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The subject of stimulating our local economy cropped up recently at our BNI meeting and we were discussing a local business fair. The idea being to stimulate money flowing within the town by bringing together businesses that are run by businesses set up locally for their customers using regionally produced products and services. There could be a organization to organization section where connections could be made to help local businesses get to know exactly what was being made in their own region and how their own organisation might get involved in helping to keep transactions moving around in their own town. And there could be a business to consumer section so that members of the general public could find out what they could purchase that hadn’t travelled half way round the globe to reach them.

In principle it sounded like a fantastic notion but when we came to analyze what types of regional organization were actually buying their products from close businesses we began to wonder if there were any of these left. Yes, there are still some local manufacturers on a small scale in the regional environment. We have a local factory but that sources its raw ingredients from other parts of the world on the worldwide market. What about lingerie? Do we have any clothing manufacturers locally? Could anyone find undergarments, such as bras and bodysuits, that had been made in the area or is it all freighted in from asian locations where production methods are cheap? As long as fuel remains available then we will all be able to source materials worldwide. But how long will it be before the price of oil goes through the roof and by then, will we have discovered the magical secret that will provide us with enormous quantities of electricity to power the changeover to electric trucks and electric aeroplanes?

Stimulating the uk economy at different locations with a local currency, as they have been doing in Bristol and Brighton, needs local traders to connect together to keep that money circulating locally. If it just evaporates as soon as it gets spent with a local trader because their chain of supply have to be paid in a non-local currency then we will continue to have a worsening regional economy.

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A zero per cent interest credit card can help you save a lot of money. However, these types of credit cards are usually offered when promoting a certain item or on special occasions. Basically, getting a zero interest credit card is usually considered as being half the battle, one must be able to use the card properly to be able to fully enjoy the benefits that the card carries. So, how do you get a credit card 0 interest ? You can get such a card through major promotions. To get one, you will be required to make an application for a major credit card with a 0 interest promotional rate. Before application, make comparisons of different options that you may be having. This move will help you make the right selection of a reputable credit card company. Once you get the card, make good use of it during the limited promotional period. You can also use the card to transfer your balances within the promotional period so as to get the 0 interest credit when you still have time .You can also get a 0 interest credit card at different stores such as Best Buy. Usually, electrics and appliances stores usually offer this type of credit cards when carrying out promotions for their merchandise. The term 0 interest credit in this kind of case usually varies from one store to the next. In addition, the promotions usually have different terms for the participants depending with the amount of good one purchases and the amount of money spent in any purchase made. In addition, you can get a credit card that has 0 interests by signing up for one at a home improvement store. However, this option is usually tricky because not all home improvement stores usually have this option even when carrying out a promotion. Thus, to ensure that you do not make the wrong choice, ensure you research beforehand and list all the stores that usually offer 0 interest credit cards during their promotions. Read more…

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The Student Finance campaign is reaching thousands more sixth formers with vital information on university grants, as the government extends its highly-successful roadshow promotions tour.

Event Marketing Solutions (EMS) have been working with the Department for Business, Innovation and Skills (BIS) to deliver the initiative, informing sixth form students about the upcoming university fee reforms from September 2012 and the support available to help them participate in higher education.

So far, the event roadshows have visited approximately 1900 schools and colleges, and has reached more than 150,000 students and parents in an ambitious schedule of visits. Due to end in early January, the tour has now been extended to February 3, to allow those schools and colleges who were unable to host an earlier visit to take part too.

The tour followed a rigorous recruitment and three-day training programme to brief and prepare 39 recent graduates as student finance presenters to visit schools and colleges in a specially adapted mobile trailer. Each visit sees the presenter delivering an informative talk as well as a Q&A and one to one session. Students, parents and teachers complete a survey before and after each presentation to enable BIS to fully evaluate knowledge and perception shifts. Impressively, from the results collated to date, 95% of the students asked felt that they understood more about the new financial support available after having received the presentation.

Managing the campaign is EMS’ experienced education team, who have a proven track record of highly successful roadshows for BIS’ Aimhigher education campaign. They are backed by a full-time EMS student finance team whose key focus over five months has been to manage the database and logistically-complex schedule of the 39 presenters as they tour the country in a bespoke exhibition trailer.

EMS Client Services Director Justin Isles said: “We are delighted to work with BIS into February to hopefully reach 25,000 more sixth formers at a vital time in the run up to student finance applications. This two-week extension will allow us to visit more than 250 schools and reach upwards of 190,000 visitors – far exceeding our ambitious target, in what has been a hugely successful, high-profile campaign. It’s further proof of EMS’ ability to manage logistically-demanding, high calibre roadshows that ensure key personnel are in the right place at the right time, every time to deliver our clients’ campaigns.”
Universities and Science Minister David Willetts said: “No one should be put off applying to university because they don’t have the information about the new student finance system. Students need to know that most new undergraduates will not pay upfront costs, there will be more financial support for those from low-income families and everyone will make lower monthly loan repayments than they do now once they are in well paid work.”

Key facts
+ Five-month tour of English schools and colleges (September to February) on behalf of Department for Business, Innovation and Skills
+ Delivered by 39 student presenters, recruited and trained by EMS
+ EMS former Aimhigher team utilising 9 years of experience to manage logistically intensive campaign
+ Backed by EMS student finance team managing database and tour schedule

Photo caption:

Notes to editors
+ Event Marketing Solutions Ltd (EMS) plan, supply and implement international vehicle based roadshows tailor-made to clients’ needs – this enables them to engage directly with their customers.
+ EMS own and operate the largest and most versatile fleet of exhibition trailers in Europe and use their roadshow experience to put clients’ products and services directly in front of their target audiences – wherever they are in the world

For further information, please contact: Ruth Devlin 07896 125764, email ruth@judgeandhoward.com or Kate Price at EMS, 0151 350 1509 email kate.price@eventms.com

Ref: EMS-HS-230112

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The term “Instant Access savings” simply referred to the condition where you can access your

valuable saving money without any restrictions. Generally, the term “Instant account savings” is

related to the saving amount in bank saving accounts. Bank saving accounts can be of different types

like Notice accounts, Internet accounts, individual access accounts and etc. the main purpose of

these accounts is to earn interest over the time period. The amount of interest in depends upon the

terms and conditions of the service provider normally a bank or some other financial institution.

Each saving account has own limits and restrictions. The main difference between the instant access

savings account and other types of savings accounts is that the depositor of the money can access

or withdraw funds without any restrictions and obligation in Instant access savings account.

These types of accounts are best for those people who want to access their valuable money without

any restriction. So if you are a person who want to take control over your savings without any

restrictions then the method of Instant Access Savings is the best for you. As on the other types of

savings accounts require you to lock your money away for as long as many years, depends upon

the bank’s terms and condition. In addition in some saving accounts you cannot allowed to deposit

additional amount of money during the mentioned time period. Read more…

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When you have a strong credit line and a good credit score, you are able to reap the rewards of it, such as a zero interest credit card or strong credit line. A strong credit line will allow you to take out more sizable loans if needed, and give you lower interest rates as well. The main benefit of a credit card that has zero interest rate on it is that whatever purchases you make, you don’t be paying anything on them in terms of whatever charges you make on the credit card. Once the bill comes, you just pay off the balance in timely payments as set by the bank or credit card issuer, and you will never have to pay a cent over what you initially charged. This is a great incentive to use your credit card for many purchases, as they is no extra cost to you.

For many cards, zero interest is usually for a fixed amount of time. Usually though this fixed amount of time can last for up to 18 months, depending on the promotional deal or contract that is signed when acquiring the credit card. While zero interest can’t be forever, it can definitely be taken advantage of when had. A zero interest credit cards is a strong sign of your credit score. The better it is, the more likely you are to have something like that. And maintaining your good credit score will increase the chances of you having zero interest with that card, and perhaps other credit card issuers. Read more…

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Shopping reviews online allow you to find out what others say about products and services. You can compare prices; check out the pros and cons, and in-depth details about certain products and services of interest.

Shopping reviews provide you with the ability to look into something critically. You can examine items and services to ensure that it is adequate, correct, and accurate. Reviews enable you to consider something more carefully so you make smart choices. You can study the item details more closely, and check or compare it against other items and services.

One of the greatest benefits of shopping online is your ability to read what others say in reviews about products. Experts actually post reviews online. These people study, examine, and compare products and services and give you professional opinions. The opinions are invaluable when it comes to buying electronics, cars, software, TVs, games consoles, and similar items. Reviews influence shoppers to buy certain products and items by giving them more confidence. Read more…

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The best 0 interest credit cards are available online. Some people spend long hours searching for the best credit card offers. You will find a list of the best offers on the Web. CITI Platinum Select is the latest MasterCard offer that provides you with 21 months of free APR on purchases and balance transfers.

This is a flexible card. You have balance transfer fees of 3% with a $5 limit, and you do not have pay annual fees. The CITI Diamond Preferred MasterCard is available and offers 21 months 0 interests on APR balance and transfer rates. You can transfer your balance, and continue charging during the intro cycle.

Discover-More offers 0 percent APR on balance transfers up to 18 months. This offer includes 0 percent off on purchases as well. Balance transfer fees are 3% and there is no minimal on transfers. You receive an over a year to use the card without paying interest. The card has a reward program, which means you get 5 percent cash back if you spend money on gas, travel, groceries, dining, or at home improvement stores. You receive as much as 1% unlimited cash back bonuses on any other purchases you make with your card. You will find the details about the cash back rewards printed on the application. Read more…

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At one time family and friends had to rely on each other when they needed cash. This presented many problems, which included dividing family and friends from each other. The problem resulted from the borrowers failing to repay their dues. Lending money isn’t smart when you have no guarantees if you will receive repayments.

Lending money now is easier. P2P (Peer to peer lending), or social lending is available. These lenders allow those who want a personal loan, small business or debt consolidation loan get the money they need. The borrower benefits by receiving better rates than they would get from common banks or financial institutes.

Each borrower receives a multiple of $20 when they take out a loan. This action is built-in to spread out the risks across an entire community of the borrowers, which reduces risks of bad debt. Bad debt funding allows the borrower to have protection against defaulting on the money borrowed. A percent of the amount borrowed is given to the lender for commission. This money is used when a borrower misses repayments or defaults on the loan.

Who Can Lend Money Online?

Lenders can be anyone. Lenders do not have to know their borrowers. However, you must have a bank account and be over the age 18-years of age to become a social lending company. Lending money is on a time scale. Your money loaned out is flexible. Because the loans are flexible, your money is not tied up for a great deal of time.

You can benefit by receiving returns faster. Lending money companies will not accept money from other lending organizations that make lending a day-to-day routine. Instead, lenders set up their own accounts once their identity has been verified. Your account must meet and comply with Anti-Money Laundering regulations and rules to become a social lender.

If you qualify for a lending account, you will need to complete and submit a direct debit form. Upon submitting this form, you will need to inform the company the amount you wish to lend. You can lend up to $15k or lend $100. The funds are then collected from your account.

The fund or assets do not belong to the company. Instead, the lenders collect the money from your account and the repayments from the borrower. This money is held in a banking account.

For the best returns, you are advised to choose A, B, and C systems. If you choose all three systems, your money will be allocated against each loan request.

Each account the lender holds will show his or her precise position. Every day you will know where your money is. You can also withdraw funds when you need to.

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