legal tender.

I've been handling an abundance of currency from the Isle of Man recently, and no-one since has been able to tell me if it's legal tender or not, so I've been rejecting it. The only 'rare' currency that I really know about is Scottish, which is legal, and that £5 coin with Franklin on the front.

Hmm... I haven't written a huge post in a while, so I guess it's time for another. you lucky people.

I'm changing my bank account soon (hopefully before Friday, so I can buy stuff over t'internet as soon as I get paid), but there's so many out there that I really don't know where to start. One gives an interest free overdraft of two grand, but then no interest on the account either. One gives you the best rate of interest, but charges you for debits. One gives you free overdraft a good rate of interest, free debits, but I have to prove my course at Uni. I think I'll just open a current account at the place that does that one and then upgrade to a student account later.
It really shouldn't be this hard to manage your finances. All these people are doing is stealing from you anyway. I mean, yes, they pay you for the priviledge of holding your money. And I kinda see how it works the other way around - they're borrowing from you and they pay you. When you go the other end and you're borrowing from them, you pay them.
But then why is it that interest rates for overdrafts are larger than interest rates for keeping money in your account? Surely you should be rewarded more for having money, and pity be taken when you're overdrawn?