Main Website Links

Summary

Smoking, have we considered all the costs of our favourite vice? We all know the price is running skywards just for purchasing a packet of our favourite brand, but have we considered the true savings to be had by kicking the habit?

Stop smoking and get all those things you thought you couldn't afford. Page 2

Author: Andrew Tuthill

To qualify for these savings, however, you need to

Mortgage - does it give the best deal against your home: A basic intorduction to the different types of mortgages available and their uses.
Rate Tarts No Longer Welcomed By Mortgage And Credit Card Providers: Mortgage lenders are taking steps to reduce the number of people switching their mortgages. This article looks at the situation.
Mortgages. Higher Lending Charges are outrageous.: Higher Lending Charges are often charged if your mortgage is 90% or more of your property's value. We think the charge is a form of profiteering by the lenders and should be abolished. This article explains why.
Loans. Mortgages. Credit cards. Interest rate rises around the corner.: The financial institutions are expecting interest rates to rise. When and what's expected?
Mortgages. Big changes in the buying and selling of houses.: In mid summer 2007 everyone who wants to sell a property will have to prepare a Home Information Packs before they put it on the market. This article explains what the Packs will have to include what they'll cost - and whether we expect them to work!
HIP's – the full story: Ready, steady, go! With just three months to sell your home using the forthcoming and compulsory information pack, you need to get your act together. Here we face the facts.

Life Insurance News

have kicked the wicked weed for at least a year with some companies asking for five years abstinence. Stopping is the easy bit it's staying off them that is the tough part. In the past year nearly a half of all smokers have attempted to quit and you can bet your bottom dollar that a high percentage of them are smoking again now.

If you do manage to stop, however, you will want to know how much lower your current insurance premiums can be. A good starting point is to contact your current life insurance provider, if you have one of course, to revise your policy. Although a good starting point I would strongly suggest this isn't your only action. The best savings are almost certainly likely to be found on the internet so shop around and you are sure to find a much improved quote.

Do make sure you have received your final price before cancelling you current policy (best done by simply cancelling your current direct debit payments), as internet base prices are highly likely to increase after medical questionnaires and other forms are completed. Even more so these days as insurance companies battling for custom on the internet are trying to lower their base rates. This obviously gives them an advantage of showing customers a better price on initial contact. This soon mounts up as questionnaires are filled, especially for the smokers amongst us!

With the smell, the price of smoking and the severe health risks involved it's amazing any of us still smoke. Perhaps the ban on smoking in enclosed public places coming into effect summer 2007 will persuade many of us to follow the thousands of Scots and Irish in kicking the habit. I for one could do with a new car and a few luxury holidays!

Today's Tip

If you want cheap motor insurance quotes then ensure you get some quotations from car insurance brokers. The brokers will compare the premiums from the various UK insurance companies and find you the best deals. And as in many things in life, remember that the cheapest is not necessarily the best – always check out the details of the insurance cover – for example, whether legal assistance or windscreen cover is included and whether a courtesy car is provided if your car is being repaired. Also check out the excesses on the policies you are being offered.

Did you Know?

If you smoke, the cost of your life insurance will be about double. And it's no use just giving it up a few weeks or months before you apply. Most life assurance companies say you mustn't have smoked for a least 12 months prior to the application – and some insurers extend this to 5 years!

Did you Know?

When looking for low mortgage rates you're sure to face the decision between choosing a cheap rate or a higher rate mortgage but which has very low, or no up front costs.