Lowes Magazine Issue 115

Make your money work. Best bank & building society accounts Type Amount Provider Account Gross Rate Contact Unrestricted instant access accounts Online 1 £1 + NS&I Direct Saver 1.00% 1 www.nsandi.com Accounts with first year bonus / restrictions

Easy Access Savings Account

Online and telephone

£1+ - £100,000

Saga

0.75% 2

www.saga.co.uk

Fixed rate bonds

1 Year Fixed Term Deposit 2 Year Fixed Term Deposit 3 Year Fixed Term Deposit

Online, telephone or postal

£1,000 - £85,000 QIB (UK)

1.05% www.raisin.co.uk

Online, telephone or postal

£1,000 - £85,000 QIB (UK)

1.25% www.raisin.co.uk

Online, telephone or postal

£1,000 - £85,000 Gatehouse

1.2% www.raisin.co.uk

Notes 1 Can be opened online or by telephone, but must be managed and accessed online. 2 Rate includes 0.2% bonus payable for the first 12 months. Your money is deposited with Goldman Sachs. Only available to those aged 50 and over. An email address is required to open the account be telephone. Measures of inflation - The average change in prices of goods and services over a 12 month period to June 2020 Retail Prices Index (RPI) 1.1% Consumer Prices Index (CPI) 0.6% Sources: Providers’ websites, Office for National Statistics, www.thisismoney.co.uk, www.moneysupermarket.com, www.moneyfacts.co.uk 23/07/20. All accounts subject to terms and conditions.

Helping clients during lockdown AT THE START OF THE COVID-19 PANDEMIC WE were very conscious that some people may not have the support of family members and friends, let alone company at this time. We understood that it can be hard to change to a new normality of online shopping, video conferencing and new ways of communication. Although modern technology has proven to be more than just a blessing during the current crisis we understand that not everyone is as up-to-date with the latest technology. In our last edition of the Lowes magazine we offered support by way of a team of willing volunteers, to anyone who felt they needed assistance. The offer of support was well received and we had several calls requesting help for a variety of matters. These ranged from setting up video conferencing, to creating Facebook accounts to help people connect with family and friends, to solving IT issues with their personal devices and helping to open accounts to arrange grocery deliveries. We are delighted that we have been able to provide this help to those who needed it during this very unusual period. The offer still stands, whilst we can’t perform miracles if there’s something that you think we might be able to help with, why not get in touch – we’re a resourceful bunch and love a challenge as much as we enjoy helping.

Grid n°17736 easy magazine why not try your hand at this issue’s Sudoku. To complete the puzzle fill the grid so that each row, column and 3x3 block contains the numbers 1 to 9. The solution to the puzzle ca be found on page 14. Sudoku When you’ve finished reading the Lowes

1

123 4 5 678 9 1 2 3 4 56 7 8 9

12 3 4 5 678 9 1 2 3 456 7 8 9 1 2 3 45 6 7 8 9 1 234 5 6 789 1 2 3456789 12345678 9

5

8

1 2 3 4 56 7 8 9 1 2 34 5 6 7 89 12 3 4 5 678 9 1 2 3 456 7 8 9 1 2 3 45 6 7 8 9 1 234 5 6 789

12345678 9

6 2

5 1

123 4 5 678 9

12 3 4 5 678 9 1 2 3 456 7 8 9

1 2 3456789 12345678 9

8

123 4 5 678 9 1 2 3 4 56 7 8 9 1 2 34 5 6 7 89 12 3 4 5 678 9 1 2 3 456 7 8 9

1 234 5 6 789 1 2 3456789 12345678 9

8 7 5

12 3 4 5 678 9 1 2 3 456 7 8 9 1 2 3 45 6 7 8 9 1 234 5 6 789 1 2 3456789 12345678 9

1

3

2 4

1 2 3 4 56 7 8 9

12 3 4 5 678 9

1 234 5 6 789 1 2 3456789 12345678 9

4

2

8

4 1

123 4 5 678 9

1 2 34 5 6 7 89

1 2 3 456 7 8 9 1 2 3 45 6 7 8 9

1 2 3456789

1 6

123 4 5 678 9 1 2 3 4 56 7 8 9 1 2 34 5 6 7 89 12 3 4 5 678 9 1 2 3 456 7 8 9

1 2 3456789

7

3

2 5

1 2 3 4 56 7 8 9 1 2 34 5 6 7 89

1 2 3 456 7 8 9 1 2 3 45 6 7 8 9 1 234 5 6 789

A number may not appear twice in the same row or in the same column or in any of the nine 3x3 subregions.

Source: www.printmysudoku.com

If you would like to receive further information on any of the subjects featured in this issue please call: 0191 281 8811 , fax: 0191 281 8365 , e-mail: client@Lowes.co.uk , or write to us at: Freepost LOWES FINANCIAL MANAGEMENT . Lowes ® Financial Management Limited. Registered in England No: 1115681. Authorised and Regulated by the Financial Conduct Authority.

We have all the free sudokus you need! 400 new sudokus every week. Make your own free printable sudoku at www.PrintMySudoku.com

3 Lowes.co.uk