A Fairer Society

Advantages: Mutual society means cashback, excelletn customer care
Disadvantages: Savings and mortgage rates are a bit average

...Britannia is a mutual building society, with branches in most towns. I have both a mortgage and a savings account with them and have been in several branches near where I live recently, for one reason and another, so I thought I'd tell you all about it! THE MUTUAL BUILDING SOCIETY What this means is that Britannia are not a PLC, and beholden to their shareholders, they are a society owned by the members. so when they make a profit, they distribute a portion of that as fairly as possible to all the members. The way they have devised is a loyalty scheme, whereby once you've been a member for two years (with either a mortgage, a savings account, a credit card etc) you get your share of the profits via a points scheme. The more points you have, the more profit you get, up to a maximum of £500 a year. You accumulate points by having...

sadoldbag 29.02.2008 · Read review
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Review of Britannia Building Society

Menace to Society

Advantages: Read Opp
Disadvantages: none

...Well another day and another review, this one is actually on a film that I watched when I was a lot younger. Having an older brother who was always interested in rap and hip hop, we occasionally watched the odd gangster film here and their. This review is on the 1993 film Menace to Society, directed by Allen and Albert Hughes. Now I have many friends who hate these types of films, the argument being it's to violent, degrading, racists and just plain stupid. However, for me these films give a reel understanding of what it must be like on the streets of some of the toughest neighbourhoods in America. What the struggle for young kids is and how temptation can cost you everything. Brief Info on the Directors: The Hughes Brothers, both born on the 1st of April 1972 are twin brothers. They are well established directors, writers...

jaygami1986 08.02.2008 · Read review
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Review of Menace II Society (DVD)

Nationwide Building Society

Advantages: Good selection of financial products
Disadvantages: If your requesting a transfer don't expect it to be easy

...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...

K1r5ty21 28.08.2008 · Read review
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Review of Nationwide Building Society

A Local Building Society For Local People!

Advantages: Competitive Rates
Disadvantages: Only A Few Branches

...When I decided to open a savings account I had a good look around at the various options available and eventually settled for an account at the Barnsley Building Society. There were various factors why I chose to open an account with a rather small, and relatively unknown Building Society, which I will detail during the course of this review. First however I will begin with a little bit of background information first. THE HISTORY The Barnsley Building Society has a long history. In fact it was established way back in 1853 as the Barnsley Permanent Benefit Building Society. The initial aim of the company was to enable local people to buy their own residences or other freehold or leasehold property. The Barnsley Permanent Benefit Building Society became incorporated under the Building Society Act of 1874, but at this time...

micksheff 10.09.2006 · Read review
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Review of Barnsley Building Society

Grace really gets her own High Society

Advantages: A good happy musical, a family film, funny.
Disadvantages: maybe slightlty dated, but still fun

...~~ High Society~~ I have although, slowly been going through my collection of musicals, they needed an airing, some are still unopened. I am a bit naughty I buy these movies with the intentions of sitting down to watch them, but life takes over and the moment has gone, they end up being filed to watch one day. So my film for this month is High Society, which is a comedy musical that opened at the Pantages Theatre, Hollywood on 1st August 1956. The film boasted nominations for Best Song and Best score at the 1956 Oscars. High Society was the musical version of Philip Barry's comedy play The Philadelphia Story, which was in its day one of MGM's greatest comedies and starred Hollywood greats Katherine Hepburn, Cary Grant and James Stewart. Grace Kelly with her air of haughtiness was a perfect choice to play the part of debutant...

arnoldhenryrufus 17.07.2006 · Read review
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Review of High Society (DVD)

NATIONWIDE BUILDING SOCIETY

Advantages: Very friendly staff, always prepared to help
Disadvantages: Mistakes happen freqently.

...Sorry but I could not think of a witty title, so I left it very simple! I started banking with the Nationwide Building Society around 7 years ago, me and my now husband decided to open a joint account as we had been together a year by then and were ready to settle down. He already had a savings account with them so we decided it would be easier and then we could keep the savings account open as well. We had to make an appointment as we had to take in documents to prove our identity and a utility bill. Off we went on the day of the appointment fully armed with documents and ready to open our first joint account together, oh if only life could be simple! Now there are several different accounts you can open with the Nationwide Building Society. Flex Account being the main on although there are basic flex accounts of this if...

iloveshoping 29.06.2005 · Read review
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Review of Nationwide Building Society Accounts

the fantastic folio society!

Advantages: BRILLIANT QUALITY BOOKS!
Disadvantages: CAN BE A BIT EXPENSIVE

...Oh how i love the folio society. i love them and yet at the same time, i hate them. Dont get me wrong, i dont hate them because they provide poor quality books and have bad service...no no no. i hate them because i cannot resist thier fantastic books! THE COSTS The cost per book can range from about £19 to anything up to/and over £100. generally most books cost about £25/£30. THE BOOK CATEGORIES ancient history Charles Dickens novels children's books classic fiction eyewitness to war Elizabeth Gaskell series fairy tales and fables history books humour lure of the east memoirs and biographies mystery, thrillers and crime myths and legends poetry books science fiction short stories travel and exploration THE MEMBERSHIP I found a coupon clipping in a magazine to join the folio society along...

vickymoo 02.09.2006 (03.09.2006) · Read review
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Review of The Folio Society

Updated Remaining a building society

Advantages: Good personal service and good rates
Disadvantages: No branch in my hometown of Walsall

...About four years ago I received the annual statement from Sun Life Assurance regarding my mortgage endowment and, being an accountant, I did a few calculations to see roughly what the final figure would be at the end of the term. I was horrified by what appeared to be quite a shortfall in endowment to mortgage outstanding! Since the returns from the policy were not going to be enough to pay off the mortgage at the end of the term I had a choice to either take out a further policy or change my mortgage. I decided to change my mortgage from an endowment mortgage to a repayment mortgage. I shopped around and found that the best deal would be with the Britannia Building Society, as they would give me a discounted interest rate whilst I remained a member of my trade union, Unison. I have also continued paying my policy with Sun Life...

SusanLesley 30.11.2000 (11.11.2001) · Read review
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Review of Britannia Building Society Mortgages

Ecology Building Society. Save and stay green

Advantages: Save and help the environment
Disadvantages: Not as many packages available

...What do you do? You want to save some money but how can you wade through all of the conflicting claims of the various Building Societies? They tell you how much you can earn with your money, but very rarely do they tell you the cost of your savings. Cost? What do I mean by cost? The ecological cost of investing your money with one organisation or company than with another. It's all very well saving money for a rainy day, but what if your money is being used to finance a project that you personally might find offensive or you could not agree with? With the Ecology Building Society, you do not have to worry yourself about that because would be safe in the knowledge that your money is being used wisely and greenly. So exactly what IS the Ecology Building Society? In it's own words: " The Ecology is a mutual building society...

Martinscholes 22.09.2005 · Read review
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Review of Ecology Building Society

Building Societies And The Bosman Ruling

Advantages: They have all vanished
Disadvantages: Interest credited to mortgage account annually

...When I last moved house 5 years ago I took out a mortgage with the Bradford and Bingley Building Society (BBBS). When I took out the mortgage it was a mutual organisation and generally I have always been in favour of mutuality over the listed banks. It meant at that time that the BBBS was quite competitive compared with those banks which had demutualised like the Woolwich or Halifax. They even had a loyalty bonus which meant after having a mortgage for a certain time you got a discount off their normal rates. That has all changed now and the BBBS has become less and less competitive. When I agreed my mortgage it had a discount for the first 2 years and there were redemption penalties if we left them in the first 5 years. Increasingly I felt unhappy with this. When I took it out I expected the BBS to remain competitive but they soon...

polydeuces 21.07.2001 · Read review
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Review of Bradford & Bingley Building Society Mortgages