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Here is a recent financial advice report for people lucky enough to have savings:

Cash ISAs

Cash ISAs are a good place to invest as your
money earns interest without being taxed.
You can put away up to £3,600 a year and
you will generally earn interest upwards of
6% depending on which ISA you choose.
However, interest rates on instant-access
ISAs are variable and many change in
accordance with the Bank of England’s.
You can choose a fixed-rate ISA, which
guarantees a specific rate provided you do
not withdraw funds for an agreed term
(typically 1 to 5 years). The best thing to do
is shop around and choose an ISA that can
earn you the best interest rate while suiting
your needs.

Savings accounts

Another place to keep your money is in a
savings account. Although, interest earned
on this money will be taxed, competitive
interest rates are on offer as banks compete
to get hold of your money in the current
financial climate. The different types of
savings accounts are:-

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This day and age, you have to make sure you are familiar with the possibility that you could become a victim of ID theft. Since identity theft is on the rise, the chance of you falling victim to ID theft increases as each day passes.

Services such as LifeLock help to stop identity theft by placing a theft alert on your credit bureau report. So if somebody tries to open up a new financial account with your personal information, you will be notified first. This lets you confirm that you really want the new account to be opened, rather than someone trying to steal your identity.

LifeLock also continually monitors many sources, such as the black market, for suspicious activity dealing with your personal data. Identity theft criminals will trade personal data to make money. By monitoring the usual sites were such activities occurs, LifeLock is being proactive when it comes to credit card identity theft.

And because they offer a $1 Million Total Service Guarantee, LifeLock is really standing behind the fact that they can protect you from ID theft. If your identity is stolen while you subscribe to LifeLock’s service, they will pay up to $1 Million to fight your identity theft. This is definitely a comfort to have such a company standing behind your identity theft protection.

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