1. It's a mistake to only care about the interest rate; there are also arrangement fees, insurance and prepayment penalties to consider. Many 'no fee' credit lines have a pre-payment penalty. This is how brokers and lenders make their money. Work out the ...

About two years ago, I had a go at commercial web site design. I put a medium-sized ad in a London classified ad paper. Nothing fancy: "Web designer seeks work ..." etc. This was expensive, about £500 for a month's run. Got a few replies. Lesson number...

1. Watch out for the 'Deal Of A Lifetime', the deal that seems too good to be true. The company may be saving money by cutting back on their level of service. 2. When getting a fixed rate: get a written statement which details the interest rate, how l...

There is no need to use the many middleman websites you will find via a search engine. Most of these are *bogus*, even the slick-looking ones. More and more banks are offering offshore bank accounts direct. Just get a list of banks in the country you're ...