ADVICE AND MONEY SAVING CENTRE

Want to know how to get the most out of your financial products? Need to find out the best ways on how to save money? Read Which Way to Pay’s tips, suggestions of use and money saving ideas on foreign exchange, travel money, payment cards, loans and more.

Get the Most from the Weak Pound 11 March 2010 - Which Way to Pay It might be hard to believe when looking outside, but Easter is round the corner – a time when many UK families go abroad for a small break. But what happens to our cash when the pound is as weak as it currently is? Read More >>

What is Proprietary Trading? 08 March 2010 - Which Way to Pay Big banks, risk-taking, speculative trading…these are all terms and topics which are much-discussed as the world recovers from last years’ deep recession. One topic often comes up for debate – that of proprietary trading. But just what is it? Read More >>

What is a Trust Fund? 04 March 2010 - Which Way to Pay Which Way To Pay has included a new range of financial topics in the Information Library – find out more about pensions, savings accounts, investment funds and more. Today we ask the question: what is a trust fund? Read More >>

Pensions Added to Which Way To Pay! 03 March 2010 - Which Way to Pay Which Way To Pay is constantly evolving and updating and has now added Pensions to the wide range of financial products compared and reviewed. Read More >>

What is Debt Management? 02 March 2010 - Which Way to Pay Falling into debt is a normal occurrence for many people in the United Kingdom. Due to all manner of unforeseen events such as a pay cut or even a job loss (redundancy), you could find that existing payments are hard to manage. Read More >>

Is an IFA Service Worthwhile? 26 February 2010 - Which Way to Pay Getting professional assistance for financial matters, from investment and tax structuring to mortgages and pensions, is something which many people consider. But is an IFA service the way to go? Read More >>

Current Account Guide 24 February 2010 - Which Way to Pay Which Way To Pay is expanding and will soon be providing full comparisons for current accounts and savings accounts. Alongside the usual comparison charts, each product will be given an independent review while over in the Information Library, there is already a new area covering the topic. Read More >>

Save Money with an ISA 23 February 2010 - Which Way to Pay ISAs (Individual Savings Accounts) were launched in the late 1990s in the UK and offer a simple way to save money without being subject to tax – they are classed as a ‘tax wrapper’. Each tax year runs from April to April, so now is the time to start considering your savings and how to use them. Read More >>

What is a Packaged Account? 19 February 2010 - Which Way to Pay Within the past few years, packaged accounts have become a strong product sold by many UK banks. But what is this type of account and is it worth a look? Read More >>

FSA Regulations for Sending Money Overseas 18 February 2010 - Which Way to Pay There are many ways of sending money abroad but one of the most important elements (beside a good exchange rate and low fees) is that the money moves from A to B safely. Read More >>

How do Card Companies Assess you? 17 February 2010 - Which Way to Pay When you are on the hunt for a new credit card, you might find it hard to negotiate the many offers and deals. Which is the right card for you? Is the credit limit you are offered lower than hoped for? Here is a simple guide to how card companies decide to lend you money… Read More >>

Is it Cheaper to Use Prepaid Cards abroad? 16 February 2010 - Which Way to Pay Going on holiday abroad is generally a cost that we try to keep as low as possible. By buying early in advance, looking for low price flights and good deals on hotels we can make the most out of what could be a pricey treat. But what about travel money – is it really cheaper to use prepaid currency cards? Read More >>

Prime Advice with Prime CFDs 15 February 2010 - Which Way to Pay A new company to be listed on Which Way To Pay, Prime CFDs offers a specialist advisory service for CFD and shares traders. So, let's take a closer look... Read More >>

Avoid Home Repossession 12 February 2010 - Which Way to Pay The number of people who had their homes repossessed in 2009 reached its highest level in 14 years, at around 46,000 lost homes. Read More >>

Commodities Growing in Popularity 11 February 2010 - Which Way to Pay Once the reserve of agricultural and food producers and dealers, commodities are now used widely by regular investors who can buy and sell commodity contracts. Read More >>

Who can Apply for a Logbook Loan? 10 February 2010 - Which Way to Pay The loan market is peppered with interesting ways to borrow – and even when it seems as if lenders are cracking down and becoming tougher than ever, you can always find one who will take you on. Logbook loans provide a very simple way to borrow – but who are they for? Read More >>

Did you know that the average Briton has over £2,200 in cash savings? 09 February 2010 - Which Way to Pay According to ING Direct, by the end of 2009 the average person in the UK had £2,205 in cash savings and is higher than the amount that was estimated for the start of that year. Read More >>

How are Dividends Taxed? 08 February 2010 - Which Way to Pay UK companies paid out £10 billion less on dividends in the recession-hit 2009. For investors counting up their returns, tax must not be forgotten. But how are dividends taxed? Read More >>

How do Exchange Rates affect Overseas Property? 05 February 2010 - Which Way to Pay Today we aim to explain how exchange rates affect you if you already own, or are thinking of buying, an overseas property. Read More >>

Investment Funds Grow in Popularity 04 February 2010 - Which Way to Pay According to the Investment Management Association (IMA), consumers invested £25.8 billion in unit trusts and OEICs (open-ended investment companies) last year – becoming more popular than regular savings accounts offered on the high street. Read More >>

Trader Research with GALVAN 03 February 2010 - Which Way To Pay Both experienced and new investment traders use training facilities for their trading activity. For those who have been in the ‘game’ for years, it can be a great way to refresh strategies and gain new insight from the best in the business. Read More >>

Can you Repair your Credit Rating? 02 February 2010 - Which Way To Pay We all know that having a poor credit rating can adversely affect our chances of getting a loan, credit card, mortgage or even car. But are there ways to improve your credit file? Read More >>

Are Discount Brokers worth it? 01 February 2010 - Which Way To Pay When taking the decision to invest, there are many things to consider – from sectors, investment tools and markets to how much money to invest and your personal investment goals. Read More >>

Balance Transfers for Managing Debt 28 January 2010 - Which Way To Pay Making a balance transfer on your credit cards can be one way of making card debts more manageable. By finding a new card which has a 0% period on balance transfers (often for up to a year) and a low rate, and moving your other card debts over onto it, you can start to clear out the debt clutter! Read More >>

Which Loan? 27 January 2010 - Which Way To Pay It is nearly the end of January – how did you cope with the post-Christmas purse strings? Many British people find the new year a tough time as far as spending goes. Indeed, the majority of people say that when it comes to Christmas spending, they don’t watch the budget – meaning the aftermath is full of large credit card bills and a frugal January. Read More >>

How to view World Interest Rates 26 January 2010 - Which Way To Pay The base interest rate of any country/currency region is key for not just regular people comparing interest rates but also has a significant effect on many investment tools. Read More >>

Is it Harder to Borrow Today? 25 January 2010 - Which Way To Pay Many worrying stories have surfaced about borrowing since the recession of 2009 – many are now asking themselves: is it really harder to borrow and are lenders becoming tougher? Read More >>

Could Living Together affect your Credit File? 21 January 2010 - Xenia Rainey (Which Way To Pay) There comes a moment in many people’s lives when they choose to move in with a partner. This can be an important step – and can lead to more serious moves later on, such as purchasing a property together. Read More >>

Credit Card write offs Increase 20 January 2010 - Xenia Rainey (Which Way To Pay) Suffering large credit card debts? According to latest figures, there has been a massive rise in the amount of money which banks are writing off as ‘bad debts’ on credit cards. The total value of write-offs has apparently doubled to £1.6 billion – in the third quarter of 2009. Read More >>

New MBNA Rate for Life Card 15 January 2010 - Xenia Rainey (Which Way To Pay) There are so many types of payment cards these days, it can be not so easy to find the right one! Services such as ours at Which Way To Pay aim to make the search a little easier – by listing out and comparing prices, offers and rates. Read More >>

Standard or Mini Trading Account? 14 January 2010 - Xenia Rainey (Which Way To Pay) When entering a market as important and large as the foreign exchange (Forex) market, it is important to be well-prepared. Carrying out a sufficient level of background research, opening practise (‘demo’) accounts to trade with virtual funds – these are all ways in which you can help yourself. Read More >>

Is a Payday Loan a Good Rescue Plan? 12 January 2010 - Xenia Rainey (Which Way To Pay) January is well underway and so far, despite a lot of snow, it seems to be business as usual. The global and UK economy is on a slow but steady route to recovery and the regular British household is recovering from the excesses of December celebrations. Read More >>

Will Derivatives Trading be Affected by New Financial Regulations? 11 January 2010 - Xenia Rainey (Which Way To Pay) As the world’s governments and finance ministers argue out new regulations and guidelines to their country’s – and the world’s – financial systems, many are wondering what will be in store for certain areas of the investment trade world. Read More >>

Gold is the Big Runner of 2009 08 January 2010 - Mark Maffia Most of us know by now that gold has become a hugely valuable commodity. Since 1999, it has risen by around 300 per cent and private investors (that’s regular people) have been getting involved to hedge against the recent financial downturn in particular. Read More >>

Practise Trading with Thousands in Virtual Money 07 January 2010 - Xenia Rainey (Which Way To Pay) Any experienced investment trader will tell you that practise and research can help to make your decisions more successful. After all, a trader who has no idea what they are trading on is the same as a car mechanic who doesn’t understand cars! Read More >>

How does Quantitative Easing Work? 06 January 2010 - Xenia Rainey (Which Way To Pay) Quantitative easing is the term used for a process aimed at boosting a country’s economy. It is sometimes referred to as the process of “printing money”, as new money is injected into the economy directly. Read More >>

What are the Risks of Advisory Services? 05 January 2010 - Xenia Rainey (Which Way To Pay) Investing your capital is always encouraged – and the earlier you make moves to grow your money, the better. Yet there are always risks involved, and no matter which way you decide to invest you will be exposed to a certain level of risk. Read More >>

Forex Trading with MF Global 04 January 2010 - Xenia Rainey (Which Way To Pay) If you are thinking of either entering the forex market or switching platform this 2010, MF Global is one of the world’s leading broker for a range of investment services. When looking for a broker, the prospective trader should consider the following... Read More >>

Looking in vain for a card that offers free purchases and no ATM fees? 24 December 2009 - Mark Maffia This may seem impossible but if you’re willing to put paid to your credit facility and aid your budget planning, consider the o2 Cash Manager prepaid credit card. Read More >>

Money Saving Tips 23 December 2009 - Xenia Rainey (Which Way To Pay) At this time of year, many of us are spending more money than usual. If you are a little less organised you might still be rushing out to the shops to try and get last-minute presents and food – whether or not you save a bob or two might be far from your thoughts. Yet there are always tips which can help us to save money in little ways. Read More >>

What is GDP? 22 December 2009 - Xenia Rainey (Which Way To Pay) Arguably the most vital of all economic statistics, GDP or Gross Domestic Product is often mentioned in connection with economic news and articles. But what exactly is it? Here are some basics: Read More >>

How much to Deal Shares? 21 December 2009 - Mark Maffia The internet has made life a lot cheaper for many UK consumers. A massive range of products and services are now available online, so people can shop for food, gifts and pretty much anything. Better still, many have taken to bargain-hunting on the internet with a host of price comparison sites on offer. Read More >>

New Money Products to Replace Old Ones? 17 December 2009 - Mark Maffia In our main story today, we report the story that cheques as a payment system are likely to be abolished within the next decade. Read More >>

Pick the Right Plastic for Winter Holidays! 16 December 2009 - Xenia Rainey (Which Way To Pay) Despite what has been a tough year for many Brits as far as money goes, many are still contemplating a winter break away this year. Read More >>

How to Choose an Overseas Mortgage Broker 15 December 2009 - Xenia Rainey (Which Way To Pay) So, new research tells us that Brits who bought overseas properties in 2005 could now be making a profit – despite the large volatility that this particular market has seen in the last year. Read More >>

How to use a Price Comparison Site 14 December 2009 - Xenia Rainey (Which Way To Pay) It’s official: more of you than ever are using price-comparison websites to source a bargain – and in this pre-Christmas shopping period, millions are using such websites to get the best deal for presents and other Xmas essentials! Read More >>

New Payday Loan with Mr Lender 11 December 2009 - Xenia Rainey (Which Way To Pay) At Which Way To Pay, products and providers are always being reviewed and often new ones come along. Read More >>

What does the Pre-Budget Report mean for You? 10 December 2009 - Xenia Rainey (Which Way To Pay) As the financial experts and politicians take apart the latest Pre-Budget Report and try to work out what it means for Britain’s fiscal future, normal people are wondering what it really means for them. Read More >>

How to Control Debt 09 December 2009 - Xenia Rainey (Which Way To Pay) It’s never easy to face up to debts, especially at key times of year like this. If you’re part of the majority of Britons, you will tend to stray into “head-in-sand” behaviour, ignoring the problems and hoping they will just go away of their own accord. Read More >>

Mistakes in Credit File leads to Lost Dreams 07 December 2009 - Xenia Rainey (Which Way To Pay) As the year 2009 is drawing to a close, many banks and building societies are cutting their rates to meet lending targets. This may sound like great news for borrowers, but many are still being turned down. For some, this comes as no great surprise – perhaps due to a poor credit history – but what of those whose credit report is flawed? Read More >>