Finance

Bankruptcy and insolvency are options that often have to be considered when an individual cannot pay their debts as they fall due. A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order but in some cases the period will be less than one year. More

Get a loan, mortgage, credit card, contract mobile phone or even monthly car insurance and lenders score you to predict your likely behaviour. One company may reject you but it does not follow that another one will. More

It has become very easy to borrow money these days. Advancements in technology especially with the Internet have made it convenient for seekers to track the most appropriate loans for their situation. More

Consumers are paying an extra £200 million every year to store card providers and the value of store card transactions is around almost 10 billion pounds every year. The high interest rates the lenders charge are not always clearly explained on application but the opening discounts offered are enticing as well as the ‘perks’ for regular use, money-off vouchers, sale previews and promotions which may also be persuasive. More

Factoring - Raising Money Without a Loan:Does your business have an opportunity to expand, but you don't have the money to invest in additional production materials? Is your business going through a down cycle, and need money to make payroll and pay other expenses? Do you need money for your business but have already borrowed money? If you have answered yes to any of these questions, you may want to consider factoring as an alternative form of raising money. What is factoring? Factoring is a legal agreement between a business owner and a financial institution. More

Budgets and forecasting should be efficient value-add processes. Spreadsheets can prove difficult, overwriting formulas requiring different worksheets to view. More

Online banking (Internet banking) is a way in which we can make transactions, payments etc. over the internet through a bank's secure website. More

Why is student loan consolidation the best option? Student loan consolidation is a refinancing program that:Reduces your monthly payment up to 60% Locks in your interest rates Simplifies your finances by having you make only one payment a month Improves your credit rating Saves you money today when you need it most Provides flexible repayment options Student loan consolidation allows you to stretch your repayment period from the standard 10 years to up to 30 years, depending on the amount of your education debts. The lower payment means you'll have more money available to meet other household expenses, including car payments, childcare, and career-related necessities. More

• Variable Annuity