 Category :: Finance Articles |
Author :: Michael Challiner  |
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| Article Title :: Travel Insurance - Is It Necessary For A UK-Based Holiday? |
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Just over a month ago, my boyfriend and I decided to visit the
beautiful city of Edinburgh for our 5 year anniversary. We live
in Dorset, so we didn't want to spend the whole time travelling.
To make the trip easier on ourselves, we decided to fly there,
and used a travel agent to organise the week long holiday.
Imagine my surprise when I saw an additional £27.50 on the quote
for travel insurance! We were only going to Edinburgh, not
Pittsburgh!
I was offended that they thought we would be so stupid as to get
travel insurance for a trip within the UK. They have hospitals
in Edinburgh, and it really isn't very far away. But later on,
over a cup of hot chocolate, I put some more thought int (read full article) |
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| Category :: Finance Articles |
Author :: Michael Challiner |
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| Article Title :: Remortgaging - Is It Worth Being A Rate Tart? |
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Mortgage lenders call people who switch mortgage lenders to
follow lower rates 'Rate Tarts' - as if that's going to put them
off! These are tarts with brains (not hearts) as we all know
that the best way to get the cheapest deal is to shop around,
and that's what they're doing!
The mortgage lenders are in heavy competition with each other to
attract the most customers, and although some offer other
incentives like free valuation and set up fees, it's the
interest rate that's the real clincher. As long as this is the
case, Rate Tarts will prosper!
Some lenders have increased their up-front charges in an attempt
to beat the Rate Tarts, and others offer incentives to existing
customers to (read full article) |
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| Category :: Finance Articles |
Author :: Michael Challiner |
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| Article Title :: Interest Only Mortgages - FSA Makes Move To Protect Homeowners |
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Abbey recently stated that over 25% of homeowners decide to take
out an interest-only mortgage. It's not hard to see why - the
monthly payments are significantly less, just look at this
example based on a 25 year £125,000 mortgage at 5%. The interest
only mortgage will cost £525 per month - but the repayment
mortgage is £735 per month - an additional £210 a month - that's
a lot of money!
At the root of the issue are the first time buyers - they simply
can't afford the repayment mortgage, so take the interest only
option as an easier way out. However, the interest only mortgage
must be accompanied by a suitable savings vehicle to cover the
outstanding capital at the end of the mortgage (read full article) |
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| Category :: Finance Articles |
Author :: Eldon Burr |
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| Article Title :: Avoid Financial Debt by Creating and Maintaining a Budget |
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The first step to avoiding the financial debt is to create and
maintain a budget. It's not as intimidating as it sounds, don't
worry.
First, create a list of your monthly income and a list of your
monthly costs. When determining income, list all sources
including alimony, child support, side jobs, etc. In calculating
expenses, be sure to include housing, food, transportation,
utilities, entertainment, etc. To gain an accurate reflection of
actual expenses, sit down every night and write down costs, just
make sure to save receipts. Find out if your income covers all
of your expenses. If the answer is no, then some expenses need
to be reduced.
Adjust expenses. If it is a small discrepancy, (read full article) |
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| Category :: Finance Articles |
Author :: Gary Tallon |
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| Article Title :: A Beginner's Guide To Personal Loans |
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If you're looking to borrow a sum of money then the chances are
that you'll look to take out a personal loan rather than any
other type. The term personal loan is simply used to describe
standard types of borrowing - i.e. a loan taken out by a
consumer rather than a business for general purposes (but not
for a mortgage which is obviously dealt with by a mortgage loan).
The majority of personal loans can be used for any purpose and
the chances are that your lender won't even be hugely interested
in what you want the money for. Their primary concern is
checking that you'll be able to repay your loan! This situation
can be different with specialist loans (which also fall under
the banner of p (read full article) |
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| Category :: Finance Articles |
Author :: Vipul Jain |
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| Article Title :: Secure your wishes with a Secured Loan: |
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There are times when most of us need to borrow: to pay for
college, to start a business, to pay unexpected medical
expenses, and sometimes simply to get the things you've always
craved for. One of the most popular ways of borrowing money is
through Secured Loans.
A Secured Loan is a loan which is taken by offering collateral
to the lender. The collateral offered acts as a guarantee of
repayment of the loan by the borrower. A wide number of lenders
are available who are more than willing to offer you Secured
Loans. The rates of interest offered in Secured Loans are
comparatively lower than unsecured ones.
You can get Secured Loans from your bank, credit union,
and a host of lender (read full article) |
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| Category :: Finance Articles |
Author :: Natalie Aranda |
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| Article Title :: Why, What and When You Need Estate Planning |
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Sitting down with a financial advisor
to plan the transfer of all of your personal assets upon the
event of your death to your chosen beneficiaries is called
estate planning. Successfully planning your estate with a
professional ensures that your assets are transferred to your
chosen beneficiaries as quickly and with as minimal tax
consequence to them as is legally possible.
The modern process of estate planning begins with you making an
inventory of all of your assets and creating a will. Often a
trust is established to help minimize the tax burden that may be
left along with your assets to your heirs. You want to leave
your loved ones with wonderful memories and family heirlooms and
trea (read full article) |
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| Category :: Finance Articles |
Author :: Brennan Howe |
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| Article Title :: Auto Leasing Basics |
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There's a shiny new Pontiac G6 parked in your next-door
neighbor's driveway. Standing proudly next to it is a gleaming
new Jeep Grand Cherokee. This is the second time in four years
that your neighbor and his wife have driven home on brand-new
sets of wheels. Unless you live right next to state lottery
winners or an organized crime family, there could be a more
plausible explanation for your neighbors' seemingly good
fortune: they might be leasing.
What is automotive leasing?
Automobile leasing is paying for the use of the car, rather than
paying for the car itself. Monthly lease payments are based on
the projected cost of the vehicle's depreciation over the period
covered by the lease. (read full article) |
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| Category :: Finance Articles |
Author :: Charles Essmeier |
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| Article Title :: Mortgage Paid Off Sooner With Just a Little Extra Cash |
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Buying a house is the most expensive thing most people will ever
do. Almost 70% of Americans now own their own homes, and that is
an all time high. But the commitment to buying a home is a great
one; the payment schedule can run as long as forty years, the
interest charges will exceed the cost of the house itself and
the payments need to be made each and every month. It is no
wonder that people who finally pay off their mortgages often
throw parties to celebrate.
And while this commitment is
a long one, it doesn't have to be as long as you think. The
mortgage document may say that the term of the loan is thirty or
forty years, but there is nothing to prevent you or any other
homeowner fro (read full article) |
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| Category :: Finance Articles |
Author :: Phyllis Wasserman |
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| Article Title :: Credit Card Debt |
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Getting Out and Staying Out of Credit Card Debt
Credit card debt is a major cause of over one million
bankruptcies each year. The reason is that many people get a
credit card without researching and reading the fine print. By
the time annual fees are added on, along with spending
indiscriminately, payments are missed, which causes their
balance to skyrocket.
Although we all like to place the blame on the credit cards and
the credit card companies, you need to keep in mind that the
real cause of your financial mess is you.
One shopping spree does not usually cause high debt. It is
usually a pattern that consists of gradually increasing
purchases that add up to a large debt. The great th (read full article) |
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