"I have a BT landline in order to get my BT broadband. I'm afraid I treat it as a necessarily evil as I don't use my landline these days at all. There are a handful of alternatives e.g. Sky but you'll be even more tied into a particular service that way. Buy a whole year in advance to reduce the cost of your line rental though. Minimum call charges are now quite high."
"The best rates around.. I travel quite a lot and I have looked at the various FX providers. I have an ACE Fx located near my place of work which means its both convenient and it also gives me the best rates. The good thing is that many other providers e.g. travelex give a best rate guarantee so you can always match if you haven't got one near you."
"I have a HSBC Premier Account which comes with free comprehensive travel insurance. You can't get better than free so I'd recommend it! However, there are qualification requirements for a HSBC Premier account so you should check out the website to see if you meet these criteria. Touch wood I've never needed to make a claim so I can't really say how good they are with claims but it's reassuring having them there."
"I'm fortunate enough to be in one of the locations where BT have been trialling Fibre to the Home (FTTH). This means an fibre optic cable is fed already to my home and I theoretically benefit from speeds of up to 160mb/s. This is theoretical only as I think I'm restricted by the speed of my wifi in my macbook air as I only get around 60mb/s. While I'm happy with the speed I'm not sure it's great value for money at 35 pounds a month. You do get bt openzone free..." more
"First Direct is one of the limited providers of offset mortgages. I have a lifetime tracker offset mortgage which allows me to offset credit balances from my debt mortgage interest. An offset mortgage is useful particularly for those people who a) have some credit cash balances b) pay tax. This is as the cash credit balances reduce the debit mortgage balance while allowing you to have maximum flexibility over your cash. Also, you receive this effectively tax..." more
"I have a number of AMEX cards and this review relates to the BA Premier Plus card. It charges a fee of 150 pounds a year. There are some added benefits should you travel a lot with BA and / or collect Avios. You earn Avios at a rate faster than that of the fee free BA AMEX card (at 1.5 miles per pound spent) and more importantly, after you spent 10k, you get a free companion reward ticket. This means you can claim 2 for 1 on reward flights. The difficulty here..." more
"I've recently opened a FirstDirect cash ISA which from my research offers the best rates for balances over 40k. It's a variable rate so you should keep an eye on if the rate moves but after a little delay in transferring balances into the account it appears to be working smoothly. FirstDirect is largely telephone / internet based so you should only consider it if you are happy managing your account in this manner"
"Hi, I'm a member of TopCashback, a great website that helps you save money on your online shopping, and also on your in-store purchases. I've made some great savings so far, and I thought you might like to become a member too? You can get 'cashback' from over 3,800 online merchants every time you shop online. TopCashback is the UK's number 1 cashback site, and they always guarantee the highest rates of cashback - up to 110%! It's free to join and free to..." more
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