Eugene Henry - Articles

West Midlands bottom of the football fan savings league
Football fans in the West Midlands who follow Birmingham City, West Bromwich Albion and Walsall Football Club are struggling at the bottom of the league table when it comes to interest rates on football related savings accounts, according to a recent study. Football fans who use affinity accounts with their chosen team in this area are seeing a lower interest return on their investments. Read
By: Eugene Henry | 31/07/2009 | Investing

Being frugal is back in fashion
For years the British population has been submerging itself in a sea of credit and debt, taking out loans and credit cards have become the norm for today’s modern spend happy Brit. However according to recent figures the British population are no longer amounting credit at a rate of noughts but are actually choosing to be extra frugal with their cash. In the wake of a global recession the savings ratio has moved up to 4 or 5%, compare that to 12 months ago where we were saving less than any Read
By: Eugene Henry | 30/07/2009 | Personal Finance

ISA guide
The ISA (Individual Savings Account) was launched on the 6th April 1999, replacing the PEPs (Personal Equity Plans) and Tax-exempt special savings accounts. The creation of the ISA was designed to appeal to a greater aspect of the population, where as its predecessors were seen to be some what elitist and cater for the middle classes. Read
By: Eugene Henry | 30/07/2009 | Personal Finance

Credit Card Guide
A Credit card is a plastic card in which is issued to a bank account holder, once approved it allows the card owner to purchase goods on ‘credit’ in which they thereby agree to pay back the amount at a later date with interest on top of the amount they have initially paid. The cardholder will agree to the transaction by either signing to confirm or in most cases with the new chip and pin format, enter their individual PIN number. Read
By: Eugene Henry | 29/07/2009 | Credit

Credit card security
Credit card theft and fraud is a now common place crime in which affects hundreds of people in the UK each year. Fraudsters have access to personal accounts and information and in some cases can use your card to spend thousands of pounds. Most banks do have special fraud departments however they are usually reactive to what they perceive to be suspicious behaviour and will then act upon it, restoring information can sometimes take up to 200 hours in which time your account will be suspended. Read
By: Eugene Henry | 29/07/2009 | Credit

What is a loan?
A loan is an amount borrowed from one person or professional lending body (i.e. a bank or financial institute) in which the amount is then repaid. The amount is often subject to a time frame such as x amount of pounds paid back over x amount of months usually with an amount of interest on top. The loan is then a debt in which the borrower then owes the lender. The most common type of loan is an unsecured loan and this taken out from a bank or building society. Read
By: Eugene Henry | 02/07/2009 | Loans

Health insurance guide
Many people in Britain are choosing to take out private medical insurance which helps cover them in case of a curable or short term illness. The reason for this is that on average the wait for an outpatient appointment with the National Health Service in England is up to 7 weeks. However those who take out private health insurance have the guarantee that if they are to fall ill or injure themselves they will get an appointment and receive treatment straight away. Read
By: Eugene Henry | 01/07/2009 | Health

A guide to healthy living
When it comes to fitness it is not only what is on the outside the counts. Maintaining a healthy lifestyle can help prevent illnesses such as cancer, heart disease and diabetes. Leading an active lifestyle combined with eating a healthy diet will not only make you physically fit but also make you feel better and give you more energy when going about your day-to-day life. Read
By: Eugene Henry | 30/06/2009 | Nutrition

Buying a puppy guide
When buying a dog it is important to do as much research as possible. With the various breeds it is important to find the right dog for you, things such as breed, age and size will have an impact as well as your own schedule and circumstances i.e. if you have a family, if you are a singleton who works long hours etc. The three most common places to get a puppy/dog are from a pet shop, rescue home or a breeder. Read
By: Eugene Henry | 30/06/2009 | Pets

Used van buying guide
One of the first things to consider when buying a vehicle is if it is new or used and is it within your budget. Setting a budget is usually based on your current financial circumstances and what you wish to use the vehicle for. For example if it is for work or for family purposes may have an affect on the amount you are willing to pay. It is also important that once you have set a budget that performs the following checks in order to get the best deal. Read
By: Eugene Henry | 30/06/2009 | Vans