Friday, 29 April 2016

Blandford Library – The Tabernacle DT11 7DW


What’s on for Adults and Children

Adults

Shared reading group (poetry) second Monday, 10.30 – 11.30, free

Creative Writing Groups. Tuesday evenings, enquire E.R.Bevin@dorsetcc.gov.uk

Reading Groups

Lecture Series
Local speakers on a range of subjects – discover a new passion!
Tickets £1.50

Children - All events are free

Rhyme Time, Tuesday 2.00 – 2.30pm
For babies 0 – 2 yrs and their carers.

Toddler Time, Thursday & Fridays
10.00 – 10.30am for toddlers 18 months plus and their carers.

Chatterbooks Reading Group, age 7+
Saturdays once a month

Keep Chattering Reading Group, age 11+
Thursday once a month

Young Writers Squad, age 11+
Saturdays once a month


For more information and to find out more on lending, renewals, opening times, fees and charges. Click blandfordlibrary@dorsetcc.gov.uk

Information booklet and Library family membership forms are available from Blandford Garrison Army Welfare Service/HIVE Information Centre. 01258 482537.


Thursday, 21 April 2016

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How To Maintain A Good Credit Record When You’re In The Military

Are you a good or a poor credit risk? You may not know until you submit an application for a loan or credit. Here are some top tips on how to maintain a healthy credit score, regardless of your location.

The result can sometimes be surprising. Moving around with the military doesn’t always help your credit score, although significant effort has been made in recent years to improve awareness within the financial industry of the circumstances of military personnel.



How does a credit rating score work?

Your credit score measures you as a financial risk. A poor credit score can make it difficult to borrow money. This can affect your application for credit cards, motor finance, a mortgage and other services such as mobile phone contracts.

How is your credit risk measured?


All lenders want different things and have their own ways of scoring but are likely to take into account the following:
  • Occupation
  • Address history
  • Length of employment
  • Annual Income
  • Previous and existing creditors and your credit payment history
  • County Court Judgments
What is likely to make you a poor credit risk?
  • Excessive debt with no spare income to support more credit
  • Too many credit searches within a rolling two-year period
  • Poor credit history such as missed or late payments
  • Not having any credit history can be detrimental to your credit score
  • Frequent house moves, in particular postings abroad where BFPO addresses aren’t always recognised by lenders’ systems
How to help your application for credit when on the move
  • State you are a member of the Armed Forces when applying for credit
  • Provide a full postal address including postcode. If it is a BFPO address, include the unit you’re attached to. A letter from your Commanding Officer is also useful
  • Register to vote in the UK, which will put you on the Electoral Register. This needs updating every time you move in the UK
  • Serving overseas for long periods of time can make building up a good credit history difficult. Keep a record of financial transactions overseas to hand, such as credit cards and bank statements. This will help to show that you can handle your money wisely
  • Manage your debts and pay your bills on time
  • Check your credit report before you apply for any credit. You can obtain a copy from credit reference agencies such as Equifax, Experian and Callcredit. If you find any discrepancies, you can challenge them with the credit bureau
  • Keep the balance on your credit cards as low as possible
  • Make joint applications for credit such as motor finance. This will help both you and your partner build up evidence of good credit management for the future.
How to improve a poor credit rating
  • There is no quick fix. A reputation for being a bad credit risk can take time to improve, but there are steps you can take to help the process along.
  • Make sure you pay your bills on time. Set up a reminder to prompt you when a payment is due or set up a direct debit and make sure there will be enough money in your account to pay the direct debit
  • Stop using your credit cards to avoid adding to your debts
  • Only take on new credit accounts if you have no other option. If you need to borrow more, look to extend your existing credit provisions rather than applying elsewhere
  • If you have any spare money, look to reduce your overall debt by forming a payment plan. Start with the cards and loans that charge the highest interest and work your way down
  • If you’re struggling to make ends meet talk to the credit company or seek advice from a credit counselling service to help you get back on track with your finances.
If you feel that you’ve been treated unfairly when seeking credit due to your military lifestyle, you can appeal to the Financial Ombudsman.

For more information on how to apply for credit you can check out Money Force. To learn more about how to manage your money, go to the Money Advice Service website.
Information extracted from RAF Families Federation News. Please click the link for full details.

Thursday, 14 April 2016

How Can Blandford HIVE Help You?

If you have arrived recently and did not receive a Blandford welcome/arrival pack,
please call in to the HIVE and pick up your pack and Garrison guide.

Monday, 11 April 2016

NI Credits For Overseas Postings Since 1975

National Insurance credits for partners of armed forces personnel overseas after 6 April 1975


How spouses and civil partners of armed forces personnel posted overseas can fill gaps in their National Insurance record.
Apply online : Click here