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Guest Post: 7 Reasons To Grow The Hell Up

So you’re a teenage boy. I was one once, and got over it. You can too, if you TAKE HEED of these important points.

1. You are not special. You are not the first person ever to feel this way. You are not the first person ever to fall in love, or get stoned, or drunk, or listen to music that wasn’t in the charts. You are, in a word, unoriginal. Hurry to adulthood where such tedious conformity goes unremarked.

2. You look like an animated French Bread Pizza. This is not a good look. Get busy with the acne treatment, and you might find the teenage girls you pine after, bother to look at you. I mean, it’s still doubtful, given you only speak in mumbles or grunts and have the personal hygiene of algae, but hey, it’s a start, no?

3. You are composed entirely of knees, elbows and Adam’s Apples. While teen girls are so sylphlike they get their A-Level results photos on the front page of the Telegraph, teen boys lurch about like they were made that morning and the glue didn’t take. You’re fitter than you’re ever likely to be again – stop walking around like you’ve a freakishly heavy head.

4. You need ‘fake ID’. Now that’s just plain embarrassing. To have to proffer some weedy doctored piece of card every time you want to do something normal, like buy Tippex or 12 cans of extra-strength Fusilier Lager from your local shop is demeaning to all concerned. Get old, so you can demand such essentials in a booming, confident voice.

5. You’re all over the scale. Speaking of voices, what’s up with yours? One minute you’re frightening bats, the next minute you sound like Sauron spotting Frodo. Stop mucking about, boy!

6. Why so unwashed? Acne treatment is all well and good, but it needs to be accompanied by actual washing. A spray of Right Guard under the arms every morning is insufficient. You’ve achieved success when strangers can enter your room without being knocked unconscious.

7. You didn’t ask to be born. Sorry, what’s that? You didn’t ask? OF COURSE YOU DIDN’T! Nobody did! It’s not how the system works, for crying out loud! I’m sure this was covered in Biology. To become a man, you need to internalise this existential sense of injustice and only let it out, say, during major sporting tournaments.

September 5, 2012
Guest Post: 7 Reasons Why You Should Get A Grip On Your Finances

here’s no denying the country is in a pickle. The latest figures show that 1694 workers are getting made redundant every day and the downturn is the longest the UK has seen in more than 100 years.

Little surprise then than many households are turning to borrowing money to try and make it through to payday and keep a roof over their head. However, spiralling debts can be difficult to escape from in the long term, even once the country’s economy eventually picks up.

It can be very tempting to rely on credit cards and loans to help make things easier but here are seven reasons why you should sort out your finances and steer clear of debt where possible.

1. You will end up with less and less money. Unless you are lucky enough to secure a 0% interest credit card, the charges added to money borrowed can make the amount repayable much more than the original debt. This means that more and more of your income will be swallowed up by repayments, leaving you increasingly reliant on borrowing, a vicious circle, which is almost impossible to escape.

2. Existing on borrowed money encourages you to live beyond your means. In the majority of cases, it is possible to survive on the income you receive, even if you have to make some adjustments to your lifestyle. Relying on payday loans and credit cards stops you making the necessary spending cuts and allows you to spend more than you have.

3. It is difficult to keep track of what you are spending. If you simply slap everything on your card, you may well be in for a nasty surprise at the end of the month. By paying for everything with cash, or your debit card, you can keep tabs on your bank balance throughout the month.

4. You will be seen as a poor credit risk. If you have lots of credit cards which are at their limit, many lenders will be less likely to offer you more finance – a real problem if you are trying to get a mortgage or a car loan. More recently, one lender has said that any applicant with a history of payday loans will automatically be refused.

5. You might sleep better. Having to survive on a reduced income is not much fun but is less worrying that juggling money to pay off your lenders. Anxiety over how to pay debts is one of the leading causes of insomnia.

6. Your financial situation will improve. Your financials will improve more quickly when the economic downturn in the country is over. Once the double dip recession ends, there will be more job opportunities and cheaper goods in the shops. If you are still crippled by debt repayments it will take a lot longer to feel the benefits.

7. Sorting finances now could help to improve your financial situation in the future. Even if you aren’t waist-deep in debt, it can be easy to blow money by being disorganised. Taking the time to sort through your finances, cancel unnecessary direct debits and draw up a budget may well just be enough to make life more comfortable.

Baines & Ernst is a leading provider of debt help and advice to people with money troubles. The company has helped over 100,000 people to escape the pressures of debt and provide solutions including Debt Management Plans and IVAs.

August 31, 2012
Guest Post: 7 Reasons To Go On A UK Family Holiday

Everyone loves a good old British family holiday. I have many happy memories of days wasting my pocket money in arcades (apart from one traumatic moment when I dropped my pound coin straight through a gap in the pier, much to my sister’s amusement) and chasing AWOL camping equipment around windy Devonshire camp sites. In all seriousness, there are some fantastic family holidays in the UK, and hotels which provide real luxury and entertainment for both adults and children. With that in mind, here are 7 good reasons to holiday in Britain this year.

1. Your children probably won’t get eaten by a shark. You will be relieved to know that very few people have been eaten by sharks in British waters.

2. You can legitimately moan about the weather. It’s nice to moan about the heat when you’re abroad, but it’s always tinged with guilt because you’ve been moaning about the rain all year at home. Holidaying in the UK means you can start to complain about the weather as soon as you know you’ll be in Britain all summer and continue to complain about it when you’re back, knowing you’ll receive sympathy from fellow suffering Brits.

3. You can buy a normal sized loaf of bread. There is often a distinct lack of average sliced bread in Europe outside of the UK. I enjoy a baguette as much as the next person, but sometimes you feel as though you need to give your mouth a rest from the crust aerobics (a potential hit on Dragons’ Den?) it has endured.

4. You don’t have to learn another language. Unless you’re going to Somerset, in which case you might need a translator in some circumstances.

5. You don’t have to change your money. The customary trip to the Post Office is probably one of my least favourite parts of preparing to travel abroad. You suddenly have to start worrying about exchange rates and markets and buying and selling. Consequently I usually end up taking five times what I need in Euros, worrying the whole holiday that it will be stolen from my bag, and then forgetting to convert the rest of it back when I’m home.

6. It can be nice. We Brits get a fair bit of flack about our excessive drinking, repressed (or too under-repressed) sexuality, and unhealthy desire to start up a queue wherever possible. But I’m going to stick up for us here. We are lucky to live on a beautiful island with a long and varied history and probably the coolest capital city in the world. Tourists flock here because there’s loads to see; maybe we should be making the most of it too.

7. It’s not far to get home. By the time you all want to murder each other at the end (just my family?), at least you know it’s not going to involve a 4 hour wait for a delayed plane while your dad dances with a Turkish belly dancer in the airport shop (definitely just my family).

Katherine likes to a get a feel for the history of the places she visits, and seeks out the bits which reveal something about the culture in different areas of the globe. She has travelled in four different continents and is looking forward to exploring the rest.

August 26, 2012
Guest Post: 7 Reasons Why Your Teenager Needs To Know About Money

When your son and daughter was born, they were probably a smiling, gurgling bundle, quickly growing into an angelic child who never tired of cuddles. Now a few years have passed and they have transformed into a stomping, grunting teenager who would sooner poke their own eye out than have a serious conversation with you.

However, as their parent it is your responsibility to have a conversation with them and make sure they know all the facts. No, not the birds and the bees…..something far more tricky; money.

You may well flinch at the idea but they need to be fully equipped to venture out into the world. Here are seven very good reasons why you should take a deep breath and sit them down.

1. If they don’t find out from you, they will have to get the facts from somewhere else. And that means you will have no way of knowing whether they are being given accurate or honest information. Banks have proved themselves as less than trustworthy in giving out advice. If you want to be certain they get an honest view, you need to do it yourself.

2. Letting them wander into the world of credit without a financial education is like sending a lamb to the slaughter. Mobile phone companies and rogue lenders will take advantage of your child’s naivety and they could end up signing a contract which costs them a lot of money.

3. And if they do get in financial difficulty, whose door will they come knocking on? Whilst there are many altruistic reasons to make sure your child knows what they are doing, it also means you are potentially protecting yourself from having to bail them out of trouble.

4. It isn’t easy to work out what everything means without a bit of help. There are some things in life which are simple to understand without any help. The world of finance isn’t one of them. Contracts are full of jargon and impossible to make sense of without someone explaining all the terms. Did you know what APR meant before someone told you what it meant in plain English?

5. Teenagers tend to make impulse purchases. If they don’t appreciate how long it takes to pay back a credit card and how much extra interest they will have to pay, they will max out their card almost as soon as they get it.

6. If your offspring get the chance to learn about money as soon as possible and gradually put those skills into practice, by the time they have to make big financial decisions, they will be more adept. This is particularly relevant if they are planning on going to university as managing on a tight budget will be a key skill.

7. If you take the time to talk through the subject calmly – and perhaps share some of your past mistakes, your son or daughter might feel more at ease approaching you in the future. Struggling with money problems is much more difficult if you don’t have anyone to discuss the issue with and by making the first move and showing that everyone can make mistakes, hopefully you can avoid your children trying to cope with any problems alone.

Baines & Ernst specialise in helping people clear debt with effective solutions including Debt Management Plans and IVAs. Since 1996, Baines & Ernst have helped over 100,000 escape the pressures of debt.

August 17, 2012
Guest Post: 7 Reasons To Pack It All In And Travel The World

It’s a lovely idea, isn’t it? Far-off places, beautiful beaches, different cultures. Freedom from the daily grind. Until, that is, all the reasons why you shouldn’t pack it all in and travel the world race into your mind to stamp on your embryonic daydream. If you’re not so terrified that you’ve stopped reading altogether, here’s 7 reasons to resuscitate your dream.

1. Britain’s too expensive… I live in Germany and every time I meet someone who has visited Britain, I hear the same complaint: it’s soooo expensive! Imagine living there, I tell them. The cost of living is going up, while pay is being cut or frozen. It’s a simple equation: Brits work more and pay more and in the end we receive less. Think about that.

2. Britain’s too, well, outraged… The endless stream of talent contests we’ve been subjected to over the last few years might have been a warm-up for the big bonanza, The London Olympics, but all this has been a brief interval in the favoured pastime of the British: moral outrage! If there were Olympic medals available for complaining, who would win all three? Yep, Team GB. Speaking as someone who has left the Iles of Wonder, I’ve found that other cultures deal with problems in different ways, but they all have one thing in common: a lot less complaining. It’s a relief to not feel so obliged to complain.

3. Who are The Jones’ anyway? We’re in a desperate race that begins the day we are born. First it was the right nappies, then it was the right lunchbox, then it was the right clothes. Before you know it, it’s the right phone, then the right car, the right mortgage for the right house in the right area, the right holiday destinations, the right schools for the kids, the right universities that we can’t really afford, the right pension policy (or to call it what it really is: the right amount to fund the endless gambling of those schmucks in The City), and before you know it, your final concern; the right sending off, which you won’t enjoy because you’re well on your way to becoming carbon, or catching the train to the afterlife – whatever you believe.

4. You might not be able to stay… More and more of us are facing the stark reality that jobs are scarce. It’s tough times in Britain and while you have worked hard for the moderate, yet comfortable life you lead, if you lose your job, getting another one in Blighty will be difficult. It’s in moments like these that the totally insane question of “What would I do if..?” can bring you life changing answers.

5. You can afford it, even if you think you can’t… Most of us think a round-the-world trip as a £10,000, or £20,000 adventure. It doesn’t have to be. Some people choose to save up enough to get them through the first couple of destinations. Once they arrive somewhere they like, they find work and build-up a pot of money to get them to the next couple of destinations and so on. Some choose freelance work, or teaching, while others choose to participate as healthy volunteers in paid clinical trials for organisations such as volunteers.gsk. The point is if the idea sounds better than the next series of Britain’s Got Talent, what are you waiting for?

6. A different perspective… Different cultures bring with them different perspectives, like how to cross the road in the opposite way (try it. It’s more thrilling than a shark dive!)

There are different etiquettes, like “We don’t pass the salt here; you’ll have to reach for it yourself.”

And finally, the stark and slightly terrifying realisation that the rest of the world is perfectly comfortable having sex without the aid of several glasses of wine/beer/vodka/gin/tequila/sambuca/a sickening mix of all six (delete as appropriate).

Immersion in other languages and perspectives will force you to grow in directions you never thought possible.

7. There’s more to life… There’s more to life than the daily commutes, sales targets, deadlines, council tax, plumbers who don’t turn up to fix your busted boiler, singing contests and your favourite latte from the cafe near the train station. There are even places on this planet where the sun actually shines, where people sit in the shade enjoying an unhurried cup of something pleasant, where the road is open and those who walk it will find out who they really are.

August 12, 2012
Guest Post: 7 Reasons To Keep Track Of What You Owe

Everyone knows that borrowing money is not a good idea but sometimes it is a necessary evil to get you through a major mishap, such as the boiler going bust or the car breaking down. However, a recent study revealed that many people have no idea how much they owe, preferring instead to bury their heads in the sand, proverbially, not literally. Although it might be more comfortable to kid yourself about how much debt you have, here are seven reasons why it isn’t a good idea….

1. Not knowing how much you owe will stop you getting back on track. You can’t budget effectively. Even if you only opt to pay the minimum on your credit card each month (which is never a good idea unless you are absolutely skint) you still need to know how much will be debited from your account. Having no clue about the repayments mean you are not budgeting and are simply crossing your fingers and hoping you have enough cash.

2. You will damage your credit rating. You might not have sufficient funds in your account to cover the repayment. This means not only a black mark on your credit file for a late payment but if you are on a special deal, you may have to kiss it bye-bye. Failing to pay on time allows the credit card company to revoke the terms and apply not just charges, but a higher level of interest.

3. Being unprepared for an unexpected bill could mean you fall behind in other financial areas. Even if you do have the money in your account, it could have been earmarked for another expense, such as your mortgage or rent. Getting caught unawares of another bill could leave you with not enough money to pay for your essentials.

4. Misleading information could spell bad trouble. If you need to declare your financial circumstances, perhaps on a mortgage application or maybe you are opening a new current account; you could be accused of fraud if you provide misleading information about what you owe. Claiming ignorance is not considered an acceptance defence. You could find yourself not only rejected but blacklisted making it almost impossible to get accepted by any mainstream provider.

5. You could end up in a spiral of debt that you find hard to get out of. It could drive you into taking extreme measures such as relying on high-interest payday loans, or even worse, going to a loan shark, for money to get you through the month. For most, this is a downward spiral from which it is difficult to escape.

6. You could find it hard to get additional credit in the future. If you are relying on credit every month, you may well end up going over your limit. In many cases your lender may not reject the transaction but will slap you with charges and any future creditor will view you with extreme caution. You may also find your credit limit suddenly slashed; most lenders reserve the right to do this if they feel you are not managing your account properly.

7. Ignoring debts will only make your situation harder. You might not want to know how much you owe, but if you don’t take a deep breath and face the facts, how will you tell when your debts have become unmanageable? If your financial circumstances are less than comfortable, totting up how much you owe to all your creditors can make you feel anxious. However, there are a lot of ways to get help but unless you take the first step and acknowledge that you can no longer manage your debts, you will be forced to struggle on alone.

Baines & Ernst specialising in helping people get out of debt with affordable debt solutions including Debt Management Plans and IVAs. All them for expert debt help and advice today.

August 10, 2012
Guest Post: 7 Reasons Why Britain Still Rules The World

The nation is sick of austerity measures, no-one has any money, the cost of living is moving ever-upwards and it’s almost impossible to find a decent job. No wonder many people think the days of cool Britannia are well and truly in the past. But although things might feel difficult right now, here are seven reasons why the UK is still the best place to live.

1. Sterling is still king. Whether you are pro or anti Europe, there’s no denying the fact that the Euro is in a lot of trouble right now. Even strong economies such as Germany are starting to be dragged down by weaker nations in the EU. The various members of the single currency are struggling to agree on the way forward and, at the moment, opinion is divided about whether the Euro will survive. Keeping the pound has protected Brits from much of the strife on the continent.

2. Get more for your money. Although the problems in the EU have had an impact on British trade, it hasn’t spelt bad news for everyone. The strength of Sterling against the Euro means UK holidaymakers can get much more for their pound. With money in short supply, being able to enjoy a break much cheaper than anticipated, because of the good exchange rate, is an unexpected bonus for many people.

3. A good credit rating. Britain has a debt problem and much has been written about it. However, despite this, it has retained its triple-A credit rating, meaning that it will be much quicker to pay off what it owes. Having a worse credit rating means the UK would have to pay more in interest. Many other nations have been stripped of their AAA ranking.

4. Taxes help support our country. The structure is essentially sound. In Britain, the vast majority of people pay their taxes which, whilst being unpopular, means the government can rely on a steady stream of income to boost its coffers. In countries such as Greece, not only have allegations of corruption been highlighted as a primary debt cause, there is a culture of non-payment of tax, making it impossible for the government to draw up a budget.

5. Protecting the public’s interest. The financial services industry has a watchdog, regulator and a body to adjudicate on complaints. There is also the Office of Fair Trading, as well as numerous consumer bodies, such as Which? to protect the public’s interests. This means that if an organisation steps out of line – and of course, it does happen – the chances of them going undetected are virtually zero.

6. Industrial strength. There are tiny green shoots of revival. Although many areas are still looking fairly grim, there are signs that the country has overcome the worst. The manufacturing and industrial sector has started to expand and there is a lot of interest overseas in UK-produced cars. The recent contract awarded to the UK over Germany was a major boost to the economy. Inflation has also started to come under control.

7. Austerity measures aren’t as tough as other countries. Overseas, it is going to get worse before it gets better. Portugal, Greece and Spain have all had to agree to tough austerity measures – far worse than the UK – in order to get the rescue handout they needed. That isn’t going to be a comfortable ride for those who live there.

Baines & Ernst have helped more than 100,000 people to escape the pressures of debt. For debt help and advice in the UK, speak to Baines & Ernst.

August 3, 2012
Guest Post: 7 Reasons To Do Your Research When Online Dating

There are over 7 million singles in the UK looking for a long-term relationship, many of whom turn to online dating to find a partner. Online dating can be a great way of finding somebody you share things in common with, but it is important to do your research both on the website you choose as well as on the people you talk to. Here are 7 reasons why…

1. They could be bending the truth. Some people just can’t resist the urge to be economical with the truth on their internet dating profiles. It’s generally about small things, like certain interests, weight, and sometimes people shed a few years off their age. This is because of the tension between the desire to be truthful and also give the best impression. If it´s just a minor lie, be understanding – after all, your profile may not have been totally honest either. However, some may use the anonymity of online communities to deceive you, so stay savvy.

2. They could be unfit for dating. Some people may be slightly troubled, whether that is because of a bad break-up or family issues. This may come across in their profile and when you talk to them – if it does, go with your instinct and tell them you´re not interested. Sometimes, if somebody comes across as fragile, it can be an attractive quality, as you might want to help them get better, but it is often the case that they have to do this for themselves. If somebody appears to be completely off their rocker – stay well away!

3. They may be related. You know that awkward moment at a family wedding when you accidentally kiss a third cousin or –gulp – someone from an even closer branch of the family tree? Well, before you start sending flirty messages to someone, just make sure they´re not in any way related or, perhaps just as bad, an ex.

4. They may be attached. Some people on dating websites are actually in a relationship. It is always worth doing some research on somebody for this reason, as the internet can provide a good cover for people and it can be difficult to know if somebody is lying. Do a background check – type their name into Google and Facebook and see what comes up. If you suspect they might not be genuine, ask them straight out.

5. They aren´t looking for long term. Before you get all excited about someone who seems promising, make sure they´re looking for the same thing as you. Not everyone is looking to commit, and some are scared of it, so check out their profile, ask them some questions and try to gauge what kind of place they´re in and what they want.

6. There is a Christian Grey or Lara Croft within an overweight, unemployed exterior. Hopefully not both at the same time… that would just be weird. They have potential – they´re sweet and kind – if only they would eat less, exercise more and get a job. That’s where you come in on your white horse. If only human relationships could be a simple matter of asking: ‘do you think you will change or become more interesting?’ And the other person would answer: ‘no’. That would be great, wouldn’t it? Instead, you could be a little less direct and just try to gauge their personality – if they seem motivated and positive they may be willing to change.

7. They are boring. These people bang on and on about a whole lot of nothing. They aren’t interested in anything except themselves. Their narcissism knows no end. If they don’t ask questions about you or seem interested in you online or on the first date, stay right away. On some dating websites people answer interesting, stimulating questions and give awesome answers. There’s no time in life to be boring so if you´re after singles with originality and flair, click here.

August 2, 2012
Guest Post: 7 Reasons Bob Diamond Had To Go – Shine On You Crazy Diamond

In the past few weeks Barclays big dog Bob Diamond has seen more turgid inches than Katie Price in her pomp. Column inches that is (of course, what were you thinking?), as the Barclays Libor scandal has flipped a plethora of wigs in the financial world – and in this sphere there are plenty to flip.

Diamond and co-conspirators (or clueless simpletons as many have claimed, trying to avoid the axe), passed the buck so much that it got misplaced. Thankfully it was recovered from the lost and found and pinned securely to Bob’s head, which was now very much on the block. So, why exactly did the Barclays boss have to go? I can think of, hmm, 7 reasons:

1. What’s in a name? Well… Judging people by their name is just wrong. It’s unfair, prejudiced, illogical and stupid. But Bob Diamond – really? Bankers should be trustworthy and reliable. It could be hypothetically scientifically impossible for anyone named Bob Diamond to be trustworthy. I got a GCSE in science – well I took a GCSE in science – so I should know. I’m pretty sure that Bob Diamond is a name designed specifically for second hand car dealers and scrap metal thieves. Would you trust a Bob Diamond with your money?

2. All that glitters… The Barclays scandal arose because Bob (yes I know him well enough to call him Bob now), apparently ordered the fixing of the Barclays Libor rate. This is the rate at which banks lend to each other and it indicates the financial position of an institution. Betting and trading on currency rates and market movements is one thing, but fixing is quite another. By doing this Bob was suggesting that Barclays was in a better position than it was. Naughty Bob!

3. A hole in the head for business. This fixing clearly indicates that – as well as being deceitful and dishonest – the Bobster has a hole in the head for business. Oh Bob why did you have to go and ruin a good career in investments, wealth management and other pecuniary matters with this scandalous move? Some critics have claimed it’s because he’s American; others that it was a cry for help; others that this was just the first time he was caught.

4. Blood ‘Diamond’ Conflict. When it became public knowledge that the Barclays Libor rate had been fixed, it ‘proper kicked off’ at the bank, as the Financial Times reported (or some other, perhaps imaginary publication). As mentioned the buck was passed furiously but among all the dizzy bankers, it was Diamond whose blood they were after. It was Diamond that had to go, as well as executive chairman Marcus Agius.

5. Diamond not a banker’s best friend. Squirm as he might Bobby couldn’t escape his fate; especially after he was grassed up by ‘right hand man’, Barclays executive Jerry del Missier, who told the Treasury Select Committee that Diamond had order him to fix the Libor rate. Bob was even less popular when the bank was hit with fines of £290 million.

6. Parliamentary porkies? The final nail in the Bob-shaped coffin was the accusation that Diamond lied to MPs about the scandal, showing again his charming proclivity for untruths that every good banker should have.

7. Bobby bonus. So it was decided/insisted that Bob would have to go, but as he clears his desk the £2 million bonus and benefits he will receive will soften the blow a little. It’s the least he deserves for deluding a trusted bank and a country in economic strife. God bless you Bob – shine on you crazy Diamond.

July 27, 2012
Russian Roulette Sunday: Instant Gratification

The first thing you’ll probably ask yourself is, ‘Why is there an American infographic on the patriotically British site, 7 Reasons?’ It’s a fair question. It does seem a strange mix. The thing is, though, we get dozens upon dozens of 7 Reasons guest posts every week – mainly because that’s what we ask for – so sometimes it’s good to see something a bit different. So we’re publishing it in the hope that you might think so too. It’s not just something different, though. It’s something interesting too. Well, I like to think so.

Created by: OnlineGraduatePrograms.com

July 22, 2012