http://www.financealley.com en-us editorial@financealley.com Taking out life insurance can take some time to find out what kind of coverage is available. Life insurance is understandably very often avoided by many people but the importance of this type of insurance should not be avoided. The use of life insurance i... http://www.financealley.com/article_558389_19.html 19th June 2008 Mortgage repayment calculator tools provide the accuracy that you need to determine if you can really afford to refinance your mortgage now or if it would be better to wait until a later date. The use of mortgage calculators has recently increased due ... http://www.financealley.com/article_558123_19.html 19th June 2008 The use of mortgage fees can be confusing but with a little bit of effort you can easily reduce the costs. Start by looking at the mortgage fees or costs; what fees are legitimate, and what fees you should be wary of, with a few lessons of wise financing ... http://www.financealley.com/article_549777_19.html 02nd June 2008 Copyright (c) 2008 Peter Kenny Private mortgage insurance solves the down payment problem but creates two new problems. Your monthly payments will be larger and on top of that it is not tax deductible. Fortunately, there is more than one way to get y... http://www.financealley.com/article_546520_19.html 25th May 2008 Understanding the basic principles behind a loan can save new borrowers a lot of stress and make the borrowing process easier. This article will explore some of those loan basics. A consumer loan is simply when a financial institution lends you money w... http://www.financealley.com/article_210884_19.html 03rd September 2007 It is no secret that home loans will often last 30 years or more and that during that time anyone can face financial issues that may lead to missing a home loan payment. The first thing to do if you miss a home loan payment is to not panic. The second thi... http://www.financealley.com/article_210759_70.html 03rd September 2007 There are many types of loans available and the nuances of some can be confusing, but one thing is certain: all loans are either secured loans or unsecured loans. This article will examine some of the issues that you can expect to face when applying for a... http://www.financealley.com/article_209824_19.html 01st September 2007 Many people ask this question and for different reasons. Some of the reasons for wanting a higher credit limit are good and sensible reasons. Others are not. Let's look at some of the issues involved with changing your credit limit. Your credit limit i... http://www.financealley.com/article_208225_19.html 28th August 2007 Credit card rewards are bonuses that you receive as you use your card. In general, the more you use the card the more points or rewards you get from the company. When you are shopping for a card that offers rewards one of the first things you need to d... http://www.financealley.com/article_207816_19.html 28th August 2007 As mentioned in an early article, there are two types of credit cards: secured and unsecured. This article will explore some of the issues of secured credit cards. What is a secured credit card? A secured card is a credit card that requires you to d... http://www.financealley.com/article_207686_19.html 28th August 2007 There are two basic credit card types: secured and unsecured. This article explores some of the issues associated with unsecured credit cards. First, what is an unsecured credit card? An unsecured credit card is a card (and credit line) that does not r... http://www.financealley.com/article_206798_19.html 26th August 2007 As technology has increased, so has credit card fraud. There are some simple steps that you can take to help protect yourself from credit card fraud. Let's look at these more closely. Keep It Close: You should never let your credit card out of sight un... http://www.financealley.com/article_206239_72.html 24th August 2007 Report the loss immediately. Those four words are probably the most important words you can remember should you lose your credit card. Let's look at this a bit more closely. There is no debate that in the US more people are carrying credit cards and de... http://www.financealley.com/article_205676_72.html 24th August 2007 Here are two important questions for credit card consumers: How many credit cards do you have? Do you need all of them? Many consumers carry several credit cards with them on a daily basis, but use only a few over any given period of time. For ma... http://www.financealley.com/article_204839_72.html 22nd August 2007 Today, more so than ever, credit card companies are allowing cash advances to their customers. Not all credit cards will allow this, but many of them do. While it is tempting to use this service at times, consumers should be very careful before taking tha... http://www.financealley.com/article_204276_19.html 21st August 2007 Credit card companies are in the business of making money. It really is that simple. They earn their money through two principle methods. One is through the finance charges that they levy when you make purchases on the card, and the other method is th... http://www.financealley.com/article_203219_19.html 17th August 2007 We have an article that details the benefits of canceling old, unused credit cards, but is this always a good idea? The answer to that is no. There are times when keeping a credit card line open is actually more beneficial to your overall credit health th... http://www.financealley.com/article_202832_72.html 16th August 2007 Whether you are shopping for a new credit card or wondering about the one that you may already have, knowing how to calculate the finance charge applied to that card is important. First, however, it is equally important to know what finance charges really... http://www.financealley.com/article_200052_19.html 10th August 2007 There is a wonderful feeling to having a credit card when you need one, but that blanket term "credit card" can be misleading at times. Not all credit cards are the same, and this goes beyond the APR that most people are aware of. Before choosing a credit... http://www.financealley.com/article_198366_72.html 07th August 2007 When you begin looking for the credit card that will fit you needs there are several things that you will want to look into. Included in this list are issues such as the annual percentage rate (APR), cash advance rates and fees, annual fees for using the ... http://www.financealley.com/article_196958_19.html 03rd August 2007 APR stands for Annual Percentage Rate. It is one of the most important numbers that you will find on a credit card application or statement. The reason it is important is because this number determines how much interest you will have to pay on any charges... http://www.financealley.com/article_196366_19.html 02nd August 2007 Credit card fraud is becoming more and more of a problem, and if you are not careful then you could lose money to fraudsters. If you are worried about fraud but are unsure how you can protect yourself and your credit cards, then this article could help yo... http://www.financealley.com/article_183953_19.html 05th July 2007 Tracker mortgages are one of the most common types of mortgage around, but they can be confusing if you are new to the mortgage world. Tracker mortgages have a number of benefits as well as dangers, and it pays to know about these before shopping around. ... http://www.financealley.com/article_183127_19.html 05th July 2007 If you are looking for a home but you know that paying a mortgage will be a severe drain on your finances, then perhaps you should look at getting an interest only mortgage. If you are unsure about what an interest only mortgage is and how it can help you... http://www.financealley.com/article_180996_19.html 01st July 2007 If you have a business, then it is important to get the right level of insurance to protect your business interests. Without the proper level of insurance your business could be in serious trouble if anything unexpected should happen. Here are some tips a... http://www.financealley.com/article_178215_19.html 29th June 2007 Although credit cards are generally used for purchasing goods in shops and online, they can also provide you with the same services as an ATM. If you are short of money and a credit card cannot be used, then you can use your credit card to withdraw money ... http://www.financealley.com/article_177595_19.html 26th June 2007 If you are looking at a credit card, then you might be looking to choose between a variable rate or fixed rate card. Although fixed rate cards are easy to understand, working out whether a variable card is right for you or not can be trickier. If you are ... http://www.financealley.com/article_176571_19.html 19th June 2007 Although credit cards only used to be available from a small number of banks, nowadays you can get credit cards just about anywhere. There are literally thousands of companies and financial institutions supplying credit cards, and so it really does pay to... http://www.financealley.com/article_176077_19.html 18th June 2007 If you don't have a credit card or have one that you don't use very much, you may be asking yourself: "why do I even need a credit card?" Many people are sceptical about the need to have a credit card, even though so many others have more than one. If you... http://www.financealley.com/article_175803_19.html 18th June 2007 If you have a web site that you use for business, then you should think about setting up your site to allow people to pay for things using a credit card. If you can get your head around using credit cards and e-commerce on your web site, then you will att... http://www.financealley.com/article_175194_19.html 16th June 2007 Although credit cards are often associated with individuals, using credit cards within business is also a viable option. If you have a business, then using commercial credit cards could really help you to keep track of spending and improve your business c... http://www.financealley.com/article_175098_19.html 16th June 2007 If you shop online or use online banking, then you might be familiar with HTTPS protocols and the way that they help keep your information safe. However, if you are new to online shopping or banking, then you should know about HTTPS and how to make sure t... http://www.financealley.com/article_174677_19.html 16th June 2007 If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud, which could leave you with a large bill... http://www.financealley.com/article_174620_19.html 15th June 2007 If you are someone who enjoys shopping online but are concerned about the safety of your credit card details, then you should consider getting a virtual credit card. This new type of card is designed specifically for making purchases online, and aims to k... http://www.financealley.com/article_174250_19.html 15th June 2007 Credit card identity theft is on the rise, and if you are not careful you could become a victim and lose hundreds or even thousands of pounds. Your identity is your most precious thing, and if someone gets hold of it they can make it look like you have sp... http://www.financealley.com/article_166760_19.html 30th May 2007 Credit card identity theft is on the rise, and if you are not careful you could become a victim and lose hundreds or even thousands of pounds. Your identity is your most precious thing, and if someone gets hold of it they can make it look like you have sp... http://www.financealley.com/article_166573_19.html 30th May 2007 For some people getting a loan can seem impossible, due to poor credit or other circumstances out of their control. If you are one of those people, then you need not worry because there are ways to improve your circumstances so that you can get the loan t... http://www.financealley.com/article_163617_19.html 23rd May 2007 If you have just gotten a new card with a great rate, you might want to take another look. Although you might have secured 0% for the next 6 months, there are often a range of cleverly disguised fees and penalties to take into account. If you are unaware ... http://www.financealley.com/article_163433_19.html 22nd May 2007 If you have someone special in your life, then it might be time to add an additional cardholder to your account. Whether this is a wife or husband, or even a child, adding an additional cardholder can be advantageous for a number of reasons. If you are un... http://www.financealley.com/article_162991_19.html 22nd May 2007 There are so many types of credit cards around that it can be hard to work out which is the best. However, one type of card that is quite popular is the fixed rate credit card. Fixed rate credit cards give you the peace of mind that your APR will remain t... http://www.financealley.com/article_162821_19.html 21st May 2007 for a credit card but are unsure about which card issuer to choose, here are some tips on how to find the right card issuer for your specific needs. Shop around Whatever type of card issuer you are looking for, you need to shop around to find the be... http://www.financealley.com/article_162110_19.html 21st May 2007 If you have had bad credit in the past, it might seem hard to get a credit card that isn’t more expensive than it’s worth. If you have had bad credit in the past or not, it is important that you avoid sub-prime borrower cards. These cards are very exp... http://www.financealley.com/article_161772_19.html 21st May 2007 Weddings are becoming more and more expensive, with the average UK wedding costing well over £15,000. Each year the cost is rising, and people are spending more and more on their weddings. In order to pay for this very special occasion, you might want to... http://www.financealley.com/article_154254_19.html 02nd May 2007 If you have a credit card and pay an annual fee for the privilege, then perhaps you are paying too much for your card. Although there are some cards that give you a lot of benefits and so an annual fee is worthwhile, for most everyday cards there is no ne... http://www.financealley.com/article_153809_19.html 30th April 2007 If you are someone who pays their credit card balance off in full each month, then you probably don’t need to worry about grace periods. However, if you are someone who does not pay off your balance in full each month, then you need to know about the di... http://www.financealley.com/article_151389_19.html 25th April 2007 Student loans are sometimes not enough to sustain you during university, especially during the tougher times. Even if you have a part-time job as well, there are times when some students need more than they have at the moment. If you are one of these stud... http://www.financealley.com/article_149209_19.html 18th April 2007 If you are running your own business, then you probably know that it can sometimes be hard to find the funding you need to make your business work. If this is the case, then you might have thought about taking out a business loan. Although some people thi... http://www.financealley.com/article_148770_19.html 18th April 2007 If you have a credit card, then it is likely that you were offered or took out payment protection on the card. Although many people take out this insurance, there are few people who can benefit from it, and often you are just wasting money by having it. H... http://www.financealley.com/article_148440_19.html 18th April 2007 It is so easy to get heavily into debt on credit cards that you within a few months or even weeks you could find yourself not being able to keep up with the repayments. If this is the case, then you should think about consolidating your credit card debt. ... http://www.financealley.com/article_146278_19.html 10th April 2007 There are many different types of credit cards around today, with all sorts of different incentives and features. One of the main categories of credit cards that are trying to get people’s attention are reward cards. These cards offer you something in r... http://www.financealley.com/article_146180_19.html 10th April 2007