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Most of you will or should already know that last December it was announced that this year will see the end of car tax discs in the UK.
This little piece of paper has been used since 1921 but is now to be extinct as all car tax records will be done digitally on databases.
It means that there are going to be substantial savings on the admin costs regarding car tax, around ?7 million apparently.
Well, one of the main reasons for the change was due to the fact that the amount of visual checks performed by both the police and DVLA have dropped dramatically in the past five years. This has led to there really being no point in having a visual disc on cars anymore and the potential for some big savings to be made.
Car tax should be easier to get for road users and be a little bit cheaper too, so although we may miss some of those previous rituals to a certain extent, this change should be one that is heralded by all.
Any business owner will tell you that keeping a good record of their inventory is critical to their success.
With just a few clicks of your mouse, you can download the sheet, print it off and begin compiling a comprehensive inventory list that will give you a better grasp of what’s going on with your operation. The printable inventory count sheets are incredibly easy to use, and because it’s an Excel template, it can be customized to fit your business needs. Categories can be added to and removed from the free printable inventory count sheets based on the needs of your business. This complimentary printable inventory list is just part of our expansive collection that is designed to help business owners and regular folks make their lives a little easier. When you buy a car, you are not only going to buy a car, but you also would have to pay the tax and insurance amount and need to fill the tank with petrol or diesel as well. Insurance could take a big amount out of the driving budget; young drivers have to pay a lot more than the normal because statistics shows that they claim more than the experienced drivers. Insurers divide the cars into 50 groups according to a lot of factors includes size of the engine and cost of repair. Also you should consider few more things as well, that car with fancy and latest accessories would result into to very high premium. If you normally drive the car on the local roads at the weekend, then it means statistically you would involve in an accident less compared to the one who travels on highway at very busy roads and normally go outside every day.
Whenever you go to your insurer always talk about your habits of driving because a low mileage could lead to low premium of your insurance. People who drive very less or avoid driving the car in the rush hours can cut the amount of their premium with the new type of insurance knows as “pay as we go car and travel insurance”. National debt relief is a good option when your car is old and you are not able to get any good insurance on it. If getting out of credit card debt is something you want to accomplish, then there are some basics you need to follow.
If you are considering on purchasing a home or applying for any other types of loans, you will need a good credit report. Your credit report includes basic personal information such as name, current and previous addresses, telephone number,  social security, date of birth, and current and previous employers. Lenders typically use the information in your credit report to evaluate your personal character, your total debt capacity and your collateral or capital.
No wonders, there are too many companies and sites out there but still it is not an easy task to understand all that difficult procedure.
This is a nice summary of the importance of keeping an eye on your credit score and report. My credit report includes basic personal information such as name, current and previous addresses, telephone number, social security, date of birth, and current and previous employers.


This will officially happen on the 1st of October, signalling the end of little rituals such as removing the circular tax disc from its square perforated paper and then trying to not only fit it into the disc holder, but attempt to get that disc holder to stay on the windscreen.
Visual checks on tax discs are very rarely done these days, in fact dropping by 75% in the last three years. Some of this will even be passed down to motorists, with the previous additional 10% being added to the amount for drivers that opt to pay every six months being dropped by 5%.
Motorists will now be able to pay by direct debit, meaning no lengthy waits at the post office and the ability to pay small amounts each month rather than larger sums every 6 or 12 months. This is simply because databases easily flag up those that have not paid road tax and the police can easily check through the use of number plate recognition cameras. Less hassle to purchase, less strain on the wallet and no more messing around with perforated paper. Tracking your inventory will ensure that you are never low on the products or goods that move the most in your business. While the sheet is printable and designed for the necessary information to be handwritten, the info can also be input via keyboard and later printed off.
If your insurance company is reputed and large, then your premium amount would also be high. There are a lot of tools which provide comparison between different insurance companies and help you to calculate the premium on the basis of how many miles you will drive the car each year.
In this type of insurance, the insurance company fits a tracking device to the car to see and monitor your driving habits. The NCD could be valuable, it could cut your premium more than 50% after the 5 consecutive year of NCD, and means claim free years. You also may be tossing and turning at night thinking about how to get out of your current debt situation. You need to know what is on your credit report and understand why it is there, develop a plan to pay down that debt, and change your way of spending so that you can avoid repeating your mistake. It is always good to know what is on your credit report before your lender looks into it, this way you will have the opportunity to clean up any mess or errors you may have on your record.
The credit history portion includes information about each credit account, including things like when the account was opened, the credit limit, current balance, monthly payment, and your payment pattern during the past several years.
Most financial advisers would recommend that you obtain a copy of the free credit report that you are entitled to once a year and review it carefully. Their study of your character is also based on the stability of your employment and residency history.
All three major credit bureaus offer this option with your credit report or as a separate option. You have explained well about the importance of credit report and how we can benefit with it if we have credit report! The credit history portion includes information about each credit account, including things like when the account was opened, the credit limit, current balance, monthly payment, and your payment pattern during the past several years.this report will be useful for me.
The credit history portion includes information about each credit account, including things like when the account was opened, the credit limit, current balance etc.I will keep the updates regularly so that I can keep my financial status in a balanced level. There is plenty of room to add the date the inventory was conducted, any notes made by those conducting the inventory, and space to add your business logo if you so desire. But make sure you will always provide the correct figures otherwise it could invalidate your insurance policy.
This type of insurance could be mostly useful and beneficial for young drivers who often could not afford the premium of standard insurance. If you have suffered any kind of small accidents, then you should repair& pay the repair amount by yourself instead of claiming the repairs, because it could be more beneficial and you can claim the NCD in your insurance for the next year.


A credit report is your personal record of your credit payment history as reported to credit bureaus by bank, credit card companies, department stores, and other types of businesses you’ve borrowed from. You may also want to consider canceling any credit cards you are not using because lenders will include your credit limit as potential debt. If you have been rejected or turned down for credit, housing or employment due to your credit report, you may be entitled to a free copy of your credit report as well.
They will check to see how often you have changed jobs, how often you moved and the length of time you stayed at each address. If you find that your credit score is not so great, do your best to improve your credit score by concentrating on paying your bills on time, paying down your credit balances, and avoiding new debt. There are a lot of groups and companies which provide the car insurance and we can find the details on various online sites or through calling their customer care. This is where potential lenders get information that will determine the decision on whether or not they want to take a risk issuing you credit.
If you have credit cards with no balance but with credit limit totaling $10,000, for example, the lender will consider it as an additional $10,000 of potential debt and may reduce the amount of the loan they are willing to give you. Your credit report pretty  much reports everything that lenders may be interested in knowing. There are three main credit bureaus that are available to you: Equifax, Experian, and TransUnion. These kind of information gives the lenders a feel for your personal stability and an overall general assessment of your character.
Improving your credit score is not an over night task, and may take a long time, but is well worth the effort. It’s very important to understand how credit reports work because you can protect your rights and avoid being taken advantage of by credit repair clinic and the so-called credit doctors. Some information that your credit report does not contain is information about your race, origin, religion, personal lifestyle, political affiliation, medical history, or other information unrelated to your credit history and ability to repay credit debt.
To evaluate your debt capacity, they will look into your living expenses, open credit account limits, current debts, and other payments to get a feel of how much debt you can afford with your current spending habits and your income.
Since the information in your credit report may differ somewhat from one bureau to another, it is wise that you obtain a copy of your report from each of the three major bureaus once a year. Another huge factor that goes into the lenders decision on lending credit is your credit score.
If you cannot afford all three credit bureaus, then consider ordering your report from Equifax since it is the largest reporting bureau. Your credit score is a number or rating which indicates how likely you are to make payments on time and repay loans, based on information in your credit history. Upon receiving your credit report, if you find an error in the report you can call or write to the credit bureau explaining the error in detail in 100 words or less.
This score is computer generated and factors in your current income, education, job stability, how often you have changed addresses, whether you are a home owner, debt to income ratio, and past payment history. You want to provide any documents that may help prove your statements.  Your payment history will stick around for a long time. Chapter 7 bankruptcies will stay on your credit report for ten years from the filing date and Chapter 13 bankruptcies will remain on the report for seven years from the date fully paid or ten years if not paid as agreed.



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16.01.2016 admin



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