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Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible.

Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Based on your information we recommend you speak to a personal debt adviser.

They will offer you advice on:
  • Whether a loan is your best option
  • Consolidating your debts
  • Reducing the amount you owe
  • How to freeze your interest payments
  • Protecting you from creditors

 
 
 
 
 

 
 

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Fool.co.uk: One in 25 will die broke


People should not rely on inheritance to fund their financial plans , as one in 25 was found not to expect to leave an estate, financial website Fool.co.uk is warning. A survey by Fool.co.uk found that 49 per cent of people expect to receive something to ease their finances. But 61 per cent of people will sustain themselves before thinking about leaving an inheritance. Only one in four expect to be able to leave most of their assets to their descendents-and one in 25 don’t expect to be able to leave anything at all. Fool.co.uk found that the average expectation of an inheritance is around £99,500. David Kuo, head of personal finance at Fool.co.uk said that it was no longer possible to rely on inheritance and people struggling financially "have to fend for [themselves] in the here and now". He recommended making a proper will, which would also help to keep taxation low. On Monday, shadow chancellor George Osborne pledged to increase the threshold for inheritance tax to £1 million, the Guardian reports. The same proposal had been made before Gordon Brown’s last budget in 2007, but withdrawn as it seemed unfeasible.

2008-06-27
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