Credit and debt have become dirty words in a financial climate where everyone is tightening their purse strings. The stigma of credit or debt does not have to be seen in this way. Even the most sucessful institutions have a credit flow without which, prospective speculation would not be possible. So, as an individual this [...]

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The banking crisis of 2008 is likely to be remembered as one of the most influential catalysts affecting how we look at money into the future. It will impact our lives in years to come as much as the environmental issues which we have had to embrace.  For too many years, the western world economy [...]

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