直す／買収する，八百長をする 貯金 社債s before 率s 落ちる

By SYLVIA MORRIS FOR MAILONLINE
Updated: 11:30 BST, 21 November 2007

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月毎の income 探検者s can earn 6.5% before 税金 in a 直す／買収する，八百長をするd-率 account, an attractive 取引，協定 when the general level of 利益／興味 率s is 推定する／予想するd to 落ちる next year. The best 取引，協定s come on one-year 直す／買収する，八百長をするd 率 社債s.

But to 直す／買収する，八百長をする now at a わずかに lower 6.4 % for two years could 証明する a better bet if Bank of England base 率 starts to 落ちる - and it will やめる はっきりと, によれば some 経済学者s' 予測s - next year from its 現在の 5.75% level. The Bank is 推定する／予想するd to 削減（する） 率s to 生き返らせる a slowing economy.

Andrew Clare, professor of 資産 管理／経営 at City-based Cass 商売／仕事 School, says: 'There is a 重要な headwind 直面するing the economy and there is a good chance of a 削減（する） by February at the 最新の. It could go as low as 4.75% or 5%.'

Professor Peter Spencer, from York University, says: 'The Bank of England will wait until the new year before cutting base 率 - it could be as 早期に as January because of the slowing economy. It could be as low as 5.25% by May.'

Roger Bootle, from consultancy 資本／首都 経済的なs, also thinks 率s will 落ちる, 結局 as low as 5% by the end of next year, with the first 削減（する） coming in February.

He says: 'The past few weeks have seen the first real 調印するs that higher 利益／興味 率s and the 財政上の 危機 are starting to take their （死傷者）数 on 経済的な activity.'

Savers can earn an extra £180 a year on £10,000 貯金 by switching to 最高の，を越す accounts when their 存在するing 社債s 円熟した.

The 国家の 貯金 & 投資s (NS&I) one-year Pensioners 保証（人）d Income 社債s Series 32, 支払う／賃金ing 4.65% before 税金, started to 円熟した this month.

If you roll your 投資 over into the 最新の 見解／翻訳／版 - series 36 支払う／賃金ing 4.95% - you will see an extra £30 a year before 税金 on each £10,000 投資.

But if you switch to a 最高の，を越す one-year 取引，協定 such as those on 申し込む／申し出 from 全国的な or Icesave, you'll see an extra £15 a month, or £180 a year.

NS&I Pensioners 社債s 支払う／賃金 out 利益／興味 before 税金 is deducted, so taxpayers must settle up with HM 歳入 & Customs (HMRC).

Other banks and building societies 支払う／賃金 利益／興味 after 20% 貯金 税金 has been deducted, unless you 調印する form R85 to say you are a 非，不，無-税金 payer.

You can also do better with banks a nd building societies if you want a two-year 直す／買収する，八百長をするd 率 取引，協定, where the 最高の，を越す 率 is 6.46% before 税金 (5.17% after 20% 貯金 税金) from Chelsea's internet-based account or 6.4% (5.12%) with Saga's telephone-based 取引，協定. NS&I's 現在の 問題／発行する of its two-year Pensioners 保証（人）d Income 社債s is a much lower 4.85% (3.88%).

This gives a 月毎の income of £39.86 before 税金 (£31.89) on each £10,000 投資するd, compared with Saga's two-year 申し込む／申し出ing of £52.60 (£42.80) - or nearly £13 more before-税金 利益／興味 each month, equal to over £150 a year.

避ける 最高の，を越す High Street （疑いを）晴らすing banks, too, if you want a 直す／買収する，八百長をするd 率 取引，協定 - they 支払う／賃金 いっそう少なく than 5.5% before 税金.

If you want to 直す／買収する，八百長をする 月毎の 利益／興味 from your 貯金 wrapped up in 税金-解放する／自由な cash Isas, then Yorkshire Building Society 支払う／賃金s 6.08% 直す／買収する，八百長をするd for a year.