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Wednesday, June 03, 2015

MARTIN LEWIS has good news and deals if you are jetting off this Summer


Lousy weather and a lot of rotten news around, (except the news that Sepp Blatter is walking....) so try this:   No one is better at it, than Martin Lewis, the money saving expert. Joining his website FOR FREE (!!!) will save you and your family a fortune. This is from this weeks edition, all links are live.:


MARTIN'S QUICK BRIEFING:
For more tips, alerts & awful puns, follow Martin on Twitter


From car hire to currency, free sat-nav to sun cream

Don't let your holiday be ruined by overspending guilt. A few minutes of action now can save £100s, even if you're already booked and not going till August.


1.
Book cheap car hire ASAP (and from Mon ensure you've a DVLA code). Book now & in some resorts it's under £10/day, but the longer you leave it, the costlier it gets. As Dave emailed us, "Booked 4mths in advance, paid £296 for 10 days. Before I went, checked and the price was £900. Glad I booked early." Full help in Cheap Car Hire, but at speed...
a) Use the top comparison sites. Try Kayak*, Carrentals* & Travelsup*.

b) Check stealth fuel charges.
Hire for 3+ days and some firms make you pay for a full tank & return it empty - if you won't drive far, that can be £100 extra. If that'll hit you, search by fuel policy to avoid it.

c) Get cheap excess insurance before you go.
When you pick up the car, the hire firm will push up to £20/day excess cover on top of the included insurance. Instead, get cheap excess insurance for as little as £2/day.

d) Ensure you've your DVLA code. From Mon 8 June, pick up a car in the UK or abroad & you may need to give the hire firm a DVLA code. So request one before you go. It only lasts 72hrs, so time it right - see DVLA code help.

EXTRA TIP: Free foreign sat-nav. Got a smartphone with GPS? Convert it into a free sat-nav for 28 countries. Just download maps before you go.
2.ultimate moneysaverPocket permanently unbeatable exchange rates in every country. The cheapest way to spend abroad is the Halifax Clarity* (eligibility calc) Mastercard credit card, provided you repay it IN FULL each month so there's no 18.9% rep APR. It can take a few weeks to arrive, so apply now.

It wins because, unlike most debit and credit cards, it doesn't add a 3% 'non-sterling transaction fee', so you get the same unbeatable 'Mastercard wholesale rate' the bank does. In other words, £100 of euros costs you £100. Doing it this way usually easily undercuts going to bureaux de change.

Other cards that don't add this fee incl Post Office* (Mastercard), Saga* (Visa) & Nationwide's Select* (Visa) - all decent if you've got them. Use our overseas Card Eligibility Calculator to see which you're most likely to get. Fail to repay them and they're 17.8%, 11.9% & 15.9% rep APRs.

Yet Halifax is our top pick, as Mastercard tends to beat Visa exchange rates (see Mastercard vs Visa), and it has no overseas ATM fee. Though like most other cards, even if you fully repay, you do pay a month's interest on cash withdrawals at c. £1.50 per £100. Cheap Travel Cards (APR Examples).
3. Slash airport parking costs 'from £115 to £40'. The earlier you book, the cheaper. The easy way is to use our discounted links to comparison sites incl APH 20% off* (Gatwick, Heathrow, Manch, Brum), Holiday Extras 10-30% off*, SkyParkSecure 13-25% off*, FHR 12-18% off* and Airparks 12% off*.

As forumite Bigdaddy1210 says: "Brilliant deal using your links for a 4-day break, costing just over £40 instead of £115." Tricks: Cheap Airport Parking
4.Are your EHIC, ESTA, passport & driving licence still valid?
- Going to Europe? Check your EHIC is still valid. 5.2m free European Health Insurance Cards expire this year. It gives you access to EU state-run GPs or hospitals at the same cost as a local. See our Renew EHIC for free guide.
- Is your passport valid for at least 6 months? If not, you may be refused entry to some countries. We heard one story of a family's 4-year-old girl being refused entry to Turkey as she'd less than 2mths left. See passport renewal.

- Heading Stateside? You'll usually need an ESTA. It costs $14 & lasts 2yrs. Do it at least 72 hours before you fly. Full help & legit site: Get an ESTA.
- Driving abroad? Check if you need an International Driving Permit.
5.WARNING: Get insurance as soon as you book - £13 for a YEAR's trips. Buying early doesn't cost more, yet many leave it till late. That's a nightmare. If you get an illness that lasts till you go away or a family death means you need to cancel, if your insurance wasn't in place at the time, you're not covered. Our Cheap Travel Insurance has full info and best buys, in short...
- Cheapest one-off policies from £6. PYB Economy* tends to be cheapest for under-45s (eg, from £6 for 1wk Europe, £13 families). If 45+ both LeisureGuard (Lite)* and HolidaySafe* can undercut it, so check them too.
- Cheapest annual policies (under-65s): If you travel at least twice in a year, an annual policy usually wins. Currently, HolidaySafe (Lite)* wins in most categories. Prices depend on age. Singles £13-£15 Europe, £23-£26 world. Families £27-£30 Europe, £46-£51 world. Full best buys, incl winter sport & our picks with a proven track record, in Annual Policies.

- Cheapest cover for over-65s & those with past medical problems. Full best buys: Over-65s Travel Insurance and Pre-Existing Conditions Cover.
All the policies above meet our minimum cover criteria.
6.Find the best foreign cash rates in seconds. If you want cash in your pocket, our TravelMoneyMax travel money comparison tool compares over 40 online bureaux to show which give the best rates. My guide on The pound's hit €1.40. Should I buy now? may also help.
7.Cheapest prepaid cards for spending abroad. Here there's no credit check. Just load it with cash before you go, then spend it abroad. Yet you're at the mercy of currency moves (for good or bad), as unlike with credit cards, you usually get the rate on the day you load, not when you spend.

Our top picks based on rates and fees are the FairFX euro* and FairFX dollar* cards, specifically via these links, where they're free (direct, they're £9.95 unless you load £200+), plus load £500+ and you get an £8 discount. More picks and info for other currencies in Cheap Prepaid Travel Cards.
8.Don't buy new sun cream. Open bottles can still be effective for up to two years. Check the Period After Opening (PAO) number on the bottle - it looks like a jar with a lid and has a number next to it (usually 12 or 24). For more clever tips, eg, grab the best plane seat, see 50+ Overseas Travel Tips.
9.Fight budget airline extras, incl Easyjet refund trick. If you're flying on a budget airline, expect added 'extras', including charges for airport check-in. Follow our 23 Budget Flight Tips checklist to push these costs down, eg:

- Booked on Easyjet? If the price has dropped, see Easyjet refund trick.
- Hand luggage can be bigger than you thought. See size limits.
- Wear your luggage. To reduce check-in bags, wear heavy coats, stuff underwear in pockets or even buy multi-pocket suitcase jackets.
- Always check in online & print your boarding pass. If not, some airlines charge large, eg, with Ryanair, it's £90/person per return flight.
- Security bans liquids, not food, so take a plane picnic.
- Baby on board? Budget airlines charge up to £80/rtn to take a tot under two on your lap, so compare infant fees first.
10.Bag cheap attraction tickets before you go. Paying on the door can be costly, especially for popular attractions such as theme parks, water parks or historical sites. So check discounted advance tickets. As MSE Paloma says: "I saved $50 on two-day passes to Six Flags theme park in LA by buying tickets in advance." This is especially powerful if you're going to see the big mouse - see our Cheap Disney Tickets guide.

PS: Not booked anywhere yet?
See our 27 Cheap Flight Tricks, our Cheap Hotels and our Cheap Package Holidays guides for full help.
















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OUR HUMAN RIGHT TO LAMPOON AND CRITICISE POLITICIANS

THE HIGH COURT has ruled....People have a right to lampoon and criticise politicians and public officials under the Human Rights Act, the High Court has ruled.

We have the full High Court judgment, saved as a page on here. l

ampoon (lampoon) Pronunciation: /lamˈpuːn/ verb [with object] publicly criticize (someone or something) by using ridicule, irony, or sarcasm: the actor was lampooned by the press noun a speech or text lampooning someone or something: the magazine fired at God, Royalty, and politicians, using cartoons and lampoons.

Derivatives: lampooner noun lampoonery noun lampoonist noun Origin: mid 17th century: from French lampon, said to be from lampons 'let us drink' (used as a refrain), from lamper 'gulp down', nasalized form of laper 'to lap (liquid).

NUJ CODE OF CONDUCT

NUJ Code of Conduct

The NUJ's Code of Conduct has set out the main principles of British and Irish journalism since 1936.

The code is part of the rules and all journalists joining the union must sign that they will strive to adhere to the it.


Members of the National Union of Journalists are expected to abide by the following professional principles:

A journalist:

1 At all times upholds and defends the principle of media freedom, the right of freedom of expression and the right of the public to be informed

2 Strives to ensure that information disseminated is honestly conveyed, accurate and fair

3 Does her/his utmost to correct harmful inaccuracies

4 Differentiates between fact and opinion

5 Obtains material by honest, straightforward and open means, with the exception of investigations that are both overwhelmingly in the public interest and which involve evidence that cannot be obtained by straightforward means

6 Does nothing to intrude into anybody's private life, grief or distress unless justified by overriding consideration of the public interest

7 Protects the identity of sources who supply information in confidence and material gathered in the course of her/his work

8 Resists threats or any other inducements to influence, distort or suppress information and takes no unfair personal advantage of information gained in the course of her/his duties before the information is public knowledge

9 Produces no material likely to lead to hatred or discrimination on the grounds of a person's age, gender, race, colour, creed, legal status, disability, marital status, or sexual orientation

10 Does not by way of statement, voice or appearance endorse by advertisement any commercial product or service save for the promotion of her/his own work or of the medium by which she/he is employed

11 A journalist shall normally seek the consent of an appropriate adult when interviewing or photographing a child for a story about her/his welfare

12 Avoids plagiarism The NUJ believes a journalist has the right to refuse an assignment or be identified as the author of editorial that would break the letter or spirit of the code.

The NUJ will fully support any journalist disciplined for asserting her/his right to act according to the code

The NUJ logo is always a link to the home page.

(As modified at Delegate Meeting 2011)