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Understanding Finance: SavingUnderstanding finance also means you should learn about saving. The first step is to open a savings account. Banks will often waive fees associated with a simple savings account as long as you maintain a minimum balance and/or regularly transfer money from your checking account into savings on a set date each month.

You probably have several guns and a variety of ammunition options to choose from. Even those who love to shoot can agree that doing so safely is ideal and educating those around you is important. This sound is specifically known as Tinnitus and may be defined as a sound that occurs in one head without any external source.

Have you already got your first Samsung Galaxy Note 7 yet? I heard it is really hitting the market and when I checked out the specs I was wowed. It is the best phone I have heard yet for this century. You can do a lot of things with its powerful specs and of course you will get to experience that with also a powerful price.

While many of the Rohingya continue to focus simply on surviving from day to day in the camps, others are setting up businesses. Bustling markets offering fish and vegetables have sprung up along many of the main roads in the camps. Refugees have started barbershops, small grocery stands and restaurants.

Scamming is a multi million pound industry that reaps more than in the UK every day from hi tech scams to old fashioned cons.But the official estimates are that only five to 15 per cent of scams are ever reported.The stigma, embarrassment and shame means there’s a massive number that we don’t know about.”Scams are becoming more sophisticated because criminals take advantage of new technology and we’ve seen a rise in smishing fake text messages in the past year,” says Julie McArdle, customer security manager Royal Bank of Scotland.Julie McArdle, Royal Bank of ScotlandNow the latest Stopping Scotland’s Scammers series wants to show you how to stay one step ahead, to spot the warning signs and know when things are not what they seem.Hosted by Jackie Brambles, the STV show which airs on Monday’s is sponsored by Royal Bank of Scotland and exposes the human consequences of scamming.Jackie said: “We hope this fourth series will alert people to the fact that basic precautions are simply not good enough any longer. As consumer awareness of scams has risen, the response from the bad guys has been to take the level of sophistication of the tactics they use to a gobsmacking level.”We’ll be showing people how to protect themselves against this extraordinary onslaught of scams and reminding them that the classic trickster’s scenario of offering something that’s “too good to be true” still does fool people and nets the scammers millions of pounds.”This week, Jackie speaks to Christine, a woman persuaded to sell her home to send to secure a dream life with a man she’d never met, and pensioner Rosemary, who was duped into sending to scammers who pretended to be her bank.It also features Joanna Gordon, a mother of two children left on the brink of eviction after a dispute with a rogue builder she found online.Here, Joanna tells us what happened.I was ripped off by a rogue builderJoanna was left out of pocket by a dodgy builderBUSY MUM Joanna, from Glasgow, decided to invest in a loft conversion so kids Rebecca, nine, and Daniel, seven, could each have a room of their own.After posting on social media looking for recommendations, she opted for a builder with whom she had mutual friends online.She says: “He seemed to know his stuff, he looked professional, had a nice shiny leaflet and said he was a specialist in loft conversions.”I didn’t think I could go wrong. Plus I would rather give my custom to a small, local business than a big company.”It was a false sense of security because the builder was ultimately unable to verify his credentials or qualifications..

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