On the face of things, debt consolidation gets a bad press – and for some good reasons. But, it is possible to use debt consolidation wisely. With the right tactics – and for the right reasons – they can help you get back on track with your finances. There are some pitfalls, of course, but in today’s guide, we wanted to explore whether debt consolidation could ever work for you. Here are the major positives of consolidating your debts, and how to utilize them for your benefit. Addresses Your Financial Problems If you take out a debt consolidation loan for the right reasons, then you are already addressing your financial issues. It’s fair to say that you are also taking action to meet them head-on. As everyone knows, confronting your problems is the most important step on the road to becoming debt free. However, it is vital that you use…

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It’s hard to believe that Black Friday has only been a UK tradition for the past three years, however it quickly became the country’s biggest shopping day, overtaking Boxing Day. While Black Friday was originally an American tradition (held the Friday after Thanksgiving each year) and marking the beginning of the holiday shopping season in the United States, the deals were bought to Britain in 2013 by Walmart. This year, Black Friday will be on the 25th of November, although we can expect some retailers to launch their deals starting as early as the 21st (Monday). Many will also extend it past Friday, through the weekend and beyond Cyber Monday (Monday the 28th). There are many different beliefs as to where the name “Black Friday” comes from, with some saying that it’s from the colour of ink that accounts use to mark profit, while others say it’s how many people…

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Forget about being arrested, getting in trouble with the law could end up costing you a fortune. In fact, some legal situations could financially cripple you. In some cases, you haven’t even broken the law. Just having to go through a legal proceeding could be incredibly expensive. Let’s look at some of the cases and how to avoid the massive costs that are often involved. Piracy The cost of piracy could typically be anything up to one million or ten years in prison in some parts of the world. That’s right; you could be fined nearly a million for watching a movie that would cost ten dollars in the cinema. How crazy is that? There’s good news though because the odds of you being arrested for watching a pirated movie or tv show or listening to a song are close to zero. Every so often, they’ll make an example of…

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Main grounds to play in online casinos Why do you think so many people all over the world enjoy playing in casinos? What is the major reason of this addiction? And are there any alternatives to traditional casinos? Victory, no registration, and no need to spend real money Of course, there is no need to hide that for the majority of players, the main aim when playing in online casinos is a desire to win. But not just to win a couple of dollars, but to hit a jackpot. Yet, how can one reach such a success? In order to get luck, it is necessary to know, understand, and implement multiple developed strategies, which were created by professional experts or players themselves. It is even possible to push luck and cheat a bit by playing with a newbie all the time. But are such methods reliable enough? Besides that, will…

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Introduction Indeed, there are millions of people all over the world, who enjoy playing their favorite games (poker, black jack, Baccara, etc) as well as free slots online in online casinos. And therefore, here arises a question: “Do fair online casinos exist?” Well, there are people, who are real doubters – they see deceptions everywhere and every time. Yet, from the other side, there are people, who know what criteria to draw attention to, to avoid negative consequences. So, here are a couple of tips to use when choosing an online casino. “All that glitters is not gold” Everybody knows the following proverb – “all that glitters is not gold”. The same thing can be told about online casinos. How do you think the majority of people look for the things they need on the internet? – Right, they simply open any browser and make a query. Everyone has this…

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If you’re a landlord, or are thinking about investing in the buy-to-let sector, you may have a few questions about what’s happening with rental prices, the effect of Brexit on the property market, new laws and regulations, the importance of referencing tenants, and more. In a new ebook, by HomeLet (a top UK provider of tenant and landlord insurance) they seek to answer many of these questions, and it’s a must-read for landlords and property investors in the UK. Industry experts including Ryan Bembridge from Mortgage Introducer, Sarah Davidson from This is Money and Doug Hall from the Residential Landlords Association (to name a few), have weighed in on the important, current topics concerning landlords across the country. One of the first topics discussed is the effect of Brexit, for example. Many people are rightly worried about how this will affect mortgage and rental prices, and how they should react.…

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Buying a property is undeniably the biggest financial decision in your life. There won’t be any other purchase that costs as much as a property will. As such, it’s important that you understand the financial side of things. In this piece, I’ve got all the relevant information to help you out. Read all of my advice down below: Finance Options Buying a property presents you with various finance options. Some are more suited to you than others. This section will explain some of these options for you. Hopefully, the information will help you decide which one is best for you. Mortgage Loans Mortgage loans are probably the most confusing loan out there. But, they’re arguably the most important one too. For millions of people, they represent the only way to buy a home. There are so many individuals that apply for mortgages every day. It’s a loan that can cover…

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If you’ve recently taken a good, hard look at your finances and are thinking about ways you can save money, you’re not alone. More and more people are slashing their spending and setting savings goals for things like a new car, a new home, or a vacation away with the family. Today, I have a great way for you to save money this year, and the best thing about it? You can do it from home. As someone who doesn’t like to leave the house unless I really have to, this is excellent news for me as well. Introducing: Groupon Coupons. We all love Groupon, and many of us have used the site to snag some incredible deals, but did you know they now do coupons? And not just any coupons- almost 70,000 coupons are available for more than 9,000 stores- I can almost guarantee that your favourites will be…

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Having the right financial advice can mean the difference a successful case and one that isn’t. But knowing where to look for legal advice can be difficult, especially from a financial perspective. Here are some of the do’s and don’ts of getting legal help. Don’t Put it Off Because Of The Price Up front costs for legal advice can sometimes seem high. But it’s important to remember that legal advice is likely to lead to lower costs over the long term. Sure, $180 for a consultation might seem like a lot. But making a mistake with your case could end up costing you much more in the long run. Do Ask Your Adviser For A Price Up Front If you’re worried about costs, then you can always ask your financial adviser for a price up front. They will usually be able to tell you how many hours they think you’ll…

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Money might not be the most important thing in the world, but it certainly has a huge impact on our opportunities in life. As such, the desire to earn more of it is an ambition that unites us all. But you don’t need to worry about everyone else. You need to worry about you. Once you’re stuck in a routine, the notion of increasing your wealth can feel like a fantasy. However, it is possible to make those dreams a reality. The most important step, by far, is to realise that opportunities won’t hand themselves to you on a plate. Actions speak louder than words, and following the right plan is the only way you’ll ever reach those goals. Here are the seven golden tricks to help you finally find the level of financial status you deserve. Invest In Yourself In your career, you’ll often encounter tight margins between success…

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