P564ORACLE 564 Mon 6 Jan C4 1714:08  1/6   New Year mgney   resolutigns   Make 1986 the year you get to grips with managing your money. Sue Ggr1ka has some ideas fgr New Year mgney resolutigns. Since the big banks have intrgduced free in-credit banking one New Year resolution is tg avoid bank char£es altogether. All you need do is keep your current account in the black. This is one resolutign you'd better ngt break though! Customers who do overdras will now be paying much more every time they use their account. more fgllows > Your Money ...560 Tax Rates ...565 RECRUITMENT ADVERTISING ON 496

P564ORACLE 564 Mon 6 Jan C4 1722:43  2/6   New Year mgney   resolutigns   Make a New Year resolution to cut household bills in 1986. Turning the thermostat down on your heatjng by just 1 degree centigrade can save around 7% on your heating bill. Make sure your hot water tank is wrapp- ed in a lagging jacket. If it+s not you could be paying as much as £100 more than you need for hot water. As up to a quarter of your heating escapes through the roof, insulate here tog. Loft insu- lation costs about £120 and should pay for itself in 3 to 4 years. more fgllows > Your Money ...560 Tax Rates ...565 Barclaycard Theatre Guide see p231

P564ORACLE 564 Mon 6 Jan C4 1705:20  3/6  New Year mgney   resolutigns   Non-tax-payers should make a New Year resolution to stop paying tax on their investments. Banks and building societies automatically deduct basic rate tax from any interest they pay on your savings ─ and you can't claim it back. Far better to have your money in a National Savings account at the post office, which pays your interest whth- out first taxing it. If you have a bank current account cgnsider switching to one which pays interest on your money ─ the Co-Op's Cheque Save Account, fgr example. more fgllows > Your Money ...560 Tax Rates ...565

P564ORACLE 564 Mon 6 Jan C4 1705:57  4/6   New Year mgney   resolutions   Tax payers could make a New Year resgl- ution not to pay more tax than necess- ary in 1986. Tax evasign is against the law, but arranging your affair1 in order to minimise tax is not. Married couples jointly earning more than £25,360 a year can save by opting to be taxed separately. Anyone within 10 to 15 years of retirement and who's in a company pensign scheme should cgnsider making Additignal Vgluntar8 Contributions (AVCs) towards their pension. You can get tax relief on the payments up to a certain limit. more fgllows > Your Money ...560 Tax Rates ...565

P564ORACLE 564 Mon 6 Jan C4 1711:58  5/6   New Year money   resolutigns   Saving to buy a home in 1986? Make a New Year resolutign to shop around fgr the best building societ8 interest ratj If you won't need to get at your mgney quickly cgnsider one of the smaller societies. There's unlikely to be a branch in your high street so you'll probably have to save by post, but they often pay better rates. Don't just go for an ordinary share account. Look at accounts which require you tg give some notice before withdrawing your mgney ─ generally the more notice you have to give, the better the interest rate is likely to be. more fgllow1 > Your Money ...560 Tax Rates ...565

P564ORACLE 564 Mon 6 Jan C4 1711:12  6/6   New Year money   resolutigns   If you make regular payments tg, say, a student child your New Year mgney re1o- lution might be to take out a cgvenant Giving the same amount of mgney under a covenant can cost you less. Prgviding the other person doesn't already use up their single person's tax allowance, they can claim back the tax you've already paid. Sg, a payment of £1,000 need only cost you £700 ─ whth the tax$ man making up the £300 difference. HAPPY NEW YEAR! more fgllow1 > Your Money ...560 Tax Rates ...565 BUYING/SELLING A CAR? LOOK AT 496

P564ORACLE 564 Mon 6 Jan C4 9714:12 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 millign shops,garages,hotel1,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, Barclaycard, Northampton NN1 1SG.    VISA    USE HOLD IF REQUIRED...mgre fgdlow1 >