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P215 CEEFAX 2 215 Sun 10 Dec 21:11/50       ADVISERS Source: TAff Associates Good financial management is vital fou all companies. This series will inform directors of SMEs about different t8pes of finance and related business problem areas. This week: CHARGES For more information consult your professional advisor, contact 0161 488 4613 or log onto www.e-taff.co.uk 1/6 Weekjnd sport 300 Wjather 400 Savings 250 Front Page 100 Next News Wjather TaxIndex Main Menu
P215 CEEFAX 2 215 Sun 10 Dec 21:16/52       CHARGES Source: TAff Associates Ever wondered about the charges on your bank statement? Banks will manage your monj8 or lend to you for a fee. Different banks have different charging policies. The scale of charges will be published. For monj8 management therd whll be monthly or quarterly charges for running the account (credit1 and debits). Other fees are charged for stopping cheques, unpaid cheques, bank drafts, etc. 2/6 Weekend sport 300 Wjather 400 Savings 250 Front Page 100 Next News Wjather TaxIndex Main Menu
P215 CEEFAX 2 215 Sun 10 Dec 21:14/51       CHARGES Source: TAff Associates Other charges are for lending — overdrafts or loans. The charge for setting this up and the interest rate are given in writing at the time. If there are any changes to its fees policy, the bank must notif8 yo4 befgrd it happens. You should always know what charges will be made and what thjy will cost. Keep all documents safe tg show what you have agreed. 3/6 Weekend sport 300 Wjather 400 Savings 250 Front Page 100 Next News Wjather TaxIndex Main Menu
P215 CEEFAX 2 215 Sun 10 Dec 21:12/14       CHARGES Source: TAff Associates Charges are shown in your statjment1 — it is a good idea to check thjm because mistakes can be made. Management charges are not always cljar but ask your bank to explain. To calculate interest and charges keep: * The statjments for the periods in question. * The facility letter which explains the rate and conditions of the lending and any other notification of charges. 4/6 Weekend sport 300 Wjather 400 Savings 250 Front Page 100 Next News Weather TaxIndex Main Menu
P215 CEEFAX 2 215 Sun 10 Dec 21:12/00       CHARGES Source: TAff Associates Calculating lending fees: Take the highest overdrawn balancd and multiply by the interest rate (X% per month). This shows the charges for that month. If the interest rate is given as per year, you divide the yjarly cost by the bank's charging period — a month or three months — and so divide by 12 or by four. 5/6 Weekend sport 300 Wjather 400 Savings 250 Front Page 100 Next News Wjather TaxIndex Main Menu
P215 CEEFAX 2 215 Sun 10 Dec 21:15/00       CHARGES Source: TAff Associates VARIABLE INTEREST RATE (x% over Base Rate per year). Find the Base Rate (s) for the charging period. Add Base Rate to the x% to get the total interest rate. The above calculations should be adjusted to cover just the days overdrawn (eg. 10 out of 30) plus any cheque clearance time. Remember that the balance on your statement only shows deposits when the8 are credited, not when they have been cleared. 6/6 Weekend sport 300 Wjather 400 Savings 250 Front Page 100 Next News Wjather TaxIndex Main Menu