http://www.financealley.com en-us editorial@financealley.com It is an unfortunate fact that energy prices have seen a huge increase in recent times. As such, this has had a detrimental effect on consumers in that they have seen their monthly bills rise significantly. However, from adapting some energy-saving change... http://www.financealley.com/article_735323_19.html 05th January 2009 Saving time and money are two factors most businesses strive to achieve on an ongoing basis, but doing so requires involvement from all departments, from production and operations to business administration. One easy way of saving both time and money... http://www.financealley.com/article_734404_15.html 05th January 2009 With profit being a business’ ultimate goal, it is vital to ensure all working practices are as time and cost-efficient as possible. Indeed, the success of a business very much depends on how well it operates, both internally and externally. Therefore, ... http://www.financealley.com/article_727248_15.html 19th December 2008 How much time do you spend thinking about your future? Do you dream about getting your ideal job? Do you wonder what it would be like to have kids of your own? What about retiring and living a more leisurely life than you do now? In fact, you may think... http://www.financealley.com/article_727127_19.html 19th December 2008 With increasingly tough economic times ahead, a number of small businesses are looking to tighten their belts so they can ride the financial storm. Indeed, many enterprise owners are searching for ways to cut their costs without compromising the business�... http://www.financealley.com/article_710495_15.html 03rd December 2008 Running a business is expensive. From overheads like employee wages and equipment costs to renting premises, there’s a lot of money involved in the everyday flow of things. And, as every business knows, the more you can reduce your outgoings, the better... http://www.financealley.com/article_707531_15.html 02nd December 2008 Households across the globe all fall foul to the same age-old problem of too much clutter. Those items we buy and think we’ll use but inevitably they end up at the back of a cupboard, unused and sometimes never even taken out of their original packagin... http://www.financealley.com/article_706737_63.html 02nd December 2008 The business world is cut-throat, fast paced and competitive. Constantly evolving, your company has to be able to respond quickly to market changes, if it wants to survive. Indeed, in what has become a global arena, there is no room for mistakes to be mad... http://www.financealley.com/article_700578_15.html 01st December 2008 So how do you make use of your bank account? Do you still queue up with half the neighbourhood every time you want to transfer some money between accounts or pay a bill? Or do you relax at home and opt to do everything online instead? There are clear... http://www.financealley.com/article_699619_19.html 01st December 2008 Ensuring everything is where it should be when it comes to your company’s resources takes even more planning in today’s global, price-sensitive marketplace. Whether using nuts and bolts-type construction or mixing ingredients to produce blends in the ... http://www.financealley.com/article_698715_15.html 30th November 2008 Of course, there are pros and cons to both buying and renting property. For those who have a regular, steady income and are settled in their work and personal life, stepping onto the property ladder may seem like the most sensible move to make. However, f... http://www.financealley.com/article_696530_33.html 27th November 2008 As a business owner, it is imperative you do everything you can to protect your assets. From employees and merchandise to the physical premises themselves, it is your responsibility to ensure everything is on top form and adequately protected. Indeed,... http://www.financealley.com/article_694398_15.html 26th November 2008 Colder weather can wreak havoc on even the sturdiest of properties and whether it’s your own home or rental properties you own, you’ll want to make sure they are safeguarded against the perils of winter. Therefore, protect your own pocket at the same... http://www.financealley.com/article_694253_33.html 26th November 2008 If some predictions are to be believed, notes and coins could be a thing of the past by no later than 2012, as debit and credit cards become more and more ubiquitous in 21st century consumer culture. But even if such predictions are a little premature, th... http://www.financealley.com/article_686210_63.html 12th November 2008 It’s easy to whip out a credit or store card to pay for something, but knowing what you will be paying in interest is vital if you do it all the time. Here are some tips to make sure you stay on top of things. One of the best ways to manage a larger... http://www.financealley.com/article_684308_19.html 10th November 2008 Despite the prevailing economic conditions in the UK there are still various credit card deals that are currently on offer. However, if you are in the market for a new card, perhaps look at the entire offering before signing on the dotted line. That is be... http://www.financealley.com/article_683012_19.html 05th November 2008 The global credit crisis of recent times is making many people take stock and focus a little more on the things they really value. Needless spending is being curbed and people are more aware than ever of their personal finances and what the implications t... http://www.financealley.com/article_679328_66.html 31st October 2008 Have you felt the pressure caused by the credit crunch yet? Depending on how high your mortgage payments are, you might well start to before long. Some people are already finding that the mortgage they took out when everything looked rosy is starting to... http://www.financealley.com/article_678366_19.html 30th October 2008 It is a time of year that everyone looks forward to, which is heading off on holidays; whether it’s a welcome chance to relax, to explore somewhere new or to return to a favourite destination. There’s more choice about where to go than ever and since ... http://www.financealley.com/article_674567_19.html 27th October 2008 Opening a current account is usually a straightforward process, but if you are considering opening one there are a few things that can make the application process run smoother. First of all, consider what you really want to use the account for. It mig... http://www.financealley.com/article_673495_19.html 23rd October 2008 Having a current account to help keep your money safe and pay bills is something most of us just take for granted. How easy it would it be to cope financially if these accounts were no longer available from banks and credit cards just simply didn’t exis... http://www.financealley.com/article_669046_63.html 20th October 2008 Everyone has different opinions of what is considered valuable. For some people, valuable can be the latest HDTV, digital camera, games console or even plush furnishings such as recliner chairs and deep-pile carpets. For others, valuable can be the anti... http://www.financealley.com/article_667931_66.html 17th October 2008 Frequent travellers have long benefitted from mileage loyalty benefits offered by airlines and from points and other reward schemes offered by credit card companies. Now they can also cash in if they take advantage of the offers available from operating ... http://www.financealley.com/article_638960_63.html 15th September 2008 Setting some money aside for savings may be a lot easier than many people think. Topping up a savings account seems easy if you have cash to spare each month but don’t despair if you can’t see where extra cash can be freed up as there are savings-sav... http://www.financealley.com/article_633753_63.html 09th September 2008 Perform a cursory check on the internet and you’ll find a proliferation of gadget websites that aim to marry excited ‘girls and boys’ to all the ‘latest toys’. All the latest ‘must-have’ items are proudly displayed online where people ‘vir... http://www.financealley.com/article_633047_19.html 09th September 2008 Turn on any TV or open any newspaper, and before long you'll be faced with an advertisement for a personal loan. With so many loan products and providers on the market, each catering to a different demographic, it's important to consider several factors ... http://www.financealley.com/article_632726_19.html 09th September 2008 Whenever new technology makes a universal impact the business world soon finds a way of harnessing it to suit its own and also its customers’ ends. That axiom is particularly true in banking which as an industry tends to be a keen ‘early adopter’ wh... http://www.financealley.com/article_631474_19.html 09th September 2008 In the wake of taxpayers discovering that their money may be at risk following the government’s £24bn rescue of Northern Rock, people up and down the country were shocked and worried to learn about the apparent loss of sensitive data on over 25 million... http://www.financealley.com/article_630291_19.html 09th September 2008 Most people in the UK are familiar with the word mortgage; but how many know exactly what the word means and how mortgages work? The word mortgage is derived from the French language and literally means “dead pledge”. It was based on the fact that... http://www.financealley.com/article_629443_19.html 09th September 2008 Considering that they’ve been around for a fairly long time, it seems rather odd to describe credit and debit cards as being a national craze, but there really is no other way to describe Britain’s obsession with plastic! Since the concept of the c... http://www.financealley.com/article_627723_19.html 08th September 2008 The great housing boom of the nineties and onwards was a time of endless building and big dreams, but these things cannot last and the inevitable downturn has occurred with house prices and value falling at record rates. We all knew this day would come... http://www.financealley.com/article_614702_33.html 02nd September 2008 To buy or not to buy a place to call home is the question on many people's minds when they reach a certain point in life. If you have a good job, you're settled in one place and can see yourself staying there for the foreseeable future, so would it be mor... http://www.financealley.com/article_614655_33.html 02nd September 2008 Buying property is always a big step – no matter if you’re moving in with a loved one, going it alone or purchasing a multi-bedroom place to share with friends – and it always requires a lot of work. However, as with most things in life, if you plan... http://www.financealley.com/article_613138_33.html 01st September 2008 Business ideas come in all shapes and sizes, but it’s what you do with them that matters. If you don’t construct a solid business plan you will be laying yourself wide open to all manner of events that could upset your ambitions and goals for the fut... http://www.financealley.com/article_591962_15.html 29th July 2008 Day-to-day we all face scenarios that, through the potential negligence of others, could lead to personal injury. Walking outside on the way work or to the shops could lead to a trip and injury, which could have been prevented by proper maintenance by th... http://www.financealley.com/article_591787_18.html 29th July 2008 Arguably the most common form of injury following a car accident is whiplash. Even a relatively low speed car collision can cause it and, whilst the symptoms can take several hours to appear, the consequences can be devastating. Whiplash occurs when a... http://www.financealley.com/article_589324_18.html 24th July 2008 When it comes to the future, we have all got our own ideas about how we will spend it. Perhaps we will end up buying a bigger house than the one we have now. There might be a particular car that we can see ourselves driving around in. And just think ab... http://www.financealley.com/article_588292_19.html 24th July 2008 Purchasing a property is, for the majority of people, the biggest single financial obligation of their lives, so it pays to research the market heavily as the scale of the commitment means getting the wrong mortgage is something you simply cannot afford t... http://www.financealley.com/article_588213_19.html 24th July 2008 Life insurance is arguably one of the most important insurance policies as it offers protection for family and loved ones. As with all types of insurance, there are lots of different policies on the market so ensure complete peace of mind for yourself an... http://www.financealley.com/article_582366_19.html 21st July 2008 If you feel muddled by the different mortgage options on the market don’t despair as help is available. The best place to start is by looking at mortgage application criteria before singling out a mortgage to suit your circumstances and securing the bes... http://www.financealley.com/article_581469_63.html 20th July 2008 The old adage ‘time is money’ was more or less invented for the working world. After all, there can be little argument that time spent unproductively is, more often than not, to the detriment of the company. Hence, working life in the 21st century... http://www.financealley.com/article_553439_15.html 09th June 2008 People get into debt for all kinds of reasons, and the ultimate result of it can be a poor credit record. Unfortunately it’s all too easy to get into debt – and not so easy to get out of it. But if you already have a poor credit rating there are p... http://www.financealley.com/article_522797_19.html 25th April 2008 Even if you already own a block of flats, you may not necessarily have considered the most appropriate form of insurance to protect your interests and those of other interested parties, such as the leaseholders and their mortgage lenders. If you are ... http://www.financealley.com/article_520408_33.html 18th April 2008 With the continued rise in house prices and interest rates, it's little wonder that first-time buyers have been finding it difficult to make those first, tentative steps onto the property ladder - especially when you consider that in the current UK proper... http://www.financealley.com/article_518282_19.html 16th April 2008 There are many people in the UK who have already experienced, or are currently experiencing credit card debt. Credit cards have historically been relatively easy to obtain, but in recent times lenders have become more cautious about their lending policy ... http://www.financealley.com/article_515634_19.html 11th April 2008 Brits are becoming increasingly concerned about the state of the economy amid talk of recession and a credit crunch, it has been revealed. While this is not exactly surprising, the extent of their concern, however, is. A survey by Abbey shows that half a... http://www.financealley.com/article_514601_19.html 10th April 2008 Top quality display graphics are hard to miss, even in the busiest exhibition hall, but designing bold, exciting, eye-catching graphics is an art. To develop something that creates an impact both close-up and from the opposite side of the room can be chal... http://www.financealley.com/article_514530_64.html 10th April 2008 Giving away freebies is a great way to publicise your small business, but before you place an order the challenge is to find items that are likely to give maximum impact and really promote your company. Any such items will undoubtedly be more effective if... http://www.financealley.com/article_507623_64.html 03rd April 2008 It comes as no surprise to many that the UK has more CCTV cameras per person than anywhere else in the world; leading human rights lawyers to warn that their almost constant use in our everyday lives raises data protection and wider privacy concerns, sinc... http://www.financealley.com/article_493628_18.html 25th March 2008 Recently, the UK suffered its biggest earthquake for nearly 25 years. It was centred in Lincolnshire, and had a magnitude measuring 5.2 on the Richter scale, causing varying levels of damage across the country. But it wasn't just property that was affecte... http://www.financealley.com/article_492309_19.html 19th March 2008