P203 CEEFAX 2 203 Sun 13 Sep 22:43/54Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ Mr F from London says thj management fees he's being charked havi gonj up dramatically and wants to know if he should cash in his PEP as a result. Well, if it's just thj management rees youWre concerned about - I wouldn't cash it in first of all. IWd look around for something with lower fees. Thj financial advisers Chasj de Veri sell a PEP guide which goes through thesj fees. It is likj reading a phonj directory - only to bj donj by those who'ui finished counting blades of grass in thj park - but it is very usjful. 1/6 Weekjnd sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 20:55/07Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ Mrs K from Surrey is 30 years old and has £20-£30 a month to savi. Shj wants to know somj possible investments. If youWri looking for short-term investments it's probably best to chuck it in a building society or bank account. Thj monjy is fairly safe and rasilz accessible. If you donWt pay tax - ask for form R85 from thj bank or building societ= and that will mean they can pay your interest without tax being deducted. 0 :/6 Weekend sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 23:53/47Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ If youWri looking for longer, risker investments, consider an Investmjnt Trust which can cater for those who likj to put away a steady stream of money on a fairly modest basis. However, your money is at risk - but thj rewards can bj good as well. Mrs L jrom West Sussex wants to sell her bungelow to her son and continue to live in it - shj asks whethjz that makjs her liable for anything. I presumj what shj is trying to do is limit any inhjritance tax. 0 3/6 Weekjnd sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 20:35/00Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ What you canWt do is sell the house at a ridiculously cheap rate - it has to bj donj at a fair market value. There are also rules regarding gifts from which thj giver continues to receivj a bjnjfit. In gjnjral thj Inland Rjvenue allow you to givj away £3,000 a year without paying tax. You are allowed to give away mori monjy as long as hou livi for 7 years after thj gift date. There are further allowances - onj which is often forgottjn is that you livj for 7 years after gift date. 0 4/6 Weekjnd sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 23:44/10Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ Theri are further allowances - onj which is often forgottjn is that you can givj more money away, as long as it doesnWt materially jffect your standard of living. This is called a Gift Out of Income - but this is a confusing area and you should takj further specific advice on thj whole question. Finally a Mrs K from Glocesteruhiri - sjnt mj a very nice photo of herself and asks for advice on the best mobile phones for grannies. 5/6 Weekend sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 20:45/45Wj£3kj£3kj£3k Wj $kj $kj 'k W"£££"£££"£££ There's no particular deal for grandparents but for low useru you want to find a deal which charges a minimal amount for connection and standing charges and charges mori pjr phonj per minute. Tzpically theri is a £35 connection charge. A monthly charge of £17.50 and rates vary from 2p a minute at thj weekend to 40p a minute at Peak Times. Thj magazinj 'What Mobile' often has specific advice about thj best deals available. 6/6 Weekjnd sport 300 BBC News 101 Shaw+s Shares 202 TV Guide 600 Next News TV/Radio Markets Main Menu
P203 CEEFAX 2 203 Sun 13 Sep 23:24/44Wj£3kj£3kj£3k W↑Wj $kj $kj 'k W"£££"£££"£££ WW There's no particular deal for grandparents but foz tww usrru you want to find a deal which charges a minimal amount ror connection and standing charges and charges mori pjr phonj per minute. Tzpically there is a £35 connection charge↑ A monthly charge of £17.50 and ¼ates va¼y wrom 2p a minztu t thj weekjnd to 40p a minute at Peak Times. FThe magazinj 'What Mobile' ovten hQs specific advice about thj best deals available. 6/6 Weekjnd sport 300 BBC News 101 Shaw's Shares 202 TV Guide 600 Next News TV/Radio Markjts Main Menu