| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter Premium Bonds: are they worth it?
They're shouting about more £1m prizes, but how do they really stack up? There's a staggering £49bn saved in Premium Bonds, and now NS&I, the Govt-backed savings provider that runs them, is shouting about a big boost as there are more £1m prizes. Here's the 10 things you need to know... | 1. | Premium Bonds mean your interest is a lottery. Premium Bonds are just a savings account, where the 'interest' paid's decided by a monthly prize draw.
Each £1 bond has an equal chance of winning a set prize from £25 to £1m - or most likely, nothing. The minimum you can currently buy is 100 x £1 bonds, the maximum was recently increased to £40,000. Don't believe urban myths saying things like 'old bonds win less' - that's nonsense.
Unlike savings interest (outside a NISA) the prizes are tax-free, which is bonds' big advantage. But of course, tax gain's irrelevant if you don't win. | | | | 2. | From this month there are two monthly £1 million prizes. It was one - but the odds of a £1 bond winning £1 million are still just 1 in 24,700,000,000. (I'd guess you'd get similar odds for tossing a coin and it landing on its side on an alien's head).
I was critical when this was announced in March's Budget, as for each new £1m winner, many people need to win nothing. Yet the 'prize fund' has also gone up from 1.3% to 1.35% (not said in the Budget) - possibly to forestall this criticism. So more £1m prizes are a boon, albeit a negligible one. | | | | 3. |  The prize fund 'interest rate' is 1.35% (tax-free) but you're likely to win less than that. The nearest thing Premium Bonds have to an interest rate is their annual prize rate. This describes the 'mean' average (think back to school maths) people will win. And it predicts someone with £100 will win £1.35 a year.
Yet, in practice this is impossible, as the smallest prize is £25. In fact, for every 20 people with £100 in over a year, 19 must win nowt for one to win £25+. To take this to its extreme...
Imagine I set up a lottery with a million £1 tickets, and one £1m prize. I could say "on average everyone gets their money back". Using the mean average this is true, but totally unrepresentative. A more representative measure's the 'median' average. To find that, line everyone up in order of winnings and ask the one in the middle what they won - ie, nothing.
So my view is 'average luck' should be defined by what the person in the middle wins, and as that's less than the interest rate, bonds aren't as attractive as they first appear. See Premium Bonds - are they worth it? for full info. | | | | 4. | Try the Premium Bond Probability Calculator to see YOUR chances. Tell our unique Premium Bond Probability Calc how many bonds you've got, and it analyses the prize distribution to show your odds of winning over different time periods, plus your chances of beating top savings.
The underlying maths is excitingly nerdy, as to work out the chance of 5,000 bonds together winning £500 you need each bond's probability, plus the fact £500 could be one £500 prize, five £100 prizes, 10 £50 prizes, 20 £25 prizes, or a combination.
To do it we got a post-doctoral cosmology statistician (someone who calculates the relative movements of stars) to build the multinomial algorithm. Here's a quick look at a few results for holding bonds for a year.
- If you've £100 you've only a 5% chance of winning anything.
- If you've £1,000 with average luck you'll still win nothing (only 37% win).
- If you've £10,000 you've a 69% chance of winning £100+, 35% of £150+.
- If you've £40,000 you've a 78% chance of winning £400+, but only 25% of people will win at least the £540 return the 1.35% prize fund predicts. | | | | 5. | Top cash NISAs will usually beat Premium Bonds. You can save £15,000 per tax year in a cash NISA, and like Premium Bonds the interest is tax-free.
The top easy access pick's BM Savings* 1.55% AER variable, which includes a 1.05% bonus for 12mths (after that ditch & transfer, but meanwhile it effectively ensures you get a min rate). Put £15k in it at this rate and you'll earn £230/yr - only 1 in 5 would match or beat that with Premium Bonds.
- More top cash NISAs (including higher-paying fixes): Top Cash NISAs
- Compare Premium Bonds to cash NISAs: Premium Bonds calc | | | | 6. | 5% 'bank account savings' smash Premium Bonds. In these times of pitifully low interest, we keep banging on about high-interest paying current accounts being the best place for your cash. And that's true here too.
Put £20,000 at 3% AER in a Santander 123* current account, and you'll get £450 interest a year (after basic tax & the £2/mth account fee). But the same £20,000 in Premium Bonds with average luck is only likely to win you £225.
There's also Club Lloyds* paying 4% AER if you've £4k-£5k and Nationwide FlexDirect* paying 5% AER for the first year on up to £2,500. See our 5% savings loophole guide. | | | | 7. | Premium Bonds oft beat standard savings esp for higher-rate taxpayers. The top easy access savings accounts (see top savings) pay 1.4% AER variable. That's still higher (just) than the Premium Bonds interest rate, but of course here you'll pay tax on the interest. And your tax rate really counts...
- Basic-rate taxpayer: With £10,000 in top savings, you'd earn £112/yr after tax, with Premium Bonds you've a reasonable 51% chance of beating it.
- Higher-rate taxpayer: On £40,000 you'd earn just £336 - put the same in Premium Bonds and you've a very strong 91% chance of getting more. | | | | 8. | Don't think of it as winning. The most powerful psychological sell of Premium Bonds is that interest is called 'winnings'. I often hear excited comments such as: "My friend wins £25 every few months!" Yet with £10,000 worth of bonds you should win £100/yr anyway - the same money in a top cash NISA would 'win' a certain £155/yr.
Normally in finance there's a risk premium: you should expect higher returns when there's a higher risk. For some perverse reason, with Premium Bonds people tend to be happy to earn less when there's a risk. | | | | 9. | Trace old bonds and check your winnings. It's estimated there's around £435m in lost Premium Bonds & other NS&I savings, see how to trace old bonds. Plus, check if you're owed an old prize - there's £47m unclaimed. | | | | 10. | Are Premium Bonds safer than savings? This was always their strength, as they're operated by NS&I which is backed by the Treasury. Now every UK-regulated savings account & cash NISA is protected up to £85,000 per person, per institution by the Govt-backed Financial Services Compensation Scheme, and you can only put £40,000 in Premium Bonds anyway.
You could argue, NS&I should never go bust (unless the UK does), while a bank may do, and you'd wait for compensation. Yet for practical purposes this is likely to make only a negligible difference, as the FSCS aims to pay out within seven days to the majority of savers. See Are Your Savings Safe? | | |
So are they worth it? If you've got debts you're usually far better off paying those off than saving. After that personally I'd put both cash NISAs and super-high interest bank accounts ahead of Premium Bonds.
Yet while I've long been known as a Premium Bonds naysayer, with current rates, for basic-rate taxpayers it's much of a muchness, while for higher-rate taxpayers Premium Bonds are a decent bet - and there's always the chance of winning big. |
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| Wed 13 Aug 2014 |
As eBay hikes fees, we've 40 eBay selling secrets
The giant internet marketplace is hiking costs tomorrow (Thu). List now to beat the higher charges "Just eBay it" - now so ubiquitous it's a verb. Yet few know the key tricks in our 40 eBay selling secrets guide. As a start....  eBay's fees increase tomorrow (14 Aug). Sellers still get 20 free basic listings a month, but many sales-boosting extras will cost far more. Eg, quality pics jump to £2.50 from 95p. Yet list today and you pay the old fees. Also from 1 Sept, there's a big hike for higher value items - while eBay will still take 10% of final sales, it's raising its cap from £75 to £250. eBay fee hikes info
- eBay selling tricks. Technique matters. Our 40 sellers' tips aim to boost sales, incl:
- Create multiple listings in advance. With bulk-upload tools, you can save and edit draft listings at your leisure.
- End auctions on Sun evenings. That's one of the busiest times for buyers and could help boost your final price.
- Get to the top of search results. A clever eBay tool shows buyers' most popular search terms, by category.
- Need inspiration on what to sell? Use the Popular Items tool for listings with most bids/watchers in the UK.
- Avoid 1- or 3-day auctions. The longer your ad's up, the more people will spot it, so opt for longer auctions.
- Tweak start prices. Modest start prices can spark more bidding, but the risk is it'll sell for the knock-down price.
- Build your rep. Most won't buy from sellers with no feedback - buy a couple of things to boost your reputation.
- eBay isn't the only fruit. Auction sites eBid and CQout* might be smaller but are still popular and allow users to list their items for free and take a cut of the final sale price. Many MoneySavers rave about local classified site Preloved* - it and Gumtree both allow sellers to list sale items for nothing.
Tips for eBay BUYING: See eBay local deals mappers tool & app and 40 eBay buyers' tricks back to top ↑ |
| Hi-Tec trainers 60% off code. MSE Blagged. Eg, £10 kids, £12+ grown-ups. And extra 25% off outdoor clothes. Hi-Tec FREE £30 M&S wine voucher. A reminder, use this new M&S 15mths 0% borrowing* card link (always do a quick eligibility check first) to apply by 31 Aug & spend just 1p on it by the end of Sept and you'll be emailed a £30 M&S wine/champers vch. Then just fully repay to avoid interest & cancel, though it's a near-best buy 0% spending card, so if you NEED to borrow it's good for that too. Clear before the 0% ends, or it jumps to 16.9% rep APR. FULL help: 0% Cards (APR Examples). Pls be Drinkaware. 2,000 Kurt Geiger shoe styles £39. Via its Shoeaholics web outlet, some were £99. Decent stock. Shoeaholics |
Hot travel money deals: Travelex 2hr flash sale + £5 bonus on £50 travel cash
We monitor rates for you so you don't have to. How to get the very best bang for your buck, euro or even dong... Our rate watch to get you the best deals continues. You should currently be aiming for £1 to get you 1.66 dollars or 1.23 euros. Here's how to get the most bang for your buck, euro, ringgit, colón, dong, rupee, quetzal, yuan or more...
 - Get constantly UNBEATABLE rates worldwide. If you're not going just yet, grab the specialist Halifax Clarity* credit card (always do a quick eligibility check first) as it gives bureau-smashing near-PERFECT exchange rates worldwide. Just set up a direct debit to repay IN FULL each month to minimise the 12.9% rep APR - then spend on it abroad for easy top rates. Full help: Top Overseas Credit Cards guide (APR Examples).
- Travelex flash 'airport pick up' sale. The boon of this big bureau's rate hike is you can order in advance for airport pick-up - at-airport rates are usually crap. Sales times - euros: Fri 15 Aug 11am-1pm. All others inc US: Thu 14 Aug, 11am-1pm. Use our Travel Money Rate Comparison to see how it stacks up (it'll update mid-sale).
PS. Competition on our TravelMoneyMax.com comparison tool is so strong (as it's very popular) that when one firm boosts rates, some of the smaller firms on there respond. So sales rates don't always win - yet you tend to gain. - Free £5 when you load £50 travel cash on top prepaid card. If you can't get or don't want a credit card, a prepaid card's a bit like an electronic travellers' cheque (lose it & you can get your cash back, but there's a fee to replace it). Our new top pick on rate (it's too new to know on service) is Ukash*. It's offering a bonus £5 to the first 5,000 people loading £50 in euros or dollars onto its card. More options, deals and picks for other currencies in Top Prepaid Travel Cards.
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| TEACHERS: Want to ask Martin a financial ed question? Hurrah. Financial Ed joins the National Curriculum in Eng this Sept after our successful campaign. Want teaching ideas, tips etc? Martin's doing a video Q&A. Pls submit questions. Huge A2-ish photo canvas for £15 code (usually £63) MSE Blagged. 40cm x 60cm canvas. Canvas Deals. Success of the week: (Send us yours)
"Searched for car insurance after being quoted over £1,200 at renewal. Got similar quotes for around £700 but then followed MSE route. Bingo - £500." - Kevin Ludwig
To try it yourself see our full Cheap Car Insurance system. Free £7.50 cocktail / £5 cider at Pitcher & Piano. Available to all over-18s. See Pitcher & Piano. Be Drinkaware. |
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| FLASH 12hr House Of Fraser up to 50% off homeware. Online from 5pm Wed. See HoF sale. Can you find £1 Justin Bieber? £20ish in the States and yet some say it's £1 too much. Also, £5 Star Trek dolls and £4.50 Super Mario characters all for a quid. Can you Belieb it? Figurine deals |
Urgent. Line & b'band equiv £11.31/mth (line paid upfront, £14.27/mth if not)
Hot deal HALVING some people's costs is ending. Check now - many currently pay over £15/mth JUST for line rent Many on standard Sky, BT, Virgin or TalkTalk package pay £300+/yr for broadband & phone line rental even before calls. Yet there's a host of seriously hot short-lived promo deals - you can't get going direct - that can slash your costs. A full run down in Cheap Broadband - here are the two biggies...  Ending. Hot deal for BT's Plusnet, incl £50 cashback. MSE Blagged. Till Tue (19 Aug) new Plusnet customers (via this specific link) get its unlimited broadband & phone* on a yr's contract for less than BT standard line rent. Here's what you need to know...
- Plusnet is part of BT group: A high 79% rate it good (of 863 votes in our June poll).
- Compulsory line rent: The cheapest way is paying £155.88 for a yr upfront (equiv £12.99/mth). Select this option during sign-up, or pay £15.95/mth.
- Unlimited b'band: Just £2.49/mth, so £29.88 for a yr (avail to 90% of UK). The cost rises after the contract ends.
- Included calls: None with the upfront line rent option (weekend calls to landlines if you pay monthly). Call costs are roughly on a par with BT - see Plusnet call cost info and our Call Cost-Cutting Tips.
- £50 cashback. Provided you use our link above (don't go direct), you'll be sent a £50 cheque 60 days after your broadband is live. If you don't have a router, you can get one free, but you'll need to pay £5.99 p&p.
Cost analysis: Pay line rent upfront, then the year's cost for that and the b'band (excl calls) is £185.76 (pay line rent monthly, it's £221.28). Then there's the £50 cashback - factor that in and the net cost to you is £135.76 for the yr, equiv to just £11.31/mth (pay mthly and it's £171.28/yr or equiv £14.27/mth).
Need a new line? If you don't have a line (or only a cable one and, in a few cases, Sky custs), installation's £49.99.- OR pay £162 for a YEAR'S line & b'band and get £100 Amazon voucher. MSE Blagged. A different structure, but for some far cheaper. Till 31 Aug use a special EE deal code and you can pay £132 upfront for the yr's line rental (or £15.75/mth), £30 over the year for b'band and get a £100 Amazon vch. If you'd spend that at Amazon anyway factor it in and it's effectively £62 over the year, equiv to £5.17/mth (pay line rent monthly & equiv to £9.92/mth). FULL info in EE deal.
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| Ending: UK's Cheapest Energy Deal & it's a fix. Do our top fixed deals comparison right now to find your cheapest tariff, and for most it'll be Co-Op Energy's Fair & Square. Those on a standard tariff with typical usage would save £191/yr plus the rate per unit is FIXED till Sept 2015, so no hikes until then. It launched 4wks ago for 10,000 homes, Co-Op says few are left and it's likely to end this week, possibly even Wed pm, so if you want it go quick. CODES & DISCOUNTS: Asos 20%, Topshop 10% sale code, Lilly & Sid 20% code...
Asos 20% off code (via £2 mag) | Topshop extra 10% off sale online (ends Wed) | H&M 10% off code
Lilly & Sid 20% off code | Ralph Lauren extra 20% off sale code | ALL Discount Vouchers Sky Sports £11/week pass launches. Via Now TV streaming, day pass now £7/day. See: 20+ football on TV tips Show Best Buys |
New. Top student accounts 2014/15
It's A-level results week. All banks have now announced their new offers. We've reviewed them to find the best Banks see students as giant pound signs. If they can win your custom now, they're likely to have gained a potential high earner for life. So make 'em pay to get you. Full help in our new Student Bank Accounts 2014/15 guide. The headlines...  How to choose. Sadly, most students need an overdraft (this lets you spend more than you've got). Luckily, if it's 0% interest, it has no cost. So in general, the one that'll actually give you the biggest and longest 0% overdraft is the key factor.
- Free 4-yr railcard & £1,500 0% for new AND existing students. Santander's 123 Student Account has a £1,500 0% overdraft lasting all of a 3yr/4yr course, which it says most applicants get. While it's not the biggest 0% deal, it's coupled with a valuable 4-yr 16-25 Railcard (RRP £120) getting 1/3 off rail fares. To qualify you need to 'pay-in' £500/term - all this really means is you need to pay your student loan in. If you're already a current student you can still switch to this.
- The biggest 0% overdraft. If the railcard's irrelevant, a slightly bigger overdraft's available from the Co-op Bank, which gives £1,400 in yr-1, £1,700 yr-2 and £2,000 yr-3 - it says most applicants get this. Halifax and HSBC both advertise up to £3,000 0% overdrafts, BUT our feedback shows people rarely get close to this, especially in yr-1, when you'll only definitely get £1,000 and £500 respectively. See our full Top 0% Overdrafts review.
- Student banking NEED-to-knows. a) You need a confirmed student place & ID to open most accounts. b) Banks will credit score you, but as long as there are no glaring problems you'll usually get the standard offer. c) An overdraft is still debt. While it's 0% during your studies, it'll jump to 10-20% after & will need repaying. d) Never bust your overdraft limit. It can cost up to £15/transaction and cripple your finances. e) Forget loyalty. At graduation, switch to the new best Graduate Account to maintain a reduced 0% overdraft.
More student MoneySaving: Student Loan Mythbuster | 50 Student MoneySaving Tips | Beware paying uni fees upfront back to top ↑ |
| Cheap Aldi DIY tools, eg, 4-in-1 hacksaw £5 (similar are £30 elsewhere). Ltd stock. Full rundown Aldi tools. Summer Holiday Kids Eat Free (if you eat too)....
Frankie & Benny's voucher Sun-Fri (before 5pm on Mon) | Real Greek voucher Sun only | Table Table Mon-Fri (before 5pm) Crown Carveries Sun only | Morrisons cafe Mon-Fri (after 4pm) | La Tasca everyday | ALL kids eat free/for £1 offers 20 Burger King vouchers, including 2for1s. Valid till 31 Aug. Incl 2for1 Whopper, £10 family meal. BK Deals
Show Best Buys |
| Show Vouchers and Top Deals |
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 CAMPAIGN OF THE WEEK
Is European tourist accommodation safe & accessible?
Have you been on holiday in Europe and found your accommodation to be unsafe, or inaccessible in any way? Have you had an injury or accident because of it? The European Commission, the body which runs the European Union, wants your views on the safety of tourist accommodation in Europe. Complete their full survey by Sun 30 Nov - see the MSE forum for the list of relevant questions and how to respond. MONEY MORAL DILEMMA
My ex is selling stolen goods on eBay, should I report him?
This week's MoneySaver who wants advice asks... When I split up with my ex-boyfriend he tried several times to get in touch via Facebook. I refused and blocked him and then received abusive messages from his new girlfriend. A friend of mine has now shown me his eBay account and it looks like he's selling stolen goods from his office. Should I ignore it and let it go? Or expose him after all the grief he's put me through? Enter the Money Moral Maze: Should I expose my ex? | Suggest an MMD | View Past MMDs THE GREAT HUNT
What are your best summer holiday tips?
Summer's in full swing and if you've already been away we want your best travel nuggets. From deluxe hotels at bargain prices, hidden hostels and super-cheap restaurants to ace free sat navs and travel guides, your most reliable car hire firms, top insurance policies and more. Share yours/read others': Last-second holiday tips Past topics: View all CHEAP FLIGHT SALES ALERT
Airline: Jet2 Offer: 20% off all flights Ends: Tue 19 Aug
Our pick this week is Jet2's* 20% off all flights sale which ends Tue 19 Aug. Each passenger gets 20% off the cost of any flight (excluding some charges and extras) until 15 Nov 2015. It flies from eight UK airports to over 60 European destinations. There is no code to enter, the discount appears automatically. Excludes group bookings (10+ people). Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance THE GREAT HUNT... REVEALED
Getting ready for retirement
About to retire? It's one of the biggest changes you'll make in your life and MoneySavers suggest working out a budget, getting a pension forecast, staying active by starting a new sport and using your free travel card. back to top ↑ |
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Martin's blogs | Martin's appearances 14 Aug
Good Morning Britain, ITV, 7.40am
Deals of the Week | 14 Aug
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel
Subscribe to podcast | |
MSE team corner - Team appearances:
- No team appearances this week.
| Discussion of the week Dealing with noisy eaters at work A potentially sticky issue, what's the best way for forumite Retrogamer to deal with loud chompers at work? Join the discussion in the Noisy eaters at work thread. | Cheap travel money |
This week's poll: What have you taken from a hotel room? Many see a hotel room as a free-for-all. They don't just use things while they're there - once they leave, they take all they can, sometimes crossing the border of legality. | Poll results The best (and worst) energy companies for service
Of the big six, EDF had the most voters rating it 'great' and Npower had the least.
The top three:
- 48% said EDF was 'great'
- 43% said E.ON
- 42% said SSE The bottom three:
- 35% said British Gas was 'great'
- 18% said Scottish Power
- 9% said Npower
6,837 voted. See the full results. |
Question of the week Q: My return holiday fight was delayed by more than five hours, meaning I missed my coach home. We have travel insurance, so can I make a claim for compensation? Leng, via email. MSE Leigh’s A: There are two possible avenues to claim, depending on the reason for the delay and what type of insurance you have. As you mention, one option is travel insurance. Generally speaking, you need a premium policy to be covered for a delay that causes you to miss connecting transport. Only a handful of basic policies offer this. That said, you're only covered if you incur additional costs, such as having to pay for alternative transport. Bear in mind also that most policies have an excess, which means you have to pay the first £50-£100 of any claim, so if the cost if less than that, you cannot claim. See Cheap Travel Insurance for more. The other route is aviation rules that mean if you're on a flight that lands or departs from an EU airport (or you're on an EU airline) and the delay is the airline's fault, you're entitled to up £480 per person, depending on the length of the delay, and regardless of whether you incurred additional costs. See Flight Delays for more. Please suggest a question of the week (we can't reply to individual emails). |
 Charlotte's free game of the week: Electric Box 2 |
How well do you know the movies? That's it for this week, but before you go, how well do you know the movies? Prove your film-watching expertise by guessing which famous flicks the cinema stills in this quick quiz are from. We hope you save some money, Martin & the MSE team |
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What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySaving Expert and Martin Lewis What is MoneySavingExpert.com?
Founded in February 2003, it's now the UK's biggest consumer help website with over 9 million people getting this email and nearly 13m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE Who is Martin Lewis? 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 The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Good Morning Britain, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography What do the links with a * mean? Any links with a * 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 product at all and the editorial line (the things we write) isn't changed due to it. 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 how this site is financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too:
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