http://www.articlealley.com en-us editorial@articlealley.com Most professional advisers would advise their clients that the basis of insurance for families should be the various forms of protection. Just think of the things that could go awry - accidents and illnesses do, unfortunately, happen when we least expect ... http://www.articlealley.com/article_1232033_19.html 13th November 2009 Probably the only time in your life when you may not actually need life insurance is if you're single and have no-one depending on you. Beyond that, as soon as you have people who rely on you for their needs, can you be sure that you can provide this, und... http://www.articlealley.com/article_1232026_19.html 13th November 2009 Life insurance isn't just for the breadwinner; it's a very necessary product for parents who care for their children on a full time basis. Can you even begin to think of how your children would be cared for if you were no longer around to look after them?... http://www.articlealley.com/article_1232015_19.html 13th November 2009 It seems that life expectancy for Mr Average has risen by as much as five years in the past 12 years or so. This is brilliant news for the men, but there's a sting in the tail. No longer can women claim that a more sensible attitude to a healthy lifestyle... http://www.articlealley.com/article_1232009_19.html 13th November 2009 Some customers of the high street banks are now enjoying lower interest rates as the banks came under pressure to step up their help for people struggling with their finances. Within the current UK climate, a number of people are finding it difficult to m... http://www.articlealley.com/article_1224940_19.html 10th November 2009 Paying by Plastic - debit and credit cards are becoming increasingly popular ways of making payments overseas, or for raising foreign cash, but you must ensure you get the best possible deal. The Nationwide Building Society said recently that more than 65... http://www.articlealley.com/article_1224936_29.html 10th November 2009 The far north of Scotland or the Isles of Scilly, wherever you're thinking of going for your next holiday, there are likely to be more visitors than usual this year. Holidays at home are now in vogue, as a result of the credit crunch catastrophe. Just bec... http://www.articlealley.com/article_1224916_29.html 10th November 2009 If you suddenly fall ill or have an accident, you're nearest and dearest will not hesitate to take you to the doctor or to your local hospital where you will be treated for free. If you have medical insurance you might end up in a very nice hospital wher... http://www.articlealley.com/article_1224914_54.html 10th November 2009 Pets are great stress-busters and well over half of UK pet owners say that their pets help them to relax, with many more saying that their pet helps them to cope when things are not going so well. A recent survey shows that over eight out of ten pet owner... http://www.articlealley.com/article_1224912_19.html 10th November 2009 If you or your family has been unfortunate enough to have suffered from flood or storm damage to your home, you'll know just how much heartbreak it can cause. Fallen trees ripped up hedges and battered fences can make the outside of your home look like a ... http://www.articlealley.com/article_1200121_19.html 27th October 2009 As the rental market rapidly soars tenants are being forced to reduce rents or take the risk of losing their tenants. This is due to the amount of homeowners who are now renting out their properties rather than selling them for a cut price. There was a... http://www.articlealley.com/article_1199840_19.html 27th October 2009 One of the major insurers recently reported an increase of 25 per cent in the number of claims for accidental damage and loss claims made, in just three months, in comparison with the identical period last year. Top of the bill in the cause for claims is ... http://www.articlealley.com/article_1199833_19.html 27th October 2009 We're all aware of the terrific damage storms have caused in recent years, but despite all the suffering they cause, we all tend to forget about it when the sun's shining and the birds are singing. That's a shame really, as it's just at that time when you... http://www.articlealley.com/article_1199820_19.html 27th October 2009 The "high season" for claims on home insurance policies is during the summer-time. The fact that the children are at home for the long summer holidays and long days mean that the house and garden are more likely to suffer wear and tear and the odd acciden... http://www.articlealley.com/article_1199814_19.html 27th October 2009 If you die without leaving a valid will it’s the law that decides how your estate is divided. The intestacy rules will be used and it may not be what you’d have expected or wished. If you are legally married or have a civil partner but no children ... http://www.articlealley.com/article_1181856_19.html 16th October 2009 It's important that you should be aware of what will happen to your possessions and money if you should die without leaving a will. A recent case of an elderly gentleman who died thinking his estate would go to a great friend simply because he'd named her... http://www.articlealley.com/article_1181154_19.html 16th October 2009 Writing a will can save a whole lot of confusion and chaos financially for your family when you've gone. Not writing a will could create all kinds of problems for them. Would your really want this? Dying without leaving a will, which is called dying i... http://www.articlealley.com/article_1181103_19.html 16th October 2009 It makes sense to make a will. Most of us realize that, but actually getting around to it seems such a hassle. How much thought went in these "wills with a difference"? The famous magician and escapologist, Harry Houdini, couldn't escape death. Having... http://www.articlealley.com/article_1181098_19.html 16th October 2009 By the end of this month some of the country's largest high street banks will cease selling single premium Payment Protection Insurance known as PPI because of continuing pressure from the City Regulator. Payment Protection Insurance is generally sold to ... http://www.articlealley.com/article_1174207_19.html 15th October 2009 There are some pet owners who treat their pets as family members and are willing to pay whatever is necessary to keep them fit, healthy and safe. It's amazing how many people are now considering treatments which sound major even for humans - hip replaceme... http://www.articlealley.com/article_1174200_19.html 15th October 2009 Especially in the present climate job loss is a worry and accident or illness can happen at any time. It is wise to have income protection. This needs to stretch to all your outgoings, not just one direct debit of the many. Payment Protection Insurance ne... http://www.articlealley.com/article_1174192_19.html 15th October 2009 The employment market is grim and many people might be faced with the reality of redundancy and how to pay for credit, loans and mortgages. Around 13 million people have Payment Protection Insurance (PPI) in place to help with monthly outgoings if they ar... http://www.articlealley.com/article_1174186_19.html 15th October 2009 So you've made the decision to get a puppy. It's not something to take on without a lot of thought. You have lots of choices, not only of the breed of pup that you feel you'd be able to cope with, but how you're going to bring him or her up. One of the... http://www.articlealley.com/article_1174179_19.html 15th October 2009 The majority of people purchase this type of insurance to achieve the reassurance of knowing that the correct treatment is available if needed, should they fall ill or suffer an injury. Private patients have the luxury of choosing where the treatment will... http://www.articlealley.com/article_1163530_19.html 09th October 2009 If you're astute enough to have a dental insurance plan in place, are you sure that it covers everything you need? People take out dental insurance for the family, take a quick look through the policy and continue to pay the premium each year. Not a parti... http://www.articlealley.com/article_1162965_19.html 09th October 2009 The results of a recent study which was carried out in Southern Denmark show that more than 50 per cent of babies born at the present time can expect to live until the amazingly ripe old age of 100. Not only will they live far longer, but they can expect ... http://www.articlealley.com/article_1162964_19.html 09th October 2009 For a long time now, one of the most attractive "perks" in job advertisements has been "private sickness insurance". For those who start employment with a firm that offers this, it's an appreciable benefit. When it extends to the family too, it can offer ... http://www.articlealley.com/article_1162960_19.html 09th October 2009 With private healthcare you're in charge. Depending on the level of cover which you choose you can pick the hospital you prefer to be treated in. This means it's one which is convenient to you and suits your family's needs. You'll get far faster access... http://www.articlealley.com/article_1162957_19.html 09th October 2009 If someone dies without leaving a will, there's a certain way which their estate is handled, according to the laws of intestacy. In most cases it's a long drawn out process but something that has to be done. The fact is that, although the people nearest t... http://www.articlealley.com/article_1156293_19.html 06th October 2009 Probably the first time in your life that you should consider making a will is when you get onto the property ladder for the first time. Even if you are not married or in a civil partnership, you would want a say in whatever equity you have in your home. ... http://www.articlealley.com/article_1156272_19.html 06th October 2009 Some people say if you make a will you can make sure that no inheritance tax will be charged on your estate, as if a blanket rule applies. In actual fact some estates won't involve inheritance tax as they are under the allowance. Others may be less straig... http://www.articlealley.com/article_1156266_19.html 06th October 2009 More and more wills are being contested. The number of court cases in relation to will and inheritance disputes rose by 175 per cent in one 12 month period recently. Most disputes are settled without actually getting to the court stage, so the actual fi... http://www.articlealley.com/article_1156255_19.html 06th October 2009 Nowadays, when the term "married couple" crops up, this refers to registered civil partners as well as married couples. This includes civil partners of the same sex. If you don't leave a will, then unless your partner falls into this category, they won't ... http://www.articlealley.com/article_1155702_19.html 06th October 2009 Mortgage payers who lose their job and face problems affording their mortgage repayments may be eligible for a government scheme known as "support for mortgage interest" (SMI). The SMI scheme covers mortgage interest payments for those who have lost their... http://www.articlealley.com/article_1142271_19.html 02nd October 2009 Statistics from City watchdog the Financial Services Authority reveal some staggering figures regarding home repossessions. Repossessions climbed by almost 100 per cent last year, with 13,161 families being evicted between June and September alone. Thi... http://www.articlealley.com/article_1142258_19.html 02nd October 2009 As the economic recession continues, losing your job and as a result, your home is the nightmare uppermost in many people's minds. But if you are worried that redundancy could be followed by your home being repossessed, there have been two positive develo... http://www.articlealley.com/article_1142251_19.html 02nd October 2009 Under a tightening of rules being considered by The Financial Services Authority (FSA) homebuyers could face having to raise a deposit of at least 15 per cent before they can get a mortgage. The Authority has also hinted that the amount that mortgage lend... http://www.articlealley.com/article_1142242_19.html 02nd October 2009 As the recession takes a hold, families are being hit the hardest. Parents are having to take measures to cut back as much as possible. The amount of money that is spent on children's pocket money has dropped to a four year low. As well as this many paren... http://www.articlealley.com/article_1133261_19.html 29th September 2009 The stark facts are that smokers are likely to die earlier; therefore one insurer reckons that they can offer them better payouts than non-smokers. To qualify for these better rates, you need to be aged 50 plus and you need to fit the exacting requirement... http://www.articlealley.com/article_1133254_19.html 29th September 2009 Having any insurance policy in place gives you peace of mind, and having one for your pet is no different. You can pay premiums and not make a claim for ages, like two-thirds of policy-holders, but when disaster strikes and you run up enormous veterinary... http://www.articlealley.com/article_1133243_19.html 29th September 2009 If you are made redundant, from the 13th week after this happens, the Government will pay the interest on your mortgage up to 200,000 pounds. Although, for couples both need to lose their jobs to qualify and it will not pay for any other borrowings. ... http://www.articlealley.com/article_1133237_19.html 29th September 2009 The latest news on retirement is that it's a very expensive luxury. Maybe your grandparents seemed to lead a blissful existence, with Grandad happily pottering in his greenhouse and Grandma having plenty of time to enjoy hobbies and planning their days ou... http://www.articlealley.com/article_1133227_19.html 29th September 2009 You may not have heard of the term PPI or payment protection insurance, but there is a high probability you will have been asked if you want it. There are 20 million PPI policies existing in the UK. They are meant to cover you when you take out a form of ... http://www.articlealley.com/article_1120404_19.html 24th September 2009 Payment Protection Insurance (PPI) pays your loan or credit card interest if you aren't able to keep up the repayments yourself, say if you’ve been made redundant or can't work due to illness or for whatever reason. You’d think that sounds like a ver... http://www.articlealley.com/article_1120394_19.html 24th September 2009 The Competition Commission has announced that they intend to ban the sale of Payment protection insurance (PPI) at the point of sale for both loans and credit and store cards. A respected personal finance expert estimates that up to 50 per cent of PPI... http://www.articlealley.com/article_1120386_19.html 24th September 2009 Britain's biggest credit card company is behind a new idea to give the holders of its credit card the option to stop making repayments if their income is drastically cut. In practice, it's a form of payment protection insurance (PPI) which lenders have be... http://www.articlealley.com/article_1120259_19.html 24th September 2009 It is a great shock to suddenly lose an income, in the current economic climate this is happening more and more frequently. Employees can take steps to protect themselves though. Your first line of defence will be your redundancy money, any pay in lieu of... http://www.articlealley.com/article_1120256_19.html 24th September 2009 All over the country, students are preparing for the new Academic Year. Many of them will be starting University for the first time and face adjusting to University life and coping with their own finances for the first time in their lives. After the eupho... http://www.articlealley.com/article_1109285_19.html 23rd September 2009 Retailers, cinemas, airlines and even Government departments are all featured in a list of firms, which have come under fresh attack for the exorbitant fees charged to clients who pay by plastic. Many organisations are increasing their credit card char... http://www.articlealley.com/article_1109182_19.html 23rd September 2009 Britain's biggest credit card company, is offering borrowers the chance of a two and a half year break from their credit card debts. This is if they opt to pay an extra charge on their spending. This is an unusual type of plan, as it gives holders of ... http://www.articlealley.com/article_1109175_19.html 23rd September 2009