22 Clitheroe Advertiser &Times, Thursday, December 6th, 2007 Hospice Care for Burnley & Pendle


www.clitheroeadvertiser.co.uk


• Continued from previous page And sharing will also help


Pendleside t f -o sp L c e S u p p o i r t e i r


Open a Pendleside Supporter savings account and you'll be giving your local hospice financial support.


Each year, Marsden Building Society will donate an amount equal to 1 % of the average total balance held in all Pendleside Supporter savings accounts.


up to 4.25% gross p.aVAER variable Instant access B U I L D I N G S O C IE T Y marsden KeCpi>\«i tiou.tr LocaJL kospi.ce I - J -----/ I


Gross means the contractual rate of interest payable not taking account of the deduction of income tax at the appropriate rate. AER stands for Annual Equivalent Rate and illustrates what tho interest reto would bo if intorest was paid and compounded once each year. The minimum balance for opening and operating an investment account for poopto residing in the operational area is £100. Tho Socioty does not accept applications from people residing outside tho operational area. All rates are variablo and correct at tho time ol going to press (11/07). Details ot a l investment rates can bo obtained from your local branch or Principal OtTco. Authorised and regulated by tho Financial Services Authority. Tho Socioty subscribes to the Banking Code, copies of which are available on request. The Society has an internal complaints procedure. Complaints we cannot settle may bo referred to tho Financial Ombudsman Service. Principal Office 6-20 Russell Stroot Nelson Lancashire BB9 7NJ t (01282) 460500 .


The new Bang'S Olufsen television for all you desire


Whatever your choice, the new BcoVision 8 will let you experience it anywhere within your home. Its 26"or 32” LCD screen is optimised for crystal dear television viewing, gaming consoles and the fastest computer graphics.


BANG & OLUFSEN Plunketts of Barrowford


4-6 Gladstone Terrace, Gisburn Rd, Barrowford, Nelson, Lancashire BB9 8NL Telephone: 01282 614444 Email: plunkettsbarrowford@tiscali.co.uk www.bang-olufsen.com


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us have a merrier Christmas, according to Dr David Holmes from Manchester Metropolitan University. He said: "Once, Christmas


was a time to come together but the Dickensian spirit is disappearing as we increas­ ingly have separate homes, separate rooms, watch differ­ ent programmes on different TVs and, to a great extent, have somewhat separate lives. "So let's pick up the spirit of sharing this Christmas.


Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified!


Sharing experiences bonds us together and make us happi­ er as well as healthier." E.ON's Green Santa has


put together some simple tips for sharing over the festive


period: ■ On Christmas Eve:


watch your favourite pro­ gramme or DVD in the dark - close the curtains, turn the lights off and have a true cin­ ematic experience before the big day. And remember to watch out for that red dot - don't leave your te l ly on standby overnight. • Continued on page 24


Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified)


www.clitheroeadvertiser.co.uk


Clitheroe Advertiser & Times, Thursday, December 6th, 2007 23


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50% Top tips on how to avoid debt V lC tirisFm ^


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DESPITE the global credit crunch, the festive season is set to lure con­ sumers to splash out again this


Christmas. So the Credit Services Association


(CSA) - the official body representing the UK debt collection industry - has re­ launched its seven point plan to help consumers avoid the pitfalls of debt. The top tips from the CSA are:


Thelma Gray


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Lancashire Mill Shop www.sherrytex.co.uk Open 7 days for Christmas gifts & more


, Unit 13, Whallcy Ind. Park, Barrow


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01282 778416 sherrytex@intemet.com


Specialist in fine diamonds and; gemstone rings


1. Set a clear budget and stick to it. 2. Make a list of presents and don’t be


tempted to buy more. 3. Start buying early in order to


spread the cost. 4. Shop around to make sure you get


the best deal 5. Don't be tempted by the numerous


‘Buy Now Pay Later’ offers. 6. Offers that appear to be too good to be true invariably are.


HP


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7. Make your decisions and stick to


them. Kurt Obermaier, executive director of


the CSA, explains: "Figures published by business analysts predict that consumers will individually spend about £385 on gifts this Christmas. The credit squeeze and the record level of UK consumer debt will not deter the consumer spending on extrava­ gant gifts. However, with higher interest rates than this time last year, shoppers will be hit harder when January comes. We've seen the value of debt passed onto profes­ sional debt collection agencies grow from £8.6 billion in 2003 to £22.7 billion by the end of this year, and we forecast this to grow to £24.1 billion by the end of next year.”


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