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Digital Currency - Cashless Society and Future of Money

  What can replace cash? Due to lots of innovation in this 21st century, nothing seems impossible around the globe. Reality is in front of us, as money will strip off its tangibility and cryptocurrency will appear out as individual units for virtual exchange. This requirement can be fulfilled with the help of Internet, iPhone or any Android-Gadget. Cashless transactions are practiced globally. Various countries like India, Sweden, and Belgium etc... have taken a back step from paper currency. Sweden has an objective to become the first country in terms of cashless economy. Two years ago, demonetization took place in India and most of the population in Belgium does their payment through cards or mobile phone apps. Even, there is a creation of law to limit the cash transactions up to a certain amount. The capability of digital currency Exchange There is a great opportunity for everyone to invest in tokens. The waves related to Cryptocurrency may give an allowance to receive the tokens w

How to choose a mortgage provider?

If you're planning a move to Bedfordshire, but aren't sure how to choose the right mortgage provider, look no further! Here are some top tips on how to choose reliable, trustworthy mortgages in Bedfordshire that will take the time to find the right deal for your individual needs.

Firstly and perhaps most importantly, you need to have a strong understanding of how the mortgage market works. Do you know the difference between a fixed and variable-rate mortgage deals? Do you know your mortgage brokers from your mortgage lenders? Do you even know the size of the deposit you'll need for the mortgage you want? You need to know all this and more before you can even start looking at potential mortgage providers. Otherwise, you run the risk of being duped into signing on the dotted line for a deal you don't really want.

Now, you can begin making a shortlist of providers operating in Bedfordshire. Once you've got a list of six or seven, start comparing them against these criteria.

Does the lender offer rates akin to the market average?

If a lender's rates are much higher or lower than the market average, you should be asking why. To find out the average rates, do a quick internet search and ask around. Your friends or family already living in a mortgaged property should have a good idea about what the rates are doing currently.

Does the lender understand you and your situation?

Although it may not seem this way, the relationship between you and your mortgage lender is a very personal one. You need to find someone you can trust; a lender which you feel understands your situation and what you want out of a mortgage. As the experts say, it needs to be a process based on partnership - not based on two separate parties aiming for two different goals. If you feel the lender has been too pushy with its products, rather than trying to find out what you need to fit your situation, then back off. There's no place for that lender on your shortlist.

Has the lender explained everything in plain English and answered your questions?

If any lender you speak to tries to bamboozle you with jargon and technical terms, take a step back. Any lender worth its salt will explain absolutely everything to you in a clear yet non-patronising fashion. What's more, you shouldn't feel you've been made fun of if you don't understand something and you should feel assured that all of your questions have been answered.

Did the lender give you all the available options?

Do you know for a fact that the lender you've spoken to didn't make clear the other offers it has; rather, did it just stick to one that would be most beneficial financially? If you find out that there were other, perhaps more affordable packages on offer, but your lender omitted to tell you about them, step away. You probably can't trust this lender. Next time you meet a lender, ask them openly if there's a better deal out there for you. If they're really interested in your wellbeing, they'll tell you.

Was your lender willing to provide you with a written breakdown?

If the lender didn't want to put in writing its offer, interest rates included, then re-think your decision. If the lender isn't willing to commit the offer to paper, chances are it's too good to be true. Instead, opt for a lender that offers totally transparency and is completely upfront. It'll pay off in years to come.


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