Pension funds at risk as BP and Shell's near £10bn profits slump sparks dividend payouts fears

Pension funds at risk as BP and Shell's near £10bn profits slump sparks dividend payouts

Both BP and Shell are expected to see their full-year profits for 2015 slashed by about 40 per cent leading to fears that they will struggle to maintain their dividend payouts to shareholders. BP is predicted to report profit for the year of $6.8billion (£4.8billion) down from $12.1billion previously, while Shell is set to report profit down to $10.7billion (£7.5billion) from $19billion.

Google's UK eyeopener! As it reveals an £11BN profit, internet giant could still avoid British tax if crackdown comes into force next year

Google Chief Executive Officer Eric Schmidt gestures as he speaks at a Washington Ideas Forum, Friday, Oct. 1, 2010, at the Newseum in Washington.   (AP Photo/Manuel Balce Ceneta)

Google sources said even then it could keep its tax bill low by adding more to its bills.

Deals website nCrowd goes bust owing shoppers money - but then reappears under new ownership: How to stay safe when shopping online

Deals website nCrowd goes bust owing shoppers money but then reappears under new ownership

Before Christmas, The Mail on Sunday reported that UK discount deals website nCrowd, also trading as BoomStreet, was on the cusp of going bust. Since then the business has gone into liquidation but the brand has reappeared online. Here, Laura Shannon explains how this can happen - and warns of the hidden dangers of internet shopping.

City braced for a 'vote of no confidence' in its watchdog the Financial Conduct Authority

Television Programme: Bankers: Fixing The System featuring deputy governor of the Bank of England Andrew Bailey.

Programme Name: Bankers - TX: n/a - Episode: Fixing The System (No. 1) - Embargoed for publication until: n/a - Picture Shows: Andrew Bailey, Deputy Governor of the Bank of England and CEO of the Prudential Regulation Authority - (C) BBC - Photographer: Alex Barrett

One MP warned that without a Government whip to support the regulator the vote could go against the FCA and damage the reputation of Britain's financial services.

Tesco and Asda worse than rivals as they are rapped on unpaid debt disputes

CB6H72 Customer is served at the till in a Tesco store

The two groups between them were issued with 149 CCJs in the past six years, out of 185 issued against all supermarkets.

TONY HETHERINGTON: I was overpaid - but now Barclays says I'm £1,770 worse off

Barclays Bank Headquarters, Docklands, Canary Wharf, London UK...AH1EWA

I paid a cheque made out in Canadian dollars into my account at Barclays and staff assured me it would take no longer than five days to clear. But the cheque was counterfeit.

Pension regulator asks Government to tighten rules as market is hit by rogue providers

Commuters using overground train services waiting to pass through the barriers at Waterloo station, London, during strike by tube workers, as the UK's busiest and quietest train stations have been revealed by the rail regulator. 

PRESS ASSOCIATION Photo. Issue date: Tuesday December 15, 2015. London Waterloo had the most passenger entries and exits last year at 99.2 million, according to the Office of Rail and Road (ORR). See PA story RAIL Stations. Photo credit should read: Andrew Gray/PA Wire.

File photo dated 30/04/14.

The move comes as 500,000 companies are required to sign up with a provider this year under new legislation forcing all employees to be enrolled into a pension.

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MIDAS SHARE TIPS: Satellite Solutions Worldwide aims to provide broadband to consumers in remote areas - and strong returns for investors

MIDAS SHARE TIPS: Satellite Solutions Worldwide aims to provide broadband to consumers in

Given that expensive monthly bills have little appeal, most rural households are forced to live with very slow access, something about which governments across Europe are increasingly exercised. Satellite Solutions Worldwide aims to help these disadvantaged folk - and provide strong returns for investors. The firm is small now, and the shares are just 4.35p, but there is real growth potential over the next five years and beyond.

Business rates agency could 'seek outside help' as it struggles to cope with backlog of cases

Preston named in report as having the UK's most unhealthiest High Street. - Fast food outlets and other unhealthy shops on Friargate in Preston town centre, Lancs.

Senior sources in the commercial property market said they could not see how the Valuation Office Agency would be able to deal with a backlog of almost 300,000 appeals.

Lush Cosmetics to create strategy for 'coping with success' as it sees rapid expansion

An interior view of the Lush store in London, England.

The chain, famed for its bath bombs, natural ingredients and its brightly coloured stores, was founded by majority shareholders Mark and Mo Constantine in 1994.

Boris sees the light... and launches project to showcase our brightest firms overseas

London mayor Boris Johnson is launching a scheme to help fast growing technology and life science firms in the capital to trade abroad.

SIMON WATKINS: We need a regulator who really knows where the flaws in the banking system lie - we'll be watching you, Mr Bailey

Andrew Bailey, the incoming chief of the Financial Conduct Authority, has a mountain to climb.

Chrissie's American dream: The White Company seeks a location for its first store in the US

Chrissie Rucker, head of The White Company pictured at her Buckinghamshire home...HIGHER FEES APPLY.   ..Camera Press / Andrew Crowley

The homeware and fashion retailer, owned by entrepreneur Chrissie Rucker, has a team of experts scouring possible sites in areas including New York, other North-Eastern States and Texas.

From renovating furniture to growing your own veggies: How to make a living doing what you love

From renovating furniture to growing your own veggies: How to make a living doing what you

A hobby can be more than just an enjoyable pursuit - it can also make you money. Here, The Mail on Sunday looks at ways to turn pastimes into a profit.

Being a property guardian means you can rent rooms in interesting buildings for half the going rate - but there are downsides to Crashing...

Television Programme: Crashing wit Phoebe Waller-Bridge As Lulu, Damien Molony As Anthony, Louise Ford As Kate, Jonathan Bailey As Sam, Julie Dray As Melody, Amit Shah As Fred And Adrian Scarborough As Colin

When the arrangement works well, both the owner of the property and its guardians benefit. A place that's empty for long periods is a blight on a neighbourhood.

From redress schemes to legal expenses cover, and now a mediation service: How can tenants can take on their landlord and win

One landlord is helping tenants fight back with a service providing legal letters and mediation services. It costs £87 a year, but some services can already be accessed for free.

'I make decent money and it's never dull': How to earn cash by being a TV or film extra - and even your home can be a star

I made it in the movies: It won’t win you an Oscar, but being a TV or film extra can be

Hollywood's A-listers are currently competing for the film industry's top awards - earning millions of pounds a year plying their trade. But even the unsung heroes of movies - the extras - can make a living from appearing on the silver screen. Aspiring actress Evie Wray, from Epsom Downs, Surrey, has been earning money as a movie extra since she was aged just 13.

JEFF PRESTRIDGE: Bottom line for HSBC is clear... profit über alles

branch of HSBC bank in Hale, Altrincham. The banking giant has said that 1,200 UK staff are facing potential redundancy.  PRESS ASSOCIATION Photo. Issue date: Wednesday March 25, 2009. See PA story CITY HSBC. Photo credit should read: Dave Thompson/PA Wire

File photo dated 18/4/2008

HSBC is racking up the rate on its Premier credit card from 11.9 to 16.9 per cent. HSBC says the increase is due to new legislation 'which make our current offer unsustainable'.

Ken Hom: I'm my own personal brand and my woks are built to last - but I'd love people to buy a new one!

Michelin-starred chef and entrepreneur Ken Hom started cooking at the age of 11 in his uncle's restaurant. Here he shares his start-up secrets, including the one person he would love to cook for.

'The nearest HSBC branch will now be more than three miles away: Fury as another bank branch bites the dust

One of the latest communities to be told that their HSBC branch is being shut is Chislehurst in Kent.

Housing market ends 2015 with a bang with property prices up by an annual 6.4% in December

land registry map.JPG

Average property prices in England and Wales were £11,318 more expensive in December compared to a year before, costing £188,270.

Say Aloha to a fortune if a legend played your guitar: How to make a mint from electric guitars

Say Aloha to a fortune if a legend played your guitar: How to make a mint from electric

It was played by Elvis Presley in the famous Aloha From Hawaii concert in 1973 and two years later, he gave away his distinctive guitar to a fan at a concert. This month, the 1969 custom Gibson Ebony Dove sold for £185,000.

Could the retail giants rise again? M&S; stock has held up and shares yield 5% - but Sainsbury's and Tesco could be due a comeback...

For those investors who believe the retail giants will rise again, the key is to drip-feed your money in if you are buying shares to minimise the effects of any dips in the share price.

MIDAS SHARE TIPS UPDATE: From motorway to medical, our tip JLIF's healthy 50% return

DP9JRP Forth Valley Royal hospital in Larbert, Scotland, UK

Midas recommended JLIF in November 2010, when it floated on the Stock Exchange at 100p. Today the shares are 117p.

Real or not real: Is this answer machine message a genuine one from HSBC bank or a phishing scam to get hold of bank account details?

Real or not real: Is this answer machine message a genuine one from HSBC bank or a

This is Money has documented various cases of readers who have been duped by criminals pretending to telephone from their bank and using an array of tactics to make the call seem genuine. Listen to this answering machine message left on a Thisismoney journalist's phone, and see if you can guess - and then vote - whether it is a genuine call from HSBC or a scam.

Osborne under fire over Google tax deal as minister claims 'a five-year-old could have done a better job' 

The Chancellor, pictured, may have had his PM hopes dented amid claims Tory ministers have turned on him after he lauded Google's £130m tax deal with the UK government a 'major success'.

RUTH SUNDERLAND: Creating a Google or Facebook of our own would have an added benefit: we could actually tax it

The tax system for multinationals was created in the 1930s for a very different type of corporation: one that had a physical presence and sold actual goods.

'Maggie will be turning in her grave over what Osborne is doing to small firms': Neil Westwood's broadside over dividend tax

‘Maggie will be turning in her grave over what Osborne is doing to small firms’: Neil

Westwood, whose company Magic Whiteboard shot to fame on Dragons' Den, is furious about some of the Chancellor's tax plans, which he believes will harm entrepreneurs like himself. He is particularly dismayed by a move announced by Osborne in his Autumn Statement which in effect slaps an extra 7.5 per cent tax on company dividends. These payouts are the rewards for shareholders and they are the way many small company owners pay themselves. They believe it is recompense for the risk of starting up a business.

Ocado's pet project...a shop in London's trendy Stoke Newington

Picture:  Craig Hibbert  28-1-16..Paws & Purrs, Kersley Rd. London N16. Pet shop bought by Ocardo.

The shop, in trendy Stoke Newington, looks like an independent shop selling upmarket pet food and dog-grooming services.

Bath-based IT firm TrueSpeed sets up own fibre-based broadband

D9C1TF Barge on the River Avon near Pulteney Bridge in Bath, Somerset, England, UK

Bath-based TrueSpeed is building the fibre-optic network from Bath to nearby Chew Valley.

Peer-to-peer finance platform Assetz Capital secures £525m to be lent to UK SMEs

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Assetz Capital has today announced that it has secured £525million to be lent to UK small and medium-sized enterprises in the next few months after securing funding from institutional investors.

We've got luxury values ...let's try luxury prices: Village England to launch new handbags range

28-01-16 PIC SHOWS JULIA DOBSON THE CO-FOUNDER OF "VILLAGE ENGLAND" HANDBAGS COMPANY. SHE HAS BEEN INTERVIEWED FOR THE CITY SECTION.

The business, which was set up by Eddie Knevett and Julia Dobson, the former UK boss for French brand Céline, sells most of its bags for less than £300.

Dry January? Bar bookings through nightlife guide DesignMyNight are up 60%

Nick Telson (black jumper) and Andrew Webster.

The website, set up by university friends Nick Telson and Andrew Webster in 2010, also saw a 25 per cent increase in traffic.

Asset-based finance supports 15% of all UK company turnover - a third higher than in the rest of Europe

Stack of invoices with calculator and red pen (focus on tip and circled amount) showing debts on white table.

BWD3MT

France and Germany lag behind the UK in both the proportion of the economy supported by asset-based finance and absolute terms.

He's exposed rip-off fares by flying from Sheffield to Essex - via Berlin! - for less than the cost of a train ticket: Meet the 6ft 5in teenage brainbox who can save you a fortune 

Jordon Cox exposed rip-off fares and now he can save you a fortune

Jordon Cox is 6ft 5in, stick thin, with size 15 feet and a granite-strong handshake. Over the past few days, his life - always a bit unusual - has become increasingly bizarre. 'Mental crazy' is how he describes it. The 18-year-old from Essex has been invited to be interviewed for TV programmes all over the world in his very sensible specs and terrible haircut. His name even cropped up on BBC1's Question Time on Thursday night. 'They were debating me! It was crazy. Everyone was clapping,' he says, all pink and pleased. The reason? He'd posted a blog on a savings advice website in which he explained how he had made a journey from Sheffield (where he'd been advising members of a local WI group how to save money on their supermarket bill) to his home town, Shenfield in Essex. Rather than go direct, he took a 1,017-mile detour via Berlin. It meant a day's more travel - but it cost him £7.72 less than the train equivalent.

One in five or 8m British motorists won't use the country's motorways because of safety fears and lack of confidence

Next time you're stationary on the M25 or routed to the spot on the M4, think to yourself: it could be worse.
That's because 8milion of the nation's 38m drivers admit to rarely ever using motorways.

Millions of credit card holders see their credit limit upped automatically - and many say it lures them into spending more

Around 19 million credit card holders have had their credit card limit increased automatically, and 24 per cent of these say have then seen their spending rise as a result.

The three compounding mistakes investors should avoid, according to Nutmeg boss NICK HUNGERFORD

Nick Hungerford: Three compounding mistakes investors should avoid

Do you know what the eighth wonder of the world is? According to Einstein it's compounding, and specifically compound interest. But while investors will have been told this regularly, there are some common mistakes they make on compounding, says Nutmeg boss Nick Hungerford.

I cancelled Virgin holiday to Barbados due to Zika virus worries - but it would only give me half a refund despite being pregnant...

We booked a holiday to Barbados as a treat before I give birth. However, Zika has reached the country and I'm worried, so cancelled. However, Virgin Holidays will only give me half a a refund...

Coffee shop owner in the Welsh town that went offshore puts himself forward as the next boss of HMRC - and 140k sign petition to back him

An online petition has been signed by more than 140,000 people backing Steve Lewis, the former army officer from Crickhowell, to become the next chief executive of HMRC.

What made you fall in love with your home? The top reasons for buying given by homeowners revealed

The three real reasons behind why people buy a property

More than half of buyers buy a property because they fall in love with it and the top three reasons for this are location, price and the garden, according to new research. Fifty-eight per cent fell in love with their home due to its location, followed by 37 per cent due to its price. This was followed by those who chose their property due to its garden.

Should pension scam victims be let off tax bills? People whose savings were looted then face 'hammer blow' of 55% tax bill

People aged under 55 who are conned out of a retirement pot face a second blow from stiff tax bills, because HMRC imposes charges to claw back tax relief from younger savers.

Up to 17m HSBC customers unable to access accounts online for second time in a month as bank is targeted by hackers

HSBC online banking message.JPG

HSBC customers were unable to access their accounts online after the bank suffered a cyber-attack this morning - the second such attack inside a month.

We still want a retirement income despite the new temptation to raid savings: so what is the best way to draw income from a pension pot?

The best ways to take your retirement income 

Annuities are no longer the only option for taking an income and retirees now have a wealth of options from staying invested and taking money out through income drawdown, putting money in a fund portfolio or combining everything through 'third-way products'.

We are thinking of building a house in the garden of our home. Would we have to pay capital gains if we sold it? 

E457TK self building house, constructing roof, joiner fixing roof trusses in position

We are thinking of building a house in the garden of our home. We would then aim to sell both properties but are unsure about tax. Is there a legitimate way of avoiding capital gains or other taxes on the sales?

When car hire goes wrong: 'Help! Hertz are hounding us for £120 of damage that we didn't do'

‘Help! Hertz are hounding us for £120 of car hire damage that we didn't do'

Solicitor Rachel Croft, 34, and her husband, Richard, 36, an accountant thought they were clued up when it came to hiring a car. But a few weeks after returning from holiday they received a demand for payment from Hertz, despite obtaining a document which said the car did not have any damage.

Europe's 'best development' is unveiled as a 52-storey tower block in Warsaw: But do you think it deserves the accolade?

The Polish tower block is still being built, meaning buyers won't be able to move in until the end of the year, but it has already won awards for its design.

The best Help to Buy London rate yet: Barclays unveils 40% equity loans starting at 1.55%

First-time buyers looking to purchase a new build in the capital will be able to access fixed rates starting at 1.55 per cent from the lender.

The blue-collar supercar scramble: The outrageous tactics some hopeful buyers are using to target the handful of Ford GTs coming to the UK

Ford GT sees outrageous tactics being used in attempts to secure one

250 people in the UK have registered a genuine interested in buying one, but with fewer than 28 expected to be available for the UK market the fight is well and truly for those wanting a Ford GT.

Buy-to-let landlords risk heavy fines: 300,000 fail to put tenant deposits in government-backed scheme

Around 300,000 landlords are estimated to be running the risk of a heavy fine for not placing tenant deposits into a government-backed scheme.

Half of MOT faults are avoidable: Owners told to carry out simple checks as it's revealed 38% of cars fail the test first time

Car owners are being urged to undertake simple maintenance checks themselves, like replacing light bulbs and windscreen wipers, to avoid MOT fails and save money.

SIMON LAMBERT: Is tax-free pension saving a principle to defend or a perk to hack into?

Is tax-free pension saving a principle to defend or perk to hack into?

If the widely expected cut to pension tax relief for higher rate taxpayers goes ahead, a near 100-year-old cornerstone of saving will be swept away instantly. If he wants to build our trust in the system, and to avoid the kind of pension-stealing accusations that Gordon Brown still suffers from, George Osborne would be wise to leave the principle intact.

Tesco calls time on 24-hour shopping at 76 large stores as customers turn away from nightowl grocery trips

Tesco calls time on 24-hour shopping at 76 stores

Tesco, which began operating 24-hour stores two decades ago, said 76 out of the 400 stores currently open around the clock would be affected by the change. They will now close at midnight and reopen again at 6am. Instead of shopping at night, it is believed customers are now heading online for their groceries.

Competition watchdog's probe into whether bank customers get a good deal delayed after initial findings attacked for going too soft on High Street giants

The Competition and Markets Authority came under fire when it dismissed calls for a major shake-up of the big banks despite accusing them of taking customers for granted for years.

Markets jump after shock move by Japanese authorities to slash interest rates into negative territory

A kimono-clad woman walks past an electronic share price board displayed in the window of a securities firm in Tokyo on September 15, 2010. 
Japanese shares strongly rebounded on September 15 after the government intervened in the forex markets to sell down the yen to help uplift the all-important export sector. The Nikkei index gained 2.34 percent or 217.25 points to 9,516.56.   


AFP PHOTO/Kazuhiro NOGI (Photo credit should read KAZUHIRO NOGI/AFP/Getty Images)

In an effort to boost the economy and the Tokyo stock market, the Bank of Japan will charge - rather than pay - a rate of 0.1 per cent on some deposits.

James Murdoch returns to Sky as chairman after four year absence as broadcaster hails record number of new UK customers

BSkyB Chairman James Murdoch, who is also head of News Corp in Europe and Asia, rehearses for his James MacTaggert Memorial lecture as part of the Media Guardian Edinburgh International TV Festival in Edinburgh, Scotland  August 28, 2009. REUTERS/David Moir (BRITAIN MEDIA SOCIETY BUSINESS)

The reappointment of James Murdoch may reignite speculation that his father's 21st Century Fox empire - which owns 39 per cent of Sky - might again look to take over the satellite broadcaster.

MARKET REPORT: As Storm Gertrude heads for Blighty and households crank up their thermostats, investors' thoughts turn to their heating bills

Smart Metering Systems warmed up 27p, or 7.05 per cent, to finish the day at 410p, one of the biggest risers on the Alternative Investment Market.

Top executives at Sainsbury's locked in talks to agree price with Argos-owner Home Retail Group

The supermarket giant has until 5pm on Tuesday to make a bid or walk away for the chain. Sainsbury's first made a bid in November but was rebuffed the following month.

ALEX BRUMMER: Return of James Murdoch as Sky chairman demonstrates again the determination of family to remain in control of what it owns

Sky needs to make sure that with James in the chair, inter-company transactions are at arms-length and in a way that does not interfere with the rights of minority investors.

iPhone killer, qu'est-ce que c'est? It's the smartphone you've never heard of - but at £118 the Xiaomi is taking a bite out of Apple

The iPhone killer: At £118 the Xiaomi is taking a big bite out of Apple

A Xiaomi smart phone looks and feels much the same as any other handset - but at £118 it is almost four times cheaper than an iPhone. For the most modern and hi-spec versions the XiaomiNote would cost £266. By comparison, the iPhone 6s Plus costs up to £789.

HALF of drivers tested for drugs during the festive period found to be under the influence, leading campaigners to call for a year-round crackdown

Of the 1,888 drivers suspected of being under the influence of drugs and screened on the spot, 931 tested positive - more convictions in a month than the whole of 2014.

A leg-up onto the property ladder with a 40% interest-free loan: Leeds BS and Nationwide launch first Help to Buy London rates

First-time buyers will get the opportunity to own a home in the capital with a 5 per cent deposit backed by a 40 per cent government equity loan.

The Investing Show: Where are the opportunities in the stock market slump?

Investing Show: Opportunities in the stock market slump

Investors have been hammered at the start of 2016 and the bears are out in force but are there opportunities out there for the brave? Justin Urquhart Stewart, of Seven Investment Management, and Tom Walker, manager of the Martin Currie Global Portfolio Trust, reveal their tips for riding the storm and where they see the chance to buy into good investments cheaper.

A lime and soda? That's £4.50 please: Pubs accused of cashing in on Dry January by charging huge amounts for soft drinks 

Soda and Lime Cocktail.

Many drinkers give up alcohol for the month but face high prices for soft beverages. Some British venues are charging as much for a pint of fizzy water with a dash of cordial as for lager.

Average UK home hits nearly £200k in January and house prices are forecast to keep rising due to shortage of new homes

PICKET IN PUTNEY.
THIS double-fronted Edwardian beauty in Putney ticks all the boxes for family space and style. White picket fences and neat box hedging sit in front of an elegant façade of red bricks and large shuttered windows. Three light and airy floors of more than 1,600sq ft contain four double bedrooms
(one en-suite), reception, kitchen and dining rooms and a fabulous skylit family room leading out to the garden. Wandsworth Park is a leafy stroll away.
Property: four-bedroom house Price: £750,000 chain-free
Agent: Douglas & Gordon Visit: homesandproperty.co.uk/
sales/1503734.

House prices increased by 0.3 per cent month-on-month in January and the pace of price growth is poised to pick up further in the coming months, according to Nationwide.

Too busy to take your earnings to the bank? Barclays launches digital cash 'Collect' service for time-starved small businesses

Too busy to go to the bank with your takings? Barclays Collect will come to your workplace and pick it up for you. The scheme is currently on trial but will be rolled out nationally if it goes well.

Chelsea and Barnsley Building Societies to vanish from the High Street as owner Yorkshire BS announces 22 branch closures

As part of an overhaul of its network, Yorkshire said it plans to close six Barnsley branches and seven Chelsea branches, while the rest will be rebranded as Yorkshire BS.

Switch energy this week or face a hike of £206: The 26 fixed-rate gas and electricity tariffs due to end THIS SUNDAY

26 gas and electricity tariffs are due to end THIS SUNDAY

Energy bills are set to go up by an average of £206.72 this weekend for those on one of 26 fixed energy tariffs which expire at the end of the week. The Co-operative Energy, Extra Energy, First:Utility, M&S; Energy, Npower, Sainsbury's Energy and Scottish Power all have fixed tariffs which will come to and end on Sunday. At this point customers will be automatically rolled onto the provider's standard tariff.

How the pension giants stabbed their own customers in the back: We expose the big firms failing to protect your cash

Pension giants stab customers in the back: Big firms fail to protect saving

The Government is plotting slash the savings incentives given to middle-income workers when they pay into a pension - and savings giants are astonishingly joining the charge. We have obtained the responses sent to the Treasury by most major pension companies.

Stop this raid Mr Osborne... or we'll NEVER vote Tory again: Voters' threat over cynical pensions tax grab

2016/01/24 Picture by Georgie Gillard
Pictured: Theresa Darnell 55 and her Husband Derek 58 from Berkshire
Both Theresa and Derek wrote letters in support of the Daily Mail pension campaign.

Derek Langton and his wife Theresa Darnell are among the many readers who have written in to support our campaign calling on the Chancellor to abandon plans to cut tax relief on pensions.

DAN HYDE: How the investing giants supposed to be protecting your pension caved in without so much as a whimper on tax relief

2016/01/18 Picture by Georgie Gillard
Pictured: Dan Hyde, Daily Mail reporter for Money Mail

If someone gave you a wad of cash and said, 'Please look after this, it's all I've got for 30 years of retirement', how would you react? With greater scruples than insurers have shown, I'd imagine.

Is this the ultimate modern-day Jaguar? British marque's special projects team goes ballistic to turn F-Type into a 200mph supercar rival

Is the ballistic Jaguar F-Type SVR the ultimate modern-day Jag?

The Jaguar F-Type SVR is a hardcore take on its flagship sports car, promising more performance and plummeting jawlines than before. Here's the details of the new motor, which can hit 200mph and do 0 to 60mph in just 3.7 seconds, leaked more than a month before it was due to be revealed at the Geneva Motor Show.

Spot-checks for cars on sale and financial penalties for cheats: New plans being put forward to prevent a repeat of VW's scandal

New measures include closer inspection of official test centres, spot checks for manufacturers and financial penalties for carmakers selling cars that don't comply with the emissions limits.

Could you profit from the march of the robots? Funds investing in technology tipped to revolutionise the world

CRJ13Y retro robots in a line

They are replacing shop assistants and waiters, performing surgery, milking cows, driving cars and caring for the elderly; so how do you invest in the robot boom?

I did not tell HMRC when I left the UK nine years ago and got married in the States: Now I'm back will I be slapped with a fine?

Should I have told HMRC when I left the UK and moved abroad? Will I get a huge fine? 

I left the UK nine years ago, aged 23, thinking I was going away for three months and ending up staying in the US. Now I'm back and am worried that I never told HMRC I was leaving. Should I have alerted them and since I haven't will I now be issued with a huge fine?

Just days left to file your tax return... or you can expect a £100 fine

Completed Tax Return being dutifully put in an envelope to post back to HMRC Revenue and & Customs

Online returns must be sent to HMRC by January 31. Anyone filing after this date faces a one-off penalty of £100. An extra £10 a day will be charged if forms still have not been sent in three months.

Computer crash causes seven-week wait for savers to withdraw cash from Isas 

Coins on scrabble board game.

AWGW7J

Money Mail understands that clients of St James's Place are waiting up to 34 working days instead of the usual five to make withdrawals.

ASK TONY: Vodafone billed me £700 for a phone I sent back after two days... then said Carphone Warehouse had taken it

ASK TONY: Vodafone billed me £700 for a phone I sent back after two days... then said

I took out a Vodafone contract via the Carphone Warehouse website but wasn't allowed to keep my number so I cancelled it two days later. Then £711.35 was taken from my bank account by Vodafone without warning or explanation. Now Vodafone has threatened to register my account as a bad debt with a credit reference agency and to instruct debt collectors.

Secret deal that lets greedy energy firms hide their obscene profits: Why NOW is the time to switch to a smaller supplier

B4TNDR Man wearing office business suit hands clutching piles of money (concept for bankers, fatcats, greed, Men in Suits). Image shot 2008. Exact date unknown.

Energy watchdog Ofgem was bullied into ditching data that showed the difference between what power firms were paying to supply energy to your home and what they were charging you on your bill.

My employer says setting up a pension is a pain so instead I should opt out and then he'll give me a pay rise - how much should he pay to make up for it

From April, my employer must set up a pension scheme just for me. He said setting it up will be quite a pain, but tells me I I could opt out and then he'll give me a pay rise to compensate.

Will stock market falls wipe out my pension pot - and can I do anything except keep my fingers crossed?

Will the market meltdown wipe out my pension pot?

I'm worried the market crash will harm my pension. How much will these big stock market losses I'm hearing about affect it, and is there anything I can do except watch and wait, and hope for the best?

Councils and utility firms could be fined £5K a day for unmanned roadworks under Government plans to ease traffic disruption

Getting caught up in a traffic jam caused by roadworks only to find the coned-off area has no fluorescent jackets in sight could soon come to an end under new proposals to ease congestion.

A trip down memory-loss lane: The drivers who can't recall part of their journey - and young are the biggest culprits with a quarter admitting to zoning out

The AA has warned of the dangers of going into autopilot at the wheel, as it reveals research showing one in seven admit to not remembering the end of their journey.

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

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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? 'Now is not yet the time to raise,' says Carney, as turmoil strikes global economy

When will UK interest rates rise?

Bank of England Governor says that collapsing oil prices, lingering low inflation, slowing UK growth and a 'weaker' global economy meant the MPC is in no hurry. Predictions for a first rate rise have now drifted out to late 2016 or even later into 2017.

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

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We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

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!

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

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.

What next for mortgage rates? Borrowers are in a sweet spot, so is it time to fix?

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Borrowers could be in something of a sweet spot, with lenders keen to lend, house prices rising and a first rate rise still considered a way off. We look at the best mortgage rates.

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

January 2016
Prize value Winning bond No. Area
£1,000,000 200WX818076 Leicester
£1,000,000 198JT390484 Leicester
£100,000 63VY064447 Leicestershire
£100,000 56ZR624661 West Scotland
£100,000 249FA076648 Staffordshire
£100,000 143HD175731 Hertfordshire
£100,000 102KE064086 Devon
£50,000 252DL082709 Leeds
£50,000 241NJ159059 Somerset
£50,000 239GE660218 Hampshire and Isle of Wight
£50,000 232GZ086470 Somerset
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Tourist rates

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Updated 31 Jan 2016.
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