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CML survey finds 2007 mortgage payments highest in 15 years A recent report published by the UK Council of Mortgage Lenders (CML) has found that mortgage interest payments for first-time buyers are now at their highest levels for 15 years. Can't afford to get on the property ladder in Britain? Buy Abroad Britain's rising house prices and high mortgage interest rates are creating a new trend of first time buyers who are purchasing property abroad in order to get on the housing ladder. Mobile banking - an emerging trend in UK current accounts Financial consumers in Britain have begun to express interest in more unique current account services and benefits - including the opportunity to look at your bank balance on your mobile phone. Payday loans: bridging the gap between pay cheques? It's mid-month, your bank account is empty and you need to come up with some quick cash. But is a payday loan the answer? Confused by loans? You're not alone. There comes a point in most people's lives when they need to borrow some money and there are a multitude of loans to suit each borrower. Think before you borrow and take out a responsible loan If you're going to take out a loan, make sure you can pay it back or you could face years of crippling debt. The bad habits of consumer borrowing Britain's personal debt is increasing by an average of £1 million every four minutes. But how often exactly do people take out loans - and for what purposes? Premier League Banking; current accounts for the big boys Most banks offer some form a premier banking service to their top tier of customers, but are they really worth it? Property values in central London rising faster than the rest of the UK Although house price rises are slowing throughout the rest of the UK, they are continuing to accelerate in Central London, despite five interest rate rises in the past year. Summer in London city: cooling down in the capital Summer in the city can really heat up, but you don't have to leave London to cool down. The capital has a range of outdoor cool spots, so just strip and dip! One third of bank customers now bank online Online banking has gained in popularity since its introduction ten years ago. A recent report by Nationwide bank has revealed that more than one third of UK bank customers now use the internet to conduct their banking online. Mortgage arrangement fees see phenomenal rise A recent study by moneyfacts.co.uk reveals that many mortgage best-buy tables fail to take into account the impact of high mortgage arrangement fees on the cost of a mortgage. The benefits of a premier bank account Many banks now offer premier bank accounts to wealthier customers, which come with a range of added benefits not available with a standard current account. Abbey survey finds limited demand for 25-year mortgages Research undertaken by Abbey Mortgages has signalled doubts over Alistair Darling's new proposals for more 25 year fixed-rate mortgages in the UK housing market. Enter the Dragons Den: the rise of small business entrepreneurs Have you got what it takes to start up your own small business? New to 'Nam? Explore Ha Long Bay Popularised by Hollywood, magnificent Ha Long bay is an essential destination for anyone visiting northern Vietnam. For true appreciation, the spectacular limestone islands dotted throughout the bay need to be seen up close from a traditional style Vietnamese junk boat. What is the best loan for you? If you own a property it may be a homeowner loan Whether you're buying a car, extending your house or simply wanting to manage your debt more efficiently, a homeowner loan could be the best step towards a better future. London: constant reinvention makes the capital a continually fascinating place to visit London is the size of a small country; a massive metropolis in which tradition and the avant-garde exist side by side. It is the perfect destination for a city break – exciting, varied and rich in iconic buildings. Can't find fellow motor sport enthusiasts? Try hitting the web The advent of the internet has revolutionised the way that people locally and across the world connect; thus making it easier to find people who share similar interests, making online clubs increasingly popular. Prediction for the UK property market - a much sought-after drop in prices The Northern Rock crisis has caused many property experts to rethink their previous predictions regarding the future prices of property in the UK and London in particular. Country music: the choice of trailer trash? Country music has become the butt of many a music fan’s joke, but there’s much to be cherished about the genre. Innovative solutions to debt problems As well as cutting spending, increasing your income by taking on a second job or taking in a lodger will help reduce your debt Stags do Prague: the new sin city? AK47 shooting ranges, Lesbian sex shows, L-39 Albatross Jets and a bucket load of cheap beer; welcome to Prague - the Czech Republic's original city of sin - responsible for humiliating British stags since 1990. How to cope with travel-related stress You've just booked you’re a holiday to Majorca - great! Only you've just remembered how much you hate flying. But how exactly can you conquer travel-related stress? Surf’s up in Santa Cruz Originally known as San Lorenzo, the city of Santa Cruz offers visitors excellent conditions for surfing, skating and more. Exhibition displays – Hire or buy? Making an impact at an exhibition isn’t easy. There are so many styles, shapes and designs of exhibition display that it can be hard to decide which would compliment your products best. A hard choice for anyone to make is whether or not to hire or purchase the necessary exhibition equipment to make their products stand out and many exhibitors have found the wrong decision to be very costly. More women taking on two jobs to pay the mortgage In order to pay all their day-to-day living expenses, more and more women are being forced to take on two jobs as the credit squeeze tightens. The world is calling: global communication that doesn’t break the bank There are many options for communicating in real time with other parts of the world, whether it’s instant messaging on the World Wide Web, or internet telephony; and portability is still a key factor for many people, as they look to communicate with the global village without burning a hole in their pocket. Credit squeeze on credit cards Recent troubles in the US lending market have had a knock-on effect in the UK, leading to credit card companies reviewing existing customer accounts and rejecting more new applications as approval criteria gets toughened. Building Bulgaria: Brits fighting to buy ski property Bulgaria is continuing to attract huge interest from British skiers and investors alike, as they race to own a slice of the slopes. House-buying caution fuels remortgage boom Because people are starting to get concerned about the potential of falling house prices, then rather than move they are looking to stay in their own property and improve their own financial security at the same time. Two out of five use Credit Cards to finance Christmas Recent research has shown that last Christmas was financed by credit cards for two out of five Britons, with one in five still paying it off as this festive season looms. The Benefits of Finding Cancer Support Online Getting the right support when you are affected by cancer is extremely important, but not always easy to find locally. However, online forums can open up a whole new world for you. Comprehensive Spending Review: Maximising Government Efficiency How the Comprehensive Spending Review 2007 will drive efficiency and improved service delivery across all areas of Government. Dive Deep in San Juan: Underwater Gardens of the Caribbean With continental shelf encircling Puerto Rico on three sides, the island offers some exceptional dive sites, and the fact that citizens of the US don't need a passport to enter the country means that it's a very popular destination for American mainlanders. Brits taking out loans for plastic surgery A surprising number of Britons are considering having plastic surgery, and many of them plan to finance their operations through taking out a personal loan. Get a mortgage with a poor credit rating Even though having a poor or damaged credit rating makes it difficult to obtain any credit from financial institutions it is not impossible. However, if you are successful you will end up paying a higher interest rate than those with good or excellent ratings. Online banking booming, despite fraud fears Many banks, building societies, brokers, intermediaries and other financial institutions have invested heavily in their online presence, meaning that you can shop for every financial need from the comfort of your own home, or office and over the past year usage has boomed, especially amongst the elderly. The Rise & Fall of ECW For nine years, ECW was the nastiest, filthiest, most violent wrestling promotion in the USA, and the perfect alternative to the slick and glossy production of the WWF and WCW. Savings brake deteriorates, revealing worrying trend Britons are saving less and borrowing more, it has been revealed; a situation that financial advice website Unbiased - who conducted the poll - finds worrying. Are you one of the thousands of Brits hit by 'the winter vomiting virus?' Norovirus, the winter vomiting virus, has hit Britain, but what can be done to prevent the spread? It’s all in the name: brand identity and promotional products Having a familiar, recognisable brand is priceless in consumer culture and really can’t be underestimated. Given a choice between a ‘known’ brand and a new brand, a consumer will invariably go with the one they are familiar with. Using branding on promotional items such as mugs and pens is a good way of getting a company name into the public domain. Gossip Gluttons: How We Fell in Love with Celebrities Celebrity gossip continues to fascinate the public and fills thousands of pages of magazines, websites and newspapers every week. But why do we have such a culture of celebrity worship and has it always been this way? Payback time for Baltimore A decade ago, the Baltimore City Development Corporation negotiated a series of tax breaks and other financial benefits in order to allow redevelopment of the harbour area. Now, businesses in the regenerated area are starting to pay a proportion of their operating profits back to the city. Alaska: Where Fantasy Becomes Reality With its snow-capped mountain ranges, oceans of glaciers, tall, deep forests, roaming caribou and wild bears, a visitor to Alaska could be forgiven for thinking that they had stepped off the plane into a fantasy world. Then night falls…and the sky lights up… Canada’s French Connection: Montreal’s History of Multiculturalism The history of the Canadian province of Quebec is one based on the acceptance and incorporation of other cultures. This tradition of multiculturalism can plainly be seen in Quebec’s largest city, Montreal, where old European and new North American cultures combine. Have a ball - and bath - in Buffalo, New York As the second largest city in New York behind New York City, Buffalo has a number of outstanding attractions to entice visitors. Travel to this intriguing city of sights and culture in 2008, and see what all the excitement is about! Insolvency figures buck the predicted trend Although the number of insolvencies fell towards the end of 2007, those figures may be due to exceptional circumstances as many are predicting that 2008 will see a record number of individuals going bust. A guide to new car finance If you’re looking to buy a new car the terms of its financing is crucial to making sure it doesn’t interfere with your household’s budget or any unforeseen financial expenses. Experience the Far East in style Visitors to the Far East can now experience the fantastic culture, food and scenery in some of the best - and most luxurious - resorts on earth. A World Stage: The history of the Royal Opera House The Royal Opera House, located in the Covent Garden area of London, has been one of the city’s finest landmarks for over 250 years, but few people realise the trials and tribulations the Opera House has been through since its original opening in 1732. Cyber crime hitting UK small business Research reveals that 44 per cent of small businesses in the UK have been a victim of cybercrime, including internet scams, identity fraud, phishing and data theft. Monaco Grand Prix: Jewel of the F1 Crown The Monaco Grand Prix is the most prestigious race in the F1 calendar. A testing circuit set amongst a medieval backdrop, surrounded by mountains on one side and the Mediterranean on the other, its little wonder that this glamorous race attracts the rich and famous. Anaheim; it’s not all Mickey Mouse Although synonymous with Disneyland, Anaheim is also ideally placed to spend days by the Pacific Coast, and the city itself has lots more to offer than just a cartoon mouse kingdom. Windy City and deep dish pizza pie: are they related? Chicago is well-known for its high rise buildings and also its nickname the ‘Windy City’; but it is also the birthplace of that favorite American gooey dish – the deep dish pizza pie. Lawyers must get up to speed on financial regulation in a bid to stem repossessions Homeowners facing repossession must check that their lawyers are up to scratch on the law governing property repossessions, following a warning from the financial regulatory body. How to find the right loan for the right car After buying a house, purchasing a car is likely to be the second biggest investment people will make in their lives and securing the loan that’s right for you is of the utmost importance. Loose fit jeans making a comeback this spring Giving wearers comfort and a versatile look, loose fit jeans are once again becoming more popular in men’s fashion. Have we become the 51st State? There is a growing feeling in the UK that we are on the verge of the introduction of a class action model system which will have a major impact on litigation throughout Europe. Flooded With Claims: Insurance companies feel the strain Home insurance companies in the UK have been hard hit by the freak storms which swept across the UK during 2007. However, homeowners are also counting the cost. Mortgages: Making Sense Of The Mayhem With house prices continuously fluctuating and mortgage rates continuing to baffle and bemuse potential home buyers, it's little wonder that the mortgage market seems to be in a constant state of confusion. Austin: more than just Live Music Capital of the World Austin is full of historic landmarks and unusual tourist attractions, from the beautiful Texas State Capitol to the Congress Avenue Bridge and its nightly bat flights. Unbelievable accidents and Crazy Claims: Personal Injury In the world of personal injury claims, there are many reports of bizarre accidents floating around the internet. Although it is these unbelievable accidents which normally make the newspaper headlines, the reality is that most claims are fairly mundane. How To Stand Out At Exhibitions Attending an exhibition can be a great way to promote your business and find a whole new group of customers. But if you don’t make the right impression you won’t get the best results. Grab a Shopping Break in Hong Kong If you are looking for a completely different city break, why not try Hong Kong? It’s well known for its shops and you might just bag a bargain. With free internet calls, phoning abroad no longer costs the earth As difficult as it can be at times to be separated from friends and loved ones when living abroad, it has never been easier to keep in touch thanks to the advent of the World Wide Web. The Magic of New York A holiday to the Big Apple wouldn’t be complete without taking in the sights the city is famous for. But which ones are unmissable? Heading in the right direction – The Royal Observatory at Greenwich London is one of the largest tourism centers in the world, with so many famous landmarks in one place that many sightseers find a two-day visit simply too short. One such landmark that is often overlooked is the Royal Observatory at Greenwich. Nottingham tops UK burglary league Although Nottingham has been installed as the UK’s number one burglary hotspot, the good news for most UK households is that British Crime Survey figures also show that overall household burglaries have dropped by almost 60% over the last twelve years. How to Save Enough To Cover The Future Most people have just one or two places they keep their money, but are there better ways that you can plan for future costs and payments? Munich provides a welcome break for tourists The German city of Munich is one of Europe's tourism hotspots, and with a motto that translates as 'Munich likes you' it's little wonder that it is seen as such as welcoming place. Get a Taste of Tokyo’s Museums There is no doubt that Tokyo is a stunning city, but the city’s museums hold many surprises of their own. Going Digital: Today’s Step Up in Printing Printers have evolved as technology has evolved, providing further options in how consumers wish to present their material and as expected, the standards that can be achieved through digital printing are of the highest quality. Stars And Their Cars: Wheels Of The Rich And Famous Many celebrities confess to a love of driving, and some stars amass whole collections of cars - from vintage classics to sports supercars. But what are the cars of choice for the rich and famous? Make the most of the sunshine Summer is upon us and your garden can be turned into a place of seasonal delights that make use of natural assets like the sunshine; try something new and watch your garden come to life! Belfast: Making headlines for all the right reasons Belfast is a city with a well documented history of problems; but today, the city and its people only think of the future as the city’s huge potential is finally seeing the light of day Everyday Accidents: Who Is At Fault? We all have little accidents from time to time and most of us don’t think anything more of them. But it’s worth thinking about what has caused those accidents in the first place. Professional Wrestling's Grip on the UK Since the early '90s, the UK has been seen as a prime location for American professional wrestling organisations to ply their trade, with arenas across the country hosting several live events every year. City driving: stress-inducing or a piece of cake? City driving can unnerve even the calmest of drivers. Faced with gridlock, bad tempers and impatient drivers, one can easily max their stress levels out. That’s why it pays to have a strategic plan alongside a tailored car insurance package. Tennis: Fast Paced And Fashion Conscious Tennis is one of the most popular and competitive sports in the world. Not only does it provide excitement on the courts, tennis is also at the forefront of sports fashion. The Benefits of Buying A British Car Are you really better off buying a British car than you are buying one made in another country? Pedal power rules: just make sure you’re insured People are increasingly trading their cars for bicycles; however, there has also been an upsurge in both thefts and accidents. It is therefore advisable prudent to get your bike insured, with the cheapest option arguably being under one’s home insurance. Finding the web hosting service that's right for you There are almost endless options for you to consider when trying to find a host for your website; but by taking things one step at a time, it needn't be difficult finding the right web hosting service. Holidaying in the Mediterranean: Majorca's major pull Majorca is the largest of the Balearic Islands and each year sees more and more Britons fleeing to its' shores for some summer comforts. History and sunshine combine to offer the perfect blend of tourist activities. Oh to own a designer dress! Most women have gazed longingly through a shop window, at racks of glittering, beautifully-crafted designer dresses. Indeed, the thought of possessing such an item can make even the most levelled-headed woman prone to throwing rationality out the window. Can the modern business survive without a state-of-the-art printing system? Technology is constantly improving, but there is still a need to do work offline in order to keep official records and back-up important information. A full business needs assessment will help your business make the most of all its capabilities. Becoming a successful web hosting reseller Web hosting can be an exciting start up business for aspiring entrepreneurs and a great value add for existing businesses; with money to be made through reseller hosting and providing hosting facilities to website owners. Show your pet you care with an imaginative gift Many owners treat their pets as a fully fledged member of the family and if this is the case they surely deserve to celebrate their birthdays. But what sort of gift is best for your pet? Enjoy a festive European city break Few cities can rival the cultural and historical significance of Prague and Budapest; a view that's reinforced by the thousands of people who enjoy breaks in each city every year, particularly around Christmas time. (Don’t) Do It Yourself DIY is a term that can often conjure up the image of accidents and botch-jobs; but despite the obvious financial benefit, doing something that is better left to a professional can leave you with less-than-positive results. Discover some classic ski resorts It doesn’t matter whether you are a beginner or an experienced skier: there are plenty of great locations all around the world to head to this year. Getting the most from your holiday snaps Holiday photos are a great souvenir to remind yourself of your trip and to show to your friends. Advances in technology means using a digital camera makes taking a good photo a lot easier than before, but a lot of people still miss physical photos. Getting what you want, when you want it With the explosion of financial products and their providers onto the market, loan options have improved dramatically with value and associated fringe benefits now a factor in the decision making of the applicant. Playing with the luck of the Irish It can be an exciting time predicting those potential winning lottery numbers in the hope they fall from the drum. The Irish Lottery provides an alternative option to the UK National Lottery - and its chances of winning are greater! Prepare and be carefree A relaxing holiday is a terrific way to leave your troubles behind for a while. But if you took the time to eliminate your troubles before you leave, then you will enjoy it twice as much. How to beat the credit crunch It’s nothing but doom and gloom in the papers nowadays, but there are ways you can make your money stretch further and take control of your finances more easily than you might think. Let clever web marketing help make your business more visible The marketing world has always been a dynamic environment, and as use of the Internet continues to dominate how consumers interact with businesses and retailers, it is important to consider web marketing as a means to benefit your business' presence. Save money with eco friendly driving Changing your car or the way you drive it may not be at the top of your priorities. However, by following a few simple steps, you could cut your fuel bills, help the environment and become a safer driver. Sunshine in Sharm el-Sheikh Many often feel blue in the colder months of the British calendar, but when the hotter months aren’t on the horizon, what do you do? Egypt offers year-long sunshine and relatively little rain, making it the perfect destination for an autumn break. Optimise online marketing for SME’s SME’s should make the most of marketing opportunities that exist online. Build and strengthen your brand, maximise sales and learn more about your customers, all with a little help from the World Wide Web.
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