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	<title>The Bank Observer &#187; Personal Finance</title>
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	<link>http://www.bankobserver.com</link>
	<description>Welcome to my Blog</description>
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		<title>The Economy Plan</title>
		<link>http://www.bankobserver.com/the-economy-plan/</link>
		<comments>http://www.bankobserver.com/the-economy-plan/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 06:22:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Cellphones]]></category>
		<category><![CDATA[Mobiles]]></category>

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		<description><![CDATA[Saving money is on a lot of people&#8217;s minds these days. We are all cutting back where ever we can and with jobs hard to find, it is necessary to cut as much as possible.&#160; Cutting back on the minutes on your cell phone plan is another way to cut corners. If you are not [...]]]></description>
			<content:encoded><![CDATA[<p>Saving money is on a lot of people&#8217;s minds these days. We are all cutting back where ever we can and with jobs hard to find, it is necessary to cut as much as possible.&nbsp; Cutting back on the minutes on your cell phone plan is another way to cut corners. If you are not using your phone as much as you thought you would, then cutting back on the minutes your plan offers can save you some money on that bill.</p>
<p>Heavy users will need a plan with a higher fee but they can get several free hours and their rate for air time will be less. The description of minimal usage refers to under twenty minutes a month. If you only need the phone for an emergency to just so that your kids can let you know when they will be late, then an economy plan is right for you.</p>
<p>There is also a plan called the security plan. This is an active phone with no minutes on it, so it is emergency only calls. This give you peace of mind if you are traveling and want that connection to someone if you have trouble. Finding <a href="http://recombu.com/deals/">mobile phone deals</a> is still possible today, you just need to work with your carrier to come up with the best plan.</p>
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		<title>Online Car Hire Booking</title>
		<link>http://www.bankobserver.com/online-car-hire-booking/</link>
		<comments>http://www.bankobserver.com/online-car-hire-booking/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 06:22:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Car Hire]]></category>

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		<description><![CDATA[If you are in need of a rental car on the UK mainland then you will  be glad to hear that cheap car hire can be found in many areas.  You can go online and get a quote for any type of rental can that you  need and you should know that [...]]]></description>
			<content:encoded><![CDATA[<p>If you are in need of a rental car on the UK mainland then you will  be glad to hear that <a href="http://www.blisscarhire.co.uk/"><u>cheap car hire</u></a> can be found in many areas.  You can go online and get a quote for any type of rental can that you  need and you should know that your car can be delivered anywhere on the  UK mainland.</p>
<p>You will find that most rental locations have an efficient reservation  staff and can give you an immediate quote online. They offer low cost  minibus rental, young driver from 21 yrs of age and zero excess  residential for car rental. You can make a call and discuss your car  rental requirements. Rentals in Berkshire can be done an a secure server  and if you life in this area, your car can be delivered to your door.  You can also take the car outside the UK as long as you return it where  you picked it up.</p>
<p>There will be a charge to do this and you cannot take the car to either  Bosnia, Croatia or Greece.</p>
<p>One way rentals are not possible to  another country outside of the UK. One way car rentals are allowed from  Berkshire to London, Swansea to Berkshire or from an address in the UK  to Berkshire.</p>
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		<title>Save Money With Discount Codes</title>
		<link>http://www.bankobserver.com/save-money-with-discount-codes/</link>
		<comments>http://www.bankobserver.com/save-money-with-discount-codes/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 09:28:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Discounts]]></category>

		<guid isPermaLink="false">http://www.bankobserver.com/save-money-with-discount-codes/</guid>
		<description><![CDATA[Online shopping has become increasingly popular over the past decade. Many people enjoy the convenience of comparing prices and purchasing items from the comfort of home. Additionally, the use of discount codes can lead to substantial savings. Several websites, such as Retailmenot.com and Currentcodes.com, allow users to submit discount codes they have received from retailers [...]]]></description>
			<content:encoded><![CDATA[<p>Online shopping has become increasingly popular over the past decade. Many people enjoy the convenience of comparing prices and purchasing items from the comfort of home. Additionally, the use of discount codes can lead to substantial savings. Several websites, such as Retailmenot.com and Currentcodes.com, allow users to submit <a href="http://www.discountcodes.me.uk">discount codes</a> they have received from retailers and share them with an online community of bargain shoppers. Before making a purchase, a savvy online shopper can go to these websites, search for the retailer they plan to purchase from and copy a discount code to apply at checkout time, all for free!</p>
<p>The benefits of discount codes can range from free shipping, a specific savings percentage, or even free merchandise, such as &ldquo;gift with purchase&rdquo; offers. Shoppers can search via several criteria, including the name of the online retailer, most popular codes, and percentage of savings. An expiration date is often included in the code&rsquo;s detailed information, so bargain hunters can be sure that the code will not be rejected. Frequent discount code users can also include comments regarding the effectiveness of the code and the amount of savings they experienced. This helps other people who may wish too use the code,</p>
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		<title>Australian Superannuation Funds and Their Benefits</title>
		<link>http://www.bankobserver.com/australian-superannuation-funds-and-their-benefits/</link>
		<comments>http://www.bankobserver.com/australian-superannuation-funds-and-their-benefits/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 19:23:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Superannuation]]></category>

		<guid isPermaLink="false">http://www.bankobserver.com/?p=101</guid>
		<description><![CDATA[Managed investments are trusts where investors pool their funds to form a diversified portfolio, managed by a professional team, which allow them to benefit from potential capital gains and income returns.  If investors were to invest directly in equity market, they may not be able to figure out which is the best sector to invest [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-medium wp-image-102" title="Managed" src="http://www.bankobserver.com/wp-content/uploads/2010/03/Managed-300x208.jpg" alt="Managed" width="300" height="208" />Managed investments are trusts where investors pool their funds to form a diversified portfolio, managed by a professional team, which allow them to benefit from potential capital gains and income returns.  If investors were to invest directly in equity market, they may not be able to figure out which is the best sector to invest in and how many units to buy.  However, if these individual investors invest through managed funds, they can use the expertise of professional investment managers as well as benefit from economies of scale on costs.</p>
<p>Income that is generated from <a href="http://www.2020directinvest.com.au/investment-opportunities/managed-funds.aspx">managed investments</a> is paid monthly, quarterly and half-yearly. The distribution depends on the fund earnings that can be in the form of share dividends, rent from property, interest from fixed income investments and other capital gains.  You can take the income in the form of cash or even reinvest it back in the fund.</p>
<p>Apart from equity trusts, insurance bonds, property trusts, there are <a href="http://www.2020directinvest.com.au/investment-opportunities/superannuation.aspx">Australian superannuation funds</a> that are a good example of managed funds.  Superannuation is a very good way to save money and invest for retirement purposes. Thanks to the Superannuation Choice legislation, the majority of employees can choose to nominate their own super fund, rather than accept their employer’s default fund. The Australian superannuation funds can be a great way to accumulate a huge wealth of savings for your retirement so that you can enjoy the same or even better lifestyle that you were enjoying when you were working.</p>
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		<title>Are All Cash ISA&#8217;s Alike?</title>
		<link>http://www.bankobserver.com/are-all-cash-isas-alike/</link>
		<comments>http://www.bankobserver.com/are-all-cash-isas-alike/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 19:17:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Cash ISA]]></category>

		<guid isPermaLink="false">http://www.bankobserver.com/?p=98</guid>
		<description><![CDATA[When you&#8217;re searching for the best cash ISA, you may wonder if they&#8217;re all alike. The truth is that although all ISA&#8217;s do have the same basic characteristics, they&#8217;re not all the same. While certain rules are imposed by the government, providers can each make their own rules as well.
ISA managers set the rates that [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-99" title="isa9" src="http://www.bankobserver.com/wp-content/uploads/2010/01/isa9.jpg" alt="isa9" width="300" height="198" />When you&#8217;re searching for the <a href="http://www.isarates.org.uk">best cash ISA</a>, you may wonder if they&#8217;re all alike. The truth is that although all ISA&#8217;s do have the same basic characteristics, they&#8217;re not all the same. While certain rules are imposed by the government, providers can each make their own rules as well.</p>
<p>ISA managers set the rates that their institution will pay. This is why it&#8217;s important to compare providers to get the best rate that you can. They can also set their own rules about whether or not you can make withdrawals from your account and how often you&#8217;ll be allowed to remove money from your ISA.</p>
<p>Another factor that will differ between various ISA providers is whether or not you will be able to transfer your account for free. Many providers will charge you a penalty if you decide to transfer your account to a different financial institution.</p>
<p>Because ISA providers offer very different options on your ISA you need to make sure that you&#8217;re well informed before finalizing your account. Among other things, you should consider whether you will be needing to make withdrawals and if you plan to transfer your account when you find a better interest rate.</p>
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