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Important Hub for Refinancing Options in the Norwegian Market

With mortgage rates at an all-time low, more and more people are looking to not only buy homes but also to refinance existing mortgages in order to lower their monthly payments.

Norway is just one of the countries in which refinancing has become popular in the last few years.

Refinancing a mortgage can be a long and complicated process but the refinansiering.no.com website hopes to make this process easy for customers by providing a hub full of information about refinancing options in the Norwegian market.

The website offers all sorts of information including a blog full of hot topics about mortgage refinancing.

Refinansiering.no.com not only focuses on mortgage refinancing but also on refinancing of high-interest credit cards and other high-rate loans.

All the information crucial to any refinancing topic is available at this site.

“Our goal is to provide consumers with everything that they need to know about refinancing a mortgage” states PederWilhelmsen, the writer for refinansiering.no.com.

“Refinancing is something that more people should take advantage of, yet many people think that it requires too much time and don’t know the basics”.

At refinansierng.no.com we give potential refinances everything they need to know before starting the refinancing process.”

Refinansiering has recently expanded its attraction to customers by offering a range of informative videos about the refinancing process and requirements.

The company will also refer borrowers to the best financial institutions for their particular situation.

Those looking for refinancing information about mortgages may find the following article valuable as a starting part in the process:http://www.refinansiering.no.com/refinansiering-av-boliglan.

When looking for a wealth of information about refinancing your mortgage in Norway, therefinansiering.no.com website could prove to be incredibly useful and an important part of one’s refinancing process. For more information visit: http://www.refinansiering.no.com/.

Via EPR Network
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SpeedyLoansearch.com Improved Its Online Payday Loan Processing

Speedy Loan Search offers short term lending service to its consumers around the United States. Quick payday loans online are one of the leading financial services that enable people to apply for some cash. It goes without saying that there are a lot of websites that offer this service on the Internet, but SpeedyLoanSearch.com has an edge over them, because of easy and secure application form, and a lot of trustful and interesting information about short-term personal loans.

The fast approval and simple eligibility criteria make this service a great option in comparison with traditional banks and credit unions. “Almost every person of more than 18 years old is familiar with monetary difficulties which occur sometimes. There is no surprise that some additional funds can be really helpful in such cases, especially if the desired amount can be obtained within 24 hours! With the help of SpeedyLoanSearch website the extra cash can be taken out with no delays” – says the loans manager at the company.

Actually, online personal loans gained their popularity as they can be fulfilled without leaving cozy chair at home or workplace at office. Besides, they are convenient, quick and require least time and efforts to be completed. No fax cash advance online turn out to be a really good choice for individuals in urgent need of additional money.

There are almost no reasons which can prevent a consumer from getting payday loans with SpeedyLoanSearch.com, of course, if he or she is a legal citizen of the United States of at least 18 years old (the available amount depends on the terms of the direct payday lender dealing with your request and varies from one state to another). Besides, current employment or stable monthly income is required. The requested amount will be transferred directly into the borrower’s bank account that must be valid and active. Any individual interested in this fast service via SpeedyLoanSearch may get more info on the website.

Well, it is obvious that payday lending service that was created to satisfy the needs of the consumers in financial emergencies. That’s why, the service is fast and provided with quick approval. The process of borrowing takes minimum time, usually several hours, as everything is simplified for consumers’ convenience.

Via EPR Network
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Prudential reveals more than 2 million couples have never discussed finances together

Prudential reports that many British couples are burying their hands in the sand over their financial situations. One in seven* (14 per cent) couples over the age of 40 – or around 4.2** million people – admit they have never discussed their finances.

Fears about having awkward conversations drives this behaviour, with 15 per cent of those surveyed admitting they feel uncomfortable talking to their partners about financial planning.

A concern that these conversations will boil over into arguments is another reason that couples avoid talking about their finances – money is the third most likely subject to cause arguments among couples, with nearly one in four (23 per cent) claiming that they fight over finances, ahead of work (10 per cent), and politics and religion (5 per cent). Only household chores (27 per cent) and disputes about family (30 per cent) are more likely to cause disagreements.

Even for the majority of couples who do discuss their retirement plans, long-term issues are likely to be side-lined, as short-term everyday expenses take priority. Daily living costs and household bills are regularly discussed by the majority of couples (60 per cent and 52 per cent respectively), and one in three couples (34 per cent) speak about the costs of home improvements, large purchases and luxuries.

However, discussions about long-term planning are far less prevalent, with only 16 per cent of couples claiming to regularly talk about retirement income and pension planning. Only 3 per cent of couples claim they have had conversations about inheritance planning and tax.

Vince Smith-Hughes, retirement expert at Prudential said: “Money can be a tough topic to discuss at the best of times. Many couples prefer to steer clear of conversations about finances, and especially discussions about longer-term issues like retirement which might feel light-years away. Yet it really pays to be honest about your financial situation. Being open about discussing long-term financial planning as early as possible will help couples to ensure they can enjoy a comfortable retirement together.”

Only 13 per cent of respondents said they had seen a financial adviser with their partners in the past five years. A further 13 per cent say they or their partner has seen an adviser separately within this timeframe and 8 per cent have seen an adviser but not within the past five years. The vast majority (66 per cent) have never seen a financial adviser to discuss retirement or pension planning.

Vince Smith-Hughes continued: “Websites like www.pensionsadvisoryservice.org.uk andwww.moneyadviceservice.org.uk can help with some in-depth information about retirement options. A joint conversation with a financial adviser should help couples to make the right pension savings decisions during their working lives, so that they’ll have the right income to support their lifestyles in retirement.”

Via EPR Network
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Confused.com reveals that barking mad Brits leave homes unprotected

New research from home insurance expert, Confused.com has revealed that UK homes are woefully unprotected against intruders with more than three in five (61%) having absolutely no security systems set up.

Latest statistics from The Office of National Statistics (ONS) show that in the past year (2011-12), the UK has been subjected to 677,000 burglaries, yet Brits are still failing to protect their homes against unwanted intruders.

With so many attacks on homes in just 12 months, it’s unsurprising that more than a third (38%) of Brits rarely or never feel safe in their own homes. Despite this, a worrying two fifths (42%) don’t have basic security systems such as motion sensors in place, while a third (33%) don’t even have security lights set up.

ONS figures reveal that flats in urban areas that have been lived in for less than a year are the most likely to be targeted by intruders and burglars. Houses with an annual income of less than £10,000 are also among the most tempting targets for pesky prowlers.

While Brits are woefully unprotected against unwanted visitors, they do believe that deterrents would help allay their fears. A quarter (25%) of UK homeowners believe that guard dogs make for the best intruder deterrents, and in fact nearly two thirds (61%) of dog owners admit to leaving their dogs at home while they’re away on short breaks to ward off would-be burglars. With almost nine in ten (88%) Brits admitting that just seeing an unchained dog on a property would be enough to stop them from entering, it’s undeniable that having a dog at home is an effective deterrent of burglars.

However, an ‘attack’ from a guard dog doesn’t need to be physical to be effective. Nearly a fifth (19%) of respondents admitted that the bark is the most unnerving thing about a dog. A Labrador’s bark is seen as the third scariest (7%), just behind Pit Bulls (9%), while German Shepherds (45%) are the clear winner. German Shepherds have a history of being effective guard dogs. Their size intimidates intruders, and the Guinness World Record holder for the World’s Loudest Bark is held by a German Shepherd as well.

World Record holder, Daz, of Clacton-on-Sea can bark at up to 108 decibels and has been instrumental in keeping his house safe.

With his in mind, Confused.com has launched a free-to-download audio recording of Daz which homeowners can leave playing in their home while they’re out and about. Daz barks intermittently on a reel to create the illusion that the house is occupied and to scare off would-be-intruders so that people across the country can go about their business, safe in the knowledge they’ve got a more secure home. The Doggie Deterrent audio file can be downloaded here - www.confused.com/home-insurance/dogs-prevent-burglaries-for-barking-mad-brits.

Gareth Kloet, Head of home insurance at Confused.com, said: “There are plenty of simple steps you can take to reduce the risk of your home being burgled. Drawing the curtains at night when you’re out; installing security lights and fitting an alarm that’s working are just a few. What’s really stood out in this research is the positive impact having a dog at home has on home security; it helps deter intruders while reassuring the homeowner as well.”

Via EPR Network
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Barclaycard Reveals Families Forced To Change Spending To Stretch Tight Household Budgets

A new study* commissioned by Barclaycard has revealed the role of the domestic goddess is changing, making way for a new breed of domestic economists, as households are forced to take more control of their finances and stretch tight budgets further.

The research, commissioned by Barclaycard with Mumsnet members, highlights that, despite the economy showing signs of growth, families are being forced to get savvier with their spending as more than half (52%) have changed the way they spend to maximise what they earn through rewards. Similarly, two thirds (65%) admit to keeping a regular check on reward and loyalty points, demonstrating that it is becoming essential for boosting their family’s finances.

Interestingly, it seems there has been a shift in roles in the household. Whilst most families continue to follow the tradition of having one main income earner, the financial responsibility of the supporting partner is becoming more important as a result of the recession. Although they don’t bring a wage into the household, almost one in five see their role as managing the household finances and making budgets work harder.

Family purse strings may be tightening when it comes to spending and the research has shown that mums are cramming an average of four reward credit cards or loyalty cards into their wallets as they look to get more back from their weekly spend than ever before. When it comes to indulging in rewards, having time together as a family is a priority with the most popular choices being to treat the family to a day (75%) or meal out (67%).

Kirsty Gallacher, TV presenter and busy mum, commented: “Reward cards are a great way to get savvier with your spending, as they enable you to get more from the purchases you make. Barclaycard’s new Freedom Rewards credit card means that you don’t need to fill your purse with lots of different cards – you have one card that you can use everywhere.

“Having two young boys, I know just how important it is to spend quality time together as a family, so it’s no surprise that people prioritise treating loved ones when redeeming rewards.”

Nick Clements, Managing Director at Barclaycard UK said: “Despite the economy growing over recent months, families are still feeling the pinch and are always looking for ways to earn more from their everyday spending. Our customers want the flexibility to look for the best value without being tied to shopping at just one brand.

“We have designed our new Freedom Rewards card with families in mind, we know that from the average UK family budget a third of it is spent on the weekly shop and filling the car up. As a result, the Freedom Rewards card offers double points on any UK supermarket or petrol spend.

“Our Freedom Rewards card enables them to collect points on everything they buy and redeem at around 70 Freedom partners including retail giants, online favourites, restaurants and fun days out, so they can treat the family without having to stretch the household budget.”

For more information on Barclaycard Freedom Rewards card, visit:http://www.barclaycard.co.uk/freedomrewards

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EquityRelease.net Publishes New Beginners Guide Factsheet For Equity Release Mortgages

The equity release resource website EquityRelease.net is pleased to announce that they have added The Essential Equity Release Factsheet to the website to provide UK residents with a concise and easy-to-read introduction to equity release schemes in the UK. EquityRelease.net is an independent equity release information resource website that provides a detailed information resource of equity release as well as free equity release advice and quotes.

Many older UK residents look forward to retirement as a time when they can engage in hobbies and activities that were not possible when they worked. Unfortunately, there is growing concern over whether people’s pension and retirement savings are enough to maintain their standard of living and spend their time as they please. As many retiring homeowners look into equity release as a means to provide the income they desire in retirement, the information website EquityRelease.net hopes to answer their basic questions with the addition of “The Essential Equity Release Factsheet” to the website.

“Our goal as always is to help older UK residents understand how equity release in their homes actually works, and the new infographic reduces our voluminous information contained on the website to its most basic terms, primarily using graphics to explain how equity release works,” said an EquityRelease.net representative.

As an introduction to equity release, the fact sheet begins by explaining the basic nature of home equity release. The equity of a home is the current value on the open market minus the debts held against it. Equity release allows the homeowner to obtain cash for this value without having to move out of their home. Equity release is for individuals over the age 55 who own property valued at around £70,000 or more, and most schemes also stipulate a minimum and maximum amount that can be released.

A common question answered by the fact sheet is who can take advantage of equity release. The new infographic shows the general profile of people that routinely take advantage of equity release as well as the eligibility requirements that they must meet to qualify. Many people have a fear of losing their home with equity release schemes so the fact sheet explains the limited risk of losing a home and how it can be avoided.

When it comes to the basics of releasing equity, readers will learn about its two forms, which include lifetime mortgages and home reversion plans, which are both approved and regulated by the Financial Services Authority (FSA). While the Essential Fact Sheet infographic is meant to be an introduction to equity release, readers can find far more detailed information on the website about all aspects of equity release. Website visitors can also take advantage of free advice and a quote provided by one of their specialists. For more information, please visit http://www.equityrelease.net/

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Confused.com reveals that men named Brian have the best credit profile in the UK

Confused.com has revealed men named Brian have on average the best credit profile in the UK, while for ladies it is Helen.

In contrast, the first name with the poorest average credit profile is Lisa, while the male equivalent is Daniel.

Confused.com, the comparison site, analysed data from thousands of its customers who have used its free Credit Card Matcher Tool this year to reveal the names with the best and worst credit profiles in the UK. Confused.com is urging consumers to think about their credit history before they apply for a credit card, as a rejected application can negatively affect your credit score.

When it comes to surnames, people with the last name of Edwards have on average the best credit profile in the UK. Meanwhile, the surname with the lowest average credit profile is Thompson.

As well as a credit name lottery of sorts, the research reveals the existence of a postcode lottery when it comes to good and bad credit. The UK postcode with the highest average credit profile among its residents is SL4 in Slough. Meanwhile, SA1 in Swansea – the postcode with the poorest average credit profile – has a score 10% below the national average.

The research shows that age also makes a difference when it comes to credit scores as on average people’s credit history improves as they get older. Average scores for people aged 65 and over are 8% higher than the national average, according to the research. Meanwhile, the age bracket with the worst average credit profile is 18 to 24 – 4% lower than the national average.

Nerys Lewis, head of credit cards at Confused.com, said: “While our research shows the names with the best and worst credit profiles in the UK, people’s names are obviously not a rating factor when looking at credit. So if you’re called Brian you won’t automatically be gifted with a great profile, or penalised because your name is Lisa.

“We would encourage people to think about their credit history as a good or bad score can have a number of implications, such as your likelihood of acceptance for credit cards and also loans and mortgages.

“There are certain things you can do to improve your situation if your credit history is non-existent, or not quite up to scratch. For example, a credit building card may be one option. By using a credit building card sensibly, you demonstrate to lenders, such as banks, that you can borrow and pay back money responsibly. This in turn helps to build up your credit history.”

Confused.com’s Credit Card Matcher Tool allows people to check their likelihood of acceptance for a credit card before they apply.

Lewis added: “By using our free Credit Card Matcher Tool, people can potentially avoid a negative credit card application. If you apply and are not accepted then a lot of people aren’t aware that this can harm your credit score.”

Via EPR Network
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Confused.com reveals the benefits and dangers of Baby on Board signs

Confused.com has teamed up with Brake, the road safety charity, to highlight the benefits and dangers of ”Baby on Board’ signs and remind parents about safety for younger passengers.

37% of parents (almost 2 in 5) have displayed a ‘Baby on Board’ sign either currently or in the past. Now it’s time to find out if they are a help or a hazard. Confused.com’s new research among 2,000 drivers (50% of whom have children under 16) found that 80% of the parents who use baby on board signs think they improve safety, while 46% of drivers said that ‘Baby on Board’ signs obscure vision when driving.

Confused.com’s research discovered that clutter is a concern among many drivers, and having too many novelty items displayed could be a safety issue. 51% of all those questioned said they think other drivers display too much clutter in their car windows, such as stickers and novelty items. 15% of drivers who do exhibit these signs admit they do so simply because they are a cute/novelty item while 4% only display one because they received it as a gift.

Brake’s experts have confirmed that window clutter can be an issue on the road, but acknowledge that baby on board signs can also have a safety benefit.

Julie Townsend, Deputy Chief Executive at Brake, said: “Baby on board signs can be incredibly helpful for emergency services at the scene of a crash in knowing whether there’s a child involved, but this help can become a hindrance if drivers display signs when their child isn’t in the vehicle. Worse still is the danger that can be posed by drivers obscuring their view by cluttering up windows with lots of signs. Drivers’ priority should always be getting there safely, without putting themselves, young passengers or other road users a risk. That includes ensuring your view isn’t obscured and you remain fully focused on the road.”

The research also found that drivers who have never displayed a ‘Baby on Board’ sticker or do not drive children around are more likely to think the signs are tacky (34%) or dangerous as they obscure vision (18%).

Meanwhile, 46% of people who drive kids around say they have driven with a ‘Baby on Board’ sign and 22% of these say they always display the sign.

Confused.com’s survey also reveals that 14% of parents with under-16s think ‘Baby on Board’ signs are uncool/not trendy and 33% of drivers think the signs are ‘tacky’. Interestingly, it’s women who are most likely to disapprove of the signs, with 35% of women questioned saying the signs are ‘tacky’ while only 31% of male drivers felt the same.

The research also found that a quarter of parents aged 18-24 (who have young children) always display a ‘Baby on Board’ sign when they drive. This age group is also most likely to display novelty stickers in their car window, compared to drivers of other ages. 18-24 year-old drivers are least likely to say that other drivers display too much clutter in their car windows.

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PaydayLoans@ Company Provides Faster Application Procedure

Money has always been an issue for some category of people. It has always been hard to earn money and to save it. Even now after several hundreds of years later the situation is basically the same. Nothing has changed. Even now people have the same financial problems when they lack money and are not able to find a way-out. A sudden urgency may occur when the person does not obtain a required sum and he/she does not know where to find the required funds.

Still, a perfect way-out has been found out. Taking into consideration all the financial and life obstacles in the modern society it is quite difficult to stay on top of the financial life. That is why the companies that have deal with small loans, have thought over every possible point to make the procedure even easier that it used to be.

PaydayLoans@ belongs to the privileged group of the companies with a friendly and highly professional staff. It suggests its customers the most convenient way to receive the payday loan online in a hassle-free and fast way. There is no need to gather all the personal and financial documentation into one file and drive it or send to the bank. The only thing is required is an Internet connection.

To order a loan till payday at PaydayLoans@ company is the most simplified way to do this. The usual procedure is about fulfilling a simple online application form, submitting it, waiting for a reply from a lender by phone or via e-mail, receiving money in 24 hours. Money will be automatically sent and withdrawn from the customer’s personal bank account.

Instead of roaming all over the city looking for the appropriate bank which will agree to give a small loan, it is so much easier to find a site of PaydayLoans@ company and fulfill an easy application form online. The entire process takes approximately ten-fifteen minutes of time and is simplified as much as possible. For more information read this article regarding the service offered on the website.

A lot of people were hesitating at first while applying for the payday loans, but later on they had realized that those loans were the most convenient way-out of the tough financial issue that might occur to anyone.

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Research Show 4.4 Million over 21s Still Rely on the Bank of Mum and Dad, reports Bower Retirement Services

Research from LV = reveals 4.4 million over 21 year olds still borrow money from their parents. The average monthly donation from parents to adult children is £175. This is used to cover rent, bills and help pay off debts. Additionally £9,476 is awarded to fund weddings, holidays, further education and to help young adults get onto the property ladder. Although it helpingyoung adults is hardly surprising, the research revealed parents expect to continue to support their ‘children’ until the age of 38, now the average age of a first-time property buyer.

This obviously puts great financial strain on Britain ‘s parents. It eats into retirement funds and one in ten parents surveyed by LV = admitted they had spent everything they had on their children. The issue isn’t going to go away soon, particularly if predictions that the average age of a first-time buyer will be 41 by 2025 are correct.

Parents need to prepare for the future early to ensure they are well equipped financially to provide for themselves and help out their grown-up children when necessary. There are several options available, but with interest rates currently being so low, saving plans aren’t the most viable option.

Equity release plans are a more effective option for homeowners. Bower Retirement Services, an award-winning equity release advice service, can help homeowners find anequity release plan that’s right for them.

There are four types of plans available: lump sum lifetime mortgages; lifetime mortgage with flexible cash release, also known as a drawdown mortgage; interest only lifetime mortgage and home reversion plans.

The most suitable, and now the most popular comprising 68% of the market, are drawdown plans. Homeowners are lent money based on their property’s value and additionally can withdraw regular cash amounts at a frequency and value chosen by the individual. Interest is charged, but it’s only repaid when the homeowners die or move into permanent care. These mortgages allow parents to look after themselves during retirement but also offer the ability to provide assistance to their offspring.

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Equity Release Becoming Popular Retirement Fund Solution for Baby Boomers, say Bower Retirement Services

The total value of equity release advances from April to June 2012 was £224.8 million, reported the Equity Release Council, an increase of 22% on the same period of 2011. Additionally, this amount represents the highest quarterly figure since 2009 (£231.7 million). Furthermore, the real number of plans grew by 16% between Q2 2011 and Q2 2012 showing interest in the market is up, along with actual value.

According to the Equity Release Council’s figures, people are now choosing to take drawdown plans instead of lump sum mortgages. This shows they prefer to spread risk and use equity release as a retirement income. The news comes as its revealed retired homeowners now have a total unmortgaged property wealth of £756.7 billion.

Bower Retirement Services, which offers award-winning specialist equity release advice, says equity release is a simple and effective option for homeowners looking to provide for their retirement and it exploits the property price rises of the last forty to fifty years. Many in the baby boomer generation lost large amounts in pension blunders in the nineties and again in the last recession. However, thousands continue to be locked up in property, potentially providing a retirement income for homeowners.

Bower Retirement Services offers advice on all types of equity release, from lump sum lifetime mortgages to home reversion plans, and its equity release calculator is designed to help homeowners accurately gauge how much cash they can expect to release on each type of plan.

There are four types of equity release plan, but drawdown plans now the most popular, accounting for 68% of the value of the entire equity release market. Bower Retirement Services says these types of mortgage are most suitable to homeowners looking to provide themselves with an income during retirement. The lender loans the homeowners a percentage of the property’s value and also agrees to pay a regular cash sum, or ‘drawdown’ on the mortgage value. Interest is accrued, but it is not charged until the homeowners die or move into long term care. Homeowners choose the term and value of the drawdowns, offering more flexibility than a standard remortgage plan.

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Confused.com Reveals That A Third Of UK Workers Admit Pulling A Sickie

Confused.com has revealed more than a third of workers (35 per cent) admit having lied to their boss about the reason they have missed work. Popular excuses workers use to pull the wool over their employer’s eyes include flu, stomach aches, diarrhoea and bad backs. However, the astonishing number of people who still go into work when they are actually unwell implies a dangerous culture of ‘presenteeism’.

The poll of 2,000 UK workers also reveals the top five professions where people are more likely to make up an excuse to their boss about missing work. These are call centres (54 per cent), utilities (47 per cent), the voluntary sector (45 per cent), health (43 per cent) and fashion and design (42 per cent).

Meanwhile it also highlights the regions where workers fib the most too. These are East Anglia (40 per cent), the East Midlands (38 per cent), the North East (37 per cent) Yorkshire and the Humber (37 per cent), and the South East (37 per cent).

Despite many employees making up excuses to have a day off, many more still soldier on and go in to work despite feeling unwell. More than half (55 per cent) of people polled said they had gone into work when they felt too ill to do so because they were worried about what their boss or colleagues would think.

Confused.com is warning UK workers to consider what protection they have in place in case long-term illness does strike. Matt Lloyd, Head of Life Insurance at Confused.com, said: “Our research suggests that the culture of turning up to work ill is more of a threat than ‘pulling a sickie’. It is very worrying that workers are not prioritising their own health and feel that they cannot take a day off sick when they are genuinely unwell.”

Matt Lloyd continued: “With many people experiencing a lack of job security over the last few years, it’s a really important time to think about protection products, such as income protection and critical illness cover, especially if you have dependents such as children or you have regular payments to make such as a mortgage.”

The research also shows that women are more likely to worry than men about taking time off sick – 64 per cent say they have been into work when they felt ill because they were afraid their boss wouldn’t believe them. Nearly half (47 per cent) of men said the same thing.

More than one in 10 workers in the UK has missed work due to a hangover, according to the study. People from the North East are most likely to miss work after a heavy night out – 15 per cent of workers polled from the region said they had missed work because they were hungover.

Other common reasons why people had missed work include simply staying in bed to catch up on sleep (10 per cent).

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Payday Loans UK Have Announced That They’ve Added A Further 10 Payday Lenders

If you’ve ever tried to find a good payday lender before then you’ll more than likely know how difficult that it can be to find a lender that suits your own particular borrowing needs as they all have different lending critera and terms. However, instead of going from one payday lenders site to another you can now just use a service like the new one offered by www.paydayloansuk.org.uk to compare multiple lenders at once.

Payday Loans UK compare loans from more than 30 different payday lenders so that you get the best deal but over the last few days Payday Loans UK have announced that they’ve added a further 10 payday lenders to their site.

Speaking on behalf of Payday Loans UK, Russell Beech said “We’re delighted that we’ve teamed up with another 10 lenders so that people have more of a choice to choose from when using our site”. As well as this, Russell also commented that Payday Loans UK “plan to add even more payday lenders in the near future too”. This is great news for consumers as more competition usually leads to more competitive prices so the APR that these companies charge will almost definitely come down very soon.

Not only this, but many of the new lenders that have been added to Paydayloansuk also have a swift payment option which basically means that if you get a cash loan with one of these companies you could have the money that you borrowed within just 15 minutes!

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PaydayLoansAt.com Launches Online Loans With Direct Processing

There are so many different options to get money when there is a need: to rob a bank, for example. Still this act will be considered as illegal. PaydayLoans@ company suggests its customers most important, a legal, easy and the most convenient way to get money in a fast and hassle-free way.

No documentation, paperwork and gathering all the information will be required from the consumers as the service is totally faxless and online. That is the reason why the payday loans online at PaydayLoans@ are so well-utilized by the clients. Most people have got a very traditional type of
thinking. Therefore when they are asked of the place where they are able to get a loan, even a small one, they will answer that this perfect place is bank. The trick is that they are mistaken. They will never get small loans at the bank. Still a customer will have to collect all the paperwork concerning his/her personal and financial data, and even some more that does not have any sense.

That is why one of the best and most experienced companies such as PaydayLoans@ has improved its brilliant service of the payday loans online. It has made the loans with same day processing. So, now it is possible and extremely easy to avoid all the fuss and receive an approval at the same day.

Generally the procedure of getting a loan till pay day is all about ordering the required funds till the salary arrives. And when it does, the given money will be automatically withdrawn from the personal bank account. Such kinds of loans are very popular nowadays as there is no credit checking provided by the direct payday lenders.

The process involves several steps. Firstly, there is a necessity to fulfill an application online that is on the company’s site, which consists of several basic questions that will take the customer just 10 minutes and no longer. After having submitted the form, it will be automatically sent to the lenders and they will decide about the customer’s approval. But there are no reasons to worry, for the service is very democratic and loans are given almost to everyone. Having got an approval, the customer will be informed by phone or with a letter via e-mail. He/she will be contacted within one-two hours. That is the newest achievement of the company as then money will be transferred directly to the client’s personal bank account.

Via EPR Network
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Debts, Financial, Financial Services, Loans, Money, Personal Finance

LoanAdvances-PaydayLoans Reports Spike in New Applications and Reapplications

Loan Advances-Payday Loans has reported a significant rise in the number of loan requests that have been processed and approved over the last 2 years. This was the main gist of the performance report which was presented by Donna Millstone, Division head for short term loans and debts.

In a year to year comparative performance review, the company has posted a 74 percent increase in the number of payday loans that have been processed and approved, and of this number, nearly half of it is comprised by reapplications.

Millstone attributes these positive performance indicators to the strategic positioning by the company in the highly competitive market for subprime payday lending service which was anchored on topnotch customer support and high approval rates.

In a related development, QEC Money, an independent think tank that advocates consumer welfare and proper money management, has reported that the demand for payday loans and other similar short term loans has grown by nearly 60 percent over the last 6 months of the current year.

According to a reliable source within the group, this dramatic jump in the demand for short term loans is a clear indication that an increasing number of Britons are feeling the pinch and are constantly searching for ways to keep their heads above water. “In most instances, they have opted for a pre-payday quick fix,” the unnamed source explained.

LoanAdvances-PaydayLoans.co.uk has had a remarkable 37 percent approval rate since its entry into the subprime lending market. The loan requests are normally approved in less than an hour and borrowers can rely on a quick transfer of funds to their bank accounts. In addition to this, the company has also proven its mettle in providing fast and professional support and assistance to its clients for a wide range of concerns and issues.

“We adopt a cutting edge processing and referral system and we have a solid track record when it comes to our response to loan request of potential borrowers,” Millstone added. Known for its uncompromising advocacy for responsible lending practices, the company has continually endorsed applications and been transparent around costs for appropriate short term need for cash of prospective clients.

Millstone is quick to add that despite the criticisms and negative reports on this subprime lending service, it remains to be a popular and highly
proven financial tool for a significant number of Brits who are going through short term cash crunches.

“Our company and other providers of payday loans and cash advances are actually servicing the cash requirements of the segment of the market that is not actually served by banks and other similar lending entities,” Millstone explained.

Unlike banks and other similar lending institutions, www.loanadvances-paydayloans.co.ukis taking a different tack and assesses loan requests based on the monthly income of potential borrowers. The amount of loan provided by the company will not exceed that which can be paid back by the applicant within the specified payment period.

The demand for payday loans is expected to continue to rise until next year and the company assures its clients that it will maintain its current loan offerings and services and adopt the same approval rates to keep up with the requirements of its growing clientele.

Via EPR Network
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Confused.com Launches A New Mobile Phone App To Make Parking Easier

Confused.com has highlighted that 69% of motorists avoid areas due to the cost of parking, however it has come up with a solution: the ‘Confused.com Parking’ app.

Confused.com Parking is the new easy-to-use parking app that gives drivers directions to car parks, finds out how much they charge, and choose the closest and cheapest location via their current location using the GPS on their mobile phone or by typing in an area or postcode.

Car insurance expert Confused.com tackles the tricky problem of parking prices with the latest addition to their growing app portfolio. The new, free and useful, car parking app has been developed for Confused.com by Rant Media with data obtained in an exclusive partnership between Confused.com and Parking Data & Research International. The data is updated several times a month.

The Confused.com Parking app provides transparency on car park prices to consumers and is a solution to help save them money when shopping. The app means they no longer have to just accept the first car park they stumble upon but allows users to make the best choice for their pockets.

The app is free to download from Apple’s App Store and takes advantage of the iPhone’s innovative mobile phone technology. The operating systems for the app are iOS 5 and later and are compatible with iPhone 4 or later versions. The Confused.com Parking app is also being developed for both Android and Windows phones and will be available later this year.

The parking app is the latest innovation from Confused.com this year with more to come in the coming months.

App users can get directions to car parks, find out the cost of parking and choose both the closest and cheapest.

Users can identify the cheapest car park before setting out on their journey by using destination or postcode; whether disabled parking spaces are available; CCTV, baby changing facilities and even park and ride, and if they accept electronic payment as we wouldn’t want drivers to be caught short.

Drivers worried about their time limit expiring can use the app to set up a parking timer to remind themselves the cost that has been clocked up and when their parking space expires, plus costs attracted by choosing to stay longer. Phone alerts will be sent to the user to make them aware of their car parking time.

The app is free and is so simple to use, even a child could use it. Drivers needn’t make parking any more difficult than it needs to be; they can just download the app and no one’s pocket money will be wasted on excessive parking prices.

Gonzalo Bernstein, Head of Business Development at Confused.com, who worked closely on the development of the app, said: “We anticipate this app will help reduce arguments between couples and friends in cars, reducing the time spent driving around aimlessly looking for space and also reducing costs.

“The app is free so we anticipate iPhone users will snap up the chance to save time and money with it, and we anticipate announcing both Android and Windows versions before the end of this year.

“It goes without saying that we recommend the app is either used when stationary or by a passenger and never by a driver in motion.”

For more about the app, please visit: www.confused.com/parking-app

Via EPR Network
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Recently Launched Site Makes Loans Stress-Free

Most of us go through a time in our lives where you need to get some extra money to pay off bills or other things. It can be extremely stressful to know that you owe money for something when you simply cannot afford to pay it and that’s why payday loans were invented. In the past, applying for a loan was very stressful but thanks to payday loans it made the process easier.

However, a new site that has been recently launched, called QuickPaydayLoans.co.uk has made the whole process even easier than before. This is because they’ve implemented a 1-minute verification form. A spokesperson for the site said that “ever since we’ve added this simple form to our site, we’ve seen a huge increase in the amount of people applying for a payday loan” as well as saying that “the feedback that we’ve got from our customers have been really good, and we hope to improve the site even further in the near future for our loyal customers by making our borrowing terms even more easy for people to understand.”.

QuickPaydayLoans.co.uk is just one of the very few sites that have realised that people that want payday loans don’t want to spend too long filling in forms about themselves, and that’s why they’ve created this simple 1-minute verification form that shouldn’t take you more than 1 minute to fill in! The form only needs you to fill in some basic information about yourself like your name, email address, phone number and so on so it really is very quick and easy to apply for a payday loan.

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Payday-loansuk.org.uk Reveal New Mascot – Jackson the Dog

Payday loans, the often derided side to personal finance, have been gaining in popularity for quite some time in the UK.

What was once a small, niche related business, has now become a multi-million pound industry. The demand for the product seemingly growing thanks to the lending patterns of major lenders and banks.

Established within that market is the company Payday Loans UK. Formed by two ex-bankers, the firm base it’s ethos on delivering cash advances to those refused elsewhere.

In keeping with this innovative spirit they have revealed a new mascot to go along with the usual payday loans product.

The aim of this ‘talisman’ is more of a symbol than a novelty as Nick Cox from the company explains;

“We came up with the concept of Jackson as more of a multi-functional device then an un-purposeful icon.”

“Our initial aim for Jackson is to have him implemented as an online helper on our website. He will be on-hand if the customer runs into trouble with any detail. There will be a knowledge base attached to the interface and an online operator for 2nd level queries.”

“After that the sky’s the limit really, we could have him as the spearhead for ad campaigns or even as acting CEO for the day!”

The company hopes that Jackson will bring some much needed cheer into what can be an often depressing situation.

Cox is under no illusion as to how customers feel when accessing his site;

“Payday loans suck. Let’s face it. Nobody wants to take out a loan and when they do they’re not going to be happy about it. Hopefully this will put a smile on their face.”

The company’s aims for Jackson the dog are still be sketched out and he has not yet been implemented into the user experience on the website payday-loansuk.org.uk.

The whole process is being strategically mastered as if re-homing a pet. Payday Loans UK expect the first wave of Jackson mania to start at the end of this month.

Payday Loans UK are a fast online payday loans service aimed at those refused elsewhere. Loans are approved instantly and deposits can be as fast as 15-minutes straight to customers’ UK bank accounts.

Via EPR Network
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Confused.com Reveals That Brits Fork Out Nearly £8bn A Year On Over-Priced Parking Places

New research released from car insurance expert Confused.com, has revealed that the cost of parking has grown from being a necessary inconvenience, into a leading factor in the deterioration of UK high streets.

Parking prices rose 12.5% over last year alone, forcing Brits to spend close to a whopping £8bn a year on parking their cars, but this parking spending spree might be about to grind to a halt. Confused.com has found that over-priced parking is now proving to be too great a turn-off for the majority of UK shoppers with over two thirds (69%) of Brits reporting they intentionally avoid shopping areas with high parking prices.

If the retail sector, and indeed Britain, is to return to economic prosperity, the consumers’ road to the high street needs to be as simple as possible. An overwhelming two thirds (65%) of Brits confess that more affordable parking would see them return to the high street.

However, the hope of parking without paying extortionate rates looks to be a faraway fantasy across the country as more than three quarters (78%) of Brits currently spend up to £150 on parking each month. While this might seem steep, it’s a far cry from the prices people in the Knightsbridge area of London face. Drivers in the city centre have to live with the country’s most expensive car park which charges £36 for 3 hours parking – an average of £12 an hour.

While the overall cost of motoring is rising, motorists need to look around for the ways they can save on daily necessities. Confused.com has launched Confused.com Parking mobile app.

The Confused.com Parking app could save drivers hundreds of pounds a year by allowing them to check out the prices of nearby car parks. For example, shoppers using Birmingham’s Royal Angus street car park twice a week, could save themselves £888.00 a year by making the five minute (1.3 mile) drive down the road to the Livery Street multi-storey car park. This cost of laziness is symptomatic of the entire country with motorists in Birmingham, Bristol and Edinburgh all guilty of paying over the odds in the name of convenience.

With so much being spent going on parking charges, it’s unsurprising that more than 3 in 5 (64%) Brits list the price of parking as a key consideration when deciding where to go shopping. With over half (57%) of all parking spaces in the UK being ‘pay-to-park’, a staggering 82% of people start the spending before they even make it to the shops.

Moreover, British shoppers are frustrated that the car parks they’re forking out for simply aren’t up to scratch. More than one in five (21%) Brits feel that the current services don’t offer enough space, and with a paltry third (33%) of UK car parks offering over 100 spaces, it’s not surprising that 60% of motorists spend between 6 and 20 minutes every trip searching for a space.

Gareth Kloet, Head of Car Insurance at Confused.com, said: “In today’s difficult financial climate, people have had to find ways to save every penny possible. Over-priced parking charges are a problem that every motorist in the country has to deal with, but hopefully our Confused.com Parking app will help people throughout the UK save money when it comes to parking their cars. The fact that the app is so easy to use should also help them save time by finding parking spaces more easily.”

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PaydayLoans@ Offers Now Loans For People With Bad Credit Score

In the modern society there is a sharp line between people. In every nation there is a distinct division between rich people and poor ones, educated and non-educated, males and females. Even in the banking institutions there is a verge between people with good credit score history and a poor one. There should be a place where everyone would be free of any stereotypes. PaydayLoans@ company is the exact place where customers will find support and understanding.

For now a new policy has been input in the developing process of the company. It does suggest its clients a new and completely different way-out of the situation with bad credit history. Those people who were not able to pay back in time or who had earlier the problems with credits, or paybacks, are now free of any unpleasant back ground.

PaydayLoans@ is one of the most original and initial companies that offer its potential consumers the easiest and fastest way to receive money in a legal way. The company has provided several improvements lately which include the online services that are supposed to save the clients’ time.

The main difference between banks and PaydayLoans@ is that this company understands that any possible life situation may occur to anyone when a person is out of money and extremely needs it. That is the step when it is time to decide where to go: to the bank or to the trustworthy company? Needless to say, that bank has a high level of documentation and for getting a loan it is essential to provide all the personal and financial information. Small loans are not usually lent by the banks as it is not quite profitable for them. Unfortunately, most banks are rather conservative that is why for people with bad credit history or poor credit score will be difficult, sometimes impossible to borrow money. More information about loans with poor credit rating can be found in this article.

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