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Cindy Kenny's Articles Display Category|Title|Newest|Oldest Need A Loan After A Bankruptcy? Possible If You Have Equity If you have had the misfortune to declare bankruptcy recently, then you definitely know what a struggle it can be to get funds. Not only do you have a limitation on your ability to get funds from most lenders, but even getting a credit card will not be easy. How to Protect Yourself While Internet Banking There is no doubt about the fact that identity theft is on the increase. More and more people are losing their identities and money each year due to the efforts of a select few individuals who know how to use the Internet to their advantage. How to Eliminate Credit Card Debt Each year more and more people find themselves drowning in a pool of credit card debt. While it is comforting to some degree to be able to take solace in the fact that you’re not alone, most people would also prefer being able to eliminate the credit card debt all together. Health Insurance 101 Explained We all understand the importance of health insurance; however, as the types of health insurance continue to increase it is becoming more and more difficult to select the type of coverage that is best for you and your family. Life Insurance 101 Explained While most of us do not like to think of the subject of our own death, the fact of the matter is that death is a part of life and in order to protect our families we need to give some thought to the subject of life insurance. Gap Car Insurance: Do You Need It? What is gap car insurance and how do you know whether you really need it? Gap car insurance, like many other types of insurance isn’t necessarily required. 4 Things To Remember When Renewing Your Home Contents And Home Buildings Insurance Nobody 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. Worst Case Scenario: Will Your Home Buildings Insurance Cover You? Nobody 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. Protect Your Personal Property With Home Contents Insurance It would surprise you to know how many homes have all the latest in technological gadgetry, yet have failed to insure the contents of their home against the event of either a burglary or damage. Business Banking – Getting The Right Account For Your Business While many people turn to their usual bank when opening a business account, it’s advisable to shop around. There can be some advantages to using the same bank for personal and business accounts Credit Card Use and Your Credit Report Credit cards have ballooned in popularity in the UK. A recent study has shown that very soon, over a third of all adults in the UK will have credit cards, and the numbers are still increasing rapidly. Credit Card Debt – Prevention Is Better Than Cure If you have credit cards, but have not yet let your spending get out of hand, then now is the time to take stock of your position and make some decisions about your financial future. Ask yourself what do you want those credit cards for? Poor Credit History - Which Is Best, A Credit Card Or Personal Loan? There was a time when poor credit meant you could kiss any chance of getting credit good-bye. Credit cards were extremely difficult to get if you had any kind of compromising information contained in your credit report. Credit Cards vs. Cold Hard Cash – The Benefits The security benefits of using credit cards have long been recognised. Even with the extra attention that is being placed on identity theft and credit card fraud these days, using your credit card is still one of the safest ways to pay for things available. Credit Cards Abroad – How To Save On Charges One of the huge advantages of credit cards, and one of the many reasons they continue to grow in popularity, is the easy access they offer when travelling abroad. Not only can they be used with ease to book hotels or pay for car rentals, but they can also be used at cash machines around the world for instant and safe access to local currencies. Credit Card Debt – Some Remedies If you have credit card debt, then don’t just bury your head in the sand and hope it all takes care of itself. If you do this, the problem will only get worse. Common Credit Card Charges In recent years, the UK credit card industry has undergone absolutely massive changes. It is practically unrecognisable from the industry that was present even just a few short years ago. How Home Emergency Cover Can Assist The Needs Of The Over 60s Imagine that it is Sunday night and you are watching your favourite television show before you go off to bed for the night. The next thing you know your hot water boiler bursts and floods your home. Who are you going to call at such a late hour on a Sunday night? Buy To Let Property Insurance Buy-to-let property insurance, some times also known as residential property owners insurance, is needed if you own houses and/or flats to tenants – either on a short-term or long-term basis. Insuring Your Overseas Home The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in other cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as with Cyprus. UK Car Insurance - Making A Claim If you are unlucky enough to have an accident in the UK, you will need to know some of the basics ins-and-outs of how to make a claim on your UK car insurance. Secure Your Car For Lower Car Insurance Premiums A question often asked is whether or not securing your car will help to reduce your UK car insurance premiums. Will this is certainly a factor you need to discuss with your car insurance company, you should note the following: American Express – A Unique Type Of Credit Card American Express, or AMEX, is one of the most recognisable names in the financial world. UK Mortgages - Need To Know Information Whatever stage of the mortgage game you’re at, unless you happen to be a qualified financial advisor, solicitor and broker all rolled into one, you’ll need professional help to find and arrange your loan. Sub Prime Lenders - Get A Mortgage With Bad Credit Even if you have a bad credit rating, you may be pleasantly surprised to know that there is a whole sector catering specifically for you. There are brokers who specialise in clients with adverse credit, and can help you find a mortgage deal. Bad Credit - Some Solutions It sounds like a terrible diagnosis – you’ve got a poor, bad or adverse credit score – as far as a mortgage goes, surely now nobody would touch you with a bargepole? Bad Credit Rating - Getting Out The Mess It sounds like a terrible diagnosis – you’ve got a poor, bad or adverse credit score – as far as a mortgage goes, surely now nobody would touch you with a bargepole? Spanish Mortgages - Widen Your Horizons Ever dreamed of running away to live in the sun? Whereas people used to aspire to a second home in a seaside resort, thousands are now looking further afield to find their dream lifestyle. Commercial Endowment - Your Options Property development is big business. The rash of TV programmes about home makeovers and renovations reflects our current obsession with property as a way to make big bucks, quickly. Business Banking - An Overview Making a success of your business depends on planning and judgement. ‘The bottom line’ is all about managing your finances wisely, whether that means sourcing the funding you need to start up or keeping on top of your accounts. Savings Accounts - Professional Advice When it comes to savings, you may well find yourself daunted by the sheer variety of ways to invest your money. Particularly if you find yourself with a substantial amount to invest, and are less than confident at dealing with things like the stock market, bonds and trusts, you’re likely to gain from professional expertise. Children's Bank Accounts - Planning Your Family's Future Everybody wants to give their children the best possible start in life, and make their future as secure as possible. Two ways of helping them, money-wise, are by encouraging them to save with their own bank account, and by making investments on their behalf. Internet Banking - Which Web Bank is Right For You Finding information online seems like the proverbial search for the needle in the haystack – with so many sites and adverts vying for attention just thinking about searching for an internet bank is enough to bring on a headache. Offshore Banking - When It Pays To Go Abroad While you might presume anyone with ‘money in offshore accounts’ is involved in some scurrilous business affairs, the truth is that anyone can use this form of investment as a totally legitimate way to defer or reduce your tax payments. Buy To Let -The Pitfalls Taking on a property in addition to your home can be a time consuming and complex matter. Before you become a landlord (or lady), make sure you’ve thought it through! Remortgages - Worth The Switch? It’s becoming more popular to remortgage your house these days – all this means is switching to a different mortgage and sometimes a different lender to take advantage of a better deal. Second Mortgages or a Further Advance If you are a homeowner and in need of some extra cash, one possibility you could consider is taking out a second mortgage. Airline Credit Cards – Are They Offering The Best Value?e There are more reward credit cards around now than ever before. There are cash back credit cards, points cards and American Express even have a new nectar card out. One of the long running popular rewards has been the airline credit card. Accepting Credit Cards Over the Phone There has been a huge growth in the number of cold calls, and unsolicited offers that people receive on their home and business phones. The process can be very intrusive and frustrating and is the subject of a growing number of complaints. First Time Buyers - Working Your Way Up The Property Ladder You’ve moved in, you’re paying your mortgage; you’re ready to finally breathe out…Congratulations! You are now a homeowner, and should be enjoying the change. The Best Mortgage Deal Ever? From a cursory survey of websites and brochures, you’ll see a myriad of different types of mortgage. The mortgages explored so far are a basic overview – you’ll find any amount of types – some combining several features and with added incentives to tempt you. Spanish Mortgages Explained Does the thought of negotiating a property deal in Spanish bring you out in a cold sweat? The complexities of mortgages are confusing enough; let alone considering a different language and legal system. First Time Buyers Beware Although it’s a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment. Visa Vs MasterCard – Which Is The Best? The two leading credit card companies in the world today are the competitors Visa and MasterCard. They both operate along very similar lines. Shopping for Credit – Points of Interest As much as the credit industry has changed in the last couple of years, the most important advice when shopping for credit has remained the same throughout the period. First Time Buyers – Getting On The Property Ladder Getting a foothold on the property ladder is not easy – particularly these days with property prices above the amount most people’s salaries can cover. Savings Accounts – Retire In Style We all look forward to the day when we can give up work – but to ensure your retirement is comfortable you will need to prepare for it carefully. Business Banking – Professional Advice At the beginning, you will be offered plenty of advice and support to set up your business – enterprise schemes often run seminars and give out free software to help you manage your accounting, for example. Guaranteed Credit Cards – Use Them Wisely Credit cards are becoming increasingly vital in a wide range of situations. Have you ever tried to rent a car, or shop online without one? It’s not easy. Credit Card Debt – First Steps To Resolution If you have let your credit card debt get out of hand, then do not panic. You are among a fast growing group of people who are falling victim to the UK’s ever increasing credit card debt mountain. Cash Back Credit Cards – Reward Yourself As the competition in the UK lending market has become ever more intense, lenders and credit card providers have had to go to ever more lengths to attract customers to them. Online Mortgages – Get Wise To The Web The boom in online banking and the success of some of the bigger online banks looks likely to revolutionise the way we manage our finances. Tracker Mortgages – Are They Worth The Gamble? How well do you know the money market? A tracker rate mortgage has a variable rate, usually a set percentage above or below the Bank of England’s base rate. Fixed Rate Mortgages – Know Your Rate! Nothing is ever certain in the world of finances, and there’s no way of predicting how the market will change in the future. However, if you want to be able to plan your budget precisely, then a fixed rate mortgage might be the right option. Self Certificate Mortgages – Prove Yourself! Bank managers are probably the most risk-averse individuals you are likely to meet – without proof of a regular salary and sound financial track record you may presume a frosty reception when you ask about borrowing. Savings Accounts – An Overview Being in control of your finances means not only managing your current account wisely, but planning ahead too. Although we are used to thinking we will have the welfare state to fall back on, the support offered by state benefits is far from generous. Internet Banking – The Pros And Cons Only a few years ago the concept of online banking seemed like a dubious one – concerns about security and computer glitches were enough to put most people off. But not now, internet banking is booming. Credit Cards Gone Wrong Credit cards always seem like a good idea at first. Even if you've been burned in the past, when money gets tight, the shiny plastic rectangles seem like the perfect quick fix for any situation. Credit Cards and Divorce If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. Credit Card Traps? For people with a spotty credit card history or bad credit, it can be difficult to get approved for a regular credit card. There are a number of credit card options that are aimed specifically at people who have bad credit and are trying to rebuilt it. Credit Card Rights - What Rights Do You Have? Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that. Credit Card FAQs - What If I'm Turned Down? So, you’ve filled out the application and are waiting for your brand new, shiny credit card to arrive in the mail. But when the letter finally arrives, you’re not greeted with a new credit card, but a denial letter instead. What to do? What Does a 'Universal Default Penalty' Clause Mean On My Credit Card? You apply for a credit card that has an advertised 10% APR. The card is approved and you spend money on it. Some months later you notice that the interest rate cannot possibly be 10% APR but is nearer 30% APR.. World Cup Superstars – Who Is The Greatest? Every four years a World Cup will come along and occupy a football fan’s thoughts and time for weeks. But of all the superstars that have graced this tournament, who is the greatest? What Are Supplemental Credit Cardholders? Have you ever been faced with the worry that your son or daughter is off to college and you want to give them access to emergency cash without having to give them the actual cash – which they’ll likely spend beforehand – but knowing by the time you wire the money to them the emergency may well be over? Credit Card Common Mistakes - The Top Ten If you ever think that you handle your credit cards perfectly read this article, you may still have some room for improvement! Credit Cards and Minimum Payments – Living in Debt Many people love their credit cards. It’s a fact of life and the figures bare this up. If you look at the rate at which UK credit card debt is rising it is quite amazing. Mortgage Lenders – Making The Right Choice Walk into any high street bank or building society and mention that you’re looking for a mortgage, and you’re likely to be bombarded with leaflets, if not hurried into a private office to meet their mortgage advisor. Variable Rate Mortgages – Setting The Standard Here’s the first mortgage term you should learn – Standard Variable Rate, or SVR. This is the interest rate you will be paying on the total amount you are borrowing. It is usually expressed as a percentage, and is different from an APR Borrowing – Your Options Explained 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. Choosing A Middle Name for Your Baby What many parents seem to forget when naming a child is that they also must choose a middle name for their babies. This is a very important step in the process in which a child is named. Different Ways Artists Can Use Lyrics Often times music lyrics are simply used to create catchy words that people hear. These words are designed to appeal and convince people to buy CDs and attend concerts of a certain artist. There are other reasons, however, that artists choose their lyrics as they do. Rock Lyrics of The 1980’s One of the most well-know eras of music is the nineteen-eighties. In this period the virus AIDS hadn’t been quite discovered yet and everyone was still under the notion that having a good time with as many people as possible was the best way to live. Silver Credit Cards The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Silver, Gold and Platinum Credit Cards Aside from all being precious metals; silver, gold and platinum also signify the difference between the various strata of credit cards available to cardholders. So, what’s the difference between you having silver, gold and platinum credit cards? Fixed Rate Vs. Variable Rate Credit Cards Although it is mostly industry practice to charge a variable rate of interest on outstanding credit balances at a certain percentage rate above Prime Lending Rate, it is possible, these days, to obtain a fixed rate credit card. Five Credit Building Tactics If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help. Adverse Credit Credit Cards As their very name suggests, adverse credit credit cards are an option available to those who have a bad credit history and, thus, credit rating. Why Sports Cars Cost More To Insure Have you ever wondered why sports cars cost more to insure than other types of car – even when the purchase price of the sports car is less expensive? If so, the following are the main reasons why this is the case. Insuring A Second Home As a nation we in the UK are becoming wealthier. With the rise in our overall wealth has come a desire to spend our money on certain luxuries we enjoy. How To Build Your Credit Card Credit History Throughout your life you’re the history of you credit repayment will follow you. Ensuring, therefore, that you have a good prior history of borrowing money is vital. Pet Insurance & Public Liability – Are You Safe From A Personal Injury Compensation Claim? Are you one of the million of Britons famous the world over for being a pet owner and lover? If so, do you have pet insurance? If not, you may well want to read on if you want to save yourself millions of pounds…. Travel Pet Insurance Recent changes to the UK’s quarantine laws mean that it is now possible for you to obtain a pet passport (under the government’s ‘passport for pets’ scheme) and take your family pet away with you on holiday. Credit Card Insurance - What Do They All Do? One of the major advertised benefits of applying for and having a credit card is the fact that they are accepted at millions of outlets all round the world. But, are there any major issues you need to be considering when using your credit for foreign purchases? Using Your Credit Card For Foreign Purchases One of the major advertised benefits of applying for and having a credit card is the fact that they are accepted at millions of outlets all round the world. But, are there any major issues you need to be considering when using your credit for foreign purchases? Minimum Payment on Credit Cards – Bad Idea? Are you quite happy paying off the minimum amount every month on your credit card bill? You may be unaware of the actual amount you are paying off towards your debt. Most off your payment will go towards the interest owed leaving your debt and further interest charges to accumulate further. Low Interest Credit Cards - Make Sure You Have The Cheapest Rate Making sure that you pay the lowest rate of interest chargeable on your credit card usage is vital if you want to maintain an effective money management scheme. As such, knowing how to make sure you pay the lowest interest rate on your credit card should be viewed as an essential element to deciding which credit card you should select. Make Money With Credit Cards It’s hard to imagine that you earn money with a credit card if you manage your debt correctly, but ever since Egg got the jump on its competitors with the 0% Egg Card on Christmas Day in 2000, you can actually make money with credit cards – balance transfers is how you do it! Save Money Using A Credit Card If you are a conscious and energetic saver, then you have most probably been told that credit cards are bad and evil things that you need to stay well away from! However, used the right way, a credit card can be a great way to save money! The Rise Of Credit Card Identity Theft Personal identity theft is a huge runaway business made even easier with advances in computer technology. So far as credit cards are concerned, personal identity theft is now costing card issuer billions of dollars a year. Credit Card Fraud Prevention Globally credit card fraud costs card issuers billions of dollars a year in fraudulent use of their cards. Some of this loss is passed back to retailers who failed to comply with the normal processing method for the card. 5 Basic Credit Card Safety Tips Although they can be painful at times, life today without the ease of a credit card is no longer a reality. So, if you think you want a credit card, here are some essential factors you’ll need to consider when applying for a credit card. Credit Card Applications - Getting Accepted Although they can be painful at times, life today without the ease of a credit card is no longer a reality. So, if you think you want a credit card, here are some essential factors you’ll need to consider when applying for a credit card. Home Loans – Understanding The Basics When you decide to get a home loan, there are a number of costs that are involved. If you are fortunate, the seller of the home may agree to cover some of the expenses for you. Some of the expenses you will see when getting a home loan is the closing costs, prepaid items, and loan discount fees. Bad Credit : Understanding The Basics Many people have heard of bad credit, but some may not know what it means. For a long time, there was no established method for determining the credit activities of consumers. However, this all changed when a company called the Fair Isaac Corporation designed a credit scoring system that is called the FICO score. Signs That You're Not Using Your Credit Cards Properly It is a fact that many people fail to use their credit cards properly. Only when they have gained a credit card balance which is difficult to pay off do they begin seeking help. Home Loans - Understanding The Costs When you decide to get a home loan, there are a number of costs that are involved. If you are fortunate, the seller of the home may agree to cover some of the expenses for you. However, do you really know what are the costs that involved with a home loan? Bad Credit Is Coming! - Signs That You Are Approaching Bad Credit Many people in the United States today have bad credit, and the numbers have continued to rise. It isn't just those who are lazy who end up with bad credit. Many hard working people who are well meaning end up in situations where their credit is ruined. Bankrupt! But Still Receiving Credit Card Offers Those who have bad credit or who have recently filed for bankruptcy may be surprised to find that they are still receiving numerous credit card offers. This has become a well known issue, and it is apparent that banks either don't know or don't care that the people they are sending offers to already have bad credit. Instant Approval Credit Cards – Are They Credit Builders? Many people today have heard about the "instant approval" credit cards, but may not understand exactly what they are. Instant approval is the method used by banks and credit card companies to take your application and instantly make a decision based on data they get from your online credit report. [1] [2]	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. Resources Accredited Home Schools Article Directory More Resources

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