Lowes Magazine Issue 119

INSIDE TRACK

Advice in divorce IN RECENT YEARS DIVORCING COUPLES have been encouraged to move away from an adversarial approach to divorce proceedings, to avoid unnecessary confrontation. This is especially so since the introduction of the ‘no fault divorce’ legislation in 2020. Instead, both parties are steered towards formal negotiation to reach agreement before any formal court proceedings. With property, pensions and other assets forming the financial aspects of divorce discussions, this can be a complicated area and having an Independent Financial Adviser to provide guidance on these aspects can help achieve a better financial outcome for both parties. Our experienced Lowes Consultants can help in divorce situations. If you would like to talk with one of them please call 0191 281 8811. Your call will be treated with care and confidentiality.

Lowes competition update FOR THIS YEAR’S LOWES COMPETITION WE asked you to predict, to two decimal places, the value of the FSTE 100 at close of the last trading day of 2021. The FTSE started the year at 6460.52. The index has been rising since the beginning of the year and at 30 June 2021, it was 7037.47. If it continues on this trajectory where might it end the year?

FTSE 100 1 Jan - 30 June 2021

7,200 6,800 6,400 6,000

31/01/21 28/02/21 31/03/21 30/04/21 31/05/21 30/06/21

Make your money work. Best bank & building society rates Type Amount Provider

Account

Gross Rate

Contact

Unrestricted instant access accounts Online £1+

Atom Bank

Instant Saver

0.36% 0.50% 1

www.atombank.co.uk

Online

£5,000 +

Charter Savings Bank

Easy Access – Issue 21

www.chartersavingsbank.co.uk

Accounts with first year bonus / restrictions Online £1 - £250,000

www.marcus.co.uk

Marcus by Goldman Sachs

Online Savings Account

0.50% 2 0.50% 2

Online

£1 - £100,000

Saga

Easy Access Savings Account

www.sagasavings.co.uk

Fixed rate bonds Online £1,000 - £1,000,000 Online £1,000 - £100,000 Online £1,000 - £100,000

1.10%

www.gatehousebank.com

Gatehouse Bank

1 Year Fixed Term Green Saver 3 2 Year Fixed Term Savings Account 3 Year Fixed Term Savings Account

JN Bank JN Bank

1.21% www.portal.jnbank.co.uk 1.31% www.portal.jnbank.co.uk

1 Rate drops to 0.10% if balance falls below £5,000. 2 Includes bonus of 0.10%. Rate drops to 0.40% after 12 months. 3 Gatehouse Bank will plant a tree in a UK woodland on your behalf for opening and funding your account. You may also wish to consider Premium bonds offered by National Savings and Investments (NS&I), maximum £50,000. Whilst no guaranteed interest is earned, they do offer the opportunity for tax free winnings. Measures of inflation - The average change in prices of goods and services over a 12 month period to June 2021 Retail Prices Index (RPI) 3.9% Consumer Prices Index (CPI) 2.5% Sources: Providers’ websites, Office for National Statistics, www.thisismoney.co.uk, www.moneysupermarket.com, www.moneyfacts.co.uk 13/07/2021. All accounts subject to terms and conditions.

1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 9 8 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 9 1 2 3 4 5 6 7 8 9 3 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 4 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 2 3 1 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 7 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 3 1 2 3 4 5 6 7 8 9 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 5 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 4 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 9 8 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 1 2 3 4 5 6 7 8 9 1 2 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 3 4 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 9 7 1 2 3 4 5 6 7 8 9 5 1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 2 1 2 3 4 5 6 7 8 9 Grid n°9165 medium A number may not appear twice in the same row or in the same column or in any of the nine 3x3 subregions.

Sudoku We hope you enjoy this mind teaser – our latest Sudoku puzzle. 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 can be found on page 14.

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