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07Sep
Garden gnomes are making a comeback but as they do they are an increasing target for thieves a new survey reveals. If your garden belongings have been stolen and your finances cannot stretch to replace them a national payday loan could help.
The age group 18-24 year olds account for 16 percent of ownership second only to the over 55s of who account for 18 percent the MORE TH>N Garden Study found.
However, as more celebrities adopt gnomes for their gardens including Rio Ferdinand, the act of stealing gnomes (‘gnoming’) becomes commonplace with 27 percent of owners claiming at least one of their ornaments have been stolen.
“In many ways gnomes are a British institution so it’s great to see they’re moving with the times and enjoying a resurgence,” said Pete Markey, MORE TH>N spokesperson.
“Gnoming is already a problem and it could become more prevalent if people don’t start taking the issue of garden security more seriously. British gardens nowadays contain many valuable items and leaving them exposed is the outdoor equivalent of leaving the front door open, providing easy pickings for thieves.”
Garden theft is also not restricted to the garden gnome as the survey also showed 28 percent of us have experienced a theft with barbies, patio heaters to plants being swiped.
Security could have a huge impact on these figures as only 15 percent claimed the best they could do to protect their belongings was put them in an un-locked shed and 35 percent take no garden security at all.
A National Payday Loan
To either fund the replacement of stolen garden belongings, or to buy a lockable storage facility to prevent it from happening, a national payday loan could help provide the funds. Only £20 is charged per £80 borrowed and most people are eligible if they are in work and are able to repay the loan with their next pay check.
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06Sep
Brokers are fighting harder to get claims paid during the recession as insurers become stricter, new research shows. If you are waiting on a claim and are experiencing cash flow problems as a result a 24 hour payday loan could help.
The British Insurance Brokers’ Association (BIBA) found 67 percent of broker respondents said they had to get tough with insurers on behalf of customers to get claims paid, as 93 percent regularly negotiate up to 20 percent uplift on claims settlements.
This situation has deteriorated since last year with almost a 10 percent increase in brokers admitting to having to fight harder due to stricter policy interpretations and anti fraud-systems by insurers.
“This is strong evidence to demonstrate the value of the broker and we plan to use this in every way that we can to promote brokers to wider world,” said Eric Galbraith, BIBA chief executive.
“I also recognise that with fraud being a major issue, there is a need for insurers to validate claims. However these statistics seem to suggest a too frequent reduction in the amount offered in claims settlements.”
BIBA has shown the benefits of using a broker to settle claims as with one case the settlement on water damage put forward was £4,500 and after discussion it was eventually settled at £20,000.
A 24 Hour Payday Loan
If you are struggling with cash flow problems as a result of an insurer failing to pay out on a claim, a 24 hour payday loan could pay for the costs or help you make ends meet before your next payday. Up to £750 can be borrowed if you are over 18 and in employment.
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03Sep
Families and friends will be dusting off their hats and flocking to weddings around the country as this weekend is set to be the most popular for couples to tie the knot. If your finances are struggling to stretch to pay for the cost of attending a wedding a fast online payday loan could cover it until you are able to repay it from your next pay check.
Specialist wedding insurer Ecclesiastical found that Friday 3rd – Sunday 5th September is the single most popular weekend for getting married in the UK, based on the number of wedding insurance policies they have sold this year.
A massive 2.5 percent of this year’s entire weddings will take place this weekend, moving in line with the growing popularity of September weddings, a change from 2009 when July weekends were most fashionable.
“It’s easy to understand why this weekend is so popular with brides and grooms,” said Dave Simms, Ecclesiastical’s personal lines insurance manager.
“There is a clear shift to Friday weddings and Sundays are increasingly avoided for the big day. This again is no surprise as having your wedding on a Friday will enable you to prolong the celebrations throughout the weekend.”
The second most popular weekend to get married is the 10-11 September followed by 17-18 July, and 24-25 July after that.
In 2008 the National Office for Statistics showed there were in total 270,403 weddings in the UK.
A Fast Online Payday Loan
Guests typically have to pay for travel, their own outfit, accommodation, drinks and of course a gift when going to a wedding, amounting to a pricey weekend. If you are unable to finance all this in one go a fast online payday loan is a good way to cover the cost, where £750 can be borrowed at one time, paid back with the borrower’s next pay check.
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26Aug
An average of £122 is expected to be spent on children’s back to school essentials this September despite the nation still struggling in the recession. If you are unable to provide the funds for a new school uniform a payday loan advance could cover the cost until your next pay day.
Nearly half of parents expect to spend more on these items than last year, however 27% plan to cut back on the amount of extracurricular activities they currently pay for according to new research by LV=.
A total of £709 million is predicted to be dished out on school basics including uniforms, stationery, sportswear and winter coats. Parents living in London will be paying the most for the preparation with each family spending on average £158 per child, £30 more than the nation average.
“It is surprising that many parents are responding to increased money pressure this year by spending more on back to school basics; clearly kids come first despite the downturn,” said Mark Jones, LV= head of protection.
“It’s even more surprising that many parents are spending more despite looking at ways to be frugal and economise, by purchasing from cheaper suppliers such as their local supermarket or eBay.”
Payday Loan Advance
Cost cutting solutions however are predicted to increase with 18% of parents suggesting they may persuade their children to walk to school instead of travel by car, and 16% are considering school dinners if they work out cheaper than packed lunches.
The Cost of a Child study by LV= released earlier this year also showed a parent is likely to shell out more than £201, 000 on raising a child from birth to the age of 21, amounting to £9,610 annually, £800 a month or £26 a day.
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25Aug
Female shopaholics have an average annual debt of £3,353 from shopping sprees with 74% using a combination of credit cards, overdrafts and loans to fund the addiction. To prevent going into your overdraft and incurring hefty penalties a cheap payday loan could be a suitable alternative.
A massive four million women have unsecured debts of £13 billion in total and research carried out by uSwitch.com found 41% of them ignore their overdraft limit to purchase a ‘must have’ item.
Furthermore, it is not just women who are held in the grasps of overspending with what are termed ‘metrosexual’ men also embracing the new wave of internet shopping. Three million male shopaholics have been revealed to have racked up shopping debts of £3,425 each.
“Despite the financial constraints, women have carried on copying the lifestyles and shopping habits of their idols and ignoring the debt they are racking up in the process,” said uSwitch.com director of consumer policy Ann Robinson.
“This spend-emic has spread and it’s clear that men too have caught on to the joys and perils of shopping.”
While women spend more on high street clothes, the research revealed men have more expensive taste spending over £570 annually on designer clothing which is nearly double the £300 of female shoppers.
Men have also been increasingly found to spend more on personal grooming with the average male dishing out an average £338 a year on skincare and cosmetics which is more than the female average of £191.
A Cheap Payday Loan
Credit card bills and overdrafts can often come with hefty penalties and shopaholics could start to find it hard to get themselves out of debt. With a cheap payday loan you are required to pay back the loan with your next pay check which limits your shopping habits to items you only really need but cannot afford before your next pay day.
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24Aug
Half of Brits leave their properties empty while away in the summer a new survey has found, making it an easy target for burglars. If your house has been burgled or you are looking for funds to take out insurance, a loan until payday could cover costs not usually included in your monthly budget.
A huge 51% of Brits will leave their property empty in August and of these, almost a quarter admitted they would not ask a neighbour, friend or family member to keep an eye on their property while away M&S Money showed.
Worryingly, 17% of people admitted that they conceal keys outside their property at some point while away, and two thirds with neighbours, family, friends or someone such as a dog walker.
“With August being one of the most popular months for people to go away, we would urge homeowners to take appropriate steps to ensure their home is secure while they enjoy their holidays,” said Andrew Ferguson, M&S general insurance head.
“It is important that security measures you take are in line with the terms and conditions of your policy to ensure you have adequate cover should the worst happen.”
London was also recently found to have the highest reported burglaries in 2008/9 causing the 1 in 4 who have no home contents insurance to consider a loan until payday to fund the recovery.
This research by Yorkshire Bank Home Insurance of 375 Local Authorities found London had a total of 92,759 reported burglaries last year closely followed by 82,706 in the North West.
A Loan until Payday: short term cash loans – you can apply online and borrow up to £750, with no faxing or paperwork required.
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23Aug
Grandparents are tagging along on many British summer holidays this year as new research shows their childcare services are invaluable. A small payday loan could help cover extra costs a trip abroad could incur or extra childcare expenses.
A third of grandparent across the UK said they regularly holiday with their children and grandchildren for the sole purpose to provide childcare the RIAS ‘Summer Holiday Helpers’ study revealed.
When they are not abroad, 51% of grannies provide childcare in their own house – meaning for many children this is becoming a holiday home. This is due to many parents having to return to work because of the economic climate, 26% of grandparents agreeing.
“The extended family holiday is enjoying a comeback and that grandparents really are at the heart of many families,” said RIAS managing director Janet Conner.
“As working hours get longer and the impact of previous years’ economic turmoil hangs over us, it looks as though parents are relying on grandparents more than ever before, especially over the long summer holiday break.”
Over half of over 50s grandparents, equivalent to 7.5 million, regularly provide childcare, and 50% of these claim their duties increase during school holidays. Additionally, nearly all of these grandparents, 98%, provide the service for free the RIAS ‘Summer Holiday Helpers’ study found earlier this summer.
The time grandparents spend providing childcare over the summer holidays amounts to £558 if parents had to pay for it, saving the UK parents a total of £806 million a year.
Small Payday Loans
If you are unable to rely on grandparents and need extra help to pay for childcare over the summer period a small payday loan could help. Up to £750 can be borrowed with the funds deposited into your bank account that or the following day.
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20Aug
With a massive 35% of parents’ valuables broken or stolen due to unsuspecting house parties for A Level celebrations a cheap payday loan could help pay for the damage.
A worrying one in ten under 18s who have hosted a party in their family home have done so without their parents’ permission, however the results from the Post Office Home Insurance survey shows this does not necessarily reduce the risks.
Of these, 27% had valuables broken and 8% stolen, and one of the extra problems these young hosts deal with is the amount of gatecrashers. A huge one in twenty hosts suspects their unwelcomed guests to have learnt of the party online.
“Any would-be student hosts out there should always remember to seek their parent’s permission first,” said Post Office Home Insurance head Gerry Barrett.
“A level and GCSE students will understandably want to celebrate to mark their exam results this summer, so the best way for parents to relax is to make sure they are prepared.”
The summer holiday period is traditionally seen as a time to relax and unwind, but new research shows that the average family will need to find more than £2,000 in extra money to live this summer.
Research from leading payday loans broker Payday Bank has found that on average UK families will need to find an additional £2,273 to cover the day-to-day costs of the summer months.
Cheap Payday Loan
To cover damages from unknown parties a cheap payday loan could cover the cost. At a charge of only £20 for every £80 borrowed, this is an affordable and easily accessible form of short term lending.
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19Aug
An incredible 25% of us would lick the pavement for £400 new research reveals, highlighting the extreme lengths people would go to for extra dosh. A more hygienic option however is a quick cash payday loan which enables people to borrow money to cover them until their next payday.
Men were found to be more daring when it comes to completing crazy tasks for cash as 61% would wait in a queue for four hours compared to 53% of women according to moneysupermarket.com.
A further 27% of men would be willing to undergo medical experiments for cash while only 20% of women would, however women outdid men when it came to filling out a form for a competition with 78% willing, compared to 73% of men.
“We all like the idea of getting something for nothing and it’s clear from our research that a large proportion of the UK public are prepared to go to some quite extreme lengths for some free dosh,” said moneysupermarket site editor Clare Francis.
“There are so many ways consumers can earn free cash without having to lift a finger and we’d encourage them to spend five minutes online to get their money working harder for them – surely that’s better than licking the pavement?”
Writing a 1000 word question essay is also a popular money making scheme with 54% of men prepared to undergo the task and 53% of women.
Quick Cash Payday Loans
If money is tight and you would seriously consider one of the above tasks a quick cash payday loan could be a suitable alternative. It only takes a few minutes to apply for and eligibility is based purely on your ability to pay the loan back by your next pay day. This form of lending is a means to aid cash flow in the short term to help fund something not usually included in your monthly budget.
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18Aug
Bargain hunters searching the web for special offers are likely to spend as much as 50% more online than the value of the discount, new research reveals. If you are on the look out to bag a deal consider an express payday loan to cover an expensive month.
New research from PayPal found 43million of us constantly look for promotions – an increase of 1.5million from 2009 and an indication of how people are coping in the current economic climate.
A further three in five shoppers have used discount vouchers or codes in the last six months and over half of online browsers look for slashed prices on even the small purchases.
“Online bargain hunters are often the biggest spenders,” commented Cameron McLean, PayPal UK Merchant Services general manager.
“That’s good news for retailers, as they recognise that lower prices can be good for business. But it’s also great for a new generation of shoppers who expect to get better value for money.”
Women unsurprisingly are the biggest culprits when it comes to bargain hunting with 93% always on the lookout compared to 84% of men.
A massive 18 million British adults were categorised as obsessively looking for bargains using every money-saving tool available, and the 25-44 age group were the most likely to act this way while one in 6 over 65s hardly every do.
“I think most people are looking to make their money go further rather than cutting back,” said Sue Hayward, author and personal finance journalist who contributed to the report.
Londoners and people in the West Midlands are the least thrifty with 13% of them rarely seeking out a deal as opposed to the South West and Wales where 41% of shoppers admit obsessive promotion shopping.
Express Payday Loans
For bagging that bargain or shopping when the prices are low an express payday loan is a suitable short term option to aid cash flow between paydays. Payday bank offers up to £750 for which there is a £20 charge per £80 borrowed.
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