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EMERGENCY RENT! How to Get Money Fast…

Let’s face the cold hard reality for a second. Unemployment is at it’s highest levels for years, the economy is in a mess, and millions of people are struggling to get the money that they need.

If you currently find yourself in a financial mess, then you may be desperately searching for emergency rent money, so that you still have a roof over your head next month.

Luckily, there are a number of different options available, where you can get money fast to pay your outstanding rent.

Payday loans

One of the most popular options for quick cash is cash from payday loan lenders as it’s possible to get the funds deposited into your bank account within a matter of hours. Obviously if you need to pay your rent, then this is a very appealing option, as you can solve all of your problems quickly and easily.

In order to qualify for a payday loan, you must be in full time employment, be a resident of the UK, and have a bank account. Interestingly, it doesn’t matter if you have a poor credit history or have defaulted on loans in the past, as all the lender cares about is your ability to pay the money back on time.

Please note, that payday loans are no joke and should not be taken lightly. You should only apply if you are 100% confident that you can pay all of the money back. Failure to do so will result in fees and charges, and maybe even your debt being passed onto a debt collection agency.

Pawn shops

Another way to get fast cash so you can pay your rent is to visit a local pawn shop. If you have something of value, such as gold, silver, electronics or jewellery, then you will be able to get a nice tidy sum with the minimum amount of hassle.

Just like payday loans, you have a certain amount of time to go back to the shop and pay the loan in order to retrieve your belongings. If you miss the deadline, then the items become the property of the pawn shop, and they can then sell them.

Ask a family member

An alternative to payday loans, is to ask a family member for a short term loan. While this does carry some benefits, there are also many downsides.

One of the benefits is that you probably won’t be charged interest on the loan, and you are also dealing with somebody that you trust.

A downside is that if you fail to pay them back the loan, then it can destroy your relationship with that person and can lead to both of you falling out.

Guest post from Davey Bennett.

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PPI Claim – 3 Insider Tips

It’s no secret that millions of PPI policies have been mis-sold over the years, the only question that remains is…what are you going to do about it?

You basically have two choices. You can bury your hand in the sand and hope that the money just magically arrives in your mailbox, or, you can make a ppi claim and get back every single penny that you deserve. The choice is yours.

If you choose the first option then you can leave this page right away. There is nothing for you to see here. However, if you choose the second option, then the 3 insider tips below will help you tremendously.

Don’t go it alone

Although trying to reclaim PPI on your own might be “free,” in actual fact it will end of costing you a lot of time and effort.

You see, the banks have become extremely crafty when it comes to paying out PPI compensation. They will send you endless letters, while ignoring your letters, and then keep avoiding their responsibilities in the hope you will just give up.

Make no mistake about it, trying to go it alone in the PPI world is like banging your head against a brick wall. Don’t do it.

Hire a PPI claim expert

Smart people realize that a PPI claims expert is worth their weight in gold. Why spend months, even years of your valuable time, when you can simply hire somebody else to do it all for you? The choice is clear.

Not any old PPI claims company will do though. Let’s face it, there are many fake experts out there, who have the sole goal of separating you from your cash and then doing a quick runner.

With this in mind, check some reviews on the internet before hiring a PPI claims expert, and make sure you get to chat with them on the phone before signing any documents.

Be patient

Rome wasn’t built in the day, and nothing good ever comes “overnight.” Ultimately, you need to be patient with your PPI claim, as it could take a few weeks for the wheels to set in motion and things to start happening.

As long as you choose an experienced PPI claim expert then you will get everything that you deserve, and in no time at all you could have a few thousand pounds tucked away in the bank.

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Expert Tips For Personal Injury Claims

Everybody has the misfortune of being involved in an accident at some point, and when you suffer injury (both physical and mental) as a result of the gross negligence of somebody else, then you are well within your rights to make a personal injury claim and get compensation.

For many people, the path to making a personal injury claim is not entirely clear, which is why the expert tips below will help to clarify the situation and point you in the right direction. Read on to discover more…

Do you really have a claim?

The first thing to establish is whether or not you really have a personal injury claim. For example, if the accident left you unable to work for 6 months and has put you into a bad financial situation, then you definitely have a claim and you should contact a claims compensation company straight away.

However, if you only suffered a few bruises from a minor accident, then it might be hard to push through a claim for compensation. To find out more, click here – compensationclaimssolutions.co.uk

Gather sufficient evidence

One of the most important elements of any personal injury claim is evidence. This helps to strengthen your case, and improve the chances of being awarded the amount of money you really deserve.

Some examples of the type of evidence you should be gathering include…witnesses to the event, medical records, a second and third opinion from specialist doctors, and financial statements which prove loss of earnings.

Be prepared to accept a settlement

95% of the time, if you make a solid claim that is backed up by sufficient evidence, then it is highly likely that you will be offered a settlement. This means that you won’t have to go to court, which is good news as the court process can be lengthy and tiring.

Just be aware, that by accepting a settlement you won’t receive the full amount that you could get, but it is often worth it as everything is sorted out straight away so you are able to get on with your life and forget about the matter.

Beware of hyped up claims

It’s a sad fact of life that there are many scam companies operating within the personal injury industry. These companies typically grab your attention with hyped up claims such as “receive compensation in 5 days” and “get more money than you are entitled to.”

You should avoid these kind of companies completely, and instead, go with established companies that have a proven track record in the industry.

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STEAL My 3 Proven Money Saving Tactics

In order to survive in this tough economy it’s essential that you save as much money as possible. Failure to do so could mean you end up relying on payday loans and credit cards, and we all know what happens when you go down that route…

It was only a few years back that I was always struggling to pay the bills and trying to keep my head above the rough financial waters, and to be honest, I even nearly went bankrupt.

However, all of that changed once I learned just a few simple money saving tactics, and these are exactly what I’m going to share with you below.

Permission to STEAL – 3 Proven Money Saving Tactics:

Go with Cox Cable

I have to admit, I absolutely love cable TV, and the thought of giving it up was simply unbearable. Fortunately I didn’t have to do that, mainly because I found about about Cox Cable and their range of excellent but affordable packages.

Needless to say, since making the switch I have been enjoying hours of quality entertainment without breaking the bank, and I still get to watch all of the latest TV shows, movies and sporting events such as the NFL, UFC and English Premier League.

Keep those coupons

Another one of my top money saving tactics is to use as many coupons as possible. There are literally thousands of coupons available every single week if you know where to look, and if you really start to take it seriously then expect to achieve some huge savings.

So where so you find coupons? Typically, I look on the internet and in newspapers, with the Sunday newspapers being the place to find really great deals. One nice little tips is to ask your family and friends to save newspapers for you, so there is no need to buy them all yourself.

Compare energy providers

One of my main expenses has always been energy bills. In fact, due to the rising energy costs, my bills were going through the roof and really hitting me in the pocket hard. If you are going through the same kind of situation then you must realize that there are other options out there.

You don’t have to stick with your current energy provider, and with a little bit of “smart comparing” you can easily save a huge amount. Phone round the different energy companies in your local area, and even make use of a price comparison website to see what kind of energy deals are on offer.

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OUCH! These 5 Car Insurance Blunders Will Hurt

Did you know that by making the 5 car insurance blunders below you will be hurt badly…in the pocket!

It’s time to wise up, stop paying over the odds for expensive car insurance, and save yourself some money.

Avoid these 5 car insurance blunders:

Not getting multiple quotes

If you are in the market for new car insurance coverage then you really should be getting multiple quotes before making the final decision Unfortunately, most people ignore this advice, choose the first quote they find, and then don’t realize they are paying well over the odds.

Not searching on the internet

Sure, your local car insurance company might be a friendly bunch, but can they actually offer you a competitive quote? Probably not, which is why you need to get online and start browsing around the many different internet car insurance companies. These are typically cheaper, mainly because the competition is fierce (driving down the rates) and overheads are lower (passing the savings on to you).

Not checking reviews

So you’ve found an online based car insurance company that is offering you a great rate…what is the next step? Well, before signing your name on the dotted line, it’s important that you look for reviews online about the company, so you can see if they are trustworthy and have a good reputation. This is a very simple step, as a quick search in Google or Bing will unlock many different reviews from real customers.

Not taking family members off the insurance policy

Maybe 3 years ago you added your 16 year old son to the car insurance policy? If he no longer drives the car then you should take him off the policy straight away, as with every month that goes by you are being overcharged. In fact, you should regularly review your car insurance policy, just to make sure that everything is up-to-date and you are not paying more than you need to.

Not asking for discounts

It’s a little known fact that the majority of car insurance companies are more than willing to offer discounts if you simply ask for them. For example, why not try phoning up your current provider and then ask them for a discount because you are such a good customer? If they refuse, then tell them you are thinking about taking your business elsewhere, probably to their main competitor Needless to say, this will certainly get their attention, and the discounts should start to flow shortly after.

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5 Simple Tips For Claiming Medical Negligence Compensation

Medical negligence is a growing problem, especially since many hospitals started cutting costs and hiring less staff.

However, just because they are prepared to put your health at risk that doesn’t mean you should just sit back and take it. Stand up for your rights by fighting back and claiming the medical negligence compensation that you deserve.

Here are 5 simple tips to help you achieve that:

Take action

Don’t wait around for the right time to make a medical negligence claim…there is no better time than right now.

Ultimately, the longer you leave it, the less chance you have of getting full compensation. The best way to get the ball rolling is by visiting a website like medicalnegligence.co and requesting a callback from one of their resident experts.

Hire a medical negligence solicitor

Once you speak with an expert they will be able to take a closer look at your case to see if you actually have a claim. If you do, then expect them to recommend a medical negligence solicitor, who you can hire on a no win no fee basis to take the matter further.

This is a much better option than trying to go it alone, because unless you have a lot of knowledge about the legal sector, and more specifically the medical legal sector, then you are going to find it extremely difficult to make any progress.

Gather evidence

The main foundation of your medical negligence case will be built around the evidence you have gathered that PROVES you are a victim.

For example, things such as medical documents, second opinions, and full details of any loss of earnings will only serve to make your case stronger. Also, if you have any photos of injuries then they should be included in your portfolio of evidence.

Be patient

You must be aware that the wheels turn slowly when filing for medical negligence compensation. Don’t expect to see cash in your bank account within a week or two, or even in a few months.

Your solicitor needs time to contact the necessary people and fill-in endless amounts of paperwork. With this in mind, make sure you stay patient an don’t be tempted to quit.

Consider the settlement

In the vast majority of cases a settlement will be offered in order to avoid going to court. Depending on the offer, it will usually be in your best interests to accept the settlement, as there is always the chance you could lose the case if it went in front of a judge.

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5 Business Energy Saving Mistakes

Are your business expenses through the roof? Are you scratching your head and wondering where to stop the cash leaking out of your business? Perhaps you want to be more environmentally friendly so you can comply with new government regulations?

Whatever your aims, you will no doubt agree that your business currently makes at least a few energy saving mistakes, the only question is…which ones? Read on to find out more…

Not turning off lights

When MC Hammer famously said “you can’t touch this,” he wasn’t talking about light switches. For this reason, you need to clamp down on anyone not turning off lights when they should, and if your staff continue to ignore your demands then direct them to the nearest job center.

Not turning off computers

According to energy giant Epcor another major mistake made by just about every business out there is not turning off computers at the end of the day. If your business uses many different computers then this is a lot of wasted energy consumption, and in some cases can represent almost a third of the annual energy bill. Ouch!

Stop being such a fool. Make it common practice for everybody to turn off their computer at the end of the day, or at least get staff to put a computer into sleep mode when they go for a quick break.

Not making use of natural light

Unless you are manufacturing illegal drugs, then you should have no problem installing more windows around the building to allow the natural light to shine in. This will diminish the need for artificial lighting during the day, and more importantly, save you a wad of cash on energy bills throughout the year, especially in the summer.

Not using energy efficient light bulbs

While inviting more natural light into your premises is a good idea, there are times when only artificial lighting will do. However, did you know that there are now light bulbs on the market that use 75% less energy than normal bulbs? These are called a compact fluorescent light bulb, and although they may be a little bit more expensive to buy, they will end up saving you thousands of dollars over the coming years.

Not using insulation

The last energy saving mistake we are going to touch upon is not using enough insulation. In this day and age, insulation is crucial for your business, and by just ignoring the problem you can continue to kiss goodbye to profits. Make sure water heaters, supply pipes, walls, and ceilings all have enough insulation to help keep your energy costs low.

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The Ultimate Guide to Critical Illness Cover

Becoming seriously ill is something nobody likes to think about, but when you consider the financial implications of not having critical illness cover, especially if you have a family to look after, then it really is something that needs to be sorted out as soon as possible.

So what exactly is critical illness cover? In short, this is where you would be paid a lump sum of money if you were diagnosed with a serious disease or illness. This helps you pay the bills and the mortgage if you could no longer work.

Here are some important factors to keep in mind when looking for critical illness cover:

What does the policy cover?

There are many different critical illness coverage plans out there, so you must understand exactly what the policy covers before signing your name on the dotted line.

For example, if cancer insurance is something that you want included, then make sure you choose a suitable policy.

Shop around

Most people think of critical illness cover as expensive, but in fact, with a little bit of shopping around and comparing different companies, you can easily find a policy that fits nicely into your budget.

Spend an afternoon phoning around some of the insurance companies in your local area, or even get on the internet and make good use of a comparison website.

Combine with life insurance

To make critical illness cover even more affordable, it’s now possible to combine it with a life insurance policy. Contact your existing life insurance provider for more details, or if you are yet to sign up for life insurance, then start looking for a company using the methods described above.

Just be aware, that you must always tell the truth when filling out a life insurance application form. Even bending the truth slighting can result in all of your policies becoming null and void, which means you would end up getting nothing.

Beware of critical illness cover offered by your bank

In recent times, many high street banks have started to offer critical illness cover to their customers. While it might seem like a good idea to take them up on their offer, in reality this is typically the most expensive way to get the coverage you need.

Banks are notorious for adding in extra fees and charges, and even have a bad reputation when it comes to paying out. With this in mind, you should look elsewhere, preferably with a company who specializes in critical illness cover.

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The Five Best Franchise Opportunities in Canada

Make no mistake about it, franchise opportunities are everywhere in Canada. Thousands of people say goodbye to their boss every year, and start a new life working for themselves while enjoying freedom and independence.

But what kind of business for sale in Canada should you be looking for? Let’s take a look with the five best franchise opportunities currently out there…

Fast food franchises

Fast food is a growing industry, and if you want to grab yourself a piece of this lucrative pie then it pays to be backed by a big brand.

This is why Pizza Hut, KFC, Subway, McDonald’s, and Taco Bell franchises are so popular, as you get to tap into their vast marketing and business experience to entice customers through the door.

Vending machine franchises

If you don’t like the idea of running a physical business, then a vending machine franchise opportunity might be the best way forward.

Quite simply, this is where you would spend your day visiting different vending machines to collect the money and keep them well stocked. One example of a vending machine franchise is DVDs, which is becoming very popular in Canada right now.

Health club franchises

Let’s face it, the whole of Canada is on a big health kick right now, and this is a trend that will continue to grow over the next 10 years. For this reason, starting up a health club franchise is an excellent way to start raking in the cash even if you have no prior skills or experience.

The key to success with health clubs is to niche down. For example, starting a martial arts themed health club or a health club for women only could prove to be very lucrative.

House service franchise

At the end of the day, people will always require services around the house. Things such as window washing, gardening, cleaning and repairs is a great way for you to dip your toe into the franchise world and test out the market in your local area.

Best of all, these kind of franchises are usually very cheap, which means you don’t have to break the bank to get started.

Automobile franchise

If you know your way around an engine or you just enjoy meeting new people, then an automobile franchise could very well be the best choice for you.

One automobile franchise that is taking off in a big way at the moment is dent and windshield repair. You could operate this on a mobile basis, which means there wouldn’t be any need for premises.

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How to Invest in Residential or Commercial Property With a Bridge Loan

A popular way to invest in property of any type is with a bridge loan. This works through borrowing money while you are still waiting to unlock the cash in an existing property.

As an example, if you have a commercial property on the market but you want to invest elsewhere before it sells, then a bridge loan can supply you with the funds.

Are bridge loans risky?

Yes they can be, which is why you should know what you’re doing before signing any contracts. At the end of the day, there are always risks involved when taking out any kind of loan, so don’t proceed until you fully understand how everything works.

How fast can I get a bridge loan?

Extremely fast! Because the purpose of these loans is to invest in property, lenders understand that you need the money in your bank account as quickly as possible. You don’t want to be left hanging around, as the property could be snapped up by someone else and then your window of opportunity will be gone forever.

How long are bridge loans for?

The average length of a bridge loan is around 6 to 12 months, although in certain circumstances they can be arranged for a shorter time period. Just make sure you understand the interest rate associated with the loan, as this will be added to the monthly payments.

What happens if I can’t pay back the bridge loan?

When you take out a bridge loan, then your current property is secured against the money you receive. If for some reason your property doesn’t sell and you have no way to pay back the loan, then the lender will take ownership of your property. This could lead to a number of different scenarios, which would have to be discussed with the lender in more depth.

What are some other reasons why I might want a bridge loan?

As well as needing cash while your property is still on the market, there are some other reasons why you might want to take out a bridge loan. One reason is to get money for a deposit on a property to be purchased at an auction. Another reason is to make home improvements before putting your house on the market, thus increasing the value. The options are endless.

Will bad credit affect my ability to get a bridge loan?

This really depends on the individual lender. The majority of lenders do not consider your credit score when assessing your application, as they are more interested in other factors.

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Taking Control Over Your Retirement With a Self Directed IRA

Without a doubt, self directed ira accounts are the way forward. Why let someone else be in control of your destiny? In this world, it really pays off big time to be master and commander of your own fate.

There has been much debate about self directed vs. roth IRA accounts, but in our opinion, a self directed IRA is is much better.

The reason? Because it offers you more diversity, flexibility, and options, so you can spread your risk more effectively and come out a winner in the end.

Here are 4 quick tips to help you get started with a self directed IRA right away:

Shop around

It’s important to understand that not every self directed IRA is created equal. Every company has their own fees and charges, which is why you should spend some time shopping around before coming to a decision.

Avoid brokers

The most expensive way to set-up and maintain a self directed IRA is through a broker. For example, there will be a lot of hidden costs, and if you want to branch out into investments such as gold and silver then expect to be charged extra.

In order to take control of your retirement with a self directed IRA, it’s essential that you deal with a professional company directly.

Get a free consultation

Don’t walk into a self directed IRA blindly. Instead, get a free consultation from a professional advisor, so you can pick one of their experts brains and learn more about the subject.

As an example, they will be able to inform you about local tax laws, the pitfalls to watch out for, and what investments to put your money into. If a company is unwilling to supply you with a free consultation, then you should stay well away.

Consider moving into real estate

One of the major benefits of a self directed IRA is that you can invest in real estate even with only a small amount. Let’s face it, the main secret of getting rich is to get your foot on the property ladder, even if it’s only your big toe!

Moving into real estate allows you to diversify your investments, and it gives you a greater chance of having a very healthy return once you hang up your gloves and call it a day.

Finally

Taking control of your retirement has never been easier, thanks to the numerous self directed IRA accounts currently on offer. Just don’t rush into making a decision, as you should consider all of your options before taking the plunge. Good luck!

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4 Ways to Save Money Instantly!

Millions of people around the country have been hit hard by the recent recession. For many, it will take years to fully recover, which is why counting every nickel and dime and looking for areas to curb the spending is essential.

Here are 4 ways you can save money instantly!

Get the best energy deals

According to Enmax Energy Lethbridge it’s now easier than ever before to save money on your energy bills.

There are numerous energy companies out there all offering different deals, so it definitely pays to do a bit of shopping around. Luckily, this is made a lot easier with the help of a comparison website, where you can easily compare the all of the deals side by side.

Get the best mobile phone contracts

Sick and tired of paying an arm and a leg for your mobile phone contract? If so, then you don’t need to suffer any more. Simply use a mobile phone contract comparison site to see what offers are out there, or you could even switch to a pay as you go phone so you are not locked into a monthly payment.

Also, only use your mobile when you absolutely have to make a call. This way, you can eliminate unnecessary calls and save money throughout the year.

Get the best car insurance deals

Are you paying too much money for your car insurance? You probably are and don’t even realize it. This is definitely not good for your bank balance, as you pay over the odds month after month.

So how do you get the best car insurance deals? In our opinion, the quickest and fastest way is to use a car insurance comparison website. You can find one in the next few minutes with a simple search on Google or Bing, and then be comparing insurance companies side by side almost instantly.

Don’t be scared of changing car insurance provider, because at the end of the day your loyalty means nothing to them if they are ripping you off month after month.

Get the best payday loans

If you are thinking about applying for a payday loan to help with the bills, then don’t pull the trigger just yet. You see, payday loans are notorious for having a large interest rate attached to the loan, which means there is a high chance you will end up paying over the odds.

Be careful not to get ripped off. Do some research before agreeing to a loan, by visiting different lender sites and seeing what interest rate they are currently offering.

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How to Make a Quick PPI Claim – Step By Step

Millions of ppi claims are being made every year, isn’t it time you got a piece of the pie?

Sure, it can seem a little bit daunting to make a claim, as you might be scared of making your bank angry, but at the end of the day, can you really live the rest of your life knowing that they stole money from you without any shame or remorse?

Ultimately, you deserve every single penny that you claim for, and if somebody else doesn’t like it, then that’s their problem not yours. With that being said, below is a step by step guide for those who want to make a PPI claim. Good luck.

Find out of you have a claim

Still unsure if you have a PPI claim? Then you need to find out.

This can be done in a few various ways. You could check the paperwork from your previous loan to see if there is any mention of PPI, or you could even contact an expert from a PPI management company and have them run a check on all of your previous loans. Once you are positive that you have a claim, then you should…

Send a letter to the bank

Don’t be nervous about sending a letter to the bank that mis-sold you PPI. You don’t actually have to write that much, and there are even template letters out there that you can “copy and paste” and then pop in the mail.

To strengthen your case, it’s also a good idea to include photocopies of any paperwork that you can find, as well as details of any old addresses that you may have been living at when you took out the loan and were mis-sold PPI.

Basically, the more evidence and information you can include, the higher the chance of success.

Not having any luck?

If you get ignored by the bank, or they send you a rejection letter, then you might think that is the end of the matter. Fortunately, this is not the case, as you still have another option.

This option comes in the form of a PPI claims management company, and if you contact them within 6 months of being rejected by the bank, then they will be able to take the reins and use their knowledge and experience to over-turn the decision so you can get the money you deserve.

Sometimes, the only way to get a PPI payout is to call in the experts.

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