I hate VAT. I hate it as both a business owner and a consumer. But I hate it even more when it's not 'wrapped up' within the price of the product or service that I am purchasing, as a consumer. So why do professional services, that are selling to the consumer, quote fees that are 'exclusive', or 'plus VAT'? It has never made sense to me.
Rising food, fuel and energy costs consistently come top of consumers' financial worries; and we are increasingly seeing people getting into debt or using credit to pay for essentials like food and household bills. Large numbers of households have no financial buffer to draw on if they're hit by an unexpected expense... The cost of living election battle has already started.
From super-fast processors to Near Field Communication capabilities, these smartphones boast a raft of new features designed to make your life better. But they also come with a hefty price tag; what is the point in spending big on mobile handsets if you are not going to take advantage of their capabilities?