Money
Exact ‘tower’ sketch that could skyrocket value of your 50p – as rare coin sells for 300 times its value in bidding war
A TOWER sketch on your 50p could mean it’s worth 300 times it’s normal value.
The Kew Gardens 50p features a tall tower with leaves wrapped around and was circulated in 2009.
One of the ultra-rare coins has sold on eBay for an unbelievable £150.
The coin launched a bidding war, with 10 attempts made to nab the incredible design.
And what’s more, there was no cost for delivery.
The coin sold for 300 times its value on 26 October.
When the Kew Gardens 50p was first issued in 2009, collectors didn’t initially realise just how rare it would be, and many people who found one in their change parted with it and later kicked themselves.
A Changechecker spokesperson said: “Now, 15 years later, the Kew Gardens coin regularly sells for between £150 to £250 on the secondary market.
“In terms of identifying rare coins, we would urge collectors to check mintage figures as well as keep up to date with our Scarcity Index which is updated quarterly.”
Other rare 50ps have also been gaining traction online recently, including a Blue Peter 50p which sold for £216.
CHECK IF YOU HAVE A RARE COIN
Rare coins and valuable notes can be worth tens of thousands of times their face value.
Top ten rarest 50p list
The updated top ten now includes:
- 2023 Atlantic Salmon – 200,000 made
- 2009 Kew Gardens – 210,000 minted
- 2011 Olympic Football – 1,125,000 minted
- 2011 Olympic Wrestling – 1,129,500 minted
- 2011 Olympic Judo – 1,161,500 minted
- 2011 Olympic Triathlon – 1,163,500 minted
- 2018 Peter Rabbit – 1,400,000 minted
- 2018 Flopsy Bunny – 1,400,000 minted
- 2011 Olympic Tennis – 1,454,000 minted
- 2011 Olympic Goalball – 1,615,000 minted
But sometimes it’s just tiny differences which make them so lucrative.
The most valuable coins tend to be ones with low mintage numbers or an error.
Those qualities typically make them valuable to collectors.
Your next step would be to check if your coin is still available to purchase in superior Brilliant Uncirculated quality from an official Royal Mint distributor, according to Change Checker.
Certified Brilliant Uncirculated coins have been specially struck to a superior unblemished quality which set them apart from the coins you may find in pockets.
How do I safely store valuable coins?
HERE are some tricks to keep your valuable coins safe from toning:
- Store your coins in individual containers
- Put it in a clear, air tight holder that lets you see the coin from both sides
- Avoid putting them in clear plastic sandwich bags because they can still rub against each other an may cause scratches or marks
- Store your collection in a folder or album, although tarnishing may occur quicker than in an airtight container
- Keep them out of a damp environment. You can use silica gel to help prevent damp
- Wear clean, white gloves when handling the coins
- Steer clear of using PVC materials as it traps moisture and releases acidic gases which can damage the collection.
SELLING YOUR RARE COINS
There are many different factors to consider when trying to value a coin, including its condition and mintage, so it’s important to do your homework first.
If you’ve got a coin that you would like to sell at auction, you can contact The Royal Mint’s Collectors Service.
It has a team of experts who can help you to authenticate and value your coin.
You’ll need to enquire via email, and a member of the valuation team will contact get back to you.
Take a picture of your coin and attach this to the email – you can find the details on The Royal Mint’s website.
Be aware that you will be charged for this service though – the cost will vary depending on the size of your collection.
If you are looking to buy a coin online through a marketplace such as eBay, it’s important to know exactly what you are purchasing.
This is because anyone can list a coin on eBay and charge whatever amount they wish.
You should also be wary of fakes online – and keep in mind that on eBay a buyer could pull out, which means the coin won’t have sold for the price it says it has.
Meanwhile, we have put together a guide on the rarest and most valuable coins.
We also tell you what you should do if you find a lucky penny in your pocket.
What are the most rare and valuable coins?
Money
‘The next best thing!’ cry Home Bargains shoppers over Drunk Elephant dupe scanning at tills for £2.49
SHOPPERS are racing to get a Home Bargains dupe of a Drunk Elephant dupe scanning at tills for £2.49.
A savvy shopper posted the dupe in the Extreme Bargains UK Facebook group, where bargain hunters regularly share new items they discover in shops.
Home Bargains’ Dizzy Panda Glow Drops are a dupe for the incredibly popular Drunk Elephant variety of drops.
The knock-off Blush, Brightening and Bronzing Drops are scanning at the popular discount chain’s tills for only £2.49.
This is an unbelievable £31.51 cheaper than the real version from Drunk Elephant.
This makes the Home Bargain’s version almost 93 per cent cheaper.
Drunk Elephant’s ‘D-Bronzi Anti-Pollution Sunshine Drops’ went viral on social media for being amazing, making the Home Bargains version great for those watching their spending.
The caption of the post road: “Dizzy Panda Glow Drops Available At Home Bargains!”
Home Bargains’ skincare brand Dizzy Panda has made it into the Facebook group before which sent fans of Drunk Elephant wild.
One user commented: “The next best thing instead of spending a fortune on Drunk Elephant!”
Another said: “Need to try this, we love a dupe” when tagging a friend.
And: “It’s a need not a want!”
It comes after Home Bargains shoppers rush to buy an “amazing” beauty gift set that’s scanning at tills for £8 instead of £31.
The “ideal stocking filler” features several L’Oreal products.
Home Bargains has slashed the cost of its L’Oreal Blemish Buster Gift Set from £38.99 to just £7.99.
That’s over 80 per cent off meaning customers save £31.00.
What’s in the set?
- 1x Smooth Sugars Clearing Scrub 50ml.
- 1x Pure Clay Blemish Rescue Mask 50ml.
- 1x Hydra Genius Aloe Water 70ml.
Essentially, customers looking to exfoliate, treat and hydrate their skin for a good price, need look no further.
A Home Bargain’s representative posted a photo of deal to Facebook and wrote: “An ideal stocking filler. Just look at that saving.
“Available in store & online.”
How to save money on Christmas shopping
Consumer reporter Sam Walker reveals how you can save money on your Christmas shopping.
Limit the amount of presents – buying presents for all your family and friends can cost a bomb.
Instead, why not organise a Secret Santa between your inner circles so you’re not having to buy multiple presents.
Plan ahead – if you’ve got the stamina and budget, it’s worth buying your Christmas presents for the following year in the January sales.
Make sure you shop around for the best deals by using price comparison sites so you’re not forking out more than you should though.
Buy in Boxing Day sales – some retailers start their main Christmas sales early so you can actually snap up a bargain before December 25.
Delivery may cost you a bit more, but it can be worth it if the savings are decent.
Shop via outlet stores – you can save loads of money shopping via outlet stores like Amazon Warehouse or Office Offcuts.
They work by selling returned or slightly damaged products at a discounted rate, but usually any wear and tear is minor.
Money
I missed out on £50K after mistake entering People’s Postcode Lottery… it’s left me shaking
A VET who missed out on a whopping £50,000 in the People’s Postcode Lottery revealed that she was left shaking after realizing she secured the jackpot.
Kate Innes was left stunned after learning her street had shared a £1million cash prize.
The veterinary practice manager from Chesterfield bagged an eye-watering £50,000.
However, Kate was shocked to learn that she could’ve doubled her winnings had she purchased two tickets instead of one.
Several of her neighbours managed to secure a staggering £100,000 after buying two tickets.
Despite missing out on the extra £50,000, Kate revealed that she was over the moon to win the lotto prize.
After finding out that she had won, she exclaimed, “Oh my God, I’m shaking. Thank you so much!”: “Oh my God, I’m shaking. Thank you so much.
“That is legitimately crazy. I’ve been trying to remain as calm as possible.
“It just feels so surreal and incredible.”
The vet added: “I can’t believe it has happened. It’s an incredible amount of money just to even contemplate.
“I’m so incredibly happy for the neighbours. The level of the win is going to be able to make some people’s dreams absolutely come true.”
Kate and her fiancé Paul Rothwell have already made big plans for the future but said the cash prize has turbo-charged them.
The pair are planning a lavish hiking holiday in Austria next year and have plans to tour America in an RV.
Daredevil Paul has also scheduled a wing-walking experience to celebrate his birthday in January.
Kate said: “We’ll set ourselves up for the future. Probably a nice holiday.”
“We have got a longer plan to go touring around America in an RV,” Paul added.
“It might be eight weeks instead of four now.”
The scaffolder was shocked at the amount they won from the People’s Postcode Lottery.
“I thought it would be a £30,000 Street [Prize],” he added.
“Even if it was £1,000 it would be a bonus. This might liven up the street a bit.”
It comes after a dad received the life-changing news he’d won the lottery – only to be forced to split the £1 million winnings with four other people.
And a winning Postcode Lottery player bagged an eye-watering £200,000 and lost half a stone.
How to play the People’s Postcode Lottery?
For just £12 a month, players can sign up through the official website to have a chance of winning millions of pounds.
Once signed up, players are automatically entered into every draw and prizes are announced every day of each month.
Tickets play for the Daily Prize, worth £1000 and revealed every single day.
Tickets could also win a jackpot of £30,000 for Saturday and Sunday’s Street Prize draws.
People’s Postcode Lottery also offers a £3million Postcode Millions draw each month – where your ticket plays for a share of the cash prize fund.
Winners are notified by email, text, post, or phone call, depending on the prize they win.
Jackpot winners are visited by the lottery team in person.
Money
Our neighbour’s 6ft privacy fence blocks off garden they DON’T own… but council bosses won’t listen & we won’t let it go
IT’S very important to know your rights if you are embroiled in a fence row with a neighbour.
How do I know which side I own?
A boundary feature can be a fence, wall, hedge, ditch, piece of wire, or sometimes even just the edge of a driveway.
The only way to know for certain who owns what side and to avoid any neighbour disputes, is to refer to the title plan or Land Registry.
In this, the T mark is used to indicate who the boundary belongs to and therefore who is responsible for its upkeep, say pros at Jacksons Fencing.
Larger developments tend to have some indication provided by the builder, but there are no hard and fast rules
People often think they are responsible for the left (or right) hand boundary wherever they live, but there isn’t any legal basis for this.
You can check with HM Land Registry to see which boundary feature you are responsible for.
Often households can’t get hold of the paperwork but experts say they shouldn’t panic.
Homeowners can guess who owns the fence by checking where the rails are.
Pros say: “The fence is typically facing away from their property so that their neighbour gets the ‘good’ side.
“This is the most secure way of facing fencing so there are no rails for anyone to use to climb into your garden.
“This is then repeated with the neighbour on the other side to ensure that each home has both a ‘good’ and ‘bad’ fence side.”
Walls and fences are often built on the land of the boundary’s owner with the edge of the wall marking the limit.
While professionals agree a glimpse at the fence can give you a hint, it’s not foolproof – so you can’t be certain.
Fines and punishment
It is recommended to always check legal documents before making changes to avoid hefty fines.
There is no law that the neighbour has to get the good side of the fence, so it’s completely up to whoever owns the fence.
Fencing pros have suggested: “It may be worth selecting a double-sided panel with no ‘bad’ side as both sides look the same and rails are concealed within the fence panel.”
If one boundary backs onto a road or footpath you can install the panels with the rails on the inside
But if it’s installed on the outside, it can provide an “easy ladder for burglars to enter your garden”.
The Royal Institution of Chartered Surveyors (RICS) and the Property Litigation Association have created a mediation service to help neighbours resolve disputes over their property boundaries without resorting to court action.
RICS also provides a list of surveyors who could assist in boundary disputes.
If a dispute continues, it is ultimately a court that makes decisions, but they do not like such disputes being put before them.
Changing a boundary
If you want to change an existing boundary, such as replacing an old fence with a new one, we always recommend discussing with your neighbour first and making sure it is all agreed.
The registered titles can help you to reach an agreement, but only if this information has been added.
In terms of decorations on a fence legal advisers recommended asking around over who actually first installed it.
But they also urged caution before getting to work on amending the fence without getting more certainty yourself – since there is a danger of actually being prosecuted for criminal damage.
How high can a garden fence be?
The height of the fence is measured from your ground level, this can have an impact when, due to slopes in the ground, your garden may be at a higher level than your neighbours‘.
A garden fence can be as high as 100m but you need to get planning permission if it’s over than 2m.
However, there are some complications to this.
If you are thinking about front garden fences, restrictions state that fences alongside a driveway can be a maximum of 1m or 3ft.
You would need to get planning permission for putting a trellis on a fence of 2m.
But, if any plant that you grow on that trellis exceeds 2m, you do not need to obtain a permit for the growing plant.
Money
Much-loved music shop closes for good TODAY after 11 years as devastated shoppers cry ‘it will be missed’
Fabulous’ Fashion Director, Tracey Lea Sayer shares her thoughts.
I WAS 10 when I first discovered the utter joy of high street shopping for clothes with my mum and nan.
Going into town on Saturday became a family tradition – a girls’ day out we would look forward to all week.
My mum’s favourite shop was M&S, where she would gaze at jackets with big shoulder pads and floral sundresses, while my nan would make a beeline for John Lewis and their classic coats and elegant court shoes.
I was all over Tammy Girl – Etam’s little sister – and Chelsea Girl, which was later rebranded to high street fave River Island.
I would spend hours in the changing rooms, watched keenly by my two cheerleaders, who gave the thumbs up – or thumbs down – on what I was trying on.
Frilly Ra-Ra skirts, duster coats, polka dot leggings, puff balls, boob tubes… I tried them all, often making my nan howl with laughter.
Fashion wasn’t so fast back in the 1980s and every item was cherished and worn until it fell apart – literally – at the seams.
At 18, I went to art college and my tastes became more refined.
Extra cash from a part-time job in a bar meant I could move on to slightly more expensive stores, like Warehouse, Miss Selfridge and the mecca that was Topshop.
I knew at this point I wanted to work in fashion because the high street had totally seduced me.
One day, I wrote an article for a competition in a glossy mag about my love of retail therapy and my favourite LBD – and I won!
That led me to where I am today – Fashion Director of Fabulous.
It’s not just me that loves the high street – big-name designers are fans, too. When ‘Cool Britannia’ hit in the Nineties, they all turned up in one big store.
‘Designers at Debenhams’ was a stroke of genius by Debenhams CEO Belinda Earl, designer Ben de Lisi and fashion director Spencer Hawken, who introduced diffusion ranges from John Rocha, Matthew Williamson and Betty Jackson to name a few.
This meant we could all afford a bit of luxury and wear a well-known designer’s signature style.
Years later I hosted a night with Debenhams and Fabulous for 250 readers, who were in awe meeting all the designers. It was a real career highlight for me.
In 2004, H&M started rolling out their international designer collabs.
Karl Lagerfeld was first, followed by Roberto Cavalli, Marni, Stella McCartney, Maison Martin Margiela, Sonia Rykiel, Comme des Garçons, Balmain, Versace and many, many more. I could barely contain myself!
Then in 2007, Kate Moss launched her first collection with Topshop, with thousands queuing along London’s Oxford Street.
I remember sitting behind Ms Moss and Topshop boss Philip Green at a London Fashion Week Topshop Unique catwalk show.
I had my three-year-old daughter, Frankie, in tow and we both made the news the next day after we were papped behind Kate, my supermodel girl crush.
At the time, the high street was on fire. Who needed designer buys when Mango stocked tin foil trousers just like the designer Isabel Marant ones and you could buy a bit of Barbara Hulanicki’s legendary brand Biba from Topshop?
High street stores even started to storm London Fashion week.
Although Topshop Unique had shown collections since 2001, in 2013 River Island showed its first collection in collaboration with global superstar Rihanna, who was flown in by a friend of mine on a private jet. KER-CHING!
A whole new generation of high profile high street collabs followed.
Beyoncé created Ivy Park with Topshop’s Philip Green and I even flew to LA for Fabulous to shoot the Kardashian sisters in their bodycon “Kollection” for Dorothy Perkins.
I am pleased to say they were the absolute dream cover stars.
Fast forward to 2024 and while the high street doesn’t look exactly like it did pre-Covid, it has made a gallant comeback.
Stores like M&S, Reserved and Zara, and designer collabs like Victoria Beckham X Mango and Rochelle Humes for Next are giving me all the feels.
The supermarkets have really come into their own, too, smashing it with gorgeous collections that look expensive, but at prices that still allow us to afford the weekly shop.
The last 30 years of high street fashion have been one big adventure for me. Bring on the next 30!
Money
Cost of living payments worth up to £200 set to be paid to thousands on state pension – are you one of them?
THOUSANDS on state pension could be eligible for a cost of living payment worth up to £200.
Pensioners missing out on the Winter Fuel Payment this year are set to receive a cash boost to help cover energy costs.
Residents in Middlesbrough who are aged 80 and over, receive Council Tax Reduction, and are not eligible for the Winter Fuel Payment may be entitled to receive £200.
Those aged between 66 and 79 who meet the same criteria could also be eligible for a cash payment of £150.
An estimated 1,500 households are expected to benefit from one of the two payments.
Pensioners receiving Attendance Allowance, who are not on other benefits and have incomes less than £20,000 for a single person or £26,000 for a couple, can also apply for a £100 payment to help with the cost of living.
Middlesbrough Council also announced that they would issue automatic payments of £60 per child for families eligible for free school meals.
However, it will only be available if the council’s £1.65million scheme is approved.
Cllr Nicky Walker, Executive member for Finance, said: “When this phase of the Household Support Fund was announced, I made it clear where I thought we should prioritise our efforts to help pensioners of Middlesbrough on low incomes who will just miss out on getting the Winter Fuel Payment this year.
“The proposal strikes a balance between universal payments for families in receipt of certain benefits and targeting help at other groups, including pensioners.
“Given the national changes around the Winter Fuel Payment, it’s pleasing we’re able to propose something locally to support those pensioners this winter who may have worked hard all their lives but just miss out due to, for example, having a small works pension.”
Middlesborough Council have distributed a total of £1.5million Household Support Payments since April.
The proposed scheme will allow families who are not eligible for free school meals but are receiving Council Tax Reduction, Universal Credit, or Housing Benefit to receive £60 per child.
Middlesborough residents claiming Council Tax Reduction benefits will also be able to apply based on their income.
A single person will be entitled to £35, couples will receive £45, and households with children will get £60 per child under the proposed scheme.
Other details of the scheme include:
- Pensioners not receiving Council Tax Reduction or other benefits can apply for £100 per household if income is below £20,000 for single people and £26,000 for a couple
- Residents receiving Attendance Allowance who aren’t entitled to the Winter Fuel Payment or other aspects of the Household Support Funding can apply for £100 per household.
It comes after millions of households eligible for this year’s £300 winter fuel payment will receive another cash bonus from the DWP this winter.
And thousands of households not claiming pension credit will still get a winter fuel payment due to a little-known loophole.
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.
The government recently announced that thousands of pensioners will get a £200 one-off payment for energy bills after the winter fuel allowance cut.
It is part of the latest phase of its Household Support Fund, which offers vouchers to struggling Brits.
The funding is available across England, but the amount up for grabs depends on your local council.
More than 32,000 eligible households in Nottinghamshire will get the help to cover food and energy costs in the run-up to Christmas.
They include families with children eligible for Free School Meals and people receiving Pension Credit.
Social workers have identified other households which need financial support.
The council will contact eligible households next month, so residents do not need to take any action.
Those eligible can expect to get a one-off payment of around £100 per household.
The help comes via the latest round of the Household Support Fund which is worth £421million.
The fund is designed to help hard-up households cover the cost of living, mostly through cash grants, supermarket and energy vouchers.
Each council across England has been allocated a share of the £421million pot and decides who to distribute money to.
Other help on offer
If you’re not eligible for the Household Support Fund, you might be able to get a grant from your energy firm to cover energy debt.
British Gas is handing out grants worth £1,700 to struggling households through its Individual and Families Fund.
The fund is available to British Gas and non-British Gas customers living in England, Scotland or Wales.
You won’t be eligible if you received a grant from the British Gas Energy Trust within the last two years.
And you must be seeking a grant to clear outstanding debt on a current or open gas, electricity or dual fuel energy account.
Crucially, you also need to have received help from a money advice agency within the last six months.
If you don’t qualify for help with British Gas, a number of other energy firms offer help to customers struggling with energy bill debt.
This includes OVO, Boost, E.On, E.On Next, EDF, Scottish Power, Octopus, Shell Energy, SSE and Utilita.
How has the Household Support Fund evolved?
The Household Support Fund was first launched in October 2021 to help Brits pay their way through winter amid the cost of living crisis.
Councils up and down the country got a slice of the £421million funding available to dish out to Brits in need.
It was then extended in the 2022 Spring Budget and for a second time in October 2022 to help those on the lowest incomes with the rising cost of living.
The DWP then confirmed a third extension of the scheme through to March 31, 2024.
Former chancellor Jeremy Hunt extended the HSF for the fourth time while delivering his Spring Budget on March 6, 2024.
In September 2024, the Government announced a fifth extension.
Money
Aldi is selling giant 6ft inflatable Santa and Snowman for only £20
BARGAIN retailer Aldi is selling giant inflatable Santa and Snowman figures perfect for Christmas at cheap prices.
The holiday season is just around the corner and these life-size inflatables will be the perfect addition to your home decorations.
Aldi is selling six-foot inflatable Santa and Snowman figures for just £19.99.
The balloons are filled with lights that glow up when connected to power.
They are a must-have item in case you are planning to create your own little Winter Wonderland at your place.
For those gearing up for the Christmas season already, The Sun revealed Aldi’s quirky new Christmas range including fudge-flavoured cheese and a festive twist on a shopper’s favourite.
Everything from classic turkey, to mince pies, party picky bits and kids’ toys will soon be available to customers to make their Christmas celebrations even better.
Some of the standout items include Specially Selected Wagyu Tomahawk steak, which costs £24.99 per kilo and is on sale from December 19.
As well as the traditional 1.8kilo Specially Selected Slow Cooked Turkey Crown landing in stores on the same date.
Aldi is also selling a range of Bluey toys including a plush toy for £12.99 which is hitting shelves on November 28.
But the main event this year is Cuthbert, with a new Christmas-themed cake based on the iconic character set to go on sale.
It is the first time the popular caterpillar character has been featured on the Christmas range.
We have asked Aldi how much the cake will cost and when it will go on sale and will update this story when we’ve heard back.
Christmas is a time of indulgence and magic – and this year’s Aldi certainty hasn’t held back.
Aldi is not the first retailer to launch a Christmas showcase this year – our reporters have already been to Sainsbury’s, M&S’ and Tesco’s.
Meanwhile, M&S shoppers are rushing to buy £15 Christmas chocolate boxes with a “magical” surprise feature.
The fancy supermarket has brought out a gift box with a magical miniature forest inside – and when you shake it, it snows.
You can also buy a 140g box of festive chocolate shortbread stars for £2.10 in Tesco.
Or Cadbury‘s 110g snow-ball themed chocolate bar is available to buy in most supermarkets.
In Sainsbury’s, for example, it is £1.65 for a bar of snowball chocolate, or £4.50 for a 270g bag of snow balls.
Aldi is also selling a 125g box of Dairyfine mini chocolate snowmen for £3.29.
Supermarkets are always changing their prices, so it’s best to check how much your product is online before visiting the store.
Websites like Trolley are useful for comparing prices between major supermarkets and making sure you bag the best deal.
And when you’re in store, it always helps to keep an eye out for yellow stickers, as you never know what might unexpectedly be reduced.
How to save money on Christmas shopping
CONSUMER reporter Sam Walker reveals how you can save money on your Christmas shopping.
Limit the amount of presents – buying presents for all your family and friends can cost a bomb.
Instead, why not organise a Secret Santa between your inner circles so you’re not having to buy multiple presents.
Plan ahead – if you’ve got the stamina and budget, it’s worth buying your Christmas presents for the following year in the January sales.
Make sure you shop around for the best deals by using price comparison sites so you’re not forking out more than you should though.
Buy in Boxing Day sales – some retailers start their main Christmas sales early so you can actually snap up a bargain before December 25.
Delivery may cost you a bit more, but it can be worth it if the savings are decent.
Shop via outlet stores – you can save loads of money shopping via outlet stores like Amazon Warehouse or Office Offcuts.
They work by selling returned or slightly damaged products at a discounted rate, but usually any wear and tear is minor.
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