An Intelligent choice ?????

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 *********** 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 *************** 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...

sandemp 02.01.2005 · Read review
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Review of Intelligent Finance

  DESIGN your Mortgage INTELLIGENTLY....

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) -------------------------------- 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...

Connoisseur_Haggler 30.12.2002 (02.01.2003) · Read review
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Review of Intelligent Finance Mortgages

An Intelligent Choice

Advantages: Attractive rates, no tie-in period. Smart mortgage.
Disadvantages: The discounted rate is only 6 months - some lenders discount for longer

...I recently purchased a house and wanted a good deal on my mortgage. I wanted everything - a discounted rate, cashback and also no tie-in period. The tie-in period was very important to me as I had to leave my previous mortgage lender (the Leeds & Holbeck) and they charged me over £3000 to do this because I was still within my 5 year tie-in period. I could have stayed with the Leeds & Holbeck to avoid paying this huge fee but Leeds & Holbeck would not lend me the extra money (I needed £120,000) for my new house. I decided to go to Intelligent Finance and I was very pleased to hear that they would lend me up to £140,000 - more than enough for what I needed! The deal I got from IF was 6% base rate which is lower than any other lender that I had checked up on at the time. There was a discount of 1.5% for the first 6 months. I have seen...

Manics 10.11.2001 · Read review
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Review of Intelligent Finance Mortgages

An intelligent foundation?

Advantages: Light and longlasting
Disadvantages: Not suitable for all

...*Introduction* I bought this product after discussing with the lady at the Boots make-up counter the trouble I'd had with skin (by that I mean spots). She suggested that maybe it was due to the fact that the foundation I was using was slightly too thick and causing dirt to clog in my skin. She then disappeared under her counter and pulled out what she suggested would help to solve my problem. I use quite a lot of No.7 products so I didn't need much persuading when it came to trying Boots No.7 Intelligent Colour Foundation. *About the Product* No.7 Intelligent Colour is a foundation matches the colour of your skin. It claims that it will 'take away the guess work' and 'adjust to match the colour of your skin for a sheer, natural finish'. The foundation contains SPF 6 and vitamins A and E. This is included in the product to...

lauren6299 15.02.2009 · Read review
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Review of Boots No.7 Intelligent Colour Foundation

Intelligent? Me?

Advantages: Good interest rate, quick and easy to do
Disadvantages: None is you have money to save

...I'm going to write this review for people like me who aren't that clued up on ISA's so I will explain it all as I understand it so don't sue me if I get the technical terms wrong. QUICK ISA OVERVIEW:- The type of ISA I got with Intelligent finance is a mini cash ISA which basically means you've got a savings account that the tax man doesn't get a piece of. It's instant access so you can withraw when you want and there is no risk involved (unlike a shares ISA's where you could lose out depending on the share price). With a mini ISA you can deposit up to £3000 per tax year into the account that will earn you a reasonably high interest rate and you won't pay tax on it. One point to note though is that if you deposited £3000 into the account and then withdrew say £100 for something. You couldn't then top it back up again in...

fullcircle 19.03.2004 · Read review
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Review of Intelligent Finance Accounts

  Artfully intelligent but awfully indulgent

Advantages: Intelligent, thought-provoking, great special effects
Disadvantages: Disjointed plot, somewhat derivative

....) The direction is perhaps the most controversial talking point. I felt I couldn't really connect with the characters, there was an emotional distance there, which was actually more reminiscent of Kubrick. There are great moments as always and despite the slow pace I was not aware of the length of the movie until I read other reviews on it. It was compelling watching to see which way it was going to go. For me, Speilberg made the wrong choices on too many occasions and there is definitely a better film hiding in here trying to get out. But compared to your average no-intelligence-required Hollywood movies this is a work of art. It does make you think and if you're aware of its complexity beforehand you'll probably quite enjoy it. If you're expecting an action-adventure sci-fi movie, then you're in for a big disappointment. Perhaps the biggest...

Crazy-Christian 27.09.2001 (21.09.2007) · Read review
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Review of A.I. - Artificial Intelligence (DVD)

A tube that is Intelligent

Advantages: light, velvety foundation that matches your skin
Disadvantages: May be too natural looking for evening wear

...Most women love a bit of retail therapy and a few months ago I went into Boots, armed with a £5 off voucher that my daughter had given me plus some Boots vouchers I had got from doing a survey. I needed some Cleanser and a new lipstick. I love bargains and I noticed if I spent £15 I would get a goody bag with several items in it, so that was how I discovered Intelligent foundation. I have lots of freckles so my skin colour is quite difficult when it comes to buying foundation. At a make-up party once the organiser used a very pale foundation as she matched it to my wrist which is white! I looked ghastly and ghostly! Too dark a foundation to blend in my freckles looks as if I have had an artificial sun tan, so I was amused to see that this Intelligent foundation was going to take away the guesswork and blend in to give a natural finish...

jo145 23.06.2007 · Read review
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Review of Boots No.7 Intelligent Colour Foundation

INSULT TO INTELLIGENCE

Advantages: Great, fantastic special effects, Jude Law nice characterisation
Disadvantages: flimsy story, slow pace, too over indulgent

...The new film from Steven Spielberg, A.I – Artificial Intelligence, is ‘E.T meets 2001’. Not just because of the death of Stanley Kubrick and Spielberg having to take over the project, but many aspects of this film ‘feel’ and ‘look’ familiar. First the obvious one. Weird kid, Haley Joel Osment plays ‘David’ a revolutionary new ‘mecha’ – an extremely lifelike Robot like the millions that are on Earth in the 24th Century where this film is set. I’m very sorry, but this kid is annoying. Much like Macauley Culkin used to be. He played a very odd kid in ‘Sixth Sense’ and reprises the performance in many respects in this film. The film’s plot is based loosely on ‘Pinocchio’. David (Osment) wants to be a REAL boy and although he...

flashpointz 24.09.2001 · Read review
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Review of A.I. - Artificial Intelligence (DVD)

Intelligent Colour for Those with Perfect Skin

Advantages: Changes to match your own skin tone, feels nice
Disadvantages: Doesn't conceal anything or give any kind of coverage

...When it comes to choosing foundation I inevitably end up with the wrong shade, whether it be because of the lighting in-store or just because my skin tone changes throughout the year. So with this in mind I picked up a tube of this Intelligent Colour foundation on a trip to Boots. It costs £13.75 for a 40ml tube and there are only 3 shades to choose from - light, medium and dark. I went with the medium as I have a fairly average olivey type skin tone (if that makes any sense?!). It comes in a sleek black tube which is quite small and neat as foundation's go, and it looks really nice with it's gold writing. It's a squeezy tube so you just give it a squeeze to get some of the foundation out. This foundation is supposed to adjust to your skin tone to give you a sheer, natural finish. The tube also says that it's velvety soft, easily...

CherryVegas 24.02.2009 (16.02.2009) · Read review
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Review of Boots No.7 Intelligent Colour Foundation

Intelligent?? Finance

Advantages: Competitive borrowing rates
Disadvantages: Woeful call centre expertise and supporting systems

...Style"). The result is that after a couple of years you are forced to go through the rigmarole of making an application for a further advance. This means you have to pay futher administration fees, and valuation fees. But the worst aspect of the whole thing is that IF simply need to be chased constantly. Your application gets stuck in the system and only a call from the account holder can unjam it. You get told that the application is waiting on a call to the account holder, but there is no mechanism actually to action anyone to make the call. It is desperately depressing talking to the first-name-only call centre staff as they seem to have the haziest idea about their own products. (updated on 14 July) I always refer to this bank as 'so called Intelligent Finance". Their customer service is truly awful. I began the process...

stevehem 14.07.2006 · Read review
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Review of Intelligent Finance Mortgages