Review of Norwich & Peterborough Gold Current Account

Written by Karen Bryan

norwich-and-peterboroughI had heard of the Norwich and Peterborough Building Society Gold Current Account offering fee-free overseas ATM withdrawals and overseas transactions.

As my Nationwide Flex Plus Current Account offers fee-free withdrawals from overseas ATMs, and my Halifax Clarity Credit Card and Nationwide Select Credit Card offer fee-free foreign transactions, I didn’t investigate opening a Norwich and Peterborough Gold Current Account.

When Keycare benefit (covering lost and stolen car and house keys) was dropped from our M&S Premier Car Insurance, I started to look around for alternative insurance cover for lost keys.

Our house keys are covered by our home insurance, but we’d have to pay a £100 excess on any claim. Replacing lost car keys is included in some car insurance policies, but not with M&S (only stolen keys are covered). I’d read that it can cost hundreds of pounds to replace car keys which are not covered by an insurance policy.
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Money Saving Advice for Landlords

Written by Karen Bryan

Entering the property market can be a nerve-racking experience, and with so much to take into account it can be costly too. If you’re thinking of buying and renting out a property, or, if you’re already a landlord looking to keep costs down, there are loads of tips and tricks that can help. Don’t forget, however, you can follow all the tips in the world but you still need to cover yourself appropriately, in case something does go awry. HomeLet landlord insurance ensures that if the worst happens, you at least have protection on things like loss of rent or malicious damage. Here’s some other useful money saving tips to consider.

homelet
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Keycare Dropped from M&S Premier Car Insurance

Written by Karen Bryan

car-keysMany car insurance policies only cover you for stolen, but not lost, car keys. In reckon that it’s more likely that I’d lose my car keys than have them stolen.

Therefore, one of the benefits of having M&S Premier Car Insurance was the inclusion of Keycare. This benefit provided by a third-party, covered stolen or lost keys, (up to three per key fob, including car and house keys) replacement locks and any call out charges.
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Why I’m Happy I Bought an Annuity in April 2014

Written by Karen Bryan

targetI’m so glad that I made the decision to buy an annuity, an income for life, from my pension pot at the earlier possible date, when I hit my 55th birthday.

This is because annuity rates have fallen so much since April 2014. I recently got a quote for an inflation linked annuity with a five-year guarantee based on the size of my pension pot in early 2014. The initial payment quoted was more than 20% less than the quote I accepted in April 2014, two years and five months ago.

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The Golden Rules of Success in Online Trading

Written by Karen Bryan

stockmarket-graphThe business world is changing fast. Everyday, there is a new trend that has the potential to lead to a completely new direction. The use of the internet is itself a business trend that has become a great influence on how any kind of trading is done. More than ever before, investors are entering the market with the aim of creating wealth, urged on by the establishment and success of large online trading platforms such as the CMC markets.

Unfortunately, a number of people who try their hand in the industry do not attain as much success as they expected. In some cases, there is total failure and losses whose result is disillusionment and a negative bias on any kind of investment. There are, nevertheless, many success stories whose main ingredients include adherence to a certain set of rules.
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Feeling Under Attack from All Sides

Written by Karen Bryan

fistToday, I read about more cuts in the interest rates paid on high interest current accounts which I hold.

Following in the wake of the halving of the 3% rate of interest paid to qualifying holders of the Santander 123 Current Account, the Lloyds Banking Group has decided to take the axe to two of their current accounts.

The 4% interest rate paid on balances between £4,000 to £5,000 in the Lloyds Club Current Account will drop to 2% from 8 January 2017.

The £5 month reward paid to qualifying holders of the Halifax Reward Current Account will be cut to £3, from 1 February 2017.

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Thank Goodness for Three Mobile’s Feel at Home

Written by Karen Bryan

three mobileThank goodness that Three Mobile’s Feel at Home scheme was recently extended to cover Greece.

I am on the Greek island of Corfu. I was supposed to fly back to Newcastle yesterday, Sunday 9 October. But my easyJet flight from Corfu to Newcastle was cancelled when a strike by Greek air traffic controllers was announced the day before my flight.

Sorting this out has entailed phone calls to the UK totalling 113 minutes.

As my Three mobile package includes 200 minutes, there is no charge for making these calls to the UK, as Three’s Feel at Home package allows me to use my UK plan in Greece for calls back to the UK.

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Find the Cheapest Perfume

Written by Karen Bryan

lancome hynose and miracle perfumesI have a weakness for expensive perfume.Lancome and Estee Lauder are my favourites. I’ve tried using cheaper perfumes, but I either didn’t like the scent and/or they didn’t have any staying power.

Recently, I ended up buying perfume with what started with a quest to find the cheapest hydrocortisone cream.

Annoyingly, the pharmacy website which offered the lowest price hydrocortisone cream at £1.29 for 15gr, wouldn’t let me buy more than two tubes, and had a delivery charge of £3.15 for orders under the value of £40.

That’s when I thought why not buy some perfume in order to get the free delivery. When I started to do price comparisons, the perfume on that pharmacy website was overpriced.

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Every Little Helps: Tesco Increase Price to Check Tyre Pressures by 150%

Written by Karen Bryan

We make a habit of regularly checking the tyre pressures of our Skoda Fabia at our local Tesco supermarket petrol station.

Keeping the tyres on your car at the correct pressure helps you save money on the cost of running a car..The tyres last longer, plus fuel and braking efficiency are maintained.

tesco-increase-price-to-check-tyre-pressure-by-150-per-cent

Last week, my husband put in the normal 20p fee to check the tyres into the machine. But no air was coming out. In fact, as he tried to put air into the first tyre to get it up to the desired pressure, all that he achieved was for some air to come out of the tyre.

It was then that I spotted that the air minimum vend price had jumped in price to 50p. This was a whopping increase of 150% in the price to check our tyres.

It seems unjustifiable for Tesco to hike the price of checking type pressures by so much. But then every little (or not so little) helps increase Tesco’s profit.

Three Mobile Extend Their Feel at Home Scheme

Written by Karen Bryan

peligros beach santander spainThree Mobile have extended their ‘Feel at Home’ scheme, which allows UK customers (except those on Essential plans) to use their UK allowance overseas with no additional fees in specified countries.

It was great to be able to use my mobile phone in Sweden last month to upload photos and check my emails when out and about without worrying about paying for roaming. I don’t like being dependent on hotel WiFi. It’s not always reliable, and you have to be back at the hotel to use it.

I thought that it was a bit sneaky of Three Mobile to increase the number of countries in the scheme just after the peak Summer holiday season,

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