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5. Phishing is a criminal activity which attempts to mislead people into providing personal information and often bank account details. This is often done online through the sending of fake emails or pop-up messages.

For regular people, borrowing money is often something done out of necessity, say for a car or a home. But for the ultrawealthy, it can be a way to access billions without producing income, and thus, income tax.
Legitimate work-from-home jobs do exist, but beware of scams that require you to pay up front for the chance to earn extra money. Find out how you can easily make extra money from home.
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Butler-Ball, who is a partner at Irwin Mitchell, said the initiative was something musicians had been "pushing for" for some time, but that it was only when the public began to take notice of the #BrokenRecord and #FixStreaming campaigns that record companies felt they had to act.

Allison Barnes, Scotland manager at The Money and Pensions Service, added: "We know that learning about money when we're young can have a direct impact on our ability to manage money later in life. However, only 45% of seven to 17-year-olds in Scotland recall having had any financial education at school, which means too many young people are at risk of entering adulthood without being prepared for the money-related challenges that lie ahead.