Winter weather warnings means the demand for 4x4s is about to sky rocket. To help youchoose the best one for you, AutoTrader- the UK's largest marketplace for second-hand motors - has listed its ten best SUVs for different requirements.

My husband tapped in a request for £200 at the cash machine, but was short by £40. Another customer counted the notes and agreed the cash was short, and we swapped details. We also counted the notes in front of the bank's closed circuit television camera. But HSBC will not help, citing the Data Protection Act.

Alternative Bank Schweiz told customers they face a -0.125 per cent rate on their money from 2016 - and a -0.75 per cent rate on deposits above 100,000 Swiss francs. It echoes the Swiss central bank's -0.75 per cent negative deposit rate. In September, the Bank of England's Andy Haldane said the UK could one day have to consider negative rates.

Many with-profits investors are in the dark about the nuances of the product or are blissfully unaware they could be heading for disappointment with their investments. Experts say people in their 50s and 60s who are planning financially for retirement need to dig out old paperwork and seek advice.

Where should investors look for the best future gains - and how much risk will they have to take to get them? Psigma's chief investment officer Tom Becket, joins the Investing Show to discuss the best investments and explains why those who can stomach the risk of China, emerging markets and even miners could see value turn into future gains.

Sofa and carpet specialist ScS floated on the stock market in January at 175p. By May, the shares had climbed to 220p, and then the company admitted sales had slumped in recent weeks and profits would be lower than expectations. The group blamed uncertainty ahead of the General Election and warm weather over Easter and the May Bank Holiday. Shareholders took a dim view, the stock sank to 152p and stayed at that low ebb over the summer.

Motorists will see car insurance costs accelerate by £30 next year as providers look to boost profits, a report warns. Hikes are expected to be the biggest since 2011. Premiums are predicted to jump 8% in 2016, according to figures crunched by experts at accountancy giant Ernst and Young.

More than £50million a year is raised for good causes from the sale of charity Christmas cards in Britain. But make sure you play your festive cards right, otherwise good causes might not get as much as you think.

The previous remuneration scheme dictated that a bonus linked to sales would have been payable if sales rose to £15billion by 2017. But the company has now promised to begin paying out bonuses in 2018 if sales stand at just £12.7billion. The company has already consulted major shareholders about the bonus plan. But the decision is likely to reignite criticisms over executive pay at the retailer.

Specsavers founders Dame Mary Perkins and her husband Doug shared a £27.3million dividend in accounts just filed as the opticians chain they founded more than 30 years ago continued to perform strongly. The accounts for the Specsavers UK stores for the year to February 28, 2015 show the dividend was paid to the Guernsey-based parent company, which is jointly owned by the couple.

The failings of the bank that was created through the merger of Halifax and Bank of Scotland were revealed in withering detail. And in his first major interview since publication of the report, Paul Moore challenges HBoS's former bosses to apologise publicly for their actions.

William Chase, the potato trader who founded Tyrrells crisps and Chase Distillery, has told struggling suppliers and farmers to stop complaining and warned they have no divine right to exist. His comments follow a warning from farmers' leaders that British cucumbers face extinction in the face of cheap imports and supermarket price wars.

Crowdfunding is a democratic way for businesses to raise funds from individual investors, and raise their profile at the same time. The sector has been growing rapidly, so what's the next step? We reveal what you need to know about raising money for your firm.

It's sensible to consider the impact on your state pension if your work situation changes - you don't want to lose out by making careless and avoidable mistakes. After you reach official retirement age, the state pension will provide a guaranteed income for the rest of your life - a very valuable benefit. The good news is that going part-time won't affect your entitlement to a state pension as long as you still make at least £112 a week, and if not you can make voluntary contributions instead.

Most of the new private homes being built in the country are in parts of London such as Newham and above the capital's green belt in Cambridgeshire, Northamptonshire and Leicestershire, new figures suggest. Perhaps surprisingly, about a third of new builds are flats - a lower proportion than in the run-up to the financial crash, when flats made up almost half of all new properties being built.

Entrepreneur Lucy Burnford bought a car that ended up costing her a small fortune in repairs. It led her to co-create Automyze, a 'personal assistant' for your car,' which collates all of its history in one place. Her service now has 500,000 cars registered on the site, which is being rolled out to the AA's four million members.

Fears that millions of savers are being crippled by high charges for investing have prompted an investigation into the industry by the City watchdog. What will it mean for you? Anyone who invests money through fund managers is affected. However don't think you're not affected just because you're not someone with loads of cash in investments.

Any idea that money markets, economists, the Bank of England (or even journalists) can tell us exactly when rates will rise is misguided. The question should be whether we can get to the point where a rate rise is seriously on the table before something bad happens to derail it for years again?

An almost unused 1985 Escort RS Turbo Series 1 (pictured) sold for a world record £60,188 at the Classic Motor Show, with other fast Fords also attracting a bidding frenzy. A 1987 Ford Sierra Cosworth RS500 sold for £90,000 and other fast Fords also kept the auctioneer busy, highlighting how the classic car world has seen prices spiral in recent years.

A decline in overseas buyers is being blamed on several factors, including higher stamp duty fees for those with luxury homes. The shortfall has seen domestic buyers return to the London property market. The percentage of property purchases by domestic buyers was 79 per cent during the third quarter, up from 75 per cent a year ago, says agent Marsh & Parsons.

Fiat has revealed its roadster r at the LA Motor Show. Apart from the engine and the bodywork, the new 124 Spider is essentially a Mazda MX-5. So which should you buy? we take a look at the differences between the two cars.

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.

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.

Interest rates will not move until mid-2016 and may not even rise for the whole of next year, economists have suggested following the latest Bank of England inflation report. A big shift back in the markets outlook for rates had preceded the second Super Thursday combination of an MPC verdict, minutes and Inflation Report.

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

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.