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debt}&lpos={trail}{5}">Borrowing</a></li> <li><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/consumer-affairs" name="&lid={crumbNavigation}{Consumer affairs}&lpos={trail}{6}">Consumer news</a></li> <li><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/insurance" name="&lid={crumbNavigation}{Insurance}&lpos={trail}{7}">Insurance</a></li> <li><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/work-and-careers" name="&lid={crumbNavigation}{Work &amp; careers}&lpos={trail}{8}">Work</a></li> <li><a href="http://web.archive.org/web/20091030153325/http://www.money-deals.co.uk/" name="&lid={crumbNavigation}{Money deals}&lpos={trail}{9}">Money deals</a></li> <li class="last"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/list/allmoneykeywords" name="&lid={crumbNavigation}{Money A - Z}&lpos={trail}{10}">Money A - Z</a></li> </ul> </div> </div> </div> </div> <div class="section-heading" id="heading"> <h1 id="section-heading"> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/static/81207/money/images/heading.gif" alt="Money"/> </h1> <a href="http://web.archive.org/web/20091030153325/http://feeds.guardian.co.uk/theguardian/money/rss" rel="alternate" type="application/rss+xml" title="rss" class="feed" name="&lid={sectionHeading}{Webfeed}&lpos={sectionHeading}{1}">Webfeed</a> </div> <div class="heading first"> <div id="page-header" class="page-heading trailblock"> <h1> Editors' picks </h1> </div> </div> <div id="box"> <div id="content"> <div class="first"> <div id="main-trailblock" class="trailblock"> <div class="col first"> <ul> <li class="trail first"> <div class="trail-caption"> <div class="linktext"> <h2> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/30/uk-house-prices-rise" name="&lid={trailItemImageAndTrailText}{House prices rise for six month in succession}&lpos={trail}{1}" class="link-text">House prices rise for sixth month in succession</a> </h2> </div> <div class="trailtext"> Nationwide says average value of typical UK property has increased to £162,038, 2% higher year on year <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/30/uk-house-prices-rise?commentpage=1" name="&lid={trailItemImageAndTrailText}{House prices rise for six month in succession}&lpos={trail}{2}" class="comment-count-info pluck-init-inline comment-count-id-354930880 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> <ul class="sublinks"> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/mortgage-approvals-high" name="&lid={sublinks}{Mortgage approvals at 18-month high}&lpos={trail}{1}" class="link-text" rel="nofollow"> Mortgage approvals at 18-month high</a> </li> </ul> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/30/halloween-home-insurance-claims-spike" name="&lid={trailItemImageAndTrailText}{Trick or treat? The wrong answer could mean a £1,000 insurance claim}&lpos={trail}{1}" class="link-text">Halloween 'tricks' bring home insurance claims spike</a> </h3> </div> <div class="trailtext"> Home insurance claims expected to rise by 270% on Halloween, Axa Insurance claims <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/30/halloween-home-insurance-claims-spike?commentpage=1" name="&lid={trailItemImageAndTrailText}{Trick or treat? The wrong answer could mean a £1,000 insurance claim}&lpos={trail}{2}" class="comment-count-info pluck-init-inline comment-count-id-354755641 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/30/gender-pay-gap-still-high" name="&lid={trailItemImageAndTrailText}{Gender pay gap still as high as 50%, UK survey says}&lpos={trail}{1}" class="link-text">Gender pay gap 'still as high as 50%'</a> </h3> </div> <div class="trailtext"> Women are paid less than half as much as men in some parts of the UK, study says </div> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/society/2009/oct/30/equal-pay-day-gender-gap" name="&lid={sublinks}{Letter: Time to enforce equal pay pledge}&lpos={trail}{1}" class="link-text" rel="nofollow"> Time to enforce equal pay pledge</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/politics/2009/oct/29/minimum-wage-rise-tuc" name="&lid={sublinks}{Trade unions call for minimum wage to rise by 20p}&lpos={trail}{2}" class="link-text" rel="nofollow"> Call for minimum wage to rise by 20p</a> </li> </ul> </div> </li> <li class="trail thumb"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/postal-strike-experiment-postcards-trickle" name="&lid={trailItemImageAndTrailText}{Postal strike experiment: Returning postcards slow to a trickle}&lpos={trail}{1}" class="link-text">Postal strike experiment: Returning postcards slow to a trickle</a> </h3> </div> <div class="trailtext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/postal-strike-experiment-postcards-trickle" name="&lid={trailItemImageAndTrailText}{Postal strike experiment: Returning postcards slow to a trickle}&lpos={trail}{2}" class="small mask"> <img alt="Postal strike has grounded Royal Mail delivery" src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2009/10/29/1256817245298/Postal-strike-has-grounde-004.jpg" width="140" height="84" class="image-in-trail "/> </a> We sent out 500 postcards first class last week. The postal strike means a fifth are yet to arrive <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/postal-strike-experiment-postcards-trickle?commentpage=1" name="&lid={trailItemImageAndTrailText}{Postal strike experiment: Returning postcards slow to a trickle}&lpos={trail}{3}" class="comment-count-info pluck-init-inline comment-count-id-354894892 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> <ul class="sublinks"> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/aug/10/royal-mail-postal-strikes" name="&lid={sublinks}{Q&amp;A: Royal Mail postal strikes}&lpos={trail}{1}" class="link-text" rel="nofollow"> Q&A: Royal Mail postal strikes</a> </li> </ul> </div> </li> </ul> </div> <div class="col"> <ul> <li class="pixie"> <div class="caption"> <h3><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses" onclick="return openGalleryPopup('http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses', 796);" name="&lid={trailItemPixie}{Spooky halloween houses}&lpos={trail}{1}">Haunted house hunting?</a></h3> <p class="strap"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses" onclick="return openGalleryPopup('http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses', 796);" name="&lid={trailItemPixie}{Spooky halloween houses}&lpos={trail}{2}" class="link-text">Spooky Halloween homes for sale</a></p> </div> <div class="trail-text"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses" onclick="return openGalleryPopup('http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses', 796);" name="&lid={trailItemPixie}{Spooky halloween houses}&lpos={trail}{3}">You'll get goosebumps from these spooky lodgings</a></div> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses" onclick="return openGalleryPopup('http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/29/spooky-halloween-houses', 796);" name="&lid={trailItemPixie}{Spooky halloween houses}&lpos={trail}{4}"> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2009/10/29/1256830026970/A-haunted-house-at-Wingmo-001.jpg" width="300" height="180" alt="A haunted house at Wingmore near Canterbury"/> </a> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/gmac-fined-mistreating-mortgage-customers" name="&lid={trailItemImageAndTrailText}{GMAC fined £2.8m for mistreating mortgage customers}&lpos={trail}{1}" class="link-text">GMAC fined for 'mistreating' customers</a> </h3> </div> <div class="trailtext"> Sub-prime lender to pay £7.7m in compensation and £2.8m fine for treatment of those in arrears <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/gmac-fined-mistreating-mortgage-customers?commentpage=1" name="&lid={trailItemImageAndTrailText}{GMAC fined £2.8m for mistreating mortgage customers}&lpos={trail}{2}" class="comment-count-info pluck-init-inline comment-count-id-354899767 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> <ul class="sublinks"> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/swinton-ppi-refund-customers" name="&lid={sublinks}{Swinton offers PPI refund to 350,000 customers}&lpos={trail}{1}" class="link-text" rel="nofollow"> Swinton offers PPI refunds</a> </li> </ul> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/inheritance-laws-co-habiting-couples" name="&lid={trailItemImageAndTrailText}{Inheritance laws reviewed for co-habiting couples}&lpos={trail}{1}" class="link-text">Inheritance laws for couples under review</a> </h3> </div> <div class="trailtext"> Unmarried couples who live together for five years could be given automatic inheritance rights <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/29/inheritance-laws-co-habiting-couples?commentpage=1" name="&lid={trailItemImageAndTrailText}{Inheritance laws reviewed for co-habiting couples}&lpos={trail}{2}" class="comment-count-info pluck-init-inline comment-count-id-354885055 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/consumer-affairs-toys" name="&lid={trailItemImageAndTrailText}{Find out what theyll want for Christmas at the Dream Toys show}&lpos={trail}{1}" class="link-text">Find out what they want for Christmas</a> </h3> </div> <div class="trailtext"> At toy retailers' annual showcase, the bestsellers all cost less than £50. And everyone liked the hamsters <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/consumer-affairs-toys?commentpage=1" name="&lid={trailItemImageAndTrailText}{Find out what theyll want for Christmas at the Dream Toys show}&lpos={trail}{2}" class="comment-count-info pluck-init-inline comment-count-id-354852592 pluck-commentable"> <span class="link-comment-count"></span><span class="link-comment-count-words"></span> </a> </div> <ul class="sublinks"> <li class="bullet gallery last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/27/dream-toys-christmas-2009" onclick="return openGalleryPopup('http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/gallery/2009/oct/27/dream-toys-christmas-2009', 796);" name="&lid={sublinks}{Dream toys for Christmas 2009}&lpos={trail}{1}" class="link-text" rel="nofollow"> Gallery: 'Dream toys' for Christmas 2009</a> </li> </ul> </div> </li> </ul> </div> <ul id="more-news" class="dual-col"> <li class="col first"> <ul> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/environment/2009/oct/28/google-powermeter-home-energy-monitor" name="&lid={trailItemImageAndTrailText}{Powermeter: Googles household energy monitor arrives in UK}&lpos={trail}{1}" class="link-text">Google energy monitor arrives in UK</a> </h4> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/pension-schemes-information-retiring-workers" name="&lid={trailItemImageAndTrailText}{Pension schemes leave retiring workers in ignorance of their options}&lpos={trail}{1}" class="link-text">Retiring workers unaware of options</a> </h4> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/27/government-credit-card-payback" name="&lid={trailItemImageAndTrailText}{Government unveils credit card crackdown}&lpos={trail}{1}" class="link-text">Credit card crackdown unveiled</a> </h4> </div> </div> </li> </ul> </li> <li class="col"> <ul> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/business/2009/oct/27/northern-rock-to-be-split" name="&lid={trailItemImageAndTrailText}{Northern Rock - break-up or shake-up?}&lpos={trail}{1}" class="link-text">Northern Rock - break-up or shake-up?</a> </h4> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/24/halifax-hbos-overdraft-fees" name="&lid={trailItemImageAndTrailText}{Halifax launches the 365% overdraft (and thats authorised)}&lpos={trail}{1}" class="link-text">Halifax launches the 365% overdraft</a> </h4> </div> </div> </li> <li class="trail"> <div class="trail-caption"> <div class="linktext"> <h4> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/all" name="&lid={trailItemImageAndTrailText}{In this section}&lpos={trail}{1}" class="link-text">All the day's Money stories</a> </h4> </div> </div> </li> </ul> </li> </ul> </div> </div> <div id="finance-header" class="page-heading trailblock"> <h2> <a href="http://web.archive.org/web/20091030153325/http://www.money-deals.co.uk/" name="&lid={trailblockHeader}{Money deals}&lpos={trail}{1}">Money deals</a> </h2> </div> <div id="best-buy-container"> <div id="best-buy-tables" style="overflow: visible;"> <div id="finance"> <ul id="finance-guides-nav" class="tabs"> <li> <a href="#finance-pane-0" class="active">Mortgages</a> </li> <li> <a href="#finance-pane-1" class="inactive">Credit cards</a> </li> <li> <a href="#finance-pane-2" class="inactive">Loans</a> </li> <li> <a href="#finance-pane-3" class="inactive">Current accounts</a> </li> <li> <a href="#finance-pane-4" class="inactive">Savings account</a> </li> </ul> <div id="finance-guides" class="trailblock"> <div class="finance-pane" id="finance-pane-0"> <div class="finance-blurb"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/mortgages" name="&lid={financeGuides}{Mortgages}&lpos={trail}{1}" class="link-text" rel="nofollow">Mortgages</a> </h3> <div class="trail-text">Borrowing to buy a home or remortgage</div> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/19/mortgage1_192x78.jpg" width="192" height="78" alt="Mortgage"/> </div> <div class="finance-sheet odd"> <h4> At a glance </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/mortgages" name="&lid={sublinks}{Factsheet: Mortgages}&lpos={trail}{1}" class="link-text" rel="nofollow"> Factsheet: Mortgages</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/property.firsttimebuyers" name="&lid={sublinks}{Factsheet: Step-by-step guide to buying a home }&lpos={trail}{2}" class="link-text" rel="nofollow"> Factsheet: Buying a home</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/property" name="&lid={sublinks}{Property}&lpos={trail}{3}" class="link-text" rel="nofollow"> More on property</a> </li> </ul> </div> <div class="finance-sheet"> <h4> Tools and calculators </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/mortgage-calculator" name="&lid={sublinks}{Mortgage repayment calculator}&lpos={trail}{1}" class="link-text" rel="nofollow"> Mortgage repayment</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://money.guardian.co.uk/calculator/form/0,,603157,00.html" name="&lid={sublinks}{Mortgage amount}&lpos={trail}{2}" class="link-text" rel="nofollow"> Mortgage amount</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/welcome.aspx" name="&lid={sublinks}{Mortgage comparison}&lpos={trail}{3}" class="link-text" rel="nofollow"> Mortgage comparison</a> </li> </ul> </div> <div class="finance-table"> <table id="mortgage-table"> <caption>Featured offers on fixed rate mortgages</caption> <col span="5"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <th scope="col">Scheme type</th> <th scope="col">Overall cost for<br/> comparison (APR %)</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">ING</th> <td>3.84%</td> <td>Fixed until 31/12/11</td> <td>3.7</td> <td id="mortgage-more-info-1"> <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4116&Type=F" name="&lid={financeGuides}{ING|link|Money}&lpos={financeGuides}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>3.69%</td> <td>Fixed for 2 years</td> <td>3.8</td> <td id="mortgage-more-info-2"> <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4233&Type=F" name="&lid={financeGuides}{First Direct|link|Money}&lpos={financeGuides}{3}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Woolwich</th> <td>1.98%</td> <td>1.48% above Base until 31/01/11</td> <td>3.0</td> <td id="mortgage-more-info-3"> <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=4172&Type=V" name="&lid={financeGuides}{Woolwich|link|Money}&lpos={financeGuides}{4}"> More </a> </td> </tr> </tbody> </table> <p class="best-buy-more"><a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/bestbuy.aspx">See more mortgage offers</a> | <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/">Get free mortgage advice</a></p> <p><small>Data provided by London & Country Mortgages Ltd</small></p> <p class="all-deals"><a href="http://web.archive.org/web/20091030153325/http://www.ogenterprises.co.uk/index.html">See all money deals</a></p> </div> </div> <div class="finance-pane" id="finance-pane-1"> <div class="finance-blurb"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/creditcards" name="&lid={financeGuides}{Credit cards}&lpos={trail}{5}" class="link-text" rel="nofollow">Credit cards</a> </h3> <div class="trail-text">Short-term, flexible borrowing</div> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/19/creditCard_192x78.jpg" width="192" height="78" alt="Credit card"/> </div> <div class="finance-sheet odd"> <h4> At a glance </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/creditcards.debt" name="&lid={sublinks}{Factsheet: Credit cards}&lpos={trail}{1}" class="link-text" rel="nofollow"> Factsheet: Credit cards</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/debt.savings" name="&lid={sublinks}{Factsheet: APR, AER and EAR}&lpos={trail}{2}" class="link-text" rel="nofollow"> Factsheet: APR, AER and EAR</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/creditcards" name="&lid={sublinks}{Credit cards}&lpos={trail}{3}" class="link-text" rel="nofollow"> More on credit cards</a> </li> </ul> </div> <div class="finance-sheet"> <h4> Tools and calculators </h4> <ul class="sublinks"> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparecards" name="&lid={sublinks}{Credit card comparison}&lpos={trail}{1}" class="link-text" rel="nofollow"> Credit card comparison</a> </li> </ul> </div> <div class="finance-table"> <table id="creditCardTable"> <caption>Featured offers on credit cards</caption> <col span="5"/> <thead> <tr> <th>Name</th> <th>Balance<br/> transfer rate</th> <th>Balance<br/> transfer period</th> <th>Typical<br/> APR</th> <td></td> </tr> </thead> <tbody> <tr> <td>Virgin Credit Card</td> <td>0%</td> <td>16 mths</td> <td>16.6%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" rel="nofollow">More</a> </td> </tr> <tr> <td>NatWest Platinum</td> <td>0%</td> <td>15 mths</td> <td>16.9%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" rel="nofollow">More</a> </td> </tr> <tr> <td>MBNA Platinum</td> <td>0%</td> <td>Until 01/12/2010</td> <td>16.9%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1824&ProviderID=553&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;218453250;41556954;i&CatID=163" rel="nofollow">More</a> </td> </tr> </tbody> </table> <p class="best-buy-more"><a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cardsbestbuys" rel="nofollow">See more credit card offers</a> | <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparecards" rel="nofollow">Compare over 300 credit cards</a></p> <p><small>Data provided by Moneysupermarket.com</small></p> <p class="all-deals"><a href="http://web.archive.org/web/20091030153325/http://www.ogenterprises.co.uk/index.html">See all money deals</a></p> </div> </div> <div class="finance-pane" id="finance-pane-2"> <div class="finance-blurb"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/loans" name="&lid={financeGuides}{Personal loans}&lpos={trail}{6}" class="link-text" rel="nofollow">Loans</a> </h3> <div class="trail-text">Medium-term solutions to finance</div> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/19/loans2_192x78.jpg" width="192" height="78" alt="Loans"/> </div> <div class="finance-sheet odd"> <h4> At a glance </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/loans.banks" name="&lid={sublinks}{Factsheet: Personal loans}&lpos={trail}{1}" class="link-text" rel="nofollow"> Factsheet: Personal loans</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/debt.savings" name="&lid={sublinks}{Factsheet: APR, AER and EAR}&lpos={trail}{2}" class="link-text" rel="nofollow"> Factsheet: APR, AER and EAR</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/loans" name="&lid={sublinks}{Personal loans}&lpos={trail}{3}" class="link-text" rel="nofollow"> More on personal loans</a> </li> </ul> </div> <div class="finance-sheet"> <h4> Tools and calculators </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://money.guardian.co.uk/calculator/form/0,,603112,00.html" name="&lid={sublinks}{Loan repayment}&lpos={trail}{1}" class="link-text" rel="nofollow"> Loan repayment</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=personalloans" name="&lid={sublinks}{Loans comparison}&lpos={trail}{2}" class="link-text" rel="nofollow"> Loans comparison</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=securedloans" name="&lid={sublinks}{Secured loans comparison}&lpos={trail}{3}" class="link-text" rel="nofollow"> Secured loans comparison</a> </li> </ul> </div> <div class="finance-table"> <table id="loan-table"> <caption>Featured offers on loans</caption> <col span="5"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Min loan</th> <th scope="col">Max loan</th> <th scope="col">Typical APR</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>£7500</td> <td>£15000</td> <td>8.0%</td> <td id="loan-more-info-1"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={financeGuides}{Sainsburys Personal Loan|link|Money}&lpos={financeGuides}{7}" rel="nofollow"> More </a> </td> </tr> </tbody> </table> <p class="best-buy-more"><a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" rel="nofollow">See more loan offers</a> | <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=personalloans" rel="nofollow">Compare over 500 loan providers</a></p> <p><small>Data provided by Moneysupermarket.com</small></p> <p class="all-deals"><a href="http://web.archive.org/web/20091030153325/http://www.ogenterprises.co.uk/index.html">See all money deals</a></p> </div> </div> <div class="finance-pane" id="finance-pane-3"> <div class="finance-blurb"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/currentaccounts" name="&lid={financeGuides}{Current accounts}&lpos={trail}{8}" class="link-text" rel="nofollow">Current accounts</a> </h3> <div class="trail-text">Looking after your day-to-day finances</div> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/19/currentAccount192x78.jpg" width="192" height="78" alt="Current account"/> </div> <div class="finance-sheet odd"> <h4> At a glance </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/jan/29/currentaccounts.saving" name="&lid={sublinks}{A guide to switching bank accounts}&lpos={trail}{1}" class="link-text" rel="nofollow"> Moving your current account</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/debt.savings" name="&lid={sublinks}{Factsheet: APR, AER and EAR}&lpos={trail}{2}" class="link-text" rel="nofollow"> Factsheet: APR, AER and EAR</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/currentaccounts" name="&lid={sublinks}{Current accounts}&lpos={trail}{3}" class="link-text" rel="nofollow"> More on current accounts</a> </li> </ul> </div> <div class="finance-sheet"> <h4> Tools and calculators </h4> <ul class="sublinks"> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparecurrent" name="&lid={sublinks}{Current account comparison}&lpos={trail}{1}" class="link-text" rel="nofollow"> Current account comparison</a> </li> </ul> </div> <div class="finance-table"> <table id="current-accounts-table"> <caption>Featured offers on current accounts</caption> <col span="7"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Account</th> <th scope="col">Interest</th> <th scope="col">Min balance</th> <th scope="col">Overdraft rate</th> <th scope="col">Overdraft buffer</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">ALLIANCE & LEICESTER PLC </th> <td>Premier Direct Current Account</td> <td>6%</td> <td>£1</td> <td>0.00%</td> <td>n/a</td> <td id="bankaccount-more-info-1"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CurrentAccountsP/DoIQualifyExternal.asp?ClickThroughType=1&CurrentAccountID=18734&Source=GU07&BestBuy=1" name="&lid={financeGuides}{ALLIANCE & LEICESTER PLC |link|Money}&lpos={financeGuides}{9}" rel="nofollow"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">ABBEY </th> <td>The Abbey Account (Preferred In-credit Rate)</td> <td>6%</td> <td>£1</td> <td>19.90%</td> <td>n/a</td> <td id="bankaccount-more-info-2"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CurrentAccountsP/DoIQualifyExternal.asp?ClickThroughType=1&CurrentAccountID=18721&Source=GU07&BestBuy=1" name="&lid={financeGuides}{ABBEY |link|Money}&lpos={financeGuides}{10}" rel="nofollow"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">HALIFAX </th> <td>Ultimate Reward Current Account</td> <td>2.5%</td> <td>£0.01</td> <td>19.50%</td> <td>£300</td> <td id="bankaccount-more-info-3"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/CurrentAccountsP/DoIQualifyExternal.asp?ClickThroughType=1&CurrentAccountID=18763&Source=GU07&BestBuy=1" name="&lid={financeGuides}{HALIFAX |link|Money}&lpos={financeGuides}{11}" rel="nofollow"> More </a> </td> </tr> </tbody> </table> <p class="best-buy-more"><a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=currentbestbuys" rel="nofollow">See more current account offers</a> | <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparecurrent" rel="nofollow">Compare rates on current accounts</a></p> <p><small>Data provided by Moneysupermarket.com</small></p> <p class="all-deals"><a href="http://web.archive.org/web/20091030153325/http://www.ogenterprises.co.uk/index.html">See all money deals</a></p> </div> </div> <div class="finance-pane" id="finance-pane-4"> <div class="finance-blurb"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/savings" name="&lid={financeGuides}{Savings}&lpos={trail}{12}" class="link-text" rel="nofollow">Savings</a> </h3> <div class="trail-text">A safe home for your nest egg</div> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2007/10/19/savings_192x78.jpg" width="192" height="78" alt="Savings"/> </div> <div class="finance-sheet odd"> <h4> At a glance </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/isas.shares" name="&lid={sublinks}{Factsheet: Isas}&lpos={trail}{1}" class="link-text" rel="nofollow"> Factsheet: Isas</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2007/oct/25/childtrustfunds.currentaccounts" name="&lid={sublinks}{Factsheet: Child trust funds}&lpos={trail}{2}" class="link-text" rel="nofollow"> Factsheet: Child trust funds</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/savings" name="&lid={sublinks}{Savings}&lpos={trail}{3}" class="link-text" rel="nofollow"> More on savings</a> </li> </ul> </div> <div class="finance-sheet"> <h4> Tools and calculators </h4> <ul class="sublinks"> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://money.guardian.co.uk/calculator/form/0,,603126,00.html" name="&lid={sublinks}{Savings calculator}&lpos={trail}{1}" class="link-text" rel="nofollow"> Savings calculator</a> </li> <li class="bullet "> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=compareisas" name="&lid={sublinks}{Isa comparison}&lpos={trail}{2}" class="link-text" rel="nofollow"> Isa comparison</a> </li> <li class="bullet last"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparesavings" name="&lid={sublinks}{Savings account comparison}&lpos={trail}{3}" class="link-text" rel="nofollow"> Savings account comparison</a> </li> </ul> </div> <table id="savings-accounts-table"> <caption>Featured offers on savings accounts</caption> <col span="6"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Account</th> <th scope="col">AER</th> <th scope="col">Notice period</th> <th scope="col">Minimum investment</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">CITIBANK </th> <td>Flexible Saver Issue 6</td> <td>3.30%</td> <td>Instant</td> <td>£1</td> <td id="savingAccount-more-info-1"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=25000&Source=GU07&BestBuy=1" name="&lid={financeGuides}{CITIBANK |link|Money}&lpos={financeGuides}{13}" rel="nofollow"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">SAINSBURYS FINANCE </th> <td>Online Saver</td> <td>3.20%</td> <td>Instant</td> <td>£1000</td> <td id="savingAccount-more-info-2"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=26212&Source=GU07&BestBuy=1" name="&lid={financeGuides}{SAINSBURYS FINANCE |link|Money}&lpos={financeGuides}{14}" rel="nofollow"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">BIRMINGHAM MIDSHIRES </th> <td>Telephone Extra</td> <td>3.15%</td> <td>Instant</td> <td>£1</td> <td id="savingAccount-more-info-3"> <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/SavingsP/DoIQualifyExternal.asp?ClickThroughType=1&SavingsID=26019&Source=GU07&BestBuy=1" name="&lid={financeGuides}{BIRMINGHAM MIDSHIRES |link|Money}&lpos={financeGuides}{15}" rel="nofollow"> More </a> </td> </tr> </tbody> </table> <p class="best-buy-more"><a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=savingsbestbuys" rel="nofollow">See more savings account offers</a> | <a href="http://web.archive.org/web/20091030153325/http://www.moneysupermarket.com/Link.asp?Source=GU07&Section=comparesavings" rel="nofollow">Compare rates on savings accounts</a></p> <p><small>Data provided by Moneysupermarket.com</small></p> <p class="all-deals"><a href="http://web.archive.org/web/20091030153325/http://www.ogenterprises.co.uk/index.html">See all money deals</a></p> </div> </div> </div> </div> </div> <div id="second-trailblock" class="trailblock"> <div id="second-trailblock-header" class="page-heading trailblock"> <h2> Ask the experts </h2> </div> <div class="col first"> <ul> <li class="major-heading first"> <h2> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/series/expertsproperty" name="&lid={trailItem}{Property expert: Virginia Wallis}&lpos={trail}{1}" class="link-text">Property expert: Virginia Wallis</a> </h2> </li> <li class="trail thumb"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/switch-euro-mortgage-to-uk" name="&lid={trailItemImageAndTrailText}{Can I swap my euro mortgage for a UK-based loan?}&lpos={trail}{1}" class="link-text">Can I swap my Belgian mortgage?</a> </h3> </div> <div class="trailtext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/28/switch-euro-mortgage-to-uk" name="&lid={trailItemImageAndTrailText}{Can I swap my euro mortgage for a UK-based loan?}&lpos={trail}{2}" class="small mask"> <img alt="A Union Jack flag being waved at the Royal Albert Hall in London" src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2009/10/28/1256721703810/A-Union-Jack-flag-being-w-004.jpg" width="140" height="84" class="image-in-trail "/> </a> We moved to the UK and bought a house with a mortgage contracted in Belgium. Can we switch to a UK-based loan? </div> </div> </li> <li class="major-heading"> <h2> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/series/dearanna" name="&lid={trailItem}{Consumer expert: Anna Tims}&lpos={trail}{1}" class="link-text">Consumer expert: Anna Tims</a> </h2> </li> <li class="trail thumb"> <div class="trail-caption"> <div class="linktext"> <h3> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment" name="&lid={trailItemImageAndTrailText}{AXA Sun Life fails to shine over duplicate payment conundrum}&lpos={trail}{1}" class="link-text">AXA Sun Life fails to shine</a> </h3> </div> <div class="trailtext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/23/axa-sun-life-duplicate-payment" name="&lid={trailItemImageAndTrailText}{AXA Sun Life fails to shine over duplicate payment conundrum}&lpos={trail}{2}" class="small mask"> <img alt="Axa logo" src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Society/Pix/site_furniture/2008/09/19/Axa-logo.jpg" width="140" height="84" class="image-in-trail "/> </a> A reader's aunt discovered she was paying AXA Sun Life for two life insurance policies. 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src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Money/Pix/pictures/2009/10/23/1256294763764/Snooping-around-in-Penrit-004.jpg" width="140" height="130" alt="Snooping around in Penrith, Cumbria"/> </a> </li> <li class="pixie last"> <div class="caption"> <h3><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/24/refuse-collector-trash-culture" name="&lid={trailItemPixie}{A working life: The refuse collector}&lpos={trail}{1}">A working life</a></h3> <p class="strap"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/24/refuse-collector-trash-culture" name="&lid={trailItemPixie}{A working life: The refuse collector}&lpos={trail}{2}" class="link-text">Trash culture</a></p> </div> <div class="trail-text"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/2009/oct/24/refuse-collector-trash-culture" name="&lid={trailItemPixie}{A working life: 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name="&lid={trailItemImageAndTrailText}{Redundancy}&lpos={trail}{1}" class="link-text">Coping with redundancy</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/page/2007/oct/01/1" name="&lid={trailItemImageAndTrailText}{Money advice guides}&lpos={trail}{1}" class="link-text">Factsheets</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/money+content/gallery" name="&lid={trailItemImageAndTrailText}{Galleries}&lpos={trail}{1}" class="link-text">Galleries</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/interactive/2008/apr/15/houseprices" name="&lid={trailItemImageAndTrailText}{Interactive: House price graphs}&lpos={trail}{1}" class="link-text">House 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href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/interactive/2008/sep/25/savings.providers" name="&lid={trailItemImageAndTrailText}{Savings: Which providers share a banking licence?}&lpos={trail}{1}" class="link-text">Savings checker</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/series/snoopingaround" name="&lid={trailItemImageAndTrailText}{Snooping around}&lpos={trail}{1}" class="link-text">Snooping around</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://talk.guardian.co.uk/WebX/Guardian%20Talk/Money/?14@@" name="&lid={trailItemImageAndTrailText}{Talkboards}&lpos={trail}{1}" class="link-text">Talkboards</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/page/2007/oct/01/2" name="&lid={trailItemImageAndTrailText}{Financial tools and calculators}&lpos={trail}{1}" class="link-text">Tools & calculators</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://twitter.com/guardianmoney" name="&lid={trailItemImageAndTrailText}{Twitter feed}&lpos={trail}{1}" class="link-text">Twitter feed</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/work-and-careers" name="&lid={trailItemImageAndTrailText}{Work &amp; careers}&lpos={trail}{1}" class="link-text">Work news</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/money/list/allmoneykeywords" name="&lid={trailItemImageAndTrailText}{Money A - Z}&lpos={trail}{1}" class="link-text">Full A - Z</a> </div> </div> </li> </ul> <ul class="tri trail trailblock"> <li class="major-heading first"> <h2> Weekly supplements </h2> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/theguardian/work" name="&lid={trailItemImageAndTrailText}{Guardian Work}&lpos={trail}{1}" class="link-text">Guardian Work</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/theguardian/money" name="&lid={trailItemImageAndTrailText}{Guardian Money}&lpos={trail}{1}" class="link-text">Guardian Money</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/theobserver/businessandmedia/cash" name="&lid={trailItemImageAndTrailText}{Observer Cash}&lpos={trail}{1}" class="link-text">Observer Cash</a> </div> </div> </li> </ul> </div> </div> <div id="stock-search-narrow"> <form action="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/business/stocksearch" method="get" id="stock-search-form"> <fieldset> <h3>Search latest share prices from Thomson Reuters</h3> <p id="stock-search-label"><label for="query">Enter company name or share code</label></p> <p id="stock-search-input"><input type="text" id="query" name="query"/></p> <p><input type="radio" name="searchBy" value="name" id="by-name" checked="checked"/> <label for="by-name">Search by name</label></p> <p><input type="radio" name="searchBy" value="ric" id="by-code"/> <label for="by-code">Search by code</label></p> <p id="stock-search-submit"><input type="submit" name="submit" value="Go"/></p> <p id="browse-all-stocks"><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/business/marketindex/.FTSE" name="&lid={business/stockSearchForm}{Browse all stocks in the FTSE 100}&lpos={business/stockSearchForm}{1}">Browse all stocks in the FTSE 100</a></p> </fieldset> </form> </div> <div id="tools-header" class="page-heading trailblock"> <h2> Useful tools </h2> </div> <script type="text/javascript"> //<![CDATA[ function CalculateBorrowing(){ //declare income variables var App1Income = document.getElementById('Income_app1').value; var App2Income = document.getElementById('Income_app2').value; App1Earnings = parseInt(App1Income.replace(/[^0-9]/g, '')); App2Earnings = parseInt(App2Income.replace(/[^0-9]/g, '')); if (isNaN(App2Earnings)){ App2Earnings = 0 } // single or joint application var joint = false if (App2Earnings > 1) { joint = true } else { joint = false } // decide on main income var MainIncome var SecondIncome if (App1Earnings > App2Earnings){ MainIncome = App1Earnings SecondIncome = App2Earnings } else { MainIncome = App2Earnings SecondIncome = App1Earnings } //declare higher and lower amounts var HigherAmount var LowerAmount //Lower Amount if (joint == false) { LowerAmount = MainIncome * 3.25 } else { LowerAmount = (MainIncome + SecondIncome) * 2.5 } // Higher Amount if (joint == true){ var JointJoint = (MainIncome + SecondIncome) * 2.8 var JointSingle = (MainIncome * 4) + SecondIncome if (JointJoint > JointSingle) { var JointIncome = JointJoint } else { var JointIncome = JointSingle } } if (joint == false) { HigherAmount = MainIncome * 4 } else { HigherAmount = JointIncome } LowerAmount = formatCurrency(LowerAmount) HigherAmount = formatCurrency(HigherAmount) document.getElementById("mortgage-result").innerHTML = "<p><span>Your results:</span> According to the details you have given you will be able to borrow between <span> \u00A3" + LowerAmount + "</span> and <span> \u00A3" + HigherAmount + "</span></p>" } function formatCurrency(num) { num = num.toString().replace(/\$|\,/g,''); if(isNaN(num)) num = "0"; sign = (num == (num = Math.abs(num))); num = Math.floor(num*100+0.50000000001); num = Math.floor(num/100).toString(); for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++) num = num.substring(0,num.length-(4*i+3))+','+ num.substring(num.length-(4*i+3)); return (((sign)?'':'-') + num); } //]]> </script> <div class="capsule" id="mortgage-calculator"> <h3>Mortgage calculator</h3> <h4>How much can I borrow?</h4> <p><label for="Income_app1">Your annual income:</label> <input name="Income_app1" id="Income_app1" size="10"/></p> <p><label for="Income_app2">Your partner's annual income:</label> <input name="Income_app2" id="Income_app2" size="10"/></p> <p id="results"><input onclick="CalculateBorrowing();" type="button" value="Calculate" class="mortgage-button"></p> <div id="mortgage-result"></div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20091030153325/http://guardian.lcplc-online.co.uk/" name="&lid={mortgageCalculator}{Find the right mortgage for you|link|Money}&lpos={mortgageCalculator}{1}"> Find the right mortgage for you </a> </li> </ul> </div> <div class="money capsule ed-zone editor-zone-3 heading-vertical-links"> <div id="editor-zone-3" class="tri trail trailblock"> <ul class="tri trail trailblock"> <li class="major-heading first"> <h2> Our writers </h2> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/lisabachelor" name="&lid={trailItemImageAndTrailText}{Lisa Bachelor}&lpos={trail}{1}" class="link-text">Lisa Bachelor</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/milesbrignall" name="&lid={trailItemImageAndTrailText}{Miles Brignall}&lpos={trail}{1}" class="link-text">Miles Brignall</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/patrickcollinson" name="&lid={trailItemImageAndTrailText}{Patrick Collinson}&lpos={trail}{1}" class="link-text">Patrick Collinson</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/margaretdibben" name="&lid={trailItemImageAndTrailText}{Margaret Dibben}&lpos={trail}{1}" class="link-text">Margaret Dibben</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/samdunn" name="&lid={trailItemImageAndTrailText}{Sam Dunn}&lpos={trail}{1}" class="link-text">Sam Dunn</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/sandrahaurant" name="&lid={trailItemImageAndTrailText}{Sandra Haurant}&lpos={trail}{1}" class="link-text">Sandra Haurant</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/jillinsley" name="&lid={trailItemImageAndTrailText}{Jill Insley}&lpos={trail}{1}" class="link-text">Jill Insley</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/rupertjones" name="&lid={trailItemImageAndTrailText}{Rupert Jones}&lpos={trail}{1}" class="link-text">Rupert Jones</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/harriet-meyer" name="&lid={trailItemImageAndTrailText}{Harriet Meyer}&lpos={trail}{1}" class="link-text">Harriet Meyer</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/hilaryosborne" name="&lid={trailItemImageAndTrailText}{Hilary Osborne}&lpos={trail}{1}" class="link-text">Hilary Osborne</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/jillpapworth" name="&lid={trailItemImageAndTrailText}{Jill Papworth}&lpos={trail}{1}" class="link-text">Jill Papworth</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/humaqureshi" name="&lid={trailItemImageAndTrailText}{Huma Qureshi}&lpos={trail}{1}" class="link-text">Huma Qureshi</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/rebeccasmithers" name="&lid={trailItemImageAndTrailText}{Rebecca Smithers}&lpos={trail}{1}" class="link-text">Rebecca Smithers</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/grahamsnowdon" name="&lid={trailItemImageAndTrailText}{Graham Snowdon}&lpos={trail}{1}" class="link-text">Graham Snowdon</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/annatims" name="&lid={trailItemImageAndTrailText}{Anna Tims}&lpos={trail}{1}" class="link-text">Anna Tims</a> </div> </div> </li> <li> <div class="trail-caption"> <div class="linktext"> <a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/profile/virginiawallis" name="&lid={trailItemImageAndTrailText}{Virginia Wallis}&lpos={trail}{1}" class="link-text">Virginia Wallis</a> </div> </div> </li> </ul> </div> </div> </div> </div> <div class="commercial" id="promo"> <script type="text/javascript"> google_ad_client = 'ca-guardian_js'; google_ad_channel = 'Money'; </script> <script> google_max_num_ads = '3'; </script> <div id="google-ads-container" class="money component capsule advertiser-links" style="display: none;"></div> <script type="text/javascript"> //<![CDATA[ if (true) { generateScriptTag("http://web.archive.org/web/20091030153325/http://pagead2.googlesyndication.com/pagead/show_ads.js"); } // ]]> </script> <div id="sponsored-features" class="capsule sponsored-features commercial"> <script type="text/javascript"> //<![CDATA[ function showSponsoredFeatures() { var sponsoredFeatureComponent = document.getElementById('sponsored-features'); if(sponsoredFeatureComponent) { sponsoredFeatureComponent.style.display = 'block'; } } //]]> </script> <ul class="trail trailblock tri"> <li class="major-heading"> <h3>Sponsored features</h3> </li> <li class="normal image odd"> <script type="text/javascript" src="http://web.archive.org/web/20091030153325js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature1&comfolder=mobilesitekeywords&keywords=%2CMoney%2C&site=Money&bandwidth=t1&url=%252Fmoney&rand=-948932910&system=keyword&blockVideoAds=false&partnerid=&"></script> </li> <li class="normal image"> <script type="text/javascript" src="http://web.archive.org/web/20091030153325js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature2&comfolder=mobilesitekeywords&keywords=%2CMoney%2C&site=Money&bandwidth=t1&url=%252Fmoney&rand=-2111243612&system=keyword&blockVideoAds=false&partnerid=&"></script> </li> </ul> </div> <div id="global-jobs" class="capsule jobsbox money component"> <h3><a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/" name="&lid={rules/jobsBox}{Guardian Jobs}&lpos={rules/jobsBox}{1}"><img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/static/81207/common/images/guardianjobs.gif" alt="Guardian Jobs"/></a></h3> <ul class="tabs javascript-on"> <li id="global-jobs-1-link"> <a href="#global-jobs-1" class="active">UK</a> </li> <li id="global-jobs-2-link"> <a href="#global-jobs-2" class="inactive">USA</a> </li> </ul> <div class="pane-wrapper"> <div id="global-jobs-1" class="global-jobs-pane tab-toggle-pane"> <h3 class="js-hider">UK</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/searchjobs/" onsubmit="return doSearchAllSubmitUK( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="freetext" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <ul class="jobs"> <li class="odd"><h4> <a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/job/919769/business-manager?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Business Manager|Money}&lpos={jobsBox}{2}">Business Manager</a></h4> <p><span class="employer">denville hall.</span></p> <p><span class="location">northwood, middlesex.</span></p> <p><span class="wage">£35,000 p.a..</span></p> </li> <li><h4> <a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/job/927968/finance-director?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Finance Director|Money}&lpos={jobsBox}{3}">Finance Director</a></h4> <p><span class="employer">granta.</span></p> <p><span class="location">west london.</span></p> <p><span class="wage">£60,000 - negotiable dependent on experience..</span></p> </li> <li class="odd"><h4> <a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/job/928038/joint-commissioning-manager?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Joint Commissioning Manager|Money}&lpos={jobsBox}{4}">Joint Commissioning Manager</a></h4> <p><span class="employer">blackburn with darwen borough council.</span></p> <p><span class="location">blackburn town hall, blackburn.</span></p> <p><span class="wage">Grade I SCP 40 - 44 £33,663 to £37,206 p.a..</span></p> </li> </ul> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUK( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/jobs/finance'; return true; } form.action = 'http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/'; return true; } keywordElem.value = searchTextField.value; if (true) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> <div id="global-jobs-2" class="global-jobs-pane tab-toggle-pane initially-off"> <h3 class="js-hider">USA</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20091030153325/http://www.guardianjobs.com/" onsubmit="return doSearchAllSubmitUSA( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="q" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20091030153325/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <textarea id="jobs-box-usa-textarea" style="display:none;"> {for result in results} <li> <h4> <a href="${result.url}">${result.jobtitle}</a> </h4> <p> <span class="description">${ result.snippet }</span> <span class="location">${ result.state }</span> </p> </li> {/for} </textarea> <script type="text/javascript"> //<![CDATA[ var userip = '128.48.120.140'; var country = 'usa'; var isUSA = (country.toLowerCase() == 'usa') ? true : false; var jobsBoxView = new guardian.r2.JobsBoxView('jobs-box-usa', 'jobs-box-usa-textarea'); var jobsBoxService = new guardian.r2.JobsBoxService('%22Director%22', userip); /* category, location */ var jobsBoxController = new guardian.r2.JobsBoxController(jobsBoxView, jobsBoxService, isUSA); //view, service, locationIsUSA //]]> </script> <ul id="jobs-box-usa" class="jobs"> <li class="javascript-on">Loading jobs...</li> </ul> <p class="attribution javascript-on"><a href="http://web.archive.org/web/20091030153325/http://www.indeed.com/">jobs</a> by <a title="Job Search" href="http://web.archive.org/web/20091030153325/http://www.indeed.com/"><img alt="Indeed job search" src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/static/81207/common/images/icon_usjobs.gif" width="54" height="19"/></a></p> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUSA( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20091030153325/http://www.guardianjobs.com'; return true; } form.action = 'http://web.archive.org/web/20091030153325/http://www.guardianjobs.com'; return true; } keywordElem.value = searchTextField.value; if (true) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> </div> </div> </div> <div class="trailblock offerblock"> <h3 id="offers-heading">More ways to stay informed</h3> <ul class="edzone-trailblock trail trailblock" id="offers"> <li class="col first"> <img src="http://web.archive.org/web/20091030153325im_/http://static.guim.co.uk/sys-images/Guardian/Pix/site_furniture/2007/05/11/DigitalEdition_140x115.gif" width="140" height="115" alt="Digital edition"/> <ul> <li> <p><a href="http://web.archive.org/web/20091030153325/http://digital.guardian.co.uk/" name="&lid={stayInformed}{Digital editions}&lpos={trail}{1}">Digital editions</a></p> <div class="trailtext">See the paper exactly as it was printed</div> </li> <li> <p><a href="http://web.archive.org/web/20091030153325/http://www.guardian.co.uk/g24/0,,1820858,00.html" 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