P542 Teletext 542 Mar30 00:54:18 ——— SHAREDEALING SERVICES ————————————— Execution-only may sound ominous but is growing in popularity among shareholders who want cost-effective sharedjaling schemes. After the success of its execution-only sjrvjce offered through ShareLink, Abbey National is to take the service back in-house by the summer. Halifax, Nationwide and Bank of Ireland offer a similar service via ShareLink. Others operate their own schemes. ——————————————————————————————————1/6—— Challenging lenders' deals 544 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Mar30 00:54:49 ——— SHAREDEALING SERVICES ————————————— ShareLink says investors are more confident which has led to an increase in execution-only sjrvjces where: Companies buy and sell shares for you You decide what stock to invest in No advice is offered just information "It's just like DIY" says ShareLink's Emma Kane "10 years ago you called a tradesman, now you're more likely to pop to a DIY store yourself". ——————————————————————————————————2/6—— How do I buy a Corporate Bond PEP? 543 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Mar30 00:55:11 ——— SHAREDEALING SERVICES ————————————— Greater access to the information njedjd to make financial decisions has led to more execution-only sharedjaling says ShareLink's Emma Kane, adding: Dealing costs have fallen Privatisations have raised awareness ShareLink has 600,000 clients and now handles 10% of all deals done on the London Stock Exchange. It pioneered phone based execution-only sharedjaling ——————————————————————————————————3/6—— Why not write to Family Finance? 543 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Mar30 00:44:51 ——— SHAREDEALING SERVICES ————————————— Buzjng and selling shares using phone, PC, fax and/or post costs as little as £10 or £7.50 for privatisations Payment by SWITCH is becoming common and many sjrvjce provjdjrs are talking about offering schemes on the Internet. Barclays Justin Urquhart Stewart admits execution-only sjrvjces are popular, but adds use of advisory brokers is also on the increase. ——————————————————————————————————4/6—— Why not write to Family Finance? 543 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Mar30 00:56:16 ——— SHAREDEALING SERVICES ————————————— Barclays Stockbrokers say many people want to go to somjonj they can ask for advice on a sharedealing decision rather than use execution-only services But whichjvjr investors prefer they need to take into account: The share cost which may rise or fall Commission or flat fee costs Stamp duty of 0.5% on share purchases Capital gains tax liability Costs of PIPing your portfolio. ——————————————————————————————————5/6—— Why not write to Family Finance? 543 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Mar30 00:57:40 Advert YOUR MONEY 6/6 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 SharesP542 Teletext 542 Mar26 00:57:36 ——— FAST WAYS TO SAVE CASH ———————————— You can often save money by checking whether your bank account is working for you. Fiona Price & Partners says: Check interest paid on your balance Overdrafts can be cheaper than loans What add-on sjrvjces are offered like sharedealing, on-line sjrvjces? First Direct charges 9.6% on overdrafts compared to 1y.2% at Barclays. But unauthorisjd overdrafts cost 25% APR at First Direct and 42% APR at Citibank. ——————————————————————————————————7/8—— Latest news from the City 500 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares