P534 Teletext 534 Dec11 23:11:16 ——————————————————————————————————————— CHELSEA TRIMS FIXED RATE DEALS Chelsea building society has cut rates on its two, three and five-year fixed mortgage deals. The two-year rate is down to 4.79% from 4.94%, the three-year to 5.09% from 5.24% and the five-year fix now charges 5.29% from 5.54%. There is an arrangement fee of £395 and administration fee of £245. Loans can be up to 90% of the home's value without incurring added charges. ——————————————————————————————————1/8—— High street lending "best buys" 546 IS LOVE IN THE AIR FOR YOU? p348 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:18:02 ——————————————————————————————————————— THREE-YEAR FIX FROM CHASE AND PINNACLE Savers who have recently seen returns on fixed rate bonds slide may wish to find out more on a 3-year Guaranteed Income Bond offered by Chase de Vere. Negotiated with Pinnacle Insurance it offers an annual 4.32% net, equivalent to 5.4% gross for a basic rate taxpayer and 5.76% gross for higher rate. Minimum investment is £10,000; the maximum £250,000. For full details on the Pinnacle Bond call 0870 191 5972. ——————————————————————————————————2/8—— Latest rates on National Savings 540 CHECK OUR CHRISTMAS EVENT GUIDE p345 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:12:08 ——————————————————————————————————————— BARCLAYS CHANGES FREE CARD BENEFITS Barclaycard is withdrawing several free benefits including its price promise and extended warranty deal in favour of a new benefits package. The new deal includes an identity theft advice service, home emergency helpline and discounts on package holidays. Previous benefits will be available for a fee from February 2005. The change takes place from January 1, or January 31 for existing cardholders. ——————————————————————————————————3/8—— "Best buy" personal loans 546 YOUR STARS p308-9 LOVESTARS p148 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:16:05 ——————————————————————————————————————— CHRISTMAS BOND FOR NATIONWIDE CUSTOMERS Nationwide is rewarding member loyalty with a two-year Christmas bond paying a gross annual rate of 6%. To apply, people need to have held a current account, savings account or mortgage with the building society for at least three years. The minimum deposit is £1 with £5,000 maximum or £10,000 for joint accounts. Applications are accepted in branches until stocks run out. ——————————————————————————————————4/8—— "Best buy" credit cards 546 FOR LOTTERY, WE HAVE THE LOTTO p123 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:19:22 ——————————————————————————————————————— NEW ONE-YEAR FIX FROM BRITANNIA Britannia building society has introduced a one-year fixed rate savings bond paying out 5% interest for those with at least £1,000 to invest. Investors looking for an income from their savings can opt to be paid their interest monthly, at the equivalent of 4.85% a year. On maturity, the cash transfers to an instant access account and can be taken out or rolled over into another bond. ——————————————————————————————————5/8—— Personal Finance headlines today 531 CRICKET NEWS..^FAST DELIVERY p160 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:13:26 ——————————————————————————————————————— MORTGAGE TRACKER FROM B&B A three-year tracker mortgage, with a current payable rate of 5.15%, has been launched by Bradford & Bingley. The mortgage tracks 0.4% over Bank of England base rate, presently 4.75% and comes with £1,000 cashback. The deal is for mortgage changers with at least 5% equity. Redemption fees are limited to the first three years. Free legal work is available. The booking fee is £49. ——————————————————————————————————6/8—— Work out your holiday money 547 BUSINESS NEWS HEADLINES p500 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:10:22 ——————————————————————————————————————— HALIFAX LAUNCHES CHILD TRUST FUND A Stakeholder Child Trust Fund that invests in a FTSE 100 Tracking fund has been launched by the Halifax. Parents can pre-register before they receive their £250 from the Government and additional contributions of £10 up to £1,200 are allowed each tax year. An annual management fee of 1.5% is the only charge. Once the child reaches 13, invested funds will move to lower risk lifestyle investments until age 18. ——————————————————————————————————7/8—— Are you a Premium Bond winner? 539 FOCUS ON THE FOOTSIE p511/512 Homes Save Kids' cash LifestyleP534 Teletext 534 Dec11 23:14:19 Advertisement 8/8 With so many different ways to get out of debt, choosing the one that's right for you means knowing what all your options are. At Debt Free Direct we give independent advice to people who have jobs but are struggling with debts over £15,000. D I R E C T We have helped thousands to get back in control of their lives. Our advice is free,and confidential. Lines are open 8am-8pm Mon-Fri and 9am-5pm on Saturday www.getoutofdebt.tv For a REAL debt solution, call... Homes Save Kids' cash Lifestyle