Endowments and Endowment Shortfalls - What You Need To Know by David Miles
Endowments and endowment mortgages have received a lot of bad press in recent years, amid concerns over falling policy values and accusations of endowment miss-selling. This article attempts to answer some of the questions and concerns you may have about the way endowments work, what's happening... Anyone taking out an endowment policy, whether on a with profits or unit linked basis, has to be given a written illustration by the insurance company of how much the policy might be worth at maturity.

Inside Insurance – Protection Priorities by Rachel Lane
Protecting your home Although you have no legal obligation to insure your home, your mortgage company will want to protect their investment with buildings insurance. However, it is also worth protecting your own investments, so even after you’ve paid off your mortgage, you should ensure you’re... Examples include critical illness insurance, as discussed above, as well as long-term care insurance and medical insurance, which may also be referred to as private medical insurance or simply health insurance.

Vacational Finance by John Mussi
Taking a vacation can be an important part of your yearly routine… after all, it's been shown in medical studies that individuals who go on vacation at least once per year not only tend to live happier lives but also may have longer lives as well. Unfortunately, vacations aren't free; it can... If you run someone over with your car and cause them serious injuries, the cost of your legal defense alone is many times what you pay for the policy. ... Insurance is the difference between picking yourself up and carrying on after a disaster or facing bankruptcy and financial ruin.

Time Limits for Making Mortgage Endowment Complaints in the UK by Martin Nolan
There is much discussion in the financial sector regarding the endowment mortgage misselling scandal that has affected up to 8.5 million policyholders in the UK. Endowments policies were sold heavily in the UK during the 80’s and 90’s as a cheap yet secure method of repaying your mortgage debt. ... In addition to this you also had the benefit of life insurance covering the full target amount payable upon death. ... The Financial Services Authority in the UK (FSA http://www.fsa.gov.uk/) have devised rules that now allow customers to complain if they feel they were misled by a salesman and...

How to Save Money on Cheap Car Insurance by Ranjit Kaur
Life, it seems, is one continuous cycle of spending. Mortgage, council tax, gas bills, pensions, road tax, TV licence, telephone bills, MOTs. The list seems endless. It’s a wonder that we’ve got any money left over for the things that we enjoy. Most of the bills we have to pay don't leave us... And Duck2Water Car Insurance Services have revealed how to do it, betraying a few industry secrets to give you the low-down on bagging some cheap car insurance. ... A vehicle parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company...

Loans for Unemployed by Joseph Kenny
It is one of life’s small cruelties that the times when you need credit most badly, are also the times when lenders are least willing to give it to you. When you are finding it hard to meet your obligations, your car payments are behind, your credit cards are all fully loaded, and you’re barely... Insurance The other thing you might consider is credit protection insurance. ... This is an insurance policy you will need to have taken out before you lost your job. ... Most credit protection plans provide that if you lose your job through no fault if your own, they will kick in the meet your...

Five Simple Steps to Significant Savings by Rhiannon Williamson
We all know that we should be putting aside an amount of money each month and saving towards our futures - right? Well, if you’re anything like I used to be you get to the end of the month and the cupboard – or the bank account in this case - is bare…if you’re lucky you just have enough to meet... Don’t worry, I’m not suggesting that you should give up living your life the way you like it, I’m just suggesting that you could maybe trim a little off the load and live life today whilst at the same time saving for your life tomorrow.

How to Achieve Financial Freedom with Your Home by Geoff Morris
The secret disclosed on how you too could achieve financial freedom through property (and tell the pension companies just where to stick their measly, worthless ‘pensions’) Geoff Morris is a self-made property millionaire who made it in less than 18 months even with a hectic 'day job'. ... On top of this, most people will take out some other financial facility, such as an endowment policy coupled with a life insurance policy for the period of the mortgage, so at the end of the mortgage term, they will not only own the house outright, but also have a lump sum.

Handling Mortgage Arrears by Geoff Hibbert
I have listed below some of the best ways you can cope with mortgage arrears and threatened repossession. Do not forget to get proffessional advice if you are experiencing problems. As every persons circumstances are different this guide should not be read as a be all and end all. ... Remember to check the minimum claim period for your policy most do not pay out during the first 3 months of a claim. ... If you have a mortgage payment protection plan (MPPI)with an insurance company or your lender then you may receive help in paying your mortgage if you fall ill, become unemployed etc.

Home Loans - Understanding The Costs by Joseph Kenny
When you decide to get a home loan, there are a number of costs that are involved. If you are fortunate, the seller of the home may agree to cover some of the expenses for you. Some of the expenses you will see when getting a home loan is the closing costs, prepaid items, and loan discount fees. ... Homeowners will also have the pay the insurance policy for the first full year. ... It will need to have enough money to cover a few months worth of payments toward taxes and insurance. ... The money that is placed in this account will be applied to such things as insurance and property taxes.