granted exclusive access to it for the time period that you have both agreed upon.

This is a great option for those that cannot afford the huge outlays associated with buying a machine up front, or have struggled when it comes to getting the necessary finance. Moreover, if you do not see the machine as a long term solution, rather as something temporary, then it is definitely better to go down the leasing route.

Contracts tend to last anything between three and five years when it comes to leasing, although some companies will provide different options. If you wish to cancel the lease early you will probably be subject to a penalty. Make sure you read the contract in full before you agree to anything, as the last thing you want to do is be tied into something that is not right for your company.

So, there you have it, both options you have to consider when it comes to acquiring business machinery. Should you purchase the machine in question outright? Or, should you lease it? There is no right or wrong answer – it all depends on what is right for your business specifically. We hope that the information that has been provided in this blog post has helped you to come to the decision that is right for you and your company.

 

3 Key Insurance Policies

There are so many different insurance policies available in the modern day and age. Because of this, individuals can quite often be left feeling confused regarding what ones they need and what ones they don’t.

As a result, many are left at a major risk without even realising it. This blog post is here to discuss three of the most important insurance policies in further detail; critical illness insurance, income protection insurance and medical insurance.

Of course, there are lots of other insurance policies that may be right for you, and so it is certainly worth doing further research on those as well. But first, keep on reading to find out all you need to know…

What is critical illness insurance and why should you get it?

Critical illness insurance is a policy that protects the individual in question if they are diagnosed with a particular critical illness. Typically the insurer will pay out a lump sum of cash if this happens.

The key point here is determining what is covered and what is not. This is why you need to pick out your critical illness insurance policy with care and why using a financial adviser is the best approach.

Expert aid is worth its weight in gold because you will only be covered if the illness you are diagnosed with is outlined in the policy. This is where a lot of people go wrong – they think they are covered for a certain illness when, in fact, they are not.

A lot of people opt for this policy for sheer peace of mind and others seek it specifically because they have a history of a certain illness in their family.

What is income protection and why do you need it?

Income protection is an extremely beneficial insurance policy because it pays out if you are unable to work because of an illness or injury. This is pivotal because it ensures that the loss of income does not end up being damaging.

Just imagine what would happen if you lost your weekly wage. How would this impact your life? It doesn’t bear thinking about, and income protection ensures that you don’t have to worry about this. Some policies help individuals with back to work aid if they end up being off work sick.

Nevertheless, redundancy is not something that is covered in these policies, so that is worth keeping in mind. You can also get different policy lengths. Short-term policies are understandably the cheapest yet most people tend to go for those that pay out until retirement.

What is medical insurance and why should you get it?

There are so many reasons why you should get medical insurance. You never know when an unexpected medical bill could arise and this is something that has financially crippled many families.

Even the fittest of individuals can experience an unexpected illness or accident. Not only this, but if you have been injured and it was not your fault, medical insurance will make sure you are covered.

In such scenarios, you don’t only need an insurance provider, but you need to find the firm that won’t let you down when making a claim too. Unlike critical illness insurance, medical insurance policies cover a wide scope of instances. Of course, each policy is individual and the level of cover you receive depends on the insurance you select.

It is important to make sure you are one hundred per cent honest when getting your policy. If you have an underlying medical condition and do not state this beforehand you will not receive the benefits your policy is supposed to provide.

Hopefully, you now have a better understanding of three of the most important insurance policies that are out there for people at the moment. If you do not have any of the policies that have been discussed in this blog post, it is certainly worth exploring them further to find out whether you should have them in place or not.

If you should, make sure you don’t just rush into getting a policy, though. There are so many different plans available today, and you need to make sure you choose something that is right for you.

Don’t Let Ebay Eat Your Finances

In the last few years, sites like Gumtree and Ebay mean that most of us now look to sell spare bits online. Nothing’s better than getting that email notification telling you that you’re in the money. At last, you can put financial issues to bed, or start saving for the next big thing in your life. Perhaps you even plan to put the money you make her back into investments which can keep you afloat for years. Either way, you’re sure online selling has got you covered. But, has it really?

In the grand scheme of things, selling our spare belongings online is still a pretty new trend. And, as with anything which is untested, it doesn’t come with any guarantees. Far from it, in fact. Many sellers are finding that they experience real issues here or spend more than they see in return. And, the same thing could end up happening to you if you don’t think things through.

Still, there’s no denying that it is possible to make fast and substantial sums this way. But, how can you make sure that online selling ends well for you?

a woman with a credit card

Use trusted sites

There are now sites on which you can sell anything you could imagine. You can sell your bric a brac on Facebook, old clothes on Ebay, and even your transportation at American Motorcycle Trading Company and other sites like them. In short; if you have it, you can sell it. Wherever you choose to sell, though, you need to make sure that they offer you some form of seller’s protection. Facebook marketplace is terrible for this, as there’s no set payment option. Instead, individuals arrange collection and payment among themselves. This is a breeding ground for problems. If you want to guarantee a return, then, choose selling sites which have set seller’s protections in place. eBay is a fantastic example of this, with their Paypal payment systems which ensure security. Even if you’re on the bad end of a deal with sites like these, eBay will reimburse you. That’s a benefit you would never get on a site which didn’t have any policies like these in place. All you need to do is research. The selling world is your oyster, but make sure you get a good one.

office premises

 

Ask for payment on order

Some sellers hold off asking for payment until delivery is complete, but this is never a good idea. If you operate this way, there’s nothing to stop your buyers from taking your goods and not giving you a cent. And, you would have no one to blame but yourself. Instead, you should always aim to ask for payment on order. A reasonable customer will be more than happy to pay you ahead of time. On sites like eBay, they won’t have a choice either way. You then have that reassurance before you so much as part with your goods. It’s worth sticking to this policy, even if a customer is coming to collect something. This money in advance is your reassurance that the person coming is committed. Knowing those funds are secure in your bank also ensures the buyer won’t rip you off or ask for a lower price on arrival. At the very least, taking care of payment helps to avoid mixed communications or awkward conversations.

Consider postage and packaging

Talking of payment, you also need to consider postage and packaging if you’re planning to send items. Though it seems obvious, an astounding amount of sellers don’t even think of this when listing items. They then find themselves out of pocket when they have to pay for this themselves. Hardly what you wanted when you planned to boost your finances this way. Bear in mind, too, that postage on heavy items can fast add up. To make sure that doesn’t take its toll on your finances, always list postage prices alongside your items. If you’re unsure, contact a courier company for their price list. You should also find that sites like eBay have easy postage options. Your customers will then pay these costs when placing their orders. That ensures you never need to end out of pocket during this entire process.

Be honest

Believe it or not, dishonesty is another leading reason why sellers end up losing out. Too often, people think they can lie about product quality online. A few clever pictures can hide a whole load of sins, after all. The trouble is that your customer will have that item in their hands eventually. As such, they’re sure to spot issues like these pretty fast. And, when they do, you can bet they’ll want a refund. Though that doesn’t leave you out of pocket as such, it does mean that you don’t make anything. If you then have to pay the costs for return postage, though, you very much will be out of pocket. Does a white lie seem worth all those potential losses? Instead, make sure you earn by being upfront about the condition of what you’re selling. Point out issues rather than trying to hide them. Be honest about how used something is, or any significant damage which a buyer is likely to spot. Then, you know for sure that the person offering to pay is aware of what they’re paying for. The money in your bank will stay in there, and you won’t need to spend to sell. All because you saw that honesty was the best policy.

It’s possible to make a great deal of money online. Some people even now use this as a constant and primary source of income. And, there’s no reason you can’t do the same if you take this advice. Fail to do that, and your efforts here could end up costing far more than they earn. Get this under control, though, and you could soon have plenty of spare cash rolling in each month. To top it all, you won’t have to live with bags of clutter all over your floors anymore.

Lease Or Buy? What Is The Best Option?

While your home office may have sufficed for the first six months after launching your startup, the chances are that your rapid growth may mean that you need to consider alternative working environments.

The need to take on new staff, the need for more storage for goods or simply to appear a more professional outfit may result in you having to find an office or warehouse space.

Arranging a meeting with a new client, only for them to have to walk through your living room before reaching your study isn’t portraying your brand in the most professional sense.

When it comes to seeking out business premises, you have two options. You can either lease or buy. Which option is best for you?

lease of buy

#1 Leasing

The idea of purchasing a building to convert and use as office space sounds expensive. If you aren’t ready to fork out so much cash and you need more flexibility with your location, leasing could be the perfect solution.

Securing a lease means renting a commercial building for a set length of time. This could be anywhere from three months to two years. Always ensure that you only sign up for a length of time you can commit to. Remember, you can always renew a contract.

The flexibility that this gives you allows you to move locations if you find that you don’t have enough foot fall, the transport links aren’t as efficient as you thought, or you need to expand and seek a larger premises.

Leasing also gives you more readies in your pocket to spend on other aspects of your business vision. Securing a commercial property for use means that you will have to invest in public and professional indemnity insurances.

While you still might need to use an attorney if someone trips over a piece of loose carpet in your office, you will have the insurances to back you up financially.

office premises

#2 Buying

While leasing is a sound option if you need more flexibility, it can become troublesome if your lease ends early for a reason outside your control. Sometimes leaseholders will want their property back or they may be keen to sell it on without a sitting tenant. This can be chaotic for your business.

To mitigate this, you may want to buy your office building. Yes, the financial outlay will be greater, but you will have a solid base from which to carry out your business.

You will also have an asset in the bricks and mortar that you have purchased. In the same way as renting a home is seen as dead money, so is leasing a commercial property. You will be lining somebody else’s pockets and receiving nothing in the process.

See your purchased building as an investment which you can remortgage against to raise extra funds, or simply as an asset that you can cash in if you were to move premises in a few years time.

Working out how best to structure your business takes a lot of thought. Whether you choose to lease or buy, ensure that your financial plans are structured so that your cash flow remains buoyant for the benefit of your startup.

Investing In Your Business To Make It Grow

You should always consider investing in your business to help with its growth, regardless of whether your business is brand new or if it’s been running for years. Investing isn’t just about the financials either. So how can you invest in your business?

Improve The Visibility

a man working

There’s nothing more frustrating for a customer than a business that isn’t contactable. Therefore having a visible business is extremely important for existing and new customers and clients. Whether that’s adding in a virtual address from https://physicaladdress.com or simply putting all your social media platforms onto your website, this all helps to promote business presence.

Make sure you have a website, especially as the digital age is extremely relevant and not going anywhere soon. Having contact details like your email, contact number and location will also make it easier for those to get in touch.

Focus On Existing Clients

Before you go about searching for new clients, you should always focus on your existing ones to remain loyal to you so that even if you lose your new clients, you have your old ones to fall back on. Listen to their concerns and address them as best as you can so that they feel valued as customers.

Investing in your clients not only shows loyalty to the clients but also to new ones who will see that you value those who make your business and reward them through their dedication.

Do Your Research

financial resources

Knowledge is power, and it’s something that not always requires you to invest your money. Instead, you invest time and effort that helps you learn and grow your business. There’s plenty of books and materials out there that should you be struggling, will help you improve your business or an element of it. Research can be hugely beneficial so be sure to do this regularly.

Look After Your Staff

Investment should also be considered when it comes to your staff. They are the backbone of an organization, and without it, a business can often suffer as a result. Poor work productivity is usually due to your staff feeling undervalued or not appreciated within the workplace. There are many ways you can look after your staff, whether that be offering them a career path within the business or just by simply holding a one-to-one meeting every so often to address concerns, all of it can make a huge difference.

Use Your Money

money

And lastly, it’s worth reinvesting your money, especially at the beginning of a business. In order for a business to grow, certain aspects may need to be developed, and all of that can cost money. It may be great that a business is bringing in money but in order for that to continue, investing back into your company should certainly be done. Don’t be afraid to use your money and if you need advice, speak to a financial advisor.

Businesses always need to look at ways to grow. Regardless of the industry, there’s always competition and advancements. So to avoid falling at the waste side, it’s critical to improve and invest into your business.

The Top 4 Penny Stocks Trading Chat Rooms

While the concept of trading stocks online can be quite confusing, you can easily become a pro trader in a short period. Most traders shy away from investing due to volatility and the high-risk involved.

But when you have the passion to succeed, it’s not hard. Day trading chat rooms are online platforms where successful traders share their trading activities. Here are the top 4 chat rooms to contemplate.

#1 Timothy Sykes’ Pennystocking Silver chat room

timothy sykes

This chat room is owned by Timothy Sykes, a self-made guru in online stock trading. Tim made a name for himself after turning $12,415 into $1.6 million. The strategies he shares are derived from his own personal experiences. He works alongside Michael Goode (one of his
millionaire students).

In this chat room, traders share their technical and fundamental analysis of trading penny stocks. Because Sykes programs have so many subscribers, the pricing is pocket-friendly. Normally, Pennystock silver charges $149.95 per month which is lower than other comparable services. Novice traders can access over 4,400 existing video lessons.

While the chat room is a bit noisy due to many subscribers, you can filter for moderator posts. More interestingly, you’ll get alerts every time Tim makes a trade. It’s worth mentioning that these alerts are not for copying trades, but to give valuable information on the moves he’s making. These alerts will cost you $ 74.95 per month.

The Pros

  • You can access real-time alerts
  • Easy-to-use platform
  • Extensive video library
  • You can use the iPhone and Android app
  • The moderators keep everything organized during the market hours

The Cons

  • Tim’s extravagant lifestyle makes it look like a fraud

#2 Nathan Michaud’s Investors Underground chat room

iuThis is one of the vibrant day trading chat rooms on the web. It was created in 2008 by Nathan Michaud, a renowned stock trader. Investors Underground is the home to thousands of traders who share their trading ideas in real-time. In addition to that, it encompasses some of the most successful moderators like Tim Grittani and Eric Wood.

The platform offers three types of chat rooms including Swing, OTC, and Momentum chat room. During the market hours, they don’t allow off chart topics. To access the chat rooms, you can subscribe to the different plans. One month membership goes for $1297 while three-month membership goes for $1997.

The swing chat room is managed by Michele Koenig and puts more emphasis on technical trades. He consistently shares the trading ideas and unnoted chats with the members. If your day trading involves price action, then this is the chat room to be. You also get trading alerts if you don’t want to spend the whole day sitting in front of the computer. On the other hand, OTC trading chat room has moderators who are accustomed to stock trading. They give invaluable tips on how to trade penny stocks by taking the winning positions.

The Pros

  • Ideal for novice and experienced traders
  • You’ll find prominent traders with a track record of success
  • Traders access education courses, webinars, and video lessons
  • Moderators react in real time
  • Offer multiple trading styles

The Cons

  • Lots of trading jargon

#3 Ross Cameron’s Warrior Trading Chat room

picture of ross cameron

This chat room is owned by Ross Cameron who also works as a moderator. Being one of the biggest chat rooms, there are more than 1000 members who are actively participating in daily trading activities. The instructors offer top-notch training and live market commentary. Most of them have worked with one of the biggest firms on Wall Street. To ensure traders get the best odds for success, they usually get alerts via text or email. As an active member, you’ll receive a watch list of 3-5 stocks with the biggest winning potential.

What makes Warrior trading stack up above the competition is that it caters for both beginners and experienced traders. To get access to the chat room, you should sign up to monthly, quarterly, or annual membership. The annual membership costs $75 per month where you get unlimited access to live audio/video feed. Other benefits include market commentary from pro traders, live screening stock scanners, proprietary feed, and hot stock watch list.

Secondly, the quarterly membership costs $ 149 per month. The package includes Hot stock watch list, commentary pro traders, proprietary news feed, gap scanner, and audio/video feed. Lastly, the monthly membership costs $199 and includes daily video/audio feed, market commentary, daily hot stock watch list, live streaming stick scanners, and proprietary news feed.

The Pros

  • Offer expert trading tools
  • Ross Cameroon chimes in frequently
  • They have state-of-the-art scanners
  • The moderators are very friendly
  • You get 3-5 stocks on the watch list

The Cons

  • The monthly subscription is on the higher side

#4 Jason Bond’s chat room

jason bond picture

This chat room was created by Jason Bond. Its main focus is to teach how to invest in low-priced stocks without being glued on your computer. Here, members get up to 10 trades per week. Additionally, you’ll gain access to a wide range of audio/video feed and unlimited educational materials. Plus, members are privileged to receive text and email alerts whenever stocks rise or fall. According to Jason, you can become a profitable trader in 3 months.

Traders can access three subscription plans depending on their trading strategy. If you’re a day or swing trader, you pay $399 to access limited features. It’s suitable for busy professionals who are looking to make a few trades every week. With this package, you get education materials like audio and video feed, email alerts, and real-time texts.

If you don’t fancy swing trading, you can subscribe to long-term trading plan which costs $1,999. And if you’re looking to get premium mentorship from Jason you can subscribe to Millionaire Roadmap Plan at a cost of $9,999.

The Pros

  • The moderators operate with honesty and integrity
  • Excellent customer service
  • Constant updates in real-time
  • Access to a large video library
  • Jason gives his trading summary

The Cons

  • Relatively expensive

Best chat room as a beginner trader

If you want to start trading stocks, you should subscribe to Timothy Sykes chat room. It gives valuable trading insights that focus on larger trades. Besides learning his unique trading strategies, you get alerts which are sent via phone or email. Another reason that makes the chat room a one-size-fits-all package is the way of explaining. Tim has made it easy to understand.

Closing thoughts

As a new trader, you should focus on trading tools. To ensure you choose the best chat room that suits your trading activity, pay close attention to your personal trading style, amount of money you’re willing to invest, and your technical and fundamental skills.

 

Claiming Cash That You Are Owed

There are various situations in life where you will find that others owe you money. Now, many people make the mistake of just assuming that this money will make its way back to them eventually.

But generally speaking, people are reluctant to cough up cash unless they are near enough forced to. This is why it’s important that you actively pursue owed cash.

Here are a few areas that you might want to focus on!

clients

Clients

If you work for yourself, you may find that you are owed money from clients. The best way to get this without damaging professional relations is to send an invoice. If this doesn’t work, you can always follow up with a friendly payment reminder via email.

If time goes on and someone is still avoiding payment, you probably won’t want to work with them again anyway, so could always pursue legal action to receive a payment.

Compensation

There are certain situations in life where someone else will hold authority over your overall health and wellbeing. When you are at work, an employer has responsibility to ensure that you are safe and well while in their commercial property or carrying out tasks for them.

If you are in public spaces, on the roads, or anywhere else, other relevant authorities will have to cater to your safety and wellbeing. If you do experience an incident, you should contact a relevant lawyer like a personal injury lawyer or a car accident lawyer.

They will be able to draw together a case and claim compensation on your behalf.

good budgeting

Money from Friends and Family

Generally speaking in life, it is best to keep to the policy of “never a borrower nor a lender be”. But every now and then we will lend money to close friends or members of our family.

Now, it can be extremely difficult to claim money back from people who you have a personal relationship with, as you won’t want to jeopardise your relationship for the sake of cash. They will also be able to use excuses with you that simply wouldn’t roll with professional lenders.

They will pull at your heart strings and you will generally let things slide because you have their overall happiness and wellbeing in mind.

However, there are ways to get the money back. Note why you need the money. Tell them how them not paying you back is affecting you.

These are just a few different situations where you may find that people owe you money. Hopefully, the above information will help you to claim back what’s owed to you as quickly as possible!

The Real Reasons You Might Need To Give Up Driving

When you learn how to drive, you probably assume that you will be driving for the rest of your life. It’s such a convenient skill to have, and you will certainly need to rely on it for a long time to come. But being able to drive forever? Unfortunately, few people are able to continue using their car once they hit their later years, and they could be forced to give up their license for a number of reasons. But it’s also important to remember that it’s not just the elderly who sometimes need to give up. It may be rare, but some people need to give up driving prematurely. Here are some reasons why that can be.

#1 Poor Eyesight

If you suffer from poor eyesight, then that is obviously going to be problematic for your driving. After all, if you can’t see the road in front of you, there is no way of knowing where the other cars on the road are! There are some eye conditions that can badly affect your sight and these can hit at any age. Unfortunately, they could signal the end of your driving career.

#2 Certain Health Conditions

It’s not just bad eyesight that could make you give up your car. There are a few health conditions that make it impossible for people to drive safely and, if affected by one, you will need to give up your license. One is epilepsy. If you have ever had an epileptic fit in your life, then you can’t risk getting behind the wheel. If you suffer from an illness that affects your upper-body movement, such as MS or the effects of a stroke, driving could be too difficult to do safely.

#3 Getting Banned

If you are ever banned from driving, then you will be forced to give up. If you are banned for causing an accident, you could hire an accident lawyer today to see if they can help you fight your case. Unfortunately, they can’t always get a ban overturned. Thankfully, not all bans are forever, and most of them will prohibit you from driving from anywhere between six and eighteen months.

#4 Alcohol Abuse

You should already know that drink driving has to be avoided at all times. Unfortunately, though, for those who suffer from an addiction to alcohol, drinking before driving might have become a very normal habit. In this case, the safest thing to do is to stop driving completely while the addiction is being treated.

#5 Prescription Drugs

If you are taking certain prescription drugs to help overcome an illness or injury, you might have to stop driving for a short while. That’s because some drugs cause untoward side effects that can affect driving, such as fatigue and drowsiness. You will only have to stop driving while you are taking the medication just to be on the safe side. Once you stop taking the pills, you will be able to start driving again.

Fingers crossed you never have to give up driving for any of these reasons!

 

5 Essential To Consider Before Buying Your Next Vehicle

Anyone that has ever bought a car knows that there is a lot to consider before you make your financial choice. In fact, it can be highly confusing and even a little frustrating, because just as you think you have considered all the factors, you discover another one to think about. Luckily, you can avoid this if you check out the comprehensive guide below.

#1 Cost

downpayment

For most people, the overall cost of the vehicle is something that cannot be ignored. After all, it does not matter how much you love a particular make or model, if you haven’t got the money, or can’t get the credit to cover it you will have to go with something else.

However, it’s also worth noting that the way in which you purchase your vehicle can affect the cost. This is because you can use credit and end up paying more over the time you are paying it off, yet still be able to meet the monthly payments, and so work it into your budget.

#2 Running cost

Closely linked to the cost is the economy of the vehicle that you wish to buy. This may include the monthly payments, but also the cost of fuel, and how much its uses, as well the other fees such as MOTS, servicing, maintenance, road tax, and insurance.

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Here it’s worth noting that the better fuel economy your vehicle has, the better for you wallet it will be because you will get more miles to the gallon.  

#3 Age

old car

Next, when researching your next vehicle purchase, it’s essential to consider whether to buy new or used car with your hard earned money. There are two extremes here, with some folks only ever going for brand new vehicles that they can drive off of the forecourt, while others will only ever purchase vintage cars.

Although, many people find that the most economical approach is something in between, which usually entails buying a used car that is still in good condition.

#4 Fuel

picture of an oil rig

Closely linked to the model and the economy factors is the fuel type for the car you are going to buy. Traditionally this used to be a choice between petrol and diesel.

However, as all new petrol cars come fitted with a catalytic converter since 1993, the choice has widened. Of course, that doesn’t even account for the additional options of hybrid and fully electric cars that we are now starting to see on the market as well. The latter being something that will have a definite impact on your vehicle choice if you are concerned with the environment and the potential benefits of this sort of vehicle can provide.

#5 Make & model

picture of a mazda cx-f

Lastly, and for some folks most importantly, the make and the model of the car is crucial to their choice. In fact, some people will only invest in Japanese makes like Mazda because they are known for their longevity and reliability. Others prefer cars built in their native country because they feel they are better supporting the home economy.

Then, when it comes to make, the reviews and the status of the latest model all come into play. Something that you can find out more about here and that should help you to make the right decision when buying your next vehicle.