Author: Charles Michel

The proposed self-service bankruptcy petition, that would allow individuals to fill out the necessary forms and file for bankruptcy online, continues to gather momentum amid growing concerns that making such a serious debt solution so easy will be ultimately damaging. It has been prompted by the increasing pressure on the courts caused by the every growing number of bankruptcy petitions. Ultimately, the proposal is still in the consultation stage but industry leader Harrington Brooks is warning against too bullish an approach to bankruptcy. Making the process quicker and more affordable is an understandable concern. Those facing this severe debt solution…

Pet health insurance has become immensely more popular since it first appeared on the market some decades ago. Many more people who care for pets are deciding to get pet insurance, and some companies are even now luring top performers with promises of free or reduced insurance premiums.

The following list isn’t a list of New Year resolutions for pets. No, pets are saints and do no wrong. Rather, this list is a list of things we – pets included – wish animal owners and governments around the world could do right.

As a student, your personal finance can be a difficult subject to master. On one hand, you have your studies to worry about. With this, there is a need for books and materials, a premium on your time due to classes and homework commitments and an overriding need for concentration on your studies as top priority. On the other hand, there is a student lifestyle of socialising and self sufficiency that is also extremely important to your growth and development. Basically, you want to study, work and have fun and something has got to give.

Servicing your boiler on a regular basis not only ensures that it is working safely and effectively, it can also save you time and money in the long run.

The Baxi Ecogen Boiler has been introduced as an innovative alternative to a conventional boiler, saving you more money in the long run, and decreasing your carbon footprint as well.

There are many things to consider when buying a new boiler so it may be a good idea to talk to a qualified person. The average boiler lasts for about 15 years. The best type of boiler should improve your heating controls, cut the amount of carbon dioxide and save you money. You could save up to £250 a year by installing an energy-efficient boiler.

The UK’s new tax rates will take effect from April 2010. Don’t panic though – for the vast majority of us, they will have no bearing whatsoever. The changes to the amount of tax that you pay will only affect those whose yearly income is more than £100,000. This year’s pre-budget report said there are plans to increase National Insurance contributions by 0.5% as of April next year but this is to coincide with an increase in the NI threshold. So, those on lower salaries won’t be negatively affected. In fact, the new tax brackets’ effect on those suffering debt problems…

If that’s a question you’re considering, the answer is yes. After all, there is no need to be intimidated by the concept of debt advice. If you’re facing the burden of mounting debt or simply feel that the situation might just be running away with you and getting hard to manage, you have absolutely nothing to lose by seeking out impartial, professional debt advice. There are many companies that offer free, unbiased and objective debt advice to anyone who feels their situation warrants it. In fact, simply asking for advice can quickly put your mind at ease by highlighting that…

Staying on top of your debt is a lot easier if you seek out professional debt advice early. The sooner you face up to the burden of mounting debt, the greater your chances are of being able to find a debt solution that can free you from debt while helping you to avoid filing for bankruptcy. For those with more serious debt problems, that is, those with more than £15,000 worth of unsecured debt between three or more creditors, there is only one real alternative to bankruptcy. The Individual Voluntary Arrangement (IVA) can free you of debt, allowing you to…