Monthly Archives: July 2016

2015 saw nearly half a million homes burgled in England and Wales. While this number continues downwards, for the victims burglary can be a traumatic experience.

One option for keeping your valuables safe and out of the reach of burglars is to consider having a eurogradesafe installed in your home. You can buy home safes that can not only protect valuables from theft they can also protect them from fire as well.

The range of home safes from which you can choose is vast. Depending on the type you choose the average cost can be anywhere from £50 to over £1,000 for a top of the range model. Deciding what type of safe you need will come down to how much you need to protect and the locking mechanisms. Where either space is limited, or you don’t have a lot that needs protecting then a small safe may be appropriate. The larger safes are better where you have a lot more to store, especially A4 documents for example. As for locking the safe, most come with either a key lock or a digital lock. The key lock is the more traditional locking mechanism while the digital safe relies on the entering of a pin code onto a numeric keypad. Since batteries power the numeric keypad they will eventually run down. Digital safes also supplied with a set of emergency keys to unlock them in situations of emergency.

When buying a safe, it is worthwhile checking with your insurer if they have any conditions on the type of safe you should have. Equally, buying one that has industry approval can be helpful. In the UK you should look for safes that have Association of Insurance Surveyors (AIS) approval.

Generate revenue is an aim of every businessman so they have to develop a business to make money very easily. In the business field every businessman needs to set and follow some strategies to avoid loses and get more money benefits. Business number is not too lengthy so most of businessmen want to own convenient business numbers to make customer easy to call them at business time. Actually business numbers available in different packages and features so businessmen need to pick one that must be convenient for customers. The phoenixtelco is one of the service providers of business numbers. A businessman could get flexible business numbers from phoenix telco service provider.

The importance of premium rate business numbers

Every customer has to make a call to company for several reasons and company can reduce the efforts of customers by using premium rate business numbers. The income is also possible by using premium rate business number so businessmen no need any hassle to set up a premium rate service for their companies. Actually 09 number is a premium number and every received call can make money. It is highly great for tele-voting, competition lines and other necessary technical support lines. The businessmen not necessity to change their number and 09 number automatically sets on top of their present phone number.

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The Features of Premium 09 Numbers   

Phoenix telco is simply a right option to get business numbers because of its features. The premium rate numbers could be beneficial for people who want to get it. They only enough to spend one time charge $25 to continue the effective customer service. The people not need to pay any monthly rental. The premium rate business numbers can help people to generate revenue from every received call of customers.

For anybody who wants a short cash injection to see them through a financial difficulty, then a payday loan is an attractive option. As long as you understand the penalties for not paying the cash back on time and the high cost of borrowing, it may be a solution that – although not perfect – will do the job.

What is a payday loan?

A payday loan is a short-term borrowing option lots of people use to help them reach their next salary cheque. They are convenient, quick to take out and often will be favourable even towards people with bad credit history.

What do you pay back in interest?

For this sort of loan, the lender will typically charge a fee rather than interest. An example would be that a £100 monthly loan would attract a fee of £25. This means that you borrow £100 and pay back £125. If you put this up against the interest charged on a bog-standard credit card at an APR (Annual Percentage Rate) of 20 per cent, then it would cost £20 to borrow £100 for 12 months. This is £5 less than a payday loan but is not ‘like for like’.

To use APR for a payday loan would be a meaningless exercise as they are so short. The borrower is paying for the convenience. It’s a bit like buying frozen lasagne, rather than putting the ingredients together yourself.

Legislation

The FCA (Financial Conduct Authority) have put into place rules that will govern the cost of borrowing for people taking out payday loans. The new legislation strikes a balance between helping the consumer get over their financial shortfalls for the month, and enabling lenders to make a reasonable profit. This should help take out the ‘bad’ payday loan lenders from the sector, by making sure that a borrower never gets into a contract and has to pay back double. The FCA hopes that this will also put an end to ‘spiralling payday debts’.

The result is that if a borrower pays back the loan within the time stipulated in the contract, there is now substantial legal protection. This will include, a cap per day of 0.8%, £15 fixed default fees, and 100% total cost capping.

The Changes

From January 2015, if you borrow, you will never pay back double the amount. If you take out a payday loan for 30 days and pay back on time, you will not be charged more than £24 in costs and fees. You may find it useful to compare payday loans online to find the best deal.

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