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  • Money - Latest News on Money and Finance - BelfastTelegraph.co.uk
    clear your credit card debts Cold calls from high pressure salesmen are a real nuisance Personally I hate them so much that I registered with the Telephone Preference Service A question of money What s the best way to pay off my credit cards Question I have three credit cards with the same APR I pay 150 a month to each to cover the interest and a small part of the balance What is the best way to pay off the amount I owe Borrowers review loans in mortgage market shake up The mortgage market is going through a major shake up at present which should encourage borrowers to review their existing loans A question of money RIpped off by credit card debt clearance firm Question I paid several hundred pounds to a company that told me it could clear my old credit card debts as these are legally unenforceable I m worried I ve been ripped off A question of money Where s my interest Question I am still awaiting my latest interest payment on National Savings Income Bonds due at the beginning of the year What is going on The headache of paying the price for a plastic Christmas The Christmas spending hangover has turned into a continuing headache for thousands of consumers Virgin just one new banking name set for our high streets Virgin Money for the first time now has a banking licence having bought an obscure regional bank Church House Trust A question of money Can you explain what state pension credit is Question Last week you explained that people receiving some benefits are entitled to cold weather payments One of those benefits was state pension credit Is that the same as the state pension A question of money Cold weather query Question I m a pensioner but I m not receiving cold weather payments from the Government Who should get these Make sure that you are well covered for the big freeze Homeowners are being advised to take urgent action to protect their homes from severe weather damage with the Met Office warning that the freezing cold is likely to continue A question of money Is my advisor qualified to give advice Question You recently suggested that readers use financial advisors who have either certified or chartered financial planning qualifications How does a consumer know if an advisor is qualified more Previous 1 2 3 4 5 6 7 8 9 10 Next Most Read Most Shared Most Commented Contacting HMRC 10 tips to do it right Money 100 ways to save money Money Money matters Eating out Slim down on the spend Money Money matters Preparing for your kids to head off to university and independent living Money Huston s Taxing Problem Money Pregnant woman booted off Belfast bus in blizzard because she didn t have change Northern Ireland Woman s body found on the M2 in Belfast near Bellevue Bridge Northern Ireland Cannabis oil transformed life of terminally ill brain tumour man

    Original URL path: http://www.belfasttelegraph.co.uk/business/money/?page=9 (2016-02-15)
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  • Money - Latest News on Money and Finance - BelfastTelegraph.co.uk
    tax relief available to working parents through the childcare voucher scheme Offshore bank accounts should I confess Time is running out for anyone wanting to tidy up their affairs and admit that they haven t paid enough tax on something that was offshore Global banking crisis prompts big jump in ethical investment The crisis in global banking has sparked a big increase in consumer interest in investing ethically A question of money Payment protection insurance Question I ve spent months arguing with my bank but I can t get anywhere I believe it mis sold me a Payment Protection Insurance policy on a bank loan What do I do Last chance to admit to your offshore income The current tax amnesty closing November 30 2009 sees the head of HMRC Dave Hartnett posting an explanatory video on YouTube Why government bonds may be the best bet for your savings It is a graphic illustration of how dire the national finances are that one of the most competitive savings products in the UK at the moment is offered by the Government A question of money How much pocket money should the kids get Question Do you have any advice on how much pocket money I should pay my children They are 8 10 and 14 Government proposals will see credit cards shape up First comes the crash and then the suggestions on how to prevent it happening again To put it another way the government and its regulators are busy shutting the stable doors after the horses have already bolted A question of money Is fixed rate bond the best option Question I am interested in taking out a fixed rate one year bond Your best buys do not include the Post Office Growth Bond which pays out 3 70 Why not Mortgage lenders braced for a crackdown on home loans The mortgage market in Northern Ireland and the rest of the UK is about to get shaken up The Financial Services Authority which regulates mortgages has announced new controls designed to prevent unsustainable house price bubbles being repeated A question of money Paying bills on a holiday home in the republic Question What is the best way to pay the bills on my holiday home in the Irish Republic more Previous 1 2 3 4 5 6 7 8 9 10 Next Most Read Most Shared Most Commented Contacting HMRC 10 tips to do it right Money 100 ways to save money Money Money matters Eating out Slim down on the spend Money My net salary is wrong Why and what can I do Money Parents jailed for tax fraud Money Pregnant woman booted off Belfast bus in blizzard because she didn t have change Northern Ireland Woman s body found on the M2 in Belfast near Bellevue Bridge Northern Ireland Cannabis oil transformed life of terminally ill brain tumour man Kieran McCrory Northern Ireland The Troubles gallery 40 years of conflict in Northern Ireland from the Belfast Telegraph Events

    Original URL path: http://www.belfasttelegraph.co.uk/business/money/?page=10 (2016-02-15)
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  • Contacting HMRC: 10 tips to do it right - BelfastTelegraph.co.uk
    a second attempt to get HMRC to sort something has failed they have a special service to use It is called the Agents Issue Resolution Service I have had mixed results using this service but your accountant should give it a go They may not know about it 8 COMPLAINING ON SOCIAL MEDIA Increasingly people make complaints about companies and organisations via social media Twitter can be good as someone in the PR department often monitors tweets which paint the organisation in a bad light I have seen no sign of this causing HMRC to spring into life but if you want a go then mention in your tweet HMRCgovUK If you have a juicy case of incompetence you could always contact the press like the Belfast Telegraph the Daily Mail or BBC Radio 4 s Money Box 9 CAN I JUST CALL IN AT THE TAX OFFICE No In its drive to improve customer service HMRC has closed all its public enquiry offices Yes it s hard to believe HMRC says that in some probably extreme cases they may do house calls I reckon you would need to be very elderly or very infirm but if you would like a home visit then ask them 10 HOW DOES HMRC WANT ME TO CONTACT THEM Really they want everyone to get their tax information from the website www hrmc go uk And where that s not enough they want you to phone They would prefer not to receive letters but don t let that put you off sending one Don t be scared of contacting HMRC They genuinely do want to help and most things can be sorted first time around My tips also show what to do if things go wrong Adrian Huston a former tax inspector is a director of Belfast tax and accountancy firm Huston Co www huston co uk or 028 9080 6080 Twitter HustonTax From the web Sponsored Videos Your Comments COMMENT RULES Comments that are judged to be defamatory abusive or in bad taste are not acceptable and contributors who consistently fall below certain criteria will be permanently blacklisted The moderator will not enter into debate with individual contributors and the moderator s decision is final It is Belfast Telegraph policy to close comments on court cases tribunals and active legal investigations We may also close comments on articles which are being targeted for abuse Problems with commenting customercare belfasttelegraph co uk Powered by Livefyre Please enable JavaScript to view the comments powered by Livefyre Read More Why it pays to plan ahead in case of a rainy day By Victoria Shaw No one likes to think the worst will happen But whether it s due to a sudden job loss an injury leaving you unable to work or the fallout from a relationship breakdown new research suggests that suddenly finding yourself in a tricky financial situation may be more common than we like to think Money matters The real cost of owning a

    Original URL path: http://www.belfasttelegraph.co.uk/business/money/contacting-hmrc-10-tips-to-do-it-right-30371664.html (2016-02-15)
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  • 100 ways to save money - BelfastTelegraph.co.uk
    Go along to local colleges or beauty training schools for inexpensive or even free treatments Hair Traffic has two outlets in Belfast city centre where you ll pay less than 15 for a blow dry compared to 25 in an up market salon 31 Driving at 85mph uses 25 more fuel than at 70mph according to the RAC so it s much more economical to stick to the speed limit Not only will it be easier on your fuel tank but you ll also avoid a 60 fine and three penalty points for breaking the law 32 Beware of getting locked into a mobile phone contract Providers are increasingly trying to tie consumers into 24 month contracts The new iPhone 5 currently retails at around 529 for example If you sign up for 24 months at 46 a month you may get the phone for free but it will end up costing over 1 100 33 The website mysupermarket com is a great way to compare the cost of your shopping in different supermarkets to find the best deals It claims customers can save on average 17 any time they use the site But thanks to a new tool consumers can see the price of an item over the previous year This allows people to see the real value of an offer and avoid getting ripped off 34 Turn old unwanted or broken jewellery into gold Go to several high street jewellers to find out how much your unwanted trinkets are worth Typical valuations are as follows 9 carat gold will fetch 11 75 per gram 12ct gold 15 75 per gram 24ct gold 31 33 per gram platinum 23 42 per gram silver 40p per gram 35 If the inside of your car is looking a bit dull and you have ingrained dirt on the dashboard or elsewhere you don t necessarily have to spend between 60 and 75 getting it valeted Use baby wipes instead You ll be amazed at the shine after you ve finished and you ll have saved yourself a healthy sum 36 Try to pay for things in cash as it will allow you to keep a better track of your finances Delays in taking debit card payments from your account can make you miscalculate your balance and this is not usually for the better Take a lump sum out of your account at the beginning of the week say 100 and make it last You can t spend what you don t have 37 Don t splash out on furniture polish for cleaning mirrors in your home Rather pour hot water into a container and add a small amount of vinegar to it Then take a clean cloth and wipe down surfaces with that Rub off excess water immediately with a dry clean cloth for sparkling reflections 38 Vets bills are rising by 34 a year and according to Channel 4 s Mrs Moneypenny it is worth taking out pet insurance Normal rules apply of course and you should shop around and compare deals Do insure your furry friend for accidents though and not illnesses if you want to get the best value for money 39 A brand new car loses 40 of its value in the first year alone Buy one the dealer has pre registered and save up to 30 The only difference will be that the dealer is marked as the first owner in the log book If you do this for example experts say that a car worth 20 000 would cost 14 000 a massive 6 000 saving 40 Don t throw away the plastic containers after you ve had your Chinese takeaway Wash them and keep them for future use They will come in handy for storing portions of food that you want to keep in the freezer after you have cooked dishes in bulk such as stew curry and chilli etc 41 Put your child benefit aside if you can afford to By transferring your child benefit allocation which is currently 81 20 for one child into another account you could amass as much as 18 000 by the time he or she is 18 years old That will go a long way towards helping with the cost of university or a new home 42 Sometimes temptation can get the better of all of us so that calls for a major intervention Stop those impulse buys by putting your credit card in a plastic bag and storing it in the freezer while you mull over that new handbag or pair of shoes By the time it has defrosted you will have had time to think the purchase through 43 Northern Ireland has the highest priced petrol and the second dearest diesel in the UK at 141 1 pence per litre and 145ppl respectively according to the AA It has therefore never been more economical to avoid short journeys if possible Small cars stuck in traffic use up a litre of petrol every 60 minutes costing drivers around 1 7p a minute Larger cars lose petrol at double the rate 44 New First Direct 1st Account customers get a 100 bonus by transferring a salary of at least 1 500 a month within the first three months It pays no in credit interest but in most feedback on customer service First Direct rates very highly First Direct also has a huge 8 savings offer for its 1st Account customers if you can save something every month 45 The Consumer Council says that around 70 of households here use oil to heat their homes But prices vary Ring around several suppliers and ask for quotes on prices Otherwise use the comparison website www cheapestoil co uk and save up to 30 6 on 900 litres 46 Join the Freecycle network This group matches people who have things they need to get rid of with people who can use them You can pick up a huge variety of items for absolutely nothing and save massively Yesterday there was a double bed settee and a table and four chairs up for grabs for example Visit uk freecycle org 47 Make sure you are on the cheapest electricity tariff Airtricity has reduced prices by the same amount as Power NI but it has decreased the discounts it gives its customers after any special introductory offer finishes There are different rates for different plans and it can be confusing But don t forget about Budget Energy which remains the cheapest as the Consumer Council confirmed yesterday 48 Remove old nail varnish with a new coat of polish Instead of buying nail polish remover opt for a bottle of clear nail varnish Put a thick coat on each nail one at a time After applying each coat wipe immediately and don t let it dry You will be very surprised to see just how effective this money saving method is 49 Stains on a dark wood table can be removed for next to nothing according to DIY experts Put a large spoonful of coffee into a container and add a little boiling water so that it resembles a strong expresso Get a cloth soak it in the coffee and apply Once the scratches disappear give the table a buff and you ll observe a stain free zone 50 Gym membership can cost between 25 and 70 a month for an individual But you don t have to tie yourself to a contract if you opt for somewhere like Pure Gym in Belfast which charges a monthly fee of just 17 99 after you pay a 25 joining fee It works out almost 30 cheaper to choose the cheaper no strings attached option 51 If you have your heart set on a new car which remember loses 40 of its value in the first year alone then you should know that new numberplates come out every year on March 1 and September 1 Just before then most dealers are trying to shift stock so you ll probably have a better chance of doing a deal Don t forget to shop around 52 Need holiday money in a hurry You re a captive customer at an airport or ferry terminal so you ll probably be lumbered with the worst rates If you must get it from the airport pre order for pick up to get a better rate usually possible until four hours beforehand Better still use theTravelMoneyMax com travel money comparison site to find the best possible deal including all fees and any commission 53 If you want to eat out search online for vouchers or look out for two for one deals and early bird special Look at websites like Pizza Express for example where offers include 10 for a starter a main course and a drink if you enter a specific code 54 Dull paintwork on your car could cost hundreds to respray Industry insiders suggest saving money by getting a good liquid car polish and a very mild exfoliation cream All you have to do is to mix two parts exfoliation cream with 10 parts polish Then use an old T shirt dab the mixture onto the paintwork let it dry and buff it off 55 Everything isn t always as it seems Check that all inclusive holidays actually do include everything before you book Research by the Post Office recently found that couples could end up spending over 200 on extras such as water alcohol and snacks as certain things are sometimes NOT included in some deals 56 Business is booming during the economic downturn in low cost retailers such as Primark as consumers cut back on shopping and turn towards cheaper clothes When your favourite jumper or cardigan starts looking bobbley don t despair use a normal razor to gently go over its surface and remove the bobbles It will look as good as new again 57 Be wary of forking out huge amounts of cash in one go If you re paying for anything costing between 100 and 30 000 use a credit card It offers more protection than cash or cheques if something goes wrong Section 75 of the Consumer Credit Act 1974 holds your credit card provider jointly and severally responsible for your purchase so you ve the right to a refund if there is a problem 58 Check if deals being advertised in shops give real value Don t buy something just because it says on offer discount or sale Do your maths because in some cases buying two smaller items of the same brand can be cheaper than one of the larger equivalents 59 Make your car more economical by ditching what you don t need Experts claim that on average every 50kg will increase your fuel consumption by 2 Remove roof racks and and take out unnecessary luggage such as golf clubs and other sports equipment 60 Stop heat escaping around draughty window and door frames pipes and attic hatches Draught excluder strips and expanding foam fillers aren t dear and could help you save about 25 a year on your energy bill Fill in gaps around skirting boards and floorboards and you could save another 20 61 High electricity prices increase the costs of keeping the family clean For many households the laundry seems to pile up without respite but did you know there is a simple way to cut bills Wash slightly soiled clothes in the machine at 30 degrees instead of a higher temperature and save at least 10 a year according to consumer champion Which 62 Pay for your telephone line rental in one go and save almost 50 For example a BT adviser yesterday confirmed that it charges 14 60 a month which works out at 175 20 That compares with a one off payment of 129 so it really is worth budgeting for 63 Childcare Vouchers are a tax saving employee benefit that can save each parent up to 900 a year That means family savings of up to 1 800 a year For more information call the free helpline 0800 028 3008 or visit http vouchers employersforchildcare org 64 Watch out for hidden charges If you re paying for a holiday in a travel agency think twice about using a credit card as this can incur an additional booking fee of around 35 Pay by debit card or cheque instead and keep that money in your pocket 65 Parents may not realise that there is substantial financial help out there that is not means tested The Family Benefits Advisory Service offers advice and information to parents on issues like Working Tax Credits Childcare vouchers free school meals free school uniforms and Social Security benefits Call the freephone helpline 0800 028 6538 or visit www employersforchildcare org advice aspx 66 Don t pay full price for anything unless you really can t live without it Check out the 25 off sale at House of Fraser in Belfast today and tomorrow and pick up a treat There will be other deals in store Belfast designer Grainne Maher is offering 10 off her Pluck Devour and Millinery ranges A mini Pegasus necklace priced at 25 is now 22 50 while a hat costing 250 is now 225 67 Look out for special deals such as Marks Spencer s Dine in for two for 10 It includes a main course side dish dessert and a bottle of wine There s more than enough for two and it represents a saving of around 40 68 Gladly accept hand me downs Don t fork out unnecessarily for children s outfits and baby equipment which your family or friends no longer use Babies grow out of clothes at an alarming rate while a Moses basket and stand which costs between 50 and 100 is usually only needed for around 12 weeks 69 Red wine spill Forget expensive branded cleaners and reach for the washing up liquid instead Consumer watchdog Which says it is just as good at removing this type of stain 70 When buying a new house don t automatically use solicitors offered by mortgage lenders This can lead to legal fees being built into your mortgage repayments but the interest on those fees means it could cost you a lot in the long run Find a solicitor yourself via a recommendation or the Law Society 71 It can be expensive getting your hair done professionally so look out for deals Synergy in Belfast for example currently has a Facebook offer which runs up to but must be used by Wednesday October 3 All ladies cuts are 30 men s cuts are 20 and there is 30 off all colour services 72 DIY hand cream can be made from a mixture of olive oil which absorbs better into the skin when it s warm sea salt and a dash of lemon Use this and you won t just save money your skin will be left exfoliated and soft too 73 Look out for second hand bargains especially when it comes to catering for kids On eBay you get some great deals on second hand clothes and toys and you will probably be able to save quite a bit on cots playpens etc Do a search on baby bundle and you will get lots of results 74 Stop smoking Monday October 1 sees the launch of an NHS campaign Stoptober urging smokers to quit If you smoke 10 cigarettes a day it costs 1 314 every year according to their research If you saved that money instead you could afford a Caribbean cruise for two 75 Think outside the box Rather than buy a flight for your child to go to university and then pay for a removal company to transport their belongings use the ferry The cost of a car and three passengers on Stena Line s Belfast Cairnryan and Belfast Liverpool routes starts from 129 79 for a car and driver and 25 for each additional adult 76 Look for holidays protected by the Association of British Travel Agents ABTA and Air Travel Organisers Licensing ATOL when booking a getaway as this will improve your chances of being entitled to compensation if something goes wrong 77 Be clever Don t use Tesco vouchers for food A 10 voucher is worth just that in store but you can triple its value 10 becomes 30 on gift items such as jewellery and breakdown cover 78 Place a sheet of kitchen roll on top of a punnet of strawberries or raspberries as well as salad leaves before putting them into the fridge This will soak up moisture and it will ensure that the products remain fresher for longer 79 Use public libraries to read books for free and rent DVDs and CDs cheaply Otherwise consider going online to a site like Amazon co uk or visit your nearest car boot sale where you re likely to pick up a bargain or two 80 Every little helps Use a simple rubber band as a bookmark by wrapping it around the part of the book that you ve already read Paper or card bookmarks are fine until they slip out and you lose your place 81 Don t go solo Choose to car share and save thousands according to Travelwise NI For example it estimates that annual savings of 2 649 can be made over five days on a return journey between Belfast and Ballymena or 4 527 between Armagh and Enniskillen Sign up to www carshareni com to benefit 82 Car insurance is unlikely to go down unless you shop around Make a note of when your renewal is due A couple of weeks before the due date use at least two comparison websites to get quotations Then ask your current provider to match the cheapest premium you were offered Try comparethemarket com or gocompare com 83 Pay your vehicle tax for 12 months and

    Original URL path: http://www.belfasttelegraph.co.uk/business/money/100-ways-to-save-money-28868507.html (2016-02-15)
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  • Parents jailed for tax fraud - BelfastTelegraph.co.uk
    with the Isle of Man banks they do house calls you know I know this from tax disclosures we have handled for clients This happened with the Smalls What was unusual was that unknown to the bank official the meeting was videoed A camera recorded the meeting when the bank official visited Mr Mrs Small When HMRC searched the premises in 2005 they found the video They must have thought all their Christmases had come together On this video it becomes absolutely clear that both Mr Mrs Small knew exactly what they were doing in hiding money on the Isle of Man to keep it away from the tax people What makes the video compelling viewing is that the bank official promises them that short of a Manx court order they will deny the Smalls even have accounts with his bank He goes on to advise the couple how funds could be sneaked back into the UK by using a foreign based friend or relative as a conduit In the video the banker is told that Mrs Small worked in the Ulster Bank in Cookstown The banker said the Revenue had been through all the NI branches looking for signs of transfers offshore He thought that if HMRC were to find incriminating evidence on the Smalls then they would have been in touch by now Gerry Small then said Of course Mary worked there and whatever was there she took it with her then he laughed The banker s advice about the tax evasion and how to continue to remain un noticed by HMRC makes me wonder why he was not prosecuted That question remains unanswered If the jailing of Gerry and Mary Small tells us one thing it is that as my wife s Granny used to say Long runs the fox They understated their income for 17 years but the day of reckoning came and all the tax now has to be paid plus interest For anyone who has a tax skeleton in their closet my advice is to come clean to HMRC before they get to you Using a tax investigations specialist is worthwhile Coming forward voluntarily almost always keeps people out of jail and the tax penalties will be lower too A drian Huston a former tax inspector is a director of Belfast tax and accountancy firm Huston Co www huston tv From the web Sponsored Videos Your Comments COMMENT RULES Comments that are judged to be defamatory abusive or in bad taste are not acceptable and contributors who consistently fall below certain criteria will be permanently blacklisted The moderator will not enter into debate with individual contributors and the moderator s decision is final It is Belfast Telegraph policy to close comments on court cases tribunals and active legal investigations We may also close comments on articles which are being targeted for abuse Problems with commenting customercare belfasttelegraph co uk Powered by Livefyre Please enable JavaScript to view the comments powered by Livefyre Read More

    Original URL path: http://www.belfasttelegraph.co.uk/business/money/parents-jailed-for-tax-fraud-28539281.html (2016-02-15)
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  • Businesses are urged to prepare for Living Wage - BelfastTelegraph.co.uk
    qualify for the new wage should also be completed sooner rather than later to save headaches come the April 1 Implementing a process to identify employees who qualify for the rate in the future will be crucial to the smooth running of the new measure One benefit which may ease the strain on small businesses is the increase to the new employment allowance which will rise 50 to 3 000 while the future reduction in corporation tax will also help to offset the impact of the new wage rates Although the actual impact of the new Living Wage on both individuals and businesses will remain unseen for several months employers should seek advice now in order to suitably prepare for the transition For further information or advice on the new Living Wage rate Sam Beattie can be contacted at sam beattie ie gt com Grant Thornton NI also specialises in audit tax and advisory From the web Sponsored Videos Your Comments COMMENT RULES Comments that are judged to be defamatory abusive or in bad taste are not acceptable and contributors who consistently fall below certain criteria will be permanently blacklisted The moderator will not enter into debate with individual contributors and the moderator s decision is final It is Belfast Telegraph policy to close comments on court cases tribunals and active legal investigations We may also close comments on articles which are being targeted for abuse Problems with commenting customercare belfasttelegraph co uk Powered by Livefyre Please enable JavaScript to view the comments powered by Livefyre Read More Belfast marketing firms eye expansion after merger By Staff Reporter Two Belfast marketing firms that count big name businesses such as Expedia among their clients have merged Up to 2 000 jobs on line in vote to axe green energy fund By John Mulgrew The Assembly will today vote on a controversial proposal to end the Renewable Heat Incentive RHI scheme here Northern Ireland s high street footfall bounces back from Christmas slump By John Mulgrew Northern Ireland s high street retailers are off to a strong start to the year with shopper numbers on the up after businesses suffered a major slump in the run up to Christmas Ecos Centre Ballymena gets 1 6m investment as Northern Ireland Science Park expands into The Ecos Centre and Nature Park in Ballymena is to receive a 1 6m investment as the Northern Ireland Science Park expands into Mid and East Antrim Most Read Most Shared Most Commented Belfast marketing firms eye expansion after merger Business News Northern Ireland s high street footfall bounces back from Christmas slump Business News Up to 2 000 jobs on line in vote to axe green energy fund Business News Northern Ireland cycling retail giant Chain Reaction to merge with rival Wiggle Business News Northern Ireland top 10 car sales for January 2016 Ford VW and Vauxhall among Business News Woman s body found on the M2 in Belfast near Bellevue Bridge Northern Ireland Cannabis oil transformed life

    Original URL path: http://www.belfasttelegraph.co.uk/business/news/businesses-are-urged-to-prepare-for-living-wage-34414752.html (2016-02-15)
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  • Make your money work for you during that dream holiday - BelfastTelegraph.co.uk
    card You get the exchange rate on the day you load the card There is usually a small up front fee and some cards have additional operating charges You can use them anywhere that you can normally use a debit or credit card and the card is not linked to your bank account so you have added peace of mind Credit cards Taking a credit card on holiday can give you that added peace of mind that you have something to fall back on should you overspend want to treat yourself or have to deal with an unexpected cost If you are planning on taking a credit card on holiday consider applying for one that is designed especially for overseas spending as it could save you money When making a purchase think about paying in the local currency as it could work out cheaper MoneySense is a free independent programme by Ulster Bank for schools and parents covering topics including banking borrowing budgeting and running a small business Find out more ways to make your cash work harder in Jill s column next week From the web Sponsored Videos Your Comments COMMENT RULES Comments that are judged to be defamatory abusive or in bad taste are not acceptable and contributors who consistently fall below certain criteria will be permanently blacklisted The moderator will not enter into debate with individual contributors and the moderator s decision is final It is Belfast Telegraph policy to close comments on court cases tribunals and active legal investigations We may also close comments on articles which are being targeted for abuse Problems with commenting customercare belfasttelegraph co uk Powered by Livefyre Please enable JavaScript to view the comments powered by Livefyre Read More Belfast marketing firms eye expansion after merger By Staff Reporter Two Belfast marketing firms that count big name businesses such as Expedia among their clients have merged Up to 2 000 jobs on line in vote to axe green energy fund By John Mulgrew The Assembly will today vote on a controversial proposal to end the Renewable Heat Incentive RHI scheme here Northern Ireland s high street footfall bounces back from Christmas slump By John Mulgrew Northern Ireland s high street retailers are off to a strong start to the year with shopper numbers on the up after businesses suffered a major slump in the run up to Christmas Ecos Centre Ballymena gets 1 6m investment as Northern Ireland Science Park expands into The Ecos Centre and Nature Park in Ballymena is to receive a 1 6m investment as the Northern Ireland Science Park expands into Mid and East Antrim Most Read Most Shared Most Commented Belfast marketing firms eye expansion after merger Business News Northern Ireland s high street footfall bounces back from Christmas slump Business News Up to 2 000 jobs on line in vote to axe green energy fund Business News Northern Ireland cycling retail giant Chain Reaction to merge with rival Wiggle Business News Northern Ireland top 10

    Original URL path: http://www.belfasttelegraph.co.uk/business/news/make-your-money-work-for-you-during-that-dream-holiday-31321722.html (2016-02-15)
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  • Barclays fined for forex rigging - BelfastTelegraph.co.uk
    the new tougher regulatory system is working Four of the banks involved in the US and UK settlements JP Morgan Barclays Royal Bank of Scotland Group and Citigroup will plead guilty to conspiring to manipulate the price of US dollars and euros US regulators said that Barclays had terminated four employees three in London and one in New York this month and urged the bank to fire four more who are currently based in New York Antony Jenkins chief executive at Barclays apologised for the bank s role in the scandal He said The misconduct at the core of these investigations is wholly incompatible with Barclays purpose and values and we deeply regret that it occurred He added I share the frustration of shareholders and colleagues that some individuals have once more brought our company and industry into disrepute As well as the FCA Barclays has now settled with US authorities including the Department of Justice DoJ and Commodities Future Trading Commission CFTC RBS has also so far dismissed three staff and a further two are suspended Ross McEwan chief executive at RBS said The serious misconduct that lies at the heart of today s announcements has no place in the bank that I am building Pleading guilty for such wrongdoing is another stark reminder of how badly this bank lost its way and how important it is for us to regain trust Shares in London listed Barclays and RBS rose 3 and 2 respectively as the settlements are expected to draw a line under the affair But investigations are ongoing against individuals with the Serious Fraud Office among those conducting inquiries Shadow chancellor Chris Leslie said Surely the time has come for fundamental reform and tougher penalties for banking misconduct If ever there was an example of appalling collusion between bankers putting their own interests ahead of customers then this is it Ministers refused to act in 2012 when we pressed for broader regulation of financial benchmarks such as those in foreign exchange We now find out this activity was going on as recently as last year We need to rebuild the reputation of British banking which plays such a crucial role in our economy From the web Sponsored Videos Your Comments COMMENT RULES Comments that are judged to be defamatory abusive or in bad taste are not acceptable and contributors who consistently fall below certain criteria will be permanently blacklisted The moderator will not enter into debate with individual contributors and the moderator s decision is final It is Belfast Telegraph policy to close comments on court cases tribunals and active legal investigations We may also close comments on articles which are being targeted for abuse Problems with commenting customercare belfasttelegraph co uk Powered by Livefyre Please enable JavaScript to view the comments powered by Livefyre Read More Forty tumble dryers caught fire in Northern Ireland in past three years new Forty tumble dryers have caught fire in Northern Ireland injuring 11 people figures have revealed Government to

    Original URL path: http://www.belfasttelegraph.co.uk/news/uk/barclays-fined-for-forex-rigging-31239154.html (2016-02-15)
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