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<title>Michael Challiner - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Challiner</link>
<pubDate>Wed, 15 Feb 2012 09:01:09 -0600</pubDate>
<image><title>Michael Challiner - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Challiner</link>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[I am extreemly experianced in the finacial markets here in the uk. After many years working for the likes of J Walter Thompson and Saachi and Saachi in coporate marketing I began to focus on finance - primarily insurance. You can find my articles all over the internet and I try to be as uptodate a possible - things however are always changing in finance!]]></description>
<lastBuildDate>Mon, 12 Oct 2009 19:37:58 -0500</lastBuildDate>
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<item>
<title>Dental Care When You Need It</title>
<link>http://EzineArticles.com/3061311</link>
<guid>http://EzineArticles.com/3061311</guid>
<pubDate>Mon, 12 Oct 2009 19:37:58 -0500</pubDate>
<description><![CDATA[It doesn't seem long since there was an outcry about lack of NHS dentist's. Things are still not too settled and it could be you that finds yourself out in the cold when it comes to treatment. Whether or not you're covered for dental care - read on for more details.]]></description>
</item>
<item>
<title>Cheers - Good Health</title>
<link>http://EzineArticles.com/3061299</link>
<guid>http://EzineArticles.com/3061299</guid>
<pubDate>Mon, 12 Oct 2009 19:36:21 -0500</pubDate>
<description><![CDATA[Some babies born today in the UK will have a life expectancy of 100 years, according to recent research. This makes quite a change from the warnings of early death from smoking and being overweight. It's great to have some good news at last.]]></description>
</item>
<item>
<title>Health Insurance in the Work Place</title>
<link>http://EzineArticles.com/3061253</link>
<guid>http://EzineArticles.com/3061253</guid>
<pubDate>Mon, 12 Oct 2009 19:32:26 -0500</pubDate>
<description><![CDATA[Employee health benefits are invaluable. Long term sick pay plans are even better. There's enough to worry about if you become ill without financial headaches too.]]></description>
</item>
<item>
<title>Health Insurance and the Level of Cover Available</title>
<link>http://EzineArticles.com/3061244</link>
<guid>http://EzineArticles.com/3061244</guid>
<pubDate>Mon, 12 Oct 2009 16:47:01 -0500</pubDate>
<description><![CDATA[If you're thinking of private health insurance and have done nothing about it - what's holding you back? Your wellbeing and that of your family is surely what matters. Find the level of cover that suits your needs.]]></description>
</item>
<item>
<title>Inheritance Tax, Intestacy and More</title>
<link>http://EzineArticles.com/3031618</link>
<guid>http://EzineArticles.com/3031618</guid>
<pubDate>Wed, 07 Oct 2009 13:11:16 -0500</pubDate>
<description><![CDATA[If you're thinking of making a will, you might need to brush up on some facts. We'd always say that you should take some professional advice before taking such an important step, but it may help to understand some of the terminology that will crop up.]]></description>
</item>
<item>
<title>Don't Leave a Mess - Leave a Valid Will</title>
<link>http://EzineArticles.com/3031612</link>
<guid>http://EzineArticles.com/3031612</guid>
<pubDate>Wed, 07 Oct 2009 13:08:07 -0500</pubDate>
<description><![CDATA[If you don't leave a will, you'll leave uncertainty and confusion. If you do leave a will, there could still be a battle. High Court cases which involve complaints about wills are rising, so make sure everything is in order, leaving no doubt about your intentions.]]></description>
</item>
<item>
<title>Wills and Pets</title>
<link>http://EzineArticles.com/3031600</link>
<guid>http://EzineArticles.com/3031600</guid>
<pubDate>Wed, 07 Oct 2009 13:06:39 -0500</pubDate>
<description><![CDATA[A will is basically an instruction to whoever you've chosen to administer your estate as to how you'd like your estate to be divided after you've gone. By pets we don't mean you're passing on your pet canary - although you could do! Read on for more.]]></description>
</item>
<item>
<title>First Or Last Will and Testament</title>
<link>http://EzineArticles.com/3031573</link>
<guid>http://EzineArticles.com/3031573</guid>
<pubDate>Wed, 07 Oct 2009 13:04:25 -0500</pubDate>
<description><![CDATA[It's almost never too early to write a will. Only a third of people in the UK get around to writing a will at all. It's a vital part of your planning when it comes to finance, but unfortunately the most overlooked.]]></description>
</item>
<item>
<title>Could Heir Hunters Be Coming Your Way?</title>
<link>http://EzineArticles.com/3031566</link>
<guid>http://EzineArticles.com/3031566</guid>
<pubDate>Wed, 07 Oct 2009 12:56:16 -0500</pubDate>
<description><![CDATA[Have you ever dreamed that you'd inherited a vast amount of money out of the blue? It could come true although maybe it's best not to bank on it. If a distant relative has died without leaving a will, you could just be in for a surprise.]]></description>
</item>
<item>
<title>Mortgage Borrowers May Face Restrictions on Minimum Deposits and Income Multiples</title>
<link>http://EzineArticles.com/3009972</link>
<guid>http://EzineArticles.com/3009972</guid>
<pubDate>Thu, 01 Oct 2009 11:42:57 -0500</pubDate>
<description><![CDATA[The Financial Services Authority my get formally involved in regulating the levels of deposits and income multiples that prospective home buyers require. This article looks at the situation.]]></description>
</item>
<item>
<title>Help, I'm in Mortgage Arrears!</title>
<link>http://EzineArticles.com/3010235</link>
<guid>http://EzineArticles.com/3010235</guid>
<pubDate>Wed, 30 Sep 2009 22:13:22 -0500</pubDate>
<description><![CDATA[This article looks at how lenders go about repossessing homes - and what help is available. Essential reading if you're in mortgage arrears.]]></description>
</item>
<item>
<title>Income on Retirement - Smokers Take Note</title>
<link>http://EzineArticles.com/2993239</link>
<guid>http://EzineArticles.com/2993239</guid>
<pubDate>Tue, 29 Sep 2009 12:08:54 -0500</pubDate>
<description><![CDATA[There's one group of people that are being offered better pensions than the rest of us. Smokers have a reduced life expectancy. That's why the insurers can afford to do it.]]></description>
</item>
<item>
<title>Families Are Being Hit Hard by the Recession</title>
<link>http://EzineArticles.com/2993264</link>
<guid>http://EzineArticles.com/2993264</guid>
<pubDate>Tue, 29 Sep 2009 11:52:51 -0500</pubDate>
<description><![CDATA[The recession has hit and it is families that are being hit the hardest. This article looks at the measures parents are having to take. It also covers the amount it will cost to raise a child.]]></description>
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<item>
<title>Great Britain is Officially in Recession So How Can You Protect Your Savings, Pension and Home?</title>
<link>http://EzineArticles.com/2993220</link>
<guid>http://EzineArticles.com/2993220</guid>
<pubDate>Tue, 29 Sep 2009 11:45:13 -0500</pubDate>
<description><![CDATA[Times are very hard and remaining employed is a worry with huge job cuts happening all over the country.  There are some safeguards that you can put in place which may help out in the worst case scenario explained below.]]></description>
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<item>
<title>Retirement - Can You Afford It?</title>
<link>http://EzineArticles.com/2993210</link>
<guid>http://EzineArticles.com/2993210</guid>
<pubDate>Tue, 29 Sep 2009 11:40:14 -0500</pubDate>
<description><![CDATA[Retirement is something most people look forward to. An end to the rat race, giving you time to enjoy yourself. Could the cost of living in retirement cast a shadow over your dreams?]]></description>
</item>
<item>
<title>Redundancy Cover Explained</title>
<link>http://EzineArticles.com/2977201</link>
<guid>http://EzineArticles.com/2977201</guid>
<pubDate>Sat, 26 Sep 2009 10:49:03 -0500</pubDate>
<description><![CDATA[More and more people are being made redundant. This article looks at insurance products available on the market to cover for this. Do not leave it too late though, as you may find yourself not covered if you do find yourself unemployed.]]></description>
</item>
<item>
<title>Could PPI Mis-Selling Be Banned?</title>
<link>http://EzineArticles.com/2977270</link>
<guid>http://EzineArticles.com/2977270</guid>
<pubDate>Sat, 26 Sep 2009 09:31:22 -0500</pubDate>
<description><![CDATA[Payment Protection Insurance (PPI) has been around in the market place for many years. It seems that mis-selling of PPI policies has been around for just as long, and now, the Competition Commission is looking to introduce measures to control this market.]]></description>
</item>
<item>
<title>Major Bank Offers an Alternative to Payment Protection Insurance on Their Credit Cards</title>
<link>http://EzineArticles.com/2977253</link>
<guid>http://EzineArticles.com/2977253</guid>
<pubDate>Sat, 26 Sep 2009 09:28:58 -0500</pubDate>
<description><![CDATA[Britain's biggest credit card company is behind a new idea to give the holders of its credit card the option to stop making repayments if their income is drastically cut. In practice, it's a form of payment protection insurance (PPI) which lenders have been barred from selling alongside forms of credit but the bank claims that its debt suspension option is not an insurance policy.]]></description>
</item>
<item>
<title>Insurance Companies Advertise Loans For Surgery</title>
<link>http://EzineArticles.com/2964033</link>
<guid>http://EzineArticles.com/2964033</guid>
<pubDate>Fri, 25 Sep 2009 13:15:57 -0500</pubDate>
<description><![CDATA[Insurance companies have been heavily criticised for advertising loans on their websites for patients wanting cosmetic surgery. This article looks at the tactics the insurers are using to entice people to have surgery.]]></description>
</item>
<item>
<title>Breathing Space Offered by Lenders</title>
<link>http://EzineArticles.com/2964024</link>
<guid>http://EzineArticles.com/2964024</guid>
<pubDate>Fri, 25 Sep 2009 13:15:12 -0500</pubDate>
<description><![CDATA[This article looks at a new offer from lenders. For a monthly fee (a percentage of your balance) they will let you suspend your repayments if your income decreases by more than a quarter. It could be the answer to the much needed breathing space many people currently need.]]></description>
</item>
<item>
<title>Merchants Profiteer by Charging More For Credit Card Transactions</title>
<link>http://EzineArticles.com/2963995</link>
<guid>http://EzineArticles.com/2963995</guid>
<pubDate>Fri, 25 Sep 2009 13:14:56 -0500</pubDate>
<description><![CDATA[Ever been surprised by a retailer charging you a "transaction processing fee"? Well, these fees are becoming far more common and some people are objecting. This article investigates]]></description>
</item>
<item>
<title>Student Loan Repayments at Zero (Or Even Minus) Per Cent</title>
<link>http://EzineArticles.com/2957768</link>
<guid>http://EzineArticles.com/2957768</guid>
<pubDate>Fri, 25 Sep 2009 09:40:39 -0500</pubDate>
<description><![CDATA[Falls in the retail price index makes good news for millions. Students and graduates will be celebrating as a result of their loan interest rates zooming down to zero or lower. This makes a welcome change from what we've become accustomed to.]]></description>
</item>
<item>
<title>Debt and Your Retirement</title>
<link>http://EzineArticles.com/2941878</link>
<guid>http://EzineArticles.com/2941878</guid>
<pubDate>Sat, 19 Sep 2009 12:40:32 -0500</pubDate>
<description><![CDATA[Traditionally there are two means of measuring the cost of living in the UK. These are the Consumer Prices Index and the Retail Prices Index. Both are used to estimate just how much the cost of living is rising over set periods and they're employed in various ways to set the amount of increase of pensions.]]></description>
</item>
<item>
<title>Travel Insurance is More Important Now Than Ever</title>
<link>http://EzineArticles.com/2931909</link>
<guid>http://EzineArticles.com/2931909</guid>
<pubDate>Sat, 19 Sep 2009 11:03:15 -0500</pubDate>
<description><![CDATA[With job losses increasing, some holiday companies are offering cover if you have booked a holiday then lose your job. This is just the peace of mind millions of us need. We can book that well earned holiday knowing that if we lose our jobs we are covered.]]></description>
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<item>
<title>What to Look For in Travel Insurance</title>
<link>http://EzineArticles.com/2928398</link>
<guid>http://EzineArticles.com/2928398</guid>
<pubDate>Sat, 19 Sep 2009 09:24:04 -0500</pubDate>
<description><![CDATA[This article looks at travel insurance. You may be a frequent traveller or just travel once a year, either way, you will need travel insurance. Below are some useful tips.]]></description>
</item>
<item>
<title>Managing Your Debts</title>
<link>http://EzineArticles.com/2902723</link>
<guid>http://EzineArticles.com/2902723</guid>
<pubDate>Tue, 15 Sep 2009 01:49:10 -0500</pubDate>
<description><![CDATA[Are your debt problems getting you down? It's no use ignoring them - they're not going to melt away. Debt management advice can help you to see more clearly and make some balanced decisions.]]></description>
</item>
<item>
<title>Want to Go to College? Do Not Be Deterred by Debt</title>
<link>http://EzineArticles.com/2902596</link>
<guid>http://EzineArticles.com/2902596</guid>
<pubDate>Tue, 15 Sep 2009 01:37:55 -0500</pubDate>
<description><![CDATA[Top-up fees have rightly drummed home the truth that all higher education costs money - it's not free. This article looks at the pros and cons.]]></description>
</item>
<item>
<title>Open Your Mouth Wide Please</title>
<link>http://EzineArticles.com/2895766</link>
<guid>http://EzineArticles.com/2895766</guid>
<pubDate>Mon, 14 Sep 2009 19:15:55 -0500</pubDate>
<description><![CDATA[At one time it seemed as though almost everyone had an NHS dentist, with an appointment available for the cost of a phone call. How things change - find out the options for dental care nowadays.]]></description>
</item>
<item>
<title>British Dentistry and the UK's Teeth</title>
<link>http://EzineArticles.com/2895721</link>
<guid>http://EzineArticles.com/2895721</guid>
<pubDate>Mon, 14 Sep 2009 19:14:40 -0500</pubDate>
<description><![CDATA[What is the cost of private dental treatment and how can you control the cost. This article investigates.]]></description>
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<item>
<title>Sell and Rent Back Arrangements</title>
<link>http://EzineArticles.com/2902697</link>
<guid>http://EzineArticles.com/2902697</guid>
<pubDate>Sun, 13 Sep 2009 10:33:44 -0500</pubDate>
<description><![CDATA[Under a "sell and rent back" deal, a homeowner who is struggling to repay their mortgage sells their property at a discount to company who then allows them to remain in the house as a tenant. But a report from the Office of Fair Trading has found that these arrangements may not be the homeowner's best option and some people had been swiftly evicted. As a result the Office of Fair Trading has ordered sixteen firms to validate all the claims they have made in their advertising. If the Office of Fair Trading finds "unfair and misleading" practices, it expects to take action which could include prosecutions. ]]></description>
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<item>
<title>Bankruptcy - An Overview</title>
<link>http://EzineArticles.com/2902650</link>
<guid>http://EzineArticles.com/2902650</guid>
<pubDate>Sun, 13 Sep 2009 10:33:39 -0500</pubDate>
<description><![CDATA[If you have serious debt problems you may be considering bankruptcy. It is important to understand what bankruptcy is and whether it is the right option for you. ]]></description>
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<item>
<title>Mortgage Debt Information</title>
<link>http://EzineArticles.com/2902643</link>
<guid>http://EzineArticles.com/2902643</guid>
<pubDate>Sun, 13 Sep 2009 10:33:31 -0500</pubDate>
<description><![CDATA[Increasingly, lenders and charities are seeing home owners handing over the keys of their homes to building societies and banks. People are getting deeper into debt and the main debt is normally their mortgage, which causes deep anxiety and stress. It seems that they are the end of their tether and feel that they can't stand the thought of actually meeting the issues to be faced by letting it get to the stage of court proceedings. ]]></description>
</item>
<item>
<title>Car Insurance - How Big a Risk is a Woman?</title>
<link>http://EzineArticles.com/2874181</link>
<guid>http://EzineArticles.com/2874181</guid>
<pubDate>Tue, 08 Sep 2009 22:25:04 -0500</pubDate>
<description><![CDATA[Interesting comparisons are made between the risks ascribed to male and female drivers for car insurance purposes. Although young males pose a far greater risk than females at that age, the differential closes to equality at the age of 40 and tends to tilt the other way for people in their 60s.]]></description>
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<item>
<title>Millions Face Mortgage Misery As Endowment Policies Fall Short</title>
<link>http://EzineArticles.com/2864379</link>
<guid>http://EzineArticles.com/2864379</guid>
<pubDate>Fri, 04 Sep 2009 14:53:28 -0500</pubDate>
<description><![CDATA[Is your mortgage backed by an endowment policy? Then you should read this article although you're unlikely to be happy at what you learn.]]></description>
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<item>
<title>Steps to Cut Credit Card Fraud</title>
<link>http://EzineArticles.com/2862127</link>
<guid>http://EzineArticles.com/2862127</guid>
<pubDate>Wed, 02 Sep 2009 17:58:12 -0500</pubDate>
<description><![CDATA[Credit card operators are introducing new systems to winkle out fraud. But these new systems will mean you should expect to have some of your transactions queried or even refused. This article asks why, and what can be done about it.]]></description>
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<item>
<title>Life Insurance - How Much Cover Do You Need?</title>
<link>http://EzineArticles.com/2852654</link>
<guid>http://EzineArticles.com/2852654</guid>
<pubDate>Wed, 02 Sep 2009 14:14:48 -0500</pubDate>
<description><![CDATA[If you're planning to take out some life insurance cover, you really need to consider what the amount should be. Think about exactly how much your dependents would require to keep up a comfortable life style.]]></description>
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<item>
<title>What - No Life Insurance Cover?</title>
<link>http://EzineArticles.com/2852626</link>
<guid>http://EzineArticles.com/2852626</guid>
<pubDate>Wed, 02 Sep 2009 14:11:56 -0500</pubDate>
<description><![CDATA[Can you believe it? Millions of people have no life cover in place. This could cause unbelievable hardship and the results don't bear thinking about.]]></description>
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<item>
<title>Life Insurance Means Re-Assurance</title>
<link>http://EzineArticles.com/2852571</link>
<guid>http://EzineArticles.com/2852571</guid>
<pubDate>Wed, 02 Sep 2009 13:44:33 -0500</pubDate>
<description><![CDATA[Have you got some life insurance in place? Possibly more importantly, have you cover for if you're ill and unable to work? Read on for more reasons to think about it.]]></description>
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<item>
<title>Got Everything Covered - Including Life Insurance?</title>
<link>http://EzineArticles.com/2852678</link>
<guid>http://EzineArticles.com/2852678</guid>
<pubDate>Wed, 02 Sep 2009 13:35:31 -0500</pubDate>
<description><![CDATA[If you're thinking of applying for some life insurance cover, don't fail to check out the small print. It's important to find out exactly what's covered - and what isn't. Take care not to miss anything.]]></description>
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<item>
<title>Take Care - Take Life Insurance Cover</title>
<link>http://EzineArticles.com/2842928</link>
<guid>http://EzineArticles.com/2842928</guid>
<pubDate>Tue, 01 Sep 2009 21:28:31 -0500</pubDate>
<description><![CDATA[The incidence of skin cancer is increasing. This is a worrying fact and recent findings show that a third of people will be diagnosed with some form of cancer. Learn more.]]></description>
</item>
<item>
<title>Do Polypills Mean Perkier Parrots?</title>
<link>http://EzineArticles.com/2829546</link>
<guid>http://EzineArticles.com/2829546</guid>
<pubDate>Mon, 31 Aug 2009 15:25:24 -0500</pubDate>
<description><![CDATA[There's lots of enthusiasm for a new "Polypill" - a five in one combination pill to prevent heart problems. If these pills become widely prescribed, how long might it be before life insurance companies favour the pill-poppers?]]></description>
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<item>
<title>Calculating Your Life Insurance Cover</title>
<link>http://EzineArticles.com/2829503</link>
<guid>http://EzineArticles.com/2829503</guid>
<pubDate>Mon, 31 Aug 2009 15:04:17 -0500</pubDate>
<description><![CDATA[Many people find it difficult to assess just how much life insurance cover they need, but basically it's quite simple to work out. To ensure settlement of debts, you'll just need to calculate everything you owe.]]></description>
</item>
<item>
<title>Understanding Life Insurance Policies</title>
<link>http://EzineArticles.com/2829626</link>
<guid>http://EzineArticles.com/2829626</guid>
<pubDate>Fri, 28 Aug 2009 15:03:44 -0500</pubDate>
<description><![CDATA[Do you really understand the various terms on life insurance? What happens if you're not covered? Find out all about it.]]></description>
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<item>
<title>Critical Illness Cover - Your Choice</title>
<link>http://EzineArticles.com/2829610</link>
<guid>http://EzineArticles.com/2829610</guid>
<pubDate>Fri, 28 Aug 2009 15:03:37 -0500</pubDate>
<description><![CDATA[Critical illness insurance costs are rising and in addition life-threatening conditions are being re-assessed. Maybe it's time to make your own assessments as far as your insurance is concerned.]]></description>
</item>
<item>
<title>Would You Believe It?</title>
<link>http://EzineArticles.com/2829572</link>
<guid>http://EzineArticles.com/2829572</guid>
<pubDate>Fri, 28 Aug 2009 15:03:15 -0500</pubDate>
<description><![CDATA[As your parents told you, always tell the truth. One place where this advice holds particularly good is on insurance application forms. It's not worth it.]]></description>
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<item>
<title>Car Insurance Costs Are on the Up</title>
<link>http://EzineArticles.com/2761331</link>
<guid>http://EzineArticles.com/2761331</guid>
<pubDate>Tue, 18 Aug 2009 14:06:14 -0500</pubDate>
<description><![CDATA[As if the British public have not suffered enough in the credit crunch, we now learn that car insurance premiums are expected to soar by a record 20 per cent this year. The rising tide of of personal injury claims coupled with the increasing cost of fraud are fueling increases for the Britain's 33 million motorists.]]></description>
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<item>
<title>Grannies on the Go - Travel Insurance For Oldies</title>
<link>http://EzineArticles.com/2761423</link>
<guid>http://EzineArticles.com/2761423</guid>
<pubDate>Mon, 17 Aug 2009 17:40:18 -0500</pubDate>
<description><![CDATA[Many of the older generation are envious of today's young people's gap years spent traveling the globe and seeing different countries and cultures. Many have to wait until they are senior citizens before they have an opportunity to travel, and even if they don't want to back-pack around India, they often find that getting insurance is a real problem.]]></description>
</item>
<item>
<title>On the Spot Fines For Motorists Responsible For Minor Accidents</title>
<link>http://EzineArticles.com/2761482</link>
<guid>http://EzineArticles.com/2761482</guid>
<pubDate>Sat, 15 Aug 2009 11:20:22 -0500</pubDate>
<description><![CDATA[On the spot fines for minor motoring offences are on there way. This article looks at the situation and reports what the police are saying.]]></description>
</item>
<item>
<title>Drivers Who Modify Their Cars Must Inform Their Insurer Or Risk Losing Cover</title>
<link>http://EzineArticles.com/2761521</link>
<guid>http://EzineArticles.com/2761521</guid>
<pubDate>Fri, 14 Aug 2009 15:03:27 -0500</pubDate>
<description><![CDATA[Some drivers are getting into trouble with their insurers because they did not inform them that their car was modified. Sometimes the driver did not even realise that the car was modified! This article sheds some light on the situation.]]></description>
</item>
<item>
<title>Solving Travel Insurance Problems</title>
<link>http://EzineArticles.com/2656765</link>
<guid>http://EzineArticles.com/2656765</guid>
<pubDate>Mon, 27 Jul 2009 11:12:31 -0500</pubDate>
<description><![CDATA[Many of us travel abroad each year. However, are you fully covered in the event of an accident or if you are taken ill? The answers to these frequently asked questions should help.]]></description>
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<item>
<title>The Basics About Medical Insurance</title>
<link>http://EzineArticles.com/2656455</link>
<guid>http://EzineArticles.com/2656455</guid>
<pubDate>Mon, 27 Jul 2009 10:13:08 -0500</pubDate>
<description><![CDATA[Firstly what is private medical insurance? Private medical insurance (known as PMI) enables you to bypass National Health Service (NHS) waiting lists and get fast-tracked consultations and private treatment. But the insurance only cover short-term, curable medical problems. You are then treated privately in a private or NHS hospital depending on the treatment you need, the consultant you are using or the terms of your policy. ]]></description>
</item>
<item>
<title>Pet Insurance Will Work With the Right Policy</title>
<link>http://EzineArticles.com/2656441</link>
<guid>http://EzineArticles.com/2656441</guid>
<pubDate>Mon, 27 Jul 2009 10:13:00 -0500</pubDate>
<description><![CDATA[Pet Insurance - The cost of getting your pet back to health after an illness or an accident can be astronomical as vets' fees rise. Having a pet insurance policy in place will reassure you that should anything untoward happen to your pet you will be covered. But make sure it is the right policy and that it will provide adequate cover when required. ]]></description>
</item>
<item>
<title>Make Money From Using Your Home</title>
<link>http://EzineArticles.com/2656416</link>
<guid>http://EzineArticles.com/2656416</guid>
<pubDate>Mon, 27 Jul 2009 10:11:43 -0500</pubDate>
<description><![CDATA[This article looks into the increasing popular way to make money from your home. People are making large amounts of money from hiring out their homes to use in films, adverts and TV.]]></description>
</item>
<item>
<title>Now Even Man's Best Friend is Feeling the Pinch</title>
<link>http://EzineArticles.com/2656748</link>
<guid>http://EzineArticles.com/2656748</guid>
<pubDate>Sat, 25 Jul 2009 21:32:39 -0500</pubDate>
<description><![CDATA[For the first time, Battersea Dogs Home reported recently that they had almost reached full capacity with many more dogs and other animals being brought into the home. Another charity - The Dogs Trust - in an article for The Times newspaper reported a similar story. ]]></description>
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<item>
<title>Husband's Secret Forces Widow to Sell Her Home</title>
<link>http://EzineArticles.com/2645626</link>
<guid>http://EzineArticles.com/2645626</guid>
<pubDate>Thu, 23 Jul 2009 13:16:44 -0500</pubDate>
<description><![CDATA[This article talks about the heartbreak faced by one lady after her husband died. Not only did she have to cope with her loss but also deal with shock that her husband had left her with masses of debts.]]></description>
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<item>
<title>Credit Card Debt  - Take Care</title>
<link>http://EzineArticles.com/2645505</link>
<guid>http://EzineArticles.com/2645505</guid>
<pubDate>Thu, 23 Jul 2009 13:07:54 -0500</pubDate>
<description><![CDATA[Is your home safe? Even if you're up to date with your mortgage repayments, falling behind with other debts could lead to problems. Check this out.]]></description>
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<item>
<title>Private Education - A Constant Battle to Fund Fees</title>
<link>http://EzineArticles.com/2645558</link>
<guid>http://EzineArticles.com/2645558</guid>
<pubDate>Thu, 23 Jul 2009 12:42:27 -0500</pubDate>
<description><![CDATA[How parents are dealing with the continuing rise in school fees year after year. Statistics are used to illustrate the current level of fees, as well as the types of family that are sending their children to private school. The fixing of fees by leading UK public schools is also discussed.]]></description>
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<item>
<title>It Doesn't Pay to Switch Your Home Loan These Days</title>
<link>http://EzineArticles.com/2645528</link>
<guid>http://EzineArticles.com/2645528</guid>
<pubDate>Wed, 22 Jul 2009 10:05:19 -0500</pubDate>
<description><![CDATA[Borrowers are switching mortgage deals less than before. With standard variable rates so low there's no incentive to change. You pay to switch.]]></description>
</item>
<item>
<title>Sleep Tight My Lovely Furry Friend</title>
<link>http://EzineArticles.com/2623261</link>
<guid>http://EzineArticles.com/2623261</guid>
<pubDate>Mon, 20 Jul 2009 10:17:32 -0500</pubDate>
<description><![CDATA[Vet fees are going up, cash is getting tighter - so more owners are forced to put their pets to sleep. This article explains the disturbing facts and tells you what to look out for in a good policy.]]></description>
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<item>
<title>Would &quot;Pay As You Drive&quot; Car Insurance Work For You?</title>
<link>http://EzineArticles.com/2623270</link>
<guid>http://EzineArticles.com/2623270</guid>
<pubDate>Mon, 20 Jul 2009 10:12:11 -0500</pubDate>
<description><![CDATA[If you have a low annual mileage, "pay as you drive" car insurance may be for you. This article explains how it works so that you can judge for yourself.]]></description>
</item>
<item>
<title>Rising Veterinary Costs Mean Pet Insurance Could Be a Smart Move</title>
<link>http://EzineArticles.com/2623287</link>
<guid>http://EzineArticles.com/2623287</guid>
<pubDate>Mon, 20 Jul 2009 10:12:06 -0500</pubDate>
<description><![CDATA[The cost of veterinary care is shooting through the roof so more and more people are getting pet insurance. What cover can it provide and is it worth it? This article investigates.]]></description>
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<item>
<title>The Facts About Payment Protection Insurance</title>
<link>http://EzineArticles.com/2623353</link>
<guid>http://EzineArticles.com/2623353</guid>
<pubDate>Mon, 20 Jul 2009 10:08:56 -0500</pubDate>
<description><![CDATA[You may not have heard of the term PPI or payment protection insurance, but there is a high probability you will have been asked if you want it. There are 20 million PPI policies existing in the UK. They are meant to cover you when you take out a form of credit, in case you are ill or unemployed and cannot meet re payments. However, the PPI market has been full of difficulties. ]]></description>
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<item>
<title>Make Money From Your Spare Room</title>
<link>http://EzineArticles.com/2623211</link>
<guid>http://EzineArticles.com/2623211</guid>
<pubDate>Mon, 20 Jul 2009 10:07:11 -0500</pubDate>
<description><![CDATA[This article looks at the growing trend to rent out a spare room. As homeowners struggle in these hard times people are turning their spare rooms into cash. Read on to find out what you could be making from that empty room in your house!]]></description>
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<item>
<title>Your Home is Your Castle - But it Might Be Rented</title>
<link>http://EzineArticles.com/2612408</link>
<guid>http://EzineArticles.com/2612408</guid>
<pubDate>Thu, 16 Jul 2009 14:32:07 -0500</pubDate>
<description><![CDATA[Not everyone can afford to buy their home, and not everyone wants to. Renting is an option which is more popular now than at any time since Mrs Thatcher encouraged Britain to become a nation of property owners. There are things to be careful of before you sign on any dotted lines.]]></description>
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<item>
<title>Card Fraud is on the Increase</title>
<link>http://EzineArticles.com/2612276</link>
<guid>http://EzineArticles.com/2612276</guid>
<pubDate>Thu, 16 Jul 2009 10:58:27 -0500</pubDate>
<description><![CDATA[This article looks at the increase in card fraud. The banks are fighting back though by introducing high tech equipment that will screen every transaction.]]></description>
</item>
<item>
<title>Pensioners Are Feeling the Pinch As Interest Rates Fall to a Record Low</title>
<link>http://EzineArticles.com/2612434</link>
<guid>http://EzineArticles.com/2612434</guid>
<pubDate>Thu, 16 Jul 2009 07:30:00 -0500</pubDate>
<description><![CDATA[Interest rates have been cut across the board and it is difficult to get any return on savings. Below we explain the full extent of the situation as it hits an all-time low.]]></description>
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<item>
<title>Credit Card Companies Finally Have to Be Fair</title>
<link>http://EzineArticles.com/2612423</link>
<guid>http://EzineArticles.com/2612423</guid>
<pubDate>Thu, 16 Jul 2009 07:29:44 -0500</pubDate>
<description><![CDATA[Credit card companies now have to be fairer to customers. If they do not make commitments to treat customers fairer then they will be investigated. This article looks into what all this means.]]></description>
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<item>
<title>High Interest Causes Store Card Debts</title>
<link>http://EzineArticles.com/2601796</link>
<guid>http://EzineArticles.com/2601796</guid>
<pubDate>Wed, 15 Jul 2009 09:34:07 -0500</pubDate>
<description><![CDATA[Millions of us use store cards but are they aware of the horrendous levels of interest they charge? This article explains how the cards work and provides some valuable advice.]]></description>
</item>
<item>
<title>Renting is Not As Buoyant As it Used to Be</title>
<link>http://EzineArticles.com/2601777</link>
<guid>http://EzineArticles.com/2601777</guid>
<pubDate>Wed, 15 Jul 2009 09:29:43 -0500</pubDate>
<description><![CDATA[People who bought properties to let are finding the market very difficult with the glut of rental properties now available. Below we explain why letting agencies have so many houses on their books and how landlords can secure a let.]]></description>
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<item>
<title>Household Wealth Drops - Will it Ever Recover?</title>
<link>http://EzineArticles.com/2601669</link>
<guid>http://EzineArticles.com/2601669</guid>
<pubDate>Tue, 14 Jul 2009 18:45:31 -0500</pubDate>
<description><![CDATA[Household wealth has plunged during the last two years. This article looks at what has happened and ahead at what will happen when the property prices do eventually recover.]]></description>
</item>
<item>
<title>The Property Market Sleeps - Can We Wake it Up?</title>
<link>http://EzineArticles.com/2601740</link>
<guid>http://EzineArticles.com/2601740</guid>
<pubDate>Tue, 14 Jul 2009 17:41:58 -0500</pubDate>
<description><![CDATA[The property market is very sleepy at the moment and estate agents, vendors and home designers are thinking of innovative ways to improve sales.  Below we explain what is happening to wake the market up...]]></description>
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<item>
<title>Repossessions Continue to Rise As Recession Carries On</title>
<link>http://EzineArticles.com/2601715</link>
<guid>http://EzineArticles.com/2601715</guid>
<pubDate>Tue, 14 Jul 2009 17:40:44 -0500</pubDate>
<description><![CDATA[In these credit crunch times, it is a sad fact that more and more homes are being repossessed - and the trend is for the numbers to keep rising further. Statistics from City watchdog the Financial Services Authority reveal some staggering figures regarding home repossessions: Repossessions climbed by almost 100 per cent last year, with 13,161 families being evicted between June and September alone - meaning that 1 family was being evicted every 10 minutes, after failing to keep up with mortgage payments on their homes.]]></description>
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<item>
<title>Banks Are Under Pressure to Cease Selling PPI</title>
<link>http://EzineArticles.com/2549947</link>
<guid>http://EzineArticles.com/2549947</guid>
<pubDate>Sun, 05 Jul 2009 14:32:50 -0500</pubDate>
<description><![CDATA[Payment protection insurance is sold to cover the repayments on credit cards and unsecured loans in the event of unemployment. Beware of one of these policies, you need to understand the cost and what the policy covers.]]></description>
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<item>
<title>Payment Protection Insurance Has an Over-Haul</title>
<link>http://EzineArticles.com/2550056</link>
<guid>http://EzineArticles.com/2550056</guid>
<pubDate>Thu, 02 Jul 2009 16:44:56 -0500</pubDate>
<description><![CDATA[An article looking into The Competition Commissions proposals regarding sales of Payment Protection Insurance. It seems changes are in view.]]></description>
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<item>
<title>Credit Insurers to Be Hit by a Massive Rise in Premiums</title>
<link>http://EzineArticles.com/2550040</link>
<guid>http://EzineArticles.com/2550040</guid>
<pubDate>Thu, 02 Jul 2009 16:42:58 -0500</pubDate>
<description><![CDATA[A review of the reinsurance market as the world slides into recession. The withdrawal of insurance for many high street names by reinsurers.]]></description>
</item>
<item>
<title>Wheelie Good Bike Insurance</title>
<link>http://EzineArticles.com/2550032</link>
<guid>http://EzineArticles.com/2550032</guid>
<pubDate>Thu, 02 Jul 2009 16:40:29 -0500</pubDate>
<description><![CDATA[Have you really, really read the small print on your insurance documents? Read about some-one who didn't!]]></description>
</item>
<item>
<title>Job Description and Car Insurance</title>
<link>http://EzineArticles.com/2550019</link>
<guid>http://EzineArticles.com/2550019</guid>
<pubDate>Thu, 02 Jul 2009 16:35:29 -0500</pubDate>
<description><![CDATA[Squirting soda up a Scotsman's kilt almost cost me my car insurance. Read this article to find out why!]]></description>
</item>
<item>
<title>Insuring Possessions at Uni -  Advice to Parents and Students</title>
<link>http://EzineArticles.com/2515319</link>
<guid>http://EzineArticles.com/2515319</guid>
<pubDate>Tue, 23 Jun 2009 16:22:31 -0500</pubDate>
<description><![CDATA[A comprehensive overview guides you through the factors to be considered when insuring the possessions of students attending college or university. Practical advice is given from such mundane things as ensuring doors and windows are locked, to the best way of sourcing the right insurance cover for students in particular circumstances.]]></description>
</item>
<item>
<title>Tell the Truth When it Comes to Insurance</title>
<link>http://EzineArticles.com/2515023</link>
<guid>http://EzineArticles.com/2515023</guid>
<pubDate>Tue, 23 Jun 2009 16:12:19 -0500</pubDate>
<description><![CDATA[As the credit crunch deepens, insurers are stepping up their scrutiny of insurance applications and claims. There has been a widespread increase across the industry of people falsifying information in order to save themselves money.]]></description>
</item>
<item>
<title>Protect Yourself From Identity Fraud</title>
<link>http://EzineArticles.com/2515003</link>
<guid>http://EzineArticles.com/2515003</guid>
<pubDate>Tue, 23 Jun 2009 16:09:18 -0500</pubDate>
<description><![CDATA[With identity fraud increasing in the UK, people need to be aware of what action to take if they become a victim. Time is of the essence, and prevention and protection against future scams is well worth the effort.]]></description>
</item>
<item>
<title>Credit Crunch - Shopping For Bargains</title>
<link>http://EzineArticles.com/2515055</link>
<guid>http://EzineArticles.com/2515055</guid>
<pubDate>Tue, 23 Jun 2009 15:57:55 -0500</pubDate>
<description><![CDATA[The continuing credit crunch is changing the way we shop. The high street is full of discounted offers, especially in the holiday sector. Consumers are becoming increasingly resourceful in the way they shop, switching to products that are on offer or opting for budget stores.]]></description>
</item>
<item>
<title>Differing Interest Rates</title>
<link>http://EzineArticles.com/2498503</link>
<guid>http://EzineArticles.com/2498503</guid>
<pubDate>Fri, 19 Jun 2009 15:38:35 -0500</pubDate>
<description><![CDATA[This article takes a look at why, if you apply for a loan, you might receive a different interest rate to that advertised. There are a number of reasons, so read on to find out what they may be.]]></description>
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<item>
<title>Repossessions Jump by More Than Half</title>
<link>http://EzineArticles.com/2498447</link>
<guid>http://EzineArticles.com/2498447</guid>
<pubDate>Fri, 19 Jun 2009 15:38:10 -0500</pubDate>
<description><![CDATA[As the recession takes a firm hold, the number of repossessions is steadily increasing. This article looks at the facts and figures behind many heartrending human stories. The action being taken by the Government is reviewed and the opinions of housing charities are aired.]]></description>
</item>
<item>
<title>Home Rental Market Flooded?</title>
<link>http://EzineArticles.com/2498422</link>
<guid>http://EzineArticles.com/2498422</guid>
<pubDate>Fri, 19 Jun 2009 15:34:56 -0500</pubDate>
<description><![CDATA[The buy-to-let market has experienced problems, but there could be signs that the market could be bottoming out. What can the buy-to-let investor do now? This article investigates.]]></description>
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<item>
<title>Car Owners Are Now Hit With Negative Equity</title>
<link>http://EzineArticles.com/2498471</link>
<guid>http://EzineArticles.com/2498471</guid>
<pubDate>Fri, 19 Jun 2009 15:27:07 -0500</pubDate>
<description><![CDATA[Not only are homeowners faced with negative equity, research has found that car owners are now facing it too. Due to the prices being cut some owners who have finance deals will find that they are paying back more than the car is worth.]]></description>
</item>
<item>
<title>Ahoy There - Anyone For a House Boat?</title>
<link>http://EzineArticles.com/2498363</link>
<guid>http://EzineArticles.com/2498363</guid>
<pubDate>Fri, 19 Jun 2009 14:29:58 -0500</pubDate>
<description><![CDATA[If you are looking for something different, consider a house boat! This article provides some basic information regarding both costs and how you can raise a mortgage.]]></description>
</item>
<item>
<title>Six Ways to Increase the Amount You Can Borrow on a Mortgage</title>
<link>http://EzineArticles.com/2483953</link>
<guid>http://EzineArticles.com/2483953</guid>
<pubDate>Wed, 17 Jun 2009 16:46:06 -0500</pubDate>
<description><![CDATA[The Financial Services Authority (FSA) is already pressurizing lenders to implement these much tougher lending limits and it is preparing a report, which will be due out later this year, on the subject. In response to the credit crunch and falling property prices, all UK lenders have already withdrawn 100 per cent mortgages, but the lending rules finally issued by the FSA are expected to ban anything over 90 per cent, except in anything but the most exceptional circumstances. ]]></description>
</item>
<item>
<title>The Recession is Making Repossessions Soar</title>
<link>http://EzineArticles.com/2483851</link>
<guid>http://EzineArticles.com/2483851</guid>
<pubDate>Wed, 17 Jun 2009 16:29:52 -0500</pubDate>
<description><![CDATA[As home repossessions rise in the recession, this article look at the situation and comments on what is being done to help those in mortgage arrears. Not happy reading but if you know someone in financial trouble, read on.]]></description>
</item>
<item>
<title>Winners and Losers After Base Rate Cuts</title>
<link>http://EzineArticles.com/2483906</link>
<guid>http://EzineArticles.com/2483906</guid>
<pubDate>Wed, 17 Jun 2009 16:24:06 -0500</pubDate>
<description><![CDATA[This article looks at the winners and losers of the Bank of England's base rate cuts. Those with tracker mortgages are saving considerable amounts of money.]]></description>
</item>
<item>
<title>The Jobless Will Struggle to Remortgage</title>
<link>http://EzineArticles.com/2483889</link>
<guid>http://EzineArticles.com/2483889</guid>
<pubDate>Wed, 17 Jun 2009 16:22:30 -0500</pubDate>
<description><![CDATA[If you are unemployed, what happens when the special deal period on your existing mortgage comes to an end? This article looks at the situation and gives some advice.]]></description>
</item>
<item>
<title>Are Charges For Mortgage Arrears Unfair?</title>
<link>http://EzineArticles.com/2483833</link>
<guid>http://EzineArticles.com/2483833</guid>
<pubDate>Wed, 17 Jun 2009 16:21:45 -0500</pubDate>
<description><![CDATA[Debt advisers have criticised the administration charges made by mortgage lenders when homeowners fall behind with their monthly payments. This article explains.]]></description>
</item>
<item>
<title>Some Mortgage Hints and Tips</title>
<link>http://EzineArticles.com/2462857</link>
<guid>http://EzineArticles.com/2462857</guid>
<pubDate>Fri, 12 Jun 2009 12:35:23 -0500</pubDate>
<description><![CDATA[As recently as 2 years ago, it seemed mortgage deals literally "grew on trees". Lenders were falling over themselves to give the best deals with the lowest deposits. Now, as the credit crunch bites, things have changed. A little research, and our guide, could help you to find the best answers to your mortgage questions.]]></description>
</item>
<item>
<title>Avoid the Pitfalls When Buying a House</title>
<link>http://EzineArticles.com/2458844</link>
<guid>http://EzineArticles.com/2458844</guid>
<pubDate>Thu, 11 Jun 2009 16:13:01 -0500</pubDate>
<description><![CDATA[Folks are still purchasing houses, whether because of altering circumstances such as marriage, divorce, or just to make the most of what some think is a cut throat market. But if you still want to move, how can you take advantage of your investment and avoid common and costly pitfalls?]]></description>
</item>
<item>
<title>Shared Appreciation Mortgage Holders Use New Laws Against High Street Banks</title>
<link>http://EzineArticles.com/2459101</link>
<guid>http://EzineArticles.com/2459101</guid>
<pubDate>Thu, 11 Jun 2009 15:47:18 -0500</pubDate>
<description><![CDATA[A group of home owners with so-called shared appreciation mortgages have taken the first step towards suing their lenders.  Read this article to see how they went about it.]]></description>
</item>
<item>
<title>Middle Class Homeowners Fear They Will Not Be Able to Repay Their Mortgage</title>
<link>http://EzineArticles.com/2458977</link>
<guid>http://EzineArticles.com/2458977</guid>
<pubDate>Thu, 11 Jun 2009 14:52:32 -0500</pubDate>
<description><![CDATA[A recent survey on the housing market reports that 48 per cent of high - earning professionals are worried that they will not be able to maintain their mortgage payments next year. Clearly, the credit crunch is having serious repercussions across all sectors of society.]]></description>
</item>
<item>
<title>Life Insurance - Consumer Test</title>
<link>http://EzineArticles.com/1926228</link>
<guid>http://EzineArticles.com/1926228</guid>
<pubDate>Thu, 11 Jun 2009 10:54:57 -0500</pubDate>
<description><![CDATA[Life insurance is unusual - it's actually been falling in price. There are various types of life insurance cover available in the market and this article provides a brief introduction.]]></description>
</item>
<item>
<title>Law and Tax Aspects When Getting Onto the Property Ladder</title>
<link>http://EzineArticles.com/2447341</link>
<guid>http://EzineArticles.com/2447341</guid>
<pubDate>Tue, 09 Jun 2009 13:30:34 -0500</pubDate>
<description><![CDATA[This article looks at law and tax implications on parents who invest in their children's homes. Many people do not realise the amount of tax they need to pay when they sell the property. Read on for more information.]]></description>
</item>
<item>
<title>Some Tips on Getting Good Deals on Property</title>
<link>http://EzineArticles.com/2447356</link>
<guid>http://EzineArticles.com/2447356</guid>
<pubDate>Tue, 09 Jun 2009 13:28:30 -0500</pubDate>
<description><![CDATA[The present glitch in the property market does have some positive aspects.  You can strengthen your negotiating power if you do your homework, as we explain below.]]></description>
</item>
<item>
<title>Free Flights on a Credit Card</title>
<link>http://EzineArticles.com/2447377</link>
<guid>http://EzineArticles.com/2447377</guid>
<pubDate>Tue, 09 Jun 2009 13:26:52 -0500</pubDate>
<description><![CDATA[Free flight offers by some credit cards are tempting.  Check the terms to see if it's worth it to you.  You could lose the savings if you don't pay the card off in full.]]></description>
</item>
<item>
<title>Contents Insurance - Get Your Level of Cover Right</title>
<link>http://EzineArticles.com/2230065</link>
<guid>http://EzineArticles.com/2230065</guid>
<pubDate>Mon, 08 Jun 2009 11:55:16 -0500</pubDate>
<description><![CDATA[Contents insurance is a valuable and sensible tool. But make sure you insure yourself for the right value and don't under insure. Read on for more details.]]></description>
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