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Choosing The Right Car For Your Needs

Deciding what car is right for you is a long process and an expensive financial decision. There are so many factors to take into consideration such as whether or not you want a new or used car, costs and fuel etc. It can all be a bit overwhelming!

It can be hard to know where to start looking and what you’re looking for? No fear, I have put together a simple guide on what to look out for and what you should consider when choosing the right car for your needs and budget.

The biggest decision is always the choice between new or used? With clear benefits and disadvantages to both. An obvious benefit to buying a new shiny car is it will come with a warranty usually for 3-5 years. But one big downside to new cars is the fact that they depreciate at a much quicker rate than used cars.

Used cars are generally cheaper to buy and are more affordable than new cars. But you need to watch out for used car scams by doing your research and getting a full vehicle check from websites like Cazana. This will usually give you an overall picture of how much the car is worth, if it has ever been written off, or has any outstanding finance on it etc.

 

The next thing you need to think about is your needs:

What do you need transport for?

Is it to drive your family around?

How much parking space do you have?

Will you be driving mostly in the city?

Is it for large road trips?

Will you need to fit a roof rack or do any towing?

Do you have any children?  

How many passengers will you need to accommodate?

When it comes to choosing the style of vehicle that will suit you best these are some of the questions you need to answer to help you narrow down your search.

And finally what’s your budget? Ultimately how much you can afford will influence the type of vehicle you can choose. When it comes to your budget don’t forget to factor in tax, insurance, fuel and any other unexpected costs that may pop up (such as maintenance). Then look into the different types of payment options available to you before choosing which road to go down (pun intended).

Finally, once you have decided on a list of cars suitable to your needs – take then for a test drive and see what feels the most comfortable to you.

When it comes to choosing which car to buy always do your research and don’t rush into a decision too quickly.

Mobile Phone Options For Bad Credit

Mobile phones have become part of our lives. We use them as cameras, alarms, televisions, computers, and much more. Nonetheless, it can be difficult to get one if you have bad credit.

When you are applying for a mobile phone arrangement, there are three possible results. Get an approval with no inquest, since you passed the credit check. Be asked to pay a deposit for the phone you want, which will be refunded after a specified period of time. And lastly, get declined because of bad credit history.

Every phone network keeps its own credit score procedure which, if you do not meet, you get declined. This is because accepting you puts them at risk of losing money. If your mobile phone contract has ever been declined because of bad credit, you still have options.

1.Look at sim only plans.

The thought of purchasing a cheap phone for the short term or keeping your old phones is unpalatable. However, using a cheap or older phone for 3 months helps you rebuild your credit score, and convince network providers that you are able to make steady monthly payments. This provides you with a strong future platform that will give you the ability to own the best and latest smartphones as soon as they are available in the market. This is the best option if you have been rejected and do not want any more rejections in future.

If you want to completely avoid credit checks, you can go for no credit check sim only options or a pre-paid phone plan. The firms that offer this service do not execute any credit checks because you pay for the service in advance. The deals in these firms work on a monthly basis and you have the advantage of revoking at any time without extra costs. They are cheaper than traditional plans.

You can also go for pay-as-you-go plans which let you add more talk time or data when you need them.

The disadvantage of this plan is that; you cannot purchase a phone and pay for it in instalments like you would do with a regular plan as there is no commitment.

  1. Family plan

Most network providers give family cell phone options. Some networks allow as much as 10 sim cards on a single plan. However, in order to authorise service under this plan, only the holder of the main account must pass a credit check. The same account holder is the one responsible for paying the monthly bill. If you do not pay your own bill, he has to pay it, so do not you’re your payments.

The advantage of joining a family plan is that it allows you to get around credit checks and save money.

  1. A co- signer

If you have a co-signer with good credit, you can get a mobile phone plan with bad credit. Nonetheless, the account would be under the cosigner’s name. This acts as security for the service provider so that just in case you default in your bill payment, your co-signer will have to pay it.

The co-signer can, in the future, change the account name to yours. Many service providers will run your credit score if you do change the name, but you will not have to pay a deposit since the account is already opened. Remember that service providers are different, each one could have a contrasting way of executing this.

  1. Security deposit.

You can still get a cell phone plan with bad credit if you pay a security deposit. Most service providers will repay your deposit after a given period of time if your bill is paid on time. The amount of deposit you pay depends on your credit score. The deposits are mostly per sim card. You will pay multiple deposits if you have more than one phone under the same account.

If you have bad credit, the best mobile phone option would be a sim only plan. In a case where the upfront payment is too high, join a family plan and work to build your credit score as you share costs in the family plan. In time, you will be able to get your own plan.

What Trends Are Coming Next for Male Grooming?

Trends come and go, but it seems like men grooming habits are here to stay. The beard trend is only one of the many indications that we are in a new age where there have been rapid changes on the men’s beauty scene. Male grooming is now a multi-billion-pound worldwide industry.

As the ‘’social stigma’’ surrounding men who pay too much attention to their looks is increasingly waning, it may not be out of place to say that self-expression is back and men can now feel comfortable in the way that they maintain their appearance. So what trends are coming next for male grooming?

Trends in Male Grooming

From hair care products to luxury face creams and moisturizers, there has been a rise in the variety of male maintenance products in recent times. This may have been likely influences by recent celebrity fashion trends. The focus on maintaining facial hair is one that cannot be ignored, especially as there has been a significant decline in men’s shaving products just as facial grooming and beard styling products have continued to increase.

Over the last decade, the hipster beard trend has been growing and although it is giving way for a more groomed appearance, facial hair seems to be more accepted and is seen as a trendy expression of masculinity and individuality.

This industry is expected to continue rising as new trends fuel the need for new products, and men are becoming more interested in sticking to a grooming routine. The desire to maintain a youthful appearance has dominated grooming habits, which means that facial moisturizers, anti-agers, night creams and so on have gained ground.

A lot of companies that have, before now, been driven by women’s products are now making the necessary adjustment and are diversifying in order to satisfy the needs of the male market. In order to help men achieve a grooming routine that is as simple as possible, a lot of these companies produce all-in-one multi-benefit products. Segmentation also characterizes some of these products which target particular skin conditions and concerns of the male market.

What to Expect

Since 2010, the UK has been one of the top 10 on the boom market list for men’s toiletries. The use of moisturizer is now seen as essential, and skincare and facial hair maintenance accounts for the key innovation trends in male grooming.

Face makeup and male cosmetics is an area that has potential in male grooming, as it seems to be the next step after skincare. Functional face makeup that does the basics like concealers and lip balms are already on the scene. However, colour focussed cosmetics may take a while to gain popularity due to social barriers.

There may also be a rise in beauty salon businesses to meet the extra demand. Expect to see ‘male only’ salons to tie in with the male specific products that are on the rise.