Some very interesting developments this week here in the UK as many of the top spreadbetting and CFD providers have announced this week that they are raising their margin rates in the light of the current credit crisis.

What does this mean for traders like myself who place spread bets on a regular basis?

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If you look around at some of the larger companies in the market, you will find that due to the recent turmoil in global markets, a lot of stocks are trading at such low prices that their dividend yield is extremely generous at the moment.

For instance, let's take a snapshot of some of the high yielding FTSE 100 companies at today's prices:

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One of the best ways to save money for a rainy day is to collect and store all of your loose change, for example 1p's, 2p's, 5p's , 10p's and 20p's (or whatever your local currency is). I did this and used the proceeds to pay for a few weeks travelling round Europe earlier this year.

I'm someone who always carries cash around with me. I don't have a credit card, and although I do have a debit card, I nearly always  More on Look After The Pennies (And Pay For Your Next Holiday)