Loan


A Brief Guide to UK Loans

Payday loans are designed to bridge the gap when borrowers run out of money before getting paid at the end of the month.

The option of getting money fast – hundreds of pounds in as little as five minutes – is very convenient for some people. However, if you’re looking for quick and easy cash to tide you over, be fully aware of the extortionate costs and damage a payday loan can do to your credit rating before making any hasty decisions!

Payday loans cost more in interest than any other type of loan product...
When I was in debt, I had four types of loans that I was managing – and at times struggling to manage!

In this post, you’ll find an overview of the types of loans available here in the UK and what the main differences are between them, including which ones that can help you out financially or those that could get you into financial trouble really fast.

Personal loan

Also called an unsecured loan, a personal loan is money that a bank or lending is willing to let you borrow that won’t be secured against your home or any other asset...
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Imprest Balance

Imprest Balance Definition

An imprest balance, or petty cash balance, is a form of loans or advances allocated for specific purposes and replenished based on the expenditures...
This is also called a petty cash fund that is usually restored to its original amount at the end of each financial year...
The bank’s petty cash fund must be replenished periodically to ensure the sum’s availability in case of necessity...


mprest Account

An Imprest Checking Account is a type of account created specifically to ensure a constant flow of cash to reimburse minor or incidental expenditures...


As a rule, the petty cash is given to employees in petty cash envelopes to ensure its safety and accountability...
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What Are the Best CD Rates Today?

After five years, all of your CDs have five-year terms and a more favorable interest rate, but you’ll still be able to access part of your cash since one will mature every year.

CD Barbells and Bullets

CD barbells and bullets require a bit more awareness of the interest-rate climate to be as effective as possible.

With a CD barbell, you invest in a short-term and a long-term CD at the same time...
Whichever way you go, you’ll have the same access to your cash...
Simply input your desired term and minimum deposit to find some of the best CD rates available.

How Can I Maximize My CD Interest Rates?

While CD rates are low, there are a few investment strategies you can use to boost your return, with the added bonus of creating more chances to access your money penalty-free.

CD Laddering

Laddering, the most popular CD investing strategy, helps you enjoy a higher interest rate while maintaining access to at least some of your cash — making a CD ladder a candidate for part of your emergency fund...
You’re guaranteed to get your deposit back, plus the specified APY, which you know in advance.

  • Ease of use: You can easily open a CD yourself, without the assistance of a financial adviser...
    You can usually only do this once, or possibly twice during a longer term.
  • Liquid/no-penalty CD: If you’re a commitment-phobe, a liquid or no- penalty CD lets you take your cash, plus interest earned, and run before your term is up...
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    Checking Account Offers

    If you have a good cash flow, consider the accounts that allow for unlimited transactions

  • Try to find the highest interest rates and search the best checking account offers
  • Make sure you are comfortable with all the bank’s terms and conditions
  • Best Checking Account Promotions

    To get a new clientele, many banks offer checking account promotions available for those opening an account with them...
    Because checking accounts are becoming increasingly popular these days, many banks offer one of the fastest and most convenient ways to open a checking account...
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    Merchant Services



    Authorize.net is a popular merchant services provider that processes electronic payments and works really fast and secure...
    This means that you will only receive your money after a certain period and this may limit your cash flow...
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    The Imprest Stock System That Doesn’t Ruin Your Business



    Prediction of the Imprest Stock Balance

    Due to the fact that companies produce their annual budget long in advance (at least in a month), there is a need to predict the imprest stock balance for both raw materials and ready-to-go products at the beginning of the year...
    London, UK, all the actions are coordinated between the UK manufacturer and the US buyer in advance, and it is almost impossible to add this or that item to the cargo and you will have to wait until the next shipment...


    How to Reduce Delivery Costs?

    The imprest stock system allows you not only to keep your items and cash flow balanced, but also reduce delivery costs...
    All this is done to ensure a balance between the cash flow and the amount of stock and to maintain effective functioning of the company...
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