Finance Blog

The saying goes “Time is Money”, which makes sense to me. The more time you spend at work, the more money you make. The more time you spend away from work the more money you don’t make. So things that are time consuming, consume potential earnings. So the question I have is: what do you do with time-consuming endeavors that you engage in to borrow money? When you need some quick cash, the quicker you can get the cash, the better. Today is Valentines Day, and you forgot to get a gift, and you need some money quick. Try getting a loan at the bank and getting your money in just a matter of minutes. It won’t happen. The process to borrow money from a payday lender takes about 10-15 minutes (which includes the application process) and they usually give you cash. You will never find an easier, quicker way to get cash than that. So a payday loan is good option, if you need money, but don’t have all day to spend at the bank. You are in and out and back to work making money, and you got that special someone a great gift for Valentines Day. ....

There are a lot of ways to invest your money. And the Internet has made things possible now that would never have been dreamed of 10 or 15 years ago. It is now possible for the small guy to make big profits just like a professional trader. Certain schemes are boasting weekly profits that some people would only normally expect to make in a year. Welcome to the world of HYIP’s and Forex. Here we are going to take a closer look at these schemes to find out how they work and give you enough information so you can decide if you want to join. I’ll also let you in on what I believe to be the best HYIP Forex scheme that you can possibly take part in.....

A bank account is a very important financial tool and facility to most people, and it is important that you ensure that your bank account offers everything that you need to conduct your day to day finances with ease and convenience. There are a number of bank accounts available to consumers these days. However, you may find that your options are restricted based on your circumstances. For example, if you have poor credit you may find that you are only able to get the most basic of bank accounts until your credit improves.....

More than half all homeowners in the UK are paying too much for their mortgage according to a recent survey. So if you are struggling to keep up with mortgage payments, or just feel you are paying over the odds on your home loan, then re-mortgaging may be the answer. It can give you lower monthly payments and even save you money in the long-term so there is little to be lost from at least exploring the possibility.....

Making financial decisions is part of life. So is dealing with the consequences of those decisions, whether positive or negative. Let’s talk about the decision to buy a home, and what the positive or negative consequences of that might be.....

It is estimated that more than half of all borrowers – that is most of the people in the UK - are paying too much for their mortgage each month. Usually these people are paying a standard variable mortgage rate when there are lower rates available from other providers. Unsurprisingly banks are unwilling to let borrowers flit between mortgages once they have them hooked on to a high rate and in recent years mortgage and re-mortgage fees have rocketed. We had to pay for those fancy introductory rates somehow.....

If you haven’t heard of Northern Rock in the last couple of weeks then you have probably been living in a cave. Amongst all the hype, finger pointing and political gesturing that the bank’s nationalisation has provoked however, there are actually issues that will effect the man in the street beyond making all TV rubbish for a couple of weeks. Read our easy to understand guide to the Northern Rock saga and find out exactly what these issues are.....

The thought never entered your mind! You bought your home with the best of intentions. Perhaps the lender assured you that you could “just refinance” when those heart-stopping payment increases began. ....

Debt consolidation is a financial solution that can really help those with a number of high interest debts to deal with each month, such as credit cards and store cards. There are a number of solutions available for those with high levels of debt, such as debt management or IVAs. ....

In the world of credit card usage, many cardholders can flounder in the bewildering mass of credit card fees that are tacked on to the monthly payment balance. Therefore, it may be appropriate to list the most common credit card fees that are accessed and explain what each one means for, you, the cardholder. Naturally, each one of these common fees is charged to the credit cardholder’s account at certain times and often under certain constraints or circumstances, so their presence will vary from one user to another.....