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Financial Information Service (FIS)

2008-10-08T10:00:00.000-07:00

How can FIS help me?

The information you get from FIS can help you in many ways. For example, it can:

* increase your confidence in dealing with your investment related financial issues
* help you to understand your own financial affairs
* inform you of your options
* alert you to the levels of risk for each financial product type
* explain the roles of financial industry professionals
* help you to be discerning when choosing experts and how to use expert information
* explain the advantages of reducing personal debt
* help you to use credit in a sensible way
* encourage you to increase your savings and plan for the future
* help you to plan effectively for your retirement
* show you how you can maximise your overall retirement income.

What is the role of a FIS Officer?

FIS Officers can show you how to make informed financial decisions and help you to understand the consequences of those decisions in the short, medium and long term. FIS Officers can talk to you about:

taking control of your finances so that you can actively plan for your retirement
how to prepare for the lifestyle choices in retirement, even while you are still in the workforce.

It's never too early to start planning!

FIS does not give advice. FIS Officers are not financial planners or counsellors and they:

do not sell or give advice
do not prepare financial plans
do not recommend any particular type(s) of investment
do not tell you how to invest your money
do not purchase investment products
do not make decisions about your pension or calculate the rate at which you can be paid (FIS Officers have no authority to do this but may be able to approximate what your payments will be).

Can I talk to a FIS Officer over the telephone?

FIS Officers provide information to people over the telephone, at personal interviews or through financial education seminars.

You can telephone 13 2300 and ask to speak to a FIS Officer. If possible, the FIS Officer will answer your questions over the telephone.

If there are complex issues to be discussed, the FIS Officer may offer to arrange an appointment for you.

Credit Card Rewards and Benefits

2008-09-29T05:13:00.000-07:00

Credit card holders who have the discipline to control credit card purchases can have benefits from credit card rewards, credit card rebates and other benefits. You should make sure that you have a usage pattern that strengthens your credit rating as well as gather credit card rewards and credit card rebates and other incentives provided by the card issuers.

Treat your reward credit card or rebate credit card just like cash, i.e. you should deduct the amount of each purchase you make with the credit card from your money account by making an entry in your check register or in some other way.
To maximize you handling of reward credit cards and rebate credit cards you should record every transaction, deduct money from your money account for each credit card purchase, all in line with good personal accounting.
An assessment of your rewards and benefits from your credit card should be done regularly when you review your spending. Compare options and compare credit cards conditions. If you notice that you have a need to limit your spending you may need to switch to debit cards or other reward cards.
Try to never carry a credit card balance and pay of the entire balance each month. The money to pay the credit card balance should be available from your money savings.
Besides earning benefits, handled correctly, gain 25 days use of your money that are generating interest.
Limit the number of credit cards, 2-4 cards ought to be enough. Select your cards with the features you need, credit card rebates or credit card rewards are one factor, no annual fee, low interest, low intro apr could be others. Do compare to find the best credit card offers online. Many online resources are available for finding the best offers suited for your needs. Use your credit card for all budgeted essentials such as rent, utilities, and groceries, etc. and get rewarded for your use.
Take use, but take charge, of your use of reward credit card: earn reward benefits such as airline miles, auto points, etc but do also build your credit rating by paying large balances each month.
If you want to create your own business site and need som advice.

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Debt Settlement Program Procedures - How It Works

2008-05-31T04:27:00.000-07:00

Debt Management

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www.trapped.co.uk

Let us clarify exactly how our debt settlement program works.

Debt Settlement will help you by ending creditor calls, reduce credit card debt, lowering the amount of your personal loans, and more.

With our help you can revise your existing debts to avoid bankruptcy. You will also satisfy your creditors within your budget using a structured Debt Settlement plan.

Step 1: Obtain your Free Quote from a Certified Superior Debt Settlement Consultant by filling out our request form, or call us at 1-888-366-3414 for an immediate consultation. Your consultant will assess your financial circumstances and will determine whether you are a candidate for Superior's debt negotiation program.

Step 2: Once accepted into our program, your Certified Debt Settlement Consultant will help you collect the information and documentation we need in order to assist you. Your consultant will help you determine an affordable monthly payment, which, after fees, will be put into your own personal, Special Purpose Account, to be set aside for debt settlement purposes.

Step 3: You will be assigned to a Certified Debt Negotiation Officer who will assist you to put an end to creditor harassment, provide debt consolidation advice, and settle your debts for a lesser amount than you currently owe. Our Debt Negotiation Officers typically reduce your debt up to 50% or more than the amount you currently owe!

Step 4: Once our Negotiators receive an acceptable, written debt settlement offer from your creditor, we will then send funds from your Special Purpose Account to pay off your creditor. You will then receive written confirmation from your creditor, documenting that your debt has been paid in full. We will repeat this process until all of your creditors have been paid.

Step 5: Once you are free of the debts you have placed in our program, Superior Debt Services will provide you with debt consolidation advice on remaining debt-free, improving your credit rating and building a financially secure future. We will also pay for the first three cycles of your credit restoration upon completion of the program.

We look forward to assisting you become debt-free! Receive your free debt settlement consultation and quote now!

Debt Management

Compare debt management plans using our calculator - Search online now!

www.trapped.co.uk

Debt Settlement Program Benefits

2008-05-31T04:26:00.000-07:00

There are many benefits that come with a debt settlement strategy. Debt Settlement will help you by ending creditor calls, reducing credit card debt, lowering the amount of your personal loans, and more. With our help you can revise your existing debts to avoid bankruptcy. You will also satisfy your creditors within your budget using a structured Debt Settlement plan.

Superior Debt Services' debt negotiation program can help you prevent the 10-year stigma of Bankruptcy and/or avoid taking yet another high-interest loan that can make your situation even worse in the long-run. By becoming debt-free in the next 12-36 months using our debt settlement program, you can achieve a more secure financial future.

By becoming a member of Superior's debt settlement program, you will:

ü Save one low monthly payment in your own personal "Special Purpose Account." Superior appoints a third party administrator to keep your account at an FDIC-insured bank, until such time as you have enough in your Special Purpose Account to negotiate a debt settlement with your creditors.

ü Let Superior engage in tough debt negotiations with your creditors to eliminate up to 50% or more of your unsecured debt.

ü With debt consolidation programs you are still paying 100% of your unsecured debt. Our debt settlement program allows you to pay only a fraction, and you never pay back the debt we settle on your behalf.

ü Get your creditors to waive some or all of your late fees.

ü Avoid the stigma of bankruptcy that can follow you for 10 years.

ü Become debt-free far sooner than with debt counseling or debt consolidation programs.

ü Minimize creditor phone calls and stop creditor scare-tactics and harassment.

ü We will pay for the first three cycles in credit restoration program of your choice in order to restore your credit rating.

Debt Settlement can Reduce your Credit Card Debt by More than 50%

2008-05-31T04:16:00.000-07:00

Why choose Superior Debt Relief over any other debt settlement company? Quite simply, we are the best. We were one of the first debt settlement companies and have been a trailblazer in the industry for 10 years now. We were the first debt settlement company to offer 3 cycles of credit restoration upon completion of our debt settlement program. We aggressively lobby in Congress to fight for your rights and get legislation passed to stop unfair credit practices. And though many debt negotiation companies have emulated our business model we continue to lead the way, offering not just debt settlement, but complete debt relief. Many, if not most, debt consolidation / credit counseling programs will irreparably damage your credit, saving you little or no money, and this process may take a very long time. Of course, debt negotiation also has drawbacks: be prepared for a more difficult short term struggle, FICO scores will suffer initially, and you must commit to a more fiscally responsible lifestyle. This is why we are also committed to providing you a quality of service, expertise, and value without rival in the debt reduction industry. We are recommended and praised across the internet, BBB approved (upholding one of the few exemplary records in the debt consolidation industry), while the long-term relationships we have developed with the credit card companies and collection agencies have firmly established Superior Debt's reputation for results- we encourage you to research more!

Credit Card Debt
Credit card debt is like gaining weight - easy to get; hard to lose. But losing weight is not impossible; neither is getting out of debt. Just like you can shed those extra pounds, you can get yourself out from underneath all that debt and avoid bankruptcy. It takes hard work, discipline and getting the right kind of help.

Having a lot of credit card debt is not uncommon. Many consumers, whether due to a job loss, major injury or overspending, see a large portion of their monthly income being swallowed up by credit card payments. Most are only able to make the minimum payment and soon find that the balance is increasing (or at least not changing), which is even more frustrating and stressful. Know that the credit card industry is a multi-billion dollar a year industry and your minimum payments each month help to make that possible.

Debt Plans

Take control of your debts with debt help plan from the UK experts.

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compare credit cards

2008-05-31T03:56:00.000-07:00

Compare Credit Cards

Welcome to UK Financial Options, the one-stop site for all information you need to know about finding your next credit card, loan, savings accounts or current accounts. We provide easy to use tables that provide all the information you need to make an informed choice including the products features, rates and offers all at a glance.
Compare, Choose and Apply for your Credit Card right away!!!

We constantly monitor the latest credit card options available on the net. Our vast database of credit card information will help you in selecting a credit card that suits your way of life. At ukfinancialoptions.co.uk, we pride our self on continuously monitor the credit card market in order to bring you only the best credit cards and credit card deals available in the market. Our site has up to date information on all types of credit cards - from Reward Credit Cards to Zero Interest Purchase and Balance Transfer Credit Cards. We also have various types of Business Credit Cards, Low Apr Credit Cards, Air Mile credit Cards, Charity Credit Cards and Football Supporter Credit Cards. Compare all these Credit Cards at a glance with our easy to use comparison tables.

Our site helps you in comparing the various credit cards rate, annual fees and other additional features. While applying for a credit card, the credit card company usually asks an applicant to fill in a credit card application form for procuring all personal details like the saving and current bank accounts in the UK, for completing the mandatory security checks.
Choose a Loan, Savings or Current Account that suits you!!!

At ukfinancialoptions.co.uk we believe that choosing any current or savings account, loan, whether secured or unsecured, is a big step, so we endeavour to give you the bigger picture and more choice at a glance without the need for you to search a thousand sites in order to find the product that suits you.
Up to Date and at a Glance!!!

All the information on our financial products is updated as they change so you can be sure of up to date information at all times. We carefully coordinate our tables to make the task of comparing the financial products as easy as it can possibly be.

If you want to stay one step ahead and know the hottest financial deals before the rest subscribe to our free "Hot Options" newsletter by clicking on the "Hot Option" link on any page of this site.

At Ukfinancialoptions.co.uk our goal is to provide a resource where consumers can search, compare and apply for the best credit card offers online. Our long list of credit cards includes credit cards from some of the well-known credit cards like Egg credit cards, MBNA Platinum Plus credit cards and Football credit cards.

Egg Credit Cards

Egg now offer 12 months at 0% interest charged when you transfer your balance from another card issuer to the Egg credit card. Also you get 0% interest for 3 months on all your purchases. You can compare the pros and cons of all aspects of this card on our comparison tables.

The Egg card is an established brand for over 5 years and is was started by the Prudential. They offer other financial services under the Egg brand, but their card is probably there most well known product. All Egg products are managed online.

Using Credit Cards Responsibly

Most finance products such as loans, over draughts and credit cards need to be used responsibly, but credit cards in particular are the most common to be abused.

Here at UK Financial Options we like to advocate sensible use and therefore we have many articles on this site to give you information about all aspects of finance and in particular credit cards. The reason is that it they are so easy to use and can be used at literally millions of places throughout the world.

This is why we have tables to help you easily and quickly compare credit cards, but there is more to this site than just comparison tables. We have many pages of useful information which will help you find information on all aspects of finance and in particular credit cards. So please click one of the links below to see our huge selection of wisdom and take advantage of it. All these pages have been written by financial experts and there are many good tips. Some of them will give you advice about how to find the best credit cards and how to get the most out of balance transfer deals. Where to get help if your plastic bills get to large. Also they include many other pearls of wisdom. Once you have read these pages of information you will be in the best position to compare credit cards using our easy to use tables.

Also another great resource on anything to do with anything on finance is www.moneymadeclear.fsa.gov.uk. This site is government run site so the information it gives is impartial. Also if you have problems with debt a good site to visit is Citizens Advice or Direct Gov Page On Debt. All of these sites are non profit making sites so they are ideal for persons in to much debt.

Finance Services Authority

The Finance Services Authority is a news site for consumer information. At the FSA they also regulate the financial services industry in the UK. They are independent of the government. Basically what the FSA does is investigate claims, enforce rules, and create new rules. They are speaking for the consumer regarding anything financial. In fact in recent news you probably have heard about the claim against the credit cards for unfair charges. The FSA has to look into these claims in order to help the consumer as well as the Office of Fair Trading. The FSA regulates exchanges and firms, as well as other financial markets.

Now that you know a little bit about the FSA and who they will regulate, let’s delve further into what it can do for the consumer. The consumer needs a voice to speak for them so that they are being treated fairly, but how do you know what is unfair or what can be regulated? At the FSA they provide up to date news articles regarding the current financial state of the UK in a variety of topics. They will allow you to file claims against a business regarding unfair practices. The FSA is also working closely with the police and government to find better ways to protect your identity from crime. As crime rises the FSA has a monumental task of make sure you know how to protect yourself from fraud and identity theft.

Along with helping to protect you the FSA will help you shop around on the internet or in other areas to compare financial products. They offer comparative tables and a full analysis of the information. At FSA they will help you to plan your financial future, offer the phone numbers you may needs, and find out what regulations are being revised or created.

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