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The credit crisis that currently grips the UK shows no sign of abating and the sheer size of debt in the country is astronomical. Insolvency numbers are expected to rise as debt levels have tripled over the last decade. Licensed insolvency practitioners are preparing to help thousands of struggling people solve their debt problems. The current financial state of the UK doesn’t make pleasant viewing and it is affecting consumers up and down the country. Insolvency levels are fully expected to reach record highs this year and a report has shown that young people are amongst the most financially vulnerable in the UK due to the level of debt that they have accrued. Insolvency – The debt cycle Financial experts often suggest that an individual voluntary arrangement is a good way for people with high levels of debt to tackle their problems. Debt problems in the UK are getting to the stage where the threat of insolvency or bankruptcy looms large over a vast proportion of the population. The ...

Your credit report is one of the most important documents in determining your financial standing. A good credit report can help you achieve your financial goals, purchase valuable assets, and qualify for competitive interest rates on new lines of credit. A bad credit report can keep you from purchasing a new home or car, as well as preventing you from qualifying for credit at low interest rates. This makes it essential to know what’s in your credit report and what you can do to improve your credit by reviewing your credit file regularly. According to a study released on Bankrate.com , a startling 70 percent of all credit reports contain serious errors or discrepancies which can affect an individual’s credit rating. These include having accounts listed twice, incorrect account statuses, discrepancies on the date penalties were incurred, and even the assignment of incorrect aliases that aren’t the same person. Each of these mistakes can cause decreases in your credit rating and affect yo...

People aren't born from birth to be savers. It takes time to develop money-saving habits. Follow these tips and you'll be saving hundreds of dollars a month in no time. Budgeting The first thing you need to do before you can develop your money-saving habits is to decide realistically how much you can save. To accomplish this, you must first devise a budget that lays out all the money you earn and your essential spending. This tells you how much discretionary income you have that you could be saving. Don't Pay Too Much The first money-saving habit you should develop is a paranoia about prices. Assume you are paying too much for everything from groceries to car insurance. Then test that assumption. Go to online price comparison sites to see if you can get lower prices on insurance, loan rates, rates for TV, Internet and phone service, and many other services and products. If you can get a lower rate, don't be shy about switching, as long as the new product or service meet...

Read on for 3 great tips to help you getting started in forex trading and well on your way to becoming a successful foreign exchange trader. 1)       Before you enter a market, you need to know your market  :  Think of the world of forex as a virtual casino. What’s the first thing you do upon entering a casino for the first time? You assess the behavior of each of the tables before placing a bet, so you have a good idea of what sorts of odds you are facing and become aware of any potential high-risk and high-loss games, as well as those with potential high-winnings to be had.   It’s much the same with the foreign currency markets; some currencies are volatile while others ensure solid returns. You should study the forex market and get a feel for patterns and stay ahead of market activity by reading the financial news, keeping a wide-angle view of international news and their economic consequences on the currency market. Pick a currency pair...

Times are getting harder. The recent global financial crisis has made many people realise the importance of getting financially prepared for possible job losses, reduced income, or higher costs of living. Financial hardship is something nobody looks forward to but it could be unavoidable. There would always be economic factors in the country and around the world that could bring about that hardship. The best way to deal with and overcome any financial hardship is to be ready for it. As the cliché goes, it is best to always save for the rainy days. How could anyone prepare for it? Here are several ways you could do it. First, live in frugality. It is ideal to be always practical. You may not be aware but you could actually lower your daily costs. You may incur lower electricity bills for instance by getting more conscious about how your household uses appliances and lighting fixtures. To lower your water bills, install faucets that do not leak. As for your grocery, buy only necessary it...

You can control the cost of your teen-driver’s insurance, but you cannot afford to compromise your coverage. “As soon as your teen starts driving, alert your insurance company,” the big carriers say. Consistent with their vehicle codes, most states will not allow your teen to take the license test without proof of insurance. As a practical matter, however, begin the process of insuring your teen as soon as she gets her learner’s permit, because securing exactly the right coverage for the new driver and the rest of the family will take some time. Insuring a teen driver is not a “one call does it all” deal. Cold-hearted and realistic : Shopping for car insurance, remain exceptionally cold-hearted and realistic. First, accept the fact that your teen-age driver will bump into things. The numbers do not lie: sixteen-year-old drivers have by far the highest accident rates among all drivers. Not a surprise: they need time and practice to develop their judgment and perfect their feel for the c...

The current economic climate cannot be ignored. Everyone is trying to save. However, most people experience a lot of problems in doing so. With these tips, saving will come a lot easier! 1. Air Conditioning : Depending on your climate, you may be able to save a lot this way. If you are experiencing hot weather just for a few weeks, this can be especially great. Fans will go a long way. Try placing one in the basement to blow cool air upstairs. The shaded side of the house can be enjoyable by placing a box-fan on the window facing that side. 2. Airfare :  The amount of money spent on flights is usually outrageous, but one can still save. Try using Fly Combo to do so. It might take you more hours to drive to a large airport that will offer these services, but it will save a great deal on the connecting-flight charges. 3. Appliances :  This is one option that many people do not think about. This can be achieved by buying used items or returning your used appliances for cash. You ...

The gold market has been very turbulent this year with prices rising and then falling like humps on a camel. The lingering fallout from the global recession and the newer troubles in the Eurozone have meant that safe haven investing has become far more common, which has increased the price of gold. Whilst this article is not designed to offer advice on gold investments, as reputable cash for gold buyers, we too have to keep an eye on the gold price to ensure our customers are getting a fair deal for their unwanted gold jewellery and silver items. So what’s next for gold in 2012? It’s hard to give a definitive prediction on the future of gold without taking into account some of the differing viewpoints.From looking at some of the research, it is very clear that commentators seem to be split into two camps: Camp one: Gold prices will rise higher These analysts speculate that the continuing failure of the Eurozone will push gold even higher in 2012. Marketwatch.com think...

I'll ask you again – do you like your job or do you want to trade it for something else? Where are you now? Are you at your office starting another long day or home after dinner tired and just want to relax? You can be free and do anything you want from anywhere in the world but it's up to you to make this move and decide you are willing to move forward and do whatever makes you happy. Yes, it's a brave and hard move to make but once you make it the possibilities are endless, especially when it comes to trading stocks and Forex foreign currencies . You're probably saying you no nothing about stocks or Forex at the moment but that's no excuse. You can purchase books by top trader, start learning about the market and little by little advance towards trading, but why would you want to do that? All over the world thousands of people are free to do whatever they want each and every day because they have studied the market and are now making money from trading. That mean...