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PayPal Friends and Family – Be Cautious

If you have a PayPal account, then you have probably heard of PayPal Friends and Family. It is essentially a service that allows family and friends to transfer money to each other. Some sellers will ask you to buy their goods this way, but you should be very careful. They are basically asking you to do this because they do not want any sellers fees coming out of their PayPal account. This will happen if they use the normal, correct PayPal method. At the end of the day, if they are not your friends of family, then you shouldn’t buy any goods via this method. If you do choose to do as they ask, then PayPal Protection will not cover you; so always state you will only buy via PayPal...

Are you too young to be thinking about your pension?

There’s the old saying ‘you’re never too young to start saving’ and that’s the way you should always be thinking. Okay so when you hear the word ‘pension’ at 12 years old it isn’t going to mean much, but you’ll start contemplating it a bit more when you’re in your early 20s and that’s entirely normal. Think of it this way, the earlier you start your pension, the more years you can build up that  money. Thinking about your retirement isn’t normal at 20, but that day will eventually come, and you shouldn’t forget how important a pension could be. Many experts say you should put in to a pension as soon as you start earning, but there may be other items on your agenda; perhaps saving for a mortgage,...

Why Credit Scores Are Important and How To Find Out Your Own

The function of credit scores are to assign a level of risk to you as a debtor or potential debtor, so that any potential creditor can have a certain level of confidence about any application for credit that you make. The creditor then use that credit score to determine what they are prepared to loan to you, what the interest rate will be on that loan and what payment plan they are prepared to accept. If you’re somebody who has never had any debt before, any creditor who looks for your credit score will view you as a bit of a non-entity, and will likely refuse you any credit, particularly for big amounts of money like with a mortgage. To build your credit score in this situation is usually done...

How to Deal With False Charges

A lot of companies make mistakes when it comes to charging their customers, and for anyone who has been in that situation can attest to, it isn’t always easy to set the record straight. A lot of people will end up just paying the extra amount because they can’t be bothered to go through the standard rigmarole which companies put people through when they protest at a charge. The first step with any contested payment is to collect all of the contract details and any other information regarding your situation (delivery information or whatever else). You can then use that information to argue your case with the company, or if that doesn’t work, you can provide a governing body/watchdog with that information so that they can help you to sort...