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<h1 class="floatleft">Advice and Guides</h1>
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<p class="page-intro">Navigating the financial decisions of life can be a daunting task. You are often left to sift through large amounts of complex information in order to arrive at decisions that affect your financial livelihood. Below is a collection of guides that address many of the complicated financial issues you are likely to face.</p>
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<div class="page-section" id="credit-cards"><h2><a href="http://www.answerbag.co.uk/credit-cards">Credit Cards</a></h2>
<p class="summary"><a href="http://www.answerbag.co.uk/credit-cards"><img class="alignleft wp-image-261" style="margin-top: 30px; margin-bottom: 18px;" alt="credit-cards" src="../wp-content/uploads/2013/08/credit-cards.png" width="120" height="93" /></a>From 2008 to 2012, credit card spending on entertainment services (a large component of luxury expenditures) increased by a whopping 69%. </p>
<p class="summary">In that same time period, credit card debt marginally decreased from £55.6 billion to £54.9 billion. <a href="../credit-cards/">Learn more about credit card debt management and smart spending strategies.</a></p>
</div>
<div class="page-section" id="credit-cards"><h2><a href="https://www.hunterfinance.co.uk/property-development/step-by-step-guide/land-research-and-purchase" target="_blank">Land Research and Purchase in South-East England</a></h2>
<p class="summary"><a href="https://www.hunterfinance.co.uk/property-development/step-by-step-guide/land-research-and-purchase"><img class="alignleft wp-image-261" style="margin-top: 30px; margin-bottom: 18px;" alt="Land Research and Purchase in South-East England" src="/img/hunter.jpg" width="168" height="196" /></a>Land research is incredibly important during the property development process.</p>
<p class="summary">It’s the foundation of your project and with the more time and energy, you put into it, the increased likelihood that your project will be successful. </p>
<p class="summary">This guide is brought to you by <a href="https://www.hunterfinance.co.uk/" target="_blank">Hunter Finance based in East Sussex.</a></p>
<p class="summary"> </p>
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<div class="page-section" id="mortgages"><h2><a href="http://www.answerbag.co.uk/mortgages">Mortgages</a></h2><p class="summary"><a href="../mortgages/"><img class="alignleft wp-image-237" style="margin-top: 30px; margin-bottom: 18px;" alt="mortgage" src="../wp-content/uploads/2013/08/mortgage.png" width="140" height="95" /></a>In August 2018, every 16 minutes and 26 seconds, a property is repossessed. This equates to 88 properties being repossessed every day. While being in mortgage arrears can leave you vulnerable, there are many forms of assistance available to UK consumers. <a href="../mortgages/">Learn more about mortgage debt and how to find relief.</a></p>
</div><div class="page-section" id="insurance"><h2><a href="http://www.answerbag.co.uk/insurance">Insurance</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/insurance"><img class="alignleft wp-image-272" style="margin-top: 35px; margin-bottom: 30px;" alt="insurance" src="../wp-content/uploads/2013/08/insurance.png" width="135" height="104" /></a>From 2000 to 2010, the average yearly general insurance expenditure of a household increased by approximately 34%. Insurance expenditures are an important component of household spending, and with the wealth of options available to consumers, it is important to make the correct choice. <a href="../insurance/">Learn more about the available insurance plans and compare their benefits.</a></p>
</div><div class="page-section" id="gambling"><h2><a href="http://www.answerbag.co.uk/gambling">Gambling</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/gambling"><img class="alignleft size-full wp-image-294" style="margin-top: 15px; margin-bottom: 0px;" alt="gambling" src="../wp-content/uploads/2013/09/gambling1.png" width="135" height="104" /></a>Approximately 73% of British adults gamble at least once a year, up from 68% in 2007. In 2010, there were 450,000 problem gamblers aged 16 and over in Britain. <a href="../gambling/">Learn the warning signs as well as ways to manage problem gambling.</a></p>
</div><div class="page-section" id="student-loans"><h2><a href="http://www.answerbag.co.uk/student-loans">Student Loans</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/student-loans"><img class="alignleft wp-image-265" style="margin-top: 40px; margin-bottom: 25px;" alt="student-loans" src="../wp-content/uploads/2013/08/student-loans1.png" width="135" height="104" /></a>In 2011, 53% of undergraduate students received either a loan, grant, or allowance as financial assistance. Before hastily taking out a loan, you must carefully weigh all of your options. After all, a UK individual is declared insolvent or bankrupt every 4 mins and 42 seconds. <a href="../student-loans/">Learn how to weigh your financial aid options and choose the program that is best for you.</a></p>
</div><div class="page-section" id="payday-loans"><h2><a href="http://www.answerbag.co.uk/payday-loans">Payday Loans</a></h2><p class="summary"><a href="../payday-loans/"><img class="alignleft wp-image-277" style="margin-top: 27px; margin-bottom: 10px;" alt="payday-loans" src="../wp-content/uploads/2013/08/payday-loans.png" width="135" height="104" /></a>The payday loan industry has seen a recent explosion in popularity in the UK. The industry has increased its lending from £900 million in 2008 to approximately £1.8 billion in 2018. Some lenders have representative APRs of over 5000% on their loans. <a href="../payday-loans/">Learn more about the risks of payday loans and available alternatives.</a></p>
</div><div class="page-section" id="investing"><h2><a href="http://www.answerbag.co.uk/investing">Investing</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/investing"><img class="alignleft wp-image-260" style="margin-top: 23px; margin-bottom: 0px;" alt="investing" src="../wp-content/uploads/2013/08/investing.png" width="135" height="104" /></a>Investing in the stock market is not without risk. During the Crash of 2008-2009, the London stock market dropped over 50%, which wiped out over £900 billion off the value of Britain’s largest companies. <a href="../investing/">Learn how to diversify your investments and build your nest egg.</a><a href="/"><br />
</a></p>
</div><div class="page-section" id="taxes"><h2><a href="http://www.answerbag.co.uk/taxes">Taxes</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/taxes"><img class="alignleft wp-image-258" style="margin-top: 40px; margin-bottom: 25px;" alt="taxes" src="../wp-content/uploads/2013/09/taxes.png" width="135" height="104" /></a>In 2010, the Mirrlees Review, which was chaired by Nobel laureate Sir James Mirrlees, concluded that the UK tax system is inequitable and is “ripe for reform in many ways that could significantly increase people’s welfare and improve the performance of the economy.” <a href="../taxes/">Learn how to understand the role of taxes in your personal finances.</a></p>
</div><div class="page-section" id="retirement-planning"><h2><a href="http://www.answerbag.co.uk/retirement-planning">Retirement Planning</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/retirement-planning"><img class="alignleft wp-image-270" style="margin-top: 30px; margin-bottom: 7px;" alt="retirement-planning" src="../wp-content/uploads/2013/09/retirement-planning.png" width="135" height="104" /></a>The cost of retirement income is rapidly rising. The cost for a 65 year old man to buy a £5000-a-year retirement income has increased by approximately 30% over the past 3 years. <a href="../retirement-planning/">Learn how to properly plan for your retirement so that you are able to fully enjoy your later years.</a></p>
</div><div class="page-section" id="fraud"><h2><a href="http://www.answerbag.co.uk/fraud">Fraud</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/fraud"><img class="alignleft size-full wp-image-321" style="margin-top: 8px; margin-bottom: 0px;" alt="fraud" src="../wp-content/uploads/2013/08/fraud.png" width="135" height="104" /></a>In 2012, per the Annual Fraud Indicator, fraud cost the UK economy £73 billion, with £6.1 billion being borne by individuals. <a href="../fraud/">Learn how to identify fraud, and stop it from being perpetrated on yourself.</a></p>
</div><div class="page-section" id="financial-glossary"><h2><a href="http://www.answerbag.co.uk/financial-glossary">Financial Glossary</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/financial-glossary"><img class="alignleft wp-image-276" style="margin-top: 45px; margin-bottom: 20px;" alt="glossary" src="../wp-content/uploads/2013/08/glossary1.png" width="135" height="104" /></a>Fully understanding the terminology that is used by financial companies and their products is integral to making the best financial decision and avoiding unfair treatment. Unfortunately, many companies cleverly hide their unscrupulous practices in contracts and agreements that are written in obscure language. <a href="../financial-glossary/">Learn the various terms you need to know in our financial glossary.</a></p>
</div><div class="page-section" id="debt-management"><h2><a href="">Debt Management</a></h2><p class="summary"><a href="http://www.answerbag.co.uk/debt-management"> <img class="alignleft wp-image-270" style="margin-top: 8px; margin-bottom: 0px;" alt="glossary" src="../wp-content/uploads/2013/09/debt-management1.png" width="135" height="104" /></a>The UK outstanding personal debt was approximately £1.4 billion in July 2018. Not surprisingly, every 5 minutes and 7 seconds a Brit is declared insolvent or bankrupt. <a href="../debt-management/">Learn how to manage your debt and become debt-free. </a></p>
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