More people seeking debt advice

The number of people seeking advice from The UK Insolvency Helpline Debt Help Service about how to manage their debts has increased by 50% in the last 12 months. The UK Insolvency Helpline is the UK’s largest insolvency specialist offering free, independent and impartial debt advice and debt help to everyone, without obligation to help resolve their debt problems

The debt advice service said, since 2008, it had been contacted by more than 500,000 new callers in England and Wales with serious debt problems. The number had increased sharply in the past few months thanks to the worsening credit crunch.

Most of us at some time in our lives have been in debt. No matter how bad your debts are, you do have options and choices. The UK Insolvency Helpline’s team of trusted and experienced debt experts can help you find the right debt solution to resolve your debt problems.

The trained debt advice team will listen carefully, review your debts and advise you on all of the options available to help you consolidate your debts. Then will we recommend the solution that best suits your individual needs. The worst thing you can do is to ignore the problem - it won't just go away.

How to deal with debt

• Remortgage
• IVA – Individual Voluntary Arrangement which can write off up to 60% of debts.
• Debt Management Plan
• Informal arrangement with your creditors
• Bankruptcy
• Doing nothing. This is effectively waiting for bankruptcy. Ignoring your debt problem can only make it worse.

Learn Forex with Forex Face

I just downloaded a Forex book from a new website called Forex Face. This is basically a growing library of Forex information and resources. I reckon there are a good few hundred articles written by top Forex traders. I was there reading for a couple of hours the other night and already i feel like an expert!

At ForexFace they encourage participation and interaction between new traders. As such they have also provided a Forex social forum on the Ning network where you can join and chat to learn more and find some cool hints and tips.

Learn a Language Online

Thinking of earning some money or working abroad? if so, you need to think about learning the basics of the local language. To be able to order food and travel with confidence is essential if your building a new life overseas.

Now you dont need to go to a real classroom and pay high fees to learn a new language, learning a language online is easy with virtual classrooms and well planned lessons (private or group)

Live Language School technology incorporates state of the art interactive features including; shared whiteboard, games & quizes.

Life Insurance Quotes

Cool online service for finding the most competitive life insurance. AdvantageQuotes agreggates all the leading insurance services so you can search and compare providers in one place.

Many of my clients saved over 30% by consolidating all life insurance and other household insurances to one provider.

With a good online service you can make it easy to quickly compare the costs and features of the top life insurance products! and as the same time benefit with huge savings of up to 70%.

Facebook Application Developer

Facebook, MySpace, LinkedIn and the almost endless list of Social Networks have opened a new source of both income and expenditure. Social Media Optimization has become the latest buzz word in the internet for grabbing peoples attention and spending power.

Now you can buy gifts, make recommendations to friends and even track your finances from within Facebook et al. SMO as it has become known is on the verge of revolutionizing the way we interact with our friends, work colleagues and consumer trends.

Watch out for this emerging technology as it can really make a difference to your life.

Social Media Optimization SMO

The Internet has not stopped evolving since its inception in the early 90's and with each development the speed of advance has increased. The advent of Social Networks and now SMO arrived in 2006 though between May 07 & Nov 07 we have seen a literal explosion in consumer use and adoption.

Today we have no time to 'wait and see'. Developement & Marketing can now be completed in a little over a month giving the confidence to bring you to market in a timely & strategically effective manner. Facebook SMO developers can make money for financial companies while giving consumers a fresh route to maintaining budgets and accounts.

Finance companies can now take advantage of social media optimization by developing facebook applications for new and existing users to track their finances.

Gadgets can save you Money

WidgetBucks - Trend Watch - WidgetBucks.com

My best calculator

The new HP 50g Graphing Calculator is one of the best calculators providing great power, flexibility and connectivity for all needs of financial professionals. The calculator features a an SD card slot, 2.5 MB total memory, RS232 and fast USB connectivity, a large, high-contrast display clearly shows every important part of a formula, calculation, or graph.

The 50g boasts expansive memory, thanks to an SD card slot. The system gives more capabilities than in previous or competitor models. Compact, portable, and simple to operate, the 50g features a 30 percent increase in usable space over the HP 49g, and handles complex computations with ease.

I've used many calculators over the years and to be honest when i'm at my desk i use the windows calc or formulas in excel of Sage... but when i'm on the road thi is my best calculator by a long shot

Check out the full range at http://wize.com/calculators

Northern Rock - Sinks like a Rock

Northern Rock, the poorly performing and scandle ridden building society / bank may be sent a lifeline. The large US private equity firm JC Flowers Co. has announced (last Friday) that it may be interested in taking over Northern Rock PLC this possible takeover would include a new management team for the British mortgage lender.

Last week, British Chancellor 'Alistair Darling' said the bank had only "a matter of weeks and months" to sort out its future

Northern Rock's analysts warned the North-East economy could take a £200m hit if the lender was officially bankrupted and closed.

New Consumer Resource for Credit Searchers

With the number of "bad credit" consumers in the world is growing daily, just as the rate of home loans increases. So when i was searching the web for a site to list as many offers (good & bad), i came accross this simple but obvious website. Its called badcreditoffers.com

Many people are simply trying to get a new fresh start after a poor financial run, credit repair is a good start. though there are a minefield of credit consolidators and insolvency practitioners which can make the problem worse.

I think its a great place to start for consumers to get back on their feet. Rather than applying for the first offer that comes in the mail, our site allows visitors to compare dozens of bad credit offers from major credit and loan providers and find the best offer to fit their needs. And by making payments on time, consumers can rebuild their credit and, perhaps, their financial future.

Compare UK Mortgages

The world of mortgage comparison is a hectic maze littered with obstacles, puddles of dirty mud and crawling insects waiting to bite and infect...

Okay, enough of the drama :-) 2007 has seen a consolidation of sites to compare mortgages with the poor ones sinking and the best rising to the surface. Mform is one of those, recommended to me by 5 of my good friends, they have all the usual features of online mortgage calculators and remortages advice but they have one additional great feature...

With these guys, once you decide on the your ideal mortgage lender, you apply online through their systems, they take the effort out of the chore.

Online Credit Card Merchant

Accepting credit cards is an online minefield. Often the big companies will not accept a small or new business and those that will charge upto 10%.... This Card Processor Merchant offers ways for merchants to accept credit card payments for both online credit card processing, offline retail shops, card processing, and international merchant accounts.

Before you sign with any merchant, always check for Transaction Rates Lower than you've been quoted... shop around and dont be afraid to negotiate.

IVA | Individual Voluntary Arrangements | IVAs | UK Debt and IVA Advice Help

IVA | Individual Voluntary Arrangements | IVAs | UK Debt and IVA Advice Help: "COMPANY DIRECTORS

Is your business in financial trouble? Running a company today can be volatile and it is likely that a number of companies will run into financial difficulty. If you are involved in a company that may be experiencing problems please do not hesitate to contact us now on 0800 074 6918"

Debt Rises in the UK

According to the Council of Mortgage Lenders, 2007 is expected to be a record year with regard to mortgages with an estimated £360 billion to be borrowed. This winds up to be £1 billion loaned every day through banks and building societies in Britain.

If you plan to borrow money for a mortgage or other personal reason (car, holiday, debt consolidation) please please make sensible decisions, i advise to look around for the most competitive offer from range of service providers. Lenders’ website frequently features a loan calculator UK to help borrowers effectively budget personal loan amounts and related interest rates prior to committing to a formal arrangement.

There are several ways to qualify for and find a cheap secured loans in the UK. To qualify for the best rates, borrowers should apply for a loan prior to having late or missing payments on loans or credit cards. Erratic payments will lower the borrower’s credit rating so the ideal time to apply for a debt consolidation loan is before a major financial crisis begins to occur.

Monitor Your Credit Rating

Having problems getting credit cards, or getting accepted for any kind of consumer credit agreement? Its probably time you checked your credit rating.... this is an easier task than you think. It needed cost a fortune and you needn't employ a financial consultant...

Check this site where you can apply for an personal credit report. You can also compare various credit card offers and even make applications. If you are a budding business, you can check out the Business credit cards section. or for students out there, see the student credit cards department.

The important section though is the credit information and repair.

Brits are going to retire in Debt !

A financial expert has revealed that the majority of Brits are happy to accept the fact that they will retire in debt, rather than struggle to pay it off before they turn 65.

Jonathan Said, a senior economist at the Centre for Economics and Business Research, said that although Britons are now aware of the risks of interest rate hikes and the effects of inflation, they still routinely choose to spend beyond their means in order to maintain a good lifestyle.

British Consumer Spending

Consumer spending in Britain rose to a record £1.09 trillion last year, according to the latest figures from market analyst Mintel.

Despite the pressures of rising interest rates, higher fuel costs and an uncertain housing market, Britons' taste for the high life meant that consumer spending on luxuries such as eating out, holidays and clothes increased by nine per cent more in 2006 than in the previous year.

PayDay Loans Explained

Question 1: What exactly is a payday loan?
Answer 1: A payday loan is a small unsecured loan, usually for $100 to $1,000, that is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Question 2: I've heard of payday loans described as numerous different terms. What are the differences?
Answer 2: Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

Question 3: I would like to get a payday loan. How do I receive my cash?
Answer 3: The payday loan / cash advance is wired directly into your bank account, usually within one hour. Most online loan companies take up to 48 hours to send you the cash you need.

Question 4: What is the loan approval process?
Answer 4: Once you have completed a simple the application form, you will often need to fax a blank check, your most recent bank statement, and a recent pay stub. Loan approval takes only minutes from when most companies receive them.

Question 5: have finished the application. When will the money be in my bank account?
Answer 5: Your cash advance wire is sent to your bank for processing within hours of approving the loan, and in most cases the funds will be in your account fast. This means that even if you apply for a payday loan from in the evening, the funds can be in your account as early as the next morning!

Financial Freedom within a month

Once in a while an effective an online Financial Freedom scheme grabs my eye. This one, is just that. A friend of mine emailed me the link with the subject 'this is not spam'.... my first thought, this is spam !

It took a few days to watch the free movie, and then i immediately signed up... it costs nothing to join and already i'm earning a few bucks...and i've not done a thing yet....

I'm saying nothing more, but you should watch this Financial Freedom scheme yourself....

Compare Savings Accounts Online

Rates for savings accounts vary accross banks and bank accounts. Its critical to ensure you check all the offers from your own bank aswell as all the online offers. (remember many online banks do not market via the high street). You can nowawdays get interest rates as high as 6% on savings accounts whilst many of us are only still earning below 1% on our spare cash.

I have come accross a great website that is in early stages but lets you know you can use it to earn better interest rates. This site is simple and easy to use for consumers and is specifically not designed for bankers. The site is all about Savings accounts. Check it out today.