Chat – 25 July 2019

HAVING AN ISA

3 things toknow

about

reads your week ahead

l Call 0905817 0696*formore

You’reina situationatwork

where the harder you try to pin

things down, the worse they get.

There are new factors and a

previous decision being rejected

in the mix – but nothing’s firm.

Let it all float past you, and wait.

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Is someonewhodisagrees

with you a potential enemy?

Not at all, you say; they’re a

challenge. So, are you trying

to convince them of your

argument or do you just

want to go on a date?

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Youthinkyoucanseewhere

things are going and how they’ll

end up. If you’re okay with

that, sit back and let events

take their course; if not, then

do something about it. It’s not

over unless you want it to be.

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Is ittimeforformerfoestobe

friends? Not quite, and if you’re

honest it never will be – but at

least you see now why they

acted as they did. You respect

each other’s motives, but

you’re still on different sides.

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Whensomeonefromyour

family begs a favour, you can’t

say no, though you can think

of a dozen things you’d rather

do instead. But it’s much less

stressful than you’d imagined;

in fact, it’s quite good fun.

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Enthusiasmcandoalmost

anything, as you will see; it’s

only when the job is done that

you look at it and realise there

was an easier way. But what

you did was good, and you’ll

know for next time, won’t you?

Libra

24 Sep - 23 Oct

Scorpio

24 Oct - 22 Nov

Sagittarius

23 Nov - 21 Dec

Capricorn

22 Dec - 20 Jan

Aquarius

21 Jan - 19 Feb

Pisces

20 Feb - 20 March

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17 July–13

August2019.

SavingsAllowance(PSA)

ofupto£1,000.Basic-rate

taxpayerscanreceiveup

to£1,000a yearinsavings

incometax-free.Coupled

withhigh-interestcurrent

accounts,thetax-free

advantagesofcashISAsmay

notseemsovital,butPSAs

couldeasilybewithdrawn.

lFormoreinformation,visit:

moneyadviceservice.org.uk.

1 What’s

anISA?

AnISAis an

individualsavings

accountthatkeeps

yoursavingsor

investmentsfree

oftax.Youcanput

upto£20,000each

taxyearinanISA.

2 Whatare

therules

aboutISAs?

Everytaxyear

youcanputmoney

intooneofeachkindofISA,

spreadingyour£20,000

annualallowancebetween

them.So,youcansaveup

to£20,000inonecashISA,

orsplitsomeorallofthat

betweena fewdifferent

ISAs,suchasonestocksand

sharesISAandanotherkind,

likeaninnovativefinanceISA.

3 Possible

long-termbenefits

In2016,thegovernment

broughtinthePersonal

Didyou

know?

Thenumberof

peoplemaking

falseinsurance

claimshassoared

by27%ina

year,according

toCIFAS.The

biggestrisewas

inhousehold

insurancefraud,

up52%in 2018

comparedto2017.

TOP TIP

Ifyouseeaderelict

houseinLondon

ortheHomeCounties,

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ifyou’rethefirst

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ittoyouspotproperty.

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Ourconsumerlifestyleteamarehere

tomakeyourmoneygofurther

WORDS:

REBECCA GAMBLE. PHOTOS (POSED BY MODEL): GETTY

CASH SMART

35

company’snetworkaccesschargeandlastaround4 mins. For entertainment

the bill payer’s permission. SP: Spoke 0333 202 3390.

OF THE

WEEK

SAVING