How To Spend

Wise Money Management and Spending Tips

Month: January 2019

Give Yourself The Smile You Deserve

73% Of Brits Love The Way They Smile – Do You?

Ask yourself this question: are you happy with your smile, and if not – what are you willing to do about it?

The Oral Health Foundation has uncovered key research linking oral health and how positive a person feels about the quality of their smile. The 2018 study surveyed 1,300 Brits to determine how happy they were with their smile and whether their teeth were a factor in this evaluation. The results were clear – 73% of respondents were either highly or exceptionally positive about their smile, with people in this category believing that their approach to oral health was the determining reason behind their smile confidence. Conversely, those people who chose to smile much less also considered themselves to have dental problems that needed addressing. If you belong in this minority category, then it’s time to take action and make 2019 the year that you give yourself the smile you deserve.

Evaluating Your Smile

Start by looking in the mirror or speaking to a close friend or family member who you trust and come up with a list of things you’re not happy about in terms of your smile. Are you worried about bearing that tooth you chipped playing rugby all those years ago? Or perhaps you’ve recently quit smoking and are embarrassed about the staining that years of nicotine has caused? Whatever the reason for your lack of confidence, it can no doubt be fixed or improved immensely by a smile makeover. Visiting a dental professional specialising in cosmetic treatments should be your next step to discuss your options.

Veneers

If you have gaps between your teeth, any chips or discolouration, then Veneer Dentistry Essex professionals explain that veneers are an excellent option for covering the front of your teeth, which will hide any imperfections that exist. This type of treatment is an alternative to orthodontic work, but needs to be considered carefully as the process is irreversible; during the treatment, the top layer of your existing enamel will need to be removed before the veneer can be fit and fixed into place. Talking to your dental professional will help you reach the right decision for you.

Dental Implants

If you’re missing a tooth entirely, then this can significantly affect the appearance of your smile, as well as damaging your self-confidence. But there’s no need to put up with this when dental implants are available. They’re long-lasting, look incredibly natural and behave just like your own teeth do in terms of eating and drinking. You can have a single tooth or multiples replaced, and the procedure can be completed in as little as a day.

Teeth Whitening

One of the most common dental treatments is a simple teeth whitening procedure. As you age, your teeth can go from being sparkly white in youth to yellow and stained in your later years due to poor lifestyle choices such as smoking, or drinking red wine or coffee. But whitening treatments can erase the discolouration of your teeth, lightening the shade and restoring you with confidence.

If you’re frustrated by your condition of your teeth, then there’s no time like the present to make some changes and put the sparkle back into your smile.

 

Feeling Conned by A Timeshare? Get Legal Help Before It’s Too Late

Most Timeshare Contracts Can Be Cancelled if you Act Fast

 Some timeshare deals are not all they seem. If you have been taken in, it is essential to get professional advice as quickly as possible.

 You might almost think that the phrase “buyer’s remorse” was invented for the timeshare market. Surely there are no other big ticket purchase items that come close when it comes to the percentage of buyers who end up feeling they have made a terrible mistake.

There are several possible reasons for this. Sometimes we overreach ourselves financially, and on other occasions we buy impulsively without properly understanding our financial commitments and liabilities. But one of the most common reasons for buyers turning to timeshare lawyers for help is that they feel the salesperson has fraudulently misrepresented the deal – or in other words that they have been conned.

It is OK to change your mind

Even if the timeshare is completely above board and the seller is honest and straightforward, you might still decide you want to change your mind. If you purchased your timeshare in the UK, then it will be subject to the Timeshare, Holiday Products, Resale and Exchange Contracts Regulations 2010. Among other things, this stipulates that buyers must be allowed a 14 day cooling off period in which they can cancel the contract at zero cost. This regulation is based on an EU directive, so agreements signed in other European Union countries are subject to a similar provision, although in some countries the cooling off period is only 10 days.

To activate this provision, time is of the essence. Advise the timeshare company that you wish to cancel the agreement, and do so in writing. Send them a letter and state in unequivocal terms that you wish to cancel the contract. Provide full details of your name, as it is written in the contract, the name of the timeshare company, the contract number or reference and any other pertinent details.  Note that you do not have to give a reason for cancelling the contract, so do not feel browbeaten into explaining yourself or enter into lengthy discussions.

What if it is too late?

If you feel you have been mis-sold your timeshare and that the sales agent or timeshare company was dishonest or withheld information when you signed, that is never OK, even if more than 14 days have elapsed.

Timeshare mis-selling is not uncommon, so the good news is that there are legal firms who have plenty of experience helping out those who have been a victim of this kind of activity. The point is that there is no single answer or solution, and everyone’s situation is unique.

The best advice under these circumstances is not to delay, and to get in touch with a reputable and established law firm with experience in this field. Unfortunately, there are an increasing number of businesses advertising so-called legal services in this sector who are no more honest than the fraudulent timeshare sellers themselves. Make sure you choose a firm that is accredited by the Law Society and that will offer an initial free consultation to make a realistic assessment of your specific case.

 

How to Move to Millionaires Row by 40

Your Dream Home is More Affordable Than You Think

 Taking possession of the home you’ve always promised yourself is all about following a smart strategy.

 Whether it is a penthouse apartment in a fashionable London suburb, a country retreat with land and outbuildings, or a historic stone cottage in a picture-postcard rural village setting – most of us enjoy spending some idle time surfing sites like Rightmove and picking out our dream property.

Of course, surfing the net and dreaming is one thing, but we have to come back to reality sooner or later, and we do so with the vague promise to ourselves of “maybe one day.” But perhaps you can make “one day” sooner than you think. Interest rates are low, 900,000 pound mortgages are becoming commonplace and more people than ever are moving into their dream homes on millionaires row by the age of 40.

Negotiate

These are perilous times for sellers, so if you happen to fall upon the home of your dream, you are in a strong position. Nobody knows with any certainty what is going to happen to property values after Brexit, and you can bet that anyone selling right now is doing so because they need to.

Keep this in mind and don’t be shy about putting in an offer that’s well below the asking price. Sure, they might slam the door in your face, but they might also be glad to at least have a buyer who’s ready to negotiate. The point is, if you don’t ask, you will never know.

Check out all the mortgage options

The world of mortgage products is a far more complex one than it was 20 or so years ago, but many buyers still find themselves trapped in a 20th century mindset. Shake off those shackles and you open up a world of opportunity. There is no need to just think in terms of 25 or 30 year repayment mortgages, for example.

The best thing you can do here is speak to a specialist who deals in high value mortgages. By all means check out your high street bank too, and see what is available, but you will find a specialist broker will have access to a wider range of products available, and on more flexible terms.

Be flexible

If you’ve found your dream home but it is still outside your price range, don’t give up. Reassess your calculations, and do everything you can to make the numbers work. Nobody is advocating overreaching yourself financially, but if it is a relatively small amount, for example £25,000 over your budget, that might only translate to £70 or so per month and suddenly it looks a lot more doable.

You also need to exercise flexibility when it comes to the home itself. A great way to become a resident on millionaire’s row is to buy a property that needs some work and modernisation. Sure, it might not be the home of your dreams when you first move in, but be patient and carry out upgrades one at a time as you can afford them. When it is all done, it will be a home that carries your unique stamp and nobody else’s.

 

 

 

 

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