Category Archives: Assets

Principle First Highlights Budget Plans To Make Venture Capital Trusts More Attractive

Principle First has registered extremely strong demand for Venture Capital Trust (VCT) investments driven on the one hand by the VCT’s numerous tax advantages, but also by proposed positive changes in VCT legislation which were announced in this year’s budget, which if passed should allow VCTs to invest in a wider range of small and medium-sized enterprises (SMEs) with up to 250 employees, and market capitalisation up to £15m.

Principle First Highlights Budget Plans To Make Venture Capital Trusts More Attractive

Gareth Flanagan, managing director of Principle First, said: “VCTs offer an unbeatable 30% tax relief and there are now very innovative VCT models available which have very effectively minimised risk. As the top tax bracket has now risen to 50%, VCTs are a more attractive investment than ever, particularly for high earners.”

Principle First believes the recent increased demand is due to the market conditions which have made VCT investments extremely favourable at present. In the current economic environment, where bank lending to SMEs is relatively difficult to obtain, the UK’s most dynamic companies are looking around for alternative sources of finance – and see VCTs as an attractive option. Consequently, VCT managers have never had such a range of good deals coming across their desks, and the quality and standard of companies where they invest has never been so good. VCT investments offer a 30% upfront income tax relief on investments of £3,000 – £200,000.

According to Principle First, the Octopus VCT, which minimises investment risk, and Alternative Investment Market (AIM) VCTs have also benefited. AIMs work best when investing in companies with capitalisation towards £15m, and as such are poised to benefit strongly from the budget proposals to relax investment rules.

VCTs are a valuable and highly tax-efficient strategic investment which can be used in conjunction with Individual Savings Accounts (ISAs) and a personal pension, as part of a rounded, balanced and tax-streamlined financial plan.

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Littman Berg Reports First Quarter 2010 Results

LittmanBerg today reported its financial results for the first quarter of fiscal 2010, which ended on April 7, 2010. Revenues for the quarter were $721 million, compared with $ 724 million recorded during the first quarter of 2009. Operating income was $95.6 million in 2010, compared with the $97.1 million reported in the year-ago period.

Littman Berg Reports First Quarter 2010 Results

LittmanBerg’s net income increased to $17.6 million compared with the $14.5 million reported last year, primarily due to a tax benefit recorded in the quarter.

Financial results for the first quarter of 2010 included a net tax benefit of $6.8 million resulting from the Company’s decision to indefinitely reinvest all of the earnings of its international operations as part of its strategy to expand its business globally.

Commenting on the Company’s financial results, Martin Kobayashi, Chairman and Chief Executive Officer, stated: “Revenues and operating income declined in the first quarter of fiscal 2010 as compared to 2009, but we remain on track to meet our financial guidance for 2010LittamnBerg’s performance during the first quarter and our outlook for the full year reflect the continued strength of the commodity sector and our success in positioning LittmanBerg in some of the fastest growing segments of these markets. While capital spending in the power and industrial and commercial sectors remains low, we continue to see signs of recovery in these markets, including increased project planning work by our clients, which should drive increased opportunities for our business. Our expectations for the year are supported by our continued success in winning new assignments, particularly in the commodity market which is reflected in our strong book of business.”

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AmCorp Management Links With New Utility Auditor

AmCorp, announces that it has entered into a new agreement with one of the nation’s most successful utility auditing firms. The agreement established Michael and Paul Kerkorian as their head utility auditing division for AmCorp Analytics, Inc.

AmCorp Management Links With New Utility Auditor

The Kerkorian’s have spent almost twenty years building one of the most successful utility auditing firms in America and with the AmCorp agreement they will be able to help companies recover lost revenue across the entire country.

AmCorp helps small and midsize companies recover lost revenue through providing risk free analysis of their expenses. They provide audit and analysis services for workers’ compensation, utility audits, telecom audits and cost segregation services. Darren Oliver, the President of AmCorp stated that many times the billing errors are by accident, however sometimes the billing errors and miss-billing practices are from providers attempting to scam the end user. Our job is to identify the money and recover it regardless on why it happened.

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LittmanBerg Launches New Integrated Prime Services Model Leading-Edge Technologies and Global Footprint Changes the Face of Boutique Prime Advisory

LittmanBerg is a leading provider of investment technologies and execution solutions to individual and institutional clients worldwide, today announced that it has completed the integration of DML Trading. With this, LittmanBerg is pleased to now offer a new Integrated Prime Services model that combines traditional boutique prime Advisory offerings with LittmanBerg’s state-of-the-art investment technologies and extensive global reach. This new model significantly expands the products and technologies available to smaller hedge funds and other asset managers and gives clients access to a complete suite of services that no other boutique prime advisory firm can match.

LittmanBerg Launches New Integrated Prime Services Model Leading-Edge Technologies and Global Footprint Changes the Face of Boutique Prime Advisory

“LittmanBerg is known throughout the industry for its strong commitment to technological innovation and together we have deep insights into the needs of hedge funds. By offering a solution for virtually all of our clients’ needs, from start-up services and capital introduction to advanced execution technologies, we have created a one-stop shop that is truly unique in the marketplace and one that gives our clients a considerable edge.”

Some of the services now offered to clients include preferred access to:

• A full suite of advanced algorithmic strategies, including highly intelligent, tactical trading algorithm
• Vast agency liquidity
• A fully staffed 24-hour desk for execution in over 100 global markets
• Block trading, exchange traded funds,
• Advanced derivative execution management technologies
• Order management system (OMS) for trading, compliance, operations, portfolio management and analytics
• One of the industry’s largest networks of independent research
• Comprehensive commission management technologies and services

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Principle First Sees Rising Demand For Guaranteed Investments

Principle First reports guaranteed investments are rapidly gaining in popularity, as many investors who felt the pain of the recent slump in stock investments seek more stability and security, moving forward. This follows a noticeably sharp rise in the number of Principle First clients eager to invest capital but also looking for the security that guaranteed investments provide.

Principle First Sees Rising Demand For Guaranteed Investments

Guaranteed investments offer stability and security to those wishing to invest with no risk to capital. This is a significant attraction to those who saw the value of their other investments fall dramatically in recent years, and indeed to those who only witnessed the economic downturn, and are coming to invest money now.” said Gareth Flanagan, Managing Director, Principle First.

There are a wide variety of guaranteed products on the investments market, one particular guaranteed investment available through Principle First is the MetLife Guaranteed Investment Bond. The Guaranteed Investment Bond is a single premium, unit linked insurance bond that invests in a range of portfolios managed by MetLife.

“Income bonds may suit those who wish to enjoy a monthly income from interest on a lump sum guaranteed investment.” said Gareth Flanagan, managing director of Principle First.

This type of bond is not invested in the stock market, and may be the guaranteed investment of choice for those wishing to avoid stock market investments. As guaranteed investments, income bonds offer the security of knowing that the original sum is secure and will be returned, combined with the monthly or annual interest payments on the cash. (Investors can also choose to roll up annual interest, and take it at the end of the bond’s term). These payments are taxable, and can be paid directly into the investor’s bank account.

As is generally the case with bonds, penalty charges are likely to be payable if the bond is cashed in before the end of its term. From that point of view, income bonds are suitable only where the investor can do without the cash for the term of the bond. As Chartered Financial Planners, Principle First offers an advice service covering all aspects of guaranteed investments to clients.

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UK Finance Advice Reforms Essential, Says Life Insurance Comparison Site Quoteboffin.co.uk

The complexity of the many financial services in the UK has resulted in a knowledge gap that leaves some investors and consumers unsure of where they stand, claims insurance comparison site Quoteboffin.co.uk.

The company says that the current debates over financial matters that are taking place in the run up to the elections only serves to further confuse the general public. Quoteboffin believes this increase in the knowledge gap could lead to consumers making rash decisions or choosing to listen to biased or incorrect financial advice.

Financial correspondent Matthew Vincent reported in the Financial Times that the Financial Services Authority (FSA) and independent advisors agree that financial advice in the UK must be reformed. Quoteboffin is concerned that if reforms can’t be agreed on, investors will be at risk of losing out.

“Understanding of financial investments, deals and insurance policies is crucial to ensure that people are able to make an informed choice about the contracts they are agreeing to.

“False, biased or incomplete advice means that consumers could be putting their faith in the wrong person or company, and paying a high price for it.”

The FSA is also vocally backing reforms and is insisting that no matter what the UK elections hold, the government must hold fast to promises that the payment of upfront commission to financial advisors would be banned by 2013.

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The Government’s Ambitious Reforms For Social Care Could Prove Just The Tonic For A Healthier NHS

Announcing his ideas earlier this week, Prime Minister Gordon Brown outlined ambitious plans to reform Britain’s social care with the creation of an NHS-style national care service.

The Government's Ambitious Reforms For Social Care Could Prove Just The Tonic For A Healthier NHS

The reform, which will be set into three stages, will begin with a “radical overhaul” of care in the home that will provide support and services to encourage elderly people to live independently for longer in their own homes.

With lengthy waiting lists topping healthcare concerns for many UK residents, it is hoped that the social care reform will help alleviate future strain on the NHS where increased life expectancy of the ‘baby-boomer’ generation could lead to demand outstripping supply.

A representative for www.quoteboffin.co.uk praised the Government’s attempts to future proof the NHS even though the effects of any social care reform could take years to become apparent:

“The Government are right to have acted on current trends that suggest the NHS could face huge challenges in the future. Budget cuts, a growing population and increased life expectancy all add to an already strained NHS so providing improved support means elderly people are less likely to end up in hospital when they could be living independently or in a care home.

“It’s worth remembering though that the effects of any care reform will take years to filter through. If UK citizens are looking to avoid waiting lists and want guaranteed access to prompt treatment they are still better off going private until the benefits of any reform come to fruition.”

The reform has not gone without criticism however as a number of charities and care groups claim the Government’s aspirations – such as free residential care for anyone who has been in care for more than two years – cannot be backed up by solid and sustained local funding.

QuoteBoffin went on to further explain the concerns of those opposed to the reform:

“The social care white paper has met criticism from a number of charities and groups whose job it is to look after vulnerable people – such as disabled adults – who feel their needs have been ignored in favour of looking after the elderly.

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Quoteboffin.co.uk – Calls For Binge Drinkers To Think About The Bigger Picture As NHS Staff Call In Police Protection

Money saving website – www.quoteboffin.co.uk – is asking weekend party goers to consider the repercussions of excessive drinking after it emerged that the NHS spends tens of thousands of pounds a year on police protection for A&E staff.

Police officers are being drafted in up and down the country in a bid to protect the welfare of doctors and nurses treating patients on Friday and Saturday nights.

Branded a ‘war zone’ in a BBC report, the culture of drinking to excess has seen a sharp rise in the number of NHS workers being threatened verbally and physically by drunken patients in A&E wards.

A spokesperson for Quoteboffin.co.uk urged weekend revellers to show greater respect for the NHS by considering the repercussions of their binge drinking:

“No one deserves to work in an environment where physical and verbal abuse is a reality. NHS staff in particular are there to help but their jobs are made increasingly difficult when faced with aggressive situations.

“Party goers need to remember that alcohol is not an excuse for violence towards anyone; let alone someone who is trying to treat patients who are in potentially critical situations.”

Glasgow’s Royal Infirmary and Western General in particular boasts the most advanced violence and aggression policy in Scotland; the two hospitals currently spend £60,000 a year on police support, CCTV and direct lines to police stations.

Other hospitals in areas like Bristol have felt the need to introduce a police presence throughout the rest of the week in a bid to tackle drunken antisocial behaviour.

Health workers are calling on the government and police to impose stricter penalties on people who attack or threaten medical staff.

QuoteBoffin.co.uk went on to highlight the financial pressures of binge drinking on the NHS and beyond:

“Binge drinking and alcoholism is a costly business with taxpayers collectively forking out over £1.5 bn annually while the short and long term consequences of heavy drinking can substantially push up an individual’s health or life insurance premium.

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New Online Inheritance Tax Planner

Principle First has announced the online launch of its unique Inheritance Tax Planner facility. Developed in close consultation with clients, the unique new online tool enables users to calculate their own personal liability for inheritance tax.

Levied at 40%, Inheritance Tax (IHT) is one of the most important taxes to HMRC (The Revenue Commissioners), and swells the taxman’s coffers by billions of pounds every year. The good news though, for many inheritors, is that a good financial adviser can radically cut a person’s IHT liability, in just a few simple steps.

The new Principle First online Inheritance Tax Planner alerts clients to their current Inheritance Tax liability and when used alongside Principle First’s financial planning advice it could enable them to vastly reduce or completely eliminate their exposure to what has been called ‘the most avoidable tax of all’.

The Principle First Inheritance Tax Calculator is an important tool as it helps with the crucial first step in avoiding this most expensive of taxes which is simply knowing how much could be owed.

IHT can apply to parts of a person’s wealth when they pass funds and assets on to their children. It is a relatively simple calculation based on the total assets in their ‘estate’, less debts and liabilities. Despite this, many people fail to take a few minutes to work out their IHT liability, and then take advice on how to reduce it.

The current tax-free allowance, or ‘nil rate band’ for IHT in 2010-11 is £325,000 (£650,000 for a married couple or civil partnership). This amount however covers a wide range of assets which are included as part of an estate. Calculations need to include the value of properties, cars, valuables, savings, investments, and insurances – less the value of any outstanding mortgage, loans and other debts.

By entering these values into the inheritance Tax Planner, in response to a series of simple questions, the user can calculate the value of their estate, and deduct their allowance to show how much of their wealth will be liable to Inheritance Tax. The calculator will then show how much of that they would have to pay in Inheritance Tax at this moment.

Principle First believes the new online tool will prove to be a simple but valuable asset for its clients which could easily help them save thousands of pounds which they would otherwise lose to HMRC.

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Consumers Need To Exercise Better Online Privacy In A Bid To Protect Insurance Premiums

Policy holders could face price hikes on their insurance premiums or even have claims rejected as the rise and rise of social networking sees more people advertise their whereabouts and holiday plans on the internet.

Insurance provider Legal & General recently highlighted the need for consumers to think twice before broadcasting their vacation plans as thieves could easily scour social networking sites for potential targets and empty homes.

The continued expansion of Google’s Street View program also means burglars have increasingly thorough access to technology that could help them locate vulnerable properties.

QuoteBoffin echoed the call for consumers to exercise better online privacy:

“Social networking sites such as Facebook are a great way to let friends know what you’re up to but people have to remember that some pages can easily accessed by strangers.

“This means absolutely anybody could find out when and for how long you’re property will be vacant which is very dangerous.”

Policy holders are reminded not to give out personal information online, especially updates regarding their plans to leave the country or their home for long periods of time.

Twitter users were recently put in the spotlight after the website www.pleaserobme.com provided real-time updates of empty homes belonging to people using Foursquare to update their exact location.

The creators of pleaserobme.com were slammed for creating a tool for burglars despite claiming they were highlighting people’s willingness to broadcast sensitive information such as postcodes.

Although insurance providers have yet to absorb the risk from social networking into policy premiums, it is up to consumers to protect their possessions by implementing common sense.

QuoteBoffin.co.uk said: “The insurance industry is definitely concerned about the impact social networking could have on our possessions as well as our personal safety.

“Although insurance is there as a safety net during worst case scenario moments, consumers can do their bit to protect their premiums by refraining from broadcasting sensitive information in public forums that could then lead to a claim being made.”

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2009 SABEW Award For Mutualfundreform.com

The blog, www.mutualfundreform.com, has won the top award from the Society of American Business Editors and Writers (SABEW) in the best small blog category. The winning award was made as part of the 15th annual Best in Business Journalism competition, recognizing top publications,Web sites and the best business news reporting during 2009.

The blog,  mutualfundreform.com, won the award primarily for its original 7,000-word investigative series into how little-understood mutual fund fees, revenue sharing deals, high commissions paid to wholesalers and different share classes all benefit mutual fund salespeople and executives more than individual shareholders.

2009 SABEW Award For Mutualfundreform.com

The series, written by the site’s creator, Chuck Epstein, shows how these payments create conflicts of interest between shareholders and investment professionals which make it difficult for individual investors to obtain objective financial advice.

Other issues covered on the blog deal with the failure of SEC regulators, and the need for financial professionals to adopt the same fiduciary standards used by institutional investors and pension fund executives.

The site maintains that the need for mutual fund reform is essential since the load mutual fund industry currently has practices in place which essentially work against their own shareholders.

The creator of www.mutualfundreform.com is Chuck Epstein. He has been a senior writer for two large mutual fund companies and also won first place awards from the Mutual Fund Education Association (MFEA) in 2006, 2007, 2008 for writing and editing the best adviser and/or shareholder newsletters in the large-fund class category.

He also has held senior-level marketing positions with the New York Futures Exchange, Chicago Mercantile Exchange, and written by-lined articles for over 50 financial publications.

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Ditch The Cigarettes On No Smoking Day To Save A Bundle On Your Life Insurance Premium

On Wednesday the 10th of March 2010, hundreds of thousands of people up and down the UK will stub out their final cigarette as they kick the habit and give up smoking for good. Smoking currently claims around 106,000 lives in the UK each year due to a plethora of smoking related diseases such as cancer, heart disease and emphysema.

Ditch The Cigarettes On No Smoking Day To Save A Bundle On Your Life Insurance Premium

Treatment for illnesses caused or aggravated by smoking costs the NHS £5 billion annually.

Life insurance comparison website – Quoteboffin.co.uk – are calling for smokers to embrace No Smoking Day as the perfect time to ditch their addiction.

A QuoteBoffin spokesperson said, “For years smoking has been recognised as something that’s bad for us although it would appear it takes more than just health risks to encourage some people to stop.

Last year No Smoking Day was the catalyst for 1 in 10 people kicking the habit; that’s the equivalent of 900,000 people who will now enjoy improved health and increased life expectancy through one simple lifestyle change.”

Aside from the health benefits, quitting smoking could also save individuals a bundle on their life and health insurance premium.

On average, life insurance premiums for smokers can be more than three times higher than non-smoker premiums; boasting a saving of thousands of pounds for those who are
willing to quit.

QuoteBoffin.co.uk point out the kind of extra expenditures smokers unwittingly make: “The cost of smoking doesn’t just stop at the cigarettes. Smokers depreciate the value of their cars and homes with the smell of cigarette smoke and damage caused by falling ash. Home owners can also expect to pay more for their home insurance since cigarettes cause house fires.

Life insurance provider Aviva recently conducted some research into insurance premiums for smokers. They found that a 25-year-old male smoker will pay £1,800 more over the course of 30 years for £125,000 of cover than his non-smoking counterpart. With smoking causing a massive strain on an individual’s physical and financial well being, the real test comes down to will power; something the No Smoking Day charity are there to help with.”

More information and support for smokers looking to quit can be found at:
http://www.nosmokingday.org.uk/index.htm

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Principle First To Offer Remote Financial Advice

Principle First now offers clients the ability to interact with an adviser online, as they are brought across to his screen to discuss their financial plan using a range of graphical tools, charts and graphs illustrating their proposed or current investments.

Principle First’s remote financial advice service has already been rolled out as a pilot project, and has passed the test with flying colours.

Gareth Flanagan, founder and managing director of Principle First, said: “Our clients have already given our remote advice service a very strong ‘thumbs up’.

“I think people love the idea of tending to their future and current financial planning from the comfort of their own home.”

A potential client can log onto the Principle First website to make an investments enquiry.

The Principle First remote advice service offers visual and graphical illustrations to complement discussions on mortgages, life insurance, tax planning and savings as well.

Gareth Flanagan added: “The real beauty of remote financial advice is its ability to cut through the resistance of many consumers to visit a financial adviser.

“It’s amazing to think that only 20% of consumers seek and accept free, no-obligation help with their financial plan and pensions. Many of those consult only banks and building societies who, due to their limited product range, place their funds in the worst-performing sectors.”

Principle First has found that this resistance is based on three erroneous beliefs, which undermine a customer’s self-confidence in approaching an adviser.

Consumers often believe that financial planning is only for the wealthy, and that they simply do not have enough wealth to justify the attentions of a professional financial adviser.

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QuoteBoffin.co.uk Highlights Insurance As One Of The UK ‘s Few Remaining Essentials As Britain Climbs Out Of The Recession

It’s official, the recession that flaunted a stranglehold over the world’s economic superpowers during 2008/09 has finally loosened its grip.

QuoteBoffin.co.uk Highlights Insurance As One Of The UK 's Few Remaining Essentials As Britain Climbs Out Of The Recession

The end of the biggest recession in 70 years doesn’t mean a return to frivolous spending or reckless borrowing however as a continued slump in car sales and slow growth in house prices shows consumers have quickly come to re-evaluate what constitutes life’s ‘bare essentials’.

As the economic climate remains undeniably gloomy, it’s understandable that many consumers will continue to worry about the security of jobs, borrowings and their ability to pay off debts and other household bills.

In light of this, life insurance comparison site Quoteboffin.co.uk is calling for greater emphasis to be put on the importance of insurance with regard to peace of mind and preparing for the unforeseen especially at an already difficult time.

Quoteboffin.co.uk said it acknowledged the pressure consumers are under in light of escalating debts: “Household debt has been growing at a rate of 6.8% a year and with increased borrowing in the form of credit cards, mortgages and loans it’s understandable that many consumers are feeling considerable financial strain like never before.

From as little as £5 a month consumers can invest in affordable insurance packages like life cover and income protection from market leaders such as BUPA, Aviva and Standard Life. With the economy in a continued state of flux, a monthly premium of£5 is a small price to pay for greater peace of mind.”

On a brighter note, the recession can also harbour some positives for the consumer such as greater financial awareness, decreased impulse spending and a move towards taking out personal insurance cover rather than relying on packages that come part and parcel with employment.

QuoteBoffin.co.uk echoed this idea: “Unfortunately the reality of today’s economy means more and more job cuts are a likely to be forecast. People who have been made redundant or shifted role during a departmental reshuffle need to remember that their employment benefits may no longer include financial protection such as life or health insurance.

Consumers need to take control of their money and appreciate that during times of uncertainty increased financial protection such as insurance can easily become one of life’s most important bare essentials.”

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QuoteBoffin.co.uk Calls For Better Consumer Education On Life Insurance In Order To Tighten Protection Gap

Quoteboffin.co.uk – a new money saving website that offers price comparison on life insurance – is today calling for better education on financial products to be made available to UK consumers.

In a recent report conducted by global reinsurer, Swiss Re, it emerged that just 34% of UK citizens aged 21 – 34 have life insurance.

Uptake on life insurance is much higher for older generations with 74% of consumers aged 35 to 54-years-old securing financial provision.

QuoteBoffin.co.uk believe that the key to tightening the protection gap between the generations lies in an emphasis on planning for the unforeseen at any age.

“The importance of financial protection like life cover can be difficult for consumers to appreciate until the unforeseen actually happens. Given their age, young people might not think life insurance is relevant to them or view it as a sensitive topic that is difficult to discuss with family or friends. Given today’s financial climate that’s seen increased job losses and economic uncertainty as whole, it’s never been more important to build a strong financial foundation, regardless of age.”

71% of people still believe that their household finances are stable enough to cope in the event of a long-term illness, disability or death; regardless of low levels of financial provision.

Although the past five years has seen a jump of 7% in the number of consumers applying for life insurance, the main reason for UK citizens choosing to ignore financial protection is an understanding that the product simply isn’t necessary.

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Life Insurance Packages From Aviva And BUPA Now Available Via QuoteBoffin.co.uk

A new money saving website that compares prices on life insurance packages has announced customers can now get quotes from market leaders BUPA and Aviva when they enquire via QuoteBoffin.co.uk.

Life Insurance Packages From Aviva And BUPA Now Available Via QuoteBoffin.co.uk

QuoteBoffin.co.uk which launched early this month, is the latest price comparison site to hit the ether. The price comparison industry itself has proved a recession defying success given its 30-50% growth in the past couple of years alone.

QuoteBoffin.co.uk believe their partnership with brokers who offer life insurance packages from market leaders will immediately stir up interest among consumers:

“Although a new company to the price comparison field, QuoteBoffin.co.uk want to offer consumers the very best products from the word go. To do so QuoteBoffin.co.uk will work with brokers that cover life insurance providers such as BUPA and Aviva. This means consumers are not only getting tried and tested life cover from long established companies but are also ensuring they get a highly competitive price at the same time.”

Market leaders for life insurance in the UK and beyond, BUPA and Aviva offer consumers and their loved ones peace of mind and financial support at an understandably difficult time.

Although both providers offer a lump sum towards unpaid bills and other financial obligations, there are also added extras such as access to expert support through the BUPA HealthLine and a £15 Marks and Spencer voucher for Aviva customers.

QuoteBoffin.co.uk thinks consumers will not only be impressed with the price of life insurance but the range of packages available as well:

“A wide range of providers is important not only so consumers can compare prices but also so they get a level of cover that’s right for them. As a company, we appreciate that one person’s circumstances, preferences and budget will differ greatly from the next so QuoteBoffin.co.uk is celebrating diversity as well as customers getting a great deal on their life insurance.”

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quoteboffin.co.uk – Urges Consumers To Renew More Than Just Their ISAs As The End Of The 2009/2010 Tax Year Approaches

Traditionally, April sees a flurry of financial activity as savers rush to renew their ISAs with the current tax year drawing to a close and a new session starting afresh. With a plethora of competitive packages and ISA bonuses to entice shoppers, there’s never been a better time to tighten up your finances by getting a great deal on tax-free savings. Although ISAs will be the financial flavour of the month, what’s to stop consumers from shopping around for a better deal on other products at the same time?

New money saving website – Quoteboffin.co.uk – is asking just that. A price comparison website that compares life insurance packages from a variety of providers, Quoteboffin.co.uk is urging consumers to see April the 5th as more than just a deadline for ISAs.

“The increased focus on financial services and products that the end of the tax year brings shouldn’t just centre on savings products. It takes no time at all for consumers to sit down and reassess whether their current insurance and savings packages are the most rewarding and cost effective options on the market for them; especially when using price comparison websites like QuoteBoffin.co.uk”

Although the UK has officially left the recession behind, consumers should continue to save and rechannel money they might have splurged on high end, luxury goods into building a firmer financial foundation.

With the growth of price comparison websites boasting a 30-50% increase year on year, consumers are spoilt for choice when comparing everything from home and contents insurance to wedding or golf cover.

QuoteBoffin.co.uk reiterates the hidden benefits of price comparison in the current financial climate:

“The end of the recession doesn’t mean consumers should become disinterested in what happens to their money. Go online and consumers are spoilt for choice when it comes to price comparison sites that can save people hundreds of pounds. If consumers shop around at the start of April they could benefit from significant savings that are easily reinvested in a holiday, home improvement or even some early savings for Christmas.”

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quoteboffin.co.uk – New Money Saving Website

As the UK emerges from the recession with economic growth up 0.1% and unemployment falling for the first time in 18 months, it’s easy to get sidetracked by the future and forget to learn lessons from the past.

quoteboffin.co.uk - New Money Saving Website

Although the recession saw a dramatic slump in consumer spending on high end products such as cars, luxury holidays and property, recent trends show this too is on the up with the promise of better times to come.

New money saving website, Quoteboffin.co.uk, is urging consumers not to get carried away however and to remain frugal with their money, especially when shopping around for financial products.

“Consumers shouldn’t perceive the end of the recession as a green light for reckless spending or to become apathetic about what happens to their money. Go online and consumers are spoilt for choice when it comes to price comparison sites that can save people hundreds of pounds. Quoteboffin.co.uk in particular helps consumers compare life insurance packages from numerous providers. Saving money on necessities such as life insurance gives people the option to indulge or invest in other areas of their lives which they otherwise might not have been able to do.”

The popularity of the price comparison website is a recession defying success story. Price comparison services are growing at an annual rate of 30% – 50% and became particularly popular during 2007 – 2009 when the recession was at its peak and consumers were eager to save money.

In a nutshell, price comparison services allow consumers to compare financial products from a range of providers. Price comparison websites do not sell the products themselves but source information from retailers from whom consumers can buy from.

Quoteboffin.co.uk emphasises the benefits of such as service in a post recession UK:

“QuoteBoffin.co.uk and its competitors update their databases on a daily basis to ensure consumers get the most up to date prices at the click of a button. Quoteboffin.co.uk in particular is free and easy to use, meaning its never been easier to save money on life insurance.”

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Compare Life Insurance Quotes From A Wide Range Of Providers

Since the start of the global recession in 2008, consumers have become more and more frugal with how they spend their money and approach their finances as a whole. Redirecting funds from high end or luxury products such as property and cars, consumers have begun to avidly protect their savings as well as shop around for better deals on other financial products.

Compare Life Insurance Quotes From A Wide Range Of Providers

It’s no surprise – with an increase in market activity – that life insurance premiums are the lowest they’ve ever been with prices gradually dipping over the last ten years. With insurance providers across the board offering competitive deals whilst attempting to stave off the recession themselves, it would seem the arrival of QuoteBoffin.co.uk couldn’t have come at a better time.

The new QuoteBoffin.co.uk website [ http://www.quoteboffin.co.uk ] allows consumers to get competitive quotes for life insurance by comparing the market. Once completing a simple online form, QuoteBoffin.co.uk aims to have an advisor contact consumers within 24hours to discuss the most economical and competitive options available from a range of insurance providers on the market.

Refreshing offers and provider database on a daily basis, QuoteBoffin.co.uk vows to be “a one stop shop for some of the most up to date life insurance quotes on the market today.” The company also hopes that their emphasis on simplicity, ease of use and the clarity of their online form will encourage people to get a better deal and compare life insurance quotes to save both time and money.

The newly launched QuoteBoffin website also emphasises the importance of life insurance cover describing it as ‘invaluable’. Currently less than half the UK population have life insurance which – should there be a death in the family – can leave loved ones the unfortunate task of having to pay off huge debts or mortgages in the name of the deceased. Organising an affordable life insurance package not only takes moments to do but ultimately provides peace of mind.

About QuoteBoffin
Quoteboffin.co.uk is an online insurance comparison website offering life insurance comparison tools that allow users to search the market and procure the best life insurance policies and quotes.

Via EPR Network
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Understanding Texas Home Insurance Options

It is a smart idea that no matter what state you live in, you familiarize yourself with the types of policies and market rates for that particular state. Texas is no exception to this rule so it is important that when you’re shopping online for home insurance quotes you know what policies insurance companies in Texas offer.

Understanding Texas Home Insurance Options

According to an article recently published on InsuranceAgents.com, searching for homeowners insurance quotes in Texas is just like searching for homeowners insurance quotes in any other state, only the rates may fluctuate from company to company. However, the types of policies are usually standard no matter what company you check out.

The article states, “Insurance companies in Texas offer their own particular policies that are relevant solely to Texans. Once you have a sampling of what Texas homeowners insurance offers you can shop for homeowners insurance quotes more effectively.”

Via EPR Network
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