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Is It Really Safe To Play (And Pay) Online?

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Amidst the myriad other worries we have in our day to day lives, online security often ranks fairly highly. We use the internet for so many things – for almost everything in some cases – and if we can’t trust it then our usual way of doing things can be completely turned upside down.

Online payments are always a big cause for concern, and when playing online games in casinos, the idea that someone might be able to find out our personal and payment details, and use that information for their own gain, leaving us out of pocket, is a frightening one. It can put people off altogether.

However, innovations in technology and online payment systems mean that many people now feel a lot more confident in having a good time online, sure that their payment and banking details (and therefore their money) is absolutely safe. Casinos such as Mr. Smith Casino implement a variety of different payment options so that customers can choose the one that suits them. So just what are these most secure payment options?

Paypal

Perhaps the most well known of the alternative payment options (that is, a payment option that doesn’t need you to enter your card details onto the site itself), Paypal used to be the preserve of eBay only. However, it’s ease of use and popularity, not to mention the fact that, should something go wrong, users are protected and will quickly get their money back, meant that it soon outgrew its original intended use, and now it can be found all over the internet. The advantage of using Paypal is that once you have signed up, you only need to use your email address to pay.

Skrill

Similar in terms of usage to Paypal, Skrill is a newer payment option that is extremely secure. As well as payments, you can link bank accounts, storecards, send and receive money, and even pay using your mobile in some shops. There is a fee to pay to receive money, but it’s just 1%, so it’s perfectly acceptable in most cases.

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Paysafe Card

A Paysafe Card is a great option for not only paying securely, but also for keeping to your budget when it comes to gambling or shopping. Find a shop that sells the cards and use it like a phone top up – you chose how much to put on the card, and once that amount is spent, the card will no longer work. So if you don’t like the idea of inputting your debit or credit card details in a website, but neither do you want to sign up for an online payment option, this card is the ideal solution.

Entropay

Entropay is another pre-paid card, only this one is virtual. You will be emailed a card number once you have signed up and deposited some money. Use that number to play online at Mr Smith Casino and other exciting websites!

 

Don’t Let Debt Get You Down: How To Overcome A Bleak Financial Future

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Whether you are hundreds or thousands of pounds in debt, the idea of owing so many people and having little cash to live on can really get you down. In fact, it can start to swallow you up and define who you are – but before you enter a state of despair it’s important to remember that’s there are always things you can do to make your financial situation better.

With plenty of self-discipline and the right advice, you can dig yourself out of any hole you’ve landed in, so here’s how to overcome a bleak financial future:

  1. Consolidate your debt

First of all, it’s crucial to settle those nagging worries in your head. Constantly panicking about who has been paid and who hasn’t will slowly drive you up the wall and make you more and more anxious, so perhaps start by consolidating your debt and paying it off with one of the handy Avant Credit installment loans available. Even though interest rates on an installment loan might be high, it’s not the same as a payday loan – an installment loan can last for several months and repayments are evenly spread out over the term of the loan. Added to which, an installment loan can be used to improve the credit score of people with bad credit.

While borrowing to pay back what you owe may seem like an unusual concept, it’s actually really handy as not only will creditors stop bothering you, you’ll also be able to benefit from low interest rates – and the chance to pay back your loan in instalments, which of course is handy if you’ve cash flow problems at the moment.

  1. Seek the correct advice

If you’re not a highly-trained financial advisor, don’t try and tell yourself what to do when it comes to money management. You’ll most probably tie yourself up in knots, so instead, sit down with someone who knows what they’re talking about and go through your situation bit by bit.

Sure, it can be embarrassing to explain yourself to a complete stranger, but it’s better to be open and honest than to suffer alone. Experienced professionals have heard it all before and will have the contacts needed to put you on the straight and narrow.

  1. Stay positive and live within your means

When experiencing debt problems, it can be easy to give up and start taking money from any source. Payday loans suddenly start to look attractive and you might even open new accounts simply to access overdraft funds. You might even consider chatting up friends and family who you think will lend you a bob or two, but this is highly unadvisable.

According to a survey by StepChange Debt, relationships can easily break down if money issues get in the way. What’s more, you may fall deeper and deeper into financial troubles without fully realising the true extent of your problems, so try to stay positive and live within your means – even if that requires serious self-control and multiple cutbacks. Waking up and facing the reality is key but that doesn’t mean you have to live a bleak life – after all there are plenty of fun things you can do for free.

Debt problems can be challenging but with strength and determination, the future will soon look brighter.

Commercial Cleaners For Your Business – An Investment Not A Luxury

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Running a business is not an easy thing to do, and whether you’re the top business owner or a manager of an office or regional department, the day to day hassles, trials, jobs and things you simply must get done can seem never ending, with literally not enough hours in your working day to get everything done.

So, alongside the jobs you need to complete, the paper work you need to work through, the staffing issues you need to solve and that accounts that seem to be always be running behind, you also need to make sure that the place of work is tidy and clean, and if you have to do this yourself or delegate it to a staff member, the chances of it getting done to a very high level are small, if it gets done at all. And then quite quickly, the workplace becomes dirty, grubby and unclean, and whilst a quick wipe over here and there might please a few people, in the long run, it will do nothing for your overall staff moral and happiness.

And this is where it might be time to consider an office or commercial cleaner to take this one task away from you and your team, and whilst it initially may feel that this is a task that you could save money on by doing yourself or in-house, in the long run, it will be one of the best investments you can make for your company.

Still not sure? Here are just a few key reasons why hiring a commercial cleaner or commercial cleaning company for your business really is an investment and not a luxury.

A Much Better Job

If you hire the right company, then generally, specialists will do a much better job than just asking a member of your team to put the vacuum around the office, or indeed, the manager having to clean the bathroom in the few minutes they might have between phone calls and meetings. A commercial cleaning company will clean day in, day out and it literally becomes what they are good at, meaning that the job is done correctly, with the right equipment and end result.

Saves On Time

Time is money and money is time, so if you can save a few hours a day or a week, then this means more profit for the business and this really is something that a commercial cleaning company can save you, as they have a team of professionals that will come in, clean, make nice and then head off, either outside of working hours or during. The more time you save the more you can be working on the things that earn you money, and whilst a clean working place helps to increase performance, you doing the job yourself does not earn the business the bottom line return.

Ultimately Saves On Money

A commercial cleaning contract in the long run is actually cost effective, as the cleaning professional will get the job done well and quicker than a non trained professional, as no matter how much you love cleaning, until it is your day job will you never really be able to deliver a great end result in a quick time. When you do something every working day, you get used to doing it quickly but well, which is why you could save money when compared to doing it yourself or employing someone in house to take care of the cleaning routines.

Frees Up Your Team

Your employees or work team are there to do a job, and generally, they will not appreciate having to clean the toilet on top of their daily routine, and even if you share it out between staff members, the end result will still be someone being taken away from their core job. This just does not make sense, as you hire someone into a role that suits their skillset, and if you have them doing lots of other things, then their main role and performance could suffer in the long run.

A Happy Place To Work

None of us, whether we work from home or work in an office of a hundred people want to work in a place that is dirty or grubby, with stained sinks and dirty carpets, and quite frankly, why would anyone want to? A clean working environment helps to create a happy working environment, and endless studies, research papers and work place specialists will only re-enforce this, meaning that a clean work place will undoubtedly result in a much better performance from its employees.

Can Essential Oils Help You Save Money?

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Over the last decade, essential oils have grown into a big industry. Current estimates place the projected value of the world’s essential oil market by 2020 at $11.5 billion (£9.26 billion), making it one of the world’s fastest growing industries.

The reason for the rapid growth in popularity of essential oils is simple: they’re massively useful for everything from physical health to mental health, cleanliness, beauty, hair care and more. It’s tough to find a single aspect of life that essential oils don’t improve in at least one way.

But is it possible for essential oils to improve your financial life, much like they can improve your health and wellbeing? From replacing costly beauty products to simplifying everyday life around the house, you might be surprised to learn the ways in which essential oils can save you money:

Replace expensive skin creams

Great skincare products are far from cheap, with full routines from well-known brands adding up to hundreds of pounds every few months. Luckily for your wallet, essential oils such as argan oil offer many of the benefits of costly skincare creams at a fraction of the price.

Some of the most effective oils for skincare include geranium oil, lavender oil and cypress. Due to the strength of many essential oils, many skincare experts recommend mixing them with an existing skin cream or moisturiser to avoid potential skin irritation.

Earlier this month, People covered essential oils for skincare and beauty, noting that many of the world’s biggest stars are adding them to their skincare routines. Since essential oils cost a small fraction as much as many skin care products, they’re great cost-cutting products.

Simplify cleaning up and tidying

Did you know that essential oils double as powerful household cleaners? Since essential oils are highly concentrated, they act as a great alternative to chemical-packed detergents, soaps and other home cleaning products.

One of the easiest ways to use essential oils at home is as an all-purpose cleaner. Mix up to three drops of tea tree and lemongrass oil with hot water, then use them from a spray-top for cleaning surfaces in the kitchen and bathroom.

Essential oils also double as an inexpensive, organic bathroom cleaner. Try mixing four to five drops of eucalyptus oil and the same amount of tea tree oil with water for a simple shower and bathtub cleaning solution. Once you’ve cleaned up, rinse with water for a flawless bathroom.

Act as a cheap, healthy sunscreen

Finally, essential oils can be blended together to create an inexpensive, highly effective, organic sunscreen. Better yet, they can be stored long-term in a tupperware container to replace regular SPF sunscreen, saving you money and protecting your skin over the long term.

For a simple sunscreen blend, mix zinc oxide, shea butter, lavender oil and coconut oil to create a thick, comfortable organic sunscreen. For even better protection and healthier skin, try adding helichrysum oil to the mix.

Need to avoid mosquitos while in the sun? Essential oils can also act as a surprisingly effective, skin-friendly mosquito repellent. Blend citronella oil, eucalyptus and lemongrass oil with coconut oil to keep bugs away at the beach or in any other outdoor setting.

The cost of buying a car across the decades

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Whether we’re proud petrolheads who love our cars or just need a reliable motor to get from A to B, vehicles are an important purchase – with more than 31 million sold every year in the UK.

But how much does the average car cost? A series of data cards looking at the economy across the last five decades shows that the price is closely linked to the size of our pay packets.

In 1975, when the Ford Cortina was the most popular model on the market, people paid £1,840 for a car. The average salary at that time was £1,809.

By 1985, when tastes had moved on to the Ford Escort, people earned £6,997 and had to pay £6,340 for a car.

Ten years later, the Ford Escort was still top of the tree, yet pay packets had grown a little quicker than car prices. The average salary in 1995 was £13,302, while the average car was £11,400.

That trend continued into 2005 – although by then the Ford Focus reigned supreme. Employees earned £20,215, while the price of the typical car was more than £6,000 cheaper.

By the time 2015 came around – with the Ford Fiesta now top dog – the average car price reached £21,164 and the average salary was £25,608.

It seems destined that salaries and car prices will be very closely linked, with manufacturers having to bear in mind the spending power of shoppers who need the help of a personal loan to take a new car off the forecourt.

This will be something to watch when it comes to self-driving cars, which will need to become ‘affordable’ before they can become a mainstream proposition. Ford, top of the charts in all of the decades listed above, reckons that will take until 2025.

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What happens when you take on an IVA?

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An IVA is an effective debt management solution for those struggling to make the minimum repayments on debts of £7,000 or more and looking for an alternative to bankruptcy. While an IVA usually takes five or six years to complete, it ensures you make regular, manageable monthly repayments and, at the end of it all, you should be debt free.

But what happens when you take on such a solution? Let’s take a look at the IVA process and how it all works:

Step One: You speak to a debt advisor

There are debt management companies out there such as IVA Helpline, ready and available to offer free advice on your situation. They can discuss whether an IVA is for you and help you decide whether to go ahead.

Step Two: Take a close look at your finances

Sometimes, it’s easier to ignore your bank account and bury your head in the sand. But before you take on an IVA you must comb through your finances, listing the necessary income and expenditure costs and checking what is left over at the end of the month. Making yourself aware of your finances is a key step to regaining control of your debts.

Step Three: Work with a debt advisor to create a proposal

Once you have a good grasp of your finances and have selected a debt management service to work with, you will then be assigned an insolvency practitioner (IP) who will handle your ‘case’. They will ensure first that you qualify for an IVA and then look into how much you can afford each month – to pay back your creditors – after your living expenses.

Your IP will also take a look at your assets, such as any savings you may have or equity in your home and you will need to include these in your repayment. Be aware that you may have to remortgage your home to release any equity near the end of the repayment plan.

Step Four: Creditors review your application

Once your proposal has been submitted your creditors will then need to vote on whether to accept it. At least 75% in value of lenders you owe money to who vote on your IVA must say yes for the IVA to be accepted and if a certain lender is owed more money they will have more sway over the vote.

Step Five: Approval

Once creditors have approved you will start making your agreed monthly repayments. Your debt management company will do the rest and providing you keep to the agreement, at the end of the IVA the rest of your unsecured debt will be written off.

Some points to consider:

  • If you have debts with your bank, they may decide to freeze your current account. It’s a good to create a safe bank account before you enter into an IVA so you have control of your income.
  • Your IVA will remain on your credit report for at least six years after it is set up and will negatively affect your credit score. However, once you have completed the IVA you can begin taking on small amounts of credit again to build this score back up.

An IVA is an effective debt solution that will help you become debt free. It is important if you take on an IVA, you stick to the agreement and at the end of the agreement your unsecured debt will be written off.

3 reasons to delay your Christmas vacation until January

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Because you need winter sun, but all those Christmas presents might have set you back a bit.

 

#1 The flights are cheaper

Flying during the holiday season can rinse your budget quicker than Christmas shopping in Selfridges. However, travelling in January is the solution.

The most expensive time of the year to fly is between the 15th of December and January 1st, whereas flying in January is actually 15 percent cheaper than flying in November, and a massive 23 percent cheaper than flying in December.

 

#2 Hotels are cheaper too

Hotels are the second biggest budget killer on a holiday. But many hotels actually have sales in the New Year, so make sure you keep an eye on holiday vacation deals – which often include hotel deals.

New York is a great example, as they have Hotel Week in January, where they typically offer hotel rates of $100 to $300 per night, when the hotel would normally go for $500 per night.

 

#3 Eating costs less

The other large expenditure on holiday? Eating out. Fear not – most restaurants know that after a month of overindulgence, people don’t want to go out much in January. Which is why most restaurants will offer deals in the New Year, meaning you can eat just as much for a fraction of the price.

If you’re low on cash, make sure you prepare food at the hotel. If you run out of money while you’re there, Vivus can tide you over till you get home.

Christmas energy saving tips for businesses

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‘Tis the season to be jolly, but don’t be one of the UK businesses that waste around £9 million every Christmas by leaving the fairy lights on! No one’s saying you have to be Scrooge, though turning down that office thermostat by just one degree will save money and encourage your staff to get their Christmas jumpers on. However, the festive season can prove energy-costly.

Here are some top tips to make sure that you don’t return to the office after the New Year to a monster headache caused by excessive energy bills.

  1. Switch it off

Standby is a well-known energy hog – equipment could still be using nearly 90% of its normal consumption. Monitors are the worst culprits, accounting for 50% of a computer’s energy use. Remind all staff to switch off before they leave for their Christmas break, but make sure you do a sweep of the office just to make sure, or use simple standby savers that can switch everything off at the click of a remote control. Remember that leaving one computer switched on could produce enough C02 to fill three life-size inflatable Santas!

It’s not only essential equipment that needs to be switched off – don’t forget the non-essential items like kettles, fridges and microwaves. Vending machines can gobble up £120 a year in energy costs. If there are likely to be staff in the building over the Christmas holidays, make sure you leave a kettle for a hot drink and ask politely if it can be unplugged after use.

  1. Avoid a big freeze

Once everyone’s gone home for the holidays, turn down the heating to the bare minimum or change to a frost-free setting to avoid any pipes bursting if there’s a big freeze. This might be a good opportunity to have heating equipment serviced to ensure it’s running at maximum efficiency and take a look at pipe insulation so you can rest assured you won’t have any problems.

If you have any space heaters anywhere in the building, make sure those are unplugged too – otherwise you’ll be burning enough C02 to fill 77 inflatable Santas!

  1. Be water-aware

Now’s the time to check all the plumbing, because those leaky taps can cost money if they’re allowed to drip away all over Christmas. Worst still, if a tap’s left on you could waste a colossal 3,500 litres of water in a week. Invest in a circulation pump so you have hot water on demand and staff don’t leave taps running while they wait for hot water and then forget about them.

  1. Turn off the lights

Are all your office lighting and desk lamps are equipped with energy-saving LED bulbs? If not, do it now and you’ll start making big savings before Christmas. Make sure you have the right bulb for the right fitting and you’ll save even more. And then switch everything off when the last employee leaves for the Christmas break. Lighting the average office overnight uses enough energy to heat water for 1,000 cups of coffee! And you don’t want to choose wasted energy over that first thing in the morning coffee, do you?

If you need to leave lights on for security purposes, make sure they’re on a timer. Timer plugs are cheap and effective, and they save you money on your energy bills.

  1. Goodbye fairy lights

It’s an office tradition: the Christmas jumpers, the Christmas tree, the tinsel and of course the fairy lights – hundreds and hundreds of them. The easy win here is to switch to LED lights, which use 90% less energy than incandescent lights. In fact, if every home and office switched just one set of incandescents for LEDS, we’d save £13 million over the 12 days of Christmas alone!

Putting the lights on a timer plug is a sensible idea when the office is manned, but leaving fairy lights – however pretty they look – lit in the office when there’s no one there is a fire risk. So don’t risk office safety just for the sake of a few twinkly bulbs.

  1. Be energy-efficient all year round

Of course, any of these energy-saving tips could be used in your office all year round, because it pays to be energy-aware at any time of year. And there are some simple things you can do in the New Year to keep those utility bills at a minimum.

  • Keep heating bills to a minimum by turning the heating down in corridors and storerooms that aren’t frequently used.
  • Search out and draught-proof gaps in windows and doors: your employees will be more comfortable and you’ll save on energy bills.
  • Switch lights off when a room is no longer in use, and use lighting appropriately in meeting rooms and at desks.
  • Switch off monitors and make sure all computers use power-saving settings.
  • When equipment needs replacing, opt for the most energy-efficient replacement, from printers to kettles.
  • Investigate alternative energy sources like solar to help your business go off-grid.

So make energy-efficiency your New Year’s resolution. Merry Christmas!

Frugal Football Fans Pair European Away Clashes With Romantic City Breaks

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Britain’s frugal football fans are pairing European away clashes with romantic city breaks to cut costs, new research has revealed.

Almost one in five British football fans will be jetting off for European football clashes with their other half this week. With Spurs away in Monaco, Man City in Germany and Southampton jetting off to Prague, many blokes have seized on the opportunity to book a city break with their partner.

Fifty-two per cent have travelled to a football match with their partner in the past, while 16 per cent have plans to do so in the future. Just half of couples will watch a football match together, however. A quarter of partners would prefer to head out to the shops surrounding the stadium, while a fifth take those ninety minutes to head out and explore the city.

But coaxing a partner to the match is easier said than done. A third have to plan a distraction that their partner will enjoy around the time of the match in order to appease them, while a quarter plan a romantic activity to make it up to their beleaguered beloved.

Spain is the most popular away day for Britain’s loved up couples, while France and Italy also provide a draw.

Ahead of this week’s clashes Expedia has created the ultimate European football away game travel guide for fans looking to take a break, giving a break-down of information on all key European cities.

Shoppers can make a real difference this Black Friday

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The busiest shopping weekend of the year is fast approaching but one online retailer is offering a feel good alternative to Black Friday.

EthicalSuperstore.com has pledged to donate a grocery item to the UK’s busiest food bank for every order over £30.

The site, which offers ethical alternatives to a wide range of household products, is also offering shoppers a 20% discount off everything from Thursday 24 November and until midnight on Monday 28 November.

The retailer hopes to emulate the success of a similar offer it ran last year, when it donated a total of 1576 grocery items, worth more than £1500 to the Newcastle West End food bank – the busiest in the UK.

EthicalSuperstore.com has become an essential resource for Britain’s growing number of ethically and environmentally aware consumers.

Now in it’s tenth year of trading, the site allows shoppers to buy fair trade, organic, and eco-friendly merchandise and currently features over 5,000 products.

For every order over £30 Ethical Superstore will donate products that have been specifically chosen by the food bank, including essentials such as pasta, rice and oats.

The Black Friday offer is an addition to a number of charities which the ethical retailer supports every year.

The Newcastle West End food bank is one of the retailer’s preferred charities and around £10,000 is raised annually to help feed poor families across Tyneside.

Michael Nixon, from Newcastle West End Food Bank, said: “We are the busiest food bank in the country, mainly because of the large areas of poverty we have here in the parts of the West End of Newcastle.

“More than ever people are under intense financial pressure and more people will be using food banks this winter. As the weather turns colder and people face increased heating bills the need will only grow.

“The generosity of the people of Newcastle is amazing so we are encouraging people to give a little this Christmas to help families in need.

“With this generosity and help from businesses like Ethical Superstore with their donation scheme, we want to make sure families are properly fed and don’t have to choose between whether they heat their home or properly feed their family.”

Peter Leatherland at EthicalSuperstore.com, said: “Black Friday has become synonymous with crowds of people clamouring to get discounted technology products at well-known high street stores and supermarkets, but we want to do something a little different.

“Our feel-good Friday provides customers with 20% off products as well as giving something back to the community through donations, helping those families who truly need it.

“We want to raise awareness of food banks, hopefully encouraging our customers to think about others and perhaps donate to their own local food banks and good causes whilst hunting for bargains during Black Friday.”

For more information on the Black Friday offer please visit www.ethicalsuperstore.com/giving-on-black-friday-rather-than-taking/

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