Money Saver Strategies

TIP OF THE WEEK

Dell Inspiron M5040 Windows 7 Laptop – 15.6ins – 4GB RAM – 500GB Hard Drive only £297. Full details here:

Hi

With Christmas now well out of the way (but probably not the debts from it), it is well worth taking the time to overhaul your finances and see if you can save a few pounds here and there. Any little savings made can soon add up and could enable you to pay off the credit card debts a bit quicker or boost the holiday fund, which will probably be the next large expense. Listed below are a few simple ways that will ensure you get the best savings possible on your everyday expenses. a) Use comparison sites to check your gas & electricity prices, it’s usually cheaper to get both from 1 supplier and pay by direct debit. (DO NOT entertain door to door salesmen trying to persuade you to change) b) Do the same for your savings & cheque accounts, some banks offer up to £100 to simply change your current account over to them. Check that you are still getting the best rate on your savings, most financial institutions offer a good rate for a year, which then reverts back to a low rate and many savers fail to realise this, which is exactly what these institutions rely on ! c) Check out your car & home insurance on a comparison site as there are huge savings that can be made, particularly if both are through the same insurer by direct debit but NEVER pay monthly as 9 times out of 10 these schemes are an expensive rip off ! d) If you have a cash ISA you only have a month or so to make the most of your yearly allowance before the new tax year and it’s also a good time to check the rates on this type of account as well. These are the most common issues that apply to virtually everyone and it’s amazing how much can be saved with just a little time & effort.

Junior ISA offers best incentive for children to save

We often hear how important it is to put money aside and to have some savings behind you, but when you take a look at the rates of interest on offer for many children’s accounts, it’s easy to understand why some parents just don’t bother. Check out this report from The Independant here:

Electronic system that could save the cheque

A new electronic system could save the once-threatened method of paying by cheque, its developers have said.Paper cheques fell out of favour with banks as they were costly to process and need to be stored afterwards, yet they remained popular with customers, particularly the elderly.  Read this report from The Telegraph.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK

Save £200 on selected TV’s at Argos, check the details here

Hi

As I’ve mentioned many times before, having a good credit history & regularly checking your credit report are an essential part of saving money, not only because you can avoid being a victim of identity theft, but also with the rates you get on loans, credit cards etc. If you have a bad credit history you may not be able to get finance on simple things like, washing machines and other household goods, and even if you do it will be at an interest rate much higher than someone with a good credit record. There are ways to repair your credit history to enable you to become more credit worthy and avoid the higher interest rate. The first step is to look at your credit report & sign up for a monitoring service to enable you to see what lenders are viewing about you and also to avoid any attempt at identity theft, you can get a 30 day free trial, check the details here.

There is advice available on how to go about repairing your credit history, but a good way is to get a credit card, now I know this may sound bizarre, but if you have a card & pay it off regularly this can have a huge effect on your credit rating. Several of the banks do a special card aimed at helping to boost your credit rating, but beware they have very high interest rates so DO NOT pay only a portion of the card off, the idea is to pay it all off each month. Just buy items that you would normally pay cash for and don’t be tempted to buy anything else, if you use the card this way your credit rating can be greatly improved within a year. Check with your bank to see if they offer this facility.

When renting beats buying

Would you consider renting a big-ticket item instead of buying it outright? There’s a growing culture of renting in the UK; as budgets are pinched, fewer people can afford big upfront costs.But that’s not necessarily a bad thing, here are some occasions where renting can be a better choice than buying, see this report from Yahoo Finance.

How to save on your water bill

Here’s the bad news: The average water and sewerage bill in England and Wales will rise by nearly 6% from April to about £376 per household. But here’s the good news: You cannot pick and choose your water company – the market is not open to competition in the same way as gas and electricity – but you can still save money on your water bills. Read this report from myfamilyclub.co.uk here.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK

Asda Direct are selling 2 books for £7, check out the details here:

Hi

It’s time to look at your finances now we are in a new year and get your financial house in order. If you have not checked your gas/electricity supplier recently then go to one of the comparison sites & make sure that you are getting the best deal possible. It’s easier than ever to change supplier as they do everything for you, and there are some great cashback deals available from sites such as Quidco, all you have to do is make the purchase via their site whenever you buy something. Whilst you are looking at the comparison sites don’t forget to check out the banking section, as there are some great deals if you change your current or savings account. Look at your ISA if you have one, you only have a couple of months left to top it up to make the most of this year’s allowance and, once again, there are some excellent rates out there if you are prepared to switch. If you check these things every 6 – 12 months you can ensure you are saving as much money as possible, or alternatively you can take the ‘can’t be arsed’ approach and miss out on substantial savings! it’s up to you!

5 Super Saving Tips for Young People

Inspired by the Money for Life Challenge, Jamie Wright, Student Enterprise Champion at Gower College Swansea offers his advice to other young people. Read his article here:

 10 quick tips to keep warm during the winter

There are plenty of ways to stay cosy and keep your home central heating bills to a minimum during the winter. Simply try out some of the following ideas – from hot water bottles to huddling together – and start to embrace the cold weather with a satisfied smile on your face. See this article from the Energy Saving Trust.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Get a Samsung DVD-D360/XU DVD Player for only £27 at Asda Direct, click here for the details.

Hi

Recently there have been articles about many people who use an alternative to satellite TV systems on their PC’s. I was quite intrigued by this and so I did a bit of investigating and came up with some information that may be of interest to those of you who don’t have or can’t afford satellite TV. Basically, you download software which has a one-off charge and are then able to watch satellite TV channels from all over the world (there are over 3,500 channels including over 500 from UK and over 700 from US) the installation onto your PC is simple, there are no monthly fees and you get unlimited usage. The only minor drawback to it is that you need unlimited broadband rather than mobile broadband which some people now have. I watched it on a friends PC and was amazed at the quality, and for those of you that have large monitors for your PC, it is just like watching normal TV. As usual this comes with a 60 day money back guarantee, so if you would like to check it out, go here:

Your Facebook profile could get you the sack

After an Apple employee was fired for ranting about his iPhone on Facebook, Robert Powell from Yahoo Finance looks at the information you should never put online, see report here:

The year of living frugally

If you stick to the plan this week an average household in the UK could SAVE a further £665 on motor and home insurance, SAVE £995 on your annual holiday and SAVE £2,330 from your mortgage. Check out what extra saving you could be making in this article from Express.co.uk.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Excellent idea for this weather, ice grips that clip onto your shoes, for full details take a look here:

Hi
There has been a lot of press in recent times about green products & energy savings and also how the average home owner can save money by building things themselves.  I am a great believer in DIY, but for most of us the projects are usually restricted by lack of know how and knowledge. However, I have come across a very good publication that has complete & virtually foolproof plans to build over 14,000 different projects from sheds, dog kennels, garden furniture for outdoors, to desks, kid’s furniture, shelves, coffee tables for indoors. The guide is written with beginners and novices in mind and is in downloadable format, so no bulky manual to read through, and there is the usual 60 day money back guarantee that most of my recommendations carry. It is well worth a look as there is nothing more rewarding than building something yourself and knowing you have saved a small fortune on shop prices. To find out more click here:

Top ten tips – Energy Saving Trust

Here are some simple ways you can stop wasting energy and money now, courtesy of the Energy Saving Trust. This agency is a social enterprise with charitable status & can give advide on all aspects of energy, including generating your own power. Check it out here:

How to save money in the home

This year, perhaps more than any in the past few decades, will be a year of belt-tightening and saving. But it won’t all be a grim struggle for survival. There are ways to reduce bills, be gentle on the environment and save money without having to don a hair shirt. This report from The Telegraph.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Save over 50% on this Breville Polished Stainless Steel Toaster, one of selected offers on small household appliances, details here:

Hi

I was reminded about an idea that I featured in this newsletter over a year ago when a member mentioned it in an email to me recently. It can save you money as well as make you money if you wish. Anyone thinking of buying a new car can get complete instructions on how to import one directly from Japan and save a considerable amount of money. Some people have turned it into a business and import cars for other people, to order. The good thing about this idea is that you get the money from the customer up front before you broker the deal, and then you keep a commission. It is, apparently, very simple and requires little time to complete, so can be run in your spare time. The trick is in knowing exactly what to do and what steps to complete in what order. The whole guide is available to buy and comes with the usual 60 day money back guarantee from the publishers, so it might be worth checking out. Full details are available here:

 Seven things to ditch in 2012

If you don’t want to get ripped-off in the New Year, make sure you get rid of these seven products. This report from Yahoo Finance makes interesting reading & confirms a lot of the things we all suspected, see it here:

10 steps to a debt-free life

It’s not just low earners who are worrying about debt – the credit crunch is hurting us all. So, as the cost of living continues to rise, Moneywise reveals 10 simple steps to a debt-free life. See this excellent report here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Fantastic savings on clearance items in the spectacular Asda January Event, details here:

Hi

In this first newsletter for 2012 I would like to wish you and your families a very Happy & Prosperous New Year.
Most people will have made a New Year resolution by now, but unfortunately, many will not actually fulfil them. There are usually 2 very popular resolutions that are made and those are to lose weight and to give up smoking, so below are some cost effective ways to achieve both of these goals.

The Diet Solution Program is not your usual ‘run of the mill’ program and thousands have lost weight using this unique approach to dieting. There are lots of free recipes, tips & advice to help you lose those extra pounds, check it out here:

E-Lites Electronic Cigarettes really are a fantastic way to stop smoking normal harmful cigarettes and make the transition to giving up altogether. They have been featured on Eastenders, Top Gear and many other high profile programs and are now sold at Roadchef outlets. They contain small amounts of nicotine, are completely harmless and can be ‘smoked’ anywhere quite legally as the ‘smoke’ is water vapour. Costing less than you would pay for normal cigarettes for a week or so, they fulfil the need to hold something in your hand & simulate the smoking experience. Well worth checking this out here:

Credit card fees to be banned in crackdown on surcharges

Customers are being charged as much as £12 to use their cards when they pay, though the transactions cost as little as 20p to process. In some cases, the surcharges are higher than the value of the item being purchased, reports the Telegraph, see the full report here:

Four big gas and electricity scams to avoid this winter

If it looks too good to be true, it usually is. An especially valid mantra if the ‘it’ in question involves saving cash on your gas and electricity bill. Read this essential report from Yahoo Finance.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Get this Luxor LUX-32-914-IDTV 32ins HD Ready LCD TV for only £198 at Asda, details here:

Hi

This will be the last newsletter for this year and I would like to take the opportunity to thank you for continuing to support it and to wish you any your family a very Merry Christmas and a Happy & Prosperous New Year. The next newsletter will be on 8th Jan, (I did consider sending one on the 1st Jan but thought nah! everyone will be too busy celebrating to read it !!). In it I will be looking at the most popular New Year Resolutions and cost effective ways to achieve them, so have a great time.

Cheques saved

Plans to scrap cheques as a form of payment have been dropped following an outcry from consumers, charities and small businesses. See the details in this article from Yahoo Finance here:

The top eight biggest Christmas cons!

As Christmas approaches and consumer spending becomes a whirlwind, we reveal the eight biggest ways to get taken for a ride — but not in Santa’s sleigh… read this interesting report from Lovemoney.com

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Save £130 on this Toshiba Laptop & printer deal from Argos, full details here:

Hi

If you have been a subscriber for any length of time, you will know that I am a great believer in taking control of your finances and knowing exactly what money you have and where it goes. Very few people know what money they have at any point in time from day to day, and this often results in them becoming unexpectedly overdrawn because of that direct debit or standing order they had forgotten. If this sounds like you, or if you have to go to the cash machine to check how much money you have in your account, then you need a money management program. I have raised this issue in the past and have had several emails from people who have then tried a money management software program and maintain that it is one of the best investments that they made, as they now feel totally in control of their finances. If you have been thinking about buying this type of software or if you are looking for something to put on your Christmas list, then I would recommend a program called Home Accountz which has a free 30 day trial and enables you to take complete control of your finances, there is fantastic support for this product and it comes at an exceptionally low price, check out the details here:

Supermarket price war: Will it save you money?

The supermarkets are at war with each other, promising to slash prices to win our custom. But is it all a cunning ploy? Read this interesting report from Moneywise here:

How NOT to pay for Christmas

That time of year is approaching again when the Christmas lights are beginning to twinkle in the shop windows and many of us are starting to contemplate what to get our loved ones for the festive season. But if you are thinking about hitting the shops and making a start on your Christmas shopping, you need to ensure you pay for it in the correct way. See this report from Mirror.co.uk.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Nikon L23 Compact Camera with Case and 4GB SD Card, only £39 from Asda Direct, details here:

Hi

I’ve been looking at the enormous rise of parents/grandparents buying the more ‘conventional’ wooden toys for kids. There are several articles that suggest that these are far more educational and safer for all ages, and they are usually more cost effective than the mass produced plastic toys we mainly see nowadays and encourage kids to use their imagination. I must admit that most of the toys that my kids played with, were in the dustbin after a very short time, the only ones that remained were the older wooden ones that had either been bought or handed down. Unfortunately, a few years ago there were very few places selling these types of toys, Early Learning Centre being one of them, and the prices were ridiculously high as they had the monopoly and were cashing in on these trends. Nowadays you can buy good quality, eco friendly wooden toys at dozens of outlets and those available, range from simple baby toys to full wooden toy kitchens and everything in between. In my opinion, one of the best items to be resurrected is the wooden toy box, I remember using mine for everything, it was a hiding place, a boat, a car or anything I wanted it to be!!  If you are interested, you can read the articles and see what’s available at the following recommended sites.
www.woodentoy-boxes.co.uk

www.woodentoykitchen.co.uk

www.woodentoyshop.org

Could a ground source heat pump cut your bills?

Quite a few people don’t like the idea of solar panels and asked instead about ground source heat pumps. I’ve been taking a closer look at geothermal pumps to see if they’re suitable for my house and how much people can hope to save, says Felicity Hannah from Yahoo Finance, read her report here:

10 steps to financial fitness

It’s Financial Planning Week this week, an initiative aimed at raising awareness of just what a difference planning your finances can make. Here are ten tips for getting the most out of your money, thanks to a bit of planning. See this report from Lovemoney.com.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
If you’re looking for Christmas gifts for any DIY enthusiasts, Amazon have up to 40% off Black & Decker power tools. Check details.

Hi

At this time of year finances are stretched to the limit (as are credit cards) and no matter how you plan or how you think that you’ve covered every option, there is always the unexpected that will come back & bite you in the ass !!. With money issues you never know what problem is around the corner and you always need an emergency fund to cover you when this happens. However, if you are living to the very limit of your income then you have no ‘safety net’ and when an emergency happens, this can soon become a disaster if you have no funds to cover it. Even if it means going out 1 less day a week/month, cutting down on the luxuries a bit or buying the less expensive present, it is imperative that you accumulate an emergency fund to cope with unexpected financial events…..they will happen, it’s just a matter of when.
Regular readers of this newsletter will know how much I hate the word ‘interest’, and advocate all measures possible to reduce or even avoid paying it if possible. There is particular bad press about the payday loan companies and the interest they charge, however, I was persuaded by my son that there are occasions when these services can actually be a lifesaver. He had a major problem with his car & had to have it fixed immediately (payday was not for another 10 days), to enable him to get to work, buses were not an option & taxi costs would have been prohibitive. So, much to my horror, he borrowed money from one of the payday loan companies. The outcome was, surprisingly, very good as he borrowed the £150 needed for an immediate repair to his car for 10 days until he was paid, the money was in his bank in 35 minutes & the interest paid was £20. Compare that with going overdrawn at your bank, paying taxi fares or not being able to get to work and the cost is actually cheap !. That said, this sort of loan should only be used as an emergency when there is no other cost effective viable alternative and should be taken with a reputable provider who shows exact costs up front. If you need to take this sort of loan more than a couple of times a year then you have a problem and should not continue down this route but seek expert advice. The instant loan company that I would recommend is Wonga and if you are in the unfortunate position to need this sort of loan, you can check the details here.

Tenants: Know your rights

Paying rent is bad enough. But there are plenty of worse ways to lose money as a tenant.This may be getting short-changed on your deposit by an unscrupulous landlord, or just shelling out for repairs that neither you nor your landlord realise are not your responsibility. See this report from Lovemoney.com

Five meals for less than 50p

Can you come up with a cheaper meal than a toast sandwich? The Royal Society of Chemists has been offering a £200 prize to the first person to create a cheaper meal than Victorian food writer Mrs Beeton. Austerity means that people are looking for cheaper meals. With that in mind, see these five dishes that cost less than 50p. Read the report from Yahoo Finance here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Wooden Toys are making a huge comeback of late, get the latest discounts on wooden toy kitchens & toy boxes here:

Wooden Toy Kitchens      Wooden Toy Boxes      

Hi

Do you know what the following things have in common, applying for a car loan from your local garage or car showroom, a personal loan from your bank, a mortgage from a building society, a credit card or store card, a new 3 piece suite from a furniture store or taking out car insurance monthly?. The answer is they will all perform 1 simple action before they accept your application and that is a credit check. They will then either accept or decline you depending on what this credit report says and if they refuse you, that is the end of the matter, there is no negotiation or appeal. If you are refused credit, it is not because you are on some ‘credit blacklist’, (there is actually no such thing), it can be for a host of reasons that your rejection has occurred. Some of the factors they consider are, the amount of loans you have outstanding, how many credit cards you have, whether you have or have had a mortgage, how many times you have moved address, whether you are self employed or have CCJ’s. In short there are many factors and every lender has a different formula they apply.
The result of all this is that it is essential that you know what information your credit report contains so that you can not only work towards improving it, but actually see the information that companies you have dealt with, have added to your report. It is not uncommon to find that an entry has been made incorrectly because you have the same name as someone else, or someone at an address you previously lived at has had a credit problem or a host of other possible inaccuracies. Additionally, if you subscribe to a credit report company, you will receive alerts when your credit record is checked and this is a key factor in preventing identity fraud as it alerts you to the fact that someone has applied for some type of credit, and if it wasn’t you then it is usually the start of some fraudulent activity in your name. It has personally happened to me on 2 occasions and the fact that I was alerted prevented any identity theft from taking place.
The service I am with and have been for several years is Credit Expert from Experian and I would urge you to take advantage of their 30 day trial to obtain your credit report and credit score absolutely FREE with no obligation. If you decide to continue with the service, that’s great, if not at least take advantage of this free opportunity to view all the information the lenders see about you and find out from your score how likely it is that you will be refused credit in the future. Do it now by clicking here:

Five pricey things you can get for free

Just because something is free, it doesn’t mean it’s actually good. That’s something many companies forget when they’re loading up their customers with free keyrings or coasters, or pompoms with eyes and feet. In fact, there’s an astounding amount of junk given away under the guise of ‘free gifts’ and I get fed up with it. So I’ve found five freebies that have real value, and here they are… This ‘must see’ report from Yahoo Finance here:

The hidden gadget that can help to curb all of your car bills

In a decade, experts predict most cars will be installed with black boxes, to monitor driving and potentially help lower premiums. Student Annabelle Thomson, 21, puts one to the test in this report from This is Money.co.uk

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Asda Direct have this 19” HD Ready LCD TV for under £100, check it out here:

Hi

No doubt everyone has used YouTube at some point, and you may very well follow particular people’s videos or even post your own on the site. I have come across a recently launched site which promotes the views on any chosen video on YouTube completely free of charge. You join the site for free and each time you view a video, you receive a credit view towards your chosen video. It’s a brilliantly simple system where members basically view each other’s videos to increase the number of views each one receives, thereby sending the video up the rankings. Whether it’s a comical video that you shot with your mobile, an information video that you made to help people or one to promote a business, this is the way to get hundreds of views for nothing. You can check out the details here:

Christmas Shopping Websites

You may like to check out a few of our recommended websites for your Christmas Shopping on the members website here

Don’t get caught on the web

Consumers are being warned to watch out for internet cash scams as criminals take advantage of technical problems at banks and HM Revenue & Customs (HMRC) to mount raids on online accounts. Check out the report from Express Money here:

What’s the cost to leave household appliances on standby?

See exactly how much it is costing you to leave those appliances on ‘standby’ in this informative report from This is Money.co.uk.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Check out the Amazon ‘Prepare for Christmas Store’, everything you need for Christmas plus lots you’ve forgotten you needed. Check it out here:

Hi

At this time of year you should be looking at your energy supplier and comparing them to the others on offer. This is best done on a comparison site and the one I would recommend is on the Which? website, as this is totally unbiased and you can win some money in their prize draw. Which? claim it can save an average household £260 per year, which is worth making the switch for. It is easier to check the details since the introduction of the annual energy statement which was covered in this newsletter previously ( Sun 1st August) as you can compare exact figures, and like for like tariffs. There really are substantial savings to be made, but 2 main factors ensure that you get the best possible deal from any supplier and these are a) Get both gas & electricity from the same supplier to get dual fuel discount b) pay on direct debit to get the DD discount. This action should really be taken every year or 18 months to ensure you are getting the best deal. Go to the Which? site here:

You’re always better off as a homeowner, even if house prices fall

House prices are forecast to fall but for many peak buyers, it’ll work out ok in the end. Indeed, the dozens of forecasters I’ve followed have yet to prove their reliability. But say that they are right this time and prices fall 5% to 10%. What does this mean? See this fascinating report from Lovemoney.com here:

Fresh clampdown on bank mis-selling

Just when you thought it was safe to go back in the bank. As the waves of the PPI mis-selling scandal fade away, another quickly emerges, ready to wash away further chunks of the UK banking sector’s battered reputation. Read this report from Yahoo Finance.

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Check out the Big Toy Roll Back at Asda, just one of the top promotions this week, details here:

Hi

This is the time of year when people have a clear out of old things & either throw them away, sell them on Ebay or take them to a car boot sale. I had the misfortune to be dragged to a car boot sale at some ungodly hour last Sunday morning and was quite surprised at what I found. What started as a way to get rid of people’s old junk seems to have turned into a thriving business community selling everything imaginable, much of it new rather than second- hand. Apparently, instead of getting up at the crack of dawn on the odd occasion they have something to get rid of, many of these people are there every Sunday selling their wares, and making a pretty good income from it as well. The average cost for a ‘pitch’, as I believe they are called, is around £10 which has got to be the cheapest ‘shop front’ available and it doesn’t take many sales to cover that sort of cost. It is worth considering giving this a try (if you are the sort of person that likes to get up early on a Sunday !!). People buy small amounts of goods from wholesalers, from market stalls, second hand shops and various other sources, in fact anywhere that enables them to buy goods they can sell at a profit. I can’t see it ever replacing the ‘day job’ unless you do markets during the week as well as Sunday car boots/markets, but it would certainly bring in a bit of extra income for those who can be bothered. These events never seem to be very well advertised to me, but there is an excellent website that lists all the car boot sales by county or by town & also gives tips & advice on participating, well worth a look, check it out here:

5 easy ways to increase your home’s value

When someone comes to look at your home, you have very little time to make a good first impression.This article, looks at five cheap fixes that will help you get buyer’s past that critical first minute and closer to buying your home. Read this report from Yahoo Finance.

25 ways to cut your home insurance

All recent reports point to dropping premiums. Shame that everything you’ll want to fill your home with is getting pricier. So to help you save a little bit more on your home cover – here are 25 ways to slash your premiums. This report from Lovemoney.com here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Argos 3 for 2 Mix and Match on hundreds of gifts. Cheapest item Free, see details here:

Hi

Have you ever thought about ‘blogging’, either for fun or to make some extra money?. Literally millions of people now have their own blog site posting information on hobbies, interests and every subject under the sun & it can be set up at virtually zero cost. Once up and running you can make anything from a few pounds a month to a full time income. If you think you might like the idea but don’t want to risk any money, then take a look at this free site that teaches you how to set up a blog, then decide for yourself. Click here to take a look.

New logo helps consumers avoid scam ticket sites

One in ten people was scammed by a fake ticket website last year, according to research by the Society of Ticket Agencies and Retailers (STAR). To combat ticket fraud, which costs victims an estimated £168m a year, STAR has launched a new kitemark that identifies reputable outlets. See this report from Which? here:

Make money by answering the phone

If you’re looking for a new way to make money, perhaps as a way to combat unemployment or as a change of scenery from your current job, one option is to set up a call-handling service and make money from answering the phone. See the article from Moneymagpie here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Buying anyone a book for Christmas?, Amazon has some amazing paperback deals here:

Hi

Just like to remind you once again about the Royal British Legion Poppy Appeal this year, you can buy your Christmas Draw tickets online & have the chance to win £90,000 plus many other prizes. Get your tickets here:

Do you have any appliances that you either don’t know how to use correctly or you want to sell but can’t find the instruction manual? It doesn’t matter if it’s an answerphone, a washing machine, a breadmaker, a camera, a lawnmower or even an Anson I aircraft, as long as it was sold in the UK, you can probably find a manual at instruction-manuals.co.uk. To view the site click here:

Similarly if you need a spare part for something, there are several websites that stock spares; eSpares is easy to use and has a wide range of parts, whilst Currys’ Partmaster also stocks plenty of different types, though make sure you factor in postage costs.
Ebay is also worth checking if you’re looking for universal parts, as it’s sellers often come up cheapest for these.
Wherever you buy from, make sure the part is compatible with your make and model, and check the returns policy before you buy just in case it doesn’t fit.

Espares 

Currys Partsmaster 

The tactics phone scammers use to rob you

Nowadays phones are unrecognizable from the early models, and if your phone can’t access the internet, take pictures or shoot video you are seriously behind the times! However, this ever advancing mobile technology has a downside as scammers and thieves identify new opportunities to take advantage of. See this report from Lovemoney.com

Scam Watch update: the fraudsters you should be aware of

Here are some of the very latest scams that the fraudsters are trying to con us out of our money with. This must read report from Moneywise here:

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Check out the Argos online clearance store for 100’s of unrepeatable offers, full details here:

Hi

I’ve just come across a company called Home Exchange, who offer a different way to holiday, almost anywhere in the world. As the name suggests members arrange a home exchange and their accommodations are free, there are no per-exchange or per-day charges. The company has been featured in major media worldwide, including the TODAY Show, New York Times, Newsweek, and as the website used by Cameron Diaz and Kate Winslet when arranging their own home exchange in the SONY motion picture THE HOLIDAY. The site caters for the following groups, Families with children, Retired people, Young singles
International vacations, Regional vacations & even weekend trips… which pretty much covers everyone I can think of! It promotes the idea of ‘you stay in my house & I’ll stay in yours’ and is by far the cheapest way to holiday and is becoming one of the most popular ways of holidaying. If you think this might be for you, check out the details here:

When spending more costs less

Sometimes a large purchase can help you save money in the long term, so it makes sense to spend a lot. This can be difficult for a diehard penny pincher to swallow. The golden rule is to look at the amount you’ll save with the purchase and then work out how long it will take to make back what you spent and start benefitting. This report from Yahoo Finance.

The top 10 scams to know and avoid

Scams, rip-offs and frauds cost us a staggering £30 billion a year, according to National Fraud Authority estimates. Here we list some of the best-known ones – and some you may not be aware of – and show how you can protect yourself. Read this article from Moneywise here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Did you know you can get download Free MP3 albums & tracks from Amazon? Check out the details here:

Hi

I’m going to touch on a controversial subject today, namely smoking. Without a doubt, anyone who does smoke is throwing an absolute fortune away, but what if they can’t stop? Many people I know have stopped smoking, felt better for it & saved an absolute fortune, but there are also some who desperately want to stop but just can’t. Leaving aside the arguments about will power etc companies have been searching for a solution to this problem for decades. We have the patches, gum, hypnotism and all the rest, but recently my son invested in an electronic cigarette kit, which even as an avid anti-smoker, I’m impressed with. Basically it is an electronic device, identical to a cigarette but it lets you inhale a vapour mist that contains nicotine. The vapour is mainly water & has no smell or bad effects and it can be used anywhere as it does not come under the cigarette ban. In effect it is a nicotine delivery system without any harmful effects, which actually simulates the actions of smoking. Amazingly, his kit cost him no more than it would have done for a week’s supply of normal cigs, so even if he was to go back to normal cigs after a few weeks, he would still have saved money (after 6 weeks he is still using it & has saved a fortune). I would urge anyone in this situation to try this method and you can find full details about it here:

The possessions you need to dump or sell

Do you have eight gadgets when actually your mobile phone does all the same tricks in one? Do you pay for unnecessary subscriptions when you can get the same service for free online? If the answer to any of the above is yes, then you could be wasting money. Plenty of us no longer need many of our regular purchases and services, because we have access to alternatives. Read this report from Yahoo Finance

10 ways to make extra cash online

The internet is a great place to spend time and money, but with a bit of creative thinking there are plenty of ways to make pennies and pounds online. Read this article from Which?

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Save up to half price on Small Kitchen Appliances & Vacuum Cleaners at Argos. Full details here:

Hi <NAME>

As promised last week I’m going to cover Money Management Software again as it’s something I always use & believe in. The program that I use is called Home Accountz and I can recommend this to anyone who is not using such a program, and also to those who are looking to replace any other program such as Microsoft Money which is now obsolete and no longer available or supported. This really is an easy program to use & shows you exactly what money you have available at any point in time i.e currently & also after any standing orders/direct debits have been paid, so you can see if & when you may become overdrawn and plan accordingly. All too often I speak to people who have no idea how much is in their account & have to keep rushing down to the cash machine to see what they have left, and invariably find they are overdrawn because they ‘forgot’ about a payment being taken. If this sounds like you then I would strongly advise that you get such a program & take control of your finances as this is the only way to budget & save effectively. Working out how much you have paid in interest for credit cards & overdraft fees, will show you how much is being wasted by not having a grip on your financial situation and not planning accordingly. The software is FREE for a 30 day trial period and I would urge you to try it out without obligation, the money you can save will pay for it many times over. Click here for your FREE 30 day trial.

Avoid this sneaky gym membership trap

Trying to cancel an unwanted gym membership might not be as simple as you think. It’s all too easy for good intentions to fall by the wayside as a busy lifestyle whittles your gym visits down to once a week, then to ‘once a month if you’re lucky’. So, you decide to bite the bullet, be realistic and cancel your contract to save money….then you see the small print !! Read the article from Lovemoney.com here:

Cash in on your possessions

Would you rent out your stuff? Have you ever splashed out on an expensive designer dress? Do you own a collection of top spec power tools? Are your premium kitchen knives the envy of all your friends? Then maybe you could start renting them out with this new website. Read this report from Yahoo Finance

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Massive savings in Deals of the Week at Amazon, check them out here:

Hi

Let’s remember the Royal British Legion Poppy Appeal this year, you can buy your Christmas Draw tickets online & have the chance to win £90,000 plus many other prizes. Get your tickets here:

I’ve covered this before, but when I talk to people about working to a family budget, it is amazing how many of them are unable to say how much their outgoings are each month. To work to any sort of budget, you must know exactly what your outgoings and income are, otherwise you don’t have a chance of achieving any sort of budget. Money management programs are an essential tool & I will cover this subject in next week’s newsletter, but still the need to know your income/expenses is a basic requirement before you can begin to make use of this sort of program. It takes about an hour to sit down & go through direct debits, standing orders, bills etc. to complete this exercise and can be quite an eye opener. If you are one of those people who don’t know exactly where your money goes (or even if you think you do!!), you would benefit from doing this exercise and I guarantee you will have a greater understanding of precisely what you need to do, to budget & save money. To assist you, you can download my Free Budget Planner, click here:

 
Free solar is streets ahead

When Graham and Lynn Sanderson realised that a government-led subsidy meant their bungalow could benefit from a completely free solar system from HomeSun, they convinced the whole street to go energy efficient too. See this important report from Express.co.uk

Watch out if you’ve been sold this insurance!

Most life insurance policies will only pay out if you die within a set period of time: the term of the policy. By contrast, whole of life policies are guaranteed to pay out whenever you die. So as long as you keep paying the premiums, your estate’s guaranteed a pay-out at the time of your death. Sounds too good to be true? Then alarm bells should be ringing. Read the report from Yahoo Finance here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Up to 25% off Top Branded Toys & Games at Argos, full details here:

Hi

The weather is quickly turning towards winter and I know that a lot of people take up hobbies or craft work etc. during the winter months in their garage, shed or spare room. Some people make money from these activities and I thought I would just mention a product that may appeal to any woodworkers out there. I have bought the product myself and there are over 14,000 plans to make anything you can think of out of wood, from simple plant pots right up to boats & everything in between, It doesn’t matter if you are a complete novice, there are projects you can make and as there is an increased demand for home made craft products, it could be worth a few £’ss. Take a look HERE if you are interested (60 day money back guarantee applies, so no risk)

Struggling homebuyers offered ’100pc mortgages’ in new pilot scheme

A mortgage offering struggling families and first time homebuyers the opportunity to borrow the full cost of their property has been launched by Aldermore. Read this report from Yahoo Finance

The worst way to sell DVDs

The TV has been full of ads recently for a new way to sell your old DVDs, CDs and games quickly and easily, called MusicMagpie. But how does it compare to selling on eBay or Amazon? See the report from Lovemoney.com here:

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Up to 63% Off Deals of the Week in Health & Beauty, full details here:

Hi

Most people are always looking to earn that little bit of extra income from home and there are hundreds of opportunities out there…unfortunately many of them are useless or even worse scams!! Regular readers will know that there are several opportunities listed on the member’s website which have been verified and come with full money back guarantees, but I only feature products that have been recommended or are proving popular. One such product is Real Writing Jobs which allows you to earn income from writing articles on a whole range of subjects in your spare time, but as usual this is not for everyone. The product has a full 60 day no quibble money back guarantee so if you think it’s worth taking a look you will find full details here:

20 steps to a frugal lifestyle

From cutting down on your food bill to entertaining at home, Hannah Ricci shows how you can cut back on costs without sacrificing your quality of life in this article from Moneywise.

The biggest mobile phone blunders we all make

Mobile phones have come a long way over recent years, and as phones have gained an increasing number of handy uses, mobile tariffs have gone up in price.Unfortunately, there is also a range of temptations and rip-offs that can see us paying out far more for our tariff than we strictly need to. Read this report from Lovemoney.com

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Save up to half price on personal care products at Argos, full details here:

 
Hi

There has been quite a lot of hype in the media of late with the latest lottery winners, which reminded me of a product I featured some time ago called The Lotto Black Book, which some of our readers tried & recommended. This was invented by an American maths professor, but I won’t bore you with the details of how it works, if you go to the site he will explain it all, with the usual American hype !!. However, the great thing about this product is that he guarantees a good win within the first few weeks & if not you get your money back. There are no catches here as the publisher (Clickbank) has a 60 day money back, no hassle guarantee, which I can vouch for as they are well known worldwide in the digital product industry. This one is a no lose situation and well worth taking a look at. Once again if you do purchase the product, please let me know about your successes so that I can pass them on to other readers in this newsletter. For full details click here:

The latest top 10 scams to know and avoid

Keep up to date with the latest attempts by fraudsters to con you into handing over your money, and stop them in their tracks, see this report from Moneywise.

45 things you can get for £5 or less

Find out how to get your hands on clothing, homewares, books, games, DVDs, gardening gear and much more for a fiver or less, in this fascinating report from Lovemoney.com, here:
 

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Deal of the Week this Nikon S9100 Coolpix Digital Camera reduced by £110, only £189.99, full details here:

Hi

I thought I would cover one of the more popular ways to make a little extra money if you have a bit of spare time and a computer, and that is blogging. Now I know some people will immediately say “no that’s not for me”, but do you really know what it’s about? Writing a blog can be about anything from your daily life to hobbies, interest’s information etc. the possibilities are endless and there are plenty of ways to make money from it no matter what the subject. Say, for instance, your hobby is making model cars or fishing or breeding dogs, you can write a regular blog about your experience, giving help & information to others who have similar interests, plus there are suppliers out there who will pay you for advertising their related products or give you commission on any sales made through your blog. Then there is Google who will also pay for any adverts they place that people click on, regardless of whether they buy a product or not. The only cost involved is buying a domain name (i.e moneysaverstrategies.co.uk, costs £25 for 2 years) which should relate directly to your blog content and then your hosting charge which is about a fiver a month. The most popular platform to produce your blog is called WordPress and it is absolutely free. If you think this sounds daunting, it really isn’t, I’ve been doing it for some time and the best place to start for free advice is HERE, take a look you’ve got nothing to lose !

How to start your own internet business

If you’ve ever had an idea for a product or service that you think could net you a fortune, you may well have considered setting up an internet business with the aim of sitting back and watching the money roll in. This report from The Independent here:

Price wars: Supermarket versus local market

I’m often told that it’s cheaper to ditch the major supermarkets and shop at local markets, retailers and butchers. But the supermarket I usually visit always seems to have deals on fresh produce. It discounts different vegetables each week and this summer has offered loads of bags of fruit for just £1. So I’ve wondered if it’s actually true that I could save money. Read this report from Yahoo Finance.

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Andrew James Ice Cream, Sorbet and Frozen Yoghurt Maker Machine 1.45 Litre + FREE 128 Page Recipe Book, save £40 now only £29.95, full details here:

Hi

Well, back from my week’s holiday to find that the whole country has gone mad and we are in the middle of riots !! It never ceases to amaze me how a minority of scumbags can have so little respect for other people’s property & livelihoods. Incredibly there are kids as young as 10 & 11 taking part, where the hell are their parents? Use water cannon on them is what I say ! Ok rant over. As most people are about to, or already have had their holidays, it is the second most expensive time of the year (the other being Christmas), when people get into debt to fund their breaks away. It may be worth spending a little less this year & using any extra cash to pay off those costly debts. Now is the time to clear or reduce debts on store and credit cards that can charge between 18 & 30% and one way, is to transfer any balances to a 0% card, some offer up to 20 months and this gives you time to pay off the debt without crippling interest charges. However, don’t fall into the trap of spending more on these sort of cards and find that when the interest period runs out you are saddled with even more debt.

Make money house sitting

Deciding to become a house sitter can be a really smart move. As well as earning an income by doing very little, you could find yourself staying in luxurious houses and apartments, pet sitting cute animals without the responsibility of pet ownership, and enjoying some space and independence. Read the article from Moneymagpie.com here:

Does your insurance cover you for riot damage?

The last few nights have seen terrifying scenes of violence and chaos, and while the pictures on the news at times have resembled something you’d see in a film, the resultant damage and destruction is all too real — and it’s us who are left to pick up the pieces. So if your home or property has fallen victim to the looters, where do you stand? See this report  from Yahoo Finance

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.
Brian Philips

TIP OF THE WEEK
Get a Sony BDP-S570B 3D Blu-ray player for only £147, check it out here:

Hi

Many of you may have heard about the new ebook readers & specifically the product they call ‘Kindle’, but have you ever checked out exactly what it is? Basically it is a means of reading an electronic book and there are over 700,000 different books available, these include bestsellers, new releases, newspapers & magazines, but did you know that there are more than 1 million free books also available? I must admit that I did not appreciate the significance until I played with a friends ‘Kindle’ and now I am hooked & it is top of my wish list for anyone buying me a present. The Kindle is incredibly light and is thinner than a magazine & weighs less than a paperback, can be read in sunlight, has a battery life of up to 2 months and can hold up to 3,500 books. Now all this might sound like some hyped up sales pitch, but believe me, it is well worth checking out, particularly if you read books whilst you are on holiday. My friend bought his for just that reason, as it saved him packing conventional books & he can download additional books via Wi-Fi. I would guess that this is something that most people will either love or hate, depending on your point of view, but if you think it’s worth a look, check out the details here:

There will be no newsletter next week as I’m on holiday, but it will be back the week after.

How to keep one step ahead of exchange rates

Exchange rates are notoriously volatile, but in this day and age of round-the-clock trading there’s no excuse for not getting the best rate, if you are holidaying abroad, read this report from Moneywise here:

Don’t make these five dangerous cutbacks

As household budgets are stretched to breaking point, many of us are making cutbacks here, there and everywhere.
However, beware these five economies – they could prove to be false on a disastrous scale!. We show you five insurance cutbacks you shouldn’t make, see this report from Lovemoney.com

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
If you are thinking of selling your car, this site has been voted ‘best car buyer’ in the UK, check it out here:

Hi

Phone hacking has been the main news item for a couple of weeks now, but what actually is it & how can you avoid it happening to you?
Basically, phone hacking is when someone gains access to your voicemail, which used to be quite easy as voicemails came with a standard PIN which the user was supposed to alter when they started using the service. Unfortunately, most people never bothered so all someone had to do was call your phone when it was either switched off or engaged & they would go straight through to your voicemail & using the PIN, have complete access. Network providers have tightened up now and default PINs have been discontinued and you now choose a PIN when you set up your voicemail. However, using an obvious one like sequential numbers (4567) or your birthday, still makes it easy for hackers. The main problem is that voicemail can still be accessed remotely (from a phone other than the mobile) and there is technology called Caller ID Spoofing which among other uses, allows someone to impersonate a mobile number so the voicemail thinks it is being accessed by the persons own mobile & so gives access to the voicemail.
That said, unless you have a high profile, it is unlikely that someone will bother to try & hack your phone, personally if they hacked mine they would only hear the kids wanting a lift or to borrow money, so no problem there !!

Millions risking credit card trap

According to new research a quarter of Britons, some 11 million people, are turning to their credit card as a fallback when they run out of funds in their current accounts after 21 days, see this report from Express.co.uk here:

Seven places to find emergency cash

We’re always telling you about the things you can do to thoroughly overhaul your finances. However, what about when you need a few extra pounds immediately, to meet an urgent expense or get you through to the next pay day? This report from Lovemoney.com

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Get this great coin counting jar to help you save, automatically records how much is in it, great value at only £6-99, see full details here:

Hi

I covered this subject a few months ago, but have had some really good feedback from readers and so thought it is worth bringing to you attention again. Basically it is a satellite TV system that you watch on your PC for a 1 off cost with no monthly fees and unlimited viewing. You simply download the software and watch any of the 3,500 channels available from dozens of countries, including over 500 from UK. There are 2 points to check before you think about getting it, firstly are you happy to watch TV on your computer (this is fine if you have good sound and a good quality monitor) and secondly as it is via internet, you must have unlimited broadband (most people do have this anyway), if you can say yes to both these points then it is worth checking it out here:

Do let me have your feedback if you take up this option.

How to get poor quick

If you have had enough of get rich quick schemes, try to see if you can out-do the Jones by beating them to poverty. This nation is in some ways excellent at getting poor!! Read this fascinating report from Yahoo Finance here:

Top 10 Moneysaving Apps

When you’re not playing Angry Birds or Tetris games on your iPhone, there’s a wealth of useful moneysaving apps that you can download for free or at minimal cost to trim your everyday spending. Here’s 10 of the best as featured by Moneywise in this report.

 
If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips

TIP OF THE WEEK
Deal of the Week as featured by Which? £25 off a Phillips Iconic Deep Steam Iron, full details here:

Hi

To conclude the review of the last 6 months most important posts, this week I’m featuring a couple of the extra income opportunities that have been popular with many readers. All opportunities featured here have a ‘60 day no quibble money back guarantee’ so you can try them out with complete confidence & return them if they are not for you.
The first is the Rich Janitor System (yes it’s American !!), but nevertheless it has proved to be very popular and at a reasonable price, see full details here:

Secondly we have the Easy Home Biz system, this was devised by a working mum and has proved exceptionally popular, all the details for this are here:

Lastly this is a more conventional way to earn extra income, it is a complete guide entitled Becoming a Self Employed Courier and is well worth a look and you can find it here:

Good luck with any of these that you feel you would like to try.

Top ten lessons from the financial crisis

Fears the financial system was on the brink of collapse in 2008 made many focus on the return of their investments as well as the return on their investments. Three years later hindsight gives a clearer view of the lessons we can learn from the crisis in 2008. Get the facts from this Yahoo Finance report here:

16 ways to enjoy tax-free income

The taxman may taketh away – but he giveth too. Danny Cox, Head of Advice at Hargreaves Lansdown looks at some of the ways to enjoy tax-free income, see the report here:

If you have your own ideas, tips or just want to comment, contact me at brian@moneysaverstrategies.co.uk

Well that’s it for today, watch out for your next newsletter.

Brian Philips