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Articles from Christian Ward | Selfgrowth.com
- 5 Essential Credit Card Rules You Need To Know - by Submitted on Aug 03, 2008 from Christian WardWhether you're a seasoned credit card pro or someone who's new to the world of plastic, there are five rules you'd do well to remember. After all, credit cards can make or break your credit rating. You don't want it to be the latter. With that in mind, here are five credit card rules to live ...
Views: 901 - Home Insurance Will Be A Struggle For Natural Disaster Victims - by Submitted on Aug 01, 2008 from Christian WardGerry Tyack is no stranger to a challenge. He served with the Royal Air Force in the Second World War, having lied about his age to join up as a 16-year-old in 1939. After working as a fitter on Wellington bombers, he joined a mobile radar unit driving deep into Germany to pinpoint bomber ...
Views: 784 - Loan Can Be Used To Sell Your House - by Submitted on Jul 31, 2008 from Christian WardYou’ve heard of thirty-second second elevator pitches, but did you know that 30 seconds is all you have to persuade buyers viewing your home that your property is their perfect nest? Think of it as a 30-second hallway pitch! Ironically, you don’t need to spend thousands of pounds ...
Views: 736 - Life Insurance Affected If You Are Overweight - by Submitted on Jul 31, 2008 from Christian WardAccording to recent research, over 23 million Brits are overweight. This is not just a risk to your health but to your wallet as well, since it affects your life insurance costs as well. Not only does this wreak havoc with your internal organs and thus your health as a whole, in years to come ...
Views: 734 - Is Your Home Contents Insurance Sufficient? - by Submitted on Jul 31, 2008 from Christian WardNobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today, almost one-half of all homes in the UK would have inadequate ...
Views: 777 - Mortgages, Tips To Getting The Best Deal - by Submitted on Jul 31, 2008 from Christian WardThe credit crunch has bought good and bad news for home buyers. The good news is that house prices are sliding, bringing homes within the reach of first-time buyers. The bad news is that mortgage loan conditions have tightened up so much that only those with the largest deposits and the cleanest ...
Views: 767 - Mountain Bike Accessories To Help Save Your Life - by Submitted on Jul 30, 2008 from Christian WardMountain biking accessories come in all different forms and you do not need all of them. They also have the added advantage of reducing your bike insurance premium in addition to potentially saving your life. If you are only just starting out in the world of mountain biking, then it is ...
Views: 813 - Protect Your Credit File To Avoid Credit Card Fraud - by Submitted on Jul 30, 2008 from Christian WardThere are many reasons why you should fear identity theft and credit fraud. Hundreds of people contact their local Citizen's Advice Bureau each month for advice on repairing their credit file due to identity theft or credit fraud causing problems in obtaining credit. It is very important to be ...
Views: 631 - World's Biggest Insurer Replaces Chief Executive - by Submitted on Jul 29, 2008 from Christian WardThe world's biggest insurer, American International Group Inc, replaced CEO Martin Sullivan after it suffered two quarters of record losses from risky mortgage bets and its share price more than halved over the past year. Sullivan is the latest Wall Street chief -- including former Citigroup ...
Views: 882 - Will Tax Cuts For Green Cars Really Make A Difference? - by Submitted on Jul 29, 2008 from Christian WardThe last budget speech saw an increase in car tax and a 2p rise in fuel costs effective from October 2008. Critics believe that these increases will put a strain on car drivers who are already paying the highest ever prices for fuel, another bone of contention is whether the tax cuts for greener ...
Views: 913 - Insurance Should Be A Priority For Students - by Submitted on Jul 28, 2008 from Christian WardStudents shouldn’t be tempted to save by skimping on insuring their possessions. The average student owns around £3,000 worth of property. One-quarter of students living in halls will be robbed, with most burglaries happening in the first weeks of term when it’s easiest for ...
Views: 628 - 10 Tips To Help Steer You Away From Debt - by Submitted on Jul 28, 2008 from Christian WardRecently, there has been a tidal wave of bad news for anyone who relies on credit - and that means almost all of us. Repossessions are at an eight-year high, property values are falling and lenders are turning down up to 60% of applications for credit cards, loans and mortgages - one analyst ...
Views: 713 - Why The Bradford & Bringley Fiasco Will Drag Us All Down - by Submitted on Jul 27, 2008 from Christian WardIt never rains, it pours. Hot on the heels of the Bradford and Bingley saga, there is the news that mortgage lending has hit a record low. Just 58,000 loans were made in April. That compares with 64,000 in March and 113,000 in April 2007. House prices will keep falling. But they’ll take ...
Views: 797 - What To Look For In A Boat Insurance Policy - by Submitted on Jul 27, 2008 from Christian WardHaving adequate and appropriate marine insurance can provide boat owners with a better outcome in the event of an accident and improve their peace of mind. Most boaters realise marine insurance policies differ from what is available for a car. Variations exist in the basic coverage provided ...
Views: 860 - What Next For The US Jumbo Mortgage Market? - by Submitted on Jul 27, 2008 from Christian WardIf you have been reading the articles about jumbo or proprietary reverse mortgages available, you may be wondering what is going on. A jumbo or proprietary reverse mortgage is any program that is not the FHA, government insured Home Equity Conversion Mortgage (HECM or "Hek-um") or the Federal ...
Views: 726 - What Next For Sub Prime Mortgages - by Submitted on Jul 27, 2008 from Christian WardWhat do you do with a massive package of adverse credit mortgages that no one wants to buy? This is the dilemma facing many financial institutions in the current economic climate. Several years ago it was easy to approve thousands of mortgages then bundle them together and sell them to a ...
Views: 627 - What Makes A Property Suitable For A Commercial Mortgage? - by Submitted on Jul 27, 2008 from Christian WardWhy do people want commercial mortgages? In most cases, it will be to obtain a property that meets the needs of their business. Of course, what makes a property suitable for a commercial mortgage will depend largely on the nature of your business – for instance it will be different ...
Views: 701 - What Is A No Claims Bonus? - by Submitted on Jul 27, 2008 from Christian WardA No Claims Bonus is a reward given to drivers who have not made a claim on their car insurance during their policy period, which is usually for one year. This no claims bonus is then translated into a saving on the following years premium as a reward for not making a claim. Each year that the ...
Views: 1078 - Term Life Insurance Demystified - by Submitted on Jul 27, 2008 from Christian WardTerm life insurance can be a confusing topic and purchasing life insurance can be a daunting task, to some. With so many options out there, it may seem impossible to fully understand where to start. While some consider universal life insurance, many have turned to term life insurance. Either ...
Views: 1181 - Car Loan Con - by Submitted on Jul 27, 2008 from Christian WardCredit cards and car loans trick consumers into thinking they get a great rate by using the Annual Percentage Rate (APR). The average consumer has no idea what the letters APR stand for when they see them in an ad for their favorite car. Even worse, many consumers fail to read the fine print on ...
Views: 893 - Going Green Could Help Your Businesses & #8217; Wallet And Not Just The Earth - by Submitted on Jul 27, 2008 from Christian WardMore and more business practices are incorporating the go green initiative - including banking. The lean, mean, green initiative is touching almost every aspect of doing business - including banking. How can banking be green? Actually, banking has been contributing to the green movement for ...
Views: 798 - Responsible Borrowing Starts Young - by Submitted on Jul 26, 2008 from Christian WardWhy has ‘debt consolidation’ become such a common phrase nowadays? Unfortunately, the answer’s straightforward – it’s because debt has become a way of life for so many. It’s a sorry reality for even the youngest adults in our society, as illustrated in a ...
Views: 845 - Research Reveals Confusion In The Building Insurance Market - by Submitted on Jul 26, 2008 from Christian WardRecent research conducted by Sainsbury’s home insurance reveals that confusion abounds in the home insurance marketplace, with 2.94 million people believing that they had to buy their buildings insurance from their mortgage lender in order to secure their mortgage. The findings underline ...
Views: 697 - One In Five Travels Abroad Without Insurance - by Submitted on Jul 26, 2008 from Christian WardIf you are going on holiday this year you will have to decide whether or not to purchase some travel insurance. A recent report found that one in five adults travelling abroad chooses to travel with no insurance at all. With the risk of theft increasing world wide, hustlers preying on tourists ...
Views: 665 - Mortgage Timebomb In Retirement - by Submitted on Jul 24, 2008 from Christian WardAre UK homeowners heading towards a £207 billion mortgage debt time-bomb in retirement? One in three Brits aged over 55 years still have outstanding mortgage debts Key Retirement Solutions' figures show a 20% increase in the average amount of outstanding mortgage debt among over 55s year ...
Views: 678 - Insurers Not Covering Music Downloads - by Submitted on Jul 24, 2008 from Christian WardEndsleigh, Barclays and Bradford & Bingley are among the big name insurers not covering downloaded music. Read the small print on home contents insurance or risk losing the lot, warns Moneynet.co.uk Many of the UK’s big name insurers are still not paying out for claims on the loss of ...
Views: 682 - A Trip To The Garage Could Reduce Your Car Insurance And Save Your Life - by Submitted on Jul 22, 2008 from Christian WardA trip to the local garage could save your life and reduce your car insurance as well. More than 23 million frugal drivers (71 per cent) are putting their lives at risk by delaying a trip to a garage despite being aware of a fault with their vehicle. Research commissioned by esure car insurance ...
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