Financial information for the savvy shopper! http://www.loanproblems.co.uk Fri, 05 Sep 2008 23:44:15 +0100 FeedCreator 1.7.2 http://www.loanproblems.co.uk/images/M_images/joomla_rss.png http://www.loanproblems.co.uk Financial information for the savvy shopper! http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=70&Itemid=1 We all love to get away for our Summer Holidays, or increasingly, away for frequent short breaks abroad; but one often neglected and vital aspect of our holidays or short breaks is Travel Insurance. Now of course, the reason that many people omit... Thu, 05 Jun 2008 09:20:43 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=69&Itemid=1 Following current events in the news recently, I happened to be following coverage of the uncertain events occurring in Zimbabwe at the moment. Now what has this got to do with us, so many miles away in the UK you might ask? Well... Wed, 28 May 2008 10:44:40 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=68&Itemid=1 Press Release www.loanproblems.co.ukNew Financial Advice web site launched Do you have financial problems but don’t know where to turn for advice? Perhaps things are not quite so dire but you just need sensible advice about financial matters in general? Well why not try loanproblems.co.uk;... Mon, 19 May 2008 10:48:20 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=66&Itemid=1 Choosing either an IVA or debt consolidation both mean that you are looking to make reduced payments to the people you owe money to. Both of these alternatives to paying off your debt have implications (good and bad). Here... Thu, 24 Apr 2008 16:01:25 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=65&Itemid=1 If you are in serious debt then you are not alone. More and more people in the UK are suffering from debt. This is why solutions such as IVA and debt consolidation are becoming more and more popular in addressing the debt issue. So... Mon, 14 Apr 2008 10:37:55 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=67&Itemid=1 @import url(http://www.google.com/cse/api/branding.css);... Tue, 01 Apr 2008 00:00:00 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=64&Itemid=1 When investing in shares, a major indicator to look out for is the price earnings ratio - a similarly important indicator is earnings per share, and the two are, in fact, intimately linked. Before covering the subject of price earnings ratios,... Thu, 06 Mar 2008 15:17:41 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=63&Itemid=1 Spread betting is a financial product that has opened up trading on a wide range of markets, and put this within easy reach of the public at large. Firstly though, to clear up a common misconception, this is NOT actually... Thu, 06 Mar 2008 15:15:58 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=62&Itemid=1 A question that is often asked by clients is why are you recommending foreign shares for my portfolio? Admittedly most of my clients are within the 65 to 75 year age range, and undoubtedly there is an element... Thu, 06 Mar 2008 15:08:51 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=61&Itemid=1 Anyone who has ever had occasion to peruse the pages of any published legislation will have, no doubt, been struck by the complex and indecipherable nature of the wording used. Very early on in the publication, chapters seem to endlessly... Thu, 06 Mar 2008 15:05:49 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=60&Itemid=1 Almost all of us aspire to own our own homes one day. Maybe after years of paying out ‘dead’ rent money, or living with our parents, we finally set out along the road to make our dreams a reality. Many... Thu, 06 Mar 2008 14:55:26 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=59&Itemid=1 Applying for a mortgage is one of the most momentous decisions that you will probably ever take. Make no mistake as to the full implications of taking on a mortgage – it means that for the next 25 years or... Thu, 06 Mar 2008 14:48:30 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=58&Itemid=1 Endowment policies were a very popular and much promoted financial product popular in the 1980’s and early 1990’s. They offered a cheap way of affording the monthly mortgage payments, whilst promising, at the end of their term, a lump sum... Thu, 06 Mar 2008 14:42:01 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=57&Itemid=1 Are you confused by some of the jargon or terms used when it comes to loans and credit cards? Here are some simple explanations.APRThe annual percentage rate. The APR is a complicated formula which is defined in the Consumer Credit... Tue, 04 Mar 2008 13:37:46 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=56&Itemid=1 Work out what you are earning and spendingThis may seem obvious but if you don’t know what you’ve got coming in and what you are spending, you won’t be able to manage your money effectively. So sit down and list... Mon, 03 Mar 2008 15:42:25 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=55&Itemid=1 Whilst internet competitions won’t guarantee to reduce any debt problems you may have, they are worth entering if not just for the fun. There are many on the web from the simple competitions where all you do is enter your... Fri, 29 Feb 2008 18:28:56 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=54&Itemid=1 To declare bankruptcy should only be considered as a final option in terms of reducing your debt as it is a very difficult process to have to go through for anyone. Before considering declaring yourself bankrupt, you should have already... Thu, 28 Feb 2008 15:41:31 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=53&Itemid=1 There can be a number of reasons why a company wishes to raise extra money, the main reasons are to expand the Business, i.e. purchase new equipment, or new premises, or to finance a takeover of a company. The reasons... Sun, 15 Jan 2006 15:14:39 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=52&Itemid=1 When do I pay for the new shares?All registered shareholder will receive an Application form, which will show your details and entitlement and cost. To accept the offer you are required to return the application form together with a cheque... Sun, 15 Jan 2006 15:13:29 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=51&Itemid=1 An Open Offer is another way of a listed Company to raise addional money. The same as a rights issue they are based on pro rata basics.The different between a Rights Issue and an Open Offer is:-You are able to... Sun, 15 Jan 2006 15:12:28 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=50&Itemid=1 A rights issue is when a listed Company wants to extra raise money it's a cheap and convenient way to raise extra income.The Company offer their existing shareholders more shares at a preferential rate. The offer is usually based on... Sun, 15 Jan 2006 15:10:55 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=49&Itemid=1 What are Nil Paid Shares?When no payment has been make for a new issue of shares from a Rights Issue (NPD or Nil Paid Rights).If you want to invest in the Company, than you will be debited with the total... Sun, 15 Jan 2006 15:09:36 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=48&Itemid=1 Working out your entitlement and the cost of taking the shares offered on a Rights Issue / Open Offer.When a Rights Issue or Open Offer is announced by a company, the ratio of shares and the price per share forms... Sun, 15 Jan 2006 15:08:15 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=47&Itemid=1 Can I sell my original shares before I receive the new shares from a Rights Issue / Open Offer?The answer is yes, but if you want to sell the new shares as well you will have to make to sales,... Sun, 15 Jan 2006 15:06:47 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=46&Itemid=1 Secured loans are usually more suitable when you need to raise a large amount of money, or have a bad credit rating, or you are having difficulty in getting an unsecured loan. If you apply for a secured loan than... Fri, 06 Jan 2006 10:56:44 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=45&Itemid=1 If you are looking for finance to buy a new car, it's always best to shop around for the best deals, the special deals the car dealers may offer could not be your best option. Compare the annual... Fri, 06 Jan 2006 10:55:29 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=44&Itemid=1 When thinking about debt consolidation you should ask yourself the following questions:- How many credit cards do you owe money on? Do you pay them off each month? Are these debts as well as a student loan? Do you feel... Fri, 06 Jan 2006 10:53:05 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=43&Itemid=1 Even if you have a bad credit history it's a fact that at some point in your life you will need a loan. Knowing that you have a bad credit history, knowing that perhaps you won't get accepted for a... Fri, 06 Jan 2006 10:48:22 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=42&Itemid=1 Do you wonder where your money goes each month?Lots of people have no ideal where they hard earned cash goes, and thats ok if you want to live week to week and don't want to think about what the future... Fri, 06 Jan 2006 10:45:40 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=41&Itemid=1 Even if you have a good job with a good salary you really should keep a trace of your spending, and having a Financial Advisor would make sense as professional advice always makes sense.Life changes events like getting married, buying... Fri, 06 Jan 2006 10:37:08 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=40&Itemid=1 Do you feel as if you are in a Rat Race and want to get out, be rich and retired?Do you spend too many hours working and not enough hours at home doing things with your spouse, children and the... Fri, 06 Jan 2006 10:34:33 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=39&Itemid=1 Business's always needs more money at some time or another. Getting extra finance can be a frightening task, unless you do your homework, and prepare, because if you are not organised the chances of success is limited. If you do... Fri, 06 Jan 2006 10:29:56 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=38&Itemid=1 There is a wide range of Business Loans available in the UK, for Small, Medium and loans for starting up a new Business. The loan can be used for refinancing, expansion and purchasing. Business always needs extra finance without it... Fri, 06 Jan 2006 10:26:58 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=37&Itemid=1 Are you someone who has poor credit rating, how many times have you read headlines like this, hoping that it will fix your financial problems? Can you ever imagine being able to be solvate again, being debt free,... Fri, 06 Jan 2006 10:24:27 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=36&Itemid=1 When setting up a new small business, most people need more cash, so monitoring how cash comes in and out of the Business is essential, here are some good cash flow management ideals. At regular intervals review your expenses as... Fri, 06 Jan 2006 10:09:25 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=35&Itemid=1 Online loans or as they are more commonly known today, E-Loans, could be one of the best ways to grab yourself a low interest, hassle free, low payment cash advance. Experts in finance forecast that as consumers have come to... Mon, 02 Jan 2006 18:08:37 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=34&Itemid=1 The first thing that springs to mind when shopping for a mortgage on a new home is the old favourite... the interest rate. Thats very sensible and obviously most people will do this. The interest rate we pay can make... Mon, 02 Jan 2006 17:24:38 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=33&Itemid=1 Have you ever sat and wondered why everybody seems to have a better car than you? Dont worry, there is light at the end of the tunnel! There are many ways in which you can trade your old banger for... Mon, 02 Jan 2006 16:53:01 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=32&Itemid=1 No matter how careful you have been financially, and how great or poor your credit rating, its inevitable that at some point in your life you are going to need a loan. If you have been a little naughty in... Mon, 02 Jan 2006 14:23:59 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=31&Itemid=1 The 3 main credit reporting companies are Experian, Equifax and Trans Union. The way in which they all work is very similar and feature a Credit Score system, which is created from credit report data submitted to them... Mon, 02 Jan 2006 13:51:03 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=30&Itemid=1 One day, you have to accept, that you will need to have Credit. Its pretty unavoidable these days. You may wish to purchase a car, new home or even a luxury once in a lifetime holiday and your... Mon, 02 Jan 2006 13:29:19 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=29&Itemid=1 I was reading the other day about a new way to get a mortgage, yet bring down your monthly payments. Hey presto! Homebuyers can now afford that dream home and first time buyers can now get their foot on the... Fri, 30 Dec 2005 03:17:45 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=27&Itemid=1 Credit cards have gotten a bad name for themselves in recent times, yet its not the card, or even the principle that causes problems. Its the fact that most people simply cannot help themselves when it comes to temptation of... Fri, 30 Dec 2005 02:12:09 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=26&Itemid=1 At some point in your financial life, there will come a time when you wish to raise some extra cash. This could be due to financial problems, perhaps you want a new extension on your home or a conservatory, or... Fri, 30 Dec 2005 01:39:56 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=25&Itemid=1 So you just graduated from college and have got your first job. It is now a month before the various loan companies send you statements in the post telling you that you have to start paying back student loans next... Thu, 29 Dec 2005 23:14:17 +0100 http://www.loanproblems.co.uk/index.php?option=com_content&task=view&id=15&Itemid=1 We at loanproblems.co.uk aim to help you to manage your personal finances and to offer up free financial help and financial advice. With many years of experience in finance, budgeting, financial planning and investment advice, loanproblems.co.uk have learned that anyone... Sat, 19 Nov 2005 07:52:18 +0100