Article02.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website
The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis
The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
Greer & Taylor LLP will be following up the success of their Tax Refund service
The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
If there?s one thing it?s always worth doing, it?s shopping around for best deal. This is generally true for all purchases you?re going to make, but one place it?s more important than most is with loans. Many people don?t think about it too much, but loans are for many people, the single biggest financial transactions they?ll make in their lives.
All the major purchases you?ll make will involve credit of some sort. If you?re buying a house you?ll be searching for a mortgage. If you?re buying a new car it?ll be auto finance. When you travel you?ll likely need a credit card if you don?t already have one. Remodelling your home, paying for college, for almost everyone, they involve a significant amount of credit.
Shop Around
So it?s worth shopping around. If we spend a day or more looking for a good deal on a pair of jeans, why should we accept the first credit offer we receive? Loan rates and terms can vary enormously from lender to lender. All of them offer many different rates at the same time depending on the promotion you?re applying under. They will also be setting the rate according to your credit rating. The important thing to remember is that credit is a very flexible market and pretty much all lenders will be willing to negotiate rates and terms with you.
You?ve Got To Haggle
For example, if a rate seems too high to you, simply tell them that, and ask if there?s a better rate available. Often their first offer is not the lowest they?re willing to lend at. Another thing you can do is offer security for the loan. If you own you?re home and are confident in your ability to repay the loan, maybe ask what the rate would be if it was secured over your home. You?d be surprised at the difference in rate you?ll get simply for offering security.
Mortgages
If it?s a mortgage you?re negotiating, ask for both the variable and fixed rate. Typically the variable mortgage will be a good 0.2% to 0.5% cheaper. This is because you will be bearing the risk of an increase in interest rates. Auto finance is one of the most varying areas in the market. You?re dealer might be offering you what seems like a good credit rate, but often if you agree to pay cash, the price of the car becomes cheaper, which means the loan is actually more expensive than it appears. If this is the case, try and get the finance from another lender and get the dealer?s cash price for the car.
One other way of making a loan cheaper is by dropping optional extras such as loan repayment insurance. This is often offered when you take out a loan and can make a big difference to the cost of the loan.
