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This website is about trying to make the most of money. For savers you will find details on some of the best savings accounts from UK financial banks and building societies which will help you find the best savings rates (with UK interest rates so low ever % point gained on the rate is useful) and with the current banking crisis dividing your money between different financial institutions and savings accounts seems advisable. For borrowers and savers the peer to peer lending page (social lending, zopa, etc) gives an insight into a fast growing sector of the financial industry and the rates available for both savers and borrowers are worth considering. The top money savings tips gives ideas on reducing household expenses.  If you have any offshore bank accounts read the fscs page so you are aware of just how limited the protection can be. The top over 50's savings accounts rate page gives examples of some of the highest and best savings rates available for the over 50's, and don't miss the pages on fixed rate bonds, ISAs, instant access and easy accounts and the top regular savings accounts plus our top 10 savings accounts. If you are aware of a  best savings rate that we have missed email us and we will add it to the top savings accounts. Take a look at the list of building societies for details on all the remaining ones in the UK which should be useful for those who prefer to put their savings with a mutual organisation or any carpetbaggers who are still chasing an unlikely windfall.   If you are looking to take out a personal loan the loan tips page has some ideas. For fun take a read at the money jokes or more seriously the beginners guide to the stock market. Most consumers spend a lot of their income on insurance so take a read of the new insurance guides (including pet and travel insurance) to make sure you are getting the best value for money. If you have anything you would like added to the site email us and we will be happy to consider them so others can benefit too. WHAT IS CARPETBAGGING Carpetbagging is investing in a mutual organisation like a "Mutual Building Society" in order to get a windfall in the event of a merger or takeover of the mutual organisation. For an investment in a building society savings account of £100 you can get good rates of interest on your savings accounts plus the potential of a carpetbagging windfall. If you were to save £100 per month at a savings interest rate of 6% you would have £16,470 after 10 years even without a carpetbagging windfall. Since 2003 you could have made a minimum of £1400 from windfalls from Building Society mergers but since the credit crunch you are probably wasting your time. More information on Carpetbagging here.

ONLINE INSURANCE SAVINGS
INSURANCE PRODUCT	PROVIDER	BEST ONLINE DISCOUNT RATE	FURTHER INFORMATION
HOME INSURANCE	MARKS & SPENCER	20% PLUS £30 of M&S Vouchers.
PET INSURANCE	MORE THAN	20%
CAR INSURANCE	AA	12.5%
TRAVEL INSURANCE	DIRECT LINE	20%
LIFE INSURANCE	LEGAL & GENERAL	£40 of M&S VOUCHERS FREE