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How you can prepare for the future with Individual Savings Accounts Article By : Otha Isiminger UK residents have access to a unique savings vehicle known as the Individual Savings Account, or ISA. Opening an ISA is a great way to enjoy both the safety of a cash savings account and the growth potential of a stock market account ? all under the same umbrella. The fact that the earnings on these accounts, including interest, capital gains and stock dividends, are free from tax makes them even more appealing to individual investors. Individual Voluntary Arrangements FAQ By : Dian Combass What are IVAs? IVAs are an alternative to bankruptcy that allows people who are struggling with debt to make a formal repayment proposal to their creditors in order to clear the debt. When an IVA is issued, the interest on the debt is frozen and part of the debt will be written off in order to make it easier to pay back. Managing your debt problems By : Gilberte Aerts Getting into debt, for some, is embarrassing. It is like an addiction, or a habit that represents weakness and lack of control. Insurance giant AXA estimates that almost a quarter of the British public hide their loans from their families. Planning Your Debt By : Gilberte Aerts Whilst the stock markets may have recovered after the financial crisis (or at least be on their way towards it) the same cannot be said for many people. Millions of people in the UK are out of work or struggling to make ends meet in what remains a difficult financial climate. Insolvency Proceedings By : Gilberte Aerts If your financial situation is truly bleak and you are struggling to deal with your creditors, there are not many options that are often available. All sorts of plans for getting out of debt may not apply if you have a very low income, and even bankruptcy could be difficult. Making a Change By : Gilberte Aerts With the festive season approaching, many people are looking for ways in which to save money so as to be able to afford the kind of Christmas they are used to celebrating. There are, in fact, many different ways in which to adjust your lifestyle to free up that precious extra cash. Here's a quick look at a few of them. A guide to financial spread betting By : Cierra Olshefski Spread betting is an ingenious way to earn money from the financial markets, without having to actually own any stocks, shares, and bonds. You can spread bet on anything from the performance of a single company or commodity on the stock market to an entire financial index, such as the FTSE or the Dow Jones. How to keep the car running By : Jerri Holleran Owning and running a car was once a luxury that only the rich could afford. But since Henry Ford started mass producing his Model T after the first world war, cars have become readily available. However, if running costs continue to rise a car will once again become more of a luxury commodity. Curing the Christmas Financial Hangover By : Dian Combass 2010 is here, and it''s never been a better time to sort out your finances. In the wake of the recession plenty of people have reined in their spending habits and took time to assess their finances and you can join them too. Thinking of the public sector? By : Audry Jolie With job losses in private industry continuing to rise as Britain pulls itself out of recession, more and more graduates are looking to launch their careers in the public sector. But is it a route that would be right for you? Should you take out a stocks and shares ISA By : Otha Isiminger One of the easiest ways to improve your bank balance is to invest in a stocks and shares ISA. These schemes allow you to invest up to 3,600GBP, rising to 5,100GBP in April 2010, in the stock market, tax free. Investing Ethically By : Otha Isiminger An Ethical Investment Just what is a unit trust? By : Otha Isiminger A company known as M and G way back in 1931 launched the very first unit trust. Since then, the unit trust industry has grown and grown, to the extent that it is now responsible for managing over three trillion pounds worth of investment capital worldwide. A guide to unit trusts By : Otha Isiminger A unit trust is a type of pooled investment, for which a fund manager will buy shares in a number of different companies and combine these into one fund. As an investor, you would be able to buy several small portions of this fund, known as units. Where''s safe for your savings? By : Otha Isiminger With the recent news that inflation has hit a nine month high at 2.9%, UK citizens are likely to be worried about their savings. For a standard savings account to be worth the effort basic-rate tax payers will have to earn 3.63% on their savings and higher-rate taxpayers will have to secure 4.84%. Take advantage of the recession with corporate bonds By : Otha Isiminger The current climate of turmoil in the stock markets presents some astonishing opportunities for the investor. Some of the best opportunities are to be found in the market for corporate bonds, as these offer good returns and more investor security than you would get with shares. An Introduction to Unit Trusts By : Otha Isiminger Overwhelmed by the range of savings and investment possibilities currently available? Unsure of how to proceed in the face of a range of conflicting kinds of advice concerning your finances in the face of the credit crunch? Here, you will find one kind of investment explained. A guide to corporate bonds By : Otha Isiminger Corporate bonds are a type of investment where you effectively lend money to a private company in return for a fixed rate of interest over a certain period of time. At the end of this period of time, the bond will be paid back to the investor with interest. Corporate Bonds: An Explanation By : Otha Isiminger In an economic climate where it is becoming increasingly difficult to save, the corporate bond could be the solution you have been looking for. Debt Investment By : Otha Isiminger In the last weeks ''corporate bonds'' have moved from the world of business to the world of sport with the issuance of over ?500m worth of bonds by Manchester United. Though this event has raised the profile of corporate bonds, they have been widely used in the finance sector for decades. Cutting Down Your Debts By : Dian Combass If you''ve entered the new decade in a financial pickle, then it''s time to do something about it. Getting out of debt isn''t always easy, but it''s rarely unsolvable. It may take some time, but all but the worst finances can be sorted out with a handy bit of planning. Dealing With Debt By : Gilberte Aerts In the past debt has been a subject that most people have wanted to keep quiet. Television programmes focussing on individuals who have wracked up a lot of debt seemed fairly critical. Post-recession, however, large numbers of people have found themselves heavily in the red through no fault of their own. Getting the Fundamentals By : Cierra Olshefski If you''re thinking about getting into spread betting or CFD trading the first thing that you have to do is decide why you want to trade. Are you going to be a long term investor? Will you be using spread betting to back up your current shares portfolio? Or will you be a day trader and look for relatively quick returns. A Trio of Tips for Spread Betting Beginners By : Cierra Olshefski If you''re looking to invest your money, then long term investing with stocks and bonds with most of your portfolio is a key to success. However, you may want to be more adventurous with a section of your portfolio (around 10%) by opening a spread betting account. Take a look at CMC Markets for spread betting. Be a money saving expert By : Alia Grubman Living through a recession makes even those of us with healthy finances think about what else we could be doing to make ourselves more financially secure; it''s even more important if you don''t manage your money well. The financial crisis has shown that it pays to prudent ? here are some tips to help you get the most out of your money, whether you''ve happily in the black or heading into the red: How to make a million pounds By : Alia Grubman Most people dream of becoming a millionaire, although few people actually achieve it. However, it is not as hard as you might think, as long as you are prepared to be patient and make sacrifices. The trick is to invest your money wisely so that it will earn money for you. Online bank account security By : Alia Grubman Holding a bank account is pretty much an essential part of modern life, with online banking becoming an increasingly popular option. The increasing popularity of internet banking has also seen a concomitant rise in online fraud. Here are some measures to consider to prevent fraudsters accessing your account. Saving Made Easy By : Alia Grubman It''s always good to save for the future, but making the most out of your money can often prove to be a little tricky at times. One of the main problems is that there are a quite bewildering array of savings products available, and many different providers that offer different rates. Financial management for new students By : Alia Grubman The transition from school to university can be a difficult one, as you have to deal with a whole new set of responsibilities. The most important of these responsibilities is that of your finances. Stocks, shares and beyond By : Otha Isiminger The stock market can be an intimidating place. Huge losses make headlines, but barely anyone seems to notice when they recover or grow in the longer term, so it''s no wonder people get worried about their capital. It all seems rather too complicated as well ? so you should just let your pension manager deal with it. When to consider debt consolidation By : Dian Combass If you have found that you have accumulated debt over the last few years you are not alone ? average personal debt in Britain is at a record high. You cannot change the past, but equally you cannot ignore it ? it is time to take stock and take action. Ways to manage your debt By : Dian Combass There are plenty of ways in which you can get into debt. Many people end up with debt problems due to excessive credit card use, over spending, or mismanaging their finances. The recent recession has compounded the problem, causing job losses and income reductions for many people. A teenagers guide to savings By : Milissa Darnstaedt Get a job. There are lots of ways for a teenager to make extra money. Paper rounds are traditional, but there are lots of jobs you can do from the age of 14 and up such as working in shops or cafes on the weekend. Could debt consolidation help you to manage your debt better? By : Dian Combass Before you begin the process of debt consolidation, you should ask yourself whether you really need to consolidate your debt. Are your debts really so out of control that you cannot get on top of them, or are you just looking for an easy fix? Get your kids in the savings habit By : Milissa Darnstaedt It is never too early to get into the savings habit. Even if you only put away a little each month, you can still build up a tidy sum if you stick at it. Encouraging your children to save is good way to instil them with good financial habits, which will serve them very well in the future. Which bank account is right for you? By : Milissa Darnstaedt Having a bank account is a pretty much essential part of modern life. The market for bank accounts is very competitive, and there are a lot of different options out there ? some will suit you better than others. Here are a few things to bear in mind when deciding the best bank account for you. Looking for the right mortgage deal By : Milissa Darnstaedt With a wide range of mortgage options available on the market, it can seem like negotiating your way through a maze when you try to work out which is the best one for you. However if you simply work out what your needs are and start from there, then it is far less complicated for you to shop around and find the kind of mortgage which will be right for you. Comparing the Comparisons By : Alia Grubman The internet has revolutionised the way that we live, and no more so than when it comes to handling our day to day affairs. Nearly everyone who has internet access has online banking in some capacity, and many people do some, if not all, of their shopping online. Saving options discussed By : Milissa Darnstaedt For something as important as your own personal savings and investments, the stakes are so high that it''s easy to be daunted when confronted with a choice to make about what product is best. There are many different types of savings and investments available, but the important question is which is right for you. Whether you''re keen to put something aside for a rainy day or to invest in pursuit of a goal, shopping around will allow you to find an option which meets your needs. Different savings options By : Milissa Darnstaedt Let''s face it, with the Bank of England''s base interest rate being at a record-breaking low of just 0.5%, right now is not the best time to be saving. This rate is so low to help people meet their mortgage repayments and it obviously seems to be working because the number of people in arrears on their mortgage fell by 4% in the last quarter of 2009. A guide to investing in corporate bonds By : Otha Isiminger Corporate bonds are effectively IOU notes that are issued by listed companies looking to raise funds. They almost always have a nominal value of 100GBP, and a fixed interest rate, expressed in currency rather than percentage terms. This interest rate is known as the coupon rate, and it is paid annually. Essential cruise holidays By : Sal Greet The cruise is getting more and more affordable and attractive an option as you get to sail across the ocean from port to port lazing back or taking part in one of the many activities available on board for your pleasure. There are waterslides, cinema''s, gymnasiums, babysitters, kids clubs, basketball courts, and some even having rockclimbing walls. Jobs in the public sector By : Audry Jolie The public sector offers a broad range of careers, ranging from low level administration all the way up to high profile management and leadership roles. For talented and well qualified individuals there is plenty of opportunity for swift promotion, and benefits packages tend to be extremely attractive. If you''re considering a career in the public sector then here are some of the options open to you. Extra Considerations By : Alia Grubman When it comes to bank accounts 34% of the British people think that there is so little difference between the accounts that there isn''t much point changing. With interest rates at an all time low (the rate on the average bank account is just 0.4%) what else can you use to differentiate between accounts? Opening a bank account By : Milissa Darnstaedt With such a wide variety of bank accounts on offer in every high street bank that you visit, it takes seemingly vast effort to find the best possible setup for you and your requirements. By shopping around and taking into account the varying rates of interest and other such benefits that are on offer with different banks and building societies, you''ll be able to make your money work the best possible way for you. Save money by switching mortgages By : Alia Grubman A fixed rate mortgage can be a good solution for people who have perhaps stretched their finances to the limit when buying a home. It ensures that the repayments will not change for a certain period, typically two years, but some lenders are offering fixed terms of up to ten years. High interest savings options By : Alia Grubman Now is not a good time to be saving money. The Bank of England has chosen to keep the base interest rate at the record-breaking low of just 0.5% and although banks aren''t passing this great rate on to mortgage borrowers or people taking out loans, they are using it to keep interest rates on savings low. Current accounts that give you more By : Alia Grubman There can be too much choice in the world. Trying to pick just one current account is a bit like trying to pick your favourite song, ever. There are so many on the market now that many people just stick with what they know. Financial matters discussed By : Alia Grubman When you''re searching for bank accounts and looking around at the deals on offer with different banks, it can be a challenge to find the right one for you. To pick out the best rate and options need not however be such a problematic task. If you take the time to explore the options available from banks such as Alliance A beginners guide to savings By : Alia Grubman There are many reasons to start saving today. It could be that you have a special purchase in mind and you want to start setting money aside in order to make it yours. You might simply wish to increase your financial security by setting up a small nest egg in order to protect yourself in the current economic climate. Managing your finances in the 21st century By : Alia Grubman Could there be a generational shift in our approach to money? The baby-boom years and kids of the 80s are very good at spending, but not so good at saving. Emphasis for us has always been buy now, pay later. Money has been too easy to come by and this over reliance on credit has left us in one hell of a mess. But, there could be change on the horizon. Using a mortgage calculator By : Alia Grubman Although property prices took something of a tumble in the wake of the credit crunch, they are now very much on the way back up, along with interest rates. This, combined with the reluctance of lenders to offer large mortgages to first time buyers, has made it a lot more difficult to get a foot on the property ladder. Making the most of your money By : Alia Grubman In recent years we have seen such significant recession and restructuring in the global economy that the banking system is still recovering, and consumers remain wary with very good reason. When it comes to selecting their current account, most people regard it simply as somewhere to store the money they earn and neglect to consider how much further their money can go. Helping your savings work for you By : Alia Grubman Through recent months and years it has become clear to many of us why it''s so important to make sure we have strong, stable savings in place to ensure we are protected through the rainy days. It is important that we protect our livelihoods, and so it''s vital to search the market to find the best way to do so.