Improve Your Credit Rating

The cashplus prepaid Gold MasterCard is now available with credit builder - an additional service which is added to your cashplus prepaid card account at no extra cost and it may even improve your credit score.

Maybe you are one of hundreds of thousands of people here in the UK who find it an absolute nightmare obtaining credit because of a poor credit history - maybe you haven't even had the chance to build up a credit history ... well, we've some good news for you and in short, it's called creditbuilder.

What's creditbuilder ?

creditbuilder is a new feature offered by cashplus, simply add the creditbuilder service onto your cashplus prepaid gold MasterCard account and you can enhance your credit rating whilst using your PAYG MasterCard.

• NO Credit Check
• NO Bank Account Needed
• NO Interest
• NO Administration Fees
• NO Extra Charges

creditbuilder by cashplus is a new low-risk solution for many thousands of people who have a bad credit history - simply apply online for the cashplus prepaid gold MasterCard and benefit from all the usual benefits a credit card offers but without the need for credit and then add the creditbuilder feature, at no extra cost, to your prepaid card account - simple.

In a nutshell, creditbuilder helps you gain a more desireable credit rating by offering you a small interest free loan of £59.40 - this small loan actually pays the 12 monthly fees that you would normally pay for a years use of the cashplus prepaid gold MasterCard, up front.

Simply continue paying your normal activeplus monthly fee but instead of it counting as a monthly fee payment, it is seen as repaying an installment off the interest free loan which in turn, is reported to the credit reference agency - voila !

If you'd like to improve your credit rating, take a look at the cashplus prepaid gold MasterCard.

ISA Allowance Deadline 5th April 2009

If you want to save up to £7,200 tax free for the financial year 2008 – 2009, you’ll have to get a spurt on, the ISA allowance deadline is just days away.

Each financial tax year, you can put away £3,600 in a cash ISA and the remainder in an equity ISA or even all your £7,200 lump sum if you wish in an equity ISA.

The ISA allowance deadline is 5th April 2009 so to take advance of the current tax year, you must place your allowance in either a savings ISA and / or an investment ISA.

Don’t be one of thousands upon thousands of individuals who never take advantage of tax free savings – after all, you don’t get a great deal free for nothing these days so go on and take advantage of a tax efficient ISA today and don’t miss out.

Credit Solutions 4 All.co.uk recommend only the best known and most trust worthy names in the financial marketplace so we highly recommend you pop along to their new savings section and bag yourself a new ISA deal today.

ISA’s are great tax free savings or investment shares accounts with guaranteed rates of interest and with many requiring just £1 to open the account – now really is the time to get your money working smarter for you.

So who’s eligible ?

Anyone aged 16 and above can invest up to £7,200 tax free each tax year – up to £3,600 can be placed in a cash ISA and the remainder or even all of your £7,200 can be placed in a shares ISA.

If you want to take advantage of tax free savings and investments for the current tax year, grab yourself a cash ISA or a shares ISA today before it's too late.

Banks Fat Cat Bonuses

You've no doubt already heard of the big banks fat cat bonuses and the criticism being received and in our humble opinion, the criticism is much deserved.

These so called experts running some of the UK's biggest banking institutions have in our opinion, gambled unnecessarily with 'our money' and furthermore, to add insult to injury, executives at the top of the ladder, we believe, are now to receive big fat bonuses and from money, us tax payers have ploughed into the system - what is this country coming to ?

What are your thoughts on where the UK stands financially ?

Do you agree with us that tax payers money should NOT be used to fund big fat bonuses for banks who have gambled with our money ?

We're giving you the opportunity to voice your opinion HERE today !

Prepaid Cards On The UP

The great British summer appears to be at an end what with the cold wet weather now upon us and to add to peoples misery the economy isn't much better than the long range weather forecast - the credit crunch deepens.

Despite the credit crunch and the fact that everyday people are finding it increasingly difficult to obtain conventional credit in the form of credit cards, prepaid cards are actually on the up - public interest in prepaid pay as you go cards continues to rise.

Credit has become extremely difficult to obtain, well, at good rates anyway as the banks keep increasing their charges for credit accounts - so whilst the economy is in a terrible state and the awful weather is abysmally depressing, prepaid PAYG cards might be the way to go - most cards available offer easy online applications and you the customer, stay in complete control of your finances.

Take a look at a whole host of prepaid cards available at http://www.e-debitcard4all.com/ where you'll be able to look up the types of cards available including VISA, MasterCard and Maestro branded plastic cards.

A large number of prepaid credit cards are guaranteed acceptance PAYG cards - ALL customers / applicants MUST have a valid UK address which can be verified.

To view a comprehensive range of well known and branded prepaid credit cards ... visit http://www.e-debitcard4all.com/ today.

Selling Your House During The Credit Crunch

The credit crunch has had such a knock on effect that even selling your home is not as easy as it was this time last year.

There's no doubt that things have changed drastically in the UK housing market over the past few months but it is still possible to sell your house in a falling market and selling it privately makes even more sense than ever when you need to gain maximum profit from the sale.

By using an estate agent, you'll have their commission to pay - money which is better served in your pocket and do you really want to pay perhaps an average fee of £5000 or more when maybe the value of your property is falling.

Furthermore, have you seen the comments on recent reports on the TV news stating that some estate agents are cutting down on advertising etc ... all this will have an adverse effect on how often your property is viewed, for sale.

As the end of the day, you want your estate agent to promote your property - don't you ...

So with the ever increasing risk of recession, take a look at selling privately which can cost as little as £47 - just a very small dent and percentage of your property value.

£199 gets your property an online brochure with twenty colour photographs, it will be advertised on an extensive number of well known property web sites, reaching up to 3 million house hunters each month ... and not to mention a For Sale board which is important at any time and vital in a reducing market place as you need to maximise your exposure in your local area.

Now, imagine the money you have saved by not using an estate agent, having no estate agents fees to cough up - that could go a long way to putting in a new kitchen or bathroom, a conservatory or a garden make-over ... alternatively, your saving would also cover your home moving costs such as a removal firm, legal fees, stamp duty on the home you are buying - get the picture ...

You might be worried there are no house buyers out there but rest assured, there are always people on the look out to move property because of changes in their personal life - a new baby, their home is too big or too small and they want to down-size or up-size accordingly.

If you are sitting on the fence thinking it's not the right time, think again - putting your house up for sale might be a good tactic especially if house prices drop further as many experts predict.

Selling your house privately also allows you to find out with the minimal of risk with just a small upfront fee and no commissions to pay.

There are a number of establishments online to help you in your private sale venture however, Houseweb.com have pioneered private property selling on the internet allowing you, the seller to easily place your property online for sale within just 30 minutes - yet another point scored over using an estate agent.

Finally, last but not least, don't forget about your Home Information Pack also known or referred to as HIP's - this is a requirement when selling.

Real Recession Risk

Investment Bank Lehman Brothers have reported a one in three chance of the United Kingdom going into a recession in the next 2 years.

The risk of recession in the UK is a strong possibility and with this real risk looming, the Bank of England may be forced to cut rates further to help the economy.

It is now clear that the banking system is under strain what with households across the UK finding it more and more difficult to obtain finance to buy a new house or to remortgage their existing home - the credit crunch really is hitting us all.

The current credit crisis continues to impact on the property market and it is predicted that house prices will continue to fall by as much as 8% by the end of 2009.

In a nutshell, we are entering an economic slowdown which may last for 2 or 3 years.

Fingers crossed, hopefully the UK will avoid a recession but in the meantime, the UK people are looking at ways of reducing their outgoings by tightening their belts and looking at ways of saving on essential food goods, mortgage rates and utility bills.

100% Mortgages - Going ... Going ... Gone

Well, what with all the press coverage the current 'credit crunch' received, it was inevitable that the 100% mortgage era was nearing an end and earlier this month, Abbey announced their withdrawal of their 100% mortgages for first time buyers.

Abbey being the last lender in this particular mortgage lending arena pulled their 100% mortgaging service following many others who pulled out a number of weeks prior and this was as a direct result of the well publicised 'credit crunch'.

Even now, the tightening up of lending continues and will no doubt go on for some time to come - the banks and building societies throughout the UK having to adjust to such a difficult credit climate - many lenders are now operating as they did years ago whereby the first time buyer needs to save as much as 15% to put down as a deposit on their new home ... the lenders offering at most, 85% as a loan to value ration, also known as LTV, not to mention increased interest rates and higher fees.

So what does this mean for the first time buyer?

Simply put, you'll have to save for a deposit to put down on your first house purchase or wait - nobody knows just yet whether 100% mortgages are gone for good, it might simply be a temporary suspension of them but it is not thought they will make a return too soon.

For great 85% LTV deals for first time buyers - visit Want 2 Buy It.co.uk ...