Product Promotion Network

added

Peter Kay cancels live stand-up tour due to ‘unforeseen circumstances’

It has been confirmed today that the Peter Kay Live Arena Tour will no longer be going ahead, due to unforeseen circumstances. In a statement, Kay said: ‘Due to unforeseen family circumstances I deeply regret that I am having to cancel all my upcoming work projects. This unfortunately includes my upcoming stand-up tour, Dance For Life shows and any outstanding work commitments.

‘My sincerest apologies. This decision has not been taken lightly and I’m sure you’ll understand my family must always come first. ‘I’ve always endeavoured to protect my family’s privacy from the media.

I hope that the media and public will continue to respect our privacy at this time. Once again I’m very sorry.’ Starting April 2018 in Birmingham, the tour was scheduled to take Kay across the UK with shows in Glasgow, Manchester, London, Leeds, Nottingham, Newcastle, Sheffield, and Liverpool.

How do I get a refund?

The statement released by Peter Kay added that ticketholders for both Peter Kay’s Live Arena Tour and Dance For Life shows will be refunded from their original point of purchase.

If the event you have booked is cancelled, rescheduled or has changed location, you are entitled to a refund of at least the face value of the ticket. It is a condition of membership of the industry’s self-regulatory body, the Society of Ticket Agents and Retailers (STAR), that ticket sellers refund the tickets face value price[1] when an event is cancelled. But, check the ticket seller’s terms and conditions before buying your tickets because although you’ll get the face value of your ticket back, you may be out of pocket on the extra fees charged by your ticket seller.

If you’re out of pocket for fees you can complain to the ticketing company. Some consumers have even submitted a small claims court claim to try to get their fees back.

I bought from a secondary ticket seller

You have fewer rights if you purchase tickets from a secondary ticket seller. Which? has put together some simple steps you can follow to get your money back[2] if you’ve been sold dud tickets by a secondary ticket website.

Get your money back

If for any reason you have difficulty getting your money back your bank or credit card provider can help.

I paid by credit card If you’ve spent more than GBP100 and less than GBP30,000 you can claim on your credit card if something goes wrong. Under Section 75 of the Consumer Credit Act,[3] your credit card company is jointly liable for any breach of contract or misrepresentation. Use chargeback If you paid by debit card You can ask your card provider to reverse a transaction on your credit or debit card in a process called chargeback[4].

Unlike Section 75, chargeback isn’t a right or law and offers no guarantees, but it is a way your bank may be able to help you.

Chargeback is also particularly useful where the cost of the tickets was under GBP100 and Section 75 doesn’t apply.

References

  1. ^ ticket sellers refund the tickets face value price (www.which.co.uk)
  2. ^ some simple steps you can follow to get your money back (www.which.co.uk)
  3. ^ Section 75 of the Consumer Credit Act, (www.which.co.uk)
  4. ^ a process called chargeback (www.which.co.uk)

Ask an Expert: can I give gifts to minimise inheritance tax?

Each week, the Which? Money experts answer your financial queries. You can submit your questions to money-letters@which.co.uk[1], or via our Facebook[2] or Twitter[3] pages.

Q: To minimise my estate’s inheritance tax liability, I have been making use of the GBP3,000 annual gift allowance, which I divide between my two sons. Can I also give them the GBP250 small gift allowance? Submitted via Which?

Money Magazine[4]. A.

Inheritance tax can eat up a substantial portion of your legacy. It’s charged at 40% above a certain threshold (more on which, later) but let’s cut to the chase – how can you legally reduce a potential bill? One of the easiest ways to do it spend your cash or give it away during your lifetime.

But there are restrictions on how much you can give away tax-free. Which? explains how gifts can help reduce your inheritance tax bill.

How much of your estate can you give as a gift?

Giving away parts of your estate – whether cash or valuable assets – is the primary way you can shrink your estate. This can help you bring down your heir’s tax bill, or even bring your estate under the tax-free threshold.[5]

There are some crucial rules to follow in terms of giving gifts. You can give away a maximum of GBP3,000 tax-free in each tax year, completely free of inheritance tax. You can also give as many gifts as you like of up to GBP250 – but they can’t go to the same recipients.

So if you’ve already given your two sons GBP1,500 each and used up your GBP3,000 allowance, you cannot give them a GBP250 gift as well without potentially incurring tax. If you don’t use your full GBP3,000 limit, you can carry forward the the unused part for one year. But what happens if you want to give more away?

Find out more: inheritance tax planning and tax-free gifts – the ins and outs of giving[6]

‘Potentially exempt transfers’ explained

After you die, any gift you made within the last seven years will be assessed to determine whether tax are payable. These gifts are known as ‘potentially exempt transfers’ or ‘PETs’.[7] Any PETs will be added to other taxable gifts you made in that seven year period, alongside any other chargeable transfers.

This total will be added to your estate to work out your total tax bill. If the total is less than your nil-rate band (GBP325,000 in 2017-2018), no tax will be payable. If tax is due on the gift, the person who received it will need to pay – which may come as a shock to some.

If you die within seven years of giving the gift, the tax rate your heirs pay gradually reduces the closer you get to this seven-year marker, as the table below shows.

Time period between death and making a gift Inheritance tax rate Less than three years 40% Three to four years 32% Four to five years 24% Five to six years 16% Six to seven years 8% Seven or more years 0%

When are gifts exempt from inheritance tax?

Gifts given more than seven years before your death are almost always tax-free, provided they are given to a person. In addition, even within the seven year period, the following gifts are generally exempt from inheritance tax:

  • Gifts between husbands, wives, or civil partners to one another
  • Gifts to UK-established charities, national museums, universities, the National Trust and other bodies
  • Gifts that are part of your normal expenditure – you’d need to show these form a pattern of regular spending and that it doesn’t affect your standard of living
  • Gifts to people getting married – each parent of the couple can give up to GBP5,000, while relatives can give GBP2,500 and anyone else GBP1,000
  • Gifts for maintenance of a husband, wife or civil partner dependent on you
  • Gifts to maintain education or training for children in full-time education or under 18

Find out more: inheritance tax checklist– what you need to know[8]

Do you need to pay inheritance tax?

Not every estate will face paying inheritance tax. Everyone has a tax-free allowance for inheritance tax – in 2017-2018, that allowance is GBP325,000.

It’s been at this level since 2010-2011, and is predicted to stay frozen until at least 2019. If you’re also passing on your home[9] to your children, and your home is worth GBP100,000 or more, your tax-free allowance increases to GBP425,000 for 2017-2018. From April 2017, the rules have changed[10], which may allow married couples or partners to pay less tax on their family home.

Above this threshold, your estate will be taxed at 40%.

Find out more: inheritance thresholds[11] – who has to pay

How else can I cut down my inheritance tax bill?

Aside from giving away or spending your money, you have a few other options for cutting down the amount your estate will be taxed – including:

  • Put life insurance policies under trust
  • Take out an insurance policy to pay your inheritance tax bill
  • Weigh up equity release

Find out more in our guide to avoiding inheritance tax.[12]

References

  1. ^ money-letters@which.co.uk (www.which.co.uk)
  2. ^ Facebook (www.facebook.com)
  3. ^ Twitter (twitter.com)
  4. ^ Which?

    Money Magazine (try.which.co.uk)

  5. ^ tax-free threshold. (www.which.co.uk)
  6. ^ inheritance tax planning and tax-free gifts (www.which.co.uk)
  7. ^ ‘potentially exempt transfers’ or ‘PETs’. (www.which.co.uk)
  8. ^ inheritance tax checklist (www.which.co.uk)
  9. ^ passing on your home (www.which.co.uk)
  10. ^ the rules have changed (www.which.co.uk)
  11. ^ inheritance thresholds (www.which.co.uk)
  12. ^ our guide to avoiding inheritance tax. (www.which.co.uk)

The Best Buy washing-up liquid that costs less than £1

Choose one of the three Best Buy washing-up liquids revealed in our latest tests and you’ll breeze through the washing-up after festive feasts – and you could save money, too. It’s the perfect time of year for big gatherings of friends and family, but once the crowds disperse, the task of scrubbing and scraping your way through piles of plates begins. Whether you’ve used five roasting tins for a show-stopping recipe, or Christmas revellers have used up every glass in the house, the best washing-up liquids will make light work of the challenge.

In our washing-up liquid tests, the very best clean up to twice as many plates as the worst-scoring options. We’ve tested 12 popular washing-up liquids from big brands and major supermarkets – three triumphed as Best Buys and, weight for weight, one of our Best Buys cost less than half the price of another. Want to find out which washing-up liquids are best – and best value for money?

Head to our Best Buy washing-up liquids[1].

Don’t pay more than you need to

Washing-up liquid probably isn’t the priciest item on your shopping list, but you can still save money without compromising on cleaning power. Our tests revealed one great value Best Buy washing-up liquid which costs less than GBP1 per bottle – that’s less that a third of the price of the most expensive option (per 100ml). Plus, Best Buy washing-up liquids can power through more grimy plates than others, so you’ll buy fewer bottles in the long run.

Ever splashed out for ‘premium’ options? We found one washing-up liquid that did just as well as its ‘premium’ counterpart, so you could be paying for ‘extra power’ that isn’t really there. Read all of our washing-up liquid reviews[2] to find out which it was.

Plus, our tests also revealed four Don’t Buy washing up liquids[3] that you might be best to avoid.

New, tough tests

Anyone who has tackled a cheesy lasagne dish or a gravy-encrusted roasting tin will know that baked-on fat is the most difficult foodstuff to wash off by hand. In 2015, we added a new ‘tough grease’ element to our washing-up liquid tests that revealed big differences between products. This year, we’ve enhanced this part of the test to make it even more realistic.

First, we bake tough grease into a metal tile. Then, we wipe it with even strokes of a sponge containing each washing-up liquid and count how many strokes it takes for all the baked-on grease to be completely removed. The results really separated the best from the rest – one standout performer cleared all the grease in just seven swipes, while the worst hadn’t shifted it after 100 strokes.

Our tests also measure how well each washing-up liquid removes lighter fat and grease, and how long the foam lasts when you’re cleaning everyday grime. That means that the washing-up liquids that score top marks are good all-round choices, while those that score poorly will leave you using extra elbow grease. For all the details on our rigorous testing process, find out how we test washing-up liquid[4].

Washing-up liquid reviews

Below are all the washing-up liquids we’ve just tested.

Follow the links to read our brand-new reviews:

References

  1. ^ Best Buy washing-up liquids (www.which.co.uk)
  2. ^ washing-up liquid reviews (www.which.co.uk)
  3. ^ Don’t Buy washing up liquids (www.which.co.uk)
  4. ^ how we test washing-up liquid (www.which.co.uk)
  5. ^ Aldi Magnum Premium Original (www.which.co.uk)
  6. ^ Ecover Lemon and Aloe Vera (www.which.co.uk)
  7. ^ Ecover Zero (www.which.co.uk)
  8. ^ Fairy Original (www.which.co.uk)
  9. ^ Fairy Platinum Original (www.which.co.uk)
  10. ^ Lidl W5 Original (www.which.co.uk)
  11. ^ Lidl W5 Platinum Original (www.which.co.uk)
  12. ^ Morrisons Original (www.which.co.uk)
  13. ^ Morrisons Power Burst (www.which.co.uk)
  14. ^ Method Lemon Mint (www.which.co.uk)
  15. ^ Tesco Original (www.which.co.uk)
  16. ^ Waitrose Ecological Grapefruit and Eucalyptus (www.which.co.uk)

1 2 3 68