Peter Ward

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Articles

Does Renters Insurance Cover Hurricane Damage?

Oct 11, 2024 | usnews.com | Peter Ward |Alexandra Wilson

Key Takeaways: While renters insurance usually covers hurricane damage, it typically does not pay for flood damage caused by a hurricane. Renters insurance includes loss of use coverage if you’re forced to move out due to a hurricane and the resulting damage. Policies vary greatly so it’s crucial to check the small print and understand what is and isn’t covered. Renters insurance is not a legal requirement, but many landlords prefer that their tenants have coverage.
Late Payments: How Small Businesses Can Deal With Unpaid Invoices

Sep 12, 2024 | usnews.com | Peter Ward |Alexandra Wilson

Running a small business is a tough enough prospect without the added – and sadly inevitable – stress of chasing down unpaid invoices. Not only does this take time and effort, but it can also affect a business's cash flow and jeopardise its future. A 2023 survey by Payit, NatWest’s payment solution, revealed that 27% of small and medium-sized businesses in the UK admitted to being owed between £5,000 and £20,000 in unpaid invoices, highlighting the extent of the problem.
Average Life Expectancy in the United Kingdom

Aug 27, 2024 | usnews.com | Peter Ward |Alexandra Wilson

Many factors affect life expectancy. Some are entirely out of our control, but we can alter others to improve our chances of living longer. Some of these factors provoke intense political debate, as they underline the inequalities in the UK. Socioeconomic Inequalities A direct correlation exists between an area's socioeconomic status and the life expectancy of its residents. The life expectancy of those living in more deprived areas is significantly lower than those living in less deprived areas.
The Average Savings by Age in the UK

Aug 6, 2024 | usnews.com | Peter Ward |Alexandra Wilson

The number at the bottom of savings account bank statements is a constant source of anxiety for most, no matter their age or profession. Savings can be used for big-money purchases or simply as a buffer to ensure you can pay your bills should an unexpected setback occur, such as losing your job. According to the latest research, the average person in the UK will have £11,185 in savings in 2024. However, that number varies considerably based on age and other factors.
How To Invest In Property in the UK

Jul 30, 2024 | usnews.com | Peter Ward |Alexandra Wilson

Property is one of the most popular forms of investment because the long-term returns are reasonably assured. Whether you live in a property or rent it out, all historic indications suggest its value will rise over a long enough period. In 2003, the average house price in the UK was £167,716. Last year, the average price was £268,489. There are multiple ways to invest in property.
What Is APR?

Jul 25, 2024 | usnews.com | Peter Ward |Alexandra Wilson

The term annual percentage rate (APR) will be familiar to anyone who has applied for a credit card, mortgage or personal loan. APR is a key figure in applying for any of these financial services, and it's crucial that consumers fully understand its purpose. In the simplest terms, APR is the cost of borrowing money over a year. This includes the standard fees and the interest rates you’ll pay on that loan. However, like with most financial jargon, it’s not quite that easy to understand.
What Is an Overdraft

Jul 24, 2024 | usnews.com | Peter Ward |Alexandra Wilson

At some point in our lives, most of us have seen our bank accounts dwindle to the point where we slip into overdrafts. But what exactly does that mean? Being overdrawn means you’ve spent more money than you hold in your bank account, and it can quickly become expensive. There are different types of overdrafts, and some are more expensive than others. Sometimes, using an overdraft can be beneficial, but keeping your account overdrawn for too long is generally inadvisable.
What Is Broadband and How Does It Work?

Jun 3, 2024 | usnews.com | Peter Ward |Alexandra Wilson |Brianne Garrett

Many ISPs will provide a free landline with their broadband offering, but you don’t have to use it. Others will charge you extra to have a landline number, so this will increase your monthly bills. Most major ISPs have at least one offering that does not include a landline number. Fibre broadband connections still use the old landline copper wiring to bring internet to your home, but full-fibre does not.
What Is a SIM-Free Mobile Phone?

Jun 3, 2024 | usnews.com | Peter Ward |Alexandra Wilson |Brianne Garrett

The easiest way to check is to insert a SIM card and see if it works. After inserting the SIM card, you may be asked to enter a SIM unlock code. If that’s the case, the phone is locked to the original network from which it was purchased. If you’re not asked for an unlock code, try placing a call. If the call works, the phone is unlocked, and you can continue using it. The phone is likely still locked if you can’t make calls or send messages.
How To Recycle Old Mobile Phones

May 22, 2024 | usnews.com | Peter Ward |Alexandra Wilson |Brianne Garrett

As much as we try to avoid it, there comes a time when our mobile phone needs to be replaced. When that inevitable point is reached—it’s too slow, broken or outdated—what’s the best way to dispose of an old device? As with all electronics, you should never throw them in your regular bin, and most recycling trucks will not take them as part of their side-of-the-road pickup services.