Just recently we had a baby nappy lotion which was said to smooth the face and did brisk business for a few days before it pertered out; before that there was that stuff which resembled egg white which formed a film on the face and cost over eighty dollars. So popular that it sold for hundreds on Ebay. Let me advise you. If you want to buy an anti wrinkle cream and want to find out which one will work and which one will simply empty your wallet then follow that link and read the reviews first.

It’s updated frequently.

How would they cope with things like the mortgage, debts, education…even the smaller things like a vacation if your salary was no longer there? we tend to insure readily the important things in our lives, the material things such as our car, furniture, home…but what about US ?

A life insurance policy is not just a form of security for your family should the unthinkable happen unexpectedly; it is a sign that you think ahead to the future. A good policy can cost as little as one dollar to cover you for as much as $50,000 - that is pretty cheap life insurance when you think about it.

I’ll bet you have made a will to ensure loose ends are tied after you are gone - but how about your family and their financial needs? this is something well worth looking at.

It’s no wonder that the payday loan companies are doing a roaring trade right now; being a relatively new and alternative form of borrowing they obviously suit the circumstances of the average person. You borrow a small amount - up to £750 - no more than that though, and the repayment is debited via your bank account either at the end of a fortnight or a month. The concept of payday loans is not original, being kind of based upon the principals of the pawnbroker, but the interest is usually lower and you can only borrow a relatively small amount of cash and the loan is ’set’ for a short period of time.

One thing though - you really need to be disciplined when opting for this as you could find yourself in the position of needing to defer your repayment. In this case you face additional charges and not only that, but you could find yourself trapped in a nasty cycle. However having said that, if you need a quick loan for an emergency and have your head screwed on right you might find them to be an easy option.

He got standed in Hamburg, Germany.  We needed to reorganise his flight and could not have done this had he been solely reliant on a few coins in a phone box. Consider though that most phone booths do not accept coins these days - a phone card, indeed, international calling cards are really the way to go now if you or your loved ones are travelling abroad.

Don’t risk it. You always need to be able to make a phonecall no matter where you are in the world.

Those people who basically live off their credit cards are especially hard hit with those companies offering credit counselling and bad credit credit cards doing bigger business than ever before. Not too long ago once your access to credit was pulled that was basically ‘it’ as far as getting another credit card. It just goes to show how times have changed that there is now an alternative way around such a situation.

But do you really need an Automobile Extende Warranty? think about it…look at what your warranty covers and then consider what happens in the normal course of wear and tear of using a car.  Most problems do not occur until after the usual warranty period expires - this is when you will wish you had purchased one.

But do you really need an Automobile Extende Warranty? think about it…look at what your warranty covers and then consider what happens in the normal course of wear and tear of using a car.  Most problems do not occur until after the usual warranty period expires - this is when you will wish you had purchased one.

The saved and then bought; today we save but usually towards a deposit on what it is we wish to buy. For the larger purchases that is. For the smaller things in life, such as furniture and holidays, the way to go is through Personal Loans. This is not a growing trend as such, but rather the established way.

How many of us have said to ourselves…Oh I don’t have the money to renew the policy this month - I’ll take care of it next month. I’ll remember to do so. No Worries!…

Only to drive the car down to the local supermarket and for some reason or another side-swipe the car beside you whilst parking - or have that elderly person scrape your car because they never saw you there. It has happened to me and I will bet it has happened to so many of you. Personally, I feel that insurance and fate go hand in hand with each other. Forget one and the other is only too happy to remind you of the consequences. 

We discovered that house insurance can be your best friend when on just one occasion the bath upstairs overflowed; water seeping through the ceiling and down the walls as a result.  Our fault I admit. But our house insurance came to the rescue and not only fitted us with a new bathroom but re-painted the downstairs room and to our liking!

And then there was the time last year when, whilst we were moving the washing-machine from the third floor down to the ground level during which time it fell down a flight of stairs and got damaged beyond repair, the insurance came to the rescue and replaced it! and don’t even get me started on the necessity for Business Insurance…

Just consider if you do have a business…theft, water damage, electrical failure…the things that can happen that may never enter your mind but do as soon as you let your guard down.

The thing is…don’t!.

I blame two factors; the banks and the real estate industry. Estate agents and banks have conspired to spoil the house-buying party over the past few years. If the banks will lend it, the agents can charge it. Simple. Until it all goes wrong, and it has done so often. So here’s hoping that when these professions get their own houses back in order, and common sense returns, houses will become affordable again. But who can see this happening in the near future? Access to affordable mortgages for those wanting to buy and live in their own home should not become an impossible dream.

As it has been the norm for a child to inherit his/her parents house in the past people were content to wait years. They rented and saved then moved into Mum and Dads house. Now they rent and save and find it difficult to do anything else; the problem is on retirement - having enough money to keep paying that rent or be able to buy that house. 

I would say that mortgage brokers are having a field day right now as potential housebuyers are lining up to grab what is left at the cheaper end of the mortgage market and there are still good deals to be found. It pays to get an expert to do the legwork for you though - saves you heaps of time and gets you the best deal around. You have to live with the results for many years afterwards!