Hairdressing & Salon Insurance - For Less

Whilst all UK businesses have had an extremely tough time in the past few years, with business survival being an issue for many, there are certain trades which have been harder hit. Hairdressers, barbers and beauticians have taken their fair share of pain and this is likely to continue for the next 12 to 18 months. As the British public have adapted to life during and after recession, the amount that is spent on luxury personal grooming has reduced.

But, most salons have found various ways to tough out the last few years. The range of products and services they supply, and the costs, have changed. A hairdresser that doesn't offer beauty treatments or sale of hair cleaning or grooming products is a rarity nowadays. Most have decided that the wider the range of products and services they can offer, the more likely they are to get customers, both new and repeat.

Another way that the pain has been lessened is of course, cutting costs. Commercial rents have been renegotiated, supplier discounts have been increased and any other product or service that they receive has been reduced to the lowest possible cost.

Salon insurance is one area where the potential for cost saving is great. The difference between business, car and home insurance is not much at all. You have seen the adverts on the T.V. for the past dozen or so years saying that by going to XYZ insurance company someone has saved anything up to £200-£300. Whatever you are told, business insurance is exactly the same. If you shop around enough, you will always save yourself money on your premium. But, the difficulty is, the premium is only half the story. What about the level of cover, the excess, the terms and conditions and the service you get when you have a claim?

These are very important and you really do need to consider these aspects when you are considering moving your insurance cover elsewhere.

You can get salon insurance for less, but the best, and safest way to do this is to speak to a business insurance broker. You may ask why, and the answer is quite wide-ranging. To trade as an insurance broker, you need to apply to, and receive formal authorisation "to trade" from the Financial Service Authority. Without it, we cannot sell any insurance companies products.

So, if you are looking to get a better quote and you speak to a broker, we have to abide by certain rules, regulations and guidelines. One of these is Treating Customers Fairly. We cannot offer you a cheaper quote, without pointing out the differences in cover, if there are any. If you look yourself and visit various different websites that "offer" to compare business insurance, you will not receive any help and advice. All you get is a premium in big red flashing letters, saying "buy me". Then, there will be a small link saying "terms and conditions" or "policy wording" or something similar. It is here that you find whether there are any onerous terms or huge excesses. Go through a broker, and they will point these differences out to you. If they don't and you can prove it, then you have a case to go to the Ombudsman at a later date.
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How to choose a credit consolidation loan

When you are in deep financial trouble and are unable to manage your debts, you can opt for credit consolidation loans to pay off your credit card debt. However, making a right choice could be difficult as these loans vary in amount, interest rates and repayment period. So, consider the deciding factors before making a decision to get the best deal.

Things to consider before you choose a credit consolidation loan

Make sure you consider the following factors before choosing a credit consolidation loan.

  1. Interest rate - This is one of the primary factors that affect your borrowing decision. The higher the interest rate, the more you pay for the loan. But it will be difficult for you to get loan for at lower interest rate if you have a poor credit history.
  2. Understanding the terms of the loan – You must make sure that you understand all the terms and conditions of the credit consolidation loan before you make a final decision.
  3. Repayment period - Credit consolidation loans lower your monthly payments by lengthening your repayment period. But you can also take advantage of the lower payments in the short term till your financial position improves when you can you'll be able to pay off your debts faster.
  4. Your options – Consider your options before choosing to take out a new loan. You may be able to receive other forms of debt solutions, which is often a better option than taking out a new loan. You can simply opt for credit counseling for debt relief. You must weigh all your options before taking out an additional loan.
  5. Affordability – The main aim of combining your debts with credit counsolidation loan is to make your payments more affordable and manageable. So, make sure that the monthly payments fit in your budget comfortably before you choose to take out a new loan.

Choosing a credit consolidation loan would be simple if you consider the essential factors mentioned above before choosing a new loan. It is essential to shop around and gather all necessary information to get the best deal.
Credit insurers - Debtor Insurance gives you protection against non-payment of invoices. Our services include commercial credit insurance and business credit insurance etc.

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How To Buy A Diamond Without Breaking The Bank

Congratulations. You are just about ready to buy a diamond. Perhaps you have finally proposed to your girlfriend, or maybe it is an anniversary gift for your wife of many years.

Buying a diamond is an expensive proposition. For this little thing you are going to pay hundreds, or more likely thousands, of dollars. Even worse is you look at the diamond and you have no idea what you are looking at – if it is what the salesman told you it is, if the issues the salesman pointed out are really the important ones and what did he “forget” to mention about the diamond, what to look at to know if the diamond you bought is worth the money. So not only is it an expensive proposition, but it is also a frightening proposition.

There are really two aspects of buying diamonds by which you can save yourself a nice amount of money. One of those is where you buy your diamond, and the second is what features of the diamond you concentrate on.

The first question is where you should buy your diamond. The old fashioned way would have you going into the shop of a local jeweler and having him tell you which diamond to buy, since they all look the same to you. Nowadays though, there is another, a better, option.
The better option is buying your diamond online. There are numerous benefits to buying diamonds online, while there is only one benefit to buying the diamond in a bricks and mortar jewelry store.

If you are buying the diamond in a bricks and mortar store, you have the obvious benefit of being able to see the diamond before you buy it. You get to hold it in your hand and inspect it to the best of your ability. You can look at it under the lighting, and lay it up against a couple rings and get a good idea of what it might look like on your wife’s finger.
The drawback of this is that even though you get to hold and look at the actual diamond before you buy it, if you are like most people you probably have no idea what you are looking at and how to evaluate the worth of the diamond in your hand. And you will be paying 20%-30% more by buying it from the jeweler just for that advantage of getting to see it.

B&M stores have a lot of overhead. They have to pay rent, they have to stock an expensive inventory, they have general overhead such as salaries, electricity, water, and the like, and all that gets added to the sales price of every item they sell.

When you buy diamonds online you are really harnessing the power of the internet. The major benefits you achieve in this are the amazing savings you will enjoy, along with the vast inventory available to you.

There are a number of benefits to buying diamonds online, though the most important benefit is the savings. The financial savings is the issue that most people care about the most. Because online diamond merchants have no overhead, or very little overhead, they are able to offer their diamonds for sale at much lower prices.

The lack of overhead allows the diamonds to be priced lower. This will give you savings usually in the range of 20%-30% and sometimes even more!

Is the ability to look at a diamond, even though you probably don’t know what you are looking at, worth 25% more? Think of it like this – if you were buying something for $10, you might be willing to pay $12 just to have that slight extra confidence because you got to hold it first.

When you are buying a diamond that is worth $5000, $10,000 or even more, the difference is going to be in the hundreds, or thousands, of dollars. All that extra money being saved by buying the diamond online can either be saved and pocketed, or it can be used to buy a diamond of even better quality than originally planned.

The second issue is the quality of the diamond you buy. Much of the diamond industry is built upon the successful marketing campaign of the DeBeers syndicate. The average person can’t tell the difference from one diamond to the next.

There are many features to consider when buying the diamond. The main qualities include Color and Clarity – two of “the Four Cs”. There is a wide range of color, starting from color D and moving down to Color J. D is considered colorless, and then the range moves at different levels down to J. Beyond J is already called fancy color stones.
The thing is, unless you are a trained diamond dealer, most people cannot tell the difference between a G color and a F color diamond. Or between a diamond rated an E and between a diamond rated at F.

In clarity as well, the range begins with IF (internally flawless) and I2/3 (Included). Again, to be brief, most people cannot tell the difference between a VS1 diamond and a VS2 diamond, or between a VS2 and a SI1 diamond.

There are definitely qualities of the diamond that you are not appreciating, but are paying a lot of money for. If you buy a diamond rated at VVS2, you are paying hundreds of dollars more for a quality that you see no benefit from. You can save a few hundred dollars, and buy a VS1 diamond instead.

The above is just an example, but my point is that there are many aspects of the diamond that give you plenty of room to maneuver and allow you to save money.

Phil Golden is the editor of Clarity of Diamonds where Phil uses his vast experience to help you get the most for your money and buy the biggest and best diamond within your budget. Phil gives daily recommendations of great value diamonds available online, offers free consultations by email regarding diamonds you are considering buying, and writes articles in layman’s terms so that you will make your purchase with better understanding of what a diamond is.

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Saving Know Some Ideas

Making a long-term savings plan is not at all an easy task. There is a possiblity to be something that needs your earned salary; from bills to unwanted much expenses that can not be foreseen. It may seem like you have no more money at all to fulfill to your needs. I have put a three easy yet ideal tips for really make it simple for your regullar finances and make your savings on right track. Here is the list of of some of those:

*Formulate a Budget:

This is really important that some people controlling along with their personal finances but hate the most, we must be serious on it. everyone should really do some saving in his/her life. Knowing what is my icome and ot is the out going is the first steps to better managing your finances and mainly depnding upon your money matters and total savings prior efforts. But make it in simple way should be less complicated, also it would be just a basic picture of what's coming in and going out on a weekly basis or monthly basis.

Also look keep in mind the given below options:

Ideas on investing Your Own Business

Some Tips on How to Start a Online Business

Check out How to Start an Online Business

some fast ideas to Start an Online Business

This is the fast yet simple idea to let you know what basically you require , and what you must have get at the end year or month to boost your savings.

Keep Track of Spendings:

Keep a track of your all spending and track your general budget. You will get the areas where you save your spending each month can be helpful to your savings. Before you buy anything , ask yourself " Could I do without it?"Do I really need that ? .


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