December 16th, 2011
I considered I knew almost everything until my mother suggested that I was being twisted off with my insurance policy, I used Permanent Health Insurance, she had the last laugh
My wife and I sat down the on Sunday evening to watch Bergerac and half way through the first advert break there was an advert called Permanent Health Insurance. My wife reached for the remote and paused the television program and asked me was that the insurance that our financial adviser had been discussing with us a few weeks ago. I wasn’t sure, but after the program I checked through the notes of the meeting he had sent and it turned out to be exactly what he’d suggested that we should take out. As I understand it the policy is designed to pay out a proportion of my wages should I be unable to work through illness or injury and following a set time period. We then logged onto the financial comparison websites to see if what he was offering was indeed good value and whether we could get the same type of insurance any cheaper. What I find so surprising is that virtually no one seems to know about or even heard about this type of cover. I have spoken to friends and colleagues at work and no one has heard of it which either begs the question, if no one has heard about it why not, or am I being given the wrong suggestions by my financial adviser? There could be a third option of course that is that the advice my friends and colleagues have received isn’t as good as the advice I’ve received. Anyway, it seems like a pretty good idea to me as it seems to be one of the few ways that I can protect everything else I pay for.
Source: http://www.permanenthealthinsurance.uk.com/blog/2011/12/16/i-used-permanent-health-insurance/
Tags: Advert, Colleagues, Financial Adviser, Health Insurance, Health Insurance Policy, Health Policy, Insurance, Last Laugh, Permanent Health Insurance, Permanent Insurance, Proportion, Sunday Evening, Television Program, Time Period, Wages
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December 13th, 2011
I have worked in the same company as my partner for a number of years. In fact we have both worked there for longer. However we only started dating after a number of years and yes, I should have made a move earlier but I didn’t. Nor did she, so we are equally to blame for not starting the rest of our lives earlier. Still, as they say, you can’t change the past so I’m not going to beat myself up too much; suffice to say, I wish I had. Society would describe me as a professional, like my partner and we live a pretty comfortable life with a number of holidays and have savings to fall back upon should the need arise. Financially I have always tried to keep a tight ship and regularly review my spending, keeping abreast of any new savings policies that have been released, trying to utilise my tax free allowance that the chancellor allows in the budget. I have spoken to both my parents and my partner’s parents about possible inheritance tax liabilities and the best ways of mitigating any potential liabilities there are, given the increased likelihood of their deaths before ours. However, where I feel I do make most of an impact on things is to keep an eye on where we have arrangements for our regular outgoings. Clearly our major outgoing is our joint mortgage and fortunately we have a tracker mortgage which has allowed us to enjoy relatively low monthly payments for some years now. I also keep an eye on the comparison websites such as life assurance cover to check on the cost of gas and electricity providers and telephone and broadband providers.
Source: http://lifeassurancecover.uk.com/blog/2011/12/13/i-use-life-assurance-cover-website-see-if-im-paying-too-much/
Tags: Broadband Providers, Budget, Chancellor, Deaths, Electricity Providers, Free Allowance, Holidays, Inheritance Tax, life assurance, life assurance cover, Likelihood, Outgoings, Parents, Rest Of Our Lives, Tax Liabilities, Tight Ship, Tracker Mortgage
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December 7th, 2011
Logging onto the computer to check my emails, a task I tend to do with absurd regularity, I noticed that I had an email from my bank suggesting that I take out some life insurance. It was actually something that I needed to do, so using it as a prompt I decided that I would actually do the job properly as the banks aren’t known for offering the best deals around. Logging onto the quote comparison sites was virtually as easy as logging on to my emails and within 15 minutes I’d got the quote I wanted. The reassurance that one gets from seeing the quote you have elected to go with compared to the other quotes from other companies makes the whole exercise well worth it and should almost be a requirement for people taking out financial products as so many people are probably paying way too much money and wasting their hard earned wages lining the pockets of the banks. The banks that were already given lots of our hard eared money a few years ago when some nearly crashed as a result of their absurd lending practices. Whilst I was logged on to the insurance comparison websites I was also able to get quotes for a number of other financial products I was able to get quotes for mortgage protection insurance the best rates for holiday insurance and also critical illness cover.
Source: http://mortgageprotectioninsurance.uk.com/blog/2011/12/07/i-found-site-called-mortgage-protection-insurance-and-saved-over-123-annum/
Tags: 15 Minutes, Banks, Best Deals, Critical Illness Cover, Earned Wages, Email, Exercise, Hard Money, Holiday Insurance, Insurance, Insurance Comparison, Insurance Rates, Life Insurance, Mortgage Insurance, Mortgage Protection Insurance, Mortgage Rates, Pockets, Quotes, Reassurance, Regularity
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December 5th, 2011
I had always expected to become a teacher as both my mother and father had been teachers. It didn’t help by the fact that I had never really contemplated doing anything else and upon leaving school with the appropriate A levels for a teacher degree, I duly started at Teacher Training College. Three years later I was applying for teaching jobs in my home town, as I had never really contemplated working elsewhere. I married my child hood sweetheart and started a family with two lovely children and everything was wonderful. Wonderful apart from the fact that I really didn’t enjoy my work, I loved the teaching side of things, but all the form filling and unnecessary rubbish we had to do to support the vagaries of whatever the government of the day had decided that we should do to teach our children in a slightly better way than we had done the year before. This carried on for years and I grew to despise the job and tried to lose myself at weekends in whatever DIY project I had at the time. I loved the way that no one was there to tell me that I had to do it another way or that I had to fill in a form for someone so that they could produce a piece of analysis that would inevitably be used to tell me that I wasn’t as good as someone else, somewhere, and because of this I would to produce another action plan saying how I would improve, and so on and so on.
Anyway, one morning I decided that I would chuck it all in and become a full time do it yourself man and six years later I haven’t looked back. I have am independent in mind and body, I love my work and I’m probably a better person for it. I have had to become financially literate and now know my income protection policy from my mortgage protection insurance and my VAT rates from my National Insurance, thanks to mortgage protection cover.
Tags: Better Person, Full Time, Insurance Cover, Life Insurance, Mind And Body, Mortgage Cover, Mortgage Insurance, Mortgage Protection Cover, Mortgage Protection Insurance, Mother And Father, National Insurance, National Mortgage, Rubbish, Six Years, Small Fortune, Sweetheart, Teacher Training College, Teaching Jobs, Vagaries, Vat Rates
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November 25th, 2011
I have used the same insurance broker ever since I had my first car and I needed to arrange cover. They always seemed to work very hard trying to get me the most competitive premiums and the process seemed to take an hour or so and I would always walk away with a hand written cover note and a feeling that it was very expensive but I had the best deal I could get. Looking back on those days, the trust I had in the staff in that office was based on nothing other than blind faith combined with the hope that if I thought it sounded absurdly expensive I might try the insurance broker along the road. Although having already taken an hour or more to get the insurance sorted out, the last thing I would want to do is to go through the entire process again and waste my entire day off. These days of course, like virtually everyone, I no longer use an insurance broker. I use the online comparison sites and the rest of the population probably use the telephone. The online process is so advanced these days that, rather than taking half an hour, the time need to obtain a quotation is now down to 10 minutes and every form and cover notes are generated on a PDF file which arrived in your inbox within seconds. Whilst you’re on the website the system provides the facility to obtain other financial products as, from the comparisons site point of view, why stop with car insurance? Within minutes I found a site called Compare Life Insurance comparison I, arranged travel insurance and arrange a hire car to pick you up from the airport. The freedom the system allows is key, as you can access for your self a list of premiums and see for yourself how much cheaper one insurance company is over another.
Tags: Blind Faith, Car Insurance, compare life insurance, First Car, Half An Hour, Hire Car, Inbox, Insurance Broker, Insurance Company, Insurance Life, Insurance Online, Insurance Quotes, Life Insurance Comparison, Life Insurance Uk, Online Insurance, Pdf File, Point Of View, Premiums, Quotation, Time Need, Travel Insurance
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November 25th, 2011
Have you ever noticed that when you tell anyone at work that you are about to buy a house or a flat or get married or some thing else that’s going to radically alter your circumstances for years to come, that there’s always someone in your office or wherever you happen to work who’s got some advice which if you’d known it a few weeks earlier it would’ve saved you a load of money? The main reason for this of course is that those who’ve done something in the past simply know more about doing that than those who’ve never done it before. Those who already own a house have already been up the steep learning curve and become part of the inner sanctum of knowledge that they are always keen to impart to help give others a head start. Apart from the plethora of things you get to know about which refer to the house purchase, there are a number of other things you need to arrange. For a start you should log onto the comparison sites and get a quote for permanent health insurance, which was easy using the Compare Life Insurance website, get a second quote for buildings and contents cover and compare the mortgage quote you have with others to check it’s competitive.
Tags: Buildings And Contents, Circumstances, compare life insurance, Head Start, Health Insurance, Inner Sanctum, Insurance, life assurance, Life Insurance, Money, Mortgage Quote, Pa Insurance, Permanent Health Insurance, Permanent Insurance, Plethora, Reason, Steep Learning Curve
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November 23rd, 2011
My wife and I sat down the on Sunday evening to watch Bergerac and half way through the first advert break there was an advert called Mortgage Protection Cover. My wife reached for the remote and paused the television program and asked me was that the insurance that our financial adviser had been discussing with us a few weeks ago. I wasn’t sure, but after the program I checked through the notes of the meeting he had sent and it turned out to be exactly what he’d suggested that we should take out. As I understand it the policy is designed to pay out a proportion of my wages should I be unable to work through illness or injury and following a set time period. We then logged onto the financial comparison websites to see if what he was offering was indeed good value and whether we could get the same type of insurance any cheaper. What I find so surprising is that virtually no one seems to know about or even heard about this type of cover. I have spoken to friends and colleagues at work and no one has heard of it which either begs the question, if no one has heard about it why not, or am I being given the wrong suggestions by my financial adviser? There could be a third option of course that is that the advice my friends and colleagues have received isn’t as good as the advice I’ve received. Anyway, it seems like a pretty good idea to me as it seems to be one of the few ways that I can protect everything else I pay for.
Tags: Advert, Advice, Colleagues, Financial Adviser, Insurance, Insurance Plan, Mortgage Protection, Mortgage Protection Cover, Proportion, Sunday Evening, Television Program, Time Period, Wages
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November 23rd, 2011
Sitting in an airport lounge waiting for a flight connection is probably the dullest way of spending time I know, apart from waiting for the AA which is also up there in my list of things I would do less than go to have root canal work done by an inexperienced dentist. The process of waiting for a plane however can be transformed by WiFi which if you are lucky enough to be able to access from one of the comfy seats rather than the wooden seats in the Starbucks franchise is all the better almost making the whole process bearable. With two hours to kill I sat down and decided to work though as many emails I could, so reducing the time I would have to spend doing this at home. On this occasion this was all going pretty well with the delete button being pressed at an ever increasing rate until I came across an email from my travel insurance provider letting me know that the cost of my renewal would be about ten pounds more than I had paid the previous year, although the increase was affordable I thought that it would be worth spending a couple of minutes getting an alternative quote as, lets face it, what else did I have to do for a few minutes? As it turned out I could save myself ten pounds on the annual premium I was currently paying. Once you’ve saved a few pounds you get a taste for it. On another table along the top of the web page I could make a comparison using a website referred to as Mortgage Protection Cover, find critical illness cover and other financial products. Saving money or rather stopping yourself wasting any more money is a tremendously empowering feeling and rather addictive.
Tags: Aa, Comfy Seats, Couple Of Minutes, Critical Illness Cover, Dentist, Email, Few Minutes, Insurance Provider, Mortgage Bank, Mortgage Cover, Mortgage Protection Cover, Previous Year, Root Canal Work, Saving Money, Spending Time, Starbucks, Starbucks Franchise, Travel Insurance, Web Page, Wifi
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November 21st, 2011
The top easy instant access saving accounts are available online by leading providers who are offering 3.15% easy access to your account or 3.6% annual rates. Currently saving account rates are at its lowest peak. Still, there is ways to save money.
You can save money by finding the best easy access savings accounts on the Web. Some of the best deals include 3.15% easy access. You can stash the cash away in your fixed savings and earn up to 4.7 percent.
Easy access rates are:
- 3.15% on average, which includes bonus Read the limits on withdrawals.
- 2.75% clean easy access rates
- 4.25% fixed rates up to two years.
Keep in mind, banks will offer temporary hikes on interest to lure you into opening a savings account. These offers may be temporary and will not last. Read the fine print, terms & condition, and other details before you open a savings.
Before you open, an account be sure you understand what control you have over your money. Easy access can mean short-term, or it could mean that you can only make four withdrawals in a year to get the interest amounted offered to you when you signed up. Read the rest of this entry »
Tags: Amp, Banks, Best Deals, Bonus, Business Days, Cash Withdrawals, Coventry Bs, Easy Access, Income Tax, Instant Access, Instant Cash, Internet Phone, Minimal Deposit, Notice Accounts, Santander, Saving Accounts, Savings Account, Savings Accounts, Taxes, Ways To Save Money
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November 14th, 2011
My daughter has been working in London and for years she has rented as the costs of homes were beyond her. Fortunately we have been able to help her with a deposit and she recently purchased her first home and has her foot on the first rung of the property ladder. As the economic outlook is rather uncertain I insisted that she took out some mortgage protection insurance which would provide some financial cover should she lose her job, a cover I have had in place since I was advised to do the same at a similar age. Fortunately I have never had the necessity to call upon it, however, no one knows what is around the corner and I would felt guilty of hypocrisy had I not suggested she put something in place and something bad had happened to her. Hopefully, like myself she won’t have the occasion to call upon the policy but a financial safety net will have been put in place which protects her finances in the years ahead.
Source: http://www.mortgageprotectioninsurance.uk.com/blog/2011/11/14/protect-your-mortgage-payments-mortgage-protection-insurance/
Tags: Economic Outlook, Financial Safety, First Rung, Hypocrisy, Insurance, Job, Mortgage Insurance, Mortgage Payments, Mortgage Protection Insurance, Property Ladder, Safety Net, Working In London
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