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<title>Peter Kenny - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Peter_Kenny</link>
<pubDate>Wed, 15 Feb 2012 09:20:04 -0600</pubDate>
<image><title>Peter Kenny - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Peter_Kenny</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Peter Kenny is a writer for creditcards-gb.co.uk.]]></description>
<lastBuildDate>Wed, 11 Jun 2008 14:25:03 -0500</lastBuildDate>
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<item>
<title>Mortgage Repayment Calculator - Hints &amp; Tips</title>
<link>http://EzineArticles.com/1237973</link>
<guid>http://EzineArticles.com/1237973</guid>
<pubDate>Wed, 11 Jun 2008 14:25:03 -0500</pubDate>
<description><![CDATA[There are mortgage payment calculators available for free on the internet that you can use to see how all the relevant costs and sums will add up within a thirty-year refinance loan term. These kinds of tools provide the accuracy that you need to determine if you can really afford to refinance your mortgage now or if it would be better to wait until a later date.]]></description>
</item>
<item>
<title>Mortgage Fees - What Are They?</title>
<link>http://EzineArticles.com/1208946</link>
<guid>http://EzineArticles.com/1208946</guid>
<pubDate>Mon, 02 Jun 2008 08:52:53 -0500</pubDate>
<description><![CDATA[Mortgage fees and terms can be confusing and frustrating. Mortgage and financing terms are like another language. Yet, if you have a firm grasp of at least some essential terms, the more you can potentially save yourself in headaches and money]]></description>
</item>
<item>
<title>What is an Adjustable Rate Mortgage?</title>
<link>http://EzineArticles.com/721108</link>
<guid>http://EzineArticles.com/721108</guid>
<pubDate>Mon, 10 Sep 2007 16:25:12 -0500</pubDate>
<description><![CDATA[There are various types of ARM's available to consumers. Some ARM's allow for a conversion that lets consumers switch from the ARM to a fixed rate for a fee]]></description>
</item>
<item>
<title>What is a Debt Consolidation Loan?</title>
<link>http://EzineArticles.com/716169</link>
<guid>http://EzineArticles.com/716169</guid>
<pubDate>Thu, 06 Sep 2007 15:32:45 -0500</pubDate>
<description><![CDATA[Consumers can find a lot of solid information about the various debt consolidation loan programs available by doing some research on the Internet. A debt consolidation loan can come in very handy for many consumers but these loans should be examined carefully before signing up for any. Like all financial instruments, this type of loan will have its benefits and its drawbacks. Let's look at a few of the more important issues concerning debt consolidation loans.]]></description>
</item>
<item>
<title>Basic Principles of a Loan</title>
<link>http://EzineArticles.com/715014</link>
<guid>http://EzineArticles.com/715014</guid>
<pubDate>Thu, 06 Sep 2007 11:31:26 -0500</pubDate>
<description><![CDATA[Understanding the basic principles behind a loan can save new borrowers a lot of stress and make the borrowing process easier. This article will explore some of those loan basics.]]></description>
</item>
<item>
<title>What If I Miss a Home Loan Payment?</title>
<link>http://EzineArticles.com/714662</link>
<guid>http://EzineArticles.com/714662</guid>
<pubDate>Thu, 06 Sep 2007 11:18:36 -0500</pubDate>
<description><![CDATA[It is no secret that home loans will often last 30 years or more and that during that time anyone can face financial issues that may lead to missing a home loan payment.]]></description>
</item>
<item>
<title>What is a Secured Loan?</title>
<link>http://EzineArticles.com/711481</link>
<guid>http://EzineArticles.com/711481</guid>
<pubDate>Tue, 04 Sep 2007 14:53:08 -0500</pubDate>
<description><![CDATA[There are many types of loans available and the nuances of some can be confusing, but one thing is certain: all loans are either secured loans or unsecured loans. This article will examine some of the issues that you can expect to face when applying for a secured loan.
]]></description>
</item>
<item>
<title>What Are Credit Card Rewards?</title>
<link>http://EzineArticles.com/705390</link>
<guid>http://EzineArticles.com/705390</guid>
<pubDate>Wed, 29 Aug 2007 10:58:50 -0500</pubDate>
<description><![CDATA[Lastly, you want to make sure you keep up to date with the company's policies. It is not uncommon for some credit card companies to lower their rebate rates (or increase them from time to time).]]></description>
</item>
<item>
<title>How Can I Change My Credit Limit?</title>
<link>http://EzineArticles.com/706565</link>
<guid>http://EzineArticles.com/706565</guid>
<pubDate>Wed, 29 Aug 2007 10:45:51 -0500</pubDate>
<description><![CDATA[Keep in mind that if you are already struggling with credit card debt, having more access to credit may be very harmful to your financial future. Many people believe that if they can only borrow more.]]></description>
</item>
<item>
<title>How To Use A Secured Credit Card</title>
<link>http://EzineArticles.com/705115</link>
<guid>http://EzineArticles.com/705115</guid>
<pubDate>Tue, 28 Aug 2007 16:50:19 -0500</pubDate>
<description><![CDATA[Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month.]]></description>
</item>
<item>
<title>Credit Card Types - Unsecured</title>
<link>http://EzineArticles.com/702053</link>
<guid>http://EzineArticles.com/702053</guid>
<pubDate>Mon, 27 Aug 2007 15:57:53 -0500</pubDate>
<description><![CDATA[Gold or Platinum Cards: These cards usually carry a higher credit limit and may come with some extra benefits or reward programs. There are two basic credit card types: secured and unsecured. This article explores some of the issues associated with unsecured credit cards.]]></description>
</item>
<item>
<title>Credit Card Fraud - How to Protect Yourself</title>
<link>http://EzineArticles.com/700361</link>
<guid>http://EzineArticles.com/700361</guid>
<pubDate>Fri, 24 Aug 2007 14:20:38 -0500</pubDate>
<description><![CDATA[According to federal law, once you have reported the loss or theft of your credit card, you are not responsibility for unauthorized charges.]]></description>
</item>
<item>
<title>What If I Lose My Credit Card?</title>
<link>http://EzineArticles.com/698811</link>
<guid>http://EzineArticles.com/698811</guid>
<pubDate>Fri, 24 Aug 2007 11:02:22 -0500</pubDate>
<description><![CDATA[It is a good idea to make it a habit to physically check your credit cards and debit cards to make sure you still have them. Do this once a week and you avoid many problems]]></description>
</item>
<item>
<title>How Do I Cancel My Credit Card?</title>
<link>http://EzineArticles.com/697121</link>
<guid>http://EzineArticles.com/697121</guid>
<pubDate>Thu, 23 Aug 2007 15:39:02 -0500</pubDate>
<description><![CDATA[You should also ask that the credit card company tell the credit reporting agencies that the account was closed at your request. Make a note of the time you called, the day you called]]></description>
</item>
<item>
<title>How Does Cash Advance Work?</title>
<link>http://EzineArticles.com/695450</link>
<guid>http://EzineArticles.com/695450</guid>
<pubDate>Wed, 22 Aug 2007 15:47:15 -0500</pubDate>
<description><![CDATA[Your credit card company must tell you how it treats payments when a cash advance is involved. You should read this information carefully.]]></description>
</item>
<item>
<title>What Are Credit Card Fees?</title>
<link>http://EzineArticles.com/691850</link>
<guid>http://EzineArticles.com/691850</guid>
<pubDate>Mon, 20 Aug 2007 11:44:57 -0500</pubDate>
<description><![CDATA[They earn their money through two principle methods. One is through the finance charges that they levy when you make purchases on the card, and the other method is through the use of credit card fees.]]></description>
</item>
<item>
<title>When Not to Cancel Credit Cards</title>
<link>http://EzineArticles.com/690442</link>
<guid>http://EzineArticles.com/690442</guid>
<pubDate>Sat, 18 Aug 2007 14:58:44 -0500</pubDate>
<description><![CDATA[If you are not planning a major loan activity and the balances on your old cards is zero, go ahead and close them out]]></description>
</item>
<item>
<title>How Are Finance Charges Calculated?</title>
<link>http://EzineArticles.com/681558</link>
<guid>http://EzineArticles.com/681558</guid>
<pubDate>Tue, 14 Aug 2007 08:17:22 -0500</pubDate>
<description><![CDATA[Whether you are shopping for a new credit card or wondering about the one that you may already have, knowing how to calculate the finance charge applied to that card is important]]></description>
</item>
<item>
<title>Using Your Card - What Is Its Purpose?</title>
<link>http://EzineArticles.com/676736</link>
<guid>http://EzineArticles.com/676736</guid>
<pubDate>Wed, 08 Aug 2007 08:48:38 -0500</pubDate>
<description><![CDATA[In order to find out what the APR and other fees are for any particular company, you can visit their website or you can look at the information that comes to you through the mail]]></description>
</item>
<item>
<title>What is APR?</title>
<link>http://EzineArticles.com/669855</link>
<guid>http://EzineArticles.com/669855</guid>
<pubDate>Fri, 03 Aug 2007 10:45:15 -0500</pubDate>
<description><![CDATA[Consumers should understand that if a balance is carried over from one month to the next and so forth, even small differences in the APR can add up over the course of a year.]]></description>
</item>
<item>
<title>Avoiding Credit Card Fraud</title>
<link>http://EzineArticles.com/632025</link>
<guid>http://EzineArticles.com/632025</guid>
<pubDate>Fri, 06 Jul 2007 11:24:11 -0500</pubDate>
<description><![CDATA[If you have your card stolen or you think you have been the victim of credit card fraud, then you need to sort the problem out as quickly as possible.]]></description>
</item>
<item>
<title>Are You Paying Too Much For Your Loan Insurance?</title>
<link>http://EzineArticles.com/630864</link>
<guid>http://EzineArticles.com/630864</guid>
<pubDate>Thu, 05 Jul 2007 13:17:10 -0500</pubDate>
<description><![CDATA[When you take out a loan, it is likely that you will be offered loan insurance to protect your payments should you be unable to keep up with them due to illness or unemployment]]></description>
</item>
<item>
<title>Are Tracker Mortgages Worth It?</title>
<link>http://EzineArticles.com/630650</link>
<guid>http://EzineArticles.com/630650</guid>
<pubDate>Thu, 05 Jul 2007 11:06:58 -0500</pubDate>
<description><![CDATA[A tracker mortgage is good for people who can cope with fluctuations in payment, and so can afford to take the risk that the payments will rise in exchange for the chance that they will get lower]]></description>
</item>
<item>
<title>Are Interest Only Mortgages A Good Idea?</title>
<link>http://EzineArticles.com/625171</link>
<guid>http://EzineArticles.com/625171</guid>
<pubDate>Fri, 29 Jun 2007 13:57:31 -0500</pubDate>
<description><![CDATA[Although you don't pay the capital back directly through your monthly mortgage payments, you indirectly pay for the capital]]></description>
</item>
<item>
<title>A Guide To Business Insurance</title>
<link>http://EzineArticles.com/617280</link>
<guid>http://EzineArticles.com/617280</guid>
<pubDate>Fri, 22 Jun 2007 16:19:04 -0500</pubDate>
<description><![CDATA[The easiest way to obtain business insurance is by using an insurance broker who has expertise in your particular business area]]></description>
</item>
<item>
<title>Why Use Cash Advance Features?</title>
<link>http://EzineArticles.com/615763</link>
<guid>http://EzineArticles.com/615763</guid>
<pubDate>Thu, 21 Jun 2007 16:16:49 -0500</pubDate>
<description><![CDATA[Although credit cards are generally used for purchasing goods in shops and online, they can also provide you with the same services as an ATM.]]></description>
</item>
<item>
<title>Benefits And Drawbacks Of A Variable Rate Card</title>
<link>http://EzineArticles.com/612618</link>
<guid>http://EzineArticles.com/612618</guid>
<pubDate>Wed, 20 Jun 2007 14:04:12 -0500</pubDate>
<description><![CDATA[Of course, whether you get a variable rate card or fixed rate card is irrelevant if you pay your balance off in full each month, because you won't be paying interest]]></description>
</item>
<item>
<title>Where Can You Get A Credit Card?</title>
<link>http://EzineArticles.com/610886</link>
<guid>http://EzineArticles.com/610886</guid>
<pubDate>Tue, 19 Jun 2007 15:44:36 -0500</pubDate>
<description><![CDATA[One of the newest suppliers of credit cards are supermarkets. Due to their massive presence in towns and cities, supermarkets are branching out into financial service products such as credit cards]]></description>
</item>
<item>
<title>When Do You Really Need Credit Cards?</title>
<link>http://EzineArticles.com/609905</link>
<guid>http://EzineArticles.com/609905</guid>
<pubDate>Tue, 19 Jun 2007 10:51:53 -0500</pubDate>
<description><![CDATA[Although credit cards can cause debt and other problems, for most people they are a necessity for everyday life, and are required for them to live their life properly]]></description>
</item>
<item>
<title>Using Credit Cards And E-commerce On Your Web Site</title>
<link>http://EzineArticles.com/608115</link>
<guid>http://EzineArticles.com/608115</guid>
<pubDate>Sat, 16 Jun 2007 12:32:12 -0500</pubDate>
<description><![CDATA[The easiest and quickest method to use is generally a third party merchant, as they can be set up in a few minutes and have very little or no signup costs.]]></description>
</item>
<item>
<title>Using Commercial Cards In Your Business</title>
<link>http://EzineArticles.com/607771</link>
<guid>http://EzineArticles.com/607771</guid>
<pubDate>Fri, 15 Jun 2007 15:16:40 -0500</pubDate>
<description><![CDATA[Although credit cards are the most common commercial cards, there are other cards available. Charge cards for business purposes are similar to regular charge cards]]></description>
</item>
<item>
<title>Keep Safe When Using Your Credit Card Online</title>
<link>http://EzineArticles.com/606509</link>
<guid>http://EzineArticles.com/606509</guid>
<pubDate>Fri, 15 Jun 2007 12:10:42 -0500</pubDate>
<description><![CDATA[Although HTTPS is not completely safe, it is much safer than using a site without HTTPS. If you are entering financial information of any sort, make sure that the site is using HTTPS.]]></description>
</item>
<item>
<title>How To Avoid Online Credit Card Fraud</title>
<link>http://EzineArticles.com/606265</link>
<guid>http://EzineArticles.com/606265</guid>
<pubDate>Fri, 15 Jun 2007 10:45:07 -0500</pubDate>
<description><![CDATA[If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud]]></description>
</item>
<item>
<title>Virtual Credit Cards- A Guide</title>
<link>http://EzineArticles.com/605332</link>
<guid>http://EzineArticles.com/605332</guid>
<pubDate>Fri, 15 Jun 2007 07:37:27 -0500</pubDate>
<description><![CDATA[Although virtual credit cards are limited in their scope, if you regularly purchase items online then they are a more secure way of shopping.]]></description>
</item>
<item>
<title>Stopping Credit Card Identity Theft</title>
<link>http://EzineArticles.com/583656</link>
<guid>http://EzineArticles.com/583656</guid>
<pubDate>Wed, 30 May 2007 10:40:52 -0500</pubDate>
<description><![CDATA[Although identity theft can be a big problem, if you can prove that you did not buy any items or give up your information, then your card issuer should be able to refund all or part of the money that was taken.]]></description>
</item>
<item>
<title>How To Avoid Sneaky Card Charges</title>
<link>http://EzineArticles.com/574463</link>
<guid>http://EzineArticles.com/574463</guid>
<pubDate>Wed, 23 May 2007 11:46:16 -0500</pubDate>
<description><![CDATA[Although your card might have low APR and a nice credit limit, if you don't stick to making your payments on time then you could end up paying huge amounts in penalty fees]]></description>
</item>
<item>
<title>How To Add An Additional Card Holder</title>
<link>http://EzineArticles.com/573413</link>
<guid>http://EzineArticles.com/573413</guid>
<pubDate>Tue, 22 May 2007 14:04:46 -0500</pubDate>
<description><![CDATA[The advantages of adding a cardholder are that you can reduce the number of accounts that you and the additional cardholder have, making payments easier]]></description>
</item>
<item>
<title>Fixed Rate Credit Cards Explained</title>
<link>http://EzineArticles.com/572985</link>
<guid>http://EzineArticles.com/572985</guid>
<pubDate>Tue, 22 May 2007 11:45:19 -0500</pubDate>
<description><![CDATA[Although fixed cards have the benefit of keeping your repayments at the same rate over the years, they do have higher interest]]></description>
</item>
<item>
<title>Avoiding Sub-Prime Borrower Cards</title>
<link>http://EzineArticles.com/569960</link>
<guid>http://EzineArticles.com/569960</guid>
<pubDate>Sun, 20 May 2007 09:20:18 -0500</pubDate>
<description><![CDATA[If you are having problems finding a credit card that does not have extremely high fees and want some help, then consult an independent financial advisor for some advice]]></description>
</item>
<item>
<title>Getting A Wedding Loan</title>
<link>http://EzineArticles.com/547633</link>
<guid>http://EzineArticles.com/547633</guid>
<pubDate>Wed, 02 May 2007 09:08:28 -0500</pubDate>
<description><![CDATA[Although it might be possible to get a secured wedding loan, most wedding loans are personal unsecured loans]]></description>
</item>
<item>
<title>Should You Pay An Annual Fee?</title>
<link>http://EzineArticles.com/546217</link>
<guid>http://EzineArticles.com/546217</guid>
<pubDate>Tue, 01 May 2007 06:33:13 -0500</pubDate>
<description><![CDATA[If you have a credit card and pay an annual fee for the privilege, then perhaps you are paying too much for your card]]></description>
</item>
<item>
<title>Why Are Business Loans Important?</title>
<link>http://EzineArticles.com/530330</link>
<guid>http://EzineArticles.com/530330</guid>
<pubDate>Tue, 17 Apr 2007 16:33:20 -0500</pubDate>
<description><![CDATA[If you are running your own business, then you probably know that it can sometimes be hard to find the funding you need to make your business work.]]></description>
</item>
<item>
<title>When To Get Payment Protection</title>
<link>http://EzineArticles.com/528996</link>
<guid>http://EzineArticles.com/528996</guid>
<pubDate>Mon, 16 Apr 2007 21:44:44 -0500</pubDate>
<description><![CDATA[Payment Protection Insurance, or PPI, is an insurance offered on credit cards or loans to cover your repayments should you not be able to make them]]></description>
</item>
<item>
<title>The Pros And Cons Of Reward Cards</title>
<link>http://EzineArticles.com/521374</link>
<guid>http://EzineArticles.com/521374</guid>
<pubDate>Tue, 10 Apr 2007 21:37:47 -0500</pubDate>
<description><![CDATA[Although reward cards might seem like a good idea, unless you pay off the balance each month the incentives are probably not worth it]]></description>
</item>
<item>
<title>How To Consolidate Credit Card Debt</title>
<link>http://EzineArticles.com/521608</link>
<guid>http://EzineArticles.com/521608</guid>
<pubDate>Tue, 10 Apr 2007 20:59:56 -0500</pubDate>
<description><![CDATA[Remember, when you consolidate your credit card debt, it is important to cancel all or some of the cards that you have transferred from]]></description>
</item>
<item>
<title>A Guide To Basic Loan Terms</title>
<link>http://EzineArticles.com/513569</link>
<guid>http://EzineArticles.com/513569</guid>
<pubDate>Tue, 03 Apr 2007 19:49:14 -0500</pubDate>
<description><![CDATA[The loan term is the agreed time over which you will repay the loan. You will repay the loan monthly over this period until the loan and interest is fully paid back]]></description>
</item>
<item>
<title>The Benefits Of A Variable Rate Loan</title>
<link>http://EzineArticles.com/512235</link>
<guid>http://EzineArticles.com/512235</guid>
<pubDate>Mon, 02 Apr 2007 17:06:00 -0500</pubDate>
<description><![CDATA[In the current climate, a variable rate loan will normally be cheaper than a similar fixed rate loan. However, you need to make sure you can afford the repayments if the rates should increase.]]></description>
</item>
<item>
<title>Taking Out Loans For Travel</title>
<link>http://EzineArticles.com/509100</link>
<guid>http://EzineArticles.com/509100</guid>
<pubDate>Fri, 30 Mar 2007 16:03:14 -0500</pubDate>
<description><![CDATA[If you want to go on holiday but cannot afford the large payment in one go, then you might want to think about taking out a loan for travel purposes]]></description>
</item>
<item>
<title>What Are Tenant Loans?</title>
<link>http://EzineArticles.com/504753</link>
<guid>http://EzineArticles.com/504753</guid>
<pubDate>Wed, 28 Mar 2007 09:34:04 -0500</pubDate>
<description><![CDATA[Although you might not be able to borrow as much as you would with a homeowner loan, tenant loans do have the advantage of being quick to get hold of.]]></description>
</item>
<item>
<title>Using A Loan To Pay For Medical Treatment</title>
<link>http://EzineArticles.com/503192</link>
<guid>http://EzineArticles.com/503192</guid>
<pubDate>Tue, 27 Mar 2007 09:23:09 -0500</pubDate>
<description><![CDATA[With the NHS being severely under funded, more and more people are turning to private medical care in order to get the treatment they need. This might be treatment that can be done for free on the NHS, or elective and cosmetic surgery that you have to pay for. Whatever medical treatment you need, you should consider getting a loan for medical treatment if you cannot afford the costs. Here is some advice about taking out loans for medical treatment.]]></description>
</item>
<item>
<title>Facts About Mortgage Loan Offers And Pre-Approval</title>
<link>http://EzineArticles.com/500037</link>
<guid>http://EzineArticles.com/500037</guid>
<pubDate>Fri, 23 Mar 2007 13:55:42 -0500</pubDate>
<description><![CDATA[Although many of the 'pre-approval' letters you get through the post are worthless, there are types of pre-approval from lenders that can help you greatly when buying a house.]]></description>
</item>
<item>
<title>The Problems And Advantages Of A Lifetime Loan</title>
<link>http://EzineArticles.com/498660</link>
<guid>http://EzineArticles.com/498660</guid>
<pubDate>Thu, 22 Mar 2007 13:27:19 -0500</pubDate>
<description><![CDATA[If you think that a mortgage is beyond you because even with a term of 25 years the payments are too high, then maybe you should consider getting a lifetime loan.]]></description>
</item>
<item>
<title>When Should You Get Loan Insurance?</title>
<link>http://EzineArticles.com/497357</link>
<guid>http://EzineArticles.com/497357</guid>
<pubDate>Wed, 21 Mar 2007 16:46:23 -0500</pubDate>
<description><![CDATA[Although it can be expensive and limited, if you think that loan insurance will give you the peace of mind you want and that the policy will cover your circumstances, then take out a policy...]]></description>
</item>
<item>
<title>Tips On Adjusting Your Credit Limit</title>
<link>http://EzineArticles.com/496005</link>
<guid>http://EzineArticles.com/496005</guid>
<pubDate>Wed, 21 Mar 2007 08:32:08 -0500</pubDate>
<description><![CDATA[Using credit cards effectively often depends on the level of credit that you have, and how you spend that credit. There are times when you might need to increase your credit limit]]></description>
</item>
<item>
<title>The Benefits Of Bi-Weekly Loans</title>
<link>http://EzineArticles.com/494377</link>
<guid>http://EzineArticles.com/494377</guid>
<pubDate>Mon, 19 Mar 2007 16:29:01 -0500</pubDate>
<description><![CDATA[If you are trying to find ways to pay off your mortgage loan more quickly, then one possible solution is to use the bi-weekly payment method]]></description>
</item>
<item>
<title>Benefits Of Low Introductory Rates</title>
<link>http://EzineArticles.com/494107</link>
<guid>http://EzineArticles.com/494107</guid>
<pubDate>Mon, 19 Mar 2007 15:15:25 -0500</pubDate>
<description><![CDATA[There are many people who use introductory rates to their advantage by continually switching from one card to another in order to keep their payments low.

Low APR offers often come with hidden charges, such as high balance transfer fees or a much higher typical APR after the introductory period expires...]]></description>
</item>
<item>
<title>Credit Card Authorisation Advice</title>
<link>http://EzineArticles.com/483821</link>
<guid>http://EzineArticles.com/483821</guid>
<pubDate>Sun, 11 Mar 2007 10:24:56 -0500</pubDate>
<description><![CDATA[Most of us use credit or debit cards regularly, and normally there are no problems verifying that these cards belong to us]]></description>
</item>
<item>
<title>Person-To-Person Loans Advice</title>
<link>http://EzineArticles.com/464064</link>
<guid>http://EzineArticles.com/464064</guid>
<pubDate>Thu, 22 Feb 2007 10:30:38 -0600</pubDate>
<description><![CDATA[Although it is in its early stages, person-to-person lending looks like getting more popular as the technology and security improves]]></description>
</item>
<item>
<title>Loans For The Self-Employed</title>
<link>http://EzineArticles.com/455547</link>
<guid>http://EzineArticles.com/455547</guid>
<pubDate>Thu, 15 Feb 2007 09:14:46 -0600</pubDate>
<description><![CDATA[One of the biggest problems facing self-employed people is that you are often legally understating your earnings for the purposes of tax, which will hurt you when trying to get a loan.]]></description>
</item>
<item>
<title>How To Get Refused For A Loan</title>
<link>http://EzineArticles.com/454112</link>
<guid>http://EzineArticles.com/454112</guid>
<pubDate>Wed, 14 Feb 2007 13:54:34 -0600</pubDate>
<description><![CDATA[Although it is getting easier and easier to get hold of a loans at a good price, there are still ways that you can make it hard for yourself to get a loan.]]></description>
</item>
<item>
<title>Benefits Of Direct Debit Payments</title>
<link>http://EzineArticles.com/444183</link>
<guid>http://EzineArticles.com/444183</guid>
<pubDate>Tue, 06 Feb 2007 09:33:36 -0600</pubDate>
<description><![CDATA[If you have a credit card or current account, then you might want to take advantage of Direct Debit in order to pay your bills]]></description>
</item>
<item>
<title>Joint Loan Application Tips</title>
<link>http://EzineArticles.com/435051</link>
<guid>http://EzineArticles.com/435051</guid>
<pubDate>Mon, 29 Jan 2007 12:56:17 -0600</pubDate>
<description><![CDATA[If you are living with a partner or family member and you need some money but don't have the means, then you should think about applying for a joint loan]]></description>
</item>
<item>
<title>Store Cards: A Brief Guide</title>
<link>http://EzineArticles.com/428542</link>
<guid>http://EzineArticles.com/428542</guid>
<pubDate>Wed, 24 Jan 2007 09:05:55 -0600</pubDate>
<description><![CDATA[Although store cards are very expensive and are not worth the money for a lot of people, you can benefit from a store card if you use it in the right way.]]></description>
</item>
<item>
<title>How To Keep Your PIN Secure</title>
<link>http://EzineArticles.com/422093</link>
<guid>http://EzineArticles.com/422093</guid>
<pubDate>Thu, 18 Jan 2007 12:32:04 -0600</pubDate>
<description><![CDATA[Banking and card security is becoming more and more of an issue as identity thieves and fraudsters find new ways to get hold of our money]]></description>
</item>
<item>
<title>Using A Credit Card To Shop Online</title>
<link>http://EzineArticles.com/418590</link>
<guid>http://EzineArticles.com/418590</guid>
<pubDate>Mon, 15 Jan 2007 08:46:53 -0600</pubDate>
<description><![CDATA[If you make a lot of purchases online, then you might want to think about getting a virtual credit card. This is just like a normal credit card, but all transactions and details are based online.]]></description>
</item>
<item>
<title>Buying A Car With A Personal Contract Purchase Loan</title>
<link>http://EzineArticles.com/402566</link>
<guid>http://EzineArticles.com/402566</guid>
<pubDate>Wed, 03 Jan 2007 07:51:52 -0600</pubDate>
<description><![CDATA[Although PCP means you don't own the car during the contract term, it is much cheaper than a loan for financing a car. Even if you get a very low rate, you will pay back more and the depreciation will be higher]]></description>
</item>
<item>
<title>Choosing Your Loan Repayment Period</title>
<link>http://EzineArticles.com/392031</link>
<guid>http://EzineArticles.com/392031</guid>
<pubDate>Wed, 20 Dec 2006 15:05:10 -0600</pubDate>
<description><![CDATA[Although choosing the right loan period is important, there is always the possibility that you can change the terms if you need to. If you find that you can afford to pay off the loan more quickly, then try and do this]]></description>
</item>
<item>
<title>The Dangers Of Introductory Loan Rates</title>
<link>http://EzineArticles.com/387492</link>
<guid>http://EzineArticles.com/387492</guid>
<pubDate>Fri, 15 Dec 2006 12:57:08 -0600</pubDate>
<description><![CDATA[If you are tempted by an offer of a loan that seems 'too good to be true', then it probably is. Although there are many excellent loan rates and offers out there, it pays to be cautious about introductory loan offers]]></description>
</item>
<item>
<title>The Benefits And Pitfalls Of An Endowment Loan</title>
<link>http://EzineArticles.com/378293</link>
<guid>http://EzineArticles.com/378293</guid>
<pubDate>Wed, 06 Dec 2006 18:12:36 -0600</pubDate>
<description><![CDATA[Endowment mortgage loans are one of the most controversial types of loans, and have received good and bad press in equal measure]]></description>
</item>
<item>
<title>How To Avoid Loan Sharks</title>
<link>http://EzineArticles.com/376374</link>
<guid>http://EzineArticles.com/376374</guid>
<pubDate>Mon, 04 Dec 2006 21:35:06 -0600</pubDate>
<description><![CDATA[These loan sharks target people who think they cannot get a loan another way. However, even people with poor credit can get a legitimate loan with decent rates and no hidden charges]]></description>
</item>
<item>
<title>Advantages And Disadvantages Of A Prepaid Card</title>
<link>http://EzineArticles.com/372866</link>
<guid>http://EzineArticles.com/372866</guid>
<pubDate>Thu, 30 Nov 2006 08:45:33 -0600</pubDate>
<description><![CDATA[Although prepaid cards have many advantages, they can cost you money through various charges and fees. Many prepaid cards carry an application charge as well as a monthly usage charge.]]></description>
</item>
<item>
<title>How To Avoid Credit Card Fees</title>
<link>http://EzineArticles.com/370907</link>
<guid>http://EzineArticles.com/370907</guid>
<pubDate>Tue, 28 Nov 2006 16:22:07 -0600</pubDate>
<description><![CDATA[Perhaps the biggest problem with some of these penalty fees is that if you have to pay them, it can mean more money lost for you than simply the penalty fee]]></description>
</item>
<item>
<title>Top-up Loans Advice</title>
<link>http://EzineArticles.com/367915</link>
<guid>http://EzineArticles.com/367915</guid>
<pubDate>Sat, 25 Nov 2006 05:12:47 -0600</pubDate>
<description><![CDATA[If you have a mortgage and are in of more money to help you pay off debts or finance home improvements, then you should consider getting a top-up loan.]]></description>
</item>
<item>
<title>What Are The Benefits Of A Cash Advance Loan?</title>
<link>http://EzineArticles.com/361117</link>
<guid>http://EzineArticles.com/361117</guid>
<pubDate>Thu, 16 Nov 2006 09:56:38 -0600</pubDate>
<description><![CDATA[The alternatives to cash advance loans are limited, especially if you don't have a credit card or a family member who can lend you the money]]></description>
</item>
<item>
<title>Hire Purchase Loans Advice</title>
<link>http://EzineArticles.com/357725</link>
<guid>http://EzineArticles.com/357725</guid>
<pubDate>Mon, 13 Nov 2006 10:46:42 -0600</pubDate>
<description><![CDATA[If you want a cheap way to pay for a major financial item, then you should look at the possibilities of hire purchase. Hire purchase can help you to buy expensive items with cheap monthly payments, thereby allowing you to get the things you want more quickly]]></description>
</item>
<item>
<title>Using Your Credit Card Wisely</title>
<link>http://EzineArticles.com/348925</link>
<guid>http://EzineArticles.com/348925</guid>
<pubDate>Mon, 06 Nov 2006 10:18:47 -0600</pubDate>
<description><![CDATA[Shopping online has become increasingly popular, mainly because of the convenience it offers and the low prices available. When shopping online it is important to always use a credit card to purchase items]]></description>
</item>
<item>
<title>When To Get A Secured Card</title>
<link>http://EzineArticles.com/346418</link>
<guid>http://EzineArticles.com/346418</guid>
<pubDate>Fri, 03 Nov 2006 15:15:40 -0600</pubDate>
<description><![CDATA[As with any other product that targets those with poor credit, there are a number of bad cards and scams around that you should avoid. Although many secured cards are reasonably priced, some charge extremely high annual fees]]></description>
</item>
<item>
<title>How Large A Loan Can You Afford?</title>
<link>http://EzineArticles.com/344350</link>
<guid>http://EzineArticles.com/344350</guid>
<pubDate>Wed, 01 Nov 2006 09:38:02 -0600</pubDate>
<description><![CDATA[As well as the lender deciding how much you can afford, you need to be honest with yourself about your financial capabilities. Just because a lender will loan you a certain amount of money does not mean you can really afford it]]></description>
</item>
<item>
<title>A Guide To Career Development Loans</title>
<link>http://EzineArticles.com/342271</link>
<guid>http://EzineArticles.com/342271</guid>
<pubDate>Mon, 30 Oct 2006 14:52:48 -0600</pubDate>
<description><![CDATA[If you are finding your current vocation a bit dull and want a lift, or feel that you could do more in your current career, then perhaps you should look at getting a career development loan.]]></description>
</item>
<item>
<title>Reducing Your Loan Interest Payments</title>
<link>http://EzineArticles.com/340901</link>
<guid>http://EzineArticles.com/340901</guid>
<pubDate>Sun, 29 Oct 2006 08:44:23 -0600</pubDate>
<description><![CDATA[If you have a long-term loan with high interest, then you might find yourself paying almost as much in interest payments as you are towards the money you borrowed...]]></description>
</item>
<item>
<title>Short-term Loan Options</title>
<link>http://EzineArticles.com/339308</link>
<guid>http://EzineArticles.com/339308</guid>
<pubDate>Thu, 26 Oct 2006 19:37:40 -0500</pubDate>
<description><![CDATA[Although many people see loans as a long-term financing option, there are some short-term loan options available as well. These short-term options range from a year to just a few weeks]]></description>
</item>
<item>
<title>A Guide To Charge Cards</title>
<link>http://EzineArticles.com/336993</link>
<guid>http://EzineArticles.com/336993</guid>
<pubDate>Tue, 24 Oct 2006 15:30:00 -0500</pubDate>
<description><![CDATA[Getting a charge card is really a personal choice, although people who find it hard to budget should not get a charge card]]></description>
</item>
<item>
<title>The Ins And Outs Of Balance Transfers</title>
<link>http://EzineArticles.com/335793</link>
<guid>http://EzineArticles.com/335793</guid>
<pubDate>Mon, 23 Oct 2006 11:52:43 -0500</pubDate>
<description><![CDATA[If you have a number of credit cards, or are looking to get another card, then it pays to know about the ins and outs of balance transfers]]></description>
</item>
<item>
<title>Paying Your Loan Back Early</title>
<link>http://EzineArticles.com/333770</link>
<guid>http://EzineArticles.com/333770</guid>
<pubDate>Fri, 20 Oct 2006 14:10:19 -0500</pubDate>
<description><![CDATA[Paying your loan back early is one of the best ways to save yourself money, but there can be hidden charges as well. If you are taking out a loan and think that you might want to pay it back early]]></description>
</item>
<item>
<title>Working Out The Total Cost Of A Loan</title>
<link>http://EzineArticles.com/332687</link>
<guid>http://EzineArticles.com/332687</guid>
<pubDate>Thu, 19 Oct 2006 12:37:09 -0500</pubDate>
<description><![CDATA[If you are looking for a loan and are still unsure how much you will need to pay back over the whole term, then consult an independent financial advisor, who can help you work out how much you are paying for each loan, and which is the best deal.]]></description>
</item>
<item>
<title>Credit Cards For Teenagers</title>
<link>http://EzineArticles.com/330821</link>
<guid>http://EzineArticles.com/330821</guid>
<pubDate>Tue, 17 Oct 2006 12:06:31 -0500</pubDate>
<description><![CDATA[Although many believe these cards are better for children than other financial products, there are still question marks over whether they are a good idea]]></description>
</item>
<item>
<title>How To Deal With Credit Card Mail Offers</title>
<link>http://EzineArticles.com/330466</link>
<guid>http://EzineArticles.com/330466</guid>
<pubDate>Tue, 17 Oct 2006 10:36:50 -0500</pubDate>
<description><![CDATA[If you are annoyed by the constant credit card junk mail that you receive, then you are not alone. People all over the country are receiving literally dozens of credit cards offers every year]]></description>
</item>
<item>
<title>How To Get The Best Graduate Loan</title>
<link>http://EzineArticles.com/329640</link>
<guid>http://EzineArticles.com/329640</guid>
<pubDate>Mon, 16 Oct 2006 20:16:30 -0500</pubDate>
<description><![CDATA[What you use the loan for is up to you, but usually graduate loans are used to pay off credit card debts from university and to help start you off in your chosen career]]></description>
</item>
<item>
<title>Are You Ready For A Credit Card?</title>
<link>http://EzineArticles.com/329342</link>
<guid>http://EzineArticles.com/329342</guid>
<pubDate>Mon, 16 Oct 2006 16:46:12 -0500</pubDate>
<description><![CDATA[If you think you are ready for a credit card, then make sure you know the benefits you can receive and the problems that you might have to face.]]></description>
</item>
<item>
<title>What To Do If You Can't Pay Back Your Loan</title>
<link>http://EzineArticles.com/329460</link>
<guid>http://EzineArticles.com/329460</guid>
<pubDate>Mon, 16 Oct 2006 14:10:59 -0500</pubDate>
<description><![CDATA[If the worst happens are you are forced to sell your home or are taken to court, try and deal with the situation properly. Although this is obviously a very hard time for you, make sure you keep a level head]]></description>
</item>
<item>
<title>Understanding Your Bank Account Details Better</title>
<link>http://EzineArticles.com/328586</link>
<guid>http://EzineArticles.com/328586</guid>
<pubDate>Mon, 16 Oct 2006 05:28:17 -0500</pubDate>
<description><![CDATA[If you are unsure about any other banking terms, then visiting your local bank branch or looking online might help]]></description>
</item>
<item>
<title>How To Keep Banking Simple</title>
<link>http://EzineArticles.com/328516</link>
<guid>http://EzineArticles.com/328516</guid>
<pubDate>Sun, 15 Oct 2006 12:01:44 -0500</pubDate>
<description><![CDATA[If you are new to banking, then it can seem like a confusing subject. All the different banks, accounts and cards on offer can make the task of starting to bank a daunting one.]]></description>
</item>
<item>
<title>How To Avoid Overdraft And Late Fees</title>
<link>http://EzineArticles.com/328044</link>
<guid>http://EzineArticles.com/328044</guid>
<pubDate>Sat, 14 Oct 2006 12:07:01 -0500</pubDate>
<description><![CDATA[If you have ever missed a payment or gone over your overdraft limit then you will know about the expensive fees that you have to pay. One late payment can trigger a fee]]></description>
</item>
<item>
<title>A Guide To Offshore Banking</title>
<link>http://EzineArticles.com/328036</link>
<guid>http://EzineArticles.com/328036</guid>
<pubDate>Sat, 14 Oct 2006 11:46:53 -0500</pubDate>
<description><![CDATA[Offshore banking does use the law to its fullest, and so there are a number of risks associated with it. Firstly, if you don't know what you are getting into then you could end up in legal trouble.]]></description>
</item>
<item>
<title>Joint Bank Accounts And The Problem Of Divorce</title>
<link>http://EzineArticles.com/324567</link>
<guid>http://EzineArticles.com/324567</guid>
<pubDate>Wed, 11 Oct 2006 10:53:16 -0500</pubDate>
<description><![CDATA[If you are in the unfortunate situation of getting divorced, then you may be wondering how to sort out your joint bank accounts]]></description>
</item>
<item>
<title>Banking For Students And Graduates</title>
<link>http://EzineArticles.com/323480</link>
<guid>http://EzineArticles.com/323480</guid>
<pubDate>Tue, 10 Oct 2006 10:34:18 -0500</pubDate>
<description><![CDATA[If you are a student or have recently graduated, then there a large number of bank accounts and financial products designed specifically for you.]]></description>
</item>
<item>
<title>Business Banking Basics</title>
<link>http://EzineArticles.com/320108</link>
<guid>http://EzineArticles.com/320108</guid>
<pubDate>Fri, 06 Oct 2006 13:19:25 -0500</pubDate>
<description><![CDATA[One of the most important features of large and small business is to have good business banking. Good business banking will allow the money within your company to flow, and will greatly save you time and money]]></description>
</item>
<item>
<title>Keeping Track Of Credit Card Spending</title>
<link>http://EzineArticles.com/319090</link>
<guid>http://EzineArticles.com/319090</guid>
<pubDate>Thu, 05 Oct 2006 10:40:30 -0500</pubDate>
<description><![CDATA[Although spending on credit cards is a fact of life for most people, you should try and keep credit card spending to a minimum, and keep the cards handy for emergency situations]]></description>
</item>
<item>
<title>How To Solve Banking Disputes</title>
<link>http://EzineArticles.com/317901</link>
<guid>http://EzineArticles.com/317901</guid>
<pubDate>Wed, 04 Oct 2006 11:16:06 -0500</pubDate>
<description><![CDATA[If you have tried negotiating with your bank and you are still unhappy, then seek advice from an independent financial advisor or banking disputes company. Although most disputes are simply sorted out with a letter or phone call]]></description>
</item>
<item>
<title>Banking Alternatives: Do You Need A Bank?</title>
<link>http://EzineArticles.com/316964</link>
<guid>http://EzineArticles.com/316964</guid>
<pubDate>Tue, 03 Oct 2006 10:21:59 -0500</pubDate>
<description><![CDATA[Although there are viable alternatives to traditional banking, perhaps the best way to save yourself time and money is to have a combination of accounts. If you are eligible for a credit union, then saving with them is probably the best option]]></description>
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