PLAY FAIR ON PENSIONS: Wilson wants to cash in to visit his son's grave - but his insurer won't let him 

PLAY FAIR ON PENSIONS: Wilson wants to cash in his pension to visit his son's grave - but

After hearing about pension freedoms, 64-year-old Wilson Smith thought this would be his chance to visit the military cemetery in Hanover where Scott was buried almost 40 years ago. Wilson had been serving as a sapper in the Royal Engineers when his son passed away of cot death at three months old. After returning to the UK in the 1970s, he's never had the money to go back.

Clocked: The drivers who wind back their mileage to avoid breaking cheap loan agreements

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Industry insiders say a boom in car clocking is down to an explosion in vehicles bought through deals demanding drivers stick to a fixed mileage typically from 5,000 to 10,000 miles a year.

The coffee shop that sells £4.8billion shares a day... but where you'll never see a stock market trader

The coffee shop that sells £4.8billion shares a day... but where you'll never see a stock

The London Stock Exchange dates back more than 300 years, when traders used to write the price of goods up in a City of London coffee house. The point of having a stock market as a place for people to buy shares is that it is easier for investors than having to go to individual companies to buy their stock.

Are your savings protected? The new banks that aren't covered by UK safety net 

BH8D84 Piggy bank under rug

Last week's launch of the French-based RCI Bank highlights the complicated web you need to untangle to find out the level of compensation you would receive were the bank to go bust.

'Just give us our cash': Big insurers must stop blocking savers from using the pensions freedoms, says JAMES CONEY

James Coney - Daily Mail byline  17.06.11. Photo Chris McAndrew / All Moral Rights Asserted 2011. 07740 424 810

There's an important founding principle at the heart of the pension reforms: it's your money. If you saved responsibly, you should be trusted to spend it responsibly.

ASK TONY: When Star Wars magazine called in the Dark Side over my £12 bill

image002.jpg

I recently subscribed to the Star Wars magazine for my great-grandson. However, the publisher, De Agostini, is refusing to acknowledge a payment I made by cheque, which was cashed.

PLAY FAIR ON PENSIONS: How Money Mail won freedom for thousands

Logo: Aviva


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Our investigation revealed Aviva and Standard Life were denying customers their savings unless they used a financial adviser. But no special advisers would agree to carry out the transaction.

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MARKET REPORT: Fuse blows for FlowGroup the firm behind revolutionary electricity-generating boiler

MARKET REPORT: Fuse blows for FlowGroup the firm behind revolutionary

Chester-based FlowGroup, chaired by Clare Spottiswoode, the former director of Ofgas, blew an almighty fuse and closed 9.5p or 39 per cent down at an all-time low of 14.75p. Investors switched off following the shock announcement that the company expects a 'substantial reduction' in the number of boiler installations this year after a legal blow.

Lorry drivers shortage will cause deliveries to shops and businesses to seize up well before Christmas, warn haulage bosses

A general view of Dartford toll booths at the Dartford Crossing in Kent, England.

 Image shot 06/2008. Exact date unknown.
B1HJ2B

The RHA also said that the economic recovery risks being 'stalled' by the delivery driver shortage.

High-tech UK manufacturing is soaring: Britain's aerospace sector makes powerful start to Paris Air Show as it secures 425 deals totalling £34bn

Paris Air Show Graphic (Read-Only).jpg

The business could be worth up to £5.5billion to the UK economy, based on the proportion of work done by British firms.

Make or break as Greece teeters on the edge of a devastating default 

*** BESTPIX *** ATHENS, GREECE - JUNE 16:  Greek Prime Minister Alexis Tsipras addresses his party members and ministers at the Greek Parliament on June 16, 2015 in Athens, Greece. The European Commission has said that Greece and its international creditors need to come to an agreement within the next 2 weeks to avoid a possible default, after weekend talks collapsed. (Photo by Milos Bicanski/Getty Images)

Greek Prime Minister Alexis Tsipras is at the helm of a crisis-torn nation as the stock market in Athens fell nearly 5 per cent - taking its losses over three days to 15 per cent.

The IOUs that risk cataclysm: There can be no such thing as a smooth Grexit from the Eurozone, says ALEX BRUMMER

ALEX BRUMMER: Greek Prime Minister Alexis Tsipras leads a ragged coalition of socialists who would like nothing better than to see capitalism collapse around them.

Royal Mail shares hit as watchdog launches probe into efficiency and prices of postal service

A Royal Mail employee empties a post box in Southwark in London, England. The Communication Workers' Union has announced two 24-hour nationwide strikes beginning on October 22, 2009 over pay, working conditions and reform. 
Royal Mail Announces Profit Growth Of £671 million.

FILE - MAY 22: 
LONDON, ENGLAND - OCTOBER 16: 
 (Photo by Oli Scarff/Getty Images)

The communications watchdog said the review was prompted by the withdrawal of rival Whistl from the 'direct delivery' service, leaving Royal Mail with no competitor in that market.

Annual house price growth falls to lowest level in a year and a half as London prices continue to slide

Annual house price growth falls to lowest level in a year and a half as London prices

Property prices in Britain increased by 5.5 per cent in the year to April, a sharp fall in the annual rate from 9.6 per cent recorded the previous month, data from the Office for National Statistics shows. On a monthly basis, average house values fell 1.3 per cent to £271,000 - down £2,000 on March. The peak for the official measure of house prices came last August at £274,000.

Deflation ends after just one month as the rising cost of petrol and air fares pushes prices up again by 0.1%

BEM7RP Cashier totalling grocery purchases

Deflation ended after just one month, official figures showed this morning, as the rising cost of air fares, petrol and food pushed up prices again.

Check it out: Lloyds Bank to try out cheques that can be photographed and paid in via smartphone app

Customers of Lloyds Bank are a step closer to being able to take a photo of a cheque on their smartphone and paying it directly into their bank account.

I want a seven-seater car but I'm wary of buying a diesel as they seem to be coming in for more punishment: what petrol options are there?

I want to buy a car but will I be punished for owning a diesel in the future?

I want to buy a nearly-new car and need to have seven seats but almost all that I look at are diesel. Not only do I not want a diesel car but I'm concerned that after years of being told they were cleaner, we're now being told they're more polluting. What should I buy?

Green cars you can get a £5k grant for: Sales rocket as drivers scoop up subsidy - but how long will the pot last?

Green car sales rocket five-fold as drivers scoop up £5k government grants

Sales of electric and other 'green' cars have soared as drivers take advantage of low tax and running costs - and a £5,000 grant, new figures from the Department of Transport reveal. Buyers are attracted by a rise in the number of vehicles available, including cars such as BMW's i3, the top-selling Mitsubishi Outlander and , Tesla Model S.

Is this the start of a diesel tax? Islington Council charges drivers extra £96 annual parking permit fee from today

Islington charges diesel drivers extra £96 annual parking permit fee from today

Thousands of angry motorists face a controversial new 'diesel tax' levy of nearly £100 a year just to park outside their own door from today. The £96 annual surcharge by Labour-controlled Islington council in London is on top of the standard residents' permit charge and is designed specifically to penalise drivers of diesel cars.

Why Britain is the best place in Europe for women wealth creators 

Why Britain is the best place in Europe for women wealth creators 

Britain is the best place in Europe and the third best in the world for female entrepreneurs to set up a business, according to research published this week.

MONEY MORSELS: Free car checks, help with power cuts and car insurance premiums

Auto mechanic at car suspension repair work - £15 MOT and FREE winter
car check at Kwik Fit. MAIL REWARDS CLUB

Halfords will check a car's battery, bulbs, windscreen wipers, oil levels and air conditioning and top up your screenwash for free. The service takes about 15 minutes and it is available until September 21.

Loyal HSBC savers see Isa rate cut in same week as bank said its name would disappear from the High Street

best buys.jpg

The bank lured savers into its Loyalty Isa from February this year with top rates of between 1.4  per cent and 1.6 per cent, depending on which current account you held with the bank.

Paying off mortgage by the time you retire no longer 'a reality' as quarter of first-time buyers need terms that last into retirement

Paying off mortgage by the time you retire no longer 'a reality' as quarter of first-time

Nearly half of 25-34 year olds believe they require a mortgage that lasts into retirement rather than stop at 65, a survey by the Building Societies Association reveals. With many Britons living longer, buying homes later in life and retirement ages slowly rising, obtaining a mortgage that stretches past the traditional age of 65 could start to be the 'new norm', the BSA says.

'We dreamed up floor tiles that generate energy with every step': Could you come up with a green start-up idea and get a £5k helping hand?

Livewire winner Samuel Etherington,UK 2014

Do you have an idea that could hold the key to transforming the way we live, work and travel? Shell is dishing out £5,000 every month to one lucky entrepreneur.

Royal Mail shares hit as watchdog launches probe into efficiency and prices of postal service

A Royal Mail employee empties a post box in Southwark in London, England. The Communication Workers' Union has announced two 24-hour nationwide strikes beginning on October 22, 2009 over pay, working conditions and reform. 
Royal Mail Announces Profit Growth Of £671 million.

FILE - MAY 22: 
LONDON, ENGLAND - OCTOBER 16: 
 (Photo by Oli Scarff/Getty Images)

The communications watchdog said the review was prompted by the withdrawal of rival Whistl from the 'direct delivery' service, leaving Royal Mail with no competitor in that market.

Me & my money: Laura Hamilton reveals why she's relying on property to give her a pension

LAURA HAMILTON INTERVIEW: Why properties will give me a place in the sun

Laura Hamilton is best known for her role as presenter of Channel 4's overseas property series A Place In The Sun. In 2011, she was a runner-up on Dancing On Ice and this year she has joined the presenting team of Cowboy Builders on Channel 5. Now 33, she lives in Purley, Surrey, and is married to Alex, 34, an insurance broker. The couple have a son Rocco, one, and a baby girl, Tahlia. Here she explains how she buys, renovates and sell properties.

Another banking IT glitch: Nationwide customers hit as internet and mobile banking crashes

Britain's biggest building society suffered an embarrassing IT meltdown this morning which left millions of its customers unable to access internet or mobile banking.

Majestic Wine could ditch six-bottle minimum order limit as it aims to put fizz in falling profits

Majestic Graphic (Read-Only).jpg

Rowan Gormley, the founder of Naked Wines, which Majestic took over in April, has vowed to spruce up the unappealing stores of the merged firms.

The last word in passwords: Why using a software 'safety box' can keep your online accounts secure and beat the fraudsters

Passwords: Why using a software 'safety box' can keep your online accounts secure

Passwords are one of the curses of the 21st Century - but if you are struggling to remember a growing list of secret codes a 'password manager' may help. Research by credit checking agency Experian indicates that people have on average 26 online accounts - embracing everything from banking and social media to online stores and utility bills. Emma Wills changed passwords after her email was hacked

Numbers of High Street shoppers continue to fall but free parking and entertainment attract people to out-of-town centres

Shops on High Street looking towards Cardiff Castle, Cardiff, South Glamorgan, Wales, UK

A 1.5 per cent drop in footfall in UK stores dragged overall shopper numbers 1 per cent lower in May, according to the latest BRC/Springboard Footfall and Vacancies Monitor.

Sellers demand record prices as dearth of homes for sale means buyers face having to pay more, says Rightmove

For sale and to let signs outside flats in London, England.
London?s property market has taken off again after cooling for much of the
autumn ? with average prices jumping to an all-time high of £464,936 last
month.
The surprise 1.8 per cent rise meant the value of the average London home
went up by more than £8,000 in December, and was worth £65,000 (16.3
per cent) more than a year previously.

The new high is £8,218 higher than a previous record set in April, and a surprise fall in the supply of homes coming on the market has added to the upward pressure on prices.

Dial M for misery: How a phone glitch led to a whopping £2,000 bill from Vodafone - and threats from the bailiffs

How a phone glitch led to a whopping £2,000 bill from Vodafone and threats from the

If a mobile phone fault leads to a big bill who is responsible? Here The Mail on Sunday looks at how one mother's phone glitch left her owing £2,000 to Vodafone - for which she has received letters from bailiffs - and how her claim has been rejected by the Ombudsman.

How to create the perfect online password...  with a little help from an ABBA song lyric

ABBA - Waterloo

There is plenty of demand for increasingly tricky passwords - so how can you devise one both safe, and memorable?

Don't let the taxman take your loved one's savings: What you need to know about the new 'inheritance Isa'

Picture:  Craig Hibbert      10-6-15
Molly Ball at Port Solent, Portsmouth.

If a husband had £20,000 in an Isa when he died, his widow could open a £20,000 inheritance Isa in her own name. But Molly Ball was told her only option was to cash in her husband's tax-free plans.

From restoring furniture to making clocks out of cogs: How to join the 'upcyling' craze and turn your old junk into treasure

How to turn your old junk into treasure

A newcraze called 'upcycling' - where worthless junk is given a fresh lease of life by being turned into something of value - is sweeping the nation. The Mail on Sunday joins the growing army of enthusiasts and learns how to turn discarded items into treasure.

Learn how to make the most of your pension pot for FREE at The Retirement Money Show

If you are looking for tips on how and where to invest your pension, or what to do to make more of your retirement pot then the free Retirement Money Show on 20 June can help.

JEFF PRESTRIDGE: NEVER stop jumping up and down to make these pension changes work, Ros

jeff prestridge

Last week Pensions Minister Ros Altmann said the pension reforms should be given time to bed in before providers were held to account for dragging their feet.

Buying your first home? Then get on with it now as property experts forecast mortgage drought for low deposit borrowers

Buying your first home? Then get on with it now as property experts forecast mortgage

Some property commentators are forecasting a mortgage drought for low deposit borrowers - forcing first-timers to rent or stay with parents for longer as they try to build up a decent lump sum for when they finally buy. Here are some of the latest best-buy deals for first-time buyers - and the reasons why they may not be around for long. Nicola Ironside and Devin Gibb qualified for a 95 per cent mortgage for their flat in Forfar

INVESTMENT CLINIC: I want to start investing for the first time and don't know which fund supermarket to use

Take care of their own savings. 

A Nest with piggy bank.
Nest Egg

I want to start investing for the first time and don't know which fund supermarket to use. Can you recommend one?

Watchdog duo among up to 100 landlords to sue Foxtons estate agents for 'secretly' charging exorbitant commissions on repair work 

Lynn Faulds Wood and her husband John Stapleton said they felt 'cheated' after learning Foxtons was accused of charging landlords 'secret commissions' of nearly 50 per cent.

Judges turn on passport profiteer as court throws out claim made by copycat website owner against unhappy customer

Dated:19/02/2015
Ethan Wainwright from Newcastle who was ripped off by a bogus passport website. 
FAO Ben at Financial Mail On Sunday

British Passport Services website owner Richard Howard is discovering that his bullying tactics are not impressing some judges. A judge accepted a counter claim made by user Ethan Wainwright.

It's a year since the World Cup, but which DIY investing giant's fantasy fund portfolio is still putting in a winning performance?

Which fund picking platform's World Cup fantasy portfolio is winning one-year on from kickoff.

MIDAS SHARE TIPS: Kromek's ground-breakingscanners that could stop - and make - a bomb

MIDAS SHARE TIPS: Kromek's scanners that could stop and make a bomb

The 'dirty bomb' threat is growing. Islamic State is collecting radioactive materials and other dangerous chemicals as it powers through the Middle East - and even Nato is worried about what the murderous regime plans to do with them. Kromek, an AIM-listed company spun out of Durham University, has devised a way to minimise the threat posed by this kind of terrorist activity. The shares are 33½p and should increase significantly over the next few years.

SMALL CAP SHARE TIPS: Camco Clean Energy in transition as it aims to become a world leader in large-scale energy storage

A general view of solar panels. 

New wind farms and solar power programmes are among a host of green energy projects that have won contracts from the Government worth more than £315 million. 

PRESS ASSOCIATION Photo. Issue date: Thursday February 26, 2015. Contracts have been awarded to 27 renewable electricity projects which together could power 1.4 million homes, equivalent to all the households in Wales. See PA story ENERGY Renewables. Photo credit should read: Tim Ireland/PA Wire.

File photo dated 04/09/13.

Camco Clean Energy is a business in transition - and unrecognisable from the company that effectively hit the buffers in 2012 when the carbon trading market ground to a halt.

MIDAS SHARE TIPS UPDATE: Plant hire group Vp shares rise by 150%

Fork Lift truck and white van ready for loading.

Ten days ago the company delivered record-breaking results for the year to the end of March.

BT teams up with US TV channel behind Breaking Bad and Mad Men to take on Sky and HBO

BT teams up with US TV channel behind Breaking Bad and Mad Men 

The tie-up with US network AMC pits it directly against Sky, which has a deal with rival network HBO to show programmes such as Game Of Thrones in Britain. A British version of the AMC channel will begin showing on BT television in September.

Housebuilders on the crest of a wave thanks to clear outcome in the General Election

STEPHEN STONE  -  Crest Nicholson Chief Executive Stephen Stone at the London HQ before the company announce their preliminary results, Wednesday 25 January 2006. Watch for PA story CITY Crest_Nicholson. PRESS ASSOCIATION photo. Photo credit should read: Michael Stephens/PA

Crest Nicholson chief executive Stephen Stone said he expects to be building up to 4,000 homes a year by 2019 having previously pencilled in 3,500.

Naked driver with no keys, a tank that wouldn't start and an ice-cream van's race against the tide: AA reveals new adverts featuring real life emergency call-outs

The AA is launching a new TV advertising campaign using bizarre bizarre rel-life stories as the basis, including a nudist locking themselves out of their vehicle.

Owner of Rimmel mascara Coty sniffs out P&G;'s beauty brands in £7.7bn takeover 

cty-beyonce.jpg

Coty already makes perfumes for brands including Calvin Klein and Marc Jacobs and celebrities including Jennifer Lopez, Beyonce (pictured) and David Beckham.

APR Energy forced into lender talks after profits woe 

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Delays to signing new customer contracts and higher costs in getting out of its Libyan operations mean profits will be significantly below expectations this year, it warned yesterday.

Sales of top hats and gloves boom on back of dress-up demand for British events such as Royal Ascot

Sales of top hats and gloves boom on back of dress-up demand for British events such as

Royal Ascot is not just about the gee-gees: for many it is all a big excuse to dress up and have fun. Sales of top hats and gloves are booming on the back of a surge in demand for such events. London-based menswear specialist Oliver Brown - the only firm allowed to sell silk top hats inside the gates of Royal Ascot - has seen a spike in trade ahead of the annual racing event.

'Bad bank' hits profit: Lender set up to deal with the wreckage of Northern Rock and Bradford & Bingley is more profitable than RBS, TSB and Virgin Money put together

UKAR Graphic (Read-Only).jpg

UK Asset Resolution posted an 11 per cent jump in profits to £1.4billion for the year until the end of March driven by rising house prices and an improving economy.

Fruit supplier to M&S; Carmel Agrexco eyes stock market listing of its strawberry business

Punnet of fresh strawberries. Image shot 2008. Exact date unknown.

Carmel Agrexco, which is behind the Carmel label on fruits and vegetables seen in supermarkets, is looking to spin off its strawberry business in a £32million public offer.

Cuadrilla Resources wins bid to begin fracking near Blackpool as go-ahead could see other firms applying for permission

Anti-fracking and climate protesters block the gate to the test drill site operated by British energy firm Cuadrilla Resources in Balcombe, southern England, on August 19, 2013 after campaigners announced they planned to take 'direct action' at the site.  

British energy firm Cuadrilla scaled back its operations at the rural site where it is test drilling for oil as hundreds of protesters hold a six-day "action camp" in protest against the process of fracking and the exploitation of fossil fuels. Hydraulic fracturing involves using huge amounts of pressurised water mixed with chemicals to crack open shale - sedimentary rock containing hydrocarbons - to release natural gas. Cuadrilla, which specialises in fracking for shale gas, is not currently using the technique at the test drill site in Balcombe.   

AFP PHOTO / BEN STANSALL        (Photo credit should read BEN STANSALL/AFP/Getty Images)

Cuadrilla's plan to frack at Preston New Road got approval but its application for a nearby site at Roseacre Wood was rejected due to traffic concerns.

Bookies bet on Ascot: Annual event gives vital boost to Britain's betting companies

City Focus Graphic (Read-Only).jpg

Ascot is the biggest betting week of the summer. It is an even bigger deal for the betting firms this year with the absence of major football tournaments.

Thomas Cook targets Chinese tourists as it strikes joint venture with China's ClubMed owner Fosun

Thomas Cook targets Chinese tourists as it strikes joint venture with China's ClubMed

The venture, in which Fosun will owe a 51 per cent stake and Thomas Cook the remaining 49 per cent stake, will see domestic, inbound and outbound holidays sold to the expanding wealthy Chinese middle-class. The announcement comes just months after Fosun, which is led by the 'Warren Buffet of China' billionaire Guo Guangchang, bought a 5 per cent stake in Thomas Cook for £91.8million.

Trouble for Tesco as Moody's says supermarket giant needs £5bn to get back on track  

The warning underlines how far the struggling supermarket has to go to get back on track, having already slashed thousands of jobs to cut costs.

Net-A-Porter bags first profit for five years as annual sales reach over £650m 

The group made £11million profit in the year to the end of March, compared with a £9.7million loss the previous year.

Campaigners call for RBS chairman in-waiting Sir Howard Davies to quit UK airport role amid fears of bias on runway decision

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 suggested clash comes from Davies position as chairman in-waiting at Royal Bank of Scotland, which Heathrow and Gatwick are major clients of.

Deal between LSE and Hong Kong regulators opens UK to Chinese investors 

An office worker looks at a screen showing trading on the FTSE 100 index. The amount consumers have invested in shares has reached its highest level for more than three years as people's confidence in the stock market grows, research suggests. Private investors collectively had £233 billion invested in shares at the end of February, the highest level since November 2007, according to share registration group Capita Registrars. The group said the rise reflected both the recent stock market recovery, and the fact that people were increasing their holdings in equities, with £473 million of new money invested during the three months to the end of February. See PA story MONEY Investors. Photo credit should read: PA Wire. PRESS ASSOCIATION Photo. Issue date: Monday March 28, 2011. 
Embargoed to 0001 Monday March 28
File photo dated 15/09/08

The LSE Group announced it has received the green light from the Hong Kong's Securities and Futures Commission to allow Hong Kong firms to become members of the London Stock Exchange.

This year's £1.3bn of funding to set digital firms on a hiring spree as tech start-ups see 'terrific' growth

This year's £1.3bn of funding to set digital firms on a hiring spree

Investment in young technology companies is set to create 20,000 jobs in the UK this year, according to research by Future Fifty, a programme to help 50 of Britain's leading digital companies grow much bigger, and job search engine Adzuna.

New online funding market is proving to be a gem for jewellery maker Lucy Sherwood

Picture: Craig Hibbert  11-6-15
Lucy Sherwood from Rock & Raw Jewellery.

Business owners visiting FundingXchange.co.uk answer a few questions about their needs and potential lenders respond with individual quotes, bidding for the chance to lend.

Small companies home in on remote working - but most British workers still denied flexible hours 

Young businesswoman carrying cardboard box containing personal items and pot plant in open-plan office.
REDUNDANCY / WOMEN /

The survey of 2,900 small firms, out today, revealed that 82 per cent of senior small company managers support the concept of remote working.

Merchant bank Close Brothers sets an example as it launches scheme to help firms to take on apprentices

Rebecca_Taylor - AMRC apprenticeships

PR HANDOUT

Stephen Hodges, chief executive of banking at Close Brothers, last week launched a scheme contributing towards costs to help firms that would otherwise be unable to take on an apprentice.

The Diary of a Private Investor: It's always nice to have some cash ready to take advantage of a summer storm

The Diary of a Private Investor: It's nice to have some cash ready for a summer storm

'We are entering the summer months, the Greek debt crisis rumbles on and the US is listless, so I'm holding some cash ready for opportunities', writes our investing columnist. John Rosier reveals how his portfolio fared in May, its winning and losing shares and why he is buying into Tribal Group.

A risky punt to earn 7.5%: Four year mini bond offers an attractive rate but no protection 

stock-photo-bullions-and-piggy-bank-in-a-security-safe-75070123.jpg

Financial services firm Providence Global has issued a new four-year mini bond. Savers will be paid interest in quarterly instalments and must invest a minimum of £1,000.

INVESTMENT EXTRA: The funds that are invested in risky AIM shares - with varying degrees of success

The appeal to savers is the speedy growth prospects. Smaller companies have the potential to skyrocket in value, and to reap the rewards you have to invest at the start.

30 second guide to... Deflation MYTH

BALL , football, deflated black and white ball.   (Photo by Katrin Wuertemberger/Bongarts/Getty Images)
2001
HAMBURG, GERMANY - SEPTEMBER 26:  2001, Hamburg; 
Ausruestung
Ball
Ball
Close-up
Diverses
Flau
Fussball
Luft
Raus
Querformat
Randszene
Symbolik
Platt
Deutschland;
Equipment
Miscellaneous
Soccer
Symbolism

The story goes that Britain suffered one month of 'deflation' - or falling prices - when the consumer prices index (CPI) measure of inflation fell to minus 0.1 per cent in April.

Should I be using ETFs instead of mutual tracker funds - and will I be able to hold them in my Isa and Sipp if I do?  

Balance, Equality, Moral Dilemma, Scales of Justice, Justice, Weight Scale

I have heard I could cut costs by using ETFs - exchange traded funds. Is that right, and would I be able to hold them in my ISA and pension to keep my saving tax efficient?

Goin' loco down in Rock and Padstow: Two thirds of Britons expected to take a domestic break this year - with 'Poldark effect' set to crowd out Cornwall

'Poldark effect' will see two thirds of Brits take a domestic break this year

Two thirds of us are expected to take at least one British break this year and Cornwall is the number one destination to visit, research has revealed. Dubbed the 'Poldark effect,' after the popular BBC television show was set in Cornwall, nearly half of those planning a British break will head to the South West.

The stamp duty postcode lottery: Buyers in the South West benefit most from changes saving £5k on average

The South West has seen the biggest benefit from stamp duty band changes that came into force last December - highlighting the property tax postcode lottery.

How a new express rail service to London is to boost property prices in North Oxford and the villages around

The Oxfordshire market town of Woodstock and pretty satellite villages are set to join the commuter belt with the opening of a new high-speed rail link eight miles away

Classic car lovers snap up everything from a Rolls Royce, to a Skoda convertible and a 1940s London bus, as entire motor museum goes under the hammer

Buyers snap up classic cars as entire Stondon motor museum is auctioned

Iconic cars on offer when the Stondon Museum collection was sold ranged from an Aston Martin Lagonda, to a Rover SD1 police car, and Ford Model T. But buyers could also pick up some even more exotic items, including a former Russian Army Soviet 4x4 Amphibious Battle Support Vehicle and a 1948 AEC Regent III RT London bus.

SIMON LAMBERT: Nationwide's decision is shocking.... it has raised my savings rate

Nationwide's decision is shocking.... it's raised my savings rate

Savers have suffered years of cuts and weasel word excuses as banks and building societies have raised margins. To give Nationwide some credit, this little rate hike highlighted in my letter is now a move in the right direction. Could it be a sign we've seen the bottom?

Property prices set to rise 25% in five years: Housing market in supply crisis as homes for sale plunge to lowest level for 37 years

An 'acute shortage of supply' continues to push UK house prices up, with surveyors expecting prices to rise by 25 per cent in the next five years, the Royal Institution of Chartered Surveyors said.

Who pays the most to park in their own street? Birmingham and Manchester are most expensive areas in parking permit postcode lottery

Brown sandstone bank and office buildings, Colmore Row, Birmingham City centre, England

The most expensive boroughs where to park are Manchester and Birmingham, where the council charges £750 for an annual resident parking permit.

How much can you afford when buying a home? Fulfil your property dream without overstretching

How much can you afford when buying a home?

'How much can we afford?' That is the crucial question most homebuyers will ask themselves, whether they are taking their first step onto the housing ladder or trying to climb further up it. Successfully buying a home isn't about getting the biggest mortgage possible, it is also vital to avoid overstretching. We reveal how to work out what you can afford

If food inflation is negative - why is the price of a pint of beer still going up like the clappers? ADRIAN LOWERY blames the New Beards...

If food inflation is negative – why are beer prices still soaring?

It's one of the classic cases of business taking something that was enjoying a renaissance and marketing it back to us at inflated prices as a lifestyle choice. Except this time in league, ironically, with bearded hipsters on fixed-gear bicycles. In fact they are the marketing executives - as in the case of pretend punks, BrewDog.

I booked tickets for One Direction at the front of the stadium - so why have I been allocated seats at the back? 

Harry Styles, Liam Payne, Louis Tomlinson and Niall Horan members of English-Irish pop boy band One Direction appear on NBC's Today Show to release their new album "Four at Universal City Walk at Universal Orlando in Orlando, Florida, USA on November 17, 2014.


ORLANDO, FL - NOVEMBER 17:  Harry Styles, Liam Payne, Louis Tomlinson and Niall Horan of One Direction appear on NBC's Today Show to release their new album "Four at Universal City Walk At Universal Orlando on November 17, 2014 in Orlando, Florida.  (Photo by Gustavo Caballero/Getty Images)

I booked tickets for my daughter in the Yellow zone where all her friends planned to be. But when the tickets arrived they were for the Blue zone at the back of the arena.

I'm going to Madrid this weekend - just when Spanish air traffic controllers are going on strike. Will I get compensation if my flights are cancelled or delayed? 

BA4762 Queue for check in San Pablo airport Seville Spain

If we are not allowed to fly and our whole trip is cancelled, will we get our money back? Will we get compensation if we end up spending hours in Heathrow and Madrid airports?

When should you start drawing the state pension? How delaying for just a year could net you £10,000

Delaying your state pension for just a year could net you £10k

People reaching official retirement age before next April get a 10.4 per cent boost to their future income for each year they put off taking the state pension. If you defer for just one year, that works out at £410 extra annually or £10,100 if you live for 24 and a half years beyond your state pension age. If you can afford to postpone for seven years, your state pension will be £1,640 higher a year or £40,300 altogether, according to a study by Fidelity Worldwide Investment.

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

Investing Show: Why Buffett-style value investing beats the marke

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. We also discuss the shares that have the power to move the FTSE 100 and how the market rates them and their dividends, along with the prospect for supermarkets and a surprise finding on who the best investors are.

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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

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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

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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

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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.

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£50,000 219HQ388251 North Yorkshire
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Thomas Cook targets Chinese tourists as it strikes joint venture with China's ClubMed owner Fosun

MUNICH, GERMANY - APRIL 17: (FILE PHOTO)  Thomas Cook airplanes are parked at Munich Airport on April 17, 2010 in Munich, Germany.  The company has begun talks with their banks following a fall in trading during the current quarter and will delay releasing full year results until the discussions have been concluded.   (Photo by Alexander Hassenstein/Getty Images)

The venture, in which Fosun will owe a 51 per cent stake and Thomas Cook the remaining 49 per cent stake, will see holidays sold to the expanding wealthy Chinese middle-class.

Cuadrilla Resources wins bid to begin fracking near Blackpool as go-ahead could see other firms applying for permission

Anti-fracking and climate protesters block the gate to the test drill site operated by British energy firm Cuadrilla Resources in Balcombe, southern England, on August 19, 2013 after campaigners announced they planned to take 'direct action' at the site.  

British energy firm Cuadrilla scaled back its operations at the rural site where it is test drilling for oil as hundreds of protesters hold a six-day "action camp" in protest against the process of fracking and the exploitation of fossil fuels. Hydraulic fracturing involves using huge amounts of pressurised water mixed with chemicals to crack open shale - sedimentary rock containing hydrocarbons - to release natural gas. Cuadrilla, which specialises in fracking for shale gas, is not currently using the technique at the test drill site in Balcombe.   

AFP PHOTO / BEN STANSALL        (Photo credit should read BEN STANSALL/AFP/Getty Images)

Cuadrilla's plan to frack at Preston New Road got approval but its application for a nearby site at Roseacre Wood was rejected due to traffic concerns.

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