- Premium reviews
- Express reviews
- Reviews rated
- Ratings received
What with the cost of living always going up, food getting more expensive and the average joe finding life more of a struggle each day I would like to make you all aware of the survey site Onepoll. This site (which I came across by chance while searching online to improve and boost my income) offers an opportunity to gain a little extra money for a few minutes of your time each couple of days.
Onepoll is primarily a survey site rewarding its registered users with money for the completion of surveys. These surveys are much, much shorter compared to the numerous other sites available and offer between 5p to 20p depending on the questions or the time limit. Some surveys are only valid for a matter of 24 hours so if you are to reap the benefits you will have to make sure you check back regularly for regular updates. Perhaps this is its only downfall as like many other sites that often send out emails when a survey is waiting to be completed this one does not. It requires the user to check back maybe once every couple of days or more if you feel the need as surveys are often added regularly.
To receive your money you have to wait till you reach payout which is currently £40 and is sent in check format. They do not as yet pay through PayPal or transfer straight into your account.
The referral system is very good on this site and for referring five people you can gain an extra £5. Although the money does take a little while to accumulate due to the amount you have to make for payout it is definitely worth it as each survey takes very little time at all and most can be completed in a couple of minutes.
Not only are the rewards for cash but some surveys offer cash prizes/draw entries or chances to win iPod shuffles. It's definitely worth having a look at if you fancy bagging yourself a few more pounds.
After always being a fan of the still Vimto I was eager to try the fizzy version. At just ten calories per 330ml can I cannot boast more highly of this refreshing drink.
Vimto is a registered trademark of Nichols plc. And claim this drink is a "tantalising mix of secret herbs and spices for the most amazing taste experience"...and their spot on. Vimto has its very own unique taste which no other soft drink on the market comes close to tasting like. As soon as you take a sip a combination of grapes, blackcurrant and raspberry please your taste buds with an extra kick of herbs and spices enticing you to drink more.
Vimto fizzy comes in a standard white can (although it is available in various sized bottles as well) with the easily recognisable Vimto logo printed twice on the front. Currently retailing at approximately 68p per can (although prices can vary depending the outlet). It is also widely available in the majority of supermarkets nationwide.
In my opinion it's not often a low calorie drink can taste so good...definitely worth having a try.
Carbonated water, mixed fruit juices from concentrate 3% (grape, blackcurrant, raspberry), vimto flavour (including natural extracts of fruits, herbs, barley malt and spices), citric acid, natural colour (anthocyanns), preservatives (potassium sorbate, sodium benzoate), sweeteners (acesulfame k, aspartame which contains a source of phenylalamin), antioxidant (ascorbic acid).
~Nutritional Information~ (per 100ml)
(of which are sugars) 0.4g
(of which are saturates) Trace
After reading several reviews on here about Ben and Jerry's Phish Food I decided to give it a whirl myself and I wasn't disappointed.
Ben and Jerry's Phish Food ice cream is a chocolate flavoured ice cream with creamy marshmellow and caramel swirled through with an abundance of dark chocolate fish thrown in for extra flavour. I must say I was quite impressed with these chocolate fish...there's just so much detail to each one. Each fish has eyes, mouth, scales and fins. They haven't left many details out.
This ice cream is sensational to taste first you get a hit of chocolate ice cream, then the gooey marshmallow and caramel kicks in and melts in your mouth. Because of the large volume of fish contained in this product you may find more than one in each mouthful...each dark chocolate fish perfectly compliments the other flavours and ingredients helping add a variety of consistency and texture...what with the softness of the ice cream and the firm, hard chocolate.
Phish food comes in a 427g/500ml purple and blue tub with the identifiable 'Ben and Jerry's' logo on the front in white and brown.
At present this ice cream is retailing at approximately just under five pounds in the vast majority of supermarkets. Currently it can also be purchased at Tesco at half its usual price...but hurry who knows how long that will last?!
In my opinion this ice cream if definitely worth trying and puts plain, dull, tasteless chocolate ice cream to shame. Just can't help but think it would be even tastier if it didn't carry such a hefty price tag!
Marshmallow (15%), Caramel (10%), Chocolate Fish (7.5%), Cream (23%), Water, Sugar, Glucose syrup, Condensed skimmed milk, Cocoa, Coconut oil, Milk fat, Egg yolks, Egg whites, Natural flavours, Stabilisers (guar gum, pectin, carrageen an), Anhydrous milk fat, Emulsifier (Soya lecithin), Salt, Vanilla extract.
~Nutritional Information (per 100g)~
Primark is a fairly large shopping outlet devoted to selling clothes, shoes, underwear and home accessories for a much better, more reasonable price when compared to other rival companies supplying a similar service. But does the fact it's cheaper mean the products are of inferior quality? To a point I'm inclined to agree. I remember when the store in Southampton was first opened several years back and being the shopaholic that I am I went out of my way to visit the store hopping to pick up a bargain. Did I? Yes but I found myself disappointed as some of the garments I liked were cut in such a way that they didn't sit right on my frame. Trousers seemed to bag in the wrong places and skirts didn't take into account that women do actually have curves!!! As a customer I was not impressed by this and I must admit I have steered clear of a lot of their clothes in there since. Occasionally I'm inclined to purchase some of their stock for example a few months back they were stocking tops for 50p each...ridiculously cheap so I bought a few which were ideal for working out at the gym.
However on a lighter note I cannot praise their underwear section enough. Consistently stocking pretty, sexy, comfortable bras, knickers, nightwear and basques at extremely low prices. At just four pounds you can bag yourself a bra and knicker set as well as individual knickers which range from about a pound.
Although the prices are reasonable and the layout on the whole isn't too bad I feel I must mention the state of the floor. On the numerous occasions I've shopped in here (and have actually had the patience to wait in the never ending queue which snakes along the front of the tills) I have noticed a great deal of clothes slung in heaps on the floor, watched parents struggle to manoeuvre their child's pushchairs through the mess and seen people stand on the mistreated garments as they peruse the rest.
All in all not a bad shop for a bargain but be prepared for a long queue wait and a rummage to find what your after!
Smaller than a matchbox this mp3 player is by far one of the handiest and easiest to use on the market at the moment. The design has so much to offer a consumer especially a fitness freak like me who needs something fun, easy to carry and of excellent sound quality.
I purchased this Ipod a few months back now with the sole purpose of wanting something small, dainty and lightweight that I could take with me to the gym and wouldn't get in the way of me working out. You would not believe how many mp3 players I have got through in the past what with dropping them on the treadmill then standing on them by accident. They generally don't tend to last too long with me about but this Ipod has definitely stood the test of time.
The Ipod Shuffle is a product of the massively well known, worldwide company Apple and is retailing at anything from £32 upwards although I'm sure you could probably find one cheaper on various auction sites on the internet. In terms of memory capacity they come in both 1GB (approx. 240 songs) or 2GB (approx. 500 songs) prices differ slightly between the two. They also come in an array of pastel colours for example blue, pink, silver and white and feature the typical white buttons in the shape of a circle on the front. The rear of this device includes a clip which is what attracted me to this model of mp3 player. The Ipod Shuffle provides a perfect, sturdy, strong clasp so I can attach it to my clothing down the gym and workout to my hearts content. I can confirm it has never once fallen off and I'm very pleased to say I haven't dropped this one by accident on the treadmill. Hopefully I won't!
Along the side of the device is a port for headphones to be inserted. The same hole is used when connecting it to its docking station. Both the earphones and the docking station are supplied with this product so the user shouldn't want for anything else...well apart from a computer or you won't get very far for obvious reasons. The earphones that come with this product are the typical white ones which you would expect to find included as a trademark of Apple Ipod's in general. These earphones fit very snuggly into the ear and vary rarely fall out when inserted properly.
On the opposite side of the Ipod are a couple small switches one is the obvious power button which is just slipped across when on and off is required. The remaining switch allows the listener to choose between the tracks being played in order or whether their 'shuffled' hence the devices name. This Ipod is predominately set on shuffle when it's first taken from it's packaging.
The Ipod Shuffle comes in a very durable, clear case which I admit I still use to store it when it's not in use to insure it stays in good, working condition. The box has very modern curvy edges and features the easily recognisable Ipod logo in grey on the side.
Setting up was a little long winded for my liking. I was like a big kid when I purchased this product tearing it from its packaging and eager to get on and use it. Only I couldn't straight away because the right software was needed first. On opening the box there is a small quick guide instruction manual which takes you through the necessary steps how to get your new toy working with the aid of short sentences and coloured images. The first step was to follow instructions and visit the Ipod itunes website where you must download the latest version of itunes and QuickTime to your personal computer. This set me back a little as I wasn't expecting it to take quite as long as it did. However it did finish eventually and on completion you can now plug the device in with the aid of the docking station. The ipod is fixed to the docking station then this is attached to your computer via a USB cable/port. As soon as you plug this in it's recognised as new hardware and is installed automatically without any further instructions. While this mp3 player is plugged into the computer it gives it an opportunity for the battery to charge. This can be monitored by the flashing amber light located on the side (top when in docking station).
Itunes can now be loaded and you can start playing. Not only can you purchase tracks online at the itunes store but it also gives you the opportunity to add songs from a favourite CD. All you have to do is put your preferred CD in your computer and the software does the rest...well you may need to select OK a couple of times but nothing more strenuous than that. And now your ready to have some fun!!!
In my opinion if your looking for a reliable, small, easy to use way of listening to your favourite music look no further than this.
Although I'm not a very lucky person when it comes to these things I thought I'd write about it and let those of you out there that are unaware of what these are give you a little insight into them and my opinion on the matter.
Premium bonds are another form of tax free investment that anyone aged 16 or above can invest in with a chance of scooping one of two million pound prizes as well as numerous others every month. Currently an investor can purchase anything from a £100 block to the maximum holding of £30,000. I must make everyone aware now that anyone lucky enough to have the maximum holding is almost certainly going to receive at least one prize every month. The prizes are as follows and are normally drawn within the first day or two of the month by ERNIE (Electronic Random Number Indicator Equipment)...
All prizes are tax free and can be banked or re-invested depending on personal choice.
Currently they offer a standing order service which allows investors to regularly purchase these bonds at a lower cost of fifty pounds although you do have the choice to invest more if you wish.
On purchasing these bonds which can be achieved via online or post office correspondence you will be sent a certificate detailing you bonds, your bond numbers and your very own individual holders number. Any future bonds will then be assigned to your number and you will receive yet another certificate which will need storing somewhere safe in case you wish to cash them in at a later date.
At the beginning of each month you can check if you're a winner by consulting the National Savings and Investments website where all you need to do is type in your holders number in the space provided and hit the enter key. Within a few seconds you will either be jumping with joy or wishing the following months draw would hurry up and come round.
I have held premium bonds for the majority of my life yet all I have to show for it is a fifty pound win when I was about five and what I had originally paid in. That's my only problem with this form of investing. I know the only reason I have not won more is because I have not invested enough to win I'm not even close to quarter of the maximum holding. Therefore my money is held in these bonds earning no interest just sitting there never getting drawn while a lucky section of the population who have invested more are reaping the rewards. Occasionally a bond holder with very little in holdings bucks the trend and nets a few thousand.
In conclusion this is definitely worth thinking about as an investment opportunity as it does give the majority of society a chance to bag some money. I could even go as far as to say your more likely to win more on this than on the lottery! It pays to have as much as you can comfortably afford in premium bonds but many of us don't have that kind of loot just lying around. According to money expert Martin Lewis the ideal amount to invest is about two grand so when I eventually get to that milestone I'm taking his advice and stopping. With this amount invested you should expect to see returns at least once or twice year. A graph of possible probabilities can also be found on Martin Lewis' moneyexpert.com website.
Being a short-sighted Myopia sufferer contact lenses seemed like an obvious alternative to spectacles what with constantly losing or breaking them. Contact lenses eradicated this problem! Focus monthly's were the first brand of lenses I ever tried...not too expensive so as a student I could comfortably afford them. I must admit these lenses were quite comfortable...at first but due to the necessity of having to re-use and re-use them they had a tendency to fray round the edges, dry out and slightly deteriorate. If they hadn't been sterilised properly overnight and stored in the correct solution this felt on occasions like putting grit into your eye the following morning.
Focus monthly's are a product of Ciba Vision and retail at most opticians for about ten pounds a month (can be purchased in three month batches if more appropriate for the consumer) although prices can vary depending where bought and can be found at discounted prices on various optical websites. You will need to know the correct strength of lenses required if you intend to purchase online and check the diameter of the lenses as this plays a part in the overall comfort of it.
Lense strengths are in most circumstances predetermined by your optician with an eye test which lasts no longer than an hour. The general rule is the higher the number the stronger the prescription; '+' indicates a long-sighted sufferer and '-' in my case applies to the opposite...short sighted.
These lenses are clear in colour with a slight tint of blue which can be seen when held on an angle. They are normally packaged individually in a saline solution for hygiene purposes ensuring the lense stays soft and free of bacteria.
Because these are monthly lenses and must be re-used my optician stipulated I should only wear them for a maximum of twelve hours a day. This wasn't what I wanted to hear! Especially when it's the weekend and being the party animal that I am I'll be out most of the time. I won't have a chance to fiddle with lenses and revert back to my glasses. This is where the downfalls became apparent; the longer the lenses were in the more gritty, tired and dry my eyes felt and when it came to putting them back in the following day it was really quite uncomfortable. It was always such a treat when the end of the month arrived and I could start on a new pair. You immediately notice the difference. The softness. The ease of putting them in.
The worst I can report and I feel I must report it to give you a better understanding of this product comes in the summer months. In the summer I very often found the heat used to aggravate them a great deal and on numerous occasions my eyes became sore, itchy, tired and I'd experience a sore, red circle which appeared on my eyes around the edge of the lenses. I must admit this aided my decision to switch to dailies which in my opinion are much more comfortable, more hygienic, easier to look after and wait for it...you guessed it...more expensive.
Overall Focus Monthly contact lenses are good value for money if you intend to use them correctly and limit your usage to a few hours a day. Don't wear them day in day out like I used to.
Oh and before I go I must mention the extra cost of saline solution which will need to be used every day to rinse, sterilise and disinfect them. Solution can cost anything from about ten pounds upwards per one month bottle although this can be cheaper when bought in bulk packs of three which retail at about twenty five pounds. Each bottle usually has a life span of just over a month so you might be able to stretch the solution a little longer than anticipated.
What with the credit crunch here, finding life a struggle more and more each day and trying to make ends meet I decided to purchase a magazine called "Moneywise" after being referred to it by a friend.
Moneywise is a magazine aimed at anyone with a slight interest in money or anyone who wants to learn how they can cut back and help make their money stretch further.
This magazine is currently retailing at £4.25 but is slightly more difficult to get hold of as it cannot be bought in every newsagents instead it can only be purchased in specialist newsagents like WH Smith. It has an easy to identify cover with the clear, white title emblazoned on the front. On the inside it is overflowing with money saving tips, hints and ideas from budgeting and property to spending and saving. The magazine also features an 'upfront' section explaining how news issues could affect our financial situations.
~Budgeting and Planning~
This section is devoted to helping aid the reader in getting the best deal on the market at present and could range anything from the 'best current accounts' to 'how to make a successful travel insurance claim'. It has in the past included information for parents about cutting childcare costs and how people can access their pensions. So it appeals to a large spectrum of society.
This section looks at different ways to make money and benefit from your property. This varies depending on the issue but in the past has explained how money can be made through taking in a lodger (it educates the reader on the minimum amount of rent they can charge as a landlord without having to declare it as taxable income) and letting out your house to a film crew for a month.
Spending is a section the majority of the world can relate to so this is appealing to almost everyone. Each issues features a popular product in today's market...for example a photo printer and gives a run down of where to find it at its cheapest and the best specification to look for in one. A guide to haggling was featured in last months edition of this magazine helping consumers learn the gift of the gab and save a few more pounds. Articles similar to this are found in every issue.
~Saving and Investing~
This can be found towards the back of the magazine usually giving tips to beginners as it can be quite daunting when you first start taking an interest in this yet for the experienced investor it gives a run down of the better performing shares and funds. It also includes advice on current and emerging markets and regularly gives the reader an update on the best savings accounts around at the time.
However I cannot go without letting you know it also features the usual regular articles be it letters from the editor, letters from readers and I must not forget to mention they always throw in a competition every issue. Recent prizes include a grand to use how you want and two luxury tickets to Goodwood festival.
In my opinion this magazine is jam packed with ways to boost your income and save money...it's easy to digest for those with little financial knowledge and those experts that ooze it. It is by far one of the best money magazines currently available today, it's just a shame it's not as readily available as you would like. For a little under five pounds it is perhaps a little steep but brimming with information that in my opinion is well worth knowing. As long as it helps you make, save or stretch your money...what's a fiver really?
Firstly I must warn you whatever you do do not repeat not do as the bottle says..."Shake it to wake it!". As this drink is made from real orange pieces and logic told me these pieces may have settled at the bottom of the bottle I carried out the above slogan "shake it to wake it". Did I wake it? Yes! Without realising it was a carbonated drink I shook it only to receive a face full on opening!
Apart from my early accident with it though I thoroughly enjoyed this drink. It is both refreshing and thirst quenching and I'm happier knowing I've plumped for a slightly healthier option as this contains real fruit from concentrates, boasts no added artificial colours, flavourings or sweeteners. Minus the carbonated water the majority of the remaining ingredients are in actual fact a variety of fruit juices.
Currently this drink is retailing at around a pound depending on the outlet purchased in and it can be acquired from most supermarkets.
Carbonated water, Orange juice and other citrus juices from concentrate 12% (orange 10%, lemon, grapefruit, mandarin), Sugar, Orange pulp (2%), Orange zest extract, Natural flavourings, Preservative (sodium benzoate).
~Nutritional Information~ (per 100ml)
Energy 179kj / 42kcal
Ok so it's still a fizzy soft drink and it's probably bad for your teeth but with an orangey Caribbean taste everyone's allowed a treat once in a while.
Yummy! Sweets that don't pull out your fillings!!!
Maoam's boast their the "soft fruit flavour chew's" and they are exactly that...but in my opinion they could probably even get away with throwing the extra words tasty and moorish in the mix too.
Maoams are a product of the Haribo group and were first produced in the Easter of 1931 by Edmund Munster from Germany who acquired a foreign licence in 1930/1931 to create this fruity chew brand.
Within a typical Maoam Maomix you get four maoam minis, four pinballs and five maoam joystixx.
The maoam minis contain five separate individually wrapped sweets; each one makes the pack ideal for sharing. When first tasting these it's like a burst of fruit and once you start chewing you really can't stop. It's a softer sort of candy to hard toffees so you'll find these won't get stuck round your teeth.
These are so different to the other two types of candy as their sugar coated and very sour. They come in a variety of colours/flavours and can on occasions make your eyes water. As soon as you pop one of these on your tongue you get and irresistable urge to crunch it and chew.
The joystixx are very similar in taste to the minis the only real difference being the shape. These tend to be long and thin in appearance.
These are available in most supermarkets and retail for about one pound...currently they are on offer for fifty pence in a well known smart price supermarket.
Sugar, Glucose syrup, Vegetable Oil, Humectant, Sorbitol syrup, Citric Acid, Gelling agent (Gelatine), Flavourings, Colours (E163, E140, E161b), Glazing agent (White and yellow beeswax).
One of Rimmels new offerings on the market at the moment is their revolutionary "volume moose mascara". In my opinion it is a definate must have for any girls handbag.
Rimmel boasts of its ability to instantly volumize lashes...and it doesn't disappoint. Within a couple of sweeps of the brush applicator the mousse instantly thinkens and lengthens lashes. Those who find liquid mascara very thin to apply and often have to apply more than a few layers to achieve their desired effect should look upon this new cosmetic as a successful alternative.
This mascara is very light to wear due to its air whipped mousse content; it almost feels like your not wearing any mascara at all. Unfortunately though, I found that if not applied carefully clumping can develop as this product is fairly think in substance. No one wants the dreaded spider eyes to spoil their look!
At present it can be purchased both in various outlets across the highstreet and is widely available online. It's retailing currently at about five pound.
In conclusion this mascara is extremelly good value for money as many bigger brands boast the same type of product but with a heftier price tag...just watch how you put it on!!!!!
At present I'm living in Southampton as I have done most of my life so it's no surprise when I say Fort Victoria Country Park is one of my favourite spots on the Isle of Wight. Infact I make it a regular port of call whenever I'm over there. It doesn't take too long via Wight link ferry and is one of the most interesting, historic, relaxing and educational sites I have ever come across.
Fort Victoria was built in the 1850's just west of Yarmouth on the Isle of Wight with the purpose of protecting the Solent against any unwanted incoming invasions. The fort was previously a single tier battery with defensible barracks which was later used as a submarine mining centre and for military training purposes. In 1969 the larger barrack block was demolished leaving only what is left today.
Although the fort is steeped in history it also occupies a large quantity of woodlands, a landslip on the north west coast of the island and it houses numerous attractions for all ages and tastes.
The planetarium is just one of a number of exciting attractions to take advantage of while you are here. In some ways it's similar to London's offering with a man-made universe projected up onto a dome ceiling. It's a truly breath taking experience when your flown through space with the aid of virtual reality.
While you wait for your show to start they provide an exhibition area with space art, displays and a simulator for you to peruse and enjoy. Shows tend to last from anything between 25 to 40 minutes and usually tend to run every hour.
So just what time do they open I hear you ask? Well during school holidays they are open from Easter until October between the hours of 10:30 am to 5:00pm.
Children (aged 5-15) £2.00
Family (consisting of 2 adults and 2 children) £11.00
Discounts are also available if booked online or by phone which would therefore make prices as follows...
Children From £1.60
The marine aquarium gives tourists and holiday makers a chance to explore the creatures and marine life that inhabit the murky waters of the Solent. These range from sea anemones to dogfish and conger eels besides numerous other species that live beneath the waves.
Children (aged 5-15) £1.50
Family (consisting of 2 adults and 2 children) £7.00 (extra children £1.00 each)
Within the Fort Victoria complex there is also a model railway which has been running for ten years...previously run by a computer it has now been refurbished and is currently being controlled half by computer and half digitally.
It's open between 10:00am until 3:30pm daily but is closed every Tuesday and Thursday between the months of November to March.
Children and OAP £2.25
Family (based on 2 adults and 2 children) £9.00
As well as the attractions mentioned above they also have an underwater archaeology section where you can learn about shipwrecks and submerged settlements.
After all this your probably be feeling fairly peckish I know I would be so they even house a café within feet of the beach.
And finally I feel I cannot go without mentioning the guided woodland and sandy seashore walks. These are carried out by a ranger but will need to be booked first either online or via phone. If your lucky you may even spot a red squirrel on your travels as the Isle of Wight is one of only a few places left to have them.
In my opinion if you find yourself on the Isle of Wight or even if you don't for that matter!...hop on a Wight link ferry you must take a look at what this place has to offer. Ideally situated with glorious views of Hurst castle just off the mainland and the Solent it's an ideal spot to relax, enjoy yourself with the family and you might even learn something along the way. The only downfall I can see is that everything is individually priced so if you want to experience everything it could get expensive.
Overall a great family day out, there's something for everyone; so what are you waiting for?
Wrigley's new addition to their chewing gum range is their new Orbit Complete which they boast contains Xylitol. Xylitol works in a similar way to mouthwash helping fight plague and aid in maintaining healthy teeth and gums.
I must admit that it wasn't until my dentist recommended it to me and I had given it a go that I realised just what a handy product it is to have and carry on you. When eaten after meals or snacks your teeth definitely feel cleaner and your mouth much fresher. It has quite a pleasant taste not too strong like some other competitors on the market...it's instantly refreshing.
The chewing gum comes in the two standard colours blue for peppermint and green for spearmint. Each box contains within it 14 tabs of sugerfree gum, each individually wrapped for hygiene and simplicity. On the box I must also comment on the fact it has been endorsed by the FDI; The World Dental Federation declaring this gum has been "proven to benefit dental health".
With so many good points it's hard to find a fault with it...but there is a fault. No matter how many boxes I've tried and tested I've always found that if the tabs are not consumed within about three days of opening the main box they become very gooey, slimey and sticky...yuck! Therefore I found I was wasting the last few because I didn't have time to use them.
Overall this is a very good product and the benefits easily outweigh the faults especially in terms of keeping your breath fresh and teeth and gums healthy. Just make sure you don't leave them lying around for longer than necessary!
As a loyal Portman Building Society Customer I was a little sceptical as to what to expect when they were bought out by Nationwide Building Society.
Nationwide claim they are "Proud to be different", and they certainly are. Although they supply a large number of high interest savings accounts, fixed rate ISA's at a whopping 6.15 percent and great value deals on mortgages I noticed a couple of downfalls as well.
With specialised savings accounts customers are normally issued a passbook to track their investment records. Nationwide's Passbook is dark blue in complexion with the Nationwide logo emblazoned on the front in gold. The pages inside in my opinion are not of very good quality especially compared to the offerings of the Yorkshire Building Society and Britannia. In a passbook I like to be able to clearly see my transactions listed down the page through the aid of the coloured rows. Within the Nationwide book these rows are a light blue as too are the columns and column headings...it's ok as long as you've got a good pair of eyes!!!
Transfers are the biggest fault with this building society as far as I'm concerned. After several months with them I was offered a better rate of interest elsewhere so decided to transfer my existing ISA from them to a new provider. I approached the new building society in October to set up my new ISA and get the wheels moving on my transfer. By November I was still waiting for Nationwide to release my money when I received a letter through the door stating I had to "black light sign" my book and return it to head office to prove my identity. Although this is all well and good they replied a few weeks later to say my application had failed requirements and I had to go back in branch for an identity interview which was carried out by one of the cashiers. Eventually towards the end of January my ISA was finally complete. I mean I've heard of transfers taking an age to clear but this was an absolute joke!
I mustn't grumble too much though they still offer consumers a wide and varied variety of products and a competitive rate on credit cards and loans.
1 Yr e-Bond 6.50%
2 Yr e-Bond 6.25%
Regular Saver up to 6%
InvestDirect up to 4.35%
Cashbuilder up to 3.05%
Member ISA Bond up to 5.25%
Instant Access ISA up to 5.00%
1 Yr Fixed ISA 6.15%
2 Yr Fixed ISA 6.15%
3 Yr Fixed ISA 6.15%
1 Yr Tracker Bond up to 6.10%
6 Mnth Fixed Bond up to 6.70%
1 Yr Fixed Bond up to 6.50%
2 Yr Fixed Bond up to 6.25%
3 Yr Fixed Bond 6.05%
They also offer accounts to the over sixties and under eighteens as an incentive to get them saving early.
In conclusion their not a bad building society for savings, investments and mortgages...they just don't make life very easy for the customer when it comes to monetary transfers.
This body lotion boasts a rich moisturiser with a tanning agent which gradually over several applications will give your skin a sun-kissed appearance. Currently it's retailing at a little over four pounds (for a 250ml bottle) in most well known beauty stores across the high street and online...so it's very easy to get your hands on one.
The light yellow, squeezy bottle it comes in features instructions on the reverse explaining how to apply it and highlights the importance to apply it evenly across the skin.
After one application my skin felt softer to touch and looked very slightly tanned; only slightly mind you! After massaging this into my skin on several more occasions the tan was becoming very, very apparent. In fact I had noticed the odd streak and orange blotch appear. In my opinion this product should not only be used evenly but I must stress the importance to use it sparingly as well!...or you could end up looking like you've spent way too long on a badly lit sun bed.