Nationwide Building Society has today announced that it is widening the range of special offers available exclusively to customers using the Nationwide FlexAccount as their main current account.

The offers will include:

Remortgages

• From 30 October, Nationwide will reward existing customers who use
  FlexAccount as their main current account, with access to competitive
  mortgages up to 90% LTV.
• The range of competitive mortgages will support first time buyers and
  home movers without a large deposit.
• For existing mortgage customers moving home, the offer represents a
  discount of 0.70% off the current range of mortgages available to them
  at 90% LTV (existing customers moving home range, 85-95% LTV tier).
• Each of these products are available with and without free legal fees,
  covering the conveyancer’s professional charges relating to the house
  purchase.
• Rate and reservation fee is identical for each of these options.
• These offers are available to eligible existing customers moving home
  and first time buyers.
• These offers are available through the Nationwide branch network only.

In addition to the ‘Flex gives you more’ offers, Nationwide has also extended its tracker mortgage range for new customers moving home and first time buyers. Tracker mortgages will be available up to 85% LTV (up from 80% LTV).

Personal Loans

• 7.9% APR typical on loans between 7,500 pounds sterling – 14,999 pounds
  on terms up to five years for existing main FlexAccount debit card
  customers.
• This is the lowest rate in the UK and beats the rates set by other high
  street personal loan providers by offering a sub 8% rate.
• Same low rate applies whether the loan is taken out through a branch,
  telephone or the Internet.

Home Insurance

• Eligible customers get an extra 20 pounds off their Home Insurance
  premium when buying buildings and contents insurance together until 3
  January 2010.
• The offer is in addition to the current offer giving customers a 20%
  discount now and a 20% discount off next year’s premium on renewal of
  home insurance, when buildings and contents insurance are bought and
  renewed together until 3 January 2010.
• The 20 pounds offer is applicable to the first year’s premium and is
  available in branch and over the phone.
• The Nationwide home insurance product is rated 5 star by independent
  body Defaqto (2009) for the quality of cover.

Nationwide Building Society acts as an intermediary for buildings and contents insurance which is underwritten by Churchill Insurance Company Limited.

Car Insurance

• 50 pounds off car insurance premium for quotes given from 1 November
  2009 until 31 March 2010.
• The offer is available when eligible customers buy a new Nationwide car
  insurance policy and applies to the first year’s premium.
• The Nationwide car insurance product is rated 5 star by independent body
  Defaqto (2009) for the quality of cover.

Nationwide Building Society acts as an introducer for car insurance which is underwritten by Liverpool Victoria Insurance Company Limited

Credit Cards

• New and existing main FlexAccount customers will receive an additional 3
  months 0% on purchases with Nationwide’s Gold card (available online, in
  branch and over the phone) making the overall period six months.
• Gold card has a Typical 16.9% APR (variable).
• Available from 1 November to 31 December 2009.
• Main FlexAccount customers also benefit from the standard Nationwide
  credit card features of 0% on balance transfers for 13 months,
  commission-free purchases abroad and a positive order of payments,
  alongside the exclusive 0% for 6 months on purchases.

Hat tip to: Houses for Cash

Fun TV facts

• Environmentally Friendly TVs may not really be so.- Right now TV’s have their energy star rating based on how much power it uses WHEN IT IS OFF. 
• Plasma TVs can use as much power as your refrigerator- Roughly $78 dollars a year with the typical American viewing schedule.
• Your old TV only costs $11 a year in energy.- and it can’t be broken by someone pressing on the screen.

So before you do your holiday shopping, ask what the thing will really cost you.

 Anyways, with the recent drop of the interest rates by the fed, keep an eye out for good refinance deals to pay less interest on loans you already have, and perhaps combine a few loans into a lower-interest vehicle.  Christmas credit card spending can really put the hurt on you, avoid using credit cards unless you can pay it off in full.  Try writing credit card purchases into your check register, that way you can write a big check and pay them off at the end of each month.

1. If something inconvenient can happen it DOES happen- mainly the landlady wanting to come into our apartment a month before we are scheduled to move out.  I suggested she wait until the 9th of November so the apartment would be clean and empty.  She said, we’ll be there around noon.  She provided adequate notice but sometimes I have to wonder about people.
2. Friends are awesome all the time, but they are DOUBLE awesome during a move-  All of you lending your backs, brains, or vehicles to moving all of our junk to Madison, I anticipate an overflowing well of gratitude to each of you.
3. Packing-  Sorry, I just don’t like the feel of newspaper or cardboard, I get to feel both a lot this next week.
4. Simplify- If you’re moving it’s a great time to get rid of junk.  How do I define junk? (Junk= anything I’ve had for 9+ months that I can’t sell)  Junk goes in dumpsters.
5. Microwave Dinners- Easy way to make cleaning out the fridge less of a chore and more of an adventure.  We’re basically only eating microwave dinners to encourage ourselves to cook all that other food we’d purchased with the intent to cook it.
6. More to come- I’m sure the hardcore readers of Financingyourfamily.com have some interesting moving stories for me.  Feel free to comment about them.

What this means

1. I will still moderate the comments and respond to comments
2. I still may post during the moving time period
3. I probably won’t post more than once or twice a week

I thank you for your continued support of this site, and look for a frequency increase around the end of November.