4 Mortgage PPI Costs Increase due to New EU Regulations.

Thousands of women in the UK will see a sharp rise in the cost of insurance later this year once new rules outlaw the use of gender in calculating insurance premiums. Currently, some forms of insurance are cheaper for women and others for men. From 21st December 2012, insurers will no longer be permitted to charge rates separately for men and women. The European Court of Justice’s ban on gender discrimination when setting prices for financial services will come into effect on the 21st of December 2012. This will also affect men as the ruling means that pension income paid by annuities is likely to fall post 21st of December....

0 The hidden truth behind travel money

The hidden truth behind travel money – the complete guide for penny pinchers Every year we sit around and wait for that period of time when we can forget about work, leave the kids with grandma and get on a plane bound for a far and mystical destination. We spend hours planning it; which hotel is best value for money, plan routes, compare ticket prices and research the amenities at our chosen place of holiday. On my last trip to Brazil with my wife I couldn't believe how much money we wasted on exchange rates in retrospect. Once home, I educated myself on the subject. Astonished at what I found, I wanted to share it with others so they won't...

0 A Guide to Employee Tax and NI

Imagesource Getting your employee tax and national insurance right can save you money and a nasty letter from the tax man, as well as fines and even court orders. Some employers do not understand the basics of employee tax and NI which then results in them overpaying their staff, or perhaps even underpaying them. This guide aims to help you better understand what is required of you, as well as how you can save money and avoid those nasty fines. The Basics of National Insurance for Employers and Self Employed Workers As an employer it is your duty to pay National Insurance Contributions (NIC) on the earnings...

8 How to Save Money By Taking a Bridging Loan

What Are Bridging Loans? Bridging loans are modes of financing which is short term in nature. These are resorted to by people who are in dire need of raising funds immediately. These type of loans are normally secured by people in the residential homes, commercial, and semi-commercial properties sector. Arrangement for bridging loans are easy to do, and can be availed of easily within a short period of one to two weeks. There are two types of bridging loans. One is a second charge bridging loan that is availed of in case there are arrearages in monthly amortization payments. The second would be a first charge loan which would pay off the...

4 Where to invest in the UK?

In the current climate of widespread financial uncertainty, knowing exactly what to do with your money can be particularly tricky. The impact of the continuing economic slump on the various parts of the UK has varied from region to region. While some areas have held up reasonably well in the face of weak consumer demand domestically and the long-running crisis in Europe, others have seen a sharp fall in economic activity. It’s important, then, to think carefully about exactly where you invest so that you can guarantee at least a reasonable return. Perhaps the most obvious place to park your money in the face of economic weakness is the...

3 How To Be Frugal?

Being frugal is not always easy in today’s busy world. You want to be frugal and you mean to save money but somehow you never quite get there. If this describes you and you really want to be more frugal, you need to start following a few simple rules. Set Something Aside for Emergencies If you want to truly be frugal, you have to plan for the unexpected. You should include a set amount in your budget each pay period to handle emergency car repairs, trips to the doctor, home maintenance and the like. This money should always go into your savings account and not be touched until it is needed. Otherwise, it will be all too easy to reach for the...

0 Repost: How the Mortgage Industry Can Help the US Economy

This is an article I recently wrote for Economic Intersect. Do visit the original article at http://econintersect.com/b2evolution/blog2.php/2012/10/09/how-the-mortgage-industry-can-help-the-us-economy With the world still recovering from the 2008 global financial meltdown, the Federal Reserve is using every means necessary to stave off any potential threats to the U.S. economy. On September 13 Chairman Ben Bernanke announced another round of quantitative easing to further stimulate the economy which is suffering from sustained unemployment above 8% and little growth in GDP. As seen on CNNMoney the next morning (the 14th), world markets...

0 Repost: Housing Will Be What Pulls Us Through

This is an article I recently wrote for The Niche Report. Please do visit the original post at http://www.thenichereport.com/blog/housing-will-be-what-pulls-us-through/ The worldwide economy is shaky at best. In fact, there are more doomsday predictions about total economic collapse out there right now than there are about any other subject. So who do you believe, and what could make the world a more stable place to live economically speaking. When you set aside the EU problems with government debt, the slowdown in Chinese manufacturing, unrest in the Middle East and chaos in South America and Africa, all you have left is the U.S. economy;...

1 How To Protect Yourself When Choosing A Debt Relief Program

When it comes to getting out of debt, it seems like everyone is an expert. You'll hear advice from bloggers, financial advisers, debt relief companies, and even friends and relatives. Just keep in mind that there is no single best way to get out of debt. There are plenty of options, and all can work in the right situation. The most convenient way to find good, honest debt advice is searching through the available online resources. You can read these on your own time. And draw your own conclusions. Just keep in mind that anyone can set up a website that makes their company of their solution look professional. If you are going to set up your...

0 How to Save Time and Money by Working from Home

We are all looking for ways to tighten the reins and figure our place in the larger scheme of things. While the world economy and your local economy was likely go-go-gangbusters in the 1990’s and early part of the new decade, in the past few years the economy has been in a tailspin and people are not living nearly the same way as they once were. It is important, then, for those looking to make some kind of meaningful change, settle your debt, or at the very least not incur any new debt to look at all possible options. One way to get help with your debt may be actually to work from home. Depending on what your skill sets are and depending...

3 Understanding your rental agreement – five things to keep in mind

It is always exciting when you move into your own place, whether you are purchasing or renting. But remember, just like a mortgage, signing on for a lease is more than a big step: it is a legally binding agreement. Wherever you are renting real estate, western suburbs, Melbourne to Allura to inner city Glebe, you are bound by your rental agreement. Here are five things to keep in mind. 1. You have to fill out an application form first It seems you have to fill out an application form for almost everything these days, and a rental property is no exception. Once you find your dream rental property, you’ll need to fill out a tenancy application...

0 Clever Ways to Make Money from the Property You Live In

Are you struggling to cope with the cost of living? As monthly outgoings for most people rise significantly it is only natural to want to find a way to make more money. If taking on a second job is not an option you will be pleased to know that if you are home-owner you could be making money from your home. So, what are your options? Rent Your Spare Room This is one of the oldest ways around of earning extra money from your home with companies such as Airbnb making it extremely easy to find tenants. Unlike in the past you can find lodgers for just a few days or for a Monday to Friday stay if you’d rather not have a lodger 24/7. So if...

3 A Mother’s Instinct: Money Saving Tips For Mommies

When it comes to family finances, moms are always on the frontline when it comes to buying the supplies for her home. She’s the one in charge for getting foods, giving allowances and providing the needs of the kids. Since, our economy isn’t in good shape these days; there really is a need to be meticulous when it comes to shelling out cash for these needs. Therefore moms have a huge responsibility in saving money more than earning and spending it too much. Among all the skills a mother should be good with; it’s financial management that she should really learn to grasp. However, this does not mean she has to take crash courses...

1 10 Things You Should Invest In

If you are considering getting involved in investments, you should know which things are the best products that will give you the most return on your money. Here are 10 things that you should invest in:  Land Owning and investing in land has been something that has brought people anything from a few hundred dollars in rent every month to millions of dollars when they sold it. It all depends on the type of land that you buy. If you manage to buy them when the prices are low and then sell when the prices are high, there are big returns you can net for your initial investment. HousingJust like land, investing in buying property in the...