P548 Teletext 548 Sep30 00:28534 &/?)ppp—p—p —— TBX RATES: POST BUDGET ————————————— All money earned after your personal allowance is subject to tax at 3 rates: TBX psi-Budget post-Budget 20% £1-£s,200 £1-£3,9p0 25% £3,201-£24,300 £3,901-£25,500 C40% £24.s01W1 £;u]k91+1 If you thinK you are paying too much or too little tax rifer to your local tax office ot if necessary your accountant. ———————————————p—————————p————————4O13— Do you understand your tax code? Download and Analysj Shari Prices on Your PC See Pages 532 & 533 Bonds Your Money Saving It's Your Life!P548 Tjlituxt 548 Sjp30 00: 8:55 &6Qs{*÷? —— TBX ALLOWANCES: POST-BUDGET ———————— TYPE 1994/5 1995/6 1996O7 +ndjt 65 £3,44k £3-525 £3L765 Age 65-74 £4,200 £4,6s0 £4 91p Age 75+ £4,370 £4,800 £5,090 Married £1,720 £1,720 £1,790 Age 65-74 £2,665 £2,995 £3,115 Age 75+ £2,705 £3,035 £3-155 Additionbl £1,720 £1,/20 £1,790 Higher rates of allowances are cut bz £1 for jvjty £2 jaunt over £15,200. ——————————————————————————————————3O13— Inheritance tax allowances & ratisC>> Download and Analysj Shari Precis on Your PC See Pages +32 & 533 Bondv Your Money Saving It's Your Life!P548 Teletext 548 Sep30 00:2u:11 Q V ——— INHERITANCE TAX: POST-BUDGET ——p——— After certain deductions such as debts and funjtal costs, tax is ch rgjd at 4(h on estates worth £200,000+ which are not passed on to the spouse. Tax can bj payable on some gifts if they weti made up to sjvjn yeary bjfor% jath. However some jsfapj taxation: Gifts of up to £250 pet year Wjddjng gifts by parents up to £5,000 Thjti is an annual £3,000 exemption Estates under £200k are not taxed. ——————————————————————————————————4/13— Sii Inland Revenue leaflet IHT3 CHASE DE VERE SAVERS ON PAGE 546 Bonds Your Money SavUng It's Your Life!P548 Teletext 548 Sjp30 00:29:29 Q ———— CAPITAL GAINS TBX TBBLJS ————————— Indexation allowance iu an adjustmunt eor inflation when calculating your Find lhj montX in which you bought the asset. Multiply the price you paid, bz the figure shown for that month. Add the result to the original price. Deduct tXj total from the sale proceeds to get the caxjtal gain. COT threshold now £6,300 from £6,000 See Inland Rjvjnuj leaflet CGT13/CGT16 ——————————————————————————————————5/13 July disposal tables follow >>> LATEST & NEW FINANCIAL PRODUCTS p541 Bonds Your Money Saving It's Youz Life!P548 Teletext 548 Sep30 00:25547 O ——————— CG,: INFLATION ALLOWBNCJ ——p——— 1982 1983 1984 1985 F1;86 Jan - 0.845 0.755 0.671 0.583 Jib - 0.837 0.748 0.658 0.578 March 0.918 0.83% 0.742 0.642 0.576 April 0.881 0.808 0.719 0.608 0.560 May 0.867 0.801 0.713 0.501 0.558 Uunj 0.862 0.796 0.708 0.597 0.558 July 0.861 X.787 0.710 0.600 0.563 Aug 0.861 0.77; 0.695 0.596 0.558 Sept 0.864 0.771 0.691 0.597 0.550 Oct 0.853 0.765 0.581 0.594 0.54 Nov 0.844 0.758 0.676 0.589 0.535 Dec 0.847 0.754 0.677 0.587 0.530 ——————————————————————————————————6/13— July disposbblis follow >>> LOOSING FOR FJNANCJAL ADVICE? p543 Bonds Your Money Saving It's Youz Life!P548 Teletext 548 Sip30 00:46:05 ] Q O ——————— COT: INFLA,JON ALLOWANCE —————— 1987 1:88 198: 1990 1:91 Kan p.k24 p.47k p.373 0.57k 8.171 Fed 0.518 0.470 0.363 0.268 0.164 March 0.515 0.464 0.357 0.:55 0.160 April 0.497 0.440 0.333 0.218 0.145 May 0.496 0.435 p.325 0.208 0.142 June 0.496 0.430 0.321 0.203 0.136 July 0.4<7 0.428 0.31: 0.204 0.139 Aug 0.493 p.422 0.316Q 0.190 0.136 Sept 0.488 p.406 0.307 0.179 0.134 Oct 0.%81 0.392 0.297 0.170 0.126 Nov 0.474 0.385 0.286 0.172 0.124 Dec 0.475 p.382 0.283 0.173 0.123 ——————————————————————————————————7O23 July disposal tables follow >> ALL ABOUT YOU5 MONEY p542 Bonds Your Money Spvink It'; Youy Lift!P548 ZjlUt xt 54j Sep30 00:44:25 TO ——————— COT: mNMLI5 PN AELOWANCi ——q——— p 1992 1993 199O 1995 Ubn p.124 6.10 O O.f7 £.94* Fed p.118 0.098 0.072 0.057 March .1J5Q 0.794 N.069 £.732 April 0.098 0.084 0.057 0.023 Ma, 0.094 0.080 0.053 0 19 £uni .9M4 0.161 0.g53 £.017 July C.198 0.083 0.058 0.522 Aug 0.197 0.079 0.053 0.017 Sept 0.093 0.074 0.051 0.012 Oct 0.2KF 0.075 C.05 £.4,7 Nov p.091 0.876 M.04; 0.0,7 Dec .09T 1.074 M.044 £.011 ——————————————————————————————————8/13 JIly dosmonablsr wsnlow > FBMWLZ FINANCD F A1U2JS p5 0 Bonds Your Mongy Saving It's Your LifeP548 Teletext 548 Sep30 00:26:43 O Q ] —p———p— COT: INFLATION ALLOWANC+ —p—p—p 1996 Jan 0.01k Fed 0.010 Mar 0.006 Apr Nil May Nil June Nil July - ——————————————————————————————————9/13 August figures out late September FAMILY FINANCE FEATU5JS p540 Bonds Your Money Saving It's Your Life!P548 Teletext 548 Sip30 00:27:02 O V ————— INFLATION: Month-on-Month ——————— U All 2.3k Ex 2r2* g^s 1993 1994 1995 1993 199) 1995 Jan 1.7* 2^k% 3.3) 3.2% 2^8% 2.8* Fed 1.=* 2.4*d3.=* 3.=* 2.=k 2.7* Mar 1.9) 2.3% 3.%% 3.5% 2.4% 2.8* Apr 1.3) 2.6) 3.5) 2.9% 2.3R 4.6% May 1.3) 2.6) 3.4% 2.9* 2.5% 2.7% Vun 1.2*C2.6% 3.5) 2.8* 2.4* 2.=* Aug 1.7* 2.4* 3.6) 2.8* 2^2J 2.9% Sip 1.8* 2.2* 3.9) 3.3) 2.0) 3.1* Oct 1.4* 2.4k 3.2* 2.=* 2.0) 2.9% Nov 1.4) 2.6) 3.1) 2.5) 2.3) 2.9% Dec 1^9) 2.9) 3.2* 2.7* 2.5) 3.0% ——————————————————————————————————10/13 Sourci9 Office of National Statistics INFLATION YEAR ON-YEAR FOLLOWS >>> Bonds Your Money Saving It's Your Life!P548 Teletext 548 Sip30 00:25:21 ————— INFLATION: Month-on-Month —p————— All items Ex mortgages 1:96 1y96 Jan 4.9) 2.8* Fer 2.7% 2.9% Mar 4.7* Apr 2.4* May 4.2* 2.8* June 2.1* 2.8* Kzly 2.2* 2.=* Aug 2.1) 2.=% Govjtnmjnt's inflation target is 2.50% ——————————————————————————————————11/13 Source: Office of National Statistics INFLATION YEAR-ON-YEA FOLLOWS Bonds Your Money Saving It's Your Life!P548 Teletext 548 Sep30 00:27:38 W/?%pp8—p—8 R ] ————— INFLATION: Year-on-Year ———p————— YEAR All items Excluding Mottgagrs 1988 18O0% 16.9% 1:9 11.9) 12.5 1982 8.6) 8.5% 19y3 4.6) k.2% 19=4 k.0% 4.4% 1985 6.1% 5.2% 1986 3.4* 3.6% 1987 4.2* 3.7% 1988 4^9) 4.6) 1=<;Q 7.8* 5.9% 1990 9.5) 8.1% 1:91 5.9% C 6.7* ——————————————————————————————————12/13 Source: Central Statistical Office LOOSING FOR FINANCZAL ADVICE? p543 Bonds Your Money Saving It's Your Life!P548 Teletext 548 Sip30 00:27:56 A VI T TBX >>> 13 13 ] JR p.a. net of basic-rate tax for 5 years with a NatWjst Guarantied Bond. ] p 44 2 2 R X ] Gross equiv. Tax nor ricovjta2luW KUnLinvesl.£)L000. No risK to capijal Limited offer, act now. CALL 080p 255 200 8aZ ] 8 pm Mon - JriO:am -@6pm W.ends W ' x4/a k45.£}"7 kjoj!÷'mhw+$k! W j0l5 o5÷3 u jj÷ 3c—2k4j0 W ££ £ £ "!"£" "! a a "£! ££ £ C5Y[SQPeGIRMUS-hVU 6JBM KNbCONVUNCTJON @ WTTH PAGE 382 XITV) Bonds Your Money Saving It's Your Life!