Restaurant vouchers: the best 2 for 1 offers – Money Saving Expert #free #online #hidden

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Restaurant Vouchers

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

More tools from MoneySavingExpert

Budget Planner

Free tool to analyse your finances and scrutinise spending.

Premium Bonds Calc

Unique tool uses probability to estimate winnings.

EBay Local Deals Mapper

Find cheap pick-up only items near you – they often attract fewer bids.

MobileValuer.com

Selling an old mobile phone? It compares who pays the most.

Credit Card Eligibility Calc

Shows which top cards you’re most likely to get.

MegaShopBot.com

Instantly searches the best shopping comparison sites.

Cheap Energy Club

Ensures the cheapest energy deal constantly.

TravelMoneyMax.com


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TOP* No Deposit Bingo Sites – Play 4 FREE Win Real Money #free #game

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No Deposit Bingo Sites

All no deposit bingo sites will let you play for free with the chance (often small) of winning real cash. The BEST no deposit bingo sites UK-style do more – as well as a great bonus or free games they provide a fabulous bingo on line experience and a place to hang out too. We select the sites that best strike this balance.

Either (i) play free games without depositing or (ii) get a free trial bonus.

1. Wink Bingo Unique new high deposit bonus

Wink Bingo may not be listed among UK’s no deposit bingo sites but they offer something which is as good. Deposit and spin the wheel. You can win up to £1000 deposit bonus to be used for free play anywhere you like on Wink’s site. That’s amazing! [Full Review ]

2. Lucky Touch Bingo

Lucky Touch Bingo know how to treat their members right, not only do they have a brilliant 1150% bonus stretched across the first three deposits you make, but they also have some great free bingo rooms that are open 24 hours a day for you to enjoy.

You have two options, there’s the 90 ball Free Room or the Free Cash Bingo room a perfect hangout for veteran players.

There’s an option to buy more tickets to increase your chances of winning, although the tickets only cost 0.01p each, you’re not required to buy them if you don’t want to as you can still win without spending a single penny. [Full Review ]

3. Bingo Hollywood

Bingo Hollywood have a pretty interesting set up whereby you can play for free in their unique free ‘Screen Test’ Bingo rooms. Although you won’t be winning a lot of money as the maximum a non-funded player can win from these rooms is just £1, still it’s better than nothing.

3. Bingo Diamond

Unfortunately Bingo Diamonds free game room can only be accessed if you’re a player who’s already made their first deposit. After you have done that you can enter their ‘Freebie Frenzy’ room from 8:15pm to 9:15pm every night for the chance to win a jackpot prize of £25.

This room is pretty great as all players have an equal chance to win so you’ll rarely finish a round without winning some sort of cash prize.

As an extra bonus they also hold a ‘Month End Mania Weekend’ where you have the chance to win the grand prize of £50. [Full Review ]

Like Bingo Diamond, should you decide to deposit, you’ll be able to join the ‘Big Easy’ Bingo room where you could win a maximum of £30 for free.

Terms and Conditions to Consider

Although free games for cash prizes sounds ideal, you may want to cool your jets and have a look at the terms and conditions first as some of these sites aren’t exactly giving you the full picture.

Take Bingo Diamond for example, you can win free cash from these Bingo games.

But should you use that money to try and win from another game like a slot for example. You won’t be able to claim your winnings from that game unless you’ve already made a deposit into your account of your own cash, not money you won in a free game.

Then there’s Bingo Hollywood, you’re only winning a small amount and you’re restricted to where you can actually spend it. Unless you become a funded player who can do what they want with their winnings, you’ll only be able to spend your money in the free Bingo rooms.

The same applies to Lucky Touch, unless you deposit £10 into your account you won’t be able to withdraw any of your free game winnings.

Casino sites will always advertise something be it cash prizes or games that are free, but quite often there’s a lot of hidden details that you won’t realise until you try to take your money out and discover that lo and behold you have to put your own money in before you can get your ‘free’ money back out.

So before you start signing yourself up to a casino site because you saw you get something for free, just remember that these sites will always have some sort of way to get money out of you.

It pays to take a second and read over the fine print because what may seem like a great deal is quite often too good to be true.

Big Questions on No Deposit Bingo Sites UK Players Love

If you want to play online bingo, whether in no deposit bingo sites or others, and withdraw winnings you will eventually need to fund an account. The main questions are how and when. Different sites accept different types of payment and some will let you play without providing any card details to begin with.

(A) No Deposit Bingo with PayPal or Credit/Debit Card?

There is the method of paying with certain e-wallets, such as PayPal and this will allow you to play free bingo with no deposit and no card details (for more information you can check out some PayPal bingo sites the internet has to offer).

However, the most common method of payment that most sites accept is Visa. Some also accept American Express and MasterCard.

The best thing about using credit cards is that you will be able to do so with your choice of currency. One great advantage to funding an online bingo account with MasterCard is that you’ll be able to use a Secure Code service. Many sites offer this service so that your personal credit card information will be protected from fraud. In fact, MasterCard, Visa, and American Express are the safest payment methods for online bingo funding.

Remember, “Free bingo no deposit, no card details sites” are actually ones that ask for your card details in order to protect themselves against fraud. They will not charge your card unless you actually purchase bingo cards. You can enjoy the free bonus without worrying about and expense. In order to see a list of these sites of bingo just follow this simple 1-2-3:

  1. Search: ‘bingo sites no deposit’;
  2. Scroll down the list; and
  3. Choose a reputable bingo site with no deposit needed

(B) Credit Card Details and No Deposit Bingo?

Another great thing about using credit cards at no deposit bingo sites is that you can begin playing in no time at all. You won’t have to wait forever as you would when paying with an e-check or other type of payment. Credit cards don’t take all that long at all to process, and you’ll be playing online bingo before you know it! You’ll also receive your bingo bonuses much more quickly by making deposits via your credit card.

Top Safety Tip
Make sure that you only enter your credit card info at bingo sites with SSL certificates and other registration protection protocol, such as the aforementioned SecureCode feature. If you re unsure, read reviews on online no deposit bingo sites before joining in order to get an idea of which bingo sites are the most trustworthy.

Remember, giving your credit card details doesn’t mean you automatically deposit. Some free bingo no deposit sites ask for credit card details just to ensure that you are old enough to play bingo for money.

(C) Final Recommendations for Bingo No Deposit Required?

We usually recommend trying out no deposit bingo first to see if the game, features and overall feel suits you. If you yourself are feeling a bit nervous over the idea of providing bingo sites with your credit/debit card information, all you have to do is conduct background checks on a site before you register. That is, after all, what bingo reviews, blogs, and news sites are for.

And don’t worry about your spouse or any other nosy individuals looking at your card statements.

Many free online lottery and bingo sites appear as a generic organization on statements. Your spouse or parents won’t know that you’ve been spending money on online bingo unless you tell them. Just as long as you don’t become too addicted and go overboard, none of your friends or family will ever know if you don’t want them to. As long as you play in free bingo no deposit no card details sites no charge will appear on your credit card statements.

The more you play and follow the rules, the quicker your deposits will be. Some no deposit bingo sites will even continue to give you bonuses with every deposit that you make! Paying with a credit card is obviously advantageous. Think about how many games you’ll be able to play are your payments are quickly and effortlessly processed. Since there won’t be any wait time, you’ll be able to play all the games you want! And, along with all the bonuses, your chances of winning will be increased a great deal.

Sign Up now at Tea Time Scoop a 15GBP FREE.

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Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more #play #games #for

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#free stuff uk

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Cashback-paying Santander 123 credit card closed to new customers

Facebook takes on eBay and Gumtree with its own online marketplace for app users

Online retailer Very apologises and issues refunds following confusion over cancelled PS4 console orders

Blue Peter badge winners to lose free entry to Merlin attractions from next year

You CAN claim a refund from your credit card company for Hotpoint tumble dryers, Ombudsman rules

Dear Jo Johnson: Minister, it�s time to tell parents the truth about what you expect them to pay towards university costs

Is the BBC costing Brits a fortune when they go on holiday?

How much the Govt expects you to give your children for university

Santander 123 to slash interest to 1.5% – should you ditch it?

If Santander 123 drops interest to 2% is it still worth it?

Get racing game The Crew free on PC

Amazon Restaurants delivery service: �10 off �15 spend

How much more are Express/Local �convenience� stores costing you?

Amazon Dash ‘house essentials’ service � is it worth it?

On-pack promotions to look out for in the supermarket � incl �FREE� cinema tickets, Nails Inc polish and �10 off B amp;Q voucher

Where Do I Start?

This is a mammoth site packed with an enormous amount of info. If you’re looking for something specific, use the search box above (it works just like Google) or the category tabs. If you just want to save, the main areas are:

Step 1: Grab the ‘Martin’s Money Tips e-mail’. The site’s designed around the free weekly e-mail. It ensures you don’t miss out as many loopholes are short-lived and need speedy grabbing. Over a year, follow the info and you’ll give yourself a money makeover.

Step 2: Give yourself a Money Makeover. The specially designed Money Makeover guide takes you through the main areas you can quickly use to put cash in your pocket, and includes the free budget planner tool.

Step 3: Voyage into the Forums. MoneySavers are generally a kind bunch and will often answer questions and share suggestions. At any moment over 5,000 may be in the Forum’s many discussion boards including Debt-Free Wannabe. Old-Style MoneySaving and the Grab-it while you can bargains board.

Who is Martin Lewis?

Martin Lewis OBE, Money Saving Expert, is an award-winning campaigning TV and radio presenter, newspaper columnist and best-selling author.

An ultra-specialised journalist, focusing on cutting bills without cutting back, he founded MoneySavingExpert.com in 2003 for 100. It’s now the UK’s biggest money site, with over 14m monthly users and 9m receiving the Martin’s Money Tips email and Martin is still its full-time Editor-In-Chief. He’s often credited as the “big gob in chief” behind campaigns to reclaim Bank Charges. PPI and Council Tax with over 10 million template letters downloaded and many billions repaid. Martin was awarded an OBE in the Queen’s Birthday Honours list in June 2014. Other awards include Consumer Journalist of the Year and Citizens Advice Consumer Champion. He has also topped The Grocer’ s 2011 Retail Power100 list. was 5th in the Sunday Times Rich List Giving (Philanthropy) Index. and appeared in the ‘charity and campaigning’ section of the top 500 most influential people in the UK.

In 2009 Martin was revealed as the UK’s most searched person by the web analysts Hitwise (in 2010, the last time the research was published, he was second to Cheryl Cole).

He is a governor of the London School of Economics, has an honorary doctorate from Chester University and, according to Google, was yet again the UK’s most searched the UK’s most searched British man in 2013.

How’s the site financed?

MoneySavingExpert.com is free to use and free of advertising – you can’t pay to have content put on the site. Articles are written based on specialised editorial research of the best ways to save money.

The income comes from links that generate revenue when clicked. Once articles are finished, where possible ‘affiliated links’ to the top products are used and have a * by them. Yet if no affiliate link is available a non-paying link is used; i.e. if the top pick doesn’t pay, it remains the top pick regardless.

This stance means the top products detailed here often easily surpass those on the other money websites. Yet thankfully the sheer scale of MoneySavingExpert.com means it’s very healthily in profit and also donates a good chunk of cash to the MoneySavingExpert.com Charitable Fund .

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

More tools from MoneySavingExpert

Budget Planner

Free tool to analyse your finances and scrutinise spending.

Premium Bonds Calc

Unique tool uses probability to estimate winnings.

EBay Local Deals Mapper

Find cheap pick-up only items near you – they often attract fewer bids.

MobileValuer.com

Selling an old mobile phone? It compares who pays the most.

Credit Card Eligibility Calc

Shows which top cards you’re most likely to get.

MegaShopBot.com

Instantly searches the best shopping comparison sites.

Cheap Energy Club

Ensures the cheapest energy deal constantly.

TravelMoneyMax.com


Categories: News Tags: Tags: , , , , , , , , , , ,

Restaurant vouchers: the best 2 for 1 offers – Money Saving Expert #free #cycle

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Restaurant Vouchers

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

More tools from MoneySavingExpert

Budget Planner

Free tool to analyse your finances and scrutinise spending.

Premium Bonds Calc

Unique tool uses probability to estimate winnings.

EBay Local Deals Mapper

Find cheap pick-up only items near you – they often attract fewer bids.

MobileValuer.com

Selling an old mobile phone? It compares who pays the most.

Credit Card Eligibility Calc

Shows which top cards you’re most likely to get.

MegaShopBot.com

Instantly searches the best shopping comparison sites.

Cheap Energy Club

Ensures the cheapest energy deal constantly.

TravelMoneyMax.com


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Need money online, need money online.#Need #money #online

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Welcome to the MSE Forums

We’re home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click report or email [email protected]

Forum Help

  • Anti-social behaviour

If you spot spam, offensive or racist posts PMs please email [email protected]

If you want to ask about changing your username, have login problems, have password problems or a technical issue please email [email protected]

If you want to ask why a word can’t be typed, your signature’s been changed, or a post has been deleted see the Forum Rules. If you don’t find the answer you can ask [email protected]oneysavingexpert.com though due to volumes we can’t guarantee replies.

Forum Social Team

We look after your Forum

Hi and welcome to MSE Forum! We hope you enjoy using it to save lots of money.

If you have any questions please read our Forum Rules and FAQs.

If a forum post breaks our rules please click “report” on the post or email the post link to [email protected]

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Mutual support help

Mutual support help

CAB advisors answered questions here as a trial. You can’t post now but we’ve kept the info.

CAB advisors answered questions here as a trial. You can’t post now but we’ve kept the info.

Found a club discount or restaurant deal? Let everyone know

Found a club discount or restaurant deal? Let everyone know

For everything from cheaper contact lenses to cutting the cost of prescriptions

For everything from cheaper contact lenses to cutting the cost of prescriptions

A special section for all things cars and motoring

A special section for all things cars and motoring

Think your train fare’s unfair or you’re a cycling convert? This is the place for you

Think your train fare’s unfair or you’re a cycling convert? This is the place for you

All about Thrift.

All about Thrift.

Not ‘how to gamble’ but matched betting only. Pls take care; risking your cash isn’t MoneySaving.

Not ‘how to gamble’ but matched betting only. Pls take care; risking your cash isn’t MoneySaving.

Dedicated to presents and decorations for all kinds of festivals, special occasions and more.

Dedicated to presents and decorations for all kinds of festivals, special occasions and more.

Spotted a local bargain? Let local MoneySavers know!

Spotted a local bargain? Let local MoneySavers know!

For posts that benefit charities

For posts that benefit charities

For reporting hot bargains, not requesting them

For reporting hot bargains, not requesting them

Cheap MP3s, CDs, tracks, players, instruments more – get sweet music at a sweet price

Cheap MP3s, CDs, tracks, players, instruments more – get sweet music at a sweet price

Just pay p p, make a call, send a text or sae

Just pay p p, make a call, send a text or sae

Get comping and win win win!

Get comping and win win win!

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Our aim is to save you money quickly and easily. We hope you like it!

RT @SimonAylett: @MartinSLewis I cannot tell you how much this annoys me. For every prospective student put off by the thoughts of this “de?

Again a news report on 6.1% student interest that fails to say 1) Not all get charged that 2) Most won’t repay it. https://t.co/IQ8f0Vyetu

  • Need money online

Got an HSBC or First Direct card? You can now earn cashback at Boots, Esso and more

  • Need money online

    Vodafone roaming warning – just one text abroad could cost you Ј5

  • Need money online

    100s of Starbucks stores now selling half-price food an hour before closing

  • Need money online

    British Gas charges customer exit fees to switch tariff WITHIN penalty-free switching window

  • Need money online

    Millions on standard energy tariffs for over three years

    Five things EVERY student and their parents should know

  • Need money online

    Martin Lewis – The four things you need to be successful

  • Need money online

    A year of fighting to break the link between mental illness and money problems…

  • Need money online

    How to make a tweet/Facebook post go viral – 7 lessons from ‘You don’t need your polling card’

  • Need money online

    Do I need to show my boarding pass at airport shops? (video & guide)

    Tools Calcs

    Cheap Energy Club

    We ensure you’re on the cheapest tariff

    Loans Eligibility

    All of the top unsecured personal loans

    Credit Card Eligibility

    Tools for different credit card types purchases

    Mortgage Best Buys

    Compares thousands of mortgages

    Mortgage Calculator

    Eight calcs for all your mortgage sums

    Free complaints tool

    Resolver – the automated complaints system

    How this site works

    We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

    • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
    • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
    • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
    • We often link to other websites, but we can’t be responsible for their content.
    • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

    MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

    More tools from MoneySavingExpert

    Budget Planner

    Free tool to analyse your finances and scrutinise spending.

    Premium Bonds Calc

    Unique tool uses probability to estimate winnings.

    EBay Local Deals Mapper

    Find cheap pick-up only items near you – they often attract fewer bids.

    Credit Club

    Turbo boost your credit chances and get your free Experian credit report.

    Credit Card Eligibility Calc

    Shows which top cards you’re most likely to get.

    MegaShopBot.com

    Instantly searches the best shopping comparison sites.

    Cheap Energy Club

    Ensures the cheapest energy deal constantly.


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    Barbados Travel Guide #barbados, #book, #visit #barbados,barbadoes, #barbadoss, #the #barbados, #naturally #charming, #sophisticated, #naturallycharming.com, #attractions,

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    Barbados is sophisticated and casual, warm and friendly, and always distinctively charming.

    From luxury to intimate, expensive to affordable there is something for every taste and budget here.

    Ours is a tropical isle where sun-filled days turn into balmy nights.

    You’ll be seduced by the warmth of our welcome and by the natural delights of our Caribbean island.

  • Stay in luxury, or stay in style, but stay with us for for the longest while to enjoy Barbados’ classic Caribbean charm and hospitality.

    From heritage plantations seaside cottages to boutique hotels, resort communities and contemporary living.

    Select your Barbados accommodation

  • Your days can start with breakfast to the sound of a lapping Caribbean sea or waves crashing on a rugged Atlantic coast.

    Life unfolds with endless possibilities for adventure and discovery at an unhurried pace.

    Take time to relax and unwind on a coral shore, dine on a cliff. stroll along the waterfront and dance to rhythm of the tropics.

  • Barbados coasts offer beaches for every mood.

    Inhale the invigorating sea air on the rugged Atlantic shores as you stroll along endless soft sand dune beaches.

    Unwind under a sun umbrella in lazy chairs beside the sapphire green-blue Caribbean sea. with pink-white powder sands to dig your toes into.

    Watch in awe as powerful Atlantic waves crash against the cliffs and create spectacular blowholes.

  • Culture Heritage.

    Discover the timeless heritage of this exotic tropical island, its people. lifestyles. industry, art and architecture.

    Explore a land of the original pirates of the Caribbean and wealthy sugar barons, of quaint homes and celebrity getaways.

    Experience the charming nature of the Barbadian people. with a welcome even warmer than the Caribbean sun!

  • Drift into a night of enchantment, dinner under the stars and a room on the water, waves wishing you to sleep.

    Even the days are alive with romantic occasions; breathtaking places and sunsets where you will fall in love, again and again.

    Enjoy a stay at one of the Intimate Hotels of Barbados. a unique collection of affordable hotels, apartments, guesthouses.

    Book Now


  • Tax Exempt Vs #tax #exempt #money #market #funds

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    Tax Exempt Vs. Taxable Money Market Funds

    Consider your tax-bracket when looking at tax-free money market accounts.

    Money market funds contain short-term notes, government bonds or other debt, which comes due in a short time, normally 30 days or less. Because of the short period to maturation, the notes or bonds seldom fluctuate in price. Fund advisers can only purchase high-quality bonds for the funds, and since the maturation is short, the fund managers also know the bond or note issuer won’t default on the loan. There are taxable money market funds and tax-free funds. The tax-free funds hold tax-free bonds or notes issued by state and local governments or their agencies.

    Tax-Free Interest

    Interest on a municipal money market fund is lower than the interest on a taxable money market. The federal and sometimes state tax-free status of the fund makers the investment more attractive to the investor and saves the municipalities thousands of dollars in interest, which is the purpose of the tax preferential treatment. This also saves you tax dollars.

    Check Your Tax Bracket

    While not paying taxes on interest might sound alluring, you need to make certain you make more when you consider your tax bracket. Sometimes a taxable interest rate is better if you aren’t in a high tax bracket. To compare rates, you add any state tax to your federal tax bracket and change that number to a decimal. Then add one to that number and multiply it times the non-taxable rate. This is the return you’d have to get for the same taxable interest. If you have a taxable account, subtract the decimal from one and multiply it times the taxable return to find the non-tax equivalent rate.

    Compare Rates

    In a perfect world, the rate for tax-free funds would be the same as their taxable cousins when you consider tax-brackets. However, by now you know the world’s not perfect and rates don’t always compare. If you do the math and find the taxable account is better, even when you consider taxation, no matter how high your tax-bracket, taxable is better. It’s all about what you get to keep in your pocket, not about taxes or no taxes. Sometimes, even though the tax-free is better for in the highest tax-bracket, taxable is better for everyone else.

    Consider Phase Out of Standard Deductions and Exemptions

    In 2009, people with higher incomes lose their personal exemptions and standard deductions when their taxable adjusted gross income reaches a specified amount. Married filing jointly start losing the standard deduction and exemption as their income increases beyond $250,200 until the deductions and exemptions disappear when it reaches $372,700. Single people begin to lose their exemptions and standard deductions at $208,500 and they phase out completely at $331,000. Head of the household filers start losing at $166,800 until it’s entirely gone at $289,300 and married filing singles phase out starts at $125,100 and completely phases out at $186,350 in 2009. If your income is just over the income at which the deductions and exemptions phase out and it’s due to taxable interest, go with the non-taxed funds. While Congress repealed the limits for 2010 taxes, most experts expect them back in 2011.

    References

    Resources

    Discount Vs. Premium Bonds

  • Disadvantages of Owning Savings Bonds

    • Do Bond ETFs Have Qualified Dividends?

    • Definition of a Tax-Free Money Market Fund

      Popular Articles

      How to Make My Traditional IRA Into a Roth IRA

    • Different Ways to Invest Money

    • Taxable vs. Non-Taxable Interest-Rate Calculations

    • How to Safely Invest


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    Using Credit Card Abroad – Currency Credit Card #how #do #you #accept #credit #card #payments

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    Using your card abroad

    When you’ve helped travellers for as long as we have, you know that Credit Cards can be a lifesaver when you’re abroad. With our Credit Cards, there are plenty of reasons to start and end your holiday with a smile.

    Your Post Office Money® Credit Card could make your holiday more memorable.

    We have a rich history of being the first port of call for people who like to travel abroad.

    With that experience we ve created three Credit Cards with the unique feature of no charges for Post Office travel money.

    From currency, insurance and passports we like to make your trips as easy as possible and your Credit Card should be working as hard as we do to make your holiday a success.

    Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

    Why use our Credit Card abroad?

    Security is the big advantage. Many people don t like carrying too much cash with them for obvious reasons. Our Credit Cards are also accepted in 35 million locations worldwide, so you won t need to fill your wallet with more cash than you need.

    Keep track of your spending

    Running out of money (or going over your credit limit) can be a nightmare, especially in a foreign country. To help you keep track of what you re spending in British pounds you can view your account through online servicing or we have created a special Credit Card Mobile Servicing App. Please check for international data charges with your mobile phone provider before you travel.

    Using your card abroad

    As you prepare to set off on holiday, make sure you re up to speed with these essential steps for using your card:

    • Notify us of your travel plans via our Credit Card Mobile Servicing App or via online servicing.
    • Know your PIN. With so many PINs and passwords to remember, it s easy to get mixed up. Make sure you know your Credit Card PIN before you go away. If you ve forgotten it you can view your PIN by logging into your online account or call our Customer Services team on 0345 607 6500 and we ll send you a reminder.
    • Don t miss a payment while you re away. The easiest way to make sure you always pay your bill on time is by setting up a Direct Debit. Log in to your online account or our Credit Card Mobile Servicing App to set this up, or just give our Credit Card Customer Service Team a call.
    • Find out about Dynamic Currency conversion. Sometimes, retailers and ATMs will give you the option to pay in either the local currency or pounds sterling. It should always be performed with your consent. Choosing to pay in pounds could mean you are charged additional fees.
    • Find out what charges are applicable for using your credit or debit cards abroad. Some providers may charge you a non -sterling transaction fee, which is a fee charged to any purchase or cash advance that occurs in a currency other than sterling.

    Your local travel experts

    Post Office is here to make your travels easier. We look after all the essentials like passports. insurance and money so that you can concentrate on getting the most out of your time away. Our travel experts can help you with:

    Passports Whether you re renewing or getting your first passport you can pick up a passport form from one of our branches. Top tip: use our Check Send service to make sure you ve filled in all the forms correctly first time.

    Travel money Order your travel money using your Post Office Money Credit Card with no cash fees, either online or in our branches.

    EHIC card If you re travelling in Europe, this free European Health Insurance Card (EHIC) means that you receive state healthcare in EEA countries (and Switzerland) at a reduced cost (or sometimes free). You can apply for your card via the online EHIC application form .

    No fee travel money

    Want to buy something in another currency without being charged extra fees? Our Platinum Credit Card comes with no fees for purchases made in foreign currencies whether you re abroad or simply shopping online. 18.9% APR Representative (variable).

    Our most suitable card for overseas purchases:

    Information correct as at 05/06/2017

    The table above is an illustrative example based on an exchange rate of 1.141625 and a 100 spend.

    The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard, from time to time, as shown, where applicable, on your statement.

    The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

    Overseas purchases

    We don t charge a non-sterling transaction fee to customers using our Platinum Card overseas, and we charge 2.99% for customers using our Matched and Balance Transfer Cards.

    Cash fees
    If you use your Post Office Money Credit Card to take money out at an ATM overseas, you will be charged a cash fee of 2.5% and a higher interest rate of 27.9%. The ATM provider may apply additional fees and cash withdrawal limits.

    Call Charges

    0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

    0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

    Small print

    Credit is subject to status to UK residents aged 18 years or over.

    Post Office Money credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

    Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA s website (www.fca.org.uk ) or by contacting the FCA on 0800 111 6768.

    Can we help?

    Corporate website

    *This search box uses a service supplied by Google called Google Site Search. By using this search box you confirm that you accept, and agree to comply, with Google s Terms and Conditions, Privacy Policy and Cookies Policy. Please read these terms carefully before you start to use the search box. If you do not agree to Google s terms, you must not use the search box. Post Office Limited accepts no liability in respect of how Google uses your information when you use Google Site Search.

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    Where Do I Start?

    This is a mammoth site packed with an enormous amount of info. If you’re looking for something specific, use the search box above (it works just like Google) or the category tabs. If you just want to save, the main areas are:

    Step 1: Grab the ‘Martin’s Money Tips e-mail’. The site’s designed around the free weekly e-mail. It ensures you don’t miss out as many loopholes are short-lived and need speedy grabbing. Over a year, follow the info and you’ll give yourself a money makeover.

    Step 2: Give yourself a Money Makeover. The specially designed Money Makeover guide takes you through the main areas you can quickly use to put cash in your pocket, and includes the free budget planner tool.

    Step 3: Voyage into the Forums. MoneySavers are generally a kind bunch and will often answer questions and share suggestions. At any moment over 5,000 may be in the Forum’s many discussion boards including Debt-Free Wannabe. Old-Style MoneySaving and the Grab-it while you can bargains board.

    Who is Martin Lewis?

    Martin Lewis OBE, Money Saving Expert, is an award-winning campaigning TV and radio presenter, newspaper columnist and best-selling author.

    An ultra-specialised journalist, focusing on cutting bills without cutting back, he founded MoneySavingExpert.com in 2003 for 100. It’s now the UK’s biggest money site, with over 14m monthly users and 9m receiving the Martin’s Money Tips email and Martin is still its full-time Editor-In-Chief. He’s often credited as the “big gob in chief” behind campaigns to reclaim Bank Charges. PPI and Council Tax with over 10 million template letters downloaded and many billions repaid. Martin was awarded an OBE in the Queen’s Birthday Honours list in June 2014. Other awards include Consumer Journalist of the Year and Citizens Advice Consumer Champion. He has also topped The Grocer’ s 2011 Retail Power100 list. was 5th in the Sunday Times Rich List Giving (Philanthropy) Index. and appeared in the ‘charity and campaigning’ section of the top 500 most influential people in the UK.

    In 2009 Martin was revealed as the UK’s most searched person by the web analysts Hitwise (in 2010, the last time the research was published, he was second to Cheryl Cole).

    He is a governor of the London School of Economics, has an honorary doctorate from Chester University and, according to Google, was yet again the UK’s most searched the UK’s most searched British man in 2013.

    How’s the site financed?

    MoneySavingExpert.com is free to use and free of advertising – you can’t pay to have content put on the site. Articles are written based on specialised editorial research of the best ways to save money.

    The income comes from links that generate revenue when clicked. Once articles are finished, where possible ‘affiliated links’ to the top products are used and have a * by them. Yet if no affiliate link is available a non-paying link is used; i.e. if the top pick doesn’t pay, it remains the top pick regardless.

    This stance means the top products detailed here often easily surpass those on the other money websites. Yet thankfully the sheer scale of MoneySavingExpert.com means it’s very healthily in profit and also donates a good chunk of cash to the MoneySavingExpert.com Charitable Fund .

    How this site works

    We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

    • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
    • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
    • We often link to other websites, but we can’t be responsible for their content.
    • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

    MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

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