The fact that Valentine’s Day has devolved into another commercial gift-giving non-celebration is a terrible shame. It’s not Christmas, it’s not a Birthday; instead of just buying a gift, do something romantic. Here are some ways to make an effort and bring some of the soul and romance back, without having to spend money on expensive gifts.
 
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Described on the cover as "a step-by-step guide to strategies, applications and skills", this new textbook by Clive Marsh is a tremendously clear and practical analysis of financial management.
 
The book is aimed primarily at students of accountancy and finance (Marsh lectures at the Chartered Institute of Bankers) but will also be an extremely useful reference book for practising professionals including accountants, bankers, fund managers and lawyers - and is actually quite readable for the layman who wants to know more.
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A Cash ISA should be the first consideration for any UK-based saver, as they allow you to deposit a set amount each year, and earn interest on it tax free.

The amount you can save changes every financial year, but currently it stands at £3,600 tax-free for under fifties, and £5,100 for those over fifty.  However, this is due to change in April 2010, to allow all savers to be eligible for a cash ISA to deposit £5,100 tax free.

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People these days are living longer and staying healthier well into their old age. Planning for your future past the working age is, therefore, an important consideration. Some people will spend a third of their lives in retirement. Although this may sound good on paper, it is essential to understand where the money is going to come from if you’re not making a regular wage.

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Happy New Year! Like most of the UK, by now you've probably made and broken your new year's resolutions, been trapped in your own home by snow, and are suffering from post-Christmas financial blues. Here's a tip that should help you get through the rest of the winter: use what you already have. You'll have a lot of things lying around at home that you haven't made use of. By using these things you'll create some space to store everything you got for Christmas and hopefully you'll also save money.

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As the recession continues to affect family finances, more households are trimming back on their insurance cover in a bid to save money and make ends meet. The danger, however, is that money-saving short term could prove very costly in the long term.

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You may know them as a highly successful American country and rock band, but listening to The Eagles can also provide sound financial advice concerning spending and investments.

“Desperado, why don’t you come to your senses?”

-Desperado

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This Hallowe’en why not confront the evil spectre of money management head on? Sounds scary and you’d rather be partying? Well this is one broomstick you might want to catch.

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