Sunday, 18 February 2018

Fun At The Festival


I love a good day at the races and try my best to get to at least one race day every year and even throw a cheeky bet in here and there. Admittedly, I only ever attend York or Beverley as they are the closest to where I live but I fancy broadening my horizons a bit more and heading a bit more further afield so I had a good old nosey on Google and came across a betting website - bettingtop10.com/ie and I was surprised by how different it was compared to other betting sites. Usually with the bigger known sites, you have your basic betting 101 which is you pick a horse, throw your money on it and hope for the best. But with this one, it also provides all sorts of news regardless of which sport you are betting on and also mentions events that are happening at certain places throughout the year and that's when I found out about The Cheltenham Festival.

Pic credit - cheltenhamfestival.net
According to the website, The Cheltenham Festival is a four day national racing competition where the best of the best from the UK & Ireland come together to compete in 28 races so that pretty much works out to 7 races each day. It starts alot earlier than most racing competitions which usually start in the peak of summer (this one starts on March) and takes place at Prestbury Park. Additionally from what I've read, this festival is a big deal and is the biggest highlights of many Jockeys calendars. 

I've had alot of people ask me what I enjoy so much about going to the races, with alot assuming it's just because it's a good excuse to get dressed up to the nines and drink cava from the bottle but that's not what the races are about for me. It's such an enjoyable day out and even if you don't know the first thing about betting or prefer to keep your money in your purse/wallet, there is no rule that says you must put a bet on if you go. You can simply stand and watch the horses hurtle past with the crowds screaming for the favourite to come in. It's also a fantastic day out for children too with lots of courses accomodating families in areas that make sure they can see all the action but are kept at a safe distance.

Pic credit - bet-share.co.uk

Having done alot of research on the Cheltenham course and the festival itself, I'm actually considering putting it into my calendar as a strong contender for next years racing festivities. Unfortunately with it being so close to march and currently renovating two rooms in my house, it's just not an option but I love the look of this course and I would love to experience the festival in all it's glory and who knows, for once I might actually win more than £20! - Well, fingers crossed.


Tuesday, 16 January 2018

Top Tips for Keeping your Child Safe on Social Media


If your child has a phone then you will understand how much stuff they can access on the internet. 
You will also understand that so many kids are now using social media in an attempt to connect with 
others. Social media certainly has its benefits and it is a great way for your child to chat with their 
classmates out of school hours. The problem is that children can now share more information than 
ever on social media, and sometimes it is encouraged. For this reason, you need to do everything you 
can to protect your child when they are on social media.
Educate Yourself
If you want to protect your child on social media then it helps to learn how the platform works yourself. 
You’ll want to be aware of the different social media sites that your children are using and it also helps 
to familiarise yourself with the various platforms that are available. Try and create your own account 
and use some of the apps yourself to find out how they work. There is a huge difference between 
sites such as Snapchat and Tumblr, and by knowing the differences, you can then understand some 
of the risks that are commonly involved with them.



Age Limit
If you don’t let your children use social media then it helps to work with them so that you can establish
an age where they can. If a child feels as though it is never going to happen then there is a high 
chance that they will go on to set up their own profile in secret. Keep in mind that most social media 
sites ask for people to be aged 13 or over when signing up, and this is because there are various acts 
in place that prevent information being gathered of those who are under the age of 13. Social media 
is ideal if your child is shy or if they have a problem socialising because it gives them the chance to 
chat with other people without having to do it face to face. This opens up new doors for them and it 
can even help them to make new friends as well, but if they are under the age of 13 then they should 
not have a social media account.


Phone Usage and Social Media
If you have a computer then you can easily place your computer in a common area in the home. 
This gives you the chance to monitor how much they are using the social media platforms that are 
available. The problem is that if they have a phone then there is no telling how much they are using it. 
A safe app for children’s entertainment is the best way for you to go here as it means that they can 
access a huge range of chat rooms and even games without you having to worry about whether or 
not the app is safe.
Apps like this can be downloaded on a huge range of phones, so you won’t have any problems when 
the time does come for you to get started.

Tuesday, 18 July 2017

: How A Short-term Loan Could Help You Pay For An Unexpected Wedding Abroad


In an ideal world, you will have saved up a lot of money in either a savings account or an emergency funds account that you have custom made with an in depth meeting with your bank. However the economy is always fluctuating, and somewhere down the line, something unexpected is going to happen in your life. Financially, the majority people don’t ever really feel like they have enough savings. Even more, people don’t feel as if they have a safe cushion to fall back on when they need a quick cash injection. The broad answer would be to use credit cards, as they are an immediate source of funds, however, they carry with them a disagreeable long-term penalty if the strict payment program is not adhered to. This is especially relevant when an unexpected event like a holiday comes up, and you don’t have the needed funds. This type of situation calls for a short-term personal loan or perhaps better termed a ‘holiday loan’. This might be the better option for you as there are many different uses for such a money product and different ways in which you could get the full potential out of it during your trip.

Credit - Steven R. Doty

Why a short-term loan?

With so many products and services, banks offer that can give you the freedom you need to save how much you want to and be given a reliably fixed interest rate. However, this is only available for long-term savings accounts, which require certain rules to be adhered to by the holder. With a little financial savviness, you’ll start to notice what the best route for your lifestyle will be. Of course, the next step would be to take out a credit card which has a set balance, and when used, immediately starts the clock for when repayments must be made, with interest.

None of these options are effective immediately, but with flexible long-term plans, with a reasonable schedule for when you can pay the money back to the bank or loan company. A short-term loan is more of a product, than it is a service such as the short-term plans, so a company treats you like a client rather than someone as part of a herd. Therefore, you short-term loan can be increased, the interest rate is flexible, and the repayment schedule can be prolonged if that’s what you wish. This kind of loan gives you a short-term cash boost but has the properties of a medium sized loan with flexible repayments.

Ease of attainment

Short-term loans are designed around loosely-based financial certainty of the applicant. This means that the overwhelming majority of people applying need only supply a brief amount of detail to the loan company. The immediate approval rate is very high making it easy to apply and attain. As they are only a short-term prospect, the APR rate is going to be high, but the instalments and repayments schedules are going to be flexible.

Shape the amount  

If you’ve been called out to attend an important wedding abroad, but you far from have the funds needed to go on the trip, along with book the hotel and pay for local services such as public transport, a short-term loan is a great saviour. There are many bad credit loans, which you can define the amount you need beforehand. If you plan out your journey, and then estimate the overall expenditure of the entire trip, you can shape the amount you need, as well as select the length of time you wish to hold the loan and therefore, the interest rate will acclimatise to that schedule. Unlike credit cards that become more uncertain if you don’t pay back the required balance each month, short-term loans allow you to plan, so you don’t run into this kind of trouble, giving you more control.

Image by - Jorge Royan