P542 Teletext 542 Aug 6 02:12:03 ] ——— STUDENT ACCOUNTS —————————————————— New students must shop around for a bank with branches on or near campus, and student advisers, says the National Union of Students. It's important not to wait until you get to college to seek a bank's advice on budgeting. Keep all debts with one lender. Free overdrafts do not have to bj used! You must still pay them back. ——————————————————————————————————1/7—— Home swaps buck fall in prices 544 DOWNLOAD SHAKES ON YOUR PC p532/533 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:19:28 ——— STUDENT ACCOUNTS —————————————————— Don't bj swayed bz banks' free gifts - weigh up the total package, says the National Union of Students. NUS' Christina Demjtriou says students must check overdraft charges. Exceed your "free overdraft" and you face interest rates from 6.2% to 29.5%. If you're broke and won't use a bank, try the student Credit Action Helpline on 0800 591 084. ——————————————————————————————————2/7—— News from the universities 666 GREAT OFFSHORE RATES FROM YORSSHIRJ GUERNSEY SEE p539 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:06:22 ——— STUDENT ACCOUNTS —————————————————— Overdraft facilities for new students have been upgraded: Barclays: £750-1,000 free Student £40 cash gift Bank 170 student advisers Account free debit card 2.5% interest if in credit TUB's: £500 free overdraft Student 10 £2-off cinema vouchers Account 3.5% interest if in credit ——————————————————————————————————3/7—— Go Green! 460 Fun & Games 450 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:13:13 ——— STUDENT ACCOUNTS —————————————————— NatWjst offers students overdrafts free up to £750, 2% interest on balances in credit, a £20 gift and 350 advisers. Lloyds: £400-800 overdraft free Access card £16 railcard or £25 cash Midland £500-900 free overdraft 3% interest if in credit free Visa card 202 student finance advisers All but TUB offer commission-free travellers chjqujs and foreign money. ——————————————————————————————————4/7—— Latest city news 501 Money News 541 WHY MY SAVINGS EARN SO MUCH? p543 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:41:11 ——— STUDENT ACCOUNTS —————————————————— $hj Co-Op Bank, Bank of Scotland and Royal Bank of Scotland don't charge students interest on overdrafts while the Halifax offers: £1,000 interest-free overdraft 4.25% interest on credit balances 11.2* interest on excess borrowing Barclays charges 20.1% interest on unauthorisjd excess overdrafts, Midland 26% and NatWjst a whopping 33.8% - so it's worth checking this. ——————————————————————————————————5/7—— Why not write to our Advice Clinic 543 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:15:58 ——— STUDENT ACCOUNTS —————————————————— Barclays' 1995 Student Debt survey has sobering facts for those tempted to spend rather than budget. It found: £2,293 is an average graduate debt, up 14% on 1994 only 19% stay debt-free in college more students now take student loans 34% say parents provide most cash 65% are resigned to having a debt 30% take up part-time work at college to supplement their income. ——————————————————————————————————6/7—— Teletext Education pages start 660 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug 6 02:18:24 Advert YOUR MONEY 7/7 CASHING IN YOUR ENDOWMENT? It could bj worth A LOT more than you think. Surrendering to the life office is not your only option. If your policy is suitable for sale it could bj worth up to 35% more bz selling it to POLICY PLUS CALL US NOW ON 01225 466 466 if your policy is: £ A With-Profits Endowment £ Worth over £1,500 surrender value. £ At least 25% through its term (min 5 years) THIS IS A 24-HOUR SERVICE. POLICY PLUS INTERNATIONAL PLC is regulated bz the Personal Investment Authority Advice Savings Property Plus Shares