Millenials and credit cards

Friday, 20 July 2018 by

One one level, credit cards are pretty straightforward.  You put a purchase on your card and then you pay it back.  On another level, credit cards are rather more complex.  In fact, it’s rather an open question how many adults really understand how they work and it’s arguably completely understandable that younger people don’t really

Even when they’re run by the same political party, local councils and central government do not necessarily see eye-to-eye, particularly not when it comes to funding and the use of funds.  In particular, the cost of paying for social care for the elderly is rapidly becoming a key point of contention between local councils, central

There are plenty of statistics about the number of small business which fail after only a relatively short period of trading (sometimes less than a year).  Recently, however, the UK has seen a spate of well-known names close their doors for the last time (Woolworths, BHS and Maplins spring to mind), while other retail stalwarts

Switch on the TV for any length of time and it’s a fairly safe bet that you’ll see at least one advert for some form of insurance in the consumer sphere, like home insurance, car insurance or pet insurance.  Businesses, however, can need protection too and appropriate insurance can be one way of getting it.

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In principle, a person can start a new business even while bankrupt although there are limitations on this.  Once a bankruptcy is discharged, the individual concerned can essentially start a business in the same way as anyone else, at least in theory, in practice even discharged bankrupts can face extra challenges, the good news is

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Retailers need customers to spend money in their shops in order for them to stay in business and there’s nothing particularly new about shops offering credit in one form or another in order to make it easier for customers to afford their purchases.  Recently, however, JD Sports made the headlines for all the wrong reasons,

Restaurant kitchens can be tough places to be, full of boiling liquids, steam, sharp knives and, at times, a lot of pressure.  Restaurant boardrooms may have fewer physical dangers, but they can also be tough places even for the best and biggest names, Gordon Ramsay and Jamie Oliver have both famously struggled with restaurant-related debts,

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New crackdown on loan sharks

Friday, 01 June 2018 by

Debt is a big word.  It covers everything from mortgages to payday loans and their illegal counterparts.  Sometimes it can be cheap, such as when you pay for a group meal and your companions pay you their share the next day – no interest applied.  Sometimes, however, it can be expensive, in the case of

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Debt can be very useful, for example, it can enable people to buy assets like houses, but it can also become a problem and if it does, then that problem needs to be addressed.  Dealing with debt can be a challenge for even the most emotionally-stable of people, it can be even more difficult for

If you’re self-employed, or thinking of moving into self-employment, then it’s usually strongly recommended to look at finding private equivalents of the sort of insurance packages which are often offered as part of employee benefits packages.  If you are planning on starting your own business (as opposed to providing services on a freelance basis), then

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