Foreign Perspectives

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“Discuss” is probably one of the worst words that can be used in an exam or assignment question.

Why? Well, because, on the whole, you’ve no idea whether or not your answer is anywhere near complete no matter how much you work on it. A seemingly excellently written answer can end up in fairly low marks whilst at the same time an answer that you might feel is very poor comes back with really high marks.

The problem is, of course, that unless you are very good at the subject you won’t really know for sure if you have included all relevant aspects in the discussion for a start. It is possible to get really high marks on a “discuss” question but, by and large, I think that for a whole lot of people the mark coming back seems almost random. For example, if there are five points on the marking sheet then miss just one and there’s potentially 20% out the window even if you address the other four points perfectly.

And, yes, this post has been prompted by a “discuss” question that I’ve just submitted. I’ve loads of references in it so, in principle, the mark should be reasonable but, really, I’ve no idea whether it’ll be 50% or 80%. Still, one big plus point is that it doesn’t actually matter as I’ve already passed the assignment section of the course.

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Package holidays are one of the more expensive ways you can go about booking your holiday.

However, they’re obviously a lot handier than booking each component separately yourself. Oh, it’s not so bad when you’re just booking a short-break but try booking a family holiday to Florida in separate bits and you’ll soon be tearing your hair out.

Until now, that is because bespoke Florida holidays are now available from Florida4Less which is part of the Co-Op. This site lets you build your very own package so you can select flights, car hire and villas/hotels separately. In principle that’ll save you money compared to the equivalent package deal but it’s hard to compare like with like at the moment as we’re in the midst of the holiday season.

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For most people the answer is simple: they’ll look it up in their favourite price comparison site.

They’d not find it there, or at least they would but the ranking systems used don’t always mean that the cheapest card pops up on the top of the list, especially when you consider that the majority of such sites are financed by income from affiliate links so there’s generally a certain amount of bias built in. Anyway, because of this I thought that I’d look through all the offers around and find which one was really the cheapest.

That wasn’t nearly so simple a task as you might think. Although there are rules about how they should display their charges in fact that tends not to work to the advantage of the lower charging cards as much as you might expect.

Anyway, I thought that I’d finally got it sussed and it was the ICE travel money card that was far and away the winner. After all, it was free to issue and renew when all the rest charged, so how could it not be the best? Well, the FairFx card was coming in at £1 per withdrawal vs £1.75 a go for ICE so at some level of spending FairFX would pull ahead of course. Still, it was £10 to issue and £6 to renew so you’d need a more than 10 cash withdrawals a year for it to be cheaper.

But then a few days after I posted the article, I found out that you can get the FairFX card free which levelled up the playing field and then I checked further into the exchange rate charge and they only charge 1%. I still don’t like cards that charge though and that £6 renewal charge was there albeit only every three years.

However, now it turns out that the FairFX people have free renewals so long as you topup your card at least once every three years so in fact what seemed like a potentially high charging card turned out to be the cheapest one by a long way.

And that’s the snag of the charges tables that the rules insist on: the FairFX card doesn’t sit well in them because, by and large, its charges are conditional. The £10 issue fee is optional in fact but clearly stated in the table. Likewise for the renewal fee. Their currency conversion charge is “about 1%” because they give you the best available at the time so they don’t seem to be able to state that in the charges table.

Anyway, you can read the full review over on my other blog.

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