P563ORACLE 563 Mon 6 Jan C4 1713:45  1/5         RATES  Oracle's guide to interest rates. ■ Investment rates If you pay Banks No tax 30% tax Current account No interest paid 7-day deposit account 5¾-6% 5¾-6% High interest savings 8.375% 8.375% High interest cheque 8¼% 8¼% more fgllow1 > Your Money ...560 Feat4re..564 SMALL BUSINESS? WANT TO SELL? 492

P563ORACLE 563 Mon 6 Jan C4 1712:09  2/5         RATES  ■ Investment rates Building societies If you pay No tax 30% tax Share account 7% 7% 7-day account 8½% 8½% 90-day account 9½% 9½% Local authority loans One year 10½% 7.35% (Tel.01-920 0501 after 3.30pm to find out highest rate from local authorities more fgllow1 > Your Money ...560 Feature...564 FANCY A HOLIDAY? HOLIDAY INDEX 580

P563ORACLE 563 Mon 6 Jan C4 1712:22  3/5         RATES  ■ Investment rates National Savings If you pay Certificates No tax 30% tax 31st issue held for 5 years 7.85% 7.85% National Savings Bank Ordinary account 3% 3% Ordinary account with minimum £500 6% 6% Investment account 11½% 8.05% more fgllow1 > Your Money ...560 Feat4re...564 BRITISH RAIL BARGAIN TRAVEL ** 125

P563ORACLE 563 Mon 6 Jan C4 1722:58  4/5         RATES  ■ Investment rates If you pay No tax 30% tax Natignal Savings Income Bonds ─ held 1 year 12% 8.4% National Savings Deposit Bonds ─ held 1 year 12% 8.4% National Savings Yearly Plan ─ Return over 5 yrs 8.19% tax free more fgllow1 > Your Money ...560 Feature ...564 BRITISH AIRWAYS FLIGHT INFO 176(ITV)

P563ORACLE 563 Mon 6 Jan C4 9715:10  5/5         RATES  ■ Interest rates for borrowers Loan Typical cost Bank overdraft 16.4 ─ 27.5% Bank ordinary loan 16.4 ─ 19.8% Bank personal loan 22.8 ─ 23.8% Mortgage rate 12.75 ─ 14.50% Credit card up tg 27.2% Hire purchase 21.6% upwards more fgllow1 > Your Money ...560 Feature ...564 BUYING/SELLING A HOUSE? LOOK AT 497