The benefits of time deposit investment savings

There are now a number of ways you can effectively save money for either the long or short term. One way is through a time deposit investment. This is a fixed term savings account where as long as you leave the funds in place for the specified time, an enhanced interest rate is attached to the product. There are penalties for early withdrawal or not giving notice to withdraw during the term but there are a number of benefits to choosing this route. (more…)

The Savvy guide to buying diamonds

Every diamond bought will always be a considered purchase whatever the intended use but there are ways to buy the best gemstone you can for the budget you have. Whether it’s for an engagement ring or to keep as a future investment, buy wise and you’ll have an item of beauty you can look at and admire and know that you didn’t overpay. (more…)

A guide to ISAs

Since ISAs were introduced in 1999, millions of people in the UK have taken advantage of the tax-free savings opportunities they offer. Interest rates differ according to the provider and there are two kinds of ISA; cash and investment. The latter is also known as a stocks and shares ISA and is becoming increasingly popular with those who are looking for potentially higher returns. (more…)

Copyright, trademark and patent: The differences

Copyright

When it comes to the protection of intellectual property, the terms copyright, trademark and patent are used; often they are confused with one another and it can lead to issues at a later date if a product or brand is copied.

It’s crucial to use an expert such as London IP if a business has any intellectual property queries as they must be resolved before any problems lead to legal headaches so here is an explanation of each term and where they would be relevant. (more…)

Financial considerations to make when starting your own business

Making the decision to start your own company and become self-employed is incredibly exciting. It’s the opportunity of a lifetime to launch your own unique business and know that you’ll be credited with the success after all the hard work you put in.

Planning the launch though is an area which takes a great amount of organisation. You need to consider where you will work, your marketing and PR and consider where the initial finances will need to be utilised as a priority.

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Will freezing my hard drive help with data recovery?

Often we are told that freezing a hard drive after data loss may help recover the files. This is an urban myth which is discussed at length in data recovery forums. Many users claim to have recovered all their data after freezing their hard drive. There are reasons why this may help in certain circumstances, but there are also reasons why this can be very dangerous. (more…)

Planning a prom on a budget

It’s possible to look a million dollars with the tightest of purse strings

Your prom is an event to be excited about for  many months in advance; the opportunity to dress up to the nines, travel in luxury, attend a top venue and best of all spend it with your best friends.

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Why your old boiler could be costing you big

With winter just around the corner, you might be starting to think about ways to stay warm at home while keeping your heating bills to a minimum. One area of your property you may need to turn your attention to is your boiler. If you’ve got an ageing, inefficient heating system, it could be adding hundreds of pounds onto your household bills every year. Let’s take a look at why your old boiler could be costing you big. (more…)

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