How To Get My Home Valued For Free
When you decide to sell your house the price it is valued at is obviously hugely important. Traditionally this is carried out by an estate agent who takes various factors into consideration including location, number of rooms, condition, parking, garden, local amenities and transport links. In general, most home owners ask a range of estate agents with the hope of getting an average from 3 to 5 different house estimations. However, in the 21st century and of course due to the rise of the internet, house valuations are increasingly being carried out by homeowners themselves in the hope of saving costly administrative fees associated with an estate read more »
Are Premium Bonds Worth It?
Many buy premium bonds and rarely fully understand the benefits and use of them. This guide will detail what a bond is and whether they are worth purchasing.
What is a premium bond?
A premium bond is effectively a savings account from the National Savings and Investments into which you can deposit between £100 and £30,000. What makes them different is that instead of earning interest your premium bonds are entered into a monthly prize draw with the chance of winning a range of prizes ranging between £25 and £1 million.
How do the bonds work?
If you open a premium bond account you will receive the same amount of bonds you give over read more »
A Cost Guide to Foreign Exchange
Once you have prepared for your holiday the next important thing is to ensure you have your money changed into the correct currency. There are many options including cash, traveller’s cheques, credit cards and pre paid cards to choose from depending on what type of holiday you are heading on and where you are going in the world. Depending on what country you are heading to local post offices or travel agents may have your money in store and ready to exchange, if you are heading further afield then your operator may have to order them – bearing this is in mind please give some time to order less common currency. Some countries may also give read more »
A Guide to Catering Van Insurance
Catering is an ever-growing industry with Catering Vans popping up in car parks, theme parks and outside nightclubs. With the convenience of moving your business to a better location it is no wonder.
Getting your Catering Van up and running can be a trying and complex procedure. With many hurdles to jump over including public liability insurance and food and safety certificates, finding catering van insurance needs to be straightforward and comprehensive.
When your vehicle is your business you need to make sure you’re getting the right insurance for you. There are many different kinds of insurance out there so be sure to know what read more »
A Cost Guide on How to Check Your Credit Rating
Credit ratings are very important for adults looking for a loan, mortgage or to lend some cash for a car. They also indicate important financial matters like mortgages, county court judgements and bankruptcies. Most do not know their credit rating and are often stuck as how to get it. The UK’s credit rating is determined by 3 main companies and these companies will be who your loan provider goes to check your credit rating.
For that reason it is important to ensure that your credit rating is up to date and correct. Old paid off loans and any incorrect data needs to be removed as this could affect your credit rating in a negative way.
So read more »
Guide to Landlord Insurance
Investing in a property to rent out is an effective and relatively simple way of making extra money, if all goes to plan. It is a costly investment, but the return you see can be substantial, if you have tenants that are easy and comply with you. Unfortunately, this is not always the case, and it is highly recommended to protect against all eventualities.
After investing thousands of pounds within a property, you want to be sure that should anything happen to the building or the tenants you’ll be adequately covered. When renting out a property, you are effectively intrusting your investment in somebody else, which can be a nerve wracking read more »
Exotic Pet Insurance: Everything You Need to Know
Exotic pets are having something of a popularity boom in the UK at the moment. No longer content with your average cat or dog, people are looking into caring for all kinds of animals from Boa Constrictors to Bald Eagles. Naturally if you have a pet that is rare or unusual, your pet insurance needs will reflect a unique set of specifications.
Who needs it?
Exotic pet insurance is useful for those with all types of exotic pets, whether bird, mammal or reptile. Owners are provided with financial assistance should their animal fall ill, get lost or stolen. Some pets that fall under the category of exotic include parrot, tortoise, terrapins, read more »
Guide to Contents Insurance for Tenants
With the property ladder almost impossible to get onto these days and banks requesting 10-20% loans from first time buyers, owning a home is becoming a distant dream for many. This has seen an increasing numbers of people renting properties instead.
Unlike when you own a home, buildings insurance isn’t needed when renting a property as this is the landlord’s responsibility. However, contents often aren’t covered, meaning you’ll need tenants insurance to protect your belongings.
Tenants insurance is designed to protect renters from any damage to their personal items while living at the property. It is essential for financial and read more »
Guide to Life Insurance Policies
Nobody wants to think about the possibility of dying, especially prematurely when they have a mortgage and dependents to support. The sad fact is that twenty-nine children will lose a parent before they’ve finished full-time education, so it is important to make sure they have the best possible support if you’re no longer around.
The EU gender directive means that insurers can no longer determine insurance premium prices based on the sex of a person and has meant many have had to change the way they work out their policies. This has affected health insurance, car insurance and life insurance among other policies.
There are three main read more »
Insurance Laws – A cost guide to what you need to know
Any vehicle driven on Britain’s road’s need to be covered by third party insurance as a minimum. This includes all cars, vans, motorbikes, motor-homes and trucks even if they are not going to be driven on UK roads on an everyday basis.
Responsibility for insuring and taxing a vehicle lies with the owner and you will face fines if you do not meet basic requirements, this could be a minimum of £100 up to a maximum of £1,000 or even a court prosecution.
So do I need insurance?
If you are the registered keeper of a motor vehicle - even if it’s unused and only leaves the drive at certain times of the year, you will still need to read more »
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