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Search took 0.03 seconds. Search: Posts Made By: Nicholas_B
Forum: General Credit and Finance Discussion 11-28-2011, 01:28 PM
Replies: 3
Views: 14,879
Posted By Nicholas_B
How would you be able to identify who the best...

How would you be able to identify who the best debt management are - do you have a criteria to choose from?
Forum: Loans, Mortgages and Consolidations 11-28-2011, 01:19 PM
Replies: 6
Views: 9,748
Posted By Nicholas_B
This is great - just a quick question is it...

This is great - just a quick question is it possible to get a mortgage if you have a poor credit rating and of not then where can i get one from?
Forum: Loans, Mortgages and Consolidations 11-28-2011, 01:16 PM
Replies: 6
Views: 25,650
Posted By Nicholas_B
This is great although i think that you should...

This is great although i think that you should also mention that payday loans can be really dangerous so just let people know what it entails as all i do know id that the interest rate can be...
Forum: Loans, Mortgages and Consolidations 11-28-2011, 01:10 PM
Replies: 2
Views: 4,796
Posted By Nicholas_B
This was great - what else could you recommend on...

This was great - what else could you recommend on how to choose the best bank in terms of refinancing?
Forum: Loans, Mortgages and Consolidations 11-28-2011, 01:04 PM
Replies: 2
Views: 4,421
Posted By Nicholas_B
i love this post about re-financing because i...

i love this post about re-financing because i recently had to do this in order to have some home improvements done - there are some things that you've mentioned that i wouldn't have known.
Forum: Loans, Mortgages and Consolidations 11-28-2011, 12:48 PM
Replies: 2
Views: 5,593
Posted By Nicholas_B
I really like this post - i think its great that...

I really like this post - i think its great that you have been able to highlight the main benefits of this - thanks :)
Forum: General Credit and Finance Discussion 11-28-2011, 12:46 PM
Replies: 3
Views: 4,780
Posted By Nicholas_B
There are some great points here however i do...

There are some great points here however i do feel that there are others ways to avoid high fees - its just a matter of managing your finances better and trying to regain where you are. its not an...
Forum: General Credit and Finance Discussion 11-28-2011, 12:11 PM
Replies: 1
Views: 3,811
Posted By Nicholas_B
I think that debt management is really good and...

I think that debt management is really good and something that should not be dismissed - it helped me to get to grips with my finances :)
Forum: General Credit and Finance Discussion 11-28-2011, 11:42 AM
Replies: 1
Views: 3,829
Posted By Nicholas_B
For people who don't know what do if they do get...

For people who don't know what do if they do get into debt would be to look at maybe speaking to a debt advisor where they will be honest and be able to offer advice that will allow a solution to be...
Forum: Debt Management 11-28-2011, 11:08 AM
Replies: 2
Views: 24,801
Posted By Nicholas_B
I think that this is really good as people don't...

I think that this is really good as people don't always know what to do - i think that people should definitely take on board some of the information on here.
Forum: Debt Management 11-28-2011, 11:05 AM
Replies: 3
Views: 31,925
Posted By Nicholas_B
There is some really good stuff here however i do...

There is some really good stuff here however i do think that it is always hard for people to do that because it cannot be helped - what would you advise for someone who has got them self in a bad...
Forum: Debt Management 11-28-2011, 10:55 AM
Replies: 3
Views: 32,534
Posted By Nicholas_B
there are some good tips here however some people...

there are some good tips here however some people do need to look into other options before they consider bankruptcy - there are always options such as consolidating debt or even IVA which allows an...
Forum: Credit and Debit Cards 11-28-2011, 10:45 AM
Replies: 9
Views: 31,838
Posted By Nicholas_B
There is some really good information here...

There is some really good information here however if youa re in debt then maybe consider consolidating or IVA as they are great ways to sort it out - if you are unsure then maybe try and seeking...
Forum: Credit and Debit Cards 11-28-2011, 10:36 AM
Replies: 3
Views: 25,063
Posted By Nicholas_B
If you are in debt then maybe try and getting...

If you are in debt then maybe try and getting some advice from the citizens advice bureau - they will be able to direct into the right route.
Forum: Credit and Debit Cards 11-28-2011, 10:13 AM
Replies: 8
Views: 25,852
Posted By Nicholas_B
There are quite a few banks that will offer this...

There are quite a few banks that will offer this to you - you just need to look at what the APR is and what interest and benefits you can get.
Forum: Credit and Debit Cards 11-28-2011, 10:08 AM
Replies: 6
Views: 25,756
Posted By Nicholas_B
What you need to do is to simply cut up the card...

What you need to do is to simply cut up the card - even if you dont use it you can still increase your credit rating - which is always a good thing :)
Forum: Small Business and Marketing 11-01-2011, 06:45 PM
Replies: 2
Views: 6,208
Posted By Nicholas_B
to add to the above comment you also need to look...

to add to the above comment you also need to look at your long term objectives and assess whether or not you not the market in which you are entering has room for growth, otherwise yo might find...
Forum: General Real Estate Discussion 11-01-2011, 06:41 PM
Replies: 4
Views: 13,181
Posted By Nicholas_B
there is potential to generate a lot of money in...

there is potential to generate a lot of money in real estate but you really need to assess the current market - at the moment it is hard to make money in any market so by investing into the market...
Forum: Online Business Discussion 11-01-2011, 06:37 PM
Replies: 2
Views: 4,530
Posted By Nicholas_B
this is great but my friend has recently started...

this is great but my friend has recently started up her own business except she is loads of debt - she is recently consolidated her debts which has worked out great for her- she has had to prove...
Forum: Online Business Discussion 11-01-2011, 06:34 PM
Replies: 5
Views: 6,373
Posted By Nicholas_B
You have made some very valid points! I think...

You have made some very valid points! I think that people should be aware of how successful online advertising can be and that there it can prove to invaluable to the improvement of the business.
Forum: Online Business Discussion 11-01-2011, 06:32 PM
Replies: 9
Views: 11,227
Posted By Nicholas_B
you have listed some really good tips here!...

you have listed some really good tips here! anymore?
Forum: General Discussion and Chat 11-01-2011, 06:29 PM
Replies: 2
Views: 4,332
Posted By Nicholas_B
This is great - and i totally agree that it is...

This is great - and i totally agree that it is more effective to advertise using social media as a tool, however facebook and other social sites are good so to reinforce your platform online it is...
Forum: Loans, Mortgages and Consolidations 11-01-2011, 06:25 PM
Replies: 3
Views: 9,369
Posted By Nicholas_B
personal loans are great but what do I have...

personal loans are great but what do I have really bad debt so banks wont give me a loan - ive gone to a debt advisor and they have given me a repayment plan. Am i able to take this plan to the bank...
Forum: Loans, Mortgages and Consolidations 11-01-2011, 06:24 PM
Replies: 3
Views: 8,080
Posted By Nicholas_B
payday loans are good if you know that you will...

payday loans are good if you know that you will be able to repay it back but what happens if, (like me) you dont have a job? Will I still be able to get one?
Forum: Loans, Mortgages and Consolidations 11-01-2011, 06:22 PM
Replies: 8
Views: 9,234
Posted By Nicholas_B
you have mentioned some really good things here...

you have mentioned some really good things here but what to do you suggest if you have tried everything to get credit rating up but its not working? My friend has really bad and doesnt know what to...
Forum: Loans, Mortgages and Consolidations 11-01-2011, 06:19 PM
Replies: 2
Views: 8,076
Posted By Nicholas_B
you have mentioned some great things here however...

you have mentioned some great things here however there also another solution such as IVA - there really good and can definitely get things sorted financially, you just need to go and speak to a...
Forum: Loans, Mortgages and Consolidations 11-01-2011, 05:54 PM
Replies: 2
Views: 5,191
Posted By Nicholas_B
go and speak to your bank to see what they can...

go and speak to your bank to see what they can offer you - if needs be then shop around for the best deal ( the loan with the smallest interest)
Forum: Loans, Mortgages and Consolidations 11-01-2011, 05:51 PM
Replies: 3
Views: 6,773
Posted By Nicholas_B
there are ways of getting cash quick but the...

there are ways of getting cash quick but the interest on them is through the roof! You dont want to get one if you cant pay it back otherwise you will get yourself into all kinds of bother. my advice...
Forum: Loans, Mortgages and Consolidations 11-01-2011, 05:44 PM
Replies: 5
Views: 6,794
Posted By Nicholas_B
The best way to go about this is to ensure that...

The best way to go about this is to ensure that you have good credit rating for starters and to maintain this. I would suggest to increase your credit rating by getting cards out but then cutting...
Forum: General Credit and Finance Discussion 11-01-2011, 05:41 PM
Replies: 1
Views: 5,109
Posted By Nicholas_B
The best way to increase your credit rating is to...

The best way to increase your credit rating is to first assess what your score is? Experian is a good place to start. Once you have established where you stand go and speak to your bank where they...
Forum: Debt Management 11-01-2011, 05:38 PM
Replies: 3
Views: 25,863
Posted By Nicholas_B
Just a thought- have you thought about contacting...

Just a thought- have you thought about contacting the agencies that you owe money to? They might be able to suggest to you as to how you could increase your credit rating.
Forum: Loans, Mortgages and Consolidations 10-16-2011, 06:35 AM
Replies: 4
Views: 7,288
Posted By Nicholas_B
There are some good pieces of advice here! I...

There are some good pieces of advice here! I think it is important that people should be aware that not always does bad debt mean bad credit- in terms of debt consolidation I thin it is important...
Forum: Debt Management 10-16-2011, 06:31 AM
Replies: 5
Views: 31,563
Posted By Nicholas_B
You have given some good tips here- i would like...

You have given some good tips here- i would like to add that people should go and speak to a debt advisor or to speak t the citizens advice bureau as they will be able to help - I would also suggest...
Forum: Debt Management 10-16-2011, 06:29 AM
Replies: 2
Views: 23,925
Posted By Nicholas_B
first place to start is either with a debt...

first place to start is either with a debt advisor or going to the citizen advice bureau. If you feel that you don't get far with that then maybe consider researching on the net some debt businesses...
Forum: Debt Management 10-16-2011, 06:27 AM
Replies: 7
Views: 27,314
Posted By Nicholas_B
This will all depend on whether your poor credit...

This will all depend on whether your poor credit rating stems from bad debt? If it does then you need to start thinking about how you are going to clear this - there are plenty of options open to you...
Forum: Loans, Mortgages and Consolidations 10-16-2011, 06:24 AM
Replies: 2
Views: 7,523
Posted By Nicholas_B
There are some good pieces of advice here! I...

There are some good pieces of advice here! I think it is important that people should be aware that not always does bad debt mean bad credit- in terms of debt consolidation I thin it is important...
Forum: Loans, Mortgages and Consolidations 10-16-2011, 06:20 AM
Replies: 2
Views: 24,718
Posted By Nicholas_B
You have given some good tips here- i would like...

You have given some good tips here- i would like to add that people should go and speak to a debt advisor or to speak t the citizens advice bureau as they will be able to help - I would also suggest...
Forum: Loans, Mortgages and Consolidations 10-16-2011, 06:17 AM
Replies: 1
Views: 6,835
Posted By Nicholas_B
I advised my friend to go to a debt company where...

I advised my friend to go to a debt company where they would be able to advise on not only his business debt but his household debt as well. They had suggested 2 options for him- debt consolidation...
Forum: Debt Management 10-16-2011, 06:13 AM
Replies: 2
Views: 23,721
Posted By Nicholas_B
A debt plan can differ depending on your...

A debt plan can differ depending on your financial situation- it is important that there the plan advised for you is suitable and takes into consideration the lifestyle that you lead. Before you...
Forum: Debt Management 10-16-2011, 06:10 AM
Replies: 3
Views: 5,291
Posted By Nicholas_B
If you are however in debt then consider going to...

If you are however in debt then consider going to a company that will be able to help give advice on how you will be able to manage this debt or give advice on how you can consolidate your debt. If...
Forum: Debt Management 10-16-2011, 06:02 AM
Replies: 1
Views: 4,097
Posted By Nicholas_B
The problem with not paying them back is that it...

The problem with not paying them back is that it will continue to build up- i know you are really struggling but you need to start in order to gain your life back- there are loads of people that can...
Forum: Credit and Debit Cards 10-16-2011, 05:57 AM
Replies: 5
Views: 25,878
Posted By Nicholas_B
Just be careful when taking out a student credit...

Just be careful when taking out a student credit card- I know someone who took one out and didn't really understand the terms and condition's of this card and they were paying copious amount of...
Forum: General Discussion and Chat 10-16-2011, 05:52 AM
Replies: 3
Views: 5,083
Posted By Nicholas_B
I'm not sure whether you have any debt or not -...

I'm not sure whether you have any debt or not - but if you do then the first thing you should do is assess how much debt you have and how you will need to manage this by either speaking to a debt...
Forum: General Credit and Finance Discussion 10-16-2011, 05:42 AM
Replies: 5
Views: 14,939
Posted By Nicholas_B
I think that the best way to reduce your debt is...

I think that the best way to reduce your debt is to understand what debt you have got yourself into - this could be by speaking to a debt advisor or by visiting your citizen advice bureau so they can...
Forum: Loans, Mortgages and Consolidations 10-16-2011, 05:39 AM
Replies: 1
Views: 7,794
Posted By Nicholas_B
I agree with this however I do think that there...

I agree with this however I do think that there are other ways in which people can approach this as this may not work for everyone- for example IVA debt management plan or even speaking to a debt...
Forum: Loans, Mortgages and Consolidations 10-16-2011, 05:33 AM
Replies: 4
Views: 10,088
Posted By Nicholas_B
There are so many sites available that can help...

There are so many sites available that can help you so if you are unsure and not many of your friends or familay have visited them then go and speak to the citizen advice bureau and they will be able...
Forum: Loans, Mortgages and Consolidations 09-08-2011, 07:47 AM
Replies: 4
Views: 10,088
Posted By Nicholas_B
I agree these posts are evry good and debt...

I agree these posts are evry good and debt consolidation can be a very good idea for some people all depending on their level of debt, income and current repayments, but lower monthly repayments are...
Forum: Debt Management 09-07-2011, 03:17 PM
Replies: 3
Views: 27,595
Posted By Nicholas_B
Bankruptcy is a severe last resort if you are in...

Bankruptcy is a severe last resort if you are in serious debt, and no other debt solution such as an IVA or Debt Management Plan can save you from going bankrupt.

Subject to certain exemptions,...
Forum: General Real Estate Discussion 09-05-2011, 04:51 PM
Replies: 6
Views: 14,286
Posted By Nicholas_B
What are real estate mortgages?

The real estate definition with regards to the UK (from trishaltbr), is different; you can still own a property and not the land, this is quite common and land rates need to be paid. The owner of the...
Forum: Small Business and Marketing 09-05-2011, 04:43 PM
Replies: 1
Views: 6,049
Posted By Nicholas_B
A day care business would be a good venture to...

A day care business would be a good venture to enter, with more and more people working longer hours to make end meat, day care requirement are important. The important balance is to have a good...
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