Pensions Guide: State PensionsThe most important financial decisions you're likely to make in your life are those concerning your retirement. To have a secure future with a comfortable standard of living after you've stopped working, you'll need to plan your finances carefully.
Pensions guide: private pensionsIt's now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement.
Government benefits - helping you through injury or illnessIf you're incapacitated for any reason and are unable to work, you may
qualify to receive certain benefits from the government to assist you.
This is one of a series of guides to government benefits, in which
you'll find practical information on the range of benefits that may be
available to you.
An introduction to homeowner loans: the key to cash in your houseThese days it's difficult to get by without some form of financial assistance - most of us have loans, mortgages, credit cards, store cards or other types of debt. Taking out a personal loan is one of the most common and convenient ways in which to borrow money.
Pocket Money: Financial Lesson for KidsIt's an age old problem for parents - how to handle pocket money for their kids. How much should you give them? How often? What should they spend it on? All these questions have troubled parents for generations.
The basic principles of VATVAT (Value Added Tax) is a sales tax, levied on the expenditure of consumer goods and services and business transactions, which is paid by the consumer at the point of purchase and collected by Her Majesty's Revenue and Customs (HMRC). First introduced to the UK in 1973, it is now a major source of revenue for the government.
It's payback time: remortgage to solve your debt problemsPeople in the UK owe more money than ever before. As it becomes easier and easier to borrow, whether in the form of credit cards, loans or countless other personal finance options, we are lured deeper and deeper into the debt trap, often to the point where we face an overwhelming financial burden that we have no means of repaying.
What is a commercial mortgage?A commercial mortgage is similar in principle to a residential mortgage except
it is used to purchase a property or to raise capital for commercial purposes
rather than domestic purposes. As with residential mortgages, the lender
retains rights to the property until the loan is repaid in full.
Budgeting for your Personal FinanceMost of us find ourselves having to part with our hard-earned cash almost on a daily basis to just keep ourselves going. Have you ever thought about exactly what you're spending though? A great deal of people never bother to budget - yet they could find themselves a lot better off by keeping an eye on their income and outgoings.
Mortgages: what products are available?Basic principle of a mortgage is very simple: you borrow money to buy a house and pay back the loan with interest. However, nowadays there are so many products available that it can be mind-boggling. Here's a guide to methods of repayment and interest rates.
Bankruptcy: a concise guideBankruptcy is one method of getting out of debt. It is a court order that transfers responsibility for dealing with creditors to the Official Receiver, who also takes control of the debtor's money and assets and distributes them fairly to all their creditors.
Saving for your child's futureHaving children isn't cheap these days, especially in the long term - the older they get, the more they cost. Higher education prices continue to soar and it's almost impossible to get onto the housing market without having some capital or homeowner loans.
[1] [2]
