An estimated figure for the number of regular cannabis (pot) users in the UK in 2010 was approximately 4 million. (6.6% of the population). http://en.wikipedia.org/wiki/Annual_cannabis_use_by_country  Other sources put the figure closer to 10 million. Television documentaries suggest these regular users span all walks of life and all ages. It is probable that many are also homeowners [...]

Advances in technology have led to pacemakers being developed that are extremely reliable and robust. As a result of this a number of life insurance companies (but not all of them) are more than happy to consider offering cover on ‘standard rates’ to people who have them fitted which means no price increase. The main [...]

In the current economic climate, household and personal debt pressures can be overwhelming. Credit Action reports show that average household debts (including mortgages) add up to £53,786, a sum which the majority of people are able to repay. However, those in serious financial difficulty can find themselves unable to stay on top of debt repayments [...]

In certain circumstances a history of hepatitis may have no impact on the availability of life insurance or critical illness cover. In other circumstances it could rule out the possibility of any kind of cover whatsoever. To find out what options are available get in touch with a broker who specialises in life insurance with [...]

We all know that we should be saving for a rainy day, but what are the benefits of investing over simply saving? Do you know when the best time to start investing is or what’s a good investment opportunity? Here is a look at whether it’s a good idea to stop just saving and start [...]

Getting into debt is something that is all too easy to do. With the easy availability of store credit and credit cards people can soon end up spending more than they can afford. The trouble is that if you fail to make the minimum monthly payments, your debts begin to spiral out of control as [...]

Increasing numbers of people experienced financial difficulties in recent years. This can be for all manner of reasons, from being made redundant to simply taking on more debt than they can afford to pay back. If you have suddenly found yourself being turned down for loans and credit cards it could be that you have [...]

The mortgage market is rarely stable for a long period of time, so it is always helpful to be a step ahead if you are planning on taking out a mortgage. With this in mind, any mortgage application should be carefully researched and it is always helpful to know what is happening when it comes [...]

If you find yourself stuck with high balances on credit cards with high interest rates, locating an appropriate balance transfer card can be the solution to save you hundreds of pounds a year. With so many organizations offering introductory 0% APR for balance transfers for up to and over a 12 month period, transferring balances [...]

Times continue to be tough in the UK. Austerity measures introduced by the government are continuing to bite, there are no end of problems with the Euro and it’s members, unemployment is high and to top it all of it’s rapidly approaching Christmas… the most expensive time of year! With all these problems, it’s no [...]

We partner with small reputable insurance advisers to give you access to a friendly, helpful, personal service. Enquire below by clicking the arrow or call the number above to get in touch with someone who can help. Getting the right insurance is better than getting the cheapest deal. Economic times are hard and everybody wants [...]

“If you own your home then you may be accepted for a secured homeowner loan. Even if you have a bad credit rating, do not fear as most lenders will still offer you a loan for up to 85% of the value of your home for a maximum of 35 years. Great news! Or not? [...]

Subscription-only website Dividend Income Investor.com has launched today as a follow up to Early Retirement Investor.com and in response to a specific request via their e-newsletter Dividend Alerts. Steven Dotsch, founder and managing editor of EMAR Publishers, says “In November last year, a subscriber of our e-newsletter Dividend Alerts challenged us to back up our [...]

Nearly everywhere you look these days, the probability is high that you will either see or hear a promotional ad for currency trading. The Internet is inundated with them, and even a few brokers have gone so far as to buy time on national television networks. Retail forex trading has arrived, so to speak, and [...]

Maintenance payments provide essential financial support and can sometimes be the only source of income that is available to cater for the welfare of a young child or children. Because the payments come from an individual they depend on the individual being able to maintain the payments. Unfortunately, circumstances can lead to the individual being [...]

Financial solutions company Think Money has welcomed new figures from the Accountant in Bankruptcy (AiB) which show a fall in the number of insolvencies in the second quarter of the financial year. The company said that this could reflect improving fortunes for borrowers, but added that the figures should also come as a reminder that [...]

Certain things can cause problems when looking for life insurance and usually these are things that can have an affect on someone’s life either now or in the future. Because high cholesterol can cause health problems in later life it is important to understand the risks and consult a doctor if there are any concerns. [...]

If you have debts that you simply can’t afford to repay, one option is an IVA (Individual Voluntary Arrangement). This is a formal agreement with your lenders in which you’ll repay as much of your debts as possible for an agreed period of time, after which your remaining debt will be written off. Your payments [...]

Armed forces personnel may be under the impression their life insurance will cost more compared to a 9 – 5 office worker. This is not necessarily the case. Another popular misconception is that only specialist insurers can provide life insurance cover for armed forces personnel. In actual fact, the majority of military personnel could find [...]

In some cases it can be useful to obtain life insurance without the need for a Doctor’s report. The main reason is usually speed of acceptance because the cover needs to be in place quickly and if a report is requested it can delay the application process for several days or even weeks. One example might be [...]