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  • Disposable Income Figures Show Gap Narrowing  By : Mr Hanna -
    The research from KBD has also revealed the full extent of the north-south financial divide.

    Taking the UK as a whole, the typical household has some £40,000 of disposable wealth, but this figure oscillates wildly depending on where you look – and indeed where you live.

    An average London family will possess £81,732 in readily-accessible cash, while the Midlands sees this figure reduced to £31,939 and Scots find themselves cut somewhat adrift with a typical £29,724 waiti...
  • Phishing Scams And Credit Cards  By : Tim Renolds -
    When it comes to new technology all have come with various drawbacks and credit cards have been no different. One of the specific drawbacks come in form of phishing. Phishing is done when a person uses a fake email or fake online shopping websites in order to gain information about you, your bank, or your credit card. This has become extremely common and something to be extra careful and mindful about.

    The interest has made phishing extremely easy and has become a very pop...
  • On Banks  By : Geoff Gannon
    A discussion of competitive advantages in the banking industry. This article was inspired by a Morningstar articles asking "Do All Banks Have Moats". Several different reasons are discussed explaining why these "moats" exist.
  • Buying Smart...  By : Ryan Ginster -
    When you are looking into buying any item there are a few things you will want to be aware of. First, make sure the item is of high quality and will work exactly the way you need it to, regardless of what it is. Make sure you are buying from a reputable retailer or business. If you need to double check, you can check with the better business bureau to see if any reports have been made on that particular retailer. There is nothing worse than buying an item that will break need...
  • General Information Regarding Self Certification Mortgages And Remortgages In The UK  By : Central Mortgages -
    Self certification mortgages and self certification remortgages are useful financing options for those individuals looking to buy a new home or obtain a new mortgage in the UK. Those individuals who will find a mortgage of this type most useful are those who are gainfully employed yet may have a difficult time showing where the money comes from and how much money they receive on an annual basis. Examples of individuals who may experience this problem include those who are sel...
  • Financial Options After One Has Declared Bankruptcy  By : Central Mortgages -
    Bankruptcy is a financial option for those individuals whose debt has run away from them. It is not that hard to experience debt issues and individuals have had to declare bankruptcy in order to dig themselves out of the surmounting debt. The term bankruptcy has negative connotations however this should not be the case. An individual who declares bankruptcy is taking that big step in order to get their finances under control and wipe the slate clean. Individuals may be hesita...
  • Ways In Which Individuals With Poor Credit Can Obtain Financing  By : Central Mortgages -
    Poor credit is an issue that plagues many individuals. There are a large number of people who find that their credit is less than satisfactory. Those who experience this problem may be concerned that they will be unable to obtain future loans if a poor credit history is a part of their record. This is not the case and there are many different ways in which individuals experiencing bad credit can obtain financing for a variety of different reasons.

    Special Auto Financing

    ...
  • Emergency Payday Advance Myths Debunked  By : Bernardo Ortiz -
    Need instant cash? Apply for a payday loan. Quite a simple solution, isn’t it? While the popularity of pay day advances is growing, so are the myths surrounding them. If you are applying for payday loans for the first time, it could turn out to be a bit intimidating. However, if you look at these loans analytically and objectively, you would realize that these offer numerous benefits over other loans. So it makes sense to know the facts and the advantages that they offer and ...
  • Donating To Charity On A Budget  By : Cheryl Johnson -
    I always feel guilty that I can't give to charity more than I do. But, honestly, my budget is trimmed down to the bare minimums and our income just meets those obligations with pennies to spare. Still, I feel that I should be giving something. After all, I know that there are other families struggling much harder than ours to simply provide the very basic needs of survival.

    You need only to look at your budget to see that our society places a high price on the very basic ...
  • Purchase Protection  By : Debbie Dragon -
    Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce, creditors are attempting many different strategies in order to gain and retain loyal customers. Purchase protection insurance is one of the benefits a credit card company may offer that their leading competitor does not- in an effort to gain new customers and keep customers from "goin...
  • Alternatives To Bankruptcy  By : Debbie Dragon -
    Many people want to file bankruptcy the moment they realize they are in over their heads, and they feel like there is nothing they can do to get out of debt. Bankruptcy however, should be used as an absolute last resort- after all other options have been thoroughly researched and exhausted.

    Before making the decision to file bankruptcy, consider each of the following alternatives:

    • Refinancing
    • Debt Consolidation
    • Debt Settlement
    • Debt Negotiation

    If after you...
  • Home Buying Checklist - Paint and Stucco  By : Raynor
    Buying a home is a big investment. You should use a checklist when sizing up potential homes. In this article, we cover a home buying checklist for paint and stucco.
  • The First Home Owners Grant  By : Tracey Anderson
    Information about the first home buyers grant in Australia: find out if you're eligible and how to make the most of it when purchasing your first home and organising your mortgage.
  • On Microsoft (MSFT)  By : Geoff Gannon
    A value investor discusses Microsoft (MSFT). The focus is long-term. Areas for possible future growth such as search and video games are discussed.
  • Money Is In The Mind  By : CD Mohatta
    Some of us make huge money. Some makes a real big amount. It is as if they have a magic formula. Look at the rich list. Most of them find their name repeated year after year.
  • Understanding and Trading Put Options  By : Billy Williams
    This article focuses on key simple concepts to help the reader grasp the benefits of using put options to maximize returns while controlling risk.
  • If You Had To Choose, Would It Be A Ton Of Bricks Or A Ton Of Feathers?  By : David Weeks -
    In the world of traditional business and employment, we face several dilemmas. The first dilemma of traditional business is obviously the start-up capital. The amount of capital usually required is enormous in the brick and mortar world. The second dilemma of traditional business is the rise and fall of profits or the "not knowing" if the business will survive. Traditional brick and mortar requires the ownership to participate in a twenty-four hour endeavor just to keep the b...
  • How To Avoid Bankruptcy  By : mrizalm
    Filing for bankruptcy is an extreme move, not a quick fix. It’s a long, painful process with a huge stigma, and you’re unlikely to be able to get any kind of credit for ten years afterwards. Yet bankruptcies are on the rise. Out of ignorance or stupidity, more and more people seem to be using bankruptcy as a first option, instead of a last resort. Before you do it, make sure you’ve considered every alternative.
  • Money Is A Family Affair  By : Terry Rigg -
    If you are single and don't have kids this tip won't mean much to you. For the rest of us that have others to consider when making money decisions it just may make things a little easier.

    I guess the best knock-down, drag-out fights my wife and I ever had was about money. No, it never came to blows because she's meaner than I am. Believe me you can have a lot of fights in almost 40 years.

    At some point we realized that it wasn't accomplishing anything. We still didn't h...
  • The Bills Can Wait  By : Terry Rigg -
    Have you ever wanted anything so much that you were willing to put off your bills to get it? A lot of people have and some do it month after month. The worst part of this is that these same people wonder why they are having money problems.

    I'm not talking about putting off the bills to buy groceries or pay for necessities. I'm referring to those little things that you just have to have but really don't need.

    This could range from buying a soda or cup of coffee everyday ...
  • Saving Money on Gas – The Scoop on Products and Services  By : Rick Solare
    As gas prices skyrocket and are forecasted to continue doing so, saving money on your fuels costs is becoming very important. Here is what you really need to save a few bucks.
  • Got Wealth?  By : Richard A. Chapo
    The last ten years has seen massive wealth growth in the United States. This brings up the issue of wealth planning, particularly from a tax perspective.
  • Loans. Mortgages. Credit Cards. Interest Rate Rises Around The Corner.  By : Michael Challiner -
    Financial traders in the City are expecting interest rates to rise by half a percent by the end of this year. These days the Bank of England prefers to make a series of small changes to interest rates rather than one large change, so watch out for the first 0.25% rise around August time

    Mortgage rates are already reacting with the rates for fixed rate mortgages rising. The best rates for two year fixes are now in the 4.15% to 4.48% range and for three year fixes, 4.49% to ...
  • Borrowing – Your Options Explained  By : Joseph Kenny
    When you approach a lender to ask for a loan, you can expect a certain formula. Mortgages are a particular type of loan – they usually involve larger amounts, are spread over a longer period, and are secured on your house.
  • Cedar Fair to Buy Paramount Parks  By : Geoff Gannon
    Publicly traded limited partnership Cedar Fair (FUN) will acquire the Paramount Parks business of CBS Corp (CBS) for approximately $1.25 billion.
  • 5 Great Reasons To Refinance  By : Home Loan Center Editorial Staff -
    There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don't always allow us to meet our financial goals. Today, even reducing your mortgage interest rate a little can save you big over the life of your home loan. Take a look below at 5 great reasons to refinance.

    1. Lower Your Monthly Payment
    If you plan to live in your home for a few years, it may make sense ...
  • Open Source Goes Mainstream  By : pete arkwright
    An article about the increasing commercial use of open source technology despite copyright issues.
  • E-Privacy – Fact or Fiction?  By : pete arkwright
    An article about e-privacy, the laws governing "spyware" or "malware"
  • Potential Implications of Insolvency for Directors  By : pete arkwright
    An article about the liabilities directors may face personally in the event of corporate insolvency
  • Personal Accounts – Choosing Your Bank  By : Joseph Kenny
    While many people are with their bank because they’re used to them or because it seems like an unwanted hassle to change accounts, there can be benefits to shopping around.

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