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Archive for the ‘General’ Category

Few things compare with the stress of trying to secure a mortgage for your first home. Getting on the property ladder is a tricky prospect and people often approach the subject in a negative light because they have experience such a struggle themselves.

The problem can be even more daunting if you are a contractor. Working as a contractor obviously means that you don’t have the same contractual circumstances in employment as those who have permanent positions within a company. Some mortgage lenders look on this issue unfavourably and a lot of contractors find it hard to secure the mortgage they need to buy their first house.

This acts as a real kick in the teeth because contractors are not such a risky bet for lenders. However, lenders are more likely to be cautious nowadays because of the financial downturn. The best thing for those who require contractor mortgages to do is to actually turn to a company that offers mortgages for contractors as a speciality.

This way you have a greater chance of getting the mortgage you need so that you can take that first step towards owning your own home. Special contractor mortgages are designed to fit your professional profile, making it easier to get accepted.

Playing the lottery has all sorts of great advantages. If you’re new to the idea of playing the lottery then it’s very easy to find out how to play. The majority of lottery games are really simple and they tend to be based on guessing a few numbers that with a little luck will appear in a random draw later on.

Perhaps the most appealing thing about the lottery in its current form is the fact that there are so many different games you can get involved in. Once upon a time, the main Lotto draw was the only one you could play, but now there are instant win games and the Euromillions.

The Euromillions and the main Lotto draw actually happen twice a week, which means that you’ve got four chances to win some fantastic cash prizes over the course of each week. Some recent jackpots on the Euromillions have added up to over 100m so there is ample incentive to get involved in this game in particular!

It also helps that the lottery is so much more accessible nowadays than in the past. It was once the case that you could only enjoy the lottery if you bought a paper ticket from a local shop or supermarket. Of course, nowadays people play the lottery online as well.

This is advantageous in a couple of different ways. For starters, it means you can log on and buy your ticket at a time and place to suit you. However, it is also means that your precious ticket is backed up online in case you win a prize!

Playing the lottery online is good fun because it allows you to explore other opportunities to win money. So if you could do with an extra bit of cash or you want to put yourself in with a chance of winning millions, now is definitely the time to start familiarising yourself with the games out there.

Looking for information, tips, advice or just to see if you have won the Florida Lottery visit the www.alottery.com web site.

Fuel prices are soaring again with Scottish Power announcing a 19% increase on Gas and 10% on electric which will add nearly £200 to the bills.

The move is sure to be followed by rivals and this adds to the reports that food is rising at a fast rate as well.

A study by the Institute of Fiscal Studies today reveals many of the country’s poorest pensioners already face a nightmare choice between heating and eating.

We are in a Recession at the moment and companies seem to putting the prices up and up, i wonder how many people will be homeless this time next year??

If you’re in urgent need of some extra cash, the online gaming site Tombola Bingo could lend a helping hand. The site is giving away a cash prize of £70,000 which, if you win it, you can put towards paying off your debts, starting a new business, buying a new house or car or heading off on the holiday of a lifetime – the choice is yours.

If you sign up at Tombola Bingo today, you will be able to join in The Big Link Week which runs until Sunday 15th May. There isn’t much time left in which to play, but there are still thousands of pounds left in Tombola’s piggy bank.

Prizes

Every night during The Big Link Week a total of £10,000 will be given away in the Bingo 90 room. This means that there is £2,000 in Full House links to be won every 30 minutes! So, make sure you join in the fun and win some cash (fingers crossed!) by playing at Tombola Bingo every night this week from 8pm until 10pm.

If for some reason you miss The Big Link Week at Tombola Bingo, you can find details of other exciting cash prize giveaways by taking a look at ohmybingo.com.

If you do manage to get on the property market and you have your new home – please make sure you get all the correct surveys done – even if they seem like a lot of money – they could save you an absolute fortune in the long run.

A friend of mine has recently bought a house and skimped on the survey and now regrets it. They have a swimming pool under the house,as they didn’t realise it was built on a spring, and they have squirrels living in the roof. Fortunate for them they have people they know to help out to mend everything and to carry out much of the work. If they had to pay people to do it for them money would certainly be an issue and basically they would be struggling to pay the bills.

It’s not only the younger generation who are affected by the price of houses going up and being unable to get a mortgage, it the self employed too.

My friend has recently split up from his wife, given her the majority of the money from the family home so she could set up a new home for herself and their 2 sons.

He is self employed and the business is doing OK. It has struggled a bit this year as most companies have. For the last year he’s rented but now is in a position to be able to make some money by carrying out some property development. On a visit to a mortgage lender he then found out that as he’s self employed they no longer lend to people who have built up their own businesses! So he’s back to square one and will just have to rent for the foreseeable future!

Figures by Nationwide showed that since September, house prices have dropped in value by more than an average annual salary.

Britain’s biggest building society said the average price of a home dropped 0.7 per cent this month, the equivalent of £2,376 in a month which now brings the typical price of a house from £166,757 in September to £164,381 in October.

There are a larger quantity of properties for sale and with no-one to buy them. This goes back to my previous post – First Time buyers cannot afford to get on the property ladder! No-one can afford to buy at the current prices so the value to having to be reduced so homeowners can sell and move on.

I started work at 16 and as soon as I received my first pay cheque I opened a savings account. My salary wasn’t very big and I still lived at home – obviously but over the following 10 years I had enough money for a deposit for a house. I was fortunate, I didn’t accumulate any student debts as I didn’t go to University and had parents who let me stay at home until I flew the next to get married – I was still only 26 though.

Theses days young people are stuck in the rut of renting. They have debts from Uni which will take years to pay off and as the recession has hit us hard over the last year or so, Mortgage lenders have upped the First Time Buyer criteria. Meaning that you need a huge deposit to buy a house.

You can’t stay at home for ever, so you have to rent. My parents and their friends alike are of the opinion that this is ‘dead’ money. But is it – it all depends on your own personal circumstances and at least it allows you to move around when you need to.

When purchasing van insurance, it is vital that you get a policy that’s appropriate for you and your vehicle.

The cost of a policy will vary considerably, depending on a number of factors. Chief among these is the type of vehicle and its age. The insurer will also consider your record as a driver.

However, where van insurance may differ from conventional car insurance is in the fact that the purpose of the van will be taken into consideration. Vans are commercial vehicles and as such can have varied uses. If you regularly carry valuable goods, your vehicle may be considered more of a target for thieves and if it is broken into, you will need cover for a greater value of goods.

Correctly chosen, your van insurance policy can offer you a good deal of financial protection and can ease your worries to a great extent as well. However, this does not mean that you can take less care with the security of your vehicle. While the policy may cover your tools and the value of the vehicle itself, it is unlikely to cover you for any loss of earnings that you might experience if your vehicle is taken or damaged.

It has been reported that Music festivals that do not accept cash payments are heading for the UK next summer.
Revellers attending some UK festivals next summer will be asked to pay electronically for items such as food, drink and t-shirts.
Such payments will be made by using special wristbands which will also double as your entry ticket. The wristbands can be pre-loaded with money before the event.
Barclaycard, which sponsors the Wireless Festival, has said that it hopes next years concert will be cash free.
However, the BBC has stated that none of the festival promoters they contacted would confirm that these devices will be used.