Finance Tips for First Time Buyers

Purchasing a home is an exciting milestone in life but is accompanied by many financial issues which, for the first-time buyer, can be confusing and complicated. Before stepping onto the housing ladder, consider these tips for financing your first property to help make the process as smooth and stress-free as possible.   Raising your Deposit The 100% mortgages which suited first-time buyers are pretty much a relic of the past, with some lenders requiring deposits between 10% and 25...
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The pros and cons of commuting to the capital

There can be no denying that from a career perspective, London is the place to be. The capital is the centre of the UK's business world and most Brits who dream of climbing to the top of the career ladder find their way here eventually. However, while London is a great place to work, it's not always the ideal place to live. Whether it's the vastly more expensive house prices or the noise, traffic and sheer amount of people, many individuals choose to live outside of the city and travel in for...
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MYJAR

Many people in today’s society deal with debt on a daily basis. Loan sharks have been circling for years, feeding on the interest repayments of people that can’t afford to pay back what they borrowed. People borrow to pay off debt and find it extremely difficult to break this chain once they have been tempted into accepting a large loan amount. One of the main issues with our culture of debt is that loan companies encourage people to borrow what they can’t afford to repay by offering loan rollov...
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Five Ways to Stay Connected with International Clients

International clients are the only way to really expand. You need to be able to get offshore and spread out to get as much of the market share as possible. You need to keep international clients happy. Here are some basic steps to achieving that around the world business happiness that is so good for profit margins. The bottom line is keep things simple, go out of your way if you have to and remain informed. Memorise the Time Differences This is thing one and it needs to be thought of at a...
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Creating a cost effective and efficient work environment

Small businesses are often challenged by the dual issues of cost effectiveness and efficiency. On the one hand, it's important to keep budgets in check. Many businesses - particularly small organisations - need to watch every penny and operate under very strict guidelines when it comes to spending money. But at the same time, there are some very worthwhile investments that can help you operate a more cost-effective business overall by making processes and procedures more accomplished. ...
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Tax liabilities for contractors

Once you enter the world of contracting there is an increased level of responsibility regarding your taxes and finances. There are various ways to handle your taxes - you can choose to do them yourself, you can employ an accountant or you can work through a contractor umbrella company. Whichever method you choose it is very important that your taxes are paid according to HMRC legislation. Pay them on time Declaring your taxes can be a complicated process, especially if you are used ...
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Interest Rates

When you are considering taking out a loan or a mortgage something that you should also consider are the interest rates.  Interest rates can vary for a number of reasons and it is usually a combination of the amount of money borrowed, the amount of time set for repayment, and also how reliable or safe the borrower is.  Another way to understand what interest rates are is that they are represented as a percentage of the principal amount borrowed and are set by the lender.  They are also often cal...
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Debt: The importance of getting the right advice

Think of the sum of £6,000. It's a large amount of money, even in this day and age - a figure you might associate with being able to buy some of the more expensive and exciting things in life such as several holidays or maybe even a car. But for UK households, it has a rather less enticing meaning, as it is the average amount of debt that households in this part of the world are in, recent figures suggest. More specifically, in June this year household debt was at a level of £5,986 on ...
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Three legal reasons you might need a family lawyer

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Family arguments and disagreements are usually settled amongst the people involved, but sometimes serious issues need outside intervention which can involve lawyers and court actions. The area known as 'Family Law' deals with family-related matters and domestic relations. In the UK the three separate legal jurisdictions of Scotland, Northern Ireland and England and Wales have their own different systems of family law. This means that things could proceed slightly differently depending on ...
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Tips for expanding your profits through eCommerce

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There's been a lot of media fuss recently about the supposed death of the high street. There's no denying that the burgeoning popularity of online shopping has had an impact on traditional shops and stores. If your business has been hit or you're simply looking for a way to expand your potential profits and sales base, it might be worth taking the plunge yourself.   Reappraise your website Your website will act as your virtual shop window. It should reflect your company, your mission an...
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