4/08/2014

Toyota corolla generation 2

First launched in 1970 by the car chassis code KE20 Corolla Sprinter (Corolla Sprinter) have been added to the list sedan body style production. And launching model Corolla Levin (Corolla Levin) and Corolla Sprinter True Knowledge (Corolla sprinter Trueno) by body style coupe GT used and Toyota 's car cattle. Corolla achieves very high. Therefore, separate business selling Toyota Corolla into two businesses are selling car Corolla Sprinter , Corolla Sprinter True Knowledge business Car Corolla , Corolla Village . Win Body style has more variety , including coupe 2 -door , station wagon 3 and 5 -door , sedan 4 doors and van 5 doors and an increase in engine size to 1.2 , 1.4 , 1.6 liter sizes and car makeover this success. very high This can be seen from the fact that even though the Corolla will debut its 3 in 1974 , but this makeover 2 production continued until 1978 , it was discontinued in Corolla models. the first consists in
.

Toyota corolla gen 1 Toyota corolla gen 3

4/07/2014

Toyota corolla generation 1

Toyota Corolla generation 1 .

First launched in 1966 KE10 chassis code initially produce only body style Sedan 2 door Sedan 4 -door body style started in 1967 and station wagon 4 door chassis began. production in 1968, and followed by a closing car door coupe 2 2-door coupe version of the Corolla was named only to the Corolla Sprinter KE15 chassis code during this first appearance . two engine options are 1.1 liters and 1.2 liters in the first period during 1969 onwards. Transmission in those days Do not focus on fuel efficiency And technology has not progressed Transmission Corolla car has two systems to choose is only a 4-speed manual transmission and automatic transmission with 2-speed , but with a small piston engine . Make fuel-efficient cars Compensate for the gear, with a few Speedway. Thailand has imported officially distributed by Toyota Motor Thailand 1966 by a car imported from abroad. No operations in any way.
Generation 2

4/05/2014

Importance of Having Your Boiler Serviced Annually

Saving N Spending

Importance of Having Your Boiler Serviced Annually

Posted: 04 Apr 2014 08:36 PM PDT

Most boilers have an average lifespan of twenty years. It's a good return on your initial investment.
You have to maintain your boiler to maximize its lifespan, though. A boiler not serviced at all can expect to last less than 10 years.
Unfortunately, it's common practice across America to not get regular servicing. Most companies make you pay for an annual maintenance service. It's a wise investment.
In this article, we hope to show you why this is the case.

Minor Repairs

Annual servicing increases the chances of spotting problems before they turn into catastrophic issues. Boilers rarely work one day and break down the next. Their condition gradually decreases until the owner finally notices.
A boiler repair costs far more than an annual servicing option. If you want to stave off the cost of a repair, do so by catching problems before they happen.
Contractors inform you where there's potential for a problem. The vast majority of issues can be addressed before they happen, but only if someone regularly checks out your boiler.

Reduce Heating Costs

It's not just about preventing problems with your boiler. Most boilers will suffer from efficiency decreases before they start to have any real problems. You should see inefficiency in the same light as a broken boiler.
When we talk of inefficiency we talk about a boiler using more fuel than it needs to produce the same amount of heat. Older boilers tend to be more inefficient.
Engineers who service your boiler are also looking for areas where efficiency can be improved. Take their advice on-board because inefficiencies cost hundreds of dollars every year.
Your fuel bills will decrease if you make your boiler more efficient. In some cases, an engineer could recommend replacing the boiler completely.

Carbon Monoxide Threat

The biggest threat from a broken boiler is carbon monoxide poisoning. Some of the main causes of carbon monoxide poisoning are:

Improper installation.
Not enough ventilation.
Leakage.

So how does an annual servicing control the threat of carbon monoxide?
The reason carbon monoxide is such a danger to householders is it's difficult to spot. It doesn't have any odor or color. The symptoms come on slowly and can be mistaken for other illnesses. The main symptoms are headaches, nausea, and stomach pains.
Annual servicing helps to spot the warning signs. It's called 'the silent killer' for a reason. It makes no sense to take a risk by not ordering an annual boiler inspection.

Landlords and the Law

Depending on where you are in the country, you will have to look at laws regarding boilers and your obligations. Most states have laws regarding what a landlord must do to ensure their properties are safe.
It doesn't always extend to demanding yearly servicing, but you will have to have various certifications. The cost of a boiler malfunctioning and causing harm could number in the hundreds of thousands of dollars.
As a landlord, the best option is to have your boilers serviced annually. Even if it isn't the law and the worst does happen you can show a court of law you take safety seriously.
Overall, no matter who you are you have to pay attention to safety. Your boiler can turn into one of the biggest money drains in your property. By having it inspected on a regular basis, you're making sure your house is safe and efficient.
Plus, you avoid the huge cost of purchasing a new boiler and installing it from the ground up.
See if your boiler provider has any special offers on annual servicing. Some companies offer them free of charge, or at a reduced rate if you're subscribed to a certain energy package.

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How To Get Affordable Life Insurance While Diagnosed With Hepatitis C

Posted: 04 Apr 2014 07:32 PM PDT

Finding life insurance when you have hepatitis C can be quite a challenge for most people. Usually, inexperienced agents don’t know which companies or what processes to take to properly get a quote for their clients, so then their clients think it’s impossible to get a good policy just to the fact that they have hepatitis C. Well, the truth is, you can still qualify for life insurance. By using experienced agents who contact the right companies, you will have a much better chance at getting an affordable policy. There are tips to help you qualify, which we will be covering over the next few sections.

2 Main Aspects Of Getting Life Insurance With Hepatitis C

There are two major parts to what insurance companies will look at when making their decision to provide you with life insurance. The first aspect is all about how much damage your liver has taken so far. For obvious reasons, the less damage, the better chance you will have at obtaining the policy you want. The second aspect they are going to look at is whether or not your hepatitis C is in remission or not. You can obtain standard rates if you have provided proof that you are in remission and also have very little to no damage. If you already have taken liver damage, don’t worry because you can still qualify, but the rates are going to be substandard.

Things To Know When Trying To Get Life Insurance

Before you go off and start talking to agents, it’s important that you have all of the information that might help your case. So to help you out, we will cover each thing in a separate paragraph.
The first thing you will need is the date you were diagnosed with hepatitis C. It is important to them to know because they can determine what steps you have taken while you were diagnosed. It also gives the insurance companies a better idea of how well you have adjusted. You will also need to provide what type of hepatitis C you have. Acute viral, chronic active, or chronic persistent.
Next thing you should find out is your liver enzymes. This information will help determine how healthy your liver is and whether or not the enzymes are under control. It is quite easy to get that information from your doctor, so next time you have some time, get it done. The more recent the results are, the better.
A list of all of your medication is going to be required. What types of meds they were, how much you were taking, and how long you have been or were taking them for. This is information that is extremely important, so make sure to have it readily available. This also include self medication, such as alcohol. You will be required to give all of the details regarding your drinking.
You will need all of the details about how you were diagnosed and/ or treated. Liver biopsy, CT scans, MRIs, and anything else should be included. You will also need to provide the findings of these tests so that the agent is fully aware of exactly what is happening. One thing you should try to provide proof for is how many times do you go and see your physician. The more you stay on top of your hepatitis C, the better chance you will have with the insurance companies.
The last thing is of course, any other health issues you might have. Basically, the more details you can provide regarding your hepatitis C and any other health related issues, the better. This may not be necessary if you can get no exam life insurance.

Where Should You Go To Find The Best Rates?

Root Financial has proven to be a great company to use when looking for insurance policies. They completely understand what it takes to provide their clients with affordable life insurance and which insurance companies to apply with. They also pride themselves by going above and beyond for their clients like no other agency would. In the end, you may be able to find another agent who knows how to properly handle clients with hepatitis C, but you might as well check out at RootFin.com to see if they can just make the whole process much easier.

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Getting to Grips with Gold – Gold in Your IRA

Posted: 04 Apr 2014 07:23 PM PDT

The self directed IRA offers an almost unlimited amount of investment freedom. With this freedom, it's easy to get carried away. In this article, when we talk about the real estate IRA or the gold IRA, we're referring to the same investment vehicle. It's just people often prefer to dedicate their investments to one type of commodity.
Let's take a look at how you should go about getting gold into your IRA and why this is a good decision.

Why Should You Invest in Gold?

Gold is one of those assets that's safe, relatively speaking. It's similar to paper currency in that it will rarely fluctuate wildly, and a complete crash is something you'll only see every few generations. They're similar, but they also exist at opposite ends of the investing spectrum.
The fact is currency and gold can't have a high price at the same time. Gold will only ever reach its peak when paper currency is weak. And, recently, this has been the case. In the wake of the recession, gold prices soared and hit record highs. As the markets have recovered, gold has decreased in price again.
We're reaching a point where the economic recovery is in full swing around the world. Gold will most likely continue to decline. Paper currency is bound to get stronger again.
While you're unlikely to make a huge amount of money at this point, you will be able to find gold available at bargain prices. You don't need huge amounts of money to get started.

Is Gold Different from Precious Metals?

The precious metal IRA involves investing in non-traditional metals like platinum and palladium. Gold could technically fall under the definition of a precious metal, but investors tend to see them as separate.
Other precious metals tend to have real uses. Gold is usually used as a way to protect assets when paper currency collapses. It's what has happened in every great economic recession previously.

What Limitations Do You Have?

Investors are under the same limitations with a self directed IRA as they are with any other form of IRA. You can't invest in things like insurance and fine art. You're also limited by the amount you can put into your IRA every year.
There are no limitations on the amount of money your IRA can make within the investment vehicle, however.

How to Buy Gold and Invest

The problem with the IRA is it's difficult to understand the concept. The IRA is like a company. It isn't in your name, and you're prohibited from any actions that could 'benefit yourself'.
Of course, it sounds like nonsense because that's why you're investing in the first place.
You have to think over every move. You can't buy gold by signing a check and handing it over. Most gold transactions are performed through trustee to trustee transfers.
Before you can make these transfers, the gold will need to be inspected and understood for purity and held in a secure facility. Most custodians won't facilitate a transfer if it isn't held in a secure facility.
Furthermore, you couldn't store the gold in your own home. This is another limitation. By storing anything at home, you're implying the gold is yours. It isn't yours. It's the property of the IRA. You own the IRA, though. It's an important distinction to make.
If you fall foul of any of the rules put in place by the Federal Government, you could potentially find any profits wiped out by fines and taxes. In extreme cases, your account could be closed completely. This is why having a financial advisor who specializes in the gold IRA is essential.
Author Bio
Ashley has a financial background and has been analyzing various investment options for retired individuals. Here she shares her knowledge on Self Directed IRA with the elderly.

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Tips for Saving Money on Household Utilities

Posted: 04 Apr 2014 07:09 PM PDT

Saving money on everything is becoming more and more of a necessity. With an uncertain economy and household budgets that are tighter and tighter every month, finding ways to save a few dollars becomes more imperative. Household utilities make up a large portion of most household budgets, and finding ways to save money on utilities is one method for saving money.

Create a Budget

The first place you’ll want to start when you want to cut your utility bills is by forming a budget. Record all the utilities you pay on a monthly basis. Your budget should include everything from your city electric bill to the cost of Cincinnati trash removal. You’ll need to take averages of your past monthly bills to decide how much to allot to each area. After you get your average expenses, you’ll be able to start finding ways to cut back.

Electricity

To save on utilities like electricity or gas, turn the thermostat temperature down or up, depending upon the season. Learn to wear layers to keep warm or dress in light, cotton clothing to keep cool. While adjusting the thermostat, remember to check the temperature on your water heater. If it is turned up higher than 120 degrees, you are using — and paying for — unnecessary electricity.
Get into the habit of turning off electronic items when not in use. Shut down computers, televisions, lights, and other items. Plug electronic items into power strip surge protectors to make it easy to shut everything off with one flip of the switch.
Wash your clothing and dishes in cold water instead of hot to save on the heating cost of the water. Hang your clothing to dry either on hangers or on a clothesline if the weather permits.

Water

When using water, there are a few easy ways to cut back consumption and ultimately result in a cheaper bill. Set timers for showers to keep family members from indulging in unlimited showers that run up your bill.
Reuse your clothing as much as possible to save laundry cycles. Wearing a pair of jeans once for a couple of hours does not require laundering again. Establish a rule that “if it’s not got dirt and doesn’t smell, it’s still clean.” This will save a few loads of laundry and might force your family to be more careful with their clothing. Of course, this doesn’t work for children or athletic clothing, but dress clothes and things worn over other clothing like sweaters can generally go without being washed.
Hang bath towels after use then use them again. If every person hangs their towel to dry, it will save water as well as electricity.
If you wash dishes by hand, get into the habit of running one sink for washing, then the other sink for rinsing. This cuts back on running the faucet excessively to rinse dishes.

Small Changes Make a Difference

Even a few small changes can save you a little. Making minor changes and establishing new habits will help you cut back on utilities, even just a little. Remember, every penny counts when you are on a tight budget.
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4/03/2014

Five Useful Strategies to Consider When Trading Options

Saving N Spending

Five Useful Strategies to Consider When Trading Options

Posted: 31 Mar 2014 08:29 PM PDT

There are so many ways to invest your personal money when you’re looking around at your choices. One of the more interesting options are… well, options! Options are marvelously flexible, powerful instruments that can be combined in numerous complex ways. The simplest, most straightforward option strategy is buying a call (or put) intending that the underlying shall rise (or fall) before expiration. Usually, however, a strategy will involve combining a short or long option with one or more different options and/or an underlying position. The different strategies are usually classified as bullish, bearish or neutral — referring to the direction of the underlying’s movement. Other strategies rely on options’ time decay or implied volatility properties. The universe of option strategies is vast; it is often hard to know which strategies are worth pursuing.

Covered Call Write

This arrangement (also called a buy-write) is created by purchasing the underlying and writing a call at a higher strike price. This neutral to slightly-bullish strategy has limited profit — if the underlying jumps in price, it may be called away from the trader. Owning the underlying introduces substantial downside risk, which is slightly offset by the premium collected from the short call.

Bull Call Spread

In choosing this strategy, the trader intends that the underlying will moderately appreciate before expiration. The combination is created by purchasing a call near the current price and writing a call at a higher strike, taking a net debit. The short call helps finance the trader’s bullish bet but limits the upside profit. Maximum possible profit is the difference between the call strikes, minus the initial debit, minus commissions. Maximum loss is limited to the initial debit.

Reverse Call Ratio Spread

This bullish strategy (also known as a call backspread) is entered into by writing one call at the current price and buying two calls at a higher strike. Maximum profit is theoretically unlimited and occurs when the underlying jumps dramatically. Maximum loss equals the difference between the call strikes, plus or minus the initial credit or debit, minus commissions.

Long Straddle

This is a simple, popular binary options strategy with limited risk. This direction-neutral trade is created by purchasing a call and a put at the same strike. The trader’s intent is for the underlying to move dramatically either up or down and/or for implied volatility to increase. Maximum profit is theoretically unlimited (though issues can fall only to zero). Maximum loss equals the initial premium paid plus commissions. There are two possible end points at which the long straddle breaks even.

Condor

The condor is a direction-neutral, limited-risk strategy with limited profit potential. The trader believes the underlying will essentially remain flat. The trade is entered by selling one near-money call, buying one call below that, selling one out-of-the-money call, and buying one call above that. Maximum profit occurs when, at expiration, the underlying is between the two middle strikes; this profit equals the difference between the lower two strikes, minus the initial debit, minus commissions. Maximum loss equals the initial debit. There are two points at which breakeven can occur.
Options trading can be a difficult thing to take on, but there are a myriad of resources that can help you to understand the possibilities for trading them or other investment avenues. Professionals like binary options brokers can guide you in your investment decisions, or you could look for answers on your own with the broad range of finance websites on the Internet. Options might not be the best first step for those that are new to investment, but when you’ve gained some experience they can be a valuable avenue to have available to you. Either way, do your homework and make sure the resources you rely on are actually fairly respected and trustworthy sources.

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Ways to Get Cash Fast and Save Money

Posted: 31 Mar 2014 08:07 PM PDT

Yes, we have all been there…
That carefully planned monthly budget that is blown apart by an unexpected expense that can't be avoided or delayed. That's when we might all benefit from having access to a fast cash loan for a very short period of time.
This is where companies like wonga.com might come in extremely handy if you're feeling the pinch (although I recommend you be well aware of the risks before commiting to anything but if you are looking to consider alternative options and to concentrate on the most cost-effective solutions, the following tips might also be useful:

It's always better to avoid borrowing money where humanly possible. Try to think outside-of-the-box to find ways that you can juggle your finances around so as to defer something else thereby meaning you can avoid using a loan;
Family and friends can be a good source of essentially free money in terms of interest rate borrowing. Of course, involving people in your financial affairs that are well-known to you isn't always desirable but it might be worth considering;
Think about selling something that you have no particular need for on ebay or gumtree for example. It's amazing how much money we all have lying around in cellars and attics though this might not be the fastest route to getting some cash;
Talk to your bank manager. Some may be able to offer you a short-term overdraft facility providing that you have a relatively good and lengthy history with them. It might conceivably also be one of the more cost-effective solutions open to you. On the downside, this route might not be as easy to follow as it was before the various financial crises of recent years but it is still worth considering;
Ask for a salary advance. Some employers may be willing to do so and if they do, it is a very cost-effective way to borrow money. True, not everyone likes sharing their financial problems with their employer and you may need to be very careful that you will be able to cope in the month ahead when your pay packet is reduced by the amount you have borrowed;
If you do use some form of professional credit organization, it only makes sense to compare the products, facilities and charges between one option and others. In other words, shopping around is always a good idea.

The most important thing to do should you find yourself in such a situation is to stay calm and avoid panicking. You are far from alone and in a complicated world with many financial stresses your position is nothing to be embarrassed about or ashamed of.
It is though important to avoid becoming involved in what is sometimes called a "debt spiral". Needing to occasionally borrow modest sums of money to deal with an unanticipated bill might not be an issue but if you find yourself needing to borrow money every month simply because you are unable to cope with your regular living expenses, then it might be sensible to seek specialist advice.

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Three Unconventional Methods of Funding your Business

Posted: 31 Mar 2014 08:01 PM PDT

The natural fluctuations in the economy mean there are times when conventional credit markets become tight. In these instances, rather than giving up on the idea of credit and letting an opportunity pass you by, there are alternative, less conventional sources of finance you should turn to. The recent credit crisis that devastated traditional credit sources made businesses more innovative in the way they access credit, spawning new opportunities that your business can take advantage of today.
One of the main obstacles to accessing credit from traditional sources is your business' credit profile. There are There are several free company checking websites in existence (link points to Rmonline as an example) which allow you to keep abreast of your business' credit rating, and, if it's poor, find ways to improve it. By checking your profile once or twice a year, you can ensure your credit profile is moving in the right direction on the back of positive actions such as meeting agreed payment deadlines. However, there are also methods of borrowing which are less reliant on a positive credit profile. Let's take a look at some of these less conventional sources of business credit.

Factoring

Far from being innovative, factoring is actually one of the oldest methods of financing a business from within. "Factoring is a financial transaction in which a business sells its accounts receivable to a third party at a discount" (Source: Wikipedia). So, in practice, if you were owed £50,000 for some work your business had completed, but the invoice wasn't due for another six months, you could effectively sell the invoice to a factoring company for 80 percent of its value, i.e. £40,000, and receive the money upfront, rather than having to wait the full six months. This is a great way of releasing the capital tied up in unpaid invoices to help businesses regulate their cash flow and take advantage of opportunities as and when they arise.

Hedge-fund lenders

Hedge-fund lenders are traditionally less risk averse than more conventional sources of finance such as banks. Whilst high street lenders might shy away from an investment in high risk businesses such as start-ups in the technology sector, hedge-funds are more prepared to back these businesses with the hope of higher returns. The benefits of hedge-fund borrowing are the large amounts of money available, often very quickly. However, this can also be to the business' detriment, as such a high level of gearing often attracts high borrowing costs and penalties if the business begins to falter on its payments.

Peer-to-peer lenders

A peer-to-peer lending agreement is one made between a business owner and their friends, family or strangers who believe the business will be a success. The pros and cons of such an agreement are plain for all to see. Obviously this type of agreement may allow a greater degree of flexibility in regard to repayments than a conventional agreement with a bank, and the money can be accessed quickly. However, there are few situations when the maxim "never mix business with pleasure" rang so true. Personal issues can all too easily become intertwined in the lending agreement. Friends or family members may expect non-financial kickbacks such as employment if the business does well, or a stake in the business further down the line. So, although the relative informality of such an agreement can seem like a boon, this can all too quickly come back to bite you.
Are there any other unconventional methods you have used to fund your business? Perhaps you're considering one of these three approaches but would like to share your concerns? Either way, we'd love to hear from you, so please leave your thoughts in the comments sections below.

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Tips for Repaying a Personal Loan

Posted: 31 Mar 2014 07:54 PM PDT

Five Ways To Save Money and Reduce Your Living Expenses

Getting a personal loan can be a daunting experience. Read our handy guide to repaying personal loans for some great, useful tips on repaying a personal loan and ensuring that the loan is something which you can manage from the very start to the very end of the loan repayment process.
Only apply for the amount you absolutely need and consider alternatives to the loan from the start
When applying for the loan try to keep the original loan request as small as possible. The higher the amount requested, the longer it takes to pay back and the more interest will accrue in the period the loan is being repaid. It also helps if you consider alternatives to the loan, for example could you postpone anything like your Masters, or your purchase of a car until you have at least half of what you need saved?

Focus on the long-term

Far too many of us focus on the immediate needs that a personal loan will meet, without paying much attention to the long term implications of getting a loan that needs to be repaid every month for a set period of time. The longterm implications of the loan should be assessed well in advance of the loan application, but way too often this vital consideration is ignored. If you focus on the whole picture instead of the exciting one that involves spending cash on something you need, then you will master the art of repaying personal loans wisely from the start.

A process of continuous evaluation

When you have a loan to pay back you need to have a repayment plan. Don't just rely on being able to consolidate the debt at the end of the loan term or hope that it will all work out in the end. Make a commitment to continuously evaluate your financial circumstances and tie this into some form of plan to repay the loan. Check out the 'personal loan' brand Wonga – they offer transparent no nonsense advice, tools and information on all their short term loans so use the tools available to help you understand the full cost of a short term loan.
If you are struggling financially you may consider getting a part-time job to help repay the loan, or you may consider looking for a salary increase. Whatever your way of adjusting to any cash shortage, the most vital thing is that you know your finances inside out and that you keep tabs on them as they fluctuate, planning for any changes.

Keep loan documents

It is very important that you keep all loan documentation in a safe and secure place. This will help you if you ever have to contact your lender to discuss your personal or financial circumstances, or if you are reviewing your long term repayment plans. It is amazing how easily we can forget the ins and outs of personal finance liabilities just because our documents go missing! Stay on top of this by planning to keep all documents in regards to the loan secure from day one.

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Everline Future 50: Britain’s Most Revolutionary New Businesses Revealed

Posted: 31 Mar 2014 07:16 PM PDT

Now in its third year, the Future 50 project, set up by Real Business in 2011, shines a spotlight on the UK's 50 most disruptive early-stage businesses who find innovative ways to drive the UK economy.

The Future 50 Awards (that is annually sponsored by business loan website Everline) were held on 25th February in conjunction with Real Business at a party in Old Street – the hub of London's start-up scene – where the results of the final 50 were announced by comedian Seann Walsh.
Over 200 guests, including MPs, journalists and former winners, attended the event at LSO St Luke's, London, to hear about which of Britain's organisations made it to the final 50.
Amy Carroll, Group Editor, Real Business, remarked: "This year, our mission to identify the UK's 50 most disruptive early-stage businesses has resulted in uncovering a host of companies that we're confident will feature strongly in the UK business landscape for years to come. Congratulations to all those who were shortlisted as well as those who made the final 50."
It's clear the UK is a hub of innovation, with a multitude of high-calibre entries, ranging from recruitment, to holidays, to funeral planning and more, all of whom show that small business are continuing to find inventive ways to drive the economy.
So, without further ado, here's a list of Britain's most cutting-edge, exciting new businesses, all of whom are set to challenge the norms and traditional thinking in their field.
appearhere - a marketplace for connecting landlords to tenants for commercial property.
Asset Match – arranges share transactions between interested buyers and sellers of established, private companies.
Boticca.com – a London-based retail website for jewellery and fashion accessories from a selection of up-and-coming fashion designers.
BuyMyWardrobe – provides a dependable online marketplace where individuals and businesses can trade pre-owned designer fashion.
Calls in Confidence – provides an independent, cost-effective, confidential and anonymous whistle blowing service.
Cambridge Intelligence / KeyLines - create innovative visualisation software which enables organisations to see the networks in their data.
CoinDesk - the de facto digital currency index and knowledge hub, providing digital currency news, prices, charts, guides and analysis.
CompareTheCoffin.com - supplies the best-value, best quality coffins and caskets direct to the public, together with a free funeral comparison service and Funeral Planning tool.
Contego Fraud Solutions - performs immediate due diligence and risk analysis on individuals and companies.
ECO Plastics - UK's leading and highest quality reprocessor of recyclable materials.
EVRYTHNG - provide the dynamic, intelligent web identities for individual physical objects.
Funding Options - helps firms up and down the country to access business loans and to manage their cash flow.
Gousto - provides customers with all the ingredients in the right proportions to cook delicious meals at home.
Grabble - revolutionising the way people shop online.
Hiring-Hub.com - a ground-breaking online recruitment marketplace.
IO Technologies - a big data analytics technology company addressing the need for learning-based intelligent capabilities in the real time online display media market.
Jukedeck – enables users to create free, unique soundtracks for their videos
Kabbee - an app that ensures Londoners save money getting a cab.
Kykloud - delivering integrated asset management solutions for the mobile workforce.
LawBite - solution for businesses seeking affordable, accessible, straightforward legal services.
liftshare.com - the largest car-share network in the UK.
LOVESPACE - help customers live a bigger life, one box at a time.
Loyalzoo - offers independent retailers a loyalty app to replace loyalty cards.
Mainstage Travel - the leading clubbing and festival holiday operator in the UK.
Moni – the new way to send money home from your mobile.
Motoriety UK - manage all aspects of admin, ownership, and maintenance in one secure online space.
Movebubble – a pioneering peer-to-peer community marketplace for long-term residential property lettings.
Paddle - the quickest way to securely pay online and on mobile web.
Parkopedia - allows drivers to find the closest parking to their destination, tells them how much it will cost and whether the space is available right now.
Paythru - the market leading mobile payment specialist.
PrivateFly - the fastest growing aviation booking service for private jet charter and private aircraft hire.
proversity.org - aims to develop the next generation of "Massive Open Online Courses" (MOOCs) that are reshaping the education sector.
Quill - meets the world's almost voracious demand for digital content.
Rainbird - an innovative AI engine platform that allows anyone to capture their knowledge and publish it.
Realeyes – allows brands, publishers and agencies to make profitable marketing decisions by measuring human emotions via webcam in real-time.
Reevoo – help clients harness the Voice of the Customer and put it to work across the purchase journey and the entire business.
Revector - global provider of mobile anti-fraud and revenue protection services.
Screenburn - a Facebook video-on-demand platform enabling the sale of film and television from a Facebook page.
ServiceTick - enables clients to learn how their customers feel about them in real-time and is now used to drive board-level service strategy.
Sign Solutions – Britain's leading provider of communication services for Deaf and Hard of Hearing people.
Skimlinks - gives online publishers myriad ways to effortlessly and automatically earn.
Tabl - a peer-to-peer social dining platform that turns private houses, apartments and other spaces into informal, pop-up eating establishments.
The Chapar - a luxury personal shopping service for 19-60 year-old men who can't get to the shops.
The Mobile Vet - helps the elderly/infirmed access veterinary care for their pets and, by removing the need for surgery trips, significantly reduces pets' stress levels.
The Social Ad group - making social advertising pay.
TyresOnTheDrive - a regional mobile tyre fitting service, bringing the expertise of the garage to a customer's place of work or residence.
Versarien - employs innovative technology and patented manufacturing processes to develop advanced engineering solutions.
Virtual Huddle - allows customers to quickly and easily collaborate visually to communicate with your fellow collaborators effectively in a virtual environment as if you were in the same room together.
Wazoku – enables customers to capture good ideas via easy-to-use idea software and innovation management tools.
Yecco - provides a free-to-use tool for families with a member in need of care, whether that's a child with autism, elderly person with dementia or an adult suffering from depression.

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6 Things Everyone Should Know About Credit Cards

Posted: 31 Mar 2014 05:21 AM PDT

Credit cards undoubtedly have their good points and their bad points so the best thing anyone can do if they are thinking about signing up for one is to educate themselves on exactly how they work and the best ways to use one safely. The following outlines several important and useful tips which you should be aware of beforehand.

They should be used sparingly: The most important thing to remember about a credit card is that it is not a substitute for cash. Everything charged onto a card must be paid for eventually and so a card should only be used when you know you can afford to pay the bill by the end of the month. Setting up a direct debit to pay off the full amount on your credit card bill every month will ensure you won’t miss the payments.

They aren't a debt solution: You should never use a credit card to try and pay off debt from another source as this money will still have to be paid back, meaning the cycle begins all over again and you simply fall further and further into financial trouble. Every time you use a card you are essentially taking out a small loan and borrowing money is never a safe solution to debt problems.

There are several kinds of card: There is no one credit card that is right for everyone. They come with all sorts of different interest rates, perks and repayment schedules. There are also business ones and personal ones but regardless of whether you opt for apply online credit cards or you head into your local bank and have them talk you through your options in person, you should still always research what is out there on the market to make sure you get the best deal and that it is a card that works for you and your individual needs.

You can pay more than the minimum repayment: When you take out a card, you will be given a minimum monthly repayment that must be met if you want to avoid hefty penalty charges but that doesn't mean you have to stick exclusively to that figure. If you have cash available to pay back a larger chunk of your debt then it is wise to do so as the quicker you can pay back everything you owe, the better your credit rating will be and this makes it much easier to take out loans and secure mortgages, etc. in the future.

Banks are businesses: A bank needs to be able to make money and so they wouldn't offer people credit cards if there weren't ways for them to exploit money from their customers through them. This is why you must always read the small print of any deals before you agree to make sure there aren't any unwanted catches or excessive extra charges. There are also often loopholes that mean they don't have to offer people the deals they advertise, so always be certain you know exactly what you are agreeing to.

You have rights: As a consumer, you are protected in several ways. If you believe you have been unfairly treated by your credit card provider through the likes of false or disproportionate charges then you have the right to complain and request a refund. In many cases, people are successful if only they have the courage to ask, so ensure you exercise your rights as a consumer.

The post 6 Things Everyone Should Know About Credit Cards appeared first on .

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