Maureen's £2,400 bill for care in a Spanish hospital: Tourists hit with huge bills as travel firms send them to private clinics

Maureen's £2,400 bill for care in a Spanish hospital

Money Mail has been bombarded with complaints from holidaymakers who have found themselves unable to use their free European Health Insurance Card (EHIC) in Spain. Peter and Maureen Barnett had to pay £2,432 when Maureen got pneumonia during a family Christmas break in Malaga last year.

New rule lets you claim up to £5,000 in tax free interest - but how much of this allowance can you claim?

Take care of their own savings. Nest with piggy bank.

Savers are baffled by a new tax rule that came into effect in April. This lets you earn up to £5,000 in savings interest without paying any tax.

Delays, sky high fees and firms refusing to hand over savings: Six fatal flaws strangling the pensions revolution

Six fatal flaws strangling the pensions revolution

Now, 91 days after the new rules came into force, the system looks to be in meltdown. Instead of unlimited freedom, savers have faced lengthy delays, misinformation, boundless bureaucracy and high charges. We have identified six major failures of the reforms.

How safe is it to pay for shopping on your iPhone? We explain how the new contactless Apple Pay service works

apple pay.jpg

Tech giant Apple has launched a service that turns your mobile phone into a wallet. So how does it work and is it safe?

Are you still paying to rent that BT handset? Customers warned of unnecessary charges

The twin handset BT Aura 1500 gives plenty of bang for your buck with a facility like 60 minute answer machine, a 250  name memory, a top speaker phone and long distance range for chatting away over a Pimm?s in the garden for £69.99.

Today, handsets cost as little as £10, so continuing to rent a phone is, for most, not cost effective.

Energy giant Scottish Power tops the complaints list followed by Npower

File photo dated 04/09/2006 of a gas hob as the rising cost of utility bills is expected to push the official rate of inflation to a three-year high. PRESS ASSOCIATION Photo. Issue date: Tuesday September 13, 2011. Economists predict the consumer prices index (CPI) measure of inflation for August will rise to 4.6%, up from 4.4% the previous month. That would be its highest level since September 2008 when it hit 5.2%. Scottish Power and British Gas raised their gas tariffs in the month, by 19% and 18% respectively, alongside big increases for electricity, helping to add to the squeeze in household incomes already hit by rising food and fuel costs. See PA story ECONOMY Inflation. Photo credit should read: Rui Vieira/PA Wire

Latest figures from the independent Energy Ombudsman show that in the first three months of this year Scottish Power customers lodged 8,840 complaints - 173 per every 100,000 of its customers.

Sparks puts M&S; on to the loyalty card map as retailer looks to launch membership card in the autumn

JANUARY 10, 2013: British retailer Marks And Spencer (M&S) has reported a 1.8 percent drop in UK like-for-like sales over the festive period, including a 3.8 percent drop in general merchandise sales and 0.3 percent rise in food sales, after they released their Christmas Sales earlier than scheduled following a leak. LIVERPOOL, ENGLAND - DECEMBER 29:  Shoppers take advantage of the post Christmas sales outside the Liverpool branch of Marks & Spencers on December 29, 2011 in Liverpool, England. In spite of record post-Christmas sale figures, many retailers are concerned about trading conditions for 2012 with a number of well known high street retailers likely to go into administration in the coming weeks.  (Photo by Christopher Furlong/Getty Images)

The move follows M&S; boss Marc Bolland's strategy of redesigning products, stores, supply chain logistics and the firm's website.

Like
MailOnline

Follow
@MailOnline

MARKET REPORT: Taps set to open on water deals as new legislation in the sector is to make some mergers easier

MARKET REPORT: Taps set to open on water deals

Mega corporate activity in the water sector has dried up since Hong Kong billionaire Li Ka-shing's £2.41billion purchase of Northumbrian Water in 2011 and France's Veolia Environment's sale in 2012 of its UK regulated assets to infrastructure funds for £1.24billion. Broker Deutsche Bank is now of the opinion that the takeover tap in the sector could soon be turned on again. Analyst James Brand believes that there could be major upside to the value of listed water companies.

Shareholders in HSBC 'shrug their shoulders' as lender cuts 8,000 jobs

10J_CITY COVER HSBC (Read-Only).jpg

In an eagerly anticipated update to investors, Europe's biggest bank revealed thousands of staff will pay the price for its misfiring performance.

Cutting flight tax would create 61,000 jobs and help Britain soar, finds report

Television programme: BRITAIN'S BUSIEST AIRPORT - HEATHROW 
Thursday 4th June 2015 on ITV 
Pictured: Heathrow Airside Airport Officer guides a plane off the runway 
New documentary series that goes behind the scenes at Britainís biggest and busiest international airport.  
This episode follows Heathrow staff racing against the clock to process thousands of passengers arriving from 84 different countries.  Airside Safety Officer Glenn and his colleagues work closely with Air Traffic Control to keep Heathrowís two runways open and clear of debris.  Meanwhile, staff from the Animal Reception Centre welcome a variety of weird and wonderful animals ñ from pet ferrets to a wild tiger.  Inside the terminals, Heathrow staff deal with passengers including a man who is stuck living at the airport after being deported from Thailand, and a family whose young relatives have got lost in Arrivals.
© BAA Airports Limited
For further information please contact Peter Gray 
0207 157 3046 peter.gray@itv.

The report from auditors PwC and BATA was commissioned by British Airways, easyJet, Ryanair and Virgin Atlantic.

Russia's woes hurt specialist tools firm Oxford Instruments as it slashes 7% of its workforce

10J_CITY 49 OXFORD INSTRUMENTS (Read-Only).psd

The embattled specialist tools firm has been struggling after Russia, one of its key markets, was hit by financial sanctions over its military action in Ukraine.

RUTH SUNDERLAND: HSBC boss Stuart Gulliver begins a new chapter

Ruth Sunderland byline picture
pic: Johnny Storey

Stuart Gulliver, the chief executive of HSBC, faces a Herculean task in making a huge and complicated organisation less risky and easier to manage.

It's the Sorrell Show: Pay protests dismissed by swaggering WPP overlord

10J_CITY FOCUS WPP (Read-Only).jpg

WPP's chief executive Sir Martin Sorrell struts around the stage with a swagger that comes from being the highest paid FTSE 100 boss.

ASK TONY: I bumped into another car and now fear I'm the victim of a scam

ASK TONY: I bumped into another car and now fear I'm the victim of a scam

We appeal to you as honest pensioners who attempted to alert LV= about a suspected scam from an incident involving my car and a Mercedes-Benz. Parked between two cars, on manoeuvring out of the tight space, my car touched the Mercedes with little impact. The police inspected both cars and observed there was 'no visual damage' to either.

Will Tories close the 'salary sacrifice' loophole giving popular pension perk to low and middle earners?

'Salary sacrifice' schemes are a nice little earner for many workers and their employers, but if you aren't already signed up it might soon be too late.

BT takes battle to Sky by offering free European football to its own TV customers

A production staff member works in the gallery during the BT Sport channel launch program at the BT Sport studio in the Queen Elizabeth Olympic Park, in east London, England. 
Britain's BT launches its much heralded sports TV service today in the biggest challenge to the dominance of BSkyB since Rupert Murdoch launched the pay-TV group over 20 years ago. 

REUTERS/Suzanne Plunkett (BRITAIN - Tags: MEDIA SPORT)

The former telecoms monopoly won the rights from Sky for the Champions League and Europa Cup tournaments after paying £897million.

Why doesn't Halifax let me replace my wife as the signatory of my son's account unless I pay £2,000 for a Court of Protection letter?

FOUNTAIN PEN - Hand holding / writing with a fountain pen
signing name / writing / autograph / signature / official documents /
pen nib / nails

ab10557.jpg

My son has severe learning difficulties, so my wife operated a joint Halifax savings account with him. It currently holds about £4,000. This worked well, but in January she passed away.

Can I write off 75% of the loans I took in 1988 through the Individual Voluntary Arrangement?

Couple looking at home finances on computer.
A3JBHT 
debt, internet, sofa, technology, debt, internet, sofa, technology

My wife and I each took out a personal loan with Barclays for £1,000 in 1988. I've been shocked to find I still owe more than £7,000.

Now you can make crime pay - by investing in firms protecting us all from internet hackers

Now you can make crime pay - by investing in firms protecting us all from internet hackers

Every second, 15 people in the world have their identity or personal details stolen online. The number of these cyber attacks is rising by 47 per cent every year, costing businesses and individuals billions. Firms currently spend £42billion protecting themselves against data theft - and this is set to almost double to £78billion by 2017. So why not join the expert investors making money from this vital industry?

Got a text from your bank warning you about fraud? Beware - it could be criminals on the other end

Criminals are firing out spoof text messages to unwitting bank customers in a bid to steal vital personal information, Financial Fraud Action UK has warned.

The Investing Show: Why Buffett-style value investing beats the market & the shares that move the Footsie

Billionaire Warren Buffett, CEO and chairman of investment company Berkshire Hathaway, speaks during a conversation with David Rubenstein, president of the Economic Club of Washingtron, during the club's 25th anniversary dinner in EWashington on June 5, 2012.    AFP PHOTO/Nicholas KAMM        
(Photo credit should read NICHOLAS KAMM/AFP/GettyImages)

Value investor Tim Price reveals why he believes buying quality at good prices is the key to investing success, in the latest episode of the Investing Show.

INVESTMENT CLINIC: Where can I invest £1,000 three times a year for three years for my grandson who's starting university? 

A young man is pictured with an alarm clock and text books in this posed by model picture. 
adult
adults
alarm
clock
anticipate
anticipating
anticipation
at
ease
attractive
book
college
student
color
comfortable
content
contented
daydream
daydreaming
educate
educating
handsome
happy
horizontal
indoor
indoors
inside
interior
Italian
ethnicity
down
male
males
man
one
person
one
young
man
only
people
person
ponder
pondering
schedule
smile
smiles
smiling
Spanish
ethnicity
stack
text
think
thinking
wait
waiting
young
young

Can you tell me where I can invest £1,000 three times a year for three years to mitigate the future burden of his student loan?

Homebuyers and owners get best deals ever on mortgages as price war takes average rate to record low of 3.01%

During the first quarter, the average interest rate on a home loan fell to 3.01 per cent, down from 3.26 per cent in the final quarter of 2014.

JAMES CONEY: Let us spend our pensions as we please

JAMES CONEY: Let us spend our pensions as we please

We've currently got the incredible situation where the Government wants you to take responsibility for your savings, but the insurers won't let you. And, for that reason, the sweeping reforms are proving a frustration for many who thought they'd have the chance to spend their nest eggs as they want. Pensions Revolution? Pah. The only thing that is revolting in pensions is the treatment of loyal savers by the insurers and policymakers.

ROS ALTMANN and HARRIETT BALDWIN: Insurers shouldn't have any excuses

ROS ALTMANN and HARRIETT BALDWIN: Insurers shouldn't have any excuses

No matter which pension provider you saved with, you should be able to use your pension how you want to. The industry should be embracing this exciting opportunity and developing innovative and competitive products that work for you - and we will work closely with them to help them achieve this.

Small businessman wins £44,500 from taxman after persuading court his 'Snugglebundl' invention should be VAT exempt

Snugglebundl owner wins £44.5k after persuading court it should be VAT exempt

Small business owner Mike Edwards has won a £44,500 payout from HMRC following a two-year battle over whether his Snugglebundl baby-lifting wrap - a shawl with handles for lifting babies and putting them down without waking the child - is exempt from VAT.

Savings in the fast lane: New best buy easy-access savings account is offered by... French car manufacturer Renault

Savings in the fast lane: New best buy easy-access savings account is offered by... French

A new best buy easy-access savings account has driven to the top of the independent This is Money tables and it comes from French car manufacturer Renault. It has launched a dedicated savings bank in Britain named RCI Bank. It already offers similar accounts in Austria, France and Germany in the last few years.

Mobile phone customers charged up to £20 to unlock handset to move to a different network

A woman using cell phone outdoors.

Vodafone charges its customers £19.99 to unlock a phone during the first 12 months of the contract, but nothing after that.

Contactless Apple Pay will hit the UK in July - but after nine months only a quarter of US retailers use it...

Consumers will be able to use their iPhones or Apple watches to pay for goods in around 250,000 locations across the UK by tapping them on a reader.

I'm getting lots of interest in my start-up from abroad. When should I expand overseas? And what's the best way to do this?

When should I expand overseas? And what's the best way to do this?

There are lots of things to think about when it comes to expanding your business overseas. Start-up expert Chris Lamontagne, who recently headed up overseas expansion of his own firm, gives some top tips.

Chancellor George Osborne will struggle to hit budget aims, claims ratings agency Moody's

Chancellor George Osborne will struggle to hit budget aims, claims ratings agency Moody's

The group also warned that an exit from the European Union would damage the economy and could lead to a cut to the country's credit rating. The report will make grim reading for the Chancellor and Prime Minister so soon after the Tories' dramatic General Election victory last month.

Sky Sports chief Barney Francis takes a dig at BT Sport over Champions League TV deal on the eve of the launch of £897m coverage 

Sky Sports chief Barney Francis fired the opening shot in the latest battle with BT Sport by claiming that viewers' interest in Europe's flagship Champions League is on a rapid slide.

UK retail sales flat in May as fashion stores are hit by lack of sustained sunny weather but food sales improve

BEM7RP Cashier totalling grocery purchases

Total retail sales were up 1.1 per cent in May compared to a year earlier, when they had risen 2 per cent, according to the latest Retail Sales Monitor by the British Retail Consortium and KPMG.

Drivers' fury as DVLA website crashes on first day after rule change that requires motorists to generate a code every time they want to hire a car 

DVLA website crashes on first day after car hire rule change

New rules abolishing the old paper part of UK driving licences mean drivers must get a unique code if they want to hire a car. The changes were introduced today, but motorists attempting to get a code from the DVLA have reported problems with the agency's website. Many have taken to Twitter to complain that the website is not loading, or has crashed midway through the process leaving them unable to get their code.

NatWest is pulling the plug on my Your Points credit card rewards  - is it allowed to do that and can customers fight back?

Is NatWest allowed to pull the plug on my credit card rewards?

I got a letter yesterday informing that the NatWest Your Points incentive scheme is to be terminated. It is a great scheme where NatWest credit card holders register for the scheme and get a point for every £1 spend via their credit cards. Is there any way to fight back?

Estate agent Foxtons risks a legal bill as high as £42MILLION after charging a landlord £616 to change a light fitting

Foxtons used a subcontractor called Maintenance1st to do the work. Dr Chris Townley was billed £550 plus £66 VAT, but he later found that the subcontractor had charged much less.

The great £2bn pensions cash-in... but fears mount that fifty-somethings splashing out on cars and boats will be short in old age 

The great £2bn pensions cash-in... savers rush to get retirement pots

Millions of pounds have been spent on home improvements, exotic holidays, expensive cars and even speedboats, under new rules giving savers the freedom to do splash their savings.

Morrison's slashes price of basics again as supermarket war and rise of budget rivals drives down costs for shoppers

Four pints of semi-skimmed British milk will be 11 per cent lower at 89p, a dozen free range eggs are now cut to £1.69 and butter to 88p from 95p.

Aldi snaps at heels of Britain's top five supermarkets as retail experts blame 'snooty' retailers for underestimating the newcomer

The German discount retailer has seen a surge in popularity and will have more than 600 British stores by Christmas, with turnover expected to top £6billion this year.

Revival for UK economy could be on the cards as trade deficit falls to £1.2bn

Revival for UK economy could be on the cards as trade deficit falls to £1.2bn

The UK's trade deficit fell to £1.2billion in April from an upwardly revised £3.1billion in March, official figures revealed today. The deficit in goods decreased from £10.7billion in March to around £8.6billion in April, compared with economists' forecasts for it to fall to £9.9billion. Britain's total trade deficit chopped 0.9 percentage points off quarterly economic growth in the first quarter, contributing to a overall expansion in gross domestic product of 0.3 per cent.

Spread-betting firm Plus500 struggles to verify customers' accounts in money laundering tests

A stock photo of iPhone showing Stock Market performance application.

The spread-betting firm was forced to suspend all of its UK trading accounts after regulators ruled its money laundering checks were woefully inadequate.

Angela Merkel warns time is running out for Greece as it struggles to stay in the eurozone

Angela Merkel, German chancellor, and Greece Prime Minister Alexis Tsipras give a joint press conference, after the meeting, at the German chancellery on March 23, 2015 in Berlin, Germany




Alamy Live News. EJ9EFC Berlin, Germany. 23rd Mar, 2015. Angela Merkel, German chancellor, and Greece Primer Minister Alexis Tsipras give a joint press conference, after the meeting, at the German chancellery on March 23, 2015 in Berlin, Germany. / Picture: Alexis Tsipras, Primer Minister of Greece and German Chancellor Angela Merkel. © Reynaldo Chaib Paganelli/Alamy Live News This is an Alamy Live News image and may not be part of your current Alamy deal . If you are unsure, please contact our sales team to check.

Athens and its creditors are at loggerheads over the measures required to unlock another £5.3billion of emergency funding Greece requires to stay afloat.

Tesco eyes sale of its £6bn South Korean empire as it approaches private equity firms

Undated handout photo issued by Tesco of chief executive Dave Lewis as Tesco paid £4.1 million to him in his first six months after he was brought in from consumer goods group Unilever to turn around the embattled supermarket. PRESS ASSOCIATION Photo. Issue date: Thursday May 21, 2015. The group's annual report also said it handed a £1.2 million pay-off to former boss Philip Clarke - on top of £764,000 in salary until mid-January - but confirmed it plans to claw back the leaving payment if it finds there was gross misconduct following the discovery of an accounting black hole. See PA story CITY Tesco. Photo credit should read: Tesco PLC/PA Wire
NOTE TO EDITORS: This handout photo may only be used in for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

US firms KKR and Carlyle and London-based CVC Capital Partners have been asked to bid for the Homeplus business of the struggling supermarket.

Burberry backing Christopher Bailey's £8million pay package in wake of last year's revolt

Models present creations by British designer Christopher Bailey for Burberry Prorsum at the London Fashion Week, in Hyde Park in London, Britain, 16 September 2013. 

The Spring/Summer 2014 collections are presented from 13 to 17 September.  


EPA/FACUNDO ARRIZABALAGA
epa03870092

More than half of its investors had voted down the 2014 directors' remuneration report, which the luxury good's firm conceded 'may not have been sufficiently clear'.

Boots axes 700 jobs across the UK to pump money into online division

Boots axes 700 jobs across the UK to pump money into online division

The pharmacy chain, which last year merged with US giant Walgreens, plans to save £150million in a major restructuring. The combined company is led by Stefano Pessina (pictured), the Monaco-based tycoon who made £4.45billion from the deal.

CITY FOCUS: FTSE's foreign legion as Deutsche announces British CEO, but City attracts the world's finest

09J-COMPANY BOSS OVER HERe (Read-Only).psd

The list of British chief executives of big foreign groups is a small one, in stark contrast to the large number of FTSE 100 firms run by overseas bosses, which currently stands at 39.

Brewdog unveils ambitious US expansion at festival-like AGM after £6m pours in from latest 'Equity for Punks' crowdfunding

Brewdog plans to open a bottling plant in Ohio, U.S, and is close to snapping up a 42 hectare site while it will also open five bars across the pond.

Former Centrica boss - 'Sammy Two Pools' Laidlaw - heads up new £3.3billion energy investment fund  

Sam Laidlaw, Chief Executive, Centrica plc at conference. -  CBI (Confederation of British Industries) Conference at the Hilton Metropole Hotel, London. - 
. REXMAILPIX.

Named Neptune Oil and Gas, it will focus on investing in large-scale fields and companies struggling in the wake of the sharp drop in oil prices over the past year.

Tata Steel faces walkout as union joins call for strike action for first time in 35 years

The Corus Steelworks in Scunthorpe, on the day the Takeover Panel announced that Indian firm Tata Steel has won the auction for the company. PRESS ASSOCIATION Photo. Picture date: Wednesday January 31, 2007. Tata's offer of 608p per share valued the Anglo-Dutch company at  5.75bn. A spokesman for Tata said the total deal was worth  6.7bn. The Mumbai-based company was bidding against Brazilian firm CSN, which offered 603p a share. See PA Story CITY Corus. Photo Credit should read: John Giles/PA Wire. View of Scunthorpe

The dispute is over the firm's pension scheme, which has a projected £2billion shortfall. Earlier this year Tata said it would close its final salary pension scheme to new members.

Should you be banking with Harrods or Punjab National Bank? Challenger banks offer savers the best returns on their cash

Don't be shy: Challenger banks offer a brave new world for savers 

Savers hunting for the best returns on their money are wasting their time with many household names such as Barclays, Halifax or Nationwide Building Society. To get the top rates, savers need to brave the world of lesser-known overseas banks or small UK providers that now dominate the 'best-buy' tables for fixed-rate savings.

TONY HETHERINGTON: My water meter has been left stuck in the pipeline for a year - what can I do? 

I am a pensioner living alone and using very little water, so I decided in March last year that a water meter would make sense. Months later, I still don't have it.

SALLY HAMILTON: Fix your mortgage before the lenders' limbo dance comes to a halt and rates are no longer falling

For those who think like me - or even those that don't but want certainty about how much they pay to their lender each month - then a low-cost fixed rate mortgage is the way to go.

'We paid £12k just for a signature': Flat owners must keep track of years left on their lease - and act fast before it slips below 80

Flat owners gain value on home with new lease of life 

Owners of leasehold flats need to keep track of a crucial number - how many years they have left on their lease - and to act fast to extend it before it slips below 80. The number of years left can prove crucial at the point of selling or remortgaging as a leasehold property theoretically gives owners the right to live there for only a limited time. Paul Benamor's lease extension cost him and his sister £12,000.

Consumers splash out despite recent slowdown led by spending on hotels, bars and hairdressers

As retailers battle to engage consumers online and on the high-street, face-to-face sales saw the strongest rate of increased spending, rising at an annual rate of 3.2 per cent last month.

CBI cuts UK growth forecast as it warns EU referendum and Greek crisis pose threat to future growth

John Cridland, Director-General of the Confederation of British Industry


Gib-3-John Cridland CBI.jpg

The business organisation said it now expects the economy to expand by 2.4 per cent this year, instead of 2.7 per cent.

From couriers to car clubs: How the power of sharing could help you save money, cut costs and share the love

From couriers to car clubs: How the power of sharing could help you save money, cut costs

A rapidly expanding personal marketplace - where people deal directly with each other to save or make money on anything from renting cars to speaking on a mobile phone - is expected to be worth £230billion a year in a decade. Here, we explain the latest developments in the world of 'people power' and how you can get involved. Today marks the launch of the first Global Sharing Week - a seven-day campaign to raise awareness of a booming trend that matches individuals who need something with those who can provide it.

'Lloyds marked me as deceased and locked my account': What to do if you're let down by your bank or disagree with the Ombudsman

How to complain about your bank or disagree with the ombudsman

What happens if you disagree with the ombudsman's decision and what action can you take? Ashley Flynn (pictured with girlfriend Georgina Sallas) is planning to take legal action against Lloyds Bank after it randomly marked him as 'deceased' on his bank account and locked him out of it for a year.

Plug-in hybrid car sales are soaring but are they really the future? We drove a green SUV to Britain's greenest hotel to find out...

Are plug-in hybrid cars the future? We test the Mitsubishi Outlander PHEV

The thought of an eco holiday filled Lee Boyce with dread. But would a Mitsubishi Outlander PHEV - the biggest selling ultra-low emission vehicle of the year - and a trip to Green House Hotel in Bournemouth prove a winning formula?

MIDAS SHARE TIPS: AB Dynamics is in the driving seat as a robot car test specialist 

MIDAS SHARE TIPS: AB Dynamics is in the driving seat as a robot car test specialist 

The world's car makers spend more than £65billion a year on research and development - one of the highest budgets in modern industry - and much of this goes towards making vehicles safer and more comfortable. British engineer AB Dynamics is neatly positioned to benefit from this vast outlay. Based in Bradford-on-Avon, Wiltshire, the company makes sophisticated testing equipment used by Audi, Mercedes, Daimler, Ford, Honda, Toyota, General Motors and others.

SUSTAINABLE PIONEER FUND: Making money from green investments can be a breeze

Mainstream investors often dismiss green investing as a niche activity for sandal wearers willing to sacrifice profits for their principles.

MIDAS SHARE TIPS UPDATE: Workspace Group shares rise by 38% 

The soaring price reflects both continued success at the core business and a growing appreciation of the company among City brokers and investors.

Should you invest in Asia for income? With a growing dividend culture, it could be a sweet spot for UK investors

Should you invest in Asia for income?

Of course, with investors cottoning on to the allure of Asia, stock markets in countries like India and China have raced ahead leading to inevitable questions about rising valuations and bubbles brewing. Here are four key things you need to know about investing for income in Asia.

Property vs the stock market: Can investing in bricks and mortar give you a secure retirement?

Bricks and mortar have provided stellar returns for many people over the past couple of decades, prompting many to rely on property as their pension.

Star fund boss Andy Brown pockets £14.1m after investing in pizza, fizzy drinks and cigarettes 

Cedar Rock Capital, which he founded in 2002, invests in a small selection of companies and tends to hold the shares for several years.

Would you let your child choose the family broadband deal? The key to future financial success is starting them young, say experts

Want to make your child financially successful in future? Start educating them about money

A week-long financial education project starts on Monday, encouraging schools around the country to step up efforts to teach children about money. The age of seven is key to developing the skills for a bright financial future - leave it later and children could struggle to pick up good habits as adults. So says the Personal Finance Education Group, or pfeg, which champions incorporating early stage money lessons into the curriculum. It is also behind My Money Week, which starts tomorrow and urges schools to teach pupils about money and how to manage it.

Weatherbys boss: 'We have records on every horse going back to 1791...that sort of data is invaluable, it gives us an edge' 

Riding a horse in the Derby comes with its own pressures but that's nothing to being the latest member of the Weatherby family to run the 245-year company which bears your name.

Eight fraudsters convicted of operating £4m illegal land investment scam  

Using several company names, the gang sold plots of land they claimed were ripe for development but which were mainly on the Green Belt with no chance of gaining planning consent.

Want to exchange contracts fast? Then follow these top five tips for pushing through your property transaction 

Want to exchange contracts fast? Then follow these top five tips for pushing through your

The pre-election uncertainty may be over and even the sun has made an appearance, but that doesn't mean there won't be major hurdles to overcome leading up to exchanging contracts on a new property. Even when both the seller and buyer are keen to exchange quickly, things can grind to a halt. And seasoned home-movers are not immune. The time between an offer being accepted and exchanged can be as quick as six weeks in England and Wales.

RACHEL RICKARD STRAUS: We'd better invest in our energy infrastructure right now - I saw in South Africa what happens when the lights go out

A general view of the table mountain at Cape Town, Western Cape, South Africa.


B509AH

South Africans are addicted to a mobile phone app that tells them the black out schedule for their neighbourhood so they know when they will next be plunged into darkness.

Travel vouchers hit the buffers: Rail passengers will be able to ask for cash compensation for late trains

Two train tickets for Standard off-peak travel out and return with sterling banknotes and coins.


CC3GYR

Currently, train customers can complain - although many do not - when a train is more than 30 minutes late and if successful will receive rail vouchers as compensation.

Found the dream home abroad? Six perils to avoid when buying a place in the sun

Found the dream home abroad? Six perils to avoid when buying a place in the sun

After months of searching, you have finally found it - your dream home in the sun. But before you get too excited about moving in, there's the hard work of paperwork. Here are overseas property expert Simon Conn's six pitfalls to avoid when buying a home abroad.

SIMON LAMBERT: Have you got this essential safety net for your family finances?

Lasting power of attorney is the essential safety net for your family finances

Sorting out lasting power of attorney is something people are typically warned to do as they get older, but younger people need it just as much. If the proverbial bus hits you and you're left incapacitated but not dead, it allows your loved ones to run the family finances.

Sales of 'ultra-low' emission cars quadruple in first five months of 2015 according to official stats - here are the top five sellers...

New car sales were up 2.4 per cent in a year to almost 200,000 registrations in May, the 39th month in a row that the figure has risen, official data showed this morning.

Where do drivers pay the most to fill up? Britain climbs back into top ten costliest countries for petrol in our exclusive global index - and tax is to blame

Britain has re-entered the list of the ten countries with the highest unleaded prices in the world despite prices at UK pumps falling below the level seen in 2013 when it last featured in the list.

'We decided to make and sell our own beer, rather than just talking about it: Haresfoot Brewery's All-Rounder bags Ashes backing

Haresfoot Brewery's All-Rounder named official ale of the Ashes

A local brewery just over a year old has been chosen to provide the official ale of the prestigious Cricket Writers' Club. Haresfoot Brewery was founded in Berkhamsted, Hertfordshire, last year by eight friends, including head brewer Scott Carter and marketing boss George Harvey, who decided to start brewing their own beer rather than just talking about doing so. They started exactly a century after the last brewery in the town closed down

Have I Got News For You: £4m in tax breaks keep programme maker in black

Current Hat Trick programmes include Episodes, Dinner Date, Critical and Have I Got News For You, which stars Ian Hislop and Paul Merton and has been running since 1990.

SMEs relying on friends and family for survival, says finance specialist

Small businesses are over-reliant on such 'unsustainable' or 'restrictive' sources of funding, according to Bibby's quarterly SME Tracker survey.

Employers 'must be more flexible' when hiring staff balancing work and parenting 

Karen Mattison, a former director of a mental health charity, co-founded Timewise Jobs in 2012 with Emma Stewart.

How to turn a buy-to-let second home into a pension and secure your financial future

How to turn a second buy-to-let home into a pension and secure your financial future

Rising property values, strong rents and low mortgage rates, have made property an appealing option for anyone looking to supplement pension income. But buy-to-let may not be right for everyone's pension. We explain what you need to know.

How to be a good landlord - without being taken for a ride: It will require time, money and effort, but worth it to retain the right tenants

A great tenant is priceless, and you may need them more than they need you - after all, they pay your mortgage. Here are the essential steps to becoming a model landlord...

Watch out for the landlord tax traps that could ensnare you and your buy-to-let property

Being a landlord can be extremely financially rewarding, but don't forget that the taxman will always want his share. Here's our rundown of all the taxes every buy-to-let investor needs to know about.

Ten tips for buy-to-let: the essential advice for property investors

A stock photo of model house with to let sign. 





Image shot 01/2004. Exact date unknown.

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Read our top ten buy-to-let tips

How we built a rental home empire: You may think 'why stop at one property?' but make sure you invest wisely

Vanessa Warwick and Nick Tadd accumulated a small empire in the way that many landlords do: by cashing in on the price rise of one house, and using the capital to buy another.

TIPS, TOOLS AND HELP FOR LANDLORDS

Partner services

Landlord packages

How British Gas can help you

Find a mortgage

Buy-to-let rates and advice

Landlord repairs

From locks, boilers, electrics to drains

easyProperty.com

Find tenants today for FREE

50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings

50 ways to save money....

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Revealed: The world's cheapest and most expensive stock markets - and where the UK stands

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and trust ideas for emerging markets

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will interest rates rise? Deflation arrives but the 'only way is up' for rates, with a May 2016 hike forecast

When will UK interest rates rise?

Figures from the ONS showed negative inflation of 0.1 per cent in April, as the consumer prices index fell slightly year-on-year. A mild dose of deflation is not forecast to change the outlook for rates, however, with inflation expected to soon pick back up again and a late spring 2016 rise on the cards.

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

"No smoking" sign on a wall --- Image by © Christopher Stevenson/Corbis

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

What next for mortgage rates? Fixed rates tumble to as low as 1.09% as homeowners get golden opportunity to lock in

Mortgage rates.jpg

If you are looking for a mortgage, rates have never been lower. We run the rule over the top deals available and whether now is the time to fix.

Looking for a better bank? This is Money's five of the best current accounts

Best five: which current accounts offer the best perks?

How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

What next for house prices? House prices rise across the UK but London has caught a chill

spt_split-weather-houses.jpg

House prices are rising across the UK but London has caught a chill - property in the capital remains expensive but prices are slipping back from their peaks. We look at the latest figures.

Ten tips for buy-to-let: the essential advice for property investors

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions

Best paid UK jobs 2014 Compare your pay to the national average

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.

Premium Bonds winners

June 2015
Prize value Winning bond No. Area
£1,000,000 164RC791582 Overseas
£1,000,000 133MV876632 Wirral
£100,000 73BT506847 East Sussex
£100,000 198FK110801 Derbyshire
£100,000 181PX471387 Bradford
£100,000 129KY401875 Bristol
£100,000 112RR370485 Swansea
£50,000 63YX411084 South Yorkshire
£50,000 220NP065394 Overseas
£50,000 219HQ388251 North Yorkshire
£50,000 209HP596747 Ealing
More Premium Bonds winners

Poll

Do you have an up-to-date will written?

Do you have an up-to-date will written?

  • Yes 369 votes
  • No 244 votes

Now share your opinion

  •  
  •  

Poll

Do you have lasting power of attorney?

Do you have lasting power of attorney?

  • Yes 94 votes
  • No 516 votes

Now share your opinion

  •  
  •  
   

MOST READ MONEY

Tourist rates

Currency Rate Buy now
Updated 10 Jun 2015.
Euro 1.3316 Buy Now
US Dollar 1.5042 Buy Now
Australian Dollar 1.9456 Buy Now
Canadian Dollar 1.8603 Buy Now
Chinese Yuan 9.1434 Buy Now
Croatian Kuna 9.8853 Buy Now
Czech Koruna 36.111 Buy Now
Danish Krone 9.8044 Buy Now
Egyptian Pound 11.04 Buy Now
Hong Kong Dollar 11.586 Buy Now
Hungarian Forint 409.83 Buy Now
Japanese Yen 186.99 Buy Now
Malaysian Ringgit 5.5429 Buy Now
New Zealand Dollar 2.1071 Buy Now
Norwegian Krone 11.614 Buy Now
Polish Zloty 5.462 Buy Now
Singapore Dollar 2.0257 Buy Now
South African Rand 18.673 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 12.313 Buy Now
Swiss Franc 1.39 Buy Now
Thai Baht 49.851 Buy Now
UAE Dirham 5.495 Buy Now

Long-term savings

Monthly savings plan

Find out how much a regular monthly savings scheme could make me.

Results
Or lump sum investments

Calculate how much a lump sum investment could be worth.

Result

Mortgage Affordability Calculator

Your monthly payment

Enter how much you plan to borrow and find out your monthly bill. Assumes interest calculated annually.

Result
Your total mortgage

Enter the amount you can afford to pay monthly (eg. your current rent) to find out how much you can borrow...

Result
Are you over-stretching

How much of your income goes on your mortgage?

Result

Broadband

Cheapest broadband

Search for the best providers in your area

Insurance

Cheapest insurance

Compare thousands of policies

Energy bills

Energy bills

You could save £££s on your energy bills. Find out in seconds

Credit check

What does your credit rating reveal?

Get a FREE trial credit check today to see what the financial services industry can see about you

GO

Warranties

Extended warranties

Get cheaper cover on

Car insurance

Cheaper car insurance

Compare more than 100 insurers in less than five minutes

GO

Mortgages

Best mortgages

See today's latest mortgage rates and get a free consultation with an adviser

GO

Home insurance

Cheaper home insurance

Compare home insurance quotes from 75+ companies

GO