Money
Major energy firm with 5.6million customers is giving thousands FREE electricity on Halloween – but you need to be quick
A MAJOR energy firm is giving thousands of customers free electricity this Halloween.
E.ON Next, which serves 5.6 million customers in the UK, is offering selected customers free electricity this Halloween.
The energy firm has begun emailing chosen customers, encouraging them to take advantage of this special offer.
Customers who download the E.ON Next app can receive a £5 credit on their electricity bill for Halloween.
The email sent to participants reads: “No tricks this Halloween, just a treat on us.
“Here’s a scarily good deal! Get a day’s worth of free electricity on us, just by following three simple steps.”
To claim the reward, customers who receive the email must first download the E.ON Next app, available on both the Apple App Store and Google Play Store.
After downloading the app, they need to log in to their E.ON Next account within 48 hours.
Once these steps are completed, customers can claim a free £5 energy credit, which will be applied to their electricity bill on October 31.
E.ON Next states that the £5 credit is equivalent to the average daily cost of electricity in the UK, meaning it will cover a full day’s electricity usage for most customers.
However, customers with a prepayment meter will not be eligible for this offer.
Reacting to the news of the offer on Facebook, one customer said: “Decent, that’ll cover boiling the kettle.”
Another said: “This can be really helpful for those who are struggling!”
“I downloaded their app, and it’s the first thing that pops up once signed in,” said a third.
Eligible customers have until 10am tomorrow (October 25) to redeem the offer before it closes for good.
E.ON Next said that the £5 credit will appear as ‘Free energy credit’ on online accounts, paper statements, and bills.
Customers who aren’t with E.ON Next can still get access to free bill credits by taking part in a number of energy-saving schemes.
OTHER WAYS TO GET FREE ENERGY CREDITS
A number of energy suppliers reward customers with discounts or credit when they change the way they use their gas and electricity usage.
These schemes, offered by the likes of British Gas, EDF, Octopus and Ovo Energy, can help customers save money this winter.
Here’s everything you need to know.
British Gas
British Gas‘ Peak Save Sundays scheme offers millions of customers half-price electricity for using their energy during certain hours.
It offers qualifying customers half price electricity between 11am and 4pm every Sunday.
The energy firm said over 650,000 customers had already signed up to the scheme, saving a combined £13million between them.
You can sign up to the scheme by visiting britishgas.co.uk/energy/peak-save.html.
The supplier will then be in touch with you if your application is successful.
After that, your savings will appear as “PeakSave Credit” on your next energy bill or online statement.
Be aware that you can only sign up to the scheme if you have a smart credit or prepayment meter that can send half-hourly meter readings.
If you don’t have a smart meter, don’t worry, British Gas will install one for free in your home.
EDF Energy
EDF offers customers the opportunity to run their homes for no cost if they take part in a new challenge.
To get the hours of free electricity, customers must cut down on using electrical devices during “peak hours”, which tend to be between 4pm-7pm Monday to Friday.
In return, EDF will give customers free electricity on Sundays when demand to the energy grid tends to be lower.
The more electricity customers shift to off-peak times, the more free electricity they can earn.
Customers who manage to cut back their usage by 40% during the week can earn up to 16 hours of free electricity to use on a Sunday.
To take part, customers need a smart meter.
To find out more, visit edfenergy.com/energy-efficiency/sunday-saver-challenge.
Octopus Energy
Octopus Energy customers who are signed up to the “Octoplus” can take part in free electricity sessions when wholesale prices fall below zero.
The sessions last an hour, and customers can use electricity for free and receive credits for using more than they typically would.
All customers with a smart meter, including smart prepay meters, receive an alert the day before each session.
When the session begins, they can ramp up their electricity usage – whether it’s charging gadgets, running a laundry marathon, or any other household activity.
Any extra electricity consumed beyond their normal usage will be credited back to their account.
Find out more by visiting octopus.energy/free-electricity/.
Ovo Energy
Ovo Energy also offers a scheme which rewards customers for reducing their energy consumption during peak times.
Power Move offers customers up to £10 a month if they use 8.50% or less of their home’s total electricity between 6-9pm, Monday to Friday.
For example, by using the dishwasher in the morning or waiting until after 9pm in the evening to catch up on TV.
You can sign up by visiting ovoenergy.com/power-move.
What energy bill help is available?
There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don’t need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.
Get in touch with your energy firm to see if you can apply.
Money
Martin Lewis reveals quick move that can net 2million couples £1,000 cheque in post before Christmas
MARTIN Lewis has revealed a quick trick that could see married couples receive a £1,000 cheque.
Speaking on his website, the money-saving expert reminded those in marriages or civil partnerships that they may be able to claim back money through Marriage Tax Allowance.
This allows eligible people to transfer £1,260 of their personal tax allowance to their spouse or civil partner.
To be eligible, one partner must be a non-taxpayer – earning under £12,570.
The other needs to pay a basic 20% basic tax rate – which applies to earnings between £12,570 and £50,270 in the UK.
If these conditions are met, the non-taxpayer is entitled to transfer 10% of their tax-free allowance to the taxpayer – meaning less tax is paid overall.
This could result in a tax refund of up to £252 for around two million couples across the UK.
And, in even better news, the refund can be backdated up to four years – meaning families could be receiving a cheque of over £1,000.
Mr Lewis said: “Claiming tax allowances isn’t traditional Christmas fare, but it is a quick way for two million eligible couples not currently claiming to get an up to £1,260 tax refund.”
Government figures show that 2.28million couples applied for the benefit in 2022/23 year.
And HMRC estimates that a whopping 2.1 million may be missing out – despite being eligible.
Steve Webb, partner at pension consultants LCP, told The Sun that the benefit is “well worth claiming”.
He added that with personal allowances frozen until 2026, couples should be sure to “access all the tax-free income that they can”.
How to apply for marriage allowance
You can apply for marriage allowance online by visiting the gov.uk website, and it is free to do so.
The person who earns the least should make the claim.
However, if either of you gets other income, such as dividends or savings, you may need to work out who should claim.
You can call the Income Tax helpline if you’re unsure.
Changes to your personal allowances will be backdated to the start of the tax year, which is April 6, if your application is successful.
To be eligible for the allowance the following must apply to your and your spouse:
- You’re married or in a civil partnership.
- You do not pay income tax or your income is below your personal allowance (usually £12,570)
- Your partner pays Income Tax at the basic rate, which usually means their income is between £12,571 and £50,270 before they receive Marriage Allowance
If you only pay income tax at the basic rate and believe you’ve been wrongly denied marriage tax allowance, you can appeal the decision directly to HMRC.
You and your partner will get new tax codes that reflect the transferred allowance.
Your tax code will end with ‘M’ if you are receiving the allowance and ‘N’ if you are transferring the allowance.
You can read more about tax codes and how they work here.
You’ll need to call the marriage allowance enquiries helpline to speak to an agent and explain the issue.
You must cancel your claim for marriage allowance if you and your partner divorce or your income changes. You can do this online.
Are you missing out on benefits?
YOU can use a benefits calculator to help check that you are not missing out on money you are entitled to.
Charity Turn2Us’ benefits calculator works out what you could get.
Entitledto’s free calculator determines whether you qualify for various benefits, tax credit and Universal Credit.
MoneySavingExpert.com and charity StepChange both have benefits tools powered by Entitledto’s data.
You can use Policy in Practice’s calculator to determine which benefits you could receive and how much cash you’ll have left over each month after paying for housing costs.
Your exact entitlement will only be clear when you make a claim, but calculators can indicate what you might be eligible for.
Money
CPP and Kennedy Wilson launch £1bn UK single-family rental housing JV
CPP will initially commit £500m and Kennedy Wilson £56m, as the fund targets an initial asset value of £1bn.
The post CPP and Kennedy Wilson launch £1bn UK single-family rental housing JV appeared first on Property Week.
Money
Advisers warned they must be ‘really on it’ on Budget day
Advisers need to be “really on it” with their clients on Budget day next Wednesday (30 October), Moran Wealth Management founder Nicola Crosbie has warned.
Speaking on a panel at the Money Marketing Interactive conference in Leeds today (24 October), Crosbie insisted advisers “must be proactive” on the day.
“If we’re not, some other adviser will be,” she warned. “And that’s where there is likely to be a breakdown in the relationship [you have with your clients] if you’ve not got your finger on the pulse.”
She said it is important for advisers to “put things into perspective” for clients.
“It’s about saying: ‘Let’s just calm down a little bit’,” she said. “Our job is to calm the situation.”
She emphasised the importance of “being informed” about what could come up in the Budget.
“Don’t fluff your way through it,” she said. “Because it becomes a bit apparent if you don’t know what you’re talking about. And that will unsettle your clients more.”
On the same panel, Triple Point regional business development manager Lucy Dolan said having an “agile plan” for clients is key.
She added there are “many different approaches” that advisers can take to delivering advice around the Budget, but “the key point is that things can change”.
“These unprecedented times demonstrate how quickly legislation can shift,” she said. “Therefore, it’s essential to remain agile.
“I’ve spent considerable time with advisers, accountants and solicitors. Even among solicitors, there’s some apprehension about trusts at the moment because, once a trust is in place, the client loses a degree of autonomy.
She said that, depending on how things progress, advice businesses will focus more on estate planning, which allows clients to maintain control and flexibility.
“This is particularly important because, if legislation changes, clients need to be able to adapt their plans accordingly,” she said.
“Adaptability will be crucial moving forward.”
Also on the panel, Syndaxi Financial Planning managing director Robert Reid said the ability to navigate changes as a result of the Budget is what “keeps advisers relevant, useful and profitable”.
“In fact,” he suggested, “I believe the complexity this budget might introduce could actually widen the appeal of advice.”
Money
What is Poundland Perks and how to register for vouchers
WITH the cost of everything rising, now more than ever are people looking for ways to cover the costs of the essentials.
Poundland Perks is a game-changing app designed to offer exclusive discounts and rewards, as well as the opportunity to earn prizes every week.
Sign up for Poundland Perks
After already successfully piloting the Poundland Perks app in Northern Ireland and the Isle of Wight, a wider rollout for the UK is set to take place on October 17.
Whether you’re a regular shopper or new to Poundland, the app is a must-have for anyone looking to stretch their budgets and snag fantastic offers on everyday needs.
Poundland’s digital loyalty scheme rewards users with discounts on promotional products, which can also be redeemed against purchases in-store by scanning a barcode in the app at checkout.
Wondering how it works and most importantly, how you can start saving today?
We’ve outlined everything you need to know ahead of the app’s launch.
What is the Poundland Perks App?
Sign up for Poundland Perks
Poundland Perks is the all-new loyalty and rewards programme from retailer Poundland.
The simple-to-use app is designed to give customers access to exclusive savings on selected products in stores nationwide.
Downloading the Poundland Perks app means you can unlock vouchers, earn points and enjoy weekly fun and prizes to win.
The app aims to ensure Poundland shoppers can “save more, earn more, and play more”, all while picking up the essentials and their favourite bargains.
Saving money while doing your weekly shopping has never been this rewarding, which is perfect now that the colder weather is starting to set in and the festive season draws nearer.
How does the Poundland app work?
The app offers special discounts on selected products, which means extra savings just for being part of the Perks members.
Every time you shop, you’ll be able to take advantage of lower prices on a wide range of products across the store.
When you buy certain products, you’ll earn Powered Up Points, which can be collected and redeemed for even more rewards.
For every £1 spent in-store, Poundland Perks members will get 100 points in the app, with 5,000 points earning them a £1 voucher for their next shop.
Poundland Perks also features ‘spin the wheel’ competitions.
Every Wednesday, you can log in to the app and spin a virtual wheel for a chance to win extra rewards, but these will be one-off promotions that Poundland will launch at its discretion according to its terms and conditions.
Are Poundland Perks available across the UK?
Sign up for Poundland Perks
A roll-out in the UK is expected on October 17, while it might not be all UK stores for now, we will hear announcements of what stores we can expect to be participating.
To start saving in the UK, head to the App Store or Google Play and search for Poundland Perks.
Download and install the app on your smartphone and create a Perks profile on the app.
Once logged in, customers can explore the Perks Pricing deals available in local stores, and the app will show you which products are eligible for discounts.
When you’re ready to pay at the checkout, you can simply scan your Poundland Perks app QR code to start accumulating points and savings at Poundland.
Sign up for Poundland Perks
Money
AEW reveals positive trading update with strong NAV growth
In its latest update to investors, the group showed NAV stood at £172.76m at the end of the quarter, compared with £167.79m at the end of June.
The post AEW reveals positive trading update with strong NAV growth appeared first on Property Week.
Money
iOS App Development Cost: A Complete Guide
As of early 2024, iOS holds a dominant 60.77% share of the U.S. mobile market, far ahead of Android’s 38.81% (Backlinko). This makes iOS app development crucial for businesses targeting a large and active audience.
In this post, we’ll talk about…money, the biggest driver in the development process. We’ll explore how much it costs to make an app from Purrweb’s perspective, but these estimates will either be relevant for other development companies.
What are the peculiarities of iOS app development?
iOS app development has its own set of unique characteristics compared to Android. What makes it stand out?
App Store only
The only place where iOS apps may be distributed is through Apple’s App Store. No third-party stores, no APKs—developers have to abide by Apple’s rules at all times. These regulations can be strict; before an app is authorized for distribution, it must pass rigorous evaluations and frequently go through many changes.
Limited device range
Apple’s consistent hardware lineup simplifies development. iOS has fewer screen sizes and resolutions to support than the wide variety of Android devices. Because of the simplified testing and optimization process, developers are free to concentrate on creating a polished application rather than worrying about unforeseen problems resulting from subtle hardware variances.
Languages
Additionally, Swift and Objective-C are iOS-specific programming languages. Specifically, Swift is designed to be current and effective, allowing developers to create reliable, high-performing programs.
Enhanced security
Privacy and security come first. Because of Apple’s stringent policies on user data, all apps are required to include strong security features, including data encryption and permissions management. The fundamental design of iOS apps upholds this commitment to privacy, guaranteeing that user data is always secure.
How to build an app for iOS
Building an iOS app involves a series of decisions and steps, each of which can influence the final app development costs and development timeline. Here’s a structured approach:
Define your scope and platform needs
Decide if you need an app exclusively for iOS or if you plan to develop for Android as well.
Cross-platform frameworks allow you to build a single codebase for both platforms, which can save money and time, but native development guarantees the greatest performance and user experience.
Work on UI/UX
iOS users have very high expectations for design and usability. Moreover, the design must be adhere to (HIG).
Develop and test
Use Apple’s Xcode integrated development environment (IDE) for project management, code authoring, and app building.
Extensive testing is essential. To find and fix issues, use physical devices and simulations.
Prepare for App Store submission
Ensure your app complies with all App Store Review Guidelines. This includes content restrictions, user interface standards, and privacy policies. We add different screenshot and keywords to create a list.
Submit to the App Store
Use Xcode or App Store Connect to submit your app for review. Be prepared for multiple review rounds, as Apple may request changes to meet their guidelines.
Post-launch support and updates
Even after release, you should allocate your resources on maintaining and refining the app.
How much money do we spend to build an app?
We spend on various components such as:
Development team costs
Cost Category | Details | Cost Range |
Freelancers | Rates depend on experience and location. Suitable for small projects or startups. | $25 – $150 per hour |
In-house team | Provides greater control but involves higher costs, including salaries, benefits, and infrastructure. | $5K – $25K per month |
Outsourcing to agencies | Ideal for complex projects with a need for expertise. Costs vary based on project scope and agency reputation. | $20K – $150K+ |
2. App complexity
Most of the apps have minimal functionality and their cost may be between $10K and $30K.
It has database integration, API interactions, and user authentication typically costs between $30K and $100K.
But now, apps that have advanced features such as real-time data sync, custom animations, AI integration, or complex back-end requirements can cost more than $100k.
3. Design costs
Mostly UI/UC design cost between $50k to 30k. It depends on the number of design and screend complexity. If you are budget limited, consider simple UI/UX without complex animations.
4. Backend development
Creating a backend to handle user data, authentication, and other critical features typically costs between $10K and $50K. Third-party services, like analytics tools, social network logins, or payment gateways, can bump up the price by an additional $2K to $10K.
5. App Store costs
Apple’s developer license is $99 per year for individuals. For enterprises, the cost is $299. Additionally, keep in mind that Apple takes a 15% to 30% fee on all in-app purchases and premium software downloads.
6. Marketing and launch costs
Landing pages, press releases, and social media campaigns generally range from $1K to $10K. Of course, marketing is not an obligatory and rigid factor. For example, MVP apps rarely have extensive marketing.
7. Launch costs
App Store optimization costs anything from $1K to $5K, depending on how visible you want your app to be.
8. Maintenance and updates
After launch, bug fixes and small upgrades may run you anything from $1K to $10K a year. Depending on their complexity, adding new features based on user feedback can cost anywhere between $5K and $50K.
How much does it cost to develop an app from Purrweb?
The table below provides approximate pricing for an average project, giving you a general idea of the budget range to consider.
Stage | Estimated cost | Description |
Project analysis | $1K | Initial research, feature prioritization. |
UI/UX design | $5,400 | Wireframes, design concepts, full app design. |
App development | $36K – $40,500 | Coding and feature implementation. |
QA testing | $5,400 – $6K | Bug identification and resolution. |
Project Management | $3,950 – $4,100 | Coordination and oversight throughout the project. |
App Store submission | $99-$299 | The cost of developer license. |
Marketing | $1-3K | Depends on the client’s budget and needs, is not strictly regulated. |
Total cost of app development | $60K+ | Basic functionality app, 4 months development time. |
Of course, this is just an estimate. The actual cost for building an app can vary greatly depending on its specific details. As each app is unique, it’s essential to discuss your requirements with a development company and get an accurate quote.
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