I will post pic of my sd /sim later, not easy now as not able with my job to use phone for very long at a time!
As I said, it's based entirely on the xda thread mentioned above, I take no credit other than being prepared to try in a different phone.
To separate the metal of the sim from the plastic - i just held it very close to a hair dryer with tweezers so i dont get burnt,and the glue softens - the plastic just goes soft and can be peeled off - careful not to force to much - dont damage the sim!
Next i made a mistake - i sandpapered the sd to make it thinner - but it ruined the card - DON'T DO THIS! no need.
Next attempt - i gently sanded the sim - just to remove excess glue.
Now with a spot of super glue, carefully glue the metal of the sim to the sd, in the right spot - i held it tight for a few minutes to make it as flush as possible.
next i found the combo would fit in the phone fine but the phone didn't read the sd.. i cut a small piece of sticky tape (approx 1mm x 3mm) and stuck it on bottom of sd under where the contacts are as i think they were being pushed down too far by the sim - pushed this all in and it works!