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1) Financial Crisis - Smart Money Guide
Author:
OTB Ventures, LLC
Category:
Finance
Where Should You Put Your Money?
The credit crunch is on everyone's lips, and for many families and businesses, times are getting hard. There has been a great degree of uncertainty throughout 2008, but when the Lehman Brothers investment bank collapse in early September, people quickly realised that the credit crunch was far from over. In fact, things got even worse in the aftermath. The banking system now looks in a worrying state; with an almost complete stop on inter bank lending, governm...
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2) A Summary of the Icelandic Banking Debacle
Author:
OTB Ventures, LLC
Category:
Finance
Since the collapse of the American investment banks Lehman Brothers at the start of September, the world economic crisis has leapt to the forefront of most people's minds. Perhaps what was most worrying in the weeks following this event was the collapse of the Icelandic banking system, in which hundreds of thousands of British savers had invested money. As the dust settles, it's now clear that savers will get their money back, but the past few months have been nervy times for many. The collapse...
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3) How to pay bills on time
Author:
OTB Ventures, LLC
Category:
Finance
There are a variety of ways to pay bills, from the traditional method of sending out your payment by cheque or money order through the mail, to stopping at the lender's offices and making a payment in person, to using the internet or automatic payment options. The right method is simply the one that helps you pay all of your bills on time and is the most convenient.
Paying Bills through the Mail
If you would like to continue to write cheques and mail them, you just need to get into a rout...
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4) Financial guide for students
Author:
OTB Ventures, LLC
Category:
Finance
Even before starting university or college, making financial decisions can have an impact on a student's financial future. And once at university of college, information is collated on a student's spending habits - from the way a current account is managed, the way credit card repayments are handled to any loans that the student may take on.
Many students take a gap year before enrolling at university. Taking time out to work during that period can consolidate any debts that form before ter...
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5) Teens Guide to Opening Your First Current Account
Author:
Adam Singleton
Category:
Finance
Opening a current account is usually a straightforward process, but if you are considering opening one there are a few things that can make the application process run smoother.
First of all, consider what you really want to use the account for. It might simply be having a place for your money that you can access 24 hours a day, or you might want to be able to set up standing orders and direct debits so you don't have to worry about missing a bill payment such as your mobile pho...
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6) Research the Current Account Market and you Could Come up Trumps
Author:
Isla Campbell
Category:
Finance
Current bank accounts are an essential part of life for most people. Providing a secure service in which to store one's cash, as well as offering various payment facilities, a current account can provide individuals with the means to effectively protect and manage their personal finances.
Over the years, and due to increased competition in the financial marketplace, value-added current accounts are becoming more popular. In addition to providing the standard facilities, which...
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7) Big Five banks still firmly in charge of UK personal finances
Author:
Matthew Pressman
Category:
Finance
Despite controlling the majority of the population's day-to-day finances, the UK's big five banks only appear nine times in the top 64 Best Buy credit cards, loans and savings accounts list issued by consumer magazine, Which?
But, despite their apparent lack of enticing offers the big five have a stranglehold on the country's finances, illustrated by the percentages of customers holding accounts with them. Almost 65% of credit cards, 53% of savings accounts, 50% of personal loan...
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8) The Banking World Is Changing
Author:
Ajeet Khurana
Category:
Finance
You may not have known this, but the most popular method for paying for things used to be with checks and with it came a variety of different problems.People could pay for things with money they didn't actually have and "float" the check a couple days before it actually hit their account. Many people were able to get out of financial binds this way but that is no longer the case.Today, the vast majority of checks written are turned into digital checks immediately. That means yo...
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9) Top tips for investing in your future
Author:
Adam Singleton
Category:
Finance
As you progress through your working life, your earning power generally increases in line with your skills and experience. This can be especially true if you have worked hard to make a success of your own business, as your earnings will reflect the work you have put in, rather than being capped by an employer.
If you find yourself in this happy position, it's a good idea to take a fresh look at your finances. When you have significant amounts of income and a surplus of cash co...
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