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POSITION TITLE:  Sales Manager

MARKET FOCUS:  US/Canada/International, Corporate and/or Association

DEPARTMENT: Global Sales & Service

REPORTS TO:  Assistant Director of Sales

UPDATED:   February 2024

About Destination Toronto

Toronto’s visitor economy is a vital economic engine for the city, generating $7 billion in visitor spending in 2023. Destination Toronto’s mandate is to reflect the breadth and diversity of Toronto’s people, places and culture to inspire residents and visitors to meet, visit and explore our city. Operating in partnership with the City of Toronto, the Greater Toronto Hotel Association and the Ontario Ministry of Tourism, Culture and Sport, Destination Toronto markets and promotes the city to attract visitors and major meetings and events, and supports local businesses to maximize the opportunities of the visitor economy. For more information, please visit DestinationToronto.com .

Role Summary

The core of this position is to promote and sell Destination Toronto as a convention and meeting destination to Planners, and agencies/third parties based in the United States. This position may include sales to Association and/or Corporate Planners. The position focuses on securing meetings and conventions that use a single hotel package, and/or generate 251-1,499 attendees to support our mission to grow Toronto’s visitor economy. These are ‘Single-Hotel’ defined meetings and conventions. This position is primarily responsible for responding to incoming and developing net new business leads for Toronto’s convention facilities and hotels. You have a high level of motivation and drive, in addition excellent prospecting skills and the ability to thrive in a fast-paced, always changing industry.

Core Responsibilities

• Convert leads transitioned from lead generators to complete the sales cycle, and acquire business events to achieve annual definite room night goals as outlined by leadership, within the ‘single hotel’ sized meetings/conventions.
• Respond in a timely fashion to incoming business events leads, and manage the lead through to conversion on behalf of Destination Toronto members.
• Solicit and acquire new business events defined as ‘Single-Hotel’ with attendance of 251-1499, to achieve annual definite room night goals as outlined by leadership, within the market in you are assigned.
• Achieve monthly sales activity goals relating to prospecting, first meetings, tentative pipeline build, industry participation and delivery of clients to the community.
• Maintain complete documentation within Simple View and all sales administration practices and policies.
• Prepare monthly, quarterly and annual sales action plans and participate in planning during annual budget/business planning cycle.
• Plan/execute sales and promotional client outreach in partnership with your team members so as to not duplicate efforts. This could include trade show attendance, sales missions, and site inspections.
• Manage budget associated with specific area/event responsibilities.
• Represent the Destination Toronto team at local, regional, national or international industry organizations deemed appropriate for business development opportunities, as needed.
• Gain knowledge of competitive sets and changing marketing trends that impact business events.
• Attend and participate in sales meetings, training programs and other required meets
• Undertake special projects as may be assigned by Destination Toronto leadership.
• Business travel is approximately 20% of the role.
• Good working knowledge of computers, Microsoft Office software, Outlook, and general office equipment Experience with SimpleView CRM, CVENT and EmpowerMINT a plus

Abilities, Skills and Competencies

• Effective negotiating skills
• Strong interpersonal skills
• Self-motivated with strong oral, written and public presentation skills
• Ability to multitask, and adapt to a fast pace environment while managing deadlines
• Attention to detail
• Driven & motivated
• Team player

Education 

• Minimum some post-secondary education (College/University preferred)
• 1-2 years related sales experience in the hospitality sector
• English essential

How to Apply

Please send resume to [email protected] and clearly indicate the application is for the position of “Sales Manager” in the subject line. If you require a disability related accommodation to participate in the recruitment process, please email us. We will accommodate your needs under the Ontario Human Rights Code. We thank all candidates for their interest in Destination Toronto and will directly contact those candidates selected for an interview.

• Meetings & Conventions
• Travel Trade

Careers at Destination Vancouver

Are you looking for an exciting and rewarding career in destination management and promotion? Do you want to be part of an organization recently recognized as Marketer of the Year? 

As leaders in our field, Destination Vancouver promotes the tourism industry in Metro Vancouver and generates business for our members through strategically lead, insights driven, and industry partnered innovative and sustainable sales and marketing initiatives.

Towards achieving our purpose, Destination Vancouver fosters a team that is as diverse as our destination.

Our people are our strongest asset and we invest in and value Team Member growth, development and wellness.  Destination Vancouver believes in and provides a diverse, equitable, and inclusive work environment and we welcome applications from all qualified candidates. 

We are also proud to offer a Total Rewards Program including: 

Our corporate offices offer stunning views of the north shore mountains and waterfront and are located close to transit in beautiful downtown Vancouver.   Experience what Vancouver has to offer by applying to join the Destination Vancouver team today! Destination Vancouver invites interest from all qualified dynamic, ambitious, collaborative and fun individuals to join our award winning and high performing team.  If you share and believe in our values, are truly passionate about the tourism industry and in making a significant difference and want to grow your career, please send your resume and cover letter to: [email protected].

We sincerely thank you for your interest in joining our team. We receive a large volume of resumes and while we try our best, we are not always able to contact each applicant personally.

Destination Vancouver collects, uses and discloses any personal information in accordance with the "Destination Vancouver’s Personal Information Protection Policy for Team Members and Volunteers," as amended from time to time.   

Current Positions :

• World Cup Activation Lead
• Vice President, Meetings & Conventions and Events
• Travel Media Specialist
• Indigenous Tourism Specialist
• Research Analyst
• Digital Experience Manager
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Careers at Destination Canada

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Think big. Be creative. Champion Canada. Sound fun? Come fly the flag...

CAREER LISTINGS

The world needs more Canada. Join us!

Canada is so much more than just a place on a map.  The beauty of our land and people have made our home one of the most desirable places in the world. A land of pure water, fresh air, rich cultures, hardy spirit, and spectacular settings.  A testament to the mosaic of human possibility.

Tourism is the heartbeat of communities from coast to coast to coast. At Destination Canada, our aspiration for the tourism sector is to enhance the quality of life of Canadians and enrich the lives of visitors. We seek diverse, ingenious thinkers teeming with intellectual curiosity and a deep desire to the grow Canada’s tourism industry – strengthening the socio-cultural, environmental and economic vitality tourism brings to Canada.  

As a federal Crown Corporation, our modern workplace embraces diversity and inclusion, which drives our ingenuity. We believe our people are our greatest asset. We value a healthy, balanced environment and offer competitive total compensation with progressive leave options.

Join us and share your love for Canada and your glowing heart with the world.

Meet our Executive Team .

Working at Destination Canada

Why Destination Canada?

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TUI Destination Jobs

Life in our TUI destinations is everything you’d hoped it would be – exciting, inspiring, and transformational. But don’t just take our word for it. Come and see for yourself! The warmest TUI welcome awaits you. 

There’s no time like the present!

Send an e-mail: [email protected]

Ask Us a Question here

Get social with us @TUIDestinationJobs

We are going on the road, our upcoming events are below, for the full calendar click here

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JOBS ABROAD

We believe that everyone should experience the wonders that the world has to offer – and that’s not just our customers. Find your dream career abroad when you join TUI. You’ll be given a flexible contract to work abroad in countries such as Spain, Greece & Turkey – but this path could take you anywhere. You must be an EU National or British* National to apply

*See the specific Job Adverts for details.  

JOBS FOR LOCAL RESIDENTS

Is it true that no-one knows a place better than those who live there? Let’s find out! When you join as a TUI, you’ll inspire people with specialist knowledge of incredible places, surprising facts and unique activities that are the true essence of your destination. If you’ve got the right documents for the country listed in the job description, apply here! 

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UN Tourism | Bringing the world closer

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WORK WITH US

The World Tourism Organization (UN Tourism) is the United Nations agency responsible for the promotion of responsible, sustainable and universally accessible tourism. Posts within the UN Tourism are filled following a careful competitive selection process that takes into account the candidates’ academic qualifications, international experience and language skills, among others.

Employment Conditions at UN Tourism

Basic facts, living in madrid, employment opportunities.

• Internship Opportunities

Officials on Loan

Junior professional officer (jpo) programme at un tourism, competencies, values, diversity and inclusion.

We endeavor to achieve personal and professional growth for our personnel.

Remuneration : we offer an attractive and competitive remuneration package.

Onboarding : we facilitate your arrival at UN Tourism by offering valuable information on the conditions of service and your arrival at the UN Tourism Secretariat. Newly appointed members of personnel will undergo an induction training to assist them to settle down quickly in the new work environment.

Global health care : we offer a comprehensive medical insurance coverage, covering medical and dental expenditures globally for our staff members and service contract holders.

Holidays : we offer up to 30 days of annual leave per year, giving our personnel the work-life balance that is needed to recharge.

Pension : staff members of the Organization participate in the United Nations Joint Staff Pension Fund while service contract holders are covered by specific provisions for their pension contributions. 

Tax-free salaries in Spain : salaries of staff members are normally exempt from national income taxes in Spain.

• Human Resources Report 2020

UN Tourism is headquarted in one of the major tourism hubs in the world – Madrid, Spain. It is a forward-looking, modern city that embraces innovation and diversity. Moving to a new city, even to a new country, for a new job is exciting but it can also be challenging. As an international organization, UN Tourism is committed to looking after the needs of its personnel, not only in the workplace but also for assisting in the transfer to Madrid. To facilitate their relocation, new personnel will have access to a practical guide which includes basic information about Spain, accommodation, health care, public transportation, social activities, etc.

Interested applicants are requested to follow the specific instructions listed in each vacancy notice or call for expression of interest. 

UN Tourism will only accept applications received through our web-based system. Applications sent by other means (e.g. post, email, etc.) or received after the deadline indicated for each employment opportunities, will not be taken into consideration.

Only candidates short-listed will be contacted . Short-listed candidates may be requested to take a competitive exam and/or competency-based interview as part of the final phase of the selection process.

Please note that receipt of applications will not be acknowledged, and any further correspondence will be initiated by UN Tourism. Roster/open applications are retained by UN Tourism for a maximum period of two years from the date of receipt.

Internship opportunities

Join our team and make a difference.

To be eligible for the UN Tourism Internship Programme, candidates are required to be enrolled in a university programme or have recently completed one. Internship participants do not received a remuneration from UN Tourism but may be eligible for a monthly stipend of EUR 500 to cover transportation expenses. Interns must be in possession of an all-risk insurance, valid for the duration of the internship. When necessary, the Organization may provide visa assistance, however, Interns are responsible for all other aspects related to their stay at the duty station for the duration of their internship. 

Build your skills and get hands-on experience. Impact tourism globally. We welcome diversity.

UN Tourism may at times consider accepting Interns, depending on the student's qualifications and the demands of the work programme of the Organization. As a general rule, roster internship applications are retained by UN Tourism for a maximum period of one year from date of receipt. Candidates wishing to be considered for inclusion in the roster of Interns should complete the application form below. 

UN Tourism will only accept applications received through our web-based system. Applications sent by other means (e.g. post, email, etc.) or received after the deadline indicated for each employment opportunities, will not be taken into consideration. 

Please note that receipt of applications will not be acknowledged, and any further correspondence will be initiated by UN Tourism. 

UN Tourism Member States may send tourism experts and officials through the capacity-building option of the Organization, on a non-reimbursable loan basis, to participate in the activities of the Organization for a set period of time. This arrangement is formally being done through a Memorandum of Understanding (MoU). 

The UN Tourism JPO Programme is a donor-funded programme that provides young professionals the opportunity to gain professional experience at UN Tourism. The UN Tourism JPO Programme is administered under an agreement established with UNDP in 2016.

Interested candidates should contact the relevant donors in their respective countries directly. More information about the  UN Tourism JPO programme can be found on the official website .

To find various solutions to tourism issues, we need to ensure diversity and geographical balance so that the best solutions are put forward.

Our core competencies

Commitment to UN Tourism

Communication

Accountability

Technological Awareness

Client-Orientedness

Planning and Organizing

Our core values

Promote Tourism for the Benefit of People and the Planet

Respect for Diversity

Professionalism

UN Tourism is committed to gender equality and inclusion. Our aim is to create and foster a more diverse, inclusive and gender-balanced workplace.

Welcome to the Tourvest Destination Management Career Portal

Walk with us, together we become more, our success is your success and your success will become ours. Our village exists beyond borders and our people beyond tribes. We live by the spirit of ubuntu. Walk with us as we share sustainable opportunities. Share a unique experiences in this place we call home. Welcome to the Tourvest Destination Management Careers Portal.

Why work with us

We are a passionate about what we do and always keep in mind WHY we do it. We enjoy an entrepreneurial and future-minded setting where learning, growth and upskilling are actively encouraged. If you would love to work within a global company that has a profound culture set on solid values, then you should definitely contact us to join the leading Travel and Tourism business in southern Africa!

Our people matter and that is why they enjoy numerous benefits:

• Medical aid
• Provident fund
• Risk benefits (death, funeral and disability cover)

Lyra Employee Wellness Programme

Wellness Offerings – Fitness

Incentivised earning model (Vubu)

In-House subsidised coffee shop

Tourvest Staff Loyalty Card – to enjoy various discounts with numerous retail partners

• tBucks reward system (not replicated anywhere else in the industry)
• Learning and development culture – “It Starts with me – iLearn” learning hub

Bursary Programme for staff dependants

Hybrid working environment

• Open door policy with leadership

Vacancies Available

You are here for ONE reason and ONE reason only: To find an excellent job at a well reputed company doing something of significance – right? Perhaps it could even be something as exciting as being involved in the largest sporting events in the world? Perhaps sales or accounting is more your thing? Whatever your career choice have a look at our categorised opportunities currently available.

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Career & Supplier Opportunities

Naikoon Provincial Park

• Work With Us

Celebrate all that British Columbia has to offer and work with us!

Destination bc is recognized globally for our strong, authentic brand, our award-winning creative and leading-edge marketing, and our destination management strategies..

We offer the opportunity to love what you do by engaging in exciting and innovative work and immersing yourself in a collaborative work culture that is committed to empowerment and employee learning and development. As a Crown corporation, we exist to improve the lives of all people living in BC and visitors through tourism.

We work hard, play to our strengths, support each other unreservedly, and consider it a privilege to share the transformative power of BC’s experiences with the world. Teams across the organization drive innovation and collaboration while supporting a transparent, honest, safe, and brave work culture. We lead by being a collaborative, insight-driven, results-focused, and courageous team.

Top Reasons to Work for Destination BC

Our mission is to support a workplace culture that is reflective of the province and welcomes people of all backgrounds to ensure the way we operate our business, programs, and services are equitable, inclusive, and accessible to all. In doing so, we become a welcoming place to work and thrive, and our team members feel connected to each other and their work. Each individual is accepted for the unique value they bring to work and has a strong sense of belonging.

Hybrid Work Model

Generous Compensation Package

Fun Atmosphere

An Inclusive Workplace

Destination BC openly embraces diversity, equity, inclusion, and accessibility, and we are proud to share that our organization is Rainbow Registered® – an accreditation given to 2SLGBTQI+ friendly spaces. Becoming Rainbow Registered signifies an ongoing commitment and effort to provide a warm and accepting experience for 2SLGBTQI+ employees and consumers through progressive policies and practices.

Current Opportunities

Manager, co-op marketing programs, coordinator, brand & creative.

Destination BC is committed to ensuring diversity, equity, inclusion and accessibility within our organization and in all aspects of our work, and welcomes applications from all qualified job seekers. If you are an applicant with a disability, we will ensure workplace accommodations are in place to enable you to do your best work. A safe and respectful workplace for all employees is a leading priority for our organization, and as part of this, we are committed to the health and safety of our employees, industry partners, sub-contractors, and community.

For inquiries regarding accommodation requirements, please contact [email protected] .

Supplier Opportunities

At Destination BC we are always improving and expanding the way we market British Columbia as a tourist destination, focussing on the long-term, sustainable growth of the sector. Due to the dynamic nature of the tourism industry, we are often looking for qualified contractors, consultants, and other suppliers, with expertise in specific areas, to support Destination BC’s goal of becoming the most highly recommended destination in North America. 

• RFQ24DBC15 for Diversity, Equity, Inclusion, and Accessibility Subject Matter Experts (termination date February 22, 2027 at 2:00 pm PST)
• RFQ24DBC11 for Communications Projects (termination date December 1, 2027 at 2:00 pm PST)
• RFQDBC07 for Social Media & Digital Content Support (termination date December 31, 2027 at 2:00 pm PST)
• RFQ24DBC07 for Sustainability & Climate Adaptation (Tourism Sector) (termination date August 22, 2028 at 2:30 pm PST)
• RFQ24DBC05 for Educational Content Development for the Tourism Industry (termination date August 31, 2028 at 2:00 pm PST)
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Money: Take-home pay calculator - find out how much extra you're getting this month with National Insurance cut

Your take-home pay will likely be higher this month due to a National Insurance cut. Use our calculator to find out how much, enjoy our weekend reads and leave a comment below, and we'll be back with all the latest personal finance and consumer news on Monday.

Sunday 28 April 2024 11:25, UK

Weekend Money

• Calculate how much your take-home pay will change this month with national insurance reduction
• '£2,000 landed in my account' - The people who say they're manifesting riches
• Iceland's new slogan and cash for grades: What our readers said this week
• Why are mortgage rates going up?

Best of the week

• The world of dark tourism - what is it, is it ethical and where can you go?
• Virgin Media customers share their bad experiences of customer service
• More Britons paying inheritance tax after chancellor freezes threshold - so how can you beat it?
• 'More important than a will': What are lasting power of attorneys and how much do they cost?
• 'I have a mortgage offer - will it change now rates are rising?'

Ask a question or make a comment

National insurance was cut this month, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK - starting this pay day.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

By Jess Sharp , Money team

My journey into the world of manifestation (the belief that you can attract success in your life through positive affirmations and visualisation) has taken me places I never thought I'd go.

Like woods in Edenbridge, where I stood meditating under a tree in the pouring rain. I don't yet know where my journey will end (I've been hoping for an engagement ring but my boyfriend hasn't yet seen my visualisations), but it started with a conversation with Jamie Greenlaw-Meek, one of many people who say manifestation has transformed their lives.

"About a year ago, there was something happening and I thought we just need two grand to cover the expense," Jamie, a former dancer from London, told me. "The following day £2,000 landed in my account."

It sounded like a coincidence to me, too.

But Jamie was adamant. His husband calls him "the master manifester" because of his "ability to bring in money".

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise."

When I asked the now-psychic where the £2,000 actually came from, he said it was payment for a modelling job he had been offered.

"With manifesting you don't get caught up in the how, and often it comes in ways that you don't expect," he added, explaining it could come as the result of a claim after being in a car crash.

"It's not always coming in the way that you think but money is out there for us to take in the world. It's just having the confidence to receive it and we are worthy of it."

"Even if it is a placebo effect, does it matter?" he said.

The 43-year-old also believes he manifested his husband Fiongal after being diagnosed with cancer. While going through treatment and dating "a lot" of people, he decided to take matters into his own hands, or rather his own head, and started visualising his perfect partner.

"I decided to spend a good couple of weeks getting really, really, super clear in my mind what this person looked like. Then I started creating lists asking about personality traits, and all the things that I wanted that person to be," the former dancer said.

"The day I got the all clear from cancer I randomly met my husband and when I look at the list of the things I asked for, he pretty much ticks every single box. I really, really believe that is because I got super clear on what I wanted and I put that out to the universe to bring to me."

Jim Carrey and manifestation

If you think this is a new practice, it isn't. Jim Carrey was doing it back in the 90s. He famously wrote himself a $10m cheque for "acting services rendered" and dated it years in advance. Then in 1995, he was told he was going to make the exact amount for filming Dumb and Dumber.

The idea shot up in popularity again in 2006 after Rhonda Byrne published her self-help book The Secret.

Since then, it has hit every inch of the internet and has resurfaced on TikTok with videos posted under #manifesting accumulating a huge 13 billion views.

I tried to learn manifesting - I felt like an idiot

After hearing Jamie's story and seeing the idea was popular with so many people, I thought it best to try to learn manifestation myself. I mean, who wouldn't want money landing in their account and a work promotion from the universe?

As I stood in the woods, in the pouring rain, being told to imagine roots growing from the soles of my feet, I felt like an idiot.

I was soaking wet (of course I had forgotten a coat with a hood) and while my mind kept wandering through thoughts about being cold, if I'd hit traffic on the way home and how dirty my white trainers were getting, a gentle, soothing voice kept bringing me back to what I was supposed to be thinking about.

"How we are all connected, how the trees and plants produce oxygen that we breathe, and we breathe out carbon dioxide which they need to survive"

While some people focus their manifestation practices on being grateful to the universe, Tansy Jane Dowman believes we need to get "out of our heads, into our bodies", connect with nature and find our true selves before we can practice it successfully.

My meditation in the woods was just one part of a six-hour workshop run by Tansy, which aimed to send me off with a clearer vision of what I truly desired.

Tansy charges anywhere from £25 to £580 for her courses, which range from one-on-one sessions and an online six-week programme, to forest bathing workshops and weekend-long nature retreats.

But some courses have popped up online which cost more than £1,000.

Tansy started practising manifestation in 2018 after going through a difficult period in her life. She eventually quit her job in events management and started teaching others how to do it successfully.

"The way I manifest is not to focus on material wealth or gain. I would ask my clients what an abundant life means to them in terms of feelings, experiences, connections, people and places," she explained.

"The more authentic you are, the more of a beacon you become for those things to find you."

After spending time walking in the rain and meditating under a tree, Tansy and I sat in her dining room and explored some of the happiest moments in my life and the feelings I experienced. It became clear I like feeling accomplished, needed and excited.

We also spoke about challenging times, but the conversation focused on the positives, like how I had overcome them and what I had learned.

"It's so important to bring in your values with manifestation because sometimes we can get really confused with what we want, with social media especially," she told me.

Throughout her house, Tansy has a number of "abundance boards" proudly on display - some she has made with her children, others are from her annual January tradition of setting out her desires for the year.

"I've had some really wonderful goosebump things happen to me. I did a board at the beginning of 2020... I put a picture of a microphone on it. I just thought I really like that image and I didn't immediately place any meaning onto it," she said.

"Then as the world was shutting down for lockdown, I did a press event and I met a lady who worked for Wellbeing Radio and she wondered if I would be interested in trying out as a presenter."

She explained that some people will be very specific with their desires, like selecting a photo of the exact car they want, or the perfect house, but that isn't how manifestation works. There needs to be an element of trust in the universe giving them what they attract.

As we created my abundance board, which Tansy describes as being like a "personal algorithm", she told me to select images and words from heaps of magazines that called to me intuitively.

As you can see from the picture below, mine calls for being "financially fabulous", travelling, getting engaged (coughs loudly in earshot of boyfriend) and living stress-free.

And while I'd love a big cash injection, Tansy explained to me that money is "only a stepping stone to a feeling" and, ultimately, I'm aiming to create an emotion with it.

Manifesters more likely to go bankrupt

While all the manifestation believers I spoke to said there was no downside to the practice, a researcher has been looking into whether it really does pay off.

Based in Australia, Dr Lucas Dixon (who specialises in consumer psychology) created a scale from one to seven to rank a person's strength of belief and found those who practice it are more likely to have been victims of fraud and declared bankruptcy.

He said there was a "danger" that manifesting could become harmful if taken to an extreme level.

He found those who believe in manifesting tend to think more positively and have a confident attitude when it comes to success, and while that can be helpful in business, it can also cause them to take unnecessary risks.

"They weren't more objectively successful in terms of having higher income or higher education attainment," he said.

"We also found that they are more likely to believe in get-rich-quick schemes, more likely to take higher risks... to have risky financial investments and more likely to have investments in cryptocurrency rather than traditional stock."

Using the scale he created, Dr Dixon found those who have "very strong beliefs", ranking at a seven, were 40% more likely to have gone bankrupt.

"The danger comes in a couple of different forms," he said, explaining that a "worst case scenario" could see people getting into financial difficulty by being encouraged to "just look at the positives".

"Someone might say it's not harmful because it is really just thinking positively but I think even that can be harmful because of what you might call an opportunity cost," he said.

"You're spending time, energy and money doing something that doesn't have a lot of evidence behind it. We found it does make you feel good but you don't need to pay thousands to do it."

Okay, so back to me...

I did my manifestation course about two months ago, and I have done as I was instructed - my abundance board is up in sight inside the flat, and I often have a cup of coffee in front of it.

But, so far I'm still using a credit card, the most travelling I've done has been to work and back and there is still no rock on my finger. I have been given an annual pay rise, though, and would say I am less stressed.

Perhaps believing that I'm just doing my best and there's a chance that I'll be rewarded for that one day, eventually, in the future, maybe, is making me feel better... who knows?

Each week, Money blog readers share their thoughts on the subjects we've been covering, and over the last seven days your correspondence has been dominated by these topics...

• Iceland's new slogan
• Rising mortgage rates
• Giving kids cash for grades

Iceland's new catchphrase

We learnt on Monday that Iceland had dropped its tagline "That's why mums go to Iceland", replacing it with "That's why we go to Iceland".

The move was made to reflect the store is for everybody, said brand ambassador Josie Gibson. Readers were split - with some feeling so strongly that they're prepared, they suggest, to sacrifice those frozen Greggs steak bakes forever...

I previously contacted Iceland about their slogan because I didn't think it did single dads justice, as dads can go to Iceland too. Their response was that people understood that it's not just mums that go to Iceland. It's about time they changed the message. Dave T  

Neither I, my wife or my children will shop in Iceland again due to this stupidness and woke attitude. To hell with you [Iceland boss] Richard Walker. John  

Banks hike mortgage rates

This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates. 

You said...

With house prices at already extortionate levels, now mortgage rates rising again, is there any hope for first-time buyers? Honestly, the situation is so bleak, people may need to consider other countries. GenZ 

Why would this happen? So many young couples struggling to get on the property ladder. I live in Dorset - a one-bedroom flat costs from £230,000. In Scotland, one can get a beautiful two-bed house for that price. Feel sorry for all couples living down in the South. Need huge deposits. Barbs

Why are they called high-street banks? Most banks in my town have closed. Martin J

Parents offering cash for good grades

A lot of views came in after our feature exploring the positives and negatives of parents incentivising good school grades with cash...

We had scores of comments on this - with a fairly even split...

We did it for our son at GCSE time. We think it made a difference of about a grade on most subjects. Got a two-grade lift on maths. Cost us £350. Thought it was good value as it has taught him how things work in the world. Andy

The whole world is built on a reward system which symbolises access to money commensurate with effort and excellence. The Nobel prize goes with a cash reward! Tom Deggs

Employees are offered incentives for achieving targets, so why not offer kids incentives for better grades? Claire228 

But others had concerns...

I think it puts too much pressure on kids who are under enough pressure at exam time. Parents should encourage their kids to do the best they can, not add to their stress levels. Emma

Children should value their education without it being monetised. My parents expected my brother and I to have the motivation, maturity and self-discipline to work hard for our GCSEs. We both achieved all As and A*s. Eliza 

When I was at school, from 1964-83, my parents never gave me money for good exam results, because "I should want to do well for myself". No matter what my grades were, they said that they would be proud of me if I had tried my best. Cash kills self-motivation. Nicola B 

The money story of the week has been mortgage rates - with a host of major lenders announcing hikes amid fears the Bank of England may delay interest rate cuts.

Swap rates - which dictate how much it costs to lend money - have risen on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

The reliable Bloomberg reported this week: "Still, while some economists have since scaled back their predictions for BOE cuts, most haven't changed expectations for a summer move.

"Analysts at Morgan Stanley, Goldman Sachs Group, Capital Economics and Bloomberg Economics are all among those still anticipating a shift toward easing in June."

The publication also quoted Sanjay Raja, chief UK economist at Deutsche Bank, as saying: "Markets have superimposed the US cycle on the UK, but the US and UK are on very different tracks.

"The UK is coming out of technical recession. Inflation is falling more convincingly. Pay settlements are following inflation expectations. And crucially, real policy rates in the UK will be higher than in the US."

None of this reassurance changes the fact that financial markets, which dictate swap rates, are pricing in delays.

This week's hikes came from Halifax, BM Solutions, TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry.

This is what average mortgage rates looked like as of Thursday...

The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The family home where Captain Sir Tom Moore walked 100 laps to raise nearly £40m for the NHS during the first COVID lockdown is up for sale for £2.25m.

The Grade II-listed Old Rectory is described as a "magnificent seven-bedroom property" by estate agents Fine & Country.

In a video tour of the house, a sculpture of Captain Tom with his walking frame can be seen in the hallway, while a photo of the fundraising hero being knighted by the Queen is on a wall in the separate coach house building.

Introducing the property, an estate agent says in the tour video: "I'm sure you'll recognise this iconic and very famous driveway behind me as it was home to the late Captain Sir Tom Moore who walked 100 laps of his garden, raising over £37m for NHS charities."

It comes less than three months after the demolition of an unauthorised spa pool block in the grounds of the property in Marston Moretaine, Bedfordshire.

Speaking at an appeal hearing over that spa, Scott Stemp, representing Captain Tom's daughter Hannah Ingram-Moore and her husband, said the foundation named after the fundraising hero "is to be closed down" following a Charity Commission probe launched amid concerns about its management.

For the full story, click here ...

"Status symbol" pets are being given up by owners who get scared as they grow up, an animal charity has said, with the cost of living possibly paying a part in a rise in separations.

The Exotic Pet Refuge, which homes parrots, monkeys, snakes and alligators among others, says it receives referrals across the country, including from zoos and the RSPCA.

"They're a status symbol. People will say, 'OK, I'll have an alligator or a 10ft boa constrictor'," co-owner Pam Mansfield told the BBC.

"But when the animal gets big, they will get too frightened to handle them, and then the pet has to go."

She added people who want to get rid of the pets sometimes call zoos for help, which then call on her charity.

In some cases, owners don't have licences to own dangerous animals, she says, blaming a "lack of understanding" for what she says is a rise in the number of exotic animals needing to be rehomed.

She says people "just don't have the space" for some snakes, for example, with some growing to as much as 12ft and needing their own room.

The cost of living crisis has also forced owners to give their pets away, she says.

Her charity has also been affected by those increased costs, with the electricity bill rising to £10,000 a month at their highest, to fund things like heated pools for alligators.

Private car parks are accused of "confusing drivers" after introducing a new code of conduct - despite "doing all they can" to prevent an official government version.

The code of practice launched by two industry bodies - British Parking Association and the International Parking Community - includes a ten-minute grace period for motorists to leave a car park after the parking period they paid for ends.

It also features requirements for consistent signage, a single set of rules for operators on private land and an "appeals charter".

Private parking businesses have been accused of using misleading and confusing signs, aggressive debt collection and unreasonable fees.

That comes after a government-backed code of conduct was withdrawn in June 2022, after a legal challenges by parking companies.

RAC head of policy Simon Williams said: "We're flabbergasted that the BPA and the IPC have suddenly announced plans to introduce their own private parking code after doing all they can over the last five years to prevent the official government code created by an act of Parliament coming into force.

"While there are clearly some positive elements to what the private parking industry is proposing, it conveniently avoids some of the biggest issues around caps on penalty charges and debt recovery fees which badly need to be addressed to prevent drivers being taken advantage of."

BPA chief executive Andrew Pester said: "This is a crucial milestone as we work closely with government, consumer bodies and others to deliver fairer and more consistent parking standards for motorists."

IPC chief executive Will Hurley said: "The single code will benefit all compliant motorists and will present clear consequences for those who decide to break the rules."

Sky News has learnt the owner of Superdry's flagship store is weighing up a legal challenge to a rescue plan launched by the struggling fashion retailer.

M&G, the London-listed asset manager, has engaged lawyers from Hogan Lovells to scrutinise the restructuring plan.

The move by M&G, which owns the fashion retailer's 32,000 square foot Oxford Street store, will not necessarily result in a formal legal challenge - but sources say it's possible.

Read City editor Mark Kleinman 's story here...

NatWest says its mortgage lending nearly halved at the start of the year as it retreated from parts of the market when competition among lenders stepped up.

New mortgage lending totalled £5.2bn in the first three months of 2024, the banking group has revealed, down from £9.9bn the previous year.

The group, which includes Royal Bank of Scotland and Coutts, also reported an operating pre-tax profit of £1.3bn for the first quarter, down 27% from £1.8bn the previous year.

An unexplained flow of British luxury cars into states neighbouring Russia continued into February, new data shows.

About £26m worth of British cars were exported to Azerbaijan, making the former Soviet country the 17th biggest destination for UK cars - bigger than long-established export markets such as Ireland, Portugal and Qatar.

Azerbaijan's ascent has coincided almost to the month with the imposition of sanctions on the export of cars to Russia.

Read the rest of economics and data editor Ed Conway 's analysis here...

Rishi Sunak has hailed the arrival of pay day with a reminder his government's additional National Insurance tax cut kicks in this month for the first time.

At last month's budget, the chancellor announced NI will be cut by a further 2p - so some workers will pay 8% of their earnings instead of the 12% if was before autumn.

The prime minister has repeated his claim this will be worth £900 for someone on the average UK salary.

While this additional cut - on top of the previous 2p cut in January - does equate to £900 for those on average full-time earnings of £35,000, there are two key issues with Mr Sunak's claim:

• Once the effect of all income tax changes since 2021 are taken into account, the Institute for Fiscal Studies reports an average earner will benefit from a tax cut of £340 - far less than £900;
• Moreover, anyone earning less than £26,000 or between £55,000-£131,000 will ultimately be worse off.

In short, this is because NI cuts are more than offset by other tax rises.

We explain below how this is the case...

Tax thresholds

This is partly down to tax thresholds - the amount you are allowed to earn before you start paying tax (and national insurance) and before you start paying the higher rate of tax - will remain frozen. 

This means people end up paying more tax than they otherwise would, when their pay rises with inflation but the thresholds don't keep up. 

This phenomenon is known as "fiscal drag" and it's often called a stealth tax because it's not as noticeable immediately in your pay packet.

That low threshold of £12,570 has been in place since April 2021. 

The Office for Budget Responsibility says if it had increased with inflation it would be set at £15,220 for 2024/25.

If that were the case, workers could earn an extra £2,650 tax-free each year.

Less give, more take

Sky News analysis shows someone on £16,000 a year will pay £607 more in total - equivalent to more than three months of average household spending on food. 

Their income level means national insurance savings are limited but they are paying 20% in income tax on an additional £2,650 of earnings.

In its analysis , the IFS states: "In aggregate the NICs cuts just serve to give back a portion of the money that is being taken away through other income tax and NICs changes - in particular, multi-year freezes to tax thresholds at a time of high inflation."

Overall, according to the institute, for every £1 given back to workers by the National Insurance cuts, £1.30 will have been taken away due to threshold changes between 2021 and 2024.

This rises to £1.90 in 2027.

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