Anything that can be done to improve the visitor’s experience to a website has got to be welcomed. Those who already own or lease a shop most likely have already come across their website and will be pleased to hear it has now been made even more user friendly also now supporting mobile devices.

It has a comprehensive frequently asked questions section that provides some beneficial information. So, if you are unsure of something to do with such cover you may find the answer their.

Alternatively, there is a Freephone number or mobile number to ring where you can speak with a friendly, experienced member of the team. He or she will gladly answer any of your questions or arrange a quote. If you prefer, there is an easy to complete form on the website enabling you to obtain a competitive quote quickly. These things are provided without any obligation on the part of the visitor.

Whilst it is important that the correct level of cover is put in place most business owners are price-sensitive. Therefore, you will be pleased to read that, through its partner, Shop Insurance Direct provides a “Best price or your money back” guarantee. So, you can’t really go wrong!

Your Questions Answered

SID have done a good job in answering many questions posed by potential customers, consisting of:

• Do I Need Shop Insurance?
• How Much Does It Cost?
• What Are the Different Types?
• Are There Any Exclusions?

The SID website seems to have gone into great detail to ensure their customers have a good experience both on desktop computer, tablet and mobile devices and as many new sites popping up are also offering both freephone and mobile friendly (0333) numbers.

Some of the website’s features include: –

• Fast and simple online form to obtain a quotation
• Adapts to mobiles and tablets well
• User friendly navigation
• Freephone number
• Mobile friendly number for mobiles
• Useful FAQs

It doesn’t matter if you run a butcher’s shop, newsagents, takeaway or large supermarket, Shop Insurance Direct can arrange to meet all your cover needs including buildings, stock, fixtures and fittings and liability insurances.

To find out more visit the website or call SID on 0800 1970 444 (freephone) mobile friendly number 03301 000533.

At some time in the life of your business it is quite possible that it will need to raise some money perhaps to buy business premises. One of the ways of doing this is to arrange a commercial mortgage.

In this respect, you may find it of interest to read that a new commercial mortgage comparison website has commenced operating in the last couple of weeks. It is known as Commercial Mortgage Link and includes a panel of numerous commercial lenders in the UK. The website is simple and quick to use allowing you to search for suitable competitive commercial mortgages just by the completion of one form.

A major benefit of the website is that it provides “whole of market” coverage of commercial mortgage providers enabling the customer to obtain the most suitable finance package to meet their exacting requirements in every way i.e. low interest rates and fees.

The product range within the commercial mortgage market is frequently changing as new offers become available. Commercial Mortgage Link’s professional specialists keep a close eye on such things so are able to make up to date products available to their clients promptly.

Some of the features highlighted on the website include:
•Interest rates starting from as low as 1%
•Borrowing available from £30,000 to £30,000,000 plus
•Compare over 2,300 products for commercial loans
•LTV of as much as 85% in certain cases

The following observation was made by Steven Disloggi who is an experienced designer of websites: “It really is a great system, its geared up to connect the customer with the best possible lender or broker who can offer the most suitable products. It gives the client access to over 2,300 products to ensure they have access to the best deals available.”

Whether it is a small, medium or large business seeking funding, finance can be arranged through this website. You may also wish to take a look at their blog as there are a number of interesting articles that are most informative.

An excellent benefit of the website is that it provides a Freephone or local rate phone number to call so that you can speak with an experienced commercial mortgage specialist who can provide you with free advice about matters relating to such mortgages.

So, if you are likely to require commercial finance in the foreseeable future why not visit their website at www.commercialmortgagelink.co.uk.

Original Article: PR.com

For most of us, investing in the movements of stocks, shares, commodities, currencies, government bonds and the like is something we leave to the professionals. If we do engage in these multi-million pound markets, the likelihood is that we will do so via a third party organization such as a pension provider or some form of endowment policy or investment product. In this way we are all investing in the markets – even if we take a hands-off approach to that investment.

Increasingly, however, there is a trend for getting directly involved with the market variations which give this sort of trading its impetus. Financial spread betting (FSB) is the latest vehicle to enable such a direct engagement with the market movements that underpin our national and indeed international financial well-being.

Ever since the Thatcherite loosening of the barriers to entry to share dealing in the 1980s the public appetite for trading has been on the rise. As the derivative-based logic of the trade floors once reshaped the sports betting industry – prompting the development of ‘spread’ betting itself – the wheel has turned full circle with the advent of a mechanism that allows the general public to bet on stock and currency markets on the same basis.

Spread betting works on the basis that an initial stake is simply a marker set against a volatile market position. The player’s position will effectively bet on which way the market will move and his or her return will reflect the extent of that movement. For example, a £5 initial stake will realise a £20 return if the market moves four points in the anticipated direction. If the market moves ten points the return will be £50, and so on.

The downside to this equation is that if the market moves in the opposite direction losses are calculated according to the same formula. Given the open ended nature of the contract spread betting is therefore anything but a safe bet. But it does have considerable potential for profit.

Because no stock is actually bought or sold during this process any returns are treated as a bet rather than an investment per se. That means that stamp duty and capital gains tax do not apply. For many serious investors this is seen as reason enough to use FSB, even though the market mechanisms are precisely the same as those used by professional traders. Hence, for example, tradefair spreadbetting makes use of the same Contract for Difference as are employed in the City.

The public appeal of this sort of approach to the financial markets is a direct corollary to the general surge in betting activity that interconnected technologies enable. Smartphone use is expected to increase eight fold by 2020 and it is that expanding market that FSB is increasingly being targeted towards. The proclaimed difference between FSB and a sporting spread bet is the volume of market intelligence that is available to inform any financial market assessment. Needless to say, the merits of that claim are open to debate.

For those attracted by this sort of direct connection with the markets it is worth noting that the major providers do offer cashless demo versions of their software that allow a risk free, hands-on trial of FSB. It is, admittedly a stimulating experience, but it is most certainly not appropriate for investors of a nervous disposition! On that basis the market for FSB is always liable to be limited, but for those of an adventurous disposition, or those confident in their market research and insight, it does offer an extremely direct means to exploit market volatility without recourse to all those professional intermediaries.

Few people have the necessary funds available to buy a new car outright, so will often instead look at one of two options, either leasing the vehicle, or financing the purchase. Whilst arranging finance is in itself not a particularly complicated process, it’s necessary to have a decent understanding of the finer points to make sure you’re getting the best deal. There are various financing options open to you, from credit unions, banks, online, and often the dealership itself. You can click here to see a representative example of dealership financing for a user SEAT.

Many car financing deals either follow the hire-purchase option, where after the final payment has been made the car belongs to you, or personal contract plans, whereby at the end of the repayment term you have the option to buy the car with a final payment, or sell it back to the dealership for a pre-agreed amount (subject to points such as physical condition, mileage of course). If the trade-in value is greater than the final payment due, then you’ll usually be allowed to put that against your next purchase.

The amount that you need to get financed is the value of the car, minus the trade-in amount, so in a very simplistic example:

£20,000 – £2,000 = £18,000 financing required

You’ll then pay it off in monthly instalments over an agreed term.

Interest

If you opt for a shorter term length, commonly 24 or 36 months, then you may well find the vehicle you want comes with 0% interest. If you can handle large payments over a short period, then this is a big advantage. But many people prefer not to, or simply can’t afford that, so need to factor the cost of interest into their calculations.

So a car that is priced at £20,000 might, with financing spread over a two-year period, cost something like £24,500.

The amount of interest you need to pay on your deal will vary according to several factors such as:

Your credit rating

Length of the loan (Generally shorter length = lower interest)

Age of the car (Again, generally newer = lower)

Even your geographical location (less of a factor if financing online)

Therefore before you even approach financing it’s vital to get a copy of your credit rating from a company such as Experian and correct any mistakes that may negatively affect your deal. You could find you make significant savings if they have outdated or invalid information about you.

Ultimately, with financing, everything depends on the total amount you can afford to pay for the car, and over what length of time, so know that before walking onto the forecourt.

Lastly, some advantages and disadvantages of the various sources of financing:

Dealerships – This is a fast and convenient way to arrange financing, but you need to do your research thoroughly to ensure you get the best deal. Naturally for the dealership this is a profit-making enterprise, so be prepared to negotiate, and to be upsold extras such as extended warranties and undercoating. And remember that interest payments are usually front-loaded which can be a problem if you plan to pay if off early. Most dealerships offer a range of finance options.

Banks – Finance from a bank is likely to be competitively priced and may also come with insurance free of charge. Plus, they often have specialists on hand who can check you’re getting the best value for money. However, if you want to buy on a weekend or evening and you’re in a hurry then they’re not convenient.

Online – Again, arranging finance online can be competitively priced, and convenient, but you don’t get that personal service – you can’t ask the detailed questions you could at the dealership.