Monthly Archives: November 2015
Financial Protection for your Holiday
ATOL (the Air Travel Organisers Licence) is a financial protection scheme for air passengers. If you book an ATOL protected holiday or charter flight and your tour operator, airline or accommodation provider goes out of business before you travel you can claim a full refund.Read More
KEEPING IN TOUCH WITH FRIENDS & FAMILY
WHAT ARE YOUR OPTIONS?
If you wish to stay in touch with friends and family either in the UK or overseas, here are some tips/information to help you through the various options of how to make the call as cost effective as possible. It no longer needn’t be expensive.Read More
We were delighted to host a great lunchtime seminar all about Wills. The talk had even the hardiest of listener contemplating how soon they would get cracking with making their will. It became quickly evident in our discussions that there would be many complications, family disputes and emotional roller-coaster rides following your passing for your family should you not have taken time to make a Will.
The talk went into details about a variety of areas including:
The 12 Online Frauds of Christmas
In the countdown to Christmas lots of Islanders will be going online to buy presents for friends and family, search for holidays, book tickets for a big gig or send an electronic Christmas card.Read More
Telecommunications –Buying the Right Mix of Services
What are bundles?
Bundles include a mix of mobile; fixed line and broadband services. Having a bundle will in most cases require you to sign a contract for at least a year; or perhaps longer. Breaking a contract if you subsequently find that the service is not suitable or does not really give you what you wanted, may be expensive. In this article we consider only bundles associated with contracts and not Pay As You Go offers, which will be considered separately.
The main bundle types include:
Question …Can a service charge be added to our alcoholic drinks bill?
Answer…..Yes if the restaurant or hotel or bar clearly advertises outside of the premises that they will add a service charge to drinks.
Under the Licensing (Jersey) Law 1974 Restaurants are obliged to display a list of the prices charged for intoxicating liquor (Article 42(c)) and for meals and refreshments other than intoxicating liquor (Article 42 (d)). It is an offence to charge a higher price than the price displayed.Read More
SCAM Letters …are attempted fraud
Do these look familiar to you or is someone you know receiving similar letters?
Here are some simple steps to follow to minimise the impact of these unwanted and nasty lettersRead More
Q & A’s with the Consumer Council
Q: I am retired can I get a sick note from the doctor if I need evidence I was ill?
The traditional sick note is purely a social security document and if someone an elderly non-working person needs evidence that they were poorly and miss an event they can purchase a private sick letter from their doctor. Always remember to ask how much you will be charged for a sick letter and you will have to pay a consultation fee too.Read More
What in the World is going on with Oil Prices?
This week, the price of Brent crude oil fell to its lowest level in six years with the price of a barrel of Bent crude decreasing by 55% from $105 in June 2014 to $47 now.
So why has the price of oil fallen? There are principally 3 main reasons;
Firstly, America has become the world’s largest oil producer through ‘fracking’, the process of fracking is the practice of injecting water, sand and chemicals deep underground at high pressure to extract crude oil and natural gas from dense rock formations. Though the USA does not export crude oil, it now imports much less, creating a lot of spare supply.
When do you expect to retire?
The further in advance you start planning for it, the more you improve your chances of achieving the retirement you want. However, even if your retirement is close and you’ve done little to prepare, any action you can take now is generally better than none.
Have you decided on your retirement age?