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Is the Game up for Credit Card 'Rate Tarts' ?

A crackdown on borrowers with patchy credit histories and the withdrawal of many 0% interest deals mean the age of the 'rate tart' could be nearing an end. According to research by price comparison website Uswitch a staggering £3.5bn of credit card debt has been left building interest as approximately two million rate tarts were rejected for their next balance transfer deal.
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Are mortgage payment protection insurers being fair?

 
A little while ago we mentioned that whilst payment protection insurance in general had acquired a bit a tainted reputation, things had been done to rein in the worst bits and make sure that what gets sold is needed and is at least reasonable value.
 
Before the recession the mortgage payment protection market hadn't had the same problems, so it was a little surprising that Lord Turner, the chairman of the Financial Services Authority, laid into the UK's insurers on this when he recently addressed their trade body at its annual conference. Read more »

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How the changing face of being able to get advice will affect you

In the days before advice got regulated there wasn't any real clear distinction between the advice you would get from an insurance salesman and those who gave so-called independent advice. Twenty one years after regulation first came in, the regulator - the Financial Services Authority - is still making its mind up as to what's the best way ahead. Today it issued its latest paper, a tree pulping 165 pages worth, which creates their blue-print for how you can buy products in the future.
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How good’s your travel insurance if your airline goes bust?

Over the last 10 years or so we've seen an enormous explosion in the number people making their own holiday arrangements by buying their flight, accommodation, and even transfers, separately. Despite the greater number of people who'll be having a "staycation" or buying a packaged holiday this year, making your own holiday package remains a popular way of saving money.
 
But how financially risky is it?
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Year on Year Student Saving Tips

With the current economic situation it's harder than ever for "poor students" to be able to afford the basic necessities. But by following some basic guidelines year-to-year, you can avoid crushing debt that will haunt you all your life.
 
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Off to University this Autumn?

With all your exams out of the way, you might be sitting back a bit waiting for final offers to flood in and having a good time. Thinking about how you're going to pay your way as a student is a job for tomorrow, isn't it? Maybe, but don't leave it too long - when you get your UCAS offer there suddenly seems to be an awful lot to do. Why not use a bit of down time to sort out your personal finances and check out how to save money in the future.
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