Archive for January 2009


where can i get an unsecured personal loan if my credit rating is bad?

January 31st, 2009 — 03:38 pm
personal loan
mackayc23 asked:


I am having trouble paying some of my debts at the moment and i urgently require an unsecured personal loan. I have been rejected from my bank due to my credit rating. I would need in the region of £2000 – £5000. I appreciate the current financial situation and that the interest will be high. Please help guys…. who can i get a loan from???

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2 comments » | Personal Finance

Mortgage?

January 31st, 2009 — 03:20 am
mortgage
tyson asked:


we are looking to get a mortgage, my husband is self employed and on a good income which is provable, i work part time so don’t get alot so i know my wages wont be included. where is the best place to go for a mortgage when you are self employed? and has any one out there got a self cert mortgage can you give me any info on them?
Many Thanks

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12 comments » | Renting Real Estate

How are monthly student loan repayments calculated in the UK?

January 30th, 2009 — 10:03 am
repayments
Tim asked:


Next month I have a pay increase and would like to know how much my student loan repayments will go up by. How can I calculate this?

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Comment » | United Kingdom

Features Of A Simple To Use Portable Greenhouse

January 30th, 2009 — 08:19 am

There are a number of related benefits as to why people or families would desire to produce their own vegetables.  Many of those gains would include a safety factor from knowing how the food was grown.  In addition, it may be cheaper.

Also, in order to draw out the growing season or perhaps get an {early} beginning on a growth season, one might like to invest in a portable greenhouse.  If so, there are certain characteristics that a portable greenhouse should contain.  Those features should include the type of covering, simplicity of assembly and storage.

Portable Greenhouse Cover

A portable garden greenhouse is a structure that is obtainable on the marketplace and is contrived for those who enjoy gardening.  It literally is a structure that keeps a conducive environment for the growth of plants.  Specifically, it maintains the correct temperature, keeps the plants safe from hurtful factors such as the wind and holds the right humidity.

To see to it that the portable greenhouse provides these essential operations, it is crucial that the cover of the portable greenhouse be well constructed. Therefore, there are particular qualities to the roof that needs to be incorporated.

You should be concerned with the quality of the materials that the cover is made from. In General, the cover should be durable, provide for light to come through, offer UV protection and lessen condensation. There should also be windows and screens built into the cover

In addition, the windowpanes and the doorways should have the option of being fixed. Ofttimes this can be accomplised through lightweight fasteners.

Ease Of Assembly

Another important choice to regard when selecting a movable greenhouse kit is the ease in which the movable greenhouse can be assembled.  For example many portable greenhouses can be removed from the transport cartons and put together quickly.  Normally, this process takes less than one hour and requires no tools. 

Some Other easy movable greenhouse kits simply require the unit to be removed from the box and erected by only pulling up on the frame.  Once in place a bar that steadies the unit is positioned suitably.  Once the frame is in place the cover is then draped over the frame.

Ease Of Storage

A factor that you will also want to consider is storage for the portable greenhouse when you are not using it.  Considerations in regards to ease of storage should include the compact size once the unit is taken down and how much space is required for its storage. 

Often movable units can simply be tore down by removing the stabilizing bar and pressing down any jimmies to grant the unit to collapse.  Additionally, these units simply are inserted in the durable cover which can act like a storage bag.

Read more on indoor greenhouses

Comment » | Home Improvement

Can I sue my bank for not lowering my mortgage repayments in line with interest rate drops?

January 30th, 2009 — 07:35 am
repayments
quornsam asked:


Today the Bank Of England are deciding what to do with interest rates again. From news reports I hear that it may remain unchanged. However, in the last year there have been plenty of interest rate cuts.

What concerns me, is that my mortgage provider is not cutting my mortgage rate by the same amount? Sometimes not at all.

I am hearing more and more complaints about this, and think something should be done to prevent the banks using another way to rip us off.

This is surely unlawful?

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7 comments » | Personal Finance

Any advice on getting a business loan for a start up?

January 29th, 2009 — 09:18 pm
loan
Alexxy asked:


I have been working on my business plan and i am almost all set. But now i am worried about trying to get a bank loan. I quit my job because i wanted to concentrate on my business and because it wasnt for me. But now i have no income and no real assets. I am only 24 and have no real savings or anything. Will banks even concider me for a loan even though my business plan is really good?

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4 comments » | Small Business

How can I get out of debt without IVA or bankruptcy if no-one will lend the money to consolidate ?

January 29th, 2009 — 08:36 am
debt
Steggabunny asked:


I am a single working parent trying to stay afloat. I have been left with all my ex partners debt and can’t get a loan to consolidate as I am over committed even though this would save me a fortune. I haven’t missed any payments yet but am living on a pittance. Any advice please?? I work in a bank so IVA’s and voluntary arrangements etc would result in losing my job.

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9 comments » | Personal Finance

Is it true that Iman has gone Bankrupt the model and makeup creator?

January 28th, 2009 — 03:39 am
bankrupt
☆88Angel♥*´`*•.¸ asked:


I have recently herd that Iman has gone bankrupt meaning she wont be selling make-up in the Uk.

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2 comments » | Makeup

Before setting off for a holiday in Egypt or Dubai…read this!

January 25th, 2009 — 10:34 am

Planning a trip to Dubai or Egypt this year? Abandoning the usual Spanish holiday resorts and the Canaries for a destination you have never been to before? Good for you! Travel really does broaden the mind and it certainly doesn’t hurt to learn about the customs and ways of life of other countries.

New rule books and codes of customs to observe, you may not be too surprised to hear that some countries have different ideas of what constitutes appropriate behaviour! According to the article “These smoking hot travel tips could save your bacon!” picking up the Rule Book before you set off could turn out to be a life-saver! Kissing in public is illegal in Dubai and you could get arrested for carrying your daily medication. Cover up your arms ladies when visiting the marketplaces or souks and mosques, no matter how hot it gets. Revealing your legs or arms can be seen as a sign of disrespect and will attract the worst kind of attention! Buy a guidebook before you set off for these complicated countries and contact the British Foreign Office for advice.

Comment » | Air Travel, Insurance, Other - Holidays, United Kingdom

How can I get a start-up Loan using the government’s Loan Guarantee scheme?

January 25th, 2009 — 10:29 am
loan
mcfredex asked:


Alternatively, what do I do if I want a loan from £100,000, without security?

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4 comments » | Small Business

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