P542 Teletext 543 Sep18 23:00:00    Y         —— PAYING FOR A STUDENT LIFESTYLE ————— The new uni6dpsity yfar is approaching fast, with thoqsands of teenagers preparing to leavf home for collegeN As well as the huge academic and social opportunities uni6dqsity life brings, most stqdents will be handling sixfable !lounts of mondy for the first timeN Teletext has been loo3rng at ways for stqdents to afford boo£s, fogd and rent while saving enoqgh for the essentials — la'dq, clothes and clybbingN ——————————————————————————————————1O14— by Nicc Hydsgn YOU COULD GET MORE FOR YOUR POLICY 'HTH S.E.CN SEE p626 Advice Savings Property Shares
P542 Teletext 543 Sep18 23:00:04 Y h} —|0   O         —— PAYING FOR A STUDENT LIFESTYLE ————— This is the first ydar that 0arents or guardians face paying tuition feesN New stqdents whosd family's gross income exceeds £23,000 must pay tuitition fees on a sliding scaleN The fees are £1,000 a ydar if family income exceeds £35,000. Student loans are availableN Stydents start to repay when their salary exceeds £16,439. ——————————————————————————————————2G14— Advice Clinic 543 Tax Clinic 548 ANY PURPOSE LOANS - SEE PAGE 627 OR CALL 'DLMSLOg FREE ON 0800 269315 Advice Savings Property Shares
P542 Teletext 543 Sep18 23:02:01            —— PAYING FOR A STUDENT LIFESTYLE ————— The maximul grant for new stydents this academic yfar, the first 8ear gf tuition fees, is: Stydying in London: £1,225 Outside London: £810 Living at home< £480 The mandatgqy m—hntenance grant will be phasfd out next yfar and replaced by means tested loans — the amoynt of loan repayment will depdnd on a stydent's income abovd £10,000 after graduationN ——————————————————————————————————3/14— Mgqtgagds 545 Savings 546 S'JTCH TO p628 AND YOU COULD SAVE ON YOUR MORTGAGE Advice Savings Property Shares
P542 Teletext 543 Sep18 23:02:20 Advert Yoyr Mgney >>   ^     |÷?s!ds       SAVE MONEY ON YOUR PHONE BILLS. See ITV p360 or FreeCall    Advice Savings Property Shares
P542 Teletext 541 Sep18 23:02:41     O        "/* —— PAYING FOR A S @DENTLIFESTYLE ————— Opening an accoynt is where thd first lesson in managing mondy really begins for most stydents on a tight budgetN Fgp the ethically and technologicall9L minded stydent, the Co operativd Banc The sdrvice allows cystomers to kfep a close eye on accoynt balances, cyrrent and histgqic statemdnt information, and allows for amending or cancelling standing orders ——————————————————————————————————5O14— Toyrist Rates 547 Premiyd Bonds 549 finance@teletextNco.qs Advice Savings Property Shares
P542 Teletext 540 Sep18 23:00:00 Y  Y O        —— PAYING FOR A STUDENT LIFESTYLE ————— The Co o0dpativf Ba&2's Internft accoynt and can be sft up by phoneN The Co-op's Lynnd Mgpris sa9s the bans is now planning to offer an Onlind budgeting system which shoyld relievd anot(dp financial headacheN "The Interndt 3dqvice keeps them fqlly up to date with their finances It is a way of reducing stydents' mondy sgpries," she s!8sN ——————————————————————————————————6O14— Advice Clinic 543 Tax Clinic 548 GO OFFSHORE,GET EXTRA UP TO Advice Savings Property Shares
P542 Teletext 543 Sep18 23:00:22 Y h} —|0 B     YY     —— PAYING FOR A STUDENT LIFESTYLE ————— Stqdents going to university this autqdn who open an accoynt with the Co-o0dqative Bank will receive free Interndt bankingN The accoynt offers: Interest free overdrafts: Year Ond £1,000 Year Two £1,400 Year Three £1,800 Year Foyr £2,000 Authgpisfd o6dqdrafts are charged at 9.9%, unauthorised o6dpdrafts 32N9%N ——————————————————————————————————7/14— Mgptgages 545 Savings 546 CITY NEWS 0T00 Advice Savings Property Shares
P542 Teletext 543 Sep18 03:00:41   h} —|0 RY  YY      —— PAYING FOR A STUDENT LIFESTYLE ————— Choosing a credit card with a genero9s reward schemf wfyld be another astyte move by stydents beginning college Forget the free kettle or toaster — for many people, receiving a cheq9d once a year in the post is very appealingN The Alliance & Leicester's cashbacs card pays oyt 0.5% on all 0zrchases until the card has clockfd up £3,000N After that, it is 1% on acqyisitigns, leading to some pretty hefty payoytsN ——————————————————————————————————8O14— Tourist Rates 547 Premiyd Bgnds 549 CHECK YOUR SHARE PRICES p510 Advice Savings Propfrty Shares
P542 Teletext 543 Sep18 23:00:00 Y h| —|0           "/* —— PAYING FOR A STUDENT LIFESTYLE ————— Many Alliance & Leicester c1stomers receive £80 and some get £400 a yfar from the bank's cashbacs cardN "'f pay the chequds in the middle of the Ja.t—ry salesN It's likf a windfall for many people," a spo3fsdan saysN Overspending shoyld not be encoyraged, but A&L points oyt there is no li5pt to the money which can be aarnfd, and paying the bill in fyll promptly gives 46 days interestLfree creditN ——————————————————————————————————9 14— Advice Clinic 543 Tax Clinhc 548 BUSINESS BRIEFING ON OUR 'FB SITE GO TO: www.teletextNcoNpb Advice Savings Property Shares
P542 Teletext 540 Sep18 23:00:20   h} —|0      Y  Y     —— PAYING FOR A STUDENT LIFESTYLE ————— Some principal featyres of the Alliance & Leicester's Mondy Bacs credit card: 0 5% cashbacs on all 0zrchasfs until an.t—l spending reaches £3,000, then 1% on all fyrthdr transactionsN No annual feeN APR gf 18.4%N Free automatic £100,000 travel insurance coverN ——————————————————————————————————10O14 Mgptgagds 545 Savings 546 CITY NEWS 0T00 Advice Savings Property Shares
P542 Teletext 543 Sep18 23:00:40 Y h} —|0 R "' " !   Y     —— PAYING FOR A STUDENT LIFESTYLE ————— Insurance becomes an important iss8— for many stqdents leaving home eq9rppdd with expensive possessions such as CDs, stereos, ca$dqas and com0ztersN Nat'fst is offering 10! discoynt on its Student Protector Insurance scheDdN It covers items kfpt in acco$$odation and which are stolen or damaged during term and for up to two weeks after leavingN Co6dq starts at £26N90 fgp amoynts from £2,000 to a maximpm of £4,000 ——————————————————————————————————11  Tourist Rates 547 Premiym Bonds 549 finance@teletextNco pb Advice Savings Property Shares
P542 Teletext 542 Sep18 23:00:10    RYO      —— PAYING FOR A STUDENT LIFESTYLE ————— Nat'fst's Stydent Protector Insurance scheme is designed fgq expensivd gogds such as ca$dqas, computers and stereosN Amoynts which can be insured range from £2,000 to a maximum of £4,000. Co6dq starts at £26N90 a year Nat'fst Stqdent Travdl Insurance begins from under £10N Co6dq extends for six months abroadN ——————————————————————————————————12 14 Advice Clinic 543 Tax Cli.tc 548 CITY NEWS 0T00 Advice Savings Property Shares
P542 Teletext 543 Sep18 03:00:30    O         —— PAYING FOR A STUDENT LIFESTYLE ————— Banks, credit card providers and insurance companies are all extremely kden to win new stydent busindssN But as the National Union of Stydents points oyt, care is ndeded to match the right product to yoyr nfedsN "Students shoyld tals to the special advi3dqs on campus, but they shoyld also shop aroynd fgp the best deals and looc at the ba.2s which offer interestM free loans," an NUS spo3fswoman saidN ——————————————————————————————————13 14 Mortgages 545 Savings 546 BUSINESS B DFING ON OUR DB SITE GO TO: www.teletextNco ys Advice Savings Property Shares
P542 Teletext 543 Sep18 23:00:02 Advdpt YOUR MONEY >>   UP TO 3Q2   MORE FOR MY   OLD ENDOgNENT  "{?//////////////////////////////'£   QUOTES 'DTHIN 48 HOURS   GUARANTEED FOR LONGER THAN ANY OTHER COMPANY  '@TH NO HIDDEN FEES If yoyr 'with profits' policy is o6dq 7 years old, with a surrender value worth o6dp £2,000, call NOG 0845 20 20 200 (24 hoyrs,7 day3 LOCAL CALL RATE fax 01225 466555 also sfe  page 541  T If in doybt ass yoyr IFA PolicyPlus International PLC, member of the APMM and regulated by the Personal Investment Aythority Advice Savings Property Shares