Category Archives: Personal Finance

Personal Finance

Banks, Debts, Financial, Financial Management, Financial Services, Financial Solutions, IVA, Loans, Money, Mortgage, Personal Finance

Debt Advisers Direct remind consumers with debt problems of the importance of seeking debt advice early on, before their finances are further affected by the recession

Commenting on the nation’s economic troubles, Debt Advisers Direct stressed the importance of seeking debt advice in time, before debt problems can escalate out of control.

“Whatever the economic climate, it always makes sense to address debts at the first sign of trouble,” said a spokesperson for the company. “During times of economic uncertainty, it’s more important than ever.

“The problems in the housing market alone pose a significant threat to the livelihoods of people in all walks of life. What was initially seen as an issue for estate agents has grown to affect builders, movers, decorators, furniture stores and so on – after months of negative news from companies directly linked to the housing market, we’re now hearing of problems in a much wider range of industries.

“With so many either out of work or facing the possibility of unemployment, people are spending less and problems in the housing industry are spilling over into the high street, placing even more jobs at risk – at a time when new employment may be hard to find.

“Coping with a period of reduced income is never easy, but people with high levels of debt are far more likely to experience financial problems almost as soon as their income drops.

“This underlines the need to tackle debt problems sooner, rather than later. Many people with smaller debt problems may find a chat with a debt adviser could help them get on top of their finances without making any major lifestyle changes. Once the adviser understands their financial circumstances, they should be able to provide some budgeting advice and suggest practical ways of reducing their level of debt.

“When it comes to more serious financial problems, however, many people are put off by the sheer size of their debts. Someone who owes tens of thousands of pounds may not feel there’s anything they can do to make an appreciable ‘dent’ in their debts.”

In most cases this is unlikely to be true: “However much they owe, they may still have a range of options, depending on their circumstances. A debt consolidation mortgage, for example, could be right for someone who wants to reduce their monthly outgoings and simplify their finances, while an IVA (Individual Voluntary Arrangement) could help someone who literally can’t keep up with their debt repayments – and who can’t realistically expect to repay their debts in a reasonable timeframe.

“We were very pleased to see the emphasis which the Chancellor’s Pre-Budget Report placed on debt advice – the Government is dedicating more than £15 million of additional funding to ensure people can access debt advice when they need it. Similarly, we were pleased to see certain credit card providers and mortgage lenders extending a ‘grace period’ to people who fall behind on their repayments.

“Even so, we remind borrowers how important it is to talk to a debt adviser before things reach the stage where they’re missing payments of any kind: taking steps to tackle their debt today is virtually certain to improve their chances of getting through the recession with their finances in a good state.”

Via EPR Network
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Financial, Financial Services, Financial Solutions, Loans, Mortgage, Personal Finance

Top Mortgage Company Agent Adam Thomas From Invis Inc. Has Become A Business Referral Partner With Debt Settlement Service Companies To Assist Canadians In Debt Elimination

 

Top mortgage company agent Adam Thomas from Invis Inc. becomes business referral partner with debt settlement services companies launching a new website www.HomeOwnerDebtRemoval.com that reportedly aims to assist Canadians with debt relief programs and debt relief assistance.

In a society where residents are weighed down with debt repayment and debt consolidation problems, the new website promises debt relief/debt assistance by paying off such debts, lowering monthly payments and increasing cash flows. This would help them to stay debt free and increase their savings for retirement, renovations, and children’s education or make purchases they desire, while improving their overall financial situation. Our average client saves $500 to $1000 per month and more in some situations, as well; we follow up with ongoing support, guidance and planning as well.

The website further proposes to assist people in debt relief through various mortgage financing programs for their primary residence, investment properties or commercial property tailored to meet their situation and needs. It offers solutions relating to individual credit, income, assets and property equity positions. Programs are also available thru this partnership to assist those homeowners who don’t have the ability to obtain financing and who truly need debt relief. The site has been developed to be a complete one-stop shop to help everyone to receive debt relief help no matter what their current financial situation may be.

Proposed methodologies of www.HomeOwnerDebtRemoval.com is assessing each individual applicant according to their income, credit, assets and property equity position and thereafter formulate plans to sort out the problem through a first or second mortgage, private funding or thru a debt settlement agreement plan.

“No planning is finalized without due approval of the client and each step is followed up leading the client from initial through final stages of the process” declares Thomas. “Thru this partnership customers are able to receive financing and debt relief assistance. Though the customer’s we most often help are homeowners with high debt balance, we will of course try to help all who apply even non-homeowners. During the process, we will review and analyze all options available to the client and explain to them what programs we have to help them, we then make recommendations for the client to succeed in what they want, this way the client can make a informed decision on what’s best for them,” he adds.

The partners claim that they can help in debt elimination of their clients under their debt relief assistance programs since it has built sound relationships with mortgage agents, debt settlement companies and trustees. Either a straight refinance for debt removal or other debt settlement agreement plans, ensuring debt relief would put clients into a better financial condition, they assert.

The partners also assure their clients that they can provide adequate support where people with multiple loans and consequential higher premiums do not know the way out. With only one consolidated payment substituting your multiple premiums, your savings would be considerable, they claim.

About Adam Thomas:
Top Mortgage Agent Adam Thomas of Invis Inc. the leading mortgage brokerage company in Canada dealing in financing to help with debt consolidation and mortgages of all types, with the aim of expanding operations, has now become a business referral partner with other debt settlement and trustee firms, who have come up with the new website www.HomeOwnersDebtRemoval.com providing a number of services related to debt consolidation and debt settlement for its clients.

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Bankruptcy, Checking & Savings, Financial, Financial Management, Financial Services, Financial Solutions, IRA, Loans, Money, Personal Finance

Sunwest Trust Claims Their New Friends And Family Lending Program Will Be A Contributing Solution To The Credit Problem

In the wake of the National Credit Crisis, Sunwest Trust, Inc., a leading financial company, unveils its new “Friends and Family Lending Program”. The program seeks to interchange the roles of lending banks with financially solvent family members taking up such a role.

Outlining their new plan, the Company insists that solvent members in the family can assume the role of bankers. They could be lending to such members who are seeking loans for purposes such as having a new home. “The ability to fall back on solvent family members for financial support would be a welcome alternative for people who are finding that getting loans is difficult,” says Terry White, CEO, Sunwest Trust, Inc.

http://www.sunwesttrust.com/

The logic behind the argument advanced by Sunwest Trust is that such lending could result in mutual benefit for the lender as well as the debtor. The debtor would benefit from the lower interest rates and the convenience of getting financing. Lenders, on the other hand, will gain from higher interest rates than they could get in comparison for their deposits made in the bank. “Thus, it will be higher income for the lender while a lower loan burden for the debtor,” adds White.

Another aspect of their statements in favor of the new plan is that with such loans, the lender’s money is more secured in comparison to those lent out to strangers. At the same time, the debtor gets significant income tax benefits.

Sunwest Trust, Inc. assists clients through the process by administering the loan in such manner that everything is well organized. “We can collect for taxes and insurance payables on a monthly basis so that the payments are spread throughout the year”, denotes White.

“Payments will be made to Sunwest Trust who will allocate these payments dividing them to principal and interest. The money can be deposited directly into your checking, money market, or savings accounts”, White further adds.

The Company cautions its clients that every investment is coupled with the risk of loss; however, this is a preferable risk being helpful both for the lender and their family members.

Sunwest Trust is confident of the success of their new program and the “Friends and Family Lending Program” is now currently offered to interested parties nationwide. Learn more by watching our video at http://www.youtube.com/watch?v=tDXc6JtzPsI

About Sunwest Trust
One of the leading financial Companies in Albuquerque, Sunwest Trust Inc. is the only one dealing with both escrow and completely self directed IRA simultaneously. The New Mexico Financial Institutions Division granted it with Trust powers in the year 2003, but has been an escrow company for over 21 years. While Sunwest specializes in self directed IRA, they also deal with real estate contracts, and mortgages. The Company is presently servicing over $900 Million in assets for over 12,000 individuals.

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Checking & Savings, Financial, Financial Management, Financial Services, Financial Solutions, Insurance, Insurance Services, Money, Personal Finance

New Research From Barclays Financial Planning Shows A Worrying Trend Of People Not Providing Themselves And Their Families With A Suitable Financial Safety Net

Despite the level of fear surrounding unemployment and debts in the current environment, an online poll of 2001 British adults between 24th and 28th October 2008 conducted for Barclays Financial Planning by Opinium Research shows a worrying trend of people not providing themselves and their families with a safety net.

According to the research, over half the people questioned are worried about being able to maintain their outgoings over the next 12 months, pushing essential safety nets like income protection and critical illness cover to the bottom of their priorities. The results show, nearly half (47%) of UK adults have no protection policies in place whatsoever, to protect them and their families in the event of losing their income, health issues or even death.

The safety net gap:
52% have no life insurance
75% have no critical illness cover
78% have no income protection cover

Those aged between 35 and 54 often have the most responsibilities in terms of dependants and outgoings, but showed a large gap in their protection cover, with 45% having no life cover and 74% with no income protection insurance.

Alison Tattersall, Head of Customer and Proposition at Barclays Financial Planningsaid: “When finances are tight it is often responsibilities like protection policies that fall to a lower priority, and of course these policies protect outcomes that people don’t want to think about. But people must consider the financial consequences of what would happen if they were unable to work, or their dependents’ situation if they died, it would be far worse than any concerns they currently have over struggling to meet their outgoings.”

When looking at what other safety nets people could be relying on, the research reveals that 60% of people admit to having nothing saved, having less than one month’s salary in the bank, or not knowing what they have in savings at all. Worryingly the report also reveals that nearly 40% of people don’t receive benefits such as sick pay, death in service or health insurance, or simply do not know if they would be entitled to them. Coupled with 81% of people not knowing what they would receive in benefits from the state if they were too ill to work.

Alison Tattersall continued: “This is a worrying trend. People need to know what their state and employee benefits are before they are able to plan their protection needs properly.

“Over half of people that do have protection policies said they did not take advice or did not know if they had taken advice when buying their cover, and over 70% do not know or only have a rough idea what level of payout their policies would give them if a claim was made. This could clearly mean people end up without the right cover for their needs, which is often just as bad as having no protection at all. We urge people to seek professional advice and review the level of protection insurance they have to cover themselves or their family.”

About Barclays Financial Planning
Barclays Financial Planning (BFP) provides tailored financial advice on life, pensions and investment products across a carefully selected range of products from a range of product providers according to customer needs. It is one of the largest financial advisers in the UK, with over 700 advisers. A no obligation financial planning consultation is available to personal, business and corporate clients, and our advisers have a range of solutions available for businesses wishing to discuss succession planning.

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Think Money Have Advised Consumers To Avoid Getting Into Debt Wherever Possible This Christmas, With The Recession Threatening To Put Further Pressure On The Finances Of British Households In 2009

Financial solutions company Think Money have warned consumers to be careful over the amount of debt they incur over the festive season, in order to avoid potential debt problems in the midst of an economic recession.

They have also advised those consumers who do rely on credit to act early and tackle any debts before they have the chance to grow, and to be selective over the types of credit used in order to prevent the debts from becoming unmanageable.

For many families in the UK, including those who are usually comfortable financially, the Christmas season has become associated with debt. The tradition of spending large amounts of money on food and gifts has meant that large numbers of households fall into debt every year, even if it means spending a large part of the following year repaying those debts.

Indeed, a survey taken earlier this year by Savebuckets.com suggested that one in four Christmas borrowers were still repaying their Christmas debts in the following October – nine months after the money was originally spent.

A debt expert for financial solutions company Think Money commented: “In today’s society, many households actually expect to get into debt in order to get through the Christmas season – which can put them at risk of debt problems in the future. It’s much safer to focus more on how to avoid falling into debt – and with the right preparation and attitude, it is very much possible to do that.”

The spokesperson added that staying out of debt over the Christmas period does not necessarily have to mean cutting back on costs. “The households who are best prepared for the Christmas period are those who have thought about it long in advance and have been saving throughout the year. By saving just a relatively small amount each month, it’s quite possible to save enough to cover all the costs involved, without having to compromise.

“However, it seems that it is currently more common to pay with credit in the run-up to Christmas. This may have been fuelled by the relatively easy access to credit of the past few years, although due to the credit crunch, this may be a little more difficult this year.”

The spokesperson also said that the type of credit used can be crucial to consumers’ ability to repay the debt. “For those consumers who do rely on credit over the Christmas period, choosing the right form of credit is a simple step that can make all the difference.

“For example, it’s generally unadvisable to make large purchases on credit cards unless the buyer is absolutely sure they will be able to repay the debt in a short space of time. The APR on credit cards is typically very high, which means the debt can grow very quickly unless it is repaid promptly.

The Think Money spokesperson added that anyone finding themselves struggling with debt should seek debt advice straight away. “There are a number of debt solutions that can help to minimise outgoings and/or help to reduce debts, such as debt consolidation or an IVA (Individual Voluntary Arrangement). We urge anyone in serious debt to seek professional debt advice as soon as possible.”

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Financial, Financial Services, Insurance, Insurance Services, Personal Finance

What are the risks that this financial crisis might pose to the insurance industry?

It’s great when you are confident in safety of your money in general, and in your insurance company’s reliability in particular.

Unfortunately, the credit crisis affected virtually every sphere of life, and in times of the financial turmoil, like it is going now, many began worrying about its consequences for insurance and wonder to what extent the insurance industry was affected.

What are the risks that this financial crisis might pose to the insurance industry? What if my insurance provider won’t be able to pay for the claim? Should I switch the insurer, or even quit my insurance cover? All these questions are very urgent for many people today.

First of all, you should know that there is no reason to worry if you are satisfied with your insurance company and the way they work. Have they paid for the claims in time? Were there any problems with their quick and adequate respond to your claim? Make sure that you are aware of your insurer’s latest rates, and if they are ok for you, you can rest assured (whatever it meant).

Additionally, there are independent sites where you can learn practically every insurance company’s rating. The rating shows the company’s stability and reliability from an independent point of view, whether it will be able to meet its obligations in future, i.e. to pay for claims. According to the rating you can always decide if you should “quit” or switch your insurer.

Some more good news for you:

– an insurer’s activity is strictly regulated, and in most cases an insurance company is not involved in those risks which unregulated industries are vulnerable to; besides, the industry is now under tight control because of the banking crisis, which doubles reliability;

– in case an insurer is in bad financial condition, it will get aid from the state insuranceregulators, for the purpose of anticipating its bankruptcy, and the state which the insurer belongs to will take measures to save the company; moreover, it is a strict obligatory rule for insurance companies to pay into guaranty funds; so, a policyholder has nothing to worry about anyway, as he/she is going to get the money even if the insurer is insolvent;

– in some states there is a so called pre-assessment system,

– a kind of a pool for insurers to annually contribute money to, so as to secure future claim- payments.

As you may see, the sphere of insurance is rather protected from the threats of the world-wide financial crisis. Anyway, if you still have doubts, just shop around for a good and reliable insurance company, be careful and stay tuned.

About Insure4USA

Insure4USA has been offering free auto insurance, health insurance, home insurance andlife insurance quotes online since 2008.

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Banks, Checking & Savings, Financial, Financial Management, Financial Services, Financial Solutions, Home Equity, Loans, Money, Mortgage, Personal Finance

The Bank Of England’s Decision To Cut The Base Rate Could Be Particularly Welcome Among People Looking To Remortgage

Welcoming the Bank of England’s decision to cut the base rate to 2%, financial services provider Think Money (www.thinkmoney.com) highlighted the positive effect this could have on people looking for a remortgage.

“Many people paying – or looking for – a mortgage will welcome the base rate falling to levels we’ve not seen in over 50 years,” said Melanie Taylor, Head of Corporate Relations at Think Money. “However, we anticipate the greatest sense of relief will be among people coming to the end of their mortgage term.

“Primarily, this is because these are the people who are tied to a specific time period. Most people moving house or buying their first home will have a degree of flexibility in the timing of their move, but when a mortgage term expires, it expires. This is an absolute deadline – and before they reach that point, the homeowner should have decided whether they’ll revert to their mortgage provider’s SVR or look for a new mortgage deal altogether.

“To anyone in that situation, the base rate cut will come as a great relief, as it could make either option more appealing. In some cases, it could make all the difference between being able to stay in the house and having to sell it.”

However, as the Council of Mortgage Lenders (CML) has pointed out, lenders don’t necessarily benefit from cuts to the base rate in the way that many people believe. As the CML website states: ‘the cost of funds to lenders depends not on Bank rate, but on a range of other factors, including what they have to pay savers to attract deposits, how much it costs them to borrow in money markets, and the costs of holding capital and sufficient liquidity … Far more important than the Bank rate in determining lenders’ funding costs is the three-month London inter-bank offered rate (libor)’.

Nonetheless, the rate which the Bank of England charges lenders is still an important factor, affecting the entire monetary system: “Many mortgage providers passed the full 1.5% of November’s cut on to borrowers on their SVR deals. Various lenders have already announced they will pass on all or most of this latest reduction too, making the thought of reverting to their SVR much more attractive.

“At the same time, this reduction in the base rate will make it easier for lenders to lower the interest rates they charge for new mortgages of all kinds, helping people remortgage at a more attractive rate.”

But homeowners at the end of their mortgage term won’t be the only ones to benefit from the base rate cut. “According to the Bank of England’s November 2008 Inflation Report, around 7% of mortgagors are spending 35-50% of their pre-tax income on their mortgage payments – and 5% are spending 50%-100%. Given the historically high salary multiples we’re seeing in today’s mortgage markets, the ability to remortgage at a lower rate could make all the difference to the finances of many homeowners.”

“Of course, there’s always the question of Loan-to-Value (LTV), a particularly important ratio in today’s economic environment: with house prices dropping and credit relatively scarce, lenders are reserving the best deals for people with LTV ratios of 60% or less. Even so, a base rate of 2% is indisputably good news for most homeowners with mortgages across the country, whatever their situation.”

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Checking & Savings, Financial, Financial Management, Financial Services, Financial Solutions, Loans, Money, Personal Finance

Debt Management Company Gregory Pennington Have Advised Anyone Currently Struggling To Repay Debts To Seek Professional Debt Advice

Responding to a new report from PricewaterhouseCoopers suggesting that over a quarter of borrowers are worried about their ability to repay debts, debt management company Gregory Pennington has advised consumers that all forms of borrowing should be planned well to ensure that the debts can be repaid, and has encouraged anyone struggling to repay their debts to seek professional debt advice.

The Credit Confidence Survey by PricewaterhouseCoopers suggested that over one in four people (27%) are worried about their future ability to repay debts, while 20% of UK credit customers are worried about the future availability of credit – suggesting a reliance on credit to pay off existing debts.

16% of those questioned reported that they were already struggling to make debt repayments, “very few” of whom have considered options to restructure their debt, such as a debt management plan.

The report also found:

• Unsecured borrowing has actually risen by 6% compared with last year – although secured borrowing has fallen ‘dramatically’
• Insolvencies increased by around 9% in the third quarter of 2008, compared with the second quarter
• Every working hour, over 100 adults enter into bankruptcy, an Individual Voluntary Arrangement (IVA) or start a Debt Management Plan

A spokesperson for Gregory Pennington commented: “Although the survey on the whole represents good confidence levels amongst a lot of borrowers, the fact that over one in four borrowers are worried about their future ability to repay debts highlights the importance of future planning when it comes to borrowing.

“One of the most important steps for borrowers to take before taking out a loan is to establish how much they want to borrow and how much they can afford to repay each month. There is also the matter of how long the repayment terms should be – the longer the terms, the more time there is in which the borrower’s circumstances could change, and a change in circumstances could affect their ability to make repayments.

“Of course, there are many cases in which unforeseen circumstances prevent borrowers from repaying their debts, such as unemployment or a fall in earnings.

“Whatever the reason, anyone struggling to repay their debts should take decisive action as early as possible. A debt adviser can provide information on a range of debt solutions that can help to minimise monthly outgoings, which could be crucial to those hard-pressed by the current economic situation.

“For example, a debt management plan through a professional debt adviser can enable people to pay back their debts at a more manageable pace, while reducing or freezing interest and other charges. However, this can mean the debts take longer to repay than originally planned.

“Alternatively, a debt consolidation loan can ‘group together’ the borrower’s debts, meaning they pay one creditor instead of many. A debt consolidation loan can also be spread out over a longer period of time than the original debts, meaning monthly outgoings are reduced – although this can mean paying more interest in the long run. However, if the borrower is consolidating high-APR debts such as credit cards, the lower interest rate can often mean that less interest is paid overall.

“For more serious debts, typically of £15,000 or higher, an IVA (Individual Voluntary Arrangement) might be the most appropriate option. An IVA involves working with an Insolvency Practitioner to draw up a proposal for lower debt repayments based on an amount that the borrower can afford. This normally continues for five years, and on successful completion the remaining debt is considered settled.

“As with anything debt related, it’s always advisable for borrowers to speak to an expert debt adviser before deciding on the appropriate solution for their debts.”

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Financial, Financial Services, Financial Solutions, Insurance, Insurance Services, Personal Finance

Insurancewide Has Cautioned The Public Of The Dangers Of Foregoing Life Insurance, Particularly During A Global Recession

Since the economic crisis began, countless businesses across a number of industries have suffered – and it’s no secret that the poor financial climate has also hit the insurance industry, particularly the life insurance sector. With global life insurance companies in trouble – Yamamoto recently claimed bankruptcy while AIG sold off its life insurance operations to pay back debt – it’s clear that the life insurance market has taken a large hit among other insurance sectors.

Reports have shown that nearly 36 million adults living in the United Kingdom do not currently have life insurance, with 28 per cent of the adult population in the country believing insurance products are unaffordable. Moreover, an increasing number of people are choosing to cancel their policies due to the economic crisis. But Insurancewide has cautioned the public of the dangers of foregoing life insurance, particularly during a global recession.

A necessity to protect those closest to you

While insurance is a precautionary expense, it can prove devastating for your family if they’re not covered in the event of your death. Hundreds of thousands of pounds of expenses and debt could be placed on your family if you’re not insured. However, a modest monthly outgoing for a life insurance policy could make all the difference.

Jonathan French, spokesperson for the ABI, reinforced Insurancewide’s warning when he told Money.co.uk: “Given that there is a credit crunch…it may well be that people look to cut back on their overall expenditure, and one of the things that they could look at to do that is their life and protection insurance.

“Of course the great irony, particularly when it comes to those products which would protect your income in the event of you being made redundant, [is that] those sort of products are at their most valuable potentially during times of economic uncertainty.”

Mr French added that policyholders should think “very, very carefully” before cancelling their life insurance cover.

Insurancewide continues to stress that while life insurance may seem like a luxury during the economic crisis, it is an absolute necessity to protect those closest to you. The insurance comparison firm also assures those who are looking to cut their expenses during the credit crunch that life insurance comparison could help them secure a policy that fits within their budget.

About Insurancewide

Insurancewide, also known as Insurancewide.com Services Limited, is an online insurance comparison website offering insurance comparison tools that allow users to search the market and procure the best insurance policies and quotes.

Insurancewide was launched in August 1999 as the first insurance comparison website on the internet. The site also powered tools used on popular website Confused.com.

Insurancewide is FSA regulated.

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Debts, Financial, Financial Services, Loans, Money, Personal Finance

PLoans4You.com is an internet payday loan service

An efficient service for payday loans and cash advances surfacing on the map of the World Wide Web, Ploans4You.com offers a system of swift online application and approval processes for loans up to $1,500.

The service is based on the simple concept of payday loans for people in need of swiftly borrowing funds. While the sum provided per loan (anywhere from $100 to $1,500) is relatively small, it perfectly reflects the idea and simplicity behind the PLoans4You.com online loan service.

For those unaware, payday loans consist of relatively small sums borrowed swiftly for urgent needs on a short-term basis. Such a cash advance is deposited into the recipient’s bank account and retrieved from there on a later set date to repay the debt. This allows the loan taker to deal with whatever emergency situations might arise with urgent cash needs. The site provides an online approval process that entails signing up online and awaiting authorisation. A steady monthly income is all that is required to receive approval, upon which the loan will be transferred to the recipient’s specified bank account in a matter of minutes. As such, just about anyone with a job and bank account is free to make use of this service.

Working with a wide array of payday loan lenders, Ploans4You.com matches loan requests with lenders capable of providing such loans based on a number of criteria, ensuring a fair transaction and trustworthy loan process from start to finish. Furthermore, the service requires a very limited range of documents, and unlike many other online loan services, provides swift and reliable support so that clients can always get in touch with the service and vice-versa.

The modern day world can be relentless and unforgiving when it comes to financial troubles, but despite any possible restrictions, Ploans4You.com staff work diligently to find a way for every loan recipient to receive the loan they seek. Operating with small sums means working specifically to aid regular people with average incomes in their cash-related troubles, be it paying the bills or any other short-term needs.

About PLoans4You.com
PLoans4You.com is an internet payday loan service. We offer our customers payday loans and cash advances when they need it most since 2007.

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Prudential Research Reveals UK Pension Contributions Have Plummeted As The Current Economic Downturn Forces UK Workers To Make Cut Backs

Independent research conducted by Prudential reveals that 18% of UK workers say they have reduced the amount they save for an occupational or private pension as a result of the credit crunch. Of these people, 36% do not anticipate they will be able to increase the amount they save into a pension in the future.

The research shows that voluntary pension contributions to private and company schemes have plummeted by 53% in just 18 months as the current economic downturn forces UK adults to cut monthly pension savings from an average £279.38 a month in March 2007 to just £129.35 a month now.

The findings also reveal that UK workers are on average saving just £1,552.20 a year into pension funds with women saving even less, around £74.95 per month or £899.40 a year.

In addition, more than half of all UK workers (55%) do not contribute to a company pension or private pension, leaving them completely reliant on the State pension or other savings.

The results compared to previous Prudential studies, the last of these conducted in March 2008, indicate that pension contributions have fallen by half from their March 2007 level of £279.38 a month to an average of just £144.57 a month, and the latest figures demonstrate that contributions have continued to fall still further from March to September 2008.

Martyn Bogira, Defined Contributions Director, Prudential stated: “It is staggering to see how much UK pension contributions are being scaled back as people look to reduce their outgoings but while a pension scheme may seem a relatively pain free way to increase disposable income today, the impact of this in retirement will be significant.

“We would urge people to think carefully before cutting pension contributions as it is vital that they build a strong savings pot to ensure they are in the best position possible to enable them to enjoy a comfortable retirement.”

The information contained in Prudential UK’s press releases is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at www.pru.co.uk.

About Prudential
“Prudential” is a trading name of The Prudential Assurance Company Limited, which is registered in England and Wales. This name is also used by other companies within the Prudential Group, which between them provide a range of financial products including life assurance, pensions, savings and investment products. Registered Office at Laurence Pountney Hill, London EC4R 0HH. Registered number 15454. Authorised and regulated by the Financial Services Authority.

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Financial, Financial Management, Financial Services, Insurance, Insurance Services, Personal Finance, Retirement

LV= Announces A Major New Protection Partnership With Standard Life

Leading protection provider LV= has announced a major new partnership with Standard Life.

The UK’s largest friendly society LV= will now provide its award winning Income Protection Plan and whole of life 50 Plus Plan to the customers of Standard Life, through Standard Life’s Direct Telesales team.

Standard Life will manage marketing and sales activity to its UK direct customer client bank, using LV= branded product literature. Customers will complete the sales process with Standard Life’s Direct Telesales team, acting as ‘introducers’ to LV=. LV= will then manage all underwriting, administration and servicing of the policies. The partnership will run for an initial period of three years.

Commenting on the new partnership with Standard Life, Stuart Tragheim, LV= Director of Distribution Strategy and Business Development said: “We are delighted to have won this partnership and to be the new provider of specialist protection solutions to Standard Life’s customers. We have award-winning product and service expertise in protection, and Standard Life recognised our financial strength and our ability to deliver bespoke product solutions for customers, and to get these to market quickly.”

He continued, “This partnership builds on our substantial experience in packaging life and general insurance products for the customers of other like-minded organisations. As a financially strong mutual organisation, we plan to extend our ‘partner of choice’ franchise going forward.”

Anne Gunther, Chief Executive of Standard Life Client Management said: “I am delighted LV= has been appointed to our panel of protection advisers. This arrangement will enable us to continue developing our direct to customer proposition and offer clients a holistic approach to their financial planning needs. LV= has a strong brand and track record of innovative thinking in the protection market.”

Through its existing partnerships LV= provides life, protection and general insuranceproducts to a wide range of organisations including Nationwide Building Society, T&G, AMICUS, Intune (Help the Aged), CSMA Club and the Royal College of Midwives.

About LV=
LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= employs over 3,500 people, serves more than 2.5 million customers and members, and manages around £8 billion on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Key Statistics 2008. Total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

About Standard Life
Standard Life has approximately 7 million customers worldwide and provides an extensive range of products and services, aimed at meeting the financial requirements of customers throughout their lives.

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Barclays Financial Planning Offers An Effective Retirement Planning Solution As An Alternative To Stakeholder Pensions

Barclays Financial Planning has launched two new pensions products, designed to offer an effective retirement planning solution as an alternative to stakeholder pensions.

Both of the new offerings combine the traditional elements of a personal pension, with the addition of considerable investment flexibility, making them bespoke to individual clients’ needs. Clients can choose either a basic investment solution, comparable with a stakeholder pension, or the choice to diversify their pension assets, including the option of a ‘Select Choice’ fund proposition.

David Stuart, Director of Investment Advice and Products at Barclays Financial Planning said: “We have launched our new pensions to offer the everyday pensions investor something much more flexible than a stakeholder plan, but without the more complicated structure or cost implications of a full Self-Invested Personal Pension (SIPP). We offer the structure of a stakeholder pension with the option to place pensions assets in something more than a basic UK fund. In current market conditions retirement planning is still as important as ever, and we have seen clients wanting to look at alternative investments which would not be available in a basic stakeholder pension. This new product gives them that option.”

Barclays Financial Planning provides access to fully qualified financial planners in any branch of Barclays Bank, who can advise individuals on the pension solution most suitable for their circumstances. As well as pensions advice, Barclays Financial Planning can give advice on all areas of financial services.

About Barclays Financial Planning

Barclays Financial Planning (BFP) provides tailored financial advice on life, pensions and investment products across a carefully selected range of products from a range of product providers according to customer needs. Barclays Financial Planning is one of the largest financial advisers in the UK, with over 700 advisers. A no obligation financial planning consultation is available to personal, business and corporate clients, and Barclays Financial Planning advisors have a range of solutions available for businesses wishing to discuss succession planning.

Customers can contact Barclays Financial Planning through any branch of Barclays Bank, or by calling 0800 587 2024.

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Okehampton Online Payday Loan Website To Assist More Customers In Obtaining Cash On Demand

OkeHampton Payday Loans, located online at OkeHampton.net, recently launched their online payday loan website to assist more customers in obtaining cash on demand. Customers who use the OkeHampton Payday Loan service are now able to complete a short application process 24-hours a day, 7 days a week in order to secure up to $2500 in loan funds.

With the recent controversies surrounding payday loan services, the OkeHampton Pay-day Loans website also provides educational resources to its clients in an effort to pre-vent payday loan abuse.

Founder of the Payday Loans website, Gregory Applebee stated, “Companies often allow payday loan clients to grossly abuse the services in a way that makes it impossi-ble for the loan to ‘help’ their economic situation. Our website stresses that a payday loan service shouldn’t be abused. We have found that when used at the right times, a payday loan actually saves our clients large amounts of money in bounced checks or late fees.”

The decision to go online with the website was an effort to reduce overall company costs while increasing the overall amount allotted to each customer. Payday Loans Positives It also allowed the OkeHampton company to extend its normal operation hours to accommodate clients that required services beyond the standard 9-5 Eastern Standard Time operating hours.

“OkeHampton understands that most of our clients need money fast for emergency situations that can’t wait until 9am to solve and those that don’t always occur before 5pm. With our new site, we focus on getting clients the information and the funds they need, when they need them”, Applebee states.

The website includes Payday Loans FAQ a Frequently Asked Questions section which points out not only the positives of payday loan services but also the negatives. The purpose of the FAQ is to make payday loans aware of the dangers of improper use of the loan service. For example, it shows the a comparison between using the service weekly versus using the service every other month. In addition, customers with questions are encouraged to contact the OkeHampton customer service department for clarification of terms and of-ferings.

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Prudential Research Has Revealed The Importance Of The Family Home With Millions Of Childhood Bedrooms Preserved

New research conducted for Prudential shows that more than 4.6 million UK adults have their former bedrooms preserved by parents who cannot quite let go of earlier memories of their children.

A staggering 42% of UK adults (around 4.6 million people) whose parents still live in the family home say their former bedroom is still decorated as it was when they were a child, with 44% sleeping in their childhood bedroom when they return to see their parents.

It is not just the parents who hang onto those childhood memories, almost half (46%) of UK adults whose parents still live in the family home say they still regard their childhood bedroom as their room despite moving out.

However, much more than just the decoration remains unchanged. A third (33%) of UK adults whose parents still live in the family home say they sleep surrounded by childhood photographs, 27% with old school books and folders and 20% with their childhood toys when they visit their parents.

The research from Prudential also showed that a further 10% face the dubious retro-pleasure of childhood posters and 22% say their former childhood bedroom still contains trophies, awards and certificates from their formative years.

Keith Haggart, director of Prudential Lifetime Mortgage said: “The connection with the family home remains strong throughout our lives and our research has shown that around a third of UK adults say the home they grew up in is still lived in by their parents, so it is understandable that many people are loathe to sell the family home even if it means having to struggle to make ends meet, especially in retirement.

“But there are other options available and equity release can provide a good way for people to get hold of the money they have tied up in property equity without having to sell their family homes and downsize.”

In addition to preserving their childhood bedroom, 60% of UK adults whose parents still live in the family home say their parents store a range of belongings for them, with eight per cent having left letters from former boyfriends or girlfriends at their parents home, four per cent having left animals and pets with their parents and eight per cent using their parents house to store bicycles.

The most popular items to store at parental homes were school books and folders (left by 34% of UK adults), with photographs (32%), books (31%) and clothes (20%) all scoring highly.

The information contained in Prudential UK’s press releases is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at www.pru.co.uk.

All figures, unless otherwise stated, are from Research Plus. Total sample size was 1033 adults. Fieldwork was undertaken between 15th and 21st July 2008. The survey was carried out online. The figures have been weighted and are representative of all UK adults (aged 18+).

About Prudential
Established in 1848, today Prudential plc is an international financial services company with a product range which extends from personal banking, insurance, pensions and retail investments, to institutional fund management and property investments.

In the UK Prudential is a leading life and pensions provider with around seven million customers.

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Prudential Has Revealed That UK Workers Are Missing Out On £5.07 Billion A Year By Failing To Join Company Pension Schemes

Prudential, the UK based financial services company, has announced the results of recently conducted independent research which reveals that UK workers are missing out on £5.07 billion a year by failing to join company pension schemes.

The findings from Prudential show that 66% of UK workers (full time and part time) knew their employers offered a company pension as part of their remuneration package. Those polled also said that employers will pay an average of 11.33% of earnings to their schemes.

Yet despite this, 18% of these workers are failing to join the occupational pensions on offer which, based on the average annual UK salary of £19,494.80 for full and part time staff, means they are turning down an extra £2,208 a year on top of their salaries. The 18% of workers who have not joined their occupational pension schemes are therefore surrendering over £5 billion of pension perks every year.

Additionally, the research found that more than one in four (26%) of UK working adults believe that their employer does not offer a pension scheme as part of their employment package, with this number rising to 37% among 18-24 year olds. This is despite all companies being legally obliged to provide a stakeholder pension scheme as a minimum part of staff employment packages.

On the back of these findings, Prudential is calling for employers and their staff to work together and ensure that they take the pension benefits they are entitled to.

Martyn Bogira, Defined Contributions Director for Prudential, said: “Britons are taking voluntary cuts of over £5 billion per annum in their employee benefits by failing to join acompany pension scheme. Missing out today on these benefits will play havoc with peoples’ retirement plans in the future. But it’s a problem with an easy solution. We would strongly encourage all staff to check the terms of their company pension and ensure they understand how much additional money they are losing out on by failing to join these.

“It is critical that UK adults ensure they are building an adequate retirement savings pot if they are to enjoy a financially secure future and avoid having to work past traditional retirement ages or having to significantly reduce their standard of living in retirement.

“Two steps are all that’s needed to stop losing out. Firstly, employees should check with their employer to find out what occupational scheme is available to them. Secondly, we would encourage people to visit an IFA (Independent Financial Advisor) to ensure all their savings and assets, together with the benefits offered to them as part of the their employment packages, are working for them to enable them to build the retirement fund they need to achieve their goals.”

Prudential has launched an easy to use retirement planning website to help consumers and employers tackle retirement issues.

About Prudential:
Established in 1848, Prudential plc is an international financial services company with a product range which extends from personal banking, insurance, pensions and retail investments, to institutional fund management and property investments.

In the UK Prudential is a leading life and pensions provider with around seven million customers.

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M&S Money Has Urged People Travelling Abroad This Christmas To Make Sure That They Have Travel Insurance At The Top Of The Christmas Shopping List

M&S Money, the financial services division of Marks and Spencer, has reported that up to one million people are planning on visiting friends and family abroad this festive season. As such, the financial services company is encouraging those travelling to make sure travel insurance is at the top of their Christmas shopping list.

M&S Money has revealed that DIY holidays have become more popular than traditional package holidays in recent times, increasing by six million in just five years, with fewer than half of Christmas trips abroad booked as complete packages from a travel agent.

The rise of independent travel makes insurance even more important, but further research reveals that 49%of consumers don’t know what their travel insurance covers them for. For example, most policies don’t offer cover for the collapse of an airline, as thousands of people found to their cost in recent months.

However, M&S Premier Travel Insurance now includes independent traveller cover as part of its annual multi trip policy and as an optional extra with single trip and standard trip travel insurance. This means people who book a holiday without using a tour operator will be covered if their flight is cancelled and if other parts of their holiday are affected.

Judith Roberts, M&S Money Insurance Manager, commented: “For most people, Christmas is all about spending time with friends and family, even if that means making a trip abroad. Travel insurance was originally designed for the package holiday market and we felt that it was time to improve our policy as so many people now book independently. For example, if your flight is cancelled you may be unable to claim for subsequent connections and face the cost of new flights or accommodation. M&S Premier Travel Insurance is one of only a few policies that covers these types of situations that are often not included in traditional policies.”

About M&S Money:

M&S Money (a trading name of Marks and Spencer Financial Services plc) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top-ten credit card provider and the second-largest travel money retailer in the UK. M&S Money also offers a range of insurance cover, including home insurance and car insurance, as well as loans, savings and investment products.

In November 2004, Marks & Spencer sold M&S Money to HSBC, one of the world’s largest banking and financial services organisations with over 9,500 offices in 85 countries and territories.

With a market capitalisation of US$190 billion (as at 7 October 2008), the HSBC Group is one of the world’s largest financial services organisations. Over 100 million customers worldwide entrust HSBC with US$1.2 trillion in deposits. With a tier one capital ratio of 8.8% and a loan to deposit ratio of 90% as at 30 June 2008, the Group remains one of the most strongly capitalised and liquid banks in the world.

M&S Money has an executive committee comprising an equal number of representatives from HSBC and Marks & Spencer.

The company employs 1,200 staff at its headquarters in Chester, delivering personal financial services to its customers, reflecting the core values of Marks & Spencer – quality, value, service, innovation and trust.

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Virgin Money UK Has Strengthened Its Management Team With The Appointment Of Rob Clifford As UK Managing Director

Prior to joining Virgin Money, Rob was Chief Executive at Mortgage Force and has over 20 years experience in financial services. A serial entrepreneur, he has led a number of successful start-ups and has a proven track record of creating significant shareholder value, as well as having been repeatedly elected to the boards of regulatory and trade bodies.

Rob Clifford will join the firm on 6 January 2009* and will report into Jayne-Anne Gadhia who will now drive the worldwide financial services strategy forward. Virgin Money has a presence in the UK, Australia, South Africa and USA.

Virgin Money UK has seen strong growth since 2003 (CAGR 30.50%) and in his new position as UK Managing Director, Rob will be tasked with ensuring the business continues to grow quickly and profitably across credit card, protection and investments, as well as developing a new mortgage proposition for the business.

Jayne-Anne Gadhia, Executive Chairman of Virgin Money worldwide said: ‘I am delighted that Rob Clifford has agreed to join us. He has focused on value creation throughout his career and will bring his vast experience of the UK financial services market to make a major contribution in shaping and growing the Virgin Money business in the UK.’

Rob Clifford said: “I’ve spent over 20 years in financial services and been lucky enough to build several successful businesses with fantastic colleagues during that time. About 10 years ago I met Jayne-Anne Gadhia and became a fan of Virgin Money. We always believed that we’d eventually create the right opportunity to work together and now is that time.”

Rob added: “Having made massive emotional and physical investment in building businesses which became trusted and admired, there was no way I could miss an opportunity to become a custodian of one of the most powerful brands around. Virgin is all about being passionate, challenging and innovative and I’m certainly up for the challenge.”

* Subject to regulatory approval

About Virgin Money

Virgin Money is Virgin’s financial services arm and was established in 1995.

Virgin Money has over two million customers and offers a wide range of financial products across lending (e.g. credit cards and personal loans), savings (e.g. deposits, investments and pensions) and protection (e.g. life insurance, home insurance and car insurance) to the UK market.

Virgin Money Personal Financial Service Ltd is authorised and regulated by the Financial Services Authority (FSA). Registered Office: Discovery House, Whiting Road, Norwich NR4 6EJ. Registered in England no. 3072766. Entered on the Financial Services Register (www.fsa.gov.uk/register), Register Number: 179271

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LV= Has Reported That One In Three People In The UK Believe That Their Neighbourhood Has Declined Since They Moved To The Area

LV=, the UK insurance company, has commissioned a new report that has revealed that UK neighbourhoods appear to be in decline, with one in three people (33%) believing that their neighbourhood has gotten worse since they moved to the area. Moreover, a quarter of people said that they would like to move out of their neighbourhood, with less than one in ten saying that they would like it to remain ‘as it is’.

The ‘UK Neighbourhoods Report’ from LV, commissioned amongst more than 4000 home owners and home renters in the UK, paints a bleak picture of the declining standards of neighbourhoods in the UK. People say that compared to five years ago, they feel less safe, that local amenities and services have deteriorated, plus they have a growing fear of becoming a victim of street crime.

The report revealed that for most people, the concept of an ideal neighbourhood is one where they can live a quiet life free from the threat of street crime and anti-social behaviour. However, one in three people (32%) in the UK said that they feel they have seen an increase in street crime in their neighbourhood, with only 8% of people saying they have seen a drop over the last five years. This led to one in four people (28%) saying they feel unsafe walking in their neighbourhood at night.

Recently the Government announced that crime prevention and neighbourhood safety would be taken more seriously, with Communities Minister Baroness Andrews announcing a £500 million plan to revive deprived communities across the country, with the aim of cutting crime levels, improving educational achievements and boosting job opportunities.

John ‘O Roarke, managing director of LV Home Insurance, said: “This report shows that a large number of people throughout the country are not happy with the area they live in and, although there are many reasons for this, part of this is because of the apparent rise in street crime over the years. It is only natural for people to feel they should be able to rely on the police and crime prevention measures to make them feel secure but most people see standards largely as ‘average’, with a further quarter saying they actually regard it as poor.

“This paints a bleak picture of how large parts of society view their local areas, so this announcement by the Government to inject £500 million into certain areas to help tackle street crime is much needed.”

According to the report from the home insurer, the most popular thing that people in the UK want to change about their neighbourhood is the level of council tax they pay, with four out of ten people (40%) saying this is the biggest issue for them.

John ‘O Roarke continued: “Council tax has never been the most popular of bills but the fact that so many people are unhappy with the level they are paying can probably be linked back to the fact that people generally appear to believe that their local services need a lot of improvements made.

“It’s all too easy to say that if people are that unhappy with their neighbourhood, then they should move to somewhere else but with the current housing market decline and the credit crunch, it’s a difficult period for those who are aiming to sell their homes or move on. The Government has announced a number of steps to tackle neighbourhood concerns but only time will tell if they are enough.”

About LV=
LV= offers car insurance, home insurance and travel and pet insurance direct to consumers by telephone from its UK call centres in Bournemouth and Croydon and online.

LV= is a trademark of Liverpool Victoria Friendly Society Limited (LVFS) and LV= is a trading style of the Liverpool Victoria group of companies.

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Think Money Have Emphasised The Importance Of Good Future Planning With Regard To Interest-Only Mortgages

Responding to the news that over a million homebuyers have been offered interest-only mortgages with no savings plan to repay the remaining mortgage debt, financial solutions company Think Money have advised all homeowners on interest-only mortgages to carefully consider their plan of action for the future, adding that failure to do so could result in significant financial hardship later in life.

LV= estimate there to be around 2.9 million interest-only mortgages active in the UK. Of these, the report claims that 1.3 million – accounting for £74 billion of mortgages – have no specific savings plan in place to pay off their remaining mortgage debt once the interest-only period expires.

That means that around 45% of interest-only mortgages carry no specific capital repayment plan. LV= claim that 41% of these homeowners are relying on rising property value and cashing in equity to pay off the remaining mortgage capital, while 21% plan on using other investments.

More worryingly, 13% of respondents said that they did not know how they would pay off their remaining mortgage capital, while 12% said they hadn’t given the matter any thought.

Mike Rogers, LV= Group Chief Executive, commented that the previously booming housing market led many interest-only mortgage holders to believe the increased equity in their home at the end of the interest-only period would enable them to repay the mortgage, adding: “Many of the homeowners we polled appear to have an over-optimistic outlook on their ability to pay off their mortgage capital at the end of the term. Or worse still they are turning a blind eye to the issue.”

A mortgage expert for Think Money was quick to warn of the dangers of such an attitude towards interest-only mortgages. “There are two main ideas behind interest-only mortgages. Some homeowners simply want to reduce their mortgage payments in the short term to free up extra funds – after which normal (but slightly higher) mortgage payments resume.

“Others choose to go interest-only for the entire mortgage duration – typically 25 years – in which case the matter of repaying the remaining mortgage capital requires more in-depth planning. It would appear that this is an area which many interest-only mortgage holders have failed to address.

“The advantage of such long-term interest-only mortgages is that it allows control – the homeowner is responsible for saving towards the final mortgage repayment, and they can choose to pay more or less each month if necessary. But this is something which requires great discipline, and it also relies on the homeowner’s finances staying relatively consistent for the duration of the mortgage.

“The safest way to run an interest-only mortgage is to agree a capital repayment plan alongside the mortgage – or, at the very least, make frequent, substantial deposits into a savings account. Relying on increased equity or other investments are potentially risky, and could result in the mortgage holder losing their home at the end of the interest-only period.”

The Think Money spokesperson also emphasised the importance of professional mortgage advice before making any decisions about mortgages.

“Speaking to a mortgage adviser who knows the market can ensure that the homebuyer is well prepared and fully understands what is involved. That’s especially important with interest-only mortgages, as it’s a matter of the homeowner’s future financial security.”

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