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Whether you reside to function or work to live, there comes a spot in your job search if you are going to have to talk money, in addition to being much as we either love or require stuff, this is a conversation that few of us look forward to. If we be satisfied with inadequate, we are planning to spend the coming years kicking ourselves, and maybe even feeling resentful towards our employer. If we request a lot of, we risk losing the work offer. A careful balancing act is called for?and nerves of steel. Moneyfacts says the average instant access savings rate is only 0.07 percentage points higher.