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How Hard Does Your Money Really Work? We tend to think about money as a means to pay for things, but it can actually do a lot more for you than you might think. If you have your own business it is particularly important to manage your money effectively. Win the Lottery by Playing Clever There are millions of people all over the world who share the dream of winning a lottery jackpot, and a growing number are trying to improve their chances of making that dream come true by playing clever. Bemused by banking options? How do you know when a new financial offer is the right one for you? With a quick check over your current financial situation and a browse through the available offers, you may just find a new way to save yourself some money. Going Back to University? Relish Your New Found Freedom and Independence! Going to university can be daunting. However, by your second year you’ll have become experienced in the art of living independently and relish the idea of going back, not least to set up a new home, away from student digs and undesirable flatmates. Car Finance for Everyone: Finding the Best Deal Most people will need to arrange a car credit facility when buying a new car. And as with any long-term financial commitment, it pays to shop around for the best interest rates, as just a few percent can mean thousands of pounds in the long run. Hadrian Set to Conquer London, Again. The British Museum in London is presenting a marvellous exhibition featuring the life and times of Emperor Hadrian until autumn 2008 and it is expected to draw many visitors to the Capital. Time for Tea in Beijing? When in Beijing, immerse yourself in true Chinese culture by visiting a traditional tea house to sample some of the aromatic and refreshing teas on offer. But remember to observe etiquette! Feeling the Squeeze: Riding Out the Financial Storm Homeowners may be feeling the squeeze of the credit crunch most, but it still affects pretty much everyone. But by showing a little frugalness and separating ‘essentials’ from ‘luxuries’, it may be possible to survive a potential financial crisis. Dublin: The Home of Guinness Ireland may be famous for many things, but Guinness is usually the first thing that springs to mind for most people. And the only way to know whether the famous Irish stout travels well or not is to go direct to the source in Dublin. From the Car Credit Highway to the Motorway The demand for cars will always exist as the freedom they bring will always be craved; credit and financing options are out there to help add car keys to the items in your pocket. Credit Crisis: Blip or Full-Blown Recession? 2008 has seen the credit crisis enter into its second year and economists are still divided on whether it is merely a blip or a full-blown recession. The Pizzazz of Prague’s Music Scene The city of Prague is a hidden jewel for anyone with an appreciation of music. Ranging from jazz and pop to classical and soul this tuneful city offers a great alternative choice for those seeking a city escape. David Vs Goliath?: The Global Arguments Over Interchange Fees Across the US and Europe, retailers and consumers are chastising credit card companies Visa and MasterCard for their ‘interchange fees’ – the amount they charge retailers for the privilege of accepting their cards. But is this a clear-cut case of David versus Goliath? Traffic jams are stressful, right? Think again! People can find driving a stressful experience, but it doesn’t have to be that way. In actuality, driving has been proven to be a great way to alleviate tension. Just ensure you follow some basic rules and have a solid car insurance policy in place. Dial H: A History of the Telephone Directory Since the development of the telephone in the 19th century, the telephone directory as we know has been around for many years and in various formats. Football: Playing The Money Game Each year football fans up and down the country spend thousands of pounds on season tickets, club shirts, travel, food and beer. And with ever-rising prices and the addiction of the beautiful game, more and more supporters need support themselves! How to Buy Your Very First Car Matthew Pressman writes for a wide variety of commercial clients. This article is intended for information purposes only and readers should seek additional information before taking any actions based on its content. Eco-friendly Car Hire: Economical Renting, Environmentally Friendly Climate change is a major concern in today's society and has motorised vehicles partly to blame for this. However, here are some guidelines on how you could not only do your bit towards preventing climate change, but save on fuel and money too. Bursting the Big Black Financial Cloud The impact of the recent economic downturn has been widely covered in the press. Everyday bills for shopping, heating and travel have all increased above the rate of inflation but there are ways you can reduce the blow. Car Market Still Strong Despite Credit Crunch Despite the current economic climate and the credit crunch affecting millions of people across the country, thousands are still enjoying buying and modifying their cars. The New Dubai: A Destination for Everyone When you’re looking to get a bit more from your business trip or family holiday, choosing a serviced apartment over a hotel room can bring a number of enjoyable benefits, and nowhere does them better than Dubai. The Exclusive Haunts of London's Elite A bustling metropolis of sights and sounds, London has long been a favourite city of celebrities and the social elite, with a host of bars, clubs and spas. Cashing in: More retailers move to online trading Selling products online is the perfect way to save on overheads. But in order to cash in on this innovative slice of business, you need to be able to accept payment via credit card. Is your business prepared? Avoid Being Hung Out To Dry With A Bad Loan Deal While it might be easy to obtain a loan, it doesn’t mean it is a decision that should be taken lightly. Shop around, read the small print and don’t get hung out to dry. A Guide to Compensation Claims Claiming compensation can be a confusing arena, but the rewards could really help victims in those cases where they have had an accident or sustained an injury at the fault of a third party. Supply chain management software set to top the sales charts Supply chain management software has steadily grown in complexity and popularity over a 30 year period and experts predict it will become one of the most popular business specialist software applications by 2010. Journey to the Magical City of Architecture: Prague Many people visit Prague for its beauty and culture. Visitors are able to find a wealth of sights and activities to keep them occupied, but exploring the city’s diverse architectural styles is one of the best ways to experience this great city. A Little Advice Goes A Long Way It is no secret that life costs money, and how much you spend can take its toll your future plans. However, with a little thought and planning, its possible to plan for the future, while living for the here-and-now From aspiring art buff to art world connoisseur: London’s galleries cater to all Matthew Pressman writes for a wide variety of commercial clients. This article is intended for information purposes only and readers should seek additional information before taking any actions based on its content. Sicily Offers Much More Than The Mafia The Italian island of Sicily has long been thought of as the birthplace of the Italian mafia. What is often overlooked, however, is the island's stunning scenery and architecture that dates back around ten centuries. Take A Stroll Down Wembley Way Wembley Stadium has been an iconic landmark in London for close to a century, with many of the UK's favourite collective memories occurring in the hallowed grounds of the stadium. Making, and keeping, friends at university Moving to university can be a daunting prospect, knowing that you'll likely not have any friends at the beginning. However, if you remember that most people will be in the same situation you'll realise there's nothing unusual about a little apprehension. Think Before Buying a Home The market for mortgages has gone through significant changes in the past few years. Therefore, before you set your heart on your dream home it is important to do your homework on all the costs involved with the various mortgages available. Ideas to get your child reading With so many forms of entertainment available these days, many parents worry that their children don't read enough. The answer can often be found by looking back in time, as your favourite childhood books may well become your kids' favourite as well. Keeping people abroad updated with your child's development Once you have a child you'll notice that a lot of people will want to help with its upbringing and to be kept updated with his progress. If you live in different countries this is harder, but not impossible. Festival Fashion: What To Wear At a Music Festival Camping, queuing for toilets and the actual artists themselves are often highlighted as the key points of a music festival. Whilst fashion might not be an immediate thought, what you wear could influence how much you enjoy a festival. There’s more to Manchester than Meets the Eye Considered the culture capital of the North, Manchester’s arts and culture scene offers a world-class array of delights to provoke thought and inspire the mind. The Best Way To Grab The Starring Roles Everyone knows that Hollywood stars seem to stay looking young forever, but how do they do it? Staying Safe On Your Motorbike Safety is of paramount importance for all road users, but motorcyclists are particularly at risk if they don’t take the right precautions. Teens at high risk of involvement in road traffic accidents Reports have found that road traffic accidents are the leading cause of death for 15-19 year olds throughout the world, with road accidents also being the second most likely killer for both 10-14 year olds and 20-24 year olds. Injury claims can lend a helping hand Sustaining an injury due to an accident can result in both physical and psychological damage. If the accident has occurred due to third party negligence, it is important to know your legal rights and how you can claim for compensation. Day to day savings ensure the unexpected is taken care of Financial investment is an intelligent way to plan for the future. By choosing the right savings account, it is not only possible to safeguard one’s life post-employment, but it can also help to be more prepared for the unexpected. English Football and the football pools A brief history of English football, including the pivotal moment when the introduction of the football pools started a new Saturday night tradition! House-buying rules: the basics of buy-to-let There are differences between ‘buy-to-let’ and ‘buy-to-live’ mortgages. With buy-to-let, more money can often be borrowed due to the projected income from the rent, but extra consideration must also be given to the location and intended target group. How To Protect Yourself Against Unforeseen Events Life is always packed with surprises, and not all of them are pleasant. That’s why it’s a great idea to plan ahead. Leave your phone at home this holiday In the last ten years internet communication has improved significantly, meaning holidaymakers would be advised to leave their mobile phones at home this holiday. Food for thought: too much choice is no bad thing in the mortgage world When looking to buy a house, it’s important to fully understand the many ins and outs of the mortgage process before making any commitment. And by knowing the right questions to ask, this will ensure there will be no nasty surprises further down the line. Top tips for your Spanish Holiday Spain has been one of Europe's most popular tourist destinations for years, a treasure chest of unforgettable scenery and vibrant nightlife, which can be enjoyed even if you're on a tight budget this holiday season. Bright lights, big city: New York, the city that never sleeps As a bustling metropolis that keeps going round-the-clock, it makes perfect sense that New York City is known as the city that never sleeps. And as the USA’s largest and most populous city, it’s little wonder so many people visit every year. Franz Kafka: His Influence on Western Literature Franz Kafka, one of the major German language fiction writers of the 20th century, never saw much of his work published, with the majority of it published posthumously, leading him to become a massive influence on European writers and a firm favourite among reading enthusiasts, after his death. A design for life: Milan, a city of high-class and culture Situated on the plains of Lombardy in Northern Italy, Milan truly does live up to its reputation as a major player in the fashion and design world. But with no shortage of other cultural highlights on offer, Milan really does seem to have it all. Do you have grounds for an endowment complaint? There has been a lot of talk in the news over recent years about endowments and how some have found they've been left high and dry. Many people still aren't sure what to do about it if they feel they have been short changed by their endowment policy. Famous Florence Medici spa uncovered After remaining hidden for almost 400 years the private thermal spa of the Medici family was rediscovered four years ago by a local estate agent. He promptly purchased the property and has now renovated the spa to its former glory. Who Knows What’s Around the Corner? Protecting yourself and your possessions against the unexpected can put your mind at rest and make life that little bit easier. Arranging the right insurance is a key factor in minimising the impact of those events you just can’t predict. The Best Museums In London For an educational day out in London, sampling some of the most exciting exhibits of the city’s museums can’t be beat. You just need to know where to go. Getting into the savings habit We’re often told that we should all be putting money away for the future. Most of us can see the sense in this, but in reality it’s not always easy to do. Thankfully, there are some things you can do to get started. Florida: mixing it up in America's 'sunshine state' For a holiday location that has something for everyone, look no further than America’s ‘sunshine state’. From sun and sand, to culture and wildlife, Florida certainly has it all. The Benefits of managing your money online Today’s busy lifestyles can make banking difficult. That’s why more and more people are switching to online banking, both for their current accounts and their savings. Make significant savings with an online savings account Banks are currently trying to get consumers to open online savings accounts, but what exactly are they and how do they work? Getting more for your mortgage money Shopping for mortgages is much the same as shopping for any other product. Look for the best deals, compare rates and establish what type of mortgage is most suitable for your personal circumstances and requirements. China’s first emperor gives way to Roman ruler at British Museum The British Museum is about to put on its second prestigious exhibition in the Reading Room of the British Museum. “Hadrian: Empire and Conflict” will be opening in July in the same space that was occupied by the First Emperor of China and his Terracotta army. People Power – Still Going Strong in Leeds! The recent announcement by Leeds City Council that the annual Half Marathon was to be scrapped saw a protest the likes of which the city had not seen in decades, proving that simple protests can still make a difference, even in this day and age. Lending a leg-up – the history of mortgages Mortgages are essential to the fabric of modern society, enabling people to buy a property without having immediate access to thousands of pounds. The development of the modern mortgage, like many things, has its roots in the land. Worried About How to Water Your Garden? There are a number of watering methods and systems that allow gardeners to prevent many of the problematic aspects associated with watering. More men opting for skincare products As recently as ten years ago many men, especially those over 40, would not consider using male cosmetics; now men of all ages are buying significant amounts of age-specific products, with the market predicted to grow exponentially over the coming years. Home is where the art is: London as a city of culture From the classic iconic images of Big Ben and Tower Bridge, to the distinctive William Morris Gallery and Victoria and Albert Museum; there’s no doubt that a visit to London reaps great rewards. Home is, indeed, where the art is. Save yourself a small fortune with a great ISA deal It is the start of a new tax year, and for those who failed to make their most of their tax free savings in 2007-08, opening an ISA should be a new 'tax' year's resolution. Bristol’s best, on two wheels or two legs Bristol is an often-overlooked gem of a city, with a long history and a stunning harbour setting. This compact city is a great place for a short city-break and signing up for a fun run or cycling event is a great excuse to visit a new city. How to Keep Up With the Latest Trends It’s easy to get stuck in a rut with men’s fashions. But there is no reason to look anything less than stylish if you know how to keep up with the times. Don’t let your endowment catch you out 20 years ago, insurance companies were selling countless endowment policies as people believed that not only would it pay off their mortgage, but they would have extra cash left over at the end. Now, endowments are not looking like such a good investment. Paphos, Cyprus: Fall under Aphrodite's spell The Cypriot city of Paphos is the birthplace of the Greek goddess of love, Aphrodite; as a holiday destination, it offers tourists a wealth of culture, sun and fun. So much so, that visitors to Paphos are sure to fall under Aphrodite's spell. Big Five banks still firmly in charge of UK personal finances The big five banks still run the majority of the UK population’s day-to-day finances despite being less competitive and offering an often poor customer experience, but will that ever change? No, according to the latest research. Enjoy the unparalleled beauty of the Nile Egypt has long held an irresistible fascination and, with the man-made wonders of the pyramids and the fascinating ancient history of Luxor, it’s not hard to see why international tourists are flocking to the country to enjoy a cruise down the Nile. ‘Debt freedom day’ slips into March 2008 The amount of interest owed on UK credit cards and loans exceeds the amount that the UK population earned in total during January and February leading many experts to believe we are on the verge of a massive debt crisis. Millions of pounds in unnecessary tax to be wasted in 2008 Millions of British adults are predicted to squander millions of pounds in unnecessary tax in 2008, in what will be the biggest tax waste on record, with a rise of almost £1.5 billion from 2007. More people than ever checking credit records Aware that credit is now harder to get thanks to the credit squeeze many more people are realising the importance of having an up-to-date credit report, prompting a flood in enquiries to credit referencing agencies. The importance of building and promoting your company brand In the present day, businesses aiming for success must have their own strong brand image to stay ahead of competitors, with promotional corporate gifts being just one of the ways companies can solidify their branding image. Top tips when selling your home If you home is on the market then there are quite a few things that you can do to make a favourable impression and help improve the chances that you will sell your property quickly. Women are better drivers, fact Despite all the stick they get for their driving habits, women are, in fact, better behind the wheel than men. However, it seems the same might not be true when it comes to picking the best car insurance deals. Copper And Robbers: The Great Copper Robbery Thieves are putting themselves - and those around them - at severe risk of loss of life in their pursuit of copper piping, which is rated as highly valuable in the scrap metal market. The benefits of health insurance plans for road traffic accident injuries A health insurance plan can help provide you with real peace of mind should you require treatment following a road traffic accident. Think carefully before buying that dream motor Used car values for larger cars are predicted to drop faster than predicted in the light of increased vehicle excise duty. But, by considering the make and model of your used car purchase carefully you can protect more of your investment. Finding the hotel loyalty scheme that’s right for you Staying at a hotel doesn’t just have to be about enjoying the short time you’re there anymore, with hotel loyalty schemes encouraging visitors to think of the long term by offering points and air miles with every visit. Is the time for the rise of the electric car? Rapidly rising fuel costs and rocketing car duty may well push large car owners towards looking for alternatively powered vehicles, such as electric cars. Bad Brains: Punk’s powerhouse pioneers Bad Brains are widely regarded as one of the pioneers of hardcore punk rock. Not bad for four Rastafarian kids into reggae, who stumbled onto the British punk music scene. How Much Money Will Your Retirement Need? We all have a vague idea that we should have a pension to provide for our needs in retirement, but very few of us actually look at the figures involved. Here’s why we should. Make the most of your weekend in London Many visitors enjoy their weekends in London throughout the year, with a huge variety of things to see and do across the city. How Much Are Your Valuables Worth? When it comes to deciding who will get your assets when you die, it’s a common mistake to think only of the cash and the property. But there is a lot more to consider than that. With great prices and fewer crowds, there has never been a better time to visit Kenya As peace returns to Kenya there has never been a better time to visit this magnificent country. Lady Skaters Get Violent: Roller Derby The skater-punk sport of Roller Derby has come a long way from its origins in Chicago, and is a rapidly growing, girl power movement described as having the perfect combination of femininity and violence. Ancient Egypt comes to London: The Tutankhamun Exhibition The O2 arena's fascinating 'Tutankhamun and the Golden Age of the Pharaohs' exhibition is coming to a close at the end of August 2008; so time is running out for visitors to experience one of the most popular Ancient Egyptian showcases of all time. He’s no Darling to motorists In his first budget Alistair Darling has hit motorists hard imposing swingeing increases on vehicle excise duty. But, is it as he claims for ‘green reasons’ or as a cynical move to increase tax revenues? Novice guitarists under threat of Repetitive Strain Injury Repetitive Strain Injury (RSI) is a common complaint among assembly line and computer workers; but, recent studies have revealed that novice musicians, particularly guitarists, are under threat of developing the condition unless precautions are taken.

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