Archive for the ‘Financial Reviews’ Category

Know the Features You Need Before You Shop (136/365)

If theres one thing I suggest that people do before they go shopping for any reasonably expensive item, its that they make a list of the features they actually need before they go and stick to that list.

There are several parts to that simple suggestion, though.

First of all, how do you know what features you need? Often, the assumption is that you have to know some things about what the product can do before you can decide which ones you need.

Thats a bad assumption. Not knowing what you want before you go shopping makes you into a target for a salesperson.

The best approach is to sit down and ask yourself why exactly youre even thinking of making this purchase in the first place.

Why are you thinking of buying that camera? That phone? That washing machine?

You might think the answer is really obvious, but when you actually think about the question for a little bit, it becomes much harder.

For example, you dont buy a cell phone because you need a cell phone.

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Women value loyalty cards more than men

New research reveals that women use store loyalty cards more than men in order to save money. However, neither of the sexes is consciously planning their finances to make the most of long term savings products.

Research from Standard Life’s ‘Financial Efficiency’ study has revealed that more women are using loyalty cards across the UK to take advantage of potential savings.

According to the research, the increasing use of loyalty cards was instigated by the poor economy as 11% more people are collecting points on loyalty cards now in comparison to the start of the financial downturn in 2009.

Julia Russell, from Standard Life, said: “Since the launch of store loyalty cards in the 1990s, they have become one of the most accepted ways of trying to save while spending.”

More than half of women (56%) in the UK have adopted various loyalty cards in an attempt to save money when spending.

In comparison, not even two in five men (37%) make the effort to save money through loyalty card schemes.

The use of loyalty cards has definitely become a growing trend as 11% admitted to using them more now than when the recession first began in 2009.

The research showed that individuals aged between 35 and 44 used loyalty cards the most (50%), while 42% of individuals aged 18-34 have taken up loyalty cards. 27% of

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How to protect your account transferring money online?

Sending money abroad through money transfer online is the modern way to do banking and long distance is not a problem anymore with the use of the Internet. This is the number one choice to send and receive money. In most cases, individuals who use the online money transfer are those who are busy so much that they are unable to go to the bank or money transfer service center to send money. With the help of a high speed internet, these people may now be able to access their accounts at Caxton FX Money transfer and send money instantly to any part of the world.

This innovative method in the transfer of money online is growing rapidly and has benefited millions of users worldwide. However, beside great advantages in terms of sending money through the Internet, there are risks involved, which is sometimes unavoidable if you do not follow the correct settings in the protection of your transaction. How to protect your account against scams and hackers on the Internet?

In most cases, accounts are caused by foreign infiltrators to access your account without your consent. Read all post…

Short Sale Process Tips to Keep Your Sanity

Are you counting down the days until you have short sale approval? Here are some tips to keep sane during the process.

If you’re not clear on what a short sale is, check out this article. If you’ve already put an offer on a short sale, know that you are not alone. In 90 days your hair will have grown three inches, and you may or may not have approval on your short sale.

To stay sane, decide three things:

Don’t put your life on hold.

Don’t lose sight of your personal goals despite the waiting process. Don’t stop writing, blogging, reading, working out, eating healthy, studying, making music, painting or whatever program you’re in! Sticking with your personal goals will make the wait that much more worth it, and let’s face it – there’s time to kill.

Stay positive. Remember why you put in your offer in the first place. Great location? Bigger space? All the amenities? You have already

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Expect a different statement this year credit card holders

On the anniversary of opening a credit card account cardholders can expect to receive their first annual statement that includes spending, fees and costs incurred over the past 12 months.

The UK Cards Association in partnership with the Department for Business, Innovation and Skills has developed the new annual statement.

For the first time, customers will be able to see at one glance how much they have spent in the previous 12 months and what costs and charges were made.

Credit card owners are likely to receive their first annual statement on the date the account was opened. Some credit card companies have already begun sending new statements to card customers.

Melanie Johnson, Chair of The UK Cards Association said: “Annual credit card statements will help empower customers by giving a clear view of how they’ve each managed their plastic over the past year.

Johnson continued: “By clearly setting out costs and charges this industry initiative could help customers get a better deal either by being more savvy about how they use their current card, or by changing to another account that’s a better fit.”

The new annual statements contain the same information to help customers compare cards. T

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Wednesday Roundup: If We Don’t Spend It, We Can Save It.

If We Don’t Spend It, We Can Save It. You may remember that I started a 6 month no spending spree back in January as one of my New Year’s Resolutions. My no spending spree has actually turned into a spending less lifestyle. Tracking my daily and weekly spending has been bitter-sweet. Dinks Finance

10 Ways to Save Money on Groceries Without Coupons. Canadians want to save money on their groceries but many do not want to use canadian coupons to reduce their grocery bill. I wanted to share ten ways to save money on groceries without using coupons. Million Dollar Journey

25 Things to Never Pay Full Price For. What’s so great about this frugal renaissance that we’re experiencing is that there are more ways to save on everyday purchases than ever before. WiseBread

Be Aware of Exchange Rates When Traveling. As I sit here in the airport waiting for my flight, I wanted to share a tip for international travelers… A few weeks ago, I talked about the best credit cards for international travel. Today, I

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