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This section of our site contains a variety of informative articles and top tips regarding family, personal relationships and domestic interests as a whole.
Act on scams
‘PLAY YOUR PART’
Behind every deceptive money grabbing, life destroying SCAM & Fraud there is a crooked plot – acted out by unscrupulous people. Every plot has room for at least one walk on part and that’s where you and I can change the script.
July is the Citizens Advice National Scams Awareness month ‘PLAY YOUR PART’ and Citizens Advice Jersey is spreading the word about scams to help stop more people across the Island from being conned.
Malcolm Ferey, Chief Executive of Citizens Advice Jersey says
“Being scammed can ruin people’s finances. During Scams Awareness Month we’re encouraging people to play their part in preventing scams by reporting them and telling others about them.”
Play YOUR Part ….
Ask your friends, family and contacts to share a story about a recent unwanted call, they have received, an unwanted email, text or letter with you or their friends. Encourage open discussions about SCAMS.
Share the FACTOID that 45% of people think that hearing someone’s voice makes it easier to judge their honesty. Remember, they are still strangers! #TakeFive.
Check your consent box – to tick or not to tick the box allowing your personal information to be captured by legitimate companies and then shared or sold to affiliated/third parties simply because a consent tick box had been missed.
Remind everyone that they shouldn’t be rushed – genuine organisations won’t mind waiting
Let others know to listen to and TRUST their instincts – if it doesn’t feel right walk away.
Only 5% of all scams are reported so there’s so many more plots of horror we don’t even know about yet. Which makes it so hard to help those affected or to prevent others from becoming a part of the SCAM.
Scams are becoming highly sophisticated and often use grooming social skills to prey on communities.
The charity is being supported by the Consumer Council and Trading Standards to help spread the word throughout Scams Awareness Month, a campaign encouraging people to report and talk about scams that starts on Saturday 1 July, 2017.
Executive Officer of the Consumer Council, Anne King hopes that our island community spirit will play a pivotal part in keeping people safe from the emotional trauma and impacts of financial loss.
She goes on to challenge islanders to select the PART they can PLAY
Alison De Bourcier, Director of Consumer Affairs and Trading Standards in support says that:
“Trading Standards is actively supporting this campaign, the aim is to reduce the risk and impact of scams and fraud by raising awareness and encouraging Islanders to take action – recognising, reporting and talking about scams.
We all need to play our part in stopping this menace”
The Summer Holidays are fast approaching …
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.
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!
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
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.
- 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.
- 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.
- 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
- 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)
- Heat the oil in a pan and cook the onion on a low heat until lightly golden
- 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
- Add the tomatoes, tomato puree, sugar and 100ml cold water.
- 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.
- 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.
- 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.
- 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.
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.
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
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.
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.
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|
|Irresistible Rich & Fruity|
|Marks & Spencer|
|Classic Recipe Pudding|
|The Collection Intensely Fruity|
|Tesco Finest Pudding|
|Tesco Christmas Pudding|
|Essential Cider & Sherry|
|6 Month Matured|
Settle down with a warm drink and peruse our Christmas survival tips…ranging from call out charges to buying on line and the risks of fake products.
- Buying Online
In most cases if you shop online with a Jersey, UK or EU trader you have a right to cancel and receive a full refund, even if you just don’t like the goods or have simply changed your mind.
This is in addition to your normal statutory rights. There are some exceptions and time limits apply. Check it out before you buy. Extra tips here… http://www.jerseyconsumercouncil.org.je/consumer-skills/shopping-online/
- Product Safety
Be safe this Christmas. Follow the instructions and appropriate warnings. Make sure toys are CE marked and follow the intended age warnings.
- Know who you are buying from
If you are shopping online make sure you know who and where the trader is based. For example don’t assume you are buying from Amazon when you may be buying from an Amazon seller outside the EU.
Your goods may not comply with European safety standards, they may take a long time to arrive and the cost of returning them may be uneconomical.
Don’t be tempted to buy really cheap branded goods online. Electrical goods may be a fire or electrical shock hazard and perfumes and cosmetics may contain harmful substances.
- Additional Protection
You get additional protection when you buy goods or services over £100 if you paid using your credit card. If something goes wrong and the trader won’t help, the credit card company may have to step in.
- Christmas Loans
If you have to borrow money, make sure they are a reputable lender. Do you understand exactly what you are signing up to and what will happen if your financial situation gets worse? Is the lender a subscriber to the Jersey Code of Consumer Lending? See www.gov.je/tradingstandards/consumerlending
- Call out Charges
If you have to call out a tradesman for an emergency repair during this festive season make sure you know what the ‘call out’ or ‘minimum charge’ will be before you agree. Make sure you both understand what work will be carried out, what it will cost (or how it will be calculated) and when and how the trader expects payment.
- Faulty Goods
You have statutory rights if goods are faulty or not fit for purpose. Try to keep gift receipts as it will help if things go wrong and don’t delay in complaining.
- Unwanted Gifts
Your statutory rights do not apply if you simply changed your mind. Check out the store’s returns policy before you buy. Remember if you bought online, you may have additional rights.
- Recall and Safety Notices
Trading Standards publish product recalls and safety warnings. To sign up for notifications, visit www.mygov.je
You can select the category of goods you are interested in, for example food, toys, electrical goods and nursery products.
Finally, do you know where to get help? Trading Standards offer a free and confidential Consumer Advice Service. The drop in service is located under the clock in the Central Market. You don’t need an appointment. Alternatively you can call on 448160 or email firstname.lastname@example.org