Home life Category
This section of our site contains a variety of informative articles and top tips regarding family, personal relationships and domestic interests as a whole.
Eating on a budget, finding time and having the confidence to prepare meals from scratch, are why sometimes many find it difficult. With a bit of planning, using leftovers and just giving it a go, it does get easier.
A good place to start is a weekly menu plan and a budget, which will help you get into the habit of knowing what your weekly shop will cost. Allocate one or two days for a pasta dish, they are cheap, quick with many variations, such as meatballs and spaghetti, ham and pea or simply fresh tomato sauce, all of which should cost under £5.
Sunday is a great day for a roast as you will have more time, plus you can use the leftovers for a dish or two during the week. Why not buy a bigger chicken and strip the carcass down to create a chicken and leek pie on Monday, or a chicken curry with some simple flat- breads another day?
Once you become confident with creating really simple dishes, you’ll find yourself building several weekly meal planners which you can just use time and time again. Because after all, we need these things to be simple.
Caring Cooks have a range of cost effective recipes allowing you to try your planning, shopping and cooking skills. Caring Cooks are treating us all to a Cookery demonstration 27th September Coop Grande Marche St. Helier 12:30 – 13:30 pm.
Let’s get started…
- Work out your weekly grocery budget (planners available by post or http://www.jerseyconsumercouncil.org.je/money-matters/budget-planner/).
- Plan out a weekly menu (recipes available by post or http://www.caringcooksofjersey.com).
- Write out your shopping list; including weight of ingredients.
- Be disciplined when you shop and stick to your budget. Where possible ‘Shop the Offers’. Get familiar with your supermarket’s offer cycles.
- Allow planning and preparation to be a priority. This gives you time to batch-cook and freeze where appropriate. There is no need to feel guilty about time spent planning and cooking.
- Enjoy your cooking, keep budgeting and planning.
If you would like to learn new skills and confidence in the kitchen, and are over 16, please get in touch with Caring Cooks to find out more.
Recipes which share ingredients and are simple to make can be found here on Caring Cooks website:
Your financial circumstances might sometimes mean that you require professional advice to make sure that you make the correct decisions and take the correct actions.
A professional adviser will help you to prioritise your financial goals and give you an understanding of the bigger picture, taking into account other important factors such as any potential tax implications and investment risk. There are thousands of different financial products and investments available and choosing the right one for you can be difficult and at times confusing.
Do you need financial advice?
You may find it helpful to speak to a financial adviser if you are not sure what you need to do or are feeling confused about the options available to you. Financial advisers can help you with a variety of things, such as:
- Providing an income after you stop work
- Saving and investing your money
- Buying and insuring your home
- Insuring yourself and your family against illness, disability or premature death
- Passing your assets on to the next generation tax efficiently
- Changing personal circumstances such as starting a family, redundancy, divorce or bereavement
Once your financial adviser has recommended a plan to help you achieve your financial goals it should generally be reviewed on a regular basis to ensure it remains appropriate to your circumstances and accommodates any changes to your priorities.
What does professional financial advice cost?
Financial advisers usually charge for their services in one of (or a combination of) the following methods:
- an hourly rate – typically averaging around £150 – £250, but can be higher for specialist advice;
- a percentage of the money invested – this can vary depending on the size of the initial investment and will typically be 0.5% to 3%. An annual charge for reviewing an investment portfolio is likely to be 0.50%-1%;
- a fixed project fee – typically £1,000 – £5,000 for a specific piece of research and advice work;
- some firms may also charge clients a monthly retainer fee of between £50-£100.
Fees vary depending on the experience and qualifications of the adviser and the geographical location of the business.
Advisers are no longer paid commission, except for certain non-investment product recommendations, and they have to explain to you how much the advice will cost you. You will need to agree this and how you will pay for it before any advice is provided.
What should I be looking for when dealing with an adviser?
It is important to understand whether your adviser is regulated to provide investment and financial advice in Jersey. A regulated advisory business needs to have in place professional indemnity insurance, which would provide their clients with an additional level of security.
A professional regulated adviser will be able to draw your attention to the potential pitfalls of what may seem a fool proof way to get a much better return on your assets. This is becoming more common place because traditional methods of generating returns on your capital such as bank deposits and low risk investments are currently providing little or low returns than in previous times.
The following list is a prompt for some of the questions you can ask your financial adviser.
- Are you regulated to provide financial advice?
- What is you experience?
- What types of clients do you work with?
- What are your qualifications?
- Do you offer an area of expertise?
- How much will the advice cost?
- What information will you need from me?
- What are the risks associated with the recommendation?
Financial planning involves revealing detailed personal financial information and can involve divulging information about your goals and ambitions, so you need to be comfortable in the company of an adviser. It is worth meeting a few to determine who you are most comfortable working with in an ongoing professional relationship.
There are two great truths when considering investments
- If it looks too good to be true it generally is
- Don’t put your investment eggs in one basket
A little-known flaw in the Consumer Credit Act may put Jersey shoppers at risk of losing their money if things go wrong.
Under Section 75 of the UK Consumer Credit Act, shoppers who make payments between £100 and £30,000 on a credit card can get their money back if the goods turn out to be faulty, not as described or don’t arrive. The UK law makes the retailer and credit card company jointly liable. Jersey consumers usually benefit from this protection due to terms and conditions reflecting the UK Consumer Credit Act.
However, a little-known loophole revealed by a MoneySavingExpert means that consumers will only be reimbursed if there is a direct link between the customer, their credit card provider and the supplier. If the payment is processed by a third-party company then the protection under Section 75 does not apply.
So, if you bought a concert ticket through an agent on a credit card, you may not be able to get your money back using Section 75 if it doesn’t arrive.
The same may apply if you booked a holiday through a travel agent. However, the travel industry may very well have their own financial protection schemes in place.
You may also not be covered for credit card transactions made through online payment platforms, such as PayPal, because it breaks the chain between customer and supplier. However, if the firm you’re buying from has a “Commercial Entity Agreement” you’ll be able to make a claim under Section 75 even if you use PayPal. PayPal has its own Buyer Protection scheme. This covers online purchases made on eBay and other websites if the item does not arrive or match the seller’s description. Property, vehicles, custom-made items and industrial machinery are among some items that are not guaranteed.
Amazon is another firm where Section 75 may not apply. Shoppers who buy items on a credit card from third-party suppliers on the online marketplace will not be covered. If you buy directly from Amazon then you could make a claim.
Confused, it is not surprising! Trading Standards offers the following advice:
- Know who you are buying from and who will take your payment
- Wherever possible put payments on your credit card
- If you are entitled to protection, you are still covered even if a small proportion, part payment or deposit was paid using your card
- When things go wrong, don’t delay. If you don’t have Section 75 protection you may alternative protection through platform buyer protection schemes, but these are often time limited.
Free confidential consumer advice is available from Trading Standards on 448162 or email firstname.lastname@example.org. You can also drop in, they are in the Central Market under the clock.
When we pay a deposit, we are committing to a binding contract with the outstanding payment to be paid at a later date. The natural position of the Law is that the deposit will not be refunded should you decide you do not want the goods or services. You should be aware that the trader may be in a position to pursue you for the outstanding money.
For example, when ordering a wedding dress or prom dress, we are usually required to pay something upfront. It is always recommended that you ask whether the amount it is refundable or not, and if it is, ask the person to indicate the term on the receipt or by email.
For further advice on this matter or any other consumer issues, please contact Trading Standards on 01534 44160.
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