10:41 14 June 2013
GCSEs in England will be changing, hopefully for the better, to introduce improved ways of testing students.
Many people may not be sure whether the proposed changes are sufficient, but they are urging a careful implementation to make sure the changes are done properly.
Banking also requires changes to be carefully planned. Here are a few of the more common changes you might experience with your banking accounts.
If you are saving, interest rates are too low. If you are spending, they are usually too high. The interest rates also fluctuate, so if you want to earn money on savings, or reduce what you pay for your mortgage interest, be prepared to adapt. Refinancing or planning to save for the long term can help you weather the changes.
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