Difficult decisions ahead after rigged voting investigation

We are all faced with difficult decisions on a daily basis for personal, business and financial matters.

04:10 04 August 2013

A recent accusation that the voting process had been rigged stirred up some concern, but Police Scotland concluded there was not cause for an investigation since there was a lack of evidence to support the claim.

The matter will be further investigated by the Information Commissioner’s Office in order to decide the appropriate course of action, if any.

 

We are often faced with difficult decisions in our personal finances, and strive to make the best decisions possible with the information available to us. Here are a few reminders if you are trying to decide whether or not to get a credit card: 

 

• Remember that anything you purchase on your credit card will be charged interest unless you pay it off before the grace period has expired. In reality, you could end up paying significantly more for the actual item than if you were to simply save up for a while and purchase it outright. 

 

• Less is more. If you have one credit card, it’s much easier to keep track of than if you have multiple cards. Keeping things simple allows you to make timely payments, and won’t increase the potential for negative marks against your credit rating. 

 

• Interest rates are important. You want to find the best interest rate available when looking for a credit card, but there are also different types of rates. Make sure you are aware of all the different rates and what situations could cause your interest to change. Knowing a few key bits of information could prevent your interest rate from soaring sky-high later. 

 

• Don’t forget to consider the fees on a credit card. The interest rate isn’t the only thing that should be considered. Cards can charge annual fees, over limit fees, late fees, monthly fees, quarterly fees, semi-annual fees, or even non-use fees.