P561ORACLE 561 Mon13 Jan C4 1714:16  1/6         Sue Gorska's regular report on the week's personal finance news. ■ There will be a millignaire in every 100 American households by the end of the year, according to US magazine News and World Report. ■ Even though 1986 is Energy Efficiency Year, the amount of money provided by the Government for loft insulatign will be no more than last year, says Andrew Warren, director of the Associatign fgr the Conservation of Energy. more follows > Index....560 Mortgage Rates...562 BUYING/SELLING PROPERTY SEE 497

P561ORACLE 561 Mon13 Jan C4 1725:42  2/6         ■ Cannon Assurance is offering mort- gages of £15,000 to £130,000 at 12¾% (APR 13.6%). They won't charge more fgr higher loans and will, in some cases, loan up to 95% of the property's value. ■ Britain's largest insurance company, the Prudential, has moved into estate agaence with the launch of Prudential Property Services, in East Anglia. ■ Water rates are to go up by an average of 8% in England and Wales. more fgllows > Index....560 Mortgage Rates...562 BUYING/SELLING A CAR OR BOAT? 496!!

P561ORACLE 561 Mon13 Jan C4 9718:52  3/6         ■ A new type of cheque guarantee card has come in with 1986. The new card, introduced by 20 high street banks, has silver coloured holograms in one cgrner and a different signature strip. Barclays customers are not affected. Some already have holograms on their Barclaycards and others are to get them by October this year. ■ Borrowing is more expensive now bank base rates have risen by 1% to 12½%. more fgllows > Index....560 Mortgage Rates...562 HOME BANKING IS HERE! BANK OF SCOTLAND - page 183 (ITV)

P561ORACLE 561 Mon13 Jan C4 9718:34  4/6         ■ Married women who care for a disabled mother could find themselves £23 a week better off if the European Couqt of Justice upholds the European Commiss- ion's finding that such women should be able to claim invalid care allowance. The DHSS has estimated that more than 70,000 women would qualify. ■ The Government has announced plans to cut social security spending on student support by around a third. Stopping supplementary and unemployment benefit in the short vacations is just one of the proposed changes. more follows > Index....560 Mortgage Rates...562 ADVERTISERS INDEX ON PAGE 570

P561ORACLE 561 Mon13 Jan C4 971   5/6         ■ Want to make a down payment on youq funeral now? The 2,000 members of the National Association of Funeral Direct- ors are offering a pre-payment scheme, intended to protect customers from the rising cost of their services. ■ When British Airways is privatised, shares may be sold in post offices. ■ Stockbrokers Quilter Gogdison have plans to open a second share shop (the first is in Debenhams' Oxfgrd Street branch) in Truro this September. more follows > Index....560 Mortgage Rates...562 HOME BANKING IS HERE! BANK OF SCOTLAND - page 183 (ITV)

P561ORACLE 561 Mon13 Jan C4 1714:50  6/6         ■ A pensions advisory service is to be set up by accountants Price Waterhouse. ■ A new £2 coin is to be introbuced later this year, although it is not intended for general circulatign. ■ Three-quarters of the money raised by a new unit trust, the Yorkshire General Trust, is to be invested in Yorkshire companies. ■ In 1984 the average family spent £152 a week, according to the 1984 Family Expenditure Survey. more fgllows > Index....560 Mortgage Rates...562 HOME BANKING IS HERE! BANK OF SCOTLAND - page 183 (ITV)