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
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:
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
It’s time to spring clean your internet connected devices…
Jersey Police, Airtel-Vodafone, Sure, JT & Digital Jersey endorse the ‘Get Safe Online’ campaign for us all to spring clean our computers, laptops, tablets & phones, to help prevent you from becoming a victim of cybercrime.
This follows recent research revealing over half of Brits have experienced an online crime – it seems that people are not taking the necessary precautions to protect their technology. Just one in four puts security software on their mobiles or tablets (26% and 25% respectively), putting them at a significantly higher risk of spyware, spam, viruses and fraud.Read More
Insurances a necessary part of modern living?
Insurances – where are you buying yours?
We pay annual premiums to cover our homes, holidays, health and cars to name but a few. At the time of renewal we understand that some islanders are buying polices from UK based insurance companies.
We have done a small piece of research to determine whether Jersey residents who take out either household or motor insurance policies with UK-based insurance providers are disadvantaged in any way by onerous claims procedures, which do not necessarily apply to policies from Jersey, based insurance companies.Read More
Own assets abroad? You may want to review your inheritance arrangements
if you own land in the EU – for example a holiday home – you should be aware of the new Regulation 650 / 2012 which came into force
on the 17th August 2015. Unofficially referred to as “Brussels IV”, it means you no longer have to comply with the inheritance rules of the state where your land is located. Jersey law will apply instead.
Tenancy Deposit Protection
From the 2nd November 2015, new legislation will require landlords and letting agents in Jersey to lodge their tenant’s deposits with mydeposits Jersey, a new tenancy deposit protection scheme authorised by the States of Jersey.
The legislation has been introduced to help raise standards in the rental sector by reducing the number of deposit issues between landlords and tenants and providing tenants with better protection from having their deposit unfairly withheld. Tenancy deposit protection has been a huge success in England & Wales for over eight years and deposit related issues are now minimal.Read More
What is the Jersey Fraud Prevention Forum
The Jersey Fraud Prevention Forum will seek to develop a coordinated and strategic approach to the protection of the Island’s general public from investment frauds and scams between the agencies concerned. J
A number of local agencies have joined forces to help protect islanders from fraud and scams. The launch will initiate the first of many campaigns to highlight and raise awareness of the dangers of fraud in particular phone and mail scams.Read More