Kim chambers

A borrower would need to find a savings rate of 3.75% if they are a basic taxpayer and 5% for those high taxpayers if they are to enjoy the benefit of overpaying on mortgages.

The first is a level term life insurance policy which will simply pay the benefit on death and as the name suggests will stay the same throughout the term of the policy. Once the policy ends it has no value.

The first piece of life insurance advice is never respond to mail shots, always research your options before going ahead to ensure you receive the right cover for you that will provide the best benefits.

Duel fuel schemes for gas and electricity will offer you a special combined utility discount, saving you money. Your gas and electricity bills could be much cheaper with a dual fuel scheme from a new supplier.

Burping, farting and excreting – all major sources of methane gas from cows which are causing a significant global climate problem. Curbing methane gas expulsion from animals could save the environment.

You can use smart meters to measure the effect on your energy consumption when you switch over from incandescent bulbs to energy saving CFLs. CFLs use four times less energy than incandescent bulbs on average, saving you electricity and money.

Buying breakdown cover from the same company that sold you women’s car insurance provides a number of benefits which will save you time and money. Women’s car insurance companies can offer some of the cheapest breakdown cover on the market today.

Z-Wave standard approved smart meters can distinguish the top smart meters from the less capable ones, making it a certificate of excellence.

Enjoy the sun filter across the land as you drift over the river Nile and amazing ruins, this is my personal favourite. You can glide over and look at the temples, monuments and tombs of Necropolis as well as the Valley of Kings. To make the most of a holiday to Egypt here are my top ten tips for having a truly unforgettable experience.

Newly qualified drivers are a risk for insurance companies and attract very high car insurance quotes. Pass Plus can help reduce the cost of insuring your car. Completing six Pass Plus modules can save you a third from all car insurance quotes.