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.

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.

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.

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.

Payday loan users have quadrupled in numbers over the last four years, as more and more consumers begin to see pay day loans as a fast and convenient form of credit.

Since 2006 the number of people taking out payday loans has increased to 1.2 million borrowing a combined £1.2 billion according to a study by Consumer Focus.

“With the credit crunch, demand for short term borrowing has significantly increased despite the eye-watering interest rates charges by some payday lenders,” said Consumer Focus financial services specialist Marie Burton.

On average the research ‘Keeping the Plates Spinning’ suggests borrowers take out an average of 3.5 loans a year with the average size of a payday loan estimated at £294.  About two thirds of payday loan users have a household income of less than £25,000 and users tend to be young and single with over half under the age of 35 and 60% not married or cohabiting.

It is predicted a potential rise of borrowers could increase by a further 45%, and the reason for their popularity is down to their convenience and it is easy to understand how much it will cost to repay the loan.

A Payday Loan with Payday Bank

At Payday Bank we urge those to take out a payday loan as a short-term option to simply fill a gap between paydays as an aid to cash flow.  Our service is quick and simple to use with no strings attached, however it is up to the individual to ensure they pay the loan back on time and stay on top of their own repayments.

Action has been made on four online rogue traders who deceptively sold consumers European Health Insurance Cards (EHICs).  If you have been scammed and as a result are in need of extra cash to get through the month, consider applying for a small payday loan.

This enquiry follows the Office of Fair Trading (OFT) Annual Report which stated it had saved consumers at least £359m per year on average by raising consumer awareness of scams and rogue doorstep traders through competition enforcement, consumer protection, merger and markets work across the economy.

The OFT EHIC investigations found online traders were charging consumers around £10 per application – tricking the customer into thinking their site was the official one.  Formal undertakings have been signed by three of the traders to not engage in deceptive selling practices.

The EHIC is particularly in demand this time of year as it provides UK residents with access to state-provided healthcare in European Union countries, and can be obtained at no cost from the NHS website.

“People seeking to obtain government funded services such as an EHIC should check carefully that they are using an official government website,” said Heather Clayton, OFT’s Consumer Group Senior Director.

“While it is not unlawful to charge money for a reviewing and forwarding service, traders must be clear about the product or service they are offering, and not trick consumers into parting with money for services they don’t want.”

The OFT investigation was launched in March 2010 and concluded that the traders had breached the Consumer Protection from Unfair Trading Regulations 2008, as the websites mislead the customer by mimicking the EHIC brand and omitting important information.

A Small Payday Loan

Whether you have been a victim of the EHIC scam or another, and are struggling to make ends meet with a holiday coming up, a small payday loan could help see you through until your next payday.  Most people are eligible for a loan if they are in employment and can pay it back usually within 31 days.

Families are facing an average loss of £125,000 of earnings from the five years almost half of UK parents take off after their second child – an instant approval payday loan could cover cash-flow problems within this period.

A huge four out of ten families feel it is not worth both parents working full time after the birth of their second child with the cost of full time childcare amounting on average to £17000 annually, the Aviva COTS research found.

“If a parent gives up work this often means the family needs to tighten its belt financially,” said Louse Colley, Aviva head of protection marketing.

“Children have a huge financial impact on a family – and this can sometimes mean double trouble when a sibling comes along!  This is why protecting the family is so important, perhaps even more so when there are more mouths to feed.”

Following recent budget proposals to remove Child Trust Funds and Health in Pregnancy grants, families may start to struggle more than ever.

Previous research has also found parents are the main source of income for the University cost of their children with a massive 23% of parents prepared to sacrifice their annual holiday to help pay the financial burden of their child’s University fund.

A Fast and Effective Payday Loan

An Instant Approval Payday Loan is a short term cash loan which is available online with no paperwork required.  Up to £750 can be borrowed at any one time, usually deposited in your bank within the next 24 hours.

Fixed rates remain at their lowest level since 1995, new figures from the Bank of England reveal, but what does this mean for first-time buyers in need of short term finance as they stump up the cash for a deposit? Find out how sameday payday loans can assist your short term cashflow needs.

 Since March 2009 the base rate as remained at a record low of 0.5 per cent, putting increasing pressure on lenders to cut their rates. The base rate is expected to be held at 0.5 per cent in the hope to improved affordability for those wishing to buy a property.

The Bank of England report will come as good news for borrowers, who have seen interest rates charged on a two-year fixed-rate deal with a 25 per cent deposit drop to 3.8 per cent this month.

“May’s record-low fixed-rate mortgage deals are a positive thing for the housing industry as a whole, but are unlikely to benefit first time buyers”, says Alison Beech, Business Relationship Director, Spicerhaart.

“Borrowers with little equity or small deposits are likely to be the ones who benefit the most from a low rate fixed term mortgage, but with 25 per cent of the properties’ value required to secure the loan, for many hoping to get a first foot on the ladder this will still be out of reach.”

Sameday Payday Loans for Short Term Money Problems

Fixed rate mortgages are an attractive option for borrowers who want to be certain of their payments, or who fear interest rates may start to rise, but will be largely unachievable for first-time buyers. If you are a would-be first time buyer struggling to pay for a deposit on a new property, the drain on your short term finances when buying a house can be massive. Instead of taking out a loan or storing up future debts with a credit card, perhaps you could benefit instead from a sameday payday loan.

Sameday payday loans are simple, short term loans that you can apply for online in a matter of minutes. If you are over 18, resident in the UK and in employment earning more than £750 each month, then getting a small cash payday loan should be guaranteed.

The Bank of England has kept interest rates at the historically low 0.5% for the thirteenth month in a row.

While the interest rates news was widely expected to remain the same given the fragile economic recovery, the news on interest rates has drawn severe criticism from savers.

One in five UK adults believes that they have suffered a severe drop in income as a result of the historically low interest rate. 41 per cent of people say the true value of their savings is falling daily due to rising living costs and rock-bottom savings rates, according to www.saveoursavers.co.uk

While low interest rates usually mean good news for borrowers looking to access cheap finance from the banks, as thousands of people have discovered this is no longer the case during this recession with banks reluctant to lend to all but the safest of prospects. Short term cash loans are proving the most difficult to come by.

If you are in need of a small cash loan and are having difficulty finding a loan from your bank, a payday loan is a convenient way to solve your short term money needs.

Read more at:

http://newshourly.net/britain/news_961775.html

http://orchard-shipmanresidential.com/news/property-news/2010/04/08/bank-of-england-maintains-bank-rate-at-0-5/

http://www.sendmoneyhome.org/blog/?p=2105

The Bank of England yesterday maintained bank interest rates for March at 0.5%.

While the decision to hold interest rates was widely expected to be kept at this level, in particularly in light of the forthcoming budget and General Election, many analysts believe that the future will put a considerable strain on British household income.

Ben Thompson, Director, Mortgages at Legal & General believes that political forces will significantly influence the overall economic picture this year, explaining that tax hikes were ‘inevitable’ to tackle the gargantuan Government debt.

“This will hit the pockets of British families, tempering their spending,” he said.

Cash Strain for Families in Need of Money

The coming months are likely to put an increasing strain on pay packets, with more and more Brits looking to access cash till pay day to be for additional bills, overdraft charges or emergency items such as household maintenance or vet’s bills.

Pay day loans are quick easy cash loans that could meet your financial needs. You do not need to fax anything to apply and you can usually get the money paid direct into your bank account within 24 hours.