IF recently unveiled their new credit card – the Life-of-Balance Credit Card, which promises the following features: 0% on purchases for 8 months. 4.95% p.a. for life on balances transferred within the first six months of opening the account 16.9% APR (variable) for balance transfers and purchases after introductory period It’s worth noting also that […]
Category: Featured
Save Money On Calls To Companies
Many companies now use 0870 and 0845 telephone numbers which you get charged for when phoning them – in some cases, the companies themselves will take a cut of the charges. SayNoTo0870.com is a website that gives you alternatives to these numbers for many companies. Just search for the company you’re calling, and hopefully someone […]
Guide To ISAs: Where Can I Buy A Cash ISA?
Cash ISAs are generally available from banks & building societies. If you’re looking to find out the best current rates on cash ISAs, you can compare them at MoneySupermarket. Some fund managers also offer cash-based funds which will give you some of the security of a normal cash ISA, but with the possibility to invest […]
Cost of Smoking
The big story of the day is government’s vote to ban smoking in all confined public places, such as pubs and restaurants. The government predicts that 600,000 people will quit smoking as a result of the ban, but apart from the obvious health risks, smoking can put a serious dent in your finances. I was […]
Costly Financial Mistakes
The Scotsman has ten common financial mistakes that people make. Of the ten, my ‘favourites’ are: Failing to understand credit card interest rates – 80% of cardholders do not know what rate they are paying or think they are paying a lower rate than they really are. But let’s face it, with about 14 different […]
Remortgaging Tips
Get yourself a lower rate, then overpay your mortgage to reduce the term and overall outlay.
Guide To ISAs: How Much Can I Invest?
Individual Savings Accounts investment limits and rules.
Calculators Added
Calculators for doing basic sums added to the site.
Zopa Borrowing & Lending Gains Momentum
“eBay” of lending gaining users.
Guide To ISAs: What Is An ISA?
An ISA, which stands for Individual Savings Account, is not a financial product itself. Rather it is a “wrapper” in which you can put either a cash or shares investment, which helps keep the money you have invested away from the tax man. Martin Lewis uses a cake analogy: Imagine a couple of cakes, a […]