The AnswerBank Articles

‘Effective’ Planning Can Reduce Inheritance Tax Bill

It is traumatic when we lose a loved one but it can be a nightmare to sort through the finances of the deceased. Trying to work out how much goes to whom and what to do with any property is the last thing you need when you are still grieving. In addition, the taxman wants his cut of the pot too in the form of Inheritan...15:36 Mon 24th May 2010

Mortgage Holders Offered Help With Payments

Many of us are struggling to make ends meet but for some the point of no return has been reached and they can no longer make mortgage payments. This could be a serious problem and if left could lead to eviction and house repossession. Now help is out there in the form of temporary government grants. The Homeowners Mor...15:36 Mon 24th May 2010

Antibes 'Ideal' For Brits Wanting A Second Home

We have all been on that perfect getaway – the weather was superb, the beaches pristine, the kids hardly squabbled and you and your partner didn’t row once. What if you could repeat that experience every year, how great would that be For most of us a visit to a foreign country is usually a holiday or occa...15:36 Mon 24th May 2010

Saving 'Not Encouraged' By Pension Tax Rule Changes

Although many of us are saving for our retirement recent news from the government is discouraging for some. The highest level of tax relief will be restricted for those earning more than £150,000 a year and it will disappear altogether for those with income over £180,000. These higher earners will only get ...15:36 Mon 24th May 2010

Medical Insurance Rise 'Fuelled By Instant-Access Society'

A growth in levels of personal medical insurance (PMI) is a result of an "instant-access society", an expert has asserted. You can order your shopping online with same day delivery why not get your medical treatment the same way Bupa have commented that more people are doing this because they do not want to...15:36 Mon 24th May 2010

UK Holidaymakers Attracted By ‘Enhanced’ Haven Camps

We all look forward to our two weeks away, for some that means lying on a beach sunning ourselves. However, for those of us with families something a bit more entertaining and economical is required. Staying in the UK for your holiday is becoming increasingly popular in the current financial climate and holiday camps a...15:36 Mon 24th May 2010

Head To Bath For A Splashing Good Time

Bath is a "beautiful" UK holiday option, it is claimed. The Somerset destination has "all the delights of a continental city" according to its tourist board. "[It has] stunning architecture, history, heritage and irresistible food and shopping, easily rivalling that of its European counterpart...15:36 Mon 24th May 2010

Low LTV Mortgages 'Lead To Less First-Time Buyers'

Mortgages which require a large deposit put first-time buyers off purchasing houses, it has been asserted. Borrowings which have a low loan-to-value (LTV) mean that these types of people are "forced" out of the market, according to an online house selling company. The founder of the website said when there ...15:36 Mon 24th May 2010

Keep An Eye On Insurance When Economising

In an effort to make ends meet, it seems, some of us are cutting costs by cancelling some insurance policies. However, this can be dangerous as some are required by law and some would make life very difficult if we were not covered. Insurance customers must decide what policies are essential when they are considering ...15:36 Mon 24th May 2010

Gold Credit Cards 'Can Cause Travel Insurance Confusion'

We all know that purchases with credit cards are often insured by the company in case of fraud or faulty goods. Some opt for the gold credit cards which usually give better rates but you have to be spending more. Some cards also offer other types of insurance as an incentive to buy. But it is worth checking the small p...15:36 Mon 24th May 2010

New Astra Great New Family Car

Has your car had it Are the ashtrays full and the back seat covered in rubbish from the kids Is it time to upgrade and buy a new car If the time is right for you then you should check out the new Vauxhall Astra released in 2009. If you have a family then this could be the ideal vehicle for you. It has won one of th...15:36 Mon 24th May 2010

Pre-Paid Debit Cards May Replace Pocket Money

With the government introducing a new initiative to teach primary school children the ways of careful money management, perhaps we should all take a good look at the way we spend and save our hard earned cash. It is widely believed that children learn what they need to know about the big wide world from their parents....15:36 Mon 24th May 2010

How does a company pension work

Most of us are looking forward to the time when we have retired from work and can relax and start doing the things we always wanted to do; whether it is spend more time with the grandchildren, travel or simply enjoy the garden. Whatever it is we need some money to live on. Many people will be relying on their State Pen...15:36 Mon 24th May 2010

Get Your Team In Credit

There are few things more important in many people's lives than the exploits of their favourite football team. Despite the rising cost of tickets many people take to the stands every week to cheer their team. And nowadays with more and more commercialisation there are also copious amounts of merchandise available which...15:36 Mon 24th May 2010

Eligibility For Right To Buy mortgages

Although most of us in the UK own our own home, many of us are in rented accommodation. Of those renting a large percentage do so from their local authority in what is traditionally called ‘council housing’. From the early 1980’s many renters in council provided accommodation have been able to buy th...15:36 Mon 24th May 2010

Protect Your Mortgage As Well As Yourself

Many of us who own our own home and have a mortgage will have a mortgage protection policy. Usually our mortgage provider has asked us to take out a policy with them but we are not always sure of the reason why. It could be vital to your financial well being as well as peace of mind to take out this sort of cover in th...15:36 Mon 24th May 2010

When might a payday loan be useful

We have all been there. After a particularly expensive month; perhaps there were a few family birthdays, a holiday or Christmas, we have run out of money earlier than expected and payday seems a long way off. Most of us will somehow scrape through until the money comes through but for some people the money needs to com...15:36 Mon 24th May 2010

Getting Your First Home

Although many children are now staying at home longer and longer, often throughout university and well into their first job eventually they do leave. However, as many of us have heard in the news first time buyers are finding it increasingly difficult to qualify for a mortgage and many have little or no deposit. Gettin...15:36 Mon 24th May 2010

Do You Have Enough To Retire On

We all dream of the days when we have finished work and can kick back and relax. However, many of us may not be as prepared as we think and perhaps the time is right to check up on our retirement potential. Most people will be relying on a State pension. You are entitled to this if you have built up enough ‘qual...15:36 Mon 24th May 2010