.jpeg%3Ftrim%3D49%2C0%2C49%2C0%26width%3D1200%26height%3D800%26crop%3D1200%3A800&w=3840&q=100)
Can you explain how Avios are different from tier points?
Megan D
A Airline loyalty programmes are complicated and change often. But most have two fundamentally distinct rewards. The first is 'free' flights (the quote marks are because usually you have to stump up quite a lot of cash to pay for fees and taxes before you can go anywhere). The second is elite status, which confers benefits such as lounge access, extra baggage allowances, free advance seating and bonus frequent flyer points.
Think of them as two separate currencies. You can acquire frequent flyer points (leading to free flights) by flying frequently, but also by spending with particular retailers or using certain credit cards. But however many frequent flyer points you can save, you are not guaranteed anything beyond the scheme's most basic membership level – Blue, in the case of British Airways.
To go up in the world, you need to focus on 'tier points'. These have no intrinsic value beyond allowing you to climb the status league. You typically earn tier points each time you fly. Typically the longer the journey, and the higher the class of cabin, the more points you accrue. Eventually you reach a level where you have lounge access (Silver for BA) and, beyond that, many other benefits such as superior lounges and seat choice.
With some frequent flyer programmes, there are ways of earning loads of tier points without spending too much actual cash. Some travellers go on 'points runs' specifically to gain elite status. That was one reason British Airways decided to restructure its loyalty programme, so that tier points are linked to spend rather than distance flown.
To sum up: 'normal' points (such as Avios) get you free flights or upgrades. But tier points bestow some valuable extras, which is why BA's changes were so controversial.
Q You have been writing once again about passengers being denied boarding on flights to the EU because of confusion over passport validity. Couldn't each airport nominate a manager – somebody with authority and an expert understanding of the rules – to adjudicate when airlines refuse?
David P
A At the start of 2021, Brexit took effect and the UK achieved its goal of becoming a 'third country' with fresh restrictions on passport validity and length of stay. Because it was clear that there would be confusion over the new rules, I liaised with officials in Brussels to establish the exact rules – which I passed on to the major airlines and holiday companies.
A British visitor to the European Union must meet two conditions. First, the passport must have been issued less than 10 years ago on the day of departure to the EU. Second, on the day of intended return, it must have at least three months remaining.
I established with EU officials that these conditions are independent of each other. For example, you could travel out on the day before your passport's 10th birthday, and stay for up to 90 days (assuming you comply with the 'three months remaining' rule). But the UK government, easyJet and Ryanair invented a non-existent rule: that a British passport expires, in the eyes of Europe, when it is nine years and nine months old.
Eventually, these organisations accepted that the rules were as I had stated. Yet as multiple cases show, some airport ground staff still make up their own versions and wrongly turn away passengers.
Your idea is appealing but I cannot see it happening. First, who would pay for such an arbitrator? I cannot see the airport or airlines wanting to see their costs increase. Second, such a role should not be necessary: the staff member need simply look at the issue date and check it was less than 10 years ago; then look at the expiry date and ensure it is at least three months after the intended day of return.
Q How should you deal with the passenger in front of you who reclines his or her seat without consideration? This happened to me on a recent flight from Singapore to Perth. I spoke to a stewardess but she proved unhelpful.
Janet T
A Other people, eh? Jean-Paul Sartre surely had aviation in mind when he declared: 'L'enfer, c'est les autres.' When you are crammed into an economy class seat on a longhaul flight, hell is indeed other people. The experience is even less appealing if the passenger in front thoughtlessly presses the recline button and launches the seat towards you, possibly crushing your laptop or spilling your drink.
In my experience, cabin crew will intervene and ask errant passengers to raise their seats prior to take-off or landing. Safety protocols demand this, in order to avoid an obstruction during an emergency evacuation. Cabin crew will also ask for seatbacks to be raised during the meal service. But beyond that they tend not to get involved in issues of comfort and courtesy between passengers. I have observed something of a domino effect rippling through the economy cabin: the first row reclines, and everyone else behind puts their seat back to compensate.
You ask how to 'deal with' an inconsiderate passenger. Perhaps I am too British, or timid, or both, but I don't engage with people in front who feel entitled to go for maximum space with maximum force.
I can offer two routes to avoiding such problems in future: one expensive and one cheap. The first is to invest in a superior class; premium economy looks to me as though a recline would not feel invasive, and once you are in the realms of business and first then you have your own personal cocoon. The second: go low cost. Some travellers were annoyed when easyJet and Ryanair took away the recline function on aircraft seats for cost-saving reasons. But it worked wonders in ending recline wars. Today we all put up with fixed seatbacks on budget flights, even those lasting five or six hours.
Agreed, the UK's no-frills carriers do not serve Australia. But you can stitch together a sequence of cheap flights to cover a journey of any length. Breaking up a longhaul from the UK to Australia with overnight stays in Istanbul, the Gulf, India, Thailand and Singapore could make for a comfortable adventure.
Q For spending when abroad I use a no-fee credit card and make cash withdrawals on my First Direct debit card, which also has no fees for use abroad. But last month in the Canaries I tried three different bank ATMs, and the cheapest fee per withdrawal was €7 (around £5.80) – twice what I paid last autumn.
Is this situation likely to continue, or get any worse?
John E
A Using cash and fee-free credit and debit cards when travelling abroad maximises the value of increasingly pathetic sterling. As a First Direct customer myself, I appreciate the chance to withdraw cash at ATMs abroad without any charges from my UK bank.
Five years ago (ie before Covid) it was relatively rare to find an ATM abroad that made an unwelcome demand for several euros to dispense the required notes. But, like you, I am increasingly seeing cases in which cash withdrawals incur significant charges. The providers of ATMs have seen usage slump, and say that banks cannot reasonably be expected to subsidise the free use of cash machines through their other activities. Providing a fully stocked ATM on a Canary island, with all the security and maintenance issues involved, is an expensive business. A 'direct access fee' of the scale you encountered reflects this reality.
With uncertainty about how much it might cost to get hold of foreign funds, obtaining euros before leaving the UK is a better idea. Some companies offer excellent rates to walk-up customers or by post. But don't take out too much cash: increasingly many traders have given up on physical money and insist on contactless payment. I have been in Australia since Saturday and have found no situation in which I was required to pay cash, and many in which contactless is the only option.
But while you are paying by card or your phone, beware of 'dynamic currency conversion' (DCC). The user is invited to lock into a specific exchange rate – which is guaranteed to be advantageous to the merchant at the expense of the traveller. Say 'yes' to DCC and you will lose a slice of your holiday cash.

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Scottish Sun
3 minutes ago
- Scottish Sun
Rare UK coin with Queen's portrait to enter circulation for last time – and it could be worth 95 times its face value
Plus, we share how you can spot a rare coin ALL CHANGE Rare UK coin with Queen's portrait to enter circulation for last time – and it could be worth 95 times its face value THE final batch of £1 coins featuring the late Queen Elizabeth II's portrait will enter circulation for the last time - and they could be worth a pretty penny. More than 23million of the coins are being released today, Wednesday August 20 by the Royal Mint has said. 1 The £1 are entering circulation That means you could spot one in your change in the coming weeks. These pieces will be the final ones bearing Elizabeth II's portrait to enter circulation. Plus, the Royal Mint said these coins dated 2022, are the rarest £1 coins in active circulation. If you are keen to spot the coin, there are a few details you can spot. The front, or heads side, of the coin features a portrait of the late Queen Elizabeth and the date 2022. While the reverse, or tails side, features an image of a crown with an English rose, Scottish thistle, Welsh leek and Northern Irish shamrock. The coin joins a raft of other rare £1 pieces, including the 2011 Edinburgh City coin that has sold for 95 times its face value. These coins have a mintage of just 935,000, making it a rare find. Back in June, the coin sold for £23 on eBay after 21 bids. The coin was part of a series depicting the four capital cities of the UK and is the only £1 coin with a mintage below one million. Five 50ps that could earn you thousands In comparison, a recent bidder paid £7.53 for one of the coins after fighting off bids from five others. But coins are only worth what sellers are willing to pay for them. So another piece may sell for a higher or lower price later down the line. It comes as the official maker of UK coins is also set to release 7.5 million new King Charles III £1 coins. The 50p and £1 are the only denominations with Charles's portrait to have entered circulation so far. The King's £1 coins feature an intricate bee design on the reverse and are part of the Definitive collection, inspired by the flora and fauna of the British Isles. Rebecca Morgan, director of commemorative coin at the Royal Mint, said: 'This release represents a pivotal moment in British coinage history. 'As we release more of the King Charles III £1 coins into circulation alongside the final coins of Queen Elizabeth II, we're witnessing the physical representation of our monarchy's transition." She added: "This dual release creates an exceptional opportunity for both seasoned numismatists and those new to coin collecting.' 'Finding these new coins in your change could spark a rewarding hobby that connects you with the heritage, history and craftsmanship behind British currency.' And that is not the only rare coin that collectors are keen to get their hands on. The Kew Gardens 50p recently fetched £205 on eBay after 29 buyers battled it out for the piece. Other rare coins to keep an eye out for are the Atlantic Salmon 50p, How to spot rare coins and banknotes Rare coins and notes hiding down the back of your sofa could sell for hundreds of pounds. If you are lucky enough to find a rare £10 note you might be able to sell it for multiple times its face value. You can spot rare notes by keeping an eye out for the serial numbers. These numbers can be found on the side with the Monarch's face, just under the value £10 in the corner of the note. Also, if you have a serial number on your note that is quite quirky, you could cash in thousands. For example, one seller bagged £3,600 after spotting a specific serial number relating to the year Jane Austen was born on one of their notes. You can check if your notes are worth anything on eBay, just tick "completed and sold items" and filter by the highest value. This will give you an idea of what people are willing to pay for some notes. But bear in mind that yours is only worth what someone else is willing to pay for it. This is also the case for coins, you can determine how rare your coin is by looking a the latest scarcity index.


Daily Mirror
3 minutes ago
- Daily Mirror
Worrying number of pubs and restaurants that have put prices up revealed
Tax increases announced by Labour to tackle a hole in the public finances have led to price increases and job cuts throughout the hospitality sector, say bosses, as they called for help from the Chancellor Nearly eight out of 10 pubs, restaurants and others have upped prices as a direct result of government triggered cost increases, research has revealed. More than half of hospitality firms questioned said they had also cut staff numbers since April's increase in employers' national insurance and the minimum wage. Labour Chancellor Rachel Reeves insisted tax increases were needed to try to plug a hole in the public finances left by the Tories. The results come as trade bodies joined forces to urge Labour to ease the pressure on the sector, amid fears of worse to come. Industry chiefs say April's increases have added £3.4billion a year to costs, and resulted in 84,000 jobs being lost since last year's autumn Budget. The British Institute of Innkeeping, the British Beer & Pub Association, UKHospitality and Hospitality Ulster came together to make a fresh plea. In a joint statement, they said: 'This shocking data reinforces the urgent need for government to recognise the incredible pressure hospitality businesses have been put under, particularly since April, and illustrates why it should come forward with measures to support this vital sector at the Budget. 'Unsustainable tax increases are squeezing businesses, stifling growth and investment, and threatening local employment, especially for young people. It is forcing businesses across the sector to make impossible decisions to cut jobs, put up prices, reduce opening hours and sadly limit the support they desperately want to give their communities. 'Hospitality is united in which measures will reverse this trend and drive growth: a reduction in VAT for hospitality, changes to employer NICs and permanently lower business rates for the sector. Now is the time to act and back a vital British sector that supports the economy, jobs, and local communities. We urge the Government to do so at the Budget this autumn.' It follows recent figures showing nearly five pubs were lost for good across Britain every week in the first half of this year, with more than 600 standing empty long term. It takes the number of pubs that have closed since 2016 to almost 5,000, according to data from the Campaign for Real Ale (Camra). There have also been warning about the impact of tax rises on the high street too. The number of high street firms going bust is on track to surge by more than a quarter this year, experts have warned. The latest casualty is Claire's Accessories, which has gone into administration, threatening more than 2,000 job losses. Bargain chain Poundland has also announced a number of store closures. Industry experts Kroll said: 'Our data suggests that at current levels, there will be a 25% increase in retail failures year-on-year.' Latest data also suggests a rise in private schools going under after the government added VAT to fees. However, figures from the Insolvency Service showed only a small rise in business failures despite tax rises and the weak state of the economy. Official data showed there were 2,081 company insolvencies in England and Wales in July, edging up by 1% compared with June. Experts said firms are being challenged by 'relentless uncertainty' in the global economic environment. Simon Edel, UK turnaround and restructuring strategy partner at EY-Parthenon, said: 'Many businesses are also contending with higher costs including recent increases to employer national insurance contributions and the national living wage. "With interest rates still relatively high - alongside significant working capital demands and a constrained credit environment - liquidity pressures are intensifying for more UK companies. This is causing more businesses to call time.' A government spokesperson said: 'Our Plan for Change recognises the vital importance of pubs, cafes and restaurants to local communities. 'That's why we're cutting the cost of licensing, helping more pubs, cafes and restaurants offer pavement drinks and al fresco dining and extending business relief for these businesses - on top of cutting alcohol duty on draught pints and capping corporation tax.' The government has said small businesses will not see a rise in National Insurance Contributions (NICs) and that any rise in NICs will help pay for the NHS.

Western Telegraph
25 minutes ago
- Western Telegraph
Last batch of rare final Queen Elizabeth II £1 coins entering circulation
More than 23 million Queen coins are being released alongside 7.5 million new King Charles III £1 coins. The Royal Mint said the last of the Elizabeth II coins, dated 2022, are the rarest £1 coins in active circulation. The late Queen died in 2022 but her coins remain in circulation (Victoria Jones/PA) The historic transition – with the dual release of almost 31 million coins – represents a significant moment for UK coinage, as the nation witnesses the changeover from Britain's longest-reigning monarch to her son and heir on the £1 denomination, the Royal Mint said. The Queen's £1 coins will be the final ones bearing Elizabeth II's portrait to enter circulation. Rebecca Morgan, director of commemorative coin at the Royal Mint, said: 'This release represents a pivotal moment in British coinage history. The reverse side of the new Queen Elizabeth II £1 coin (Royal Mint/PA) 'As we release more of the King Charles III £1 coins into circulation alongside the final coins of Queen Elizabeth II, we're witnessing the physical representation of our monarchy's transition. 'This dual release creates an exceptional opportunity for both seasoned numismatists and those new to coin collecting.' The Royal Mint is encouraging the public to check its change over the coming weeks, as the new coins begin to appear in pockets and tills across the nation. The King Charles III £1 coins in production (Royal Mint/PA) Ms Morgan added: 'Finding these new coins in your change could spark a rewarding hobby that connects you with the heritage, history and craftsmanship behind British currency.' Since the introduction of the King's effigy on UK coinage in 2023, the 50p and £1 are the only denominations with Charles's portrait to have entered circulation so far. The King's £1 coins feature an intricate bee design on the reverse and are part of the Definitive collection, inspired by the flora and fauna of the British Isles. Some 2.975 million £1s with the King's effigy were released in August last year. The King Charles III coins being struck at the Royal Mint (Royal Mint/PA) In total, there are around 24.7 billion coins in circulation across the UK, with the King's coins representing only around 0.004% of those, making his new coins highly desirable to collectors. All UK coins bearing the Queen's portrait will remain legal tender and in active circulation to allow a smooth transition and minimise the environmental impact and cost.