How To Spend

Wise Money Management and Spending Tips

Month: January 2018

The Benefits of Using a Vehicle Wrap to Advertise Your Business

The secret to effective advertising is not only to make a
great first impression, but to make a lasting first impression. Vehicle wraps
are a type of consistent fleet
and they work as a very memorable way to spread a business’s

Attention grabbing

Bold and bright vehicle wraps will make a fleet of company
vehicles stand out from every other vehicle on the road. Passing drivers will
not pay much attention to a plain white van on the road, but they will
certainly notice a well-designed vehicle wrap. Bright and bold wraps are
engaging and attractive, making peoples’ eyes naturally gravitate towards them.

Wider audience

Depending on whether it’s one vehicle or a fleet of
vehicles, and how far the distance travelled will be, businesses could
potentially reach tens of thousands of viewers per month. You can reach a
larger audience with a vehicle wrap than almost any other form of advertising;
many businesses gain more customers from their vehicle wraps than their


Unlike radio or TV ads for example, vehicle wraps attract
attention without disturbance. Potential customers are able to easily spot the
message businesses are saying, without significant distraction from what
they’re doing; customers respond better to an advert that doesn’t have an
‘in-your-face’ approach. Many people enjoy the striking effect of a vehicle
wrap, without feeling negative towards the advertising.

Go mobile

As a business, you can non-intrusively reach out to
customers over all the roads that branded vehicles will travel on. The lead
possibilities from mobile exposure are endless.

Cost effective

Unlike adverts and side-of-the
road billboards
that have consistent reoccurring costs for as long
as you advertise, you can change a vehicle wrap as often or as little as you
like, for less money. You can make an initial investment for a fraction of the
cost of other long-term advertising campaigns and still generate results for
years to come.

Local advertising

Vehicle wrapping is an effective form of targeted advertising
because naturally businesses will be advertising to the local market whilst
driving around. The people most likely to see the vehicle wrap are the
individual that live or work in the area.


Last but not least, vehicle wraps offer a form of protection
for vehicles against scratches and small dents from road debris. When you
change a vehicle wrap, specialists will remove the vinyl wrap safely without
damaging the vehicle’s original paint.

New Market for First Time Buyers?

Lenders Battling to Offer
the Most Competitive Deals

The increase in base rate
has stifled any growth in the market. But it could spell good news for one
segment of first time buyers.

2018 looks set to be another tough year in the mortgage
market. Signs of economic growth last year stuttered when the Bank of England
increased the Base Rate. It might have been only a quarter of a percent, but
the message that it would not be the first increase was enough to provoke a
sense of caution among both buyers and those considering selling their homes.

The net result? The overall housing market has slowed again,
and mortgage brokers in
have seen
a drop of around five percent in the overall number of mortgages approved
compared with the same time last year. As a result, they have also seen lenders
falling over one another to offer the best deal. This, however, is tempered by
a lack of owners taking the plunge and placing properties up for sale.

Good news for one sector

The one sector that looks to be coming out a winner is those
first time buyers who are looking to purchase a new build. With no chain in
either direction, the purchase process is at its simplest, and lenders are in fierce
competition with one another to offer them the best mortgage deal.

Look beyond the rate

Despite the slight increase in base rate, some lenders are
offering five-year fixed deals with rates as low as two percent for anyone who
can come up with a 15 percent deposit. Two year fixed rates are available at
1.9 percent with only a ten percent deposit needed.

Yet in the
super-competitive market, it is important to look deeper and not simply choose
the lowest interest rate. Factors such as cashback on completion, arrangement
fees and free valuations can mean that a 2.1 percent mortgage actually works
out cheaper than a 2.0 percent deal in the long run. Weigh up the options and
speak to a professional to be certain you are getting the best deal.

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