All posts by Charles Holmes

Money tips from our grandmothers

They spent their childhood during the war. For almost a lifetime, they only bought and spared or holiday in Yugoslavia. For a few crowns, however, they fed the entire family and there was also a strudel at the Sunday coffee.

After 1989, new opportunities were opened to them at work and shops, and our grandmothers adapted to them. This makes them real financial icons that deserve our respect.

Therefore, read 5 tips for each of them:

Think of the backdoor

When your grandmother gives you a hundred and warns you to put it in your piggy bank, listen to it. Your piggy bank should contain a lot more. With sufficient financial reserve, you will not be surprised by any unexpected expenses .

Be careful with loans

Grannies are the first to discourage you from borrowing. According to them, you just did not think enough about the back door. You will only soften them when you take the loan for the necessary thing and check the provider well. But do not forget to stress that you never have more than one loan at the same time.

Be patient and spend your time wisely

Do you want a new cell phone because the old one is tired of you? So save it! Grannies have no understanding of wasting things and not at all if you want to borrow money for news . If you really want a new device, save or wait until your paycheck.

Save where you can

A good housewife for a feather jumps over the fence. But you don’t have to jump anywhere. You just need to buy energy-saving light bulbs or plan weekly food purchases. Grandmother will also have no understanding of buying coffee in a cup when you can make your own at home.

Make your dreams come true

Although they often chant their grandsons, they want the best for them. Most of the time they couldn’t travel and start a business themselves, but all the more they would support you in your dreams. For example, well-intentioned advice on where to get the money for all those plans.

So when you gather experience in Australia or travel around Asia, don’t forget to send your grandma a look!

Fixed Term Deposits: What to do to get more interest for our money?

Term deposits are an easy and quick tool to obtain, which will help you increase your savings, so if you have not opted for them yet, it is time to evaluate this possibility.

Savings do not increase and over time

If you have a certain amount of money stored under the mattress or in your piggy bank, you are not only vulnerable to any situation of theft, but the money is losing its value, as it does not generate interest. That is, while all prices go up, your savings do not increase and over time, they will no longer be able to buy the same as before.

On the other hand, if you have the cash in a savings account, you are sure and it is generating profitability, but not as much as if it were in a DPF, because the difference between both accounts is considerable.

Term deposit

So, if you don’t plan to use that money in the near future and want it to grow faster, it’s time to look for a term deposit. To get the most out of them, consider the following:

– It is necessary to be sure not to use the money in a reasonable period of time, since the longer the term you leave it in the financial institution, the more interest you will raise. In addition, the main requirement of a DPF is that money cannot be used before the deadline is met.

– Remember that each entity has different minimum amounts, so it is something that yes or yes you have to verify before opening one.

Look for a higher interest rate

To look for a higher interest rate, look not only at classic options such as large banks, but also at rural, municipal and financial savings banks. The difference between one entity and the other can be more than one percentage point, which would greatly increase the interest you will charge.

The options to request a DPF are many and it is not always more convenient to go with a bank or entity where you already have an account. The recommendation is that before opening your deposit in installments, compare the alternatives and for that, you can use Sean Cole. In minutes you will check what are the available options and simulate how much you would receive interest in each one.

3 elements that are helpful when obtaining a car loan

Although car loans have slowed in the last year, there are still many people looking to buy a car for different purposes. The brands present different offers, financing options, gifts, etc., to attract more and more customers, but many of them are surprised that the credit is not approved.

Obtain a car loan

Each entity has different requirements to request this type of financing, but it is not just about them. The truth is that, meeting the requirements does not necessarily guarantee that you will get the loan, because in the end it is the bank that must assess how risky it thinks you are. Therefore, if you want to improve your image before financial institutions, these are three elements that will play in your favor:

Not having a large debt with your credit card

If you have one or more credit cards, it is more than advisable that you do not use much of your credit line, that is, that the debt is not considerable, otherwise it will be affecting your ability to pay.

Have a considerable seniority in your work

The more time you have in your work, you provide an image of stability, as you are less likely to decide to quit. Some entities ask for at least six months for dependent workers, but if you have more time, it may be a point in favor.

Properly support your income

If you have the documents in order and can support the income of your last months, either from your salary or additional, you will be facilitating the bank to carry out the evaluation, in addition to demonstrating that you are able to pay what you borrow.

Remember, in addition, that each entity not only has different requirements, but also different interest rates and particular benefits. To ensure a proper choice, it is recommended that you have at least three options. If you are looking for alternatives, use Dorothy’s auto credit comparator.

Everything you need to know before applying for small credit online

Immobility of banks

Immobility of banks

The immobility of banks with their products and their requirements has forced them to change their sights in the economic sector. Financial institutions have had to leave behind the more traditional models to offer the public a proposal that fits their current situation, which meets the needs that are presently present. In short, they offer what is known as online small credit.

Fast, online or in many other ways, these small credits lack the restrictions of common loans. Online small credits are not only fast, but can also be requested without worrying about paperwork or endorsements. Users only have to access a web form established by the financial, with little personal data and think only of what to do when they receive the money.

There is no need to provide justifications or explain what the investment is going to be done, nor doubt if it appears in financial credit institution listings. Online small credits do not need explanations, nor do they close to people who appear on delinquent listings. Its managers are aware that it is more than likely to have a problem with a company, and that on more than one occasion these records in financial credit institution are something totally undeserved.

When you are going to order one,

When you are going to order one,

You just have to indicate the amount you need and the return period. Many small credits have the advantage of offering 300 euros in 30 days without interest, although both points can be modified to reach 1,000 or 2,000 euros in terms of years. They are very versatile and serve for countless occasions and needs. In case you have to make an urgent payment, in addition, the fast mini-loan is perfect for the speed with which you enter, which can be a matter of minutes.

In case of not being able to make the return when it has been estimated, it is also possible to request an extension to make the payment. Thus, online small credit is becoming an increasingly predominant alternative. Many entities already offer them, taking advantage of all their facilities and benefits, so that many families can not worry when they need extra money.

Without endorsements or payrolls, without justifications, but with limited quantities. You just have to take your mobile phone and enter the financial website of your choice and request that online small credit you need.

Finance fast with an instant online mini credit.

There are still those who think they have to lose weeks to get private or business financing. We explain why and how that is no longer the case and how to get a mini credit instantly.

The usefulness of a mini credit instantly

The usefulness of a mini credit instantly

The mini credit instantly is a product designed for a specific customer profile. A person who needs a small amount of money to face a timely expense. You may have the ability to respond, but at a certain moment you lack liquidity. These types of situations have always existed but in the past it was more difficult to obtain financing to solve them. You could encounter two recurring problems:

  1. The financial institution did not give you the credit alleging precisely the lack of liquidity. Although this argument is the whiting that bites its tail, it was radically true. Many times, factors such as equity or the existence of non-payroll income were not taken into account.
  2. In case of granting the loan, this was delayed for reasons not rationally explainable. Do not forget that the priority of financial institutions was credit to companies or mortgages. Therefore, it was perfectly possible that, when you had the money, you no longer needed it.

Increasing competition in the market is essential to eliminate these dysfunctions. This is why this issue is given capital importance. We must not forget, however, that in Spain there is still a long way to go in loans instantly. As of 2009, these types of loans increased exponentially, but we are still below the European average in some aspects.

This is one of the reasons why it is necessary to offer tools to the consumer that allow them to know the available products. The Online Loans task is already heading in that direction. Keep reading because we offer more details about how to get one.

Procedures to request financing with Loans Online Now

Procedures to request financing with Loans Online Now

The comparator is a common model for selling products on the internet and, little by little, a gap has been made. It is used for travel agencies, insurance, consumer goods and other issues. The mechanics are simple: several products are compared taking into account customer preferences and price. This is the Online Loans Service Now, applied to fast loans online. You will only have to include the desired amount and the return period.

There is another advantage if you request a mini credit instantly : in small amounts, you do not have to present a guarantee. This means that, up to 300 euros, you can get financing even if you have FCI or Financial Credit Institutions. Therefore, flexibility is gained to finance small expenses. In addition, the process is designed so that only with your ID and personal data you can submit your request. You won’t need anything else and the answer is almost instantaneous.

It has never been so easy to get fast financing, without giving explanations and choosing the best offer. In 24 hours you will have the money in mind in case of a positive response, scrupulously following the regulations. Visit us on our website and know the possibilities we can offer you.

Tricks to save gas

Rate this post Under current conditions, saving gas is the point that every motorist is looking for. Whether for money reasons, saving issues that have to with fuel supply drivers are finding how to make the most of fuel efficiency in their car.

Ford tips to save gas

Ford tips to save gas

Given this, Ford has published actions that can help you reduce fuel consumption by up to 50% in your car.

We know that if you enter the network, you will find multiple tips, many of them include altering the fuel even the compartment that holds it, we do not recommend this because it is not a cure for fuel consumption on the contrary, it can Damage your car and above it can endanger your life.

For this reason, we advise you to follow these 7 actions that one of the most prestigious companies in the automotive sector recommends:

1. Avoid using the air conditioner

1. Avoid using the air conditioner

This is a popular and popular trick. Ford tells us that if you keep the air conditioner off the savings could reach up to 12%. But, you must take into account that, only princess uses the use of air conditioning constant and moderate speed, if your speed starts to increase or you use highways, tension of the open windows of your car, it would make the acceleration more necessary to reach an optimal speed, so your fuel savings would be lower.

2. Adjust the tire pressure

Always inflate the tires of your car to the pressure indicated by its manufacturer and keep in mind the weather conditions in which you are going to drive. Keep in mind that a low pressure on your car tires can reduce its performance by up to 4%. Avoid it!

3. Plan all your trips and trips

If you want to save gas when you travel, take into account all the details of your trip. Locate the stops, the booths, the sites with traffic jams and try to take the simple and safe routes.

Ford estimates that, for every 10 minutes per hour of extra traffic, up to 14% is added to your gas mileage. Therefore it is very important to know the route and the estimated times.

4. Apply the «Saver Start»

This is a trick that Pro motorists know very well and is to start the car so that the power is so high and does not waste so much gasoline. Apply it to your standard car, follow these steps:

a) try to start the car without stepping on the accelerator and use the first speed only for the start of the ride
b) change second speed immediately after passing the initial 5m

If you drive after the second speed and avoid sudden accelerations, you can close up to 11% of your car’s fuel consumption.

5. Lighten the weight of the vehicle

If your vehicle carries a lot of weight this can consume up to 6% more fuel, it may not mean much but, if you multiply 6% of every day for 7 days a week, for 4 weeks, for 12 months you will see a figure that will surely impact you.

6. Maintain a uniform speed

If you keep the vehicle at a uniform and acceptable speed of fuel it is greatly reduced.

»Gasoline consumption is directly proportional to the way you step on the accelerator» Ford Company

7. If you are not moving Turn off the car engine

7. If you are not moving Turn off the car engine

If you live in a chaotic city where traffic is a daily thing or you have to make long lines, we recommend you turn off the engine.
In case you thought that the car did not consume gasoline while not moving with the engine running, we have bad news, this is not the case, in addition to the lowest fuel consumption in a normal engine without the car being turned of 0.10 liters of Gasoline

Whether or not you have gasoline, it is important that you follow these recommendations to become a true fuel saving expert. Remember each weight is a weight you can invest in the future.

The three things that happen when you choose your credit card wrong

Credit cards must be chosen carefully. It’s not about accepting by accepting or leaving with the first option they offered you. These instruments are good for our finances and help us develop our credit history; Currently, there are many cards in the market, all with different conditions, created for different profiles.

If we choose a card that does not agree with our profile

We cannot take advantage of it and we will end up having a bad experience. Exactly, what could happen with a credit card that is not ideal for us? We leave you three situations:

You cannot take advantage of benefits that match your profile

Each plastic brings very beneficial things that you can take advantage of, but the truth is that not everyone will serve you. By choosing at random, you miss those that have something good for you. For example, if you are not a person who travels a lot, a card that accumulates miles will not be useful. On the other hand, if you constantly visit discos and bars, a card that offers discounts on the latter, will be the one that goes with you.

You spend more on interest

If you do not compare the interest rates or inform yourself about which cards you have pre approved and only choose based on the propaganda or experience of others, you lose the opportunity to obtain a plastic with a more comfortable rate, which implies that , if you usually finance your purchases in installments, you will be paying more in interest.

You put your finances in danger

Not only because you get more expensive, but because you could be assuming additional costs such as membership, insurance, etc., which on other cards could be eliminated. To risk being late in payments is to risk your history and your finances.

But how do you know which card goes best with your profile? Basically, compare the options in Thomas Bigger and verify not only which are the ones with the lowest rates and most benefits, but also if you have any pre-approved ones.