Chief executive Stuart Gulliver is said to have been encouraged to stay by a series of U-turns by the Government which has been trying to persuade the global giant to keep its headquarters in London. The bank has threatened to move its domicile overseas in protest over rising taxes and tougher regulations designed to prevent another banking crisis.
Listen to those at the cutting edge where investing meets technology and they will tell you that robo-advice is the future. So should you be ditching DIY investing for a robot?
Matt Philpott used to go past a dilapidated home on his walk to work, little did he know that it would earn him a windfall. We look at how to get ahead in the property market - even if you don't get that lucky.
George Osborne's pensions revolution was supposed to be a landmark change in the way we take our retirement income for ever. Everyone was meant to have the chance to access their pension pot as they wanted. They could take the whole pot as cash, or keep it invested and make regular withdrawals - like a bank account. But the reforms plunged into chaos, forcing regulators to change the rules. Here is what happened and what you can do now.
Even Rugby World Cup players would be classed as overweight or obese by insurers if they bought a deal without professional help. We reveal five things that drive up costs.
My pension took forever and an age to move across. In fact, much to my frustration, it took a shade under the six months statutory limit (funny that, eh). This isn't good enough.
Bozena Michalowska ,a partner at law firm Leigh Day, is hoping to act for thousands of drivers whose vehicles are set to be recalled. She says VW's response is not enough.
Accounts just filed at Nectar's parent company, Aimia Coalition Loyalty UK, show that sales increased £12million from £298million to £310million in the year to December 31, 2014.
Has the big weekly shop had its day?
Singletons and couples decide what to eat daily and cut down on food waste
Sunday newspaper share tips: Redcentric | GB Group | Cheap miners
We round-up the Sunday newspaper share tips
Ten of the best used 4x4s to buy now
Harsh winter predictions pushing up prices...
I badly need £25k I tied up in a three-year bond but Skipton BS won't release it
Is it allowed to refuse me?
Are you entitled to a bigger divorce settlement?
What a landmark court ruling means for those who suspect their ex of dishonesty
SIMON WATKINS: Black Friday is a huge mistake for retailers
And one they can surely not afford to make
Ella's Kitchen founder reveals his top tips for a successful start-up
Have a clear purpose, be bold and sell overseas
Strictly a rip-off: Mobile operators hit customers with 80% price hike
After premium-rate call charges are made 'clearer'
Would you live with three generations under the same roof?
The granny flat is making a comeback - with the help of a council tax discount
STANDARD LIFE UK SMALLER COMPANIES: Trust that doubled investors' money in five years
It gains from Britain's fortunes
MIDAS SHARE TIPS: Redcentric helps companies get the most out of the internet
Shares should deliver long-term growth.
Should you turn off radiators in rooms you don't use - or will that drain heat from the rest of the house?
Energy saving tips...
'I danced ballet with Beyoncé - and got paid for it'
Royal Ballet sensation Eric Underwood on his impulse trip to Ibiza and performing with a diva
The brand, which is a favourite of the Duchess of Cambridge, is due to open one store on Madison Avenue and another at the World Trade Center next spring. This will take its network of shops in the Big Apple to seven. It is also planning to set up two stores in Melbourne - marking its first attempt to win over the Australian market.
The National Institute for Clinical Excellence estimates that an average company with a thousand employees saves £250,000 per year by engaging with employee wellbeing.
It bought scores of staff out of a lucrative share rewards scheme that would have sent its stock tumbling if it went ahead.
Black Friday falls on November 27, but Amazon is expected to offer discounts from November 1. An early collapse into discounting could devastate the retail market.
Top law firm Quinn Emanuel has been hired by claim funding group Bentham to prepare a case for the VW shareholders.
The £25bn project will this week be signed off by Chinese premier Xi Jinping on his state visit to the UK.
BALANCE TRANSFERS
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TOP CREDIT CARDS
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CHEAP MORTGAGES
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FIVE FAVOURITE ISAS
Bulbs that once cost £20 can now be purchased for £5, says the Energy Saving Trust, while the cost of old-fashioned bulbs is rising. But will switching to low energy use bulbs save you money and keep your home bright enough? We take a look.
Most of the fund's 57 holdings - such as baker Greggs - are focused on consumers here, and they are little affected by events on the Continent or China.
Our investing columnist John Rosier reveals the shares he bought and sold last month and why he considered beaten up BP a tempting proposition.
A landmark ruling by the Supreme Court has paved the way for financially deceitful spouses to be sent back to the court, where they will be forced to pay their former partners their fair share of matrimonial assets. The guilty party will also likely have to cough up for the legal costs.
I have £25,000 tied up in a three-year fixed-bond with Skipton Building Society which I opened in October 2014. I need to access it after splitting up with my partner - what can I do?
If a Three customer calls the Strictly Come Dancing vote line from November 3, the call could now be 60p per minute, instead of 40p previously, uSwitch said.
American ballet dancer Eric Underwood has had an extraordinary past 15 years. He has gone from earning $4 (£2.60) an hour as a waiter in New York to dancing on stage with Beyoncé, dressing in Alexander McQueen designer clothes and spending thousands of pounds on impulse holidays at the drop of a hat. Yet 31-year-old Underwood, a soloist at The Royal Ballet, believes his best financial years are yet to come. He tries to be careful with his money, putting as much aside for the future as he can.
The number of properties with a separate annexe for family members has increased by more than a third in the past two years. Many are inhabited by younger family members unable to get on the property ladder. But a lot are being occupied by elder relatives.
Huge variations in local authority funding for care were revealed by 190 Freedom of Information requests submitted by Which? to UK councils.
Longer working hours and time-consuming commutes are behind the trend, as is the increase of single-person households, who buy less and more often in order to cut food waste.
I will reach state pension age before next April so I am allowed to top up my state pension under the Government scheme launched this week. However, I am in two minds about whether to do this. I am in good health now and obviously hoping for a long retirement, but it sounds like a lot of money upfront so is it really a good deal?
Paul Lindley, founder of Ella's Kitchen baby food company, which has a 20 per cent share of the UK baby food sector and a global turnover of $100million, gave the budding food entrepreneurs his own advice, and said: 'I would strongly recommend that you establish what your business is and that you know that your food works with the UK market.
Mark Sismey-Durrant, the chief executive of Hampshire Trust Bank, said he was frustrated by Government support for unregulated peer-to-peer lenders.
Small and medium-sized firms offering serviced offices are overspending by £82million a year on energy bills as a result of inefficient technology and old equipment.
Gem Misa, co-founder of Cauli Rice, a start-up producing ready-made cauliflower 'rice', is among the winners of this year's Virgin StartUp Foodpreneur Festival competition.
Following several years of a widening 'productivity gap' between the UK and other developed economies, a study by venture capitalist Albion Ventures suggests this trend may start to reverse.
The Dorset-based boat maker, which was bought two years ago by Chinese property developer Dalian Wanda Group, recorded sales of just £196 million in the year to December 2014, compared with £341 million for the previous 17 months. However pre-tax losses widened from £26million for the 17-month accounting period to £39.1 million for 2014, meaning the company has not made a profit since the year ending July 31, 2012.
Despite last year's day being described by one City analyst as a disaster for retailers, they are back at it again. This is in line with Einstein's famous definition of insanity.
Recommended by Midas in February 2013 at 92¼p, the shares have soared to 244p as the firm has expanded globally with customers ranging from Harrods to the NHS to Ikea.
Their employer, Tata, did not confirm the cuts, which could also affect its Scottish plants in Motherwell and Cambuslang.
Redcentric provides the IT plumbing that allows these organisations to function effectively. The shares are 191¾p and should deliver long-term growth.
The new way of working is not as lucrative as referral fees were for Admiral. In the year before the ban, the insurer made £18.6million from the fees.
We round-up the Sunday newspaper share tips. This week, Midas looks at IT specialists Redcentric and GB Group and Questor runs the rule over the mining sector.
Gatwick Airport boss Stewart Wingate took the unusual step of writing directly to Heathrow chief executive John Holland-Kaye on Friday. He questioned Holland-Kaye's claim that Heathrow needed just £1billion for improvements to the airport's road and rail links for the extra runway to go ahead.
The guarantees could be activated if the French and Chinese firms constructing the plant run over budget - an event experts believe is quite likely.
Strat Aero hopes to cash in on increasing commercial use of unmanned aerial vehicles for tasks such as inspecting wind turbines and oil rigs.
Kristin Forbes, who sits on the Bank's Monetary Policy Committee, said the economy has only limited exposure to the problems seen so far in developing nations.
With an increasingly health-conscious population, savers may be wondering whether there are many more pennies to be made from a pint.
I want to turn off radiators in rooms that I don't use to save energy and money. But I'm worried that the cooler rooms will drain warmth from the parts of the house I do heat. Is this true?
Funds that stick to putting money in ethical firms attract just 1.2 per cent of the total assets poured into UK investments, and this figure has barely budged since 2005.
Different types of momentum and asset allocation can help you avoid drops as well as chase gains, argues Richard Webb, of Saltydog Investor.
The cuts come ahead of the introduction of the European Union's Mortgage Credit Directive which introduces stricter affordability tests, usually associated with residential mortgages, for new landlords. We reveal some of the top deals on the market
Not paying proper attention to your financial products and services could cost you £18,000 over a decade, a new study claims.
The cost of living might be going down, but private rents continued to rise last month, hitting a new high of £816 per month in September across England and Wales, data shows.
The average price of a used 4x4 has increased by £1,200 in two months, according to new research from Manheim auctions, with prices 40 per cent higher than this time last year. After Met Office predictions of a harsh winter, UK motorists have snapped up second-hand 4x4s quicker - but which SUVs are the best?
The cost of having a car repaired is forcing many drivers to go without their vehicles, though some are putting themselves and other motorists at risk by driving cars they know are not roadworthy.
The recall, one of the biggest in European history, will be mandatory rather than voluntary because of its large scale, Germany's transport minister Alexander Dobrindt said.
If someone asked you what the perfect car looks like, we bet you wouldn't image it looking like this. Using public feedback, a university professor pieced together the 'dream look'.
The 1960 Ferrari 250 GT that sold for £6.6m at a charity auction was far from museum ready - 100,000 miles on the clock, blemished paint and leaking oil are some of the signs of wear and tear.
It can be a huge blow when household disaster strikes but knowing you are properly insured can help soften the impact on your wallet at least.Therefore making sure you have sufficient buildings and contents protection if the worst happens should be a top priority.
This interactive map by credit rating firm ClearScore allows you to search average credit scores by postcode and how it compared to the national average. It shows that the top two districts by credit score are in Scotland, while the majority of the lowest ranking areas are in London. Those living in Kirkwall in Scotland's Orkney Islands have the best credit rating at an average score of 454, closely followed by Lerwick residents at 453.
The property in Essex is a rare find as it costs marginally more than the average annual salary. Most properties in the area cost £300,000.
Wealthy buyers under 35 are shunning traditional exclusive enclaves of London, such as Chelsea and Kensington, in favour of 'edgier' locations loved by those who work in the media and arts industries.
The spotlight is on the privatisation, but it could be worth thinking about other ways to gain exposure to Lloyds - or even rival big banks. We get the thought of fund managers - including four who like Lloyds and potentially other banks and a rather famous one, Neil Woodford, doesn't like the big banks at all.
The new ring-fencing rules come into force in 2019 and are designed to protect taxpayers and banking customers by ensuring retail operations are insulated from more risky investment banks.
New-style 'defined ambition' and 'collective benefits' schemes, and a plan to allow workers to take small pots with them when they change jobs, are on hold for now.
Making your buy-to-let energy efficient is a good way to keep your tenant happy - and happy tenants are good for your investment. We reveal the existing government grants that will help turn your buy-to-let portfolio green.
As families find themselves dragged into the inheritance tax net more are tempted to indulge in a spot of home-spun tax planning to try to dodge a bill. But often some seemingly straightforward arrangements will not always achieve the desired results. Our experts explain why and offer six to
One in five in their 30s said they thought they'd be safe to drive after drinking six or seven glasses of beer or wine, a survey has found. New research also revealed which area is worst for careless drivers.
Comparison websites are once again under the spotlight from Ofgem as it launches a probe to determine whether some breached competition laws over paid search advertising.
M&S; is launching a new loyalty scheme aimed at encouraging customers to visit its stores more frequently. Billed as a 'members club' its new Sparks loyalty scheme will launch later this month and also give shoppers points if they post comments on its website.
Lloyds, which is 13 per cent taxpayer-owned, abandoned old-fashioned sales targets after mis-selling scandals cost them billions but bosses have now told staff to ramp up financial-product sales.
Young graduates based in Berlin have on average 64 per cent of their net pay left at the end of the month, but those in London have only just less than a fifth.
With his first independent fund - Woodford Equity Income - Neil Woodford has turned every £1,000 invested into £1,157 over the past year when his rivals have only managed to make an average £5. Had you put £1,000 into his Invesco Perpetual High Income fund when he took the helm in 1988, you would have had £22,286 by the time he left last year. Holly Black gets his thoughts on the investing world.
Many new banks do not offer mortgages to ordinary homeowners, so instead the profits on the savings they bring in come from other types of loans.
I'm a pensioner with a modest bank account held at Barclays. On August 10, I called at my branch to withdraw funds, but was shocked to be told there were none available.
Ferrari's latest creation can accelerate from 0-62mph faster than you can tie your shoe laces, has a top speed of 211mph and more power than nine superminis put together. Just 799 F12tdf examples will be built and each one is expected to cost in the region of £275,000.
The removal of the three per cent Benefit in kind (BIK) surcharge on diesel cars in 2016 will make them much more affordable for company car drivers to tax, despite the VW emissions scandal.
Receive alerts to tell you when your car is due for tax renewal, when an MOT is soon to be required and when the next service in imminent. This new AA tool should take the hassle out of car ownership.
How British Gas can help you
Buy-to-let rates and advice
From locks, boilers, electrics to drains
Find tenants today for FREE
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.
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.
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.
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.
We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.
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.
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.
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
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.
We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year
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.
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
After a slowdown earlier this year, the London market appears to be continuing to push ahead of the rest of the UK. We look at the latest figures.
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.
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.
| Prize value | Winning bond No. | Area |
|---|---|---|
| £1,000,000 | 70QM718428 | Cambridgeshire |
| £1,000,000 | 232XW865135 | Derbyshire |
| £100,000 | 250WP039785 | Sefton |
| £100,000 | 218MS986343 | Surrey |
| £100,000 | 178ZW377000 | Liverpool |
| £100,000 | 142LZ553221 | Inner London |
| £100,000 | 141RV744928 | West Midlands |
| £50,000 | 82PW665039 | Norfolk |
| £50,000 | 40QG075028 | Lancashire |
| £50,000 | 251KV606619 | Hereford and Worcester |
| £50,000 | 251BY155686 | Devon |
HSBC expected to remain in UK after Government waters down reforms designed to keep Britain's scandal-hit...
Would you trust your money to a robot that is a better investor than you?
'I earned £9k by "spotting" an empty home': How buyers, sellers, investors and even a spotter can win in the...
When pension freedom became a fiasco: Unhelpful insurers, baffling rules, rip-off charges - Getting your...
Built like a rugby player, enjoy scuba diving, or had a car accident? That could bump up the cost of your...
JEFF PRESTRIDGE: Freedom? Not when it took me nearly six months to transfer a pension
Lawyer fighting for VW diesel compensation claims UK owners could get £2,000 each (and says Clarkson is an...
When loyalty doesn't pay: Nectar profits fall by £60m as canny shoppers cash in more points
Fashion retailer Reiss planning to expand in New York and make debut Down Under after notching up record...
SIMON PARKE: Staff wellbeing key to boosting UK productivity
Insurance claims processor Quindell spends £11m in bid to bolster its own share price
Black Friday sales forecast to top £1bn but experts warn retailers that discount day could hurt profits
Volkswagen facing £30bn lawsuit over diesel emissions scandal
Fresh poll casts doubt over British public’s support for EDF’s Hinkley Point nuclear plant
Can switching your light bulbs really save you £100 a year?
How the state pension top-up works
Is a £1,300-a-year boost to retirement income worth the £22,250 upfront cash?
Interactive map reveals average credit scores by postcode
How well do your neighbours manage their money?
Can Vauxhall's all-new Astra defeat Britain's favourite Ford Focus and the Skoda Octavia?
We pitch the all-new family hatchback against two big rivals.
Buy-to-let landlords are benefiting from increased choice and record low mortgage rates...
- so where are the best deals?
Momentum investing isn't just about chasing winners, says RICHARD WEBB...
- it can also help you avoid a correction.
Volkswagen forced to recall 8.5m cars across EU fitted with emissions test-cheating devices...
- including 1.2m VWs in the UK.
The rise of London's emerging 'posh' areas
Wealthy young buyers transform previously downbeat areas such as South Acton and Peckham Rye.
Rents continue to rise and hit record high of £816 a month
Those in London paying 12% more than last year.
Dirt-cheap mortgages are tempting investors into buy-to-let, but beware the triple whammy of teaser rates, tax and tougher rules
SIMON LAMBERT
Six key IHT questions answered
Why home-spun inheritance tax planning doesn't always work.
Are any grants available for buy-to-let landlords to improve energy efficiency?
A good way to keep your tenant happy
Thousands more solar power jobs at risk as withdrawal of state subsidies kills off third firm in a week
Sector into crisis as Southern Solar goes under.
Why Neil Woodford is BUYING shares when everyone else is selling
We interview fund star
New M&S; loyalty scheme will reward shoppers for visiting stores and posting reviews online
But 'members club' offers no cashback.
The big Tesco sale continues
Supermarket giant sells off 14 of its mothballed sites to property developer for £250m.
One in five in their thirties think they're okay to drive after six or seven beers
'But officer, I've only had seven pints!'
Nine in 10 Volkswagen drivers affected by emissions scandal want compensation
- and half wouldn't buy a VW again.
Dreams of owning a property near London can come true!
Buy a home of your own within the M25 for just £30K (garage not included).
How to boost your state pension by £1,300 a year
New scheme to help 12 million people who will miss out on flat-rate reforms.
Ferrari reveals F12tdf - a 211mph monster that costs as much as a house
Thunderous and devastatingly fast:
How to check if you are under-insured
Are your life's most precious possessions at risk? Sponsored
Do your tenants have a right to rent?
How to make sure your buy-to-let doesn't break new immigration rules.
Jaguar Land Rover sales hit by Tianjin blast
Car maker loses 5,800 vehicles stored at the Chinese port.
Stephen Fry backs TV plug-in device that aims to bring 'music streaming to the masses'
Is Electric Jukebox for you?
Savers benefit from booming buy-to-let loans
Challenger banks are upping their rates so they can lend more.
Company car tax changes could drive more diesels onto our roads
Despite the Volkswagen emissions scandal
Barclays took weeks to pay back £850 it squirreled away from an account which I hadn't used for 15 months
ASK TONY.
£152,000 A DAY: What conmen snatched from savers in the first month of the pensions revolution
More than five times normal levels.
Bungling Scottish Power still owes customers thousands months after it won our wooden spoon winner
Lynne McCaughey and daughter Cate are disgruntled customers.
Is regulator Ofcom ever going to do anything about the landline rental rip-off?
Telecoms providers ramp up prices year on year, says LEE BOYCE.
AA launches a free personalised PA service alerting you when your car needs attention
Never miss a car tax renewal or MOT again.
I hold bond funds because I thought they were safe but it seems they include derivatives...
- aren't these the risky bets that caused the banking crisis?
Are borrowers set to profit from end-of-year home loan price war?
Fixed-rate mortgages cut again.
Now buy-to-let mortgage rates fall below 2%
Record-low landlord loan arrives as market continues to boom.
The Investing Show: Reasons to be cheerful and should you buy Lloyds shares?
Watch the latest show
| Currency | Rate | Buy now |
|---|---|---|
| Updated 19 Oct 2015. | ||
| Euro | 1.3296 | Buy Now |
| US Dollar | 1.5115 | Buy Now |
| Australian Dollar | 2.0658 | Buy Now |
| Canadian Dollar | 1.9469 | Buy Now |
| Chinese Yuan | 9.4431 | Buy Now |
| Croatian Kuna | 9.9881 | Buy Now |
| Czech Koruna | 35.716 | Buy Now |
| Danish Krone | 9.8324 | Buy Now |
| Egyptian Pound | 10.678 | Buy Now |
| Hong Kong Dollar | 11.677 | Buy Now |
| Hungarian Forint | 404.32 | Buy Now |
| Israeli New Shekel | 5.631 | Buy Now |
| Japanese Yen | 180.45 | Buy Now |
| Malaysian Ringgit | 6.2624 | Buy Now |
| New Turkish Lire | 4.2806 | Buy Now |
| New Zealand Dollar | 2.21 | Buy Now |
| Norwegian Krone | 12.152 | Buy Now |
| Polish Zloty | 5.5574 | Buy Now |
| Singapore Dollar | 2.085 | Buy Now |
| South African Rand | 19.744 | Buy Now |
| Sterling | 1.0 | Buy Now |
| Swedish Krona | 12.347 | Buy Now |
| Swiss Franc | 1.4384 | Buy Now |
| Thai Baht | 52.605 | Buy Now |
| UAE Dirham | 5.5389 | Buy Now |
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