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What Are the Basic Differences Between Cash ISAs and Share ISAs Article By : Wilber Frullate Do you know what the basic differences between Cash ISAs and Share ISAs are? One difference relates to the amount of money that you may invest while another pertains to the type of product you invest in. Want to know more? What Are Individual Savings Accounts Article By : Wilber Frullate If you are a resident of the United Kingdom you have access to a unique form of personal savings known as the Individual Savings Account or ISA. This flexible account allows individuals to put money aside for savings and investing, and it also provides some favourable tax treatment as well. The Goods and Bads of ISA's Article By : Wilber Frullate An Individual Savings Account (ISA) has two strands: the cash ISA that allows you to save up to ?3,600 per tax year; and the stocks and shares ISA that allows you to save up to ?7,200 per tax year. The ISA offers a way to save without having the interest eaten up by the taxman. However, there are certain downsides attached to this, and you cannot save unlimited amounts of cash in an ISA. This article looks at some of the pros and cons of stashing your savings in an ISA. Student debt recovery to increase Article By : Sunny Wagnor One of the more worrying impacts of the current recession is the sudden increase on debtors collecting outstanding sums, especially concerning the Student Loan Company (SLC), known by anyone who has attended further education as the channel by which you will have received your tuition and maintenance loans. Tackling seasonal debt Article By : Sunny Wagnor Although the term 'credit crunch' is perhaps overused at the moment, it is important to remember, especially with the Christmas and New Year period approaching, that any excessive, credit-based spending is almost certainly ill-advised. It is easy, however, for consumers to feel that this is the only way of getting through the season, a fallacy which needs to be tackled. Banks and lenders to reduce reckless borrowing Article By : Sunny Wagnor Banks and mortgage lenders are to be forced into becoming more responsible for assessing a borrower's ability to repay a loan under new plans being proposed by the FSA. Sub-prime mortgages drove us into a global recession, so this move has been widely welcomed. Christmas in the Credit Crunch Article By : Sunny Wagnor That's right, it's going to be another Christmas of compromise. A Christmas constricted by the current state of our finances, still struggling against the credit crunch. Getting to grip with debt By : Catrice Schuepfer Most of us owe money to someone in some shape or form. Mortgages, for the vast majority of people are unavoidable, but like other developed nations, our dependence upon credit cards and unsecured loans reached catastrophic levels in 2008 when sub-prime mortgage lending in the US caused global financial meltdown. What lenders know about you By : Sunny Wagnor In order to decide who to lend money to, lenders have to base their decisions upon the information that they have regarding a particular applicant. Here is a short guide to the kind of information that they have access to, and some tips on how to access this information for your own reference. A simple guide to debt management By : Sunny Wagnor There's nothing more stressful than finding yourself with debt that is seemingly impossible to pay off ? but if you're in financial straits then don't despair. There are many ways of managing your liability and working towards a new, debt-free lifestyle. Stocks and Shares ISAs By : Wilber Frullate When ISAs were created over a decade ago they were an immediate success. The ability to save your money away in a place where it didn''t have to be taxed made them very popular and they remain one of the principal forms of saving to this day. Options for saving By : Wilber Frullate 2009''s third quarter saw the average UK household save 8.6% of its income, which was the highest level for any quarter in a decade. Disappointingly however the saving streak didn''t last long. Nationwide''s recent survey found that consumer saving was down in December 2009. Investing in Debt By : Wilber Frullate Each financial year the ISA allowance rolls over, meaning that if you haven''t invested the full amount by the start of April, you lose the possibility to do so. At present the allowance is ?7,200 for the under-50s of which half can be made up in cash and the rest in stocks and shares options. Planning Ahead By : Wilber Frullate None of us enjoy contemplating the end of our lives. For many of us, however, it is simply an essential part of taking responsibility for the loved ones who depend upon us for their basic needs and their livelihood. 1.1 An overview of savings accounts By : Shaneka Baronne Savings accounts are designed to offer a safe place to keep money that you do not need to immediately or frequently access. Savings accounts traditionally offer a higher rate of interest than current or checking accounts can offer. Thinking about money By : Shaneka Baronne It will not comes as a surprise to you to learn that for the past two years thing haven''t been going what you would call ?brilliantly? in the financial markets. Ever since the credit crunch of 2008, which is starting to feel like ancient history for all the wrong reasons, we have been in rather a bind whenever the economy is brought up. Thinking about savings By : Shaneka Baronne The economy, while recovering, is not exactly in the best of shape. Where once only a few years ago we were measuring growth in nice big full digits with no 0''s in sight, now we are making a song and dance if we even get into single integers. A 0.1% growth for a quarter is still pretty laughable no matter which way you look at it. Time to get saving By : Thanh Keiger The fashion is to spend, so if you want to go against the grain and save some cash you''re facing some rather large obstacles. Back in January when we were all making New Year''s resolutions to quit smoking, do more exercise and save instead of spend, the media claimed we were turning into a nation of savers. But now, as per usual, we are less resolute about our resolutions, now that we are four months or so into 2010. Savings options simplified By : Thanh Keiger With the experience of the past few years proving how fragile our economic system and our own individual livelihoods truly are, more and more people have come to appreciate the importance of protecting their money in the form of savings and investments. Keeping control of your finances By : Thanh Keiger To make sure your hard-earned money is not just being stored away in your current account, but rather is made to work hard and benefit from a good rate of interest, it is always a good idea to look around at the kind of accounts banks offer to see which will be best for you. Take a proactive approach to your car insurance quote By : Francesco Mazzacano For most vehicle owners the routine search for car insurance is one that more often than not is approached with trepidation. Indeed, whilst covering your vehicle certainly guarantees peace of mind for you and your family, finding the best deal for your motor often proves to be something of a headache. Tips for finding Manchester Student Accommodation By : Dillon Dumouchel Finding good student digs can be something of a trial in any city, let alone one with as big a student population as the buzzing northern city of Manchester. Not only is Manchester home to two expansive and popular universities - The University of Manchester and Manchester Metropolitan - it also plays host to a number of prestigious arts colleges, vocational colleges and other forms of higher education establishments.

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