brutworld.com/quickandsimple.php

Simply print off the voucher and use in your nearest Greggs store

www.greggsthebakers.co.uk/promo/index.php

To register for a free sample simply complete your details in the form found on the link below…

www.vitabiotics.com/osteocare/freesample/

www.grabitnow.com/

www.offspring.com/cgi-bin/WebObjects/Offspring.woa/wa/news?newsID=436353

You will be signed up for the Firebox fortnightly newsletter.

www.firebox.com/index.html?dir=partners&action=barclaycard1

JOHNSON’S® have over 5000 packs to give away.

Terms and conditions
1. Entry is open to those taking part in our JOHNSON’S® Online Skincare Survey at www.JohnsonsBeauty.co.uk website between 21st April 2008 and 31st May 2008 (the ‘Closing Date’). Only one entry is permitted per person. Entry is free: no purchase necessary. 2. Entry is valid to UK residents only. 3. Entrants must be over 18 and must not be employed by the Promoter or any of the agencies involved in the administration of this promotion. 4. Any entry that fails to comply with these rules will be deemed invalid. 5. All entries must be received before 12pm on the Closing Date. 6. The first 5,000 entries picked at random from all valid entries received by the closing date will each receive 1 x JOHNSON’S® Mini Essentials Gift Pack. Please allow 30 days to receive your Gift Pack. There is no cash alternative to the prize. The promoter reserves the right to substitute the Gift Pack or any items within it for items of equivalent value. 7. The promoter is not responsible for any delay or failure of receipt of entries. 8. The promoter will make the names and countries of the winners available on written request within 14 days of the closing date. 9. The promoter will have final say in any dispute over the application of these rules. No correspondence regarding the results of the draw will be entered into. 10. Promoter: Johnson & Johnson Limited, Foundation Park, Roxborough Way, Maidenhead, Berkshire, SL6 3UG. The promoter may amend these rules or terminate this promotion at any time before the Closing Date.

Please use this link…

www.johnsonsbeauty.co.uk/questionnaire-intro.aspx

Tennis session must be booked in advance and is available for up to 4 people.

Here are the venues…

Esporta Health & Racquets Club Lichfield
The Brighton Health & Racquets Club
Esporta Health Club Cardiff
The Clearview Health & Racquets Club
The Surrey Health & Racquets Club
The Devonshire Health & Racquets Club
The Esporta Health & Racquets Club Dorset
The Glamorgan Health & Racquets Club
The Gloucestershire Health & Racquets Club
Esporta Health & Racquets Club Hamilton
The Hampshire Health & Racquets Club
The Lancashire Health & Racquet Club
Esporta Milngavie Health, Racquets & Golf Club
The Riverside Health & Racquets Club Northwood
The Norfolk Health & Racquets Club
The Oxford Health & Racquets Club
The Royal County of Berkshire Health & Racquets Club
The Sunderland Health & Racquets Club
The Warwickshire Health & Racquets Club

www.esporta.com/monthly_promotion.asp

However, it seems that when it comes to balance transfer credit cards this is not the case. According to recent reports hundreds of thousands of people every month are trying to transfer their balances from high interest credit cards to low rate or interest free balance transfer credit cards.

This could be seen as a positive or negative thing. Some people may transfer their balances, and then end up spending on their old, higher interest card again, which could result in increased debt levels.

However, on the other hand some people may be transferring their balances simply to reduce their outgoings and the amount of interest that they are paying, which is obviously a good thing providing they exercise common sense, do not run up debts on their old cards again, do not use their balance transfer cards to make purchases, and pay off their transferred balance within the interest free period.

With the credit squeeze affecting many people’s household finances, it makes sense to try and cut out unnecessary payments such as high rates of interest on your borrowing, and a balance transfer card could be the solution.

In a recent study it was shown that the average amount per person being transferred was £1555. However, there are some consumers that are transferring in excess of £4000 each.

One industry official recently stated: ‘There is a significant market for cards offering balance transfers as our research indicates that 40% of card holders think it will take longer than one month to clear their current balance.’

The bad news is that the availability of affordable balance transfer credit cards has fallen over recent months as a result of the credit crunch, and this could have a knock on effect on other areas of finance, such as people’s ability to pay their mortgage.

Many will find it hard to find a balance transfer deal to help them to manage their credit card debt more effectively.

One debt charity official recently stated: “We’ve lived in period where we’ve had very cheap, accessible credit; people would just keep doing nought per cent balance transfers. One of the major effects of the credit crunch is that people can’t manage their large amount of debt as cheaply as they could before; this is having a knock-on effect. We’re seeing increases in mortgage arrears. If people can’t afford their non-priority debts anymore sometimes they’ll stop paying their mortgage as well. It’s definitely having a knock-on effect.”

An official from Sainsbury’s Bank also added that it was vital that consumers make the right choice when it comes to selecting a balance transfer card in order to gain the benefits of these cards.

He said: “Although there are a number of credit cards offering introductory 0 per cent on balance transfers, there is a considerable difference in their duration so people need to choose carefully. Also, when choosing a card for a balance transfer, it is also worth considering what else it offers. For example, we offer 0 per cent for a whole year on Sainsbury’s purchases as well as earning Nectar points equivalent to 2 per cent cash-back.”

There are a number of factors that should be considered if you plan to try and reduce interest by transferring balances from high interest credit cards onto a balance transfer card. You should remember:

• Most 0% balance transfer cards charge a transfer fee of 2-3% of the total amount being transferred, so make sure you check and work out how much you will be paying for the privilege of transferring your balance.

• Many 0% balance transfer cards now do not cap this transfer fees, but there are some that still do. Look around and see if you can find a card that offers a capped balance transfer fee if you plan to transfer a lot of money, as this could save you a considerable amount of money in fees.

• The interest free period with balance transfer cards varies from one card to another, so make sure that you compare them in order to find the longest period, which will give you more time to repay your debt without being charged interest.

• If you cannot repay your debt within the specified period consider a low rate life of balance transfer card. These do not usually charge a transfer fee, and charge a very low rate of interest until the transferred balance has been cleared

Whilst the government has been calling on lenders to do their bit to help the economy by cutting the interest rates on their mortgages and loans, Darling has acknowledged that the process could take some time, particularly in the current financial climate.

He has said, however, that he expects banks to pass on the cuts in light of the £50 billion plan that the government has launched to help liquidity in the money markets.

Speaking of the interest rate cuts Darling said: ‘It will take time because banks are having to build up their capital positions.

There is no quick fix.’ Mervyn King, the governor of the Bank of England, said that some banks had not passed on rate rises to borrowers in the past, adding: ‘What has been happening in the last six months is that now we are cutting interest rates some of the reductions in Bank rate have also not been fully passed through to mortgage rates.’