If you earn less than your taxable allowance per year you should not be paying tax on any interest from money in your bank accounts.

The allowance is around £8100 for 2012/13.  Check the exact figures for your circumstances here on the UK government website.

Take this quick online test to see if you should not be paying tax http://www.hmrc.gov.uk/calcs/r85/, on the official UK government website. It asks a few simple questions then calculates if you are under the limit or not.

If it advises you to fill in a R85 form, print them from here (or ask for one in any bank branch) fill them in and hand over at the banches where your accounts are.

The bank will then pay you interest without taking 20% off in tax. So for example, for normal tax payers, if you have an account paying 5% on £10000 they would take off 1% (£100) and pay you 4% (£400) for the years interest. After filling in an r85 form they would pay you the full 5% (£500).

Great website showing prices and offers.  See all BOGOF’s and special offers before you visit the store or order online!

MySupermarket.co.uk Screenshot

Compare Top Offers prices via mySupermarket.

You can selct the store from the left sidebar and your shopping basket and the current products your viewing will be updated automatically.

Click an item picture and it will give you comparisons in price from each supermarket so you can see who is cheapest.

Click the dropdown menu on the top right and “Sort by > Price Per Unit” showing you which items are best value.

Views of garden, photos stiched together using photoshop cs5. Click to see super hi-res.

Gardens covered in snow. Plane Diverted, Mum and Aunty in Germany lol

If you have a spare £1000 saved you can earn £110 plus £150 in bonus this year.  Probably alot better than the 2.5% (£25) your currently getting from your saving account.  Here is how:

Halifax will pay you £5 every month for paying £1000 in to their current account.  www.halifax.co.uk
Now Santander pay you 5% (on upto£2500) if you pay £1000 in each month to their current account.  www.santander.co.uk

So the trick is to setup standing orders betweeen both accounts, the £1000 pings between both accounts each month. 

Set up two standing orders between the accounts (easily setup online) : 1st from the Santander account (where it stays most of the month as they will pay you the interest),  transfer to the Hallifax account, leave three days for it to enter the account, then return it back to the Santander account with the second standing order. 

You can earn £185 from £2500 savings using this method.  £60 from Hallifax,  £125 from Santander.  That works out to 7.4% interest on £2500.

Or earn £110 from £1000, £60 from Hallifax, £50 from Santander, working out a whopping 11% on £1000!

Additionally you can “transfer”  from your existing accounts,  you will also get £50 and £100 one off bonuses.

Get up to 50 points per month for using searcher toolbar.  Great if you shop at Sainsbury’s.  Im saving up for a round the world cruise ETD: 2024!

nectar.com/collect/toolbar/home.points

How it works:  you install the addon for your browser, enter your nectar card number, and the points get added automatically to your account, you can check them online.

I disable the toolbar after i reached the max 50 points Tools>Manage Add-ons, as it does slow the browser down a touch in IE8. 

You can also disable the flash/shockwave plugin there if you dont want those cpu hungry ads slowing your working day down.

If you want any broken links or missing page requests (404 page not found) to be redirected to your home page you can add a line of code in your cpanel.

Login to your cpanel,  go to advanced, error pages,  select your domain, select 404 (not found),  copy and paste the following code into line 1, hit save, your done!

<meta http-equiv=”Refresh” content=”0; URL=http://nadeemx.com”>

you can also do the same for the other 4 error pages:
400 (Bad request)
401 (Authorization required)
403 (Forbidden)
404 (Not found)
500 (Internal server error)

You will now never lose traffic due to google/other sites  linking to pages you have deleted, or renamed.

For WordPress you need to edit your 404.php to redirect to your home page.

In wp-admin>Appearance>Themes>Editor by wrapping the below code inside  ”<?php                       ?>"

header(“HTTP/1.1 301 Moved Permanently”);
header(“Location: “.get_bloginfo(‘url’));
exit();

I think the red is too light, i will darken it soon.

Update: I trashed the red/blue theme, gone for white cloady/rainbow design.

Take a look : www.nad33m.com

Sign up to Bing Search and every 10 searches they give 5p to the charity.  Bing is the seach engine by Microsoft.

Download a small program it saves the number of times you search. (Microsoft assures it does not track what you search just how much )

Make sure your logged in when you search. Perfect way to raise money if you use search engines in your work or hobbies.

Also it works with image searches and so its great for using when looking for graphics or designs. Click banner bellow to get started!

update: this no longer is avaialble from bing.