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 ere
we publish a few ideas that we have been given, or thought up
ourselves, they may be of use to you, or of total irrelevance. If
you try any of them out, then please contact us and let us know how
you get on, whether it was a success or not.
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For all you contractors and permies whom are working outside of the UK,
but are being paid in Pounds Sterling at your UK bank. If you use cashpoints
abroad to withdraw your pocket money; then as you know, apart from being
ripped off by the exchange rate! you also get those nasty bank charges for
using somebody else's machine. Well there is one bank in Britain that doesn't,
the bank in question is the Nationwide. They offer free cash withdrawals from
over 700,000 ATM's worldwide, and from my experience, the exchange rates used
are extremely competitive. So you can open a Nationwide Flex account online
at the following address,
www.nationwide.co.uk |
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Another one for all you jet setting subbies out
there, mobile telephone roaming charges! Possibly the biggest thorn in the
side of any traveller these days. Well as we all should know by now, if you
are to be staying in a foreign country for a little while, generally more
than a couple of weeks, then purchasing a Sim card locally for that country
is a must! Otherwise as you should be aware, every time you receive a phone
call with your standard contract/pay as you go Sim you get financially raped
by a roaming charge of upto £1.50 per minute... pretty steep hey! And it
won't take you long to run up a bill of a few hundred pounds I assure you.
So the simple answer is to get a local Sim card from one of the national
mobile telephone network providers and receive Free incoming calls.
Well to add to your massive choice of alternatives
(two), there are now a few companies offering worldwide Sim cards which roam
on individual countries mobile telephone networks allowing you to receive
Free incoming calls, and a modest charge for outgoing calls (so they say!).
I have not tried any of these myself yet, but am looking for a few guinea
pigs to take up the challenge... so that is where you come in. anyone fancy
having a try, then please do so, and let me know the results. Obviously I am
not going to pay for any of the testing or guaranteeing anything in any
shape or form, or even advise which company to choose. I will leave that
upto you, I am just notifying you of their existence... here are a couple to
be going on with:-
Global & Local SIM Cards - Save
up to 90% on overseas mobile costs and receive calls for
free
www.gosim.com
International SIM card - Save 90% on calls. Free to
receive. Works in 150 countries. Just £12.99
www.oneroam.co.uk
Save up to 90% - When using your mobile phone abroad
Works in over 140 Countries
www.roameo.co.uk
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Unfortunately many of us at some point have the need
to contact a company or service on the telephone, even in this advanced age
of being able to post your questions or comments to the relevant
organisation via email or their online query forms. And some of us
just prefer to be able to TALK to someone to try to express our requirements
verbally and get instant feedback too when you wish to change your British
Airways Flight etc. Well as we know, a lot of the telephone numbers for
these services are high charge rate telephone numbers:
0808,
0844, 0845, 0870 and 0871 etc. Well there is another alternative in the form
of another telephone number... a local/national call rate number. So how do
us ordinary mortals find these numbers... well thanks to an army of
volunteers at saynoto0870.com we do not have to investigate too deep. Just
visit their website and search for the organisation that you wish to
contact, and up pops a low rate telephone number... as simple as that. And
if you are a keen investigator, then you search out and add your own numbers
to their list too. So you can be your own little crime buster! And so to get
the number you require just visit
www.justsaynoto0870.com
this is what they
say... Many
people don't realise that there are many phone providers offering cheaper
calls to standard telephone numbers (those beginning with 01 or 02), which
don't apply to 0844, 0845, 0870 or 0871 telephone numbers. - Please see the
links page and click on Cheapest Call Provider for price details. This shows
that by using multiple providers, you can reduce your call cost on standard
telephone numbers to as little as 3p fixed cost (regardless of duration),
whereas the cheapest provider to 0870 numbers during the day that I am aware
of charges 4p/min (+ 3p connection fee) to call. Worst still some companies
that use these numbers are actually receiving a cut of the phone call costs.
If you have an 'inclusive landline calls' phone package, then it is very
rare that 0844, 0845, 0870, or 0871 numbers are included in your 'free
minutes' allocation, unlike normal numbers. Many mobile phone packages also
exclude freephone 0800 and 0808 numbers for your bundled minutes. Many
companies advertise a separate number that can be used when calling from
abroad - This usually begins in the format +44 - There is nothing to stop
you using this number from the UK (as it is a normal rate telephone call),
and will be included in any inclusive minutes provided by your landline or
mobile phone provider. Many others will give you a standard number if you
ask. This site is all about listing these numbers, saving you money, without
having to pay additional charges. To get started and find a particular
number, please click on the 'Search to find an alternative number' link at
the top of the page. Thanks to everyone who has contributed to the site.
Please continue to add any new numbers as and when you find them.
The SAYNOTO0870.COM web
site has been featured on BBC's Working Lunch TV programme, BBC Radio 2
(Jeremy Vine Show), BBC Radio Norfolk, and also appeared in many newspapers
& publications, including The Guardian, Which Magazine, Readers Digest, and
many more... and now on nooneels.com |
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Millions of British homebuyers are nervously waiting to see how much
mortgage / loan rates will rise this year and the next, looking round for a
cheaper deal could soften any hike, but there is another option - look
further a field... |
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American buyers are paying much less than us for their home loans and
mortgages, and you could follow suit. These days, lenders such as the
Skipton building society are prepared to offer you a loan based on US market
rates for as little a 2.99%. On the plus side it means a big immediate
saving, because major providers are charging nearer 6%. So you'll recoup
£1,632 a year on an £80,000 loan. But the downside is that borrowing money
abroad can be risky. If exchange rates move the wrong way, you may have to
pay back more capital than you borrowed. However, in this case, Skipton is
carrying the currency risk, not you! The other danger is that US interest
rates could overtake our own. But this has only occurred once since 1991. At
worst, you can redeem the mortgage for a fixed penalty which starts at 5% of
the amount borrowed and falls to 3% in 2009. Yet at their current level, US
rates would have to rise by a steep 3% before you'd be losing out. |
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The Skipton deal looks to be a winner, with a hefty saving to be made.
But remember you have to stay with it for seven years to avoid any
redemption policies. For more details see
www.skipton.co.uk
I told you this
was a good deal didn't I! So good in fact that The Skipton have stopped it!
as it was not too good a deal for them. This was one that beat the banks!!! |
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Wake Up Brits... Move to Australia!!!
Three Cheers For Australia....... They don't care who they insult, take time
to read it, HOW FANTASTIC
Three Cheers For Australia
Those Muslims who want to live under Islamic Sharia law were told on
Wednesday (February 2006 sometime...) to get out of Australia, as the
government targeted radicals in a bid to head off potential terror attacks.
A day after a group of mainstream Muslim leaders pledged loyalty to
Australia at a special meeting with Prime Minister John Howard, he and his
ministers made it clear that extremists would face a crackdown. Treasurer
Peter Costello, seen as heir apparent to Howard, hinted that some radical
clerics could be asked to leave the country if they did not accept that
Australia was a secular state and its laws were made by parliament. "If
those are not your values, if you want a country which has Sharia law or a
theocratic state, then Australia is not for you," he said on national
television. "I'd be saying to clerics who are teaching that there are two
laws governing people in Australia, one the Australian law and another the
Islamic law, that is false. If you can't agree with parliamentary law,
independent courts, democracy, and would prefer Sharia law and have the
opportunity to go to another country, which practices it, perhaps, then,
that's a better option," Costello said. Asked whether he meant radical
clerics would be forced to leave, he said those with dual citizenship could
possibly be asked to move to the other country. Education Minister Brendan
Nelson later told reporters that Muslims who did not want to accept local
values should "clear off". "Basically, people who don't want to be
Australians, and they don't want to live by Australian values and understand
them, well then they can basically clear off," he said. Separately, Howard
angered some Australian Muslims on Wednesday by saying he supported spy
agencies monitoring the nation's mosques.
An Aussie Quote:
IMMIGRANTS, NOT AUSTRALIANS, MUST ADAPT. Take It Or Leave It I am tired of
this nation worrying about whether we are offending some individual or their
culture. Since the terrorist attacks on Bali, we have experienced a surge in
patriotism by the majority of Australians. However, the dust from the
attacks had barely settled when the "politically correct" crowd began
complaining about the possibility that our patriotism was offending others.
I am not against immigration, nor do I hold a grudge against anyone who is
seeking a better life by coming to Australia. However, there are a few
things that those who have recently come to our country, and apparently some
born here, need to understand. This idea of Australia being a multicultural
community has served only to dilute our sovereignty and our national
identity. As Australians, we have our own culture, our own society, our own
language and our own lifestyle. This culture has been developed over two
centuries of struggles, trials and victories by millions of men and women
who have sought freedom. We speak mainly ENGLISH, not Spanish, Lebanese,
Arabic, Chinese, Japanese, Russian, or any other language. Therefore, if you
wish to become part of our society, Learn the language! Most Australians
believe in God. This is not some Christian, right wing, political push but a
fact because Christian men and women, on Christian principles, founded this
nation, and this is clearly documented. It is certainly appropriate to
display it on the walls of our schools. If God offends you, then I suggest
you consider another part of the world as your new home. Because God is part
of our culture. We will accept your beliefs and will not question why, all
we ask is that you accept ours and live in harmony and peaceful enjoyment
with us.
If the Southern Cross offends you, or you don't like "A Fair Go", then you
should seriously consider a move to another part of this planet. We are
happy with our culture and have no desire to change, and we really don't
care how you did things where you came from. By all means keep your culture
but do not force it on others. This is OUR COUNTRY, OUR LAND, and OUR
LIFESTYLE, and we will allow you every opportunity to enjoy all this. But
once you are done complaining, whining, and griping about Our Flag, Our
Pledge, Our Christian beliefs, or Our Way of Life, I highly encourage you
take advantage of one other great Australian freedom, "THE RIGHT TO LEAVE".
If you aren't happy here then LEAVE. We didn't force you to come here. You
asked to be here, so accept the country YOU accepted. Pretty easy really,
when you think about it. I figure if we all keep passing this to our friends
it will also, sooner or later get back to the complainers, lets all try,
please.
WE HAVE POSTED THIS AS PERHAPS WE CAN CREATE A GROUND SWELL AND SEND OUR
POLITICIANS THE MESSAGE THAT THE VAST MAJORITY OF US BELIEVE AS THE AUSSIES
DO.........THEN ALSO MAYBE THE
ISLAMIC STATES WILL ACT IN RETALIATION AS US WESTERNISED COUNTRIES HAVE, AND
KICK OUT ALL THOSE FLABBY ASSED ENGLISH SPEAKING ARROGANT WHITTIES!!! |
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This is a small tip for any of you who have been using an ISP
(internet Service Provider), that customises your IE (Internet Explorer),
such as Tiscali or Supanet. If you wish to restore IE to it's default (the
way it should be), then you can download a nifty piece of software from
www.wrsent.com simply called
IE Restore.
IE Restore removes ISP and other branding from
Internet Explorer and Outlook Express plus (much more)! |
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IE Restore requirements:-
Windows 95/98/Me/2000/XP
Outlook Express 5.0 or later
Internet Explorer 5.0 or later |
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Internet Explorer:-
Reset search bar URL
Reset Online Support URL (in Help menu)
Reset title bar text
Reset default homepage URL
Reset homepage URL |
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Outlook Express:-
Reset title bar text
Turn off the Info Pane
Set the Info Pane URL to Google
Reset Online Support URL |
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Both Applications:-
Reset static logos (top right-hand corner of IE/OE)
Reset animated logos
Remove toolbar background image
Delete files used for static/animated/background |
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Another little tip for all you contractors, with lots of dosh to invest.
If you are planning on buying a new house or apartment in the UK, from one of the big
construction companies. You know the ones, Barratts & Wimpey etc; then if you
buy a certain number of shares within the company, normally only around a
couple of hundred quid. Then as a shareholder you are entitled to a percentage
reduction against the value of your new house to be. Which can be as much as
5%; so if you guys buy a house valued at £100,000 and have enough shares, you
could save £5,000. See the relative construction company share details, before
purchasing; for full details. |
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Here is a tip that I received via EMAIL from someone. I don't know if it
is true, but I have been trying hard! I know I am too young to have middle
age spread, but what the hell, a beer belly is the same thing... hey guys? |
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