Wedding invitation maker, printable wedding invitation templates, engagement announcements, save the date cards for free

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#free wedding invitation templates

#

Printable wedding invitation templates, free Save the Date announcements, engagement postcards, personalized thank you cards, response cards, wedding stationery

and more. Add your own picture or photo to the online maker and print all your wedding needs. Personalize all the text in the templates or erase any text and print a wedding announcement with your photo for free. No email registration. No account setup. Nothing to download. A simple, single screen online application and it’s free! Enjoy.

Print Save the Date announcements with your photo :

add your photo to any of the templates quickly and easily. Grab a photo from your computer or use a photo you have on the internet by simply entering the URL to the photo. Sample text provided but customize the cards anyway you wish!

Wedding invitations, thank you cards and response cards with your picture :

there are seven lines for text and information. You can use them as is for wedding invitations or change the text to use them as thank you cards or response cards. All of the text fields are customizable and you can erase the text from any field to use these designs any way you’d like.

Printable Engagement announcements and engagement party invitations :

add your photo and edit the text sample to make engagement announcements, thank you cards, engagement party invitations, even wedding invitations. Be creative and add these to other wedding printables or cards.

these are general thank you cards that you can add your photo to. Send them with picture of you on your honeymoon or just send a nice personal thank you card with a custom greeting. There are quite a few templates that can be sued for anything. The text is 100% customizable, so these could also be used as Save the Date announcements, for example.

The free announcement makers have some interesting features:

  • add an image right from your computer or from the Net
  • manipulate your image in the program so that it fits perfectly
  • no URL or site markings on your wedding printables
  • instant previews of your templates
  • print 5×7, 4×6, A4, B5 – the invitation will format full page
  • 7 different font options for each design
  • edit any design to make an invitation a thank you card or response card and visa versa.
  • it’s free!

As it states above, the announcements will format full page. So, if you want to make note card sized announcements, 5×7, 4×6, just change your paper size to the size you want and the maker will shrink everything down or up without loss of quality. Unfortunately, with Letter paper size only, you will need to reduce the announcement to 90% in your printer properties, or it will get cut off.

The software runs online on the site’s server. You don’t need to download anything and since your image is stored temporarily in a private folder, there’s no need to register or create an account. (All images are dumped twice a day.)

Do you need large quantities or professional printing services? If so, I recommend Wedding*Paper Divas. They have an awesome selection of wedding stationary and invitations.

You are free to use any resource from this site as an end user. You may not redistribute, copy, modify, transfer, transmit, repackage, charge for or sell any of the materials from this site. Print With My Pic reserves the right to terminate or make changes to this agreement for any reason and without notice.

All of the templates, suggestions, and ideas for printables here are for your own home/personal use. Be sure to verify you are free to use the images you add to any templates. Print With My Pic does not supply any products, images or third party copyrighted materials. Print With My Pic strongly discourages any use of images that are copyrighted or users believe may be copyrighted. If you believe anything on this site constitutes a copyright infringement or may violate your copyright in any way, please contact copyright with your information, and the content will be removed.


Free Games – Computer video games online play strategy puzzle cards arcade board etc games

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#free puzzle games

#

Frequent Answers – Free Games FAQ

– In the old digital days. Flash games did not exist, most games were build using JAVA (Oracle Corp.) programming language. JAVA is an important component of a desktop computer System. Unfortunately, with recent updates of JAVA many good old JAVA games do not work properly, or just DO NOT WORK.
In recent times. Flash games continue to execute fine, although most MOBILE devices do not process Flash. In the post-Flash period games for Mobile devices are created with HTML 5. what is next.

This site contains many JAVA games, and they will remain for those with old Operating Systems, and as a reminiscence of the when or how the games Online started. They are also a flashback of the origins of this old game site = Freegames.ws.
The page Games List by Size was build to address the slow speed of the modems, when a player had to wait minutes downloading a game to play; now we wait few seconds. and still complain :)))

The following paragraphs were written for a different context, in a past time. I recommend NOT reading them, unless you want to get nostalgic remembering, or waste your time not understanding, how things were a decade or two ago.

– The games are listed by style or category in the page Games List by Type . – In the Favorite Games Page the games are listed in order of
preference; the interesting and better designed games are listed first. Obviously preferences and skill varies with players age, sex, education, and other factors. This games guide is only a reference.

– Java games works as an independent window within the browser window; in order to activate a Java game, you must remember that the cursor must enter the game area and it should be clicked (left mouse bottom) to be activated ; so the games will accept commands from your keyboard and – or mouse activity.
Macromedia (TM) Flash games require the plug-in Flash that can be downloaded free from Adobe.com; the latest browser versions already include an installed Flash plug in.

– Free Games Online could crash the browser or stop working if are not used according to the instructions. If you notice that the game doesn’t work properly, reload the browser window again using the menu selection (Refresh – Reload).

– Some games require a lot of memory and – or resources from the system;
if your system experience problems with some games, close other programs to free resources. Erasing cached files (Temporary Internet files) and the History folder links (I.E. menu: Tools – Internet Options) would speed up the browser functions. In general it is good idea to reboot the system after few hours of use ; software applications and particularly games do not free system resources completely, you will notice the improved performance.

Espa�ol – Visita JugarJuegos.com donde todos los juegos gratis online incluyen descripcion e instrucciones en Espa�ol.

– All the games were tested and proven to work with Internet Explorer 5, some games do not work properly with newer Java Machine implementations. Java Games do not work with Web TV.

This site is better viewed with a resolution of 3200 x 2400 in a plasma monitor of 42 ;-).


Categories: News Tags: Tags: , , , , , , , , , , , ,

Wedding invitation maker, printable wedding invitation templates, engagement announcements, save the date cards for free

No Comments

#free wedding invitation templates

#

Printable wedding invitation templates, free Save the Date announcements, engagement postcards, personalized thank you cards, response cards, wedding stationery

and more. Add your own picture or photo to the online maker and print all your wedding needs. Personalize all the text in the templates or erase any text and print a wedding announcement with your photo for free. No email registration. No account setup. Nothing to download. A simple, single screen online application and it’s free! Enjoy.

Print Save the Date announcements with your photo :

add your photo to any of the templates quickly and easily. Grab a photo from your computer or use a photo you have on the internet by simply entering the URL to the photo. Sample text provided but customize the cards anyway you wish!

Wedding invitations, thank you cards and response cards with your picture :

there are seven lines for text and information. You can use them as is for wedding invitations or change the text to use them as thank you cards or response cards. All of the text fields are customizable and you can erase the text from any field to use these designs any way you’d like.

Printable Engagement announcements and engagement party invitations :

add your photo and edit the text sample to make engagement announcements, thank you cards, engagement party invitations, even wedding invitations. Be creative and add these to other wedding printables or cards.

these are general thank you cards that you can add your photo to. Send them with picture of you on your honeymoon or just send a nice personal thank you card with a custom greeting. There are quite a few templates that can be sued for anything. The text is 100% customizable, so these could also be used as Save the Date announcements, for example.

The free announcement makers have some interesting features:

  • add an image right from your computer or from the Net
  • manipulate your image in the program so that it fits perfectly
  • no URL or site markings on your wedding printables
  • instant previews of your templates
  • print 5×7, 4×6, A4, B5 – the invitation will format full page
  • 7 different font options for each design
  • edit any design to make an invitation a thank you card or response card and visa versa.
  • it’s free!

As it states above, the announcements will format full page. So, if you want to make note card sized announcements, 5×7, 4×6, just change your paper size to the size you want and the maker will shrink everything down or up without loss of quality. Unfortunately, with Letter paper size only, you will need to reduce the announcement to 90% in your printer properties, or it will get cut off.

The software runs online on the site’s server. You don’t need to download anything and since your image is stored temporarily in a private folder, there’s no need to register or create an account. (All images are dumped twice a day.)

Do you need large quantities or professional printing services? If so, I recommend Wedding*Paper Divas. They have an awesome selection of wedding stationary and invitations.

You are free to use any resource from this site as an end user. You may not redistribute, copy, modify, transfer, transmit, repackage, charge for or sell any of the materials from this site. Print With My Pic reserves the right to terminate or make changes to this agreement for any reason and without notice.

All of the templates, suggestions, and ideas for printables here are for your own home/personal use. Be sure to verify you are free to use the images you add to any templates. Print With My Pic does not supply any products, images or third party copyrighted materials. Print With My Pic strongly discourages any use of images that are copyrighted or users believe may be copyrighted. If you believe anything on this site constitutes a copyright infringement or may violate your copyright in any way, please contact copyright with your information, and the content will be removed.


Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more #play #games #for

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#free stuff uk

#

Cashback-paying Santander 123 credit card closed to new customers

Facebook takes on eBay and Gumtree with its own online marketplace for app users

Online retailer Very apologises and issues refunds following confusion over cancelled PS4 console orders

Blue Peter badge winners to lose free entry to Merlin attractions from next year

You CAN claim a refund from your credit card company for Hotpoint tumble dryers, Ombudsman rules

Dear Jo Johnson: Minister, it�s time to tell parents the truth about what you expect them to pay towards university costs

Is the BBC costing Brits a fortune when they go on holiday?

How much the Govt expects you to give your children for university

Santander 123 to slash interest to 1.5% – should you ditch it?

If Santander 123 drops interest to 2% is it still worth it?

Get racing game The Crew free on PC

Amazon Restaurants delivery service: �10 off �15 spend

How much more are Express/Local �convenience� stores costing you?

Amazon Dash ‘house essentials’ service � is it worth it?

On-pack promotions to look out for in the supermarket � incl �FREE� cinema tickets, Nails Inc polish and �10 off B amp;Q voucher

Where Do I Start?

This is a mammoth site packed with an enormous amount of info. If you’re looking for something specific, use the search box above (it works just like Google) or the category tabs. If you just want to save, the main areas are:

Step 1: Grab the ‘Martin’s Money Tips e-mail’. The site’s designed around the free weekly e-mail. It ensures you don’t miss out as many loopholes are short-lived and need speedy grabbing. Over a year, follow the info and you’ll give yourself a money makeover.

Step 2: Give yourself a Money Makeover. The specially designed Money Makeover guide takes you through the main areas you can quickly use to put cash in your pocket, and includes the free budget planner tool.

Step 3: Voyage into the Forums. MoneySavers are generally a kind bunch and will often answer questions and share suggestions. At any moment over 5,000 may be in the Forum’s many discussion boards including Debt-Free Wannabe. Old-Style MoneySaving and the Grab-it while you can bargains board.

Who is Martin Lewis?

Martin Lewis OBE, Money Saving Expert, is an award-winning campaigning TV and radio presenter, newspaper columnist and best-selling author.

An ultra-specialised journalist, focusing on cutting bills without cutting back, he founded MoneySavingExpert.com in 2003 for 100. It’s now the UK’s biggest money site, with over 14m monthly users and 9m receiving the Martin’s Money Tips email and Martin is still its full-time Editor-In-Chief. He’s often credited as the “big gob in chief” behind campaigns to reclaim Bank Charges. PPI and Council Tax with over 10 million template letters downloaded and many billions repaid. Martin was awarded an OBE in the Queen’s Birthday Honours list in June 2014. Other awards include Consumer Journalist of the Year and Citizens Advice Consumer Champion. He has also topped The Grocer’ s 2011 Retail Power100 list. was 5th in the Sunday Times Rich List Giving (Philanthropy) Index. and appeared in the ‘charity and campaigning’ section of the top 500 most influential people in the UK.

In 2009 Martin was revealed as the UK’s most searched person by the web analysts Hitwise (in 2010, the last time the research was published, he was second to Cheryl Cole).

He is a governor of the London School of Economics, has an honorary doctorate from Chester University and, according to Google, was yet again the UK’s most searched the UK’s most searched British man in 2013.

How’s the site financed?

MoneySavingExpert.com is free to use and free of advertising – you can’t pay to have content put on the site. Articles are written based on specialised editorial research of the best ways to save money.

The income comes from links that generate revenue when clicked. Once articles are finished, where possible ‘affiliated links’ to the top products are used and have a * by them. Yet if no affiliate link is available a non-paying link is used; i.e. if the top pick doesn’t pay, it remains the top pick regardless.

This stance means the top products detailed here often easily surpass those on the other money websites. Yet thankfully the sheer scale of MoneySavingExpert.com means it’s very healthily in profit and also donates a good chunk of cash to the MoneySavingExpert.com Charitable Fund .

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • We don’t AS a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

More tools from MoneySavingExpert

Budget Planner

Free tool to analyse your finances and scrutinise spending.

Premium Bonds Calc

Unique tool uses probability to estimate winnings.

EBay Local Deals Mapper

Find cheap pick-up only items near you – they often attract fewer bids.

MobileValuer.com

Selling an old mobile phone? It compares who pays the most.

Credit Card Eligibility Calc

Shows which top cards you’re most likely to get.

MegaShopBot.com

Instantly searches the best shopping comparison sites.

Cheap Energy Club

Ensures the cheapest energy deal constantly.

TravelMoneyMax.com


Categories: News Tags: Tags: , , , , , , , , , , ,

S Tarot Guide: Cards, Spreads, Readings #free #ftp

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#free tarot

#

Your Source for Online Tarot Insight

Tarot.com’s Tarot Guide

Tarot is an ancient divination that began in 14th century Europe. Traditional Tarot decks consist of 78 cards (the Major and Minor Arcana) depicting symbolic archetypes that allow us to tap into our intuition and gain clarity through Tarot card readings. Today, Tarot readings remain one of the most popular tools for insight and reflection worldwide.

Celtic Cross Tarot Reading

This Celtic Cross Tarot Reading utilizes 10 Tarot cards to provide in-depth insight and guidance for any situation in your life. Start reading »

Tarot Cards and Your Zodiac Sign

Every sign of the astrological zodiac is directly tied to a Major Arcana Tarot card. Find out your Tarot card here! Read more »

Weekly Tarot Card Reading

We pull a new card every week, and then ask a question to help you focus on your priorities and your ultimate goals. Read more »

Learn the Tarot Card Meanings

Learning to read the Tarot cards can open up many possibilities for this amazing tool in your life. There are 78 cards in a traditional Tarot deck — 22 Major Arcana and 56 Minor Arcana — which is divided into four suits: Wands, Cups, Swords, and Coins.

The Wands: The Tarot suit of Wands is associated with the element Fire. This suit often pertains to creativity, action, and determination.
Read more »

The Cups: The Tarot suit of Cups is associated with the element Water. This suit often pertains to our emotional lives, relationships, and spirituality.
Read more »

The Swords: The Tarot suit of Swords is associated with the element Air. This suit often pertains to power, change, and conflict.
Read more »

The Pentacles: The suit of Pentacles, also called Coins, is associated with the element Earth. This suit often pertains to material aspects, including work and home.
Read more »

Browse Our Tarot Card Meanings

Top-Rated Online Tarot Readings

More from Tarot.com

Today s News

Weekly Tarot Card Reading

October 2016 Love Horoscope

Cleaning Out Your 12th House Closet

Moon Sign Compatibility


Categories: News Tags: Tags: , , , , ,

2017 – s Best – Air Miles – Credit Cards #sky #mile #credit #cards

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Air Miles & Travel Credit Cards

Below are our picks for 2017’s top travel reward cards. These cards award users air miles or other points for their purchases, which are redeemable for free flights, hotel stays and more:

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.

[x] Close Disclosure

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates – fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • See application, terms and details.

0% for 14 months

5 Ways to Maximize Credit Card Airline Miles

If the idea of flying all over the world and not having to pay for it appeals to you, then you’re in luck. The opportunity to fly for little-to-no-money has never been easier or more available than it is right now.

That’s because more and more businesses are offering airline miles as rewards for using their services. With a little planning and research, you can take full advantage of the money you spend just by spending it the right way.

1) Look for partnership deals

Some credit card companies offer deals for purchasing subscriptions and services through businesses they partner with. These could include newspaper and magazine subscriptions, insurance company quotes and policies, hotels and car rentals agencies – you name it. If this is something you need anyway, why not earn miles for it?

2) Take advantage of one-time bonus miles

Many credit card companies offer substantial bonuses for spending a certain amount during the initial period of having the card. If you plan accordingly, you can take advantage of thousands of extra miles, and then pay off the charges and do it over again with a new card. It’s the fastest way to accumulate extra miles. Many of these cards even offer 0% introductory rates.

3) Use the right card

If you’re planning to make a major purchase such as a car, boat or even furniture or appliances, use a credit card that will take full advantage of your purchase. Some cards offer even up to three times the bonus points for major purchases made with the card.

4) Watch for special offers

Some credit card companies will make special offers on extra airline miles. Look these over carefully and decide if it fits in with your spending and budget plans. Some offers don’t require you to spend any extra money but simply give you extra miles for signing up an authorized user.

5) Look for points that don’t expire

Most of the credit card airline mile rewards points are good indefinitely. That may not be true, however, with the airline frequent flyer programs themselves. If you do plan to transfer points from a credit card reward plan to an airline frequent flyer program, be aware of mile expiration dates.

Credit card airline miles are a great way to fly for practically free. Take full advantage of all the extra bonuses and ways to earn more miles. If you regularly use your airline miles credit card for the majority of your purchases, your miles will add up faster than you think. Soon you’ll be flying high and enjoying the rewards.

Photo source: credit.com

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Advice Topics


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Using Credit Card Abroad – Currency Credit Card #how #do #you #accept #credit #card #payments

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#

Using your card abroad

When you’ve helped travellers for as long as we have, you know that Credit Cards can be a lifesaver when you’re abroad. With our Credit Cards, there are plenty of reasons to start and end your holiday with a smile.

Your Post Office Money® Credit Card could make your holiday more memorable.

We have a rich history of being the first port of call for people who like to travel abroad.

With that experience we ve created three Credit Cards with the unique feature of no charges for Post Office travel money.

From currency, insurance and passports we like to make your trips as easy as possible and your Credit Card should be working as hard as we do to make your holiday a success.

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

Why use our Credit Card abroad?

Security is the big advantage. Many people don t like carrying too much cash with them for obvious reasons. Our Credit Cards are also accepted in 35 million locations worldwide, so you won t need to fill your wallet with more cash than you need.

Keep track of your spending

Running out of money (or going over your credit limit) can be a nightmare, especially in a foreign country. To help you keep track of what you re spending in British pounds you can view your account through online servicing or we have created a special Credit Card Mobile Servicing App. Please check for international data charges with your mobile phone provider before you travel.

Using your card abroad

As you prepare to set off on holiday, make sure you re up to speed with these essential steps for using your card:

  • Notify us of your travel plans via our Credit Card Mobile Servicing App or via online servicing.
  • Know your PIN. With so many PINs and passwords to remember, it s easy to get mixed up. Make sure you know your Credit Card PIN before you go away. If you ve forgotten it you can view your PIN by logging into your online account or call our Customer Services team on 0345 607 6500 and we ll send you a reminder.
  • Don t miss a payment while you re away. The easiest way to make sure you always pay your bill on time is by setting up a Direct Debit. Log in to your online account or our Credit Card Mobile Servicing App to set this up, or just give our Credit Card Customer Service Team a call.
  • Find out about Dynamic Currency conversion. Sometimes, retailers and ATMs will give you the option to pay in either the local currency or pounds sterling. It should always be performed with your consent. Choosing to pay in pounds could mean you are charged additional fees.
  • Find out what charges are applicable for using your credit or debit cards abroad. Some providers may charge you a non -sterling transaction fee, which is a fee charged to any purchase or cash advance that occurs in a currency other than sterling.

Your local travel experts

Post Office is here to make your travels easier. We look after all the essentials like passports. insurance and money so that you can concentrate on getting the most out of your time away. Our travel experts can help you with:

Passports Whether you re renewing or getting your first passport you can pick up a passport form from one of our branches. Top tip: use our Check Send service to make sure you ve filled in all the forms correctly first time.

Travel money Order your travel money using your Post Office Money Credit Card with no cash fees, either online or in our branches.

EHIC card If you re travelling in Europe, this free European Health Insurance Card (EHIC) means that you receive state healthcare in EEA countries (and Switzerland) at a reduced cost (or sometimes free). You can apply for your card via the online EHIC application form .

No fee travel money

Want to buy something in another currency without being charged extra fees? Our Platinum Credit Card comes with no fees for purchases made in foreign currencies whether you re abroad or simply shopping online. 18.9% APR Representative (variable).

Our most suitable card for overseas purchases:

Information correct as at 05/06/2017

The table above is an illustrative example based on an exchange rate of 1.141625 and a 100 spend.

The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard, from time to time, as shown, where applicable, on your statement.

The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

Overseas purchases

We don t charge a non-sterling transaction fee to customers using our Platinum Card overseas, and we charge 2.99% for customers using our Matched and Balance Transfer Cards.

Cash fees
If you use your Post Office Money Credit Card to take money out at an ATM overseas, you will be charged a cash fee of 2.5% and a higher interest rate of 27.9%. The ATM provider may apply additional fees and cash withdrawal limits.

Call Charges

0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

Small print

Credit is subject to status to UK residents aged 18 years or over.

Post Office Money credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA s website (www.fca.org.uk ) or by contacting the FCA on 0800 111 6768.

Can we help?

Corporate website

*This search box uses a service supplied by Google called Google Site Search. By using this search box you confirm that you accept, and agree to comply, with Google s Terms and Conditions, Privacy Policy and Cookies Policy. Please read these terms carefully before you start to use the search box. If you do not agree to Google s terms, you must not use the search box. Post Office Limited accepts no liability in respect of how Google uses your information when you use Google Site Search.

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Money Saving Expert: Credit Cards, Shopping, Bank Charges, Cheap Flights and more #free #online #football

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#free stuff uk

#

Cashback-paying Santander 123 credit card closed to new customers

Facebook takes on eBay and Gumtree with its own online marketplace for app users

Online retailer Very apologises and issues refunds following confusion over cancelled PS4 console orders

Blue Peter badge winners to lose free entry to Merlin attractions from next year

You CAN claim a refund from your credit card company for Hotpoint tumble dryers, Ombudsman rules

Dear Jo Johnson: Minister, it�s time to tell parents the truth about what you expect them to pay towards university costs

Is the BBC costing Brits a fortune when they go on holiday?

How much the Govt expects you to give your children for university

Santander 123 to slash interest to 1.5% – should you ditch it?

If Santander 123 drops interest to 2% is it still worth it?

Get racing game The Crew free on PC

Amazon Restaurants delivery service: �10 off �15 spend

How much more are Express/Local �convenience� stores costing you?

Amazon Dash ‘house essentials’ service � is it worth it?

On-pack promotions to look out for in the supermarket � incl �FREE� cinema tickets, Nails Inc polish and �10 off B amp;Q voucher

Where Do I Start?

This is a mammoth site packed with an enormous amount of info. If you’re looking for something specific, use the search box above (it works just like Google) or the category tabs. If you just want to save, the main areas are:

Step 1: Grab the ‘Martin’s Money Tips e-mail’. The site’s designed around the free weekly e-mail. It ensures you don’t miss out as many loopholes are short-lived and need speedy grabbing. Over a year, follow the info and you’ll give yourself a money makeover.

Step 2: Give yourself a Money Makeover. The specially designed Money Makeover guide takes you through the main areas you can quickly use to put cash in your pocket, and includes the free budget planner tool.

Step 3: Voyage into the Forums. MoneySavers are generally a kind bunch and will often answer questions and share suggestions. At any moment over 5,000 may be in the Forum’s many discussion boards including Debt-Free Wannabe. Old-Style MoneySaving and the Grab-it while you can bargains board.

Who is Martin Lewis?

Martin Lewis OBE, Money Saving Expert, is an award-winning campaigning TV and radio presenter, newspaper columnist and best-selling author.

An ultra-specialised journalist, focusing on cutting bills without cutting back, he founded MoneySavingExpert.com in 2003 for 100. It’s now the UK’s biggest money site, with over 14m monthly users and 9m receiving the Martin’s Money Tips email and Martin is still its full-time Editor-In-Chief. He’s often credited as the “big gob in chief” behind campaigns to reclaim Bank Charges. PPI and Council Tax with over 10 million template letters downloaded and many billions repaid. Martin was awarded an OBE in the Queen’s Birthday Honours list in June 2014. Other awards include Consumer Journalist of the Year and Citizens Advice Consumer Champion. He has also topped The Grocer’ s 2011 Retail Power100 list. was 5th in the Sunday Times Rich List Giving (Philanthropy) Index. and appeared in the ‘charity and campaigning’ section of the top 500 most influential people in the UK.

In 2009 Martin was revealed as the UK’s most searched person by the web analysts Hitwise (in 2010, the last time the research was published, he was second to Cheryl Cole).

He is a governor of the London School of Economics, has an honorary doctorate from Chester University and, according to Google, was yet again the UK’s most searched the UK’s most searched British man in 2013.

How’s the site financed?

MoneySavingExpert.com is free to use and free of advertising – you can’t pay to have content put on the site. Articles are written based on specialised editorial research of the best ways to save money.

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QR Code Generator: QR Stuff Free Online QR Code Generator And Creator For Brochures, Print

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#free stuff uk

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QR Code Generator


QR CODES

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Storing up to 4296 characters they are internationally standardised under ISO 18004, so a QR code is a QR code all over the world – they’ve been big in Japan forever, broke into Europe and the UK a few years back, and are now popular in North America.

Think “print-based hypertext links” and you’ll get the idea.

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5 new rules in the credit card balance transfer game #credit #card, #credit #cards, #balance

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5 new rules in the credit card balance transfer game

It used to be so easy, but that’s not the case anymore

By Allie Johnson | Updated: September 15, 2009

Transferring a credit card balance used to be so easy and painless that some consumers referred to it as a game: Sort through a stack of offers, find the best deal and you win. Now, fewer offers, shorter introductory periods and higher fees make finding a good balance transfer deal a much more challenging job.

“Balance transfers are harder and more expensive than ever,” says Jim Randel, author of “The Skinny on Credit Cards.” “This is all part of the pullback in the credit card industry.”

The availability and attractiveness of the terms of balance transfer offers has taken a downturn right along with the economy — but card issuers also point to new federal credit card legislation. passed in May and slated to take effect next year, as the reason for even more changes.

In July 2009, JP Morgan Chase. the largest credit card issuer in the country, cited the new federal regulations when it sent letters to its customers stating that the bank will increase its maximum balance transfer fee to 5 percent — the highest charged by any issuer.

“In a higher-loss environment, it’s important that we are prudent with our balance transfer offers,” Chase spokeswoman Stephanie Jacobson stated in an e-mail, adding that the increase would not apply to all deals or customers. She would not, however, say who would be affected. Bank of America — the second-largest issuer — has increased its maximum balance transfer fee to 4 percent.

The standard balance transfer fee had been about 3 percent — and some issuers also limited the total fee, often to less than $100, with caps. “It used to be common for issuers to cap balance transfer fees — to no more than, say, $50 or $75,” Randel says. “Those caps are going away.”

The fee increases and lack of caps can hit consumers’ wallets hard. For example, a 5 percent fee on a $10,000 balance transfer would be $500. It is possible to find better deals, but it takes work.

Small business owner Ken Kilpatrick, who lives near Philadelphia, made many phone calls last month to find a transfer deal for his $10,000 balance. He finally opened a Discover card at 0 percent interest for a year, with a fee capped at $99. “There are still deals, but you’ve really got to look for them,” Kilpatrick says. “First, the customer service reps will tell you about what deals they’re promoting right now, but if it’s not what you want, you just have to keep asking questions.”

Here are some steps to take if you’re looking for a balance transfer deal:

1. Go to online forums and get feedback from customers of the issuer you’re considering. “Do a little homework on the company. Check and see how they treat their customers,” Randel says. “Because once you’ve switched, you can’t just switch back. Your old issuer may or may not take that debt back.”

2. Read the fine print to make sure you’re getting the deal you think you’re getting. Some card issuers now advertise a certain introductory period — say, a year — and introductory interest rate — say, 0 percent — but the fine print specifies other periods and rates for those with less-than-stellar credit. “The best investment consumers can make is in a magnifying glass — take that and read the fine print,” says Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling.

3. Pay attention to the APR on purchases. not just to balance transfer terms. Until the new federal rules kick in, in February 2010, any new purchases at a higher interest rate probably will be buried under your lower-rate transferred balance. “You need to know, ‘OK, if I charge a pair of shoes on that card, what’s the rate?'” Randel says. “Because if you have a $2,000, 0 percent balance transfer, and you charge a new pair of shoes for $50 at 15.9 percent, the last thing that’s going to get paid is those shoes.”

4. Consider keeping your old card open if you do transfer a balance to a new credit card — unless you’d be tempted to rack up a new balance on it. “If you leave the old card open, it can be a temptation to add little charges here and there, and before you know it, you’ve run up your debt again,” Cunningham says.

5. Don’t assume that interest rates or other terms will not be changed by the issuer in the future. For example, Chase recently increased minimum payments for some customers by 150 percent — and many of those affected had low-interest deals for the life of a balance transfer. (See 4 ways to fight minimum payment increases .) That might trip up some customers who can’t afford the new, higher payment, possibly causing them to be late or miss a payment and, in turn, causing that low interest rate to skyrocket. “During that 12 months, or whatever the introductory period is, the issuer typically cannot change the interest rate or minimum payment,” Randel says. “After that, they can do whatever they want — and worse, if you miss a payment, the game is off.”

Here is a list of some of the most popular balance transfer credit cards and their requirements:

Balance transfer credit card

Introductory APR for balance transfers

Introductory period length

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