Making money from zero percent cards
Everyone knows that credit cards are synonymous with debt. However, many people are taking advantage of 0 interest credit cards and making a profit. You just have to learn how to do it before you start. There is no reason whatsoever to make small profits if you are already paying out large sums of money [...]
Banking disputes
If you believe your bank has made a mistake or you are having a dispute with them, it might seem like you will never get the problem sorted. Although solving banking disputes can be tricky, if you follow the right course of action then you can solve banking disputes fairly and without developing a bad [...]
Bank charges and cheques
Sometimes you open your bank statement and you get a nasty shock. Not only has the cheque you wrote for the last utility bill bounced, but your bank has charged you for the privilege. And it’s not the first time it’s happened, so your previously spotless credit rating could be in danger. When cheques bounce [...]
Getting the best deal from the bank
If you believe that your bank is costing a more money than it really needs to be, then perhaps it is time to change the habit of a lifetime and switch banks. Although many people remain loyal to their banks for life, there is no need to do this. Your bank is a business and [...]
Broadband deals
Finding a reliable broadband provider as well as an affordable one can be a challenge, but by reviewing and comparing the most popular services, one can arrive at an informed and, ultimately, beneficial decision. The advantages of using broadband over a standard dial-up connection is that your phone line is always open to incoming or [...]
Mortgage rates
With mortgage rates averaging at an all-time low (0.5%) it’s important to understand what factors influence such rates. Specifics relating to individual lenders may vary, but in general these factors are universal. One vital aspect to know about your lender is how often they revise their mortgage rates, whether daily, weekly, monthly, or annually. If [...]
Saving money instantly
All of us indulge in recurring expenses in some form or another, whether its fast food splurges or picking up your morning coffee at the café. Trimming down one’s expenses, even the small purchases, can drastically improve the stability of one’s bank account. Such possibly unnecessary (this is, of course, dependant upon the individual’s requirements) [...]
Interest rates: what are they? how do they work?
The “price” of borrowing money, interest rates affect many aspects of one’s financial foundation. They are, essentially, the current market return on fixed income investments, and fittingly, rise and fall with market demand. In the UK, such rates are subjective to the decision of the Bank of England Monetary Policy Committee (MPC), which in turn, [...]
Dividend yield: what is it? why should I be interested?
Payments made by a business to its shareholders and investors are what’s known as dividends. When a business’ earnings become a profit, it can be re-invested into the business (retained earnings) or it can be paid to its investors as a dividend. Companies are under no obligation to pay its shareholders dividends; however, the company’s [...]
Rent or Buy?
Deciding whether to buy or rent a property is a common point of contention, but it simply comes down to what you hope to accomplish and contend with financially and, ultimately, in the long term. Experience in renting a property is often regarded as a prerequisite to buying a home, but this is founded more [...]
