P542 Teletext 542 Jan 7 01:28:24 ———— HOW BEST TO SAVE IN 1995 ————————— Keen to save money in 1995? Amanda Davidson, an indjpjndjnt financial adviser with Holden Meehan, has the following tips: buy a PEP early, before the end of the tax year in April. Many allow monthly investments of about £20. get your pension organisjd. ——————————————————————————————————1/6—— Current tax allowances 1994/5 548 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus IndexP542 Teletext 542 Jan 7 01:44:12 ———— HOW BEST TO SAVE IN 1995 ————————— Many higher tax taxpayers still hold money in building societies when their partner is a nil, or basic rate tax payer, points out IFA Amanda Davidson. Move the money over to your partner to capitalisj on his/her allowance. Consider making additional voluntary contributions - AVCs - to "top up" your pension fund. You get tax relief at your highest tax rate. ——————————————————————————————————2/6—— Grants for property entrepreneurs 544 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus IndexP542 Teletext 542 Jan 7 01:45:54 ———— HOW BEST TO SAVE IN 1995 ————————— You can now invest up to £270 a year tax free in a Friendly Society, says IFA Amanda Davidson. S Savers should aim for "an appropriate balance between fixed interest bond and equity-based savings", says Save and Prosper. Asian and European equities offer excellent gains in 1995, it adds. ——————————————————————————————————3/6—— More news for C&G investors 543 DOWNLOAD SHARES ON YOUR PC p532/533 Advice Savings Property plus IndexP542 Teletext 542 Jan 7 01:44:31 ———— HOW BEST TO SAVE IN 1995 ————————— If you're a beginner in the saving game Amanda Davidson suggests you opt for: building society postal accounts - they pay higher interest TESSAs - offering tax-free returns after five years National Savings Certs - after five years , uaranteed return is 3% over inflation, tax-free. ——————————————————————————————————4/6—— Pick of the mortgage rates 545 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus IndexP542 Teletext 542 Jan 7 01:36:18 ———— HOW BEST TO SAVE IN 1995 ————————— National Savings Income Bonds are a good way to save for non tax-payers, says IFA Amanda Davidson. Interest is competitive and paid gross. Guaranteed Income Bonds offer a guaranteed rate of interest for a fixed term. Guaranteed Investment Bonds give you interest or a percentage of growth in the stock market. ——————————————————————————————————5/6—— Savings rates 546 Jobfindjr 649 DOWNLOAD SHARES ON YOUR PC p532/533 Advice Savings Property plus IndexP542 Teletext 542 Jan 7 01:34:51 Advert YOUR MONEY6/6>> Mid-Term Endowment Policy Specialists Thinking of surrendering your With-Profits Endowment Policy? TRY US FIRST - WE MAY OFFER BETTER VALUE POLICY PLUS CAN SOMETIMES OFFER UP TO 35% MORE THAN SURRENDER VALUE THE DIFFERENCE CAN BE POSITIVELY DRAMATIC FOR FULL DETAILS CALL: 0225 466466 (THIS IS A 24 HOUR SERVICE) POLICY PLUS INTERNATIONAL PLC is a member of F.I.M.B.R.A. Advice Savings Property plus Index