5 Tips to Attack Credit Card Debt Video
December 20, 2009
Video Summary – (beware of the Poor sound quality)
5 Tips to Attack Credit Card Debt
1. Find out WHO you owe – Collect your statements
2. List out how MUCH you owe – Gather all your bank statements and add up your total debt
3. Create your Budget - Try a free online budget at moneysavingexpert.com
4. Choose the Right program – freedebtexam.com
5. Choose the Right company – debt-professor.com
Interest Only Mortgage Tips Video
December 14, 2009
Interest Only Mortgage Tips Video Summary
Interest-only mortgages are loans that only require the interest be paid every month. These are good loans for quickly rising property values. Decide if an interest-only loan is a good form of investment withtips and advice from an experienced financial adviser in this free video.
General Insurance Tips Video
November 22, 2009
General Insurance Tips Video Summary
General rule – *** Protect against big ticket items like property or auto ***
Property insurance – most people underinsure their building value and vaulables. Review and update yearly
auto insurance – raise auto insurance deduction
insurance dont need – credit card loss protection
Loan Tips Video for Borrowers
November 17, 2009
What should you consider when getting a mortgage loan? The mortgage loan should fit your needs and lifestyle and allow you to sleep at night.
Ten Travel Insurance Top Tips
November 17, 2009
Always consider a family policy.
Quite often you will find that you save money overall, and most of the policies will let the people covered travel individually as well. One thing that should be checked, though, is that children under 18 travelling on their own may not be covered.
Increase your excess to reduce your premium.
Statistically, you are unlikely to claim upon your travel insurance, and while we do not advocate travelling without it, you can reduce your overall premium by increasing the excess payable – you can make some quite big savings doing this, but make sure you can cover the payment should you need to!
Get an excess Waiver
If you’ve just got that sinking feeling before you leave, and you think you might have to claim on your cover, an excess waiver can be added to most policies for around £20, meaning you won’t have to pay your excess should a claim be made.
Think ahead.
Many companies will sell you a multi-trip policy that will cover you, for a set period of time (12 months is standard). If you make three or more trips in that period you will often save large amounts of money, or if you book a lot of last minute trips, it is good to know that you are covered from the outset.
Don’t skimp on medical cover.
Don’t even waste your time looking for policies with under £1m of medical cover – outside Europe you should be looking at over £2m of cover – Being ill in another country can work out to be very expensive if the worst comes to the worst. Also, don’t forget that a European Health Insurance Card (EHIC) isn’t necessarily a complete alternative.
Ditch the things you don’t need.
It’s always worth checking what is covered by your bank or credit card provider. Quite often you will find that your luggage and/or personal belongings are covered by one of the organisations listed above, and opting out of these extras can save you nearly 90%.
Check what is and isn’t covered.
Want to go scuba diving while you’re away? Or skiing? These, and many other, activities are quite often not included in standard travel insurance policies, as they are classed as “Hazardous Pastimes”. Often an additional premium is payable to include these (And similar) activities.
Make sure you read your policy details carefully.
Some policies can have an upper age limit as low as 40; if you turn 41 while on your trip and you need to make a claim, you will find that the policy will often not pay out. As soon as you receive your documents, read through every section and ensure you understand it all – any problems or questions, do not hesitate to contact your provider.
Always declare pre-existing medical conditions.
As tempting as it is to not mention an existing medical problem in order to keep the price of your policy down, the last thing you want is to be affected by that condition while you’re away, as by not declaring it you invalidate your policy.
Shop around.
Using the advice given above, you should be able to decrease the cost of your cover considerably, however it’s always best to compare travel insurance policies to make sure you’re getting the best (and cheapest) possible cover.
10 Tips to Get Your Best Car Insurance Quotes
November 8, 2009
Spending on car insurance should be a wise decision and before you actually commence your job forward, you need to search for affordable car insurance free online quotes available at many websites.
How To Get Cheaper Car Insurance Tips Video
November 1, 2009
Tired of paying too high rates for your car insurance? Get some tips to help reduce your auto insurance premium. Save money with lower car insurance premiums.
How to Consolidate Credit Card Debt
November 1, 2009
Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance transfers, with advice from acertified public accountant and credit counselor in this free video on debt management.
Car Insurance Tips Video for Teenagers
October 25, 2009
The easiest way to get car insurance for teenagers is to add them to their parent’s policy, but remember that sport cars can be very expensive to insure in this age bracket. Find out the most inexpensive way to insure a teenage driver in thisfree video on financial planning from a licensed insurance agent.
Tips for rewards cards Video
October 18, 2009
Making the most of your rewards cards can be a complicated thing. Helpful tips on how best to handle those rewards credit cards.
