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Five Items You Should Not Purchase Used

There are so many things in the market that are too expensive to buy in a brand new condition. With the increasing number of such items, secondary markets in the United Kingdom have risen to the occasion.

Today, you can find almost any used item at a secondary market. Although some of them are a good purchase, there are certain things that must not be bought used, ever. To make sure you don’t waste your precious money, we have created a list of five products that you should always keep away from while shopping in a secondary market.

Baby Cots

There have been more than a couple of incidents where broken baby cots have caused fatal harm to babies. Some of these cots are so dangerous that several countries have even gone on to ban them from being sold. However, you can still find them second-hand. No matter how cheap they are, you must not buy such cots. Instead, go for brand new alternatives available in a primary retail market.


Risking safety is the most unwise decision you can make for yourself. While buying a used helmet, you might not be able to look for minor scratches and broken patches over it. Such broken helmets can cause a threat to your life which is why it is always recommended to buy them brand new.


Footwear is among the most commonly bought used products in the United Kingdom. This is not recommended mainly because you are at a danger of contracting an infection that the original user might have had. Though the shoes are washed before selling them second-hand, it does not wash away the chances of bacteria being transferred from the primary user to the secondary one.


Never, ever buy used furniture, period. Follow this advice unless you have the magical abilities to cure a possible bed bug infestation. According to a survey, there have already been fourteen reports of bedbugs in the United Kingdom, a number that is expected to rise by the end of the year.

Once they are in your house, they not only ruin your night’s sleep, but also lead to either of the two things: you throw out the entire furniture affected, eventually losing a lot of money: or you take costly measures to eradicate the infestation.

Vacuum Cleaners

Vacuum cleaners are some of the most used appliances in a house. Buying them second hand means buying a worn vacuum cleaner which is going to require replacement sooner. Instead of wasting your money on a used one, a wiser decision is to go for a new vacuum cleaner that will last longer.

Although used products in the market are offered at cheaper prices, they are a bad bet. You get a poor quality product nine out of ten times. Therefore, instead of taking the risk, it is wiser to buy a new product the first time around and get rid of the worry of getting ripped off.…

Payday Loans: What You Need to Know?

Payday lending has grown into a major industry in the UK. As a result of the economic downturn, the sub-prime segment has experienced a significant increase in customers. Millions of individuals use payday loans to meet cash shortfall.

Despite their increased popularity, not many people are fully aware about payday loans. Here we will take a look at some of the important things that you should know about payday loans.

Costs of Obtaining a Payday Loan

The most obvious fact about payday loans is that they are expensive. These loans typically range in size from £100 to as much as £1,500. Prior to 2015, there was no price cap in the UK. However, the FCA introduced a price cap in January 2015 limiting interest and fees charged by lenders to 0.8% of the loan per day. They had also put a cap on default fees and total costs. Lenders cannot charge more than £15 per loan as default fees. Also, the total costs of the loan cannot exceed 100% of the amount borrowed.

Payday Loan Requirements

One of the reasons for growing popularity of payday loans is that they are relatively easier to obtain as compared to conventional loans. Most payday lenders only require that the borrower has a bank account and a steady source of income. Lenders do not usually conduct a thorough credit check to determine whether the borrower can repay the loan on time.

Legal Status of Payday Loans

In the UK, there is no limit on interest rates charged by payday loan lenders. Moreover, there is no limit on the number time a person rolls over of a payday loan. Every payday loan lender operating in the UK must have a licence from the UK Office of Fair Trading (OFT). This is mandatory according to the Consumer Credit Act of 1974. Moreover, the Consumer Credit Act of 2016 also dictates that OFT should ensure that a lender acts responsibly and is fit to hold a license.

Payday loan advertisements are subject to Consumer Credit Regulations of 2004. The regulations specify that the APR must be clearly stated in the adverts. Also, the adverts should indicate that the requirements for obtaining the loan.

Payday Loans Duration

Payday loans are short term loans. They are typically paid back over a period of one to three months. Usually people pay back the loan once they receive their next pay-check. Remember that the longer you wait to pay back the loan, the greater interest you will have to pay on the loan. Rates on payday loans can be up to 2,000%. So, if you roll over or defer paying the loan for more than six months, the interest rate incurred on the loan may be astronomical.

On a final note, payday loans are not for everyone. Typically people obtain these loans for very short duration. These loans can become dangerous if you don’t act responsibly in repayments. Keeping the above points in view will ensure that you don’t fall into a debt hole coming out of which will not be easy.…

Want Your Credit Report for Free? 3 Websites that Do it for Free

Credit reports contain information about your borrowing history in detail. Lenders look at the report to analyze your credit worthiness before giving the loan. A number of companies will gladly take your money to show you your credit report.
However, you don’t have to pay any dime to view the report. Here we will look at three reputable online companies that provide updated credit reports at no cost at all.

1. Credit Sesame

Credit Sesame provides free credit report profile that is updated monthly. The report shows your credit score, debt payment history, balances, debt-to-income ratio, and other information related to your credit history. Although the online agency do not provide a detailed credit report, but you can still find the information helpful.

Apart from free credit report, the website also provides free monitoring as well. You will be instantly notified through email of any changes to the credit report. The website also gives recommendation to the individuals about the best loans for them based on their financial profile. It earns commission in case an individual signs up for the loan offered by one of its recommended lenders. That said the company does not sell information about the individuals to any third part provider.

2. Credit.com

Another website that provides credit score to individuals for free is Credit.com. You can obtain two free score through this site: a VantageScore 3.0 and Experian score. You will have to sign up for the free account, though you do not need a credit card.

What’s best about this site is that it offers you tip on how you can improve your credit score. Similar to Credit Sesame, it makes money when individuals sign up for offers that are offered through the promotional links. The site does not sell credit information to third parties.

3. Credit Karma

Credit Karma offers free credit report from Equifax and TransUnion that is updated weekly. You don’t need to have a credit card to use their services. The free credit scores are based on the latest scoring model of VantageScore 3.0, which has been made in collaboration of three main credit bureaus to obtain a more consistent and accurate score as compared to the FICO scores.

Just like Credit Sesame, Credit Karma will also track your credit report and instantly notify about any updates. In addition, the website offers free credit factor analysis that summarizes important information of the credit score. Also, the site provides free credit score simulator that show you how different actions such as increasing the credit limit or adding a new card will likely affect your credit score. Like the other two websites mentioned above, users can rest assured that their personal information will not be shared with third parties.

The free credit reporting service offered by the above three websites will allow you to get a broad look at your credit profile. It’s recommended that you sign up for all three of the free credit reporting service to get a detailed overview of your credit position.…

A primary key to E-Commerce

A primary key to e-commerce

Mobile Friendly
Internet is the primary key to access e-commerce feature. The total fundamental on this feature is based on the accessibility of the web. E-commerce will be served better and throughout the country if a smooth, constant and cheap service is provided. Now a day smart phones are the very common device to be used. E-commerce web pages should be mobile friendly. Thus it will reach to the mass crowd quite easily.

Internet Marketing
Do you want to know what Internet Marketing is? This form of marketing also known as online marketing refers to a company’s effort to advertise and market its products using the Web and email by driving direct sales via electronic commerce, in addition to sales leads from Web sites or emails. This can be done by using the mediums given below. Web marketing includes e-commerce Web sites, online advertising on search engines, promotional or informative Web sites, affiliate marketing Web sites and organic search engine results via search engine optimization (SEO).

Email Marketing
Email marketing involves both advertising and promotional marketing efforts via e-mail messages to current and prospective customers. The customers can communicate with the company within a period. Here they are the ultimate decision makers.

Market Situation
Keeping all information organized and readily available like when the meeting is scheduled. Analyze data and feedbacks and analyze the market situation to make the company competent enough to sustain.

5. If you are wondering about what an online marketing company does, then here is an answer. The online marketing companies are doing a flourishing business through this virtual mode of communication. With minimum investment.

Internet shoppingSocial media marketing involves both advertising and marketing (including viral marketing) efforts via social networking sites like Facebook, Twitter, YouTube, and Digg.They are able to earn maximum profit which gives the company a huge financial boost. The company caters to innumerable aspects of marketing with superior quality.

They deal with web designing, developing, search optimization and writing contents. They perform three types of optimization, Search engine optimization (moving you up in the unpaid search rankings); Ad spend optimization (making sure the dollars you spend on pay per click, banners and such are generating a return); and site optimization (improving conversion rates for landing pages, your store, etc.ecommerce_sales

Keep an eye on online reviews by customers, ex-employees as well as competition. This is also known as reputation management. Keep track of how many clicks or visits are made to the client’s website. What is done or what time the clicks are made the most. Such monitoring is done do as to collect relevant data. You need to consult the company about its new ventures or strategies and make alternatives if they don’t suit the reputation of the company.However, if you as a beginner are really eager to attest your knowledge on the matter in details then taking suggestions from the experts of the field can be the most prudent thing.…