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■2015年04月12日日曜日 11時44分08秒

8 December 2014A garden centre advertising for a cook told applicants who claim benefits that their CV would be put in the bin.A spokesman said the views expressed by the member of staff on Facebook did not represent the view of the company.500 on her birthday. generally resorting to a Halifax regular saver account and rolling each year's balance into a fixed rate bond. This has resulted in a mess of small accounts and since Halifax has removed them from online banking status they have become impossible to manage Fed up with awful rates for children's savings and difficult conditions I have scoured the high street but found nothing better than stuffing money in a mattressWhere can I find a long-term (12-15 years) savings product for her which I can add to on a regular basis pays a decent rate and is low risk PW Emily Spaven of This is Money replies: All children born from September 1 2002 to January 2 2011 received between 50 and 500 free from the government to save in a Child Trust Fund (CTF)A holder of a CTF or their friends or relatives can add up to 3600 per year into the fund and the money will earn tax-free interest Money put into a CTF is locked away and cannot be accessed until the holder's 18th birthday Junior Isas were launched in November 2011 replacing CTFs and marking a key development in the landscape of children's savingsThe only problem is those with a CTF cannot open a Junior Isa as well and there are unfortunately for you a lot more of this type of account on the marketYou say you currently save into a then transfer the balance to a Kid's Fixed Saver with an interest rate of up to 25 per cent AER at the end of the yearYou could instead pay straight into a CTF Currently the CTF with the highest interest rate is from The other option of course is to invest for her With a long time-span this has the potential to reap far richer rewards than current low savings rates You can do this with a low risk approach to try and protect her money I asked an investment expert to explain your other optionsJohn Newlands head of investment company research at Brewin Dolphin said: Drip-feeding into a globally diversified investment trust would be an ideal way to build up a nest egg over a period of 12-15 years By their very nature however stock market returns are fluctuating beasts You need to understand that the concept of a regular return or good rate of interest would not apply here ?C it is the long-term total return that would count On the other hand the net reinvestment of dividends adds a sort of compound interest effect that enhances the overall investment return I would suggest a large generalist vehicle such as or would be suitable for this Alternatively something from the smaller companies arena could fit the bill such as or the BlackRock-run Kevin Mountford head of banking at MoneySupermarket has this advice for those struggling to save money for their children: There is great pressure on households when it comes to savings Many parents will find it increasingly difficult to prioritise any available cash for their own savings never mind thinking about their child's savings pot and longer term savings goals such as university fees When approaching saving for children the key thing to remember is that every little bit helps It may not be a popular move but you could replace some of the money spent on toys and gifts to put a little bit more aside for savings ?C it will pay off further down the lineSavers must not feel disheartened but try to do everything in their power to generate better returns There is hope that children's savings will overcome the impact of inflation in time so savers should be reassured that keeping money in a savings account in the longer term is better than cash under the mattress We had such a disappointing day yesterday (losing to Turkey) and everyone was very flat leaving the courts,"It was an amazing day. with 17-year-old Verstappen partnering 20-year-old Spaniard Carlos Sainz.Toro Rosso unveil new STR10 and set their rookie drivers the ambitious target of fifth place in constructors' championshipBy Published: 20:37 GMT appears too briefly in the first half as Juliet??s rugger-bugger boyfriend.Tamara Harvey??s production opens cleverly.
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■2015年04月12日日曜日 05時04分59秒

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■2015年04月12日日曜日 01時54分26秒

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■2015年04月11日土曜日 23時01分03秒

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■2015年04月11日土曜日 22時54分09秒

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■2015年04月11日土曜日 22時47分47秒

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■2015年04月11日土曜日 22時42分56秒

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■2015年04月09日木曜日 14時41分42秒

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