The ending of debit card and credit card fees and surcharges

Have you ever gone to pay by card and been informed that “there’s a flat fee of £2.50 per transaction”? Or something similar. The practice of paying that little extra top up, in addition to the purchase price, is something that most of us are very familiar with. Every business seems to do it and it’s become a widely accepted practice. Well, not anymore. From 13 January 2018 that is set to change, as the government is introducing new rules that mean consumers cannot be penalised for choosing one kind of payment method over another. What are the rules about fees right now? The current rules on credit card fees and extra payments are supposed to prevent companies from profiting from an extra percentage on top of the purchase price. Most of us assume that we’re paying more to complete a transaction by credit card because the retailer has to pay a fee to process that transaction. However, that’s not always the case. Even under the current rules, retailers are not supposed to p
http://bit.ly/2v1RjJ8

The Pros and Cons of being a Traveller

Having a home of your own is the goal for the large majority of us. But, for those looking for a bit more freedom, bricks and mortar can feel like a bit of a trap. So, what happens if you choose a life of no fixed abode? Whether you’re living on a canal boat, enjoying life as a traveller or sofa surfing among your friends, what are the pros and cons of not having a permanent address and how do you get by? The advantages of being a Traveller Freedom from onerous payments. Rent and mortgage payments cause a serious headache for those who have to think about them. Both are susceptible to go up and neither is cheap. According to the HomeLet Rental Index the average monthly rent in the UK is now £908 and mortgage payments upwards of £800 – not having to factor that into your monthly budget makes a pretty big difference. Avoiding the cost of bills. Utility bills are another headache for renters and homeowners – this year UK households are facing gas and electricity bill rises of up
http://bit.ly/2uBsfx8

So you’re over 35. What can you do to prepare for the coming job revolution?

Do you hate your job? Maybe you feel like you’re just having one long bad day in the office. According to research from Vodafone, those aged 31 – 35 are the most likely to be unhappy at work. The main reasons for this are feeling undervalued, feeling under motivated and being unfulfilled. The main consequence could be a desire for a complete change of direction at age 35+. But is this really possible? Given the competitive nature of the jobs market and the fact that artificial intelligence (AI) and automation could make many of today’s employment opportunities irrelevant ten years from now, is this really a wise move – and if so what are your options? Work out what you want Step 1, whatever stage of life you’re at, is to figure out what you want to do next. Being generally unhappy in your job isn’t a good reason to try something new. If you don’t have a genuine desire to do something else then it’s often worth looking at other, less drastic options. Could you ask for a
http://bit.ly/2uv6eA7

Can it ever make sense to have a Store Card?

Store cards used to seem like a great idea. If you regularly shop with one retailer then a store card acts just like a credit card but specific to your favourite brand and with lots of benefits – doesn’t it? Although the idea may be sound in principle, store cards have recently been labelled “the devil’s debt” because more than two thirds of the cards on offer come with interest rates on purchases of 25 – 30%. So, is it ever going to be worth making purchases with a store card? Why do people have store cards? As well as the convenience of buying without cash, store cards have a number of other benefits too. Many offer discounts on purchases – the New Look card, for example offers 20% off a second purchase – and if you have a store card at somewhere like Topman then you’re entitled to free delivery every time you buy online. Store cards come with a credit limit just like any other credit card. However, these are frequently increased over time as customers remain loyal
http://bit.ly/2uFwSBn

34 Top Songs about Money, Aspiration, Wealth and Debt!

Love and money are the two things that probably pre-occupy people more than anything else. Everyone aspires to finding that perfect relationship and everyone desperately wants to have enough money to get by. In reality everyone wants more than just enough they want real wealth how else can you explain the success of the National Lottery or the preparedness of many to gamble? But what we thought was odd was the apparent lack of really great songs about money about people s aspirations, frustrations, achievements, weaknesses and failings. When you think about it just about every other song is about love and relationships! We just had to track down as many great money songs as we could. Our Top Money Music Tracks After much searching here are our top 34 songs about money, bread, dough, moolah, skrilla, spondulix, lolly etc. They re in no particular order but if you want to rank them then please do so in the comments below: Which of these would be your top 3, your top 5 or your top 10? Su
http://bit.ly/2um485G

Is it finally time to buy an electric car and join the party?

There used to be a time when an electric car was a serious novelty. The idea of being able to plug in a car and charge it up like a mobile phone was a bit of a conceptual leap for some. Today, however, that’s no longer the case. By the end of June 2017 new registrations for plug in cars had reached 105,000 – up from just 3,500 in 2013. Many major manufacturers now offer electric vehicles as part of their range and more and more drivers are switching on to the benefits of leaving petrol behind. So, is now the time to buy an electric car? The cost of buying an electric car In the early days the cost of manufacturing electric vehicles meant that the sale price was pretty high. Motorists would pay a premium to buy but then make savings later, such as the cost of fuel and avoiding the Congestion Charge in London. Now, however, electric car costs are dropping fast. A 2017 forecast by the investment bank UBS predicted that electric cars would soon be on a level, price-wise, with your sta
http://bit.ly/2uyFdGW

Last minute tips for your Summer Holiday preparations

Given how much of the year is spent longing for the summer holidays it’s amazing how quickly they come around. One minute it’s Easter, the next you’re a day away from jumping on the plane and you don’t even have so much as a mosquito repellent to pack. Avoid being caught out before your summer hols this year with some hot tips for getting ready. Summer Holiday Top 10 Hot Tips Use e-tickets. We’ve all had that last minute dash to check in only to remember that the tickets/boarding passes we carefully printed out are sitting at home on the kitchen table. Give yourself one less thing to worry about this summer and use e-documents that you can access via your phone. Take a kindle. If you’re the kind of person who can’t holiday without filling half your suitcase with books then switch to a Kindle this year for a much less stressful (and lighter) travel experience. When you’re buying travel insurance look further than the price. Insurance comparison websites will give you a
http://bit.ly/2u9JZPY