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Money & Finance

There's lots of independent information and advice on the web to help you make the right decisions to give your money a lift. Whether you're looking to borrow or save, it pays to shop around to get the best deal.

Below are a few handy sites which may be helpful.

Your Money Guide - Compare a range of personal finance products including credit cards, personal loans, current accounts and savings.

Credit Cards

Spending on plastic has risen dramatically in the past few years as credit cards have become a useful and convenient way to pay for goods and services. However it's important to make sure you're not paying excessive interest charges or missing out on a better deal. Visit creditsearcher.co.uk for a simple, clear and straightforward summary of the best credit card deals, locate low interest credit cards, see who offers the longest interest free introductory deals, highest cashback or most attractive loyalty or reward scheme.

Mortgages

Whether you're a first time buyer, moving house or remortgaging, finding the best mortgages can be time consuming and confusing.  It certainly pays to shop around for the best mortgage deals as there is so much choice with over 8,000 different products from over 150 different lenders. Whether you're interested in a fixed rate, self cert or have poor credit, a specialist advisor can scour the whole market to locate the most suitable products for you, ensuring you get the best rates.

Being self employed can make it difficult to get a mortgage. However a number of specialist lenders in the UK offer self employed mortgages without the need to provide proof of income.

Loans

Whether you want a loan to consolidate outstanding debts, to buy a new car, go on holiday, or are planning to get married, make sure you get the best rate on secured or unsecured personal loans. Interest rates on personal loans have fallen considerably in recent years with the market leading products around 6% APR. Visit BestUKLoans.com to check out the latest personal loan rates.

If you are a council, housing association, Ministry of Defence or a private tenant visit A1 Tenant Loans for details of companies who can provide you with finance.

Car Credit

If you suffer with a bad credit rating and want a new car, fortunately there are a number of lenders who provide bad credit car finance at sensible rates of interest. Some companies enable you to select the car you want from the dealer of your choice and they simply provide the finance, while others offer a complete service by providing finance on a car you select from one of their showrooms.

Investments

Equitylink publish two excellent independent monthly newsletters that alert you to outstanding opportunities amongst lesser-known growth stocks, Small Company Sharewatch and shares that are showing relative strength against the market, Momentum Investor.

Insurance

Rather than accepting your insurers' renewal quote each year, you should shop around and get quotes from a few providers as this is a simple way to save some money. Visit Insurance Beaters to get quotes for cheap car insurance premiums, home and contents insurance and travel insurance.

Debt

If you have debts of £15,000 or more and are struggling with repayments, an IVA might provide a way out of debt. Individual Voluntary Arrangements were introduced by the Government in 1986 as an alternative to bankruptcy. According to accountants KPMG, 1.4bn of bad debts were written off in 2006 as a result of people entering into an Individual Voluntary Arrangement (IVA).

 

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Copyright © Jolyon Ralph and Ida Chau 1993-2014. Site Map. Locality, mineral & photograph data are the copyright of the individuals who submitted them. Site hosted & developed by Jolyon Ralph. Mindat.org is an online information resource dedicated to providing free mineralogical information to all. Mindat relies on the contributions of thousands of members and supporters. Mindat does not offer minerals for sale. If you would like to add information to improve the quality of our database, then click here to register.
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