Money
Inside the Rolls-Royce Private Office in New York City
CNBC’s Robert Frank goes behind-the-scenes for an exclusive look inside the new Rolls-Royce Private Office, a secret design studio in downtown Manhattan, accessible only to VIP Rolls-Royce clients.
Money
When is Amazon Prime Day 2024? Exact date of October Big Deal Days revealed
THE second Amazon Prime Day event for 2024 has just begun.
For the next 48 hours, Prime subscribers can get their hands on thousands of exclusive deals.
Sign up to Amazon Prime
The exact date the event falls on this autumn is the 8th and 9th October – in other words, right now.
The 48-hour sale event will be exclusively available for Prime members, offering deep discounts on everything from Fire TVs and Echo devices to the best anti-wrinkle face creams and Dyson Airwrap dupes.
Bargain hunters will be able to score big savings on thousands of items, ranging from tech gadgets and beauty buys to home appliances and toys.
Of course, the timing of the event makes it ideal for organised Christmas shoppers to stock up on gifts, decorations and more for a fraction of the normal cost.
When is Prime Day 2024?
The next Prime Day event will be the Big Deal Days sale event in October.
The sale will kick off at midnight on 8th October and run to midnight on 9th October.
While the annual sale event has traditionally taken place every July, in 2022 Amazon also hosted two Prime Day events in July and October.
The double whammy gave bargain-hunters even more opportunities to shop for discounts as a Prime member.
The last Prime Day event for 2024 took place on 16-17 July and Prime members enjoyed thousands of discount across all categories.
How do I get access to Amazon Prime Day deals?
If you don’t want to miss out on the Amazon Big Deal Days event you will need to become a Prime member.
Signing up for a Prime membership is easy and comes with lots of perks including next-day delivery and access to Prime Video and Amazon Music.
The Prime membership comes with lots of additional perks, including free next-day delivery (and even same-day delivery in certain postcodes).
Amazon Prime costs £8.99 a month, or £95 for an annual membership.
But if you are brand-new to Prime you can sign up for a 30-day free trial, giving you free access to the sale when it launches next month.
However, you will need to cancel your membership before the 30-day trial ends to avoid the ongoing £8.99 monthly fee.
How long will Prime Day 2024 last?
Prime Day events normally take place over two days and this is something that has been in place since the event was launched in 2015.
Deals normally kick off from midnight on the first day to midnight on the second day, with a combination of ‘lightning’ offers, appearing while stock lasts, and longer deals running for the duration of the sale.
We recommend keeping a very close eye on the Prime Day deals hub on Amazon’s website, which will highlight the best offers as they go live.
You can also check out the Best Prime Day deals according to our team of Sun Shopping experts.
Amazon Prime vs Black Friday: which is best?
Prime Day was originally launched in 2015 to celebrate Amazon’s 20th birthday but has since evolved into an annual mega sale that is similar to Black Friday or Cyber Monday.
But in terms of length, scale and discount quality, Black Friday is the reigning deals period of the year.
You’ll find terrific price drops during both sales – and it’s not impossible that some Prime Day offers may well match those you find during Black Friday in November.
A great way to check whether the deals are as good as they appear over Prime Day is by using price tracking sites like camelcamelcamel which allows you to search the price history for any items sold on Amazon.
Other price comparison sites such as Idealo and PriceSpy are also helpful and allow you to compare and track across multiple retailers.
What were the best Prime Day deals in July?
Sign up to Amazon Prime
Amazon teased shoppers with early exclusive deals that primarily focused on Amazon’s branded devices.
One of the hottest was the ‘seriously impressive’ 55-inch Fire TV slashed from £549.99 to £329.99.
Other highlights in the July Prime Day event included deep discounts on the Shark Cordless Stick Vacuum Cleaner, which was reduced from £279.99 to £159.99, and the Philips L’OR Barista Sublime Capsule Coffee Machine, which was slashed from £109.99 to £49.99.
Amazon Prime Day: Our 10 best deals
Amazon Prime Day runs until midnight on Wednesday (9th October). Here’s our pick of the best deals for Prime subscribers.
*If you click on a link in this boxout we will earn affiliate revenue
- Amazon Fire TV Stick, £16.99 (was £44.99) – buy here
- Xinwld Wireless Earbuds, £24.99 (was £99.99) – buy here
- Apple AirPods Pro (2nd generation), £179 (was £229) – buy here
- Ring Battery Video Doorbell, £59.99 (£99.99) – buy here
- Maybelline Lash Sensational Mascara, £7.79 (was £12.99) – buy here
- Silentnight Comfort Control Electric Blanket, £35.99 (was £42.99) – buy here
- COSRX Advanced Snail 96 Mucin Skin Serum, £12.15 (was £23.99) – buy here
- Philips OneBlade 360, £34.99 (was £54.99) – buy here
- Olay Regenerist Collagen Peptide 24 Eye Cream Without Fragrance, £17.33 (was £38) – buy here
- Remington Keratin Protect Hair Straighteners, £52.76 (was £119.99) – buy here
We’ll be keeping a close eye out for some of the best deals so remember to check back to snag these deals
We’ve rounded up more great offers here:
Amazon Prime Day dates through the years
Here’s a run-down of the dates that Amazon Prime Day has taken place since its inception in 2015:
- 2015: 15 July
- 2016: 12 July
- 2017: 11 July
- 2018: 16-17 July
- 2019: 15-16 July
- 2020: 13-14 October
- 2021: 21-22 June
- 2022: 12-13 July
- 2022: 11-12 October
- 2023: 11-12 July
- 2023: 10-11 October
- 2024: 16-17 July
Want to find more savings on your online shopping? Then head to Sun Vouchers where you can get discounts and voucher codes from hundreds of top retailers including B&Q, Boots, Iceland, Lookfantastic, Dunelm, Adidas, Marks & Spencer and more.
Money
Axed TGI Friday’s workers set to miss out on redundancy pay and tips after chain goes into administration
TGI FRIDAY’S rescue deal has left a bad taste — for hundreds of restaurant workers who will miss out on redundancy pay and hard-earned tips.
A total of 1,012 jobs have gone after administrators said the sale to Breal Capital and Calveton would cause 35 eateries to close.
Impacted staff were also told the firm would not be responsible for redundancy pay, accrued holiday or tips.
The burden will instead go to the taxpayer, via the Insolvency Service.
The majority were on zero hours contracts.
One employee said anonymously: “I did 35 hours last week and earnt tips because I was telling customers we were fine and going to be saved.
“Now I’m not getting paid for any of it.”
The turmoil and anger has come just days before the Government is to unveil its Employment Rights Bill on Thursday, which will reform workers’ rights.
Labour is also planning to ban “exploitative” zero hours contracts — although the details of this will still be consulted on.
Under current law a zero hours worker who has not been with a firm for more than two years cannot claim redundancy pay.
Staff should be able to claim 100 per cent of tips earned, under a law passed last week.
But restructuring sources said that it would be up to workers applying to The Insolvency Service — with their claims and evidence of tips earned — suggesting that it will be difficult to recoup the cash.
The union Unite said last night: “The way in which workers have been treated across TGI Fridays is a national disgrace.
“Our members are being told that they may not even be paid wages for work done.”
The deal by the firm that owns Byron Burger, will keep open 51 locations across the UK and save more than 2,000 jobs.
GET A PORTER
LUXURY online fashion site Yoox Net-A-Porter has been offloaded to a German rival.
The sale by Swiss firm Richemont, the owner of Cartier and Van Cleef & Arpels jewellery, to Mytheresa comes after years of heavy losses.
Net-a-Porter, set up by Dame Natalie Massenet, was a jewel in the British fashion scene before an ill-fated merger with Italian rival Yoox.
Luxury online groups boomed in lockdowns but have been undone by the market’s slowdown.
Farfetch almost went bust last December while Matches Fahion folded in March.
THAMES MUDDIES WATERS
WORRIES around the future of Thames Water threaten to dampen the big splash Labour hopes to make at its investment summit next Monday.
Global investors, tech tycoons and City bigwigs including Aviva boss Amanda Blanc; Octopus Energy founder Greg Jackson and Google’s Eric Schmidt will be at the event at London’s Guildhall, held two weeks before the Chancellor delivers her growth-focused Budget.
Thames Water is scrambling to raise cash and refinance debt from investors, who require the regulator to sign off their plan to hike customer bills.
Behind the scenes investors are lobbying the Government to warn of a “domino effect” if water companies are deemed uninvestable by the pension funds and infrastructure investors the Chancellor is looking to win over.
A spokesperson for the Global Infrastructure Investor Association said: “It’s essential to ensure this country is an attractive investment destination.”
PUB group Amber Taverns, which has 178 sites across England, Scotland and Wales, has been sold to a private equity firm.
Epiris already owns Big Table Group, which includes Cafe Rouge and Las Iguanas restaurant chains.
CHANGE OF BOSS AT LEWIS
THERE is more change at the top of John Lewis just three weeks after Tesco veteran Jason Tarry arrived as chairman.
The department store to grocery chain yesterday revealed chief executive Nish Kankiwala will be stepping down by March next year.
Mr Kankiwala, former boss of Hovis, was brought in on a two-year contract to boost the boardroom’s retail experience when Dame Sharon White, former Ofcom regulator, had the top job at John Lewis.
By contrast Mr Tarry spent 33 years working at Tesco, including the last six as boss of Britain’s biggest retailer.
John Lewis said that the “role of chief executive will not be directly replaced and Jason will chair the executive team as well as the partnership board”.
PADS ON THE RISE
HOUSE prices rose for the third month in a row in September — going up by 0.3 per cent.
Average property prices cost 4.7 per cent more than a year ago after rising to £293,399, according to Halifax stats.
It is £108 shy of the £293,507 record set in June 2022, when the market was boosted by a post-pandemic surge and before the mini-budget provoked mortgage mayhem.
Property experts said hopes of interest rate cuts are fuelling the market revival.
RIO GOES MINING IN NEW YORK
LONDON-listed mining giant Rio Tinto is exploring a trans-Atlantic takeover of a New York-listed lithium miner.
The approach for Arcadium Lithium marks a welcome step-change from British miners being snapped up by their overseas rivals.
Lithium, a silvery white metal, is of increasing importance in the global push for greener energy, as it is needed in electric vehicles and battery storage.
Arcadium Lithium, which has mining operations in Argentina, China, Canada and Australia, counts car giants Telsa, BMW and Toyota as clients.
Shares in Arcadium Lithium bounced by a third yesterday.
It valued the company at £3.3billion — a marked improvement for a company which had slumped by 60 per cent since the start of the year amid weakening demand in China.
Some of its investors are viewing Rio Tinto’s approach as opportunistic and have signalled they will reject a lowball bid.
Money
Meet our team of experts who will take your calls in The Sun’s Winter Fuel SOS campaign from tomorrow
THERE is just one day to go until our team of experts take your calls in The Sun’s Winter Fuel SOS campaign.
We will be helping the thousands of pensioners worried about paying their energy bills this winter, with tips and advice on how to make cash go further.
Our Winter Fuel SOS crew will be able to help answer your questions tomorrow. But you can also email them now.
Contact us on behalf of friends and relatives of pension age – with their permission – as we want to reach as many people as possible.
Ten million OAPs are set to lose the £300 Winter Fuel Payment due to government cutbacks.
It comes in the same month that households are hit by a ten per cent rise in bills as the Energy Price Cap shoots up.
On this page are our experts who’ll be taking calls tomorrow . . .
SIR STEVE WEBB
PENSIONS Minister 2010-2015, Steve oversaw the introduction of automatic enrolment.
Joined consultancy Lane Clark & Peacock in 2020 and campaigned to secure £2billion for women who were underpaid the state pension.
MARTYN JAMES
AN award-winning consumer rights expert, journalist and broadcaster with two decades of experience in newspapers.
He will take questions about problems with energy bills and how to deal with complaints.
ELISE MELVILLE
ENERGY expert at comparison website uswitch.com, Elise cares about demystifying the energy market and helping consumers find the best deals tailored to their needs.
She will be on hand to help with energy-saving tips.
ADAM STACHURA
THE associate director for policy at Age Scotland, Adam is part of a team that offers advice and tips to older people on their winter fuel issues.
The charity works to improve the lives of over-50s north of the border.
EMILY SEYMOUR
AS Energy Editor for consumer group Which? since 2020, Emily has been at the forefront of its campaigns to help people manage their bills.
She regularly appears on TV and radio to offer consumer advice.
JOE RICHARDSON
DIRECTOR of operations at Octopus Energy GB, the largest electricity supplier in the UK.
His 2,000-strong team are responsible for looking after all aspects of the business’s award-winning customer service.
TARA EVANS
HEAD of Consumer at The Sun.
She has almost two decades of experience and will be joined by Sun Savers Editor Lana Clements and our very own Consumer Champion Laura Purkess.
BARONESS ROS ALTMANN
EXPERT on later-life issues.
Government’s Business Champion for Older Workers 2014-15 and Pensions Minister from 2015-2016.
Awarded a CBE in 2014 for her work on pensions and retirement planning.
JONATHAN CHESTERMAN
DEBT advice policy manager at StepChange debt charity – the largest provider of free and impartial debt guidance in UK.
Jonathan will help to answer readers’ debt queries on their energy bills.
BEN GALLIZZI
THE specialist at uswitch.com is focused on helping customers to manage their home energy usage.
The energy market can be complex but Ben sorts through the information to offer you practical tips to cut your bills.
FRAN McSWEENEY
HEAD of services at Independent Age, a charity supporting older people facing financial hardship.
Fran and her team of advisers run a national helpline to provide help on income, costs and housing issues.
JENNY ROSS
FOR six years Jenny has edited Which? Money mag, during which time she has helped consumers to tackle the cost-of-living crisis, make their cash go further and avoid scams.
Jenny is a go-to for pension help.
Money
‘My two faves in one!’, shoppers divided on M&S’ new ‘love it or hate it’ food item that’s ‘perfect’ for the winter
FOOD fanatics and home cooks have been stunned by this latest find in M&S stores.
Despite offering buyers an “utterly irresistible” flavour, shoppers have divided over the brand new offering for Autumn.
Taking to Facebook to reveal the latest brand collaboration, M&S have joined forces with Marmite.
The “oozy, gooey, tangy new cheesebake” has been released exclusively with the supermarket giant and has been described as perfect for pairing with crusty bread.
Lovers of the yeast extract spread could even dive right in with a spoon or add it to their Christmas list as a stocking filler.
Staff at the Tunbridge Wells store unveiled a picture of the new cheesebake on shelves in a social media post which has already gathered love and hate.
With 247 comments, the product seems to have caught the eye of shoppers.
One user said: “Will give this a try thank you x.”
Another wrote: “Bet that’s banging.”
Someone else commented: “Cheese and wine night??”
A fourth put: “For the Christmas Eve board this year.”
While another said: “We need one of these!”
Anyone hoping to test the dip for themselves should phone ahead before visiting their local branch to avoid disappointment.
It is unclear from the post how much the tantalising offer will set buyers back.
Last month, a food editor for Marks and Spencer published an article on their site convincing shoppers to try Marmite Cheddar.
It is not the only item to leave haters of the spread cheesed off as the store already offers Loaded Cheese and Marmite Jacket Potatoes.
Earlier this week, savvy shoppers shared a Home Bargains dupe for a beloved chocolate snack at the same chain.
Others with a sweet-tooth found a hazelnut spread for a fraction of the original price.
The users claimed the fan-favourite M&S Hazelnut Creme was given a run for its money by the cheaper alternative.
How to cut the cost of your grocery shop
SAVING on your shop can make a big difference to your wallet. Here are some tips from comparison site Money.co.uk about how you can cut the cost of your shopping bills:
- Write yourself a list – Only buy items that you need. If it isn’t on your list, don’t put it in the trolley
- Create a budget – Work out a weekly budget for your food shopping
- Never shop hungry – you are far more likely to buy more food if your tummy is rumbling
- Don’t buy pre-chopped veggies or fruit – The extra they’ll charge for chopping can be eye watering
- Use social media – follow your favourite retailers to find out about the latest deals
- Be disloyal – You may want to go to different stores to find the best bargains
- Check the small print – It’s always worth checking the price per kg/lb/litre when comparing offers so you’re making a like for like decision as a bigger box won’t necessarily mean you get more
- Use your loyalty cards – Don’t be afraid to sign up to them all. They all work slightly differently – work out what bonus suits you better and remember to trade in your points for additional rewards
Money
More than two million savings accounts set to mature in the next two months – here’s where you can get the best rates
MILLIONS of savers are set to lose their current rates of interest before the end of the year – and are being urged to check for the best deals available.
Over £73billion in savings is currently locked in fixed term savings accounts, which mature in the next two months, according to the Current Account and Savings Database (CSDB).
These savings accounts allow you to deposit a lump sum for a set period.
During this period, you cannot access the funds, but you earn a fixed interest rate.
As many as 2.2million accounts, including over 1.2m fixed ISAs and more than 900,000 fixed term bonds are due to expire before the end of the year.
When these accounts reach maturity, they stop accruing interest.
To secure returns of up to 5% on their deposits, savers must plan ahead and get ready to transfer their funds to a new account.
Last month, and for the first time since January, the average interest rates for both fixed-term and easy access savings accounts declined across the board.
And this trend is continuing.
Only a single bank now offers over 5% back on deposits in its fixed term savings account.
Caitlyn Eastell, spokesperson at Moneyfactscompare.co.uk, said: “Savers who were unable to snap up a shorter-term fixed rate that paid just above the 5% mark may be disheartened to see that they have disappeared almost entirely for the first time this year.”
“Savers who are eager to lock into a guaranteed rate should do so swiftly before they face another plunge.”
The BoE rate influences the rates on borrowing and savings offered by high street banks.
If forecasts are correct, the base rate could fall to 4.75% by the end of 2024.
That’s bad news for savers, whose rates typically fall when the Bank’s rate is cut.
However, several savings accounts still offer the option to lock away your money with the promise of a fixed interest rate for a set period, with rates remaining close to 5%.
Fixed rate bonds can be a useful bet to help ride out future cuts to the base rate.
If you can’t afford to lock away your cash, other account options offer competitive rates.
Adam Thrower, head of savings at Shawbrook Bank, said: “Every saver is different.
“Some might have a large amount of savings; others might want to use an account for a rainy-day fund.
“Whatever you are saving for, or however much you are saving, choosing the right account is key.”
SAVING ACCOUNT TYPES
THERE are four types of savings accounts fixed, notice, easy access, and regular savers.
Separately, there are ISAs or individual savings accounts which allow individuals to save up to £20,000 a year tax-free.
But we’ve rounded up the main types of conventional savings accounts below.
FIXED-RATE
A fixed-rate savings account or fixed-rate bond offers some of the highest interest rates but comes at the cost of being unable to withdraw your cash within the agreed term.
This means that your money is locked in, so even if interest rates increase you are unable to move your money and switch to a better account.
Some providers give the option to withdraw, but it comes with a hefty fee.
NOTICE
Notice accounts offer slightly lower rates in exchange for more flexibility when accessing your cash.
These accounts don’t lock your cash away for as long as a typical fixed bond account.
You’ll need to give advance notice to your bank – up to 180 days in some cases – before you can make a withdrawal or you’ll lose the interest.
EASY-ACCESS
An easy-access account does what it says on the tin and usually allows unlimited cash withdrawals.
These accounts tend to offer lower returns, but they are a good option if you want the freedom to move your money without being charged a penalty fee.
REGULAR SAVER
These accounts pay some of the best returns as long as you pay in a set amount each month.
You’ll usually need to hold a current account with providers to access the best rates.
However, if you have a lot of money to save, these accounts often come with monthly deposit limits.
What interest rates are on offer?
The best fixed rate currently offered is Al Rayan Bank’s one year fixed bond, which pays 5.05% (but requires a minimum investment of £20,000).
Depositing £20,000 in this account would yield £1,010 in interest over 12 months.
If you have a smaller amount to deposit, Union Bank of India’s one-year fixed bond offers a 4.95% return on savings over £1,000.
The best notice accounts are actually offering slightly higher rates than the best fixed-term bonds.
These also come with more flexibility when accessing your cash.
Plum’s 95 day notice account offers savers 5.20% back with a no minimum deposit, for example.
The Bank of London and The Middle East’s 90 day notice account offers savers 5.15% back with a minimum £10,000 deposit.
If you’re looking for a savings account without withdrawal limitations, then you’ll want to opt for an easy-access saver.
These do what they say on the tin and usually allow for unlimited cash withdrawals.
The best easy-access savings account available is from Ulster Bank, which pays 5.2% – but you need to pay in a minimum of £5,000 and also be a current account customer.
Cahoot’s Easy Access account offers a 5% interest rate, allows savers up to three withdrawals a year and requires just a £1 minimum deposit to open the account.
If you want to build a habit of saving a set amount of money each month, a regular savings account could pay you dividends.
Principality Building Society’s Six Month Regular Saver offers 8% interest on savings.
It allows customers to save between £1 and £200 a month. Save in the maximum, and you’ll earn 27.53 in interest.
While regular savings accounts look attractive due to the high interest rates on offer, they are not right for all savers.
You can’t use a regular savings account to earn interest on a lump sum.
The amount you can save into the account each month will be limited, typically to somewhere between £200 and £500.
Therefore, if you have more to save, it would be wise to consider one of the other accounts mentioned above.
FINDING THE BEST SAVINGS RATES
WITH your current savings rates in mind, don’t waste time looking at individual banking sites to compare rates – it’ll take you an eternity.
Research price comparison websites such as MoneyFactsCompare.co.uk and MoneySupermarket.
These will help you save you time and show you the best rates available.
They also let you tailor your searches to an account type that suits you.
As a benchmark, you’ll want to consider any account that currently pays more interest than the current level of inflation – 2%.
It’s always wise to have some money stashed inside an easy-access savings account to ensure you have quick access to cash to deal with any emergencies like a boiler repair, for example.
If you’re saving for a long-term goal, then consider locking some of your savings inside a fixed bond, as these usually come with the highest savings rates.
Money
Shoppers rave over B&M dupe of beloved M&S favourite which is scanning at a fraction of the price
SHOPPERS are raving about B&M’s dupe of a beloved M&S favourite which is scanning at a fraction of the price.
A savvy shopper posted the dupe in the Food Find UK Official Facebook group, where bargain hunters regularly share new items they discover in supermarkets.
M&S’s Hazelnut Creme has been a favourite among shoppers – but now B&M are giving the spread a run for its money.
Shoppers are looking to stock up on some sweet essentials in time for Christmas.
And one lucky shopper’s shared an incredible deal on Facebook that has shoppers rushing to the bargain retailer.
Sharing a picture of the unbelievable find, the user wrote: “Hazelnut Spread found in B&M in Spondon, Derby.”
The Cocoa Co’s smooth hazelnut spread is priced at a mere £1.89.
In comparison, M&S’s hazelnut creme is £4.50.
By opting for the B&M version that is 58 per cent cheaper, shoppers could save themselves an unbelievable £2.61.
The post accumulated hundred of likes and comments of shoppers desperate to get their hands on the spread.
One user said: “This could save us a fortune!”
Another commented: “I love choc spread.”
And: “I need this lol!”
Similarly, shoppers are racing to get a Home Bargains dupe of a beloved M&S chocolate snack scanning at a cheaper price.
Home Bargain’s new Elkes Temptations is a dupe of M&S’ popular Milk Chocolate Custard Creams.
The knock-off treats are scanning at the popular discount chain’s tills for only £1.99.
This is just over £1 less than the price at which M&S is selling their chocolatey snack.
Home Bargain fans can choose from a Chocolatey Custard Cream or the sought-after Chocolatey Bourbon Creams.
The caption for the post read: “Found these in-home bargains today they are £1.99 bit cheaper than the M&S ones not tried them yet.”
Hundreds of fellow bargain hunters have left likes and left comments expressing their desire to snap up the tasty treats.
How to save money at B&M
Shoppers have saved hundreds of pounds a year by using B&M’s scanner app.
The scanner lets you see if an item’s price is cheaper than advertised on the shop floor label.
Products that are typically discounted are seasonal items and old stock that B&M is trying to shift.
The app is free to download off the B&M Stores mobile app via Google Play or the Apple App Store.
According to one ex-B&M manager, you’ll want to visit your local branch at 10am on a Wednesday too.
Here’s how you can join the B&M bargain hunt:
- Download the B&M app for free on any smartphone with an App Store or Google Play.
- Once you’ve installed it on your device, click on the option labelled “more” on the bottom, right-hand side of the app home page.
- You’ll then find an option that says “barcode scanner”. Click on this and you’ll open a camera screen.
- Use the camera to hover over the barcode of the product you wish to check.
- If the price comes up as lower, take it to the cash desk and it will automatically scan at the lower price.
- You don’t need to sign up to the B&M app to use the barcode scanner.
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