Many local authorities, including Edinburgh City Council, have increased charges and/or closed down public toilets in order to reduce spending.
Personally, I’d rather have plenty of clean free public toilets in a city centre than free WiFi.
In my opinion, it should be a statutory duty for local authorities to provide free public toilets. After all, it’s an essential service for both local residents and visitors.
I can usually get online either through my Three mobile broadband on my phone, or use the WiFi in my hotel. Whereas, if I am out and about and need to pee, then access to a toilet is more important to me than free WiFi.
On 3 July 2016 BT is imposing massive prices increases of up to 15% on some broadband packages.
How can BT possible justify prices increases of up to 15% when the rate of inflation, measured by CPI (Consumer Price Index), stands at 0.3%?
In late January 2016, I signed a 12 month contract for broadband and anytime calls with BT Although technically I can leave the BT contract with no penalty due to the impending price increase, I am tied into the 12 month contract by virtue of having paid for Line Saver (where you pay 12 months line rental in advance in order to get a discount on the price). Unfortunately, you can’t get a refund on the unused portion of Line Saver if you quit your BT mid contract.
I stayed at the Ramada London Finchley for three nights in late February 2016, It cost £40 a night for room only on the Agoda hotel booking website. I selected the hotel as it had reasonable reviews, the price was good, and there were some places I wanted to visit nearby e.g. Alexandra Palace and Highgate Cemetery.
As I didn’t fancy a 25 minute walk pulling my suitcase from East Finchley Tube station to the hotel, I took the 263 bus. The bus stop is located under the Tube line bridge. It’s a real wind tunnel and I was chilled through in the 10 minute wait for the bus.
To reach the hotel from the closest bus stop entailed either a dash across the road, or a couple of minutes walk down to the crossing. I managed to spot a gap in the traffic to make it across the road at the bus stop.
The hotel is located in a leisure park which has a health club, bowling alley and some restaurants including Pizza Hut and MacDonald’s. I was rather dismayed by the amount of litter lying around.
The Yorkshire Bank 40 Day Notice Cash ISA paying a variable interest rate of 1.75% on balances of £30,000+ caught my eye.
This is a competitive rate for savers with larger Cash ISA pots, without having to tie the money up for too long. The highest rate of interest that I could find for a one year fixed rate Cash ISA was 1.75% with the Punjab National Bank, which has to be opened by post or in a branch.
If the balance in the Yorkshire Bank 40 Day Notice Cash is lower, the rates are less attractive. Balances under £15,000 receive a rate of 1.0%. Balances between £15,000 and £29,999 earn a rate of 1.5%.
A study carried out by The Share Centre highlights that women are active in making investment choices, contradicting the stereotype of it being men who make more of the household investment decisions.
The results of the study show that 60% of women take the lead in decisions about investing in Stocks and Shares ISAs in their household. A further 12% make joint decisions with their partner. 25% of women surveyed had dealt on behalf of a male relative or partner.
The majority of female ISA investors plan to use their investment to provide an income in retirement. It’s always said that you should invest over the long-term.
However, most women appear to be adopting a ‘buy and hold’ strategy, as only 17% make monthly trades. More regular trading, especially if you can buy when the price is low and sell when the price is high, can bring higher yields.
Asda Money offer a variety of financial products including credit cards, travel, home and car insurance.
Asda Money Credit Card
If you are a regular Asda shopper, you can earn 1% cashback on your Asda in-store and online shopping, plus on fuel purchases. If you spend £200 a month in an Asda supermarket and £100 a month on fuel, this would give you £36 in cashback per year. Not exactly a fortune, but a little bonus for spending that you’d be doing anyway.
It’s 0.5% cashback on all other purchases made with an Asda Money credit card. If you use your credit card to pay for as many things as possible, e.g. train tickets, household purchases, clothes and restaurants, this could add up over the year. But you do need to check if there is a fee for payment by credit card. Some travel companies charge a 2.5% credit card fee, so you’d be better to pay by debit card.
When you’re considering selling your home, you’ll have a lot of options to think through and work out which is the best option for you. You may have considered selling your home the traditional way through a high-street estate agent, but you’re curious about the rise of online property agents that present a lot of advantages over the traditional route.
Why Consider a Private Sale?
Instead of choosing an estate agent with off-putting fees to help you sell your property, going private gives you a lot more control over setting the price, who gets to see your adverts, your viewings, negotiating and processing the sale through the relevant legal parties like conveyancers and solicitors.
As our one year EON Collective Fixed Price Energy tariff was due to end in early April. I started to look for the best energy deal.
Normally I look for the longest term fixed rate deal. That generally means that you initially pay a higher rate than the standard tariff, on the assumption that rising prices a year or so into the contract will mean that you are better off during the full term of the contract. It is a gamble, as it’s impossible to predict if prices will rise and by how much.
However, I didn’t feel comfortable being tied into a contract for a couple of years, when I wasn’t convinced that prices were keep rising. That sentiment, in addition paying exit fees if I spotted a better deal during the fixed price contract term, encouraged me to look at one year fixed rate deals.