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2nd March - 22nd March 2014

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Martin

LEWIS If I told I could give you £100s a year rates with no Far tooyou many people think “savings are so low, doing– anything?” Yet, while debt andwhy verybother little hassle and all you need to do rates are indeed spit-worthily low, don’t be is Ifchange plastic – purse wouldoryou? If is the you’veyour a family, your wallet probably complacent. Active, on-the-ball savers can grab answer’s yes, read on, istothe perfect up to 6%Having interest. So as Iiswant give you atime ratecrying. Children anow terrible investment. You boosting masterclass. The to put tofork grabout a cashback credit card.aim’s Forper many, it’s an an estimated £200,000 child byevery the penny where it earns the max interest. Many easy lucrative way toOf boost your income. in timeand they reach age 21. course, if you’re specialist higher-rate accounts only let youhappy pay limited amounts for short amounts time. So if to be repaid in hugs, it’s all more than of worth it. Yet you’ve big savings, you needthe to fill them up, Now’s because topgo deals willthen a fewthe tipsmoment to ease the burden never amiss... snowball on to the next best, and so on. Don’t boost cashback for the first threeAll months you overly worry about safety. UK-regulated have So apply that boost lastsare) for savings all NOW the ofand accounts below Are them. you(which missing £1,000’s childcare help? have fullpeople’s £85,000 per person, per financial one most highest-spending periods – ofthe institution savings safety protection. Yet that’s the January sales. There are two big ways you may be able to get cash not a reason to just put money in and forget if youit.pay about Monitor rates First, every and for childcare. dofew you months work over 16 if they drop, ditch and switch. This can serious cash. onepartner of my Twitter hours abe week (you andAs your if you’re a followers (@martinslewis), NM,£41,000 told me: couple) and earn underdebts. around in“Our total? If First, clear expensive cashback cards earned usreturn £250+for last year.” This that’s you, check if you’re eligable forsavings childcare tax The highest guaranteed comes from clearing expensive debts, starting with the isn’t unusual, I’ve heard of some bigget credit. This can beeven serious money - many over highest rates. Ifover yourthe debts costmark. moreSothan your spenders going £1,000 here’s £3,000 a year. To find out if you’re due, call 0345 savings earn after tax, clear what you can and what need to know: This applies to mortgages 300 you 3900. you’re onto a winner. too, unless you’ve early repayment penalties. Though with a mortgage, alwayscard have a cash Never pay interest on aemployer cashback Alternativly, see in if your childcare emergency fund savings beforeoffers clearing it. Cashback only win you if you a direct vouchers,cards which allow toset payupfor childcare

Earn AERpre-tax in regular PLUS free £100 debit toyour repay IN aFULL everysaver, month. If not, don’t from6% income. The way this works is The rate£2,000 on go the a for regular goyou forhighest a cashback card, formarket the bestis0% give up, say, a year of salary for £2,000 savings account, but it’s only available to new spending dealsHowever, (see as after tax of existing vouchers. you’d only have or Firstdirect.com current account www.mse.me/spendingcards). packet,won customers. Firstpay Direct’s every got aroundThough £1,400 inasyour it means customer service poll I’ve ever done and you’re £600 better£100 off. currently offers to switch to it, that’s Now you’ve got a debit card thatIts pays an still attractive proposition. 6%youregular Your credit card put is now aa month saver lets£3,000 you upeffectively to £300 ‘I saved adding mum and dad to car away for a year and thecard, rate’s fixed.you HSBC.co.uk monthly-billing debit provided stick insurance” customers get 4% AER on a similar product, within the limit. Use it for ALL spending instead while anyone can get the LeedsBuildingSociety. ofAdded cash, cheques and debit cards. If you’re a co.uk regular saver at 3.05% AER. Full info to the fear of seeing your teenager oninthe and more best ofbuys mse.me/regularsaver trusting relationship, addatyour as acan second road, the cost insuring onespouse to drive be cardholder, so their earns too. car,access terrifying. trick,spending if to they’ve their own is to Use currentOne accounts get 5% AER easy I always usedextra to say “never store in current try adding drivers with goodcash records (eg, accounts, asdad) youwho earn nothing”. While thatcar. still Huge cashback over the January sales mum5% and may occasionally use the holds true in fee thewww.americanexpress.co.uk main, bizarrely, these days The no annual It’s trail and error, but can have a big impact, as it a few bank accounts offer super-high interest Platinum Everyday card pays newbies 5% for rates you The highest is Nationwide’s did to fordraw one of myin. Twitter followers (join methe at FlexDirect (www.nationwide.co.uk/flexdirect) at first three months until January, up my to a insurance maximum @martinlewis): “As a new driver 5% AER, but you only get this rate forfail a year, and £100 back in that time. Though if you to fully wanted £5,000. After adding mumThe andstand-out dad, it only on balances up to £2,500. repay, it’s 19.9% rep APR. deal’s Santander 123’s (www.santander.com) 3% dropped to £1,900.” AER on all savings if you’ve £3k-£20k. It has a £2/ month fee, but pays to 3% cashback After the ends, theup rate’s to 1.25%, on bills. Weigh up5% if you’ll earn moreup than the fee before depending on how much you spend. a switching. With both, you need Ittorequires properly switch to them. Full info, pros and cons atofmse. decent credit score and household earnings me/bankaccounts. £20,000+.

Savings Masterclass

Is an Isa nicer? Up to 1.75% AER tax-free A cash Isa’s just a savings account where the taxman doesn’t remove 20% or 40% of your However, someone’s the tax mainyear, interest. you Youmust cannever put say £5,760 in each and itwhen remains tax-free yearcalled afterfronting year until driver they’re not. That’s and you withdraw it. info It’s on a no-brainer. Don’t think you’re it’s illegal. Full slashing costs for under-25s, locking the cash away - the top easy access deal including special policies, at is from postoffice.co.uk at 1.8% AER on £100+, with two penalty-free withdrawals allowed each www.mse.me/youngcar tax year. This allows you to transfer old Isas into it as well to boost their rates. The rate includes Ensure you’re less forso power a bonus for paying 18 months, it’ll almost certainly plummet after. Make a note in your diary to ditch andof transfer. Full buys andbig Isaenergy FAQs bills at www. Lots people in thebest house means mse.me/isas. more rooms, TVs on full blast, heating all that Lock in to up. 2.57% AERyou’re on the very water - itfor all up adds Ensure If you’redeal. prepared lock cashminutes. away without cheapest It only to takes a few Just access, you can earn more in a fix. Yet it’s plug in where live to an www.ofgem.gov.uk worth notingyou many pundits predict UK rates will rise comparison in 2015. Sositetoday’s best approved and it’ll findrates yourmay not look so good if you lock in for too long. cheapest.

These are the current top fixed deals for both

normal savings and cash Isas. They change Alternatively, Energy CLub daily – latestmy ratesfree are Cheap at mse.me/fixedsavings www.moneysavingexpert.com/energyclub will do One-year fixed savings: United Bank — 1.9% aOne-year comparison top picks cashforIsayou, fix: including Britannia — you 1.85% might miss,fixed and monitors tariff afterwards to Two-year savings:yourUnited Bank — 2.28% Two-year cash Isa fix:to movePost Office — 2.25% ensure you know when again.

Three-year fixed savings: Bank of Cyprus — 2.57%

Three-year cash Isa fix: Virgin Money — 2.4% Give pocket money as pay - otherwise you’re Checkfund your local credit union too ‘trust teaching’

Credit unions are local savings and loans co-ops.

Some have deals that beat the market’s best Pocket as a2.15% way toAER teachone-year kids buys, money’s such as under-rated 3% savings, fixesmoney and 2.5% easy-access Isas. They’re core lessons, providedcash you reward a workvery localised, so whether you can get these ethic, and don’t just dole out.or It work. teaches how todeals depends on where youitlive Locate ones manage an income by having a regular amount of near you at www.findyourcreditunion.co.uk. money you start to learn the concept of saving 1.5% AER standard easy access savings versus spending. If you’ve any left, the final option’s a normal easy access savings account. The top payers are and www.icicibank.co.uk Itwww.tescobank.com also incorperates “opportunity cost” - whether at 1.5% AER, although Tesco’s account they’d be better off spending the cashincludes on to a bonus rate for the first year,same so it’s likely something else. For a young child this is perhaps plummet afterwards. If you’ve big cash, as you’re onlyyou protected up sweeties to £85,000 “do want to buy with per your institution, money split week, the orcash institutions. every save upinto to getdifferent the toy you want?”

If you’re prepared to up the risk a little, it’s worth looking at peer-to-peer savings, which can pay up to 6%. Here your money’s lent to someone who wants to borrow it, via online financial matchmakers such as zopa.com, fundingcircle. com and ratesetter.com. This can be lucrative, but it has its risks, though the sites try to mitigate them. For full info, read mse.me/peertopeer. @MoneySavingExpert




3eradr Y

Community Service

The Purim Centre Megillah reading Every hour on the hour

Yeshivah Ketana Lubavitch London Rear of 1117 Finchley Rd. (behind Matok) NW11 0QB

Schedule: Motzei Shabbos March 15, 2014

7:15 PM, 8:00 PM, 9:00 PM, 10:00 PM, 11:00 PM, 12:00 AM

Sunday March 16, 2014

8:00 AM, 9:00 AM, 10:00 AM, 11:00 AM, 12:00 PM, 1:00 PM, 2:00 PM, 3:00 PM, 4:00 PM, 5:00 PM

Need an in house megillah reading?

07871510453 thepurimcentre@gmail.com Like us on facebook www.facebook.com/Thepurimcentre

wishing you and your family a

Happy Purim - ‫שמח‬

‫פורים‬


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If I told you I could give you £100s a year with no Well hardly simple as tothat debt andit’s very little hassleas – and all you need do let’s help you outoryou? awallet bit. The first isbut your plastic – purse would If is the Ifchange you’ve a family, your probably thing to read remember human answer’s yes, on, as isabout the perfect time crying. Having Children is anow terrible investment. You is estimated thatcredit we£200,000 survived forit’s tobeings grabout a cashback card. Forper many, an fork an child bymany the years without supplements, pills easy lucrative way toOfboost your income. or timeand they reach age 21. course, if you’re happy We survived, stayed fit and medicine. to be repaid in hugs, it’s all more than worth it. Yet stayed lean bybecause our diets and instincts Now’s top will a fewthe tipsmoment to ease the burdenthe never godeals amiss... alone. Based onfirst this, the firstyouplace boost cashback for the three months we should look for help with things have So apply NOWofand that boost for Are them. you £1,000’s childcare help? lasts such asmissing insomnia is our dietary habits. one of most people’s highest-spending periods – the January sales. There are two big ways you may be able to get cash One of the most common problems if you pay for childcare. First, do you work over 16 that we encounter nowadays is a This canof serious one of mydiets. Twitter hours abe week (youcash. andAs your if you’reThe a lack magnesium in partner our followers (@martinslewis), NM,face told me: “Our couple) and earn under around £41,000 total? we If biggest challenge we isinthat cashback cards us eligable £250+ last year.”weight This that’s you, check if obsessed you’re for childcare tax become soearned with isn’t unusual, I’vebeeven heard of some bigget credit. This can serious money -need many over loss, we forget that we certain spenders over theout £1,000 mark. here’s £3,000 agoing year. To find if you’re due,Socall 0345 vitamins and minerals to survive. what 300 you 3900. need to know: Why is Magnesium so important? Never pay interest on aemployer cashback card Magnesium various functions Alternativly, see if has your offers childcare Cashback only win you if you upfor a direct including the formation of bones and vouchers,cards which allow toset pay childcare debit repay IN FULL every month. If not, don’tis teeth. It pre-tax also helps inThe the fromtoyour income. waytransmitting this works of signals go forgive a nerve cashback card, go for the best 0% for you up, say, £2,000 a year ofand salary formuscle £2,000 contractions. is tax allyou’d very spending dealsHowever, (see This of vouchers. as after onlywell have I hear you£1,400 cry but I need sleep and I www.mse.me/spendingcards). got around in your pay packet, it means to lose Okay, hang on need you’re £600 betterweight!!! off. a minute..... Now you’ve got a debit card that pays you Your credit card is now effectively a to car ‘I saved £3,000 adding and dad Magnesium and mum Weight Loss monthly-billing insurance” debit card, provided you stick First andlimit. foremost, with calcium, within the Use it foralong ALL spending instead and potassium, magnesium ofsodium cash, to cheques debit your cards. If you’re a is Added the fearand of seeing teenager oninthe involved in a lot of chemical reactions trusting relationship, add your as acan second road, the cost of The insuring onespouse to drive in the body. mobilization ofbefat cardholder, so their spending earns too. car, is to terrifying. One trick, if they’ve their own as an energy source is one of those try adding extra drivers with good records (eg, reactions. Magnesium plays two Huge cashback over sales mum5% and dad) who maythe occasionally use the car. roles here. Firstly, it January triggers certain The annual fee www.americanexpress.co.uk It’sno trail and error, but can have a big impact, it enzymes that help digestion andasthe Platinum Everyday paysfollowers newbies 5% for did for one of my Twitter (join methe at If absorption ofcard fats and proteins. first three months until January, up my to a insurance maximum @martinlewis): “As a new driver we digest nutrients properly, we can £100 back£5,000. in cravings that time. if you foods. fail to fully wanted After Though adding mum and dad, it alleviate for sweet The repay, it’s 19.9% rep APR. dropped toway £1,900.” second magnesium helps is the

How to lose weight & relieve stress by John Hill

Magnesium, Stress & Sleep

Magnesium also common stress However, you mustis never sayasomeone’s the main reliever. Cortisol adrenaline, driver when they’re not. That’sand called fronting and the two human or flight” it’s illegal. Full info on slashing“fight costs for under-25s, stress hormones arepolicies, known toat be including special suppressed with adequate levels www.mse.me/youngcar

of magnesium. Magnesium is vital for the GABA receptors. GABA is a Ensure you’re paying less for power helps you to neurotransmitter that switch off when you need to. Ever Lots of peoplethat in the looking house means noticed atbigaenergy lap bills top- or more rooms,late TVs on blast,can heating all that reading at full night affect your water - it allThis adds is up.because Ensure you’re on the very is sleep? your brain cheapest deal. It only in takes a few to minutes. ‘engaged’ and order sleepJustyou plug in where you live to an www.ofgem.gov.uk need a calm mind. Magnesium will approved site well and it’ll help tocomparison do this as as find helpyour with cheapest. muscle relaxation which in turn helps you to nod off.

Alternatively, my free Cheap Energy CLub Magnesium Sources www.moneysavingexpert.com/energyclub will do are forsome good topsources aHere comparison you, including picks you magnesium: might miss, and monitors your tariff afterwards to ensure you know when to move again.

of

Brazil Nuts, Spinach, Red meat,

Conclusion

am assuming it would also be nice not

Cashew Seedsyou’re & Tofu Give pocketNuts, moneySunflower as pay - otherwise ‘trust fund teaching’

Weight loss is never asto simple Pocket money’s under-rated as a way teach kids as some people make out. If you want core money lessons, provided you reward a work to maintain a healthy weight and ethic, and don’t just dole it out. It teaches how to also actually be healthy, you need manage an income - by having a regular amount of to consider alllearn bases. Minerals and money you start the concept of savingand vitamins aretoessential to a healthy versus longspending. term approach to losing weight. I Itto also incorperates cost” as - whether get stressed“opportunity all the time well! they’d be better off spending the same cash on something else. For a young child this is perhaps “do you want to buy sweeties with your money every week, or save up to get the toy you want?”

way it acts with the cells to increase

After the 5% ends, the rate’s up to 1.25%,glucose insulin sensitivity. The more depending on burned how much for you spend. It requires a that gets fuel in the cells decent credit household earningsas of fat. means thescore lessand that gets stored £20,000+. (I will keep this simple for now).

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GIFT’s PURIM Appeal Bring your surplus Mishloach Manot & help make a difference Shushan Purim - Monday 17th March: 9am - 3pm Tuesday 18th March: 9am - 12pm at The GIFT Warehouse, 61-63 Watford Way, Hendon, London, NW4 3AX (Corner of Watford Way & Rundell Crescent)

PAI House, 2A Alba Gardens, Golders Green, London, NW11 9NR Please only bring food at these times and please DO NOT leave food outside the warehouse. Bring in date, kosher and sealed products only

Volunteers needed at the above times to help sort & pack! 020 8457 4429 | volunteer@jgift.org | www.jgift.org Registered charity 1153393

GIFT is a grassroots independent volunteer organisation whose purpose is to educate, encourage and promote a culture of giving and volunteering amongst young Jews in the community.


Prepare for

Purim with

Rabbi Rashi Simon’s revealing insights into the beloved yet mysterious

Scroll of Esther

Tuesday 11 March 2014 @ 8.30pm Kesher Community Centre 933 Finchley Road, NW11 www.kesher.org.uk Entrance free of charge

North - West

CIRCULAR

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KW3661 66 KW3661 KW3661

£99.99

DOTTY DISHES KW021132

£74.99

GREEN SPRING KW04209

£59.99

COFFEE AND CREAM KW3659

£49.99

EFFERVESCENT ELEGANCE KW02125

£39.99

HOT CHOCOLATE KW02122

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REFLECTION SECTION KW04180

£28.99

LOVELY IN LILAC KW00653

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Bring in your own gifts, to be exclusively arranged

DOUBLE CREAM KW3601

TREASURE CHEST KW04192

£94.99

DOUBLE REFLECTION SECTION KW04181

£69.99

VIVA LA VODKA KW04213

£59.99

SPLENDID SWEETS KW01192

£49.99

PREMIER BLACK KW04208

£39.99

FRAME CLEVER KW3611

£34.99

SPARKLY SWEET KW04189

£26.99

GRAPE GRACE KW00643

RUSTIC CHARM

£159.99

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A MUSICAL SENSATION KW01539

£89.99

CAFFEINE FIX KW3607

QUADRUPLE CHOCOLATE DELUXE KW01207 £59.99

CHOCOLATE BLOSSOM KW021810

£49.99

BIG NIGHT IN KW04193

BLACK TIE £89.99

KW0249

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GLENFARCLAS CHARM KW3466 £59.99

BUCKET OF PLENTY KW04191

£49.99

KW02111

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PASTEL PLEASURES £34.99

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BUCKET OF DELIGHT

FULL OF GLASS

JUST PEACHY

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£19.99

KW04194

Organisations & corporate accounts our speciality

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£89.99

PURPLE PLEASURES KW3664

£69.99

KW3608

£54.99

VANITY FAYRE KW04198

£39.99

LAVENDER L’CHAIM KW01100

BUCK£25.99

KW04176

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CHOCOLATE MORNING £19.99

KW00624

£129.99

GOLDEN HANDSHAKE KW02110

£84.99

MAUVE AND WHITE KW01170

£64.99

KW02112

£54.99

GROWING GRAPES FULLY £49.99

COOKIES N CREAM KW04218

KW04064

GORGEOUS GADGETS

EXOTIC BLEND

HOPE AND GLORY

COFFEE GOLD BLEND KW02006 £26.99

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CHOCOLATE FUSION

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BUCKET OF FUN £39.99

DOUBLE DISH KW04223

KW04197

WHISKY WARMTH £69.99

FEELING BLUE

BLOOM AND FLOW

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PEACHES AND CREAM WINE KW04172

£39.99

SUGAR AND SPICE KW04226

£32.50

LILAC AND CREAM KW04171

£24.99

THATS JUST GRAVY KW04212

£15.99


ORDER YOUR MISHLOACH MANOS!! Family, Friends, Neighbours, Machatonim, Teachers and Colleagues Exclusive Discounts for Large Orders Order before 7th March for an extra 10% Discount*! Limited delivery available ON Purim *T’s and C’s apply

www.labelletable.co.uk

Purchase gifts from gift lists Gifts and arrangements for FREE ‘gift wrap and delivery’ Purchase most of our in-store products at up to 30% off!

FREE delivery to NW2 NW4, NW11, N2, N3 & FREE instore pick-up. 3 R u s s e ll P a r a d e , N W 1 1 9 N N 0 2 0 8 -4 5 8 -1 3 3 1 labelle.table@yahoo.co.uk


‫בס”ד‬

the kumzitz continues... Thursday 3rd April ‘14 - ‫ליל ד’ ניסן‬ Walthemstow Assembly Hall

13 | PH OT OS

KU M ZI TZ 20

BY AV I YO DA

IK EN

Avraham Fried

London IN PARTNERSHIP WITH

For more information and sponsorship email info@kumzitz.co.uk or visit www.kumzitz.co.uk THIS EVENT IS FOR MEN & BOYS Brought to you by Duddy Iczkovits, Your Event & Simcha Coordinator


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