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09Sep
Britons over 50 are in desperate need of home repairs but new research shows they are unable to afford the cost to fix them. If you need to pay for urgent repairs an early payday loan could provide the funds until your next pay day.
More than a third of over 50s according to Saga Personal Finance are struggling to find the extra cash for vital repairs with one in seven claiming they cannot afford it.
The recent report from the institute for Fiscal Studies (IFS) stated that that the UK’s poorest families will be hit the hardest by forthcoming budget cuts. In response, the Saga poll of more than 14,000 over 50s revealed more than one in six people cite roofing as the aspect most in need of repair and one in seven say their drainage and guttering needs fixing.
“People are living longer which means that retirement incomes have to stretch a lot further to keep up with inflation,” said Andrew Goodsell, Saga Group’s Executive Chairman.
“Many retirees find they need additional cash, whether it is to make every day life easier, fund house repairs, take the trip of a lifetime, or to contribute to care in later life.
Over one in seven when asked how they were going to finance the repairs said they could not afford it, 50 percent said they would use saving and fewer than one percent would ask family or friends for financial support.
London homes are suffering the most with 42 percent of Londoners in need of housing repairs.
Early Payday Loans
To cover the costs of home maintenance consider an early payday loan. Eligibility is based on a borrower’s ability to repay the loan by their next pay day.
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06Sep
Brokers are fighting harder to get claims paid during the recession as insurers become stricter, new research shows. If you are waiting on a claim and are experiencing cash flow problems as a result a 24 hour payday loan could help.
The British Insurance Brokers’ Association (BIBA) found 67 percent of broker respondents said they had to get tough with insurers on behalf of customers to get claims paid, as 93 percent regularly negotiate up to 20 percent uplift on claims settlements.
This situation has deteriorated since last year with almost a 10 percent increase in brokers admitting to having to fight harder due to stricter policy interpretations and anti fraud-systems by insurers.
“This is strong evidence to demonstrate the value of the broker and we plan to use this in every way that we can to promote brokers to wider world,” said Eric Galbraith, BIBA chief executive.
“I also recognise that with fraud being a major issue, there is a need for insurers to validate claims. However these statistics seem to suggest a too frequent reduction in the amount offered in claims settlements.”
BIBA has shown the benefits of using a broker to settle claims as with one case the settlement on water damage put forward was £4,500 and after discussion it was eventually settled at £20,000.
A 24 Hour Payday Loan
If you are struggling with cash flow problems as a result of an insurer failing to pay out on a claim, a 24 hour payday loan could pay for the costs or help you make ends meet before your next payday. Up to £750 can be borrowed if you are over 18 and in employment.
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03Sep
Families and friends will be dusting off their hats and flocking to weddings around the country as this weekend is set to be the most popular for couples to tie the knot. If your finances are struggling to stretch to pay for the cost of attending a wedding a fast online payday loan could cover it until you are able to repay it from your next pay check.
Specialist wedding insurer Ecclesiastical found that Friday 3rd – Sunday 5th September is the single most popular weekend for getting married in the UK, based on the number of wedding insurance policies they have sold this year.
A massive 2.5 percent of this year’s entire weddings will take place this weekend, moving in line with the growing popularity of September weddings, a change from 2009 when July weekends were most fashionable.
“It’s easy to understand why this weekend is so popular with brides and grooms,” said Dave Simms, Ecclesiastical’s personal lines insurance manager.
“There is a clear shift to Friday weddings and Sundays are increasingly avoided for the big day. This again is no surprise as having your wedding on a Friday will enable you to prolong the celebrations throughout the weekend.”
The second most popular weekend to get married is the 10-11 September followed by 17-18 July, and 24-25 July after that.
In 2008 the National Office for Statistics showed there were in total 270,403 weddings in the UK.
A Fast Online Payday Loan
Guests typically have to pay for travel, their own outfit, accommodation, drinks and of course a gift when going to a wedding, amounting to a pricey weekend. If you are unable to finance all this in one go a fast online payday loan is a good way to cover the cost, where £750 can be borrowed at one time, paid back with the borrower’s next pay check.
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01Sep
Motorists using the M6 Toll may be spared the £5 charge with a new campaign to rid the West Midlands of the costly failure. If you need to use a toll road on your way to work and are struggling to find the extra cash to pay for it this month a small payday loan could cover the cost.
A report by the Campaign for Better Transport found the 27-mile toll motorway has failed to provide significant congestion relief and the price for use has been steeply increased year on year.
Midland Expressway Ltd, the operator of the Toll, was found to be losing tens of millions annually, while M6 congestion has become so bad that the Government is considering spending another £500m on it to deal with the problems the Toll has failed to resolve.
“The Government needs to spend scarce public funds on maintaining the roads we have and giving people good alternatives to car use,” said Richard George of Campaign for Better Transport’s Roads.
“With Government coffers running empty, it is no surprise that politicians are looking at toll roads as a way to deliver funds for new road building projects. But our research shows that private toll roads such as the M6 Toll don’t help motorists or the surrounding area, and don’t make money for investors either.”
Small Payday Loans
The steep increase of the M6 Toll charge may be too much for some motorists to fund on their daily commute but in the case of a heavy month at work, or a set of meetings you need to be certain you are not late for, so the Toll may be your only option. To pay for this added extra a small payday loan where you pay it back with your next pay check, could be a good option.
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27Aug
Schools are being criticised by Citizens Advice Bureau today for ignoring the current economic climate and ignoring government guidance on keeping school uniform costs to a minimum.
If you are unable to provide the right uniform for your child with this month’s pay an instant approval payday loan could help pay for back to school items.
The national charity warned that too many schools are still insisting uniform be bought from an exclusive supplier instead of enabling cheaper options to be made available. Worst still, it was found that sometimes the school itself compel parents to buy the uniform from them often at twice the price.
“In the current economic climate, and at a time when academies – many with expensive new uniforms – are springing up to replace existing schools, it’s all the more important that schools do what they can to keep costs down for families who are under severe financial pressure,” said Gillian Guy, Citizens Advice Bureau chief executive.
“By following simple, cost-cutting steps schools really can help families at this time of greatest need. We want to see them making uniform available from a wide selection of suppliers or by offering iron-on and sew-on badges as options.”
Citizens Advice Bureau research also showed that Local Councils could do more to ease this burden with a massive 60% not offering any kind of uniform grant leaving parents to approach charities for support.
They also showed that little had changed since Department of Education research in 2007 showed 27% of families on an income less than £15,000 were spending more than 20% of this on school costs. This is despite the Government guidance to Governors given in 2004 that ‘off the peg’ options should be available.
An average of £122 is expected to be spent on children’s back to school essentials this September research by LV= also found. Nearly half of parents expect to spend more on these items than last year – a total of £709 million is predicted to be dished out on school basics including uniforms, stationery, sportswear and winter coats.
An Instant Approval Payday Loan: Eligibility is based simply on your ability to repay the loan by your next payday. Up to £750 can be borrowed at one time with a £20 charge per £80 borrowed.
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24Aug
Half of Brits leave their properties empty while away in the summer a new survey has found, making it an easy target for burglars. If your house has been burgled or you are looking for funds to take out insurance, a loan until payday could cover costs not usually included in your monthly budget.
A huge 51% of Brits will leave their property empty in August and of these, almost a quarter admitted they would not ask a neighbour, friend or family member to keep an eye on their property while away M&S Money showed.
Worryingly, 17% of people admitted that they conceal keys outside their property at some point while away, and two thirds with neighbours, family, friends or someone such as a dog walker.
“With August being one of the most popular months for people to go away, we would urge homeowners to take appropriate steps to ensure their home is secure while they enjoy their holidays,” said Andrew Ferguson, M&S general insurance head.
“It is important that security measures you take are in line with the terms and conditions of your policy to ensure you have adequate cover should the worst happen.”
London was also recently found to have the highest reported burglaries in 2008/9 causing the 1 in 4 who have no home contents insurance to consider a loan until payday to fund the recovery.
This research by Yorkshire Bank Home Insurance of 375 Local Authorities found London had a total of 92,759 reported burglaries last year closely followed by 82,706 in the North West.
A Loan until Payday: short term cash loans – you can apply online and borrow up to £750, with no faxing or paperwork required.
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12Aug
British drivers are playing with fire as 64% admit to having performed some form of potentially dangerous activity while driving. This over-confident behaviour is likely to increase the likelihood of an accident, and to help pay for car insurance or motor repairs an easy cash loan is a fast solution to aid cash flow in an emergency.
Eating and drinking was found by Sainsbury’s research to be the main offence with 38% of the motorists questioned admitting to the felony in July, followed by 28% who drove while feeling tired.
Driving wearing flip flips or no shoes increased by 4% from last year to 18%, and despite using a hand held mobile while in front of the wheel is illegal, one in nine have done so in the last month, with 6% admitting to sending a text message while driving.
“People can become very complacent behind the wheel, especially if they drive regularly,” commented Ben Tyte, Sainsbury’s Car Insurance Manager.
“Often confident drivers can step over the line and drive in a manner that can endanger themselves and other road users.”
Male drivers are the most cocky when it comes to dangerous driving activities as an estimated 10.3 million embarked on one in the last month compared to 8.7 million females.
However, the driving habits of almost 300,000 UK housewives were recently compared with other women motorists by Diamond, who found housewives are 11% more likely to incur a speeding fine.
Easy Cash Loans
Dangerous driving habits committed by yourself or another can cause serious harm if the reduced attention contributes to an accident. To help pay for unexpected repairs or if you want to upgrade your current insurance cover an easy cash loan could help with the financial side. It is a short term loan which his usually paid back from the borrower’s next pay check, usually within 31 days.
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10Aug
Action has been made on four online rogue traders who deceptively sold consumers European Health Insurance Cards (EHICs). If you have been scammed and as a result are in need of extra cash to get through the month, consider applying for a small payday loan.
This enquiry follows the Office of Fair Trading (OFT) Annual Report which stated it had saved consumers at least £359m per year on average by raising consumer awareness of scams and rogue doorstep traders through competition enforcement, consumer protection, merger and markets work across the economy.
The OFT EHIC investigations found online traders were charging consumers around £10 per application – tricking the customer into thinking their site was the official one. Formal undertakings have been signed by three of the traders to not engage in deceptive selling practices.
The EHIC is particularly in demand this time of year as it provides UK residents with access to state-provided healthcare in European Union countries, and can be obtained at no cost from the NHS website.
“People seeking to obtain government funded services such as an EHIC should check carefully that they are using an official government website,” said Heather Clayton, OFT’s Consumer Group Senior Director.
“While it is not unlawful to charge money for a reviewing and forwarding service, traders must be clear about the product or service they are offering, and not trick consumers into parting with money for services they don’t want.”
The OFT investigation was launched in March 2010 and concluded that the traders had breached the Consumer Protection from Unfair Trading Regulations 2008, as the websites mislead the customer by mimicking the EHIC brand and omitting important information.
A Small Payday Loan
Whether you have been a victim of the EHIC scam or another, and are struggling to make ends meet with a holiday coming up, a small payday loan could help see you through until your next payday. Most people are eligible for a loan if they are in employment and can pay it back usually within 31 days.
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05Aug
Housewives drive more expensive cars with bigger engines and obtain more speeding convictions than other women, new research shows. An emergency payday loan is a good way to pay for unexpected speeding tickets.
The driving habits of almost 300,000 UK housewives were compared with other women motorists by women’s car insurance specialist Diamond.
They found Housewives’ cars are about £1,530 more expensive than other women’s, their engine sizes are 282ccs larger, they are 11% more likely to get caught speeding and drive an average of 619 miles a year less than other women.
“Some of the figures were startling,” said Diamond managing director Sian Lewis
“TV’s Susan, Bree, Gabrielle and Lynette aren’t the only housewives with a love a fast, expensive cars. The UK’s housewives certainly seem to enjoy life in the fast lane as well!”
The number one car for UK housewives’ is the stylish VW Golf compared to the dependable Ford Fiesta – a favourite among the rest of the female population.
However, when compared to the male population, a poll carried out by Sheilas’ Wheels car insurance ‘intemperate temperatures’ showed females are calmer, less distracted and safer on the roads during summer.
A fifth of men admitted to being more prone to road rage and aggressive driving during the summer, which fits in with the company’s data from last year which revealed men made 16.4% more claims during the summer months than women.
An emergency payday loan
If you have a speeding ticket to pay off and if you are likely to incur an extra bank overdraft charge by waiting until your next pay day, an emergency payday loan can help. Payday Bank can offer you anything from £80-700 to cover an expensive month to keep you going until you next get paid.
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04Aug
Non-food inflation has slowed to 1.0% in July from 1.4% in June compensating for the increase in food inflation. If you have been waiting for an opportunity to shop till you drop an internet payday loan could provide you with the extra cash to do so.
According to BRC-Nielsen and their Shop Price Index, shop prices have remained stable due to massive discounts which have effectively driven non-food inflation down to its lowest rate since November last year.
Food inflation continues to rise however, with an increase to 2.5% in July from 1.7% in June – thought to be partly due to the dry weather which has increased the price of animal food and poor harvests reducing fruit crops.
“Good news for customers. Shop price inflation remained low and well below other measures of inflation as a slowdown in non-food prices compensated for an increase in food inflation,” said British Retail Consortium Director General Stephen Robertson.
“It’s clear the high street is not the main source of inflation.”
An Internet Payday Loan
If you want cash to splash before your next payday or simply need a little extra to pay for pricey food items, an internet payday loan is the offer for you. Eligibility is not based on credit history, simply through your means to repay the loan by your next payday, usually within 31 days, although alternatives are available. Between £80-700 can be borrowed at any one time with only a £20 fixed charge for every £80 you borrow.
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