Over-55s cashing in their pensions to fund a buy-to-let have doubled since the arrival of pension freedoms

Over-55s cashing in their pensions to fund buy-to-let have doubled since pension freedoms

Figures from buy-to-let mortgage broker Commercial Trust show applications from those aged 55 to 70 now make up 31 per cent of applications, up from 28.6 per cent in the first three months of the year, while the proportion of those in the 55 to 59 bracket has more than doubled over the same period.

Is this the kick retailers need to drop diesel prices? Entrepreneur's three Midlands fuel stations are the first to offer it for under £1-a-litre

Motorists in Walsall, Redditch and Birmingham are the first to be rewarded with diesel for less than £1 a litre - a move experts hope will shove fuel retailers into action to cut their pump prices too.

I bought my Norfolk beach hut for £500 in 1975 and have now sold it for £55,000: Do I need to declare it and pay tax?

Do I need to declare my beach hut to HMRC and pay capital gains tax?

I've owned my beach hut in Norfolk for 40 years and originally bought it for £500. It's no more than a garden shed with a small gas stove for a cup of tea and bacon sandwich and we're forbidden to sleep in it. But because of the location and desirability I've sold it for £55,000. Do I need to declare it to HMRC and pay capital gains tax? 

'I received £316 refund from EE after I was billed for traffic TV': Why it's worth checking your mobile statement for hidden extras

A This is Money reader won back £316 plus VAT after discovering she was being charged for an app she never knowingly had or downloaded.

Public sector borrowing climbs to £14.2bn in November as George Osborne battles to balance the government's books

Drawing in more cash from income tax, corporation tax and national insurance contributions, central government received £46.3billion in income last month, but spent £58billion, the ONS said.

Investor poll points to sluggish returns and tough trading climate next year - but how do YOU think the FTSE 100 will end 2016?

Wary investors are forecasting only modest gains for London's top stock market next year, reveals a 2016 prediction poll. But what do you think - here's your chance to vote.

Tata Steel in talks to sell its Scunthorpe steelworks and Teesside mills to private equity firm Greybull Capital

Picture taken 10 December 2004 shows a steel worker at the blast furnaces of Sollac Lorraine, an Arcelor's subsidiary in Hayange, France.  Arcelor directors have accepted a partnership offer from Mittal Steel, the Luxembourg economy minister and a spokesman for Mittal Steel said here Sunday 25 June 2006. The new company formed from the union of European group Arcelor and Mittal Steel will be called Arcelor-Mittal, Arcelor chairman Joseph Kinsch said Sunday, adding that Mittal had improved its offer to Arcelor by 10 percent.       AFP PHOTO FILES/JEAN-CHRISTOPHE VERHAEGEN
(Photo credit should read JEAN-CHRISTOPHE VERHAEGEN/AFP/Getty Images)
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Greybull, run by the brothers Marc and Nathaniel Meyohas, has signed a letter of intent to try to buy the business, which includes the Scunthorpe steelworks, mills in Teesside

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FTSE LIVE: Footsie holds firm with steadier oil prices on fresh China stimulus hopes; US final Q3 GDP data awaited

FTSE LIVE: Footsie holds firm with steadier oil prices on fresh China stimulus hopes; US

The FTSE 100 was 42.6 points, or 0.7 per cent higher at 6,077.4. But European markets stayed weak, with Germany's Dax 30 index falling 0.3 per cent, and France's CAC 40 index losing 0.1 per cent. US stock futures pointed to another choppy trading session in New York, with investors cautious ahead of final US third quarter economic growth numbers, which could throw the potential Santa Rally further off course.

Shares soar in troubled Quindell as it resumes trading following £415m payout and changes its name to Watchstone

Prime Minister David Cameron with Indro Mukerjee, FlexEnable Chairman at the engineering centre in Cambridge, England.

The insurance claims management company, led by new chief executive Indro Mukerjee, saw its share price almost double to close at 195p, when it relaunched yesterday.

UK consumer confidence ticks up in December but fears still linger about the overall performance of the economy  

Shoppers on the last Sunday before Christmas, Oxford Street.
. REXMAILPIX.

Market research firm GfK said its monthly consumer sentiment survey showed a reading of +2 in December, up from +1 in November.

Mike Ashley fails to get one of his lieutenants installed to the board of replica football shirt maker Findel

Newcastle United owner Mike Ashley leaving the AGM of his company Sports Direct International in Shirebrook, Nottingham. PRESS ASSOCIATION photo. Issue date: Sunday September 14, 2008. Newcastle owner Mike Ashley has confirmed he wants to sell the club. See PA Story SOCCER Newcastle. Photo credit should read: David Jones/PA Wire.

Ashley used his 19 per cent stake to force an extraordinary general meeting at Findel to ask shareholders to vote in Benjamin Gardener as a non-executive director.

Bradford & Bingley investors call for probe: Watchdog accused of sweeping bank's collapse and fire sale to Santander under the carpet

Bradford & Bingley.jpg

Tim Lowden, the deputy chairman of the Bradford & Bingley Shareholder Action Group, accused the government and regulators of burying details of the affair.

Shell's £40bn takeover of BG Group edges closer despite tumbling oil price and shareholder discontent

Petrol pumps are pictured at a Shell garage in central London, 31 January 2008. Anglo-Dutch energy giant Royal Dutch Shell said Tuesday April 29, 2008, that first-quarter net profits leapt 25 percent to 9.08 billion dollars (5.83 billion euros) because of record-breaking crude oil prices. Net earnings on a current cost of supply (CCS) basis, excluding fluctuations in the value of inventories, were up 12 percent to 7.78 billion dollars in the three months ending March 31, compared with the same period of 2007.

AFP PHOTO/LEON NEAL/FILES (Photo credit should read Leon Neal/AFP/Getty Images)

(FILES)

The deal could complete in February after BG applied to the High Court to hold the shareholder meetings to vote on it in the new year.

Does size matter? Daimler reveals two new drop-tops with a £185k price gulf. RAY MASSEY compares the Smart and S-Class

Daimler reveals two new drop-tops with a £185,000 price difference

Daimler's two new cabriolets couldn't be any more different; the Smart Fortwo has a six metre turning circle while the Mercedes S65 AMG has a six-litre V12 engine. The latter also costs 15 times the price of the pint-sized Smart car.

Police fail to investigate 30,000 car thefts a year due to budget cuts with £229m in vehicles stolen without probe

New research has claimed 117,000 cars are stolen each year in the UK, but more than half of these cars are never recovered and around 30,000 aren't even investigated.

China is the land of opportunity for small UK businesses, as exports to the country overtake those to the US for the first time

More than a quarter of small businesses say they export to China, up from less than one in 10 at the start of last year. This means it has overtaken the US, although the EU is still the primary market.

Red tape is stifling us, say mortgage lenders, as rules to protect customers thwart older borrowers and online applications

Mortgage lenders say rules to protect customers thwart older borrowers

Confusing red tape is making it harder for middle-aged people to get a mortgage, banks and building societies say. The Council of Mortgage Lenders claimed nerves about breaking rules are running high and urged City watchdog the Financial Conduct Authority 'to consider whether the many recent layers of newly imposed regulation' might be stifling competition.

I'm 28 and have £50k in the bank but don't want to buy my own home - should I take the plunge and invest in student buy-to-let? 

I'm 28, single, and have £50,000 in the bank. It's a not a bad position to be in, but I don't know what to do. I am tempted by the returns offered on a student buy-to-let, is this wise?

Will a contrarian approach reap dividends in 2016? Six fund picks to invest for better returns in the year ahead

Tom Becket's six contrarian investment fund picks for 2016

Next year may not promise spectacular growth, but it could be that the sectors that fell from grace in 2015 - such as emerging markets - prove a big opportunity for brave investors. Here Psigma's chief investment officer Thomas Becket gives his six top fund picks for next year - whatever you are looking for from the market.

Could you start a business with just £10? School pupils were challenged to do just that - and the results would put the Apprentice candidates to shame

The £10 start-up businesses from these 11-14 year-olds will amaze you

How far could you stretch £10? These pupils were challenged to set up a business with just a tenner and really let their imaginations fly. Everything from bee keeping to dress making was on the agenda - and the young entrepreneurs donated almost £30,000 in profits to charity. Entry is now open for 2016, so good luck.

Welcome to selfie banking! Atom Bank to use face and voice recognition technology for account log-in 

Challenger bank Atom will use biometric technology when it launches next year in a bid to thwart the growing threat of cyber hackers.

There's no rush to raise interest rates, says Bank of England's Martin Weale, as UK inflation remains near zero and wage growth slows

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
. REXMAILPIX.

Back in September Weale had written that the Bank would have to raise rates soon in order that inflation remain in check. But now he has struck a more cautious tone.

I am 50 and have nearly paid off the mortgage: but will we be able to help kids through university and buying a home - and pay for care if we need it?

How can I invest now to help my kids through university and homebuying?

I was hoping for early retirement, but I still have to help the youngest through university, the eldest getting married and the thought of long-term care for me or my husband. How can I make sure my finances are on track so that I can enjoy the retirement I've been saving for?

Lloyds investors head to Supreme Court to overturn decision cancelling more than £3bn worth of annual interest on bonds

The logo of British bank Lloyds Bank outside a branch of the bank in central London, England.
British regulators said June 5, 2015, they had fined Lloyds Banking Group £117 million ($179 million, 160 million euros) for unfair treatment of customer complaints after they were mis-sold an insurance product.   

AFP PHOTO / JACK TAYLOR       
(Photo credit should read JACK TAYLOR/AFP/Getty Images)

More than 100,000 people were encouraged by the lender to take out high interest bonds at the height of the financial crisis. In return, savers received annual interest of up to 16%.

TONY HETHERINGTON: Merry Christmas - you won't have to pay for 21 years worth of gas  

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My wife and I bought our home in 1994 and early the next year we had the gas meter removed, followed by the installation of a new meter and reconnection of the supply.

How could they? Fury of doctor after NatWest let fraudsters plunder £194k from her business account over EIGHT DAYS

NatWest let fraudsters plunder doctor's account over eight days

When Dr Kristin Pagano found her card rejected for a second time, she rang her bank, NatWest, who informed that over the previous seven days, her account had been emptied by a series of withdrawals totalling £194,000 - all going to the same company, Axicorp.

Just 42 days left until the January 31 deadline... Four tips to avoid being hit with a £100 fine from the taxman

F0TJNJ UK HMRC Income tax return form for 2015 on a desk with pen and glasses

Don't leave it until the last minute. With the January 31 deadline looming for millions, we provide top tips on how to get your tax returns completed on time.

Got a Buccaneer in the attic that you plunder at Christmas? It's worth some booty as hot demand sees classic board games rise in value

financial mos pix paul lewis;..Sarah McClure, 35and Husband Chris (30), classic board games traders ñ Children Oliver, three, and Darcy, six. Husband is Christopher, 30. Live nr Manchester. with the classic buccaneer game

A wave of nostalgia for an era when people played together rather than staring at a TV or burying their heads in electronic gadgets is creating a boom in demand for vintage games.

Is this the ultimate New Year's Eve party pad? Flat available to rent for £12K a month will impress the most discerning of guests (just don't let the champagne cork hit one of the 40 bespoke lights in the entrance hall) 

Is this the ultimate New Year's Eve party pad? Knightsbridge flat available to rent for

Available to rent for £11,917 a month, this Knightsbridge flat has an entrance hall with a silver ceiling adorned with 40 lights and tube lighting in the shape of ice-cream cones on the wall. The apartment has metallic and gloss furnishings throughout making a 'fun and funky' place to party, according to Harrods Estates, which is marketing the property for rent.

MARKET REPORT: ITV tops FTSE with shares rising 2.9% on talk it is a takeover target for US media giant Comcast

MARKET REPORT: End of Downton shouldn't mean a downturn at ITV with shares rising 2.9% on

Reports over the weekend said executives from Comcast's TV and film arm NBCUniversal have met ITV bosses to discuss a possible £11bn bid for the British broadcaster. ITV remained tight-lipped yesterday - 'we do not comment on speculation' was the line trotted out of its London Television Centre headquarters - but the shares stormed to the top of the FTSE 100 leader board.

Football Pools could change hands for £100m with Tech firm Netplay TV in talks with current owner Sportech

Gareth Southgate during the StreetGames Football Pools Fives at St. George's Park, Burton. PRESS ASSOCIATION Photo. Picture date: Sunday August 4, 2013. Photo credit should read: Jon Buckle/PA Wire

The Pools was launched in 1923 by the Liverpool-based Moores family and at the height of its popularity attracted more than 10million players a week.

Diamonds in the rough: De Beers on spotting the fakes among the flawless and why their synthetic gems are becoming much more attractive

Mention diamonds and many may happily conjure up an image of Marilyn Monroe performing Diamonds Are A Girl's Best Friend in the 1953 movie Gentlemen Prefer Blondes.

Scandal-hit Toshiba warns of £3bn loss amid plans to cut 6,800 jobs in its consumer electronics businesses

Japan's troubled electronics giant Toshiba president Masashi Muromachi bows his head as he announces the new management of the company at Toshiba's headquarters in Tokyo, Japan. 
Crisis-hit Toshiba said it will book a net loss for the last fiscal year, as it scrambles to revise its financial records to account for a billion dollar accounting scandal. The company also announced that it would appoint a host of renowned Japanese business people as outside directors in a management overhaul to improve its corporate culture, in which high-handed bosses routinely pressured their subordinates to inflate profits.   

afAFP PHOTO / Yoshikazu TSUNO        (Photo credit should read YOSHIKAZU TSUNO/AFP/Getty Images)

The company has predicted a net loss of £3bn for the year to March 2016, up from £209m 12 months ago. This was attributed to £1.27bn in restructuring costs as the company plans job cuts.

Exhuming a buy-to-let lender: The downfall of Bradford & Bingley has some unique lessons for regulators, says ALEX BRUMMER

Daily Mail City Editor Alex Brummer.
byline

Clearly, B&B; never carried the same systemic risks associated with the collapses of the Royal Bank of Scotland and HBOS.

Drug giant Shire plans to sweeten its £20bn Baxalta bid by adding £8bn cash payment to fresh offer

Flemming Ornskov, chief executive of pharmaceuticals firm Shire.  LICENSE AGREEMENTnThis Photograph taken by VisualMedia is supplied with an indefinite license for editorial purposes, but excluding advertorials or competitions. The license also covers internal communications requirements such as newsletters and non-commercial website use. Usage for external marketing / advertising purposes will attract additional fees that need to be negotiated dependent on requirements.nnFor further information please contact VisualMedia on +44 (0)20 7613 2555.nnNote to Press:nThese images are supplied free of charge for editorial usage.nMandatory credit: VisMedia

Shire, whose shares are listed on the stock exchange in London, wants to lessen its dependence on Vyvanse, its blockbuster treatment for attention deficit hyperactivity disorder.

Merger of the AA and Saga fuels payout worth £1.7bn for private equity firms Charterhouse, Permira and CVC

General view of SAGA in Sandgate, Kent. PRESS ASSOCIATION Photo. Picture date: Monday June 25, 2007. Saga and the AA announced surprise merger plans today in a move creating a motoring and insurance giant worth  6 billion. See PA story CITY Saga. Photo credit should read: Gareth Fuller/PA Wire

The massive payout over the last year, revealed in accounts just filed by the group, includes an estimated £110 million which was awarded to staff of the two firms.

'I'm Wonka-in-Chief': James Middleton takes us on a tour of his marshmallow factory and reveals all on his struggle to be taken seriously as a businessman

James Middleton on why he wants Boomf be taken seriously in business

James Middleton, the brother-in-law to a future king, is trying to cut his way as an entrepreneur. His firm Boomf sells marshmallows printed with personal messages or photos. But it's not his job title which undercuts his business gravitas. It's more probably that of his sister Kate - Duchess of Cambridge. And headlines focus on his private life dating TV celebrity Donna Air (inset) or even his beard. He reveals his frustration and success.

Good times roll as Accessorize picks up on Rollasole's shoes that fit in your handbag and have been worn by the stars

Accessorize picks up on Rollasole's shoes that fit in your handbag

The ballet pumps are on trial in Accessorize, which their developer Matt Horan said 'seems like a natural fit. It's our price point and demographic'. Former social worker Horan had the idea for the shoes in 2008 after nights out with his girlfriend ended with him giving her a piggyback because her feet were sore from high heels.

'Shrinking would leave us better off': Bosses of award-winning holiday cottages firm say VAT threshold is too low and rate is too high

Mazzard Farm Holiday Cottages in Ottery St Mary, Devon...Co-owners Ruud Jansen Venneboer and his wife Jacqueline Parker. The owners of a sustainable tourism business in East Devon have moved to slash their carbon emissions and save money by investing in a new biomass boiler.Mazzard Farm, a collection of self-catering holiday cottages near Ottery St Mary, was one of the first businesses in the South West to switch a large amount of its heat generation oil to biomass.Now six years on it has gone a step further, replacing both its original biomass and remaining oil boilers with one 60kW state-of-the-art pellet boiler.The new system fitted by Exeter-based SunGift Energy not only provides all of the heat and hot water for the six holiday cottages, but also heats the ownersí house and generates a 16 per cent return on investment each year, thanks to payments from the Governmentís Renewable Heat Incentive...

Ruud Jansen Venneboer and Jacqueline Parker who own Mazzard Farm near Ottery St Mary, Devon, believe the appetite among tourism businesses to grow is poor.

'Hounded' firms fight back over tax red tape toll: Business leaders warn over plans to make small firms use online tax returns

16D_HECTOR TAXMAN COLOUR.jpg

The call for the taxman to spend more on helping companies cope with its own red tape follows claims in a National Audit Office report last week that small firms are being 'hounded' by HMRC.

Get ready for the Christmas fraudsters: More than a quarter of British businesses expect an Advent increase in crime

DW1RRT hacker on duty. Image shot 11/2012. Exact date unknown.

In a poll of members of the Chartered Institute of Credit Management, 28 per cent of respondents said they normally see an increase in fraud at this time of year.

Looser planning laws helps boost Pimlico Plumbers to a record six months' sales

Charlie Mullins, owner and founder of Pimlico Plumbers,
pr handout

For the first half of its financial year 2015-16, the firm founded by bos Charlie Mullins hit sales of £13.5 million, putting it on track for a turnover of £30 million by the end of May.

Don't get mad, get even: Your 15 best responses to help get rid of pesky cold callers for good

How to get rid of cold callers - your 15 best replies

When was the last time you were cold called? Within the past week, day or hour? If so, we've compiled a list of the best responses from the This is Money readers for dealing with them from the peculiar to the practical. Enjoy and add your own in the comments.

Beware that 'interest-free' credit card: Banks fail to warn borrowers of when deal ends and sky-high rates kick in

Stephanie Clark is one of many customers to take advantage of a zero per cent account. The deals last between nine and 27 months - long enough for borrowers to lose track of when charges will apply.

What diesel emissions scandal? We drive VW's new super-efficient petrol Golf to see if it is as economical as the figures say...

We drive Volkswagen's new efficient petrol Golf — but is it as economical as the figures

Amidst all the recent scandal, Volkswagen has released a super-efficient petrol version of its volume-selling Golf hatchback. An independent German car tester has found it's 18 per cent less economical than the official figures suggest.

Plug-in car grant extended to 2018 but hybrid buyers will now receive half as much as before towards new vehicles

The government announced that it will extend the Plug-in Car Grant to 2018, but the subsidy buyers receive towards a new car will be cut significantly thanks to a new structuring system.

Save £30 a year on your car insurance: New website offers free legal service that providers charge for as a policy bolt-on

Ever heard of Motor Legal Protection? You should have if you're a motorist, because you've probably been paying £30 a year for it. A new website is offering it for nothing, saving motorists £100m.

Where to buy the best-value turkey: We compare prices of frozen, fresh and top-of-the-range birds across the UK's big shops

Where to buy the best-value turkey: Prices across the UK's big retailers compared

This is Money has compiled a list of the cheapest places to buy a frozen, fresh and top-of-the range bird in our ultimate guide to buying the cheapest Christmas turkey. Lidl tops our survey as the cheapest place to buy a turkey - with its frozen bird costing just £10.99 and feeding six to eight people.

'We used the cash we saved ditching our expensive TV package to fund dream holidays to Niagara Falls and New York'

The average family spends a whopping £471 a year on a TV package, yet 65 per cent of Brits will watch less than a third of the channels on offer, according to research by Freesat.

Why a strong pound means many top holiday spots have suddenly become a whole lot cheaper...

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British families looking for some winter sun or skiing are in luck, with the pound sharply higher against the currencies in a host of far-off countries as well as the euro.

INVESTMENT EXTRA: Bonds are still an attractive home for those seeking income while interest rates continue at record lows

Bonds are still an attractive home for those seeking income while interest rates continue

But since the start of 2015, some have called the top of this bull market (where prices have risen rapidly), arguing bonds are in a bubble that must eventually burst. Are they right? Bond markets have certainly been more volatile this year as investors have tried to guess when interest rates will rise. But I believe their argument is flawed, if not downright wrong.

ABERFORTH SMALLER COMPANIES: Silence is golden for trust that lets numbers do the talking

funds at a glance.jpg

Judging by the way it behaves, you would think that Aberforth Partners is a Swiss bank that prefers to conduct its business affairs under a veil of secrecy. But its success speaks for itself.

JEFF PRESTRIDGE: My tips to reshuffle your savings and maximise returns in the New Year

NS&I; has just served notice on early holders of pensioner bonds that the good times are over, savers need to make sure they get on top of their accounts to get the best returns.

MIDAS SHARE TIPS: Kuwaiti royals build profits with Sigma Capital Group as new homes ease shortage 

MIDAS SHARE TIPS: Sigma Capital Group's new homes to ease shortage 

Home ownership has been a British aspiration for centuries. A new breed of housing is emerging - modern, purpose-built rental homes funded by large institutions and companies. Sigma Capital Group is ideally placed to benefit from this. The shares are 81p and should increase substantially over the next five years.

MIDAS SHARE TIPS UPDATE: Ethical palm oil producer DekelOil's shares edge up as production rises seven-fold 

A labourer carries freshly cut palm fruits to be used in making palm oil, at a plantation run by an Ivory Coast palm oil research center, in Alame, near Abidjan, on June 5, 2013. The first African summit dedicated to the issue of palm oil production (APOC) will be taking place in Abidjan from June 10 to 12.  AFP PHOTO / SIA KAMBOU        (Photo credit should read SIA KAMBOU/AFP/Getty Images)

Based in Ivory Coast DekelOil, works with local farmers, processing their oil so it can be sold at a decent price to refiners. Midas recommended Dekel in May. Since then, production has soared.

Sunday newspaper share tips: Sigma Capital Group | DekelOil | ETFs

C932RD Bricklayer laying brick wall

We round up the Sunday newspaper share tips. This week Midas looks at Sigma Capital Group and DekelOil, while Questor looks at ETFs.

Do you live in one of the 50 best places in the UK? A tranquil corner of Hampshire tops the list for an impressive fifth year in a row 

Hampshire district retains the top spot in the 50 best places to live in the UK

A tranquil corner of Hampshire has been named as offering residents the best quality of life in the UK for an impressive fifth year in a row. Residents earn well above the average salary in Hart, Hampshire, and are the healthiest in the UK, according to the annual top 50 places to live in the UK list by Halifax.

Would you pay £450K for a bit of roof space? Rooftop with planning permission for a one-bed home sparks fears London's property market is reaching new heights

At more than twice the average value of a property in Britain, the £450 asking price has prompted further concerns about the capital's housing market overheating.

Rents across England and Wales inch up another £31 in a year - and experts warn of further hikes in the new year

Sisters Avenue in Clapham where a room is for rent for £500 P/M which is in fact a cupboard under the stairs.
Picture David Parker 30.9.15 Reporter Neil Sears

The average monthly rent was £806 in October, but fell to £799 in November, the index from estate agents Your Move and Reeds Rains reported. Rents hit a record high in September at £816.

Fight back against the banks: Your guide to the rules of switching and where to find the best current accounts - some will even give you free money!

Switching bank accounts - how to find the best current account deals

If you want to secure a better deal on your current account, read our guide to switching and the best offers available.The good news is switching banks is easier than ever. Here we explain the process, how to get the best deal, who some of the smaller rivals are and where free money is up for grabs.

That's what we call a Christmas delivery: Ferrari rewards dealer with an F1 car but bedlam ensues getting it into the showroom

Ferrari rewards dealer with an F1 car but bedlam ensues getting it into the showroom

Had a successful 2015? Exceeded all your targets? Gone above and beyond for your employer? If so, you might receive a bonus or a bottle of bubbly. But for one luxury vehicle dealer its reward was a Ferrari F1 car. Surely going down as one of the coolest Christmas deliveries of 2015, H.R. Owen - a London based car showroom - was gifted with the car on Thursday after being awarded the Ferrari dealer of the year accolade.

Five of the best classic cars for less than £30k: Industry insider's tips on the future stars that will soar in value

We drafted in the expertise of Paul Michaels - a man who makes a living out of buying the right collectible cars - to deliver five cars primed for classic status.

My Christmas shopping was stolen from the boot of my car. What can I do? 

B6HJRM Christmas gifts in a trunk of a car. Image shot 2008. Exact date unknown.

Shocked I called my car insurer but was shaken to discover I was not covered for anything over the value of £50 to replace the presents. Is there any recourse for me?

Two-millionth Land Rover Defender built by celebrities and fans sells at auction for £400k: We put the 4x4 legend to the test

Two-millionth Land Rover Defender sells at auction for £400k

For a short period only, you can still pick up a new Land Rover Defender for as little as £23,100. But a buyer decided to spend 17 times that on one at auction last night. The two-millionth Defender was specially designed and built by the British carmaker and a raft of celebrities and Land Rover ambassadors.

'Black Friday style' promotions propel UK November retail sales higher than expectations in the run up to Christmas

Shops on Oxford street are displaying sale signs and discounts after black Friday deals saw a decline in footfall in high street shops as people took to the internet to shop.

British stores saw a 5 per cent growth in retail sales year-on-year to November, rather than the 3 per cent expectation, the ONS said. Monthly retail sales grew by 1.7 per cent instead of the predicted 0.5 per cent.

RACHEL RICKARD STRAUS: Advertising gets sneakier every Christmas, but let's refrain from buying leftover Black Friday tat

Shoppers on Oxford Street in London, as the hysteria of Black Friday and Cyber Monday might be behind us, but experts predict the biggest shopping day of the year is yet to come. 
Consumers are set to spend £676.5 million tomorrow, dubbed "Manic Monday", as retailers prepare for 151 million visits to their websites, according to data firm Experian and online retailing trade association IMRG. 

PRESS ASSOCIATION Photo. Issue date: Sunday December 7, 2014. 
See PA story CONSUMER Manic. Photo credit should read: Anthony Devlin/PA Wire

We've started to make a list of insidious advertising catchphrases - why not send us your favourites? Top of our list is 'the more you buy the more you save' (what?!).

Can I top up AND defer my state pension? If so, by how much will I boost my income?

Can I top up AND defer my state pension? Yes, it's an income booster

Pension expert David Smith of Tilney Bestinvest calculates that topping up by the full amount and deferring for just one year could increase your state pension income by a chunky 34 per cent to £159.13 a week. But in order to take full advantage, you must reach state pension age before 6 April 2016. That's because the top-up scheme cuts off then, while the 10.4 per cent annual boost to income from waiting a bit longer for your state pension is slashed to a much more miserly 5.8 per cent.

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.

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

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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? The Fed finally raises rates but will the Bank of England move in 2016?

When will UK interest rates rise?

A 0.25 per cent move up in the Fed funds rate has set a marker that the Bank of England's ratesetters will be measured against. Economists expect no move here until late 2016 and the money markets say no move until 2017, but the Bank's deputy governor Ben Broadbent says people should not rely on that.

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 price rises ease but London market is picking up again

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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.

TIPS, TOOLS AND HELP FOR LANDLORDS

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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

Compare your pay to the UK average across 350 professions

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.

Premium Bonds winners

December 2015
Prize value Winning bond No. Area
£1,000,000 225EP035620 Cumbria
£1,000,000 117TJ752915 Bedfordshire
£100,000 82NM750247 Overseas
£100,000 237VF815101 West Sussex
£100,000 235VA243441 Staffordshire
£100,000 210QR492410 Outer London
£100,000 181VR908480 Cheshire West and Chester
£50,000 95HD121785 West Yorkshire
£50,000 66AP304308 West Yorkshire
£50,000 239DM620920 Hereford and Worcester
£50,000 234GZ543912 Avon
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MOST READ MONEY

Tourist rates

Currency Rate Buy now
Updated 22 Dec 2015.
Euro 1.3275 Buy Now
US Dollar 1.4534 Buy Now
Australian Dollar 2.003 Buy Now
Canadian Dollar 2.031 Buy Now
Chinese Yuan 9.2625 Buy Now
Croatian Kuna 10.078 Buy Now
Czech Koruna 35.807 Buy Now
Danish Krone 9.8773 Buy Now
Egyptian Pound 10.145 Buy Now
Hong Kong Dollar 11.24 Buy Now
Hungarian Forint 411.46 Buy Now
Israeli New Shekel 5.5328 Buy Now
Japanese Yen 176.86 Buy Now
Malaysian Ringgit 6.2624 Buy Now
New Turkish Lire 4.1634 Buy Now
New Zealand Dollar 2.1271 Buy Now
Norwegian Krone 12.685 Buy Now
Polish Zloty 5.5964 Buy Now
Singapore Dollar 2.0415 Buy Now
South African Rand 21.858 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 12.28 Buy Now
Swiss Franc 1.4446 Buy Now
Thai Baht 51.72 Buy Now
UAE Dirham 5.3301 Buy Now

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How to bag the new home you want: The homebuyer's guide to getting a mortgage

The golden rule to getting the mortgage you want is getting your finances in order first. we reveal how you can get the best chance of securing the home load that you need.