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This is MoneySave money abroad - don't pay with your debit card: If you're jetting off, here's how to avoid being hit by hidden ...This is MoneyRachel Springall, financial expert at money data scrutineer Moneyfacts, says: 'While consumers get protection from theft when using their plastic abroad, some debit and credit cards will charge eye-watering fees each time cash is withdrawn or a ...
This is MoneyRecession is looming after household debt soars as consumers borrow more to plug the gap between rising prices and ...This is Money'The key driver of UK GDP growth – the consumer – is under assault,' she said. 'We believe that there is ... Virgin Money has issued more zero rate balance transfer cards as a proportion of its total credit card lending than its rivals. The Bank of ...
Individual personal pensions fare worse than group pensions, shows researchScience DailyThe study used a sample of 14,429 individual personal pension (IPP) funds and 1,681 group personal pension (GPP) funds, offered to UK investors between 1986 and 2015. The sample included a subset of providers who offer both ... Individual investors ...
AOL UKThe most frequently damaged possessions: Are you covered?AOL UKAccidents do happen, and a new list reveals it's carpets and mobile phones that are most likely to bear the brunt, And whether that's some shades that have been sat on or a glass of wine knocked onto a light sofa it can prove costly if you need to ...
Daily MailThe seven rules of buying a 'doo-er upper' home: Renovating a property can be a challenge, but if you get it right ...Daily MailTV shows such as George Clarke's The Restoration Man give the impression that restoring a wreck is more a labour of love than savvy investment. But with the housing market in the doldrums, it's now one of the few ways to make money from property.
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Useful Links
Tell us of any website that you find useful and that you think may be of interest to our members. Here are some that have been suggested and this is your opportunity to add your own and your comments.
Access Renewables
Atul Srivastava says "They say: “When a photovoltaic or wind turbine system is producing more energy than is required, the surplus is exported via the grid and sold back to the utility company.”"
ARLA
Liz Barclay says "The Association of Residential Letting Agents is an established association that oversees the conduct of letting agents who are members.
It is voluntary for any letting agency to join so only use a letting agent that is a member...
They offer great support for agents as well as training and up to the minute information on all the legal aspects of letting out a property or letting a property from a private landlord.
Agents also have to follow its guildlines and a  strict code of conduct."
BTCV
Atul Srivastava says "

Atul Srivastava says: “BTCV run Green Gyms throughout the UK, where you can get fit for free through conservation volunteering. Forget spending about £40 a month on that gym membership that you never make full use of anyway. You’ll burn up to a third more calories in an hour of Green Gym conservation than in a step aerobics class. Sessions are designed to work a variety of muscle groups. If you currently spend £40 a month on gym membership, join a Green Gym instead and save £480 a year!”

"
Business Debtline
They say "The helpline that provides free, confidential and independent advice on how to deal with debt problems in your business."
Business Link
They say "Business Link is a free business advice and support service, available online and through local advisers."
Car Free Walks
Atul Srivastava says "

Atul Srivastava says: “This website shows how you can enjoy walks in the countryside using public transport. If going for nice walks at weekends is the main reason you’re thinking of buying or keeping your car, save your money and use this website instead!”

"
CCCS - Consumer Credit Counselling Service
They say "A charity dedicated to providing confidential, free counselling and money management assistance to financially distressed families and individuals."
Citizens Advice
They say "Practical, reliable, up-to-date information including frequently asked questions in English, Welsh, Bengali, Gujarati, Punjabi, Urdu and Chinese on a wide range of topics and factsheets to download. Information is continuously reviewed by a team of advisers and covers England, Northern Ireland, Scotland and Wales."
Civil Aviation Authority list of tour operators atol registered
They say "

Pilgrims can check whether their operator has an ATOL on the Civil Aviation Authority's website at http://www.atol.org.uk or by calling 020 7453 6424.

"
Consumer Direct
They say "

Advice on consumer issues and contact details for trading standards offices are available from Consumer Direct on 08454 04056, at http://www.consumerdirect.gov.uk or from local town halls.

"
Department for Business consumer Info
Liz Barclay says "

Department for Business and Regulatory reform information on consumer rights can be found at http://www.berr.gov.uk/consumers/fact-sheets/page38205.html.

"
Direct.gov
Liz Barclay says "

This is the goverment's main website which is very easy to use and has a detailed housing section which is updated daily, the website offers information on all housing subjects and issues in the UK.

It also offers information on planning issues and building control.

"
Energy Saving Community
Atul Srivastava says "

They say: “Whether you’re planning on installing a wind turbine or adding photovoltaic solar panels to your roof...get paid for generating the power.”

"
Energy Saving Secrets
Atul Srivastava says "

Atul Srivastava says: “This website takes it a stage further than simply reducing your energy bill in the home. It shows how you can generate your own power using micro wind turbines and solar panels!”

"
Energy Savings Trust
Atul Srivastava says "Atul Srivastava says: “People used to say: time is money. I think that should be updated: energy is money! The Energy Savings Trust offer great support for people wanting to reduce their energy bill at home. They also have sections for grants, offers and vouchers, so you don’t have to pay the full cost of making your home more energy efficient.” "
Energy Star
Atul Srivastava says "They say “Even if you rent an apartment, townhouse, or a home, you can make a big difference, too! These tips will show you how to be more energy efficient and save energy, money, and reduce the risks of global warming.”"
Foreign and Commonwealth Office Hajj Info
Liz Barclay says "

The Foreign and Commonwealth Office (FCO) provide helpful information on how to prepare for and what to expect from Hajj and Umrah pilgrimages on their website http://www.fco.gov.uk/hajj.

"
Global Action Plan
Atul Srivastava says "Atul Srivastava says: “Have a go on GAP’s eco driving simulator to learn how to drive with greater fuel efficiency, saving you money!”"
Homes & Property
Liz Barclay says "

The Homes and Property website offers a great way to search for property on the net but is also very design led and offers inspiration on interiors and buildings as well as up to date information on celebrities moving home, overseas property and much more...

This is one of my favorites...

"
House Prices
Liz Barclay says "

This fantastic website gives free information on the last purchase price paid for any property in the UK which has been sold in the last five years.

It is a great way to check out and see what properties have been selling for in your area or the area you are looking to buy in.

If you just want to be nosey, you can see how much your neighbours paid for their home!!!

"
Housing Options
Liz Barclay says "

The Housing Option website is a goverment led iniative and is aimed at anyone looking for affordable housing and shared ownership schemes in London.
The webiste is quite new and is easy to use, there are now two main companies looking after affordable housing for the goverment in London, they are Metropolitan Home Ownership and Tower Homes, you will find all the information you need on the website!

"
Knight Frank Finance
Luke says "

Knight Frank Finance (part of the Knight Frank property company) offer a very personal mortgage service and often have more preferential rates than the high street. A dedicated member of their team will look after every aspect of your mortgage application.

"
Leasehold Advice
Liz Barclay says "

The majority of people living in flats / apartments sign and agree to a long leasehold, lease's can be very complicated and are usually unique to the individual property.

The Leasehold Advisory Group are considered to be one of the most professional companies working in this field.

They offer straightforward and honest advice to anyone looking for any type of advice regarding leasehold or freehold properties

"
LoveMoney.com
WebMaster Tony says "lovemoney3.gifRegister with lovemoney.com and connect with clever people, personalised content and all the tools you need to get the most out of your money."
National Association of Esate Agents
Liz Barclay says "

This website is the National Association of Esate Agents, always use an estate agent that is amember of the NAEA, if you are buying or selling. All members ahve to follow strict codes of conduct and training. You are much more likely to achieve a professional and efficient service from an agent that is a member.

"
national debtline
They say "The helpline that provides free confidential and independent advice on how to deal with debt problems."
Prime Location
Liz Barclay says "Prime Location is another great website for searching for property, it is updated constantly so you can view the most recently added properties..."
Rightmove
Liz Barclay says "

One of the most popular ways to search for property on the net.

Most agents are linked to the website so it always has a great selection of properties that have just come on the  market.

"
Savills Private Finance
Liz Barclay says "

Savills Private Finance (part of the Savills property company) offer a personal mortgage service and can usually offer much better rates than the high street.

They offer a very personalised and professional service.

"
State Pension Calculator
AGreen says "Know more about your State pension"
Stop Loan Sharks
They say "Have you been approached by a loan shark? Lending money without a licence is illegal. If you suspect someone is a loan shark you should report - details on this website. "
Sustainable Life
Atul Srivastava says "Atul Srivastava says: “This is one of many websites in the ‘eco-gadget’ category. These save you money by reducing the need to buy batteries or even the need to charge up the gadgets at home.”"
The Guardian
Atul Srivastava says "Atul Srivastava says: “10 things you can do as part of your daily routine that help to save you money and the environment.”"
The Ramblers
Atul Srivastava says "Atul Srivastava says: “The health benefits of walking are well documented. Join the Ramblers for regular walks in the countryside and you’ll get a year’s worth of walks for less than a month’s worth of gym membership!”"
What Green Car
Atul Srivastava says "Atul Srivastava says: “This website reviews a number of green cars, with detailed comparisons to help you choose the car that will help you save money while meeting your particular transport needs. But saving money specifically on fuel is only part of the benefit of eco cars. This website explains other financial savings and incentives, such as the London Congestion Charge Alternative Fuel Discount.”"
Wildlife Trusts
Atul Srivastava says "Atul Srivastava says: “Contact your local Wildlife Trust for a conservation volunteering opportunity near you. It’ll be good exercise and eliminate the need to pay for gym membership!”"
Worldwatch
Atul Srivastava says "They say: “How can we live lightly on the Earth and save money at the same time? Staff members at the Worldwatch Institute, a global environmental organization, share ideas on how to GO GREEN and SAVE GREEN at home and at work.”"
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