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Jersey Consumer Council

Author: ConsumerCouncil

Sun Screen – Things YOU Need to Know

May 19, 2017 Health Matters, Home life, Travel and Transport No Comments
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The Summer Holidays are fast approaching …

Water Resistant

The effectiveness of water – resistant product SPF 30 could drop to SPF 15 after a swim. Plus towel drying is also likely to rub off sunscreen.

 

SPF …

This is an indication of how long sunscreen protects against ultraviolet radiation that’s linked to skin cancer and is the main cause of sunburn (UVB)

 

The SPF number doesn’t relate to the amount of protection a product provides it relates to time from when YOU step into the sunshine, depending on your own skin type – if an SPF30 product is applied correctly it will protect you for 30 times longer than if you wore no sunscreen. The clock doesn’t get reset each time you reapply the time is set for the day and if you don’t apply enough it will not provide its full SPF.

Cancer Research UK says it’s all about ‘How well you put it on’ for example

Most people under-apply sunscreens, using ¼ to ½ the amount required. Using half the required amount of sunscreen only provides the square root of the SPF. So, a half application of an SPF 30 sunscreen only provides an effective SPF of 5.5!


Why Passport checking may take a few moments

May 19, 2017 Travel and Transport No Comments
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When a ship/aircraft arrives in Jersey from a place outside the Common Travel Area (CTA), it is a requirement that the passports of all passengers are checked.

 

When a ship/aircraft arrives in Jersey from a place outside the Common Travel Area[1] (CTA), it is a requirement that the passports of all passengers are checked. Such checks include the swiping of every passport. There can be no exceptions for the holders of passports issued in Jersey. To apply such an exception would place in jeopardy the Island’s position in the CTA, and potentially lead to the UK introducing a passport control between Jersey and the UK.

 

The requirement to swipe all passports is a relatively new one, but has become necessary as a result of heightened security. It takes approximately 10 seconds to swipe a passport, and this obviously increases the time it takes to pass through the immigration control. It is the view of the Customs and Immigration Service, however, that this is acceptable if this means keeping the Island safe and ensures that the Island’s immigration control is not seen as a weak link in the CTA.

[1] The Common Travel Area is an open borders area comprising Ireland, the United Kingdom of Great Britain and Northern Ireland, the Isle of Man, and the Channel Islands. British Overseas Territories are not included.


Are you using the correct charger for your device?

May 19, 2017 Home life No Comments
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Incorrect charger use exposes weaknesses in the battery and is likely to cause damage.

By using a charger that is too powerful for the device you are charging, it can expose weaknesses in the battery and cause it damage, leading to a shortened life span of the item or in more extreme cases, the battery could fail and pose a fire hazard.  For example, e-cigarette batteries generally run on lower amperage to mobile phone chargers. Nationally there has been a rise in fires involving e-cigarettes; the direct cause being due to failure of battery packs during charging.

 

A spokesperson from Electrical Safety First has commented ‘Always use the charger that is supplied, or designed to be used, with the device.  If a charger with a different amperage is used, this could lead to an incorrect charge being supplied resulting in damage to the battery.  A damaged battery is at risk of catching fire or exploding. Lithium batteries, which are common in products like e-cigarettes and mobile devices, are very sensitive and need to be charged carefully.’

 

When charging devices:

  • always use the correct charger and follow the manufacturer’s instructions.  Mobile phone chargers are generally too powerful for charging e-cigarettes
  • never charge a battery that has signs of damage, that has been dropped, or has been subjected to impact
  • never plug a charger into a non-approved mains power transformer
  • check that your e-cigarette battery has overcharge or overheat protection
  • remove the battery from charge when complete, don’t overcharge
  • never leave a battery on charge unattended
  • don’t use if wet or exposed to water
  • E-cigarettes -do not over tighten the atomiser or when connecting to the charger
  • ensure that you dispose of batteries correctly

 

If you require any further assistance please contact Trading Standards on 01534 448160.

 

With thanks from Trading Standards & Jersey Fire Service


Local charity launches ‘Healthy Eating Week’ and encourages islanders to eat well and eat together

May 19, 2017 Consumer Skills, Home life No Comments
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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.

 

There are plenty of inexpensive, nutritious and delicious foods available all of which can be used to prepare healthy meals from scratch in a much shorter time than you might think. Planning your meals and smarter shopping can help you to make your money go further and help you cut down on waste too.

 

Here are just a few top tips from Caring Cooks of Jersey on how to be cost conscious but enjoy healthy, delicious and nutritious food.

 

  1. Plan your meals. Planning your weekly meals, writing – and sticking to, a shopping list will help you avoid making the impulse buys which often tip the bill over budget. Scan the shelves for lower cost items, be aware of special offers but don’t be tempted to buy something that may actually go to waste. Supermarket economy ranges can be great value and nutritionally there is often little difference to the standard or branded versions.

 

  1. Look for special offers on long shelf-life products. Stocking up on store cupboard staples such as dried pasta and rice, tinned or dried beans and pulses and tinned tomatoes can save money. All these ingredients can be used to bulk out your meals to make them go further.

 

  1. Buy cheaper cuts of meat. Use chicken thighs rather than breast for example, and whilst you may not be familiar with cooking a whole chicken, this can be great value, especially if you use it for more than one meal. A traditional roast chicken is delicious and really simple to do, then use any left overs for curry or with salad or vegetables the next day.

 

Mince is also a great ingredient, versatile and inexpensive, there are lots of tasty, satisfying dishes you can make with mince such as lasagne, bolognaise, cottage pie or one of our family favorites mince and pea curry.

 

Caring Cooks of Mince and Pea Curry Recipe

Ingredients

  • 1 tbsp. vegetable oil
  • Pack of beef or lamb mince
  • 1 large onion, finely diced
  • 2 garlic cloves crushed
  • 2 fresh green chillies, deseeded and finely diced (optional)
  • 4tbsp medium curry paste
  • 1 tin chopped tomatoes
  • 1 tsp sugar
  • 4 tbsp. tomato puree
  • 250g frozen peas
  • Coconut cream (optional, as it can be quite expensive)

Recipe

  1. Heat the oil in a pan and cook the onion on a low heat until lightly golden
  2. Add the garlic, chillies (if using), cumin seeds and curry paste and fry for 2-3 mins and then add the mince, cooking until it’s browned
  3. Add the tomatoes, tomato puree, sugar and 100ml cold water.
  4. Simmer for about 20 minutes, add in the frozen peas and coconut cream (if using), and cook for another 10 minutes.  Serve with boiled white or brown rice

 

Supermarkets often have ‘bulk buying’ offers on meat such as ‘three for two’ and similar. Anything you are not going to use straight away can be put in the freezer for another time.

 

  1. Make use of canned oily fish. Canned sardines and salmon can be cheaper than buying fresh fish, plus they are easy to prepare and have a long shelf life. Choose those canned in spring water to keep the salt content to a minimum. You can make fishcakes with canned tuna, cooked potatoes and chopped parsley with a squeeze of lemon. Roll the mix in flour, egg and breadcrumbs and then fry lightly. Using frozen fish is another great way to help ensure you are getting Omega 3 fats and can often be added to dishes straight from the freezer.

 

  1. Use frozen and canned fruit and vegetables. Using frozen vegetables can be cheaper than using fresh and they count towards your 5 A DAY. If you have a stock in your cupboard you can use them when you want without them going off, which cuts down on waste. But do watch out for those that have added sugar and opt for varieties in water when possible.

 

  1. Buy fresh fruit and vegetables when in season. Here in Jersey we have an abundance of wonderful, locally grown produce – make the most of it! Fresh fruit and vegetables in season are often great value and they taste fantastic.

 

Of course budget planning, shopping and cooking food from scratch can seem a little daunting, many people may never have learned to cook, or perhaps have lost their confidence in the kitchen. If that sounds familiar then why not join one of the Community Cooking Courses offered by Caring Cooks of Jersey? These courses are a great way get into the kitchen, to learn new skills in a friendly and supportive environment and to help change the way you and your family eat. The courses run over a five week period on either a Monday and Wednesday evening at Le Rocquier School, St Clement. All the ingredients are provided and each week you get to take home a tasty two course meal. For more information and to book a place visit the ‘Our Services’ section on the Caring Cooks website www.caringcooksofjersey.com.

More top tips

Use leftover vegetables to make soup. Soups made with added pasta, rice, beans, lentils or root vegetables such as sweet potatoes, parsnips, turnips and carrots are tasty, filling, cheap and freeze well.

Baked potatoes are great as a healthy and filling meal. Experiment with your favourite toppings. Make the most of having the oven on and add some extra potatoes that can then be kept for a couple of days in the fridge (or longer in the freezer) and microwaved for a quick meal another time.

Store bread in the freezer. If you don’t use bread that often and you have space in your freezer, why not freeze the loaf when you buy it and then take a few slices out as and when you need them to avoid waste.

Make your own ‘ready meals’. Simply double your usual recipes and freeze half. Dishes such as chilli, cottage pies, soups and stews all freeze well and are ideal for those days when you don’t have the time to cook.

 

 

 

 

 

 


GST and the De-Minimis Waiver

May 19, 2017 Money Matters No Comments
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Customs Explain that the De Minimis Waiver is intended to benefit an individual making a single purchase worth under £240 and shipping it to Jersey

All goods are liable to GST on import regardless of value. The de-Minimis waiver under which GST is not charged is not a right but an administrative concession designed to manage the overwhelming numbers of consignments and letter packets that would otherwise have to be charged up. The cost of handling such high volumes of low value goods outweighs the amount that would actually be collected. The de-minimis waiver ministerial decision can be found by clicking https://www.gov.je/government/planningperformance/pages/ministerialdecisions.aspx?docid=0995E584-AA0F-4CA0-96A9-A5BDF532FB64

 

The de-Minimis waiver was intended to benefit an individual making a single purchase worth under £240 and shipping it to Jersey. It was not intended to allow individuals, or indeed businesses, to make several purchases all under £240 from the same supplier on the same day hoping they will arrive separately. The Customs & Immigration Service web page on gov.je https://www.gov.je/TaxesMoney/GST/GSTCustomers/Pages/DeclaringPaying.aspx#anchor-1 clearly states that “If you order multiple items (consignments) that arrive as one shipment, we will treat this as a single delivery.”


Mis-selling of Financial Products

February 22, 2017 Money Matters No Comments
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The Jersey Financial Services Commission has launched a campaign this year to raise awareness in respect of the mis-selling of financial products. Of particular concern are cases when individuals with limited resources and little or no knowledge of complex investments have been advised to invest in high-risk products that are suitable for sophisticated and experienced investors only.

 

Here are some key points to remember when taking advise about a financial investment:

 

  • You may have a good relationship with your investment adviser but remember, ultimately this is a business transaction. In a small community, the lines between business and friendship can easily blur. Are you too close to the person advising you?
  • Assess the advice on the merits. Do you properly and fully understand what the risks are: Can you clearly explain those risks to a family member or friend in just a few short sentences?
  • Most members of the public are retail customers and not sophisticated investors – is the product been put forward for your consideration intended for the retail market or is it only suitable for sophisticated and experienced investors? If you don’t know the answer to this question, ask.
  • If you are invited to sign documents, make sure you have read and understood the contents of those documents. If you need more time, you are entitled to take it. Has your investment adviser set out in writing the key risk factors relating to your product? Do you agree with the risk profile that has been ascribed to you by your adviser? If you disagree, say so.
  • If you are advised to cash in early a relatively low risk investment or a pension, be extremely careful before agreeing to do so. This is particularly so if you are at or near retirement age.
  • Take a step back and ask: does it sound too good to be true?

 

The Financial Services Ombudsman is able to adjudicate on complaints arising from the mis-selling of financial products and the obvious advantage of this system is that the investor does not incur costs by engaging the Ombudsman. However, the Ombudsman cannot consider complaints arising from events prior to 1st January 2010 and can only award a maximum of £150,000 in compensation. For those investors who have suffered losses in excess of this sum, or who acquired a financial product prior to 2010, the appropriate step is to bring a claim in the Royal Court.

 


Charities & Bequest Issues

February 22, 2017 Consumer Skills, Home life No Comments
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The majority of us will have had personal experience with specific charities. For many, it is important to support these charities after our death so that their services can continue to provide a benefit and make a difference. Leaving a bequest to a charity in your Will is a great way of doing this.

 

When leaving a bequest some may have a specific purpose in mind for the bequest they are making, however it is important to bear in mind that there are a vast number of charities, some with very specific aims and some with a wide and general purpose. Is it possible therefore, to bequeath money to a charity and specify how they put that money to use? The short answer is that in general, it is not possible to specifically direct how you would like your money to be used. This is because once a bequest has been made the funds belong to the charity and they are free to decide how best to use it. Having said this, it is possible to express a wish in your Will that the money be used for a specific purpose. This will give the charity a clear idea of how you intended the money to be used even if it is not binding. One of the most common examples that we see, is a bequest to a medical charity, with a wish expressed that the money to be used for research purposes.

 

 

Advocate Zoe Blomfield, Managing Partner

t: +44 (0) 1534 888666


If your hand luggage is put in the hold it might NOT be covered by insurance.

February 22, 2017 Home life, Insurances, Travel and Transport No Comments
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HAND LUGGAGE put in the hold on a busy flight might seem like a mild inconvenience – but if your bag gets lost, stolen or damaged, it might not be covered by your travel insurance.

 

More of us are opting to travel with just hand luggage opting out of paying to check in a bag. However, this often means there are too many cabin bags to fit in the overhead lockers and airline staff need to stow a certain number in the hold.

 

Consumer watchdog Which? found that the leading five UK travel insurance companies including Aviva, LV and Axa don’t cover valuables placed in the hold for loss, theft or damage.

 

Which? is warning travellers to take any valuables out of their hand luggage before they hand it over to cabin crew.

 

Another issue with having to check your bag unexpectedly is waiting to pick it up from the baggage carousel. If this process is delayed and a passenger misses a connecting flight as a result, airlines are not required to pay compensation.

 

These days, it is highly likely that passengers may have their cabin bags taken and put in the hold, because planes simply don’t have the capacity to takes all bags in the cabin.

 

If you have to put a bag in the hold at the last minute, try to remove wallets, keys, laptops and other valuables. If any items go missing from the hand luggage bag that you had intended to keep with you, do make clear to the airline that you expect compensation.

 

Make sure that you know if your own travel insurance covers this eventuality before you travel.

 

 

 


Jersey Telecom’s Billing Changes

February 10, 2017 Home life, Telecommunications No Comments
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Both Jersey Consumer Council and Citizens Advice Jersey have received numerous telephone calls and emails from concerned landline only JT customers in relation to the costs being introduced for paper bills and payment choices, other than direct debits.

 

Your heartfelt comments, frustrations and anger have all been shared with managers from JT. It has to be recognised that we cannot stop the tide of change but we can help consumers to move with the tide as much as possible.

 

Over the last few days we have been talking to JT on a daily basis to sort out some steps to help the vulnerable and land line only customers who are overwhelmed and frightened by the proposed changes.

 

The JT team are sympathetic and have listened to all of your questions, comments and criticisms. The following options are being offered to help;

 

  • JT Prime talk customers with no other products on a monthly Bill can switch to a quarterly bill to reduce bill charges
  • JT customers with multiple bills can arrange to have all their products on one bill to avoid duplicate charges
  • JT will contact selected Prime Talk customers with more information on Direct Debit payment options
  • You don’t have to print your bills – if you have an iPad for example but no printer you can still opt to pay using traditional methods i.e. cheque or cash (albeit at a charge) you will need to write down the Account number

 

JT have assured us that they ‘always abide by the direct debit guarantee and distribute bills at least 5 working days prior to a direct debit taken out.’

 

We are still talking to JT, as consumers continue to contact us with ideas and initiatives to help our community.

 

Dominic Vye, JT’s Head of Commercial Development, said: “The new billing structure aligns JT with the vast majority of our customers, who receive their bills online and pay by Direct Debit. As their numbers have grown so has the cost of paper billing and administering non-Direct Debit payments.

 

“But we were always conscious that some customers would be affected, which is why we are working closely with groups such as the JCC to make this transition as smooth as possible”.

 

If you still have concerns please telephone the Jersey Consumer Council on 611161 or leave a message.


Christmas Puddings & Pricewatch

November 14, 2016 Home life, Top tips No Comments
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Having found our Mince Pie tasting in 2015 so revealing we decided to put Christmas Puddings to the taste and price test this year. Taste testers helped us from Citizens Advice Jersey, Trading Standards, the Channel Island Competition and Regulatory Authorities and 4insight, a local Market Reserach Company. Our 5 testers (we had two testers from Trading Standards as one was an entrant to the Great British Bake off 2015) each tester could award a maximum of 25 points per pudding; the clear winner was the most expensive of our pudding purchases.

The testers noted that the complexity of microwave cooking such as microwave for 2 minutes, rest for a minute, cook for 40 seconds and then rest again seemed to have benefits when it comes to the final texture. Detailed below are the scores from the ‘blind’ tasting. Now it is your turn to see if you agree with our testers!

Puddings Tested…full results will be published week commencing 28th November in our all island newsletter.

Brand of Christmas Pudding
Coop
Christmas Pudding
Irresistible Rich & Fruity
Marks & Spencer
Classic Recipe Pudding
The Collection Intensely Fruity
Tesco Alliance
Tesco Finest Pudding
Tesco Christmas Pudding
Waitrose
Essential Cider & Sherry
6 Month Matured