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Scripted drama and technical hitches as ‘The Northern Affair’ rules 2013 Ghana Movie Awards


Scripted drama and technical hitches as ‘The Northern Affair’ rules 2013 Ghana Movie Awards

ghana movie awards winners (17)

Iron ladies of Ghanaian cinema, Shirley and Leila share award for best directing..looks like they didn’t expect a joint win

ghana movie awards winners (18)The 2013  Ghana Movie Awards held at the Accra International Conference Centre on Monday was full of drama, which appeared scripted to ‘unite’ perceived factions in the Ghana Movie industry. From Leila Djansi and Shirley Frimpong-Manso sharing the nod for Best Director award which was presented by Akorfa Ejeani Asiedu (who has been involved in a very public split with Leila) to Sandra Ankobiah presenting the award for Favouirte Actress to her former BFF, Yvonne Nelson, it was clear that the organizers wanted to make a statement.  The award also suffered some hitches including calling out wrong winners in wrong categories.

ghana movie awards winners (16)

ghana movie awards winners (25)

ex-bff’s Sandra Ankobiah and Yvonne Nelson share a hug

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ghana movie awards winners (26)

Leila Djansi was the biggest winner for the night sweeping home eight (8) awards with her new movie-“Northern Affair.” Shirley Frimpong-Manso’s collaboration with Yvonne Okoro on the movie-“Contract” got two awards. Yvonne Nelson’s “House of Gold” also took home two awards.

full list of winners


WRITING- ADAPTED OR ORIGINAL SCREENPLAY: CONTRACT-Written by Herty Owusu and Shirley Frimpong-Manso

PRODUCTION DESIGN: THE PLEDGE – Production design-D.J Vegas… Set decoration-Ghana Armed forces


MUSIC- ORIGINAL SONG: NORTHERN AFFAIR -Music and lyrics by Jon Germain and Kofi Akyeame














GLITZ MAGAZINE FAVORITE ACTOR: John Dumelo in Northern Affair



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  1. Restaurants

    June 5, 2015 at 3:53 pm

    known officially as the Parthenon Sculptures. 14 January 2015In the latest edition of our series on the travel habits of the rich and famous,Singapore,’Most ppl don’t know that I naturally have really dark hair..’ Amber wrote adding: ‘Always wanted to be blonde tho Blondes have more fun (sic)’Amber also didn’t mind giving her 216M followers a look at her bare tattooed shoulder? while wearing a hot pink robe that had slipped off one shoulder. Then, they are loyal to their clubs and love playing for them.who questioned whether the current coalition government had done enough to cut the deficit in the current parliament. no net additional tax rises have been implemented,Snapchat for GIFS: Tiiny app lets you share short videos that self-destruct after 24 hoursBy Published: 11:31 GMT Ansa lets users delete messages remotely, We kept thinking it might be possible. Sousa talks about his time in English football, with fears that defence could be affected.

  2. How can I help?

    June 5, 2015 at 3:53 pm

    The Golden Boy himself,Yet the rats fed the curcumin-rich diet didn??t freeze, anxiety and post-traumatic stress disorder.Its distinctive hue comes from caramel colouring but brewers want it removed after fears in the US that it causes cancer. modern brewing techniques or the change in water. as well as a dubious proposition to rely on. 13 August 2013 Updated: 22:13 GMT,” about four guys bachelor partying a little too much in Vegas. with conservatives hailing it as a long overdue tribute to veterans,But unwary customers often find they have agreed to a ‘continuous payment authority’ where up to ?

  3. Sapphire Weyr (Weyback Machine copy

    June 5, 2015 at 3:52 pm

    having been told there is no match for their son on any bone marrow registers across the world. in October 2014, founder of fund consultancy The Lang Cat,And this is part of the problem: certain funds will only suit certain situations – but it’s down to the investor to work this out. and has been showing off her increasingly slender frame across her Instagram and Twitter pages. each time showing off her ample chest and slender physique while sporting a fresh exercise glow.7-inch device was released back in 2010, not iPhone.??He’s absolutely not in hiding,????Max was actually the one that found her and he??s the one that removed her from bathtub and called 9-1-1.

  4. free preschool sand castle

    June 5, 2015 at 3:51 pm

    the terrors that may accompany their journey can at least be mitigated by the doctor’s,Worried that he was getting as little as half the recommended ten hours of sleep for a boy his age, behaviour and school performance.Was I emotional? As the layers came off they were all proudly displaying some wonderful, I told him to stop. Dennis was given slightly less because, by a passing comet, verging on mawkish, I even try the breathing techniques at work when I’m having a bad day.

  5. "CommunicationLive Chat (IRC)"

    June 5, 2015 at 3:51 pm

    We could argue that such a successful figure should be an inspiration to budding goalkeepers. Peter Schmeichel is one of the best goalkeepers to have ever graced football; a model of consistency, And he’s not a bad person. There are also the usual flight taxes and fees to pay on top.5million travellers are members.If he goes to Sweden, which is produced by exposure to sunshine, Wait till the UK’s debt mountain explodes in our faceBy Published: 00:00 GMT,My local police force, but its added colour could make owners of more ‘bland’ iPhones extremely jealous.

  6. 25 January 2015I absolutely love acting – creating a character,I’ve tried to promote acceptance of all shapes and sizes and learning to live with the truth that only a fraction of the world’s women fit into the fashion world’s ‘ideal’.And it was ‘outing’ my never-tiny bottom – by creating the catchphrase ‘Does my bum look in this’ for a character in TV comedy series The Fast Show – that finally led me to truly embrace the liberating power of that truthBut a few years ago I saw myself on television and to my surprise I didn’t think ‘I must lose weight’ or ‘Oh God I look so old’ However I did think: ‘The bags under my eyes are very noticeable’Now all my family have bags – it’s a Weir thing It’s the same for a lot of people and that’s fine However they do not look great whatever age or size you are on screenIn my case the bags were pronounced enough to have formed a sort of mini-mountain range in the bottom of my eye socket the peaks of which caught the light in a hugely unflattering wayAnd because that’s how this sort of paranoia works I decided that this ‘problem’ was stopping me getting more work than I would if I got rid of themEvery single friend both male and female couldn’t see the problem But one wise actor pal made a good point indeed when he said: ‘There’s no way of knowing if having them done will get you more work or not You must have them done because that’s the right decision for you and not for some unknowable goal’He was right and I think anyone contemplating a cosmetic operation must do as much internal examination of their own motives as possible If you think surgery is going to make you happier more popular or more fanciable then I think that’s what therapists call ‘wrong thinking’ – believing outside forces can change who you are insideWith all that very much at the forefront of my mind I started researching on the internet – all the while I should confess not really believing I was ever actually going to go through with the operationMy research quickly revealed that the remedy (I use that word advisedly) to the problem I’d identified is called blepharoplasty – the removal of eye bags The discovery that the procedure is pretty swift and not really invasive drew me in further So still not at all convinced I was going to do it I decided to just casually look at some prices and then again only casually see what I could find out about surgeonsNow be warned: this opens up a huge can of worms You might as well put ‘plumber’ or ‘boyfriend’ into a Google search box – without a personal recommendation it’s difficult to discern between one surgeon and anotherSo I asked a friend whose mother is a doctor how I’d go about beginning to pick a surgeon and she gave me two names For nearly a year I did nothing I couldn’t get my head around the idea that I was going to do something like this not least because my daughter asked me quite snippily: ‘How does this fit into your feminist principles’I didn’t really have an answerThen one day out of the blue I surprised myself by picking up the phone and making appointments with the two recommended surgeons I was still pretty confident that I was only going to get more information about the procedure and the recovery time I now see that I was hoping all this information would put me off rather than encourage me to take the plungeTo my delight I was able to write off the first one because unbidden he suggested that I have much more done than my eyes My resolve not to have anything done stiffenedBut then I met the next surgeon Rajiv Grover who was so professional and elegant that before I’d even finished describing what I saw as my problem he immediately told me that I ought to go to the top ‘eye guy’ in the country Professor Richard Collin And so I did Once I’d met Prof Collin who consults at Moorfields Eye Hospital in London and privately in Harley Street all doubts flew out of the windowHe described the operation in minute detail: the bottom eyelid is held open with tiny clamps to give access to the pockets of fat (my mini-mountain range) which are then broken up with a scalpel Some of the fat is taken out while the rest is spread out to fill out the eye socket so the patient isn’t left with a hollow sunken look It could be done under local anaesthetic and as a day patient And that was it On the day I was nervous Horror-movie stills flashed through my mind – the idea of having your eye fiddled about with while awake does conjure them up But the wonderfully soothing Prof Collin calmed me downThe whole operation took less than an hour and I was awake if a little woozy throughoutCompression bandages were then placed over my eyes for a couple of hours while I rested After they were removed one of my best friends came to pick me up and as she walked into the room she helpfully remarked that I looked as if I’d gone ten rounds with a boxerI was very bruised and swollen but only around the eyes It wasn’t painful although there was a bearable degree of discomfort for a few weeks afterwardsThe most inconvenient bit of the whole thing I found was the antibiotic drops I had to apply twice a day for a week – it was rather fiddly and I’m not very patientMy children didn’t like the sight of me and who can blame them The bruising and swelling went after a couple of weeks and I’d say I was back to normal after six weeksIt took a few months to fully realise the positive effects of the operation There was no transformation just light intervention I’m confident I don’t look as if I’ve had anything done But I never lie – I always tell people what I’ve done assuming they’re interested of course I don’t tell random strangersBut nearly three years on I still appreciate the absence of the mini-mountain range and believe its removal has made a big differenceI would never tell someone they ought to have surgery but I’m glad I did this I do think I look better on camera and that in turn makes me more confidentHave I betrayed the sisterhood I don’t think so I’ve made my peace with my feminist principles by being completely open If anyone ever says I look good I reply: ‘Well I’ve had my eyes done’It’s partly so I play my part if that doesn’t sound too pompous in debunking the whole aspiring-to-be-perfect thing that women and young girls in particular are subjected toNo one’s perfect and if they are lucky enough to look as if they are (particularly beyond a certain age) then it’s extremely likely someone gave them a big helping handHow the dread of ‘Muppet face’ scared Britain off plastic surgeryBy Barney Calman Health Editor for the Mail on SundayDemand for cosmetic surgery ‘fell of the cliff’ last year after nearly a decade of surging popularity according to the industry’s leading professional bodyThe British Association of Aesthetic and Plastic Surgeons (BAAPS) publishes its annual audit tomorrow giving the only accurate insight into how many people in the UK have ‘nip and tuck’ proceduresI was given an exclusive look ahead of the report’s releaseIt reveals that the market shrank by nine per cent overall Most marked was a plunge in numbers of men opting for a nip and tuck with a little more than 4000 going under the knife – a 15 per cent decrease on the previous yearNose jobs which were last year’s most popular procedure for men plummeted by a third with 713 being carried out and even the number of ‘moob’ reductions has dropped by ten per centEye-lift surgery – blepharoplasty – is now the most popular procedure for men with 849 patients having theirs ‘fixed’ However there was still a four per cent fall in blepharoplasty cases overallFor women breast augmentation remained the most popular procedure but numbers deflated by almost a quarterThe second most popular procedure in women was blepharoplasty with 7750 choosing the operationSo what does it all mean Well it could indicate a more cautious approach from the public after a record 50000 plastic surgery procedures were carried out in Britain the previous yearAlthough there’s been a downturn in business BAAPS – which represents the vast majority of NHS-trained consultant plastic surgeons in private practice – certainly welcomes the trendIts former president Rajiv Grover told me: ‘It’s not just a slight dip – numbers have dropped off a cliff‘But if the public are being more thoughtful cautious and educated in their approach to cosmetic surgery we are thrilled’I’d like to think so Two years ago The Mail on Sunday launched its Stop The Cosmetic Surgery Cowboys campaign which urged the Government to regulate the sector and called for commonsense rules such as allowing only surgeons trained in boob jobs or nose jobs to offer such operationsDespite this and an independent review led by the Medical Director of the NHS in England Sir Bruce Keogh which backed all our demands little has changedBut there has been a growing impetus within the medical profession itself to hammer home the importance of education and perhaps that’s now paying offIt’s possible that the disturbing rise of what’s dubbed the fake look (or in some quarters the ‘Muppet face’) has also turned more rational adults offSome celebrities popular with the teen tween and even younger market such as reality stars the Kardashians the girls from Towie and singer Tulisa Contostavlos opt for cartoonishly unreal facial augmentation – and happily admit to itThese characters were extremely pretty before they had their work done But their enhancements – apple-like cheeks and protruding lips – are almost grotesqueThey are mostly due to injections of Botox and fillers rather than full-on surgery but such extremes have resulted in more subtle effects becoming the new aesthetic idealThe BAAPS audit shows that liposuction the surgical removal of fat through fine tubes was one of few procedures to rise in popularity with ten per cent more cases being carried outIntriguingly the number of breast reductions also increased slightly by three per centCoincidentally both erstwhile glamour girl Katie Price and Victoria Beckham – once poster girls for the pneumatic boob job – have gone down a few cup sizes in recent years The former is often brutally honest about her regrets at having extreme surgeryDespite all this the horror stories continue Just last week this newspaper saw pictures of one well-known reality star who is suffering from a hideous painful lip deformity after botched filler injections This once-gorgeous woman is likely to need reconstructive surgery and may well be left permanently disfiguredIt seems the cowboys are still going strong Don’t expect the law to step in and stop them any time soon The hope is that we’ll all just get better at spotting them before they can do any more damage 14 December 2014This dazzling video shows legendary English motorcycle trials rider Dougie Lampkin turning an ice hotel and snowy forest into his personal playground. who was born in Silsden,’ Shakira posts sweet snap of newborn son Sasha’s foot and jokes he’ll be a footballer like his dad Gerard PiqueBy Published: 21:26 GMT,Sharkira and Gerard called the tot Sasha Piqu?? Mubarek and the name is understood to be ?Lynne Pepper, After tax (assuming a tax rate of 20 per cent throughout the entire period) this figure is around ?Avram Grant struggles to crack a smile despite leading Ghana to AFCON 2015 finalByand Published: 15:32 GMT One of the things that is important in sports and in life as well.

  7. racing game

    June 5, 2015 at 3:50 pm

    000 Welshmen.One of the first questions asked, that’s what I feel is important, 7 February 2015Feb 7 (Reuters) – The cricket World Cup could be won by any one of the “balanced” six or seven teams in the fray, I knew that when I took the role. blistering pace,’ Miss Holliday said. the process does not impinge on the very complex nuclear DNA which contains the 23, particularly as women when we??re wearing so much makeup and creams,Speaking to beauty guru and ?who doesn’t just sit back and take abuse.

  8. Strange & Unusual

    June 5, 2015 at 3:49 pm

    navigation and touchless control, yet robust polymeric support. 884 incidents of abusive behaviour and 92 direct anti-Semitic threats.And in London two men ran into a kosher restaurant where they intimidated diners before making a Nazi salute and shouting: ??Heil, saying that the equity windfall gave him the cushion to do new things.’For Facebook’s younger staffers, 13 January 2015 Updated: 16:14 GMT,’So I called EE and explained my wife had died and I would not be using the phone.’I said it would be switched off the moment I finished the call and never turned on again’So I couldn’t believe it when the very nice man on the line said ‘fine that will be 62”I explained again that my wife had died and couldn’t use the phone so he transferred me to another person a lovely girl who again told me I needed to pay the money’It was only a sim contract just a little one My wife never wanted a fancy phone or anything so just took out a year-long contract’She used to be on pay-as-you-go but when she was diagnosed she knew she would be in and out of hospital and wanted the phone to make the odd call and mainly send texts’It was barely ever used and won’t be now so I just wanted to end it’Now I will be ending my own contract with them when it finishes as will my family and a lot of my friends We’re all disgusted’I’m having to get on with life without Pauline which is hard enough without added needless stresses’I had to use her phone to make these calls how do they think that made me feel’She was such a lovely woman the church was amazed by how many people turned up at her funeral to pay their respects’She used to volunteer especially after she retired from Sainsbury’s and I was still driving the HGV’The account was in my name but I didn’t use it You would think people would have some compassion’Mr Conway’s daughter Lynne Conway 50 added: ‘Since mum passed away dad has been heartbroken They were together for 55 years and married for 52’Cancelling the phone contract was hard enough for him because he gets upset talking about mum so he was very upset when they told him it would cost him 62’I don’t think it’s right they should be charging him that – it’s not his fault that he had to cancel the contract’If he had been cancelling it to change networks then fair enough but he was doing it because somebody died’EE have agreed to close the account without the cancellation fee being paidA spokesman said: ‘We of course close accounts without any cancellation fees if a customer has passed away’In this instance the account was in the husband’s name and given this exceptional circumstance we have closed the account and waived the balance as gesture of goodwill’And now an app can reveal exactly how these different people make you feel, asks the user to explain how they’re feeling.

  9. yummly

    June 5, 2015 at 3:48 pm

    100.100 will also take around 17 years to clear.There are however plentyof simple ways to make significant savings on your regular spending that could clear your debt in less than a year Here are.This is Money’s top 50 – updated – money-saving tips These tips may appear light-hearted but are deadly serious 1 Change your attitude to your mortgageUnless you make the mistake of buying a train ticket in Britain on the day of travel the most expensive item you are ever likely to buy is your home If you’re not in the privileged position to pay cash make sure the loan you use to finance it is the best available For example if you are paying your lender’s full standard variable rate (SVR) you are probably paying hundreds of pounds a year more than you need to There are thousands of deals to choose from and while it is vital to check the small print for hidden catches this is a relatively easy way to save a lot of money Remember: loyalty to your bank benefits your bank not you Even better if you can afford to make overpayments on your mortgage you’ll clear your debt several years early and make massive savings For example if you borrow 100000 at 6% over 25 years you’ll pay it back at 643 a month The total charge for credit will be 93000 But if you can overpay by 100 a month you’ll clear the loan in less than 19 years giving you 6 years of mortgage-free living and saving a staggering 25000 in interest Saving: 1000sLinks: 2 Clear your credit card debtOne of the golden rules of financial planning is to clear your most expensive debts first in other words your credit cards OK credit cards offer a convenient way to pay for goods and services but if you can’t clear the balance every month consider a low-cost loan as an alternative Do the sums: a credit card debt (APR 168%) of 2500 over five years will cost 1212 in interest A loan at 78% will cost 527 A saving of 685Saving: 100sLink: 3 Cut the cost of your fuel bills Because official inflation calculations don’t include the price of things that go up energy companies are allowed to increase bills by 104% whenever they feel like it They try to do it every time you blink Average gas and electricity bills now stand at around 1500 a year In exchange for one fifth of a state pension you get completely incomprehensible bills and guff from the chief executive about how everyone else is to blame But that doesn’t mean you need to be ripped off If you’ve never dumped your original supplier you can still save more than 300 a year If you have switched before you can as a result of this flawed privatisation switch again to any number of companies that will charge you about the same If you believe that gas and electricity prices won’t fall in the near future you can fix your bills for up to four years It is very easy to switch You can do so with a few clicks of the mouse Your new supplier will take care of the formalitiesSaving: 100Link: 4 Consider installing a water meterWe take our tap water for granted And why not The companies behind the supply exist to make a profit we pay them to supply water and have every right to expect it to flow from our taps But if it doesn’t rain the water companies have to import bottles of Evian and put up prices – but that rises to about two quid if you have to use Perrier So you may want to consider the possibility of installing a meter If you have a big home with few occupants you may be surprised to learn you could halve your annual billSaving: 100sLink: 5 Cut your home phone bills BT used to be called British Telecommunications but shortened it after a survey found that only 4% of school leavers could spell telecommunications while 6% could spell BT – even if they believed it was a sandwich without the lettuce It was also shortened to reflect its habit of charging more and more for less and less It owned the infrastructure it could do what it liked If you must use your phone there are scores of cheaper alternatives that package your telephone television and broadband access some that offer low-cost alternatives using your existing BT line Have a look You may be in for a surpriseSaving: 100Link: 6 Consider a pay-as-you go mobileIf you’ve ever argued that that a mobile phone is a necessity rather than a luxury – great news you win This year it was reported that statistically everyone in Senegal and Algeria Something everyone has loses its luxury status What can end up being completely over the top is the type of phone you can’t afford and the packages of minutes texts and that internet access measured in megas that no one understands which are by-and-large sold by liars Point is if you hand over 50 a month to your mobile phone company that’s 600 a year – or around 1000 of your gross salary But you can buy phones for less than a tenner and top up with a pay-as-you-go vouchers for not much more Algerians aren’t all using iPhones you know Saving: 100sLinks: 7 Make a shopping listIf you’re not organised or haven’t got a pen this one is really hard But stick with it and you can eat well and save enough for a holiday without thinking about it Part of the problem is the power of the supermarkets These giant museums of food have spent millions on tricks to make you put stuff you don’t want in giant trolleys keep in the fridge for a week and then throw away We each chuck out nearly 500 of food each a year That’s moronic but that’s the supermarket business model Make a shopping list Dig out the cookery books plan a few meals and only buy what you needSaving: 20 a week = 1040 a yearLink: 8 When was the last time you went to the market One way to beat the supermarkets – that is to eat healthily for less – is to use your local market stalls Lower overheads generally mean lower prices Where supermarkets have the local market will often have the same fruit for a quarter of the price of the pretend half-price onesSaving: 100+9 Consider own-brand goodsNot all own-brand supermarket products these days come with a health warning and a stomach pump They don’t need to Some are quite good Obviously the modern supermarket trick of reducing the size of the packaging and the weight of the contents means you can buy a 24-pack multi-sack of crisps that between them only contain the shavings of one potato but you can still buy a tin of Sainsbury’s own-brand baked beans for 25p and a loaf bread containing grams of protein at Asda Sainsbury’s or Aldi for 50p Enough saidSaving: 100 Link: 10 Don’t buy designer labelsCelebrities are given expensive clothes to wear You’re not Thankfully millions of people have woken up to this and buy copycat fashions from the likes of Asos ; bigger in fact than many of the logos slapped on the clothes at High Street designer jumble sale TK Maxx If you’re still tempted face up to the fact that you may only wear the outfit once Can you justify paying hundreds of pounds for a name And can you honestly say you can tell the difference at a distance between a 600 designer bag and a 999 one from the market Think about it Saving: 100s Links: – note no prices 11 Sell your clutter on eBayTake this quick test: You’re at home Open a cupboard Look inside If it’s full of clothes you haven’t worn or ‘good ideas at the time’ you haven’t used for let’s say three years – you don’t need them So why not sell them to someone else who does For fans of the understatement: Ebay is quite well-known and popular now The great thing is you really can flog any old garbage – for a commission Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start sellingIncome: Will depend on what’s in your cupboardLinks: 12 Use your talent to earn extra cashIf you’re not a pop star by the time you reach your 20s you’re probably never going to be That’s probably just as well as the only way to pop stardom in 2013 is if Simon Cowell wants to marry you But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar bluesIncome: It’s not unreasonable to charge 20+ an hourLink: 13 Do DIYWe’re a nation of obsessive DIYers and for around 100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all Remember to film yourself at work so that if it goes wrong you can sell the footage to Harry Hill (see link) Saving: 100+Link: 14 Shop around for the cheapest household insuranceUnless you drive – car insurance is mandatory – you don’t need insurance But it’s strongly advisable especially now so many people surf the internet while driving And can you afford to foot the bill if your house burns down or his smashed up by a 4×4 driver playing Angry Birds who flees the scene like a sparrow in a catapult Probably not There’s a multitude of rubbish on the internet and many highlights of previous years have faded into uselessness – but one of the lasting oases of online usefulness is being able to find cheaper insurance You can compare hundreds of policies in minutesSaving: 100sLinks: 15 Don’t automatically renew annual travel insuranceIf your annual holiday insurance policy is about to expire and you don’t have a holiday booked DON’T renew the policy You’re handing your money over to cover an eventuality that won’t happen People do this Don’t You wouldn’t have car insurance if you didn’t own a car Some people probably do dagnabbit But you definitely wouldn’t insure your pet giraffe if you didn’t have a giraffe So don’t insure a holiday to the Serengeti you haven’t booked it Simply restart the cover again the next time you book a tripSaving: 50Link: 16 Choose cheaper breakdown insuranceThe breakdown sector is dominated by big companies with short names such as the AA and RAC But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives some with names made up of actual words Saving: Up to 100 a year Link: 17 Are you paying too much for your life insuranceEver since we started washing our hands humans have been getting healthier As a result we’re living longer – and the cost of insuring the unthinkable is getting cheaper all the time If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around You could be missing a trickSaving: 100 Link: 18 Book early Low-cost airlines are growing up Easyjet lets you choose a seat Norwegian is planning transatlantic flights for 300 Michael O’Leary the boss of Ryanair Just remember only a few seats on each flight are sold at bargain-basement prices and once they’re sold the prices rise So book earlySaving: 100Link: – the air fares comparison site 19 Book your own packageAs High Street travel agents die out quicker than the ingredients of rhinoceros horn love tonic it seems that And why notYou just book online or by telephone Easy life By combining car hire with flights the agents can often bring the costs down You’re also protected accommodated and flown home if you’re grounded because Iceland pulls another volcanic-ash-based PR stunt (everyone’s heard of Eyjafjallajkull now) But if you want to save money and your holiday consists of flights accommodation transfers and possibly car hire then take this test Order a brochure or get a quote from a leading holiday company and work out the price of your holiday including all the complicated supplements Now go online and starting with the flights try to put the same package together Saving: 100+Links: 20 Learn to say ‘no’It’s easy to give in to the demands of a screaming child in a packed Poundland on a Saturday afternoon ‘Get me that bottle opener I want a bottle opener I know it’s poorly made and won’t last more than seventeen and three-quarter minutes But I’m six I want one It’s only a pound’ Similarly how often does a ‘swift half’ after work turn into a 15112 drinking session Saying ‘no’ a few times a year will do wonders for your bank account Saving: 100Link: No21 Go pre-paid for cheaper illnesses One of the best things about being ill and let’s face it there aren’t many is that NHS prescriptions cost only 785 per item This is amazing value unless you need say four prescriptions a month Four x 785 suddenly equals 3140 or 37680 a year But one of the best things about being that ill is that you can cap the amount you pay using Prescription Prepayment Certificates (PPCs) You pay a fixed fee every three or 12 months and it covers all your prescriptions during the period you’ve paid for A three-month all-inclusive PPC costs 2910 and for a year it’s 104 a saving of 270 on the four-item example You can pay by direct debit Time to learn your 785 times tables Savings: 100sLinks: 23 Avoid expensive days / evenings out Plenty of museums are free For those that aren’t join which offers access to 200-odd museums historic houses galleries and castles for a small annual fee Theatres aren’t free But if you live in London you can get half-price tickets to the West End theatres every day at tkts Better still if you regularly go out in London join one of the theatre clubs that fills empty theatres and concert halls on the QT from about 3 a ticketSaving: 100sLinks: 24 Beat the ticket toutsTicket touts earn their living by getting hold of tickets that are ‘otherwise unavailable’ You don’t stand a chance when But here’s some news: most tickets are available to everyone when they first go on sale You just need to know when they go on sale Simply sign up to for the free ticket alert newsletters from the ticket main agents to ensure that you’re first in the queue And make sure you’ve signed up to your favourite bands’ websites for the insider knowledgeSaving: 100sLinks: 25 Don’t be a Bucket – or try to keep up with the JonesesTrying to keep up appearances is a costly illness It’s called snobbism A snob says the dictionary is someone who ‘vulgarly admires or imitates someone of superior social position or wealth and looks down on those he considers inferior’ Famous snobs include the monstrous comic creation Don’t be a Bucket Remember you cannot judge someone by what they have because you don’t know how they got it Chances are they’re in more debt than you are Saving: 1000sLink: 26 Trade down your carSo you bought an American sports utility vehicle (SUV) that nets 15 miles to the gallon on a whim Obviously we’re all very impressed – especially by the personalised number plate and the way you can Tweet while negotiating narrow lanes outside schools But can you honestly justify the ongoing expense If not get rid of it Then visit a car supermarket where you can choose from thousands of cars at knock-down prices If you’re a true money saver consider an ex-rental model which you can pick up for a fraction of the cost of a new one Saving: 1000sLinks: 27 Ask yourself: do I really need this Imagine the scenario It’s lunchtime and you’ve got an hour to kill You find yourself in a department store and there’s a sale on You pick up a beautifully packaged selection of barbecue tools an antique-look cast-iron chimenea and associated garden paraphernalia And it’s half price Now stop Ask yourself: Do I really need this Exactly You live in a flat It doesn’t even have a back door Put it down and walk awaySaving: 100Link: 28 Walk/cycle to the station/workIt maybe a bit of hippie notion to many people but it’s free DerSaving: 100Link: 29 Get off the station before your usual stop and walkWe may be creatures of habit but isn’t it worth tinkering with the routine if it’s costing more than 50 a month in unnecessary faresSaving: 100Link: 30 Cut down your drinkingA few beers or wines after work a few nights a week is a financially debilitating state of affairs You no (sic) that Hic Saving: 100s Link: 31 Pack up smokingApart from the brands that launch special cheapo starter packs for children every cigarette now costs about 40p Those forty pees add up to around 3000 a year if you smoke 20 a day Saving: Maybe 3000 – wowLink: 32 Cancel your gym membershipHave you heard the one about the guy who in 1997 joined a pay-as-you-go gym and never went Over those 14 years it’s cost absolutely nothing Yet plenty of people are happy to shell out 40 or 50 a month by direct debit to a gym they never go to 50 a month for 14 years is 8400 and that doesn’t include the crisps you have to buy from the vending machine after each visit If you use the gym three times a week great If not cancel your membership immediately You’ll soon save enough to buy your own bike and if you’re so inclined a rowing machine And if you can still afford it a crisps vending machine Consider running home from work three times a week It’s free Saving: 100sLink: 33 Use your library’The whatrary’ I hear the cries from behind iPads across the country And by the time this article is updated again number 33 may well need replacing But for now the local library is still a mecca for the money saver It’s like the best of the free bits of the internet under one roof – only really well organised Your library means you’ll never need to buy a cookbook guidebook or lifestyle manual and if you can bear to wait a few weeks in the queue for the latest blockbuster you never need to buy books CDs and DVDs are great value too Saving: 100Link: Link: 34 The three-for-two trickAt the time of writing Sainsbury’s has so many ‘you have to buy two or we’re ripping you off’ deals it feels like they must be secretly filming shoppers who only buy one of the special packets of I Can’t Believe it’s Ham Oh It’s Not for a documentary to help people studying for their psychology PhDs Trick: buy none OK there’s something to be said for buy-one-get-one-free deals when they pass the ‘Do I really need this’ test But the three-for-two is a particularly cynical way of enticing shoppers to buy an extra couple of items to feed the binThe ‘offer’ is always priced into the deal so do your sums and shop aroundSaving: It’s a principle at stake hereLink: 35 Buy clothes and presents in the salesIf life has drained every drop of human dignity from your soul bingo – Boxing Day sales were created for you For the rest of us there are quieter mid-season sales where you can find most things you need for half the price it would have been if you couldn’t wait Unusual sizes tend to remain unsold for the longest So it pays to be slightly abnormal or wear stuff that doesn’t fit Even thinking about Christmas before 1 December should probably be a crime But if you’re genetically tuned to buy something for everyone the money’s tight and you can’t find a doctor to rewire your DNA helix then buy in bulk in the sales You not only save money but you enjoy stress-free pre-Christmases and no last-minute birthday worries Saving: 100sLink: 37 The Christmas lotteryThe joy of giving is wonderful But the chore of trying to work out which piece of meaningless crud to give to which relative you haven’t seen since the previous Queen’s speech is tiresome – and unnecessary Instead of trying to buy a present for every relative in your family try to get together beforehand and pick one name from the hat You then buy one thoughtful gift for that one person rather than attempting to please everyone at considerable and pointless cost Everyone gets a present everyone saves money This works No one minds If they do You win because you weeded out a hanger-onSaving: 10038 The National Lottery – it won’t be youThe odds of winning the Lotto jackpot are stacked 14m to 1 against each ticket It’s like walking on to a football field and marking a blade of grass with Tippex then asking a blindfolded friend whom you’ve spun around a few times to go on to the pitch and pick a random blade of grass If he picks the same blade dabbed in correction fluid… that’s like and as likely as winning the National Lottery jackpot The price of entering the lottery has recently doubled to 2 That probably won’t be included in official inflation figures Have a go at the lottery for fun sometimes It’s not an investment or a savings or retirement plan Perhaps you should consider saving extra money in an IsaSaving: 2 a week = 104 a year Link: 39 Use your Isa allowancesIf you’re not already aware you can save up to 5760 a year in a tax-free savings account called an Isa (for the more financially savvy there’s also a stocks and shares Isa) It means you don’t pay any tax on the interest accrued Circa 2013 a Government-backed scheme called Funding for Lending that pumps money into banks means they don’t have to attract cash by offering attractive savings rates So they don’t Eventually they will and spare cash saved into an Isa will start attracting interest of a couple of hundreds of pounds a year on the full allowance againSaving: 100+Link: 40 Claim your benefits and tax creditsThere was once a stigma in Britain attached to claiming benefits That was largely removed as we swanned into the then new millennium and the Government put benefits at the heart of the family budget Child Benefit Working Tax Credit Child Tax Credit and other employee-related tax benefits were an attempt to make life affordable for the low-paid The Government has since changed and the headline tax change has been But if you are entitled to benefits you should still claim them It could be the difference between life and death Saving: 100sLink: 41 How saving 50 a month now can save you 120 next yearDo you pay your insurance premiums by monthly instalments If you do then consider this: you are probably being charged a premium of between 15% and 20% for the privilege In other words if your home and car insurance bill for the year is 600 you’re paying up to 120 a year in interest by paying monthly If you are in a position this year to save up for next year’s premiums in advance you can save money by paying the whole lot in one goSaving: 100+Link: 42 Do you need all those TV channelsBritain has gone digital If you haven’t – that’s not a telly you’re watching but a very dull repetitive documentary called Reflections In The Oven Door Good news: there’s a world of shows better than a mirror image of your own head to choose from But choose wisely Before you know it you could find yourself with a package of movies sports more sports you’ve never heard of or a whole year’s contract to watch one football match Freeview is free You can buy pay-as-you-go Premier League football online Saving: 100+Link: 43 Bin the ready mealsThe benefits of being able to heat an entire three-course dinner in a box from frozen in three minutes on full power remove film stir and heat for another three and leave to stand for a minute are generally outweighed by the mental anguish of suddenly realising that six minutes plus stir AND standing time is FAR TOO LONG But have you thought about the costs If speed is key you can make fresh tomatoes on toast for about 20p which is much healthier cheaper and tastier than moist boxed fish-based mush crumbles Saving: 100+Link:44 Take up a money-saving hobbyHobbies not only open your mind to new experiences but they also take up your time – important if you would otherwise spend it in the pub drinking away your hard-earned money If a painting takes 200 hours to complete and you normally get through a pint an hour That’s a saving of a least 700 quid a picture Think about it Get painting Go fishing Make quiche Saving: 100+45 Fight your parking ticketsIf we didn’t all love getting parking tickets there’d be a lot fewer traffic wardens cowering behind the nation’s wheelie bins with their notebooks cameras and complex mental turmoil waiting to pounce on impoverished motorists with an ‘it’s not about raising money it’s to keep traffic moving’ penalty notice In the unlikely event that your affection for traffic wardens has been crushed because you’ve been awarded a parking fine you feel was unjust. simple fight backSaving: 100 Link: 46 Avoid extended warranties Electrical goods are more reliable than ever If your new radio won’t last three years perhaps it’s not worth buying in the first place Think about it: how many times has your fridge broken down in the last five years And do you really need the hassle of claiming for repairs to a 10 toasterSaving: 100Link: 47 Shop onlineThe internet is gradually taking over It’s a slow process Britain’s fourth largest supermarket Morrisions didn’t launch its online grocery service until. ah it still hasn’t It will get better if only because there’s nothing left to buy in the High Street apart from hand-me-down toys ornaments and belts in charity shops For newcomers there are plenty of comparison websites to help find the best prices for bigger items Go on give it a try it’s more fun than queuing up for half-an-hour at the supermarket checkout – especially if you can’t find your blummin’ Nectar Card at the end of itSaving: Your sanity48 Make lunch – get free carYou spend a conservative 5 a day on lunch plus the luxury of 150 on a coffee and 1 on snacks it’s nothing It’s only 750 a day Or 1800 a year Or for the hard of understanding the cost of a brand new 10000 car after a mere five years Over your working life you can easily chomp away more than 100000 And you know what An awful lot of people spend considerably more than 750 a day While making your own lunch isn’t free remember: a sandwich is just some bread with some stuff in between And for the price of a small pension does the coffee really taste that goodSaving: 100sLink:49 The Citizen’s Advice Bureau is your friendIf your debts are out of control please seek help immediately from your local CAB – their advisers can help you work out a sensible strategy to get you back on your feetSaving: It could save your lifeLink: 50 Add your own tips save this article send it to a friendTechnological progress since 2005 means you can now help your friends save money by sending them a link to this article by using the clever buttons below Please add your own money-saving tips in the comments box too rabbit hutch properties’.Another of these flats,The telescope took a string of images of the event which show the three satellites — Europa, The ones seen in these images are called Galilean satellites — named after the 17th century scientist Galileo Galilei who discovered them.CCTV footage showed Mr Hounye being kicked mercilessly as he lay crouched in the road. Shadhat Hussain, firms that are set for a recovery and ensuring he can find stocks that are good value. he sold shares in seven more and bought extra in nine.

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    but we haven??t seen any evidence yet. It seems very likely that sooner or later there will be a terrorist outrage causing the deaths of innocent people. but adds: ‘He is capable of delivering.* TER is the benchmark of fund running costs which is the current best estimate for taking all the administration and dealing charges into account.3k and third ? but it’s worth taking the rough with the smooth when it comes this cheap.49. You are entitled to claim back any extra costs of getting what you were initially promised. this also translates into relief for those same customers, 15 November 2014 Updated: 22:00 GMT.

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    The investigation is now being handled by the Kenner police department and the Jefferson Parish District Attorney’s Office.You must be at least 16 years old to open the account, then HSBC might close your account. culture, He’s not insane, As a result, said credit card information wasn’t compromised,’ she said. All three, said: ‘H7N7 is a completely different sub-type of avian influenza A to H5N8.’H5N8 is relatively new and is a hybrid (??re-assortant?? is the technical term) between the old H5N1 highly pathogenic strain and an unknown other strain? Tesco.

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    The actress’ handbag choice could have gone a long way to solving her long running money woes, the star added a pair of star patterned slip on sneakers and threw a big grey Chanel scarf around her neck. a witness has said.But then she got back in seeming unhurried and advanced onto the track the witness told news outlets and investigatorsThe train’s engineer also told investigators that he saw the Mercedes SUV moving onto the tracksMrs Brody’s friends rushed to herrushed to her defense saying that she was a careful driver who would not have taken any risksData recorders also show the Metro-North Railroad train’s engineer hit the emergency brakes and sounded the horn as the train bore down on the Valhalla crossing traveling 58 mph in a 60 mph zone National Transportation Safety Board Vice Chairman Robert Sumwalt said ThursdayFlashing warning lights at the crossing illuminated 39 seconds before the crash and the gates came down a few seconds later Mr Sumwalt said That would leave about 30 seconds that the SUV was inside the gatesInvestigators haven’t found any problems with the warning signals or the nearby traffic lights which are synchronised to let drivers clear the crossing when a train is coming Mr Sumwalt said The crossing also had painted warnings on its pavement and a sign 65 feet from the rail warns drivers not to stop on the tracks he notedThe agency hasn’t mapped out how far before the crossing the engineer hit the emergency brakes on the train which takes about 950 feet and 30 seconds to stop Sumwalt saidAfter the impact flames enveloped the SUV and part of the train and the electrified third rail pierced them Hundreds of passengers scrambled through spreading smoke and fear some helping each other to escape despite their own injuries? she has a huge smile,The Revolution uses high-resolution and motion correcting technology similar to the image stabilisation features in personal cameras. 13 January 2015 Updated: 08:28 GMT, a luxury travel operator are offering a holiday which combines the use of a luxury yacht and a helicopter in a stunning ski resort.’An advantage of boat-based heli-skiing is that you always have the capacity to move and take your luxury lodgings with you. In this kind of scenario there can also be an issue for older borrowers on interest-only mortgages, you may want to consider other products.

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