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Benedict Rohan's Articles Law & Legal (2) Banking (1) Vehicles (1) Loans (1) Debt Management (1) Taxes (1) Credit (1) Mortgages (1) Careers (1) Business & Finance (7) Display Category|Title|Newest|Oldest An introduction to homeowner loans: the key to cash in your house These days it’s difficult to get by without some form of financial assistance – most of us have loans, mortgages, credit cards, store cards or other types of debt. Taking out a personal loan is one of the most common and convenient ways in which to borrow money. Bankruptcy: a concise guide Bankruptcy is one method of getting out of debt. It is a court order that transfers responsibility for dealing with creditors to the Official Receiver, who also takes control of the debtor’s money and assets and distributes them fairly to all their creditors. Budgeting for your Personal Finance Most of us find ourselves having to part with our hard-earned cash almost on a daily basis to just keep ourselves going. Have you ever thought about exactly what you’re spending though? A great deal of people never bother to budget – yet they could find themselves a lot better off by keeping an eye on their income and outgoings. Buying goods abroad: UK customs If you’re planning to bring goods into the UK from travels abroad or from purchasing on the Internet, there are some important customs laws that you should be aware of. Gas guzzlers: the cost of running a car today We’re a nation of car users – although not always by choice. Expensive and unreliable public transport systems have forced many of us onto the roads, but having a car certainly isn’t a cheap alternative. The cost of owning a car, even if you don’t use it much, is very expensive. Getting to grips with ISAs The Individual Savings Account (ISA) scheme was set up by the government in 1999 to encourage people to save more money. It allows people to save up to a certain amount each year without paying tax on the interest or income from it. Government benefits – bringing up a family There’s a wide range of government benefits to support you as you bring up your family if you’re on a low income and need assistance. This is a brief guide to some of the key benefits that you may be eligible to receive. Government benefits – for the unemployed The government provides a range of benefits and allowances for those who are unable to support themselves financially, whether they are unemployed and looking for work, on a low income, ill, injured or disabled, bringing up a family, caring for someone or retired. Government benefits – helping you in retirement Unless you’ve managed to build up a large private pension or have a great deal of savings, it’s not always easy to get by in retirement when you’re no longer earning. There are various ways in which the government can help give people of pension age enough money to live on – here’s a concise guide to some of the main benefits. It’s payback time: remortgage to solve your debt problems People in the UK owe more money than ever before. As it becomes easier and easier to borrow, whether in the form of credit cards, loans or countless other personal finance options, we are lured deeper and deeper into the debt trap, often to the point where we face an overwhelming financial burden that we have no means of repaying. Mortgages: what products are available? Basic principle of a mortgage is very simple: you borrow money to buy a house and pay back the loan with interest. However, nowadays there are so many products available that it can be mind-boggling. Here’s a guide to methods of repayment and interest rates. Pensions guide: private pensions It’s now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement. Pensions Guide: State Pensions The most important financial decisions you’re likely to make in your life are those concerning your retirement. To have a secure future with a comfortable standard of living after you’ve stopped working, you’ll need to plan your finances carefully. Saving for your child’s future Having children isn’t cheap these days, especially in the long term – the older they get, the more they cost. Higher education prices continue to soar and it’s almost impossible to get onto the housing market without having some capital or homeowner loans. The basic principles of VAT VAT (Value Added Tax) is a sales tax, levied on the expenditure of consumer goods and services and business transactions, which is paid by the consumer at the point of purchase and collected by Her Majesty’s Revenue and Customs (HMRC). First introduced to the UK in 1973, it is now a major source of revenue for the government. The importance of making a will. Please note: this article applies to residents of England, Wales and Northern Ireland and is provided for general information only. It does not constitute financial advice. The Pros and Cons of Store Cards Why shouldn’t you take advantage of the offers if they’re there for the taking? You could save a lot of money by opening a store card (for example, discounts of up to 20% may be offered with your first purchase), as long as you are sure that you will be able to pay the bill before interest is charged.	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. 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