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Mortgage Life Assurance - What actual is it and do I need to have it?

Let's start off by defining what 'mortgage life assurance' actually is and what it is not. Note that We are talking about life 'Assurance' here not life 'Insurance', which is defined simply as 'you will die at some point' whereas 'insurance' is defined as a 'risk of death'.

I've found an excellent article by ' Robert McKnight' that shows the details perfectly.

Mortgage Protection Life Insurance - Should You Consider Buying Mortgage Life Insurance?

Revealed the unknown secrets to saving thousands a year -> tell me more

With the world banking crisis where most people are struggling to pay bills or in fear about our jobs and future redundancy, most families will be trying to find the best deals around for gas, electricity energy supplier and auto or house insurances as well as saving on our weekly, monthly and yearly bills and purchases.

How do we find the best quotation where do we know where to look? The main stream of buyers see differing adverts on television and most of them try the site bing advertised. Unknown to many of the buyers don't know about the hidden COSTS that is carried out on the comparison site itself. In 99% of every Quotation the purchaser can make bigger savings by following a few simple steps.

Published financial figures show that the UK comparison sites (ie. gocompare make in excess of 70 million pounds plus a year from this what I call the 'comparison site scam'. Every purchase earns them between 40 and 100 pounds each time someone buys an house insurance policy via there site? You can easily claim this money instead of it going direct into the pockets of the comparison site.

For example look at 'uswitch' they had well over one million customers last year, so take that number and an average of a minimum 10% of people get their electric Supplier through this comparison site that would give 100,000 undercover payments to the website owner at between 40-100 UK pounds. Let take an average of 50 pounds as a round number..

This creates a profit of at least 10 million pounds alone from car insurance. In reality though this number is much larger.

Imaging though if the person in the street like you and me can get this free money for ourselves.

Imaging claiming this payment on your other house insurance and gas energy bills as well..

When it comes to the energy bills SCAM what they do is worth even more money and you can also receive this 3/4 times a year by following some very simple steps

Imagine if you could also save on all your daily groceries and add in vouchers and discounts for things such as books and laptops.

Imaging getting a tremendous deal and as a consequence of following some additional simple steps you receive back an additional 10% off the price? This is what I personally do when I buy any goods.

At last! The whole unbiased truth about saving £1000s a Year exposed without the use of comparison sites.

Learn Professional Money Saving it has never been this easy! Find out more here Professional Money Saving Videos

Hi guys.. Welcome to part 3 of the money saving tips Guide. Hope everyone finds this part as good as the first 2

so here we go:

Trade down your car

So, you bought an American sports utility vehicle (SUV) that nets 15 miles to the gallon on a whim. Obviously we're all very impressed – especially by the personalised number plate. But can you honestly justify the ongoing expense? If not, get rid of it. Then visit a car supermarket, where you can choose from thousands of cars at knock-down prices. If you're a true money saver, consider an ex-rental model which you can pick up for a fraction of the cost of a new one.

Saving: £1,000s

Ask yourself: do I really need this?

Imagine the scenario. It's lunchtime and you've got an hour to kill. You find yourself in a department store and there's a sale on. You pick up a beautifully packaged selection of barbecue tools and associated garden paraphernalia. And it's half price. Now, stop! Ask yourself: Do I really need this? Exactly. Now, put it down and walk away.

Saving: £100

Walk/cycle to the station/work

It maybe a bit of hippie notion to many people but it's free.

Saving: £100

Get off the station before your usual stop and walk

We may be creatures of habit but isn't it worth tinkering with the routine if it's costing more than £50 a month in unnecessary fares?

Saving: £100

Cut down your drinking

A few beers after work a few nights a week is a financially debilitating state of affairs. Set limits and stick to them.

Saving: £100s

Pack up smoking

Never mind the health implications, the guilt and the smell, your 20-a-day habit is costing you nearly £2,000 a year. Pack it in.

Saving: Nearly £2,000

Cancel your gym membership

If you pay your £40 a month by direct debit and you use the gym three times a week, great. If not, cancel your membership immediately. You'll soon save enough to buy your own bike and, if you're so inclined, a rowing machine. Consider running home from work three times a week. It's free.

Saving: £100s

Use your library

The local library is a mecca for the money saver. You'll never need to buy another cookbook, guidebook or lifestyle manual again and if you can bear to wait a few weeks in the queue for the latest blockbuster, you never need to buy books again. CDs and videos are great value too.

Saving: £100

The three-for-two trick

Now, there's a lot to be said for buy-one-get-one-free deals, especially if they pass the 'Do I really need this?' test. Then there's three-for-twos; a particularly cynical way of stores to entice shoppers to buy an extra item they would not otherwise buy. The 'offer' is always priced into the deal so do your sums and shop around.

Saving: It's a principle at stake here

Buy clothes and presents in the sales

So you need a new suit and the one you like comes in at a cool £300. Wait! The chances are that you can pick it up in the sale – and there's always a sale just around the corner – for £150. The same applies for birthday and Christmas presents. Buy in bulk in the sales and you not only save money, but you enjoy stress-free pre-Christmases and no last-minute birthday worries.

Saving: £100s

Claim your benefits and tax credits

There was once a certain stigma in Britain attached to claiming benefits. Well, not any more. The Government has put benefits at the heart of the family budget and it's your money so make sure you're claiming it. That includes Child Benefit, Working Tax Credit, Child Tax Credit and other employee-related tax benefits.

Saving: £100s

well thats all the ways to save money for now.. hope you enjoyed this three part series of tips..

To get all the latest tips, tricks, and tactics about 'Money Saving in the UK', be sure to grab your free insider Guide.

Hi guys.. Hope everyone found the first part of the money saving tips handy. Hope everyone find this editions just as good

so here we go:

Sell your clutter on eBay

Take this quick test: You're at home. Open a cupboard. Look inside. If it's full of clothes you haven't worn, or 'good ideas a the time' you haven't used, for, let's say, three years - you don't need them. So why not sell them to someone else who does? Ebay, the online auction house, has opened individual sellers to a world of buyers. And you can flog anything for the cost of a small commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling.

Income: Will depend on what's in your cupboard

Use your talent to earn extra cash

Let's face it, if you're not a pop star by the time you reach your 20s you're never going to be. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues.

Income: It's not unreasonable to charge £20 an hour

Do DIY

We're a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all.

Saving: £100+

Shop around for the cheapest household insurance

Unless you drive – car insurance is mandatory - you don't need insurance. But it's strongly advisable. Can you afford to foot the bill if your house burns down? Probably not. Similarly, can you afford to pay over the odds for the same policy available elsewhere because you can't be bothered to shop around? Possibly, but it's not advisable. The internet has made finding cheaper insurance easy and you can compare hundreds of policies in minutes.

Saving: £100s

Don't automatically renew annual travel insurance

If your annual holiday insurance policy is about to expire and you don't have a holiday booked, DON'T renew the policy. You're handing your money over to cover an eventuality that won't happen. You wouldn't have car insurance if you didn't own a car. Simply restart the cover again the next time you book a trip.

Saving: £50

Choose cheaper breakdown insurance

The breakdown sector is dominated by big names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives.

Saving: Up to £100 a year

Are you paying too much for your life insurance?

We're living longer. As a result the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick.

Saving: £100

Book early

Low-cost airlines have created a market in holidays for people prepared to fly to any destination provided it's cheap. You can benefit from this too. Just remember, only a few seats on each flight are sold at bargain-basement prices and once they're sold, the prices rise. So book early.

Saving: £100

Book your own 'package' holiday online

The popularity of High Street travel agents is waning as more and more people warm to the benefits of researching and putting together their own holidays on the internet. If your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together.

Saving: £100+

Learn to say 'no'

It's easy to capitulate to the demands of a screaming child in a packed Woolworths on a Saturday afternoon. But don't do it. Similarly, how often does a 'swift half' after work turn into a £40 drinking session? Saying 'no' a few times a year will do wonders for your bank account.

Saving: £100

well thats all the ways to save money for now but look out for our special strategies on saving even more over the year. One strategy can save you over £650 on your bills and purchases at no cost. No cost is what I like to..

To get all the latest tips, tricks, and tactics about 'Money Saving in the UK', be sure to visit us at for your free insider Guide.