The following article is great reading. http://www.bbc.co.uk/news/business-21371856 I am very pleased the Government is bringing in lessons on financial management and tax and debt. These subjects are important life skills people need. I have read that the industry of independent financial advisors in the UK has been campaigning for this for some time. I hope it will lead to the next generation being more financially savvy than previous generations!rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn