Bank Accounts for Bad Credit – 100% Guarantee

How to get a bank account with poor credit rating

Nowadays it is almost impossible to survive without a bank account. Often, for example, employers will not pay earnings by any means other than straight into a bank account, and paying bills in cash is becoming increasingly difficult. However, banks prefer customers who have a good credit rating, and there are said to be over a million people in the UK who are unable to find a bank that will accept them. Poor credit rating bank accounts do exist, though, even if they are not very well advertised. However, it is necessary to know how to find them, and what to ask for.

Bad credit bank accounts

There are specific, purpose-built bank accounts for bad credit. The Financial Conduct Authority (formerly the Financial Services Authority) has tried to ensure that no-one is denied access to banking services, and has encouraged banks to offer accounts for which everyone is eligible. Poor credit bank accounts are called ‘basic bank accounts’, and are designed for people who do not meet the criteria the banks usually set for their customers. There is another category, called ‘guaranteed’ or ‘managed’ bank accounts, for those who might find even a basic bank account hard to get.

What is a basic bank account?

A basic bank account is a simple account which does not allow the holder to overdraw; that is, account holders are not allowed to draw out more than the amount of money which is in the account. Generally, a basic account does not provide a cheque book or credit card. In other ways, it is very much like other bank accounts, but without the features (such as joining bonuses and cashback) that some accounts offer. Basic accounts are often free of charge, although charges will be made if there is not enough in the account to pay a direct debit or standing order. Account holders can get wages, pensions, or benefits paid into a basic account, and use it to pay bills. A cash card makes it possible to withdraw cash from an ATM (cash machine) or a bank branch, or (usually) a Post Office. Basic accounts can generally be operated at branches, by post or telephone, or online.

Why do bank advertisements never mention poor credit score bank accounts?

Because they do not earn overdraft and other fees, basic bank accounts do not make money for the banks, which see them essentially as a public service. For this reason, the banks tend not to waste money on advertising them. Nearly all of the big banks do offer these accounts, however.

Are all basic bank accounts the same?

No, they are not; there is some degree of variation in the type of services offered. Some provide a small ‘buffer zone’, so that it is still possible to get £10 out of a cash machine if the account balance is less than this. Standing orders are not allowed from all basic accounts, and the charges made for unpaid direct debits (when there is not enough money in the account) vary quite considerably. A debit card is a possibility for some basic accounts; they all allow cash withdrawal cards, but some limit their use to cash machines belonging to the bank itself. The minimum age for account holders is 16 for some accounts, 18 for others.

What documents are needed in order to open a basic bank account?

All bank accounts will require proof of identity and address. This is not just the banks’ policy, but is also a legal requirement. The Financial Conduct Authority has acknowledged the difficulties this may cause; people who have a poor credit record may also lack a driving licence, passport, or other official documentation, so the banks have been encouraged by the FCA to accept documents such as a letter from an employer or a hostel manager. For people without many official documents, the ID criteria may therefore be one of the things to look for when choosing which bank they should approach.

Can anyone open a basic bank account?

An important distiction between banks offering these accounts is their attitude towards bankruptcy. Although discharged bankrupts can be accepted for most basic accounts, undischarged bankrupts will find the choice much more limited, but there are several accounts which are specifically suitable for this group. It is also true that anyone with a criminal conviction for fraud is unlikely to be allowed to open a basic bank account.

Do basic bank accounts require a credit check?

Even poor credit rating bank accounts may require checks to be carried out, but there are some accounts which are advertised as not needing them. This could be a useful point of difference for people who are trying to improve their credit score, because every unsuccessful credit check can impact negatively on the score. Guaranteed bank accounts do not require credit checks.

The last resort – guaranteed (managed) bank accounts

As its name suggests, a guaranteed bank account is available to everybody, provided they are over the age of 18 (or sometimes 16) and resident in the UK. No credit checks are involved. However, the range of available services is more limited, and spending has to be done via a prepaid card. There are monthly charges, and fees for some transactions too. The alternative name, ‘managed’ accounts, refers to the fact that the bank will ensure that essential bills are paid first out of the account, which could be useful for people who are having difficulty coping with their finances. People with fraud convictions may be accepted for managed accounts.

How to apply for a basic or guaranteed account

It is best to do plenty of research to find out which account will be most suitable. The application forms to be found in bank branches, or on their websites, are generally for their regular accounts, so should not be used. It may be necessary to ask for a form, making it clear that a basic or guaranteed account is required.

The advantages of opening a bank account

In addition to the convenience of being able to manage payments and income in a current account, a basic account has the extra benefit of starting a relationship with the banking system, which could pay off later. The account holder’s credit score will improve over time, and the bank may be prepared to consider a regular current account in due course.

Facebook: What does Weekly Total Reach actually mean?

Every week Facebook  send through an email titled  “Your weekly Page update”.

But what does “Weekly Total Reach” actually mean?

There can be a lot of mystery surrounding Facebook and the data available to businesses via Facebook insights, so we set out to write a definitive guide to explain exactly what these different values actually mean.

We started to have a browse around the internet using the increasingly popular Duck Duck Go search engine.  If you haven’t searched the internet using these guys before, give it a try!  Their media states that “DuckDuckGo is a search engine with better instant answers, less spam/clutter and real privacy“.

Anyway, back on topic.

We came across a guide already out there titled “Facebook Insights Explained in Plain Engish“.  Ironically the author has spelt English wrong.

That aside, it’s a really informative article and we’re happy to point you in this direction rather than repeat something that has already been written.

I hope you will find it useful.

Is technology taking the place of family time on holiday?

Using technology on holiday is distracting kids from quality family time, new research commissioned by Villa Plus has revealed, and one in ten parents don’t seem to mind!

Parents surveyed in the recent poll have revealed technology dominates their children’s holidays, despite the cost of breaks often running into the thousands.

Over a third of respondents who’ve been on holiday with children said their kids usually used smartphones on holiday, 27 per cent stated they used games consoles and 22 per cent said their children used tablets.

Teenagers aged between 15 and 18 are particularly devoted technology users, the data shows; 62 per cent of parents with kids in this age group revealed they use a smartphone while on holiday.

When asked how much time their kids spent using technology on their last holiday, 15 per cent of parents with children aged 18 or under said, on average, their children used the technology for three hours or more every day, which is more than 24 hours over a ten-day break!

In fact, more than one in ten (13%) said that they were happy for their children to use IT devices as much as they wanted on their last family holiday.

Simon Lifford, head of sales and UK operations at Villa Plus, said it is understandable parents may be concerned about how much time their kids spend using tech on holiday, but there are steps they can take to encourage their children to switch off and join in with family activities.

“For some families, discouraging children from using games consoles, smartphones and the like too often is an important concern while on holiday, and I can see why families who have spent any amount on getting away may be disappointed that their children wish to do so,” he said.

“However, staying in an inspiring space with plenty of room to enjoy family activities is sure to make it easier to give children other ways to fill their time. Villa accommodation typically includes a private pool, BBQ and pool table, so kids may not feel they want to use their gadgets as often as they would when confined to a single hotel room.”

The reasons why parents were happy for their kids to use technology while on holiday seemed to depend on the age of their children.

Sixty-three per cent of respondents said the main reason their kids used IT devices while on holiday was for entertainment. This figure rose to 73 per cent for parents with children aged between ten and 14.

For many parents, the educational benefits of technology were too great to ignore even on holiday. One in five parents with children aged under four said their kids used tech for educational purposes; this figure was slightly lower for youngsters aged between five and nine (15 per cent).

If you’re struggling to find ways to get your kids to put down their technology on your family holiday, Villa Plus have put together a handy Holiday Games Guide, available online as a downloadable PDF, to make the job that much easier.

The Blackpool Tower

Blackpool Tower Competition

Wow! Have we got a competition for you!

Answer the following question and you will be entered into the prize draw to win complimentary tickets for four to attractions at The Blackpool Tower:

The Blackpool Tower was inspired by which other famous landmark?

A) The Great Wall of China
B) Eiffel Tower in Paris
C) Leaning Tower of Pisa

Email you answer; A,B or C to competition@madmums.com
Remember to include your Full Name, Address and Email address.

You get the same admission benefits of “The BIG Ticket

The tickets will give you free admission to all 7 attractions:
- The Blackpool Tower Eye
- The Blackpool Tower Circus
- The Blackpool Tower Ballroom
- Jungle Jim’s at The Blackpool Tower
- The Blackpool Tower Dungeon
- Madame Tussauds Blackpool
- Sealife Blackpool

Pay on the day price for The Big Ticket for one adult is £90.20 so you could be on your way to a marvellous day out for the family with only your spending money to find. Redeem at the attraction which you wish to visit first. You then have 90 days to visit all 7 attractions.

Perfect if you are planning to go to Blackpool for a Day Trip, Weekend or longer and remember, the Blackpool Illuminations are on until 10th November so what a great chance to combine this with your visit.

Terms & Conditions
The winner will receive tickets that will admit four people free of charge to all seven Blackpool Attractions. This offer cannot be used with any other offer, promotion or voucher. The ticket has no cash value and is non-refundable and non-exchangeable. Photocopies are not accepted. The Blackpool Tower reserve the right to alter, close or remove details/exhibits without prior notice for technical, operational or other reasons and that no refunds can be given in these circumstances. Children must be accompanied by an adult. The Blackpool Tower reserves the right to refuse entry without explanation. Tickets valid to until 31st July 2014.
The winner will be drawn at random and the editor’s decision is final. Competition closing date is 21st October 2013.

Baby Shower Tips from Before Baby

- If mum-to-be is lucky enough to have everything they need, or it’s their second/third time around, scrap the gift list and instead of presents, encourage guests to bring essentials such as nappies and wipes, or even spread the love and donate to a charity or good cause on your behalf like Kim Kardashian.

- Looking for a fun way to announce the sex of baby? Why not get friends and family together to guess the sex and then announce it with a gender reveal cake (which has pink or blue coloured sponge when cut to reflect baby’s gender)

- Try including games and creative activities: it doesn’t all have to be about bottle drinking races and dirty nappy forfeits (although they are great fun!) – get nearest and dearest together to create a scrapbook of motherly advice, or design personalised babygros – they’ll be lovely, useful keepsakes and give guests a chance to interact.

- Use the shower as an excuse for some well-deserved pregnancy pampering…make mummy to be and guests feel yummy with some spa treatments with manicures, pedicures or massages.

- Does mum-to-be have a favourite alcoholic tipple? Mix your own non alcoholic cocktails or shots to give mum a taste of what she’s been missing, or better still for a giggle, find out what mum’s been craving and invite everyone to have a taste!

- Say thank you – guests may bring gifts, whether mum to be has requested them or not (just because they want to!) so be prepared to say thank you with a token favour gift or thank you cards

- Keep it short and sweet. Don’t overload on games (quality is better than quantity) – three hours is more than enough time for chatting, opening presents, games and nibbles.

- Don’t forget mum to be! It’s not all about baby so when buying presents think pampering goodies, massages, even champagne to toast the new arrival-these will be much appreciated post-pregnancy indulgences.

- Don’t leave it too late! You don’t want mum to miss her baby shower because she’s in labour or because little one’s already arrived, so plan to hold your party at least 6-8 weeks before her due date.

A bit about our company, Before Baby

We specialize in tasteful British baby showers using quality decorations with the all-important personalised touches to make mum to be feel special. We offer a variety of theme packages from funfair theme Girls Playground enjoyed by Stacey Solomon, a girly pink package enjoyed by Michelle Heaton, and a neutral pick and mix cookie buffet package with spa treatments recently enjoyed by Imogen Thomas. Our unique service has been featured in the Daily Mail, The Sun, Pregnancy and Birth Magazine, Gurgle and more.All packages include a hostess to run games, party favours, room decoration and cupcakes, and parties can be held at home or work or venue of their choice – we cover London and much of Essex and Kent.

We’re currently running a special deal for the Royal Baby Shower which is a hugely discounted deal, in case any mums to be want the “royal treatment” themselves, and we’d love for this to be mentioned if possible!

View it online at:
http://www.beforebaby.co.uk/baby_shower_cat.php?id=24
Before Baby Ltd
info@beforebaby.co.uk
0207 183 6756
www.beforebaby.co.uk
www.beforebabyboutique.co.uk
twitter.com/beforebaby

How does our maternity pay compare?

One thing is certain about the new royal baby – the Duchess of Cambridge is unlikely to be worried about her entitlement to maternity leave and pay.

However, for many mums, maternity pay is a real cause for concern. It can spell a drop in income for many, which can put a serious strain on their finances. In Britain, Statutory Maternity Pay means expectant mums can get:

  • 90% of their average weekly earnings before tax for the first six weeks
  • 90% of their average weekly earnings or £136.78 (whichever is lower) for the next 33 weeks

Have a look at the infographic below, provided by DebtAdvisoryCentre.co.uk, to see how this compares with maternity benefits in the rest of the world.

And remember, maternity leave is meant to be a time for excitement (and maybe a bit of nervousness!). If you’re having problems with your finances, it’s important to seek help as soon as you can – there are qualified experts who can help you find a solution that’s right for your needs.

Maternity Benefits Around the World – created by Debt Advisory Centre

Healthy, Happy and Ready: How to Prepare for Pregnancy

Preparing for the birth of a child starts before you get pregnant. If you want a healthy baby (and a body that bounces back after birth) you have to be willing to put in the work. Here are a few steps to point you in the right direction:

Talk to Your Doctor

As soon as you know you want to have a baby, talk to your doctor. According to WomensHealth.gov, preconception health is as vital to your baby’s health after birth as the habits you form during pregnancy. Ask your doctor about nutrition, medication and other habits that affect the health of a child early in pregnancy. Questions could include:

  • Is my age an issue?
  • Which vitamins should I be taking?
  • Are there any over-the-counter medications I should avoid?
  • Are there any foods I should avoid?
  • How does smoking, alcohol and drug use affect fertility?
  • Will the birth control methods I used in the past influence how long it takes me to conceive?

Kick Bad Habits

Quit smoking and avoid heavy drinking when you’re trying to conceive, and ask your partner to do the same. Alcohol can affect fertility in both men and women, according to MayoClinic.com. It can temporarily reduce sperm quality, which can decrease your chances of conception. If you (or your partner) are struggling to quit, get help. Contact your doctor or a local treatment center.

Exercise Regularly

Women who regularly exercise before and during pregnancy are more likely to have an easier labor than women who aren’t as active, according to WomensHealth.gov. Get into healthy routines ahead of time. Gradually develop a workout that you can continue through pregnancy, such as swimming, yoga, brisk walking or cycling.

Plan Ahead

Do you or your partner have any lifestyle or health risks that could affect your baby? Do you have any big plans coming up that could be affected if you were to get pregnant right away? Each month before you ovulate, think about what would need to happen if you were to get pregnant this time. Use a pregnancy due date calculator to estimate the date your baby would arrive, then consider holidays, work obligations, climate factors, common sicknesses and other commitments you usually face around that season. Is there anything you’d need to change?

Rest and Relax

Stress hormones wreak havoc on your body, especially when you’re pregnant or planning to conceive. Reduce the stress in your life by taking measures to relax your body and mind.

Listening to music is a way to relax your mind. Music has an impact on your mood and a cheerful tune can make you feel happy and stress free. Add to the relaxing impact of the music by dancing. The exercise will help reduce the stress hormones while the music lifts your mood.

Or consider giving yourself a facial. According to Women’s Day, women carry tension in the chin and face. A facial allows you to relax and pamper yourself, while applying a moisturizer will relax away the tension when you give yourself a gentle facial massage.

Learn Your Cycles

Part of preparing for a healthy pregnancy is knowing your body. The average woman’s cycle lasts 28 days, though its normal to range from 21 to 35 days, according to Web MD. In a 28-day cycle, most women ovulate on day 14. When you’re trying to conceive, your most fertile days are two to three days before ovulation and 12 to 24 hours after.

Win A Grand For Your Garden

This month, MyBuilder.com is giving one lucky family the chance to win £1000 towards a garden makeover. Spring has sprung but for some unlucky home owners their garden is a living nightmare!

It seems that a lot of people could do with a helping hand in the garden, in less than a week over one hundred people have entered and thousands have voted for their favourites. From Aberdeen to Plymouth, families are giving us their stories of garden woe which range from health issues to money worries.

Take Jackie of Shropshire, who would love to have a beautiful garden but just can’t manage to save enough money to fulfill her dreams.”Every time we have managed to save a bit towards doing the garden something has happened”, Jackie says, “the car broke down, then the washing machine and then I lost my part time job!”

 

Is your garden in need of attention? For your chance to win, all you have to do is visit the link below and upload a photo of your garden telling us why you deserve to win a grand.

www.mybuilder.com/competitions/grand-for-your-garden/

MyBuilder.com – the better way to find a tradesman

 

 

toobigforthat

TooBigForThat

Welcome to the TooBigForThat Towers!

Here we provide two services… and we want to tell you how things are done around here.

SELL
Our Aim is to Turn your Clutter into Cash (the hassle free way)

Request a TBFT bag at www.toobigforthat.com/sell.php
Stuff it full with as-good-as-new, high-end kids clothes – Please please p-l-e-a-s-e take time to look at our quality checklist see what we accept.
Return it free of charge to the TBFT towers.
Sit back and relax while the money rolls into your account as soon as your items are bought in the TBFT shop.

How do we price our items?
Our team of professional buyers will go through each bag and evaluate our ability to resell. Once the item has been added to the TBFT shop, we pay up to 45% of resale value. Items in the lower price range will earn closer to 15%, while higher priced items will earn closer to 45%. Items that are so new they still have their tags will earn even more!

BUY
We have a shop! www.toobigforthat.com offers gorgeous like-new kid’s clothes at a hugely discounted price. Think Moncler puffers, one-off Burberry skirts, Petit Bateau shirts, Ralph Lauren rompers and Little White Company dresses… we’re sure you get the picture! Check in regularly for offers we don’t think you’ll find anywhere else.

To celebrate the launch of TooBigForThat we’d like to offer you a 10% discount on all purchases until the end of May. Enter Discount COde LAUNCH13 at checkout to get your discount… let the shopping spree begin!

Why choose TBFT?
Our goal is to enable busy families to sell items and get money back in a completely hassle-free way.That means we take care of everything – paying to receive clothes from the seller, marketing & advertising to ensure the highest prices are achieved, sorting & taking photos of all the clothing, and all the admin involved in sending purchases out to the buyer.

Vertbaudet

In the wrong shoes: Children at risk from deformity

A child’s first pair of shoes are the most important ones they’ll ever wear.

Parents may be putting their children’s health at risk by not providing them  with the correct footwear, says the children’s clothing specialist, Vertbaudet.

While we all know wearing ill-fitting shoes can be uncomfortable on a
day-to-day basis, causing blisters, ingrown toe nails and sores on children’s feet, there are even more serious side effects to simply wearing a badly fitting shoe. Over time, foot deformities can develop, along with knee and even  posture problems.

Feet are designed to take body weight and give mobility essential to quality of life. Whilst vast amounts of money is spent on educating people to look after themselves nutritionally and physically, little effort is made to educate them on the importance of foot-health, and their child’s.

Children’s feet aren’t fully-formed until they reach their late teens; their bones are still changing and developing, therefore it is a crucial time to nurture the growth process.

According to children’s clothing specialist, Vertbaudet, who are working hard to raise awareness of this issue, Children’s shoes need to be designed to support the arches and back of the feet, they should have sturdy soles and be made  from robust materials for even more support.

Many mothers find it difficult to choose the right shoes for their children, since not only the size but also the shape of the foot needs to be taken into account. It is vital to ensure shoes are fitted by a trained professional to safeguard against ill-fitting shoes that can cause long lasting damage to a child’s feet. The children’s clothing specialist works with an in-house Podiatrist and shoe
designer, to ensure every detail of comfort and support is taken into consideration when developing shoe designs.

“Children’s shoes need to have a good counter that is rigid enough to support the rear of the child’s foot. This will give the child vertical and dynamic balance. And the soles, which should offer an integrated arch system, also reinforce this balance and increase both the static and dynamic stepping of the child.” Philippe Pelligand, Podiatrist

Choosing the correct footwear for your child really is a priority for mother and baby, and for the child’s future development.

An insightful video full of tips and information can be found at
http://www.vertbaudet.co.uk/page/shoes-video.htm