Advantages: Good rates of interest, all products with one bank Disadvantages: No high street branches
When I got my first internet enabled computer nearly three years ago, I decided to go mad and apply for many different credit cards on many different websites. Most refused me, but one that accepted was Intelligent Finance. I was, well to put it simply, chuffed to be accepted for my first credit card and decided to open a current and savings account at the same time.
The Bank
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Launched in 2000, Intelligent Finance is a web and phone based bank, so there are no high street branches. However, as a division of Halifax PLC they do have big name backing, which as I'm sure you realise, makes for piece of mind.
The Website
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The web site is clearly laid out in quite eye pleasing purple tones. There are links to all the products, with demonstrations of how much you could save if you switch accounts ...
Advantages: flexible, available for 95% mortgages, interest calculated daily, no arrangement fee, no indemnity premium, no tie in period, online/ telephone 24hrs Disadvantages: lacks personal touch, not available for 100% mortgages, (mortgage deeds not stored), may not suit older persons i.e. up to 65 years due to age restrictions
next year’s holiday it is only fair that you should consider how to make your mortgage work ‘with’ you and not ‘against’ you! Think about it… this is the biggest financial decision you will ever make in your life and one you should spend time thinking about.
[Caution! This is detailed in parts but I feel its really important to understand a mortgage product before committing and deciding which one is for you. Please fast forward >>to relevant parts as required, thanks]
WHY I Chose Intelligent Finance (Mortgage product)
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Having had several years previous experience stuck in a Fixed rate mortgage product - which basically means agreeing to pay interest at a fixed rate for an agreed amount of time often with built in restrictions, I was determined not to take out ...
Advantages: Perfect weight, balance of power and control Disadvantages: For the serious player only
I'd owned the Head prestige classic for many years prior to the release of it's successor and I have to say that it did me really well. However, I was curious to say the least when the new Head 'intelligence' prestige was released, so I went to a specialist tennis shop to get the lowdown. The racquet is available in 3 different head sizes; The mid version has a head size of 93 square inches, and the mid plus and the mid plus xl versions both have a head size of 98 square inches.
I took a good look at the mid plus racquet in the shop, but I decided that at the time, I couldnt really afford to buy two because they were retailing at £199.99 each! I say two, because as all serious players will know, because of the vast number of strings you break during matches, you can't really afford to run the risk of having only one racquet ...
![Intelligence And Sacrifice [PA] - Alec Empire](http://imagesa.ciao.com/iuk/images/products/small/704/Intelligence_And_Sacrifice_PA_Alec_Empire__5332704.jpg)
