Don’t pay late charges

Charles Arthur relays the suggestion that youshouldn’t pay late charges on bank accounts or credit cards. Hmm. I’ve not had one of these for a while, but as he says, it is an unreasonable amount of money over time.

Music industry blues?

Of course the music industry is up the creek because of piracy? I think not: the Independentreports the realityBut figures from the US show that Apple Computer, the dominant legal download business in Europe and the US, retains just 4 cents from each 99-cent (55p)...