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Articles from Thomas Phillipson | Selfgrowth.com
- How to attack 'credit card debt before its spirals out of control' - by Submitted on Jan 13, 2011 from Thomas PhillipsonBe aware of the interest being paid out on borrowing products, according to one industry expert.There is an array of ways people can control their credit card debt before it spirals out of control.This is according to a piece on News.com.au, which pointed out people should be aware of the ...
Views: 733(1 vote) - Savings account holders 'will struggle as inflation rises' - by Submitted on Jan 13, 2011 from Thomas PhillipsonIncreasing inflation will cause trouble for people with savings accounts, an expert has said.People with savings accounts such as fixed rate bonds and cash ISAs are set to lose out as the UK's level of inflation increases, an expert has said.According to Jason Riddle, co-founder of Save Our ...
Views: 594(1 vote) - Be careful with credit cards over Christmas 'to avoid New Year debt' - by Submitted on Jan 13, 2011 from Thomas PhillipsonA big spend at Christmas can lead to a bad start to next year, one group has suggested.People should ensure they do not spend too much over the festive season in order to avoid tough financial times in the New Year.This is just some advice from Connections Uniting Care in Windsor, which helps a ...
Views: 717(1 vote) - Credit cards 'would usually be chosen over store cards' - by Submitted on Feb 15, 2011 from Thomas PhillipsonInterest rate tends to be lower on credit cards than store cards, it has been stated.When weighing up the advantages of both the credit card and the store card pound for pound, the former would usually be chosen ahead of the latter.This is according to Mark Bouris, executive chairman of wealth ...
Views: 627(1 vote) - Expert gives business banking advice - by Submitted on Jan 31, 2011 from Thomas PhillipsonAn expert has offered some business banking advice.Taking the time to properly compare savings on the best business accounts available in the UK may be crucial for anyone considering the possibility of setting up their own company in 2011, it has been suggested.Cathryn Hayes, head of franchising ...
Views: 561(1 vote) - Mortgage lending 'to become more common in 2011 and beyond' - by Submitted on Jan 13, 2011 from Thomas PhillipsonHome credit lending will increase in the near future, an expert has said.Taking out home credit packages such as tracker mortgage deals will become more common in the UK over the coming years as the country continues its recovery following the global economic downturn.That is according to Cath ...
Views: 775(1 vote) - People with debt 'need to learn how to deal with their finances' - by Submitted on Jan 13, 2011 from Thomas PhillipsonAn expert has spoken about debt in the UK.Consumers with debt on their credit cards or current account must learn how to deal with their financial issues more effectively in the aftermath of the global economic downturn.That is according to George Currie, founder of online resource ...
Views: 731(1 vote) - Financiers 'need to increase mortgage lending' - by Submitted on Jan 13, 2011 from Thomas PhillipsonThe housing market requires more liquidity in mortgages, an expert has said.Banks and building societies need to increase their lending of home credit packages such as tracker mortgages as part of a strategy to help the UK's residential housing market recover following the global economic ...
Views: 805(1 vote) - AA announce that more people are going abroad without travel insurance - by Submitted on Aug 26, 2011 from Thomas PhillipsonA growing number of Britons are deciding against taking out travel insurance prior to jetting off on their summer holiday, new research has shown. A study conducted by AA has revealed that this week - beginning August 15th - is the most common seven-day period for individuals in the UK to ...
Views: 677 - AA official welcomes car insurance fraud taskforce - by Submitted on Jul 25, 2011 from Thomas PhillipsonA new car insurance fraud taskforce will benefit Britons, it has been said. Car insurance holders will benefit from the establishment of a new specialist taskforce that has been created to reduce instances of fraud in the UK. That is according to Simon Douglas, insurance director at the ...
Views: 795 - Bad weather 'not having an ongoing effect on housing market' - by Submitted on Feb 15, 2011 from Thomas PhillipsonThe housing market will not suffer due to the icy weather, an expert has said.Anyone seeking a home loan deal such as a tracker mortgage was unlikely to have witnessed the housing market being overly affected by the spell of icy weather that enveloped much of the UK over December 2010.The ...
Views: 1061 - Best ISA rates 'are seeing improvements' - by Submitted on Mar 25, 2011 from Thomas PhillipsonBanks are to make improvements to their best ISA rates in the coming weeks, according to a new report.UK consumers on the lookout for the best ISA rates on the market are finding that a growing number of attractive offers are emerging.A new report from the Financial Times has observed a ...
Views: 787 - Britons 'becoming more enthusiastic about saving' - by Submitted on May 08, 2011 from Thomas PhillipsonMore people are eager to store cash in savings accounts, it has been said.A growing number of Britons are becoming more eager to store cash in savings accounts such as fixed rate bonds and ISAs in the aftermath of the global economic downturn.That is according to Jasmine Birtles, founder of ...
Views: 584 - Britons lying to get cheaper car insurance - by Submitted on Jul 25, 2011 from Thomas PhillipsonMany people are lying in order to drive car insurance premiums down, an expert believes. Eagerness to ensure they get the best possible price is leading Britons to be economical with the truth on applications for car insurance, an expert has suggested. According to Andrew Hagger of online ...
Views: 1237 - Britons should focus on debt rather than saving - by Submitted on Sep 02, 2011 from Thomas PhillipsonConsumers should prioritise paying off debts at present, it has been said.Britons should be more concerned with paying off debts they have accrued on finance options such as credit cards and personal loans than storing cash in savings accounts at present.That is the opinion of Justin Modray of ...
Views: 663 - Britons urged to buy currency online for “fairer deal” - by Submitted on Aug 25, 2011 from Thomas PhillipsonWith uncertain economic times looming once again, it is more important than ever that travellers get a good deal on their currency exchange. Whilst planning a holiday is a daunting task for some, those that are taking the extra time to go online for currency, are making substantial savings on ...
Views: 824 - Choose a high interest savings account 'to boost funds' - by Submitted on Mar 08, 2011 from Thomas PhillipsonPeople will earn more interest than an everyday bank account, it has been noted.People should be boosting the money they are putting away by choosing savings accounts with high interest rate.This is according to National Australia Bank retail state general manager Dion Crowe, who stated this ...
Views: 621 - Choosing Student Accounts - by Submitted on Aug 26, 2011 from Thomas PhillipsonWith the cost of University taking a steep rise, students need to be even more savvy with their finances to avoid getting into more debt. According to Which4U, the average course fees will cost around £8,000 per year, causing students to rack up debts of £24,000 based on a 3 year course and ...
Views: 720 - Christian aid 'can help those with credit card debt' - by Submitted on Feb 27, 2011 from Thomas PhillipsonMore than 100 churches have trained members to help people in financial difficulty.Those with credit card debt after the festive period might be in line to benefit from a form of Christian aid that is coming to people's rescue.The charity Christians Against Poverty (CAP) has set up a free ...
Views: 866 - City dwellers putting more into savings accounts - by Submitted on Aug 09, 2011 from Thomas PhillipsonHouseholds in Melbourne and Sydney are saving rather than spending, a report has suggested.According to the Savings Blog, which also studies people that are moving to England, families in big cities are choosing to put money away in a savings account rather than spending, with concerns over the ...
Views: 663 - Commonwealth Bank account holders unable to access money from ATMs - by Submitted on May 08, 2011 from Thomas PhillipsonAn Australian bank has suffered problems with its ATMs this week.Commonwealth Bank customers were affected by an unusual problem yesterday (April 18th 2011), as a number of ATMs across Australia broke down.The incident meant some of those with bank accounts and savings accounts with the ...
Views: 731 - Consumers 'must prioritise essentials such as gas and electric bills' - by Submitted on Feb 15, 2011 from Thomas PhillipsonEssential bills must be paid off, an expert has said.Essential bills such as those for gas and electricity supplies are being put lower on the list of priorities by households feeling the strain on their current account balance because of debts accrued on personal finance options such as credit ...
Views: 695 - Consumers 'should set goals on savings accounts' - by Submitted on May 08, 2011 from Thomas PhillipsonBritons have been advised to set goals on the amount they want to save.Whether you're looking to put some money aside for a holiday; new car or to pay foryour childrenchoosing the right savings scheme willplay an important part, so it's essential yu choose the best option foryou.Setting specific ...
Views: 643 - Consumers must take their time when selecting a current account - by Submitted on Aug 09, 2011 from Thomas PhillipsonPeople should not rush in when selecting a current account, an expert has said.Taking the time to shop around and explore all possible deals is essential for consumers when they are searching for an attractive current account, an expert has said.Following the global economic downturn, the ...
Views: 604 - Credit Cards offer alternative to finance deals - by Submitted on Feb 01, 2011 from Thomas PhillipsonPeople commonly turn to finance deals in order to pay for large purchases, but some will charge you for privilege through admin fees and interest charges and in some cases you may be restricted to certain deals.However, there is another way around managing your payment that won't incur any extra ...
Views: 497 - Debit and credit card spend 'up by 0.5%' - by Submitted on Mar 25, 2011 from Thomas PhillipsonThe BSI rose by 0.5 per cent in January.Debit and credit card spend increased by 0.5 per cent in January, seasonally adjusted figures have revealed.According to the Commonwealth Bank (CBA) Business Sales Indicator (BSI) - which tracks the value of debit and Aussie credit card spent at the ...
Views: 640 - Expert welcomes governments new car insurance ruling - by Submitted on Jul 25, 2011 from Thomas PhillipsonDrivers have been reminded of upcoming changes to car insurance laws. Motorists across the UK have been issued a reminder about forthcoming changes to the country's car insurance laws. As of June 20th, it was made illegal for people to keep a vehicle not covered by car insurance, which ...
Views: 779 - Expert: Business banking tough to access - by Submitted on May 08, 2011 from Thomas PhillipsonBusiness banking options may be tough to access in the coming year, it has been said.Smaller companies hoping to compare savings accounts on the best business accounts available to them in the near future may find it tough to access the finance they want, an expert in the industry has ...
Views: 619 - Expert: It is never too late to save for retirement - by Submitted on Mar 25, 2011 from Thomas PhillipsonOlder workers have been told it is never too late for them to save for their retirement.Older workers approaching retirement age have been advised that it is never too late for them to add funds into savings accounts such as ISAs or fixed rate bonds to provide them with money after they finish ...
Views: 922 - Future students 'could take a year out to save' - by Submitted on Aug 25, 2011 from Thomas PhillipsonTaking time out to save ahead of going to university could be a good idea, it has been said. Taking a year out to store cash in a personal finance option such as an ISA before they head off to university may be good idea for prospective student account holders. That is the opinion of a ...
Views: 797 - How Choosing the Right Card Could Help You Make It Through Christmas - by Submitted on Jan 09, 2012 from Thomas PhillipsonBritons are struggling to cope with the rising cost of living, and thus are continuing to accumulate the highest levels of debt seen since that seen at the height of the recession, back in 2009. Official figures have revealed that households across the country have collectively amassed a ...
Views: 722 - How to get your credit card debt under control - by Submitted on Feb 27, 2011 from Thomas PhillipsonMore Australians appear to be paying off their minimum credit card debt each month, if one survey is anything to go by.People who are suffering from credit card debt might like to take heed of advice from one writer.In a piece for the Herald Sun, Karina Barrymore pointed out those who do not get ...
Views: 862 - Leeds Building Society adds to fixed bonds range - by Submitted on Feb 15, 2011 from Thomas PhillipsonA lender has launched a new fixed bonds package.People looking for a competitive fixed rate bonds savings accounts package may be interested in a new deal being offered by one financier.In news which may also be of note to anybody who already has Leeds Building Society fixed rate bonds, the ...
Views: 718 - Low-rate credit cards might be better for young people - by Submitted on Feb 01, 2011 from Thomas PhillipsonBut people should be wary of credit card reward programmes.Young people might like to search for low-rate deals on credit cards, one industry expert has suggested.William Buck senior adviser Janine Williamson stated people need to be aware about reward programs involving these products, News ...
Views: 505 - Lower income families 'need more incentive to use savings accounts' - by Submitted on Jun 07, 2011 from Thomas PhillipsonPeople need to be given greater incentive to use savings accounts, it has been suggested.A greater culture of encouraging the use of savings accounts such as ISAs is required among Britons, particularly those on lower salaries.That is according to Mark Bower, managing director at online resource ...
Views: 615 - Money in a savings account now 'can double or triple in value for the future' - by Submitted on Mar 08, 2011 from Thomas PhillipsonIt is a process called "delayed gratification" by one industry expert.Those who put money into savings accounts now will be glad they did in the future as it can double or triple in value, one industry expert has pointed out.Bruce Brammall, a licensed financial adviser, stated putting ...
Views: 619 - Mortgage rates 'to remain subdued' - by Submitted on Aug 25, 2011 from Thomas PhillipsonMortgage rates in the UK will remain subdued in the near future, an expert believes. Rates attached to home loans such as tracker mortgages appear set to remain subdued for some considerable time, an expert in the field believes. According to Ben Wilkie, editor at What Mortgage, banks and ...
Views: 780 - Nationwide launches new deals on ISAs - by Submitted on Feb 15, 2011 from Thomas PhillipsonNationwide has launched new bonus rates for its e-ISA and Champion ISA accounts.Nationwide has introduced new bonus rates on two of its ISA accounts in order to make the offers more competitive.The building society's e-ISA overall rate will rise to a market-leading 2.90 per cent per annum ...
Views: 644 - Nationwide offers new savings accounts - by Submitted on Jun 07, 2011 from Thomas PhillipsonA lender has revamped its range of savings accounts.Anyone searching for attractive deals on savings accounts such as ISAs or fixed rate bonds may be interested in a range of new offers from one financier.As of last Thursday (May 12th), Nationwide improved the rates attached to all such products ...
Views: 664 - New home market strengthening after recession says expert - by Submitted on Aug 26, 2011 from Thomas PhillipsonConsumers searching for a competitive home loan such as a tracker mortgage are likely to benefit from the increasing number of new house sales cropping up, an expert believes. According to Steve Lees, director at SmartNewHomes, the higher level of supply in the property sector is an ...
Views: 778 - Older consumers more likely to have credit cards - by Submitted on Sep 02, 2011 from Thomas PhillipsonOver-45s are most likely to own more than one credit card, according to new research from KPMG.A new study has indicated that older consumers are most likely to have more than one credit card, while their younger counterparts are somewhat more cautious when it comes to splashing the ...
Views: 678 - Parents advised to start saving for children sooner rather than later - by Submitted on Mar 25, 2011 from Thomas PhillipsonParents should try to save as early as possible for their children, it has been suggested.Placing cash into savings accounts such as ISAs or fixed rate bonds in important for households on a wide range of different income scales in the wake of the global economic downturn.That is the view of ...
Views: 628 - People Advised to use savings accounts to store cash for mortgage deposits - by Submitted on Jun 07, 2011 from Thomas PhillipsonPeople saving up for a deposit on a house should use a cash ISA, it has been claimed.Britons looking to set aside sufficient funds to afford a deposit on a mortgage should consider the possibility of using a cash ISA in order to store funds for this goal.That is the view of Justin Modray of ...
Views: 618 - RBA holds base rate - by Submitted on Aug 09, 2011 from Thomas PhillipsonThe RBA has kept interest rates at 4.75 per cent, citing increased concern about the strength of the global economic recovery.According to the Credit Card Blog, the Reserve Bank of Australia (RBA) has announced that interest rates will be kept at 4.75 per cent for at least another month, amid ...
Views: 899 - RBA keeps interest rate at 4.75% for February - by Submitted on Feb 15, 2011 from Thomas PhillipsonThe floods in Queensland are one reason for RBA's decision, it has revealed.The Reserve Bank of Australia (RBA) has opted to maintain the interest rate at 4.75 per cent for February.This news should be welcomed by homeowners across Australia and particularly those experiencing difficulty due to ...
Views: 627 - RBA opts to leave interest rate unchanged at 4.75% - by Submitted on Mar 25, 2011 from Thomas PhillipsonIt has not increased the base rate since November.The Reserve Bank of Australia (RBA) has today (March 1st) opted to keep the interest rate at its 4.75 per cent level.This news may please homeowners with a mortgage, particularly after the last time the RBA upped the base rate - in November - saw ...
Views: 631 - Recession 'has caused more people to use savings accounts' - by Submitted on Jun 07, 2011 from Thomas PhillipsonSaving has become more common in the wake of the recession, an expert has said.The ongoing effects of the global economic downturn have put the need to place cash in savings accounts such as ISAs or fixed rate bonds into sharper focus for many Britons, an expert in the industry ...
Views: 633 - Recession has not prompted many to use savings accounts - by Submitted on Aug 09, 2011 from Thomas PhillipsonMany Britons have not reacted to the recession by saving.The effects of the global economic downturn have not resulted in consumers responding by storing sufficient amounts of cash in savings accounts such as ISAs.That is the opinion of Jasmine Birtles, founder of online resource Money Magpie, ...
Views: 629 - Research: More people reliant on credit cards for day-to-day spending - by Submitted on Feb 15, 2011 from Thomas PhillipsonMore people are using their credit cards for day-to-day spending, research has shown.More than a third of all Britons did not have a sufficient current account balance to meet their living costs in the first month of 2011, if new figures regarding credit card usage throughout January are ...
Views: 504 - Research: Older people using savings accounts for grandchildren - by Submitted on Feb 15, 2011 from Thomas PhillipsonMany grandparents are storing away cash for their grandchildren, it has been revealed.New research has shown that many older people in the UK are putting money in savings accounts such as ISAs or fixed rate bonds for their grandchildren.According to a study conducted by the Cheltenham & ...
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