We’ve all thought about how we can make vast amounts of money, and trading in foreign exchange rates and precious metals has it’s attractions! Trading in Forex has always been seen as a career that needs to be left to the professionals, but there is a site out there that is claiming that a novice can infact start trading.

eToro is one of the leading Forex companies in the world and offers up to $10,000 bonus! The eToro platform is simple and user friendly : even the most novice trader can easily learn how to use it and learn how to trade forex by using the platform! And of course we charge absolutely zero commissions on all forex trading activity.

They have a practice section which means that you don’t have to deposit, you just need to set up a practice account and see whether you can pick up the art of Forex trading or now.

If you have a Nokia phone, you can now download our Money Oracle app!

It will allow you to stay up to date with our latest posts, information, and updates……..and best of all……It’s FREE!

Maybe you don’t own a Nokia (possibly because you are a proud owner of a swanky new iPhone!) but you can click the link above, and then follow the button that allows you to recommend it to a friend!

If you are wondering what career path to take, have you thought about the leisure industry? There are plenty of pools, gyms, and leisure centres in the UK, and due to the industry mainly attracting students and college leavers, it means that they have quite a high rate of attrition. This means that job opportunities arise fairly regularly.

One of the job roles that is on offer is a lifeguard. These tend to have flexible hours, but is a good way of being introduced to the world of leisure! Once in the door you can have a look at the other roles that are available, such as swimming teachers, recreation assistants, duty or centre managers, and gym instructors.

In order to become a lifeguard you need to go on a NPLQ Lifeguard Course. These will be available in your local area, or Click Here for the website of a good friend who runs courses in the South of England at competitive prices. Please quote The Money Oracle as where you have seen the article if you contact him.

In order to aid those who are looking for car, van, or home insurance, and have never come across our furry meercat friend, I thought I would tell you a bit about Comparethemarket.com

comparethemarket.com is a leading price comparison website that lets you easily compare quotes for various products including car, home and van insurance.

With one simple form to complete, Comparethemarket.com compares over 400 car insurance prices from leading providers so you can receive a quote in minutes. In fact, 98% of visitors could save money on their car insurance and 99% could save on their home insurance too! *

Comparethemarket.com are constantly reviewing and updating prices so you get the best price and exclusive deals- take a look today and see how we can help you save!

So, what are you waiting for? Get a quote

*Based on Online independent research by Consumer Intelligence during November 2010.

Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late. The fees can pile up and the interest rates can grow before you know it, and after a while you won’t even be able to pay the minimum amount of payment. If you don’t do something fast – it could be the beginning of the end.

To make sure this doesn’t happen to you, you should always pay your bill on time, and always avoid missing a payment. Sometimes, it can be hard to make your payments on time, although you should always do everything in your power to ensure that you stay on top of things. Below, you’ll find some tips to help you with your credit card payments.

As stated above, you should always pay your bill on time. If something comes up and you aren’t able to pay, you’ll be penalized. Even though you may think what has come up will justify a late payment, it doesn’t justify the means in the eyes of your credit card company. Inside of your bill, you’ll find detailed instructions regarding payment. You should always follow them as accurately as possible, pay where and when you are supposed to pay – and do it on time.

If you simply aren’t able to pay your entire bill, you shouldn’t worry about it – but instead pay the minimum amount possible. Even though you may be able to pay more later, you should always pay at least the minimum amount. Then, when you have more money, you can always add to your minimum payment by sending in an additional payment.

The easiest way to do this, is to always have the minimum payment amount set aside, so that you have it once your credit card bill arrives. Once you have assured yourself that you won’t be penalized or charged any late fees, you should look into paying a higher amount than just the minimum balance. By paying the minimum amount, you’ll also ensure that no other fees will be added to your next credit card bill.

Another option includes skip a payment, although you’ll need to check whether or not your credit card company offers it or not. This service will allow you to request a waiver regarding your payment, when something comes up and you don’t have the money to pay your bill. Make sure that you use this service wisely if you have it, as it can only be used once a year. Therefore, you should always ensure that the situation is truly an emergency and there are no other options available for you. This service will normally have a cost as well, and you’ll need to pay it the following month.

Although credit cards can be great for numerous reasons, you should always know your interest rates and have a good general idea of what your bill is going to be before you make a purchase. Many times, those who have credit cards will make purchases, knowing they can’t make the payments – then suffer when they get the bill and aren’t able to pay it.

Anytime you have a credit card, you should always make sure that you have the money to pay the bill, or the minimum amount, the minute it arrives. This way, you’ll remain in good standing with your company and your credit score will continue to increase. If you simply aren’t able to make your payment, you should contact your credit card issuer immediately and see if you can work something out.

As you probably already know, there are many credit cards out there.  The one you choose however, should reflect your lifestyle and your ideal spending amounts.  If you are looking for the best possible deal and the best company for your credit card, you’ll obviously need to look around at what you have to choose from and what works best for you.

The first thing you’ll need to decide when choosing your credit card, is why you need one in the first place.  Some people choose to get a credit card for cash flow purposes.  With a credit card, you can make purchases and buy things, leaving your paycheck or other source of income in your bank account to draw interest.  This way, your money will continue to grow while you continue to buy the things you need.  Then at the end of the month, simply pay your bill.

Others will choose to get a credit card and use it for instant cash purposes.  This way, they can use their credit card at an ATM and get instant cash, which is great for travel or going on a long and extended vacation.  If this is why you want a credit card, you should look for one that has the lowest rate possible for instant cash transactions.

With a credit card, you’ll also need to think about the payments.  You’ll need to decide if you want to pay the balance in full each month, or only the required amount.  When you select your credit card, you should look at the introductory rates, balance transfer rates, and other offers that may apply to new credit cards and new holders.  Some will offer you truly amazing deals, especially if you have good credit.

Another important area to look at when choosing your credit card is the incentives.  There are several cards out there that will give you incentives, such as reward points and even cash back with purchases that you can use towards paying back what you owe.  There are several incentives out there with credit cards, all you have to do is look around and compare.

The key area you’ll need to look at and compare is the APR (Annual Percentage Rate).  The APR is what you will pay on what you purchase when the incentive period runs out.  APR rates will vary among credit cards, so it is always in your best interest to compare and shop around.  The lower APR rate you get, the better off you’ll be.

Another concern with choosing your credit card is the minimum payment amount.  Most minimum payment balances will start around 3%, although some can be lower while others tend to be quite a bit higher.  The interest free period is a concern as well, as you will obviously want to choose the longest period that you can keep the payments down.

When you make that final decision and choose your credit card, you should always make sure that you know exactly what you are getting. Credit cards are great to have, although they can lead to a downfall if you don’t choose them carefully.  If you put some time and research into choosing your credit card, you’ll find the best one for you.  As long as you take care of your credit card and pay the bill on time, you’ll help raise your credit and eventually be able to purchase even bigger things – such as a car or even a house.