Articles by Laura Whateley:
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5 Things to Understand About Ethical Investing Before Getting Started
Ethical investing is an investment approach where you select investments based on ethical principles. Learn five things about ethical investing including how you define ethical and how to spot greenwashing.
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Do you have good credit? Here’s what you should know about applying for a personal loan
Credit bureaus define "good credit" differently: it's 881-960 for Experian; 531-670 for Equifax; and 605-627 for TransUnion. If you have good credit, you can afford to shop around and compare the best rates for personal loans.
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Credit Builder Loans Explained
A credit builder loan helps those with poor credit scores or limited credit history to demonstrate creditworthiness. Borrowers agree to fixed monthly payments, which helps build up their score, as long as they repay the loan in full.
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Loans for Fair Credit: What to Know Before You Apply
If you have a fair or average credit score, you can still access a range of loans and credit options. However, you may find you face higher interest rates than someone with an excellent credit history.
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How to apply for a loan and get approved
Whether you have excellent credit, fair credit, or limited credit history, applying for a loan can be nerve-wracking. Fortunately, you can learn how lenders determine loan eligibility, giving you insight into which loans you might qualify for before applying.
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What it Means to Declare Bankruptcy
Bankruptcy is a legal tool to resolve overwhelming debt. When you declare bankruptcy, the court will use your assets to help clear the debt you owe on your behalf, ending your relationships with your creditors.
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How to Use the Debt Snowball and Debt Avalanche Methods
With the debt snowball, you pay off debts in order from smallest to largest. With the debt avalanche, you direct extra cash toward the debt with the highest interest rate.
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Understanding the Main Types of Debt
Understanding the main types of debt can help you find the best way to borrow and make repayments. Read on to find out how each type of debt works and whether it could be right for you.
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What is Debt and Does it Affect You?
Debt is created when you borrow money from a business or person. You’ll usually have to repay the money you owe plus interest to the lender. Having debt isn’t always bad as long as it’s managed well. Read on to find out exactly what debt is and how it affects your finances.
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Your Guide to ESG Investing
ESG investing is where you take into consideration a company’s environmental, social and governance stance when deciding where to put your money. In this article we cover what ESG is, why it matters and how investments can meet certain ESG criteria.
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How to Make Ethical Financial Choices
Ethical money solutions help us do some good for the planet with our everyday finances. Read on to learn more about ethical financial solutions including ethical current accounts, savings accounts and ISAs, mortgages and green energy tariffs.
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How Ethical and Sustainable Investing Can Shape Your Investment Choices
Ethical and sustainable investing is when you align your moral priorities with the investment choices you make. Here we discuss how to cut through the jargon, so that you can understand the differences between “ethical” and “sustainable” investments and how to invest ethically.
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What Is a Beneficiary and Who Can Be One?
A beneficiary is someone, or several people, who you want to leave your financial and physical assets to when you die. Learn more about beneficiaries and how they are different from executors and trustees.
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What You Need to Know About Power of Attorney
Power of attorney is legal permission that another person can take control of your private affairs when you are no longer able to do so. Learn how it can impact your financial and personal affairs and how to register and change your power of attorney.
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How to Write a Will
A will explains how you want loved ones to inherit your money, property and belongings when you die. It doesn’t have to be expensive or lengthy to be legally binding – in fact, it’s possible to make a will yourself, provided it has been correctly witnessed and your affairs are not complex.
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Estate Planning: What to Consider
Estate planning helps you to arrange how to leave your money, property and possessions to your loved ones when you die. From writing a will to minimising inheritance tax, here are the building blocks of an efficient estate plan.
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Student Maintenance Loans: What to Know
A student maintenance loan can help you pay your living expenses while you study.
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Student Loans: What You Need to Know
There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.
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Tips and Tactics for Repaying Student Loans
There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.
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Student Loan Repayment Plans and Facts to Know
Your student loan repayments are tied to earnings after university, and many graduates will never have to repay their loans in full.
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People Who Can Help First-time Home Buyers
First-time home buyers don't have to pay fees to an estate agent, but there are other professionals you will have to work with.
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When to Buy a House: Factors to Consider
Worries about a market downturn shouldn't steer your decision. Instead, focus on why you want to buy and different matters of timing.
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8 Tips for First-Time Home Buyers
Whether you’re a first-time buyer or moving onto a new home, buying a house can feel overwhelming. Here are some tips to help make the process of buying a house run more smoothly.
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