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my name is saif

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you can spend it without any transactions

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naimurs opinion: cheques are issued by banks they have a specific amount of money that is verified by the indviauls signature

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naimurs opinion: cheques are issued by banks they have a specific amount of money that is verified by the indviauls signature

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it can be forged easily

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The First Direct Cash e-Isa pays between 0.5pc and 3pc, depending on how much you save. You can transfer in previous years' Isa allowances and you can apply for and manage the account online, by post or by telephone. You must have your current account with First Direct to qualify.

Andrew Hagger of Moneynet.co.uk said: "At first glance this looks a good deal, with rates of up to 3pc, transfers in permitted and instant access. However, those two small words 'up to' make a very big difference for many savers.

"If you've got £40,000 plus then you'll qualify for the 3pc rate, but a tiered rate structure means that if you've got between £10,000 and £20,000 your rate is only 1.7pc and for balances below £5,000 it falls to a measly 0.5pc."

Nationwide Smart Junior Isa

The Smart Junior cash Isa from Nationwide pays 3pc, which includes a bonus of 0.9 percentage points until the end of October 2013. The account can be opened with a deposit of just £1.

For more information, call 0800 302010 or go to www.nationwide.co.uk.

"The UK's biggest building society offers a very competitive return of 3pc variable until October 31 2013 at which time it will revert to 2.1pc, but you can get a similar rate from other big high street names such as Lloyds TSB and Halifax, as well as a dozen smaller building societies," said Mr Hagger.

Building a savings pot for your children or grandchildren is vital if you want to give them a financial head start when they reach 18 years of age.

Nationwide offers a range of smart rewards for Junior Isa members (aged between five and 17), including savings on learning activities and fun events. A good package, but you may want to review your option when the rate drops in 18 months' time.

Santander Direct Easy Access Cash Isa

This account from Santander currently pays the market-leading rate for an instant-access Isa at 3.3pc. With an introductory bonus of 2.8pc for the first 12 months, savers will need to mark the expiry date in their diaries in order to avoid a paltry rate at the end of the term. This account allows transfers in previous years' Isa balances and the account has a minimum balance of £2,500.

For more information, visit www.santander.co.uk or call 0800 389 9875.

Santander two-year fixed-rate Isa

This market-leading Isa from Santander is paying 4pc, with an extra 0.1pc added to the rate if golfer Rory McIlroy wins a major championship. This account permits transfers in, but no partial withdrawals during the fixed term are allowed. On early closure, a charge equivalent to 120 days' interest will be applied and no additional one-off bonus will be paid. Money experts have said that the McIlroy promise is a "marketing gimmick".

To find out more, visit www.santander.co.uk or call 0800 389 9875.

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The First Direct Cash e-Isa pays between 0.5pc and 3pc, depending on how much you save. You can transfer in previous years' Isa allowances and you can apply for and manage the account online, by post or by telephone. You must have your current account with First Direct to qualify.

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With a Credit Card you are able to get things from shops using your credit card to pay for them

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the most easiest way of payment

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You pay using money.

The transaction process is very quick.

No.

Disadvantages- Fake Notes, Giving change

may causes difficulties, theft.

Advantages- Quick, face-to-face interactions

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How does paypal work?

PayPal lets you send money to anyone with email.

How quickly does paypal work?

It takes the money straight away

Are there any costs associated with paypal?

PayPal fees mainly apply to sellers, who pay a 2.9% transaction fee on the total sale amount plus a $0.30 fee per transaction.

Upsides?downsides?

The Advantages of Paypal:

1. PayPal is quick and easy for buyers to use, especially if they already have a paypal account.

2. It is cheaper and easier to qualify for a PayPal account than a business merchant account.

2. Ebay owns Paypal, so if you spend a lot of time on eBay, having Paypal comes in handy. A lot of ebay sellers only accept Paypal payments.

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How does a Debit card work?

Customer hands over debit card, shop assistant puts card in chip and pin machine and the amount is taken electronically taken from customers account and adds to business's account.

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Automatically takes money from your current account

The transaction is instant

There are no fees associated with it

Upside: Automatically pays fees such as your tv licence

Downside: You could not have the money needed to pay for the item and as it doesn't warn you could get prosecuted

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You can recieve gift vouchers from shops like...e.g.Argos after spending a certain amount. Gift vouchers can expire after a certain amount of time. They can take money of your next payment at the shop.

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How do e-cheques work?

How quickly do e-cheques work?

Are there any costs associated with e-cheques?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!

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How does Direct Debit work?

How quickly does direct debit take to process?

Are there any costs associated with direct debits?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!

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How does a Credit card work?

How quickly does a credit card process a payment?

Are there any costs associated with credit cards?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!

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How does a Debit card work?

How quickly does a debit card process a payment?

Are there any costs associated with debit cards?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!

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How does cash work?

How quick is it to process cash?

Are there any costs associated with cheques?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!

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How do cheques work?

How quickly does a cheque process?

Are there any costs associated with cheques?

Upsides? Downsides?

Add an image using Google Images and copy URL via the link below!