Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet
(ContentDesk) February 18, 2006 -- Following yesterdays decision by the Government to impose a total ban on smoking in pubs and clubs, Moneynet (http://www.moneynet.co.uk) highlights the true extent of the financial cost of smoking. A smoker applying for life assurance will find themselves facing almost double the premium of a non-smoker, said Moneynet chief executive Richard Brown. Add that to the price of the cigarettes and the cost of smoking plainly threatens your wealth not just your health. With a packet of cigarettes currently costing around ?5, a husband and wife who both smoke 20 a day will already be spending a staggering ?3,640 a year on their habit.
Should this couple, aged around 40, want to take out life assurance including critical illness cover with Norwich Union for example, they would be looking at a monthly premium of ?213.30. For a non-smoking couple the cost would be just ?112.20.
Add this extra charge to the huge sum already going up in smoke on cigarettes and they would find themselves blowing more than ?400 a month on smoking thats ?4,800 a year. If the couple were to quit smoking and invest the money they would have spent on inflated premiums and cigarettes, based on an average rate of 7.5%, they would amass around ?250,000 after 20 years. And Moneynet advises consumers not to fib to try to get lower cost life cover. Many people are tempted to lie about their smoking habits when applying for life assurance, but this is a false economy, said Brown. Should you become ill or die from a smoking related condition, your insurance wont pay out and then youll fully understand what smoking has cost you. Consumer enquiries: 0208 460 2833/ http://www.moneynet.co.ukPress enquiries:Richard Brown, Chief Executive, 020 8313 9030 David Andrews, David Andrews Media Ltd 07941 255855/01273 774109
Editor's notesMoneynet.co.uk is the UKs longest established online personal finance research and data analysts.
The company offers consumers a choice of thousands of low cost financial services products. From mortgages, personal loans to motor, home and medical insurance, credit cards, savings accounts and best buy fixed rate products, Moneynet is one of the most comprehensive online services of its kind in the UK. Founded by chief executive Richard Brown, the Moneynet brand is destined to become one of the UK's major players in consumer finance products.Disclaimer:All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986..
Finding a mortgage in Nashville
Weather you're purchasing a new home or looking at refinancing an existing mortgage it can be a big task. In order to find the best loan, a lot of research is required. Mortgage Nashville brokers are not hard to locate. You can simply do a quick search at any online directory to find local brokers. The problem with this is that it can be very time consuming, calling each broker requesting a quote and then comparing them to find the best deal.
This can be a pain and I'm sure you have better things to do. Applying online is the best option, you fill out a 2 minute form and your info is automatically sent to Nashville mortgage brokers who are anxious for your business.
We did a quick search on Nashville mortgages brokers and found a lot of them. I'm talking about 50+ throughout the state of Tennessee. Would you really want to spend the time contacting them all searching for the best rates? Of course not.
Here's is what I did last month when I was searching...
Finding a mortgage in Nashville
Mortgages > Finding a mortgage in Nashville
Commercial Mortgage Financing
Ever wondered what you could do with a commercial mortgage? Well, to be quite candid, there is a plethora of ways to make use of a commercial mortgage.
Such a mortgage can be used to finance many different types of properties, so let’s take a minute to review these properties.
Of course, not all commercial investments are created equal.
Some inherently involve more risk than others.
As a result, some banks and financial institutions that offer commercial mortgages may or may not offer a product that finances one of the following.
As always, it will be up to you to shop around and find a commercial loan broker that offers a commercial mortgage package that fits your needs.
Apartments
??" Great investment opportunities exist with apartments.
Apartments serve as a great form of securitization for a commercial mortgage. They also prove to be great...
Mortgages > Commercial Mortgage Financing
Change in Texas Law May Make Reverse Mortgages More Popular
Texas was one of the last states to allow homeowners to take out home equity loans. Laws going back to the nineteenth century strictly prohibited home equity lending, as legislators feared that unscrupulous lenders would take advantage of homeowners for the purpose of seizing their homes through foreclosure. This made it impossible for citizens of the Lone Star State to use their equity for home improvements, debt consolidation or paying medical bills, as homeowners in other states may do.In 1997, the Texas constitution was amended to allow homeowners to borrow against their home equity. The amendment allowed for traditional term loans, lines of credit, and reverse mortgages, but did not allow a line of credit on a reverse mortgage. In a reverse mortgage, owners of homes who are at least 62 years of age may borrow against the equity in their home.
They need not pay the money back until they die, move or sell the home. Reverse mortgages have become quite popular in the last few...
Change in Texas Law May Make Reverse Mortgages More Popular
Mortgages > Change in Texas Law May Make Reverse Mortgages More Popular
Home Equity Loan ? When Does Refinancing Make Sense?
For the last two years, interest rates have been much lower than anytime during the last thirty years. This has resulted in an unprecedented boom in real estate sales, home refinancing and home equity lending, as borrowers try to take advantage of these rates for the long term. But refinancing or even borrowing against your home's equity may not make sense for everyone. When is it a good idea to refinance your home? When is it not advisable? Traditionally, lenders advised homeowners not to refinance unless doing so would lower the interest rate on the loan by 1-2%. While anyone who can save 2% on their interest rate would almost certainly benefit from doing so, others might find refinancing worthwhile even with a smaller reduction in the interest rate.
Increased competition among lenders has brought the costs of refinancing down in recent years, so homeowners can realize a significant reduction in their home payments with reductions of ?% or so, depending on the size of their...
Home Equity Loan ? When Does Refinancing Make Sense?
Mortgages > Home Equity Loan ? When Does Refinancing Make Sense?
Dramatic Slump in Life Insurance Cover Enquiries in June & July –- Moneynet.co.uk Warns on Vulnerable Homeowners Eschewing Cheap Insurance
(ContentDesk via ContentDesk Direct) August 1, 2006 -- A dramatic fall off in enquiry levels for life cover has led to fears that many thousands of home owners will be left exposed in the event of the death of the main breadwinner.- Life insurance cover enquiries plummeted by 50 per cent last month- Fall off blamed on the World Cup, heatwave& and rising bills Levels of enquiries to the Moneynet life insurance cover service plummeted by nearly 50 per cent in June and July of this year, down from nearly 8,000 during May to a little over 4,000 enquiries in each of June and July.Enquiry levels recorded on Moneynets online financial data comparison service are a broadly accurate measure of the levels of life cover broker sales. The Moneynet...
Dramatic Slump in Life Insurance Cover Enquiries in June & July –- Moneynet.co.uk Warns on Vulnerable Homeowners Eschewing Cheap Insurance
Mortgages > Dramatic Slump in Life Insurance Cover Enquiries in June & July –- Moneynet.co.uk Warns on Vulnerable Homeowners Eschewing Cheap Insurance
Some Truth About Credit
Credit is currently and has been historically an integral component of our economy. Credit contribute a person's net worth, and financial power. No matter who you are or what type of business you are considering, credit is a vital component to be considered when developing your business idea and business plan.Your credit history and status will always be a factor when lenders consider financing your entrepreneurial endeavor. No matter what type of loan, even loans for those who may struggle to acquire traditional financing, such as the SBA funded micro loan, will consider credit as one of the underwriting factors.Because your credit history and status greatly impact your bankability and ability to acquire business funding, it behooves you to spend a significant amount of time developing and creating positive credit status and repairing poor credit history.== personal note == When I got married I gifted my wife with a huge debt load and a toilet level credit status. Through diligence...
Some Truth About Credit
Mortgages > Some Truth About Credit
Life Insurance ? Do You Need It?
Many people are skittish about life insurance, because they feel that it is useless, or it makes them face their mortality, or they may arrogantly think that they won't die. But let me reassure you, life insurance is not only useful, but also essential if you're young or old, or have a young family. Life Insurance should definitely be one piece of your financial portfolio.BENEFITS OF LIFE INSURANCE1)Protects your family ? If you should die prematurely a life insurance policy will give your young...
Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet Life Insurance ? Do You Need It? Mortgages
Mortgages > Life Insurance ? Do You Need It?
SEVRAR Offers PocketSurfer to its 8,500 Members
Montreal, Quebec (ContentDesk) July 29, 2005 ?- Based in Mesa, Arizona, the SouthEast Valley Regional Association of Realtors (SEVRAR) and Montreal based DataWind Net Access Corporation officially announced the availability of the PocketSurfer? Web viewer to SEVRAR members. Real estate information access has become truly ubiquitous and more convenient for REALTORS? with the PocketSurfer? Web viewer, a first-of-its-kind dedicated wireless Web viewer that provides fast, affordable, full wireless...
SEVRAR Offers PocketSurfer to its 8,500 Members Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet Mortgages
Mortgages > SEVRAR Offers PocketSurfer to its 8,500 Members
OEM vs. Remanufactured and Compatible Cartridges
OEM stands for Original Equipment Manufacturer. OEMs, such as HP, Canon, Epson, and Lexmark are the companies that manufacture your printers. OEM cartridges are cartridges that are branded under your OEM's brand.
Recycled cartridges that are disassembled by third parties (other than OEMs) and have their worn parts replaced are called remanufactured cartridges. To guarantee print quality, remanufactured cartridges are generally refilled, tested in the factory and repackaged.
Mortgages > OEM vs. Remanufactured and Compatible Cartridges
Flower Delivery in Chicago
Ordering flowers in Chicago is no different than ordering flowers in any other city. Some people have preferences of using a locally known florist, while others have no such preference. If you are ordering from a city outside of Chicago, your best bet will probably be to do an Internet search for florists in the area. You can also use national flower companies for Chicago flower delivery. Floral Essence is one among hundreds of results you may find.
This company is located just outside...
Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet florists
Mortgages > Flower Delivery in Chicago
Quitting Now Could Save Smokers a Small Fortune, Advises Moneynet Mortgages used cars