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Current First Tech Mortgage Rates Review | Mortgage Products and More blue-arrow-1-graphicblue-arrow-2-graphicwatch-white-iconyoutube-play-iconyoutube-sticky-hover-iconyoutube-sticky-icongraphic-arrow-iconmagic-iconwallet-iconmastermind-white-iconon-and-on-white-iconrule-shield-iconmojo-icongfc-white-icontraining-white-iconcouch-iconutencil-iconpeer-lending-white-iconshopping-bag-iconlife-insurance-iconlife-insurance-grayscale-graphictoolbox-iconinvesting-retirement-icontoolbox-grayscale-graphicour-2-pick-graphicmanaging-investments-iconinvesting-retirement-grayscale-graphicbanking-iconbanking-grayscale-iconmanaging-bills-iconlogo-shield-iconpeer-lending-iconmanaging-bills-grayscale-graphictracking-credit-iconour-1-pick-graphiccheckmark-iconpeer-lending-grayscale-graphicdebt-iconmanaging-investments-grayscale-graphictracking-credit-grayscale-graphicour-3-pick-graphicdebt-grayscale-graphicmanaging-bill-icongoogle-sticky-iconlife-insurance-icon2facebook-sticky-iconinvesting-retirement-icon2managing-investments-icon2banking-icon2google-sticky-hover-iconpinterest-sticky-icontwitter-sticky-hover-iconget-out-of-debt-iconquote-iconpinterest-sticky-hover-icontracking-credit-icon2search-gray-iconfacebook-sticky-hover-iconpeer-to-peer-iconauthor-shield-shape-iconfact-icontwitter-sticky-iconandroid-sticky-hover-iconandroid-sticky-iconitunes-sticky-hover-iconitunes-sticky-iconlisten-iconpodcast-white-iconblog-iconblog-white-iconblue-arrow-3-graphicblue-arrow-4-graphicge-stock-iconwrite-roth-ira-iconnut-iconpenny-stock-iconfact-icon2watch-iconsave-more-piggy-iconcalendar-iconopen-roth-iconadvice-iconarticle-1-iconarticle-2-iconarticle-3-iconarticle-4-iconarticle-5-iconarticle-6-iconarticle-7-iconarticle-8-iconarticle-9-iconarticle-10-iconarticle-11-iconarticle-12-iconblog-color-iconbook-iconcent-sign-black-iconcent-sign-white-iconclose-iconfacebook-small-hover-iconfacebook-small-icongoogle-small-hover-icongoogle-small-iconjust-out-of-college-iconnearing-retirement-iconpinterest-iconpinterest-small-hover-iconpodcast-color-iconraising-kids-iconretirement-iconsearch-iconstarting-a-family-icontoolbox-icon2tv-color-icontwitter-small-hover-icontwitter-small-iconjust-out-of-college-plainnearing-retirement-plainraising-kids-plainretirement-plainstarting-a-family-plaintv-color-plainperson-plainstart-arrow-plainblue-arrow-1-plainRead More →

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The drop is down to Ofgem lowering the price cap on standard and default tariffs from £1,254/yr for a typical user, to £1,179/yr. For an average household, this means a likely price cut to bills of £75/yr from Tuesday 1 October, as most suppliers are expected to price within just a few pounds of the new level. This isn’t the maximum you can be charged, though. The price cap sets a limit on the rates you pay for each unit of gas and electricity, so if you use more, you’ll pay more.  However, don’t be fooled – even after this cut, most could still saveRead More →

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Ditech Mortgage Rates Review | Product Ratings for 2019 blue-arrow-1-graphicblue-arrow-2-graphicwatch-white-iconyoutube-play-iconyoutube-sticky-hover-iconyoutube-sticky-icongraphic-arrow-iconmagic-iconwallet-iconmastermind-white-iconon-and-on-white-iconrule-shield-iconmojo-icongfc-white-icontraining-white-iconcouch-iconutencil-iconpeer-lending-white-iconshopping-bag-iconlife-insurance-iconlife-insurance-grayscale-graphictoolbox-iconinvesting-retirement-icontoolbox-grayscale-graphicour-2-pick-graphicmanaging-investments-iconinvesting-retirement-grayscale-graphicbanking-iconbanking-grayscale-iconmanaging-bills-iconlogo-shield-iconpeer-lending-iconmanaging-bills-grayscale-graphictracking-credit-iconour-1-pick-graphiccheckmark-iconpeer-lending-grayscale-graphicdebt-iconmanaging-investments-grayscale-graphictracking-credit-grayscale-graphicour-3-pick-graphicdebt-grayscale-graphicmanaging-bill-icongoogle-sticky-iconlife-insurance-icon2facebook-sticky-iconinvesting-retirement-icon2managing-investments-icon2banking-icon2google-sticky-hover-iconpinterest-sticky-icontwitter-sticky-hover-iconget-out-of-debt-iconquote-iconpinterest-sticky-hover-icontracking-credit-icon2search-gray-iconfacebook-sticky-hover-iconpeer-to-peer-iconauthor-shield-shape-iconfact-icontwitter-sticky-iconandroid-sticky-hover-iconandroid-sticky-iconitunes-sticky-hover-iconitunes-sticky-iconlisten-iconpodcast-white-iconblog-iconblog-white-iconblue-arrow-3-graphicblue-arrow-4-graphicge-stock-iconwrite-roth-ira-iconnut-iconpenny-stock-iconfact-icon2watch-iconsave-more-piggy-iconcalendar-iconopen-roth-iconadvice-iconarticle-1-iconarticle-2-iconarticle-3-iconarticle-4-iconarticle-5-iconarticle-6-iconarticle-7-iconarticle-8-iconarticle-9-iconarticle-10-iconarticle-11-iconarticle-12-iconblog-color-iconbook-iconcent-sign-black-iconcent-sign-white-iconclose-iconfacebook-small-hover-iconfacebook-small-icongoogle-small-hover-icongoogle-small-iconjust-out-of-college-iconnearing-retirement-iconpinterest-iconpinterest-small-hover-iconpodcast-color-iconraising-kids-iconretirement-iconsearch-iconstarting-a-family-icontoolbox-icon2tv-color-icontwitter-small-hover-icontwitter-small-iconjust-out-of-college-plainnearing-retirement-plainraising-kids-plainretirement-plainstarting-a-family-plaintv-color-plainperson-plainstart-arrow-plainblue-arrow-1-plainRead More →

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I’ve got a future Super Break booking – what can I do?  Your options depend on what type of booking you have. If you booked a Super Break holiday through a travel agent, you should contact the agent first.  Booked a Super Break package holiday including a flight?  Package holidays have financial protection if the firm organising your package goes out of business, which means you’re entitled to a refund, or to make arrangements to go on the planned holiday, albeit with a bit of faff. If your package holiday includes a flight it’ll be protected by the official ATOL scheme – you’ll have beenRead More →

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Gate City Bank Mortgage Rates Review | Product Ratings for 2019 blue-arrow-1-graphicblue-arrow-2-graphicwatch-white-iconyoutube-play-iconyoutube-sticky-hover-iconyoutube-sticky-icongraphic-arrow-iconmagic-iconwallet-iconmastermind-white-iconon-and-on-white-iconrule-shield-iconmojo-icongfc-white-icontraining-white-iconcouch-iconutencil-iconpeer-lending-white-iconshopping-bag-iconlife-insurance-iconlife-insurance-grayscale-graphictoolbox-iconinvesting-retirement-icontoolbox-grayscale-graphicour-2-pick-graphicmanaging-investments-iconinvesting-retirement-grayscale-graphicbanking-iconbanking-grayscale-iconmanaging-bills-iconlogo-shield-iconpeer-lending-iconmanaging-bills-grayscale-graphictracking-credit-iconour-1-pick-graphiccheckmark-iconpeer-lending-grayscale-graphicdebt-iconmanaging-investments-grayscale-graphictracking-credit-grayscale-graphicour-3-pick-graphicdebt-grayscale-graphicmanaging-bill-icongoogle-sticky-iconlife-insurance-icon2facebook-sticky-iconinvesting-retirement-icon2managing-investments-icon2banking-icon2google-sticky-hover-iconpinterest-sticky-icontwitter-sticky-hover-iconget-out-of-debt-iconquote-iconpinterest-sticky-hover-icontracking-credit-icon2search-gray-iconfacebook-sticky-hover-iconpeer-to-peer-iconauthor-shield-shape-iconfact-icontwitter-sticky-iconandroid-sticky-hover-iconandroid-sticky-iconitunes-sticky-hover-iconitunes-sticky-iconlisten-iconpodcast-white-iconblog-iconblog-white-iconblue-arrow-3-graphicblue-arrow-4-graphicge-stock-iconwrite-roth-ira-iconnut-iconpenny-stock-iconfact-icon2watch-iconsave-more-piggy-iconcalendar-iconopen-roth-iconadvice-iconarticle-1-iconarticle-2-iconarticle-3-iconarticle-4-iconarticle-5-iconarticle-6-iconarticle-7-iconarticle-8-iconarticle-9-iconarticle-10-iconarticle-11-iconarticle-12-iconblog-color-iconbook-iconcent-sign-black-iconcent-sign-white-iconclose-iconfacebook-small-hover-iconfacebook-small-icongoogle-small-hover-icongoogle-small-iconjust-out-of-college-iconnearing-retirement-iconpinterest-iconpinterest-small-hover-iconpodcast-color-iconraising-kids-iconretirement-iconsearch-iconstarting-a-family-icontoolbox-icon2tv-color-icontwitter-small-hover-icontwitter-small-iconjust-out-of-college-plainnearing-retirement-plainraising-kids-plainretirement-plainstarting-a-family-plaintv-color-plainperson-plainstart-arrow-plainblue-arrow-1-plainRead More →

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I’ve been overcharged – what can I do? Giffgaff says it’s already paid back any overcharged customers whose records it held between June 2016 to June 2018.    It says it’s been trying to contact customers who have left Giffgaff to give them a refund, but if you haven’t heard anything you can check whether you’re owed using its web tool.  Giffgaff also says there are 1.4 million customers who haven’t been refunded for the period between May 2011 and May 2016, because it no longer holds their records. Their refunds, worth over £750,000, will be donated to charity.  But if you think you’ve been overchargedRead More →

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The Basics of Asset Protection Planning – The Rules You Need To Know – Good Financial Cents® blue-arrow-1-graphicblue-arrow-2-graphicwatch-white-iconyoutube-play-iconyoutube-sticky-hover-iconyoutube-sticky-icongraphic-arrow-iconmagic-iconwallet-iconmastermind-white-iconon-and-on-white-iconrule-shield-iconmojo-icongfc-white-icontraining-white-iconcouch-iconutencil-iconpeer-lending-white-iconshopping-bag-iconlife-insurance-iconlife-insurance-grayscale-graphictoolbox-iconinvesting-retirement-icontoolbox-grayscale-graphicour-2-pick-graphicmanaging-investments-iconinvesting-retirement-grayscale-graphicbanking-iconbanking-grayscale-iconmanaging-bills-iconlogo-shield-iconpeer-lending-iconmanaging-bills-grayscale-graphictracking-credit-iconour-1-pick-graphiccheckmark-iconpeer-lending-grayscale-graphicdebt-iconmanaging-investments-grayscale-graphictracking-credit-grayscale-graphicour-3-pick-graphicdebt-grayscale-graphicmanaging-bill-icongoogle-sticky-iconlife-insurance-icon2facebook-sticky-iconinvesting-retirement-icon2managing-investments-icon2banking-icon2google-sticky-hover-iconpinterest-sticky-icontwitter-sticky-hover-iconget-out-of-debt-iconquote-iconpinterest-sticky-hover-icontracking-credit-icon2search-gray-iconfacebook-sticky-hover-iconpeer-to-peer-iconauthor-shield-shape-iconfact-icontwitter-sticky-iconandroid-sticky-hover-iconandroid-sticky-iconitunes-sticky-hover-iconitunes-sticky-iconlisten-iconpodcast-white-iconblog-iconblog-white-iconblue-arrow-3-graphicblue-arrow-4-graphicge-stock-iconwrite-roth-ira-iconnut-iconpenny-stock-iconfact-icon2watch-iconsave-more-piggy-iconcalendar-iconopen-roth-iconadvice-iconarticle-1-iconarticle-2-iconarticle-3-iconarticle-4-iconarticle-5-iconarticle-6-iconarticle-7-iconarticle-8-iconarticle-9-iconarticle-10-iconarticle-11-iconarticle-12-iconblog-color-iconbook-iconcent-sign-black-iconcent-sign-white-iconclose-iconfacebook-small-hover-iconfacebook-small-icongoogle-small-hover-icongoogle-small-iconjust-out-of-college-iconnearing-retirement-iconpinterest-iconpinterest-small-hover-iconpodcast-color-iconraising-kids-iconretirement-iconsearch-iconstarting-a-family-icontoolbox-icon2tv-color-icontwitter-small-hover-icontwitter-small-iconjust-out-of-college-plainnearing-retirement-plainraising-kids-plainretirement-plainstarting-a-family-plaintv-color-plainperson-plainstart-arrow-plainblue-arrow-1-plainRead More →

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Figures disclosed by the NHS under the Freedom of Information Act show that 1,042,008 people paid for at least 12 prescription items in the 2018/19 financial year. Each prescription item in England cost £8.80 over this period, meaning each patient shelled out a minimum of £105.60. Yet an NHS prescription prepayment certificate (PPC), which is basically a season ticket for prescriptions and means you pay once and then get free prescriptions for the period covered, costs £104 for 12 months. And on average those who paid for 12 items or more actually bought about 16 items each – meaning the average saving with a certificate wouldRead More →

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Hudson Valley Federal Credit Union (HVFCU) Mortgage Rates Review blue-arrow-1-graphicblue-arrow-2-graphicwatch-white-iconyoutube-play-iconyoutube-sticky-hover-iconyoutube-sticky-icongraphic-arrow-iconmagic-iconwallet-iconmastermind-white-iconon-and-on-white-iconrule-shield-iconmojo-icongfc-white-icontraining-white-iconcouch-iconutencil-iconpeer-lending-white-iconshopping-bag-iconlife-insurance-iconlife-insurance-grayscale-graphictoolbox-iconinvesting-retirement-icontoolbox-grayscale-graphicour-2-pick-graphicmanaging-investments-iconinvesting-retirement-grayscale-graphicbanking-iconbanking-grayscale-iconmanaging-bills-iconlogo-shield-iconpeer-lending-iconmanaging-bills-grayscale-graphictracking-credit-iconour-1-pick-graphiccheckmark-iconpeer-lending-grayscale-graphicdebt-iconmanaging-investments-grayscale-graphictracking-credit-grayscale-graphicour-3-pick-graphicdebt-grayscale-graphicmanaging-bill-icongoogle-sticky-iconlife-insurance-icon2facebook-sticky-iconinvesting-retirement-icon2managing-investments-icon2banking-icon2google-sticky-hover-iconpinterest-sticky-icontwitter-sticky-hover-iconget-out-of-debt-iconquote-iconpinterest-sticky-hover-icontracking-credit-icon2search-gray-iconfacebook-sticky-hover-iconpeer-to-peer-iconauthor-shield-shape-iconfact-icontwitter-sticky-iconandroid-sticky-hover-iconandroid-sticky-iconitunes-sticky-hover-iconitunes-sticky-iconlisten-iconpodcast-white-iconblog-iconblog-white-iconblue-arrow-3-graphicblue-arrow-4-graphicge-stock-iconwrite-roth-ira-iconnut-iconpenny-stock-iconfact-icon2watch-iconsave-more-piggy-iconcalendar-iconopen-roth-iconadvice-iconarticle-1-iconarticle-2-iconarticle-3-iconarticle-4-iconarticle-5-iconarticle-6-iconarticle-7-iconarticle-8-iconarticle-9-iconarticle-10-iconarticle-11-iconarticle-12-iconblog-color-iconbook-iconcent-sign-black-iconcent-sign-white-iconclose-iconfacebook-small-hover-iconfacebook-small-icongoogle-small-hover-icongoogle-small-iconjust-out-of-college-iconnearing-retirement-iconpinterest-iconpinterest-small-hover-iconpodcast-color-iconraising-kids-iconretirement-iconsearch-iconstarting-a-family-icontoolbox-icon2tv-color-icontwitter-small-hover-icontwitter-small-iconjust-out-of-college-plainnearing-retirement-plainraising-kids-plainretirement-plainstarting-a-family-plaintv-color-plainperson-plainstart-arrow-plainblue-arrow-1-plainRead More →

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Transport Focus says that 35% of passengers claimed £81 million for delays in 2017/18, and that up to £100 million is unclaimed every year.  It says in 2017/18 just 39% of eligible passengers claimed compensation for delays of 30 minutes or more, and only 18% for delays of 15 minutes or more. The watchdog found passengers didn’t claim because they didn’t know they could, doubted it was worth it or thought it was too complicated. Transport Focus has now launched a campaign – Make Delay Pay – to encourage more passengers to claim the compensation they’re entitled to. See our Train Delays guide for how to claim onlineRead More →