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.
Singapore now offers best quality of life for British expats according to annual survey as Australia and Canada slide down the list
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.
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DON'T MISS
- Revealed: Ten most common mistakes job hunters make on CVs and overused clichés that can put employers off
- The Top 100 companies for customer service - and First Direct pushed into second place by cosmetics firm Lush.
- Liverpool is the whiplash capital of the UK More than HALF of road accidents in the city result in an injury claim.
- Bought a Land Rover Defender recently? It could soar in value as they are now 'sold out' Production ceases soon.
- Nearly 113,000 council houses could be sold off under Government plans to expand Right to Buy scheme, housing charity warns Warning from housing charity Shelter.
- Why millions of Britons will never get the £151-a-week new state pension SPECIAL REPORT.
- Revealed: The locations of the 11 Morrisons stores set to close as supermarket cull puts 900 staff out of work Mainly in west and north of England.
- Fixed savings rates creep higher as challenger bank's new two-year bond offers 2.4% interest Paragon ups rate by 0.15 percentage points.
- Pound jumps on rate rise fever as real wages grow at fastest rate in six years - and employment hits new highs.
- Are shares in the US about to take a plunge? Crucial interest rate decision could spark market chaos.
- Millions are livid because they're not getting what they were promised - and it's so complex even experts are baffled New state pension shambles.
- B&Q; to shut 60 stores as owner Kingfisher is flattened by weak French sales and currency woes
- The 'luxury flats' on Egypt's Red Sea coast that have cost British holidaymakers their life savings... but have never been finished Oasis Marina resort in Hurghada.
BUSINESS, CITY & MARKETS
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.
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MONEY NEWS & ADVICE
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...
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.
Revealed: Ten most common mistakes job hunters make on CVs and overused clichés that can put employers off
- You're HIRED! Apprentice winner Ricky Martin's simple tips for a winning CV and success in high-pressure interviews
- How to not hire a dud: The killer interview questions every candidate should be asked
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.
Revealed: Top 100 companies for customer service - and First Direct pushed into second place by cosmetics firm Lush
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.
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.
The easy way to claim compensation for delayed flights: Student's parking ticket appeal website is now targeting airlines
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.
Revealed: The locations of the 11 Morrisons stores set to close as supermarket cull puts 900 staff 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.
Fixed savings rates creep higher as challenger bank's new two-year bond offers 2.4% interest
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.
MORE BUSINESS, CITY AND ECONOMY NEWS
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.
ALEX BRUMMER: You have to wonder if Federal Reserve, under dovish leadership of Janet Yellen, will ever raise interest rates
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'.
YOUR MONEY ESSENTIALS
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 'luxury flats' on Egypt's Red Sea coast that have cost British holidaymakers their life savings... but have never been finished
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.
ASK TONY: Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her affairs
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.
Banks battle for customers: Tesco scraps £5 current account fee after Santander slaps 150% charge hike on customers
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.
How imminent rate rises and the China slump are raising fears of new financial crisis seven years after Lehman Brothers collapse
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.
Broadband and phone customers face escalating costs as TalkTalk reveals 'eye-watering' price hike of 50%
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.'
'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
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.
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
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
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.
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WHAT NEXT FOR YOUR MONEY?
50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings
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.
Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions
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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Premium Bonds winners
Prize value | Winning bond No. | Area |
---|---|---|
£1,000,000 | 181XE611069 | South West Wales |
£1,000,000 | 180AV204733 | Overseas |
£100,000 | 82NC804116 | Outer London |
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- Petra shines despite fall in price of diamonds as demand weakens and revenue drops
- SAB forced to sell Chinese beer brand to seal £177bn AB tie-up
- ALEX BRUMMER: Growth on the sword as global economy looks gloomy
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- Are chocolate bars smaller, or are you just getting bigger? Research shows Mars Bars have shrunk 28% since...
- Revealed: Ten most common mistakes job hunters make on CVs and overused clichés that can put employers off
- 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...
- Bought a Land Rover Defender recently? It could soar in value as they are now 'sold out' - and production ceases soon
- Singapore now offers best quality of life for British expats according to annual survey as Australia and Canada slide down the list
- Bank of England could set NEGATIVE interest rate: Move would mean that rather than earning money, savers would be charged for keeping their cash in the bank
- MARKET REPORT: Smoke signals spouting from City dealings rooms suggest Imperial Tobacco could soon set the market alight
- Fiat in black box deal to help younger buyers struggling with insurance premiums to buy company's 500 city car
- Death IS the only escape: Pensioners pay 11% of total income tax revenues - and Londoners are the biggest contributors
- Dollar slams into reverse and shares dip after US Federal Reserve rejects chance to begin interest rate rises
- Revealed: Top 100 companies for customer service - and First Direct pushed into second place by cosmetics firm Lush
- Squeezed renters see arrears soar to highest level in more than two years as half lose hope of ever buying a home
- Global markets on the slide after US Federal Reserve sits on the interest rate fence
- Revealed: The locations of the 11 Morrisons stores set to close as supermarket cull puts 900 staff out of work
- Victory for delayed flight passengers as airlines lose bid to label technical problems as 'extraordinary' in European Court
- FTSE CLOSE: Footsie drops with sharply lower US stocks as Fed decision to leave US rates on hold creates uncertainty
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MOST READ MONEY
- Diesel drivers could be in for sharp price rises as UK relies on imports to meet growing demand No. of diesel cars in UK soared from 1.6m in 1994 to 11m in 2014, says RAC Foundation.
- Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her affairs ASK TONY...
- Beware text messages sent from your bank 'Vishing' con netted fraudsters £24m last year - and refunds are often refused.
- Tesco scraps £5 current account fee after Santander slaps 150% charge hike on customers Banks battle for customers.
- New MBNA credit card with no fees and long-term low-rate of interest makes it an ideal choice for holidaymakers 7.4 per cent interest.
- The pension fiasco: This shambolic affair is a lesson in why it pays to be transparent JAMES CONEY.
- More than 400,000 savers hit as National Savings cuts popular cash Isa to 1.25% - the lowest rate since 2008 launch.
- Lack of property for sale intensifies as new listings drop by 20% over the summer - and London suffers biggest supply drought.
- How imminent rate rises and the China slump are raising fears of new financial crisis seven years after Lehman Brothers collapse
- House prices up £5k in July compared to previous month - but annual growth continues to slow after last summer's boom.
- Cost of living freeze continues as cheaper clothes take consumer price inflation back to zero Eases pressure on BoE to raise interest rates.
- Former prison guard takes ClaireaBella brand to the US after selling 250k bags From kitchen table craft to £5.75m in sales for Claire Barratt.
- As a landlord I know I need to make sure my property is gas safe, but what exactly does this mean? Sponsored
- Broadband and phone customers face escalating costs as TalkTalk reveals 'eye-watering' price hike of 50%
- Nationwide offers £100 cash perk for new current account customers Flex Direct account pays 5 per cent interest.
- Households warned annual energy bills could soar by £300 as fixed-rate tariffs come to an end On 30 Sep, 24 fixed-rate deals finish.
- 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?
- Fly to Boston or Washington DC for £99: Budget airline WOW launches bargain flight offer But watch out for costly extras.
- Stick to your guns and stay diversified! Investors should stay calm in the face of a market correction, says investing expert Paul Resnik.
- Santander set to increase fees on its 123 current account used by three million customers to £5 a month Hike wipes out many of account's benefits.
- Only got a 5% deposit? First-time buyers offered a helping hand Sub-4% two year fixed-rate deals from Nationwide and Yorkshire BS.
- Will the Federal Reserve strike this week? Experts say interest rate rise a 'very close call'.
- 'Clever scam could have cost me my house and ended in bankruptcy' The phone fraudsters who can tap into your mortgage payments.
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- Challenger banks braced for bad news as they fear 8 per cent levy will stay - along with 'unfair' free current accounts.
- Are military medals a good investment? As respect for our Armed Forces grows so does the value of the medals they have won.
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- Brummie good deal: Priced out Londoners invest in Birmingham - where they can buy two flats for the price of one in the capital.
- Analysts predict oil price plunge Oversupply could drive Brent Crude to $20, warns Goldman Sachs.
- Want to make a healthy profit from a student buy-to-let? Pick a Scottish university city (and avoid Wales and the North of England).
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- Wetherspoon boss uses dismal set of figures to launch another broadside against paying staff higher wages
- The Investing Show: How to invest in bonds safely and dodge the traps Christine Johnson of Old Mutual explains what you need to know.
- Beginning of the end for the cheapest ever mortgage rates? Rock bottom five-year fixes are on the rise as rate rise looms closer.
- I have been overpaying property management fees for 13 years but the firm will only repay for the last six. Is this right? Firm refunded only money for the last six years.
FUND AND TRUST IDEAS
- JUPITER JAPAN INCOME: Casio remains a watchword as fund faces fallout from China
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- TELLSONS ENDEAVOUR: Charles Dickens meets Captain Cook in the fund with a simple story to tell
- FARNBOROUGH EQUITY: The tiny £3m fund that has been given a five-star rating by experts
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Latest: Mortgages & home
- Nearly 113,000 council houses could be sold off under Government plans to expand Right to Buy scheme, housing charity warns
- Strongest August for mortgage lending since 2007, up 12% on last year – but economist predicts 'modest' future growth
- Lack of property for sale intensifies as new listings drop by 20% over the summer - and London suffers biggest supply drought
- House prices up £5k in July compared to previous month – but annual growth continues to slow after last summer's boom
- 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
- Could shared ownership help you on to the property ladder? Scheme brings home purchases into reach for first-time buyers
- Flowing with joy: Living near water can be pricey but it stirs the soul, says Rosie Millard
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Latest from Saving & banking
- Our savings picks: This is Money's five favourite best buy cash Isas for 2015
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- The 5% savings rate trick: Best interest-paying current accounts to make your money work harder
- Fixed savings rates creep higher as challenger bank's new two-year bond offers 2.4% interest
- Nationwide offers £100 cash perk for new current account customers - on top of 5% interest on balances
- Looking for a better bank? This is Money's five of the best current accounts
- Current accounts: How to beat fees, charges and overdrafts
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- Has Santander just killed off Britain's best bank account? Spanish lender to hike fee on flagship deal by 150%
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ANSWERS FROM THE Experts
- ASK TONY: Mum got ill with advancing Alzheimer's but Nationwide wouldn't let me run her affairs
- 'Clever scam could have cost me my house and ended in bankruptcy': The phone fraudsters who can tap into your mortgage payments
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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 |
Croatian Kuna | 10.032 | Buy Now |
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 |
Latest from Holidays
- Victory for delayed flight passengers as airlines lose bid to label technical problems as 'extraordinary' in European Court
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- Holiday resort favourite Vilamoura gets set for multi-billion pound makeover on Portugal's sunny Algarve coast
- Could you turn up to hotel and find your paid-for room taken? Travelodge accused of 'overbooking' after bumping weary travellers to a different location
- Family booked on phantom flight to Portugal by budget travel agent left mystified at the airport as firm blames 'human error'
- Travellers heading to Australia and South Africa get best currency rates since the financial crisis – but pound slides six cents against euro in a week
- From phantom hotels to delayed flights and missing bags: How to salvage your holiday from disaster
- Victory for consumers as Ryanair is told it can't put time limit on compensation: What it means for you if your flight is delayed
LATEST ON HOUSEHOLD Bills
- How to get a cheaper smartphone: The essential guide to getting a new phone without breaking the bank
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Latest: money and Cars
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- Camden taking EIGHT WEEKS to respond to parking ticket appeals rather than 10 days it aims for after deluge from fed-up drivers
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- New car sales accelerate in traditionally quiet month of August, with Mitsubishi and Porsche having a bumper year
Latest from Markets
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- Petra shines despite fall in price of diamonds as demand weakens and revenue drops
- SAB forced to sell Chinese beer brand to seal £177bn AB tie-up
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TOP CALCULATORS
- This is Money's calculators and tools All our calculators in one place. See how they could help you
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- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.