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The Best Cashback Credit Cards 2024
Cashback Credit Cards Cashback credit cards have become an increasingly popular tool for consumers looking to maximise the value of their everyday purchases. These credit cards offer a simple yet effective reward system: a percentage of your spending is returned to you in the form of cash, which can be applied as a statement credit, […]
Best Credit Cards for Travel Rewards 2024
Best Credit Cards for Travel Rewards Choosing the right credit card with travel rewards can be a valuable tool for frequent travellers, offering benefits like air miles, discounts on flights, and hotel stays. However, it’s essential to evaluate the rewards program and associated costs to ensure the card aligns with your spending habits and travel […]
Is It Worth Having a Rewards Credit Card?
Should I have a Rewards credit card? Rewards credit cards can be an enticing option for consumers, offering various perks that range from travel discounts to cashback and retail rewards. But are they really worth it? To answer that question, let’s explore the different types of rewards available and weigh the pros and cons. […]
Do I have a credit score without having a credit card?
Building a good credit score is essential for accessing favourable financial opportunities, such as loans and mortgages, in the future. While getting a credit card is a common method to establish and improve your credit score, it’s not the only way. In fact, many people are unknowingly contributing to their credit scores through everyday […]
The Mortgage-to-Salary Ratio
The Mortgage-to-salary ratio When buying a home lender will consider your overall finances including any debt, your credit score, current salary and security before determining how much they are willing to lend. This benchmark is typically set at 4.5 times a borrower’s salary, this ensures that homeowners can manage their repayments without a heavy […]
Understanding the Right to Buy Scheme
Understanding the Right to Buy Scheme The Right to Buy scheme is a government initiative in England and Northern Ireland designed to help secure tenants of council properties and housing association homes purchase their home at a significantly discounted rate. This scheme, similar to the Help to Buy scheme can help those struggling to […]
What Are the Long-Term Financial Implications of Severe Personal Injuries?
After a severe accident, your life can change in an instant. Maybe you were hit by a car while crossing the street, or perhaps a heavy piece of machinery fell on you at work. These types of severe personal injuries can be life-changing, and not just physically – the financial impact can be devastating as […]
What Information Do I Need to Gather Before Initiating an Investigation into Insurance Coverage?
Before initiating an investigation into insurance coverage, gathering comprehensive and accurate information is crucial. This process ensures that you can make informed decisions, evaluate the coverage thoroughly, and address any issues that may arise. When dealing with insurance companies, especially following an injury, it's essential to maintain detailed records of medical treatments, expenses, and communications. […]
How Much Property Damage Car Insurance Should You Have?
Determining how much property damage car insurance you should have is essential for financial security. Experts recommend carrying at least $50,000 in property damage liability coverage. This amount typically covers most average vehicle repairs and other associated costs in the event of an accident. Property damage liability is not just a legal requirement in many […]
