Personal finances 101: invest in football memorabilia and make some cash

 football memorabilia

Collecting football memorabilia is a satisfying hobby for many — however, not everyone knows how to turn this into a money-making activity. With the help our guide below from UK specialist in display panels: Where The Trade Buys, learn about which editions to look out for, to grow your collection. You may even have some valuable programmes laying around in your loft space… let’s find out?

The history of football match programmes began in 1888

In 1888, the first football programmes were published alongside the launch of the Football League. Unlike today, the aim of a programme was to keep score and it was made up of a single sheet detailing the teams and match date.

Over time football programmes increased in size, growing from pocket-size to A4, with some clubs preferring the smaller option and others opting for the larger format. From a single sheet of basic info, the availability of saddle-stitch book printing and a growth in popularity turned football programmes into thick, glossy books crammed with trivia, statistics and high-resolution photos that fans loved to buy before every match.

One of the first programmes to be published was the ‘Villa News and Record’ for Aston Villa. Soon after, the football programme took on a weightier format of between four and eight pages, while the covers became more attention-grabbing and attractive. During and after World War II, a paper shortage cut the number of programmes that clubs could produce — making any that were released very collectible today.

Today’s football programme stays true to its roots by giving spectators key details of players on each team. Although today, the programme can also act as a mouthpiece for the club in question, allowing managers and players to speak to fans via interviews and club statements.

How much are collectors prepared to spend?

There are many examples of rare football programmes being sold to collectors for a lot of cash. In 2012, a family from Ipswich managed to make around £46,000 by auctioning off a set of football programmes they stumbled across in their house, which goes to show how easy it is to not realise the treasure you have sitting around your home.

Fairly recently, Sotheby’s New Bond Street auctioned off the oldest-known programme from a FA Cup final — Old Etonians vs Blackburn Rovers in 1882 — for £30,000, while a single-sheet programme from the 1909 FA Cup final between Manchester United and Bristol City went for £23,500 in 2012.

To give you a helping hand, here’s a guide on which editions should you watch out for as a collector.

Collectible football programmes: some examples

For fans, football programmes clearly play a large part of the match day experience — but how collectible are they and which should you search for if you want to bag a truly special edition?

The first Wembley final programme from 1923 is a great example of an important collectible item. It details the match between Bolton and West Ham United and is worth around £1,000. Alternatively, there’s the programme from the one and only time a non-English club lifted the FA Cup — Cardiff City vs Arsenal in 1927 — which ended with a score of 1-0 and has a value of about £2,500!

The 1966 England vs West Germany programme is potentially one of the most highly prized programmes in sport. But be warned; there were three reprints of the original, so tracking down a bona fide version is tough. If you want to be sure you’re buying an original, check the weight and colouring — the reprints are more lightweight, while the front cover of the original is a deep, royal blue. Different paper types are also used for the team pages in the original, but not in the reprinted versions.

Another one that programme collectors look out for is the edition from the game that was cancelled following the 1958 Munich air disaster (Manchester United vs Wolverhampton Wanderers), which can go at auction for around £10,000, or the programme for the first match following the tragedy — the 19th of February 1958’s game between Manchester United and Sheffield Wednesday. In this programme, the club showed respect to those involved in the disaster by leaving the team page blank.

A quick guide for new collectors

Keep the following three key features in mind to make sure you’re getting a good deal:

  • Programme age — anything over 50 years old is most collectible.
  • Availability — if there are many available, this will bring the value down.
  • Demand — programmes with an iconic footballer on the cover or detailing a famous match are the most prized and valuable.
  • Wear and tear — creases, missing staples and water damage all harm the programme’s price, so ask for a photo before you pay.

Any programme from an FA Cup final match holds value, as does any booklet that was perhaps the first or final edition of a player’s/manager’s career (i.e. the last game David Beckham played for Manchester United).

Another thing to highlight is that certain teams typically hold greater monetary value than others when it comes to programme collecting — although, programmes from your team’s past will be more personally valuable to you. Sides such as Manchester United, Chelsea, Liverpool, Spurs, West Ham, and Arsenal are all highly sought after and are worth keeping an eye out for if you want a particularly valuable item. The Football Programme Centre is also a good source of advice if you’re keen on becoming a serious collector.

Many fans all over the UK enjoy collecting football programmes — particularly when you track down a rare edition or grab a great bargain. So, why not keep yourself football-focused until the new season kicks off by learning more about the hobby?

 

Photo by rawpixel.com from Pexels

Sources:

https://www.bbc.co.uk/news/uk-england-suffolk-18399222

https://www.antiquestradegazette.com/news/2013/auction-record-for-any-football-programme/

https://www.justcollecting.com/miscellania/top-5-most-fascinating-football-programmes

http://www.footballprogrammecentre.co.uk/football-programme-guide.php

Changes which have been made to various savings initiatives

Building societies are now a common sight on the high street, while we always hear about shifts in the stock market on the news. So many of us have personal savings accounts and pension pots set up now too. But have you ever thought about where these came from, or how each savings initiative has changed over the years? In the following infographic, personal pension specialist True Potential Investor has taken a step through time with this question in mind.

Did you know that the first known building society formed for groups of individuals who were looking to help each other to buy property? Or that the Bank of England was founded towards the end of the 17th century to fund the war effort against France? How about that the Amsterdam Stock Exchange was believed to be the world’s first stock market?

Discover even more fascinating facts by browsing through the full infographic below…

 

savings initiatives

Planning your steps to financial freedom

financial freedom

Financial freedom for many may seem far away, for some even impossible. There are an abundance of things you can do to ensure this becomes a reality. Planning is required, and hard work is needed but creating financial freedom is possible through just a couple of simple steps to you should follow.

1. Have a percentage in mind to save

Saving is one of the most importance factors when it comes to establishing financial freedom and one of the best ways to do this is to decide what percentage of your income will go into savings each month. For example, this could be 10% of earnings, but for some with more comfortable salaries this could be increased to 50%. If you chose to set this up through a direct transfer, the funds will automatically go into a savings account and quite often these numbers add up quickly, which may leave you surprised when you check your available funds. The percentage you chose to save can be adjusted accordingly to your current financial position. It is unlikely that around Christmas you will save extra, but ensuring you have a certain sum automatically saved each month is one of the best and most productive ways to maximise your household income.

2. Invest in Property

There are many lucrative ways that can make your money stretch further. Property is the only asset that produces two different returns on investment, capital appreciation and rental yields which helps to secure financial freedom over the likes of stocks and shares. Capital appreciation refers to the amount a property will appreciate by in the future. In 1998, an average London home was worth £115,000, however two decades later in 2018 the average property price exceeds half a million at £671,412. Besides this monetary growth, rental returns can be gained alongside and property investment specialists like RW Invest offer properties in which you can secure solid returns and potential for capital growth in years to come, meaning that eventually the property will end up paying for itself. Click here to view their full portfolio: https://www.rw-invest.com/. Buy to let property is emerging as one of the most popular ways to grow your income, as well as being a stable way to entrust your money.

3. Aim to diversity your income

Diversifying your income is one of the best ways to create wealth as it provides an extra level of security. Having more than one income stream allows a safety net to ensure you always have an income from one or more other avenues. Many people have avoided serious financial difficulties because of diversifying their income, this may include obtaining a second job. If you are unsure how to add extra income then consider selling unwanted items, involving yourself in part time work or venture into freelance work or an independent business.

4. Ensure all debts are paid

This can sometimes be easier said than done, but one of the most essential things to remember is as soon as you pay off your debt the quicker you will receive financial freedom. To avoid this altogether avoid spending money you don’t have in the first instance. If you are in substantial amounts of debt, calculate how much you owe and set yourself a strict time frame, and be wary not to incur any additional bank charges in the meantime.

Three Ways to Turn Your Car into Money

Turn Your Car into Money

There comes a time in most of our lives when we need a little extra money. Perhaps you’re trying to save up for a vacation or you just have some debts to pay. Having a little extra money in your bank account would go a long way and so you set out to find ways to do that. You look into part time jobs, you cut back on your expenses, or maybe you even start selling some things around your home.

If you’re the owner of a car, it could be the answer to your problems. There are several ways that you can turn your car into money and start reaching your financial goals a little sooner. Here are just three ways you can do this.

Use Your Car for a Job

One of the best things you can do is use your car for a job. There are plenty of places where you can get an extra job driving around, earning a little more income in your spare time. For example, there are probably restaurants in your area that could use some delivery drivers. Or, in some places Amazon is looking for people to deliver packages in their local area. All you need to do is driving something from Point A to Point B and you earn some extra money.

If you don’t want to drive things around (or if you don’t want your car smelling like food), consider driving people around. With apps like Lyft and Uber you can sign up to be a driver, and then drive people to their destinations. The great thing about working for one of these companies is that you get to choose your own hours. So if you have a busy or unpredictable schedule, you can choose which times you work, and earn money on your own terms. To learn more about what it’s like to work for a ride share company, you can check out this article.

Rent Out Your Car

Your next option is to let someone else drive your car. If you don’t need your car at all times you can bring in some extra income by letting someone else drive it. There are many instances where someone is in town for only a few weeks and doesn’t want to go through the hassle of buying a car. By letting someone else use your car you get to bring in extra money without really having to do anything.

If you’re going to go this route there are a few things you should keep in mind. First, you obviously won’t have your car for an extended period of time. If you need your car to get to work every day, this probably isn’t the right answer for you. On top of that, you have to worry about any damage someone else might cause to your car. Check into your insurance policy to see what it covers and consider running a background check on anyone who wants to borrow it. For more on renting out your car, try this guide.

Sell Your Car

Finally, your last option is to sell the car entirely. If you don’t use your car much it’s probably just taking up space. By selling it you get a quick cash influx, and don’t have to worry about things like upkeep, insurance, or parking fees.

To sell your car, you have a few options. First, you can take it to a local dealership. There are tons of used car dealers all over the country, so you should have no trouble finding several near you. If this option doesn’t suit you, you can sell the car privately. This option is a little more risky, but if you can find a good buyer, you may be able to get more than at a dealership.

The great thing about this option is that you can sell your car no matter what kind of shape it is in. Even banged up or broken down cars can get you a little money, so don’t worry if your car isn’t in the best shape. You can even search for “where to sell a totaled car” to find some places in your area willing to buy a completely wrecked car.

Put Your Car to Good Use

If you need some extra cash, and you have a car, you’re in luck. As you can see, there are plenty of options out there for turning this car into some extra cash. Think about how much money you need, how much free time you have, and how much you really need the car. The answers to these questions will help you to determine which route is best for you.

The Differences Between Bankruptcy and a Part IX Debt Agreement

Bankruptcy and debt agreement

What is a Debt Agreement?

A debt agreement is a formal and legally binding contract between you and your creditors, which while not formally being a bankruptcy, does fall within the auspices of the Bankruptcy Act 1996. Under such an agreement, your creditors agree to accept from you an agreed amount of money, which you are in a position to be able to afford, over an agreed period of time in settlement of your debts. Once the amount agreed has been paid in full, anything further you may have owed your creditors which was contained in the agreement is gone, with no legal recourse to pursue you.

How Does it Work?

In a part 9 debt agreement, you work with a debt agreement administrator to prepare a proposal to your creditors, making an offer to pay a certain sum of money to them, in full payment of your debts, over an agreed amount of time. It may be that your income leaves you in a position where repaying everything you owe is just not possible. Through the debt agreement, you may only offer to pay a certain percentage of the overall debt. Even a reduced amount may be attractive to creditors, especially if they may well actually receive less if they push you into a formal bankruptcy. If a majority of the creditors accept your proposal, an agreement is entered into, which is legally binding on all parties, with each receiving the same percentage of money repaid.

What Debts Can Be Included?

Not everything can be included in a debt agreement, and you can still be liable for these even after everything else has been paid. A debt against a property is considered a secured debt and the creditor may force a sale to recover some or all of the loan, with any shortfall then possibly becoming part of a debt agreement. With unsecured debts such as credit cards, utility bills, overdrafts or unpaid rent, a debt agreement is generally possible, while unpaid fines to a court and child support is not. Neither are any additional debts you may accrue after the debt agreement proposal has been received.

How Does Bankruptcy Work?

Bankruptcy is a legal process, which can release you from much of your accrued debt, whereby you are declared unable to pay your debts. You may enter it voluntarily through a debtor’s petition, or it may be forced upon you by a creditor. A trustee will be appointed to whom you must declare all of your assets and liabilities. The trustee will then be responsible for selling your assets, as permissible, to help repay some of your debt. You may be ordered to make compulsory additional payments if your income is above a certain level. Bankruptcy generally lasts for three years and a day, during which time you may be ineligible for certain types of employment, or be subjected to restrictions on obtaining any credit or even travel.

It is important to understand that entering into either bankruptcy or a Part 9 debt agreement is a very serious move and before deciding about either, it is essential to receive expert advice on your situation and listen to your options to deal permanently with that unmanageable debt.

Debunked: 6 Bitcoin Myths

bitcoin myths

You’ve probably heard them before. As a sensational innovation, bitcoin is sure to attract just as many sceptics as it does supporters and investors. The complexity of the cryptocurrency can also cause a degree of confusion for those who aren’t in the know.

As a result, the critics fall back on to several “processes” that are total myths. So, to ensure you know how to buy Bitcoin in Australia easily, here are some common Bitcoin myths debunked.

1. Bitcoin is a speculative investment opportunity.

Most people first hear about the digital currency in the context of price. Whether it’s a recent dip or earlier bubbles, many think of bitcoin in terms of price volatility. But, bitcoin goes beyond merely being a commodity. For instance, it’s breaking down doors with its decentralised peer-to-peer payment network. Even if the price of bitcoin were to stay the same for a long time, it could still be used in many other areas other than just a speculative investment.

2. You can’t buy practical things with bitcoin.

Many people are surprised after knowing that bitcoin can be used in paying for services and goods. Even Microsoft accepts bitcoin payments and PayPal has partnered with a number of bitcoin companies. What’s more, many small businesses accept bitcoin online or in their land-based locations.

So, bitcoin can be used to buy tangible things. A big benefit of the cryptocurrency is the low transaction fees. Bitcoin transactions can save merchants anywhere between 1 – 3% compared to credit card transactions.

3. Bitcoin is used to launder money.

The bitcoin community tends to obey the rules and is usually willing to cooperate with the government so as to increase the adoption of cryptocurrencies. To accuse bitcoin investors of laundering money just isn’t fair, or true. Tangible currencies are usually the preferred way for the unscrupulous to launder money.

4. You must buy a whole bitcoin at a time.

Bitcoins are actually divisible to eight decimal points. So, you can own a hundred-millionth of a bitcoin. Since the value of the cryptocurrency historically reached a high of around $1,000, buying a whole Bitcoin is a pretty far reach for many people, and just not practical.

5. The cryptocurrency can be shut down.

While companies can easily be shut down, bitcoin can only be shut down if the internet is shut down. So, it’s pretty much impossible and improbable.

6. Bitcoin can promise a fixed return scheme.

Many people think that bitcoin has to be a long-term investment in which they can lock in for a certain amount of time and then gain fixed returns at the end of that period. However, bitcoin comes with an open protocol. Both sellers and buyers decide the price, so there’s no guarantee and no fixed returns. If someone says you’re promised a certain amount of return, it’s a myth.

Armed with these 6 myths we’ve debunked, you’re better positioned to start investing in bitcoin.

7 Questions To Ask Your Potential Dallas Appeals Lawyer Before Hiring

 lawyer

If you are facing conviction in a case in Dallas, it doesn’t mean that you have to suffer in silence. You can make an appeal and try to get the ruling overturned. To do this, you will need the help of a skilled appeals lawyer. The right appeals lawyer can enhance your chances of getting the ruling overturned. So, you will have to select your lawyer with care. Here are 7 essential questions that you need to ask a lawyer before hiring him or her.

How long have you been practicing as an appellate lawyer?

Making an appeal is not a simple task. An attorney needs to have much experience as an appeals lawyer in order to become a veteran in this field. By knowing about the experience of the lawyer you will be able to understand whether he or she is a seasoned attorney or just starting out.

What kind of cases do you handle normally?

An answer to this question will tell you about the area of expertise of the lawyer. You will be able to determine whether the lawyer has extensive knowledge of handling appeals pertaining to the legal area under which your appeal falls.   

What is the cost of filing an appeal?

Filing an appeal can turn out to be an expensive matter. Before you go ahead with the appeal and hire a lawyer, it’s wise to become aware of the expenses involved in the process. You can get a clear idea of how much the appeal will cost you by talking to your potential Dallas appeals lawyer.

How much will you charge?

While filing for the appeal in court is just part of the expense, you will have to know how much the lawyer will charge you for handling your appeal. Also, you must ask the lawyer about how he or she expects the payment of fees to be done. Some lawyers ask for a flat fee that includes all expenses. Others go for an hourly-basis fee. If you are not ok with the fee structure suggested by the lawyer, you can discuss the matter freely then and there.

Can you give some idea how long my appeal may take to get resolved?

Generally, appeals take a lot of time to get resolved. Some appeals extend for months and some may even take more than a year to arrive at any resolution. But a good appeals lawyer will be able to provide you some idea of how long your appeal may take to get resolved in court.

What are the likely outcomes if I win the appeal?

Appeals do not always get resolved in the way you would like them to be. By talking to your lawyer, you will be able to understand the probable outcomes of the appeal.

What route can I adopt legally if I lose the appeal?

You must be aware of any further legal route that you can adopt in case you lose the appeal. Your lawyer will be the best person to guide you in this.

A Guide to Sourcing The Right Mortgage Broker

mortgage broker

If you and your partner have decided that renting is no longer an option, you will soon have to negotiate the murky world of mortgages. For the very lucky few, borrowing money is not necessary, yet for the rest of us, it is the only way we can own our own property, and one thing you will need in your corner, is a good independent broker, and with that in mind, here is a guide to sourcing the best mortgage broker for your specific needs.

  1. Performance Based Industry – The mortgage broker industry is very much performance based, and any established broker would have an excellent reputation in the field. If a person is happy with the home loan they got through a broker, they are likely to mention it to their friends, and with this word of mouth recommendation, the broker is not short of clients. If, for example, you are looking for a mortgage broker Central Coast homeowners trust, there is an established provider who can tailor the loan to perfectly suit your needs.
  2. No Cost Services – For the borrower, the mortgage broker’s service should be free, as they receive a small remittance from the lender, and that is good news for any potential buyer. This allows you to have all the benefits a broker brings at zero cost, making it the obvious choice, yet there are some companies who perform better than others, and we must always remember that the broker is limited to their connections with lenders, and an established broker would have a large number of lenders on their books.
  3. Online Solutions – The days of driving around looking for a mortgage broker’s office are well and truly behind us, and with a simple online search, it is possible to bring up a list of potential candidates, and after some browsing, you can make an initial online enquiry. With online applications, you can receive a mortgage pre-approval within a few minutes, and any queries you might have can be answered through their website.
  4. Independent Advice – Ideally, a broker will have the client’s best interests at heart, and as he is not tied to a specific lender, he can shop around on the client’s behalf, looking for a loan that is tailored to suit their client’s needs. You can also refer to informative articles that highlight the many benefits of independent financial advice, which can help you in other areas of your life.
  5. Prompt Response – When making an online enquiry, you should receive a prompt response, and the absence of this should be enough to continue your search by looking elsewhere. The ideal mortgage broker would typically respond to an online query within a few minutes, and with their expert staff, any questions you might have will soon be answered.

If you have an experienced mortgage broker in your corner, finding the right home loan is much easier, and with a free to use service, the borrower can find the right mortgage that ticks all of the boxes.