Nicholas Hunt Profile and Articles

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1). Is Credit Card APR All That Counts?
Not all credit cards are born equal. Different cards have different offers, features, and charges, and choosing a card is not as simple as going for the one with the lowest advertised rate. Various types of card are suitable for different types of use, and choosing the right card for you depends on how you plan to use it as well as how low the rate is, or how attractive the introductory offer.

2). Payday Loans : For and Against
While payday loans have long been popular in the USA, they are a relatively new service for UK customers, and many people aren't sure exactly what they are. With all the controversy over whether they're a worthwhile service or simply a form of legalised sharking, it's a good idea for any UK resident thinking of applying to know exactly what they're getting into.

3). Personal Loans : Is Early Repayment a Good Use for Spare Cash?
Reducing your overall debt level as much as possible is always a good idea, and is usually recommended as part of a budgeting plan. If you have some spare funds available, you might be tempted to clear your personal loan, as nearly all loan plans allow for full repayment before the term is over. However, there are a few things to bear in mind before deciding whether paying off your loan is the best use of your spare cash.

4). Your Travel and Holiday Money Options
With summer finally getting into full swing, many of us will be looking forward to travelling abroad for a well earned holiday. Of course, you'll need access to cash while you're away, so what are the best and safest ways of arranging your travel money?
1) Local Currency
It's a good idea to take a small amount of local currency with you whenever you travel, if only enough to last you for your first few hours.

5). About Basic Bank Accounts
Despite easier than ever access to personal finance services, there are still 3 million adults in the UK today who are completely outside the banking system, and don't have access to a bank account.

Many of these people are unable to get a standard account because they have a poor credit score, either because of past financial difficulties or simply a lack of positive financial history.

6). For And Against Debt Management
Millions of people are finding that their debts are becoming a serious problem, as the effects of years of easily available credit start to bite. There are also many companies who promise to solve all your debt worries, slashing your repayments and clearing your debt completely within a few years. Is this too good to be true?
First, we need to find out exactly what debt management is.

7). County Court Judgements Explained
Having a County Court Judgement or CCJ issued against you will have a severe impact on your credit rating, as it signifies that you have had serious problems paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to try and recover the debt.
If you get into arrears and fail to come to a repayment agreement, your creditor may decide that pursuing a CCJ is the only option.

8). Getting a Credit Card with a Bad Credit Rating
Paying with plastic has become a common part of everyday life, with more people now using credit or debit cards than cash for day to day purchases. The rapid rise of online shopping means that it's almost essential to have some way of paying by card, but people with poor credit ratings have always struggled to get approved for credit cards. It's not impossible though, and there are ways for people with even the most impaired credit histories to enjoy the convenience of plastic.

9). 8 Easy Routes to Cheaper Car Insurance
Car insurance is one of the most expensive costs involved in driving a car, and it's not something you can avoid - a minimum level of insurance is required by law. That doesn't mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.
1) Shop around and buy online: Figures show that many people simply renew their current policies without shopping around.

10). Ten Ways to Fight Identity Theft
Recent reports estimate that as many as one in ten of the population have been a victim of indentity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and theft in your name - leaving you to pick up the pieces afterwards.

11). About Dormant Bank Accounts
Banking experts estimate that up to Ł5bn may be sitting unclaimed in UK bank accounts that have gone 'dormant'. What does this mean, and could you be entitled to a share in this huge amount of idle money?
A bank account goes dormant when, in the words of the British Bankers' Association, a bank and a customer 'lose touch with each other'. What this usually means in practice is that a customer has either passed away or moved house, and the bank haven't been told and are unable to locate the account holder some time later.

12). Face Up to Your Debts, They Won't Go Away
Record numbers of people are struggling under the burden of heavy debt, and when things start to get unmanagable it's easy to try and ignore the situation in the vain hope that the problem will go away. Of course, we all know deep down that our debt situation has to be tackled, however stressful and scary the prospect might be. So how can you go about facing up to your debts?
The first thing to do is take a long look at your financial situation.

13). Five Reasons to Consider a Remortgage
Gone are the days when we took out a mortgage and stuck with it for life, until the debt had been completely repaid. The remortgage market is big business these days, and taking a look at the options available could considerably improve your finances. What are some of the reasons for considering switching your mortgage?
1) Get a better deal: Are you.

14). 8 Easy Tips for Cheaper Home Insurance
No one likes paying for home insurance, but it's a necessary evil for most of us. This doesn't mean you have to pay through the nose for it though - try these 8 easy tips for cheaper home insurance and see how much you could reduce your premiums by.
- Shop Around
By comparing prices from several insurance companies, you'll probably be able to reduce your premiums by a substantial amount.