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twenty-three, and so on. All these are evidently sections, as it

scientific diagram, a weather record. This line I trace with my

this line in any of the dimensions of Space generally recognized?

`But,' said the Medical Man, staring hard at a coal in the

`Not exactly,' said the Medical Man. `There are balloons.'

the present moment.'

Psychologist. `You CAN move about in all directions of Space,

staying six feet above the ground. But a civilized man is better

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exist. All real things--'

natural infirmity of the flesh, which I will explain to you in a

one direction along the latter from the beginning to the end of

THE THREE DIMENSIONS OF SPACE EXCEPT THAT OUR CONSCIOUSNESS MOVES

reference to three planes, each at right angles to the others.

Four-Dimension geometry. Professor Simon Newcomb was expounding

similarly they think that by models of thee dimensions they could

one who repeats mystic words. `Yes, I think I see it now,' he

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for instance, they taught you at school is founded on a

`Is not that rather a large thing to expect us to begin upon?'

NIL, has no real existence. They taught you that? Neither has

a mathematical plane. These things are mere abstractions.'

animated. The fire burned brightly, and the soft radiance of the

he put it to us in this way--marking the points with a lean

misconception.'

`Is not that rather a large thing to expect us to begin upon?'

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represent one of four--if they could master the perspective of

the thing. See?'

`I think so,' murmured the Provincial Mayor; and, knitting his

The Time Traveller (for so it will be convenient to speak of

incandescent lights in the lilies of silver caught the bubbles

he put it to us in this way--marking the points with a lean

this new paradox (as we thought it:) and his fecundity.

`You must follow me carefully. I shall have to controvert one

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---

one who repeats mystic words. `Yes, I think I see it now,' he

being, which is a fixed and unalterable thing.

But certainly it traced such a line, and that line, therefore,

Space? Right and left we can go, backward and forward freely

movement.' `Still they could move a little up and down,' said

the present moment.'

where the whole world has gone wrong. We are always getting away

immaterial and have no dimensions, are passing along the

Mega sales, £10/mth b’band, 1.5% savings, cheap iPhone XR, beat train tix hike, £5 prosecco, gift return rights, debt help, beauty tricks

Hi - here are your latest deals, freebies, tricks and messages to help you save.

                                                           

27 December 2018 Email not looking great? View online

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CARDS RECLAIM UTILITIES BANKING DEALS TRAVEL INSURANCE MORTGAGES SHOPPING INCOME

 

12 post-Christmas MoneySaving crackers - incl Boxing Day sales, £10/mth broadband, gift return rights & cut debt to 0% It's Christmas week so if you're at a loose end, bored at work or just want to escape the relatives, we've a sackful of tips to boost your coffers. Some are timely, some are simply good ways to save if you've time on your hands. Here goes... Mega Boxing Day/Jan sales, eg, Asos, John Lewis and M&S up to 50% off. They are in full swing, with many retailers adding new lines or boosting offers. See our full sales round-up. Don't like those dodgy socks or garish jumper? Your gift return rights. The law can seem restrictive but stores often go over and above, so if you've had a mistletoe and whine about an unwanted Cliff Richard CD, you may be in luck. - What are my rights in law? If faulty, a buyer can get a refund - see the definition of fault. If not faulty, you've no rights if bought in store but if they're quick the buyer can usually get a refund whatever the reason if bought online, by phone or mail order - see online return rights for full help.  - What extra do stores give? They often allow you to return something 1mth-ish after purchase whatever the reason, but if not faulty you may need to settle for an exchange. Some allow longer for Christmas presents and they don't always insist on the buyer returning it, especially if you've a gift receipt. See our Xmas Return Rights guide for full info. STOP paying credit or store card interest - get 27mths at 0% with NO fee. If you've existing card debt - eg, you overdid it at Christmas - a 0% balance transfer card can be your financial superhero. This is where you get a new card to pay off existing cards, so you owe the new one, but interest-free. What really counts is which card you'll be accepted for, so use our 0% Balance Transfer Eligibility Calc to check your chances of getting most top cards before applying, without harming your credit score. Here are the standouts: - Top pick for most: 27mths 0%, NO FEE. Most 0% balance transfer cards charge a one-off fee, as a % of the debt shifted. But this Santander card (eligibility calc / apply*) is fee-free, and gives the full 27mths 0%, if accepted. - New. Get PAID if you can clear it quicker. This Barclaycard (eligibility calc / apply*) is up to 20mths 0% with no fee and if you transfer £2k+ you get £20 cashback, though you could be accepted and get fewer 0% months. Bizarrely, you're charged a 2% fee of the amount shifted, which is then refunded, so it's effectively no fee. - Longest 0%: up to 32mths. We've long said 'get the card with the lowest fee in the time you're sure you can repay', but it's not so simple now as lengths have shrunk. The Post Office (apply) is up to 32mths 0% for a 2% fee, but only gives 5mths more than Santander, so you don't get much more for the fee. Plus you could be accepted and get fewer 0% months. Always follow the Balance Transfer Golden Rules (for full help, see Best Balance Transfers and APR examples.) a) Clear the card or transfer again before the 0% ends or you pay 18.9% (Santander) or 19.9% (the other two) rep APR. b) Never miss the min monthly repayment or you can lose the 0%. c) Don't spend/withdraw cash. It usually isn't at the cheap rate. d) You need to ask the new provider to do the transfer - you then owe it instead. e) You must usually do the balance transfer within 60/90 days of opening. £10 champers and £5 prosecco. If you want to see in the New Year with bubbly, we've rounded up corking champagne & prosecco deals. Please be Drinkaware. New. Slash your broadband & line bill by 75% - pay '£10.24/mth' for standard speed broadband or '£15.84/mth' for fibre. Millions overpay for broadband & line rent by shelling out up to £45/mth, yet hot deals for new customers have just launched at a fraction of that price - but like most broadband crackers, they're short-lived. - Standard, avg 10Mb b'band speed (ends Tue). BT-owned Plusnet is an equiv £10.24/mth over the 1yr contract if you pay line rent upfront and bank a £75 cheque that comes within 30 days of activation. - Faster 35Mb fibre b'band (ends Mon). Vodafone is an equiv £15.84/mth over the 18mth contract if you claim and spend a £75 Amazon, Currys PC World, M&S or Tesco voucher. For lots more help and options, use our Broadband Unbundled tool. Should you 'downshift' your beauty regime in 2019? Eg, £6 Aldi substitute for £20 Benefit bronzer. Lots of stores sell own-brand items that mimic designer brands. MSE Rhiannon assesses how much you could save with the Beauty Downshift Challenge. Ending. Get £110 cashback on £1,000+ Ratesetter 3%-ish investment. This is about peer-to-peer investing, which comes with risks so is not for everyone. If you'll do it, our special link gives newbies an 11% head start on £1k+. It ends when the last 1,500 go, or Mon, whichever is first. Full info + pros and cons in Peer-to-peer lending. Make it your early 2019 resolution to beat the savings rip-off. Bag 1.5% easy access. Many languish on pathetic sub-1% rates, yet it's possible to smash these. All deals below have full £85,000 per person UK savings protection. - Top easy access: 1.5%. If you want to be able to add or withdraw money when you want, Marcus Bank*, a UK arm of US giant Goldman Sachs, pays 1.5% AER (min £1 & it includes a fixed 1yr 0.15% bonus). - 1yr fix: likely 2.1% + possible £10-£100 cashback. With a fix, you earn more but your money is locked away for the term. Gatehouse Bank's 2.1% deal beats other 1yr fixes, but as it's a sharia account the 2.1% is technically an 'expected profit rate', though it's always paid out previously. If you apply via savings marketplace Raisin, newbies can get £10 cashback on £10k-£39,999, or £80-£100 on higher sums. More info and lots more deals in Top savings. Ends 3pm Mon. £600 off an iPhone XR contract with low upfront cost and 30GB/mth data. The latest iPhone is never MoneySaving, but if Santa didn't deliver you a new handset and you want one, at least do it cheapest. We've spotted a cracking deal for O2 newbies* (via Mobiles.co.uk) to get 30GB/mth data + unltd mins & texts on a 64GB iPhone XR for £50 upfront then £38/mth for 2yrs, and you automatically get a £50 cheque within 3mths of ordering. All in, it's £912 over 2yrs. That makes it £600 less than getting the deal direct from O2 and it's about the same price as the cheapest way to get a MUCH lower 4GB/mth. For more deals & help, see Cheap iPhones. Beat the Jan train and tube season ticket hikes if yours expires soon. Most prices rise on Wed 2 Jan by up to 3.2%, but buy before and you pay 2018 prices for 2019 travel (almost always cheaper, though check). This can save big, eg, a year's annual Leeds to Birmingham season ticket rises by £254. To check if you should do it, plus restrictions, see our Cheap Train Tickets guide. Save £250+/yr switching energy before the full winter blast hits - and don't be fooled by the impending price cap. Next week sees the implementation of the cap which the regulator insists will make costs fairer, as many standard tariff prices will fall. But that doesn't make them good prices as the savings are pitiful compared to switching to a cheap deal. On typical use, you'll still likely pay an avg £1,220 on a Big 6 standard tariff over the next year, yet the cheapest deals can cost £100s/yr less. To help, we've arranged a special deal with a rare combo of excellent price and service. Bulb's Vari-Fair deal costs an avg £970/yr on typical use - after the usual £25 Cheap Energy Club dual-fuel cashback and extra £25 dual-fuel bill credit we've blagged for you. You can get cheaper but only via minnows, often with little feedback.  In contrast, Bulb supplies 860,000 households and was rated 'great' by 76% of its customers who voted in our recent customer service poll. As it's a variable rate prices can move, but there are no exit fees to ditch it if they rise. The link above has full info on the Bulb deal and goes via our Cheap Energy Club to compare against the rest of the market to help you decide what's best for you. Got serious debt? Make an appointment with a debt counsellor ASAP. Many struggle at this time of year. If your non-mortgage and non-student loan debts are bigger than a year's after-tax income, you can't meet your minimum repayments or you're having sleepless nights over debt, a non-profit debt counselling agency is the place to turn. They get rammed in January, so if you're going to do it, book your appointment now. There's free, one-on-one help from Citizens Advice, National Debtline, StepChange or, if you're struggling emotionally too, CAP. Full info in Debt Crisis Help. Remember, these agencies are there to help, not judge. The most common thing we hear after is: "I finally got a good night's sleep". PS: You'll notice this festive week email is shorter than usual. But we'll be back IN FULL with the next one on Thu 3 Jan. From all of us here, wishing you a happy and financially fabulous New Year.

 

 

DON'T believe the fake ads on Facebook Lots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

AT A GLANCE BEST BUYS 0% balance transfers No-fee 0%: Santander* 27mths 0%, no fee (18.9% rep APR) Longest 0%: Post Office up to 32mths 0%, 2% fee (19.9% interest after)   Car insurance Get comparison site quotes in this order: MoneySupermarket.com* Confused.com* Gocompare* Compare The Market* Then check insurers they miss:  Direct Line* Aviva* Cheap loans Cheapest for £5,000-£7,499: Admiral* 3.4% rep APR Cheapest £7.5k-£15k: Cahoot* 2.8% rep APR Broadband top picks Standard b'band & line rent: Plusnet equiv £10.24/mth Fibre b'band & line rent: Vodafone equiv £15.84/mth Best bank accounts Up to £185 in vouchers when you switch: M&S Bank 5% interest fixed for a year: Nationwide FlexDirect Top savings accounts Top easy access: Marcus 1.5%, min £1 Top one-year fix: Atom Bank 2.05%, min £50

 

 

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THIS WEEK'S POLL How did you fare financially in 2018? With the year drawing to a close, we want to find out if you're financially better off now than at the start of 2018. Whether you saved money, paid off debt, overspent, borrowed or had a pay rise, tell us - how did you fare financially in 2018? Your favourite Christmas film is more than 70 years old. In last week's poll, we asked which festive film (from our list of 44) is your favourite. The 1946 classic It's a Wonderful Life came top, beating Love Actually and Elf into second and third place respectively. See the full Christmas film poll results.

 

 

MSE TEAM BLOG - Got a student loan? Bizarrely, working extra shifts or getting a bonus this Christmas could COST you cash

 

 

MSE'S BEST BLOOPERS OF 2018 - SOMETIMES EVEN THE EXPERTS MAKE MISTAKES...  That's all for this week, but before we go... It's been another busy year at MSE Towers and we've recorded more than 130 videos. As much as we try to come across as flawless in front of the camera, it doesn't always happen. So because you've been so well behaved this year, we thought we would give you a little extra gift showing that we don't always get it quite right first time. Take a peak at the Best MSE video bloopers of 2018. Enjoy... We hope you save some money, The MSE team

 

Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. 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 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 MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it's now the UK's biggest consumer help website with more than 12 million people getting this email and about 13 million using the site every month. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: saving cash and fighting for financial justice on anything and everything. The site has over 80 full time staff, more than a third 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 is chairman of MSE. He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time show The Martin Lewis Money Show and weekly slots on Radio 5 Live, This Morning and Good Morning Britain, among others. He's a columnist for publications including the Telegraph, Sunday Mirror and Woman magazine. More info: See Martin Lewis' biography. What do the links with an * mean? Any links with an * 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 products at all and the editorial line (the things we write) isn't changed due to them. 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: Unaffiliated web-addresses for links in this email santander.co.uk, barclaycard.co.uk, marcus.co.uk, mobiles.co.uk, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, directline.com, aviva.co.uk, admiral.com, cahoot.com   Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.