A credit card allows you to borrow money from a credit provider without having to give any upfront security. Banks and building societies are the first place most people will go to for a credit card, but there are many supermarkets, airlines and stand-alone credit card companies that issue credit cards. You need to be 18 or older to apply for a credit card and the issuing party will request basic information from you to submit with the application. Just like with any other loan application, there’s no guarantee that the application will be approved.
The information that you provide and your credit score will determine your credit limit, which is the maximum amount you can borrow. Your credit card balance can never be more than this amount at any one point.
When you make a purchase with a credit card, the card issuer will make the initial payment to the retailer. The card issuer will then send you a statement once a month that includes a breakdown of the payments during the billing cycle and the total amount you owe.
There is a minimum required amount you have to pay back every billing cycle, which is a percentage of the outstanding balance. But to keep fees and interest low, it’s best to pay off the balance in full every period.
A wide range of credit cards exists on the market, including cashback cards, balance transfer cards and reward cards. The right card for you will often depend on your lifestyle and your financial goals.
In 2016 there were 32.3 million credit cards and 51.1 debit cards in the UK.
The average credit card purchase was £53.55, debit card payment £38.43 and contactless transaction £9.40.
You need to scroll down to see all the info in this popup – sorry for going on so much!
People tend to believe that each individual is different and unique in their own way. While that may be true to an extent, it’s not entirely accurate.
It’s certainly not helpful when firms are trying to recruit people ‘of a certain type’.
When it comes to personality types, there are tests that categorise people into one of a few groups that describe their characteristics.
The ‘Big Five’ personality traits characteristics are :
Easily remembered as OCEAN. You can find out what type of person you are by taking a free test here. It’s from Truity and doesn’t need an email or login.
• A third of Britons who go abroad return to the same resort every year
• The average UK holidaymaker has been to the same place four times
• More than one in ten return to the same holiday spot ten or more times – and many even try to book the same hotel room.
• More than a third, 34 per cent, go to the same restaurant they ate at on their last trip, and more than a quarter, 26 per cent, don’t even bother trying to find new drinking locations
• Some 59 per cent of us go on the same holiday in successive years
• McDonalds and KFC are worldwide brands and people in a foreign city can always head to a McDonalds and KFC because you only need to point at the picture and with 3 fingers held up means you want 3 – language barrier overcome. No slight embarrassment not knowing the menu or protocol.
• Many go back because it is the easy option.
Years ago we had seasonal fruit, but not now. Strawberries were April to August – now it’s January to November under poly-tunnel. How can a plant produce so much fruit??? Artificial feeding. How can they be so big? Artificial feeding. How can they look so pristine with not a mark on them? Artificial feeding and pesticides to keep the insects off. But because they are grown in artificial circumstances they can attract new types of diseases so chemicals are added to stop those diseases taking off. But, is there an alternative? Yes buy organic fruit and veg – at least there is an element of inspection and testing.
What is becoming scarier than processed food is fresh food. The farmers and scientists and government are now on a mission to feed the increasing population, HOW? Well, producing fresh food that we can grow quicker, faster, bigger, disease free and more aesthetically pleasing to the eye. But all these things come at a price.
The chemicals that farmers and growers put on the land to grow super-fast produce mean that the feed is so powerful it can double the growth and size in half the time. The pesticides they put on the plants kills everything and anything that lives on a plant, just so we don’t have a marked apple on the shelf. We do need chemicals to stop some diseases on fruit and veg but the chemicals on fruit and veg today go much further. This article in the Daily Mail on 1st November 2018 said;
On average, new research has found, a supermarket potato will have been doused with an astonishing 30 active ingredients (an active ingredient is the part of a substance or compound that produces its chemical or biological effect). Compare that to 40 years ago — when a potato would have been treated with just 5.3 active ingredients — and you start to see how mind-bogglingly dependent farming in Britain today is on chemicals.
Well years ago it was. When animals could go into the fields and eat grass and get normal supplements to keep them fit and healthy. But then big business wanted more and started to produce feeds like rocket fuel, the sort of food body builders eat to accelerate muscle and weight. Can you blame them? Not really. If someone says; “Hey, here’s a food that will treble the size of your animal in half the time, which means you get it to market faster and it’s cheaper to feed, so less cost and more profit.” Who wouldn’t?
But then you look at what they feed the animals and think it just doesn’t pass straight through the animal and out the other side – it is absorbed into the flesh. And then humans eat it. But, what’s the alternative? Locally produced, farm and grass reared, local butcher sold meats. Organic, just to add a bit of assurance nothing has been used on the land.
Ever wondered where the old out of date bread goes when it comes off the supermarket shelves? Well it goes to a special company and it is all ground together into a giant mincing machine and ground up into crumbs. This includes the coloured branded plastic bag it came in and the tag on the end. As bread is yeast based it requires further chemicals to stop another fermentation process taking place.
It is then sold to farmers for winter feed to cows who eat the crumbs and plastic bag and tag. We then milk the cow or eat the beef. Just to remind you cows stomachs may be big but they are not designed to eat colour printed plastic. Yet again another Food Standards Agency and Agricultural Agency getting together to provide winter feed at a cheap cost with no regard for the cow or the consumer. But what’s the alternative – organic milk. Aldi, Co-op and Sainsbury sell organic milk very competitively.
So what do we know, well firstly fish living together in huge pens in huge quantities attract disease. They also, in the case of salmon, lose their colour, so scientists created a food that has colour built in and contains chemicals that kill the fish lice and then we eat it. Take a look on YouTube at the investigations and make your own mind up.
The biggest fish farms in the world are now in the Baltic Sea. They farm pollock, haddock and cod and we also know the Baltic Sea is one of the most polluted seas on the globe. But, what is the alternative – fish caught in the open ocean.
Shellfish is a popular product in the UK but most prawns come from Thailand, Vietnam and South America. All are farmed. But, what’s the alternative – organic and ocean caught never farmed.
This recent documentary opens your eyes to fish farming and the issues they have – click here.
It’s not just eating the right food or drinking the right amount of water – it’s about when we do this. In the UK we eat as fuel and don’t eat for pleasure. We often push food down our throats as fast as we can – often late in the evening just before we go to bed!! There is an old saying breakfast like a king, lunch like a queen, dinner like a prince and supper like a pauper. Eating during the day gives our bodies the chance to work off the fuel we have put into our bodies. Many people have such busy days they don’t get time to eat during the day. If you’re that busy your body needs fuel so snack every hour or two if you cannot give up the time at lunch to eat. Little and often is recommended rather than a big meal at the end of the day.
We are creating a new type of member – the YouDriver.
YouDrivers will be able to build their own health dashboard – they will take health questionnaires to see how healthy they are, they will look at all aspects of their health and understand exactly what matters to them.
They will go on a journey to decide which health areas they want to work on, how they want to tackle these and then they will be able to build their own action plans.
We’re also inviting more people to get involved – whether by contributing their own views or by offering support to our site visitors.