Author: Consumer Council
Thinking about Life Insurance… but not sure which policy is right for you?
Most people have two or three main protection needs that can be covered by Life Insurance (often known as Life Assurance):
Paying off large debts such as your mortgage in the event of your death.
• Family protection, where you leave behind money for your family to live on after you’ve died.
• Funeral expenses
Different types of insurance policies are good for different protection needs:
Transport Survey 2013/2014
PUBLIC BUS SERVICE
The majority of those interviewed are happy with facilities at the Bus station with 82% falling into the “Good” or “Fair” brackets. However, certain aspects could be improved:
“Need more seats for waiting at bus station for the elderly.”
“Liberation Station is too cold in the winter.”Complaints and compliments
The main complaints are that the buses are too wide for the Island roads and they do not run to
time. The excessive width causes a considerable amount of stopping and starting to allow
oncoming vehicles to pass, resulting in a reduction in passenger comfort.
It should be remembered that the survey was carried out in the early days of Liberty Bus’ new contract and that the general feeling now is that the timings have improved considerably as
less complaints are being received by the bus company.
Local charity launches ‘Healthy Eating Week’ and encourages islanders to eat well and eat together
The first ever Caring Cooks of Jersey Healthy Eating Week takes place from Monday 12th June through to Saturday 17th June. The local charity which aims make nutritious and tasty food part of daily life is encouraging us all to think about how we can eat well and eat together, even when short on time and on a tight budget.
Digital Assets … Spare them a thought
Digital assets should be viewed as a form of property. They can be transferred or bequeathed to those who you wish to receive them by way of a will.
What you will need to consider
Unlike physical property, digital assets are intangible and invisible. The rights of ownership, control and access of digital assets are intertwined with complexities of privacy and security protection as laid out in various service provider policies. It is therefore a good idea to check these before you consider leaving digital assets in your will. Your digital legacy should be divided into ‘digital assets’ and your ‘digital presence’.
will include your music, film and book collections that that you have bought and downloaded online as well as any online bank accounts or investments that you may hold.
includes any social media accounts, e-mail or personal websites which make up your online footprint. In the case of digital presence, many people want to be able to shut down the online accounts of loved ones after their death but may struggle to do so because of the terms of the account’s policy.
It would be extremely useful for your Executor if you could leave a list of your digital assets, details of your digital presence and a list of all of your online shopping accounts with your will or with a loved one. You will then have dealt with your digital legacy as carefully as you have dealt with your tangible assets.
Funeral costs comparison
Death should not be a topic which we all avoid discussing – it is best to talk about death regardless of your age; remember it is a fact of life and your funeral service shouldn’t leave your family in debt.
We would recommend that you visit each of the Funeral Directors in Jersey to view their premises
and meet the staff who would be caring for your family. Each business offers bespoke personalised services and your relationship with the Funeral Director is really important throughout the planning and service stages.
“Understandable lack of shopping around by consumers at their lowest ebb, and an industry where costs can be opaque; the reality is a huge range in pricing, which could potentially save consumers hundreds of pounds”
Simon Cox, Consumer Protection Proposition Lead, Royal London Group1 SunLife’s annual 2016 report titled ‘The Cost of Dying’ is the fastest rising of any fixed cost in the UK – rising much faster than living costs, such as rent, food, utilities, insurance or clothing: ‘the funeral – which makes up 44% of the cost of dying – has soared by 5.5% in a single year. The average funeral in the UK now costs £3,897 which is more than double what it was when SunLife first started tracking funeral prices in 2004’.
Top Tips for employing builders or tradesmen…
Having building, general maintenance or home improvement work done can be difficult and stressful. It is important that you develop a positive and honest relationship with those undertaking work for you; the tips listed below will help you achieve that. Do not be afraid to ask lots of questions, do your research and know exactly.
Do you feel under pressure and tempted to spend money that you cannot afford at Christmas? To help you stay within your budget, the Consumer Council has put together a food and present planner.
If you use this or any planner, you are less likely to exceed your budget, and your money should go further.
Can’t print it? We can pop a copy in the post to you. Please call on 611161 or email us at email@example.com
Yuletide Puddings & PriceWatch
we taste tested 4 budget and 4 slightly more luxurious Christmas Puddings from our local supermarkets – Now it is your turn to see if you agree with our testers!
Heading out for a festive meal? Can a Service Charge be added to your drinks bill? Equip yourself with the knowledge to fully understand service charges.
We have joined forces with Trading Standards to list out Ten Tips to help survive Christmas
The Channel Island Financial Ombudsman has been in operation for a year now and the latest results show just what you have been complaining about and whether they can help or not.
Fancy joining us for one of our #free lunchtime seminars? The next topics include Financial Mis-Selling, Long Term Care, Curatorships, Consumer Protection, SCAMS and more….
Islands Pricewatch, Insurance Tax and 16 lunchtime talks to choose from…
We collected 103 prices across 9 items. Jersey was the most expensive for 8 out of the 9 items; and also cheapest for 5 out of the 9 items (notably three of these were at Rosedale Stores Gorey; whilst limited stocks last).
Insurance Premium Tax (IPT) is a UK tax applied to general insurance premiums. There are two rates. Standard at 9.5% and a higher rate of 20% for travel insurance, mechanical / electrical appliances insurance and some vehicle insurance.
16 lunchtime talks to choose from…
We are pleased to offer the following ‘free’ lunchtime talks. The talks all run between 13:10 – 13:50. These sessions will be informative yet informal – you are welcome to bring your lunch.
Seeing your Doctor?
Here are a few tips…to make the most of your time with your Doctor
Be Prepared…lists will always help and read them out at the start of your appointment. This helps the doctor to see the whole picture and to avoid leaving the embarrassing ailment until you are about to leave.
Try to pre-empt your doctor’s routine questions, prepare answers for: ‘how long has it been going on? Have you had it before and has anyone in the family had the same thing? And be specific and upfront about your history.
A symptom diary can help; these are helpful for tracking times when symptoms hit.
Your doctor may ask you to return to discuss one of your problems – it maybe that he or she feels that it deserves more time and a more detailed evaluation. A repeat visit will almost certainly incur a further charge.