Capital One Aspire World

Sounds earning money while shopping too good to be true? With Aspire World by Capital One your dream can become a reality. Every time you go shopping you can earn up to 5% cashback.

Read the following article and see how much cash back you could earn!

Characteristics

• 5% cashback for first 3 months (max £ 100)
• Up to 1.25 % cashback thereafter
• Manage your account online
• No annual fee
• Purchase protection insurance

Please note that cash withdrawals charge of 3.0% (minimum £3) applies. Therefore you should use your cashback card for shopping only.

Conditions

In order to apply for the Capital One Aspire World cashback card you will need to comply with several criteria:

• Be a UK resident
• Be 21 years old or over
• Be a homeowner *
• Have an income of £ 20,000 + a year

* If you are not a homeowner it does not mean that your application will be automatically rejected.

See how much cashback you could earn

When your application for Aspire World cashback card is successful you will earn 5% cashback on all purchases up to a maximum total cashback of £100. After the first three months period you will earn 0.5 % cashback on your purchases up to £5,999.99, 1% for purchases up to £9,999.99, increasing to 1.25% on all aggregate purchases from £10,000.

A guide to critical illness insurance

Unfortunately, many people can find themselves in a situation where their health no longer allows them to work. This is when having some kind of critical illness insurance cover will be essential. Here is a brief guide to the types of plan available and their average cost.

Types of Plan

At present there are plans that cover one specific illness or disease such as heart attacks and there are those known as critical illness plans, which can cover a whole number of diseases. While for the most part these plans will focus on the `big three`, that is, heart disease, cancer and strokes, most cover around 18 different, known medical conditions.

The exact plan you opt for here may depend on factors such as family history. For example, if there is a history of cancer in your family, opting for a plan which is specific to this illness may be the better option.

However, there are a number of other factors to take into account as far as plan type is concerned. For one, you will have the choice of opting for either an indemnity plan or one that involves a lump sum. Essentially an indemnity plan will pay out in relation to the treatment that is being received, while the latter will pay out a lump sum upon the original diagnosis.

Full article available at http://portal-loans.co.uk

HSBC Premier Personal Loan

Are you in a financially difficult situation and need money quickly? In today’s article we will describe a solution offered by HSBC. Get exclusive HSBC Premier Personal Loan and enjoy all the benefits.

Please note that HSBC Premier Personal Loans are available exclusively to HSBC Premier current account holders.

Characteristics:

• Borrow between £7,000 and £25,000
• Representative 6.1 % APR
• Fast application processing
• Professional approach and guidance
• Flexibility

However, please note that the representative APR may not be the rate you will be offered as that is subjected to the assessment of your personal financial circumstances.

Repayment holidays

One of the advantages of Premier Personal Loan is the option to apply for repayment holidays. You can either take a repayment holiday for the first three months or every January for the life of your loan. Nevertheless, you will have to pay more on interest as these will be charged even when you take a repayment holiday. Thus you will be paying more money on interests overall.

Make overpayments

You can also make overpayments without any additional charge which may help you to pay back your loan earlier and thus reduce the amount of interest you pay.

You can read the full article at http://portal-loans.co.uk