March 2013

A clever trick to boost your interest rate

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A clever trick to boost your interest rate
With the interest rates being as low as they’ve been for decades, you may feel what’s the point in bothering with a savings account. Rates were as low as 1%, meaning from $10,000 in a savings account you’ll receive a poor $100 in return for tying up your money.
 
Wouldn’t you be interested in boosting this rate, by any means possible? With the recession being the way it is banks aren’t really able to offer the kinds of interest rates that they used to. This is unlikely to change anytime soon. You can understand their ploy – they’re trying to encourage people to spend there money, in a bid to help resuscitate the economy. After all no-one’s going to be making any money if everyone wants to sit on theirs and are afraid to open their wallet. With such a low interest rate you’re expected to spend your money as fast as you’ve earned it, but there is another way.
 
You may or may not have heard of the idea of credit card stoozing. This isn’t really a new idea, its been done since the invention of credit cards which offered 0% interest on purchases. …

February 2013

5 Best Ways To Make Money From Home

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5 Best Ways To Make Money From Home
 
Everyone’s looking at ways of making a bit of extra money on the side of their normal 9-5 job, and really when you take a look at society and the way things are going then who can blame them? We’ve been involved in discovering the 5 best ways to make extra money from home and have discussed them below for your own use. Read and take action!
 
1. Selling your old possessions
Its crazy how many things the average household can collect without even realising it. Take a look around your room now (if you’re at home, use your imagination if not). I bet there’s loads of things you can see which you don’t really use. Perhaps you’ve got a massive collection of DVD’s that are just collecting dust on your shelves. Or an old games console. Maybe some books on the bookshelf that you’ve already read. Whatever it is, you know for sure that you’ll be able to find a buyer online. Just list your item on the Amazon marketplace, or eBay if you prefer. If you’re not silly about your pricing you’ll find a seller.
 
2.  Selling other people’s possessions
Don’t have anything  to sell? …

February 2013

What is Debt Repayment Protection Insurance? (And Why You Might be Owed Lots of Money)

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What is Debt Repayment Protection Insurance? (And Why You Might be Owed Lots of Money)
Debt repayment protection insurance is a controversial type of insurance that has recently come under some fire in the press. There’s a chance that you might be paying debt repayment protection insurance that you didn’t ask for without even being aware of it – and if that’s the case then you may be able to claim back thousands of dollars. Read on to find out more.
In principle debt repayment protection insurance is a good idea. It does what it says on the tin – providing insurance for your loans so that you’re covered if you can’t pay the loan back. This gives the lender more confidence and means they can charge a lower rate, and it means you can avoid getting into serious debt if life circumstances leave you unable to pay. There are many debt repayment protection insurance companies out there that do a great job of this and that provide a great service.
That however is true of the debt repayment protection insurance companies that are private and that you seek out. Where it is a problem is when banks and lenders add debt repayment …

November 2012

How to Check Your Credit

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How to Check Your Credit – Credit Score Range
Getting into debt is dangerous for many reasons, and among these is the impact it can have on your credit rating which can then make it difficult for you to apply for credit cards and general loans. Because your credit rating is a reflection of your previous ability to pay back loans, this means that lenders are weary of lending to anyone whose score is bad.
Fortunately there are several ways to improve your credit rating – such as getting a credit card and then paying it back on time regularly, or paying off all your existing loans, or using loan consolidation in order to pay off debts with one larger loan that you can then pay back.
However in order to know whether you should go ahead with these strategies you first need to know the condition of your credit rating as it is. At the same time you also need to know what your credit rating is like before you apply for loans and even before you apply to rent a property. If you don’t then you can end up wasting time spent applying only for your application to be rejected, and …

November 2012

Getting Out of Debt – Your Options

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Getting Out of Debt – Your Options
If you’re struggling with your finances then you might find that the specter of debt is closing in on you fast and that the amount you owe is slowly mounting up. In these cases the silver lining is the number of different options available to you to help repair your financial situation. Fortunately if you are in debt then there are many different ways of getting out of debt and there is sure to be one that suits your particular situation. Here then we will look at some of the ways of getting out of debt – solutions that can help you to manage and shrink the amount of debt you owe.
 
Bankruptcy: First of all, bankruptcy is one option for getting out of debt. This may seem like a drastic measure but it is more and more considered a viable option. When you declare bankruptcy you will have your debt restructured and in some cases it will be completely paid off by the state. This will of course affect your credit rating however, and you may find that you lose some of your assets in the process unless you use asset protection.
 
Restructuring: Restructuring your …

August 2012

What Can a Bailiff Take

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What Can a Bailiff Take
One of the scariest aspects of debt is the bailiffs and this is the real manifestation of the debt nightmare. You’ve failed to pay off your debts, and now you have someone at your door threatening to take away the things you love the most. Avoiding this at all costs is of course crucial, and it’s very important that you know your rights with regards to having your items taken to pay off your debts.
Debts that can be referred to bailiffs include those that are subject to a county court judgment, tax debts such as poll tax, council tax and self employed tax, and this will be preceded by a distress warrant. The bailiff will then have the legal rights to enter your home and take your belongings.
However the bailiffs will not have the rights to take all of your belongings and its important to know about these. For instance the bailiffs may not take anything that does not belong to you – so that means rented DVDs or the book your friend lent to you. While it’s risky, if you have a friend who is happy to help then now might be the time to …

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