Build up your savings in an Isa and it remains tax-free for life, no matter how large the lump sum becomes. Here’s our round-up of the top rates available. The arrival of the personal savings allowance in 2016 led some people to abandon cash Isas. After all, what’s the point when you can now earn tax-free interest on a standard savings account? However, this is short-sighted.
Our cash-strapped government is coming after shareholders with higher dividend taxes, but investment Isas are still tax-free. If you haven’t used up all of your 2017/2018 Isa allowance yet, you may want to move fast to get any dividend-paying investments that you hold outside a tax wrapper into an Isa before the tax year ends. That’s because in April the dividend allowance – how much you can receive in dividends before you have to start paying tax on them – is being cut from £5,000 to £2,000.
Isas are a good choice for most types of saving, but your workplace pension and/or a self-invested personal pension can be a better option for your retirement. A pension is more restrictive than an Isa – you can’t get at your money until you reach a minimum age (55 at present for most schemes, rising to 57 in 2028) and you will have to pay income tax when you take it out. These disadvantages are offset for many investors by generous up-front tax relief on your contributions.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".