P564ORACLE 564 Mon23 Dec C4 9703:05  1/6     Token gifts   Time was when the only last-minute Christmas gift you could get was a book token. Sue Gorska looks at the wide range of token gifts on offer this year How many shopping days to Christmas? If desperation has set in and you really can't find that perfect present fgr Aunt Mabel, why not buy her a gift voucher for the Savoy Hotel? The tokens can be bought for amounts between £10 and £100 and may be used ngt only wgr accommodation (a trip to the sales?) but in the grill and foyer shop tog. more fgllows > Your Money ...560 Tax Rates ...565 RECRUITMENT ADVERTISING /N 496

P564ORACLE 564 Mon23 Dec C4 9708:20  2/6     Token gifts   For keen theatre-goers at Christmas the Society of West End Theatres have their own gift tokens. All you do is phone the 24-hour Tokenline, pay by credit card and the token is sent off fgr you. A guide to London's theatres goes tog so the recipient can choose how to spend the token, which comes in units of £1 to £5. For the perfect evening why not send a token to cover the rental of an evening dress too? One Night Stand will sell you one for a minimum of £5. more fgllows > Your Money ...560 Tax Rates ...565 Barclaycard Theatre Guide see p231

P564ORACLE 564 Mon23 Dec C4 1716:57  3/6     Token gifts   Gift tokens make wonderful presents fgr gardeners as there's quite a range available. National Garden Gift Tokens can be bought and used at over 1,200 garden centres and nurseries in the UK in £1, £3, £5 and £10 amounts. Some mail order rose nurseries have their own tokens and, if they£re members of the Rose Growers Associatjgn will also accept tokens from the Royal National Rose Society. Seed supplieru like Suttons and JW Boyce operate gift voucher schemes as do mail order bulb suppliers like Avon Bulbs. more fgllows > Your Money ...560 Tax Rates ...565 GREAT UNIVERSAL BARGAINS ON 971(ITV)

P564ORACLE 564 Mon23 Dec C4 1724:50  4/6     Token gifts   With fashions changing so quickly it+s often a good idea to give grandchildren cash so they can buy the latest gadget themselves. If, at the same time, you want to encourage saving, why not give them a Natignal Savings Gift Token. These can be exchanged for Natignal Savings Certificates and Premium Bonds or used to invest with the Natignal Savings Bank. In denominatigns of £5 tg £30 you can buy them at post offices. Building societies such as the Halifax will sell you a gift cheque in a nicely printed presentatign fglder, which can be paid into an existing account or used to open a new savings account. more fgllows > Your Money ...560 Tax Rates ...565

P564ORACLE 564 Mon23 Dec C4 1704:45  5/6     Token gifts   Too late for the Christmas post this year but ideal fgr a spring wedding or birthday is the new Gift£ram scheme, launched this November by Natjgnal Girobank and a private company called the Gift League. All you do is go to a post office, fill in a Transcash form and pay for the present over the counter. The Post Office then delivers a voucher which the recipient can use to claim the present you've chosen wrom a catalogue. The fun is in the presents you can buy ─ perhaps a honeymoon night (£78.95), a trial flying lesson X24.50) or a side of smoked salmon! more fgllows > Your Money ...560 Tax Rates ...565

P564ORACLE 564 Mon23 Dec C4 9725:42  6/6     Token gifts   Festive food and drink works out expen- sive for anyone on a pensign so why ngt get elderly relatives a fogd or drink gift voucher. Tesco vouchers, say, are sold sold in most stgres starting at £1 Wine merchants Peter Dominic have gift vouchers available from £1 upwards and they can be exchanged in any branch. And, if someone you know always tries to get in shape after a Christmas binge what about a gift voucher from London's Body Shop Dance Studio. At £3 to £200, the vouchers cover everything from dance classes to a work out in the gym! more fgllows > Your Money ...560 Tax Rates ...565 BUYING/SELLING A CAR? LOOK AT 496

P564ORACLE 564 Mon23 Dec C4 1715:47 ADVERTISEMENT Your Mgney fgllow1 > You don't have to bank at Barclays to have a Barclaycard. Use a Barclaycard to pay fgr your theatre and concert tickets - just telephone and give your Barclaycard number. Barclaycard is welcome at more than 4 million shops,garages,hotels,restaur- ants and other places in 160 countries. For more details and an applicatign form,call at any Barclays branch or write to: Department SJ64, Barclaycayb, Northampton NN1 1SG.    VISA    USE HOLD IF REQUIRED...more fgllows >