Well, that is exactly what has happened to millions of people, who were scammed out of their hard earned money with worthless PPI policies from the banks and credit card companies.
Are you one of these victims?
In order to claim back the PPI money you are owed…FAST, then it’s a good idea to visit a website such as PPIClaimsCo.co so they can get started on your case immediately.
Sure, some financial “experts” are saying that you don’t need the help of a company to reclaim PPI, and you can do it all by yourself.
In reality, this is usually NOT the case, as once the banks realize you are acting alone, they will do everything in their power to waste time and hold out on giving you the money which is rightfully yours.
The banks are running scared!
However, if you enlist the services of a professional company to represent you, then expect to see the banks running scared straight away. You see, these companies know exactly who to contact and what to say to get your money in the quickest amount of time possible.
With this in mind, you would have to be a fool to try and reclaim PPI on your own. Why waste months of your valuable time, when somebody else can do all of the heavy lifting without you lifting a finger?
The window of opportunity is closing
Unfortunately, claiming back PPI is not an opportunity which will be around forever. The government has already started to make noises about the possibility of giving the banks a free pass, which means if you haven’t already made a claim then you should do so right away.
At the end of the day, you don’t have anything to lose. If for some strange reason your case is not successful, then you won’t owe the company representing you a single penny. That’s because they work on a “no win no fee” basis, and only get paid when you get a check in the post.
Check all your paperwork
It’s a good idea to check all of the paperwork for every loan and credit card you have received in the last 10 years. You may have been sold PPI policies and not even realized it, which means you could have more claims than you think.Read More
So you have a bad credit score, and are know finding it hard to secure a loan or mortgage with low interest rates? If this is the case, then you might think that the situation looks bleak and there is nothing that can be done.
Luckily there is hope.
The subject of credit repair has become widely talked about in the last few years, and if you know what you are doing, then it’s more than possible to repair your credit quickly and easily…with the least amount of hassle.
So how do you achieve this? Well, there are now many credit repair agencies that can do all of the hard work for you, which means you can just sit back, relax, and watch your credit score soar without having to lift a finger.
Why take the hard road when the easy street is the path of least resistance? At the end of the day, you don’t want to spending hours of your time learning everything there is to know about credit repair. This is not a very smart way to repair your credit.
Instead, just simply put your case in the hands of experts, who can then use all of their knowledge and experience to get your credit rating back to where it belongs.
One thing to keep in mind, is that you shouldn’t just hire the first credit repair company that you find. There are many different companies out there, which means you should properly assess your options before parting with your hard earned cash.
For example, has the company been in business for many years, and do they have lot’s of testimonials from happy customers who have successfully repaired their credit? Ultimately, the longer they have been in business, the greater the chance that they are a legitimate company.
Another thing to watch out for is the kind of claims that a credit repair company makes. There has been a growing trend recently of certain companies claiming they can repair your credit in under 48 hours, or that they can remove any data from your credit file.
While it would be nice if these kind of claims were true, the simple fact of the matter is that they are scams. Sure, it is more than possible to repair your credit quickly, just don’t expect it to happen overnight.
At the end of the day, it will take at least a few months to start seeing results, which is why you need a little bit of patience to see success.Read More
If you have recently won a PPI claim then congratulations. The banks have been getting away with scamming innocent people out of there hard earned money for years, so it’s good to see them eat a bit of humble pie.
Now that you have a nice lump sum of cash at your disposal, you might be wondering what to spend it on? Here are a few tips…
Before we look at the tips on how to spend your PPI claim money wisely, we would like to take a minute to address the people who have not yet successfully claimed any money back.
If you think you have a claim and are ready to take action, then you need to find out how much you could be owed. To do this, it’s a good idea to use a PPI calculator, click here for a ppi calculator
Okay, now on with the tips…
Save the money
While it may not seem like the most exciting way to use your PPI claim money, putting it away in a high interest savings account is one of the most sensible ideas.
This way, you will have some money tucked away for a rainy day, or even for a financial emergency.
Do you have loans and credit cards that need paying off? If so, then now is a good time to clear them all of those debts once and for all.
You’ll feel so much better once they have all gone, and you can also expect to see an improvement in your credit score.
Maybe you have always wanted to build an extension onto your house? Or perhaps your living room is due to be redecorated?
These are all great ways to spend your PPI claims money, as not only do they improve the quality of your life, but they also add value to your home.
While this option is not for everyone, if you know what you are doing then expect to see some serious returns on your money.
The stock market offers a lot of opportunity right now to the smart investor, as many share prices are at rock bottom, which means the only way is up.
Also, gold is always a good investment, as the prices have shown a steady increase year upon year. Consider investing in gold coins and gold bars, as these are usually the easiest to sell when you want to cash in.Read More
What kind of loan do you want?
It’s a good idea to narrow down your search, so you can just focus on one aspect of the loan market. Consider all of the factors about your current situation, such as how much money you need to borrow, how fast you can pay it back, your credit history, and what you need the loan for.
Once you are clear on this information, then choose the kind of loan you want to apply for. For example, you could visit Full Pocket to get a payday loan, go to your bank for a large secured loan, or seek a student loan if you are in college.
Make sure you shop around
No matter what type of loan you are considering, it’s always a good idea to do a bit of shopping around before making a choice on a lender. By doing this, you can make sure that you are getting the lowest interest rates and fees possible, in order to save yourself some money.
Spend the time to visit different lenders on the internet, or even make good use of a comparison website or broker. At the end of the day, this is the way that smart people get a loan, so they can be positive that the best deal possible is accepted.
It’s extremely important that you never apply for a loan when there are doubts in your mind about whether or not you can afford to repay it.
While it may seem tempting to borrow the money now and worry about repaying it later, this is a path full of danger, and you could be putting your financial future in jeopardy by taking this route.
Many people get in over their head all the time when taking out a loan, and the end result is often massive debt that takes years to recover from, or even bankruptcy.
Understand the terms and conditions
Also, you never accept a loan when you don’t fully understand the terms and conditions. It’s not uncommon for there to be hidden fees in a loan, so you definitely need to keep an eye out for things like that.
Ultimately, if there is something you don’t understand, then you should contact the lender to ask for further clarification.Read More
It doesn’t need to be all doom and gloom though. With a bit of planning you can easily save money to make your life as a student go a bit more smoother.
In this article, we are going to take a look at the top 5 money saving tips for students, so you can make your finances stretch further.
Just about every major store, both online and offline, release coupons on a regular basis to help you save money. With this in mind, visit a website like www.behindthecounter.com and look for coupons for stores that you shop at on a regular basis.
This should only take up a couple of hours of your time every month, and will end up saving you hundreds, even thousands of dollars a year.
Cook from scratch
One of the main expenses for any student is food. Those grocery bills can quickly mount up, especially if you buy a lot of junk food.
In order to cut costs, try cooking all of your meals from scratch, using natural ingredients. If you do this, then you will notice significant savings when you shop at the supermarket each week.
Get a job where you shop
Getting a part-time job is something that almost every student needs to do. You can use this to your advantage, by getting a job where you do a lot of your shopping.
Many employees are entitled to huge discounts, with some stores even offering up to 50% off purchases for staff. For example, New Look and The Body Shop give nearly 50% off to their employees.
One of the best ways to save money as a student is to shop for items that are in used condition. For example, you can get many of your textbooks on sites such as Ebay and Craigslist for a fraction of their normal price.
Also, look in charity shops for clothing, and visit car boot sales on the weekend to find all kinds of hidden gems that are extremely cheap.
Drink at the house
Part of being a student is having a few drinks at the weekend so you can relax and unwind. If you want to save money, then consider having the majority of your drinks at the house before you go out.
Let’s face it, the price of drinks in bars and clubs is very expensive, which means you can save a lot of money by buying alcohol at the supermarket in bulk.Read More
It used to be that payday loans were seen as something that was illegal and shady. However, those days are now a thing of the past, as the vast majority of payday loan companies operate completely within the laws set out by the government.
That’s not to say that every payday loan company is above board though. Unfortunately, there are still a handful of rogue lenders on the internet, who are basically nothing more than illegal loan sharks.
If you want to avoid having a bad experience when taking out a payday loan, then you should follow these tips on how to spot a legitimate payday loan company.
One of the first things you should look for is how professional does their website look? Legitimate payday loan companies realise that image is everything, which is why they are constantly improving the look and design of their websites. If the website looks like something that was designed in 1997, then you should probably stay away.
Another thing to check for is the level of customer service that a particular payday loan company offers. Typically, a legitimate company will have trained support staff available to take your call and answer any questions that you have. If there is no phone number on the website, then this is a sign that the company is a rogue lender.
Clear terms and conditions
When applying for a payday loan, the terms and conditions should be clearly stated so you fully understand what you are getting into. This includes information about the interest rate and any extra fees that will be added in the event of a default. A rogue payday lender will never clearly state the terms and conditions, which means you should stay well away if you don’t see them.
Finally, one of the best ways to spot a legitimate payday loan company is to search for reviews from past customers. The internet is a place where people are not afraid to voice their opinions, and if they have a bad experience then they will waste no time in posting about it on forums and blogs.Read More
When times are tough, gold is king! Whenever the economy hits a rough patch, millions of people turn to gold as a safe investment. This is because gold is well known for increasing in price when everything else is on a downward spiral.
It’s for this reason that many people have been buying up gold bullion recently like it’s going out of fashion.
Ultimately, people see it as a long term investment, which can create great wealth no matter what is going on in the financial world.
Interestingly, many people are using gold as a way to secure their long-term financial future, with things such as a Gold Ira for security.
Buying gold bullion
You can buy gold bullion in the form of bars or coins on the internet from one of the many various dealers. One thing to look out for is the level of purity, as this does differ somewhat depending on where you are buying from.
Typically, the purity tends to be between 22 and 24 karats when buying gold bullion.
Specialize in one form of gold
When you first start buying gold, it’s a good idea to specialize in only one form of gold. For example, you could spend all of your money investing in one ounce gold coins, as they are extremely easy to buy and sell, which means it carries a lower risk.
Once you know what you’re doing, then you can branch out in other areas of gold.
Only buy the best quality gold bullion
This is especially true when buying gold bullion coins, as the value is always affected by the quality. If the coin is worn or marked, then you could have big problems trying to sell it in the future.
For this reason, you should only buy gold coins that are in “uncirculated” condition, and have no scratches or marks viable. Once they are in your possession, then it’s a good idea to keep them in some kind of protective case or covering, so the quality can be maintained.
Because gold is sold on many different websites around the internet, you should always take the time and effort to compare the prices being offered.
The price of gold changes on a daily basis, so it’s a good idea to keep up-to-date with what it is so you won’t get ripped off. Also, be aware of any shipping and handling costs added by a dealer, as these will factor into the final price that you pay.Read More
The most valuable asset in any company is working capital. Quite simply, working capital is defined as all of the current assets that are available in a company, which can be converted into cash within the next 12 months.
With this in mind, it’s essential to effectively manage working capital within your business, so you can do things such as plan for the future and produce accurate budgets.
If you don’t manage working capital properly, then it can lead to disaster. Many a business has been sunk because of this, as they quickly found themselves with a major cash shortage, and being unable to pay their debts.
Here are some tips to keep in mind when managing the working capital of your business:
Being aware of how much working capital you have available will play an important role in your investment decisions now and in the future. If your amount of working capital is low, then it might not be a good idea to invest money in high risk activities.
You should always keep in mind the risk to reward ratio, and invest the companies money smartly at all times. This can only be done if you understand how much working capital is available.
Set goals for the future
Any successful company needs to set goals for the future, so they can have a good idea of how much working capital will be available two, three, or even five years from now.
You can set realistic goals by looking through your past financial records, as these often provide a good indicator of the amount of growth you will experience in the future, and the amount of revenue your company will be making.
Measure on a consistent basis
In business, you need to be constantly monitoring everything, so you can stay on top of issues and deal with problems before they get out of hand. This is why you should be measuring the working capital on a consistent basis, instead of ignoring it for long periods of time.
Set a schedule where you set aside time to closely look at your working capital. This can be done on a weekly basis, with an regular overview at the end of the month.
If you spot any potential problems then work out the solution quickly and then act immediately. This way, you can resolve any issues before they get seriously out of hand.
Thanks to Terry knight for the post.Read More
Let’s face the cold hard truth for a moment…we currently live in a time where many people are suffering from a financial meltdown. The economy is in a mess, unemployment is at an all-time high, and every week millions are sinking deeper into debt.
To top it all off, the majority of households have no idea what their monthly budget is, which means they have no idea if they are spending more than they can afford.
Ultimately, if you want to gain control of your money again, then you need to get on top of your personal finance so you can relieve the pressure and stop the downward spiral.
With this in mind, here is a plan of action that will help you take control of your personal finances once and for all…
Get an overview of your financial situation
Before you do anything else, it’s very important to get an overview of your financial situation. If you don’t do this, then it’s like trying to find a destination without a map…you could end up being lost for years!
Basically, the main things you need to concentrate on are your incomings and outgoings on a monthly basis. Once you know these figures, then you are in a better position to take the necessary steps to improve your situation.
Reduce your outgoings
Quite simply, the number one reason why people lose control of their personal finances is because they spend more than is coming in. At the end of the day, this is basic maths, and if you are spending more than your income then trouble is not far away.
Start by eliminating the non-essential items that you pay for each month. This will help to reduce your outgoings no end, and put you on the road to financial health.
For example, things such as mobile phone bills, cable television, and fast food expenses, all quickly start to mount up, and you can burn through money without even realizing it.
Increase your income
Once you reduce your monthly outgoings, then the next step to focus on is increasing your income.
Think about this for a second…if you could double your income and cut your monthly spending in half, then don’t you think that your personal finance situation would improve tremendously? Of course it would.
Maybe you could start a little business on the internet? Or get a second job in the evenings? The possibilities for increasing your income are endless.Read More
Being a landlord is no walk in the park and is often a demanding profession. You need to develop skills where you can effectively communicate with people, organize projects, and most importantly, stay on top of the finances!
Many people who try their hand at being a landlord soon give it up, as they can’t cope with the constant problems and headaches.
From the outside looking in, being a landlord may seem like a cushy profession, but as anyone who has been in the game for a number of years will tell you, this is far from the truth.
If you are struggling to make money as a landlord then this article will help you. We have compiled some of the best money saving tips for landlords that we could find, which means you should pay attention to every single word written below.
Invest in property management software
The first thing you should do to save money is invest in property management software to help plan your projects more effectively, save hours of time, and ultimately increase your finances.
If you are not very computer literate then there is no need to worry, as these software programs where designed with this in mind.
In fact, property management software is very easy to get started with, and then a breeze to use on a daily basis.
This is mainly due to the user friendly and simple interface, so you can just concentrate on your business and not have to be calling computer support every 5 minutes.
Do credit checks on potential tenants
Another money saving tip for landlords is to always conduct a credit check on potential tenants. This will potentially save you from many problems in the future, in which a tenant stops paying and you end up losing money!
There are many services which you can use to run a credit check, and they will show information such as their history of paying bills and debts on time. If they constantly miss payments then this is a huge red flag, and you should proceed with extreme caution.
Failing to plan for repairs
Many landlords lose their shirt because they fail to plan for repairs. Everything can be running along smoothly, but when a roof repair bill shows up and needs thousands of pounds out of your own pocket, then it becomes more difficult to make a healthy profit.
That’s why it’s a good idea to budget for these kind of things in advance, so you don’t have any nasty surprises down the line. A good rule of thumb to follow is setting aside around 5 to 7 percent of your total rent in order to cover repairs.Read More
The report from the ONS has shown a 10% rise in the past 5 years in the amount of people who would not have enough money to pay an ‘unexpected financial expense’. The report also showed that almost a third of people can no longer afford an annual holiday. The ONS also added:
“We’ve also seen small increases in the amount of people who have said that they cannot afford to cover loan repayments, rent/ mortgages, utility bills”
While there are many reasons for this increase in people struggling with their finances, many put it down to ‘wages vs. inflation’. This basically refers to the rate at which wages are increasing compared to the rate of inflation. In November the ONS released figures showing that for the past 12 years inflation has been rising at a higher rate than average pay.
Rather more alarmingly, in the last 5 years inflation has been measured at an 18% increase whereas the average taxpayer has only seen a 10% increase in their annual salary.
While many have been forced to make sacrifices such as down-sizing houses, taking on extra hours or selling one of the vehicles in their house- others have taken a more ‘head on approach’, created a budget and systematically introduced money saving changes to their life, such as:
- Cancelling Sky TV or grouping the cost of TV, talk and broadband costs
- Reduce the price of the weekly shop by downgrading some products
- Reduce the cost of your mobile phone bill by taking advantage of free communication apps and website
- Take advantage of comparison websites to save on insurance costs
- Switching energy providers
- Reducing or quitting smoking and/ or alcohol.
It may be tough to accept, but as Brits we are facing the reality that we can no longer live the life that we could 10 years ago and for the majority, lifestyle changes are required. The important thing is that we don’t panic and turn to short term financing such as credit cards and payday loans.
Many that have turned to these cash advance loans have actually found themselves in further financial difficulties as a result of the loan. If you are really struggling to make ends meet then look for a long term solution not a short term fix.Read More
Let’s face it, most auto insurance policies are through the roof these days, which ends up leaving you losing hundreds of dollars every year.
This doesn’t have to be the case though. Did you know that it’s perfectly possible to save money on your auto insurance? And not just a small amount either, but in some cases you could be making massive savings.
Here are some auto insurance money saving tips:
Typically, websites are cheaper than your local offline insurance companies because they have lower overhead, so they can then pass on the savings to you.
Also, it’s worth noting that many insurance websites offer “comparison” services, which means they instantly connect with hundreds of insurance companies out there to offer you multiple quotes within minutes.
Good credit score
An important aspect of getting cheap auto insurance is your credit score. Not many people realize this, but if you have a poor credit rating then you can be almost guaranteed to have to pay a high price for your auto insurance.
Make sure your credit score is in good standing, and if it isn’t, then start learning the steps you can take to improve it right away.
Keep your vehicle off the road
One factor that auto insurance companies take into consideration is where you keep your vehicle. If your vehicle is parked on the road, then this increases their risk, which means you end up paying a higher premium.
Try and keep your vehicle off the road when it is not in use, preferably in a garage on your property. Doing this ensures that you will save money on your auto insurance.
Another way to save money is by taking a course to improve your driving skills. Insurers like to see that you are constantly continuing your driving education, which ultimately means you are less of a threat on the road.
In fact, there are many courses aimed at people aged over 55, and when a person passes a course, they are then eligible for a discount on their auto insurance with certain companies.
To find these type of courses, simply do a search on a website such as Google or Bing and you are sure to find many options in your local area.
A guest post by Graham Stapleton.Read More
Times are hard, and many people are struggling to pay for the basics. Not only that, but traditional lenders are closing their doors to the average person, which makes getting a loan harder than ever.
Not all is lost though, as there are certain lenders out there who are prepared to offer fast cash loans if you are currently in a tight spot. Best of all, the application process is simple and straight forward, which means you won’t be asked any difficult questions about your financial history.
One of the lenders you should take a closer look at is http://www.samedayloansusa.com/ as they can offer you quick and easy cash in your bank account within hours.
The benefits of fast cash loans:
Many people get turned down by traditional lenders because they have a poor credit score. However, this is not as much of a problem with fast cash lenders, as typically they are more concerned with other factors.
For example, they like to know that you have a regular income and a bank account. That’s pretty much it. There is no need to spend hours telling them about your financial history, or wait days for them to complete a credit check.
Ultimately, if you have bad credit then your chances of getting a loan is very high. Just make sure that you are always truthful when filling in the application form.
When applying for a fast cash loan, you will pleasantly surprised by the simplicity of the whole process. These lenders have simple websites that are easy to navigate and easy to understand.
Most importantly, the application form for the loan can be filled out in minutes, so you are not left hanging around.
This is different to what you’ll find when applying for a loan from a traditional lender. They like to make things as complicated as possible, so you end up feeling confused and frustrated.
Then, after a long application process, they turn you down. What a waste of time!
Let’s face it, you need fast cash NOW…not in days, weeks or months.
With this in mind, you will be happy to discover that these lenders are quick in giving you their decision, so you can either get the money into your bank account straight away, or go and apply at a different website if unsuccessful.
Never accept long waiting times for approval ever again, as fast cash loans make your life more convenient, meaning you get money as quick as possible.
Phil Davis produced this guest post.Read More
If you want to be successful at buying gold, then it’s essential to choose a gold trader to work with. You must make sure that they are an expert in this field, so you can ensure the maximum return on investment possible.
Here are the top tips to keep in mind when choosing a gold trader:
Look for reviews
First and foremost you should seek the opinions of others. There are many websites out there that are dedicated to reviewing gold traders and companies, which means you can get honest opinions without risking any of your money.
For example, you can learn about regal assets by reading one of the many reviews out there, so you can form your own opinion on whether or not they are a legitimate company.
Before spending any money on gold, it’s a good idea to know exactly what you want to get out of your investment. Being specific is important because it allows you to narrow down your search for a gold trader, so you tell straight away if a particular company is right for your needs.
Consider writing out a checklist, that goes into detail of exactly how much you are willing to invest and in what time-frame. Also be aware of what method of payment you would like to use to pay for the gold.
Many gold traders now offer training, which means you can learn more about investing in gold in order to make better choices.
At the end of the day, education is a life long process, and you should always be willing to put in the effort to improve your knowledge and skills. The people who ultimately fail at investing in gold are the ones that think they know it all, and are not prepared to listen to advice from experts.
Don’t let this happen to you. Instead, choose a gold trader who offers comprehensive training, and you will be putting yourself in a better position to make the right investments.
The last thing to consider when choosing a gold trader is their level of customer service. Let’s face it, you are probably going to be a spending a lot of money with a trader, so it’s essential that you get good customer service in return.
If you need any questions answering or problems sorted out, then they should be quick to get back to you and friendly in their response.
Thanks to Fraser McCourt for the guest post.Read More
Getting a guaranteed auto loan is not always easy though, as there are many different factors that come into play when lenders look at your application.
For example, some factors they look closely at is your current credit score, your employment status, level of income, and whether or not you have a bank account.
With this in mind, here are some tips that will help you in choosing an auto loan that is right for you…
Getting financed by the dealership
Typically, people that buy their new vehicle from a dealership find it the most convenient solution to get an auto loan from there. However, you should be careful though, as the finance plan they offer might not be the best solution for you.
It’s well known that dealerships tend to have higher interest rates than other lenders, which means you may be better off seeking a loan from elsewhere.
Also, keep in mind that dealerships also impose terms and conditions that may not be in your best interests, so make sure you read the small print closely.
Factors to consider when choosing an auto loan
It’s important that you never rush into an auto loan, and instead take the time to look more closely at what is on offer. If the terms of the loan don’t make sense to you financially, then it’s a good idea to turn down the loan no matter how much you want a particular car.
What to look out for:
Auto loans are usually offered with terms of around one to five years, although it is not uncommon to find some loans that offer a longer time period.
It’s essential that you get the best possible interest rates on your auto loan, as doing so can save you a lot of money. Consider shopping around before making a decision, and look at alternative sources of lending to get a good deal.
Some auto loans require you to take out added insurance that covers you in the event of missed payments. This extra monthly fee can end up being a financial burden, so make sure you can afford it before signing on the dotted line.
Many lenders charge extra fees if you were to default on a payment. With this in mind, you should know exactly how much you would be charged if this were to ever happen. These extra fees often send people deep into debt, which means they end up struggling to get back on top of things.
Steve Albright provided the post.Read More