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Mar
21
2007

Archive: MoneySavingExpert's Money Tips Email

21 March 2007: New 6.5% cash ISA, half price home insurance, 26 quid DivX DVD and much much more MoneySaving ...
This info may be out of date. Read this week's emails

Grab the latest deals, guides, tips 'n' tricks directly from Martin and the MSE team. Don't miss out

Urgent! Slash 50% off home insurance,
New top ISA - earn 6.5% tax free,
£26 DVD player with Divx,
And much, much more MoneySaving...

 

Comic Relief £8,700! To celebrate 1,000,000 people getting this e-mail, last week I pledged 50p to Comic Relief for each new recipient until last Saturday. At that point I hadn't realised I'd be on telly so much over the week! Thus the total was much bigger than I'd expected, a massive 15,000+ people, still it means a huge £7,700 has gone to Comic Relief, plus the signed England shirt auction raised over £1,000 (see Charity Fund details). Thanks to all who spread the word.

Don't stop telling people though. This site relies on word of mouth. The site's ethical financial stance means there's no big advertising budget like the fully commercial money sites seem to have. It needs you to recommend it. Please suggest friends/family add themselves to this e-mail's distribution list at
moneysavingexpert.com/tips

 

MARTIN'S MONEY MUTTERINGS
A video/audio commentary on this e-mail
THIS WEEK INCLUDES: Fill in your own ‘on or off’ pun! Plus, Daniel Craig for £007 and can you beat £26 for a DIVX DVD player?
VIDEO
Watch it now/ Podcast/ PSPCast  (help)
AUDIO
Podcast / Listen: Hi/Lo / Download: Hi/Lo     (help)
(Discuss this week's mutterings)

The Ones Not To Miss
MSE


URGENT!
New Massive Market Leading Cash ISA 6.5% instant access

If you've got savings and haven't used this year's ISA allowance, hurry! The tax year ends 5 April and if you don't use it, you lose it. A cash ISA is effectively a savings account for up to £3,000 a year where the interest isn't taxed; a big bonus. This week Barclays launched its Tax Beater cash-ISA paying a huge 6.5% AER, smacking the pants off my prior 5.8% top pick. The interest includes an additional 1% for the first year, yet it's likely to be quite competitive even afterwards, and if not you can transfer out to another ISA. Nice to see a big bank coming up with the goods. Full info in the Updated Article: Top Cash ISA (mini-mutterings) Related Articles: Top Savings Accounts, ISA Guide

£26 DVD player with DivX. Plays normal DVDs & downloads from the web. Can you beat it?

URGENT! Tesco 50% off home insurance. Get a quote now & it holds for 3 months
Tesco's giving 50% off home insurance online until 27 March. Better still get a quote now & it lasts for 90 days. So, even if you're not at renewal yet, quote now and buy later. This is a seriously good deal, yet it's not automatically cheapest; before taking it out, follow my usual cost cutting plan to compare the market including using screenscraping websites Moneysupermarket*, Confused.com* & Compare the Market* which whizz your details to scores of insurers and brokers to find the cheapest. Then get Tesco's* quote, and compare the top results with it. Full details in the Updated Article: Home Insurance Cost Cutting (mini-mutterings) Related Article: Cheapest Car Insurance

Casino Royale DVD £7 for launch week at Asda. MoneypennySaver

Renewed for two weeks.
£300 off gym membership loophole

Regulars will recognise this loophole, which has been on and off for the last six months. Until 29 March, get Pruhealth's* private medical insurance policy, which done right costs as little as £20/month and you get membership free for six months, usually costing up to £70/month at Cannons and some JJB gyms (or pay just £25/month for Holmes Place). So its worth getting the insurance even if you don't want it, to save up to £50 on the gym membership. Full info in the Updated Article: Major Gym Saving (mini-mutterings) Related Articles: Gym Membership Cost Cutting

Electricals & home goods inc. DAB radio for £30 of Nectar points. From Sat. Nectar Spring Sale

STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL

Prescriptions up from £6.65 to £6.85 on 1 April. Use a prepayment certificate to beat this rise
If you tend to use more than one prescription a month, consider getting a pre-payment certificate covering all your fees for a set period of time. Better still, buy the certificate now and you beat the April price rise (prescription charges are different in Wales). Full info in the Updated Article: Cheaper Prescriptions & Medications Related MoneySaving: Healthcare Cashplans, Cheaper Lenses, Dental Insurance, Medical Insurance

This e-mail's 'Video commentary' now works quicker. Click watch it now in the Mutterings box top right.

Free Orange Sim Card means 2 for 1 Cinema Loophole every week
Orange currently has free Pay-As-You-Go Sim cards, opening up a great loophole. One of Orange's big sells is its 'Orange Wednesdays' cinema promotion, where its customers get 2 for 1 cinema tickets every Wed. at all mainstream cinemas. If non-Orange customers get one of these Sims & pop it in their phone on a Wed they can access the free cinema promotion. Full details in the Updated Article: Orange 2 for 1 Cinema Loophole (mini-mutterings) Related Article: Mobile Phone Unlocking

Teacher/Parent? Want your school to have a unique 'MoneySaving' class on TV? Find out more

Should bailiffs be allowed to use force?
New laws may make it happen. Tell the Govt what you think


The Don't Forgets


 

More MoneySaving
MSE


New Top Current Accounts. 0% overdraft or 6.1% plus possible £25 bonus. Updated Article
Huge demand for Halifax's new high interest current account and the £100 sign up bonus, meant sadly it ended it a week early. So now while Alliance & Leicester* is still the winner for those who are overdrawn with a year's 0% overdraft; if you're in credit it's a close battle, earn over £15,500 and Halifax still pays 6.2% interest, yet anyone earning over £6,500 can get 6.1% with Alliance & Leicester, plus a £25 each bonus if you team up with a friend (you join first, then 'recommend' them). For all the options, read the Updated Article: Bank Accounts Related Articles: Bag Cash from Current Accounts, Credit Card Freebies

Last Chance! Saynoto0870 petition ends 4 April Petition details, Saynoto0870 Article

The Great 'Voucher code grabbers' Hunt
Many companies send out e-mails with secret vouchers codes for subscribers. Now, of course the first distribution list you should be on is this one, but after that, which companies have the best mailing lists to sign up to for vouchers? I’d like to tap MoneySavers’ knowledge to collate a list of companies which send out top money-off codes by e-mail. Add your ideas/read others Past Great Hunts:  What Kids Should Know About Money, Feed, House & Treat Your Pets For Less and Free Info

REMINDER! Are you Britain's Best Debt Dieter? Closes 23 March! £500 up for grabs

MONEY MORAL DILEMMA. Grant's been overpaid, should he keep it?
Grant's been working at Phil's small garage for nine years. Barring the odd disagreement, the two have always got on well. Yet in his final pay packet he's been paid for the full months work, yet he's only actually done three weeks worth. Should he own up to the overpayment, or should he keep schtum? Enter the Money Moral Maze: Grant's been overpaid, should he keep it? Previous MMDs: Is it time to cut Tracey off? and Should little sis get a holiday too?

Fixed Rates Mortgages Getting Cheaper. Time to fix?
A host of mortgage companies have dropped the cost of their fixed rates. This may seem strange as we're in a moment of rising interest rates. Yet fixed rates are based on the long term predictions on interest rates, not just what's happening in the short term. So if you're looking to fix, it's just got cheaper. To find out if it's right for you, if you've already got a mortgage read the Remortgage Guide: Download PDF, Free Printed Version, More Details or for new mortgages the Mortgage Guide: PDF, Printed Version, More Details


 Quick Chat Tips
Warning! Bargains listed here tend to sell out quickly
 

URGENT! Conran credit cardholders: Ditch it, Ditch it, Ditch it!
The Conran credit card has long been one of the top picks for anyone wanting to earn cashback whenever they spend. Yet it's announced no cashback will be paid after March, and all cards will be replaced with bog-standard MBNA ones. Cashback collectors should stop using it after March, though don't cancel it until it's paid out the cashback. For full details of the top cashback cards, that pay up to £3 per £100 spent, read the Updated Article: Cashback Cards Related Article: Credit Card Rewards

FLIGHTCHECKER SALES WATCH
 Amsterdam, Paris & Prague c. £25 each way
Budget airline Thomsonfly currently has a range of destinations under 49p each way. When you add in its taxes and charges this becomes roughly £25 in total. For a full briefing read the
How To Find a Cheap Flight article or go straight to the special free FlightChecker to find the seats in seconds.

The Great 'Best Places to Haggle' Hunt Result
Last week I asked MoneySavers to revisit the Best Places to Haggle hunt. Haggling the price down is possible in more places than you'd expect, but if you don't ask, you don't get. Your top tips included: Haggling for an engagement ring, Phoning up Dell and Comet extended warranty discount.





Odds and Ends
MSE

On the box this week: The Wright Stuff every weekday at 9am (Five) and Classic Gold at 10:15 am Keep updated on appearances

This week's Martin's Musings: Should you let them take your credit card at a bar?
''Kinky eBay sales'' and "Bank and Credit Card Charges go Global". Read m'blogs (or RSS users access)

This week's poll: Flights v Green Rights. Vote and Discuss.

Last week's vote result: MoneySavers are top of the info pyramid. Regular MoneySavers were more likely to be asked financial questions than irregular site users with 44% either at the top of the money info pyramid or regularly asked money questions, compared with 37% of irregular site users; plus they're much less likely to know nothing.
See poll results

It'll name that tune in three. That's it for this week, however, if you've ever tried to identify a song by singing it to your friends, you can now sing it to a website instead to save embarrassment, even with my voice. Try it

I hope you save some money

Martin

*links: Any links with a * by them are affiliated. That means go via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay ad-free and free to use. You shouldn't notice any difference, the links don't impact the product at all and the editorial line (the things I write) is NEVER impacted by it. If it isn't possible to get an affiliate link for the best product, nothing changes, it's still included in exactly the same way. As I believe transparency is important, I'm including the following 'un-affiliated' web-addresses for the same things: alliance-leicester.co.uk, pruhealth.co.uk, hsbc.co.uk, comparethemarket.com, confused.com, moneysupermarket.com, tescofinance.com. Read more about this site and how it's financed.

Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Rockley Road, Shepherd's Bush, London W14 0DA is authorised and regulated by the Financial Services Authority.



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