Category Archives for Finances

Advice on Mortgage Types

Most people who buy a house or flat borrow at least part of the money to do so from a high street bank or building society in the form of a mortgage. This loan is secured on the property, which … Continue reading

17. July 2011 by admin
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Where to Get Reliable Investment Advice

Financial consultants There are two kinds of financial consultant — independent financial advisers (IFAs) and tied agents — both of whom sell mainly life insurance and related investment products, such as unit linked savings plans. Independent financial advisers IFAs must … Continue reading

17. July 2011 by admin
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How to Find the Cheapest Loan

Which Loan is Cheapest? Credit unions Credit unions are small mutual banks run and owned by their depositors, and based in a community or workplace. The rate of interest which you earn if you save with a credit union is … Continue reading

17. July 2011 by admin
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Pension Schemes: Planning for Retirement

To provide yourself with a financially secure retirement you need to save some of what you earn during the years you work in order to give yourself an income later. • If you are employed, find out what you will … Continue reading

17. July 2011 by admin
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Investments: Devising a Savings Strategy

• Aim to save at least ten per cent of your take-home pay. • Save first for an emergency fund, which can be used for items not covered by insurance: the car breaking down, major repairs to your roof, or … Continue reading

17. July 2011 by admin
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Sickness Insurance: Guarding Against Sickness

Sickness insurance Sickness insurance, often called permanent health insurance, protects your income if you can’t work or have to take a cut in pay because of illness. • Choose a policy which takes inflation into account so that you receive … Continue reading

16. July 2011 by admin
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Life Insurance: Protecting Your Family

Life insurance: protecting your family Life insurance protects your family’s standard of living if you die prematurely. But you need the right kind of life insurance. Don’t confuse the life insurance which offers protection with the type which calls itself … Continue reading

16. July 2011 by admin
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Short Cuts to Easy Financial Budgeting with Budget Planner

Check statements Check your bank or building society statements against your cheque book stubs for any banking mistakes — they sometimes overcharge you. Any credit card bills should also be checked against receipts and filed away if you want to … Continue reading

16. July 2011 by admin
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House Contents and Buildings Insurance

Insuring your house contents Your movable possessions can be protected by contents insurance. You can make a claim on the policy if any possessions are damaged by a range of disasters — from storms to fires — or they are … Continue reading

16. July 2011 by admin
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Value of Financial Budgeting

Five good reasons to budget • To keep track of where your money is going. • To have money available to meet bills when they come in. • To get early warning signals of over-spending. • To see where you … Continue reading

16. July 2011 by admin
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