A First Time Buyers Checklist for getting on the property ladder

Deciding where to set down your roots for the first time is a big decision so you want to make sure you’ve looked at all the options. Whether you’re looking for a city apartment, rural family home or a simple cosy pad nearby to work and conveniently close to shops, making a decision about what will best fit your future is a big one indeed. Luckily as a first time buyer, there are plenty of options available to you so it’s always good to be clued up on all the avenues you can go down, (or live on). So whatever you’re looking for here are some top tips to save you some money and make the most of getting onto the property ladder for the first time.


Shared Ownership


If you haven’t heard of this one, shared ownership is a great hack for any first time buyer with their eye on a home they adore. Shared Ownership allows you to part buy, part rent your home and therefore pay a smaller deposit. As you only put down a deposit on the share you wish to buy, this can be between 25% and 75%, cutting those initial payments right down and eliminating the biggest hurdle for first time buyers. From shared ownership homes in Medway to apartments with shared ownership London, this scheme offers homes all over the UK. You can also buy more of your home overtime meaning you can climb the property ladder at your own pace. And with property portals like connectwithhome.co.uk offering a variety of homes to suit everyone, there’s no need to compromise under this scheme.


Help to Buy


This is another great scheme for first time buyers and is widely available across the country and on a range of homes. Help to Buy is a government scheme that ensures you only have to put down a 5% deposit on a property taking the sting out of the hardest bit about being a first time buyer. In addition to this, you will get a 20% equity loan from the government on your property that you pay absolutely no interest on for the first 5 years. This means you only have to obtain a mortgage for 75% of the property price rather than 90%. And if you live in London you could get a 40% equity loan meaning your mortgage will amount to just 55% of the total value of the home. This scheme can definitely give you a bit more time to settle into the payments and feel a bit more financially secure about your property purchase.


New Developments


One of the best places to look for both of these schemes are up and coming areas and new Developments. With Shared Ownership homes in Ebbsfleet offering a young professionals paradise and shared ownership properties in West London putting you at the heart of the buzzing metropolis, looking for areas that have had a lick of paint and a bit of a face lift could be your ticket onto the property ladder. There are plenty of areas offering first-time buyer schemes and with a little shopping around you can find the perfect one for you. Sites like Keaze.com are great tools to help you browse what’s on offer without the hassle and video tours included.


So whether you’re looking to move in the near future or a little later down the line, make sure to take advantage of the options out there for first time buyers and you could be bagging yourself some decent savings.

Common Freelancing Problems and Their Fixes

Freelancing is much more than getting paid to work remotely. The truth is, there are tons of perks when you freelance. You are your own boss and can set your schedule, and it doesn’t matter where in the world you are.

That said, a freelancer’s life can also be complicated. There are a lot of problems that you may encounter regularly, and it’s good to know how to deal with them.

If you’re just starting, you probably have a lot of questions. Here we will discuss some issues that freelancers face and how to overcome them.


Finding Clients

This is probably the most crucial aspect of freelancing. Finding clients that are interested in your services and can sign on the dotted line can be tricky. The trick is to figure out exactly what they need and then find ways to accomplish that.

Identifying the right client and convincing them that you’re the right one isn’t always easy. You can work on your networking skills and ability to put together persuasive emails and build a network of potential clients.


Time Management

Some people just don’t have the time to keep track of projects they’re working on and tasks assigned. If you are a freelancer, you know how hard it is to get things done from juggling projects, managing clients, and keeping an eye on expenses.

One way to improve your time management is by using some freelancing tools. These are tools you can use to help automate tasks and keep track of expenses and revenue. Technology has made it easier to create and meet deadlines for projects that feel far away. Be sure to use these tools to maximize productivity.


Proper insurance

If you offer services that can potentially cause financial loss to your clients, especially in the consultancy field, investing in professional indemnity insurance is a good idea. This will save you from financial loss should one of your clients sue you or your business over the work you have done for them.


Poor Client Communication

It doesn’t matter if you are a beginner freelancer or a seasoned pro. Having bad communication with clients can spell failure. This includes not returning calls or emails, giving incomplete or inaccurate information, not following up with clients, and not providing enough information.

Communication is key when using any form of communication for your business. Freelancing is no exception, and as you build up your reputation, you will need to improve your communication skills so that you can reach more people and get more work.



Freelancing is rewarding but also happens to be a great deal of work. It’s important to understand these so you can keep working hard to get more and better gigs. If you hope to avoid the common freelancing problems that many freelancers encounter, then you will want to follow the guidelines contained in this article.

Currencybrokers.Co.Uk Helps Differentiate Between UK Currency Brokers from Forex Brokers

With more than $5 trillion traded every day, the forex market is the largest financial market in the world. Although there are millions of forex traders, one of the biggest fears among these traders is losing their money, and it is also true that with so many forex investors, a few are truly successful. This is why most traders hesitate to enter the Forex industry. Well, if they keep away from the forex markets, they also face the risk of losing out on all those amazing opportunities to make some profits!

Before entering the forex market, it is vital to understand the fundamental technical and macroeconomic analysis which is necessary for trading forex. Currnecybrokers.co.uk is a newly launched website covering two distinct sides of currency trading –for business purposes and payments vs. speculative FX trading.

The simplest way to lower the risks and fears is to compare brokerages and build a relationship with the best currency broker to avoid some of these pitfalls. Thus, it is highly recommended to use currency brokers for trading. But who are these brokers, what do they do, and how are they different from FX brokers? Which are the best currency brokers? More importantly, are they safe to use, and can they help control the risk of the forex market? Read on to learn more.

Currency Broker Vs FX Broker

Before you join forex trading, you must know the difference between currency brokers and FX brokers and the services provided by these brokers.

Forex broker is like a dealer between the currencies the customer speculates or on the FX market to help customers buy and sell currency pairs. On the other hand, a currency broker converts money from one currency to another to provide international payment services.

Sometimes currency brokers are also called foreign exchange brokers or currency exchange brokers and even money transfer companies. One should not confuse currency brokers with Forex brokers regardless of the different financial jargon used. A forex broker simply provides a trading platform for customers to speculate on and will not exchange and move money for them. Customers use FX brokers for speculative trading.

There are thousands of currency brokers working in the markets, but only a few are established, regulated, and carry a good reputation. One must use only the best currency brokers when making international currency transfers.

Why use UK Currency brokers?

Globally, small and mid-sized businesses carry billions worth of international trade transactions every year. In recent years, there has been a significant shift among these companies to take advantage of currency brokers and exchange rates to streamline their financial processes and manage their finances outside of traditional banking platforms. 

 Currency brokers are useful for making regular conversions and international payments, and they offer far better exchange rates than banks. Moreover, their fees are normally integrated with the exchange rates. 

 Traders prefer to use the best currency broker as he can help increase the profits for them by effective management of foreign exchange exposure through hedging options, forwards, and futures. Many even provide rate forecasts and advisory services for their clients.

 Currency brokers in the UK are much in demand because of the following reasons:

  • They are less expensive than banks – Banks are much more expensive due to due hidden charges within exchange rate spreads.
  • They offer consistent pricing – Transparency of charges and consistent pricing is what make the currency brokers more attractive.
  • They provide payment processing– UK currency brokers can instruct and handle payment processing faster.
  • They handle multiple currencies – Take advantage of multi-currency accounts local payment methods.
  • They help manage currency risk- Avoid the risk of currency fluctuations with a well-developed strategy from the currency broker.
  • They create a better user experience- Stay well informed about your transactions with real-time notifications.
  • They deliver hands-on help – Get complete guidance on exchange rates and personal assistance on how to carry out the transfers effectively from a specialist.

Is It Recommended to Trade FX For Profit?

It is highly recommended to trade FX, but you need to be patient and disciplined for the forex profitably. It takes time to develop the proper trading mindset along with a winning strategy. As you gradually learn the trading disciplines and money management rules to trade the forex market and exchange currencies, you can plan suitably and keep away from taking excessive risks for the potential benefits under the expert guidance of the best currency broker.

Just like any other business or market, there are some risks associated with FX trading. There are some factors one needs to consider when trading forex and the risks involved.

Here are some of the reasons that make FX risky and why you might lose your money.

  • Uncertainty in the markets- Market uncertainty nods to the significant risk in forex and can cause instability. You can lose money if the markets go against you.
  • Scarcity risk and usual liquidity- As the forex market is an increasingly liquid market full of buyers and sellers, the limited capital time is a significant issue as it can increase the trading costs.
  • Leverage raises risk factors – Leverage adds to all risk factors as one can assume too many price risks for any massive losses without a stop-loss. The balloon currency risk depends upon the spread pulsed by the liquidity squeeze.

Forex trading has high leverage, and as a forex trader and currency investor, the risks are harder to speculate and act on. Even if not everyone is made suitable for forex and currency trading, they can profit greatly, once they grasp the basics of forex trading. It is highly recemented to use a reliable currency broker for effective execution of a trade.

All one needs to do is develop high levels of discipline and come up with an effective trading strategy. It is essential to stay updated with the major occurrences in the forex news and how it can impact the market.

Take account of trade resources, leverage, and compare brokerages to locate the most popular currency brokers in the market before jumping the train. Depending on the broker and the trading size, plus your own skills and attitude, there are both immense opportunities and great risks. There are bigger opportunities to make some neat profits as well as the risk of making large losses. It all depends on the choices you make.


Best Credit Cards Offer Excellent Rewards Programs

The best credit cards have all of the features that would make them worth having. It’s all about ease of use, and rewards and perks. Best for? High credit limit, high interest rate, and cash back bonuses. Best for:


The top reward programs on the best credit cards available now are the following:


One: Lowest annual percentage rate. If you carry a balance, this is the best credit cards for you. They offer low APRs, which means you save money every month because the interest rates are lower. Plus, you get cash back, air miles, and gift cards for the stores you shop in. For some, this is all they need.


Two: No annual fees. Some banks offer zero percent APR on purchases for the life of your account. These are the best credit cards for people who rarely use their cards. If you’ve paid bills on time and always had a steady payment history, you may be able to get an excellent credit rate with no annual fees attached. Even if you do pay off your balance, you’ll still save with no ongoing fees.


Three: No late fees. Annual fees add up, especially if you’re not going over about your spending. If you’re paying extra, you deserve better treatment. The best credit cards for you are those that have no ongoing fees when you don’t pay off your balance. You also want to avoid any credit card offers that charge fees each month for balance transfers.


These are the four components, you should look for to determine which credit card offers are the best credit cards. Your spending habits and credit history will be used to determine whether you’re offered a card with a low interest rate or one with a high interest rate. With any credit card, there’s an option for you to build up your credit score. If you maintain a good payment history and don’t incur too much debt, you should be offered the best credit cards. If your income isn’t as stellar, you’ll want to look for rewards cards that provide an excellent incentive. Finally, don’t forget to look into special offers from your bank.


There are a few credit cards out there that actually reward consumers for their spending. Some of these cards provide cash rebates on every dollar spent while others provide award certificates for expenditures. Either way, you have excellent credit cards to use for all of your spending needs. You can easily earn points that can be used for gifts or to purchase airline tickets. Additionally, you can take advantage of promotional offers and rebates.


All of these incentives and rebates can add up to a great deal. After all, annual fees add up and a reward program that provides a cash rebate on all purchases is bound to save you a lot of money. There are a few cards out there that will allow you to combine your gas rewards program and airline miles rewards program. You can basically get double the value out of your gas purchases and airline miles if you have an excellent credit card with an incredible rewards program.


Finally, you can also take advantage of special credit card deals that will provide you with either free air travel or a free night’s hotel stay when you redeem your points. There are a number of different bonuses out there to choose from. It is simply a matter of finding the right one for you and your personal spending habits. By utilizing these tips, you can quickly find yourself with an amazing assortment of high interest rate credit cards that offer no annual fee and excellent bonus rewards programs. With a little bit of research, you can easily locate excellent credit card deals that will save you hundreds of dollars in interest payments each year.

Finance Budgets For Home – Putting Together a Budget You Can Stick To!

Homeowners often face two very common financial challenges when planning to finance their homes: they wish they had a bigger budget, and they wish they had more financing options. Both are legitimate concerns. In this economy, families should take advantage of every dollar they have, rather than squander it on impulse buys or credit cards that will only put them into more debt. Many financial experts say a balanced home budget is essential for long term success. And while there is no magic pill to balance your budget and help you overcome these two challenges, there are ways to reduce the impact on your finances, such as a better spending plan and smart money decisions.


A lot of people are surprised to learn that a majority of homeowners actually spend more on items and services that are not used regularly at home than they do at home. While some families find ways to cut expenses, the majority of the time, they make the wrong choices, end up overspending, and can wind up deep in debt. This is why household budgeting is so important. It gives you a clear path toward saving money and spending wisely.


Most people realize the importance of creating a home budget, but they don’t always know how to implement it. If they have bad habits, such as overspending or procrastinating, they may never realize their full potential. On the other hand, many families are quietly saving for years, never realizing that they could easily have been out of the housing market, if they made just a few simple changes. One good way to stay on top of your financial situation is to make your family’s financial budget a part of your daily activities, and keep track of what you’re spending money on each month.


Another way to stay on top of your finances is to take advantage of the current economic conditions and look for all the different types of loan options available. By opening a line of credit, or using one of the loans available for home improvement, you can start to build up some extra cash. You can also look into getting a refinance on your existing home if you think that you will need to make modifications in the future. As more people continue to face tough times financially, the more affordable home loans available will become even easier to come by.


In order to get the most bang for your buck when doing your home improvement or remodeling, you should spend some time researching all the different kinds of options. There are loans available for everything from buying new appliances to making improvements around the house. Look at what’s being offered in different places, as well as at your own neighborhood bank. When you do select a loan, remember to read all the fine print carefully so that you can make the best financial decisions for your home. By getting a good plan in place early, you can save yourself time later on as you work out the details of your home improvement or remodeling projects.


Finally, you should always remember that finance Budgets for home don’t have to be difficult to put together. If you start out with a tight budget, you can always go back later and increase or reduce the amount of money that you would like to borrow. Take the time to figure out what you really want to have in your home and then research the different things that will have to go along with that. After you have come up with a budget, you can then start shopping for things to put into your home that will help make your dream a reality. When you stick to your budget, your finances will eventually reflect your taste for luxury, as well as your determination to make your home a haven you will always call home.

Try your luck in Crypto Casino

Crypto Casino offers the following games:

– Dice (with instant rollback if you don’t like the result)

–  Roulette (with instant deposit to get your bets back if you lose)

– Wheel of Fortune (instant deposit too!) Your bets are returned if you don’t hit the winning number.

– Black Jack

– Coin Flapper (flip a coin and win)

The casino is probably fair. You can see everything that goes on in the game, including all bets, rolls and payouts.

The main advantages of Crypto Casino

Crypto Casino offers lots of interesting features that will make your experience with the casino as enjoyable as possible.

What’s included: 

– Instant bets (instant rollback, immediate betting and instant deposits). This means that if you don’t like the result of a dice roll or a game of roulette, you can instantly cancel it and get your bet back. 

– You can send your bitcoins and other coins to anyone you like by simply copying them in a text field. This makes it very easy to invite someone to play with or gamble with, for example. 

– You can pledge an amount of money you are willing to lose before playing your favorite game. If you win enough that the counter exceeds the amount you pledged, you get your coins automatically sent back to yourself. 

– Earn interest on your account by depositing some BTC! You can invest bitcoins or any other coin in your wallet and earn interest on it daily which is added to the balance of your account.

Crypto Casino offers a great experience regardless if you are using Windows, Mac, Linux or Android. For more information you can use https://bitcoincasinoid.com website.

Since you can play the games directly in your browser without having to install anything on your computer, it is possible to gamble at Crypto Casino while working from home! This means that you can gamble while doing other stuff.