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good to know<br />

Why it pays to have a<br />

credit card<br />

Make sure you get the most from your money every time you spend <br />

By Sarah Pennells<br />

When used sensibly, credit cards can be a shopper’s best friend,<br />

as you get useful legal protection if there’s a problem and the<br />

shop won’t help, and they’re a better option than a debit card if<br />

you’re worried about fraud. But which card should you choose?<br />

Cashback<br />

and reward<br />

credit cards<br />

0% interest<br />

on purchases<br />

cards<br />

Cards for<br />

travel fans<br />

to use abroad<br />

Cards to help<br />

build your<br />

credit record<br />

Balance<br />

transfer<br />

cards<br />

Cashback and reward<br />

credit cards give<br />

you money or points<br />

every time you<br />

shop with your card.<br />

The reward points<br />

may be linked to a<br />

supermarket, or give<br />

you travel miles.<br />

M&S Bank’s Reward<br />

Plus card gives you<br />

one point for every<br />

£1 you spend at M&S<br />

and one point for<br />

every £5 you spend<br />

everywhere else. All<br />

M&S credit cards give<br />

you preferential rates<br />

on travel money you<br />

buy at M&S using<br />

your card.<br />

If you’d<br />

prefer cashback,<br />

the American<br />

Express Platinum<br />

credit card gives<br />

you 5% cashback<br />

for the first three<br />

months, then<br />

1%. But beware,<br />

some shops<br />

don’t take<br />

Amex cards.<br />

You can get interest-free<br />

shopping for two years<br />

or more if you pick the<br />

right card. Post Office<br />

Money’s Platinum card<br />

charges 0% interest<br />

on purchases for 28<br />

months, but you have to<br />

apply for it online.<br />

If you don’t want<br />

to apply online,<br />

Sainsbury’s Bank has a<br />

similar card (also 0% for<br />

28 months) – and there’s<br />

a bonus of earning<br />

Nectar points on<br />

your spending.<br />

Regular credit cards<br />

charge a fee every time<br />

you use them abroad<br />

– typically up to 3%.<br />

You’ll also get charged<br />

for taking cash out<br />

on holiday.<br />

But some cards<br />

– like the Halifax Clarity<br />

credit card – don’t.<br />

There are no fees if<br />

you use it for spending<br />

abroad and no fee to<br />

take cash out – but you<br />

will pay interest.<br />

If you have a bad, or no,<br />

credit history, a credit<br />

builder card may be<br />

useful. It charges a much<br />

higher interest rate and<br />

the credit limit is set low.<br />

You must pay it off in full<br />

each month to improve<br />

your credit rating.<br />

Barclaycard Initial<br />

credit card charges<br />

interest at about 34.9%<br />

APR, but that should<br />

be reduced after<br />

12 months’ payments<br />

on time.<br />

Balance transfer cards<br />

let you move unpaid<br />

balances from your<br />

credit card(s) to one<br />

that charges 0%<br />

interest. You normally<br />

have to pay a balance<br />

transfer fee of between<br />

1% and 3%. Make<br />

sure you pay off the<br />

balance before the 0%<br />

deal runs out.<br />

Tesco Bank’s<br />

Clubcard balance<br />

transfer card charges<br />

0% interest for 32<br />

months, with a fee<br />

of just 0.99% on<br />

balances you<br />

transfer in the<br />

first 90 days.<br />

n All information<br />

correct at the<br />

time of going<br />

to print<br />

pics: alamy stock photo<br />



The original<br />

Princess<br />

of Style<br />

With a fascinating<br />

new BBC<br />

documentary<br />

on the Queen’s<br />

younger sister<br />

just out and TV<br />

series The Crown<br />

returning soon<br />

we take a look at<br />

one of Princess<br />

Margaret’s greatest<br />

passions... fashion<br />

With her trademark cigarette<br />

holder and right, Helena<br />

Bonham Carter striking a<br />

similar pose in the Netflix<br />

drama The Crown<br />

The Princess<br />

shows off a<br />

sweetheart<br />

neckline in<br />

the Fifties<br />

By Katharine Wootton<br />

Decades before<br />

the outfits of<br />

Diana, Princess<br />

of Wales, were<br />

filling the<br />

fashion <strong>mag</strong>azines, there was<br />

another icon of style in the<br />

household of Windsor.<br />

Princess Margaret’s<br />

dazzling fashion sense and<br />

tumultuous life captured the<br />

attention of the world. Today,<br />

16 years after her sad passing,<br />

interest in the Queen’s sister<br />

is again at a height, partly due<br />

to the hit Netflix drama, The<br />

Crown. Back for a new series<br />

later this year, actress Helena<br />

Bonham Carter will take<br />

over the role of the Princess<br />

in her middle years. At the<br />

same time the BBC has<br />

recently shown a two-part<br />

documentary called Princess<br />

Margaret: The Rebel Royal,<br />

exploring how her life and<br />

loves influenced the times<br />

she lived in.<br />

Unlike her sister who<br />

was expected to maintain a<br />

diplomatic i<strong>mag</strong>e, all while<br />

showing her support for<br />

British designers, Princess<br />

Margaret was held by no<br />

such boundaries. And she<br />

took full advantage of that.<br />

So when the French<br />

fashion house Dior created<br />

the New Look in 1947, with<br />

its cinched-in waists and<br />

long full-bodied skirts,<br />

Margaret immediately<br />

became almost the poster<br />

girl for the look.

news nostalgia<br />

Margaret was<br />

a regular at<br />

Dior’s fashion<br />

shows and even<br />

hosted the 1958<br />

presentation<br />

of Dior’s winter<br />

collection<br />

(pictured right)<br />

overseen by<br />

a young Yves<br />

Saint Laurent at<br />

Blenheim Palace<br />

Margaret poses for birthday<br />

portraits wearing her<br />

beloved Dior at ages 21 (left)<br />

and 26 (above)<br />

She loved the fe<strong>mini</strong>nity<br />

of the silhouette shape<br />

and even referred to the<br />

Dior dress she wore for<br />

her 21st birthday, with its<br />

off-the-shoulder sleeve,<br />

applique bodice and<br />

decadent, layered skirt,<br />

as her ‘favourite dress of<br />

all time’. Where Princess<br />

and later Queen Elizabeth<br />

wore clothes that were<br />

practical and fit for the<br />

occasion, Margaret loved to<br />

experiment with fashion.<br />

She opted for halter necks,<br />

where her sister chose<br />

more modest necklines,<br />

and explored detail,<br />

textures and sumptuous<br />

layers upon layers of fabric<br />

when Elizabeth preferred<br />

something plainer.<br />

Even in their wedding<br />

dresses – both designed by<br />

Norman Hartnell – there<br />

were differences between<br />

the two iconic outfits.<br />

Margaret opted for a fitting,<br />

shapely gown with a crisp<br />

V-neckline and Poltimore<br />

tiara, on trend for her Sixties<br />

nuptials, compared to the<br />

Queen’s demurer gown of<br />

the Forties.<br />

Dresses generally, though,<br />

were clearly where Margaret<br />

was most comfortable,<br />

as she was regularly<br />

photographed in a collection<br />

of glamorous ballgowns,<br />

matched with jewels, a fur<br />

stole and her trademark long<br />

cigarette holders. In evening<br />

wear, the dress that really<br />

caught everyone’s eyes was<br />

the pink one-strap gown<br />

with the diamond necklace<br />

that she wore on her 26th<br />

birthday in 1956, while<br />

her day wear was equally<br />

striking, such as the polka<br />

dot dress she wore with<br />

cat’s-eye sunglasses to the<br />

races in Jamaica in 1955.<br />

Moving into the Eighties<br />

and beyond, Margaret<br />

favoured big, bold colours,<br />

proving that just like her<br />

personal life, nothing was<br />

ever beige in the world of<br />

Princess Margaret<br />

On the beach,<br />

at a gala, at the<br />

races, Margaret<br />

always picked an<br />

outfit that differed<br />

from the royals’<br />

choices, a subtle<br />

curveball that was,<br />

perhaps, a tiny rebellion<br />

against the forces that had<br />

controlled everything in her<br />

life, down to the man she<br />

married.<br />

In the Seventies,<br />

Margaret’s style entered<br />

a new chapter as her<br />

clothes took a tropical turn,<br />

seemingly in response<br />

to her regular holidays in<br />

Mustique in the Caribbean.<br />

She even embraced the<br />

Seventies kaftan look, allying<br />

herself more with the hippy<br />

movement in a way the<br />

Queen could never do. Going<br />

into the Eighties and beyond,<br />

Margaret favoured big, bold<br />

colours, proving that just like<br />

her personal life, nothing was<br />

ever beige in the world of<br />

Princess Margaret.<br />

Interestingly, though,<br />

it was this final chapter of<br />

Margaret’s fashion story in<br />

which she picked brightcoloured<br />

two pieces for royal<br />

engagements that she most<br />

closely matched the fashion<br />

choices of her sister who<br />

has always favoured bold<br />

block colour ensembles.<br />

These sisters, previously<br />

so divided in their fashion<br />

choices, were now seemingly<br />

in harmonious sartorial<br />

agreement. But whatever<br />

she wore, throughout her<br />

life Princess Margaret proved<br />

herself a master of elegance,<br />

never looking less than<br />

pristine, even during the<br />

long period of illness before<br />

her death, making sure that<br />

upon her passing in 2002<br />

she was remembered then,<br />

and now, as the original<br />

princess of style.<br />

n Princess Margaret: The Rebel<br />

Royal is available to watch on<br />

BBC iPlayer<br />


83<br />

PICs: getty i<strong>mag</strong>es, Trinity Mirror/Mirrorpix/Alamy Stock Photo,<br />

rex/shutterstock, netflix/sophie mutevelian

‘My secret to tr<br />

As This Morning celebrates its 30th birthday,<br />

presenter Phillip Schofield reveals what<br />

makes him happier than anything else<br />

He’s one of the most wellknown<br />

and best-loved<br />

faces on TV and could<br />

easily spend most nights at<br />

showbiz parties, but that’s<br />

just not Phillip Schofield’s cup of tea. His<br />

favourite thing is something we can all<br />

relate to – cosying up on the sofa of an<br />

evening with his nearest and dearest,<br />

and watching a film or TV programme.<br />

“My happiest moments are when my<br />

wife, Steph, and I are at home with our<br />

daughters, Molly (24) and Ruby (22), all<br />

watching a movie or a TV show,” he says.<br />

‘That, to me, is bliss.”<br />

Do they watch the shows he presents?<br />

“My interactive game show Five Gold<br />

Rings is on at the moment and when<br />

the girls are at home we do play as a<br />

family,” he laughs. “I’ll let you in on a<br />

secret now – Steph plays it online with<br />

Declan Donnolly. When the show is on,<br />

I’m normally tweeting and retweeting<br />

pictures that people have posted, but Dec<br />

will WhatsApp her and say, ‘Did you get<br />

that one? What’s your score?’”<br />

Five Gold Rings was recorded a few<br />

months ago, leaving Phillip and ‘TV wife’<br />

Holly Willoughby time to prepare for<br />

the 30th anniversary of This Morning,<br />

which falls on October 3. From the 1st,<br />

the flagship show will host special guests,<br />

items and surprises throughout the<br />

week. In addition, BAFTA will honour<br />

This Morning with a special award<br />

and tribute event in recognition of its<br />

continued success. And on October 2,<br />

at 7.30pm, ITV will air a documentary<br />

called This Morning – 30 Unforgettable<br />

Years, telling how it became a national<br />

institution. Narrated by Joanna Lumley,<br />

it features landmark moments from its<br />

archives, including its first transmission<br />

from Liverpool’s Albert Dock. Presenting<br />

duos Holly and Phil, Richard and Judy,<br />

and Eamonn and Ruth will all appear and<br />


exclusive star chat<br />

true happiness’<br />

will be joined by some of ITV’s biggest<br />

stars, including Amanda Holden, Bradley<br />

Walsh, and former TM presenter Fern<br />

Britton. Simon Cowell, Charlotte Church<br />

and David Gandy will reveal how the<br />

show gave them their breakthrough<br />

into show business, while Hollywood<br />

heavyweights Hugh Jackman and Kate<br />

Winslet also feature.<br />

“I first appeared on This Morning in<br />

1998 and only went in as a Friday deputy,”<br />

says Phillip. “I never intended to go fulltime.<br />

As any show, it’s had its ups and<br />

downs, and different bosses who’ve had<br />

varying ideas about the way in which<br />

they want it to go. The show has changed<br />

and adapted quickly, and has always been<br />

great fun.”<br />

Phillip sees himself as a custodian of<br />

This Morning. “It’ll always be Richard and<br />

Judy’s show, although I think I’ve been<br />

doing it longer. But if ever I were to leave,<br />

someone else would step in and it would<br />

continue. This Morning is like the galleon<br />

of TV. It sails on, so I would like to thank<br />

the viewers for being so loyal.”<br />

What are his most memorable<br />

moments from the show?<br />

“There are so many,” he replies. “But<br />

more recently, the difference and impact<br />

our Project 84 campaign had in raising<br />

Happy 30th This Morning!<br />

awareness of male suicide and mental<br />

health was phenomenal. That was one<br />

of our best campaigns. If we were to<br />

add up all the letters, or messages This<br />

Morning has received from people who<br />

have said, ‘You’ve just changed my life’ or<br />

‘You’ve just saved my life’, then it would<br />

be thousands. As a show, we are always<br />

adapting and moving with the times, and<br />

the fact we are winning awards for our<br />

mental health work or for the support<br />

‘I thrive on plans going<br />

out of the window. I<br />

actually quite like it<br />

when we’re left wondering,<br />

what’s going on here?’<br />

Phillip and Steph, with<br />

daughters Molly and Ruby<br />

A few of the show’s most memorable moments<br />

n Husband and wife Richard Madeley and Judy Finnegan present the very<br />

first show from Albert Dock, Liverpool, on October 3, 1988, promising<br />

‘something for all the family’. This Morning moved to London in 1996.<br />

It was felt the show needed to be in the capital to attract big names,<br />

plus, according to Richard, ‘shoppers would sometimes wander onto<br />

the set during filming wanting to know where Habitat was!’<br />

n Richard oversees the first live examination for testicular cancer on<br />

British TV.<br />

n During the Fern and Phillip years (2002-09), the two were famous for<br />

being helpless with laughter while on air.<br />

n Guest Katie Hopkins and Holly Willoughby come to verbal blows<br />

over the former’s prejudice against certain children’s names.<br />

n After success at the 2016 National TV Awards, Phillip and Holly<br />

appear in their glad-rags from the previous night.<br />

we have shown the LGBT community,<br />

makes me so proud. But there are also<br />

so many funny moments I remember.<br />

The time Holly and I were dragged all<br />

over the place by our Guide Dogs in<br />

training, the time Holly was laughing and<br />

slowly crouched down beside me to try<br />

to control herself! I thrive on stuff going<br />

pear-shaped or plans going out of the<br />

window! I actually quite like it when it’s<br />

a little bit ‘Woah, what is going on here?’<br />

It’s like a beam of focus. Sometimes your<br />

focus is at a normal level and that’s your<br />

usual presenting style and other times it<br />

changes a gear and you think, ‘Right, now<br />

we have to really centre ourselves here’ to<br />

cope with whatever it is.”<br />

Holly’s taking leave of absence from<br />

This Morning this autumn to stand in<br />

for Ant McPartlin and co-present I’m A<br />

Celebrity Get Me Out Of Here with Declan<br />

Donnelly. Would Phillip continue if she<br />

were to leave for good?<br />

“I can’t say what I’d do<br />

until it actually happened.<br />

Whether I’d decide to<br />

stay or go, whether there<br />

was another ‘TV wife’<br />

out there to take Holly’s<br />

place permanently. She<br />

would, I have to say, be<br />

extraordinarily difficult to<br />

replace.” As indeed would<br />

you, Phillip.<br />

n This Morning celebrations<br />

start on October 1.<br />

n The Unforgettable<br />

Years is on ITV at<br />

7.30pm on October<br />

2. Five Gold Rings<br />

is on Sunday<br />

evenings<br />

19<br />

words: Alison James. PICs: rex/shutterstock, itv

take a trip<br />

From squirrels to stags, nothing beats the thrill of<br />

seeing wildlife thriving in its natural habitat<br />

– many of which can be found right here in the UK<br />

By Gabrielle Albert<br />

Best breaks<br />

for<br />

wildlife lovers<br />

Sealife sightings<br />

in Norfolk<br />

Norfolk is easily the best place for seal spotting.<br />

Home to Europe’s largest colony of grey and<br />

common seals, its shallow waters and wide<br />

beaches are perfect for these special creatures to<br />

thrive. For the best views, head to Blakeney Point<br />

Nature Reserve – a four-mile stretch of coastline<br />

with a fantastic spectrum of wildlife, varying<br />

landscapes, salt marshes and sand dunes. Take<br />

a boat trip and watch large numbers of seals<br />

lounging around. Visit between<br />

November and December<br />

and you may even see<br />

adorable baby seal pups<br />

shuffling along the sand.<br />

n Beans Boats offers daily<br />

trips to Blakeney Point from<br />

£12. Call 01263 740505 or visit<br />

www.beansboattrips.co.uk<br />

Hawks in the Highlands<br />

Scotland’s wildlife scene is amazingly vibrant and much of it can be<br />

explored in The Cairngorms National Park. The breathtaking landscape of<br />

high mountains, ancient forests, fields, moorlands and rivers provides an<br />

important habitat for 25 per cent of the UK’s endangered animals, birds<br />

and plants. Take your binoculars and head to the uplands where, if you’re<br />

lucky, you can see buzzards, falcons, goshawks and (if you’re lucky) golden<br />

eagles soaring around ridgelines in search of prey. With a careful eye, you<br />

might also spot white hares, pine martens, wild cats, deer and badgers<br />

– plus the UK’s only herd of wild reindeer which resides at Loch Morlich.<br />

102<br />


Go nuts in<br />

Yorkshire<br />

Head to the heart of the Dales to<br />

get close-up views of the rare red<br />

squirrel. The Widdale Red Squirrel<br />

Reserve in Hawes has a purpose-built<br />

feeding area, which can be reached by<br />

following the nine-mile Snaizeholme<br />

Red Squirrel Trail, starting and<br />

finishing at the Dales Countryside<br />

Museum. The viewing area offers<br />

great opportunities to see this<br />

shy native species in its natural<br />

woodland home. Autumn is<br />

when they are most active,<br />

gathering nuts and preparing<br />

their drays for the winter. Keep<br />

your eyes peeled and you can<br />

also expect to see deer, rabbits,<br />

other small mammals and<br />

numerous species of birds.<br />

Have a whale of<br />

a time in Iceland<br />

There are few travel experiences that have<br />

the power to move people to tears – but<br />

whale watching is one of them. The sight of<br />

a whale’s fluke, or the sound of it spouting<br />

water, can be a <strong>mag</strong>ical experience. Iceland<br />

is the perfect location for seeing such a<br />

spectacle, as its cold waters off the coast<br />

play host to a diverse mix of marine life.<br />

During the summer the shores become a<br />

feeding ground for multiple species of large<br />

marine mammals, giving visitors a chance<br />

to observe these <strong>mag</strong>nificent creatures<br />

in their natural habitat. From April to<br />

September, more than 20 species of whales<br />

– including the orca, minke, humpback,<br />

and blue whale – can be seen in the North<br />

Atlantic and Arctic oceans on either side<br />

of the island. Visiting in winter? Orcas and<br />

dolphins are still around, but wrap up!<br />

n Hauganes whale-watching tours<br />

start from around £72<br />

per person.<br />

Call (354) 867 0000 or<br />

visit www.whales.is<br />

A stag do in<br />

Somerset<br />

Exmoor National Park has<br />

been home to the regal red<br />

deer since prehistoric times,<br />

with more than 3,000 of them still<br />

residing here today. Visit between<br />

late September and November to<br />

observe testosterone-filled stags charge<br />

across the landscape, locking antlers to<br />

defend territory during the rutting season.<br />

Better still, book a seat on the Red Stag Safari for<br />

an exhilarating off-road experience as a local guide<br />

takes you deep into the moor to see these gorgeous<br />

russet red animals up close. Soak up the combination<br />

of spectacular moorland, rich oak woodland, clear<br />

streams and dramatic coastline and, with luck,<br />

you’ll also get to see buzzards, herons, kingfishers,<br />

otters, foxes, hares and<br />

semi-wild ponies on<br />

your travels, too.<br />

n Red Stag Safari tours start<br />

from £38 per person. Call<br />

01643 841831 or visit<br />

www.redstagsafari.<br />

co.uk<br />

The sound<br />

of whales<br />

spouting<br />

water can be<br />

a <strong>mag</strong>ical<br />

experience<br />

– and Iceland<br />

is the ideal<br />

location to<br />

see them<br />

Go whale spotting off<br />

the coast of Iceland and<br />

you’ll be in for a treat<br />

Animal antics<br />

across the pond<br />

For a close encounter with Yogi Bear, book a trip of a<br />

lifetime to America’s Yellowstone National Park, which<br />

boasts nearly 300 species of birds, six species of reptiles<br />

and 67 species of mammals. Its lakes, valleys, canyons<br />

and snow-capped mountains are truly awe-inspiring.<br />

Take a wildlife safari and you’ll have the<br />

best chance of seeing bears, wolves,<br />

elk, moose and bison as well as the<br />

legendary landmarks. The erupting<br />

geysers, which shoot hot water as<br />

high as 300ft, should not be missed!<br />

n Brushbuck wildlife tours start<br />

from £183 per person. Call (001) <strong>307</strong><br />

699 2999 or visit www.<br />

brushbucktours.<br />

com<br />

PICs: alamy stock photo<br />



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