Do you ever get the feeling when there are so many options and so many different things from which to choose that it’s hard to make sense of what is what? I tend to get that feeling when it comes to looking at different kinds of insurance, as many different providers offer the same kind of cover but give it a different name e.g. life insurance vs. life assurance. However, sometimes the subtle change of name means that you’re being offered a completely different product. In the case of mortgage life insurance vs. mortgage payment protection (MPPI), it pays to understand the difference and to know just what you’re getting. Read more…
Top 5 Reasons Companies Should Give Back to Their Community
Charitable work is not a new concept, especially not in the corporate world. Many companies have options for employees to donate money from their paychecks to charity, nonprofit fundraisers, and community events in an effort to do their part to give back. Read more…
A Guaranteed Bank Account – The Ideal Account?
If you’re looking for a bank account but have had credit problems in the past, you will probably already be aware of the difficulties of getting something as simple as a bank account. Let me assure you, you’re not alone. Read more…
Scottish economy slows down – Jobless rate rises by 19K
Scotland has an open, modern economy and because of its natural resources it has great economic potential. With core industries like finance and business services, food and drink, renewable energy, life science, universities, tourism and the creative industries. Read more…
How could a Trust Deed help me out of debt?
If you have a substantial amount of unsecured debt that you can’t afford to repay in a realistic time frame, you’ll need to find a suitable way of getting out of debt. Read more…
Pound to Euro exchange rate – Good news for UK holiday makers
The New Year has brought good news to those British holiday makers who have been avoiding Europe due to the poor Sterling – Euro rate. Previous exchange rates have made holidaying in our European countries an expensive option. The good news is that the pound has now hit a fifteen month high with one pound now being worth one Euro twenty one. Read more…
Don’t pay too much for your loan
Life is never simple and there are any number of reasons why people need to borrow money. Some people might take out loans for unexpected household repairs. Others perhaps just need a new car or want to go on holiday. Read more…
How does a Debt Relief Order (DRO) work?
When you seriously can’t afford to repay your debts then one option is to apply for a debt relief order, or DRO. This is a cheaper alternative to going through bankruptcy procedures if you have debts of less than £15,000, have a low income, little equity and there is no prospect of things improving. It is effectively a way of clearing debt within a year without having to attend court, pay your creditors or declare yourself bankrupt. This type of order is approved by the Insolvency Service and is part of a debt management plan. Read more…
Payday loans, the short term cash alternative?
Most people at some point have struggled to make ends meet in between paydays. Unexpected costs such as a car repair or boiler breakdown can leave people really struggling. One option is to take out a personal loan. This is a great choice for people who want to borrow over a thousand pounds and pay it back over a longer period. However, that is not always the case as some people just want to borrow a few hundred pounds to tide them over until pay day. This is when payday loans can be an ideal choice. Read more…
How lenders give instant approvals on payday loans
Payday loans are an ideal solution if you are stuck for money in between paydays. Often there can be instances when we need money to cover unexpected costs such as a car repair, a vet’s bill or a home emergency problem. You might be lucky enough to have some savings or you may be able to get an overdraft from your bank but for those with a poor credit history or low income, payday loans can offer a solution. Read more…