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Laptops & Desktops on Finance

Whether you need it for work or simply for leisure, buying a brand new desktop or laptop can be expensive. With online catalogues, you have the option of buying a laptop on finance using their spread the cost payment plan or even buy now and pay later with no deposit.

Spreading the cost on a computer usually comes with two choices; pay monthly or pay weekly. Pay monthly laptops are the most common credit plan, whilst paying weekly is only available with a few select retailers such as Homebuy and Dial a TV.

Buying now and paying later on a laptop or desktop allows you to pay nothing for a specific period of time. Usually around 6-12 months. Some catalogues will also offer an interest free credit period although, they usually only accept customers with a good credit rating.

For those with bad credit or no credit history, you may find it more difficult to get accepted for a 0% interest credit plan. In these cases, you may have to apply through a slightly more lenient catalogue or store. Just watch out for the interest rates!

It's also worth considering renting a laptop from a rent-to-own store such as Dial a TV.

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Laptop & Desktop Buying Guide

This Laptops & Desktops buyers guide will highlight important features you should consider.

The type of computer you choose will depend on what you intend to use it for, and how much you want to pay. There is a computer available for everyone, but it's essential you choose the right one.

Operating System

The first and most important thing to consider is the operating system installed on the laptop or desktop computer. Almost all personal computers run Microsoft Windows, although it's also possible to buy Apple Macbook computers which run Mac OSx and Linux computers. If you're looking for an easy to use computer which can run most applications then you probably want a Windows PC.

Make sure that the computer you are buying comes with the license for the operating system. This should be the case when buying from a reputable store, but if buying from auction sites you could end up with a pirated copy of Windows.

Type of Computer

There are several different types of desktop and laptop computers. There are touch screen laptops, and laptops which can convert into tablet computers. It's also possible to buy all-in-one desktop computers. These have the screen built into the computer itself. The type of computer you choose will affect the price you will pay.

Screen Size

The screen size is another important thing to consider. Most laptops are around 15.6" in size which should provide enough room for most uses. There are also more portable 10" netbooks and much larger 20" laptops available to suit everyone. Desktops can connect to any monitor which are available in virtually any size.

Hard Drive

The hard drive will affect how many files you can store on your computer. Hard drives are much cheaper than they used to be and so it's possible to get computers which have much more storage space. The larger the size of the hard drive, the better.

CPU Speed

The CPU speed dictates how many calculations your computer can do per second. The higher the speed of the processor, the more powerful it will be. High speed processors are also important for anyone working with photos, 3D modelling or playing demanding games.

Wireless Networking (Wi-Fi)

Most people will connect to the Internet using wireless networking. This is normally available as standard on most laptops, although not all desktops have built in wifi connectivity. If this is important for you then make sure you search for it, or allow some extra money to buy either a USB wireless networking adapter, or a Wi-Fi card.

As well as all of these features, you will also need to consider the brand of the computer you are buying. Make sure you buy a computer from a well known brand with a good warranty period.

TV's on Finance

Buying a new TV can prove difficult for some of us especially if you've just moved house. Thankfully, there are a growing number of online retailers which now let you buy a TV on finance.

A TV credit plan normally comes with a few options including buy now pay later and spread the cost, as well as no deposit and possibly interest free credit.

Buying a TV now and paying for it at a later date is perfect for those who need a TV immediately, who will have the cash for it in the future.

Spreading the cost usually means you pay back what you owe in small installments, either on a weekly, monthly or fortnightly basis. This credit option is ideal for anyone who struggles to save up due to overspending.

Before you sign up for a finance deal, you should always double check the terms and condition and make sure you understand exactly how much you will be paying, including any interest.

Some customers might find themselves getting refused due to a low credit score. There are solutions to this in the form of catalogues for people with bad credit, however, these particular retailers rarely offer 0% interest so watch out!

For those with very bad credit, you might be searching for a store that doesn't credit check. These are very few and far between and normally ask for recent bank statements as well as a deposit and a high interest rate so avoid these. Instead, consider a rent-to-own company such as Dial a TV, which allow you to rent a tv on a pay weekly basis.

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TV Buying Guide

A television set is an essential element to any home and buying them can prove difficult especially with all the different types, brands and sizes. Should you buy a 3D TV, a Smart TV or just a regular one? If it's a regular one, should you get an LCD, LED or Plasma. These are some of the questions that need to be answered before you even start looking.

If you are shopping for a new TV set, a TV buying guide should help you in the decision making process.

Budget

Before all else, when buying a TV you must set a budget. You can find a great TV for a reasonable price these days. The larger the screen size and the greater the resolution, image and sound quality, the most costly the TV is likely to be. The brand will also play a significant role. Once you set your price you can move forward in the purchase decision.

Type

LCD's are popular choice today. They use fluorescent as opposed to diode emitting light from LED TV models. OLED is a newer style, which uses organic light emitting diodes, for clearer images, and sharper color resolution. HD, and LED are going to provide higher resolution and image quality. If you like images to pop off the screen, 3D is also an option for you.

Depending on what you watch, different sets will provide better resolution. For high paced movies and sports, consider OLED or LCD. If you simply want good color clarity and resolution, you can get by with a more affordable LED model. Again, what you can buy goes back to your budget.

Brand

Some consumers want a reputable brand, others simply want the lowest price. When deciding on a TV, you have to consider this aspect. Top brands offer extended warranties, and protection plans. So even if you do spend more, you are covered from damage and won't pay high costs for repair. If you simply want something decent to watch the morning news, maybe it is in your best option to go with affordability.

Size & Resolution

Standard, 720P, 1081i, 1080p, and more. What do these mean? Well, image quality is higher, with higher resolution. The more pixels per sq inch, the better your image quality. Further, screen size affects this. So, depending on the size of the room, where you plan on placing the TV, and the light conditions in the room, you may want to opt for the highest resolution possible, for the best image quality and clarity possible.

Sound quality should be considered as well, as should the newer smart TV models which allow you to connect to the internet. If you want the latest TV, smart is the way to go. For those who are looking for TVs for gaming, you must also consider models which have more peripheral connections as well.

No matter what you are looking for, these are some of the factors to keep in mind, when purchasing a new TV.

Tablets on Finance

Tablet PC's continue to grow in popularity with the iPad and Samsung Galaxy series leading the way. However, they can still be very expensive to buy in one lump sum, which is where deals like buying an iPad on finance come in handy!

There are dozens of online stores which offer finance plans on tablets where you can choose to pay nothing for a few months and then pay off the full price, or pay for the device in monthly or weekly installments.

Buying now and paying later on a tablet usually means you pay back what you owe within 3-12 months depending upon the store and the price of the tablet. Many stores also offer interest free periods with this credit plan as well as no deposit.

In most instances, paying in installments or spreading the cost as it is also known, means you pay back what you've borrowed over 1-3 years. Unfortunately, with this credit option most retailers only offer the first month at 0% interest, whilst some don't offer any interest free period at all.

If you have a low or bad credit score, you may find it more difficult to get approved for a credit plan. Remember, there are no guaranteed credit plans. There are however stores which are more likely to accept you even if you have no credit history. Please take note of their interest rates though, as they usually try to compensate for this by charging double the interest rates of other stores.

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Tablet PC Buying Guide

Tablet PC's make it easy to surf the Internet and watch videos from the comfort of your sofa. There are quite a few different types of Tablet PC's, so it's important that you make sure you choose the right type. The type of tablet you choose will depend on what you plan on using the computer for, and how much you are prepared to spend.

Type of Tablet PC

The most popular type of tablet available is the iPad from Apple. This is a high quality tablet which can be used to browse the Internet and even watch TV. However, it's not as flexible as some Android tablet computers. There are even Windows tablets available for anyone that wants more functionality from their tablet. As Android is an open source operating system, they are available much cheaper than iPads.

Windows RT vs Windows 8.1

Windows tablets are becoming more popular because they are powerful and some can be used with standard PC applications. However, it's worth highlighting the difference between Windows and Windows RT. If the tablet runs a full version of Windows 8, then it can be used with any PC application.

However, if the tablet runs Windows RT then this is a more limited version of windows. It will still look like windows 8, but it won't work in exactly the same way.

Connectivity

Most people use their tablet computers using wireless networking (wifi). However, there are additional types of connectivity that you might like to use. These include bluetooth, USB and HDMI. Tablets normally have a smaller USB and HDMI port which can be used with an adapter. This allows you to connect additional storage, and also connect the tablet to your TV to enjoy films in high definition.

Touch Screen

All tablet computers are controlled by touching the screen, however there are different types of touch screen available. The cheapest type of touch screen is resistive, this recognises the location of your finger by measuring the pressure on the screen. Capacitive touch screen is much more accurate and it is also capable of detecting multiple fingers at the same time which makes zooming in and out easy.

Storage Space

The amount of storage space available for the tablet will be something important you will need to consider. Normally there is less storage space in tablets than on computers. The more storage space available, the more photos and documents you will be able to store. This is even more important if you want to store videos and movies on the tablet computer.

Mobile Phones on Finance

When it comes to getting a new mobile phone there are usually two options available; a mobile phone contract or buying the phone by itself and get a sim-only contract.

If you've already been refused a mobile phone contract then buying a phone on finance might be the only option you have left. Fortunately, there are numerous places where you can buy a mobile phone on credit by using a pay monthly, pay weekly or pay later payment plan.

Paying for the phone in monthly or weekly installments is an almost identical system to a contract phone, however you normally have the choice of paying it off over 1, 2 or 3 years.

Buy now pay later is where you pay back what you owe in one lump sum within a few months after the purchase. Many of these finance deals include no deposit and interest free credit.

Please note that all of these finance options will include a credit check so if you have a bad credit history or no credit history whatsoever, you may find it difficult to get accepted. There are still options but most likely you'd have to go with a store or catalogue that has higher interest charges.

It's worth taking a look at your credit report first though to see what's causing your bad credit.

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Mobile Phone Buying Guide

Do you want the latest Samsung Galaxy 6, or the Note 4? Or do you prefer the new iPhone? When it comes to buying a new mobile phone, you have to know what to look for. Most importantly, you don't want to skimp on the quality, but these additional factors should play into your purchase decision when the time comes to buy the new phone.

Features

Decide what features you want beforehand. Do you want fingerprint ID to unlock the phone, or eyeball recognition features. Do you need Skype, do you need Siri, or is a curved screen a must for you? 15 MP camera or a basic camera? Smart touch technology or text to talk capabilities? New phone models always come up with something new.

If you love the latest gadgets, make a list of your "must have" features, so you can narrow down the phone options which are right for you.

The Design

The curved screen, the amoled finish, rugged body, waterproof, shatterproof, and more. What is important to you? Do you like the simple touch design or an older style flip model? Do you like a huge 5 in screen, or is 3 in enough for you? A thick rugged handset, or do you prefer something light as air?

Consider the use, keeping in mind how you handle your phone (do you drop it often, where you work, etc), and of course consider what you use it for most (text, Skype, video chat, calls, email, etc). All of this will help you select the right design for your new mobile phone.

Processor

Do you need the fastest speed, or something basic just to make calls? Are you sending emails every minute of the day or just a few texts during the day? These questions will help you determine the right processor speed, the clarity, pixel resolution, and other features when it comes to selecting your new phone.

Battery life & Network

If you are out of the house all day or don't have access to a charger for a couple of days, will your phone last? Battery life is critical to choosing a new phone. Further, different phones only work with certain networks. If you are willing to pay a high premium, you can go unlocked and use any phone with any network.

All of these factors should help you narrow down your options when it comes to deciding on which of the latest mobile phones is right for you.

Consoles on Finance

A gaming console has become almost as essential as having a TV these days with the new Xbox One and PS4 topping the Christmas shopping lists. The problem is that they don't come cheap.

One solution is to buy an Xbox One or PS4 on finance through a catalogue or online store. You can do this by taking advantage of their buy now pay later or spread the cost payment plans.

There are now dozens of retailers allowing their customers to pay monthly on an Xbox One or Playstation 4, usually with no deposit required, and some with a lengthy interest free period.

Your credit rating will of course play a factor in whether or not you get accepted. So, if you've got poor or bad credit you may find it easier to get accepted with a catalogue that has higher interest rates. Whilst this doesn't sound appealing, it may be the only option for some people as no credit check plans don't really exist.

One final option could be renting. There are now a few rent-to-own retailers out there where you can rent an Xbox or Playstation and pay it off in weekly or monthly installments.

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Game Console Buying Guide

Are you shopping for a new game console? If so, you have to know what to look for. What type of gaming do you enjoy? Which games do you want to buy? Do you want to use the console for more than gaming? These are some questions to tackle prior to deciding on the right game console for you.

Price

You can't do anything without knowing how much you can or are willing to spend. Want the latest PS system, but don't want to pay more than £300, this is a tough problem. Set your budget, compare the price grids, know when the sale dates are, and from there, you can further narrow down your options.

Game selection

The Nintendo Wii currently has more than 1000 titles; PS3 and Xbox 360 have about 700 and 800 titles respectively. You can download games, you can play online with other gamers as well. Can you buy games from older systems? Do you like sports, RPG, puzzle games? All of these questions should be answered, so you can narrow down your selection when it comes to choosing the right console for you to buy.

Online capabilities

Most new systems have Blu-Ray players or movie viewing capabilities. Most allow you to connect to the internet, use apps, and browse the web. Some systems allow you to connect to other players and compete while others do not. Some, like the Xbox 360, offer an annual membership, where you can try out new games, and play the latest titles before they are released, for an annual fee.

What do you want, what is important to you, and do you want to play for free online? Sure you will pay more for these systems, but you will also save in the long run as you do not have to buy as many games to enjoy the system.

Accessories

The Wii and Wii U have touch screen consoles which come with your new system. The Xbox Kinect shakes when you make moves. Headsets are available so you can talk to other players when you game online. Eye and digital camera functions are available with newer systems as well. Other peripheral devices can also be purchased.

When choosing your new systems, you have to keep all of these factors in mind, and determine how much interplay you want, in order to select the right one.

These are some factors which should help make choosing your new games console a little easier when the time comes to buy one.

Digital Cameras on Finance

Digital cameras have made it easier than ever to capture memorable moments. Although most people have cameras on their phones, it's still nice to have a dedicated digital camera, however, they can be very expensive.

Buying a digital camera on finance is now possible thanks to many online stores such as Argos and Littlewoods which let you buy now and pay later on the latest DSLR and video cameras. You can usually choose whether you'd like to pay monthly, weekly or not pay anything at all for a few months.

With the pay later option, many retailers offer a 0% interest period, whilst the spread the cost plans usually incur interest charges from day one. One of the best things about these finance deals is that you rarely have to pay a deposit, making them ideal if you're currently strapped for cash.

As with all credit applications you will be credit checked so don't be suprised if you have a bad credit rating and get refused. Rent-to-own companies do offer a slight solution to this as do catalogues for bad credit, which charge higher interest rates but tend to have "easier-to-pass" credit checks.

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Digital Camera Buying Guide

This guide will highlight some important features to look out for in any decent camera. The type of camera you choose will depend on whether you want a small camera to carry everywhere with you, or a more professional camera.

Features Portability vs Features

Professional photographers once boycotted the world of digital photography, however digital cameras are now popular with professionals and amateurs alike. Professional photography normally choose DSLR cameras. Whereas an amateur photographer looking to take quick snaps would often prefer a small compact camera.

DSLR Cameras

A DSLR Camera has interchangeable lenses. These can be detached from the camera and changed for different types. This gives the user more flexibility to take great photos. A DSLR camera also allows the person to see exactly what the camera is going to take a picture of. The downside of DSLR camera is that they are much bigger and less portable.

Compact Cameras

Compact cameras are designed to be very easy to use, they feature automatic focus and are simple point and shoot cameras. These cameras are also smaller which means they can be put into a pocket or a bag much easier than a DSLR camera. Anyone can use a compact camera. Some also offer additional features, including being able to upload photos straight to social media sites like facebook and twitter.

Memory Card

Digital cameras store photographs on a memory card. There are a few different types of memory card which can be used by digital cameras. Some of the cheaper cameras have built in memory which cannot use additional memory cards.

The most common type of memory card used in digital cameras is secure digital, this is cheap and easy to find in stores. Some Digital SLR cameras also use compact flash memory cards which are durable and easy to access with a computer.

Connectivity

Most people will transfer photos to their computer using a USB cable, or by taking the memory card out of the camera and putting it into the computer. However, some of the newer cameras also feature wifi connectivity. This allows you to transfer photographs to your PC without needing to connect a cable.

Quality

The quality of the picture will depend on how many pixels (or dots) make up the photo. This depends on the size of the sensor used inside the camera. The bigger the sensor, the better the image quality will be. The size of the sensor is displayed in megapixels, the higher the megapixels, the better the quality.