Monthly Archives: October 2015
The Tenants’ Top Tips to Renting ……
- Know what sort of property you are looking for; size, furnishes, with a garden, bath or shower, storage are pets important?
- The first big question to establish …fees – who pays for what and when.
- If the local tenant demand is high, it’s important to appear keen and reliable – always turn up on time for viewings and have references and reservation fees ready. You could even have your own credit report ready to show prospective landlords/letting agents that you are well organised and can afford the property.
- Sources of rental property..web based sources, newspapers, friends, noticeboards etc. MAKE SURE you know who is actually letting and introducing you to the property as this will impact on the fees!
- Find out if you move end before the end of your tenancy – liability
- Check out the rental property checklist below;
Be-Safe top tips: Think before you post! Beat Cyberbullying!
Parents and youngsters are advised to regularly talk to each other parents about their youngster’s digital and online experiences. This should include experiences on all devices such as phones, texts, apps and game consoles. Encourage youngsters to talk to either parents and/or teachers about any bullying that may encounter online, and to avoid retaliation, keeping any evidence of the conversations or posts. Remembering to always keep passwords private.
The ‘Postcard Test’ is a useful example to use – youngsters are encouraged to think before they post and assess their messages, deciding whether they would be happy for anyone to read it, like an open postcard… if not… they don’t post the message!
Youngsters are in control of their digital footprint and ultimately they are responsible for pressing that send buttonRead More
Top Tips – How to get the best from your BroadBand
What can I do to improve my broadband experience?
There are many factors that can have an adverse impact on the speed of your connection; a problem with your service provider’s network itself is only one.
If you feel that you are not getting the broadband speed that you are subscribing to you should first use a speed test to measure how your connection is performing. You can compare this to the service speed to which you have subscribed.
Here are some tips for improving your broadband experience
UPDATE your web browser or try a new one.
LIMIT the number of devices in your home – the more devices you have online at once the more likely they are to slow each other down.
Guarantees and warranties only add to your rights – they don’t replace them.
Find out if your guarantee is with the manufacturer of the goods or the trader. This should be clear and unambiguous. Ask for details before you make a purchase as this may affect your decision (particularly with larger contracts, for example to supply windows and conservatories).
Top Tips: Remember to get details of your guarantee in writing. If your guarantee us with a company and they cease trading, your guarantee may well be worthless.Read More
Worried that you’ve been scammed or even tempted to share your information?
DO NOT be ashamed or embarrassed. Scammers are so clever now a days that everyone is at risk. Report the scam or ‘possible’ scam to help try to stop the scammers.
There are hundreds of scams – fake lotteries and prize draws, get-rich-quick schemes, bogus health cures, investment scams, clairvoyants and psychics, on-line dating, career opportunities, work from home schemes and the list goes on….Read More
10 Simple Steps to Save Money at Uni
For the majority, saving enough money to last the whole term at university is a forlorn endeavour. Indeed, according to research by vouchercodes.co.uk it will only take the average student 51 days to burn through their first student loan installment. Once that installment arrives it sits in your account menacingly and the temptation to spend is rife.
Students aren’t prepared for the consumer driven journey they are about to embark upon – whilst they may have passed their exams to gain entry to these establishments, they have been taught no life lessons on how to be “cash savvy”. There are a myriad of ways for students to cut costs however, and we at the Consumer Council have therefore constructed 10 simple steps, which we hope can prevent that first term loan becoming a premature groan:Read More
Renting your Home Condition Report
Will Condition Reports help solve rental deposit disputes?
Disputes over the partial or non-return of rental deposits have consistently been amongst the most common issues of concern brought to the Citizens Advice Bureau.
It is therefore in order to ensure fairness between landlord and tenant that the introduction of the compulsory use of Condition Reports for landlords and agents who let accommodation under a residential tenancy agreement (‘tenancy agreement’) is so welcomed. But what do both parties need to do?
Details are available on the www.gov.je site at http://www.gov.je/Home/RentingBuying/HousingLaws/Pages/ConditionReports.aspxRead More
12 Top Tips to Buying Goods and Services
Do your research.
What do you know about the business you are sending your money to? Have they got a good reputation, are there internet blogs or forums full of complaints? Google the name of the person or company and see what pops up. Try telephoning the supplier to see if they answer the calls as this may give you an insight into the way they conduct their business.
Are you clear on the price?
Have you looked at their terms and conditions to see if they will deduct VAT, will they deliver to Jersey, how much will this cost, how long will it take and will you have to pay GST on the import?
Apps and Age ….
Like movies, apps have age restrictions to ensure content is safe and appropriate for our children. This information is displayed clearly on the app before it is downloaded; making the age rating one of the first things users see when deciding to download.
Also check to see if the App requires ‘In-App’ purchases as this can quickly add up unwanted costs. Make sure you are fully informed before you download.
However in some circumstances, like watching movies, you may decide to let your child download an app above their age limit. If you find yourself in this difficult position, always…
APR – Annual Percentage Rate
Annual Percentage Rate
Everyone has heard of the abbreviated term “APR” but what does it exactly mean? And if we need a loan what are the conditions that we need to adhere to?
APR stands for “the Annual Percentage Rate of charge” and it can be used to compare different credit and loan offers. It is used as a measuring mechanism, which takes into account not just the interest on a loan, but also other charges incurred for borrowing the money (i.e. any arrangement fee).
APR will vary from lender to lender, but in short, the APR tells you how much your borrowing will cost over the course of a year, as a proportion of the amount you have borrowed. So if you are borrowing £100 at an APR of 9%, you will pay £9 in interest and charges over the first year.Read More