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Archives for November 2008
Discussion List
Archna's Free Game of the Week: Zahada
This collection of riddles and puzzles needs a lot of patience, or is that brain power :) , to get through. Can you even get past the first level? Click the link to play the game: Zahada Thanks to MoneySaver Ipra for the suggestion. Don't forget if you have a suggestion for a game and want to see it in the Moneysaving tip…
Are you hit by evaporating equity? Poll discussion
Poll between 24 Nov - 01 Dec 2008: Are you hit by evaporating equity? The loan-to-value ratio of your house - the proportion of your house’s value you’re borrowing - is a key factor in getting a mortgage. Yet there’s a double whammy hitting this across the nation, that I call the evaporating equity trap. Problem 1. House…
MMD: Would you get into debt to grant a friend’s dying wish?
Here's this week's hypothetical situation for you to cogitate on: Would you get into debt to grant a friend’s dying wish? Your best friend's/close family member’s final wish on his death bed was for you to sprinkle his ashes over the Grand Canyon. You’d love fulfil his dying wish and fly to the States. Yet you’re already…
MONEY MORAL DILEMMA. Should Lucky Luke give back his hardship grant?
Here's this week's hypothetical situation for you to cogitate on: Should Lucky Luke give back his hardship grant? Lucky Luke is a student and struggling horribly to survive, partly as he doesn't manage his money well. He applied for a hardship grant from the limited Uni fund and has been awarded £1,000. On the day it goes…
'Should Cheap Booze Be Banned?' poll discussion
Poll between 17-24 Nov 2008. Should Cheap Booze Be Banned? There’ve been calls from a Government select committee for price caps on alcohol. This would impact the selling of booze in supermarkets and would hit promotions such as '6 bottles of wine for a tenner'. Pros include... it’ll stop some “pre-loaded” binge drinking,…
MONEY MORAL DILEMMA. Would you dent someone’s car if they blocked you in?
Here's this week's hypothetical situation for you to cogitate on: Would you dent someone’s car if they blocked you in? You park your car sensibly on the side of the road. Yet when you return to the vehicle, two cars are parked either side with only an inch of room, pinning you car in. While they both have enough space to…
'Where will base rates be in six months?' poll discussion
Poll between 10 - 17 Nov 2008 Where will base rates be in six months? Last week the Bank of England cut interest rates by 1.5 percentage points to 3%. The idea is to stimulate the economy, making borrowing cheaper and saving less desirable, to encourage people to spend. Where do you THINK the base rate will be in May 09…
MONEY MORAL DILEMMA: Should you come clean about the extra refund?
Here's this week's hypothetical situation for you to cogitate on: Should you come clean about the extra refund? You've bagged a bargain with a 20% off voucher but decide you don’t like it and take it back to the shop. When the shop assistant gives you a refund she reimburses you the full amount rather than the price you…
How close to the brink are you? poll discussion
Poll between 03-10 November 2008: How close to the brink are you? Recession is coming. On a scale of nought to nine, how near the financial edge are you? Some of the numbers have descriptions to give guidance to the scale 0 No problem. No matter what. 6% (702 votes) [SIZE=+2]1[/SIZE] It’d need to be extreme before we felt…
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MSE News
Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
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