October 2008 - Product Reviews

Unsecured Loans - Unsecured Personal Bad Credit Loan

Unsecured Personal Bad Credit Loan Introduction Unsecured personal loans are typically available for amounts ranging from £1,000 to £25,000 over a variety of repayment terms. If you have a poor credit rating, however you may find that an unsecured loan – that is a loan that is not "secured" ... More

Unsecured Loans - Unsecured Personal Loans

Unsecured Personal Loans A personal loan and an unsecured loan are actually identical; lenders just like to use different terminology to describe the same product. A personal loan is described as an unsecured personal loan as it allows you to borrow money without having to use your home or ... More

Unsecured Loans - Bad Credit Loan, loans with bad credit

A bad credit loan – also known as a sub-prime, or non-conforming loan – is a loan made available to consumers who for one reason or another are unable to obtain a standard unsecured or secured loan. This is often due to arrears or defaults on previous borrowing – on mortgages, personal loans, ... More

Shopping - Online Christmas shopping set to boom

IMRG have recently conducted a survey that indicates online Christmas shopping is set to boom this year. The research also indicates that the internet is becoming an important tool for research before purchasing and driving consumer choice. The survey asked questions and gathered opinions from... More

Bank Accounts - What to do if your money is trapped in a collapsed bank

You might have been saving for a holiday or wedding, to pay your mortgage or credit card bills, to fund your retirement or to buy a home – but if you’re one of the hundreds of thousands of people who find their money frozen as a result of recent bank collapses, you may be wondering what to do ... More

Travel - Top ten tips to beat the holiday credit crunch

Top ten tips to beat the holiday credit crunch Cutting back on your holiday travel, doesn’t just mean downgrading from that lovely hotel to a self catering apartment. There are lots of things that you can do to knock hundreds of pounds of the total cost. Let JSTFinancial.co.uk look after ... More

Travel - Bargain holidays boom despite credit crunch crisis

Bargain holidays boom despite credit crunch crisis. As the credit crunch crisis continues, we find that a lot of people are refusing to let their holiday time be affected. Many are finding ways to continue to holiday, whilst just making a few subtle changes. Hostels, coach holidays and cheap ... More

Refused Credit - Been refused a laon and can’t understand why?

In debt and can’t understand why? Find out here Many of us work long hours in stressful jobs and feel the need to treat ourselves after a hard day at the office but if you get a nasty shock every time you open a bank or credit card statement, you could be in the dark about how much you’re ... More

Unsecured Loans - bad credit loan areas

Looking for loan advice in Hampshire or Mortgage advice in Hampshire? Speak to a financial adviser today. JST Financial Solutions have advisers placed in every corner of the country. Alfriston bad credit loan advice | Amberley bad credit loan advice | Angmering bad credit loan advice | Ansty bad ... More

TV and Brandband - What do I need for the switch?

What do I need to do for the switch? Getting your home ready for the switch is actually quite simple. There are however a few things for you to take into consideration. Check how many TV’s you have in your home Every TV you have in your house that you want to continue using needs to be ... More

Insurance - Travel and travel insurance in a credit crunch crisis

Travel and travel Insurance in a credit crunch crisis The travel industry is another area that has been hit hard by the credit crunch. However many experts also believe that fraudulent travel insurance claims are on the rise. Fraudulent claims have increased by 80%, with customers claiming ... More

Homeowner Loans - Repossession, repossession, repossession

The global credit crunch is upon us pushing the world economy into a depression so severe the worlds governments have had to step in to stabilise the money markets. Furthermore with experts predicting that the financial hangover will last well into the New Year, what exactly is the impact of this... More

Insurance - Flooding, risk and my home insurance premium

Flooding, risk and my home insurance premium. The floods experienced in the UK between April and August 2007 were classed as the worst in recent years. The costs to the insurance industry were an estimated 4billion, and ultimately it is the property owners who have to pay via an increase in ... More

TV and Brandband - When do we switch to Digital TV?

When do we switch to Digital TV? By 2012 the Government aims to completely switch off the analogue terrestrial transmissions network that has been our source of watching television since the 1930’s. The old analogue transmission is to be replaced with the new all digital terrestrial network. ... More

Gas and Electricity - How to switch energy supplier

How do I switch energy supplier? The government actively encourages us to switch supplier and over 50% of all UK customers have switched supplier since the market was opened up. Switching could save you as much as £250 a year, and the best thing is, that switching supplier is easy. The DTI ... More

Gas and Electricity - Why are energy costs so high?

Why are energy costs so high? The cost of energy has increased by a massive amount since the start of the year. Indeed all six of the big energy suppliers have all raised prices. In this turbulent financial year, JSTFinancial.co.uk ask why, and is there anything we can do about ... More

Unsecured Loans - Search out your Christmas loan today!

Visiting the town centers around the country, you can certainly feel the Christmas shopping frenzy escalating, hundreds of thousands of families in the UK, will take out a Christmas loan this year to help them through the festive season. The credit crunch has already trapped many Christmas loan ... More

Shopping - How can I lower my food shopping bill

Food prices are at an all time high. They rose at the fastest pace in June 2008, pushing the average monthly shop up by more than £50. Figures from the British Retail Consortium report that on average prices are now 7% higher than in June 2007. The average yearly shopping bill for a family of... More

Shopping - Top ten online shopping tips

With the credit crunch now upon us, JSTFinancial.co.uk, has worked in tandem with our retailers to bring you the best online deals and special offers. We have compiled out top tips to help you save precious pounds without compromising on quality. 1. Use price comparison websites to make sure... More

Vehicle Loans - The different types of car loans

The different types of car loans The following options, are all very different and all need to be considered when you come to purchase your new car. By assessing the different ways of financing your new car you are ensuring that you get the best deal. Take the stress out of it all, and let ... More

Vehicle Loans - Poor Credit Car Loans FAQs

Poor Credit Car Loan FAQs The following questions are the ones that we most regularly receive in relation to those that have a poor credit rating, but are looking for a car loan; What is poor credit history and what makes it poor? All credit transactions are stored in your credit history on ... More

Travel - Credit Crunch Holiday

Credit Crunch Holiday At this moment in time, credit is becoming increasingly harder to find, as fundamental living costs spiral upwards, we Brits are now taking stock and looking at ways we can save. So what does that mean for holidaymakers looking for a cheap getaway? In the current climate, ... More

Vehicle Loans - What are the advantages and disadvantages of buying new and used vehicles?

What are the advantages and disadvantages of buying new and used vehicles? When buying a new or used vehicle, you are always going to ask yourself, What are the advantages and disadvantages of buying new and used vehicles? If you plump for a new car then you will always receive a warranty from... More

Vehicle Loans - What is a hire purchase agreement and how does it work?

What is a hire purchase agreement and how does it work? Before going ahead with a car purchase, you may be wondering, what is a hire purchase agreement and how does it work? A hire purchase agreement (also known as HP and car finance) combines a loan and a lease. When you have decided which ... More

Bank Accounts - Are my savings safe in a bank account?

Are my savings safe in a bank account? Before the turmoil of the credit crunch set it, you probably never even considered if your savings were safe in the bank/building society. Surely your cash is better off in a bank or building society account, a reputable, trusted bank, earning interest ... More

Remortgage - What is remortgaging?

What is remortgaging? Remortgaging is moving your current mortgage to a new mortgage lender, in order to lower the amount you're paying on your mortgage. The new lender pays off the mortgage owing to the old lender. You are then left with just one mortgage loan, now payable to your new ... More

Gas and Electricity - How can I lower my energy bills?

How can I lower my energy bills? Today, many people are asking themselves, How can I lower my energy bills? There are many different ways that you can make your home more energy efficient and ultimately reduce your energy bills. By following the simple steps listed, you could save as much as ... More

Homeowner Loans - You may want to consider a secured loan!

You may want to consider a secured loan! Secured loans range from £5,000 to £250,000 for UK homeowners, there are many plans that will allow you to borrow in access of 125% of the property value, however most lenders have lowered the LTV since the onset of the credit crunch. There are in ... More

Remortgage - Credit Crunch Remortgage

Credit Crunch Remortgage The credit crunch has started to bite hard, not only in the UK but on a Global scale, the lack of available credit has forced lenders to tighten their criteria. So what does that mean for homeowners who are coming to the end of their current deals and need to ... More

Homeowner Loans - Benefits of a secured loan.

Benefits of a secured loan. A secured loan is registered as a second charge on property, which carries more risks than an unsecured loan; however you can not lose your home, if you keep up the repayments on it. JST Financial makes sure from the outset that you can afford the repayments, by ... More

Unsecured Loans - Adverse Credit Unsecured Loans

Adverse Credit unsecured Loans are obtainable by a staggering 50% less lending organizations since the credit crunch. Adverse credit secured loans can only be obtained by securing against property. Adverse credit unsecured loans have a range of distinct benefits if you have smaller unsecured ... More

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