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14-INCK HP Compaq 612060GB HD1GB. Idealstudent/school. Good battery.Windows XP/Open Office 1.73Ghz. No offers £50. Tel: 07935804445

ZOGGS Bobin jacket, stage 2in red. Like new. 4-5 years, 18 -25kg. Adjustable punctureproof floats £15. Tel: 07971771248

BABYSTART black pushchairupto 33lbs/15kg. Lockable frontswivel wheels. 5 point harness.2 to sell. £10. Tel: 07971771248

LITTLE Life Toddler day sackwith parent rein, excellentcondition in blue, withadjustable straps £10. Tel:07971 771248

BOYS Lonsdale Camdentrainers. Grey/Orange, size 10.Good condition £5. Tel: 07971771248

2 PIECE white bedroom set -double doored wardrobe withhanging/storage shelf, 3 drawerchest. Good condition. Cabarrage delivery £70. Tel:07544989458

MAHOGANY hexagon cardtable with green inlay top and 4side drawers.Triple centre withClaw feet. Good condition £50.Tel: 07544 989458

ORTHOPAEDIC high backchair, suit elderly person orsomeone with back problems.Good condition. Can deliver£70. Tel: 07544 989458

BLACK metal shelving unit with5 wooden shelves, 170 cm highx 75 cms wide. Excellentcondition £30 ono. Tel: 01446409351

WHITE Fridge, will fit underworktop. Very clean and tidy,can arrange delivery £60.07544 989458

MATERIAL metal action sofabed. W 169cm x D 90cms. HFloor to arm 80cms. Heightfloor to cushion 62cms £25. Tel:01495 753924

ELECTRICRecliner Chair,full rise and stepout. VGC. Perfectworking order. Suitdisabled person.Can deliver £175Tel: 07931 507143

FOLDING gust bed £35.Tel: 02922 415763

GREENHOUSE Dismantle andtake away £5. Tel: 01633893629

LENOVA 11" laptop, chromebook with carrier case £75.Tel: 01633 664592

LARGE Dog bed, plastic £5(Cost £16.50). Tel: 07802487042

CHERRYWOODDining Suite

Extending Table 6Chairs, Sideboard,Corner Unit and TVCabinet. Excellentcondition. £495

Tel: 07854 131856

800 X 1200 MM Showercubicle and base £80.Tel: 07814 369036

FOUR wheeled rollator withbrakes and seat very goodcondition hardly used £45 Tel02920 637363

MARBLE grate with back plateand hearth, beige colour.Excellent condition. £50.Tel: 07854 131856

GAMES Brand New -Deal orNo Deal, Tri-onminos, Get aLetter, Foolin' Around, PartyCharades £25 TEL 01633856182

YAMAHA CLAVINOVAElectronic Piano, in excellentcondition. Comes complete withcover, piano stool and usermanual. Stand can be removedso can easily fit into a car£99.95 MUSIC BOOKS £5TEL. 07935858020

HEADBOARD double, ivorycream padded with embossedpattern. VGC £15. Tel: 01633817888

VAX Rapide carpet cleaner,used once £30. Tel: 01633763580

BEATLES items. Alarm clock,wall clock etc £15. Tel: 01633763580

BLACK and Decker 2 speeddrill, can be seen working £5.Tel: 07773 710445

SMALL trolley jack, suit car,4 x 4 etc. £5. Tel: 07773710445

BEKO gas cooker in white goodclean working order £30 Tel01633 669886

KITCHEN units various sizeswall cupboards base units %each worktops £10 each sinkunit with tap £10 Tel 01633859057

CASIO electronic cas registermodel tem80 with 16 till rollsphotos on demand £35 Tel07516693520

MARKS & spencer white watchas new still in box picture ondemand £10 Tel 07516693520

VINTAGE colclough 21 pieccetea set in excellent condition asnew photo on demand £45 Tel07516693520

CARD small antique cardplaying table with green inlayon top £20 Tel 07825310508

Z table in good condition niceand light to move around £10Tel 07825310508

BESWICK china large colliedog excellent condition £40 Tel01246456350

WADE large nursery rhymemodel little boy blue excellentcondition £28 Tel01246456350

WOODEN coffee table in goodcondition size 70cm x70cm x45cm must sell £25 Tel 01495756943

WOODEN tv table with 2drawers size 112cm x 46cm x50cm in really good condition£45 Tel 01495 7569943

GUITAR amp yamaha 15 wattguitsar amplifier never giggedhardly used excellent condition£30 Tel 01495 756943

YAMAHA electric guitar inexcellent condition nevergigged hardly used £75 Tel01495 756943

BOXING books henry cooper,myhammed ali, joe calzagheunopened dvd £20 Tel 01495224627

CHAMPNEYS luxury foot spaunused in box £10 Tel 01495224627

LIGHT bar for recovery truck4x4 etc good condition £25 Tel07773710445

PAIR of kenlowe electriccooling fans suit landrover etccan be seen working £25 Tel01495 224627

CAT box good condition willhold 2 cats comfortable £5 Tel07914821659

SILVER metal computer desk£5 Tel 07708812759

CIRCULATION foot massager£10 Tel 01633 669886

ELECTRIC cooking plate 2 castiron rings fits on worktop £15Tel 01633 669886

FOLDING lightweightwheelchair in as new condition£20 Tel 01633 669886

VAX upright bagless vacuumcleaner with tools excellentcondition £15 Tel 01633669886

TRIWALKER wheeled withattached bag, basket and tray£15 Tel 01633 669886

WEIGHTS very good conditioncollection only £20 tel or text02920254857

DOUBLE DIVAN BED

un-used in packaging

Pocket Sprung

Orthopaedic memory

foam mattress storage

drawers in base £100

07709 297826

DORLING KINGSLEYHardback illustrated children'sEncyclopedias, asnew £10 ONOTEL. 014446 410652

CHESSLIGHT illuminatedchess computer game boxedas new, immaculate, first to aeewill buy, bargain £15 ONO.TEL. 01446 410652

Wednesday, December 16, 2015 25southwalesargus.co.uk




Here at the Advertising StandardsAuthority, we judge ads on whetherthey’re harmful, misleading, oroffensive. Not on whether they’refunny, clever or they look good.Which is just as well, really.


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Wednesday, December 16, 201526 southwalesargus.co.uk

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Five million pensioners will be able tocash in just like new retirees from 2017FIVE million pensioners will be able to cashin their annuities for a lump sum paymentfrom April 2017, the Treasury has confirmed.The change, announced following the com-

pletion of a consultation launched earlierthis year, will put existing pensioners on thesame footing has new retirees who have beenable to take a cash lump sum since April.Economic Secretary Harriett Baldwin said

there would be a comprehensive consumerprotection package to ensure people makeinformed decisions about their retirementsavings.It will include a requirement for people to

seek independent financial advice before sell-ing annuities worth above a set value.“For most people, sticking with an annuity

is the right thing to do. But there will be somewho would welcome being able to draw onthat money as they choose - the same freedomwe gave people approaching retirement inApril this year,” Ms Baldwin said.“People who’ve worked hard and saved all

their lives should be trusted to make the rightdecision for them and with the help of theregulator we will ensure these people havethe right information to do that.”The plans will not unwind the contracts

made between annuity holders and their

providers. Instead, the changes will allowannuity holders to access the value of theirannuity where they can find a willing thirdparty buyer. The annuity provider wouldcontinue to pay the annuity payments for thelifetime of the annuity holder, but the pay-ments would be transferred over to the newbuyer.Annuities have been controversial in recent

years due to plunging rates and concernsthat people were not shopping around for thebest deal. But the regular income that theyprovide acts as a guarantee that the annuityholder will not outlive their savings.Gareth Shaw, head of consumer affairs at

Saga Investment Services, said: “Thousandsof people who receive minimal income fromannuities they were forced to buy will benefitfrom these new rules.“Research carried out by Saga found that

58% of people who wanted to sell their annu-ity were receiving such a small income theycould do nothing meaningful with it.”TomMcPhail, head of retirement policy at

Hargreaves Lansdown, said: “This is welcomeconfirmation of a widely expected announce-ment, which will now give millions more pen-sion investors greater flexibility over theirretirement income.

“Selling a guaranteed income will not beright for many people. Access to marketcompetition to secure the best price and suit-able information, guidance and advice shouldhelp to ensure that ordinary investors areprotected and can make the best possible useof their money.”Yvonne Braun, director of long-term

savings policy at the Association of Brit-ish Insurers (ABI), also said that selling anannuity is not something that should not bedone rashly.She said: “It’s therefore essential we see

Pension Wise guidance made available tocover this future market, and we support theextension of the requirement that customersget financial advice when the value of theirannuity is above a certain level.“Getting the framework absolutely right

to provide protection to consumers will becrucial if we are not to store up significantproblems for the future.”Labour pensions spokesman Nick Thomas-

Symonds said: “The principle of extendingfreedom of choice to those who took outannuities is broadly welcome. However, inopening up this market, it is imperative thatthe Government learns from the experienceof the pension freedoms reforms.”




Here at the AdvertisingStandards Authority, wejudge ads on whetherthey’re harmful, misleading,or offensive. Not on whetherthey’re funny, clever orthey look good. Which isjust as well, really.




Office HOURSMon-Fri 9am-5.30pm

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Motors Trade

Motors Wanted

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Volkswagen

SUZUKI ALTO1.1

5dr 04 plate,Silver Met,

Electric Window,Ctrl Locking,

Power Steering,48,000 + miles,Service History,Ideal First Car

£795

Tel:

07970 548810

VOLKSWAGENGOLF 1.9TDI PD

Excellent condition,New Tyres,

Diesel, MoT July 16, FSH,5d, 2003, Mat. Blue,1.9 Engine, 56mpg,VW BBS Wheels,170,000miles,Been Valeted

£1495

07861718445

FORD MONDEO

Blue, 2005,5 Speed Manual Petrol,C/RL, Alarm, Aircon,Alloys, Sunroof, CD.Full service history.6 months MOT.

VGC.

£1,295

01633 891784

HONDA CIVIC1.6I ES

(sr)(a/c) Hatchback 5d1590cc 1998, Red,Petrol, Automatic,

MOT Nov 2016 FSH,

Excellent Runner

£400ono

Tel:

07930 940936

2006FORD MONDEOTDCI 130 LX2000CCDIESEL

All electrical refinements.

Very Good Condition

£1650

Tel:01633 619667

VAUXHALLCORSA

2014 1.0L RedVauxhall CorsaEco-flex 3 door.

1 lady owner. Perfectcondition.

£20 yearly tax.MOT due 2017.

£7,250

Tel:07502 572690

MERCEDESA CLASS

2004 A160cdi,silver, 5spd manual

diesel, 125k, 12monthsMOT, fsh, £30per year

tax, 60mpg,low insurance,

outstanding condition.

£1,500.00

Tel: 01633 420711

FORD FOCUSSilver, 2000,

Long Mot June 2016,5 Speed Manual Petrol,

C/RL, Alarm, ,CD Player, 1.4 Petrol,

£695.00TEL:

07949724497

CITROEN C3

1.3 Engine, 53 plate,CD, EW, PAS,

C/C Bumpers, 4 doorhatchback, MOT Aug 16

£795Tel:07968732514
