'Interest rates may need cutting to zero': Economist breaks from Bank of England colleagues with claim that ultra-low inflation makes rate rise unlikely

Bank of England chief Andy Haldane could set NEGATIVE interest rate

Appearing to contradict Governor Mark Carney, Andrew Haldane said ultra-low inflation and sluggish growth meant that a move downwards for the bank rate was as likely as a hike. Households have been warned repeatedly by Mr Carney and other Bank officials to expect rising mortgage payments in the next year as the economic recovery and wage growth sees the base rate nudged up.

Shares across the world plummet on Fed's call to keep rates on hold

The American central bank pegged rates at between zero and 0.25 per cent on Thursday night after one of the most anticipated meetings in its history.

Singapore now offers best quality of life for British expats according to annual survey as Australia and Canada slide down the list

Singapore now offers best quality of life for British expats according to annual survey as

Expats looking for the best quality of life away from Britain should seek jobs in the Far East, according to the latest annual index from NatWest International. Topping the chart for the first time since the report started eight years ago is Singapore, seeing itself sling from fourth place to top the polls in 2015.

It's time to sell up your home OAPs told: Anger as financial watchdog tells elderly to downsize to tackle housing shortage 

Lynda Blackwell, head of mortgages at the Financial Conduct Authority, said Britain had a 'real issue with the last-time buyer'. But her comments were described as 'insulting' and 'unhelpful' last night.

Lloyds in sights of Serious Fraud Office over alleged 'collusion' 

The SFO yesterday said it was giving 'active consideration' to opening an investigation following allegations made by MPs about the way their constituents were treated by the lender.

Lidl payrise may trigger wage increases at other supermarkets as discounter boosts pay for 9,000 workers by £1.2k a year

Shoppers leave a supermarket of German discount grocery chain Lidl in Berlin, Germany. 
Lidl is under investigation by the German Ministry of Interior and faces possible lawsuits by employees after it was revealed that the company has been systematically spying on its employees. According to an investigation by the German magazine Stern, Lidl used miniature cameras and sound recording equipment to monitor activity such as how often employees went to the bathroom and personal relationships between employees, as well as to make notes of conversations, appearance and demeanour. The service industries union ver.di is encouraging Lidl employees to file charges in court. German has strict laws on the collection and use of private data.  
(Photo by Carsten Koall/Getty Images)

The German discounter will pay more than Living Wage recommendations, by increasing its minimum pay across England, Scotland and Wales from 7.30 to £8.20 from October 1.

Death IS the only escape: Pensioners pay 11% of total income tax revenues - and Londoners are the biggest contributors

Closeup of UK tax return form with HM Revenue & Customs logo.

Over 65s' share of UK's income tax payments was 11 per cent, or £17.5billion, of the £157billion total income tax paid for the tax year 2012/13, according to Predential.





MARKET REPORT: ITV lines up for Rugby World Cup win as the battle begins   

MARKET REPORT: ITV lines up for Rugby World Cup win as the battle begins   

With 44 days of Rugby World Cup having kicked off on Friday night with hosts England taking on Fiji, the listed commercial broadcasters - which unusually for free-to-air services have exclusive rights to the tournament - will be hoping for a good showing from the home nations to boost their viewing and advertising figures. In a note on the benefits of RWC 2015 to the terrestrial network - which includes blue-chip ITV, Northern Irish firm UTV Media and Scottish group STV - broker Peel Hunt pointed out that ITV's share of viewing in the year to date has been declining but that this could be remedied in part with good audiences for the rugby.

Dyson looks to Apple for inspiration as it prepares for London shop opening 

The maker of bagless and cordless vacuum cleaners is expected to open its doors opposite the upmarket Selfridges store on London's Oxford Street by Christmas, according to Retail Week.

Petra shines despite fall in price of diamonds as demand weakens and revenue drops

The miner is paying a maiden dividend of nearly 2p a share and expects the size and quality of its stones to improve next year when it expands its mines.

SAB forced to sell Chinese beer brand to seal £177bn AB tie-up

The two companies are in talks to create an industry titan with brands that include Stella Artois, Budweiser and Peroni.

ALEX BRUMMER: Growth on the sword as global economy looks gloomy

Hot on the heels of Janet Yellen's rejection of an early rise in American interest rates, Bank of England chief economist Andy Haldane has planted his own flag.

BEN GRIFFITHS: Rugby deal not so good for Guinness or the fans 

Thanks to a £20m marketing deal with Heineken, not a drop of the black stuff will be on sale anywhere at Twickenham or other World Cup venues for the entire tournament.

Are chocolate bars smaller, or are you just getting bigger? Research shows Mars Bars have shrunk 28% since 1990s and Yorkies 20% since 1970s launch...

Research shows chocolate Mars Bars have shrunk 28% since 1990s

New research backs up the complaint: many of our favourite chocolate bars have shrunk since the 1990s, even if they are now similar to the smaller sizes that were common in the 1980s. According to the study by kitchen specialists Appliance City, nearly eight in 10 Britons believe chocolate bars are getting smaller - and Mars bars are indeed a whopping 28 per cent lighter now than they were in the 1990s, albeit not much changed from their size in the 1980s.

Cuts to solar panel subsidies will scare investors and cause 20,000 job losses, businesses and campaigners warn

Workmen installing solar panels on to the roofs of homes in Delabole near Bodmin as the Government is set to announce plans to reduce subsidies for household solar electricity this week, with fears that the payments could be slashed by half. 

PRESS ASSOCIATION Photo. Issue date: Sunday October 30, 2011. See PA story ENVIRONMENT Solar. Photo credit should read: Simon Burt/PA Wire.

File photo dated 27/04/2011.

Businesses, unions, campaigners and energy sector bodies have joined calls for the Government to rethink its proposal to dramatically axe feed-in tariff payments from next year.

It's time to debunk the myth - Copenhagen is not an expensive spot to visit and has all the ingredients for a top city break, says LEE BOYCE

Before and after a recent weekend city break to Copenhagen, the first question friends, family and acquaintances have asked is: so, just how expensive was it?

Revealed: Ten most common mistakes job hunters make on CVs and overused clichés that can put employers off

Ten most common CV mistakes and clichés that can put employers off

The average boss looks at a curriculum vitae for just three minutes while one in five make a decision on a candidate in less than 60 seconds from gleaning it, research has found. Despite almost a quarter of candidates claiming they have excellent written communication skills, many of them fall foul of using worn clichés in their CVs, the survey of 2,000 from New College of the Humanities found.

Bought a Land Rover Defender recently? It could soar in value as they are now 'sold out' - and production ceases soon

The last of the current model of Land Rover Defender are selling for thousands of pounds more used than they did new, according to latest data from CAP Automotive.

Liverpool is the whiplash capital of the UK as more than HALF of road accidents in the city result in an injury claim

The North West as a region had the highest proportion of claims from crashes at 43 per cent, according to the Institute and Faculty of Actuaries.

Revealed: Top 100 companies for customer service - and First Direct pushed into second place by cosmetics firm Lush

Consumer favourite First Direct loses crown to Lush in battle of the brands

First Direct was beaten to the top spot by cosmetics company Lush in two high profile customer service polls, although it was praised for offering consumers 'a different type of bank'.
Three financial services firms made it in to the top 10 of the KPMG Nunwood report, but none of the big four banks even made the top 100.

Dollar slams into reverse and shares dip after US Federal Reserve rejects chance to begin interest rate rises

NEW YORK- DECEMBER 18: Traders work the floor of the New York Stock Exchange December 18, 2003 in New York City. It was announced December 18, 2003 that John Thain, the president of Goldman Sachs Group Inc., will become the new chief executive of the New York Stock Exchange (NYSE). In morning trading, the Dow Jones industrial average was up 44.67.  (Photo by Spencer Platt/Getty Images)

It pointed to worries about the global economy following weeks of turmoil on financial markets and mounting fears over a sharp slowdown in China.

Rugby fans warned not to buy World Cup tickets from touts as thousands face watching games on TV after paying £400 for fakes 

Some supporters will be forced to watch games on TV as tickets fail to arrive ahead of the tournament's kick off tomorrow. The warning comes after police seized a parcel containing 300 tickets for games.

Fiat in black box deal to help younger buyers struggling with insurance premiums to buy company's 500 city car

Underwritten by Zurich, the Carrot scheme, as its name implies, lets users earn up to 15 per cent of their premium back if they drive well according to an on board black box.

One in six will be hit by a fee of up to £5,000 when cashing pension: Almost 700,000 over-55s will have to pay to access their savings

New rules on pension withdrawal follow a Westminster pledge by George Osborne (pictured) that they could be used like bank accounts. But those wanting to do so face stiff penalties.

INVESTMENT EXTRA: Be bullish on Indian prospects as China's economy wanes  

INVESTMENT EXTRA: Be bullish on Indian prospects as China's economy wanes  

When the Chinese stock market recently slumped by 8 per cent in just one day, the cheers in India could be heard across the border. This apocryphal tale - told by City wags who made money shorting Chinese stocks - does hold an element of truth, though, as the misfortunes of its neighbour have done wonders to highlight India's own economic prowess. And they have also served to remind investors seeking spectacular growth that there is a decent alternative to China.

Global markets on the slide after US Federal Reserve sits on the interest rate fence

A stock trader watches the developments of the stock market on their monitors in the Frankfurt Stock Exchange in Frankfurt Main,?Germany 13 June 2013. The stock exchange in Frankfurt fell below 8,000 points eralier on 13 June in response to falling prices in the Tokyo stock market, but was able to climb back above 8,000 points amid nervous trading in the afternoon.  EPA/BORIS?ROESSLER

Markets had anticipated that interest rates would be left untouched at 0 to 0.25 per cent but most had been hoping for a more upbeat tone.

The easy way to claim compensation for delayed flights: Student's parking ticket appeal website is now targeting airlines

The easy way to claim compensation for delayed flights: donotpay.co.uk is now targeting

A student entrepreneur who created a website for drivers to quickly appeal parking tickets has seen 50,000 sign-ups after This is Money originally covered the launch earlier in the month. Joshua Browder, who is 18 and now currently studying at Stanford University, California, created his website donotpay.co.uk as a summer pet project.

Ryanair could face heavy slice of £4billion delay bill after landmark European Court ruling in favour of passengers

Ryanair's CEO Michael O'Leary as Ryanair's 30% stake in Aer Lingus damages competition on routes between Britain and Ireland and must be cut to 5%, a regulator has ordered. PRESS ASSOCIATION Photo. Issue date: Wednesday August 28, 2013. The Competition Commission said the shareholding, which Ryanair has held for seven years, weakens its main competitor and could prevent Aer Lingus from combining with another airline in order to build scale. See PA story CITY Ryanair. Photo credit should read: Steve Parsons/PA Wire

The Civil Aviation Authority (CAA) said the airline has been breaking the law by denying compensation to travellers whose flights were delayed by airplane technical faults.

Revealed: The locations of the 11 Morrisons stores set to close as supermarket cull puts 900 staff out of work

Morrisons reveal the stores closing as supermarket cull puts 900 out of work

Yorkshire-based Morrisons outlined plans for the closures last week as part of a dramatic revamp, but has only now revealed which stores will be hit. Most of the closures are in the North, Morrisons' traditional stronghold. Supermarkets in Salford, Manchester and Sunderland will all close, while the Midlands, the West Country and London have been hit too.

Nearly 113,000 council houses could be sold off under Government plans to expand Right to Buy scheme, housing charity warns

In the London borough of Kensington and Chelsea, 97 per cent of all council-housing stock would end up having to be sold off into private hands once vacant, housing charity Shelter says.

Fixed savings rates creep higher as challenger bank's new two-year bond offers 2.4% interest

Fixed savings rates creep higher as Paragon's two-year bond offers 2.4%

The challenger bank hiked the rate by 0.15 percentage points to leapfrog RCI Bank 's 2.35 per cent at the top of the independent This is Money fixed-rate savings table. It comes as a number of providers in recent months have focused on straight forward fixed-rate bonds, a large percentage of which are for 12 months.

Has Santander just killed off Britain's best bank account? Spanish lender to hike fee on flagship deal by 150%

Mandatory Credit: Photo by Ray Tang/REX Shutterstock (2594891c)
 Myleene Klass and Jenson Button
 Santander Student Current Account, Railcard Offer photocall, London, Britain - 26 Jun 2013

This week, Santander announced it would hike the fee on its flagship 123 current account,promoted by Formula 1's Jenson Button, here with Myleene Klass, by 150% from £2 a month to £5.

Bills and charges make up majority of complaints about water companies despite overall improvement, watchdog finds

Mature man sitting on floor by sofa, reading papers
Used with Metro article looking at switching to cheaper bills
creative rights managed

Complaints to water companies have fallen for the seventh year in a row, but the gap between the best and worst firms remains 'unacceptable', an industry's watchdog said.

Global markets on the slide after US Federal Reserve sits on the interest rate fence

Global markets on the slide after US Federal Reserve sits on the interest rate fence

Markets had anticipated that interest rates would be left untouched at 0 to 0.25 per cent but most had been hoping for a more upbeat tone. In her statement Federal Reserve chair Janet Yellen stressed worries over record low inflation in the US economy and the slowdown in China.

Worldpay ripe for £6bn float on London Stock Exchange next month 

The firm processes payments made online, in shops and over the phone - with its largest customers including British Airways, Sony and Google.

Glencore berated by investor groups over £1.6bn deal as shares fall nearly 5% 

Glencore completed the £1.6billion share placing this week to pay down some of its £19billion debt pile amid fears its credit rating could be cut.

As London Fashion Week kicks off retailers are hoping for a much-needed boost

As London Fashion Week kicks off retailers are  hoping for a much-needed boost

Despite a boost last month from demand for school uniforms, figures from the Office for National Statistics showed high street sales rose just 0.2 per cent. This was better than the stagnation seen in July but was disappointing nonetheless. Ruth Miller, an analyst at Capital Economics, said: 'We doubt that this signals a more widespread slowdown in the consumer recovery.

Theme park owner Merlin Entertainments says wet weather and memories of Alton Towers accident continue to weigh on business

While the third quarter revenues were in line with expectations, rising 0.3 per cent, chief executive Nick Varney said it could take until 2017 before trading returns to normal.

Competition regulator gives all-clear for Poundland's £55m takeover of discount chain rival 99p Stores

A general view of a Poundland store in Brixton, London. 

Bargain chain Poundland is to expand into the eurozone after today announcing plans for a number of new stores, starting in debt-ridden Ireland. 

PRESS ASSOCIATION Photo. Issue date: Tuesday August 2, 2011. 

See PA story CITY Poundland. Photo credit should read: Dominic Lipinski/PA Wire

File photo dated 11/01/09.

The acquisition, which Poundland said it would aim to complete by the end of September, will add 251 shops to Poundland's current 588 outlets to create a network of more than 800 stores.

ALEX BRUMMER: You have to wonder if Federal Reserve, under dovish leadership of Janet Yellen, will ever raise interest rates

ALEX BRUMMER: You have to wonder if Federal Reserve, under dovish leadership of Janet

At the recent meeting of the leading G20 economic nations in Ankara the emerging market countries urged the Fed to raise rates and bring an end to the uncertainty that has swept through their financial markets. Instead, the Fed has decided that despite robust recovery in the US that ZIRP - Zero Interest
Rate Policy - remains in place. The main reason is 'concern over global developments'.

Insurance consolidator Phoenix makes approach to smaller rival Guardian in potential £1billion tie-up

The Lloyd's Building, home of the insurance institution Lloyd's of London, and is located at One Lime Street, in the City of London, England. It was designed by architect Richard Rogers and built between 1978 and 1986. Bovis were the management contractor for the scheme. Like the Pompidou Centre (designed by Renzo Piano and Rogers), the building was innovative in having its services such as staircases, lifts, electrical power conduits and water pipes on the outside, leaving an uncluttered space inside. The twelve glass lifts were the first of their kind in the UK.

Britain's largest-listed consolidator of closed life funds confirmed that it has approached Cinven - Guardian's owner - about joining forces and creating a firm with £70bn of assets under management.

Record financial year for JD Sports with demand for hoodies and trainers high at home and abroad

JD Sports.jpg

Pre-tax profits jumped 82 per cent  to £46.6m for the 26 weeks to August 1 as its expansion into France and Germany paid off.

Shares in electronics group Premier Farnell dip after second profits warning in two months

Raspberry Pi computer designed Ebden Upton.


The group slashed its dividend by 40 per cent to a miserly 2.6p a share after reporting that first-half profits slid 16 per cent to £30.6million.

African miners pay the price of Glencore pain: Huge £20bn debt pile means 4,000 face axe

It's all part of the firm's plan to reduce its groaning debt and boost profits. Under pressure from investors, copper output in Zambia and the DR Congo is to be suspended for 18 months.

SPECIAL REPORT: Why millions of Britons will never get the £151-a-week new state pension  

SPECIAL REPORT: Why millions of Britons will never get the £151-a-week new state pension  

This flagship policy was heralded as the biggest overhaul of the state pension since it was launched in 1909. But a series of Money Mail exposés have revealed how millions of workers, Geoff Sutton, Gina Smith and Beverley Blackham (pictured left to right) won't get the state pension they were promised. The biggest complaint from those retiring is of unfairness.

The pension fiasco: This shambolic affair is a lesson in why it pays to be transparent, says JAMES CONEY

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

Most problems with the new state pension could have been dealt with two years ago, had ministers been more sincere about how it would be paid.

New state pension shambles: Millions are livid because they're not getting what they were promised - and it's so complex even experts are baffled 

Broken Piggy Bank with hammer; Shutterstock ID 120556300

From April 6, the current basic state pension will be replaced by a new payout that ministers pledged would leave many better off and put an end to the complicated system of credits and top-ups.

The 'luxury flats' on Egypt's Red Sea coast that have cost British holidaymakers their life savings... but have never been finished

Egypt's Red Sea flats that have cost Britons their life savings

Scores of Britons including David and Susanne Lewis (inset bottom left) were convinced to buy luxury apartments at the Oasis Marina resort in Hurghada but many now face financial ruin because it's still nothing more than a building site. Despite a five-year battle to force developer Ehab Shahwan (inset centre) to finish the work, or repay people, many are out of pocket. Incredibly, flats there are still being advertised on the internet.

One in 10 of over-65s are still in work: More than a million people have now put off retirement

Old age pensioner worrying about bills
Elderly woman looking through her utility bills, forms


The number of over-65s in work is rising three times faster than the rate for younger people - with more than a million older people now putting off retirement.

Pound jumps on rate rise fever as real wages grow at fastest rate in six years and employment hits new highs

File photo dated 04/04/06 of a person withdrawing money from a cashpoint as Most people want the Government to scrap controversial plans for regional pay, believing the move would be unfair on public sector workers, according to new research. PRESS ASSOCIATION Photo. Picture date: Tuesday September 25, 2012. A survey of over 1,000 adults for the TUC found that only one in four supported the idea of different wage rates for nurses, teachers and other workers, in different parts of the country. Around two thirds said the plans should be dropped and a similar number described regional pay as unfair. See PA story INDUSTRY Pay. Photo credit should read: Gareth Fuller/PA Wire

Total pay was up 2.9% in the three months to July - above the 2.5% figure expected - and at the fastest pace of growth since early 2009. The data sent the pound soaring against the euro to €1.376.

ASK TONY: Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her affairs

ASK TONY: Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her

My 90-year-old mother suffered a fall in April, was in hospital for several weeks and has deteriorated mentally. I registered the lasting power of attorney, which was already set up for me and my son. At first, Nationwide refused me access to my mother's money, even after I explained she was in a hospital bed with a chest infection and advancing Alzheimer's.

Diesel drivers could be in for sharp price rises as UK relies on imports to meet growing demand

Female Motorist Filling Car With Diesel At Petrol Station

Diesel use has soared by 76 per cent over the past twenty years, with the number of diesel cars soaring from 1.6million in 1994 to 11million in 2014, the RAC Foundation has found.

Two-thirds of pension savers want to go travelling once they hit retirement - but half admit they're not saving enough

An energetic elderly couple messing about at waters edge

A survey of nearly 2,000 working adults aged between 18 and 65 shows that 62 per cent want to go for a trip or multiple holidays once they reach pension age.

Banks battle for customers: Tesco scraps £5 current account fee after Santander slaps 150% charge hike on customers

Tesco Bank scraps current account fee after Santander tells 123 customers it will hike

Currently, its customers pay a £5 monthly fee if they deposit less than £750 a month - but from Thursday, this will be removed. Tesco Bank current account holders earn three per cent interest on credit balances up to £3k. This will no doubt make Tesco's a tempting prospect for disgruntled Santander 123 current account holders.

House prices up £5k in July compared to previous month - but annual growth continues to slow after last summer's boom

House prices in Britain were up 5.2% in July 2015 compared to a year ago, down slightly from the annual growth of 5.7% recorded in June, ONS data shows.

How imminent rate rises and the China slump are raising fears of new financial crisis seven years after Lehman Brothers collapse

The gathering storm: Fears of new crisis seven years after Lehman Brothers fall

Watchdogs, including the International Monetary Fund, the World Bank and the Bank for International Settlements, are concerned about the onset of another crisis. Consultants at McKinsey believe that global debt has risen by £37trillion or 17 per cent of global income since the fall of Lehman, while a report by BIS warns that debt levels have reached extreme levels - leaving the financial system vulnerable to higher interest rates in the US.

Cost of living freeze continues as cheaper clothes take consumer price inflation back to zero

A stock photo of a woman shopping at clothing store in Tallinn, Estonia.

Image by   Mika/Corbis

The continued freeze in the cost of living - after a tiny 0.1 rise in July - eases the pressure on the Bank of England to raise interest rates.

75% fall in annuity income in 15 years: Ageing population and rock bottom interest rates blamed for the fall on pension income 

Financial website Moneyfacts blamed the drop on an ageing population leading to lower yearly payouts and market conditions, such as rock-bottom interest rates and lower returns.

Broadband and phone customers face escalating costs as TalkTalk reveals 'eye-watering' price hike of 50%

TalkTalk customers face 'eye watering' price hikes of up to 50% from October

The move follows rises from Sky, Plusnet and Virgin Media, and imminent hikes from BT. Hannah Maundrell, editor in chief of comparison website money.co.uk, said: 'This isn't the first time TalkTalk has hit customer with increases, in fact over the last year alone they have increased the cost of their flagship product by 114 per cent.'

Lack of property for sale intensifies as new listings drop by 20% over the summer - and London suffers biggest supply drought

BN098X Green canal barge moored on Grand Western Union Canal near Taunton Somerset UK

Since the start of June, not a single borough in London has seen an overall rise in new property listings, with listings dropping by 24.8 per cent across the capital from June to August.

Only got a 5% deposit? First-time buyers offered a helping hand with sub-4% two year fixed-rate deals from Nationwide and Yorkshire Building Society

Only got a 5% deposit? First time buyers get a helping hand

It can be difficult to get a good mortgage rate when you can only scrape together a 5% deposit. These two deals aim to help get buyers on the ladder to buy their first home. The YBS rate and fees are lower, but Nationwide offers cashback to new buyers to sweeten the deal.

Nationwide offers £100 cash perk for new current account customers - on top of 5% interest on balances

Customers signing up to Nationwide's Flex Direct current account through Money supermarket can grab a £100 cash sign-up bonus. The account already pays 5 per cent in-credit interest.

Households warned annual energy bills could soar by £300 as fixed-rate tariffs come to an end

On Wednesday 30 September, 24 fixed-rate deals come to an end, including those from British Gas, First Utility and Scottish Power.

Stick to your guns and stay diversified: Investors should stay calm in the face of a market correction, says investing expert Paul Resnik 

Stick to your guns and stay diversified says investing expert Paul Resnik 

We could be about to witness a market rout, according to the FinaMetrica co-founder, but investors need to stick with their asset allocation and avoid knee-jerk reactions.
Stay within a risk range you are comfortable with and make sure not all your eggs are in one basket.

Interest rates must rise soon as British wage growth picks up, says Bank of England policymaker

Dr Martin Weale, member of the Bank of England's Monetary Policy Committee talks to the Daily Mail about the future of the British Economy from his office in The Bank of England, London

Martin Weale, one of the Bank's rate-setters, also said a rise in the near future would give the central bank scope to cut if the British economy runs into trouble further down the line.

Investors braced for more market turmoil with US Federal Reserve poised to raise interest rates

The US Federal Open Market Committee will say on Thursday if it is putting up the federal funds rate for the first time since 2006.

'We moved - and saved £400 a year': As a million of us move to a smaller energy supplier, we look at deals tempting us away

'We moved - and saved £400 a year': As a million of us move to a smaller energy supplier,

Small energy suppliers are using novel approaches to loosen the grip of the biggest providers and inject greater competition into the market. From the newest non-profit making outfit Robin Hood Energy to collective switching, here The Mail on Sunday assesses the deals disrupting the Big Six. Jeff and Jillian MacNamara (pictured) switched firms.

Challenger banks braced for bad news as they fear 8 per cent levy will stay - along with 'unfair' free current accounts

Banks will be forced to become more transparent about current account costs and provide better access to the clearing system under a wide-ranging review into competition.

My wife and I lived separately for 11 years, but now plan to sell one home and live together. Must we pay capital gains tax?

I want to sell up and move in with my wife of 11 years. Must I pay CGT?

We have lived separately in our own homes for `` years because we both had children from previous relationships. Now we are planning to sell my house and live together in hers. How will CGT rules affect us? We have never declared to HMRC which is the main residence as there was no main residence.

Where there's a wheel (or two), there's a way: From tandems to tax relief and Segways, our guide to helping you get on your bike

Where there’s a wheel (or two), there’s a way: From tandems to tax relief and Segways, our

Spurred on by the success of British cyclists in the Olympic Games and Tour de France, one in five adults now regularly cycles for fun or commutes to work. The number of cyclists in Britain is soaring. Ten million of us now go out on our bikes at least once a month. Toby Walne looks at how you can join the revolution - and save yourself money.

'Clever scam could have cost me my house and ended in bankruptcy': The phone fraudsters who want a piece of your mortgage payments

TONY HETHERINGTON: You smelled a rat in 'claims firm' that promised fortune

A flaw in the banking system could have cost a reader his house and ended in bankruptcy. He was contacted by a bogus claims management company that said he had been overcharged on his mortgage. Crooks had registered a bogus internet address in the same name as a genuine claims company, except for a tiny difference in punctuation. The emails and documents he sent had been copied from the real firm's own website and even carried the genuine firm's address and phone number.

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.

SIMON LAMBERT: Eight simple but important lessons about money

Dr. Albert Einstein writes an equation for the density of the Milky Way on the blackboard at the Carnegie Institute, Mt. Wilson Observatory headquarters in Pasadena, Calif., in this Jan. 14, 1931 file photo. Einstein achieved world reknown in 1905, at age 26, when he expounded a theory of general relativity which proposed the existence of atomic energy. Though his concepts ushered in the atomic age, he was a pacifist who warned against the arms race. He was awarded the Nobel Prize for Physics in 1921.  (AP Photo)

Learning more about money is a good way to keep hold of it and make more of it. Here are some simple but important things I'd teach people.

How to complain to the chief executive: We reveal the names and contact details of Britain's top company bosses

Businesswoman Using Cell Phone, while looking at her laptop computer screen, she is angry.  For feature on broadband technical support.   --- Image by   Morgan David de Lossy/Corbis
rights managed
20-25 years
20s adult
25-30 years
Business and commerce
Computer hardware
Head and shoulders
Mid-adult woman
Mobile phone
Personal computer
Young adult woman
Young adults

Here is a list of the name and address for the chief executive of Britain's largest consumer facing companies: big banks, building societies, utilities companies, telecoms and mobile networks.

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

L Board sign on the rear of a blue saloon car , UK

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? Unemployment rises but wages robust after Bank hints at a move in early 2016

When will UK interest rates rise?

Unemployment has increased for the second month in a row, adding weight to the arguments of ratesetters in the lower for longer camp. This follows the outlook for when interest rates will rise shifting forwards slightly to about February 2016 in the recent inflation report.

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

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.

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

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


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.

What next for mortgage rates? The best fixed rates inch up as rate rise chatter increases - so is it time to fix?

A stock photo of a miniature toy house .


Some of the absolute cheapest mortgage rates have been pulled, as banks look to squeeze a little more from borrowers, but rates remain historically low.

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

September 2015
Prize value Winning bond No. Area
£1,000,000 181XE611069 South West Wales
£1,000,000 180AV204733 Overseas
£100,000 82NC804116 Outer London
£100,000 248RZ165168 Bedfordshire
£100,000 188PZ779903 Essex
£100,000 15SM469591 Overseas
£100,000 137XP786876 Fife
£50,000 89AE387151 Birmingham
£50,000 6HJ562295 Hertfordshire
£50,000 36BX381662 Leicester
£50,000 251XK512431 Surrey
More Premium Bonds winners


Tourist rates

Currency Rate Buy now
Updated 19 Sep 2015.
Euro 1.339 Buy Now
US Dollar 1.5295 Buy Now
Australian Dollar 2.0946 Buy Now
Canadian Dollar 2.0 Buy Now
Chinese Yuan 9.5052 Buy Now
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Czech Koruna 35.846 Buy Now
Danish Krone 9.8642 Buy Now
Egyptian Pound 10.596 Buy Now
Hong Kong Dollar 11.734 Buy Now
Hungarian Forint 406.9 Buy Now
Israeli New Shekel 5.748 Buy Now
Japanese Yen 182.36 Buy Now
Malaysian Ringgit 6.1929 Buy Now
New Turkish Lire 4.4758 Buy Now
New Zealand Dollar 2.3779 Buy Now
Norwegian Krone 12.222 Buy Now
Polish Zloty 5.522 Buy Now
Singapore Dollar 2.1182 Buy Now
South African Rand 20.048 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 12.353 Buy Now
Swiss Franc 1.459 Buy Now
Thai Baht 53.42 Buy Now
UAE Dirham 5.57 Buy Now

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