Gerard Lyons was chief economist at global bank Standard Chartered. Then he gave it up to be economic adviser to London Mayor Boris Johnson. One thing he is sceptical about the great shibboleth of Tory thinking - getting people on the property ladder.
Iron Lady's handbags go under the hammer, but will they rise in value? How to invest in political memorabilia
NEW What price a piece of the Iron Lady? A huge collection of Margaret Thatcher's personal possessions - from her wedding dress to those famous handbags - goes on sale at Christie's in London this Tuesday, 25 years after she left office. Expected prices for the memorabilia range from £200 to tens of thousands of pounds.
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- 'I struggled to earn a crust - until I struck gold as a rower' Olympian Ben Hunt-Davis tells how he worked in a bingo hall and survived on white bread
- Thinking about selling your property in the New Year? Six ways to get a headstart Add value to your home and make it stand out to buyers.
- Dragons' Den star Sarah Willingham reveals her start-up secrets 'For a Dragon, it's about the individual more than the business'
- Number of Britons expecting an interest rates rise in the next 12 months falls to lowest in two years
- Five of Mike Ashley's most outlandish business tactics Firing people at will, betting on rivals and even changing the locks...
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- Top ten ski chalets for sale: From a £2m bolt hole with cinema to a £50k studio with mountain views We reveal some of the best on the market.
- Top fund managers of 2015 revealed Which investing gurus will be celebrating this Christmas, and which have had a year they'd rather forget?
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Sponsored - Will Barclays have to pay ME if the Bank of England's bank rate turns negative? My interest-only tracker mortgage is 0.27% plus base rate.
BUSINESS, CITY & MARKETS
MIDAS SHARE TIPS: Profits set to soar as Dixons Carphone looks across Atlantic
Dixons Carphone has flown since chief executive Sebastian James guided Dixons Retail and Carphone Warehouse through their merger last year. Expansion into America is the next big step and analysts believe that alone could add £65 million to the group's already sizeable earnings of £381 million last year. Not surprisingly, the electrical retailer's share price has jumped since the merger and the group is now worth £5.5 billion.
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MONEY NEWS & ADVICE
'Vodafonepest': As the phone giant heads to top of complaints league for the fourth time in a row, one customer tells how call centre messages took a sinister personal turn...
Despite rising half-year profits announced by Vodafone last month, customers unhappy with the company's lacklustre effort at problem-solving have shunted the network to the top of the complaints charts. For Karl Harris and his fiancee Gemma (name has been changed), the issue was one of harassment by an overseas call worker.
JEFF PRESTRIDGE: Why it pays to beat the crowd when investing
With crowdfunding here to stay, the regulator is keen to ensure the sector is not beset by scandal or misselling. On equity-based crowdfunding offers, for example, shares can only be sold to 'high net worth' individuals or those who take advice from a regulated investment adviser. Website information must also be balanced, highlighting risks as well as potential rewards. Not everyone, however, believes the regulator is doing a thorough enough job.
BLACKROCK THROGMORTON TRUST: The quasi-hedge fund that's happy to make money out of misfortune
Battle of the brands: As Taylor Swift claims ownership of 'Swiftmas', big names are calling in their lawyers to fight off a surge in potential copycat trademark claims
Global corporations have gone on the warpath against smaller firms, claiming they are copying well-known trademarks. City lawyers are reporting a leap in the number of legal challenges - the vast majority of which are made by big groups, in what many see as a David and Goliath battle between struggling entrepreneurs and big business.
I struggled to earn a crust - until I struck gold as a rower: Olympian Ben Hunt-Davis tells how he worked in a bingo hall and survived on white bread
British rowing champion Ben Hunt-Davis was so poor before he won his Olympic gold medal in 2000 that some days he would survive on a diet comprising loaves of Tesco 'value' bread. At the time, Hunt-Davis - who now takes £20,000 family holidays and spends £50,000 a year privately educating his children - was so desperate for money he struggled to even get to his rowing training sessions in Henley-on-Thames, Oxfordshire.
Slow start but now turkeys are flying: Family business Copas Turkeys sees strong Christmas ahead
It may have been a slow start, but Copas Turkeys - which numbers Harvey Nichols among its stockists - reckons sales will be strong this year. Sarah Copas, 37, who runs the family business, near Cookham, Berkshire, with her brother Tom, 30, said: 'We think because of the mild winter so far people have perhaps not thought about Christmas so much and not got quite so interested as usual. In some areas sales have been slow to pick up, but they're absolutely coming in and it's looking like it will be a strong Christmas.'
Thinking about selling your property in the New Year? Six ways to get a headstart, add value to your home and make it stand out to buyers
One of the best Christmas presents you could possibly give is remarkably close to home. In fact, the recipient of this sought-after present should be your home itself. And the joy is that, long-term, you will be the one to reap the benefits, especially if you are planning to sell next year. So give your property the gift it deserves - and you'll be streets ahead once the market starts to pick up in 2016. Here's Santa's suggested list ...
Investors get 'Scrooged' as stock market suffers a December slump, so is it too late for a Santa Rally this Christmas?
Investors hoping for a Santa Rally in share prices fear getting Scrooged again this year, with the FTSE 100 tumbling 5.5 per cent since the start of December. This echoes last year's early falls, which were followed by a big bounce later in the month. But why do investors expect a good December in the first place?
'For a Dragon, it's about the individual more than the business': Dragons' Den star Sarah Willingham reveals her start-up secrets
BBC Dragon Sarah Willingham shares her advice for would-be entrepreneurs, including the traits she looks for in the Den, and who has been her biggest inspiration. Sarah was one of the youngest high-street entrepreneurs, turning Indian restaurant Bombay Bicycle Club into a profitable chain before reportedly selling her stake for millions.
Top fund managers of 2015 revealed: Which investing gurus will be celebrating this Christmas, and which have had a year they would rather forget?
Investing can be a fickle business, with markets and sectors falling in and out of vogue as sentiment fluctuates and wider economic events take their toll. A report highlights the 100 investment managers who boast the best five- year track record. However, there are some notable changes from last year as a tumultuous year in markets took its toll on some managers.
MORE BUSINESS, CITY AND ECONOMY NEWS
MIDAS SHARE TIPS UPDATE: Buy-to-let tip Paragon rockets, but be prepared to move on
Back in September 2012, Midas recommended shares in The Paragon Group of Companies, which specialises in providing mortgages for landlords. At the time the shares stood at 206½p. They have since soared and despite coming off their high they ended last week at 364p. That's a capital gain of 76 per cent, which knocks the performance of house prices into a cocked hat.
SMALL CAP MOVERS: Peppa Pig owner Entertainment One has 'a week of two halves', while AIM All-Share outperforms
Entertainment One was on the slide over Monday and Tuesday as its new refinancing package failed to bring home the bacon. But it rallied on Wednesday after it assured investors trading was in line with expectations. Shares remained around 16 per cent lower for the week, but had rallied from their 135p intra-day low to 170p by Friday. The best performer, however, was the AIM All-Share, which eased 1.2 per cent over the course of the week.
YOUR MONEY ESSENTIALS
Britain's biggest buy-to-let tycoons Fergus and Judith Wilson strike £250m deal with Arab investors to sell 900-property Kent empire
Britain's biggest - and most notorious - buy-to-let landlords have struck an agreement to sell their entire property empire for £250million to Arab investors. Fergus and Judith Wilson revealed more than a year ago their intentions to sell their 1,000-strong property portfolio - and were expecting around £100million.
Investing Show: How to avoid problem shares... so you can pick the winners
Jeremy Lang, of Ardevora, reveals how he doesn't meet company bosses and plans for bad news to last longer than expected to avoid mistakes and deliver market-beating returns. Also, on this fortnight's show, Simon Lambert, of This is Money, Richard Hunter, of Hargreaves Lansdown and Nick Batsford, of TipTV, discuss the prospects for a Santa rally, how markets fared in 2015 and reveal the best-performing investment trusts of the year.
Which firm drove YOU bonkers in 2015? Beware bunglers, it's our Wooden Spoon Awards time again
If you're brassed off with bungling banks, have been treated atrociously by telecoms giants or are fed up with being fobbed off by energy firms, now is your chance to get revenge. This is our eighth Wooden Spoon Awards and it's become the trophy big business fears the most - and that's because your opinion matters.
Are your dividends under threat? We reveal the shares at risk of a cut and those that look resilient
Already this year grocer Sainsbury's has cut its dividend along with miner Antofagasta, insurance giant RSA, Vanish owner Reckitt Benckiser and Tullow Oil. Some of these firms were once seen as safe havens in terms of paying dividends and the cuts have triggered concerns that this might be part of something much bigger. Who is next?
Avoid a New Year debt hangover: If you really need to borrow to finance Christmas watch out for these five most expensive forms of credit
The extra pressure on pay packets from festive spending means that just under a third of people will turn to borrowing. While there are certain advantages to paying by credit in some situations, a lot of the time it simply adds to your costs. If you are forced to borrow, here are the worst types of debt to avoid if you want to sidestep a New Year debt hangover.
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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.
When will interest rates rise? Economists suggest no move until late 2016 as Bank puts caution centre stage
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.
Best paid jobs 2015: Compare your salary to the national average in this league table of 350 professions - and see the year's winners and losers
Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.
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Premium Bonds winners
Prize value | Winning bond No. | Area |
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£1,000,000 | 225EP035620 | Cumbria |
£1,000,000 | 117TJ752915 | Bedfordshire |
£100,000 | 82NM750247 | Overseas |
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£100,000 | 181VR908480 | Cheshire West and Chester |
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MOST READ MONEY
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- Sweden's Ikano founded by family behind Ikea launches first UK savings account - a three-year fix paying 2.55% Welcome to the flat-pack bank.
- Biggest shortage of homes for sale on record pushes prices higher despite government initiatives to boost housebuilding RICS survey.
- Britain's biggest buy-to-let tycoons Fergus and Judith Wilson strike £250m deal with Arab investors to sell 900-property Kent empire
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- Investing Show: How to avoid problem shares... so you can pick the winners Fund manager Jeremy Lang reveals his tips
- Which firm drove YOU bonkers in 2015? Vote in the Wooden Spoon Awards Get revenge
- The English winemaker who beat the French... And now wants to take on the beer giants too
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- Housing costs leap by 36% for tenants - while falling for owners since the financial crisis Plight of the renters
- Why those low-cost car loans aren't as cheap as they seem The hidden charges and penalty fees
- Meet the professor on a mission to solve Britain's pensions crisis How to persuade us to put more in
- FCA needs to get the disgraced HBOS execs banned to prove its worth ALEX BRUMMER
- The five most expensive forms of credit to avoid this Christmas Avoid a New Year debt hangover
- My mother died and I arranged to pay the bills - now npower is demanding £120 for a gas leak at her house ASK TONY.
- Are your dividends under threat? We reveal the shares at risk of a cut ...and those that look resilient
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- Petrol prices head towards £1-a-litre as Asda lops another 2p from price Down to 101.7p
- Step into the shoes of the Earl of Suffolk by renting his former home for £7,000 A WEEK Live like a lord
- Thousands of new family homes could be built on green belt land Biggest shake up of planning rules for three decades
- Named and shamed: Watchdog reveals savings accounts that pay the stingiest interest rates Some offer just 0.01%
- The drinks are on me! Rolls-Royce's a limited edition £26,000 cocktail-making hamper It costs more than a BMW
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- 'Our house is a new-build and we were told it wouldn't flood' How to protect your home in the Storm Desmond aftermath
- Savings crackdown won't end the rip-off low rates... but it might stop Banks hiding them JAMES CONEY
- Would putting cling film on my windows make my home warmer? Energy saving tips
- Fixed bond and Isas set to plummet Charter Savings, Shawbrook, Metro, Tesco and Coventry all cut deals
- It's not a profit, honest! We reveal the council's making the most on parking They rake in a record £693m
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- Christmas deliveries to be hit by 'shortage of drivers' More shoppers choose to buy goods online
- Generous Britons will spend far more than any other nation on Christmas gifts We are expected to spend £499 each
- 'Forget the housing ladder - it's bad for our economy': City guru Gerard Lyons has a stark message that will...
- John Lewis invests half a billion pounds online as it predicts internet sales will overtake stores in just...
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- The proof of recovery: Use of private jets on the up for the first time since 2008
- Sainsbury's will not be closing stores as supermarket is set for a strong Christmas, says finance chief
- Britain in for export boost as the Fed is poised to raise US interest rates
- 'We cut the cost of our dream holiday using a house swap inspired by Cameron Diaz': Our 12-step guide to a...
- MIDAS SHARE TIPS: Profits set to soar as Dixons Carphone looks across Atlantic
- Shop till you drop... into a hotel bed in the same mall: Travelodge searches for sites in retail centres
- Publisher of Guardian newspaper to axe jobs as it heads for £40m loss
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- Sales at fashion website PrettyLittleThing set to hit £30m by the end of the year
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- IMF warns on UK housing market and EU referendum and says we should ditch stamp duty and single person council tax discount
- The tax credits furore failed to stir radical debate - but Finland is about to find out whether a universal basic income could solve tax and benefits chaos, says ADRIAN LOWERY
- How long would you have to graft to buy Ronaldo's Ferrari? Calculator reveals the number of years to buy top footballers' cars (and hours for them to buy yours)
- All new UK motors must be zero emissions by 2050: We compare the six best hybrid vehicles you can buy today
- Vicious day for investors as mining and oil are hit again: £120bn wiped off the FTSE and Chancellor warns it could get worse
- INVESTMENT EXTRA: Are metal and oil stocks still risky bets - or have they bottomed out making now the right time to buy?
- 'Vodafonepest': As the phone giant heads to top of complaints league for the fourth time in a row, one customer tells how call centre messages took a sinister personal turn...
- John Lewis invests half a billion pounds online as it predicts internet sales will overtake stores in just FOUR years
- Supermarket fuel price war is on: Tesco and Sainsbury's joins Asda and Morrisons by dropping petrol below £1 a litre
- 'The big brands have helped my US fund grow by 60%': Facebook, Apple and the like are worth $2.3trillion - but should you bite?
- Investors get 'Scrooged' as stock market suffers a December slump, so is it too late for a Santa Rally this Christmas?
- Battle of the brands: As Taylor Swift claims ownership of 'Swiftmas', big names are calling in their lawyers to fight off a surge in potential copycat trademark claims
- Less means more for skincare group ProSkin as it gets a boost from tattoo removals
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MIDAS SHARE TIPS
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- MIDAS SHARE TIPS UPDATE: Island's roaring economic growth helps to put Manx Telecom shares in fast lane with 27% gain
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- MIDAS SHARE TIPS: Prospects look secure as storage firm Lok'n Store's boost to sites helps it deliver record results
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- MIDAS SHARE TIPS UPDATE: Luxury student digs tip Empiric Student Property boosts portfolio ninefold
- MIDAS SHARE TIPS: Food outlet firm SSP to really fly at new airports abroad
FUND AND TRUST IDEAS
- JPM UK DYNAMIC: Fund bets house on George Osborne's building plans for 'Generation Buy'
- EDINBURGH INVESTMENT TRUST: Manager who took over from Woodford delivers 15% return over past year - and a 3.4% dividend
- OLD MUTUAL UK ALPHA: My unloved mega stock picks will come good, insists star investment manager Richard Buxton
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- Newton Real Return: Fund aims to deliver 'sensible returns' in both falling and rising markets
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- JUPITER JAPAN INCOME: Casio remains a watchword as fund faces fallout from China
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- Farmers warned of surge in scam calls and emails from fraudsters targetting their EU grants
- Savers' boost for charity: Yorkshire Building Society's Marie Curie Bond raises £330k in just two weeks
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ANSWERS FROM THE Experts
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- TONY HETHERINGTON: We were advised to reschedule cruise after virus outbreak on board - and RCI is now offering vouchers rather than a refund
- My ex-husband won't pay child support because he pays the mortgage on the house and most of the bills. Is this right?
- ASK TONY: Should I pay £1,300 get a bigger state pension? These new forecasts really make no sense to me
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Latest from Holidays
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- 'I had to pay up front to get help': Snow’s falling...but are you covered by your travel insurance?
- Are you skiing on thin ice? Make sure you're properly covered by winter sports insurance to avoid an avalanche of charges
- Fancy a European Christmas market? Budapest is cheapest capital on continent for a winter weekend break as pound powers back
- Cheap flight secrets revealed: Book 53 days in advance and never fly on a Saturday
- Fewer people plan to splash the cash on a holiday abroad in the next 12 months - but Europe remains our favourite destination
- Brazil, Mexico and Malaysia offer good-value winter sun for Britons after pound soars against global currencies
Currency | Rate | Buy now |
---|---|---|
Updated 13 Dec 2015. | ||
Euro | 1.3514 | Buy Now |
US Dollar | 1.4867 | Buy Now |
Australian Dollar | 2.03 | Buy Now |
Canadian Dollar | 2.0178 | Buy Now |
Chinese Yuan | 9.3826 | Buy Now |
Croatian Kuna | 10.19 | Buy Now |
Czech Koruna | 36.24 | Buy Now |
Danish Krone | 10.0 | Buy Now |
Egyptian Pound | 10.319 | Buy Now |
Hong Kong Dollar | 11.412 | Buy Now |
Hungarian Forint | 422.04 | Buy Now |
Israeli New Shekel | 5.583 | Buy Now |
Japanese Yen | 180.66 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
New Turkish Lire | 4.24 | Buy Now |
New Zealand Dollar | 2.1802 | Buy Now |
Norwegian Krone | 12.691 | Buy Now |
Polish Zloty | 5.7927 | Buy Now |
Singapore Dollar | 2.0721 | Buy Now |
South African Rand | 22.66 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 12.466 | Buy Now |
Swiss Franc | 1.4587 | Buy Now |
Thai Baht | 52.577 | Buy Now |
UAE Dirham | 5.4214 | Buy Now |
LATEST ON HOUSEHOLD Bills
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Latest from Investing
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- MIDAS SHARE TIPS UPDATE: Buy-to-let tip Paragon rockets, but be prepared to move on
- MIDAS SHARE TIPS: Profits set to soar as Dixons Carphone looks across Atlantic
- BLACKROCK THROGMORTON TRUST: The quasi-hedge fund that’s happy to make money out of misfortune
- 'The big brands have helped my US fund grow by 60%': Facebook, Apple and the like are worth $2.3trillion - but should you bite?
- Top fund managers of 2015 revealed: Which investing gurus will be celebrating this Christmas, and which have had a year they'd rather forget?
- Investors get 'Scrooged' as stock market suffers a December slump, so is it too late for a Santa Rally this Christmas?
- Are your dividends under threat? We reveal the shares at risk of a cut and those that look resilient
- The gift that keeps on giving: They can't unwrap it but saving into a children's investment trust could prove a great present by the time they hit 18
Latest: money and Cars
- Supermarket fuel price war is on: Tesco and Sainsbury's joins Asda and Morrisons by dropping petrol below £1 a litre
- All new UK motors must be zero emissions by 2050: We compare the six best hybrid vehicles you can buy today
- How long would you have to graft to buy Ronaldo's Ferrari? Calculator reveals the number of years to buy top footballers' cars (and hours for them to buy yours)
- Ford to plough £3bn into electric cars: One in five new Fords will have to be plugged in and charged by 2020
- Tell Chris Rea to change the lyrics: Two-thirds won't be driving home for Christmas to avoid dull conversation and traffic delays
- Volkswagen says UK owners of dieselgate cars will be 'attractively' compensated and recall will have 'negligible effect' on performance
- Could an F1 legend's favourite car really be this tiny electric runabout? We meet SIR STIRLING MOSS to test the Renault Twizy
- The VW cars that need emissions checked revealed: Carmaker says only 36,000 vehicles have incorrect CO2 figures - not the 800,000 feared
- Are gifts stashed in the boot covered? Drivers hide £1.5bn worth of Christmas presents in the car - but most don't check if they're insured to do so
- Why those low-cost car loans aren't as cheap as they seem: The hidden charges and penalty fees sales staff don't tell you about
Latest from Markets
- Biotech shake-up looms with takeover firm Levrett set to join the London stock market next week, raising £1million
- Sales at fashion website PrettyLittleThing set to hit £30m by the end of the year
- Publisher of Guardian newspaper to axe jobs as it heads for £40m loss
- Shop till you drop... into a hotel bed in the same mall: Travelodge searches for sites in retail centres
- INVESTMENT EXTRA: Are metal and oil stocks still risky bets - or have they bottomed out making now the right time to buy?
- Advertising giant WPP snaps up prized L'oreal from arch rival Publicis
- Sports Direct boss Mike Ashley takes a massive £224m hit following poor half-year figures and fears over business practices
- Chemical giants DuPont and Dow Chemical agree £85bn merger but competition authorities are expected to monitor the deal
- MARKET REPORT: Is Murdoch back on the Sky trail? Rumours surface that Fox wants to seize control of the satellite broadcaster
- ALEX BRUMMER: Trouble ahead for Mega-mergers and takeovers as the world's trust busters bare their teeth
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- This is Money's calculators and tools All our calculators in one place. See how they could help you
- Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today
- True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages
- Mortgage affordability: How much you can borrow Find out how much you can afford to borrow and the difference between repayment and interest-only
- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.