Article03.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
A new `No Win No Fee` tax refund service has just been launched by Greer & Taylor LLP on a dedicated new website
The Taxation People which can be found at www.thetaxationpeople.com where you can find out all the infomation need before making the decision to apply for a tax refund.
The Taxation People offer a cost effective `No Win No Fee` online service, with a simple and easy to follow process they will guide every step of the way as you apply for a the refund.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who is moving to provide a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
Since we all know that there are virtually as many different credit card companies as there are stars in the sky, finding the one that works best for you and your needs can be a bit tricky. All credit card offers will come complete with a list of features that are supposedly exclusive to that card. In actuality, most of the cards offer about the same set of features with a slight variation. All will mention the APR and knowing what and how that works is vital.
APR stands for "Annual Percentage Rate". It is the amount of money that you will pay, expressed as a percentage, for the privilege of charging purchases and carrying a balance.
The All Important APR
This is a biggie. The APR can drastically change your ability to pay off your card, particularly if you carry a balance. The APR attached to the credit card can vary not just from card to card but also from how and what you purchase.
If you are looking to obtain a cash advance on your card, be aware that the APR here will usually be the highest. The APR for purchases is usually right on it`s tail, though. For example, for a cash advance of $200.00 the APR may be as high as 23%. This is a whopping amount of interest to pay on a relatively small amount of money. For purchases, however, the APR may be more like 19%. Still pretty high for the convenience of not using cash. That`s why it`s usually best to use credit cards for emergencies or for purchases that you intend to pay for in full at the end of the month.
APR`s can also vary according to how much of a balance you carry on your card. These are called tired APR`s because the APR depends upon which balance tier you are at on any given month. For example, a balance of $0-$2,000 may be subject to an APR of 14% while a balance of more than $2,000 has an interest rate of 18%. Again, it pays to keep your balance lower on these types of cards.
Then there`s the penalty APR. This happens when you make late payments regularly (meaning more than once in credit card lingo). Your APR can be raised and will affect your entire balance. Moral: Make your payments on time.
The most popular marketing tool used today by the card companies is the introductory APR. This is a significantly lower interest rate on transferred balances and purchases made during the said introductory period. This is beneficial if you carry a high balance on another card at a high APR and can transfer your balance, giving you the opportunity to put more of a dent in that balance during the intro period.
One thing to look out for, though, is the future APR (or delayed APR) that kicks in when the lower rate expires. This rate can be significantly higher than the intro rate they are offering.
So remember, pay attention to the APR and know what rate will come into play for the card you are looking at. Make your choice wisely and be cautious!
