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Insights on money, career and trading

Japanese knotweed uproots home sales

Posted on October 16, 2013 by Daniel at 2:21 am

japaneseProperty sales across the country are falling through because some banks refuse to lend against homes that are blighted by Japanese knotweed.

Buyers are losing money on fees and surveys only to be told they cannot get a mortgage, while homeowners are facing huge bills to remove the invasive plant.

The weed can grow 3m (9ft) in just ten weeks, so it can quickly spread from neighbours’ homes, nearby wasteland, waterways, railway lines or footpaths. Its root system can push through tarmac and damage buildings and drains. A pair of secateurs is no match for it, as it will soon sprout back. It can take years to fully eradicate the menace and some lenders will not offer home loans until the plant has been removed completely.

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How a Loan Will Help You Improve Your Bad Credit

Posted on October 15, 2013 by Daniel at 4:00 pm

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There are many types of loans available that can help you improve your bad credit. Each one is different, and you must decide which ones are best suited for them. The variety of the loans available also allows a person who fits the description for each loan to compile a mixed amount of credit types—which is key to improving credit.

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How Debt Consolidation Can Remedy Your Debts

Posted on October 11, 2013 by Daniel at 8:29 am

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When people are in debt it’s typically because they’ve run out of options for money and can’t think of a way out. Debt consolidation is one of the best solutions to your debt problems. In the simplest of terms, the process involved with debt consolidation allows you to gather all of your debts together into one, lower interest rate loan. Debt consolidation is generally new debt but the end goal is for this new loan to pay off previous loans and many find it a great deal of help. Debt consolidation can ensure a lower interest rate and it can be an ideal money saver, it can help you to keep up a good credit score, and it can lower your monthly payments.  Contact 4ukdebtconsolidation.co.uk for Debt Consolidation Advice.

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Having Debt Isn’t All That Bad

Posted on October 3, 2013 by Daniel at 8:44 am

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You may not be aware, but there is such a thing as ‘good debt.’ Although we associate the word debt to be a bad thing, good debt can be acquired under the right circumstances. So what is good debt? Essentially good debt is an asset, or an investment that will grow in value over time. Typically good debt consists of having a plan, owing money or other interactions for a short period of time, with intent to get a higher return to make it all worth it. Here are a few examples of good debt.

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Dreaming of a Premium Bond jackpot?

Posted on October 2, 2013 by Daniel at 2:18 am

Millions of Premium Bond customers who daydream about winning big are facing a reality check as their chances of landing a cash prize are about to get slimmer.

Premium Bonds offer some of the excitement of a flutter on the horses for the risk-averse. The government-backed savings products are tax-free, 100 per cent secure because they are backed by the Treasury and, unlike many savings accounts, you can take your money out when you like without a penalty. For their 22 million customers, it is hard to put a price on the possibility, however distant it might be, of winning the £1 million jackpot and being able to pay off the mortgage or even give up work. If you have ever owned bonds you are probably familiar with the thrill of recognising the envelope on your doormat and anticipating whether it will contain a cheque for £25 or news that you have won a life-changing sum. For this reason, many are willing to forgo any return at all on their savings during the months or even years that they do not win prizes. For those savers, the barren periods in between winnings are about to get longer.

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Understanding the New Current Account Switch Service

Posted on October 1, 2013 by Daniel at 1:00 pm

With the launch of the new current account switch service, there is no better time to change your bank; it’s quicker and easier than ever before and your bank does most of the work for you!

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Insights on money, career and trading