tag:blogger.com,1999:blog-15054478011798027872024-03-05T15:02:10.950+00:00Bargain BibleDeals and discounts for the Manchester area and also Nationwide offers - spread the word.
Most deals are one day only so buy now to avoid disappointment!BargainBiblehttp://www.blogger.com/profile/01605274048362358186noreply@blogger.comBlogger1048714tag:blogger.com,1999:blog-1505447801179802787.post-11811815014552479882016-03-06T08:46:00.001+00:002016-03-06T08:46:40.586+00:00£139 -- Lake District: Market-Square Stay w/Meals & Gin<!--[if gte mso 9]> <style type="text/css"> .outlook-ul { padding: 0 !important; margin: 0 0 0 30px !important; } .outlook-ul li { padding: 0 !important; margin: 0 0 10px 0 !important; } .outlook { padding: 0 !important; margin: 0 0 0 30px !important; } .outlook li { padding: 0 !important; margin: 0 0 10px 0 !important; } </style> <![endif]--> <div style="display:none!important;mso-hide:all;visibility:hidden;line-height:0;font-size:0;text-align:center;color:#cccccc;">PLUS: Yorkshire | Cotswolds | Shropshire | Nottingham | </div> <table cellpadding="0" cellspacing="0" width="100%" border="0" bgcolor="#fffffe" id="bodyTable"> <tr> <td width="15" style="line-height: 0; font-size: 1px;" class="content-padding"> </td> <td> <!-- Outlook and Lotus Notes don't support max-width, so force fixed width --> <!--[if (gte mso 9)|(IE)]> <table width="600" align="center" cellpadding="0" cellspacing="0" border="0"> <tr> <td> <![endif]--> <table cellpadding="0" cellspacing="0" width="100%" border="0" align="center" style="min-width: 300px; max-width: 600px; margin-left: auto; margin-right: auto;" class="rsp-table"> <tr><td height="20" style="line-height: 0; font-size: 1px;" class="header-padding"> </td></tr> <!-- START LOGO + HEADER --> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" align="right" class="mobile-hide-640"> <tr> <td align="right" height="38" nowrap="nowrap" style="padding-bottom: 2px; font-family: Arial, sans-serif; font-size: 11px; color: #999999;">06 MARCH 2016</td> </tr> </table> <table cellpadding="0" cellspacing="0" border="0" align="left" class="header-logo"> <tr> <td style="padding-top: 3px; padding-right: 12px; padding-bottom: 5px;"> <a style="font-family: Arial, sans-serif; font-size: 18px; color: #0555AF; text-decoration: none;" href="http://www.travelzoo.com/uk/l/gt/100156765-2217396_578/" target="_blank"> <img alt="Travelzoo" src="https://ssl.tzoo-img.com/images/tzoo_logo_email_136x32@2x.png" border="0" width="136" height="32" style="display: block;"> </a> </td> </tr> </table> <!-- START GETAWAY HEADER US/CA --> <table align="left" class="mobile-hide-640 header-title" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td nowrap="nowrap" style="color: rgb(0, 0, 1); line-height: 19px; padding-top: 9px; padding-bottom: 5px; font-family: Arial, sans-serif; font-size: 18px;"> GETAWAY </td> </tr> </tbody></table> <!--// END GETAWAY HEADER US/CA --> </td> </tr> <tr><td height="10" style="line-height: 0; font-size: 1px;" class="mobile-hide-640"> </td></tr> <tr><td height="10" style="line-height: 0; font-size: 1px; border-top: 1px solid #e5e5e5;" class="mobile-hide-640"> </td></tr> <!--// END LOGO + HEADER --> <!-- START FEATURED DEAL HEADLINE --> <tr> <td style="padding-top: 10px;" class="mobile-hide-640"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396_578" target="_blank" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.25; font-weight: bold; color: #000001; text-decoration: none;" class="rsp-featured-title">£139 -- Lake District: Market-Square Stay w/Meals & Gin</a> </td> </tr> <!--// END FEATURED DEAL HEADLINE --> <!-- START FEATURED DEAL BYLINE --> <tr> <td style="padding-bottom: 7px; padding-top: 2px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Katie Jones | Source: Inn on the Square </td> </tr> <!--picture_section_start--> <tr> <td style="line-height: 0; font-size: 1px;"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396_578" target="_blank" style="display: block;"> <img alt="" src="http://data.travelzoo.com/images/tzoo.88962.0.411681.innsquare.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"> </a> </td> </tr> <!--picture_section_end--> <!-- START ADDITIONAL TEXT --> <tr> <td style="padding-top: 14px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #000001;" class="featured-addltext"> </td> </tr> <!--// END ADDITIONAL TEXT --> <!--subtitle_section_start--> <tr> <td style="padding-top: 12px; font-family: Arial, sans-serif; font-size: 15px; font-weight: bold; line-height: 1.4; color: #000001;" class="featured-subtitle"> Why we love this deal </td> </tr> <!--subtitle_section_end--> <tr> <td style="padding-top: 10px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #000001;" class="featured-dealbody"> <ul class="outlook" style="margin: 0; padding: 0 0 0 30px; line-height: 20px;"> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">The Inn on the Square, which opened in 2015, is a chic hotel in a revamped Georgian building</span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">For £139 per room, you get an overnight stay for two with a gin and tonic each on arrival, dinner, breakfast and late checkout</span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">We love the location -- it's in Keswick market square, a 10-minute walk from Derwentwater</span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">The AA praises the hotel's "impressive" bedrooms, and awards the restaurant a Rosette for culinary excellence </span></li> </ul> </td> </tr> <tr> <td style="padding-top: 5px;"> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" class="fixed-button" nowrap="nowrap"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396_578" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View Deal »</a> </td> </tr> </table> </td> <!--RATINGS_SECTION_START--> <!--RATINGS_SECTION_END--> </tr> </table> </td> </tr> <tr><td height="20" style="border-bottom: 1px solid #e5e5e5; line-height: 0; font-size: 1px;"> </td></tr> <!--// END FEATURED DEAL INFO --> <!--multi_featureddeal_title_1_start--> <tr><td height="20" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="font-family: Arial, sans-serif; font-size: 14px; font-weight: bold; color: #000001;"> More Hotel Deals </td> </tr> <!--multi_featureddeal_title_1_end--> <tr><td height="20" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="line-height: 0; font-size: 1px;"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212671_578" target="_blank" style="display: block;"> <img alt="" src="https://ssl.tzoo-img.com/images/tzoo.25376.0.408061.BurnHallHotel.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"> </a> </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td style="padding: 13px; border: 1px solid #e5e5e5;"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212671_578" target="_blank" class="rsp-title" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.25; font-weight: bold; color: #000001; text-decoration: none;">£79 -- 2-Night North Yorkshire Stay inc Breakfast, 58% Off</a> </td> </tr> <tr> <td style="padding-bottom: 7px; padding-top: 2px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Krystina Mitchell | Source: BEST WESTERN Burn Hall Hotel </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" class="fixed-button" nowrap="nowrap"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212671_578" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View »</a> </td> </tr> </table> </td> <!--RATINGS_SECTION_START--> <!--RATINGS_SECTION_END--> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr><td height="20" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="line-height: 0; font-size: 1px;"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2207285_578" target="_blank" style="display: block;"> <img alt="" src="https://ssl.tzoo-img.com/images/tzoo.hd.15784.0.160379.TheCheltenhamChase.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"> </a> </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td style="padding: 13px; border: 1px solid #e5e5e5;"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2207285_578" target="_blank" class="rsp-title" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.25; font-weight: bold; color: #000001; text-decoration: none;">£109pp -- 2-Night Cotswolds Break w/Meals, Wine & Cream Tea</a> </td> </tr> <tr> <td style="padding-bottom: 7px; padding-top: 2px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Amy Lindsay | Source: The Cheltenham Chase Hotel </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" class="fixed-button" nowrap="nowrap"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2207285_578" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View »</a> </td> </tr> </table> </td> <!--RATINGS_SECTION_START--> <!--RATINGS_SECTION_END--> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr><td height="20" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="line-height: 0; font-size: 1px;"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212786_578" target="_blank" style="display: block;"> <img alt="" src="https://ssl.tzoo-img.com/images/tzoo.51681.0.408695.TheRaven.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"> </a> </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td style="padding: 13px; border: 1px solid #e5e5e5;"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212786_578" target="_blank" class="rsp-title" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.25; font-weight: bold; color: #000001; text-decoration: none;">£149 -- Shropshire: 2-Night Stay w/Bubbly, Was £265</a> </td> </tr> <tr> <td style="padding-bottom: 7px; padding-top: 2px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Katie Warwick | Source: The Raven </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" class="fixed-button" nowrap="nowrap"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-212786_578" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View »</a> </td> </tr> </table> </td> <!--RATINGS_SECTION_START--> <!--multi_featureddeal_rating_start--> <td valign="middle" style="padding-left: 10px;"> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td style="line-height: 100%; font-size: 1px;"> <img src="https://ssl.tzoo-img.com/images/icon_review_14@2x.png" alt="" width="14" height="14" border="0"> </td> <td style="padding-left: 2px; font-family: Arial, sans-serif; font-size: 13px; color: #999999;" nowrap="nowrap" class="rsp-byline"> <span style="color: #000000;">97%</span> (321 ratings) </td> </tr> </table> </td> <!--multi_featureddeal_rating_end--> <!--RATINGS_SECTION_END--> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr><td height="20" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="line-height: 0; font-size: 1px;"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2211479_578" target="_blank" style="display: block;"> <img alt="" src="https://ssl.tzoo-img.com/images/tzoo.hd.76731.0.186335.DeVereOrchard.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"> </a> </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td style="padding: 13px; border: 1px solid #e5e5e5;"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tr> <td> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2211479_578" target="_blank" class="rsp-title" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.25; font-weight: bold; color: #000001; text-decoration: none;">£89 -- Nottingham Eco-Hotel Stay w/Meals & Wine, Save 49%</a> </td> </tr> <tr> <td style="padding-bottom: 7px; padding-top: 2px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Katie Warwick | Source: De Vere Venues Orchard Hotel </td> </tr> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" class="fixed-button" nowrap="nowrap"> <a href="http://www.travelzoo.com/uk/l/100156765-2217396-2211479_578" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View »</a> </td> </tr> </table> </td> <!--RATINGS_SECTION_START--> <!--RATINGS_SECTION_END--> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <!-- START HBE MARCOM 2 --> <tr> <td height="20" style="line-height: 0; font-size: 1px;"> </td> </tr> <tr> <td style="line-height: 0; 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By going to any link in this email you are agreeing to allow this. Please read our <a style="color: #0555AF; text-decoration: none; white-space: nowrap;" href="http://www.travelzoo.com/uk/l/gt/100156765-2217396_578/uk/privacy/" target="_blank">Privacy and Cookie Policy</a>.<br> <br> Do not attempt to respond to this message.<br> We cannot accept electronic replies to this email.<br> Written inquiries can be sent to:<br> Travelzoo (Europe) Ltd., <span class="autoLinksGray" style="color: #999999; text-decoration: none;"> Shaftesbury House, 151 Shaftesbury Avenue, <span style="white-space: nowrap;">London WC2H 8AL</span> </span>. </td> </tr> <tr><td height="30" style="line-height: 0; font-size: 1px;"> </td></tr> <!--// END FOOTER --> </table> <!--[if (gte mso 9)|(IE)]> </td> </tr> </table> <![endif]--> </td> <td width="15" style="line-height: 0; font-size: 1px;" class="content-padding"> </td> </tr> </table> <img src="http://data.travelzoo.com/Hit.ashx?t=0&a=2217396&m=100156765" width="1" height="1" alt="*"> BargainBiblehttp://www.blogger.com/profile/01605274048362358186noreply@blogger.com3tag:blogger.com,1999:blog-1505447801179802787.post-24764513656688568092016-03-05T18:02:00.001+00:002016-03-05T18:02:06.234+00:00Download Speed Dreams A Fork of The Famous open Racing Car Simulator<meta name="description" content="Download Speed Dreams. Racing Car Simulator. 3 amazing fine tuned and balanced new car. 3 exciting new tracks. 2 new TRB first-class robot for the Supercars" /> <meta name="keywords" content="speed dreams,famous open racing,racing car simulator" /> <p> </p> <p><b><font size="4">Download Speed Dreams A Fork of The Famous open Racing Car Simulator</font></b><font face="Arial"><br> </font></p> <p><font face="Arial"><br> Speed Dreams is a fork of the famous open racing car simulator Torcs, aiming to implement exciting new features, cars, tracks and AI opponents to make a more enjoyable game for the player, as well as constantly improving visual and physics realism.<br> <br> In other words, Speed Dreams is the place:<br> <br> where developers can try their ideas and have every chance to get them released to the end-users (democracy is the main principle ruling the dev team),<br> where end-users can enjoy the completion of these ideas and give their opinion about it, and/or make new suggestions.<br> <br> So, if you find your or some people's Torcs patch proposals don't integrate the official release as quickly as you would have loved, you have reached the right place !</font></p> <div class="entry-content"> <p align="center"><a href="http://gotgamecheats.net/file/057ML9"> <img border="0" src="http://egyimport.com/software-services/wp-content/uploads/2016/03/speed-dreams-20-car-supercars-768x432.jpg" width="581" height="324"></a></p> <p align="center"><a href="http://gotgamecheats.net/file/057ML9"> <img border="0" src="http://egyimport.com/software-services/wp-content/uploads/2016/03/speed-dreams-20-car-ls1-768x432.jpg" width="586" height="329"></a></p> <p align="center"> </p> <p align="center"><a href="http://gotgamecheats.net/file/057ML9"> <img class="size-medium wp-image-603 aligncenter img-responsive" src="http://egyimport.com/software-services/wp-content/uploads/2016/03/download-copy-1-300x57.jpg" alt="download" srcset="http://egyimport.com/software-services/wp-content/uploads/2016/03/download-300x57.jpg 300w, http://egyimport.com/software-services/wp-content/uploads/2016/03/download.jpg 360w" sizes="(max-width: 300px) 100vw, 300px" width="300" height="57" longdesc="Download Vegatrek Full Version .. 500 systems to explore"></a></p> <p>Speed Dreams is a 3d cross-platform, open source motorsport simulation and racing game. It is released under the GNU General Public License (GPL). For the moment, the supported platforms are Linux (x86, x86_64) and 32 bit Windows. The Mac OS X port is 95% finished, more volunteers are welcome...<br> <br> Speed Dreams is a fork of the open racing car simulator Torcs, aiming to implement exciting new features, cars, tracks and AI opponents to make a more enjoyable game for the player, as well as constantly improving visual and physics realism.<br> <br> The current official release features :<br> <br> visually reworked menus by Brian Gavin, Eckhard M. Jäger, Andrew Sumner and Jean-Philippe Meuret,<br> 3 amazing fine tuned and balanced new car sets by Andrew Sumner and Haruna Say: Super Cars, 36 GP and LS-GT1,<br> an updated TRB1 car set (well balanced, more realistic behaviour),<br> 3 exciting new tracks and many visually improved ones,<br> smashing liveries for all these cars, by Eckhard M. Jaeger and Haruna Say,<br> 2 new TRB first-class robot for the Supercars, 36 GP and TRB1 car sets :<br> <br> USR by Andrew Sumner and Simplix by Wolf-Dieter Beelitz (at last real AI opponents !),<br> animated driver by Andrew Sumner on 36GP cars, 3D wheels for all cars by Eric Espie,<br> 2 new leader-board modes by Gabor Kmetyko, smoke on spinning tires by Andrew Sumner,<br> brand new gauges by Eckhard M. Jaeger, and many many other small visual improvements,<br> experimental Simu V3 physics engine by Christos Dimitrakakis,<br> many menu improvements (support for grid shifting, optimized track select load time,<br> <br> category filter when selecting driver, more infos in results and standings boards),</p> <p><b><font size="4">You Can Download Full Free Version From Here </font> </b><font size="4"><b><a href="http://gotgamecheats.net/file/057ML9"> http://gotgamecheats.net/file/057ML9</a></b></font></p> <p> </p> <p>Name speed-dreams-base-2.1.0-beta-win32-setup.zip<br> Type ZIP archive<br> Size 143.12 MB</p> <p style="text-align: center"> <a href="http://gotgamecheats.net/file/057ML9"> <img class="size-medium wp-image-603 aligncenter img-responsive" src="http://egyimport.com/software-services/wp-content/uploads/2016/03/download-copy-1-300x57.jpg" alt="download" srcset="http://egyimport.com/software-services/wp-content/uploads/2016/03/download-300x57.jpg 300w, http://egyimport.com/software-services/wp-content/uploads/2016/03/download.jpg 360w" sizes="(max-width: 300px) 100vw, 300px" width="300" height="57" longdesc="Download Vegatrek Full Version .. 500 systems to explore"></a></div> <p> </p> <p>Source <a href="http://egyimport.com/software-services/download-speed-dreams-a-fork-of-the-famous-open-racing-car-simulator.html">Download Speed Dreams A Fork of The Famous open Racing Car Simulator</a></p> BargainBiblehttp://www.blogger.com/profile/01605274048362358186noreply@blogger.com1tag:blogger.com,1999:blog-1505447801179802787.post-20016793867217424232016-03-05T08:12:00.001+00:002016-03-05T08:12:14.380+00:00Morocco: Luxury Beach & City Escapes, up to 58% Off<!--[if gte mso 9]> <style type="text/css"> .outlook-ul { padding: 0 !important; margin: 0 0 0 30px !important; } .outlook-ul li { padding: 0 !important; margin: 0 0 10px 0 !important; } .outlook { padding: 0 !important; margin: 0 0 0 30px !important; } .outlook li { padding: 0 !important; margin: 0 0 10px 0 !important; } </style> <![endif]--> <div style="display:none!important;mso-hide:all;visibility:hidden;line-height:0;font-size:0;text-align:center;color:#cccccc;">Tours & holidays to Marrakesh, Essaouira, the Sahara Desert, Fez & More | </div> <table cellpadding="0" cellspacing="0" width="100%" border="0" bgcolor="#fffffe" id="bodyTable"> <tr> <td width="15" style="line-height: 0; font-size: 1px;" class="content-padding"> </td> <td> <!-- Outlook and Lotus Notes don't support max-width, so force fixed width --> <!--[if (gte mso 9)|(IE)]> <table width="600" align="center" cellpadding="0" cellspacing="0" border="0"> <tr> <td> <![endif]--> <table cellpadding="0" cellspacing="0" width="100%" border="0" align="center" style="min-width: 300px; max-width: 600px; margin-left: auto; margin-right: auto;" class="rsp-table"> <tr><td height="20" style="line-height: 0; font-size: 1px;" class="header-padding"> </td></tr> <!-- START LOGO + HEADER --> <tr> <td> <table cellpadding="0" cellspacing="0" border="0" align="right" class="mobile-hide-640"> <tr> <td align="right" height="38" nowrap="nowrap" style="padding-bottom: 2px; font-family: Arial, sans-serif; font-size: 11px; color: #999999;">05 MARCH 2016</td> </tr> </table> <table cellpadding="0" cellspacing="0" border="0" align="left" class="header-logo"> <tr> <td style="padding-top: 3px; padding-right: 12px; padding-bottom: 5px;"><a style="font-family: Arial, sans-serif; font-size: 18px; color: #0555AF; text-decoration: none;" href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/" target="_blank"><img alt="Travelzoo" src="https://ssl.tzoo-img.com/images/tzoo_logo_email_136x32@2x.png" border="0" width="136" height="32" style="display: block;"></a></td> </tr> </table> <!-- START GETAWAY HEADER US/CA --> <table align="left" class="mobile-hide-640 header-title" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td nowrap="nowrap" style="color: rgb(0, 0, 1); line-height: 19px; padding-top: 9px; padding-bottom: 5px; font-family: Arial, sans-serif; font-size: 18px;"> GETAWAY </td> </tr> </tbody></table> <!--// END GETAWAY HEADER US/CA --> </td> </tr> <tr><td height="10" style="line-height: 0; font-size: 1px;" class="mobile-hide-640"> </td></tr> <tr><td height="10" style="line-height: 0; font-size: 1px; border-top: 1px solid #e5e5e5;" class="mobile-hide-640"> </td></tr> <!--// END LOGO + HEADER --> <!-- START FEATURED DEAL HEADLINE --> <tr> <td style="padding-top: 10px;" class="mobile-hide-640"> <a href="http://www.travelzoo.com/uk/l/100156765-2217163_492" target="_blank" style="font-family: Arial, sans-serif; font-size: 18px; line-height: 1.3; font-weight: bold; color: #000001; text-decoration: none;" class="rsp-featured-title">Morocco: Luxury Beach & City Escapes, up to 58% Off</a> </td> </tr> <!--// END FEATURED DEAL HEADLINE --> <!-- START FEATURED DEAL BYLINE --> <tr> <td style="padding-bottom: 7px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;" class="rsp-byline"> By Victoria Murden | Source: Various sources</td> </tr> <!--picture_section_start--> <tr> <td style="line-height: 0; font-size: 1px;"><a href="http://www.travelzoo.com/uk/l/100156765-2217163_492" target="_blank" style="display: block;"><img alt="" src="http://data.travelzoo.com/images/tzoo.26383.0.410163.MorocconDesert.jpg?v=1&width=600" border="0" width="600" style="display: block; max-width: 100%; width: 100% !important; height: auto;" class="rsp-img"></a></td> </tr> <!--picture_section_end--> <!-- START ADDITIONAL TEXT --> <tr> <td style="padding-top: 14px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #000001;" class="featured-addltext"> </td> </tr> <!--// END ADDITIONAL TEXT --> <tr> <td style="padding-top: 10px; font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #000001;" class="featured-dealbody"> <p style="margin-bottom: 1em;" >Morocco is one of Africa's most diverse countries, with Saharan dunes, high mountains and a coastline bordered by the Atlantic and Mediterranean. In the cities you'll find ancient medinas with winding streets and exotic souks, while over on the coast there are luxurious resorts and spectacular beaches aplenty.</p> <p style="margin-bottom: 1em;" >We've rounded up a selection of the best luxury city breaks, 5-star beach escapes and touring holidays, with savings of up to 58%. Here are some of our favourites:</p> <ul class="outlook" style="margin: 0; padding: 0 0 0 30px; line-height: 20px;"> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">Marrakesh: Luxury 3-night break w/flights & meals...<b> now £199pp</b></span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">Summer holiday to Agadir including hammam treatment... <b>now £239pp</b></span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">Sahara Desert adventure with a traditional Berber tent stay... <b>now £249pp </b></span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">Luxurious beach escape close to UNESCO World Heritage Site... <b>now £299pp</b></span></li> <li style="color:#0555AF;margin: 0; padding: 0 0 5px;"><span style="color: #000000">5-star holiday at Leading Hotel of the World w/private plunge pool... <b>now £859pp</b></span></li> </ul> <p style="margin-bottom: 1em;" >Travel dates vary, but all deals depart before the end of the year. Click on the link below for a full list of offers.</p> </td> </tr> <tr> <td style="padding-top: 5px;"> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td height="36" align="center" bgcolor="#0555af" background="http://data.travelzoo.com/images/button_blue_gradient_slice_40.png" style="padding-left: 15px; padding-right: 15px;" nowrap="nowrap"><a href="http://www.travelzoo.com/uk/l/100156765-2217163_492" target="_blank" style="font-size: 14px; line-height: 36px; font-family: Arial, sans-serif; font-weight: bold; color: #fffffe; text-decoration: none;">View All Deals »</a></td> </tr> </table> </td></tr> <tr><td height="20" style="border-bottom: 1px solid #e5e5e5; line-height: 0; font-size: 1px;"> </td></tr> <!--// END FEATURED DEAL INFO --> <!-- START PUBLISHER CREDITS --> <tr><td height="30" style="line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="font-family: Arial, sans-serif; font-size: 13px; line-height: 1.4; color: #999999;">Publisher: Christina Bracewell</td> </tr> <tr><td height="30" style="line-height: 0; font-size: 1px;"> </td></tr> <!--// END PUBLISHER CREDITS --> <!-- START MOBILE APPS MARCOM --> <tr><td height="20" style="border-top: 1px solid #e5e5e5; line-height: 0; font-size: 1px;"> </td></tr> <tr> <td align="center"> <table cellpadding="0" cellspacing="0" width="170" border="0" align="center" style="margin-left: auto; margin-right: auto;" class="apps-footer-img"> <tr> <td align="center"><a href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/mobile" target="_blank" style="display: block; font-family: Arial, sans-serif; color: #0555AF; font-size: 14px; text-decoration: none;"><img alt="Travelzoo mobile apps" src="http://data.travelzoo.com/images/mobileapps_email_footer_uk_500@2x.jpg" border="0" width="170" height="123" style="display: block;"></a></td> </tr> </table> <table cellpadding="0" cellspacing="0" width="100%" border="0" align="center" style="margin-left: auto; margin-right: auto;" class="apps-footer-cta"> <tr> <td align="center" style="padding-left: 10px; padding-right: 10px; padding-bottom: 20px; text-align: center;"> <table cellpadding="0" cellspacing="0" border="0" align="center" style="margin-left: auto; margin-right: auto;"> <tr> <td colspan="2" align="center" style="padding-top: 10px; padding-bottom: 10px; text-align: center;" class="apps-footer-copy"> <a href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/mobile" target="_blank" style="font-family: Arial, sans-serif; font-size: 15px; color: #000001; line-height: 23px; text-decoration: none;"> <span style="font-size: 20px; font-weight: bold;">Love our deals?</span><br> Download our free app </a> </td> </tr> <tr> <td align="center" style="padding-right: 2px;"><a href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/iphoneapp" target="_blank" style="font-family: Arial, sans-serif; color: #0555AF; font-size: 14px; text-decoration: none;"><img alt="iPhone app" src="http://data.travelzoo.com/images/button_appstore_en_120x40@2x.png" border="0" width="120" height="40" style="display: block;"></a></td> <td align="center" style="padding-left: 2px;"><a href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/androidapp" target="_blank" style="font-family: Arial, sans-serif; color: #0555AF; font-size: 14px; text-decoration: none;"><img alt="Android app" src="http://data.travelzoo.com/images/button_googlestore_en_120x40@2x.png" border="0" width="120" height="40" style="display: block;"></a></td> </tr> </table> </td> </tr> </table> </td> </tr> <!--// END MOBILE APPS MARCOM --> <!-- START FOOTER --> <tr><td height="30" style="border-top: 1px solid #e5e5e5; line-height: 0; font-size: 1px;"> </td></tr> <tr> <td style="font-family: Arial, sans-serif; font-size: 12px; line-height: 1.4; color: #999999;"> You are receiving this email because you requested a subscription to <span style="white-space: nowrap;">Travelzoo at:</span><br> <a href="mailto:bargainbibleblog.deals@blogger.com" style="color: #0555AF; text-decoration: none;">bargainbibleblog.deals@blogger.com</a><br> <br> This is not you and you're not a Travelzoo <span style="white-space: nowrap;">member yet?</span><br> <a style="color: #0555AF; text-decoration: none; white-space: nowrap;" href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/signup/Subscribe.aspx?source=_local" target="_blank">Sign up now</a><br> <br> <a style="color: #0555AF; 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Please read our <a style="color: #0555AF; text-decoration: none; white-space: nowrap;" href="http://www.travelzoo.com/uk/l/gt/100156765-2217163_492/uk/privacy/" target="_blank">Privacy and Cookie Policy</a>.<br> <br> Do not attempt to respond to this message.<br> We cannot accept electronic replies to this email.<br> Written inquiries can be sent to:<br> Travelzoo (Europe) Ltd., <span class="autoLinksGray" style="color: #999999; text-decoration: none;">Shaftesbury House, 151 Shaftesbury Avenue, <span style="white-space: nowrap;">London WC2H 8AL</span></span>. </td> </tr> <tr><td height="30" style="line-height: 0; font-size: 1px;"> </td></tr> <!--// END FOOTER --> </table> <!--[if (gte mso 9)|(IE)]> </td> </tr> </table> <![endif]--> </td> <td width="15" style="line-height: 0; font-size: 1px;" class="content-padding"> </td> </tr> </table> <img src="http://data.travelzoo.com/Hit.ashx?t=0&a=2217163&m=100156765" width="1" height="1" alt="*"> BargainBiblehttp://www.blogger.com/profile/01605274048362358186noreply@blogger.com0tag:blogger.com,1999:blog-1505447801179802787.post-80186504132697152552016-03-03T05:18:00.001+00:002016-03-03T05:18:23.645+00:00Are u attractive?, Amzn free £7, 3.3% loan, Ikea trick, no switch £300 energy save, 17 web offenders, free £212 if ur married, Mum’s Day<div style="display: none; white-space: nowrap; font-size: 15px; line-height: 0;"> </div> <!--END DELETE HERE FOR ONSITE TIP--> <div id="body_style" style="width: 100%; min-width: 100%; -webkit-text-size-adjust: none; -ms-text-size-adjust: 100%; background-color: #f0f5fb; -webkit-font-smoothing: antialiased; -height: 100%; margin: 0; padding: 0;"> <!-- WRAPPER WIDTH CHANGED IN TABLE BELOW --> <table class="main-wrap" border="0" cellspacing="0" cellpadding="0" align="center" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; min-width: 100%; padding: 0;"> <!-- replace width="760" with width="100%" --> <tbody> <!--START DELETE HERE FOR ONSITE TIP 2--> <tr> <td align="center" bgcolor="202843" style="border-collapse: collapse;"> <table class="content header full-width date-holder" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 6px 0px;"> <tbody> <tr> <td style="border-collapse: collapse;"> <!--[if gte mso 9]> <table border="0" cellspacing="0" cellpadding="0" align="center" width="760"> <tbody> <tr> <td> <![endif]--> <table border="0" cellspacing="0" cellpadding="0" align="center" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr style="color: #fff;"> <td style="border-collapse: collapse;"> <table width="100%" class="header-table" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th style="padding-left: 10px; font-weight: normal; text-align: left;" align="left"> <span style="font-family: 'Arial Bold', Arial, Helvetica, sans-serif; font-weight: bold; font-size: 12px; letter-spacing: 1px; color: #fff;">2 MAR 2016</span></th> <th class="nt-viewonlineheader" style="text-align: right; font-weight: normal;" align="right"> <span style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; color: #fff;"> Email not looking great? <a href="http://www.moneysavingexpert.com/latesttip/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=viewonlineheader&utm_content=1" style="color: #fff;"><strong>View online</strong></a></span> </th> </tr> </tbody> </table> </td> </tr> </tbody> </table> <!--[if gte mso 9]> </td> </tr> </tbody> </table> <![endif]--> </td> </tr> </tbody> </table> </td> </tr> <tr> <td style="border-collapse: collapse;"> <table width="100%" style="height: 3px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td width="20%" bgcolor="8359d5" style="line-height: 3px; font-size: 3px; border-collapse: collapse;"> </td> <td width="20%" bgcolor="3e8eed" style="line-height: 2px; font-size: 2px; border-collapse: collapse;"> </td> <td width="20%" bgcolor="1eb1c2" style="line-height: 3px; font-size: 3px; border-collapse: collapse;"> </td> <td width="20%" bgcolor="eca336" style="line-height: 3px; font-size: 3px; border-collapse: collapse;"> </td> <td width="20%" bgcolor="de4565" style="line-height: 3px; font-size: 3px; border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" bgcolor="ffffff" style="border-bottom-style: solid; border-bottom-width: 1px; border-bottom-color: #c0c3c9; padding-top: 10px; border-collapse: collapse;"> <table width="100%" class="header-links full-width" bgcolor="ffffff" cellpadding="0" cellspacing="0" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <!--[if gte mso 9]> <table border="0" cellspacing="0" cellpadding="0" align="center" width="760"> <tbody> <tr> <![endif]--> <th style="padding-left: 13px; font-weight: normal; text-align: left;" align="left"><span class="logo nt-headerlogo"><a href="http://www.moneysavingexpert.com/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-headerlogo&utm_content=1" style="color: #333; text-decoration: none;"><img width="183" height="32" src="http://images.moneysavingexpert.com/images/logo_tip_mse.png" title="" alt="" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a></span></th> <td align="right" style="border-collapse: collapse;"> <table class="hide-mobile" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td align="right" style="border-collapse: collapse;"> <table style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/credit-cards/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-cardsheader&utm_content=1" class="nt-cardsheader" style="color: #333; text-decoration: none;"><strong>CARDS</strong></a></td> <td width="13%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; min-width: 50px; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/reclaim/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-reclaimheader&utm_content=1" class="nt-reclaimheader" style="color: #333; text-decoration: none;"><strong>RECLAIM</strong></a> </td> <td width="13%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/utilities/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-utilitiesheader&utm_content=1" class="nt-utilitiesheader" style="color: #333; text-decoration: none;"><strong>UTILITIES</strong></a></td> <td width="13%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/banking/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bankingheader&utm_content=1" class="nt-bankingheader" style="color: #333; text-decoration: none;"><strong>BANKING</strong></a> </td> <td align="right" width="9%" style="font-size: 11px; line-height: 17px; color: #333; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/deals/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-dealsheader&utm_content=1" class="nt-dealsheader" style="color: #333; text-decoration: none;"><strong>DEALS</strong></a></td> </tr> </tbody> </table> </td> </tr> <tr> <td align="right" style="border-collapse: collapse;"> <table style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/travel/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-travelheader&utm_content=1" class="nt-travelheader" style="color: #333; text-decoration: none;"><strong>TRAVEL</strong></a></td> <td width="16%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/insurance/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-insuranceheader&utm_content=1" class="nt-insuranceheader" style="color: #333; text-decoration: none;"><strong>INSURANCE</strong></a> </td> <td width="18%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/mortgages/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-mortgagesheader&utm_content=1" class="nt-mortgagesheader" style="color: #333; text-decoration: none;"><strong>MORTGAGES</strong></a></td> <td width="15%" align="right" style="font-size: 11px; line-height: 17px; color: #333; padding-right: 5px; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/shopping/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-shoppingheader&utm_content=1" class="nt-shoppingheader" style="color: #333; text-decoration: none;"><strong>SHOPPING</strong></a></td> <td width="10%" align="right" style="font-size: 11px; line-height: 17px; color: #333; font-family: Arial, Helvetica, sans-serif; border-collapse: collapse;"><a href="http://www.moneysavingexpert.com/family/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-incomeheader&utm_content=1" class="nt-incomeheader" style="color: #333; text-decoration: none;"><strong>INCOME</strong></a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> <td align="right" width="30px" class="img-hide-mobile" style="border-collapse: collapse;"> <a href="http://www.moneysavingexpert.com/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-martinheader&utm_content=1" class="nt-martinheader" style="color: #333; text-decoration: none;"><img src="http://images.moneysavingexpert.com/images/martin.png" alt="" width="44" height="53" class="img-hide-mobile" title="" style="display: block; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a> </td> <!--[if gte mso 9]> </tr> </tbody> </table> <![endif]--> </tr> </tbody> </table> </td> </tr> <!--END DELETE HERE FOR ONSITE TIP--> <tr> <td height="5" style="font-size: 8px; border-collapse: collapse;"> </td> </tr> <tr> <td style="border-collapse: collapse;"> <!--[if gte mso 9]> <table border="0" cellspacing="0" cellpadding="0" align="center" width="760"> <tbody> <tr> <td> <![endif]--> <table border="0" cellspacing="0" cellpadding="0" align="center" width="100%" class="secondary-wrap" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; min-width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td style="border-collapse: collapse;"> <table class="content full-width" width="100%" align="center" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th valign="top" class="two-col" style="padding-right: 15px; font-weight: normal; text-align: left; max-width: 100% !important; vertical-align: top !important;" width="36%" align="left"> <table style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: white; margin: 0 auto; padding: 17px 13px; border: 1px solid #d8dff2;" bgcolor="white"> <tbody> <tr> <td style="border-collapse: collapse;"> <table class="highlights-table nt-highlights" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto 0 0; padding: 0;"> <tbody> <tr> <td class="highlights-title" style="border-collapse: collapse; font-family: 'Arial Bold',Arial,sans-serif; font-size: 13px; line-height: 1em; color: #4f6084; padding-bottom: 7px; margin-bottom: 5px;"> <strong>THE TOP TIPS IN THIS EMAIL</strong> </td> </tr> <!--START DELETE HERE FOR ONSITE TIP 3--> <tr> <td class="highlights-text nt-viewonlinebutton" style="color: #516185; padding-top: 3px; font-size: 12px; border-collapse: collapse; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"> <em style="font-family: Arial, Helvetica, sans-serif;">Menu links don't work in some email readers. If a problem, <a href="http://www.moneysavingexpert.com/latesttip/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=viewonlineheader&utm_content=14" style="color: #0047D9; text-decoration: none;">view online</a></em> </td> </tr> <!--END DELETE HERE FOR ONSITE TIP--> <tr class="hide-desktop" style="display: none;"> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#hiya" style="color: #0047D9; text-decoration: none;"><strong style="color: #2e325c;">Martin's Briefing:</strong><font style="color: #0047D9;"> Are YOU financially attractive?</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#energy" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Easy way to save £300/yr on energy without switching</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#shops" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Revealed: 13 major shops' WRONG return rights</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#cheaploan" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Cheapest-EVER 3.3% loan</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#amazon" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">'Free' £7 Amazon code</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#marriage" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Are you married? Free £212</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#mothersday" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Mother's Day deals incl free card</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#habitat" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Habitat 25% off FLASH sale</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#bestbefore" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">EXTRA 10% off beyond best-befores</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#spring" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">425 spring bulbs £10 all-in</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#spa" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">£10 off £25 at 1,000s of salons/spas</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#ikea" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">How to play Ikea's free prize draw</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text"><a href="#winter" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">FREE £15 winter car check</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; padding-bottom: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;" class="highlights-text last"><a href="#savings" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">New personal savings allowance means LESS interest may win</font></a></td> </tr> <tr> <td class="highlights-empty hide-mobile" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr class="hide-mobile"> <td class="nt-bestBuys-quicklinks" style="border-collapse: collapse;"> <table width="100%" class="bestBuys-quicklinks" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th style="font-weight: normal; text-align: left;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>BEST BUYS & TOOLS</strong></span></th> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=1" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">0% Balance Transfers</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/car-insurance/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=2" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Cheap Car Insurance</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/banking/compare-best-bank-accounts?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=3" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Best Bank Accounts</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/savings/savings-accounts-best-interest?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=4" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Top Savings Accounts</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/cheapenergyclub?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=5" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Cheap Energy Club</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="https://www.moneysavingexpert.com/eligibility/credit-cards/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=6" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Credit Card Eligibility Calc</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="https://www.moneysavingexpert.com/eligibility/loans-calculator/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=7" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Loans Eligibility Calc</font></a></td> </tr> <tr> <td style="border-bottom-width: 1px; border-bottom-color: #c5d1e9; border-bottom-style: solid; border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="https://www.moneysavingexpert.com/mortgages/best-buys/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=8" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Mortgage Comparison</font></a></td> </tr> <tr> <td style="border-collapse: collapse; font-size: 13px; padding-top: 8px; font-family: 'Arial', Arial, Helvetica, sans-serif; line-height: 17px;"><a href="http://www.moneysavingexpert.com/site/resolver?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuys-quicklinks-one&utm_content=9" style="color: #0047D9; text-decoration: none;"><font style="color: #0047D9;">Free online complaints tool - Resolver</font></a></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </th> <th valign="top" class="two-col" width="64%" style="font-weight: normal; text-align: left; max-width: 100% !important; vertical-align: top !important;" align="left"> <table class="full-width note white-row" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #fff; margin: 0 auto; padding: 17px 17px 0px; border: 1px solid #dee4ef;" width="100%" bgcolor="#fff"> <tbody> <tr> <td class="hiya nt-hiya" style="padding-bottom: 0; border-collapse: collapse; max-width: 760px;"> <p style="font-size: 11px; font-family: Arial, Helvetica, sans-serif; display: block; text-align: center; color: #000000; line-height: 14px; margin: 0 0 10px; padding: 0;" align="center"><span style="text-transform: uppercase;">Martin's Weekly Briefing:</span> For more tips, alerts & puns, follow <a href="https://twitter.com/martinslewis" style="color: #0047D9; text-decoration: none;">Martin on Twitter</a></p> <h2 style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; margin-top: 0px; margin-bottom: 0px; line-height: 100%; font-weight: bold; font-size: 20px; text-align: center;" align="center"> <a name="hiya" id="hiya" style="color: #0047D9; text-decoration: none;"></a> <a class="headline" href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=1" style="color: #0047D9; text-decoration: none;">Are YOU financially attractive?</a></h2> <p class="subline" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; text-align: center; margin: 0; padding: 0;" align="center"><a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=2" style="color: #000000; text-decoration: none; font-style: normal; font-variant: normal; font-weight: normal; font-size: 13px; line-height: normal; font-family: 'Arial Bold', Arial, Helvetica, sans-serif; margin: 0;"><strong>- Test whether your credit history is good enough to turn lenders on<br /> - Not just mortgages & loans; it's energy, mobiles & insurance too<br /> - 35 tips to rouge up and make your credit file look better</strong></a><br /> </p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"> I'm writing this because I was shocked... at you, yes you, most of you should hang your heads. In our Jan poll, only 28% had checked their credit file in the last year, and 53% hadn't in 10yrs. This is potentially damaging to your finances - just one error in those files could kibosh them. <br /> <br /> The impact of credit files has grown enormously; for mortgages, loans & cards, it's no longer just will you get 'em, but what rate will you get. And these days your file can affect your acceptance for energy, mobiles & car insurance too.<br /> <br /> So managing your creditworthiness is crucial, but it's art not science. Just like going on the pull, different lenders like different things; but some things get most going. Full info in my <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=3" style="color: #0047D9; text-decoration: none;">35 Credit Score Boosters</a>, here are the BIG 5...</p> <table class="topTen" border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; width: 100%; margin: 0 auto 0 0; padding: 0;"> <tbody> <tr> <td class="numbers" valign="top" width="4%" style="border-collapse: collapse; color: #777777; font-family: Arial, Times New Roman, Times, serif; font-size: 13px; font-weight: bold; text-align: center;" align="center">1.</td> <td width="96%" style="border-collapse: collapse;"><strong>How attractive are you? Free test. </strong>You don't have a universal credit rating in the UK, each lender scores you differently. You may be surprised by this, especially if you've paid to see your 'credit score' (that's at best just a loose indication, missing crucial affordability data; do read my <a href="http://www.moneysavingexpert.com/loans/what-credit-scores-mean?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=4" style="color: #0047D9; text-decoration: none;">don't fall for the credit-score hype</a> guide).<br /> <br /> In the real world, what counts is whether you'll actually be accepted for products. While it's not what they're designed for, an easy way to test this is to take 1min to use our <a href="https://www.moneysavingexpert.com/eligibility/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=5" style="color: #0047D9; text-decoration: none;">free eligibility calcs</a> which show your % acceptance odds for lots of products. Do well, and you're tangibly attractive to lenders. <br /><br /> <p align="center" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><strong><span class="purple" style="color: #911c57;">Eligibility Calculators for ...</span></strong><br /> <a href="https://creditcards.moneysavingexpert.com/?balance-transfer" style="color: #0047D9; text-decoration: none;">0% Balance Transfers</a> | <a href="https://www.moneysavingexpert.com/eligibility/loans-calculator/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=6" style="color: #0047D9; text-decoration: none;">Cheap Loans</a> | <a href="https://creditcards.moneysavingexpert.com/?cashback" style="color: #0047D9; text-decoration: none;">Cashback Credit Cards</a> | <a href="https://creditcards.moneysavingexpert.com/?purchases" style="color: #0047D9; text-decoration: none;">0% Spending </a><a href="https://creditcards.moneysavingexpert.com/?travel" style="color: #0047D9; text-decoration: none;"> | Cheap Spending Abroad</a> <a href="https://creditcards.moneysavingexpert.com/?bad-credit" style="color: #0047D9; text-decoration: none;"> | Credit Rebuild Cards</a> </p> <br /> These calculators' primary purpose is to let you home in on a top deal without hitting your file, eg, as Kelly emailed: <em class="purple" style="font-family: Arial, Helvetica, sans-serif; color: #911c57;">"Legend. Used the balance transfer eligibility calc and got 35mths 0%, shifted £11,500 from up to 29.9% APR. I'm in shock thinking of the saving [£4,600 in interest]."</em><br /><br /> <em style="font-family: Arial, Helvetica, sans-serif;">Will this affect my credit history?</em> No. Unlike applying which leaves a mark, our eligibility calcs use a soft search so while you see it on your file, lenders don't. The same's true when you check your credit file.</td> </tr> <tr> <td height="18" style="border-collapse: collapse;"></td> <td style="border-collapse: collapse;"></td> </tr> <tr> <td class="numbers" valign="top" width="4%" style="border-collapse: collapse; color: #777777; font-family: Arial, Times New Roman, Times, serif; font-size: 13px; font-weight: bold; text-align: center;" align="center">2.</td> <td width="96%" style="border-collapse: collapse;"><strong>Check your credit file annually and before important applications. </strong>There are three main credit reference agencies: Experian, Equifax and Callcredit.<br /> <br /> Best practice is check them ALL at least once a year; if not do the two big ones (Experian & Equifax). You've a legal right to check them for £2, but find how to <a href="http://www.moneysavingexpert.com/loans/check-free-credit-report?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=7" style="color: #0047D9; text-decoration: none;">check your files for FREE or even be paid up to £9</a>. <br /> <br /> Once you get it, check line-by-line for errors. If you don't, and there is a mistake, you may be rejected. And if you keep applying elsewhere after that, even once you fix the error, then having so many applications on your form could still mean rejection. So act sooner. </td> </tr> <tr> <td height="18" style="border-collapse: collapse;"></td> <td style="border-collapse: collapse;"></td> </tr> <tr> <td class="numbers" valign="top" width="4%" style="border-collapse: collapse; color: #777777; font-family: Arial, Times New Roman, Times, serif; font-size: 13px; font-weight: bold; text-align: center;" align="center">3.</td> <td style="border-collapse: collapse;"><strong><a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=8" style="color: #0047D9; text-decoration: none;"><img src="http://images.moneysavingexpert.com/images/martin-drag-tip-3x.png" alt="Credit score" width="175" height="160" align="right" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a>10 ways to rouge up your credit appeal. </strong>Here are the key cosmetic changes to make yourself more attractive to lenders. Full info in <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=9" style="color: #0047D9; text-decoration: none;">35 credit boosting tips</a>.<br /> <br /> a) <em style="font-family: Arial, Helvetica, sans-serif;">Get on the electoral roll. </em>If not, getting credit's tougher, as it can cause ID and tracing issues. If you're worried about junk mail, just opt out of the 'open' register. See full <a href="http://www.moneysavingexpert.com/family/electoral-roll-changes?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=10" style="color: #0047D9; text-decoration: none;">electoral roll help</a>. <br /><br /><em style="font-family: Arial, Helvetica, sans-serif;">b) Time it right.</em> Applications stay on files a year, bad stuff (like defaults & CCJs) six years. So if they'll lapse soon, wait before applying. Plus avoid lots of applications in a short space of time. <br /> <br /> c) <em style="font-family: Arial, Helvetica, sans-serif;">Be accurate about your income. </em>Lenders may verify this, and if it's wrong, you may be auto-declined.<br /><br /> <em style="font-family: Arial, Helvetica, sans-serif;">d) Beware joint mortgages, loans & bank accounts.</em> If your credit file is linked to someone else, lenders can see their history when you're assessed, so be careful if they've a bad history. Linking isn't about whether you snog or live together, it's simply from joint mortgages, loans, bank accounts and sometimes utility bills. Related: <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=11#split" style="color: #0047D9; text-decoration: none;">how to delink your finances</a>. <br /> <br /> <em style="font-family: Arial, Helvetica, sans-serif;">e) Don't withdraw cash on credit cards. </em>It's expensive & lenders see it as evidence of poor money management. See <a href="http://www.moneysavingexpert.com/travel/withdrawing-cash-abroad-credit-record?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=12" style="color: #0047D9; text-decoration: none;">Is it different for special overseas cards?</a><br /> <br /> <em style="font-family: Arial, Helvetica, sans-serif;">f) Never miss or be late on repayments. </em>Use a direct debit to be sure, even if just for the minimum (then you can repay more on top).<br /> <br /> <em style="font-family: Arial, Helvetica, sans-serif;">g) Check for address errors. </em>Sounds trivial but isn't. An old, technically active but unused mobile registered to your old address, has been known to trigger a mortgage rejection.<em style="font-family: Arial, Helvetica, sans-serif;"><br /> <br /> h) Beware payday loans, they kill mortgage applications.</em> Some mortgage underwriters simply won't lend to anyone who's had one. See our free <a href="http://www.moneysavingexpert.com/mortgages/mortgage-guide?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=13" style="color: #0047D9; text-decoration: none;">First-Time Buyers'</a> or <a href="http://www.moneysavingexpert.com/mortgages/remortgage-guide?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=14" style="color: #0047D9; text-decoration: none;">Remortgage</a> Booklets for more help<em style="font-family: Arial, Helvetica, sans-serif;">.</em> <br /><br /><em style="font-family: Arial, Helvetica, sans-serif;">i) Be consistent. </em>Fraud scoring is credit scoring's secret cousin. If you've a couple of mobiles or job titles, use the same one every time you apply or it can be flagged up as odd. See <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=15#fraudscore" style="color: #0047D9; text-decoration: none;">fraud scoring</a> info.<br /><br /> j) <em style="font-family: Arial, Helvetica, sans-serif;">Get unfair defaults removed. </em>If there's one on your file (eg, you didn't pay a catalogue loan as it failed to deliver the goods), get it removed or it can be a killer. For how see <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=16#fight" target="_blank" style="color: #0047D9; text-decoration: none;">remove unfair defaults help</a>, and even if it's fair, see how to <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=17#mitigate" style="color: #0047D9; text-decoration: none;">mitigate the damage from defaults</a>.</td> </tr> <tr> <td height="18" style="border-collapse: collapse;"></td> <td style="border-collapse: collapse;"></td> </tr> <tr> <td class="numbers" valign="top" style="border-collapse: collapse; color: #777777; font-family: Arial, Times New Roman, Times, serif; font-size: 13px; font-weight: bold; text-align: center;" align="center">4.</td> <td style="border-collapse: collapse;"><strong>To get credit, you need credit. </strong>Would you lend to someone you knew nowt about? How about someone who's not repaid others in the past? No, and nor will lenders. <br /> <br /> Credit scoring predicts your future behaviour based on your past. So no credit history, or one that makes you look a bad credit citizen, usually means rejection.<br /> <br /> The bizarre solution is to get a credit card, do £50-£100/mth of normal spending (never withdraw cash) & repay <strong><span class="purple" style="color: #911c57;">IN FULL</span></strong> each month to avoid interest. The safest way is via direct debit so you're never late. After 6mths to a year, you'll start to gain a history as a good credit citizen.<br /> <br /> The catch-22 is how to get accepted if you've poor credit. The solution's specialist credit (re)build cards, and our<a href="https://creditcards.moneysavingexpert.com/?bad-credit" style="color: #0047D9; text-decoration: none;"> eligibility calc</a> shows which you're most likely to get. The two top picks are...<br /> <br /> - <a href="http://www.moneysavingexpert.com/redir/28037b09?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=18" target="_blank" style="color: #0047D9; text-decoration: none;">Aqua Advance*</a> which gives a £20 Amazon voucher after 2 months.<br /> - <a href="http://www.moneysavingexpert.com/redir/018c65f8?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=19" target="_blank" style="color: #0047D9; text-decoration: none;">Aqua Reward *</a> which gives 0.5% cashback. <br /> <br /> Both these are a horrid <u>34.9%</u> rep APR if you don't repay in full, so make sure you do. If you can't get these, the last resort is the <a href="http://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=20#creditimp" target="_blank" style="color: #0047D9; text-decoration: none;">Credit Improver</a> package, which costs £4/mth.</td> </tr> <tr> <td height="18" style="border-collapse: collapse;"></td> <td style="border-collapse: collapse;"></td> </tr> <tr> <td class="numbers" valign="top" style="border-collapse: collapse; color: #777777; font-family: Arial, Times New Roman, Times, serif; font-size: 13px; font-weight: bold; text-align: center;" align="center">5.</td> <td style="border-collapse: collapse;"><strong>What do they actually know about you? </strong>Lenders' info comes from three sources - and they plug in all of these to score you:<br /> <br /> (i) Your application form tells them crucial 'affordability info' and more.<br /> (ii) Any past dealings you've had with them. So a lender you've banked with has more info on you - sometimes good, sometimes not.<br /> (iii) Your credit reference files, which include electoral roll info, products you have, court judgments & more.<br /> <br /> As for whether they know if you've speeding points, a criminal record and more, see our full list of <a href="http://www.moneysavingexpert.com/loans/credit-rating-credit-score?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=21#lenders" style="color: #0047D9; text-decoration: none;">what they really know about you</a>. </td> </tr> <tr> <td height="18" style="border-collapse: collapse;"></td> <td style="border-collapse: collapse;"></td> </tr> </tbody> </table> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>PS: Are you due £100s back from Experian's CreditExpert? </strong>If you paid for Experian's £15/mth credit monitoring service from 2011 to 2014, you may have been unfairly sold part of it. Our <a href="http://www.moneysavingexpert.com/reclaim/experian-creditexpert-reclaiming?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-hiya&utm_content=22" style="color: #0047D9; text-decoration: none;">Credit Expert Reclaiming</a> guide shows how to get the cash back, as Dee did: <em class="purple" style="font-family: Arial, Helvetica, sans-serif; color: #911c57;">"I sent Experian the template letter and received a payment of £243.59."</em></p> </td> </tr> </tbody> </table> </th> </tr> </tbody> </table> </td> </tr> <tr class="hide-mobile"> <td height="10" style="font-size: 10px; border-collapse: collapse;"> </td> </tr> <tr> <td height="10" style="font-size: 10px; border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr> <td align="center" colspan="3" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table class="center border-white nt-forwardfriends" style="max-width: 760px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; text-align: center; width: 100%; background-color: #F0F4FB; margin: 0 auto; padding: 15px; border: 1px solid #fff;" width="100%" bgcolor="#F0F4FB"> <tbody> <tr> <td style="border-collapse: collapse;"> <span class="saved-cash-header" style="color: #2e325c; font-size: 16px; line-height: 100%; font-weight: bold; font-family: 'Arial Bold', Helvetica, sans-serif; margin: 0;">Spread the (MoneySaving) love.</span> <p class="last" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;">If this email's ever helped you, please forward it to friends and suggest they get it via <a href="http://moneysavingexpert.com/tips?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-forwardfriends&utm_content=1" style="color: #0047D9;">moneysavingexpert.com/tips</a>.</p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" height="15" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr> <td align="center" colspan="3" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table width="100%" cellpadding="0" cellspacing="0" style="max-width: 760px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: #F0F4FB; margin: 0 auto; padding: 15px; border: 1px solid #fff;" class="border-white nt-moneymantras" bgcolor="#F0F4FB"> <tbody> <tr> <th align="center" width="40%" class="module-third mantras-text" valign="middle" style="text-align: right; font-weight: normal; padding: 10px;"><a href="http://www.moneysavingexpert.com/shopping/money-mantras?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymantras&utm_content=1" style="color: #0047D9; text-decoration: none;"><img src="http://images.moneysavingexpert.com/images/money-mantra-text.png" title="" alt="" height="60" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a></th> <th align="center" width="30%" class="module-third" valign="middle" style="font-weight: normal; text-align: left; padding: 10px;"><a href="http://www.moneysavingexpert.com/shopping/money-mantras?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymantras&utm_content=2" style="color: #0047D9; text-decoration: none;"><img src="http://images.moneysavingexpert.com/images/skint.png" alt="" width="178" height="77" title="" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a></th> <th align="center" width="30%" class="module-third" valign="middle" style="font-weight: normal; text-align: left; padding: 10px;"><a href="http://www.moneysavingexpert.com/shopping/money-mantras?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymantras&utm_content=3" style="color: #0047D9; text-decoration: none;"><img src="http://images.moneysavingexpert.com/images/not_skint.png" alt="" width="178" height="77" title="" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a></th> </tr> </tbody> </table> </td> </tr> <tr> <td height="15" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr class="hide-mobile"> <td align="center" class="full-width" style="border-collapse: collapse; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-width: 1px; border-top-color: #dee4ef; border-top-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #ffffff; margin: 0 auto; padding: 0;" class="full-width" height="20" bgcolor="#ffffff"> <tbody> <tr> <td style="border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #ffffff; margin: 0 auto; padding: 0;" align="center" width="100%" bgcolor="#ffffff"> <tbody> <tr> <td class="bignote1 note nt-bignote" style="border-collapse: collapse; background-color: #ffffff; padding: 5px 17px 0px;" bgcolor="#ffffff"> <h2 style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif !important; margin-top: 0 !important; margin-bottom: 0px; line-height: 100%; font-weight: bold; font-size: 20px; text-align: center;" align="center"><a name="energy" id="energy" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/utilities/you-switch-gas-electricity?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=1#hop" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; color: #0047D9; text-decoration: none;">Easy way to save £300/yr on energy WITHOUT SWITCHING </a></h2> <p class="subline" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; text-align: center; margin: 0; padding: 0;" align="center"><a href="http://www.moneysavingexpert.com/utilities/you-switch-gas-electricity?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=2#hop" style="color: #000000; text-decoration: none; font-style: normal; font-variant: normal; font-weight: normal; font-size: 13px; line-height: normal; font-family: 'Arial Bold', Arial, Helvetica, sans-serif; margin: 0;"><strong>If you think switching is too much hassle (it isn't but hey ho) just move to YOUR current provider's cheapest deal</strong></a></p> <br/> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;">We've nagged, begged, cajoled & arranged special tariffs, and 100,000s have switched and saved over £60 million this winter. Yet for those who've not checked if they're being ripped off, or refuse to switch (as many users report elderly parents especially tell them) this is our last-ditch trick... just change tariff with your same provider.</p> <ul style="padding-left: 20px; list-style-type: disc;"> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>BEST PRACTICE: Do a 5min comparison, save £100+, grab £30 cashback. </strong> A final nag: if you're one of the 70% on a standard tariff you're MASSIVELY overpaying. Do our 5min <a href="https://cheapenergyclub.moneysavingexpert.com/register?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=3" style="color: #0047D9;">Cheap Energy Club Comparison</a>; it'll find your cheapest, show what you can save, and give you £30 dual fuel cashback if we can switch you.</p> </li> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>IF YOU WON'T SWITCH. Find your provider's cheapest tariff.</strong> Bizarrely, even though it's the same gas, the same electricity, each energy firm charges a range of rates for using it. And no surprise Sherlock, it's the 'standard tariffs' that most people are on which are by far the most costly. They usually shift across at speed.</p> </li> </ul> <table align="center" class="resp-table" style="border-collapse: collapse; border-spacing: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; margin: 5px auto 0; padding: 0;" cellpadding="8"> <thead> <tr> <td colspan="3" align="center" style="color: #FFF; border-collapse: collapse; background-color: #ff7802; padding: 5px;" bgcolor="#ff7802"> <p style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 15px; line-height: 16px; letter-spacing: 1.2px; text-transform: uppercase; display: block; font-weight: bold; margin: 0; padding: 0;"> how much CAN you save without moving firm?</p> </td> </tr> </thead> <tbody> <tr> <td colspan="3" align="center" style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; background-color: #fef3ea; padding: 5px; border: 1px solid #e5e5e5;" bgcolor="#fef3ea"><span style="font-size: 13px; color: #000000;"><strong>Prices below based on dual fuel typical usage (1). Find YOUR cheapest via a <a href="https://cheapenergyclub.moneysavingexpert.com/register?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=4" style="font-size: 14px !important; line-height: 14px !important; color: #0047D9;">quick comparison</a>.</strong></span></td> </tr> <tr> <th width="32%" style="text-align: center; font-weight: normal; font-family: Arial, Helvetica, sans-serif; color: #333; font-size: 10px; text-transform: uppercase; background-color: #ffffff; padding: 4px; border: 1px solid #e5e5e5;" align="center" bgcolor="#ffffff"><strong>Supplier</strong></th> <th width="34%" style="text-align: center; font-weight: normal; font-family: Arial, Helvetica, sans-serif; color: #333; font-size: 10px; text-transform: uppercase; background-color: #ffffff; padding: 4px; border: 1px solid #e5e5e5;" align="center" bgcolor="#ffffff"><strong>Supplier's standard tariff - which 70% of people are on</strong></th> <th width="34%" style="text-align: center; font-weight: normal; font-family: Arial, Helvetica, sans-serif; color: #333; font-size: 10px; text-transform: uppercase; background-color: #ffffff; padding: 4px; border: 1px solid #e5e5e5;" align="center" bgcolor="#ffffff"><strong>Supplier's cheapest tariff</strong></th> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> First Utility</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;">£1,047/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £753/yr<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;"> (saving £295)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> Npower </td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,110/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £765/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £345)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> Scottish Power </td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,070/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £806/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £265)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> Ovo Energy</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,004/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;">£823/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £180)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> EDF</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;">£1,100/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £825/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £275)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> SSE</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,101/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £979/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £120)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> E.on </td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,047/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,015/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £30)</em></td> </tr> <tr> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> British Gas</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,075/yr</td> <td style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;"> £1,044/yr (<em style="font-family: Arial, Helvetica, sans-serif; font-size: 12px;">saving £30)</em></td> </tr> <tr> <td colspan="3" align="center" style="border-collapse: collapse; font-family: Arial, Helvetica, sans-serif; font-size: 12px; padding: 4px; border: 1px solid #e5e5e5;">(1) Ofgem defined. Assumes monthly direct debit, varies by region. 12,500 kWh gas and 3,100 kWh elec over a year. </td> </tr> </tbody> </table> <br /> <ul style="padding-left: 20px; list-style-type: disc;"> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>How to find YOUR SUPPLIER'S cheapest tariff. </strong>(It's also worth noting if your current deal has exit penalties most providers barring sometimes SSE, First Utility & Ovo don't charge for internal tariff changes.)<br /> <br /> 1) <em style="font-family: Arial, Helvetica, sans-serif;">Go via Cheap Energy Club for £30 cashback. </em>Use our <a href="https://cheapenergyclub.moneysavingexpert.com/register?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=5" style="color: #0047D9;">comparison</a> then scroll through results to find your supplier's EXACT cheapest. For many (not all) above, you can switch there and you get £30 dual fuel cashback.<br /> <em style="font-family: Arial, Helvetica, sans-serif;"><br /> 2) Scan through our suppliers' cheapest tariffs list. </em> We've compiled details of each <a href="http://www.moneysavingexpert.com/utilities/you-switch-gas-electricity?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-one&utm_content=6#hop" style="color: #0047D9;">supplier's cheapest tariffs</a> though it is based on average usage and there can be regional variation. Then you can just call up and ask for it. </p> </li> </ul> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" class="empty-height" height="15" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr class="onsite-tipbox"> <td align="center" style="border-collapse: collapse;"> <table class="module-oneliner full-width " style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-style: solid; border-right-color: #dee4ef; border-right-width: 1px; border-top-style: solid; border-top-color: #dee4ef; border-top-width: 1px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FEFEF1; margin: 0 auto; padding: 19px 17px 0px;" align="center" width="100%" bgcolor="#FEFEF1"> <tbody> <tr> <td class="nt-oneliners" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><a name="amazon" id="amazon" style="color: #0047D9;"></a><a href="http://www.moneysavingexpert.com/deals/amazon?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=1#amazonfree7" class="oneliner" style="color: #0047D9; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><strong><span class="red" style="color: #b31717;">Ends Sun:</span> 'Free' £7 Amazon code.</strong></a> Provided you haven't bought a gift card from it in the last 2yrs. <a href="http://www.moneysavingexpert.com/deals/amazon?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=2#amazonfree7" style="color: #0047D9;">Amazon £7</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="marriage" id="marriage" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/family/marriage-tax-allowance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=3" style="color: #0047D9; text-decoration: none;"><strong>Are you married? Here's a free £212 - but hurry.</strong></a></span> If you're married or a civil partner, one of you pays basic 20% tax and the other's a non-taxpayer (ie, earns sub-£10,600), you're due a tax rebate. Go quick for this tax year. <a href="http://www.moneysavingexpert.com/family/marriage-tax-allowance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=4" style="color: #0047D9;">Claim £212</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="mothersday" id="mothersday" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/mothers-day?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=5" style="color: #0047D9; text-decoration: none;"><strong>Mother's Day deals: free card, £3 flowers, restaurant deals, £18 Hugo Boss perfume.</strong></a></span> See <a href="http://www.moneysavingexpert.com/deals/mothers-day?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=6" style="color: #0047D9;">Mother's Day</a>.</p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="habitat" id="habitat" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/habitat?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=7#habitat25" style="color: #0047D9; text-decoration: none;"><strong>Habitat 25% off almost everything 1day FLASH sale.</strong></a></span> Starts Wed 7pm. Online and in stores. <a href="http://www.moneysavingexpert.com/deals/habitat?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=8#habitat25" style="color: #0047D9;">Habitat sale</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="bestbefore" id="bestbefore" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/approved-foods?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=9#approved10" style="color: #0047D9; text-decoration: none;"><strong>EXTRA 10% off discounted beyond best-before-date foods, eg, Loyd Grossman sauce 19p.</strong><em class="mseblagged" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; color: #00A3D9;"> MSE Blagged.</em></a></span> 'Use-by' is a health warning, 'best before' just a manufacturer's optimum quality view. One online store specialises in selling at or near best-before goods at big discounts (min spend £17.50, deliv £5.99). We've a code... <a href="http://www.moneysavingexpert.com/deals/approved-foods?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-one&utm_content=10#approved10" style="color: #0047D9;">Approved Food</a></p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="note-footer full-width" style="border-collapse: collapse; border-top-style: none; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FEFEF1; margin: 0 auto; padding: 0;" class="full-width" bgcolor="#FEFEF1"> <tbody> <tr> <td height="15" align="right" style="font-size: 5px; line-height: 5px; border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td height="15" style="mso-hide: all; border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse; background-color: #dee4f0;" bgcolor="#dee4f0"> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="full-width" align="center" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th class="fluidcolumn small-text nt-blaggedformse border-white" valign="top" style="width: 48%; vertical-align: top; font-weight: normal; text-align: left; max-width: 100% !important; border-collapse: separate; min-height: 112px; background-color: #F0F5FB; padding: 20px 3px 13px 17px; border: 1px solid #ffffff;" align="left" bgcolor="#F0F5FB"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>BLAGGED FOR MSE</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"> - <a href="http://www.moneysavingexpert.com/deals/approved-foods?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-blaggedformse&utm_content=1#approved10" style="color: #0047D9; text-decoration: none;">10% off Approved Food via code.</a> <em style="font-family: Arial, Helvetica, sans-serif;">Ends Sat</em> </p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"> - <a href="http://www.moneysavingexpert.com/deals/thompson-and-morgan?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-blaggedformse&utm_content=2#425bulbs" style="color: #0047D9; text-decoration: none;">425 spring bulbs £10 all-in.</a> <em style="font-family: Arial, Helvetica, sans-serif;">Ends Fri</em> </p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"> - <a href="http://www.moneysavingexpert.com/deals/thorntons?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-blaggedformse&utm_content=3#thorntons5" style="color: #0047D9; text-decoration: none;">Thorntons £5 off £25 in store & online.</a> <em style="font-family: Arial, Helvetica, sans-serif;">Ends Sun</em> </p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"> - <a href="http://www.moneysavingexpert.com/deals/mothers-day?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-blaggedformse&utm_content=4#treatwellspa" style="color: #0047D9; text-decoration: none;">£10 off £25 at Treatwell (formerly Wahanda).</a> <em style="font-family: Arial, Helvetica, sans-serif;">Limited codes</em> </p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"> - <a href="http://www.moneysavingexpert.com/deals/holland-and-barrett?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-blaggedformse&utm_content=5#hb15freedel" style="color: #0047D9; text-decoration: none;">15% off Holland & Barrett plus free del.</a> <em style="font-family: Arial, Helvetica, sans-serif;">Ends Mon</em> </p> </th> <th style="border-bottom-width: 1px; border-bottom-color: #dee4f0; border-bottom-style: solid; font-weight: normal; text-align: left; max-width: 100% !important;" class="fluidcolumn empty" width="14" align="left"></th> <th class="fluidcolumn small-text nt-didyoumiss border-white" valign="top" style="width: 48%; vertical-align: top; font-weight: normal; text-align: left; max-width: 100% !important; border-collapse: separate; min-height: 112px; background-color: #F0F5FB; padding: 20px 3px 13px 17px; border: 1px solid #ffffff;" align="left" bgcolor="#F0F5FB"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>DID YOU MISS?</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0 2px 0 0;" align="left">- <a href="http://www.moneysavingexpert.com/deals/supermarket-coupons?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-didyoumiss&utm_content=6" style="color: #0047D9; text-decoration: none;">150 supermarket coupons worth £150+</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0 2px 0 0;" align="left">- <a href="http://www.moneysavingexpert.com/shopping/tap-water-rights?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-didyoumiss&utm_content=7" style="color: #0047D9; text-decoration: none;">Must restaurants give free tap water?</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0 2px 0 0;" align="left">- <a href="http://www.moneysavingexpert.com/deals/no7?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-didyoumiss&utm_content=8#freeno7" style="color: #0047D9; text-decoration: none;">Free £21 gift set with £12 No7 spend</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0 2px 0 0;" align="left">- <a href="http://www.moneysavingexpert.com/family/free-cheap-wills?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-didyoumiss&utm_content=9#fwm" style="color: #0047D9; text-decoration: none;">Free wills month for over 55s</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0 2px 0 0;" align="left">- <a href="http://www.moneysavingexpert.com/tips/24-02-2016?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-didyoumiss&utm_content=10" style="color: #0047D9; text-decoration: none;">Revealed: the best & worst banks</a></p> </th> </tr> </tbody> </table> </td> </tr> <tr> <td height="15" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr class="hide-mobile"> <td align="center" class=" full-width" style="border-collapse: collapse; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-width: 1px; border-top-color: #dee4ef; border-top-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #ffffff; margin: 0 auto; padding: 0;" class="full-width" height="20" bgcolor="#ffffff"> <tbody> <tr> <td style="border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width nt-bignote" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #ffffff; margin: 0 auto; padding: 0;" cellpadding="10" align="center" width="100%" bgcolor="#ffffff"> <tbody> <tr> <td class="bignote2 note" style="border-collapse: collapse; padding: 5px 17px 0px;"> <h2 style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif !important; margin-top: 0 !important; margin-bottom: 0px; line-height: 100%; font-weight: bold; font-size: 20px; text-align: center;" align="center"> <a name="shops" id="shops" style="color: #0047D9; text-decoration: none;"></a> <a href="http://www.moneysavingexpert.com/news/shopping/2016/03/revealed-13-major-stores-web-return-rights-are-wrong?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=1" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; color: #0047D9; text-decoration: none;">Revealed: 13 major stores' web return rights are WRONG</a> </h2> <p class="subline" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; text-align: center; margin: 0; padding: 0;" align="center"><a href="http://www.moneysavingexpert.com/news/shopping/2016/03/revealed-13-major-stores-web-return-rights-are-wrong?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=2" style="color: #000000; text-decoration: none; font-style: normal; font-variant: normal; font-weight: normal; font-size: 13px; line-height: normal; font-family: 'Arial Bold', Arial, Helvetica, sans-serif; margin: 0;"><strong>Named and shamed: House of Fraser, JD Sports, Karen Millen & more talk tosh on online returns</strong></a></p> <br/> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;">Unlike buying in-store, buy online and you have a legal right to change your mind and send goods back. New laws to give you more rights were introduced more than 20 months ago, but we've investigated online retailers' websites and found 13 that either haven't updated or are just wrong. Four more hide your rights behind their own usually less generous policies. </p> <ul style="padding-left: 20px; list-style-type: disc;"> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><a href="http://www.moneysavingexpert.com/news/shopping/2016/03/revealed-13-major-stores-web-return-rights-are-wrong?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=3" style="color: #0047D9;"><img src="http://images.moneysavingexpert.com/images/web-rights-tip-3x.png" alt="Web rights" width="175" height="160" align="right" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a><strong>Oi, House of Fraser, Karen Millen: you're talking tosh. </strong>A range of websites' return pages are giving out wrong info on your rights. See which are the <a href="http://www.moneysavingexpert.com/news/shopping/2016/03/revealed-13-major-stores-web-return-rights-are-wrong?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=4" style="color: #0047D9;">worst offenders</a> and let us know of any more. Here are examples of what's wrong. <br /> <br /> - Karen Millen says: <em style="font-family: Arial, Helvetica, sans-serif;">"You've only <strong>14 days</strong> from <strong>purchase</strong> to return an item"</em>, but the law is you've 14 days after it's <strong>delivered</strong> to cancel, then 14 days after cancellation to return. <br /> <br /> - House of Fraser says:<em style="font-family: Arial, Helvetica, sans-serif;"> "Return an item within 14 days to get a refund via the <strong>original payment method"</strong></em>, after that it's vouchers. This is POPPYCOCK. Again you've 14 days to cancel and 14 after that to return goods to get a full refund.<br /><br /> We've told these stores; Karen Millen hasn't replied (for 2 weeks) and while H of Fraser's made some changes it hasn't yet changed all parts of its site - we are reporting them & two others to Trading Standards. Thankfully after we contacted the other 13, they agreed to review their sites - we'll monitor to see how well it's done.</p></li></ul> <ul style="padding-left: 20px; list-style-type: disc;"> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>Tool up with your real consumer rights - so you can't be fobbed off.</strong> Online buying comes under the <em style="font-family: Arial, Helvetica, sans-serif;">Consumer Contracts Regulations 2013</em>, read our full <a href="http://www.moneysavingexpert.com/shopping/consumer-rights-refunds-exchange?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=5#buyingfromhome" style="color: #0047D9;">know your rights</a> guide or print our <a href="http://www.moneysavingexpert.com/shopping/consumer-rights-wallet-print?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-two&utm_content=6" style="color: #0047D9;">free wallet mini-guide</a>. These are your legal rights. Firms can make them better, but they're not allowed to give you worse conditions.<br /> <br />1. <em style="font-family: Arial, Helvetica, sans-serif;">Almost all goods bought online can be cancelled.</em> The key exceptions are personalised and perishable goods.<br /> 2. <em style="font-family: Arial, Helvetica, sans-serif;">You've up to 28 days after DELIVERY to return. </em>You've 14 days to cancel & 14 days after that to return.<br /> 3. <em style="font-family: Arial, Helvetica, sans-serif;">The refund is for the goods AND deliv charge. </em>If you choose faster deliv you only get basic costs back.<br /> 4. <em style="font-family: Arial, Helvetica, sans-serif;">You aren't entitled to costs of sending goods back</em><strong><em style="font-family: Arial, Helvetica, sans-serif;">.</em></strong> So if from another EU country, returning can be costly.<br /> 5. <em style="font-family: Arial, Helvetica, sans-serif;">If goods are faulty you should get 'reasonable' costs of sending 'em back, </em> under the <em style="font-family: Arial, Helvetica, sans-serif;">Consumer Rights Act</em>.</p></li></ul> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr class="onsite-tipbox"> <td align="center" style="border-collapse: collapse;"> <table class="module-oneliner full-width" style="border-top-style: solid; border-top-color: #dee4ef; border-top-width: 1px; border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-color: #dee4ef; border-right-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FEFEF1; margin: 0 auto; padding: 20px 10px 0 17px;" width="100%" align="center" bgcolor="#FEFEF1"> <tbody> <tr> <td class="nt-oneliners" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="spring" id="spring" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/thompson-and-morgan?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=1#425bulbs" style="color: #0047D9; text-decoration: none;"><strong>425 spring bulbs £10 all-in (next cheapest £48). </strong> <em class="mseblagged" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; color: #00A3D9;">MSE Blagged.</em></a></span> 5 types incl gladioli. <a href="http://www.moneysavingexpert.com/deals/thompson-and-morgan?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=2#425bulbs" style="color: #0047D9;">Ends Fri</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href=" http://www.moneysavingexpert.com/deals/mothers-day#treatwellspa" style="color: #0047D9; text-decoration: none;"><strong> </strong></a><a name="spa" id="spa" style="color: #0047D9; text-decoration: none;"></a><a href=" http://www.moneysavingexpert.com/deals/mothers-day#treatwellspa" style="color: #0047D9; text-decoration: none;"><strong>£10 off £25 at 1,000s of hairdressers and spas code.</strong> <em class="mseblagged" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; color: #00A3D9;">MSE Blagged.</em></a></span> Ends Sat. 1,400 codes via booking site Treatwell. <a href=" http://www.moneysavingexpert.com/deals/mothers-day#treatwellspa" style="color: #0047D9;">£10 code</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="ikea" id="ikea" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/planning-a-trip-to-ikea-heres-how-you-can-claim-a-free-hot-dog-1000-gift-card-or-a-family-holiday-to-sweden?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=3" style="color: #0047D9; text-decoration: none;"><strong>How to play Ikea's 'free prize with any purchase' to the max.</strong></a></span> Hot dogs to Sweden trips. <a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/planning-a-trip-to-ikea-heres-how-you-can-claim-a-free-hot-dog-1000-gift-card-or-a-family-holiday-to-sweden?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=4" style="color: #0047D9;">Gimme, gimme, gimme</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="winter" id="winter" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/halfords?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=5#carcheck" style="color: #0047D9; text-decoration: none;"><strong>FREE £15 winter car check.</strong></a></span> Battery, bulbs, wipers, oil levels, screen wash (with free refill) checked. <a href="http://www.moneysavingexpert.com/deals/halfords?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=6#carcheck" style="color: #0047D9;">Halfords</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a name="savings" id="savings" style="color: #0047D9; text-decoration: none;"></a><a href="http://blog.moneysavingexpert.com/2016/02/25/the-new-personal-savings-allowance-means-some-people-will-be-better-off-earning-less-interest/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=7" style="color: #0047D9; text-decoration: none;"><strong>The new personal savings allowance means for some, LESS interest wins.</strong></a></span> See Martin's <a href="http://blog.moneysavingexpert.com/2016/02/25/the-new-personal-savings-allowance-means-some-people-will-be-better-off-earning-less-interest/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-two&utm_content=8" style="color: #0047D9;">PSA glitch blog</a>.</p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="note-footer full-width" style="border-collapse: collapse; border-top-style: none; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; 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border-top-style: none; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-width: 1px; border-top-color: #dee4ef; border-top-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" class="full-width" bgcolor="#FFFFFF"> <tbody> <tr> <td height="20" align="right" style="border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width" style="border-left-style: solid; border-left-color: #dee4ef; border-left-width: 1px; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-style: solid; border-bottom-color: #dee4ef; border-bottom-width: 1px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0px 15px 0px 17px;" width="100%" align="center" bgcolor="#FFFFFF"> <tbody> <tr> <td style="border-collapse: collapse;"> <span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>AT A GLANCE BEST BUYS</strong></span> <table width="100%" border="0" align="center" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th width="50%" valign="top" class="module-half" style="padding-right: 5px; vertical-align: top; font-weight: normal; text-align: left;" align="left"> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="bestBuys" style="font-size: 12px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; line-height: 19px; font-family: Arial, Helvetica, sans-serif; width: 100%; margin: 0 auto; padding: 10px 0 0;"> <tbody> <tr> <td class="border-link-header nt-bestbuysBt" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/cards/balance-transfer-credit-cards?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbt-one&utm_content=1" style="color: #0047D9; text-decoration: none;">0% balance transfers</a></td> </tr> <tr class="nt-bestbuysBt"> <td class=" border-link-content" style="padding-bottom: 10px; border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><strong>Longest 0%: </strong><a href="http://www.moneysavingexpert.com/redir/12070cc6?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbt-two&utm_content=1" style="color: #0047D9; text-decoration: none;">Halifax* up to 40mths 0%, 2.85% fee </a> (18.9% rep APR) <br /> <strong>No-fee 0%:</strong> <a href="http://www.moneysavingexpert.com/redir/f7fcc399?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbt-two&utm_content=2" target="_blank" style="color: #0047D9; text-decoration: none;">Halifax* up to 23mths 0%, no fee</a> (18.9% rep APR) </p> </td> </tr> <tr> <td class="border-link-header nt-bestbuysCar" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/car-insurance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-one&utm_content=1" style="color: #0047D9; text-decoration: none;">Car insurance</a></td> </tr> <tr class="nt-bestbuysCar"> <td class="border-link-content" style="border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><strong>Get comparison site quotes in this order:</strong> <br /> 1. <a href="http://www.moneysavingexpert.com/redir/28280b5e?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=3" style="color: #0047D9; text-decoration: none;">Google*</a> <br /> 2. <a href="http://www.moneysavingexpert.com/redir/3bbf1747?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=4" style="color: #0047D9; text-decoration: none;">GoCompare*</a> <br /> 3. <a href="http://www.moneysavingexpert.com/redir/4fb28432?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=5" style="color: #0047D9; text-decoration: none;">Confused.com* </a> <br /> 4. <a href="http://www.moneysupermarket.com/car-insurance/?Source=MSE " style="color: #0047D9; text-decoration: none;">MoneySuperMarket.com*</a> <br /> <br /> <strong>Then check insurers they miss: </strong> <br /> <a href="http://www.moneysavingexpert.com/redir/70fd449b?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=6" style="color: #0047D9; text-decoration: none;">Direct Line*</a> <br /> <a href="http://www.moneysavingexpert.com/redir/40185edc?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=7" style="color: #0047D9; text-decoration: none;">Aviva*</a> <br /> <a href="http://www.moneysavingexpert.com/redir/07eaa4cd?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuyscar-two&utm_content=8" style="color: #0047D9; text-decoration: none;">Admiral MultiCar*</a> <br /> </p> </td> </tr> </tbody> </table> </th> <th width="50%" align="center" valign="top" class="module-half" style="padding-left: 5px; font-weight: normal; text-align: left;"> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="bestBuys" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; font-size: 12px; line-height: 19px; font-family: Arial, Helvetica, sans-serif; width: 100%; margin: 0 auto; padding: 10px 0 0;"> <tbody> <tr> <td class="border-link-header nt-bestbuysLoans" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysloans-one&utm_content=1" style="color: #0047D9; text-decoration: none;">Cheap loans</a></td> </tr> <tr class="nt-bestbuysLoans"> <td class="border-link-content" style="border-collapse: collapse; padding-top: 7px;"><strong>Cheapest for £5,000-£7,499: </strong><a href="http://www.moneysavingexpert.com/redir/9e72b8d9?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysloans-two&utm_content=1" style="color: #0047D9; text-decoration: none;">M&S Bank* 3.5% rep APR</a><br /> <strong>Cheapest £7.5k-£15k: </strong> <a href="http://www.moneysavingexpert.com/redir/585b2f50?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysloans-two&utm_content=2" style="color: #0047D9; text-decoration: none;">HSBC* 3.3% rep APR</a> <br /> <br /> </td> </tr> <tr> <td class="border-link-header nt-bestbuysBroadband" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/phones/cheap-broadband?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbroadband-one&utm_content=1" style="color: #0047D9; text-decoration: none;">Broadband top picks</a></td> </tr> <tr class="nt-bestbuysBroadband"> <td class=" border-link-content" style="padding-bottom: 10px; border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><strong>Standard b'band & line rent: </strong><a href="http://www.moneysavingexpert.com/phones/cheap-broadband?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbroadband-two&utm_content=3#skybb" style="color: #0047D9; text-decoration: none;">Sky £116 for a yr after £100 back</a><br /> <strong>Fibre & line rent: </strong><a href="http://www.moneysavingexpert.com/phones/cheap-broadband?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbroadband-two&utm_content=4#btfibre" target="_blank" style="color: #0047D9; text-decoration: none;">BT £371 for a yr get £75 back and £75 card</a> </p> </td> </tr> <tr> <td class="border-link-header nt-bestbuysBestaccounts" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/banking/compare-best-bank-accounts?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbestaccounts-one&utm_content=1" style="color: #0047D9; text-decoration: none;">Best bank accounts</a></td> </tr> <tr class="nt-bestbuysBestaccounts"> <td class="border-link-content" style="padding-bottom: 10px; border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><strong>Top customer service + £100 bonus: </strong><a href="http://www.moneysavingexpert.com/redir/a064232a?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbestaccounts-two&utm_content=5" style="color: #0047D9; text-decoration: none;">First Direct*</a><br /> <strong>3% interest + up to 3% cashback (£5/mth fee):</strong> <a href="http://www.moneysavingexpert.com/redir/4d519365?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuysbestaccounts-two&utm_content=6" style="color: #0047D9; text-decoration: none;">Santander 123* </a></p> </td> </tr> <tr> <td class="border-link-header nt-bestbuysTopaccounts" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/savings/best-cash-isa?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuystopaccounts-one&utm_content=1" style="color: #0047D9; text-decoration: none;">Top Cash ISAs</a></td> </tr> <tr class="nt-bestbuysTopaccounts"> <td class="border-link-content" style="border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0; padding: 0;"><strong>Top easy-access: </strong><a href="http://www.moneysavingexpert.com/savings/best-cash-isa?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuystopaccounts-two&utm_content=7#postoffice" style="color: #0047D9; text-decoration: none;">Post Office 1.45%, min £100</a><br /> <strong>Fixed till 2021 with access: </strong><a href="http://www.moneysavingexpert.com/savings/best-cash-isa?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bestbuystopaccounts-two&utm_content=8#fixed" style="color: #0047D9; text-decoration: none;">State Bank of India 2.6%, min £15,000</a> </p> <br /> </td> </tr> </tbody> </table> </th> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr class="onsite-tipbox"> <td align="center" style="border-collapse: collapse;"> <table class="module-oneliner full-width full-content" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FEFEF1; margin: 0 auto; padding: 20px 17px; border: 1px solid #dee4ef;" width="100%" align="center" bgcolor="#FEFEF1"> <tbody> <tr> <td class="nt-oneliners" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://www.moneysavingexpert.com/deals/charles-tyrwhitt?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=1#20for40" style="color: #0047D9; text-decoration: none;"><strong>Charles Tyrwhitt shirts pay £20 for £40 vch.</strong></a></span> Posh shirts via daily deals site. 1,000 avail. <a href="http://www.moneysavingexpert.com/deals/charles-tyrwhitt?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=2#20for40" style="color: #0047D9;">Charles Tyrwhitt</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://www.moneysavingexpert.com/deals/thorntons?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=3#thorntons5" style="color: #0047D9; text-decoration: none;"><strong>Thorntons £5 off £25 online AND in-store spend.</strong><em class="mseblagged" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; color: #00A3D9;"> MSE Blagged.</em></a></span> Good for eggs or Mother's Day. <a href="http://www.moneysavingexpert.com/deals/thorntons?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=4#thorntons5" style="color: #0047D9;">Thorntons</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/trick-get-20-off-itunes-hm-new-look-monsoon-accessorize-or-pizza-express-gift-cards-to-stack-with-other-offers/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=5" style="color: #0047D9; text-decoration: none;"><strong> Trick to bag 20% off Monsoon, H&M, iTunes, Accessorize, New Look, Pizza Exp then STACK with offers.</strong></a></span> Tesco is selling 6 gift cards 20% off. Buy, then combine with deals (eg, H&M 25% off). <a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/trick-get-20-off-itunes-hm-new-look-monsoon-accessorize-or-pizza-express-gift-cards-to-stack-with-other-offers/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=6" style="color: #0047D9;"> Gift card trick</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://www.moneysavingexpert.com/deals/holland-and-barrett?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=7#hb15freedel" style="color: #0047D9; text-decoration: none;"><strong>Holland & Barrett 15% off plus free delivery code.</strong><em class="mseblagged" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; color: #00A3D9;"> MSE Blagged.</em></a></span> Best we've seen. Ends Mon. <a href="http://www.moneysavingexpert.com/deals/holland-and-barrett?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-three&utm_content=8#hb15freedel" style="color: #0047D9;">Holland & Barrett</a></p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width nt-bignote" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #fff; margin: 0 auto; padding: 0; border: 1px solid #dee4ef;" width="100%" bgcolor="#fff"> <tbody> <tr> <td class="bignote3 note" style="border-collapse: collapse; padding: 18px 17px 0px;"> <h2 style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif !important; margin-top: 0 !important; margin-bottom: 0px; line-height: 100%; font-weight: bold; font-size: 20px; text-align: center;" align="center"><a name="cheaploan" id="cheaploan" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=1" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; color: #0047D9; text-decoration: none;">Cheapest-EVER loans from 3.3%</a></h2> <p class="subline" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; text-align: center; margin: 0; padding: 0;" align="center"><a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=2" style="color: #000000; text-decoration: none; font-style: normal; font-variant: normal; font-weight: normal; font-size: 13px; line-height: normal; font-family: 'Arial Bold', Arial, Helvetica, sans-serif; margin: 0;"><strong>Loan rates have hit rock bottom, but the Bank of England says they mightn't last long. If you NEED one, go quick</strong></a> </p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;">This week we've seen by far the cheapest-ever loan launch for £5,000 to £7,500 borrowing. Yet in Nov the Bank of England warned MPs that borrowing is worryingly 'picking up' and it may at some point effectively force personal loan & buy-to-let lending (not credit card) rates higher. So change could happen. Full help in <a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=3" target="_blank" style="color: #0047D9;">Cheap Loans</a>.</p> <ul style="padding-left: 20px; list-style-type: disc;"> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=4" style="color: #0047D9;"><img src="http://images.moneysavingexpert.com/images/newspaper-tip-3x.png" alt="Cheap Loans" width="175" height="160" align="right" style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: none;" /></a><strong>Ensure you can afford it. </strong>Debt's like fire; a good tool but get it wrong and you get burnt. Only borrow if a) you <em style="font-family: Arial, Helvetica, sans-serif;">need it </em>for planned spending, eg, car; b) you've budgeted and can afford repayments; c) you minimise it & repay as soon as you can.</p> </li> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>UK's cheapest loans.</strong> All providers credit score you. <span class="purple" style="color: #911c57;">Don't just apply in hope, it hits your credit file. First find your best acceptance odds via our <a href="https://www.moneysavingexpert.com/eligibility/loans-calculator/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=5" target="_blank" style="color: #0047D9;">Loans Eligibility Calc</a></span>. </p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><em style="font-family: Arial, Helvetica, sans-serif;"> - £7,500-£15k:</em> <a href="http://www.moneysavingexpert.com/redir/585b2f50?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=6" style="color: #0047D9;">HSBC's*</a> 3.3% rep APR, as is <a href="http://www.moneysavingexpert.com/redir/4c439143?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=7" target="_blank" style="color: #0047D9;">Sainsbury's*</a> over 1-3yrs with Nectar card.<br /> <em style="font-family: Arial, Helvetica, sans-serif;">- £5,000-£7,499: </em><a href="http://www.moneysavingexpert.com/redir/9e72b8d9?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=8" target="_blank" style="color: #0047D9;">M&S*</a> is the new lowest-ever at 3.5% rep APR, <a href="http://www.moneysavingexpert.com/redir/d460c779?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=9" target="_blank" style="color: #0047D9;">Sainsbury's*</a> is next best at 4.2%/4.3% rep APR.<br /> <em style="font-family: Arial, Helvetica, sans-serif;"> - £2,000-£4,999:</em> <a href="http://www.moneysavingexpert.com/redir/6a903c38?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=10" style="color: #0047D9;">Zopa's*</a> 4.6%-7.9% rep APR, next is <a href="http://www.moneysavingexpert.com/redir/527020b0?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=11" target="_blank" style="color: #0047D9;">Hitachi*</a> (min £2,500) at 7.4% rep APR for 2-5 yrs.<br /> <em style="font-family: Arial, Helvetica, sans-serif;">- £1,000-£1,999:</em> <a href="http://www.moneysavingexpert.com/redir/6a903c38?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=12" style="color: #0047D9;">Zopa*</a> is 7.7%-7.9% rep APR, <a href="http://www.moneysavingexpert.com/redir/527020b0?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=13" target="_blank" style="color: #0047D9;">Hitachi*</a> 12.3% rep APR for 2-5 yrs.<br /> <br /> Sadly all these loans are 'representative rate', meaning ONLY 51% of accepted applicants need get that rate; the rest can pay more. Though very roughly the higher your <a href="https://www.moneysavingexpert.com/eligibility/loans-calculator/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=14" target="_blank" style="color: #0047D9;">eligibility calc</a> odds the better chance of getting the rate.</p> </li> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"> <strong> Nationwide customer? Trick to beat the cheapest. </strong>Apply and get accepted for a loan from any bank or building society (except peer-to-peer lenders incl Zopa), take acceptance proof to Nationwide and if you've your main current account with it (or you switch to it) it'll beat the interest by 0.5 of a percentage point. So a 3.5% loan becomes 3%. See <a href="http://www.moneysavingexpert.com/loans/cheap-personal-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=15#nationwide" target="_blank" style="color: #0047D9;">Nationwide loan trick</a>, incl its top current accounts to switch to and full eligibility criteria.</p></li> <li> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong> 0% credit card 'loans' are far cheaper for smaller amounts. </strong>Some 0% cards let new cardholders pay cash into their bank, like a loan, then you owe them instead - called a<em style="font-family: Arial, Helvetica, sans-serif;"> money transfer</em>. <a href="http://www.moneysavingexpert.com/redir/3c1da63b?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=16" target="_blank" style="color: #0047D9;">Virgin Money*</a> (<a href="https://creditcards.moneysavingexpert.com/?soidf" style="color: #0047D9;">eligibility calc</a>) is 32mths 0% for a one-off 1.69% fee, <a href="http://www.moneysavingexpert.com/redir/053651d1?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=17" target="_blank" style="color: #0047D9;">Virgin Money*</a> (<a href="https://creditcards.moneysavingexpert.com/?jgzxp" style="color: #0047D9;">eligibility calc</a>) also offers 36mths 0% for a higher 2.39% fee. Never miss a repayment & clear the debt before the 0% ends or they jump to 20.9% rep APR. Do read FULL info in <a href="http://www.moneysavingexpert.com/loans/plastic-loans?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-bignote-three&utm_content=18" style="color: #0047D9;">Credit Card Loans</a> first though.</p></li></ul> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width full-content module-oneliner" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FEFEF1; margin: 0 auto; padding: 20px 17px; border: 1px solid #dee4ef;" width="100%" bgcolor="#FEFEF1"> <tbody> <tr> <td class="nt-oneliners" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://www.moneysavingexpert.com/deals/mastercard?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=1#mastercardapplepay" style="color: #0047D9; text-decoration: none;"><strong>Free London Tube, train & bus travel on Mondays but...</strong></a></span> you need a Mastercard & Apple Pay. Till 14 March. <a href="http://www.moneysavingexpert.com/deals/mastercard?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=2#mastercardapplepay" style="color: #0047D9;">TfL</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://forums.moneysavingexpert.com/showthread.php?p=70212390&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=3" style="color: #0047D9; text-decoration: none;"><strong>Teachers/parents - how well is financial education taught in schools?</strong></a></span> It's now on the curriculum, Martin's giving evidence to MPs this month. He'd love YOUR input. Feed back <a href="http://forums.moneysavingexpert.com/showthread.php?p=70212390&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=4" style="color: #0047D9;">in the forum</a> or <a href="https://twitter.com/MartinSLewis" style="color: #0047D9;">tweet him</a> with #FinEd or <a href="mailto: teencashclass@moneysavingexpert.com" style="color: #0047D9;">email</a>.</p> <br /> <p align="center" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><strong style="font-size: 14px; color: #ff9c28;">SUCCESS OF THE WEEK: </strong>(<a href="mailto:Successes@moneysavingexpert.com" style="color: #0047D9;">Send us yours</a> on this or any topic)<br /> <em style="font-family: Georgia, serif; font-size: 13px; line-height: 1.8;"><strong>"<a href="https://twitter.com/MartinSLewis" style="color: #0047D9;">@martinslewis</a> Currently in Brum in 4 star hotel for £45, advertised on hotel's own site for £95 #priceline #bid #whoop" </strong>For how to do it see <a href="http://www.moneysavingexpert.com/travel/cheap-priceline-hotel-deals?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=5#beat" style="color: #0047D9;">Priceline bid loophole</a> and <a href="http://www.moneysavingexpert.com/travel/cheap-hotels?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=6#unnamed" style="color: #0047D9;">uncover secret hotels</a></em>. </p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><span class="oneliner" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><a href="http://blog.moneysavingexpert.com/2016/02/26/our-response-to-the-regulators-ppi-timebar-consultation-its-a-gross-injustice/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=7" style="color: #0047D9; text-decoration: none;"><strong>MSE responds to proposed PPI time-bar consultation - 'it's a gross injustice'.</strong></a></span> Read why in our <a href="http://blog.moneysavingexpert.com/2016/02/26/our-response-to-the-regulators-ppi-timebar-consultation-its-a-gross-injustice/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-oneliners-four&utm_content=8" style="color: #0047D9;">full response</a>.</p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width module-poll" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 20px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 20px 15px 0px 17px; border-color: #dee4ef; border-style: solid solid none; border-width: 1px;" width="100%" bgcolor="#FFFFFF"> <tbody> <tr> <th class="small-text" style="font-weight: normal; text-align: left;" align="left"><p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>THIS WEEK'S POLL</strong></span></p></th> </tr> <tr> <td class="nt-poll" style="padding-top: 5px; border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"> <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=1" style="color: #0047D9; text-decoration: none;"><strong class="poll-heading" style="font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;">Where is it fair to haggle?</strong></a> Haggling's a key tool in any MoneySaver's arsenal - after all even a price tag is only an indicative mark - it's not legally binding. Please vote where you think it's acceptable to haggle, including...</p> <p align="center" style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0 0 none;"><a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=2" style="color: #0047D9; text-decoration: none;">Broadband/mobile/digital TV at renewal</a> | <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=3" style="color: #0047D9; text-decoration: none;">Car boot/jumble sale (not for charity)</a> |<a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=4" style="color: #0047D9; text-decoration: none;"> Charity shop</a> | <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=5" style="color: #0047D9; text-decoration: none;">High St chain-store</a><strong><br /> </strong><a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=6" style="color: #0047D9; text-decoration: none;">Home services, eg, baby-sitter, gardener, cleaner</a> | <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=7" style="color: #0047D9; text-decoration: none;">Market stall seller</a> | <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=8" style="color: #0047D9; text-decoration: none;">One-off independent local store</a> | <a href="http://www.moneysavingexpert.com/vote/01-03-2016/where-is-it-fair-to-haggle-?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=9" style="color: #0047D9; text-decoration: none;">Pound shop</a></p> <br /> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 0px; padding: 0;"><strong>You would vote for Hillary to be President, but The Donald is your top Republican. </strong>14,000 told us the US presidential candidate they'd vote for if they could. Hillary won with 54% (total for Democrats 76%), and Trump was top Republican with 15% (16% total for Republicans). See the full <a href="http://www.moneysavingexpert.com/poll/23-02-2016/which-us-presidential-candidate-would-you-vote-for-if-you-could?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-poll&utm_content=10" style="color: #0047D9; text-decoration: none;">UK US-election</a> results.</p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="note-footer full-width" style="border-collapse: collapse; border-top-style: none; max-width: 760px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table align="center" width="100%" style="max-width: 760px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" class="full-width" bgcolor="#FFFFFF"> <tbody> <tr> <td height="20" align="right" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse; background-color: #DEE4F0;" bgcolor="#DEE4F0"> <table class="full-width nt-moneysavingnews" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #F0F4FB; margin: 0 auto; padding: 20px 15px; border: 1px solid #ffffff;" width="100%" bgcolor="#F0F4FB"> <tbody> <tr> <td class="small-text" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>MONEYSAVING NEWS</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;">- <strong class="red" style="color: #b31717;">Top story: </strong><a href="http://www.moneysavingexpert.com/news/broadband/2016/02/broadband-users-to-get-automatic-compensation-for-outages?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneysavingnews&utm_content=1" style="color: #0047D9; text-decoration: none;">Broadband users to get automatic compensation for outages</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"> <a href="http://www.moneysavingexpert.com/news/energy/2016/03/energy-firms-hit-two-million-households-with-late-bills?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneysavingnews&utm_content=2" style="color: #0047D9; text-decoration: none;">- Energy firms hit two million households with late bills</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><a href="http://www.moneysavingexpert.com/news/travel/2016/02/c2c-rail-passengers-win-automatic-compensation-for-train-delays-of-two-minutes-or-more?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneysavingnews&utm_content=3" style="color: #0047D9; text-decoration: none;">- c2c rail passengers win automatic compensation for delays of just two mins</a></p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px; background-color: #DEE4F0;" bgcolor="#DEE4F0"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse; background-color: #dee4f0;" bgcolor="#dee4f0"> <table align="center" width="100%" style="max-width: 760px; border-left-width: 1px; border-left-style: solid; border-left-color: #dee4ef; border-right-style: solid; border-right-color: #dee4ef; border-right-width: 1px; border-top-width: 1px; border-top-color: #dee4ef; border-top-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" class="full-width" height="20" bgcolor="#FFFFFF"> <tbody> <tr> <td style="border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table class="full-width" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; border-left-style: solid; border-left-color: #dee4ef; border-left-width: 1px; border-right-style: solid; border-right-width: 1px; border-right-color: #dee4ef; border-bottom-color: #dee4ef; border-bottom-width: 1px; border-bottom-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0 15px;" width="100%" bgcolor="#FFFFFF"> <tbody> <tr> <td class="small-text" style="border-collapse: collapse;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>MONEY MORAL DILEMMA</strong></span></p> </td> </tr> <tr> <td class="nt-moneymoraldilemma" style="border-collapse: collapse;"> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5420040&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymoraldilemma&utm_content=1" class="oneliner" style="color: #0047D9; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; text-decoration: none;"><strong>Can my wife say no to her daughter's wedding demands?</strong></a> My 18-year-old stepdaughter (who's on benefits) has got engaged. She expects her parents to finance most of the wedding and is putting pressure on my wife to say how much she'll put in. If my wife doesn't, this will be a sore point in an already tense relationship.<strong> Enter the Money Moral Maze:</strong> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5420040&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymoraldilemma&utm_content=2" class="headline" style="color: #0047D9;">Can my wife say no to her daughter's wedding demands?</a> | <a href="mailto:%20mmd@moneysavingexpert.com" style="color: #0047D9;"> Suggest an MMD</a> | <a href="http://www.moneysavingexpert.com/shopping/chat-tips-gold?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-moneymoraldilemma&utm_content=3#mmd" target="_blank" style="color: #0047D9;">View past MMDs</a> </td> </tr> <tr> <td style="padding-bottom: 5px; border-collapse: collapse;"> <br /><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>THE QUICKIES</strong></span></td> </tr> <tr> <td class="nt-thequickies" style="padding-bottom: 20px; border-collapse: collapse;"> - <strong>Debt-Free Wannabe chat of the week:</strong> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5418482&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-thequickies&utm_content=1" style="color: #0047D9;">Gift budget</a><br /> - <strong>Competitions thread of the week: </strong> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5414788&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-thequickies&utm_content=2" style="color: #0047D9;">Jamaica Holiday</a> <br /> - <strong>Old-style board thread of the week: </strong> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5387842&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-thequickies&utm_content=3" style="color: #0047D9;">March 2016 Grocery Challenge</a><br /> - <strong>Discussion of the week: </strong> <a href="http://forums.moneysavingexpert.com/showthread.php?t=5416399&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-thequickies&utm_content=4" target="_blank" style="color: #0047D9;">Words or phrases that annoy you</a><br /> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" colspan="3" style="border-collapse: collapse;"> <table class="full-width bestBuys-second" style="border-left-style: solid; border-left-color: #dee4ef; border-left-width: 1px; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-style: solid; border-top-color: #dee4ef; border-top-width: 1px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 15px 15px 0px;" width="100%" align="center" bgcolor="#FFFFFF"> <tbody> <tr> <td style="border-collapse: collapse;"> <table width="100%" border="0" align="center" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th width="50%" valign="top" class="module-half" style="padding-right: 5px; font-weight: normal; text-align: left;" align="left"> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="bestBuys" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; font-size: 12px; line-height: 19px; font-family: Arial, Helvetica, sans-serif; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td class="border-link-header nt-quickdeals" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a name="botr" id="botr" style="color: #0047D9; text-decoration: none;"></a><a href="http://www.moneysavingexpert.com/deals/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-quickdeals&utm_content=1" style="color: #0047D9; text-decoration: none;">Quick deals</a></td> </tr> <tr> <td class="nt-quickdeals border-link-content" style="padding-bottom: 10px; border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><a href="http://www.moneysavingexpert.com/deals/cheap-coach-train-ticket-deals?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-quickdeals&utm_content=2#virginwestsale" style="color: #0047D9; text-decoration: none;">Virgin Trains</a> - West Coast seat sale, eg, £8 Ldn-Bham rtn<br /> <a href="http://www.moneysavingexpert.com/deals/picanova?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-quickdeals&utm_content=3#3canvas" style="color: #0047D9; text-decoration: none;">Picanova</a> - £37 A5ish photo canvas £9 delivered<br /> <a href="http://www.moneysavingexpert.com/deals/morrisons?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-quickdeals&utm_content=4#morrisfroz" style="color: #0047D9; text-decoration: none;">Morrisons</a> - £3 frozen pizza, chips & ice cream (norm £7)<br /> <a href="http://www.moneysavingexpert.com/deals/greggs?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-quickdeals&utm_content=5#greggsdrink" style="color: #0047D9; text-decoration: none;">Greggs</a> - 'free' £2ish hot drink and doughnut with 99p mag<br /> </p> </td> </tr> <tr> <td class="border-link-header nt-restaurantdeals" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/deals/cheap-restaurant-deals?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-restaurantdeals&utm_content=1" style="color: #0047D9; text-decoration: none;">Restaurant deals</a></td> </tr> <tr> <td class="nt-restaurantdeals border-link-content" style="border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0; padding: 0;"> <a href="http://www.moneysavingexpert.com/deals/toby-carvery?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-restaurantdeals&utm_content=2#toby2course" style="color: #0047D9; text-decoration: none;">Toby Carvery</a> - two courses for £6.50<br /> <a href="http://www.moneysavingexpert.com/deals/ask-italian?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-restaurantdeals&utm_content=3#ask30" style="color: #0047D9; text-decoration: none;">Ask Italian</a> - 30% off mains<br /> <a href="http://www.moneysavingexpert.com/deals/pizza-express?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-restaurantdeals&utm_content=4#pizzaexpress12" style="color: #0047D9; text-decoration: none;">Pizza Express</a> - two courses for £12. Ends Sun<br /> <a href="http://www.moneysavingexpert.com/deals/burger-king?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-restaurantdeals&utm_content=5#bkdeals" style="color: #0047D9; text-decoration: none;">Burger King</a> - 2for1, meal deals & more<br /></p> </td> </tr> </tbody> </table> </th> <th width="50%" align="center" valign="top" class="module-half" style="padding-left: 5px; font-weight: normal; text-align: left;"> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="bestBuys shopping" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; font-size: 12px; line-height: 19px; font-family: Arial, Helvetica, sans-serif; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <td class="border-link-header nt-highstreesales" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;"><a href="http://www.moneysavingexpert.com/deals/clothes-and-fashion?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-highstreesales&utm_content=1" style="color: #0047D9; text-decoration: none;">High street & shopping sales</a></td> </tr> <tr> <td class="nt-highstreesales border-link-content" style="padding-bottom: 10px; border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;"><a href="http://www.moneysavingexpert.com/deals/dorothy-perkins?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-highstreesales&utm_content=2#dp30" style="color: #0047D9; text-decoration: none;">Dorothy Perkins</a> - £10 off £50 online. Ends Sat<br /> <a href="http://www.moneysavingexpert.com/deals/la-redoute?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-highstreesales&utm_content=3#laredoute25" style="color: #0047D9; text-decoration: none;">La Redoute</a> - 25% off everything with code. Ends Fri<br /> <a href="http://www.moneysavingexpert.com/deals/new-look?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-highstreesales&utm_content=4#60" style="color: #0047D9; text-decoration: none;">New Look</a> - up to 60% off selected lines<br /> <a href="http://www.moneysavingexpert.com/deals/boots?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-highstreesales&utm_content=5#sanctuarymother" style="color: #0047D9; text-decoration: none;">Boots</a> - £19 Sanctuary Spa gift set (norm £46)<br /> </p> </td> </tr> <tr> <td class="border-link-header nt-restaurantdeals" style="border-collapse: collapse; font-family: 'Arial Bold',Arial, Helvetica, sans-serif; font-size: 15px; line-height: 22px; padding-bottom: 2px; margin-bottom: 5px; border-bottom-width: 1px; border-bottom-color: #bcc3ce; border-bottom-style: solid; display: block; font-weight: bold;">Quick Forum Tips</td> </tr> <tr> <td class="nt-quickforumtips border-link-content" style="border-collapse: collapse; padding-top: 7px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; margin: 0 0 5px; padding: 0;">Asda George up to 50% off. <a href="http://forums.moneysavingexpert.com/showthread.php?t=5422330&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=quickforumtips&utm_content=1" style="color: #0047D9; text-decoration: none;">George-ous</a><br /> 'Free' £11ish Nails Inc polish with £4 mag. <a href="http://forums.moneysavingexpert.com/showthread.php?t=5420398&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=quickforumtips&utm_content=2" style="color: #0047D9; text-decoration: none;">Nailed it</a><br /> Heads-up: Nectar Double-up starts 30 Mar. <a href="http://forums.moneysavingexpert.com/showthread.php?t=5421135&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=quickforumtips&utm_content=3" style="color: #0047D9; text-decoration: none;">There's a buzz</a><br /> </p> </td> </tr> </tbody> </table> </th> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" class="note-footer hide-mobile" style="border-collapse: collapse; border-top-style: none; background-color: #dee4f0;" bgcolor="#dee4f0"> <table align="center" width="100%" style="max-width: 760px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" class="full-width" bgcolor="#FFFFFF"> <tbody> <tr> <td height="20" align="right" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-width: 1px; border-bottom-color: #dee4ef; border-bottom-style: solid; border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <!-- version 1 --> <tr> <td class="empty-height " bgcolor="#dee4f0" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse; background-color: #dee4f0;" bgcolor="#dee4f0"> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="full-width" align="center" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 0;"> <tbody> <tr> <th class="fluidcolumn small-text nt-martinsblog" valign="top" style="width: 33%; font-weight: normal; text-align: left; max-width: 100% !important; background-color: #F0F5FB; padding: 20px 3px 13px 17px; border: 1px solid #ffffff;" align="left" bgcolor="#F0F5FB"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>MARTIN'S BLOGS</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><a href="http://blog.moneysavingexpert.com/2016/02/29/my-first-years-fitness-tracker-stats-it-works-ive-massively-upped-my-game/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-martinsblog&utm_content=1" style="color: #0047D9; text-decoration: none;">- My first year's fitness-tracker stats: it works, I've massively upped my game</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><a href="http://blog.moneysavingexpert.com/2016/02/25/the-new-personal-savings-allowance-means-some-people-will-be-better-off-earning-less-interest/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-martinsblog&utm_content=2" style="color: #0047D9; text-decoration: none;">- The new personal savings allowance means some will be better off earning LESS interest</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><a href="http://blog.moneysavingexpert.com/2016/02/26/our-response-to-the-regulators-ppi-timebar-consultation-its-a-gross-injustice/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-martinsblog&utm_content=3" style="color: #0047D9; text-decoration: none;">- Our response to the regulator's PPI time-bar consultation... it's a gross injustice</a></p> </th> <th style="border-bottom-width: 1px; border-bottom-color: #dee4f0; border-bottom-style: solid; font-weight: normal; text-align: left; max-width: 100% !important;" class="fluidcolumn empty" width="14" align="left"></th> <th class="fluidcolumn small-text nt-teamblog" valign="top" style="width: 33%; font-weight: normal; text-align: left; max-width: 100% !important; min-height: 112px; background-color: #F0F5FB; padding: 20px 3px 13px 17px; border: 1px solid #ffffff;" align="left" bgcolor="#F0F5FB"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>MSE TEAM BLOG</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><a href="http://www.moneysavingexpert.com/team-blog/2016/03/01/why-asda-was-right-to-reinstate-food-bank-collections/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-teamblog&utm_content=4" style="color: #0047D9; text-decoration: none;">- Why Asda was right to reinstate food bank collections</a></p> </th> <th style="border-bottom-width: 1px; border-bottom-color: #dee4f0; border-bottom-style: solid; font-weight: normal; text-align: left; max-width: 100% !important;" class="fluidcolumn empty" width="14" align="left"></th> <th class="fluidcolumn small-text nt-dealhuntersblog" valign="top" style="width: 33%; font-weight: normal; text-align: left; max-width: 100% !important; background-color: #F0F5FB; padding: 20px 3px 13px 17px; border: 1px solid #ffffff;" align="left" bgcolor="#F0F5FB"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>DEALS HUNTERS BLOG</strong></span></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left"><a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/02/29/free-5-morrisons-voucher-via-the-sun-sounds-good-but-youd-be-up-to-6-64-out-of-pocket-to-claim-it-heres-why//?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-dealhuntersblog&utm_content=5" style="color: #0047D9; text-decoration: none;">- 'Free' Morrisons voucher in The Sun could leave you £7 out of pocket</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left">- <a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/planning-a-trip-to-ikea-heres-how-you-can-claim-a-free-hot-dog-1000-gift-card-or-a-family-holiday-to-sweden?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-dealhuntersblog&utm_content=6" style="color: #0047D9; text-decoration: none;">How to play Ikea's free prize with any purchase to the max.</a></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: left; display: block; margin: 0 0 5px; padding: 0;" align="left">- <a href="http://www.moneysavingexpert.com/deals/deals-hunter/2016/03/01/trick-get-20-off-itunes-hm-new-look-monsoon-accessorize-or-pizza-express-gift-cards-to-stack-with-other-offers/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-dealhuntersblog&utm_content=7" style="color: #0047D9; text-decoration: none;">Trick to bag 20% off Monsoon, H&M, iTunes, Accessorize, New Look, Pizza Exp then STACK with offers.</a></p> </th> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height " bgcolor="#dee4f0" style="border-collapse: collapse; height: 15px;"> </td> </tr> <!-- End version 1 --> <tr> <td align="center" style="border-collapse: collapse; background-color: #dee4f0;" bgcolor="#dee4f0"> <table align="center" width="100%" style="max-width: 760px; border-left-width: 1px; border-left-style: solid; border-left-color: #dee4ef; border-right-style: solid; border-right-color: #dee4ef; border-right-width: 1px; border-top-width: 1px; border-top-color: #dee4ef; border-top-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" class="full-width" height="20" bgcolor="#FFFFFF"> <tbody> <tr> <td style="border-collapse: collapse;"> </td> </tr> </tbody> </table> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table width="100%" class="full-width" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; border-left-width: 1px; border-left-style: solid; border-left-color: #dee4ef; border-right-width: 1px; border-right-color: #dee4ef; border-right-style: solid; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" bgcolor="#FFFFFF"> <tbody> <tr> <td class="appearances small-text" style="border-collapse: collapse; padding: 0px 17px;"> <p class="small-text" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>MARTIN'S APPEARANCES (WED 2 MAR ONWARD)</strong></span></p> </td> </tr> <tr> <td style="border-collapse: collapse; padding: 0px 15px 15px 17px;" class="nt-martinappearances"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 0px; padding: 0;"> <strong>Thu 3 Mar</strong> - Good Morning Britain, ITV, Deals of the Week, 7.40am. <a href="http://www.itv.com/goodmorningbritain/martin-lewis-got-some-mothers-day-deals" title="Watch previous" target="_blank" style="color: #0047D9;">Watch previous</a><br /> <strong>Fri 4 Mar</strong> - This Morning, ITV, Martin's Quick Deals, from 10.30am. <a href="http://www.itv.com/thismorning/money-martin-lewis-free-mothers-day-card-and-free-no7-gift-set" target="_blank" style="color: #0047D9;">Watch previous</a><br /> <strong>Mon 7 Mar </strong> - This Morning, ITV, Money Monday, from 10.30am. <a href="http://www.itv.com/thismorning/money-martin-lewis-how-to-make-money-from-being-married" title="Watch previous" target="_blank" style="color: #0047D9;">Watch previous</a><br /> <span style="margin-bottom: 0;"><strong>Mon 7 Mar</strong> - BBC Radio 5 Live, Lunch Money Martin, 12noon. <a href="http://www.bbc.co.uk/programmes/p02pc9xt/episodes/downloads" title="Subscribe to podcast" target="_blank" style="color: #0047D9;">Subscribe to podcast</a></span> </p> </td> </tr> <tr> <th class="appearances small-text" style="font-weight: normal; text-align: left; padding: 0px 17px;" align="left"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>TEAM APPEARANCES</strong></span></p> </th> </tr> <tr> <td style="border-bottom-style: solid; border-bottom-color: #dee4ef; border-bottom-width: 1px; border-collapse: collapse; padding: 0px 15px 15px 17px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 0px; padding: 0;"><strong>Wed 2 Mar</strong> - Share Radio, 11.20am<br /> <strong>Thu 3 Mar</strong> - BBC Radio Manchester, 4.20pm<br /> <strong>Tue 8 Mar</strong> - BBC Radio Cambridgeshire, 2.20pm </p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table width="100%" class="full-width qotw" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" bgcolor="#FFFFFF"> <tbody> <tr> <td class="small-text" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-style: solid; border-top-color: #dee4ef; border-top-width: 1px; border-collapse: collapse; padding: 22px 17px 0px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; display: block; margin: 0 0 5px; padding: 0;"><span class="tag-header" style="font-family: 'Arial Bold',Arial,sans-serif; font-size: 12px; line-height: 16px; color: #343f55; display: block;"><strong>QUESTION OF THE WEEK</strong></span></p> </td> </tr> <tr> <td class="nt-qotw" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-style: solid; border-bottom-color: #dee4ef; border-bottom-width: 1px; border-collapse: collapse; padding: 0px 17px 17px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>Q: I want to change bank accounts. Can I switch if I have a heavy overdraft since being a student, eg, £2,800? <em style="font-family: Arial, Helvetica, sans-serif;"> Leyla, via email</em></strong><strong><em style="font-family: Arial, Helvetica, sans-serif;">.</em></strong></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;"><strong>MSE <a href="http://www.moneysavingexpert.com/news/biogs/?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-qotw&utm_content=1#RosieBannister" style="color: #0047D9;">Rosie</a>'s A:</strong> There aren't any set rules in place regarding switching bank accounts if you're overdrawn - whether you get an overdraft, and whether your limit is high enough to switch your existing one, will depend on the new account provider which'll credit check and decide if it's happy to accept you.</p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;">This isn't to say that it's impossible - remember, banks make money from you being overdrawn so it can be in their interest to accept you. If you graduated in the last three years, it may be that a <a href="http://www.moneysavingexpert.com/students/graduate-bank-accounts?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-qotw&utm_content=2" target="_blank" style="color: #0047D9;">graduate account</a> would be the best option for you as they tend to have good 0% overdraft deals.</p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0 0 22px; padding: 0;">If your new bank or building society can't help, you'll need to make separate plans to pay back what you owe. For help on this, take a look at our <a href="http://www.moneysavingexpert.com/budgeting?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-qotw&utm_content=3" target="_blank" style="color: #0047D9;">Budget Planner</a>, and for information on the best banks to switch to see <a href="http://www.moneysavingexpert.com/banking/compare-best-bank-accounts?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-qotw&utm_content=4" target="_blank" style="color: #0047D9;">Best Bank Accounts</a>.</p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; text-align: right; margin: 0; padding: 0;" class="suggest-question" align="right"><em style="font-family: Arial, Helvetica, sans-serif;"><strong>Please suggest a <a href="mailto:qotw@moneysavingexpert.com" style="color: #0047D9;">question of the week</a></strong> (we can't reply to individual emails). </em></p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td colspan="5" class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table width="100%" class="full-width qotw" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 20px; border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; background-color: #FFFFFF; margin: 0 auto; padding: 0;" bgcolor="#FFFFFF"> <tbody> <tr> <td class="small-text" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-top-style: solid; border-top-color: #dee4ef; border-top-width: 1px; border-collapse: collapse; padding: 20px 17px 0px;"> <p class="tag-header" style="font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; color: #343f55; display: block; margin: 0 0 5px; padding: 0;"><strong>When did you get your first wrinkle?</strong></p> </td> </tr> <tr> <td class="nt-signoff" style="border-left-width: 1px; border-left-color: #dee4ef; border-left-style: solid; border-right-width: 1px; border-right-style: solid; border-right-color: #dee4ef; border-bottom-style: solid; border-bottom-color: #dee4ef; border-bottom-width: 1px; border-collapse: collapse; padding: 0 17px 18px;"> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0px 0 22px; padding: 0;"><em style="font-family: Arial, Helvetica, sans-serif;">That's it for this week, but before we go, check out this thread from the forum: <a href="http://forums.moneysavingexpert.com/showthread.php?t=5418085&utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-signoff&utm_content=1" style="color: #0047D9;">"What age were you when you spawned your first wrinkle?"</a> Our forumites are full of wisdom but it comes with downsides. When did you get your first line? Or maybe a grey hair showed up first? Tips for a line-free face include sun dodging, plenty of moisturising - or adopting a relaxed pose. </em></p> <p style="font-family: Arial, Helvetica, sans-serif; font-size: 13px; line-height: 22px; margin: 0; padding: 0;"><em style="font-family: Arial, Helvetica, sans-serif;">We hope you save some money,<br /> <strong>Martin & the MSE team</strong></em> </p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td class="empty-height" style="border-collapse: collapse; height: 15px;"> </td> </tr> <tr> <td align="center" style="border-collapse: collapse;"> <table align="center" class="full-width footer" width="100%" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-spacing: 0; max-width: 760px; width: 100%; margin: 0 auto; padding: 0 15px;"> <tbody> <tr> <td class="nt-footer" style="border-collapse: collapse;"> <h3 style="font-family: Helvetica; line-height: 100%; font-weight: bold; font-size: 15px; color: #5c6a84; margin: 0 0 10px;">Important. Please read how <a href="http://www.moneysavingexpert.com/site/about-the-site?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=1" style="color: #0047D9;">MoneySavingExpert.com</a> works</h3> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 10px; padding: 0;"><strong>What you need to know</strong></p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the <a href="http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=2" style="color: #0047D9;">Section 75 guide</a> for protection tips).</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">We often link to other websites, but can't be responsible for their content.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">Always remember anyone can post on the MSE forums, so it can be very different from our opinion.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">Please read the <a href="http://www.moneysavingexpert.com/site/terms-conditions?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=3" style="color: #0047D9;">Full Terms & Conditions</a>, <a href="http://www.moneysavingexpert.com/site/privacy-policy?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=4" style="color: #0047D9;">Privacy Policy</a>, <a href="http://www.moneysavingexpert.com/site/moneysavingexpert-finance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=5" style="color: #0047D9;">How This Site is Financed</a> and <a href="http://www.moneysavingexpert.com/site/editorial-code?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=6" style="color: #0047D9;">Editorial Code</a>. Martin Lewis is a registered trade mark belonging to Martin S Lewis.</p> <h3 style="font-family: Helvetica; line-height: 100%; font-weight: bold; font-size: 15px; color: #5c6a84; margin: 0 0 10px;">More about MoneySavingExpert and Martin Lewis</h3> <br /> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;"><strong>What is MoneySavingExpert.com?</strong><br />Founded in February 2003, it's now the UK's biggest consumer help website with more than 10 million people getting this email and about 13 million using the site every month. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: saving cash and fighting for financial justice on anything and everything. The site has over 80 full time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See <a href="http://www.moneysavingexpert.com/site/about-the-site?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=7" style="color: #0047D9;">About MSE</a>.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;"><strong>Who is Martin Lewis?</strong><br />Martin set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time show <em style="font-family: Arial, Helvetica, sans-serif;">The Martin Lewis Money Show</em> and weekly slots on Radio 5 Live,<em style="font-family: Arial, Helvetica, sans-serif;"> This Morning</em> and <em style="font-family: Arial, Helvetica, sans-serif;">Good Morning Britain</em>, among others. He's a columnist for publications including the<em style="font-family: Arial, Helvetica, sans-serif;"> Telegraph</em>, <em style="font-family: Arial, Helvetica, sans-serif;">Sunday Mirror</em> and <em style="font-family: Arial, Helvetica, sans-serif;">Woman</em> magazine. More info: See <a href="http://www.moneysavingexpert.com/site/martin-lewis-biography?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=8" style="color: #0047D9;">Martin Lewis' biography</a>.</p> <h3 style="font-family: Helvetica; line-height: 100%; font-weight: bold; font-size: 15px; color: #5c6a84; margin: 0 0 10px;">What do the links with an * mean?</h3> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See <a href="http://www.moneysavingexpert.com/site/moneysavingexpert-finance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=9" style="color: #0047D9;">How This Site is Financed</a>.</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:</p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 10px; padding: 0;"><strong>Unaffiliated web-addresses for links in this email</strong></p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;"><em style="font-family: Arial, Helvetica, sans-serif;">aquacard.co.uk, barclaycard.co.uk, hsbc.co.uk, sainsburysbank.co.uk, marksandspencer.com, zopa.com, paybyfinance.co.uk, virginmoney.com, halifax.co.uk, google.co.uk, gocompare.com, confused.com, moneysupermarket.com, directline.com, aviva.co.uk, admiral.com, firstdirect.com, santander.co.uk</em></p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 10px; padding: 0;"><strong>Financial Conduct Authority (FCA) Note</strong></p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">Where we feature insurance products, referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.comLimited on behalf of MoneySupermarket.comGroup PLC. <br /> <br /> It's also worth knowing that MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. 3157344) is MoneySupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. Telephone 01244 665700. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. </p> <p style="font-family: Helvetica,Arial, sans-serif; font-size: 13px; line-height: 22px; color: #5c6a84; margin: 0 0 22px; padding: 0;">To change your email or stop receiving the weekly tips (unsubscribe): Go to: <a href="http://www.moneysavingexpert.com/tips?utm_source=MSE_Newsletter&utm_medium=email&utm_term=02-Mar-16-v1&utm_campaign=nt-footer&utm_content=10" style="color: #0047D9;">www.moneysavingexpert.com/tips</a>.</p> </td> </tr> </tbody> </table> </td> <!--[if gte mso 9]> </td> </tr> </tbody> </table> <![endif]--> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> <!--END COPY HERE FOR ONSITE TIP--> <style type="text/css"> body { width: 100% !important; min-width: 100% !important; -webkit-text-size-adjust: none !important; -ms-text-size-adjust: 100% !important; margin: 0 !important; padding: 0 !important; background-color: #f0f5fb !important; -webkit-font-smoothing: antialiased !important; -height: 100% !important; } .ReadMsgBody { width: 100% !important; } .ExternalClass { width: 100% !important; padding: 10px 0 !important; } img { outline: none !important; text-decoration: none !important; -ms-interpolation-mode: bicubic !important; } .highlights-table font:hover { color: #60C !important; } </style> <IMG SRC="http://email2.moneysavingexpert.com:80/track?enid=ZWFzPTEmbXNpZD0xJmF1aWQ9MTI0MjQ1NDgmbWFpbGluZ2lkPTc3MjcmbWVzc2FnZWlkPTY0MDYmZGF0YWJhc2VpZD00MDAxJnR5cGU9b3BlbiZzZXJpYWw9MTY3Nzk4NTcmZW1haWxpZD1iYXJnYWluYmlibGVibG9nLmRlYWxzQGJsb2dnZXIuY29tJnVzZXJpZD0xXzQ3NDMzOSZ0YXJnZXRpZD0mZmw9Jm12aWQ9JmV4dHJhPSYmJg==" WIDTH="1" HEIGHT="1" STYLE="border-width:0; border-style:hidden;" ALT=""/>BargainBiblehttp://www.blogger.com/profile/01605274048362358186noreply@blogger.com1