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There’s an old saying that goes a little something like this… ‘Don’t wait until you’re thirsty to build your well.’ And if you apply that mantra to the dreary world of life insurance, you can rest assured that you’ll never go thirsty again.

Life insurance is something that many people only tend to think about once a set of unforeseen circumstances arise. But if life has taught us all one thing, it’s that you never know what’s around the corner!

No matter who you are or what you do for a living, you should make sure that you have some sort of life insurance policy. The younger you are, the more cost-effective it will be.

It is never too early to sort out your life insurance policy, but in many cases it can be too late. We just hope this guy built his well*!

*As it happens, he was alright in the end!

In the current economical climate, many people are struggling to make ends meet and working all hours sent to put a meal on the table.

Others are sitting on huge debts mounting up and have no job to even start clearing the debt.

And it is not just working class citizens that are struggling. Celebrities like Neil Morrissey and Kerry Katona who are used to leading the high life have found themselves in financial trouble and worrying how to maintain their lifestyle while repaying their debts.

Many people have considered the option of an IVA but don’t know the full ins and outs of how they work and whether they will be beneficial to their needs and requirements.

Well we at IVA.net have come up with a list of advantage and disadvantages to an IVA and whether the process will benefit you, please contact us for IVA advice.

Advantages

1. If you are being harassed by creditors then an IVA can stop this from happening. Once your application has been passed, debt collectors can no longer legally pursue you if you keep up with the regular repayments.
2. An IVA can protect your family home. If you declare yourself as bankrupt, this would be lost.
3. You are still able to keep your professional job. This is critical for people working in finance, accountancy, Government and law.
4. An IVA isn’t printed in the local press or London Gazette, like bankruptcy is. It can be identified on the government insolvency website but very few people check this allowing you to get on with your life and debts in private.

Disadvantages

1. The repayment period is five years and many people are unable to keep this going because of unexpected life events.
2. Not everyone is able to keep his professional status. Some people are removed from their jobs as no difference is made between bankruptcy and IVA.
3. If an IVA isn’t agreed at the meeting of creditors, bankruptcy is still a possibility.
4. If personal circumstances changed during the IVA period it is expected that a higher contribution is made towards the IVA agreement. For example a lottery win or an inheritance.
5. You are unable to take out any further unsecured credit during the term of the IVA.

If the debt is paid over the full 60 months all remained debts will be written off. It is important to read as much information as possible before making decisions like these to find out whether it will really work in the benefit of you and your family. www.iva.net

Don’t spend a fortune on cards this Christmas, send free e cards with ecards.co.uk
As Christmas approaches and the usual ‘Don’t get me a present, just get me a card’ comes into play, you immediately think ‘Great, cheap Christmas for me.’

It’s only after you arrive at your high street card shop and find your £10 on cards to mum, dad, bro, sis, grannies and Aunty Pat, doesn’t really go a long way.

Well luck is in order for you this Christmas with ecards.co.uk. The website features a wide range of different christmas cards and greeting cards that you can send to your loved ones for absolutely free.

The ecards website is perfect for you to send personalised Christmas wishes to your friends and loved ones. Simply visit the site, choose your favourite ecard and send it on to their email.

And if your granny doesn’t have an email, then set her one up and tell her she has an extra present and  e cards for Christmas. Should keep you in the good books for a while and possibly get an extra tenner in your Christmas card (Unless she already uses e cards; then unlucky for you!) In fact, ecards are the perfect way to say how you feel in a different but very special way. From happy birthday, well done, good luck, and I love you, you can say what you want and how you want it for absolutely free at ecards.co.uk.