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<title>Chris Clare - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Chris_Clare</link>
<pubDate>Wed, 15 Feb 2012 01:30:00 -0600</pubDate>
<image><title>Chris Clare - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Chris_Clare</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[I am a fully qualified independent financial advisor. I have been running my firm of advisors for nearly 20 years and have 7 advisors working within that firm. Our advice, owing to the amount of advisors we have in the firm does specialise in many areas but includes pensions protection savings investments personal taxation and mortgages.]]></description>
<lastBuildDate>Tue, 24 Mar 2009 09:50:42 -0500</lastBuildDate>
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<item>
<title>Is Whole Life Insurance the Right Product</title>
<link>http://EzineArticles.com/2115610</link>
<guid>http://EzineArticles.com/2115610</guid>
<pubDate>Tue, 24 Mar 2009 09:50:42 -0500</pubDate>
<description><![CDATA[I am often asked by clients for a whole of life insurance product rather than level term. The main motivation for this request is the fact that whole life insurance is considered by most people on the basis that it is not dead money.]]></description>
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<item>
<title>A Family Income Plan Can Be the Solution to Your Life Insurance</title>
<link>http://EzineArticles.com/2097465</link>
<guid>http://EzineArticles.com/2097465</guid>
<pubDate>Tue, 17 Mar 2009 11:32:25 -0500</pubDate>
<description><![CDATA[Life insurance can be a very complex product to take out. Unless you have a specific need, such as a mortgage, loan or inheritance tax liability to cover, the question on most peoples lips is "how much cover do I take out?"]]></description>
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<item>
<title>Billions in the Markets and No Sign of Recovery</title>
<link>http://EzineArticles.com/2097455</link>
<guid>http://EzineArticles.com/2097455</guid>
<pubDate>Tue, 17 Mar 2009 11:31:32 -0500</pubDate>
<description><![CDATA[I can fully appreciate and completely understand why some people may possibly be in turmoil by the current financial situation.  In spite of the colossal amount of cash poured into the banking system, property purchasing and development is alluding people, due to the fact that they cannot borrow money from the lenders.  Even simple purchasing on the high street appears to be a thing of the past because credit is impossible.]]></description>
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<item>
<title>Is Throwing Money at the Mortgage Market the Solution?</title>
<link>http://EzineArticles.com/1698231</link>
<guid>http://EzineArticles.com/1698231</guid>
<pubDate>Tue, 18 Nov 2008 11:14:52 -0600</pubDate>
<description><![CDATA[You may have noticed over the last month many countries have past bills in their governments to inject substantial amounts of cash into their banking system. They have done this on the understanding that all the bad loans also known as toxic debt is weakening the institutions and rendering us unable to borrow money so leaving us all worse off as a result.]]></description>
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<item>
<title>Interest Rate Cut - Good Or Bad For Customers</title>
<link>http://EzineArticles.com/1673633</link>
<guid>http://EzineArticles.com/1673633</guid>
<pubDate>Wed, 12 Nov 2008 09:46:07 -0600</pubDate>
<description><![CDATA[As the credit crisis deepens and more people are feeling the real impact as credit becomes more difficult to obtain, the focus on interest rates has never been greater. 12 months ago, only those connected to the financial services industry were aware of LIBOR and its importance in the marketplace. Today LIBOR is discussed in living rooms and pubs throughout the country with many of these discussions fueled by news reports on television.]]></description>
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<item>
<title>With the Mortgage Market Tightening What Will Happen to Buy to Let?</title>
<link>http://EzineArticles.com/1666338</link>
<guid>http://EzineArticles.com/1666338</guid>
<pubDate>Mon, 10 Nov 2008 10:39:31 -0600</pubDate>
<description><![CDATA[It shouldn't have to be said that the mortgage market is going through a state of flux at the moment and yes that is an understatement. The mortgage market over the last 6 months has turned from a well oiled machine to what can only be described as a farm yard tractor left out in the field for 10 years left to just seize up.]]></description>
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<item>
<title>Any Insurance is Better Than No Insurance</title>
<link>http://EzineArticles.com/1666332</link>
<guid>http://EzineArticles.com/1666332</guid>
<pubDate>Mon, 10 Nov 2008 10:37:25 -0600</pubDate>
<description><![CDATA[Over the boom time I have seen many clients take out mortgages and with little concern for what might happen in the future. It was very much a live for today and worry about tomorrow, well tomorrow, and we all know tomorrow never comes.]]></description>
</item>
<item>
<title>There Has Never Been a Better Time For Good Financial Advice</title>
<link>http://EzineArticles.com/1655327</link>
<guid>http://EzineArticles.com/1655327</guid>
<pubDate>Thu, 06 Nov 2008 16:22:45 -0600</pubDate>
<description><![CDATA[People often use dentists, accountants, solicitors and other professionals, but it has to be said that the majority don't go out seeking advice from a financial advisor. Most people leave talking to an IFA, an independent financial advisor, till the day they think they actually need something, such as a mortgage life insurance pension or savings plan.]]></description>
</item>
<item>
<title>Bank Base Rates Drop an Unprecedented Level in the UK But Will it Make a Difference?</title>
<link>http://EzineArticles.com/1655315</link>
<guid>http://EzineArticles.com/1655315</guid>
<pubDate>Thu, 06 Nov 2008 16:20:29 -0600</pubDate>
<description><![CDATA[At a meeting of the Bank Of England's monetary policy committee today the 6th of November 2008 the Bank decided to drop bank base rate by a whopping 1.5%. This level of reduction has never been seen before and the new bank base rate of 3% has not been seen in the United Kingdom since 1954.]]></description>
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<item>
<title>How Whole Life Insurance Works and How to Make it Cheaper Than it Should Be</title>
<link>http://EzineArticles.com/1617617</link>
<guid>http://EzineArticles.com/1617617</guid>
<pubDate>Fri, 31 Oct 2008 11:23:27 -0500</pubDate>
<description><![CDATA[Whole life insurance is very similar to another type of life insurance known as term insurance or term assurance, in that, if the life assured dies it pays out the benefit to their estate. That said, that is were the similarity ends, because whole life insurance runs for the whole of the life assureds life whereas term insurance, by the definition term, only runs for a specified period of time.]]></description>
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<item>
<title>How to Make Your Finances Survive the Credit Crunch</title>
<link>http://EzineArticles.com/1632196</link>
<guid>http://EzineArticles.com/1632196</guid>
<pubDate>Thu, 30 Oct 2008 16:48:40 -0500</pubDate>
<description><![CDATA[I have put this guide together primarily because I am currently getting a lot of inquiries from people who are feeling the pinch from the credit crunch and they are asking for ways to get through it with the minimum of long term consequences. Now please understand that this is not a quick fix and it does take a lot of hard work and a great deal of sacrifice but if you are prepared for both then this will help. Remember we are a nation of borrowers and not savers and it is for this reason alone that we all find ourselves in this position.]]></description>
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<item>
<title>What Types of Life Insurance Are There and What Are They For?</title>
<link>http://EzineArticles.com/1617631</link>
<guid>http://EzineArticles.com/1617631</guid>
<pubDate>Mon, 27 Oct 2008 11:15:09 -0500</pubDate>
<description><![CDATA[Getting the right type of life insurance for you and your family can be one of the most important decisions you will ever make. The major problem with this decision however is, if you get it wrong you will probably not know until you have died and it is too late. So this article has been written with the hope that it's a clear breakdown of the cover available to you will help you to make the right choice now and see you right in the future.]]></description>
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<item>
<title>The World Financial Crisis - What is the Solution?</title>
<link>http://EzineArticles.com/1617625</link>
<guid>http://EzineArticles.com/1617625</guid>
<pubDate>Mon, 27 Oct 2008 11:14:44 -0500</pubDate>
<description><![CDATA[If you are reading this article because you think I have come up with the ultimate solution to our current global financial crisis, then I am really sorry to disappoint you. I have no idea, only time will tell us the right solution. In this article I am going to explore the current proposals and some of the ideas that have been put about and just cast my humble opinion upon them, so I hope you find it useful nonetheless.]]></description>
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<item>
<title>Life Insurance and Getting the Best Deal For You and Your Family</title>
<link>http://EzineArticles.com/1617622</link>
<guid>http://EzineArticles.com/1617622</guid>
<pubDate>Mon, 27 Oct 2008 11:14:20 -0500</pubDate>
<description><![CDATA[At some point in everyone's life they will have a need for life insurance, whether it is to cover a mortgage or other loan, to protect against inheritance tax, or to just protect their families standard of living should they die. This article will go some way to hopefully pointing you in the right direction of the most appropriate plan and the best place to source it.]]></description>
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<item>
<title>Keep Your Life Insurance Running Especially When Money is Tight</title>
<link>http://EzineArticles.com/1583056</link>
<guid>http://EzineArticles.com/1583056</guid>
<pubDate>Wed, 15 Oct 2008 13:53:27 -0500</pubDate>
<description><![CDATA[Everyone is looking at their budget in these hard times. People are going through all their direct debits and standing orders and seeing what they can afford to cut to save some pennies. It is with some irony then that at these times of hardship one of the first things to go is Life Insurance.]]></description>
</item>
<item>
<title>Why is the Housing Market So Overcooked and Does This Relate to the Credit Crunch?</title>
<link>http://EzineArticles.com/1582795</link>
<guid>http://EzineArticles.com/1582795</guid>
<pubDate>Wed, 15 Oct 2008 13:37:58 -0500</pubDate>
<description><![CDATA[You have to have been living under a rock to be unaware of two very important pieces of news currently dominating the media. We are slap bang in the middle of a credit crunch and the cost of houses at the moment is unfathomably high.]]></description>
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<item>
<title>Getting a Mortgage in the New Financial Climate</title>
<link>http://EzineArticles.com/1582770</link>
<guid>http://EzineArticles.com/1582770</guid>
<pubDate>Wed, 15 Oct 2008 13:34:45 -0500</pubDate>
<description><![CDATA[With all that is going on at present in the world of finance, the never ending news feeds of companies collapsing, panic over savings, governments having to finance and in some cases nationalize institutions, it will come as no surprise to the average house buyer that mortgages are harder to obtain than they were only twelve months ago.  The days of getting a 125% loan to value mortgage are long gone, 100% ones a thing of the past and indeed to obtain a 95% mortgage your credit rating would need to be pristine to say the least. ]]></description>
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<item>
<title>Mortgage Advice And Getting The Best Deal Online</title>
<link>http://EzineArticles.com/1137164</link>
<guid>http://EzineArticles.com/1137164</guid>
<pubDate>Mon, 28 Apr 2008 15:33:57 -0500</pubDate>
<description><![CDATA[This article is all about mortgage advice and particularly getting the best mortgage deal online. Owing to the many myriad of web sites purporting to offer mortgage advice we will explore the possibilities and give you some idea as to what to look for and how to get it.  Over the last five years or so, buying habits in many industries have changed, not least in the mortgage market. No least in the mortgage and financial services market has this change been seen the most. It has been a long standing habit that people seeking financial advice particularly mortgage advice, have sought the assistance of a mortgage broker or mortgage advisor. This has been in no small part due to the fact that this area of financial planning can be a complex one.]]></description>
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<item>
<title>Where Is The Best Place To Buy Life Insurance?</title>
<link>http://EzineArticles.com/1137159</link>
<guid>http://EzineArticles.com/1137159</guid>
<pubDate>Mon, 28 Apr 2008 15:33:28 -0500</pubDate>
<description><![CDATA[There are many reasons that one may want to obtain life insurance but the main one is to ensure that their spouse, children and loved ones are taken care of in the event that he or she should die.  Having a life insurance policy will allow your family to get money to cover the income loss in the event of your death.  This will allow them to be able to make ends meet and to cover any funeral costs that they will have for you.  The money can also be used to pay off any debts that you had.  So where exactly do you get life insurance policies from?]]></description>
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<item>
<title>What Is Critical Illness Insurance And Do I Need It?</title>
<link>http://EzineArticles.com/1137156</link>
<guid>http://EzineArticles.com/1137156</guid>
<pubDate>Mon, 28 Apr 2008 15:31:01 -0500</pubDate>
<description><![CDATA[This article will go some way to explaining what exactly critical illness insurance is when and how it can be used and whether or not you actually need it as part of your overall financial planning.  A lot of people are fully aware of life insurance and quite a few of them already are aware of the fact that they need some sort of life insurance as part of good financial planning. This is not least when they have a mortgage or a loan to insure. That said considerably fewer of them are aware of critical illness insurance let alone the important role it can actually play in good financial planning.]]></description>
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<item>
<title>Whole Of Life Insurance And Its Uses</title>
<link>http://EzineArticles.com/1106072</link>
<guid>http://EzineArticles.com/1106072</guid>
<pubDate>Tue, 15 Apr 2008 08:37:14 -0500</pubDate>
<description><![CDATA[There are so many different types of life insurance out there.  You might well ask yourself, since it's insurance, it is all the same does it really matter what I get as long as I get some insurance?  Well, if you do even the smallest amount of research on the Internet, you will soon realize that, not only does it matter, but also the differences are great and making the wrong decisions can be devastating to your financial situation both today and in the future.  It is advisable that you take the time to research the options and apply your newfound knowledge to your own situation and let it help to guide you in your quest for the correct coverage to plan for your and your family's future.  ]]></description>
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<item>
<title>Getting A Mortgage In The Credit Crunch</title>
<link>http://EzineArticles.com/1106070</link>
<guid>http://EzineArticles.com/1106070</guid>
<pubDate>Tue, 15 Apr 2008 08:36:31 -0500</pubDate>
<description><![CDATA[This is an article is all about getting a mortgage in the credit crunch and how your credit score last year may have got you a decent mortgage, that same credit score is presenting you with problems getting the very best market leading rates.  To understand the situation you first have to be aware of what exactly is out there that is affecting your ability to get particular mortgage products with particular lenders. This issue is broken down into two parts. The first part is the credit crunch itself and the second part is how lenders score borrowers for mortgages. ]]></description>
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<item>
<title>Is Mortgage Life Insurance Really Necessary?</title>
<link>http://EzineArticles.com/1106052</link>
<guid>http://EzineArticles.com/1106052</guid>
<pubDate>Tue, 15 Apr 2008 08:35:58 -0500</pubDate>
<description><![CDATA[You may be thinking to yourself that this does not apply to you. You already have life insurance, so why get mortgage life insurance?  What you may not know is that with a mortgage life insurance policy, in the event of your death, the outstanding balance of your mortgage will be covered, ensuring that your family will not be put under unnecessary financial pressure. With a repayment mortgage what happens is that the level of coverage will decrease in line with the decrease in the level of debt, ensuring that you are not paying more than your situation dictates. ]]></description>
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<item>
<title>Why Do I Need Life Insurance?</title>
<link>http://EzineArticles.com/1106050</link>
<guid>http://EzineArticles.com/1106050</guid>
<pubDate>Tue, 15 Apr 2008 08:35:09 -0500</pubDate>
<description><![CDATA[With the highlight these days on healthier living, the drive in our personal lifestyle is focused on staying in shape, eating a proper diet and keeping fit and with this in mind the question we may ask ourselves may be "why would I need life insurance?"    This could be perceived as being simplistic thinking because, really, no one knows what awaits them around the next corner and your lifestyle choice is only one part of the equation. You may very well be a careful driver but that doesn't stop you from insuring your car.]]></description>
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<item>
<title>The Need To Review Your Life Insurance</title>
<link>http://EzineArticles.com/1106046</link>
<guid>http://EzineArticles.com/1106046</guid>
<pubDate>Tue, 15 Apr 2008 08:34:28 -0500</pubDate>
<description><![CDATA[So you took out a life insurance policy four or five years ago that gave ample coverage for your financial needs and in that regard it should still be giving you the best deal for your money, right? Wrong. If you think like this you might as well take your money and spend it on lottery tickets in the hope that some day your numbers might come up and you hit the jackpot.]]></description>
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<item>
<title>What Is A Family Income Plan-Life Insurance Policy And Why Have One?</title>
<link>http://EzineArticles.com/1022354</link>
<guid>http://EzineArticles.com/1022354</guid>
<pubDate>Wed, 05 Mar 2008 11:13:06 -0600</pubDate>
<description><![CDATA[In this article I will discuss the benefits of a little known but very important plan called a family income plan which is also known as family income benefit. I will explain how the plan works and further I will go into how this type of plan can benefit the average client looking for life insurance.]]></description>
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<item>
<title>How Do I Know How Much I Can Borrow On A Mortgage?</title>
<link>http://EzineArticles.com/1019029</link>
<guid>http://EzineArticles.com/1019029</guid>
<pubDate>Mon, 03 Mar 2008 11:45:57 -0600</pubDate>
<description><![CDATA[The question here is not how much money you could borrow but how much you would be able to afford. Affordability is not just about how much money you yourself feel that that you can afford but how much money the mortgage lender feels you can afford.]]></description>
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<item>
<title>Is It Really Worth The Risk Having An Interest Only Mortgage?</title>
<link>http://EzineArticles.com/1019025</link>
<guid>http://EzineArticles.com/1019025</guid>
<pubDate>Mon, 03 Mar 2008 11:45:11 -0600</pubDate>
<description><![CDATA[Interest only mortgages, without a suitable repayment vehicle or repayment strategy, carry a great risk and as such it is necessary to point out that this article and the information contained within it is in no way a recommendation. To arrange any mortgage on an interest only basis comes with an inherent risk. These risks are discussed within this article but any responsibility for arranging an interest only mortgage should be taken seriously by the mortgagee that is the borrower.]]></description>
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<item>
<title>Effective Use Of Life Cover For Good Financial Planning</title>
<link>http://EzineArticles.com/1019020</link>
<guid>http://EzineArticles.com/1019020</guid>
<pubDate>Mon, 03 Mar 2008 11:44:13 -0600</pubDate>
<description><![CDATA[Eventually all of us come to the realisation that we need life cover, but we don't always know how much cover to get or what sort. In the next few paragraphs we will attempt to shed some light on the matter. By the end of the article, you should have a better idea of what cover you need to suit your particular financial and personal situation.]]></description>
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<item>
<title>The Benefits Of Ensuring You Have Critical Illness Insurance Within Your Life Plan</title>
<link>http://EzineArticles.com/1019017</link>
<guid>http://EzineArticles.com/1019017</guid>
<pubDate>Mon, 03 Mar 2008 11:43:06 -0600</pubDate>
<description><![CDATA[Critical Illness cover is a form of insurance product whereby the policy holder receives a lump sum cash payment from the insurer once diagnosed with any given illness stipulated in the policy. Unlike full life insurance, it does not require the policy holder to die.]]></description>
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<item>
<title>The Benefits To Organisations Of Having Keyman Life Insurance</title>
<link>http://EzineArticles.com/1019013</link>
<guid>http://EzineArticles.com/1019013</guid>
<pubDate>Mon, 03 Mar 2008 11:32:52 -0600</pubDate>
<description><![CDATA[As any business should, if you have not already seriously considered Keyman Life Insurance policies, then you definitely should consider reading the rest of this article carefully. It might be the most important thing you read today.]]></description>
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<item>
<title>Shopping Around For Quality Life Insurance</title>
<link>http://EzineArticles.com/1019006</link>
<guid>http://EzineArticles.com/1019006</guid>
<pubDate>Mon, 03 Mar 2008 11:31:47 -0600</pubDate>
<description><![CDATA[There are many factors to consider when making a life insurance purchase. But hopefully the following few paragraphs will help explain in plain language the best choices to be made in order to obtain the best package for yourself and your individual circumstances.]]></description>
</item>
<item>
<title>Annual Review vs Monthly Rest Mortgage - What Is The Difference?</title>
<link>http://EzineArticles.com/1019059</link>
<guid>http://EzineArticles.com/1019059</guid>
<pubDate>Mon, 03 Mar 2008 11:07:22 -0600</pubDate>
<description><![CDATA[This article will go some way to explaining the terms annual review and monthly rest and explain the benefits between the two ways in which lenders calculate interest and as a consequence which is better for you the borrower in particular situations.  There are two ways in which the lenders calculate the interest on the mortgage and deciding which will be of greater benefit depends on the way you plan to pay back the loan. ]]></description>
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<item>
<title>What Exactly is an Offset Mortgage?</title>
<link>http://EzineArticles.com/1019057</link>
<guid>http://EzineArticles.com/1019057</guid>
<pubDate>Mon, 03 Mar 2008 11:06:12 -0600</pubDate>
<description><![CDATA[Some of you may not know exactly what an offset mortgage is, so in this article we will attempt to shed some light on this subject. We will aim to define an offset mortgage and illustrate how it may of benefit to you the borrower. It will also show how you may be able to save money by reducing the amount of interest you pay on your borrowed money.]]></description>
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<item>
<title>What Does The Credit Crunch Mean To You?</title>
<link>http://EzineArticles.com/999990</link>
<guid>http://EzineArticles.com/999990</guid>
<pubDate>Mon, 25 Feb 2008 15:17:29 -0600</pubDate>
<description><![CDATA[The aim of this article is to define the credit crunch and explain how it may have an affect on you as a borrower. Although it is compiled with the UK market in mind, due to similarities between the different countries within the European and world markets, the effect it may have on the individuals within these markets will likewise be similar.]]></description>
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<item>
<title>Why Arrange Life Insurance Cover?</title>
<link>http://EzineArticles.com/999981</link>
<guid>http://EzineArticles.com/999981</guid>
<pubDate>Mon, 25 Feb 2008 15:14:26 -0600</pubDate>
<description><![CDATA[One thing none of us want to think about is our own deaths.  Beyond the fact that we'd no longer be able to experience life, we can also leave our families with huge obligations.  From loans, mortgages to more complex expenses that our passing would force our families and loved ones to cope with; doesn't it make sense to have protection?]]></description>
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<item>
<title>Joint Life First Death Life Insurance Or 2 Single Life Plans?</title>
<link>http://EzineArticles.com/999979</link>
<guid>http://EzineArticles.com/999979</guid>
<pubDate>Mon, 25 Feb 2008 15:12:58 -0600</pubDate>
<description><![CDATA[This information has been written for the benefit of couples who are looking to purchase life insurance. It shows you the benefits of taking out two single life plans instead of a joint life first death policy.  Once you have decided that you need life insurance, the majority of people are not aware that in some cases it can be more beneficial for you to take out two single life plans rather than the joint life first death plan.]]></description>
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<item>
<title>Interest Only Or Repayment Mortgage - Which To Choose?</title>
<link>http://EzineArticles.com/999975</link>
<guid>http://EzineArticles.com/999975</guid>
<pubDate>Mon, 25 Feb 2008 15:11:28 -0600</pubDate>
<description><![CDATA[Although we all know that there is no such thing as a free lunch, and borrowed money has to be repaid sometime, the interest only option is making the actual act of repaying seem more and more forgotten about. Therefore this article seeks to highlight the ways in which mortgages can be arranged so that eventual repayment is a priority.]]></description>
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<item>
<title>Shopping Around For Life Insurance</title>
<link>http://EzineArticles.com/999968</link>
<guid>http://EzineArticles.com/999968</guid>
<pubDate>Mon, 25 Feb 2008 15:10:00 -0600</pubDate>
<description><![CDATA[No-one likes to dwell on the inevitable, so its easy to put off buying life insurance. But a little bit of careful planning could quite literally pay big dividends in the longterm. Going on-line is one way to ease the pressure of this decision. You may be pleasantly surprised when you find how easy it is to find what you're looking for and what great deals there are to be had.]]></description>
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<item>
<title>Given The Choice, Term Insurance Or Whole Of Life - What's Better?</title>
<link>http://EzineArticles.com/999962</link>
<guid>http://EzineArticles.com/999962</guid>
<pubDate>Mon, 25 Feb 2008 15:07:38 -0600</pubDate>
<description><![CDATA[Trying to find the right life insurance policy for you can be very difficult. This is due mainly to the fact that you have to consider your personal circumstances and how they affect the choice of plan you ultimately go for. One person might need cover for the whole of their lives and someone else may only need cover for a set term. In this article I intend to point out the main differences between whole life assurance and term insurance and consequently which one might suit your particular circumstances. ]]></description>
</item>
<item>
<title>Mortgage Advice, Do You Need It?</title>
<link>http://EzineArticles.com/999958</link>
<guid>http://EzineArticles.com/999958</guid>
<pubDate>Mon, 25 Feb 2008 15:05:29 -0600</pubDate>
<description><![CDATA[Purchasing property for the first or subsequent time can be a very exciting time in anybody's life. That said there can be a great deal of uncertainty surrounding the whole process. If you are not familiar with the territory you should always consider getting mortgage advice. ]]></description>
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<item>
<title>Is A Discount Mortgage The Right Product?</title>
<link>http://EzineArticles.com/999950</link>
<guid>http://EzineArticles.com/999950</guid>
<pubDate>Mon, 25 Feb 2008 15:04:13 -0600</pubDate>
<description><![CDATA[There are a lot of mortgages on the market and it can be an extremely difficult choice deciding which one is exactly right for you and your financial circumstances. Every single lender has many many different types of mortgage deals designed to suit every type of client so regardless of what type of mortgage client you are most lenders have a product to suit.]]></description>
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<item>
<title>Do I Need Life Insurance And If So How Much?</title>
<link>http://EzineArticles.com/999944</link>
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<pubDate>Mon, 25 Feb 2008 15:02:43 -0600</pubDate>
<description><![CDATA[A question that any person concerned about sound financial planning should always ask themselves, but how do you work out the answer?  In order to establish if someone needs life insurance you first need to ask yourself a very simple question. In the event I die will anyone be financially worse off?]]></description>
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<title>The Ups And Downs To Fixed Rate Mortgages</title>
<link>http://EzineArticles.com/999627</link>
<guid>http://EzineArticles.com/999627</guid>
<pubDate>Mon, 25 Feb 2008 14:43:07 -0600</pubDate>
<description><![CDATA[As a consumer you will find that there are a lot of different types of mortgages available to you, and as such it can be very difficult for you to choose the right one that best suits you. However when you do not quite know what lies round the corner one solution can stand out from the rest and that is a fixed rate mortgage. ]]></description>
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