Michael Challiner - EzineArticles.com Expert Author

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I am extreemly experianced in the finacial markets here in the uk. After many years working for the likes of J Walter Thompson and Saachi and Saachi in coporate marketing I began to focus on finance - primarily insurance. You can find my articles all over the internet and I try to be as uptodate a possible - things however are always changing in finance!

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Dental Care When You Need It
[Insurance:Dental] It doesn't seem long since there was an outcry about lack of NHS dentist's. Things are still not too settled and it could be you that finds yourself out in the cold when it comes to treatment. Whether or not you're covered for dental care - read on for more details.

Cheers - Good Health
[Insurance:Health] Some babies born today in the UK will have a life expectancy of 100 years, according to recent research. This makes quite a change from the warnings of early death from smoking and being overweight. It's great to have some good news at last.

Health Insurance in the Work Place
[Insurance:Health] Employee health benefits are invaluable. Long term sick pay plans are even better. There's enough to worry about if you become ill without financial headaches too.

Health Insurance and the Level of Cover Available
[Insurance:Health] If you're thinking of private health insurance and have done nothing about it - what's holding you back? Your wellbeing and that of your family is surely what matters. Find the level of cover that suits your needs.

Inheritance Tax, Intestacy and More
[Finance:Estate-Plan-Trusts] If you're thinking of making a will, you might need to brush up on some facts. We'd always say that you should take some professional advice before taking such an important step, but it may help to understand some of the terminology that will crop up.

Don't Leave a Mess - Leave a Valid Will
[Finance:Estate-Plan-Trusts] If you don't leave a will, you'll leave uncertainty and confusion. If you do leave a will, there could still be a battle. High Court cases which involve complaints about wills are rising, so make sure everything is in order, leaving no doubt about your intentions.

Wills and Pets
[Finance:Estate-Plan-Trusts] A will is basically an instruction to whoever you've chosen to administer your estate as to how you'd like your estate to be divided after you've gone. By pets we don't mean you're passing on your pet canary - although you could do! Read on for more.

First Or Last Will and Testament
[Investing:Retirement-Planning] It's almost never too early to write a will. Only a third of people in the UK get around to writing a will at all. It's a vital part of your planning when it comes to finance, but unfortunately the most overlooked.

Could Heir Hunters Be Coming Your Way?
[Finance:Estate-Plan-Trusts] Have you ever dreamed that you'd inherited a vast amount of money out of the blue? It could come true although maybe it's best not to bank on it. If a distant relative has died without leaving a will, you could just be in for a surprise.

Mortgage Borrowers May Face Restrictions on Minimum Deposits and Income Multiples
[Real-Estate:Mortgage-Refinance] The Financial Services Authority my get formally involved in regulating the levels of deposits and income multiples that prospective home buyers require. This article looks at the situation.

Help, I'm in Mortgage Arrears!
[Real-Estate:Mortgage-Refinance] This article looks at how lenders go about repossessing homes - and what help is available. Essential reading if you're in mortgage arrears.

Income on Retirement - Smokers Take Note
[Insurance:Health] There's one group of people that are being offered better pensions than the rest of us. Smokers have a reduced life expectancy. That's why the insurers can afford to do it.

Families Are Being Hit Hard by the Recession
[Finance:Personal-Finance] The recession has hit and it is families that are being hit the hardest. This article looks at the measures parents are having to take. It also covers the amount it will cost to raise a child.

Great Britain is Officially in Recession So How Can You Protect Your Savings, Pension and Home?
[Finance:Personal-Finance] Times are very hard and remaining employed is a worry with huge job cuts happening all over the country. There are some safeguards that you can put in place which may help out in the worst case scenario explained below.

Retirement - Can You Afford It?
[Home-and-Family:Retirement] Retirement is something most people look forward to. An end to the rat race, giving you time to enjoy yourself. Could the cost of living in retirement cast a shadow over your dreams?

Redundancy Cover Explained
[Insurance] More and more people are being made redundant. This article looks at insurance products available on the market to cover for this. Do not leave it too late though, as you may find yourself not covered if you do find yourself unemployed.

Could PPI Mis-Selling Be Banned?
[Insurance] Payment Protection Insurance (PPI) has been around in the market place for many years. It seems that mis-selling of PPI policies has been around for just as long, and now, the Competition Commission is looking to introduce measures to control this market.

Major Bank Offers an Alternative to Payment Protection Insurance on Their Credit Cards
[Insurance] Britain's biggest credit card company is behind a new idea to give the holders of its credit card the option to stop making repayments if their income is drastically cut. In practice, it's a form of payment protection insurance (PPI) which lenders have been barred from selling alongside forms of credit but the bank claims that its debt suspension option is not an insurance policy.

Insurance Companies Advertise Loans For Surgery
[Finance:Loans] Insurance companies have been heavily criticised for advertising loans on their websites for patients wanting cosmetic surgery. This article looks at the tactics the insurers are using to entice people to have surgery.

Breathing Space Offered by Lenders
[Finance] This article looks at a new offer from lenders. For a monthly fee (a percentage of your balance) they will let you suspend your repayments if your income decreases by more than a quarter. It could be the answer to the much needed breathing space many people currently need.

Merchants Profiteer by Charging More For Credit Card Transactions
[Finance:Credit] Ever been surprised by a retailer charging you a "transaction processing fee"? Well, these fees are becoming far more common and some people are objecting. This article investigates

Student Loan Repayments at Zero (Or Even Minus) Per Cent
[Finance:Student-Loans] Falls in the retail price index makes good news for millions. Students and graduates will be celebrating as a result of their loan interest rates zooming down to zero or lower. This makes a welcome change from what we've become accustomed to.

Debt and Your Retirement
[Investing:Retirement-Planning] Traditionally there are two means of measuring the cost of living in the UK. These are the Consumer Prices Index and the Retail Prices Index. Both are used to estimate just how much the cost of living is rising over set periods and they're employed in various ways to set the amount of increase of pensions.

Travel Insurance is More Important Now Than Ever
[Insurance:Travel] With job losses increasing, some holiday companies are offering cover if you have booked a holiday then lose your job. This is just the peace of mind millions of us need. We can book that well earned holiday knowing that if we lose our jobs we are covered.

What to Look For in Travel Insurance
[Insurance:Travel] This article looks at travel insurance. You may be a frequent traveller or just travel once a year, either way, you will need travel insurance. Below are some useful tips.

Managing Your Debts
[Finance:Debt-Management] Are your debt problems getting you down? It's no use ignoring them - they're not going to melt away. Debt management advice can help you to see more clearly and make some balanced decisions.

Want to Go to College? Do Not Be Deterred by Debt
[Finance:Debt-Management] Top-up fees have rightly drummed home the truth that all higher education costs money - it's not free. This article looks at the pros and cons.

Open Your Mouth Wide Please
[Insurance:Dental] At one time it seemed as though almost everyone had an NHS dentist, with an appointment available for the cost of a phone call. How things change - find out the options for dental care nowadays.

British Dentistry and the UK's Teeth
[Insurance:Dental] What is the cost of private dental treatment and how can you control the cost. This article investigates.

Sell and Rent Back Arrangements
[Real-Estate:Selling] Under a "sell and rent back" deal, a homeowner who is struggling to repay their mortgage sells their property at a discount to company who then allows them to remain in the house as a tenant. But a report from the Office of Fair Trading has found that these arrangements may not be the homeowner's best option and some people had been swiftly evicted. As a result the Office of Fair Trading has ordered sixteen firms to validate all the claims they have made in their advertising. If the Office of Fair Trading finds "unfair and misleading" practices, it expects to take action which could include prosecutions.

Bankruptcy - An Overview
[Finance:Bankruptcy-Tips-Advice] If you have serious debt problems you may be considering bankruptcy. It is important to understand what bankruptcy is and whether it is the right option for you.

Mortgage Debt Information
[Real-Estate:Mortgage-Refinance] Increasingly, lenders and charities are seeing home owners handing over the keys of their homes to building societies and banks. People are getting deeper into debt and the main debt is normally their mortgage, which causes deep anxiety and stress. It seems that they are the end of their tether and feel that they can't stand the thought of actually meeting the issues to be faced by letting it get to the stage of court proceedings.

Car Insurance - How Big a Risk is a Woman?
[Insurance] Interesting comparisons are made between the risks ascribed to male and female drivers for car insurance purposes. Although young males pose a far greater risk than females at that age, the differential closes to equality at the age of 40 and tends to tilt the other way for people in their 60s.

Millions Face Mortgage Misery As Endowment Policies Fall Short
[Real-Estate:Mortgage-Refinance] Is your mortgage backed by an endowment policy? Then you should read this article although you're unlikely to be happy at what you learn.

Steps to Cut Credit Card Fraud
[Finance:Credit-Tips] Credit card operators are introducing new systems to winkle out fraud. But these new systems will mean you should expect to have some of your transactions queried or even refused. This article asks why, and what can be done about it.

Life Insurance - How Much Cover Do You Need?
[Insurance:Life-Annuities] If you're planning to take out some life insurance cover, you really need to consider what the amount should be. Think about exactly how much your dependents would require to keep up a comfortable life style.

What - No Life Insurance Cover?
[Insurance:Life-Annuities] Can you believe it? Millions of people have no life cover in place. This could cause unbelievable hardship and the results don't bear thinking about.

Life Insurance Means Re-Assurance
[Insurance:Life-Annuities] Have you got some life insurance in place? Possibly more importantly, have you cover for if you're ill and unable to work? Read on for more reasons to think about it.

Got Everything Covered - Including Life Insurance?
[Insurance:Life-Annuities] If you're thinking of applying for some life insurance cover, don't fail to check out the small print. It's important to find out exactly what's covered - and what isn't. Take care not to miss anything.

Take Care - Take Life Insurance Cover
[Insurance:Life-Annuities] The incidence of skin cancer is increasing. This is a worrying fact and recent findings show that a third of people will be diagnosed with some form of cancer. Learn more.

Do Polypills Mean Perkier Parrots?
[Health-and-Fitness:Supplements] There's lots of enthusiasm for a new "Polypill" - a five in one combination pill to prevent heart problems. If these pills become widely prescribed, how long might it be before life insurance companies favour the pill-poppers?

Calculating Your Life Insurance Cover
[Insurance:Life-Annuities] Many people find it difficult to assess just how much life insurance cover they need, but basically it's quite simple to work out. To ensure settlement of debts, you'll just need to calculate everything you owe.

Understanding Life Insurance Policies
[Insurance:Life-Annuities] Do you really understand the various terms on life insurance? What happens if you're not covered? Find out all about it.

Critical Illness Cover - Your Choice
[Insurance:Life-Annuities] Critical illness insurance costs are rising and in addition life-threatening conditions are being re-assessed. Maybe it's time to make your own assessments as far as your insurance is concerned.

Would You Believe It?
[Insurance:Life-Annuities] As your parents told you, always tell the truth. One place where this advice holds particularly good is on insurance application forms. It's not worth it.

Car Insurance Costs Are on the Up
[Insurance:Car-Auto] As if the British public have not suffered enough in the credit crunch, we now learn that car insurance premiums are expected to soar by a record 20 per cent this year. The rising tide of of personal injury claims coupled with the increasing cost of fraud are fueling increases for the Britain's 33 million motorists.

Grannies on the Go - Travel Insurance For Oldies
[Insurance:Travel] Many of the older generation are envious of today's young people's gap years spent traveling the globe and seeing different countries and cultures. Many have to wait until they are senior citizens before they have an opportunity to travel, and even if they don't want to back-pack around India, they often find that getting insurance is a real problem.

On the Spot Fines For Motorists Responsible For Minor Accidents
[Automotive] On the spot fines for minor motoring offences are on there way. This article looks at the situation and reports what the police are saying.

Drivers Who Modify Their Cars Must Inform Their Insurer Or Risk Losing Cover
[Insurance:Car-Auto] Some drivers are getting into trouble with their insurers because they did not inform them that their car was modified. Sometimes the driver did not even realise that the car was modified! This article sheds some light on the situation.

Solving Travel Insurance Problems
[Insurance:Travel] Many of us travel abroad each year. However, are you fully covered in the event of an accident or if you are taken ill? The answers to these frequently asked questions should help.

The Basics About Medical Insurance
[Insurance:Health] Firstly what is private medical insurance? Private medical insurance (known as PMI) enables you to bypass National Health Service (NHS) waiting lists and get fast-tracked consultations and private treatment. But the insurance only cover short-term, curable medical problems. You are then treated privately in a private or NHS hospital depending on the treatment you need, the consultant you are using or the terms of your policy.

Pet Insurance Will Work With the Right Policy
[Insurance:Pet] Pet Insurance - The cost of getting your pet back to health after an illness or an accident can be astronomical as vets' fees rise. Having a pet insurance policy in place will reassure you that should anything untoward happen to your pet you will be covered. But make sure it is the right policy and that it will provide adequate cover when required.

Make Money From Using Your Home
[Finance:Wealth-Building] This article looks into the increasing popular way to make money from your home. People are making large amounts of money from hiring out their homes to use in films, adverts and TV.

Now Even Man's Best Friend is Feeling the Pinch
[Pets:Dogs] For the first time, Battersea Dogs Home reported recently that they had almost reached full capacity with many more dogs and other animals being brought into the home. Another charity - The Dogs Trust - in an article for The Times newspaper reported a similar story.

Husband's Secret Forces Widow to Sell Her Home
[Finance:Debt-Management] This article talks about the heartbreak faced by one lady after her husband died. Not only did she have to cope with her loss but also deal with shock that her husband had left her with masses of debts.

Credit Card Debt - Take Care
[Finance:Credit] Is your home safe? Even if you're up to date with your mortgage repayments, falling behind with other debts could lead to problems. Check this out.

Private Education - A Constant Battle to Fund Fees
[Finance:Personal-Finance] How parents are dealing with the continuing rise in school fees year after year. Statistics are used to illustrate the current level of fees, as well as the types of family that are sending their children to private school. The fixing of fees by leading UK public schools is also discussed.

Mortgage and Loan Rates Could Rise
[Real-Estate:Mortgage-Refinance] The Competition Commission has banned lenders from selling Payment Protection Insurance whilst selling the credit agreement. Some commentators are worried that lenders are already increasing interest rates in order to protect their profits. This article examines the situation.

It Doesn't Pay to Switch Your Home Loan These Days
[Finance:Home-Equity-Loans] Borrowers are switching mortgage deals less than before. With standard variable rates so low there's no incentive to change. You pay to switch.

Sleep Tight My Lovely Furry Friend
[Insurance:Pet] Vet fees are going up, cash is getting tighter - so more owners are forced to put their pets to sleep. This article explains the disturbing facts and tells you what to look out for in a good policy.

Would "Pay As You Drive" Car Insurance Work For You?
[Insurance:Car-Auto] If you have a low annual mileage, "pay as you drive" car insurance may be for you. This article explains how it works so that you can judge for yourself.

Rising Veterinary Costs Mean Pet Insurance Could Be a Smart Move
[Insurance:Pet] The cost of veterinary care is shooting through the roof so more and more people are getting pet insurance. What cover can it provide and is it worth it? This article investigates.

The Facts About Payment Protection Insurance
[Insurance] You may not have heard of the term PPI or payment protection insurance, but there is a high probability you will have been asked if you want it. There are 20 million PPI policies existing in the UK. They are meant to cover you when you take out a form of credit, in case you are ill or unemployed and cannot meet re payments. However, the PPI market has been full of difficulties.

Make Money From Your Spare Room
[Real-Estate:Leasing-Renting] This article looks at the growing trend to rent out a spare room. As homeowners struggle in these hard times people are turning their spare rooms into cash. Read on to find out what you could be making from that empty room in your house!

Your Home is Your Castle - But it Might Be Rented
[Real-Estate:Leasing-Renting] Not everyone can afford to buy their home, and not everyone wants to. Renting is an option which is more popular now than at any time since Mrs Thatcher encouraged Britain to become a nation of property owners. There are things to be careful of before you sign on any dotted lines.

Parents Are Borrowing to Educate Their Children
[Finance:Loans] As parents grow disillusioned by state education, a growing number are taking out loans to educate their children privately. This article looks at how many are doing just that.

Card Fraud is on the Increase
[Finance:Credit] This article looks at the increase in card fraud. The banks are fighting back though by introducing high tech equipment that will screen every transaction.

Pensioners Are Feeling the Pinch As Interest Rates Fall to a Record Low
[Finance:Personal-Finance] Interest rates have been cut across the board and it is difficult to get any return on savings. Below we explain the full extent of the situation as it hits an all-time low.

Credit Card Companies Finally Have to Be Fair
[Finance:Credit] Credit card companies now have to be fairer to customers. If they do not make commitments to treat customers fairer then they will be investigated. This article looks into what all this means.

High Interest Causes Store Card Debts
[Finance:Debt-Management] Millions of us use store cards but are they aware of the horrendous levels of interest they charge? This article explains how the cards work and provides some valuable advice.

Renting is Not As Buoyant As it Used to Be
[Real-Estate:Property-Management] People who bought properties to let are finding the market very difficult with the glut of rental properties now available. Below we explain why letting agencies have so many houses on their books and how landlords can secure a let.

Household Wealth Drops - Will it Ever Recover?
[Finance:Personal-Finance] Household wealth has plunged during the last two years. This article looks at what has happened and ahead at what will happen when the property prices do eventually recover.

The Property Market Sleeps - Can We Wake it Up?
[Real-Estate] The property market is very sleepy at the moment and estate agents, vendors and home designers are thinking of innovative ways to improve sales. Below we explain what is happening to wake the market up...

Repossessions Continue to Rise As Recession Carries On
[Real-Estate:Foreclosures] In these credit crunch times, it is a sad fact that more and more homes are being repossessed - and the trend is for the numbers to keep rising further. Statistics from City watchdog the Financial Services Authority reveal some staggering figures regarding home repossessions: Repossessions climbed by almost 100 per cent last year, with 13,161 families being evicted between June and September alone - meaning that 1 family was being evicted every 10 minutes, after failing to keep up with mortgage payments on their homes.

Banks Are Under Pressure to Cease Selling PPI
[Insurance] Payment protection insurance is sold to cover the repayments on credit cards and unsecured loans in the event of unemployment. Beware of one of these policies, you need to understand the cost and what the policy covers.

Payment Protection Insurance Has an Over-Haul
[Finance:Personal-Finance] An article looking into The Competition Commissions proposals regarding sales of Payment Protection Insurance. It seems changes are in view.

Credit Insurers to Be Hit by a Massive Rise in Premiums
[Finance] A review of the reinsurance market as the world slides into recession. The withdrawal of insurance for many high street names by reinsurers.

Wheelie Good Bike Insurance
[Insurance:Personal-Property] Have you really, really read the small print on your insurance documents? Read about some-one who didn't!

Job Description and Car Insurance
[Insurance:Car-Auto] Squirting soda up a Scotsman's kilt almost cost me my car insurance. Read this article to find out why!

Insuring Possessions at Uni - Advice to Parents and Students
[Insurance:Home-Owners-Renters] A comprehensive overview guides you through the factors to be considered when insuring the possessions of students attending college or university. Practical advice is given from such mundane things as ensuring doors and windows are locked, to the best way of sourcing the right insurance cover for students in particular circumstances.

Tell the Truth When it Comes to Insurance
[Insurance:Personal-Property] As the credit crunch deepens, insurers are stepping up their scrutiny of insurance applications and claims. There has been a widespread increase across the industry of people falsifying information in order to save themselves money.

Protect Yourself From Identity Fraud
[Finance:Personal-Finance] With identity fraud increasing in the UK, people need to be aware of what action to take if they become a victim. Time is of the essence, and prevention and protection against future scams is well worth the effort.

Credit Crunch - Shopping For Bargains
[Shopping-and-Product-Reviews] The continuing credit crunch is changing the way we shop. The high street is full of discounted offers, especially in the holiday sector. Consumers are becoming increasingly resourceful in the way they shop, switching to products that are on offer or opting for budget stores.

Differing Interest Rates
[Finance:Loans] This article takes a look at why, if you apply for a loan, you might receive a different interest rate to that advertised. There are a number of reasons, so read on to find out what they may be.

Repossessions Jump by More Than Half
[Real-Estate:Foreclosures] As the recession takes a firm hold, the number of repossessions is steadily increasing. This article looks at the facts and figures behind many heartrending human stories. The action being taken by the Government is reviewed and the opinions of housing charities are aired.

Home Rental Market Flooded?
[Real-Estate:Homes] The buy-to-let market has experienced problems, but there could be signs that the market could be bottoming out. What can the buy-to-let investor do now? This article investigates.

Car Owners Are Now Hit With Negative Equity
[News-and-Society:Economics] Not only are homeowners faced with negative equity, research has found that car owners are now facing it too. Due to the prices being cut some owners who have finance deals will find that they are paying back more than the car is worth.

Ahoy There - Anyone For a House Boat?
[Real-Estate:Homes] If you are looking for something different, consider a house boat! This article provides some basic information regarding both costs and how you can raise a mortgage.

Six Ways to Increase the Amount You Can Borrow on a Mortgage
[Real-Estate:Mortgage-Refinance] The Financial Services Authority (FSA) is already pressurizing lenders to implement these much tougher lending limits and it is preparing a report, which will be due out later this year, on the subject. In response to the credit crunch and falling property prices, all UK lenders have already withdrawn 100 per cent mortgages, but the lending rules finally issued by the FSA are expected to ban anything over 90 per cent, except in anything but the most exceptional circumstances.

The Recession is Making Repossessions Soar
[Real-Estate:Foreclosures] As home repossessions rise in the recession, this article look at the situation and comments on what is being done to help those in mortgage arrears. Not happy reading but if you know someone in financial trouble, read on.

Winners and Losers After Base Rate Cuts
[Real-Estate:Mortgage-Refinance] This article looks at the winners and losers of the Bank of England's base rate cuts. Those with tracker mortgages are saving considerable amounts of money.

The Jobless Will Struggle to Remortgage
[Finance:Debt-Management] If you are unemployed, what happens when the special deal period on your existing mortgage comes to an end? This article looks at the situation and gives some advice.

Are Charges For Mortgage Arrears Unfair?
[Real-Estate:Mortgage-Refinance] Debt advisers have criticised the administration charges made by mortgage lenders when homeowners fall behind with their monthly payments. This article explains.

Some Mortgage Hints and Tips
[Real-Estate:Mortgage-Refinance] As recently as 2 years ago, it seemed mortgage deals literally "grew on trees". Lenders were falling over themselves to give the best deals with the lowest deposits. Now, as the credit crunch bites, things have changed. A little research, and our guide, could help you to find the best answers to your mortgage questions.

Avoid the Pitfalls When Buying a House
[Real-Estate:Buying] Folks are still purchasing houses, whether because of altering circumstances such as marriage, divorce, or just to make the most of what some think is a cut throat market. But if you still want to move, how can you take advantage of your investment and avoid common and costly pitfalls?

Shared Appreciation Mortgage Holders Use New Laws Against High Street Banks
[Real-Estate:Mortgage-Refinance] A group of home owners with so-called shared appreciation mortgages have taken the first step towards suing their lenders. Read this article to see how they went about it.

Middle Class Homeowners Fear They Will Not Be Able to Repay Their Mortgage
[Real-Estate:Mortgage-Refinance] A recent survey on the housing market reports that 48 per cent of high - earning professionals are worried that they will not be able to maintain their mortgage payments next year. Clearly, the credit crunch is having serious repercussions across all sectors of society.

Life Insurance - Consumer Test
[Insurance:Life-Annuities] Life insurance is unusual - it's actually been falling in price. There are various types of life insurance cover available in the market and this article provides a brief introduction.

Law and Tax Aspects When Getting Onto the Property Ladder
[Finance:Taxes-Property] This article looks at law and tax implications on parents who invest in their children's homes. Many people do not realise the amount of tax they need to pay when they sell the property. Read on for more information.

Some Tips on Getting Good Deals on Property
[Real-Estate:Buying] The present glitch in the property market does have some positive aspects. You can strengthen your negotiating power if you do your homework, as we explain below.

Free Flights on a Credit Card
[Travel-and-Leisure:Airline-Travel] Free flight offers by some credit cards are tempting. Check the terms to see if it's worth it to you. You could lose the savings if you don't pay the card off in full.

Contents Insurance - Get Your Level of Cover Right
[Insurance:Home-Owners-Renters] Contents insurance is a valuable and sensible tool. But make sure you insure yourself for the right value and don't under insure. Read on for more details.

Loan and Mortgage Rates Could Rise
[Real-Estate:Mortgage-Refinance] The Competition Commission has banned lenders from selling Payment Protection Insurance whilst selling the credit agreement. Some commentators are worried that lenders are already increasing interest rates in order to protect their profits. This article examines the situation.

Insurance Fully Covered
[Insurance] This article looks at different aspects of insurance. It gives you tips on how to save money - something we all need in this current climate.

Insurers Agree on Flood Protection Deal
[Insurance:Flood] Why insurers have agreed to a flood protection deal, and what the benefits are. The following article explains.

Making a Flood Claim on Your Home Insurance
[Insurance:Flood] The steps you should take after being flooded are discussed. A warning is given about visitors to your home, who impersonate Water Board officials. The steps you should take to verify whether they are genuine are reviewed.

Beware of Sinking Properties!
[Insurance:Home-Owners-Renters] Looking to buy home insurance? Be careful of properties with subsidence. This type of property could cause you problems. This article explains.

Debt Advice - Where to Go
[Finance:Debt-Management] Are your debts worrying you? There's advice for people trying to balance their mortgage repayments, credit cards and loans. It's confidential and don't worry - they've heard it all before.

Lenders Plan to Ease Home Repossessions Ahead of Boom in Mortgage Defaults
[Real-Estate:Mortgage-Refinance] The UK Government have put pressure on mortgage lenders to minimise the levels of repossessions due to payment defaults. This article looks at how the lenders are responding.

Need Advice on Debts? Which Service Should You Turn To?
[Finance:Debt-Consolidation] If you are under pressure from creditors, you need to read this article. It outlines the three main debt advice services and describes the services they offer.

Female Bankruptcies Soar
[Finance:Bankruptcy] In recent years bankruptcies involving women have increased drastically. This article looks at the trends and examines the reasons.

Children to Be Taught How to Avoid Debt
[Finance:Debt-Management] When it comes to learning about debt, the UK Government thinks it pays to start whilst you are young. This article provides the background and explains what is happening.

London Sees Largest Drop in House Prices
[Real-Estate] Latest figures have revealed that house prices in London are dropping quicker than anywhere else in the UK. There has been a drop of nearly 10 per cent on the average house in the last 12 months, according to price monitors Housetrack; this compares to a figure of 8.1 per cent for the rest of the country.

Mortgage Approvals Fall by 60 Per Cent in One Year to Reach Record Low
[Real-Estate:Mortgage-Refinance] The mortgage market slump in Britain means not only that property values are falling and houses remain unsold but also that homeowners looking to secure a new mortgage on their current property are facing increasing hardship. The best deals are given to those with a high LTV.

House Prices Will Not Recover Until 2016
[Real-Estate:Mortgage-Refinance] The demise in house prices is forecast to continue for at least another year with the stamp duty holiday failing to kick start the market. Recovery times will differ according to where you live. Yet again, mortgage providers are being blamed for not giving cheap loans.

Mortgage Rates Have Changed
[Real-Estate:Mortgage-Refinance] Is your mortgage coming to an end? If so you need to understand how mortgages have changed. Read this article to see how you could benefit by shopping around.

Cheap Homes For Sale in the Slump
[Real-Estate:Buying] Are you thinking of buying a new house in the UK? If so you may just benefit from knowing which areas have suffered in the slump.

More Parents Borrow to Put Their Children Through Private Schooling
[Finance:Loans] The recession is straining a family's ability to afford to send their children to private school. So many parents are bridging the financial gap with a loan. This article looks at the situation.

Home Contents Insurance - The Facts
[Insurance:Home-Owners-Renters] This article reviews the different types of home contents insurance and how you should choose the best deal for you. Useful for beginners.

Homes at Risk of Flooding Could Be Banned by Insurers
[Insurance:Home-Owners-Renters] Flooding is becoming an increasing problem for the UK's insurance companies. This article looks at the situation and lists the six areas most at risk.

Does Your Loan Qualify For a "Typical Rate"?
[Finance:Loans] If you apply for a loan and the interest rate you are quoted is higher than the rate the lender has been advertising, there mat be something wrong with your credit record. This article explains and considers what can be done about it.

Juggling Your Credit
[Finance:Credit] It is so easy to get into debt and so difficult to get out of debt, but sometimes a consolidation loan can help. You just need to be very focussed to ensure that you begin to effectively control your finances. This article explains more.

Some Tips to Beat Loan and Credit Fraudsters
[Finance:Loans] There are lots of ways you can help to protect yourself from loan and credit card fraudsters. This article tells you some of the things to be aware of.

Payment Insurance Ban on Loans Sold by Lenders
[Finance:Personal-Loans] The rules surrounding the sale of payment protection insurance are changing to make the sale of the insurance much more transparent. But lenders claim this could mean they have to increase interest rates. This article explains.

Loans - Gumshoes Will Track You Down
[Finance:Loans] Lenders need information about borrowers finances if they are to recover delinquent loans. So more and more lenders are turning to private investigators for assistance. This article reports.

The Advantages and Disadvantages of Secured Loans
[Finance:Loans] There are many pros and cons for having a secured loan. Be sure you fully understand all about secured loans before applying for one.

Home Repossessions - The Grim Picture
[Real-Estate:Foreclosures] How the Financial Services Authority is handling the treatment of homeowners who fall behind with their mortgage repayments. Research is reviewed which reveals the true extent of the difficulties faced by homeowners and the ages of people most at risk, as they struggle to make their mortgage repayments.

Seeking a Mortgage? Some Important Information You Will Need to Know
[Real-Estate:Mortgage-Refinance] The 'loan to value' or LTV is one of the key measurements for mortgage lenders. It measures the amount of money you are borrowing in comparison to the value of the property you are buying and it is expressed as a percentage of the value of the property. Therefore, if you are buying a property worth 185,000 pounds and want to borrow 166,500 pounds, your LTV is 90 per cent.

Mortgage Fees - Key Costs
[Real-Estate:Mortgage-Refinance] If you are buying a house, it is not only the cost of the mortgage that needs to be considered but also the cost of the fees. This article contains some facts about the cost of taking out a mortgage.

The Banks - Full of Excuses, Again
[Real-Estate:Mortgage-Refinance] The reasons for having difficulty in obtaining a loan are outlined. The days of easy credit are contrasted with the much tighter criteria that are imposed nowadays. The characteristics of a perfect applicant for a loan are reviewed.

Survey Reveals Poor Advice on Mortgages
[Real-Estate:Mortgage-Refinance] A review of the Which? Report on the mortgage market, which is highly critical of many major lenders. The criteria for choosing an adviser, checking on affordability and paying off a mortgage early are also discussed.

Been Mis-Sold? Claim Yourself Or Pay Through the Nose
[Insurance] The way claim management companies charge extortionate fees for doing very little work. Some advice on submitting a claim yourself.

Make Sure You Have the Right Protection
[Insurance] One form of protection that most of us need but very few have is income protection (IP). The financial services industry are to blame for the majority of this, as when you take out a loan or mortgage, you will come away with some form of protection policy but the problem with that is that it is usually the wrong one.

Credit Card Firms Could Be Investigated For Unfair Practices
[Finance:Credit] Credit card companies have been warned that they could face an official investigation if they fail to stamp out unfair practices. Lord Mandelson, the Business Secretary said that he would have 'no hesitation' in requesting the Office of Fair Trading to investigate firms which take inadequate action over complaints from consumers about unreasonable behavior.

A Boom Funded by Personal Debt - Harsh Lessons to Be Learned
[Real-Estate:Mortgage-Refinance] Until now the blame for the financial crisis has been directed towards the large investment banks and complex derivative instruments which no one understood. The sub-prime US housing market, which was fuelled by so called financial innovations, may have triggered the impending recession, but the real economy should shoulder some of the blame.

Banks Drag Their Heels When it Comes to Reducing Interest Rates
[Real-Estate:Mortgage-Refinance] This article looks at the banks reaction to changes in the Bank of England's base rate and the resultant cost of mortgage finance. On balance, the outlook for cheap mortgages is not as rosy as it would first appear. This article explains.

Tracker Mortgages Are Becoming More Expensive
[Real-Estate:Mortgage-Refinance] Tracker mortgages used to be priced very close to base rate. No longer. This article investigates why and looks ahead to what may happen.

Finding a Solution For Mortgage Arrears and Repossession
[Real-Estate:Mortgage-Refinance] Many people are finding themselves in difficulty with their mortgages. There can be solutions and ways to prevent you from getting into more debt or worse, losing your home, as explained below.

What a Good Mortgage Adviser Should Do
[Real-Estate:Mortgage-Refinance] You need good advice when taking out a mortgage. Make sure you choose an authorised mortgage adviser to help you get the best deal. He needs to adhere to FSA rules.

Talk to Your Lender If You Have Arrears and Are Facing Repossession
[Real-Estate:Mortgage-Refinance] If you are having difficulty maintaining your mortgage repayments, read this article. It looks at the problem, provides general advice and tells you where you can find professional debt advice.

Contents Insurance - Your Questions Answered
[Insurance:Home-Owners-Renters] A Question and Answer session on home contents insurance. An easy to read article which explains the basics of Contents Insurance.

What Happens If You Fall Behind on Your Mortgage Repayments?
[Real-Estate:Mortgage-Refinance] This article examines the situation if you fall into mortgage arrears. It also considers some of the remedies that can help you to remain in your house. Read on.

A Brighter Horizon?
[News-and-Society:Economics] Looking for a silver lining in the current recession? The Chancellor appears to be - and we hope he's proved right. It may be quite a long way in the future, though.

How to Get Help With a Property Deposit Through the Open Market Homebuy Scheme
[Real-Estate:Building-a-Home] This article explains how the Government's Open Market Homebuy Scheme works. It will be of special interest to first time buyers, especially teachers and nurses and other "key workers".

Moving to a New Home Insurance Policy
[Insurance:Home-Owners-Renters] Switching your home insurance provider could save you quite a lot of money. This article tells yo how to do it and suggests ways to save even more money.

Claiming on Your Building's Insurance
[Insurance:Home-Owners-Renters] An article looking at claiming on your buildings insurance and the best ways of doing this. It explains when to make a claim and how to do it.

Problem Solvers - Buildings Insurance
[Insurance:Home-Owners-Renters] Some frequently asked questions about building insurance cover. The article looks at various ways to cover your property and what happens if you live in a high risk area.

Time For Travel Insurance?
[Insurance:Travel] Off on holiday? Then you'll need travel insurance. This article gives you the basics of what you'll need to buy plus a few helpful hints.

How Travel Insurance Works
[Insurance:Travel] Travel insurance can be for a single trip or for multiple trips over the year. Make sure you have enough cover for loss of your possessions. The main benefit is medical cover.

Buying Travel Insurance - Make Sure You Have the Right Policy!
[Insurance:Travel] Travel insurance is essential, especially for medical cover abroad. Buy it independently from your travel agent. Check your home insurance and your credit card for existing cover.

Travel Insurance and Lost Luggage
[Insurance:Travel] There's a certain sinking feeling that only comes at your holiday destination as you watch the luggage carousel go round and round and round before you have to accept your bag is not going to appear!This is NOT the time to start wishing you had baggage cover - think before you leave - and save yourself a lot of trouble!

Travel Insurance - Don't Leave Home Without It!
[Insurance:Travel] These days, with last minute flights and holiday bookings it can be easy to overlook a vital component of your holiday - the insurance. For many, an annual policy works out best, especially if you make a lot of trips throughout the year, for others, a single trip policy is better. Misfortunes on holiday can be tiny or titanic, and a comprehensive insurance policy is vital to cushion you from the possible consequences.

Problem Teeth But No NHS Dentist?
[Insurance:Dental] There are pros and cons for dental insurance and dental plans, mostly cost. We give you one person's views and give some tips on finding an NHS dentist.

Dentist's Fees Are More Than Bracing
[Insurance:Dental] Dentist's fees are extortionate and as a result many people avoid going. We reveal here what the actual costs can be and give some advice as to how to budget for dental work.

Dental Insurance - What is a Capitation Plan?
[Insurance:Dental] If you have a history of dental problems a capitation plan is sensible and cost effective. We explain what a capitation plan is and the cover that one offers.

Dental Care - Where Now?
[Insurance:Dental] Since the shake up in dental care, NHS dentists seem to be an endangered species. It's not easy for find one willing to take on new patients. There are several alternatives, from simple basic care through to fully comprehensive top of the range treatments.

British Dentistry Virtually Matches the State of the UK's Teeth
[Insurance:Dental] This article comments on the results of the latest Adult Dental Health Survey. The UK's dental care seems to be at a breaking point. Time for dental insurance?

New Bathroom Or No Husband?
[Insurance:Life-Annuities] Short of money for a hit man - no problem. Take out a loan and look forward to the life insurance payout.

Severe Penalties For Using a Mobile Whilst Driving
[Legal] The hard line taken by insurers for drivers caught on their mobile phone is reviewed. A representative from the AA gives his opinion on the increasing use of mobile phones whilst driving. His views are supported by an AA survey, as well as national statistics.

Life Insurance If You Are Gay
[Insurance:Life-Annuities] New proposals are being discussed to improve the provision of life insurance for gay people. At present, there is much discrimination with insurance companies often insisting on HIV testing for gay men and increasing premiums even if the result is negative. Obtaining insurance at a fair premium is not impossible but it is recommended you use an Independent Financial Advisor who specialises in gay insurance to help you through the minefield.

Car Insurers Consider Your Career
[Insurance:Car-Auto] According to figures from the Automobile Association (AA), professional workers such as solicitors are often paying 10 to 20 percent less for car insurance than those in lower-paid manual jobs. The risk assessment which car insurance companies carry out before giving you a quote includes factors like your age, sex, where you live and your driving history. It also considers your employment.

Car Insurance - Finding the Best Deals
[Insurance:Car-Auto] Until now, competition has helped to keep premiums stable, but will this last, as insurers pay out more than they receive? Young drivers make the majority of legitimate claims, but mature drivers are subsidising their payouts. To rectify the balance, suggestions are made on how mature drivers can reduce their premiums.

Tips For Buying Car Insurance
[Insurance:Car-Auto] You can make very good savings if you know how car insurers operate. We offer some useful tips and guidelines when shopping for a good deal.

Life Without Insurance For Tumour Sufferers
[Insurance:Life-Annuities] Obtaining life insurance if you have suffered from serious cancer or had a heart attack is impossible, at least for a few years, even if you do make a full recovery. Usually applications will be considered after around five years but premiums are heavy. In some cases they can be up to 10 times more expensive than standard rates.

What You Have to Do to Cancel Your Payment Protection Insurance Policy
[Insurance] Many Payment Protection Insurance policies have been mis-sold as a result of people buying them without really understanding them. We explain below how you can cancel your policy and how to get a fair refund on policies paid up front.

Income Protection Insurance - The Hard Facts
[Insurance] Income protection insurance is a valuable cover. Work out how much you would need - it may surprise you.

A Rise in Redundancy Threatens the Future of Unemployment Insurance
[Insurance] The reasons why providers are withdrawing unemployment insurance policies from their portfolios. Advice on what to look out for when considering a policy of this kind.

Other Ways of Protecting Your Pay
[Insurance] Advice is given on sourcing alternatives to payment protection insurance. State benefits for the unemployed are reviewed, including recent changes to legislation, which may effect you.

Income Protection Insurance As an Alternative to Payment Protection Insurance
[Insurance] What is the difference between income protection insurance and payment protection insurance? You may need to know to make sure you have the right insurance. This article explains.

The Importance of Mortgage Protection Insurance
[Insurance:Home-Owners-Renters] The way Mortgage Payment Protection Insurance works is outlined and the likely costs involved are illustrated. Why MPPI is so important and ways to source the best deals are suggested. Pitfalls to look out for are outlined.

Should Have Had MPPI!
[Real-Estate:Mortgage-Refinance] You know the advertisement "Should have gone to Specsavers!" - Well for many people "Should have had Mortgage Payment Protection Insurance" may well be more relevant. It's too late by the time you're made redundant, so think about it now.

It Has to Be Mortgage Payment Protection Insurance
[Real-Estate:Mortgage-Refinance] We are experiencing extraordinary changes in financial security. After years of job security, job losses are now becoming the norm in virtually all sectors and it's becoming more and more essential that homeowners protect themselves against loss of income.

Mortgage Payment Protection and More
[Real-Estate:Mortgage-Refinance] This article looks at 3 different types of protection insurance you can take out. These are needed if you are made redundant, are sick, ill or have an accident to cover bills you will still have.

The NHS Or the Patient to Pay?
[Finance:Loans] A sad case highlights the ethical dilemma posed by advances in medical science concerning who should pay for expensive medical treatments. A woman was spared jail after taking out loans for £1000 in false names to pay for her grandmother's treatment for Alzheimer's.

How Much Life Insurance Cover Do I Need?
[Insurance:Life-Annuities] A step by step guide to calculating how much life insurance cover you should take out. The many things you need to consider, such as immediate cash requirements and ongoing annual income for your dependents following your death, are considered.

Life Saving Cancer Test Could Become Reality
[Cancer] Some encouraging news regarding groundbreaking tests for major cancers could ultimately change the way that life insurers look at their terms. Read on for more details.

Make Your Life Insurance Fit For Your Needs
[Insurance:Life-Annuities] You need to plan for your family's financial survival when you die. You have to decide on the right life policy or policies. Get advice or do it online.

Critical Illness Premiums Up For Some
[Insurance:Life-Annuities] The effect of advances in medical science on Critical Illness policies. The benefits afforded by reviewable policies.

Life Insurance Needn't Break the Bank
[Insurance:Life-Annuities] With the lowest cost for years, life insurance is affordable. More and more people are realizing this, but watch for some of the things that could make it more tricky.

How Ill Do You Have to Be to Make a CIC Claim?
[Insurance:Life-Annuities] Nowadays we live longer, even with a 'life-threatening illness'. Insurers are re-defining this term. Reviewable CICs will cost less than guaranteed cover.

Women Retiring at 60 Are Losing Money
[Home-and-Family:Retirement] Greedy insurance companies are taking money from the pension pots of women who are retiring at the state pension age of 60. In the 1980s a large amount of personal pensions were sold to women. This allowed insurers to cut the value of their savings if they retired before their 65th birthday, even though retirement age for women is 60.

What Are Whole Life Policies?
[Insurance:Life-Annuities] 'Whole of life' policies are generally offered by most insurance companies. These policies guarantee to pay the sum assured on the death of the insured person, whenever that happens.

Term Life Insurance
[Insurance:Life-Annuities] Once you have a family of your own you worry about what will happen to them after your death. It is a fact of life, so face up to it and find out how life assurance works. You could actually save money if you choose the right one for your family, and that can't be bad.

Prevent the Uninsured From Pushing Up Premiums
[Insurance:Car-Auto] There are nearly 1 million uninsured drivers menacing Britain's roads which equal 1 in 20 motorists. Insurers and police say that it is rife on all social levels. Even a well paid famous footballer was caught driving on the M6 without insurance.

Low on Health Cover, Big on Small Print
[Insurance:Life-Annuities] The need for clarity and honesty when writing critical illness policies. This article explains.

Businesses Face Huge Bank Charges
[News-and-Society:Economics] High-street banks are still hitting businesses with retaliative interest rates for overdrafts and loans and furthermore, are resorting to increasingly severe measures to make sure they are paid. Some are demanding that proprietors of small businesses use personal assets as collateral in exchange for a business loan. This article explains.

Vegetarians are Given a Life Insurance Carrot
[Insurance:Life-Annuities] An innovative new product has been developed by Animal Friends Insurance. The life insurance policy offers discounted premiums to vegetarians, based on evidence that they are at a lower risk than their meat-eating counterparts of developing certain diseases. It remains to be seen whether other insurance firms will follow AFI's lead.

Car Insurance Tips
[Automotive] There are numerous ways to reduce your annual car insurance premium. These handy tips spell out why you should pay annually, why you should keep your excess high and why not to pimp your ride. Shop around and never accept a renewal quote!

The Need For Payday Loans Soars
[Finance:PayDay-Loans] An article looking at how the rising costs of living are forcing people to borrow from elsewhere, such as payday loan companies. Since September, due to the soaring cost of living, the amount of payday loans issued has risen by roughly 55 percent.

If You Draw Cash on Your Credit Card You Will Be Out of Pocket
[Finance:Loans] Credit card issuers have increased rates on credit card cash advances by over 2% and been accused of profiteering. Below we explain just how costly this can be.

Liverpool Loses Out With Car Insurance
[Insurance:Car-Auto] The insurance industry says rural areas, for example, the Scottish Highlands and Perth are the cheapest areas in which to insure a family car. The most expensive area now is Anfield in Liverpool having taken this dubious title from the M23 post code area of Manchester which was where the most expensive premiums were previously.

Mortgage Protection is Becoming Essential For Homeowners
[Insurance:Home-Owners-Renters] Protecting your income is important if you own a home although only a quarter of homeowners have it. Some say it should be compulsory but that the lenders should foot the bill, as we explain below.

Rate Your Chances of Obtaining Credit
[Finance:Credit] You need a good credit rating in order to borrow. Check your records if you are refused credit. You can improve your rating.

Can You Really Afford That Holiday?
[Finance:Loans] Millions of us take holidays every year. This article looks at the debt people are getting themselves into just to make the holiday possible. Perhaps it is time to think of the consequences before you hit that book it now button.

Guaranteed Or Reviewable Critical Illness Cover? Your Options Explained
[Insurance:Health] The reasons for the escalating cost of Critical Illness Cover are explained. The ways in which insurers are reacting to the increased longevity of people following the introduction of many new life saving medicines and procedures are reviewed.

The Fight Against Card Fraud
[Finance:Loans] Banks and customers all agree that card abuse is on the increase. New technology will always bring new concerns, and we must all play our part to keep our personal details safe from criminals.

The Best Personal Loan For You
[Finance:Loans] Loans can be taken out for your personal use. Terms and interest rates vary. Do you really want loan protection insurance.

Don't Lose Your Home For a Thousand Pound Debt
[Real-Estate:Foreclosures] You could be forced to sell your home over a very small debt. Use of charging orders has increased dramatically. Currently there is no minimum limit of debt at which you could be forced to sell.

Check Those Loan Figures Before You Sign!
[Real-Estate:Mortgage-Refinance] Whatever the outlook was 12 short months ago, things alter. It's time to re-assess your finances and do some checking-up.

The Loan on Your Doorstep
[Finance:Loans] Doorstep lenders specialise in small amounts, at high interest rates. The market grew following recession. It is less popular now as high street lenders cater for borrowers with poor credit ratings.

Personal Loans and Interest Rates
[Finance:Personal-Loans] At the moment, prospective borrowers from right across the job spectrum, from stockbrokers to sales assistants could apply for a personal loan and be charged the same interest rates from the Nationwide. However, Nationwide has announced they are introducing a risk based system where prospective borrowers on lower incomes will be charged higher interest rates, whilst those earning higher salaries will pay lower rates.

Loans and Charging Orders
[Finance:Loans] Creditors have several options available to them to recover outstanding debts which are in arrears If you have been sent a date for a Court appearance regarding your debt arrears, it makes sense to prepare your case in advance of the court hearing.

A Loan For All Needs
[Finance:Loans] There are many, many loans available and lenders seem to be devising new ones to attract borrowers all the time. Below we explain about some of them and emphasize how a good credit history is better then no credit history.

More Worries For Buy-To-Let Tenants As Landlords Default on Mortgage Repayments
[Real-Estate:Leasing-Renting] Buy-to-let tenants must be very careful in the present climate about who they rent from and even then there is no enforceable legislation from regulating bodies. We detail below where the pit-falls can be to help you avoid disaster.

Insurance to Protect Your Mortgage and Income Protection Insurances
[Insurance:Home-Owners-Renters] There are various insurances to protect your income and you need to know what cover your employment would give you so that you can protect against any shortfall should the need arise. Below we explain what plans there are at what they do.

Don't Worry, You're Covered - Or Are You?
[Insurance:Home-Owners-Renters] In these credit crunch times, we all need the reassurance that our loans, credit cards and mortgages are covered by insurance, should we be unable to work due to illness or unemployment. The insurance market is huge, and offers many options, but unfortunately, many of its products are not all that they seem.

How to Buy Car Insurance
[Insurance:Car-Auto] Shopping around for car insurance can save you a lot of money. Quite often though, insurers increase prices after the first year. Based on quotes for comprehensive cover, a 56 year old man and partner driving a ford focus and living in a high risk area could save 500 pounds, just by moving from a poor value deal to a competitive one. The best thing to do is keep moving your business.

Ways in Which Young People Are Cutting Car Insurance - But Beware
[Insurance:Car-Auto] The rapid rise in the price of petrol, as well as other motoring costs, has come as a severe blow to most of us. However this is nothing new to young drivers, who have suffered from the high cost of car insurance for years. Statistics confirm that young drivers are far more likely to be involved in an accident than older road users. Indeed, their cars are stolen more often as well, which has led to sky high premiums being charged.

Cutting the Cost of Young Driver's Premiums
[Insurance:Car-Auto] According to statistics young drivers are more likely to have a road traffic accident and make a claim on their insurance. Due to these statistics car insurance quotes for people aged between 17 and 25 years vary an awful lot. In quite a few cases the insurance premium can actually cost more than the car that is been insured!

Car Insurance Uncovered
[Insurance:Car-Auto] If you do not have time to do this yourself, an insurance broker could be the solution. Some insurance brokers will search everywhere possible to find you the best deal, this is known as 'whole of market' where as others will only search a limited area. Some intermediaries will also sell policies under their own brand names.

Are You in the Right Job For Cheaper Cover?
[Business:Careers-Employment] This article looks into how car insurers charge different premiums depending on your job. How do you rate?

The Hidden Costs of Buying Properties Abroad
[Real-Estate:Mortgage-Refinance] You can fund the purchase of a property abroad by arranging a mortgage through a UK lender, such as the Halifax, Abbey or Barclays. You can also release equity from your home in the UK or by arranging a mortgage in the country you are moving to.

Neither A Lender Nor A Borrower Be
[Real-Estate:Mortgage-Refinance] Blame always gets passed on and no-one will take the blame for the current financial situation but both borrowers and lenders are at fault. We explain below what has happened and what the result has been.

Can You Afford It?
[Real-Estate:Mortgage-Refinance] Trying to get your first foot on the property ladder is not the easiest step to take. Lender's will look at the wider picture and look at more than your income in some cases, though.

Base Rate Cuts Will Slash Tracker Mortgages But Overpaying Would Be Wise in the Long Run
[Real-Estate:Mortgage-Refinance] Current tracker mortgages are a god-send in the present Bank of England interest rate climate. In this the first of a two part article, we explain how best to use the situation to your advantage.

Saving Mortgage Money in the Credit Crunch
[Real-Estate:Mortgage-Refinance] An overview of how you can save money during the credit crunch. You should first take a close look at your living expenses... debts, loans, phone bills, mortgages... Then shop around to find the best deals in the marketplace for each of these cost centres.

Interest Only Vs Fixed Rate Mortgages
[Real-Estate:Mortgage-Refinance] A comparison of the benefits and drawbacks of interest only and fixed rate mortgages. How to find the best deals.

Do You Belong to Middle Britain?
[Finance:Personal-Finance] Axa has revealed that although many people think they belong to Middle Britain, in fact the majority of people do not have sufficient income to call themselves middle class. Although a third of people consider that they belong to the middle class socio-economic category, a comprehensive survey shows that only a fifth actually meet the criteria demanded by the classification.

Discount and Variable Rate Mortgages - Will They Fall?
[Real-Estate:Mortgage-Refinance] The difference between tracker and discount mortgages is explained. Advice is given on the best type of mortgage to take out in the present financial climate and how to re-mortgage your property.

A Clamp Down on Mortgage Fraud
[Real-Estate:Mortgage-Refinance] The steps being taken by the authorities to clean up the mortgage market. What you need to know as a first time buyer to avoid fraud.

Checking Out Your Credit
[Finance:Credit] Continuing and concluding our look into the fourth credit reference agency. The one not many of us are aware of!

Behind the Scenes
[Finance:Credit-Tips] There are three well-know credit reference agencies that everyone seems to know about. Any check up on you financial situation is likely to be carried out through Experian, Equifax of CallCredit. If you want to find out just what any lender will find out about you should you ask for credit, you can contact any one of these agencies and find out without any delay. As little as 2 pounds is all it'll cost and your file will be revealed.

Your Credit Rating Explained
[Finance:Credit] If you are thinking of applying for a loan, it is worthwhile checking your credit rating. You can obtain your score easily for as little as 2. Spend time checking and updating your record to ensure all the information is correct.

Perfect Borrower? How Many Black Marks Have You?
[Finance:Loans] The factors that are taken into account when calculating your credit rating. How your credit rating affects your ability to borrow and the APR you are charged.

Credit's Like Crack - Highly Addictive and Very Dangerous
[Finance:Credit] Should borrowers be held responsible for their own decisions? If I'm unable to afford the repayments on a loan or spend it all on high living, is the bank at fault for being an irresponsible lender or is it my fault for asking for the loan in the first place?

Payday Loans - Short Term - High Interest
[Finance:PayDay-Loans] When it comes to a short term loan, a small amount to get you through until pay day, beware of extremely high interest charges. There is an alternative so read on to find out more.

The H to Z of Car Loan Terminology
[Finance:Auto-Loans] This is the second of two articles explaining the meaning of the terms commonly used in relation to a car loans. A hire agreement is a written agreement regulated by the Consumer Credit Act and must include specific information in a specific format and if not it is not it is questionable as to its authenticity - particularly important when hiring a car.

Government Urges Us to Insulate - Hot Air Or Sound Advice?
[Finance:Loans] When the Environment Minister was asked how struggling families could be expected to raise the money for their share of the work, he replied that their homes represented an asset to borrow against and that the installation of insulation was an investment in the long term. He added that as your home would be more valuable following insulation, lenders were prepared to offer loans for the work and what's more: the payback period was good.

Cover Your Teenagers With Home Insurance
[Insurance:Home-Owners-Renters] Last year 1 in 4 teenagers lost a major item whilst away from home through theft or carelessness. Does your home and contents insurance cover this? This article investigates.

Which Home Insurance Cover?
[Insurance:Home-Owners-Renters] When it comes to home insurance, there can be some confusion about what type of cover is needed. Lots of people think there are things that will be covered for accidental damage within their house insurance policy, whereas they may in fact come under buildings insurance.

The Pitfalls of Insuring Against Subsidence
[Insurance:Home-Owners-Renters] How insurers view house subsidence claims. A case study of the experience of one couple claiming on their buildings insurance policy for subsidence.

Is Your House Founded on Firm Rock, or Running Sand?
[Insurance:Home-Owners-Renters] The reasons why subsidence occurs in a property and how it can be minimized are discussed. Who should you contact first...your insurer or a building surveyor?

Homeowners Have Second Thoughts About Equity Release
[Finance:Home-Equity-Loans] The reasons why the amount of equity withdrawn from peoples' homes has fallen over the past year. Interesting facts about equity release schemes.

Higher Rates on Personal Loans For the Less Well Off
[Finance:Personal-Loans] The less well off are considered higher risk borrowers so have to pay more to lenders. Below we explain why this is happening and what is being done about it.

Loan Payments Cannot Be Met by 1 in 10 People
[Finance:Loans] In the last half year the number of people unable to find payments for their credit agreements has to more than 1 in 10. We reveal just how serious the situation is.

Loan Companies Simply Hate Claims Handlers!
[Finance:Loans] Another article on the recent rise of the claims handlers. Their numbers are growing fast, but what do the lenders think of them?

Some Tips For Loans As Borrowing Gets Harder
[Finance:Loans] In difficult times most banks have increased their loan rates. Some tips below help you to safeguard against paying well over the odds.

Many More Hurdles to Jump Before You Get a Loan
[Finance:Loans] How credit ratings impact on loan applications. The way in which you can run your financial affairs to improve your credit score.

What Are the Benefits to Refinancing Your Home Loan Online?
[Real-Estate:Mortgage-Refinance] Home loan refinance is much more convenient to find on the internet, from the comfort of your own home. Advantages include no wandering along the high street, no wasting time waiting to see people and no feeling guilty about contacting competitors.

Loan Protection - A Blessing Or a Curse?
[Finance:Loans] How the law protects you when you take out a loan. What you should consider when taking out a loan protection policy.

How Do Secured and Unsecured Loans Differ?
[Finance:Loans] Finding out as much as possible about the different loans available is crucial in deciding which one is most suitable to your needs. There advantages and disadvantages to both types and do make sure you shop around as the market is very competitive.

Pros and Cons of Adverse Credit Loans
[Finance:Loans] Outlines the benefits and drawbacks of adverse credit loans and what you should look for when choosing a loan of this kind. As an increasing number of people encounter financial difficulties, more and more lenders enter the marketplace offering a wide range of products.

Prisoners in Jail Claim Millions in Student Loans and Grants
[Finance:Student-Loans] A scandal has emerged, revealing that prisoners on full-time university courses are eligible to claim student grants and loans. Even though taxpayers are already footing the bill for their stay in jail, it appears inmates are claiming more than 370,000 pounds a year.

More Parents Take Out Loans to Fund Children's Education
[Finance:Student-Loans] Household expenditure on independent school fees is on the up. Almost a quarter of pupils attending private education are now reported to be from low income families. This in turn has caused a surge in the number of loan applications from parents looking to finance their children's education costs

Lenders Increase Cost of Personal Loans Yet Bank of England Cuts Rates Three Times
[Finance:Personal-Loans] The discrepancy between the Bank of England base rate and interest rates offered by high street lenders is undermining confidence in the market. This is not only affecting personal loans but credit cards and mortgages too. The message to consumers is to shop around.

Get the Right Deal For a Car Loan
[Finance:Auto-Loans] Not many of us are in the enviable position of being able to walk into a car dealership with a pocket of cash and drive off in a new car. There are many finance, loan companies, banks and car dealers keen to give you a deal. We discuss below what is available and what to consider.

Vitality Counts More Than Exercise
[Insurance:Health] A major UK health insurance company has performed a spectacular back flip over one of their health insurance policies. People, who had previously been offered free gym membership, may now have to find £600 a year, due to a change in the terms and conditions of their policy.

NHS Or Private?
[Insurance:Health] Where do you get medical care as and when you need it, without any delays or sitting around hospital corridors surrounded by patients, bored and fidgeting children, wheelchairs, old uncle Tom Cobley and all? Certainly not in the NHS and it's a long time since we could even dream of it.

Health Insurance Fraud
[Insurance:Health] Years ago, whenever my late father saw news of bad weather in the USA, he'd say "We'll get it next!" - if the same is true of their reported health insurance fraud, maybe we'd better watch out. The facts seem to be that as long as you take out health insurance and stay healthy, you're fine. They draw your premiums, you don't need the care.

Cancer - No Cover
[Insurance:Health] The long established cancer charity CancerBACUP had reason to look into problems that some cancer patients had come up against when they made the discovery that their private health insurances were letting them down by failing to cover them for the advanced courses of their cancer treatment.

A Guide to Medical Insurance
[Insurance:Health] There is nothing more important than good health. However when we are ill, we need to be treated rapidly, but unfortunately the NHS cannot always offer a fast enough service. Private medical insurance (PMI) enables you to jump the queue and arrange for treatment to be undertaken at a more convenient time.

A Definition of Third Party Motor Car Insurance
[Insurance:Car-Auto] It is law in this country, as specified by the Road Traffic Act, that all road users are covered by a certain minimum level of insurance. If there is an incident involving you, another person if they were driving your vehicle or the registered owner of the vehicle, third party car insurance will give you cover for any claim that may be made against your insurance.

Whiplash Claims Have a Negative Effect on Premiums
[Insurance:Car-Auto] A staggering amount of whiplash claims are made every year and this pushes up all insurance premiums. Below are the facts about whiplash claims and some tips on how to prevent it happening to you.

Motorists Up in Arms at 40 Percent Increase in Speeding Convictions
[Insurance:Car-Auto] As the seemingly fabricated speeding conviction figures are escalating it is obvious that motorists are not realizing where they will ultimately end up paying more - for insurers the speed cameras have given them a golden handshake because when a motorist gets penalty points insurance premiums go up. If you go online to get a quote for car insurance, with and without convictions, you will see what a difference it makes.

Why Motoring Abroad Can Drive You Mad
[Insurance:Car-Auto] Driving abroad is less relaxing than it used to be. Traffic congestion has increased massively and European road legislation, similar to traffic congestion schemes in the UK, is a tourist minefield. Added to this, drivers could face a costly bill if they fail to have adequate insurance and breakdown cover.

Reduce Your Insurance Bill
[Insurance:Car-Auto] There are lots of things you can do to cut your car insurance bill. Tips include changing your car, installing security devices, shopping around for the best quotes in the marketplace and even taking a test to make you a better driver.

Now Muslims Can Get Sharia Car Insurance, in Line With Islamic Law
[Insurance:Car-Auto] For the first time Muslims can get car insurance which obeys the law of the Koran. Below we explain how it works and why they are confident that they will grow and grow.

Honesty is the Best Policy
[Insurance:Car-Auto] Insurance companies have been working hard to come up with affordable policies for younger drivers and to help them start their own No-Claims bonus. We explain below how the insurance companies are trying to encourage younger drivers to do this.

Fronting Could Put You at the Back With Car Insurance
[Insurance:Car-Auto] Anything to do with a car is very expensive these days and no-one can be criticized for trying to keep costs to a minimum, however, fronting is actually classed as fraud and worse, most people don't even realize that they are doing it. Below we explain what fronting is and why it is best to avoid it.

Is it Worth Getting Gap Insurance on a New Car?
[Insurance:Car-Auto] Gap insurance covers the shortfall between what a new car cost and what insurers would pay out if the car was stolen and not recovered, or indeed written off, during the first three years of purchase. Should customers opt for this extra premium or not?

Crash-for-Cash Fraudsters Make Accidents Happen
[Insurance:Car-Auto] Motorists are being advised to be extra-careful on the roads because the number of 'crash for cash' deliberate accidents is increasing. The Insurance Fraud Bureau (IFB), claims 'induced accidents' - whereby drivers cause a crash on purpose to profit from bogus insurance claims - are rapidly becoming a serious problem. Moreover, they cost the insurance industry over 200m in payouts.

Car Insurance For Women Only
[Insurance:Car-Auto] There are several car insurance companies that now cater specifically for women. This makes sense because women motorists are generally cheaper to insure. Beware, however, that you are indeed getting the best deal for you from these companies.

Will Your Car Insurance Travel Well?
[Insurance:Car-Auto] If you are planning to drive in your Europe, make sure you have adequate breakdown and accident cover. It seems that most of us don't, thinking instead that we are covered by our UK motor insurance policy or indeed our travel insurance.

Look at the Small Print When Buying Critical Illness Insurance
[Insurance:Life-Annuities] Despite new guidelines on sickness policy cover, there is a huge variation in the types of critical illness cover offered by different providers. Consumers need to look at the small print, for exclusions in particular. The industry needs to do more to promote alternative products such as family income and income protection policies.

Critical Illness Insurance - The Facts
[Insurance:Life-Annuities] If you are diagnosed as having a life-threatening condition then critical illness insurance will pay out a tax-free lump sum. Most policies combine life and critical illness cover, paying out whichever happens first; Death or critical illness.

Take Cover Before You're Faced With the Cost of Dementia
[Insurance:Life-Annuities] LifeSearch, the independent life insurance and protection specialist is advising consumers to protect themselves against the cost of long-term care for Alzheimer's and other types of dementia. In Britain, more than 700,000 people have dementia, a figure that is estimated to rise to more than a million by 2025.

Chief Points About Critical Illness Cover
[Insurance:Life-Annuities] Many people with critical illness cover do not really understand how these policies work. There are calls for tighter guidelines on the selling of such policies. Consumers need more knowledge on products which best suit their individual needs.

Fact File - Life Insurance
[Insurance:Life-Annuities] A comprehensive and succinct guide to life insurance. It explains all the key terms and what type of cover different policies provide.

How Genetic Testing Could Affect Your Life Insurance Premiums
[Insurance:Life-Annuities] If you have a test taken, to see if you have genes that show you may be at risk of developing a life threatening disease, the British government allows your insurance company to look at the results. Governments in the rest of Europe ceased this as they feared the results could be used by insurers to perhaps increase premiums or even refuse cover altogether.

Will Ill-Health, Smoking, Or Drinking Increase Your Life Insurance Premiums?
[Insurance:Life-Annuities] Many people worry that family illness history and drinking and smoking can make premiums prohibitive. Below we explain that this need not be so.

What Insurance Do You Need to Protect Your Family? - Part 1
[Insurance:Life-Annuities] There are many insurances available to protect people and their loved ones should anything happen to them, but very few people are buying them. Below we discuss what is available.

What Insurance Do You Need to Protect Your Family? - Part 2
[Insurance:Life-Annuities] It is always advisable to understand exactly what you need in the way of cover as only you know your personal circumstances. We explain what you need to know and how to maintain it once you have it.

Is Your Family Secure If You Get Sick?
[Insurance:Health] Life Assurance, Critical Illness and Permanent Health Insurance should all be considered by people who have a spouse or children or anyone who works so that they have financial security if they died or could not work. Below we explain what is available and most relevant to you.

Peace of Mind Insurance
[Insurance:Health] When you're ill, what you need is the care and attention which everyone's entitled to. If you're critically ill you need the assurance that you'll receive the best treatment, regardless of cost. Is this what you'll get?

Over to You
[Insurance:Health] Health Insurance has come a long way. There are lots of new products on the market offering cover at affordable prices. Find out more.

Health Insurance Covered - Types of Plan
[Insurance:Health] Here we finish our article with the types of plans available, from basic to full comprehensive care. There's sure to be the right plan for you.

Health Insurance Covered - Guide
[Insurance:Health] Casualty down at the local hospital is all well and good for accidents and emergencies - and what would we do without them? For other conditions, from the routine but niggling to the more serious ones, private care saves time and worry.

Health Insurance Covered - Claiming
[Insurance:Health] We continue with how to deal with Health Insurance, with details of how to claim. Plus some points of who needs health cover and the reasons why.

A Step Up the Ladder?
[Real-Estate:Mortgage-Refinance] Thinking of moving home? Before starting the hunt, have you thought about simply remortgaging your current house to make it the home of your dreams?

Offset What?
[Real-Estate:Mortgage-Refinance] There's a different type of mortgage out there. It's simple, flexible and very logical. It might just be the right type of deal for you.

It's a Fix
[Real-Estate:Mortgage-Refinance] Fixed rate mortgages are simple and easy to understand. They're safe and predictable - if you want safety and predictability; then they're probably the best choice.

Is it Right For Me?
[Real-Estate:Mortgage-Refinance] Re-mortgaging isn't right for everyone. Sometimes you need to assess just how satisfactory your current mortgage is and check that it's still the best deal for you.

Does it Pay to Overpay?
[Finance:Loans] When the Bank of England base rate is low, your mortgage may be cheaper than you'd expected when you took the loan out. Lots of people (around 4 out of 10 mortgagees are now using trackers), have this type of loan, tracking the Bank of England's base rate, plus just under one per cent above it. This may well be wonderful news when rates are low, but what do you do with the saving?

Clients in the Black Are Not Rewarded by the Banks
[Finance:Loans] A recent report alleges that in spite of the price wars amongst the banks that the majority of them are not offering good enough incentives for those whose accounts are in credit. MoneyExpert claim that the average interest rates on credit have gone up in the high street banks but also profess that not enough of them are compensating their clients for prevailing during such a difficult economic downturn.

Cognitive Interviewing Cracks Fraudulent Claims
[Insurance] A new technique is being pioneered to detect when people making insurance clains are really telling the truth. This article explains.

If Driving Abroad Be Sure You Are Fully Insured
[Insurance:Car-Auto] Around three million British drivers head off abroad each summer to experience first hand the beautiful countries in Europe but regularly mistakenly assume that because they have fully comprehensive at home that they will outside the UK too. Car insurance providers in the UK offer the minimal protection required by law in some EU countries, and that is road traffic accident cover.

Doctor Has Bad News - Insurer Even Worse
[Insurance:Life-Annuities] The ways in which the severity of an illness can effect the pay out. How insurance companies are writing new policies which offer partial pay outs.

Critical Illness Premiums Rise As More Patients Survive
[Insurance:Life-Annuities] Premiums for Critical Illness Cover (CIC) are escalating due to the rising number of claims and concern about medical advances in the future. Once diagnosed with a life threatening illness, CIC pays you a tax free lump sum, which will support you financially if you are off work due to illness.

Genetic Testing to Be Introduced For Health Insurance
[Insurance:Health] The problems associated with introducing genetic testing and the ways this problem is being tackled. Information about Huntington's disease which is the only disease where genetic testing is accepted for underwriting purposes.

But What Does it Mean?
[Real-Estate:Mortgage-Refinance] It's a confusing world. In the past year or so we've swung from 'ads for 100% mortgages, your old home taken in deposit for your new one, carpets and curtains included to headlines like "The end of the 100% mortgage" and "Mortgage meltdown". Mortgages too are confusing and what's right for one person's circumstances may be totally wrong for someone else.

Present Times Necessitate Insurance Awareness
[Insurance] As the country goes into a state of deflation and downturn in the economy it is reasonable to assume a vast number of people will sit down and work out a way to find funds and make an affordable plan to cope with the strains of continual price rises on the high street and basic living costs. A recent survey revealed that a quarter of British people are putting their homes and themselves at risk by bypassing essential and generally accepted insurance policies

Drink Driving Convictions Will Affect Your Car Insurance
[Insurance:Car-Auto] If you are caught drinking and driving you will get a Driving Under the Influence conviction (DUI). A DUI will affect your car insurance which any people are unaware of. Initially your premiums will probably increase substantially and later your policy may well be cancelled when it expires.

Credit Referencing and Credit Scoring
[Finance:Credit] The importance of credit referencing and credit scoring is all too apparent in today's society. Your score has a dramatic effect on your ability to get credit. What can you do if the information used to compile you score is incorrect?

Cheap Loans to Enable Troops to Gain a Foothold on the Housing Ladder
[Finance:Loans] The Open Market Home Buy scheme now extends to men and women in the armed services as well as helping first-time buyers and key workers like nurses and teachers. Good news especially in today's economic climate.

The Need For Unexpected Borrowing
[Finance:Loans] Sometimes unforeseen circumstances mean that if a sizeable amount of money is needed relatively quickly that a loan is the only option. Below we outline the best way to do this should the need arise.

Be Astute When You Borrow
[Finance:Loans] At a time when the economy is struggling and costs are spiraling many people are finding themselves in debt. Below we explain why it is important to budget correctly if you take out a loan.

Measures to Deter Uninsured Drivers
[Insurance:Car-Auto] Few motorists are aware of the Motor Insurer's Bureau's crack down on uninsured drivers. The United Kingdom has one of the highest levels of uninsured driver's in Europe with, it is estimated, over one million uninsured cars on the roads.

Application Fraud by Borrowers Increases
[Finance:Loans] As consumers resorted to desperate measures to acquire new credit, the amount of people who commit fraud by lying on application forms for insurance products, loans and credit cards jumped in the first half of the year. The fraud prevention agency, CIFAS, reported that the amount of discovered incidences of so-called "application fraud" rose by more than 12 percent during the first half of 2008.

Improve, Extend - Stay Put
[Finance:Loans] It seems as though many experts are predicting that house prices will level out or even fall over the following months. Whilst this news will not be greeted with open arms by current home-owners, for those trying to get on to the housing ladder, it should mean a mortgage will be that little bit more affordable.

Young Disqualified Drivers Push Up Car Insurance Costs For All
[Insurance:Car-Auto] Up to 73,000 novice disqualified could have illegally returned to driving over the past 10 years says a recently published report. Since the New Drivers Act was introduced in 1997, 160,000 novice drivers have been banned - and eight out of ten of these are aged under 24.

Reducing the Cost of Your Car Insurance
[Insurance:Car-Auto] Drivers are always looking for ways to reduce car insurance premiums. This article outlines a few simple ways to save money.

No-Go For Drunk Driving
[Automotive] Alcohol is quickly absorbed into the bloodstream, this affects the brain and impairs driving ability. The only safe way is not to drink if you are driving!

Your Guide to Loans
[Finance:Loans] All you need to know about loans and loan terminology. A guide that is easy to read, concise and simple.

How to Raise Loans When Times Are Tough
[Finance:Loans] The best way of securing a low interest rate personal loan is to have a good credit rating. Find out how good yours is and how you can improve it.

It's a Dog's Life When the Credit Crunch Bites
[Insurance:Pet] The cost of pet insurance is rising, which has put an additional burden on homeowners. This article investigates.

Britons Prefer to Keep Their Cash in a Mattress
[Finance:Loans] Confidence in Britain's high street banks and building societies is falling. A report by MGM Advantage suggests that one in 20 people prefer to hold onto their cash. Nevertheless, over half of us still have a savings account.

How to Improve Your Credit Rating
[Finance:Credit] We should not under-estimate the value or indeed the importance of the so-called credit rating we all have these days. A good one will give you the competitive edge. A poor one will see you left with little choice, even indeed with no option of getting credit at all.

If Only They'd Had Critical Illness Insurance
[Insurance:Health] The Evans were an ordinary family. Mary was the homemaker, Peter had a steady job driving for Stagecoach. They'd been married for 12 years and had a daughter aged 11 and a son aged 7 and a lived in a semi in Didsbury in the outskirts of Manchester. They were planning to go on holiday to Benidorm on the Costa Blanca next year.

Bypass the Credit Jam and Push Loan Costs Down
[Finance:Loans] Be careful how you choose to finance your loan, whatever it is for. Interest rates on repayments vary considerably and shopping around is the name of the game in today's market. This may mean investigating unconventional lending methods such as those offered by Zopa.

Goodbye to Expensive Payment Protection Insurance
[Insurance] For years the banks and loan providers have raked in high profits by selling Payment Protection Insurance to clients whilst the clients were taking out loans. The problem has been that the insurance has not always been properly explained to the client so many have found that if they claim, there's some clause that rules their claim invalid.

Are You Suffering From Car Insurance Inflation?
[Insurance:Car-Auto] Car insurance premiums are on the increase. What can you do about it? This article investigates.

Don't Overstep the Mark
[Real-Estate:Buying] Buyers, first timers in particular, must welcome any downturn in house prices as a way to get a step on the property ladder, however modest the property. However, lenders are showing an understandably cautious approach to the amount of money they're willing to lend on individual properties, due to the performance of the housing market in the UK.

Full Marks For Career Development Loans
[Finance:Loans] Career Development Loans constitute a distinct benefit to society. Thousands of people have taken advantage of this deferred repayment bank loan to improve their prospects by investing in learning and gaining more qualifications.

Uninsured Drivers Increase the Cost of Car Insurance
[Insurance:Car-Auto] One in twenty cars on the road are being driven uninsured and a third of all drivers have at one time or another driven without insurance. And it's a fact that uninsured drivers cause more accidents and are more likely to be involved in criminal activity than insured drivers.

Speeding Risks Fines and Higher Insurance Premiums - And Accidents
[Insurance:Car-Auto] Many modern family cars have the performance of a 1980's super car. Ten years ago sub 7 seconds to 60 was exceptional - today it is relatively common. This article looks at the costs faced by those who succumb to the temptation to speed.

Preventing Drunk Driving
[Legal] Drunk driving is a persistent problem in the UK. It's puts up the cost of car insurance and is the cause thousands of accidents. So what can be done about it? This article explores the problem.

Car Insurance and the Younger Driver
[Insurance:Car-Auto] Why is car insurance so expensive for younger drivers? This article answers the question and provides some useful advice.

Should Suicide Affect Life Insurance?
[Insurance:Life-Annuities] Depression is not by its very nature a happy subject, but with the pressures put upon us all in today's world it is unfortunately only too common. To many people who have never experienced it, an instant cure should be possible simply by telling the sufferer to 'snap out of it'. Sadly the depressed person would be only too happy to be able to comply, but they cannot, for a variety of reasons better known to the psychiatrist than to the layman.

Risky Business Boosts Life Insurance Costs
[Insurance:Life-Annuities] When the Crocodile Hunter Steve Irwin died recently after he pulled a deadly stingray barb from his own chest, people not just in Australia, but the entire world grieved for the animal-loving icon. The tributes to Irwin came from far and wide with children leaving soft toys and others making him a floral shrine.

Life Insurance - The Sooner the Better
[Insurance:Life-Annuities] A pension scheme is important to the individual, and most people are aware that if they have no other cover it is essential to initiate a scheme in preparation for later life. Really it has a close relative in life insurance, although the pension is tied in to receiving a repeating payout if you survive to a specific date. Its relative - life insurance - still operates to a specific date, but payment can be triggered by an early demise of the policy holder.

Life Insurance - Terrorized Into Buying?
[Insurance:Life-Annuities] Life insurance can provide a financial lifeline for your family, or for you if the worst does not happen. It deserves serious consideration.

Life Insurance - Take Cover
[Insurance:Life-Annuities] In the extensive field which is insurance, life insurance stands out as one of a few which is usually taken out for someone else's benefit. Insurance covering house, mortgage, valuables, travel etc. is intended to cover the holder against loss as a result of accidents, breakdowns, delays, theft and a vast number of other circumstances.

Buy-to-Let - Opportunity Knocks
[Finance:Home-Equity-Loans] Home-owning may seem even further away for some first-time buyers, following recent rate hikes. It's not all bad news though, and buy-to-let investors may even have reason to smile.

Buy to Let Mortgages - Invest to Let
[Real-Estate:Mortgage-Refinance] It's not only wealthy individuals who invest to let. Thousands of ordinary people are finding it an interesting and profitable proposition. The market is growing fast.

An Adaptable Mortgage
[Real-Estate:Mortgage-Refinance] Re-mortgaging can bring many advantages. Apart from the fact that there should be a saving on your mortgage payments, there's a choice of interesting new mortgage types. There's sure to be something out there for you.

House Prices - Boom Or Bust?
[Real-Estate] Property booms are a real shot in the arm for those already nearing the top of the housing ladder. They've seen their property prices rise higher than they'd have dared to hope. The cost of borrowing has been low and house values wonderfully high. Life is not so good for first time buyers, desperate to make a start on their home-owning career, or for those needing to trade up to a larger home.

Want to Pay Less Tax? Pension Life Insurance Could Be the Answer
[Insurance:Life-Annuities] If you want to pay less tax - and who doesn't? - there is a new way of reducing your overall bill. And it is also a way to get really cheap life insurance. But before you rub your eyes and try to wake up, read on as we investigate whether this is as good as it seems!

Life Insurance - Weigh the Options
[Insurance:Life-Annuities] Since the days of rationing in the 1940s and early 1950s the diet in this country has improved out of all recognition and then slowly gone downhill. The ration limits of very small amounts of fatty foods (no butter at all), along with minuscule amounts of meat and a generally low calorie value to any meal produced a lean and in many ways fit population, although lacking in staying power as far as energy was concerned.

Buy-to-Let - The Outlook's Fine
[Real-Estate:Buying] Who is buying buy-to-let property? Apparently many of the purchases come from small investors, with 45% of landlords owning just one property. 75% of landlords own four or less properties.

Half a HIP
[Real-Estate] Buying and selling your home isn't always as easy as everyone thinks it should be. Just when offers have been made and accepted, tentative removal dates discussed and everything seems to be going along fine, quite often something goes wrong. This can lead to a quarter of sales falling through, with time and money wasted on both sides.

Why Won't Your Insurer Pay Your Critical Illness Cover?
[Insurance] Much has been written about critical illness (CI) products over the past couple of years. This has highlighted both negatives and positives about the complicated type of insurance cover. Research has shown there is a lack of trust in some of claim processes and procedures that are creeping in.

Good News For Landlords
[Real-Estate:Property-Management] Although it may seem difficult to believe, recent increases in interest rates and the resulting black clouds over would-be home buyers may show a silver lining for buy to let investors. Results of research carried out by a leading specialist in buy-to-let mortgages indicate income from letting is firm and demand for rented property is very strong.

Insurance - Check the Facts?
[Insurance:Life-Annuities] Despite the fact that premiums are lower than ever, insurers are telling us that sales of insurance policies are down. Could an improvement in the way they sell these products stop the decline and encourage people to arrange the protection they need?

Life Insurance - The Basics
[Insurance:Life-Annuities] In the hurly-burly of family life, don't overlook the important matter of adequate life insurance. For your family's sake.

The Almost Perfect Borrower
[Finance:Loans] It's easy enough to find a building society willing to finance your home if you're a prime buyer, with no CCJ's (County Court Judgments) against you and no arrears. Lenders are jostling to lend their money and you should have no problems at all.

PPI in Its Place
[Finance:Loans] PPI or Payment Protection Insurance is a product designed to guarantee loan repayment if the insured is unable to honour their repayment obligation due to sickness or unemployment. The basic idea seems sound, but the product has a history of mis-selling by poorly trained staff, and unreasonably high charges.

Mortgages - Sharing the Costs
[Real-Estate:Mortgage-Refinance] House prices are spiralling. First time buyers are priced out of the market. Headlines such as these are unfortunately too common. Here are some ideas to help first-timers to take that first step.

Safe and Secure
[Insurance:Life-Annuities] Recent hiccups in UK borrowing costs have resulted in some widely diverse newspaper headlines. Two of these which have appeared in the past day or so certainly demonstrate this: "HOUSE PRICES SET TO FALL" said one "HOUSE PRICES ON THE RISE AGAIN", said the other, from their places alongside each other on the newspaper stand. Taken as an average, then, the general opinion seems to be "NO CHANGE" - but who's to say?

Re-Mortgaging - Finance For Projects
[Real-Estate:Mortgage-Refinance] A mortgage, especially a first one, can be something of a burden. The need to raise the funds every month to pay the due installment can loom very large in financial thinking. So why even consider re-mortgaging? There can be one or more of several reasons which all emanate from two basics.

Mortgage Comprehension Test
[Real-Estate:Mortgage-Refinance] There are many different types of mortgages on the market. Advertisements offer all the options, but do you understand the jargon? Get advice from some-one who understands and can offer all the options you need.

Buy-to-Let - Think About It
[Real-Estate:Investing] With many lenders offering 90% loans to buy-to-let investors, with repayments just equalling potential rental income, the attraction to would-be landlords is obvious. Make sure your sums add up, though, or you may bite off more than you can chew.

Critical Illness Cover - Tell All
[Insurance:Life-Annuities] Hopefully you'll never need it, but critical illness cover is a valuable form of insurance. Make sure the information you supply is 100% correct.

Mortgages and Moving
[Real-Estate:Moving-Relocating] Moving to a new job can be a time of great interest, with new workmates and new situations entering your life. It can also be a time of increased stress, especially if it also involves moving house. You will start by looking at areas in which to live, and move on to considering specific properties. You will then find that you also have to consider the costs with which you will be faced, and these are not inconsiderable.

Price Right For PPI?
[Insurance] Payment protection insurance or PPI can be a blessing, in its place. Cases of wrong selling and extortionate charges have given it a bad name, however. Look for the right product at the right price.

Critical Decision Time?
[Insurance:Life-Annuities] Increasing life expectancy news is overshadowed by the fact that the UK's illness and disability records could by improved. We look at the results of a recent EU study.

Life Insurance - What Price Privacy?
[Insurance:Life-Annuities] Insurance companies are trying to push back the boundaries on private information to which they believe they should have free access.

Endowment Policy - Careful Cancellation Essential
[Insurance:Life-Annuities] You may be better off keeping your endowment policy. If you want to sell, get expert help to ensure the best price.

Incautious Borrowing
[Finance:Loans] Debt is climbing in the UK at an alarming rate. Before you enter into a loan agreement make sure that you have complete information, to ensure a pain free exit if the need arises.

Find A Great Remortgage Deal
[Real-Estate:Mortgage-Refinance] Could you be paying over the odds for your mortgage? Maybe you're not aware of the fact that there may be better deals around? For most people, there are big savings, check them out.

Mortgages - Ad Infinitum
[Real-Estate:Mortgage-Refinance] The Japanese do it. The Swiss do it. Now it's the turn of the UK. Find out more about the inter-generational mortgage.

Mortgages: Pay Back Over 40 Years
[Real-Estate:Mortgage-Refinance] In the face of increasing house prices, mortgage lenders are offering longer mortgage terms. But at what cost?

Critical Criticism
[Insurance:Life-Annuities] Critical illness insurance claims are only successful in about 80% of cases. Read on to find out why.

Life Insurance - When You Are Gone
[Insurance:Life-Annuities] You aren't here for ever, so get that life insurance dealt with before it is too late. Your heirs deserve your consideration.

Credit Scores Explained
[Finance:Loans] Don't rely on one off internet sites to recover your credit history, instead, just understand how your credit ratings work. It's especially important when you apply for a loan.

Life Insurance - Smoke Signals
[Insurance:Life-Annuities] If you're an ex-smoker or in the process of giving up, there's some encouraging news for you. Lowered life insurance premiums and better health are there for the taking.

Life Insurance – When Only The Best Will Do!
[Insurance:Life-Annuities] Good life insurance can protect your dependents should you die. Here we discuss how to find the perfect policy – and get a great deal too!

Heavy Drinking Can Increase Life Insurance Costs
[Insurance:Life-Annuities] The rate of binge drinking in the UK is still rising, so does that mean more people are going to have trouble getting reasonable premiums for Life Insurance?

Smoking – More Expensive Than You Think?
[Insurance:Life-Annuities] Looking for extra income? A pound saved is a pound earned, and with reduced insurance costs you can save much more than that if you can stop smoking.

A Stake in the Future for Older People
[Insurance:Life-Annuities] A more secure future could be on the cards for older generations if a small change in the rules for selling insurance goes ahead.

First Mortgage – Steps to Saving
[Real-Estate:Mortgage-Refinance] The all-important first step on the property ladder can be hard to achieve. Here are some suggestions to help you make it.

Mortgage Outfits Challenged On Exit Fees
[Real-Estate:Mortgage-Refinance] Getting out of a mortgage can be a costly business because of exorbitant exit fees. But exit fees could soon be brought under control if the Financial Services Authority has its way.

Buy to Let Mortgages- Landlords Face New Rules
[Real-Estate:Mortgage-Refinance] A buy to let mortgage may become a more viable option for larger properties as a result of the new regulations affecting properties in multiple occupation. This article explains.

Headline Rates Are Not Everything
[Real-Estate:Mortgage-Refinance] Headline interest rates don't necessarily add up to the cheapest mortgage. It's the way the calculations are made that makes the difference.

Watch That Mortgage
[Real-Estate:Mortgage-Refinance] Interest rates stay the same, but watch this space regarding rising mortgage payments. Read this article to find out more.

Mortgages - Buy to Let a Wise Bet
[Real-Estate:Mortgage-Refinance] The purchase of a property to let can offer benefits in two ways. There's the income from letting, added to the investment growth in the property. Lots more private individuals are taking on the role of landlord. Find out more.

Foreign Mortgages - New Horizons?
[Real-Estate:Mortgage-Refinance] More and more people are investing in foreign property. Local regulations and practices are different in every country. Make sure you get the right advice.

Mortgages - Home Condition Reports will not be mandatory
[Real-Estate:Mortgage-Refinance] The much-publicised Home Condition Report will not be a mandatory part of the Home Information Packs - this article explains ...

Your Mortgage - Time to Switch?
[Real-Estate:Mortgage-Refinance] Switching to a cheaper mortgage deal can save you money. Re-mortgaging has never been easier and lenders are coming up some tempting offers. Here we consider the possibilities.

Re-Mortgages - Get Up to Date
[Real-Estate:Mortgage-Refinance] Off with the old and on with the new. Remortgaging is simple and there are a whole lot of choices out there. Find out more:

Re-mortgaging Cost Cutters
[Real-Estate:Mortgage-Refinance] Many people are paying more than they need on their mortgages. Re-mortgaging is simple and worth looking into. Find out more:-

Mortgages - An Important Date
[Real-Estate:Mortgage-Refinance] Your short-term mortgage may be coming to an end. Don't forget to put arrangements in hand to renew or transfer. It could be an expensive memory-lapse if you do.

Everlasting Mortgages
[Real-Estate:Mortgage-Refinance] To my children I bequeath my home, my assets and my mortgage? Read on for more on this revolutionary new mortgage produce.

Re-mortgaging - Look Into It
[Real-Estate:Mortgage-Refinance] Have you thought about re-mortgaging? More and more people are making this move and lenders are keen to help. See what’s in it for you.

Buy To Let – Decision Time
[Real-Estate:Mortgage-Refinance] With the margin on yields in the buy-to-let property market tightening, could it be time to consider the pension path? Read this article.

Mortgages - Short Term Memory
[Real-Estate:Mortgage-Refinance] Keep an eye on your diary. The end of your cheap-as-chips mortgage deal may be looming. Keep a step ahead and know where you’re going with your next plan.

Loans and Credit Cards - and Bankruptcy
[Finance:Loans] A growing problem, exacerbated by the loss of its original stigma. Read this article for more information.

Loans - New Cars for Old
[Finance:Loans] Shopping around for finance for your new car can be very rewarding. Don't just sign up to the first deal you're offered, check it out first.

Loans - Check your Options
[Finance:Loans] There's a new internet company who match borrowers and lenders. Find out more about this and whether it's right for you.

Investing In Your Children's Future
[Finance:Loans] There has been a big increase in the number of parents arranging loans to pay for their children to be privately educated. Whatever their income, parents are prepared for sacrifice for the sake of their child’s future.

Loan Applications - What Rate
[Finance:Loans] Need to know what rate you’ll be charged for a loan? A quotation search will answer your question, with no potential damage to your "footprint."

Disabled In Debt
[Finance:Loans] A new study has suggested that disabled people in the UK are having to borrow money in order to pay for essential everyday items.

Need A Loan - Guess The Interest Rate
[Finance:Loans] Personal pricing is the latest process used by banks when deciding which interest rate to offer for a personal loan. The interest rate offered will depend on your credit rating. Find out how this works – or doesn’t.

Loan Repayment - Watch Those Extras
[Finance:Loans] Payment protection insurance cover is often superfluous. Check out the facts.

Car Loans - Take Your Pick
[Finance:Loans] By choosing the way you finance your car as carefully as you select the car itself, you can save a lot of money. Here are some choices to consider.

Personal Loans Increase But At What Cost
[Finance:Personal-Loans] Personal loan lending has increased in the past couple of months, as personal loans have never been more easily available. Why is borrowing becoming easier?

UK Debt Increases: But It's Nothing To Do With A Mortgage
[Finance:Loans] Alarmingly so, Britons are now spending more that what they earning by use of personal loans and credit cards. Is the hole becoming too big to get out of?

Check Your Footprints
[Finance:Loans] Take only pictures; Leave only footprints. Good advice when visiting an area of outstanding beauty. Make sure the other footprints you leave are squeaky-clean too.

Life Insurance - Plan for life
[Insurance:Life-Annuities] If you're young, fit and healthy, this is the very best time to buy some life insurance. Read on to find out why.

Life Insurance - One More Step On The Insurance Ladder
[Insurance:Life-Annuities] When the family are off your hands and retirement beckons, what steps can you take to safeguard your children’s inheritance? Check this article for more information.

Life Insurance - Think About It
[Insurance:Life-Annuities] Do you have life insurance? We hope the answer's yes, but have you enough? If it's no, what would become of your family if disaster were to strike?

Life Insurance: Cut The Pounds -- Cut The Premium
[Insurance:Life-Annuities] Piling on the pounds can mean higher life insurance premiums. Insurers are getting tougher and are worried about your BMI. Check it out.

Life Insurance - Women Furious Over Insurer Gene Testing
[Insurance:Life-Annuities] Insurance companies now want the right to ask women applying for cover whether they have been tested for the gene mutations that predispose them to developing cancers.

Endowment Policy: Another Forgotten Option
[Insurance] Endowment policies can fetch thousands on the open market and selling endowment policies is big business but do you understand the ins and outs?

Life Insurance - Your Family, Who Cares?
[Insurance:Life-Annuities] There has been a worrying fall in the number of people taking out illness and life insurance. Maybe it's time to check your own needs?

Life Insurance Cover -- A Good Deal
[Insurance:Life-Annuities] How can you protect your dependants in the event of your death? Check the facts about adequate life insurance. There are some good deals out there.

Life Insurance - How Well Are You Covered For Skin Cancer?
[Insurance:Life-Annuities] Check your cover to see exactly what it includes, but remember that prevention is better than cure - covered or not. Need more information? Read this article.

Life Insurance - Doctors Reports Improved
[Insurance:Life-Annuities] A satisfactory outcome for a long term insurance problem. Read this article for more information.

Critical Illness Insurance - How Critical Can You Get?
[Insurance] A new critical illness policy from the Prudential covers illnesses that others don't even consider. In theory it sounds good, but check the extent of the cover and ask yourself if it's right for you.

Life Insurance and Alcohol are not a Good Mix
[Insurance:Life-Annuities] Alcohol befuddles the brain, but its attack on your wallet can be painful too - especially when life insurance is being considered.

Life Insurance Bargain Time
[Insurance:Life-Annuities] Is your life insured? There’s a lot of choice and premiums are very affordable at present. For your own peace of mind, isn’t it time you thought about it?

Sub-prime Mortgages – Think Twice
[Real-Estate:Mortgage-Refinance] For people with a poor credit rating, often the only option is a sub-prime mortgage. We look into the facts behind the figures.

Car Insurance - A Cautionary Curfew
[Insurance:Car-Auto] Hopefully some new measures will alter accident statistics in a positive way. Read on for news of some technological changes.

Who Needs Loan Protection?
[Finance:Loans] Don’t be misled when it comes to loan protection. Read on for more information on clever way of parting you from your hard-earned cash.

Home and Contents Insurance - Stolen Goods Achieving High Sales
[News-and-Society:Crime] A recent survey has shown that stolen goods are selling well on the streets, not good news for those people that are getting burgled. Read this article for more information.

Life Insurance - A Weighty Issue
[Insurance:Life-Annuities] Insurance companies are starting to charge higher premiums for some overweight clients. The good news however is that if you shed those pounds, so will your insurance costs!

Do I Really Need Pet Insurance?
[Insurance:Pet] Almost 1.4million UK households will get a new pet this year but few owners will be splashing out on insurance for their beloved cats and dogs.

Car Insurance - Freedom, Independence & Higher Premiums
[Insurance:Car-Auto] Women make the safest drivers and that's a fact. One group is challenging this statement, though. Read on to find out more.

Critical Illness Insurance - Of Critical Importance
[Insurance] Apparently irrelevant illnesses, often very minor in nature, can show up in your medical history. Make sure these are disclosed, or your critical illness insurance could be invalid.

Mortgages - Fair Shares
[Real-Estate:Mortgage-Refinance] A new shared equity mortgage plan for first time buyers sounds interesting. Check out the details.

Private Education -- Finding the Money
[Finance:Loans] Parents are making sacrifices to pay for their children to attend private schools. Spending on private school fees is now estimated at 7.9 billion GBP per year. Some are taking out loans.

Home and Contents Insurance - Cute, Cuddly and Costly
[Insurance:Home-Owners-Renters] They may be cute and cuddly, but the damage they can cause can be horrific. We’re talking about squirrels. Would your home insurance cover you if they caused damage in and around your home?

Critical Illness Insurance Buying Online
[Insurance] The Association of British Insurers is about to launch a new set of guidelines for buying Critical Illness Insurance over the telephone and internet.

Permanent Health Insurance: No Payout for ME Sufferer
[Insurance:Health] A lady afflicted with ME has not been successful in making a claim through her permanent health insurance, this article explains.

Unconventional Job? You Need an Unconventional Loan!
[Finance:Loans] Working for yourself, or on a short-term contract? Then you may not find it as easy to get a loan as you might think. Stuck for a solution? We examine the options here.

Home Insurance - Take Cover
[Insurance:Home-Owners-Renters] Make absolutely sure you have sufficient home insurance cover. There's a risk that if you fail to do this, you could end up with no cover at all.

Critical Illness Cover -- A Wider Scope
[Insurance] Illness cover is changing. Check out a new type of critical illness insurance designed to be more comprehensive in its cover.

Car Insurance: Speeding Fines Play Havoc With Car Insurance Premiums
[Insurance:Car-Auto] Getting caught speeding by a speed camera will cause your car insurance premiums to rocket, as this article explains.

Buy to Let -- Dream or Nightmare?
[Real-Estate:Mortgage-Refinance] Buy-to-let can be a sound investment; many landlords are very satisfied with the results. It doesn't always go so well, though. Read on if you dare!

Lucky Dip for Loan Applicants
[Finance:Loans] Huge problems with debts in the UK have resulted in a tightening of loan procedures. The new "personal pricing" which many banks have adopted may prove something of a headache for borrowers.

Home And Contents Insurance: Don't Let Vermin Ruin Your Roost
[Insurance:Home-Owners-Renters] Pests and vermin cause a lot of damage to homes every year, but most home insurance policies don't cover it. This article discusses the problem, and offers tips to avoid being targeted.

Better Medical Reports for Life Insurance
[Insurance:Life-Annuities] Insurers have won the battle for higher quality GP reports which they need for Life Insurance applicants. Read this article for more information.

Car Insurance: Mini Bike Shocks Ahead
[Insurance:Car-Auto] 'You will pay for your youthful indiscretions in later life' definitely applies in the mis-use of mini motorbikes. Read this article to find out more.

Mortgages: The Costs Of Moving House
[Real-Estate:Mortgage-Refinance] In 2005, Britons spent over £10.6 billion on moving house - and that didn't even include the property prices. So what are the hidden costs of moving house?

Loans - Why More of Us are Turning to Credit Unions
[Finance:Loans] Where do you turn when you are desperate for cash but don’t have the sufficient credit rating? Your local credit union may be worth a shot… if you qualify to join.

Life and Critical Illness Insurance - Good Health?
[Insurance] According to an EU study, whilst we in Britain can expect to live longer than ever, it doesn't follow that our general health has improved. Read on for some worrying facts.

Mortgage Debt Warning as House Prices Boom
[Real-Estate:Mortgage-Refinance] In December 2005, the Halifax predicted that prices this year would go up by just 3 per cent, now, we could be facing an increase of 13 per cent by 2007.

Travel Insurance -Insurers Discriminate Against Those Who Battle Cancer
[Insurance:Travel] People who have had cancer in the past are still struggling to get travel insurance, as this article explains.

Loans and Credit Cards - Claim Your Money Back on Illegal Charges
[Finance:Loans] Banks are bracing themselves for the prospect that they may have to pay out millions of pounds in refunds to loan and credit card customers thanks to a new Office of Fair Trading rule.

Car Insurance - Safety First Child Restraints
[Insurance:Car-Auto] New UK regulations are coming into force to improve children's safety whilst travelling in a car. This article explains.

Getting Travel Insurance When You’ve Had Cancer
[Insurance:Travel] It has never been easy for people who have had cancer to get affordable travel insurance, but that may change, as this article explains.

Watchdog Wary Over Critical Illness Insurance
[Insurance] You may have taken out a critical illness policy, but do you know it only insures you for certain conditions? Many people don’t...

Mortgages: The Age Problem
[Real-Estate:Mortgage-Refinance] Paying for a mortgage out of a pension is not easy, but there are a few alternative methods to consider.

Loans: Take Control Over Your Money – Start Your Own Credit Union
[Finance:Loans] Where do you turn when you are desperately needed a loan and the banks say no? Why not join a credit union? Or better still, start your own credit union!

Plain and Simple – Cutting Car Insurance Costs
[Insurance:Car-Auto] Young or old, car insurance costs are a serious consideration. Here is some news that may help to keep the price of premiums under control.

City Watchdog Probes Money Lenders Over High Risk Mortgages
[Real-Estate:Mortgage-Refinance] The number of banks and mortgage brokers lending to people with a bad credit ratings has rocketed. This has prompted the city watchdog to do some digging around to make sure money-lenders are playing by the rules.

Mortgage -- Changes Ahead?
[Real-Estate:Mortgage-Refinance] There have been one or two nasty shocks regarding mortgage interest rates recently. Read what’s been going on.

Life Insurance Cover -- Fat Chance
[Insurance:Life-Annuities] Insurers are not happy with overweight clients. They may refuse insurance in some circumstances. Lose some weight and the position will change for the better.

Loans and Credit Cards: Bankruptcy on the Up
[Finance:Loans] Bankruptcies are on the up, new figures have shown -- this article looks at the reasons why.

Car Insurance: Mini Motorbike Offences Drive Up Premiums
[Insurance:Car-Auto] Children who break the law on mini-motor bikes may be denied car insurance when they go on to gain their driver’s licence.

Some Information On Buy To Let Mortgages: Are They Right For You?
[Real-Estate:Mortgage-Refinance] With buy to let mortgages increasing in popularity and availability, is this a good way for you to secure a future nest egg?

Student Loans And The Price Of An Education
[Finance:Student-Loans] Average student loan debts have reached £9,620 and nine out of every 10 students now borrows to finance their university education. But who gives a non-working student money to finance a student life?

Pet Insurance -- A Good Idea!
[Insurance:Pet] Pet theft has over taken IPod and mobile phone theft to become the fastest growing crime in the UK. It is for this reason that taking out insurance against it is a good idea.

Tracing: Lost Life Insurance
[Insurance:Life-Annuities] There are billions of pounds worth of unclaimed life insurance hiding in financial institutions. But there are ways to trace this money and claim ownership to it -- even if your life insurance policy has been lost or long forgotten.

Motorbikes -- Take Cover
[Insurance] The cost of insurance is just one factor to consider in connection with your motor cycle. Just what options are available?

Mortgages: Turn Your Pennies into Pounds
[Real-Estate:Mortgage-Refinance] The only way to get onto the first rung of the house buying ladder is to get down to some basic economics. Here we try to help:

Not Traditionally Employed: Not A Traditional Loan
[Finance:Loans] If you work on a contract or are self employed you can get a loan, but it may not be as easy as for traditionally employed people.

Home Contents Insurance Can Cover Street Theft
[Insurance:Home-Owners-Renters] The number of people who have been robbed of things like mobile phones has rocketed in one year. So you might want to consider a home contents insurance policy that will also cover your property if it gets stolen on the streets.

Life Insurance: Do You Need Life Insurance?
[Insurance:Life-Annuities] There are many different types of life insurance for different situations, the real question is – do you need it? This article gives you the lowdown.

Private Medical Insurance: Experimental Treatments Could Now Be Covered
[Insurance:Medical-Billing] Traditionally, private medical insurance companies would not cover what they deemed to be 'experimental' treatments - but it looks that will be changing, as this article explains.

Interest Only Mortgage - It Could Cost You More!
[Real-Estate:Mortgage-Refinance] Interest only mortgages may seem like the easy way out, especially if you are a first time buyer. But remain aware that sooner or later you will have to pay it back… all of it.

Student Loans – Living at Low Cost
[Finance:Student-Loans] Be financially cautious as a student and you should reap the benefits when you are employed.

Tax – Keep It Low But Legal
[Finance:Taxes] It is your responsibility to pay tax due, but it is also up to you to ensure that the bill is no higher than it should be...

Life Insurance Can Now Offer Tax Relief Benefits
[Insurance:Life-Annuities] With the last budget came the announcement of a new sort of life insurance. The good news is that this type offers tax relief.

Motorcycle Cover -- You and Your Bike
[Insurance] There are a significant number of risks involved in owning a motorcycle but what are the insurance costs?

Buy to Let Rules, OK?
[Real-Estate:Mortgage-Refinance] Buy to let regulations are set to change. The complex set of 22 rules should be reduced to two, under new rules proposed by the Law Commission.

Mortgages, HIP's - Who Will Benefit?
[Real-Estate:Mortgage-Refinance] The new ‘home information packs' look set to be a cost for buyer and seller and a source of income for government – or is that undue pessimism?

Home Maintenance - Don't Lose Out on your Home and Contents Insurance
[Insurance:Home-Owners-Renters] If you need to claim on your home and contents insurance, don't let maintenance issues get in the way of success – follow our handy guide to keeping your home in tip-top shape.

Car Insurance. Don't Forget the Legal Expense Cover
[Insurance:Car-Auto] Legal expense cover may well be an optional extra, but think of it as an essential, as this article advises.

Credit Unions: The Cheaper Alternative?
[Finance:Loans] With rising interest rates and an ever increasing cost of living, credit unions may offer a more attractive means of raising revenue than banks or credit cards. And all you need to do is become a member! Surely it can’t be that easy.

Mortgages - House Prices – Bricks and Mortar or Millstone?
[Real-Estate:Mortgage-Refinance] Is the rise in house prices set to continue or will the property bubble burst. Negative equity could be on the horizon.

Home Reversion: Funding Your Retirement
[Home-and-Family:Retirement] Pensioners may have to sell their homes to live in retirement. We consider some of the options available.

Are You Fully Insured? Take A Second Look
[Insurance] Make sure everything you have is on your insurance list, or you may lose out!

Insurance. Don't Pay for the Same Cover Twice
[Insurance] Insurance is expensive enough as it is, why spend even more when you don’t need to? This article explains how you may well be.

Store Cards – Deal or No Deal?
[Finance:Credit] Convenient? Rewarding? Maybe so, but watch out or you may spend more than you bargained for.

Health Insurance Cost Cutters
[Insurance:Health] Don't get into a rut when it comes to arranging your health insurance. Prices are rising but there are savings to be made if you know where to go for advice.

Critical Illness Cover to Evolve after Review
[Insurance] A recent review of Critical Illness Cover (CIC) by the FSA unearths some growing fears from consumers.

Is "Interest Only" Worth The Risk?
[Real-Estate:Mortgage-Refinance] We are seeing a return to the interest only mortgage. Unless you're sure that you've taken the right steps to cover the eventual capital payment, the future could be a little uncertain.

In Life Insurance SIZE MATTERS!
[Insurance:Life-Annuities] It's no longer good enough to guess your weight when filling out a form for life insurance. Firms now days want the hard and fast truth about your size and they're going to be asking you more questions than you think to make sure that they get it.

Loans. Interest Rip-offs for Those with No Other Choice
[Finance:Loans] The Loan sharks are alive and swimming, and so far, they have been left to carry on ripping people off left, right and centre. The Competition Commission is finally making a stand.

How Does Your Mortgage Compare?
[Real-Estate:Mortgage-Refinance] A "lifetime" tracker mortgage versus a two year discount mortgage. Here we make the comparison.

When is an Accident not an Accident? When Fraudsters are at Work
[Insurance] Car accidents are not uncommon, but maybe "mini shunts" on roundabouts might not be all they seem. Catch up on the latest news regarding car insurance fraud.

Car Insurance: Surf the Net for a Better Deal
[Insurance:Car-Auto] Are you stuck in a rut when it comes to car insurance? It may be time to change to an on-line deal.

Car Insurance – New Style Policies Cut the Cost
[Insurance:Car-Auto] Insurers are searching for new ways to bring down the costs of cover. Here are some of the ideas they’ve come up with.

Who Values Your Loyalty?
[Finance:Credit] Loyalty schemes are falling out of favour. Maybe it’s time to replace your loyalty credit card with something more profitable?

Travel Insurance - Insurance For The Over 65's
[Insurance:Travel] According to a survey published by Mintel, one in three pets needs an unexpected visit to the vet each year. This means that you are more likely to claim on your pet insurance than on a home & conten...

Health Insurance - Know Your Facts
[Insurance:Health] Approximately seven million of us have health insurance in the UK, for the most part it's provided by employers as a benefit. Consequently, most people take health insurance for granted and don't rea...

Foreign Currency Mortgages - The Pros And Cons
[Real-Estate:Mortgage-Refinance] Virtually all mortgage borrowers go with a mainstream UK lender to make the biggest purchase of their lives, it’s the done thing and to be honest most people don’t realise there is a viable alternati...

Life Insurance - Why Does Less Than Half The UK Population Have Cover?
[Insurance:Life-Annuities] Less than 50% of the UK population has any form of life insurance cover, says Swiss Re, one of the largest insurance companies in the world. In their latest annual report they estimate that 4.2 GBP tril...

Critical Illness Insurance - Insurers Under Fire
[Insurance] Recent press coverage has again lambasted the insurance industry over critical illness insurance. The underlying problem is that a critical illness claim is not as straightforward as, for example, a ...

Covering Yourself Against Household Pests
[Insurance] You might have been putting off doing anything about pests getting inside your home, but when you stop to consider the serious damage they do, you might just want to think again.

Buy to Let? New Rules for Landlords
[Real-Estate:Mortgage-Refinance] New regulations for larger properties in multiple occupation may result in a better image for this type of investment. Buy to let mortgage prospects are looking good.

Stop Smoking and Get All Those Things You Thought You Couldn't Afford
[Health-and-Fitness:Quit-Smoking] Smoking, have we considered all the costs of our favourite vice? We all know the price is running skywards just for purchasing a packet of our favourite brand, but have we considered the true savings to be had by kicking the habit?

Mortgages: Watch Out for Add-on Charges
[Real-Estate:Mortgage-Refinance] Mortgage lenders use headline interest rates to attract borrowers. But behind the scenes they're introducing a whole raft of add on charges. This article explains.

Insurance: Are You Paying for the Same Thing Twice?
[Insurance] Many of us are wasting money on elements of insurance that are already covered. Read on to hear more.

Home and Contents Insurance: Poor Maintenance Can Invalidate Your Cover
[Insurance:Home-Owners-Renters] If a claim on your home and contents insurance is due to poor maintenance, it could be refused. This article includes a ten-point Home Maintenance Check.

Critical Illness Cover – Children welcome
[Insurance] Your own critical illness insurance policy may well cover your children too. It would be wise to check that this is the case.

Car Insurance: Legal Expenses Cover – Make It an Essential
[Insurance:Car-Auto] Legal expenses cover is well worth including on your insurance policy, as this article explains.

Car Insurance: Are Your Eyes Roadworthy?
[Insurance:Car-Auto] It’s not just your car that needs to be in full working order, you do too – as this article explains.

Mortgages: Big Changes in the Buying and Selling of Houses
[Real-Estate:Mortgage-Refinance] In mid summer 2007 everyone who wants to sell a property will have to prepare a Home Information Packs before they put it on the market. This article explains what the Packs will have to include what they'll cost - and whether we expect them to work!

Pet Insurance Warning: A Visit to Tour Vet Can Severely Damage Your Wealth
[Insurance:Pet] Until you need it you won't realise how costly veterinary care can be. A classic case for insurance!

Giving Up Smoking Will Increase Your Wealth
[Health-and-Fitness:Quit-Smoking] You'll save more than the cost of the cigarettes if you stop smoking. The cost of your life and critical illness insurance premiums should be cut by half.

Critical Illness Insurance: Critically Important – Time to Take Cover
[Insurance] Tell the whole truth on your application form. Currently one in four of claims are rejected.

Contents Insurance – Check Your Cover
[Insurance] It’s easy to arrange your home and contents insurance and then forget about it. Make sure that you’re up to date with the cost of replacing your belongings.

Life Insurance: Fat Customers Tell Porkies
[Insurance:Life-Annuities] Insurance companies want to know the truth if you're overweight - but some clients are telling porkies! The insurance companies are non too pleased.

Loans: How to Select a Secured or Unsecured Loan
[Finance:Unsecured-Loans] All loans are either secured or unsecured. This article explains the difference and the factors which determine which to select.

Car Insurance Premiums Driven Down by the Internet
[Insurance:Car-Auto] The Internet is having a big effect on the price of car insurance. But it still pays to shop around.

Mortgages: the Pitfalls of Interest Only Mortgages
[Real-Estate:Mortgage-Refinance] Interest Only mortgages have become increasingly popular. Why, and what are the concerns?

Loans, Mortgages, Credit cards: Interest Rate Rises Around the Corner
[Finance] The financial institutions are expecting interest rates to rise. When and what's expected?

Group Critical Illness Insurance - The Cheaper Alternative to Keyman Insurance
[Insurance] If your business has found Keyman Insurance to be too expensive, take a look at Group Critical Illness Insurance. At around half the price it's a snip.

Travel Insurance: Also Get a European Health Insurance Card
[Insurance:Health] The arrangements for accessing medical care whilst on holiday in Europe have changed. This article explains but still advocates taking out private travel insurance.

Mortgages: Exit Fees to be Capped
[Real-Estate:Mortgage-Refinance] After years of lenders having a free hand to increase exit charges, the FSA steps in to restore fairness for consumers. This article explains.

Mortgages and Loans: Islamic Finance Avoids Interest.
[Finance] Muslims are forbidden by the teachings of the Koran to pay interest. This means that conventional mortgages and loans cannot be used. This article explains the alternatives available for Muslims and defines some of the words used in Islamic finance.

Dental Insurance. The NHS in Dental Shambles
[Insurance:Dental] Up to 16 million dental patients could find themselves without NHS care. This article explains.

Car Insurance: Involved in an Accident with an Uninsured Driver?
[Insurance:Car-Auto] What to do if you have an accident with an uninsured driver.

Medical Insurance: NHS Consultants Go Private
[Insurance:Medical-Billing] NHS Hospital Consultants support the case for private medical insurance. This article explains.

Home Insurance, Flood Alert
[Insurance:Flood] Houses in high flood risk areas could be uninsurable. That's bad news for owners as its value could drop by 80%. This article provides the background.

Life Insurance: How The New Regulations Affect Policies Written In Trust
[Legal:Regulatory-Compliance] The 2006 Spring Budget changed the treatment of some life policies written in trust. This article explains the tax position unveiled by the Finance Bill.

Life Insurance Available With Tax Relief
[Insurance:Life-Annuities] You can now buy life insurance cover and get tax relief on your premiums. But you have to buy a special policy. This article provides the details.

18 Tips For Privately Buying A Second Hand Car
[Automotive] Do some initial homework. Find out about the type of car you are considering. Check out any known mechanical problems with that model. Check out the current second hand values for the car.

Car Insurance Premiums Could Be Falling Soon
[Insurance:Car-Auto] The legal system in Britain currently means that all personal injury claims have to go through the courts individually. Many personal injury claims crawl through the courts at a snail’s pace. The res...

Proposed Changes Could Result In Lower Car Insurance Premiums
[Automotive] At the moment, the legal system in Britain forces all personal injury claims to go through the courts and be judged on an individual basis. Many of these claims crawl through the courts at a leisurel...

Car Insurance - How Can You Lower Your Premiums?
[Automotive] Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will ...

Critical Illness Insurance - The Non-Disclosure Problem
[Insurance] Critical Illness insurance has been getting a bad press. This article explains the reasons and the truth behind the situation.

Mortgages - Higher Lending Charges are Outrageous
[Real-Estate:Mortgage-Refinance] Higher Lending Charges are often charged if your mortgage is 90% or more of your property's value. We think the charge is a form of profiteering by the lenders and should be abolished. This article explains why.

Buy to Let Mortgages - Boom Time Returns
[Real-Estate:Mortgage-Refinance] Buy-to-let mortgages are booming again. What's changed and what, as a new landlord, do you need to look out for?

Loans Are lenders cheating on APR's?
[Finance:Loans] APR's are supposed to be a reliable basis on which the public can judge the true cost of the money they borrow. But can the figures be relied on? This article comments.

Life Insurance - Bargain Life Insurance When You Take Out A Pension Policy
[Insurance:Life-Annuities] Under new tax rules, if you're taking out a pension you have the opportunity to add in life insurance cover at a knockdown price. This article explains.

Personal Finance: Credit Agencies Refused Access to Information About Student Loans
[Finance:Student-Loans] If you apply for any form of personal credit, the lender will inevitably obtain your credit history from one of the big credit agencies. But these credit records do not include information about student loans. This article explains the background and whether the situation is likely to change.

Payment Protection - What's All The Fuss?
[Insurance] Payment Protection Insurance has been getting a hammering in the press lately. Why and is PPI a good idea? This article investigates.

First-time Buyers Let Down by the Governments Homebuy Scheme
[Real-Estate:Mortgage-Refinance] At this stage, the Governments "Homebuy" mortgage scheme for first-time buyers seems a waste of time. This article explains why.

Take a Last Gasp and Count the Savings!
[Insurance] If you gave up smoking at least a year ago, this article will help you save lots of money on your life insurance. Essential reading.

Essential Information About Car Insurance Excess Payments
[Insurance:Car-Auto] If you increase the excess payment on your car insurance you'll save a lot on your premium. This article explains.

Credit Cards Shamed into Cutting Charges
[Finance:Credit] At last the Competition Commission takes steps to cut excessive charges on credit cards. This article explains the new rules and names the worst offenders

Car Loans Drive Down the Cost
[Finance:Loans] Usually the cheapest way to finance the purchase of your car is usually with a personal loan. But there are other methods. This article explains.

Car Insurance - It's Getting Increasingly Expensive When You're Elderly
[Insurance:Car-Auto] If you're an elderly driver or a member of your family is an elderly driver, this article explains the problems you'll discover when trying to find car insurance and some useful advice on what to do.

Credit Problems? Tackle Them Head On!
[Finance:Debt-Relief] Some practical advice on how to tackle debt problems.

Life Insurance and Critical Illness Insurance. Cancer Tests To Increase Women's Premiums
[Insurance:Life-Annuities] The life insurance industry seeks approval to ask women for test results that can predict breast and ovarian cancer. This article explains.

Car Insurance. Uninsured Cars To Be Crushed
[Insurance:Car-Auto] Uninsured drivers are having their cars confiscated and crushed. Harsh treatment? This article thinks not!

Car Insurance - How Can I Lower My Premiums
[Insurance:Car-Auto] Car insurance is a major cost for motorists – so it makes sense to cut the costs wherever possible. This article tells you how.

Credit Cards Watch Out When Using Your Credit Card Abroad
[Finance:Credit] A few timely reminders on how to avoid extra charges on your credit and debit cards whilst travelling in euro-land.

Interest Only Mortgages – FSA Introduces New Regulations
[Real-Estate:Mortgage-Refinance] First time buyers often choose the interest only mortgage, attracted to the lower monthly payments. However, as this article explains, the FSA has changed the regulations.

Life Insurance – Why Your Policy Should Be Written In Trust
[Insurance:Life-Annuities] Not enough people realise that they need to get their life insurance policy "Written in Trust." This article explains why it is so beneficial...

Life and Critical Illness Insurance - Tell the Insurers Everything When You Apply
[Insurance] Non-disclosure of relevant information is the single largest reason for the rejection of a life or critical illness insurance claim. This true story points up the complications...

Home and Contents Insurance - Why Premiums are on the Increase
[Insurance:Home-Owners-Renters] Home & Contents insurance has been becoming more expensive year on year, this article discusses the reasons why, and seeks to find ways to break the cycle.

Dental Insurance: Biting on the Cost for Private Treatment
[Insurance:Dental] Dentists are leaving the NHS in droves and this means that many of us will be forced to go private. This can be expensive - so be wise, buy dental insurance. This article charts your options.

APR, AER and EAR are Terms Used in Financial Advertising - What do They Mean?
[Finance:Loans] The term APR is commonly used in financial advertising but what does APR and its lesser-used cousins AER and EAR mean? AR. This article sheds some light.

ReMortgaging - Can It Still Be Worthwhile?
[Real-Estate:Mortgage-Refinance] If you want to find out whether you can save money by remortgaging you need to do some homework and make a few phone calls. This article tells you what to do.

Foreign Currency Mortgages - Take Advantage Of Some Of The Worlds Lowest Interest Rates
[Real-Estate:Mortgage-Refinance] With foreign currency mortgages the risks are high but they have the potential to save you a lot of money. This article investigates.

Mortgage Payment Protection Insurance: 11 Top Tips
[Insurance] Considering Mortgage Payment Insurance? Check out these 11 Top Tips – you'll find them invaluable.

Life Insurance Premiums Put the Squeeze on Fat People
[Insurance:Life-Annuities] If you're overweight the life insurance companies use the Body Mass Index to decide whether to load your premium by up to 400%. What does the Body Mass Index mean to you? Read this article and find out.

Big Changes on the Horizon for Critical Illness Insurance
[Insurance] Premiums for critical illness insurance have risen dramatically in recent years. Now it looks as if the insurers are coming up with ideas to make cover more affordable for the masses.

Critical Illness Insurance - The Press are Giving Insurers a Hard Time
[Insurance] Recent Court cases serve to highlight problems with critical illness insurance. The bad publicity is not always deserved but does raise important issues. The insurance industry needs to sort its act out now - after all almost everybody needs critical illness insurance.

Adverse Credit - When is a Credit History Labelled as Being "Adverse"?
[Finance:Credit] Nobody wants an adverse credit rating. So at what stage does your credit history change from being acceptable to being “adverse”? This article investigates.

Buying a Second Hand Car? 19 Tips to Avoid Getting Your Fingers Burnt
[Automotive] Follow these 19 tips to ensure you've done just about everything to ensure you've bought the second hand car at the right price, it's legally yours, and you haven't bought a scrapper!

Life Insurance - Why Does the UK Have a 2.3 Pounds Trillion Protection Gap?
[Insurance:Life-Annuities] There are lots of families who don't have life insurance protection but who should have. This article looks at the size of the protection gap and investigates the reasons.

Pet Insurance - Suss Out the Answers to 10 Key Questions
[Insurance:Pet] Pet insurance has become the fastest growing form of insurance in the UK with over 220 policies on the market. Here are 10 key questions to ensure you get the right policy.

Travel Insurance - Do I Need Insurance for a Holiday in the UK?
[Insurance:Travel] Don't assume that Travel Insurance for a holiday in the UK is a waste of time. It can make sense - but buy online for a bargain.

Medical Insurance - Sorry, You're Not Covered!
[Recreation-and-Sports:Basketball] If you're looking for Medical Insurance you must read this article. It's important to appreciate what will and won't be insured. Do your homework now and understand the pitfalls - it will help you choose the right policy.

Travel Insurance - Few Bargains For the Over 65's
[Insurance:Travel] If you going on holiday abroad you'll need travel insurance. But if you're over 65 you're find the cost extortionate. This article points out why, indicates likely costs and tells you some of the small print to look out for.

Pet Insurance - is It a Waste of Money?
[Pets] Pet insurance won't cover your pet for elective or routine treatments so what does it insure, what sorts of plan are available and what do they cost? This article is an informative read before you buy!

Calling All Smokers-A Dream Ticket for Two to Paradise Island - For All of You!
[Health-and-Fitness:Quit-Smoking] When you take into account the extra costs of your life insurances, smoking costs more than you think. This article spells out the costs and what the money could achieve if invested or what it could buy!

Loan Cover - Watch Out for Payment Protection Sharks
[Finance:Loans] Around 50% of borrowers get Payment Protection Insurance for their loan. It would appear that many are being ripped off. This article investigates the pitfalls and the solutions.

Memo to Myself - I Need Keyman Insurance
[Insurance] Keyman Insurance is the most overlooked of all business insurances especially for small businesses where the need is greatest. This article argues that businessmen should insure the risks.

Life Insurance - Smokers and Overweights Pay Over 50% More!
[Insurance:Life-Annuities] The cost of Life Insurance is going up for smokers and those of us who are overweight. This article explains who is affected.

Keyman Insurance - Protect Yourself Against Some of Your Biggest Businesses Risks
[Insurance] Keyman insurance is one of the most overlooked insurances for business – but also one of the most important. This article looks at the risks it can cover for Directors, Shareholders, partners and employees alike.

Life Insurance and the Law - A Layman's Introduction
[Insurance:Life-Annuities] This article is an introduction to the regulatory and legal aspects of buying Life Insurance which the layman should find interesting and useful. Special reference is made to buying life insurance on the Internet.

Life Insurance and Life Assurance are Not the Same!
[Insurance:Life-Annuities] Life Insurance and Life Assurance are different. Most people assume they are one and the same product and their online searches reflect this. What are the differences and what are they used for? This article provides an explanation for the layman.

Glossary of Common Terms Used During the Mortgage Process
[Real-Estate:Mortgage-Refinance] A layman's glossary of 34 terms commonly used during the process of arranging a mortgage in the UK.

Life Insurance - Medical History Increases the Cost for 66% of Applicants
[Insurance:Life-Annuities] Life companies keep their initial quoted prices low by being choosey on who they accept on standard terms. Having made a formal application, two thirds of applicants will face a loaded premium. This article explains why and what the shopper can do about it – choose an online broker!

Mortgage Protection - Easing Your Biggest Concerns
[Insurance] Most homeowners have life insurance to repay their mortgage if they were to die. But death is only one of many risks. What other risks threaten your mortgage and how can they be offset? This article investigates and offers some solutions.

Buying Life Insurance? One Tip to Save You Thousands!
[Insurance:Life-Annuities] A top life insurance tip to save some people 40% tax and ensure their policy pays out with the minimum of fuss.

Buying Life Insurance Online - Is It A Really Good Idea?
[Insurance:Life-Annuities] You’ll find the cheapest prices for life insurance on the Internet. But are there hidden complications and does low price come at the expense of quality? The Author explains how it is done and concludes that buying online certainly is a good idea.

Critical Illness Insurance - Do you really need it or is it a waste of time?
[Insurance] There is a 1 in 5 chance that a man will suffer a long-term critical illness before his normal retirement age. So why isn’t critical illness insurance more popular? This article investigates the reasons and reinforces the importance of this form of insurance.

Offset Mortgages: A Dream for Well Off Homeowners
[Real-Estate:Mortgage-Refinance] Offset mortgages are set to become hugely popular, especially amongst higher tax payers. How do they work, what’s the benefit and is there a catch? This article investigates.

Life Insurance - Top Money Saving Tips
[Insurance:Life-Annuities] Buying life insurance online is easy but this article provides 5 money saving tips that the man in the street would otherwise be unaware of. Essential reading.