Thursday, August 26, 2010

INSTANT DECISION LOANS ASSIST YOU IN THE FINANCIALLY TESTING TIMES

Most of us are in search of some instant financial assistance being given to us to help us see through the current scenario that sees a dearth of money what with a sudden unfortunate injury or some unexpected repair all popping out of nowhere and eating a huge slice of your monthly salary. This happens more than once and every other month to most of the people.

All the more in these testing times it becomes even more difficult for one to deal with things. This is where an Instant Decision Loan comes to the rescue for one may simply apply for it and depending on if he is suitable or not may get through t he process. But the loans come in various types. There are Instant ‘Payday’ loans that one may apply for in case of some urgent electrical repairs in the house say of around £900.

This is where a Instant Pay Day Loan comes into play that has to be paid off when the next salary arrives. Then again for the ones needing a larger amount of loan may also opt for other traditional Personal Loans.

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Young People in search of a loan no previous credit history, or for that matter, the ones who have had a relatively poor credit history may apply for these loans as well. For there are also Instant Pay Day Loans Providers who might as well pass your loan the very day for as long as you have a steady income and a Bank account.

Thus these Instant Decision Loans have come of great assistance in these times like no other.

Instant decision loan are available for small amounts that you intend to repay instantley. Apply for an instant decision loan online and look for a company that offers a transfer of funds directly to your bank.

Previous Post:Exchange your foreign exchange here at Post Office UK

Wednesday, August 18, 2010

Exchange your foreign exchange here at Post Office UK

Do you have to go to foreign exchange banks in order to get the foreign currency converted? Do you feel cheated when the bank deducts a part of your reserves in the name of transaction charged or pays you at a rate lesser than the current market rate?

Try post office exchange rate services offered by UK Post Office for a change. You will seriously like it. It is very easy to use and very convenient as far as converting foreign currencies into Euro is concerned. There is an online currency rate checker that lets you check the current rates for all other currency in terms of Euro. Foreign exchange conversion was never this easy!

Now you can travel to other countries without worrying about taking foreign currencies. With Post Office UK’s travellers Cheques you can pay anywhere any amount you want, but within the permissible limit on the cheque. These travellers are accepted virtually all over.

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You can get them directly at one of the branches of the post office UK or book them online and they will be delivered at your doorstep, without any shipping or delivering charges. There are no less than 12000 branches of Post Office UK in the country alone. So getting one of these traveller’s cheques is not going to be difficult at all.

So next time you are planning a vacation, don’t forget to take traveller’s cheques by Post Office UK. They come in quite handy.

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Previous Post:HSBC's mortgage market share up by 3%

Wednesday, August 11, 2010

HSBC's mortgage market share up by 3%

HSBC has managed to raise its market share by 3% in the first 6 months of 2010. Recently the bank also announced its ore tax profits that reached the £7 billion mark. This figure has risen by £3.1 billion when compared to the past 6 months.

Mortgage lending in total has risen by 3% after December 31 2009 to £60 billion. The growth of this sector was stagnant for a certain period because of remortgaging as many borrowers wished to continue with their existing lenders. This was mainly because of incentives on low SVR deals.

Most of the new business that the bank got was from its own savings and current account holders. This helped them in a big way in emerging out of losses and capturing the market share. Its loan impairment charges and delinquencies in the mortgage sector also reduced largely in the first 6 months of 2010. HSBC’s delinquency rate for 2 months dropped from 1.4% in December 31 2009 to 1.3% in June 2010.

The bank has also launched a tracker mortgage that tracks at 1.69% more than the base rate of Bank of England. The booking fee costs £99. This rate would be available to customers until August 15, 2010 who have a minimum of 40% equity in their homes. Recently the bank has also introduced a 5 year fixed rate mortgage at 3.95% at a booking fee of £599. The bank claims of accepting 80% of mortgage applications it receives after proper verification.

HSBC is aiming at providing the best of security and competitive rates to its customers that is giving it an edge over other lenders.

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Previous Post:Interest in Travel Insurance surging Amongst Brits

Wednesday, August 4, 2010

Interest in Travel Insurance surging Amongst Brits

As per a research conducted by gocompare.com increasing number of Brits are taking interest in travel insurance. The people who used to take a travel insurance when traveling abroad are becoming more cautious and making sure that their insurer is covering maximum traveling risks. The ones who ignored travel insurance during their travel are applying for one before they travel.

As per the study around 20% of the British travelers are taking high interest in knowing what all risks their insurer covers and what all it ignores. 7% travelers are ready to pay a high price for their travel insurance, provided it gives them the right cover.

As the interest of travelers is increasing in the travel insurance policies a lot of insurers will be worried about selling their services. As the prime focus of travelers is on the coverage they provide and not the cheapest deal. They now want to travel with a high risk covering insurance rather than a cheaper one.

Amidst all this 10% of the travelers are ready to travel with the risks and refuse to buy a travel insurance for themselves.

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After the volcanic ash disruption in UK travelers and travel insurance providers are on a high alert. Travelers are looking out for insurers who give them maximum relief in case any such problem arises in future. The insurers on the other hand are calculating the risks and designing their policies accordingly.

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Previous Post:Brits spend £150m on credit card fees

Tuesday, August 3, 2010

Brits spend £150m on credit card fees

As per the website confused.com, Britons spend around £150 million on late payment credit card charges every year.

The website conducted a research and found out that 1 out of 4 credit card holders pay extra as they fail to pay for a late payment. This accounted to almost 26% of the people. The result also showed that nearly 8.5% or 1 out of 11 people was charged a minimum of 3 times in a year. The average amount each every person paid as late payment charge was £12.

The findings of the research also showed that almost 57% of the credit card holders did not have a direct credit set up. A direct credit set up enables the credit card holders to pay the minimum amount of the repayment automatically. This is highly effective and can save a lot of money and late payment charges of the credit card holder.

Experts say that in times of financial crisis people are paying high amount of money towards their late repayments. If the payments are made on time or the minimum amount required to be paid is paid by having a direct credit set up then a lot of money can be saved and used for other purposes.


Currently the entire nation is wasting £150 million on charges that can be avoided if people are alert. Even if half the people using credit cards take necessary measures, a lot of money can be saved as ultimately it is the credit card companies who are making profits.

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Previous Post: Immediate Cash Loans – Instant Solution for Cash related issues