Www Moneyexpert Articles

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Unsecured Personal Loan vs. Secured Homeowner Loan
Whenever you begin the search for how to finance a big change in your life - be it a new car, home improvements or even to consolidate all your existing debts, the chances are you'll come to a crossroads: do you want a secured homeowner loan or an unsecured personal loan?Both have their merits but both have drawbacks too so you have to choose carefully. Cost is a big consideration and there are differences between the two types of loan that will make your choice easier.How secured homeowner loans work - and how much they costSecured homeowner loans are the most popular way to borrow lots...

Credit Card Fees. The Credit Card Companies Strike Back
Spending on plastic has never been more popular as more and more rely on cards instead of cash. Indeed experts believe carrying cash could soon become a thing of the past. High Street spending on debit cards outstripped cash for the first time in 2005 according to Precious Plastic 2007, the latest study of the UK consumer credit market from accountants PricewaterhouseCoopers.Our reliance on cards comes at a price though. The PwC research also revealed that credit card firms are feeling the pinch and their profits continued to this year as the industry came under unprecedented scrutiny from w...

Finding Your Way Through The Mortgage Maze
With more than 6,000 different mortgages on offer from around 130 lenders you could be forgiven for giving up and just accepting the first offer you get.But it pays to research when taking out a mortgage and that basic advice applies whether you are a first-time buyer starting out on the property ladder or whether you already have a mortgage and are looking for a new deal.On a £100,000 mortgage you can save up to £1,300 a year by picking the best-value mortgage compared with the most expensive. That's a handy £108 a month in your pocket.However it's not the case that al...

With Credit Cards Hitting Hardest, UK Consumers Tax Themselves With Penalty Charges On Personal Finance Options
A rise in costs for users of any financial service usually results in public outcry, why is it then that so many of those same consumers allow penalty fees and charges to accrue on their credit cards, when the problem could so easily be avoided?The financial groups Defaqto and MoneyExpert have released a report in which the startling figure that one in five consumers have had to pay just such a charge, and while credit cards were the worst offender, a number of different personal finance services also incurred unnecessary charges. These services included charges for simple personal finance e...

Zeroing In On 0% Balance Transfer Credit Cards
Have you lost count of the number of credit cards you hold? Is your doormat covered each morning in envelopes from companies you have lost track of?Then you need to look at putting all your credit card debts in one place. If you can transfer your debt to one credit card offering a 0% rate of interest for an introductory period, then even better.Rest assured that if this sounds familiar, you are not alone. Anyone with a half decent credit history receives numerous invitations to become what is often called a 'rate tart' - transferring balances between cards to take advantage of lower rates ...

Credit Card Shopping Online. How To Stay Safe And What To Do If It All Goes Wrong
For that perfect gift, many of us will turn to the internet and our credit card for shopping at ChristmasAnd who can blame us, rather than taking a freezing stroll down the high street, web shopping is easy - and warm!But before you tap your card details into your PC, think about how safe this is. A great looking website does not always mean a great deal. Anyone can set up a website so be careful when you shop online, especially if you're new to it.Safe sites have padlocksOnline nasties prey on first time users so think before you buy. Try to use companies you have heard of or which a ...

What's The Price Of Your Life And How Much Life Insurance To You Really Need?
What's the price of your life?You may have decided that life insurance (assurance) is the best way to protect your family's future. But getting the lowest possible insurance premium, taking into account the right length of term and benefit amount, is not an easy process.Premiums with life insurance quotes can vary enormously in some instances so it is worth shopping around.Do I take term or whole life insurance cover?There are two basic options when shopping for life insurance which is a term or permanent policy with term life covering you for a specific period and permanent covering y...

Credit Scores Explained
Research has recently suggested that consumers who apply for loans and other forms of credit too often through comparison websites may risk damaging their credit rating.It is estimated that 8.7 million people have bought financial products such as loans, credit cards and insurance through using comparison websites over the past year.However, research shows that the sites could be leading consumers to adversely affect their credit rating as many of the comparison, or aggregator, sites concentrate on price rather than quality of service or suitability of a product.As a result, consumers ar...

Credit Card Small Print Can Hide Hundreds Of Pounds In Benefits
We're often told that credit cards are only good for one thing - zero per cent deals and cheap borrowing. You could be forgiven for thinking that the only thing that matters in a credit card is the headline rate and the length of 0% balance transferBut there's more to credit cards than meets the eye, and if you've got a handle on your finances and are looking for something more than a way to manage costs through the month, then credit cards are a good place to start. Some of the best credit cards on offer will provide you with free insurance, discounts on restaurants, cashback and even money...

Cashing In On Your Credit Card For Christmas?
'Tis the season to be jolly - and Christmas usually means spending more than you'd like to. If you're finding your cash is spending even less time in your wallet than usual, it can be hard to resist the urge to turn to the credit card at Christmas for a little light relief.Using your credit card to take out cash is tempting but can also be horrendously expensive.If you think you'll need more cash than usual at this time of year, don't be surprised if you're hit for six by the high costs. MoneyExpert.com reveals how to keep costs to a minimum and still enjoy the festive period.So what mak...

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