Banks giving savers wrong advice or failing to inform them about new £1,000 tax-free savings allowance which starts in April

Banks giving savers wrong advice about new £1,000 tax-free savings allowance

Money Mail found that most major savings providers are yet to inform customers about the perk, which starts in April, and the information they do provide on their websites is wrong. Many are telling savers 20 per cent tax will continue to be deducted automatically from their interest. But this is not the case.

ASK TONY: Can I force an Amazon seller to reimburse the postage for return of faulty goods?

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I bought a computer table on Amazon Marketplace that I returned immediately as it was not fit for purpose. I was eventually refunded, but was not reimbursed for the return postage.

A tale of two (very different) pensions: George Osborne's is funded entirely by the taxpayer but Paul Rogers now faces a devastating tax raid

A tale of two pensions: Osborne's vs the farmer who faces a tax raid

In many ways, Paul Rogers and George Osborne have a lot in common. They are in their early 40s, have a young family - and neither is a stranger to hard work. But while Mr Osborne could benefit from a gold-played retirement, his potential raid on tax-free pension saving will hit Paul hard.

Lloyds Banking Group warns staff that 1,755 face the axe - and nearly half of cuts are to branch members at Halifax

Lloyds Banking Group has confirmed to This is Money that it has axed 1,755 staff today as part of a cost cutting exercise - 740 of these are Halifax branch workers.

The customer ISN'T always right: Elon Musk takes exception to Tesla buyer's letter of complaint and cancels his $130k car

Stewart Alsop, a venture capital investor in America, had originally grumbled about the matter in September and confirmed on Monday that Musk had banned him from owning the car.

Average water bills to rise by £2 a year to £389 despite report blasting regulator for allowing suppliers to pocket huge windfalls

NEW Last month, Parliament's Public Accounts Committee blasted water regulator Ofwat for 'consistently overestimating financing costs' when setting price limits for suppliers.

Warning over the rip-off holiday websites that advertise dream deals that don't exist and hike prices by 30% when you try to pay

Travel websites are snaring holidaymakers by advertising cheap 'deals' that don't exist and springing £50 fees on customers who pay by bank card.

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FTSE CLOSE: Footsie falls back as weak US services data offsets oil price recovery to $34 a barrel

FTSE CLOSE: Footsie falls back after weak US services data

UPDATED The FTSE 100 closed down 84.87 points at 5837.14 as worries about global growth dominated market sentiment, despite a modest rise in the oil price. The Dow Jones was down 15.6 points at 16,138.0 as a weaker than expected ISM services report took its toll, while Germany's DAX dropped 2 per cent and France's CAC 40 was off 1 per cent. Brent crude was trading at $34.43 while US WTI was at $31.63.

GlaxoSmithKline boss Andrew Witty denies group is ripe for a break-up despite pressure from prominent investors 

The company logo of GlaxoSmithKline is seen on the headquarters building in a London file photo from May 10, 2006. GlaxoSmithKline PLC, the world's second-largest pharmaceutical company, reported a 14 percent gain in second-quarter net profit Wednesday and raised its full-year forecast.  (AP Photo/Alastair Grant, File)

NEW Witty maintained that a sale or spin-off of the consumer business, known for brands such as Sensodyne toothpaste and Panadol painkillers, was not feasible until performance improved.

Foxtons shrugs off London property market slowdown and rewards shareholders with 'special dividend' after its sales rise

Estate agent Foxtons shrugged off a slowdown in the London property market as a push into the suburbs, new homes and competing for sellers saw its sales rise last year.

Hargreaves Lansdown rides out volatile stock markets as pension freedom sees investors plough 23% more into pots

hargreaves head office.JPG

Strong demand from DIY investors was driven in large part by changes to pensions and savings rules, giving investors more choice about where and how to save for retirement.

ALEX BRUMMER: Oil majors slash and burn as they pray for a swift rebalancing of the energy market

Daily Mail City Editor Alex Brummer.
byline

After a brief rally on hopes that the Opec oil cartel and Russia are about to cobble together a deal on cutting production, crude was back in retreat in latest trading.

Stronger than expected services sector data points to a slight upturn in UK growth, as think-tank says economy should pick up

The Markit/CIPS services purchasing managers index for January showed the reading rose slightly to 55.6, up from 55.5 in December and above expectations for slip back to 55.4.

As Tata is forced to rename its Zica due to links to Zika virus, are these the 10 most unfortunate car names ever?

As Tata renames its Zica, we reveal the 10 most unfortunate car names

A car names says a lot about the vehicle you're driving. So imagine the dilemma you face when the new model you're about to launch shares a name with a virus that's causing global concern.

Airlines and travel firms say only pregnant women can change holiday plans if they're worried about Zika virus

A female Aedes aegypti mosquito in the process of acquiring a blood meal from a human host. 
The The Centers for Disease Control and Prevention on Tuesday, January 19, 2016, announced new guidance for doctors whose pregnant patients may have traveled to regions with a tropical illness linked to birth defects. Officials say doctors should ask pregnant women about their travel and certain symptoms, and, if warranted, test them for an infection with the Zika  virus. The virus is spread through mosquito bites.  

FILE - This 2006 file photo provided by the Centers for Disease Control and Prevention shows 
(James Gathany/Centers for Disease Control and Prevention via AP, File)

Firms including British Airways, Thomas Cook and Thomson are refusing to commit to helping women who are not yet expecting, but are hoping to become pregnant soon.

Investing in the best of British: Six home-grown classic cars tipped for a handsome return in 2016

Classic car expert Paul Michaels, who makes a living out of investing in the right vehicles, gives us his picks - from the very top end of the market to a more affordable buy.

Help! Market turmoil is sapping my income drawdown pension plan - what should I do?

Help! Market turmoil is sapping my income drawdown pension plan

I retired last year and put about £80,000 in an income drawdown plan following the pension freedom reforms.The trouble is my portfolio is doing badly, and I'm really worried about the impact of all these market losses since the start of the year. What should I do - change the investments in my portfolio, reduce the income I take from it, think again about buying an annuity, or something else?

Shoppers still paying less for clothes, shoes and books than a year ago, but food prices are creeping up 

The BRC said the cost of non-food items fell year-on-year by 3 per cent last month, the cost of food increased by 0.1 per cent in January. This is the first time food prices have gone up since last August.

Now you need a separate bank account for your online shopping: That's police advice as 1,000 people a day are hit by fraud 

Laptop Lens Zoom

Criminals hacking online retailers to steal customers' personal information has become the biggest fraud risk in Britain, say police. However, almost nine in ten fail to report the attack.

Where in London could a buy-to-let investment pay off most? Get a street-level view of average rental returns from our interactive map 

Where in London could a buy-to-let investment pay off most? Get a street-level view of

A few years ago it was possible to achieve relatively high returns on many rental properties. But the landscape for landlords has changed significantly following the steep rise in house prices. Rental yields of less than 4 per cent are commonplace and investors must now work hard to find stronger returns. This interactive map helps London landlords get a quick overview of potential rates of income.

Landlords forcing tenants to pay unfair charges for accidental damage insurance 

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Some are now refusing to rent properties to tenants unless they have insurance that will pay out if they accidentally damage the landlord's furniture or fittings.

DAN HYDE: Tax bosses have totally lost the plot - cosying up to corporate giants but threatening ordinary people

DAN HYDE: Tax bosses cosy up to corporate giants but threaten ordinary people

How can Google, Lloyds, Shell and others be allowed to rake in billions from British customers without contributing to the schools, hospitals, roads and services their staff use here? Yet, as a blind eye is turned to these outlaws, the tax authorities are busily attacking the middle-class way of life.

Warning over spreadbetting firms failing to inform customers their funds could be wiped out

Atletico Madrid's Antoine Griezmann celebrates after scoring his side's first goal against Celta during the Spanish Copa del Rey second leg soccer match between Atletico Madrid and Celta Vigo at the Vicente Calderon stadium in Madrid, Wednesday, January 27, 2016. 


(AP Photo/Francisco Seco)

The Financial Conduct Authority has written to the bosses of companies which sell complex investments called 'contracts for difference'.

Can Osborne make Facebook cough up? Chancellor under pressure over tax-dodging social media giant following Google disaster

This picture taken with a fisheye lens shows a man walks past a big logo created from pictures of Facebook users worldwide in the company's Data Center, its first outside the US in Lulea, in Swedish Lapland, Sweden. 
The company began construction on the facility in October 2011 and went live on June 12, 2013 and are 100% run on hydro power. 

AFP PHOTO/JONATHAN NACKSTRAND        (Photo credit should read JONATHAN NACKSTRAND/AFP/Getty Images)

Facebook sparked anger after it emerged it paid only £4,327 in UK corporation tax in 2014 despite raking in billions of pounds around the world.

Wilko set to axe 'premium' payments for staff working Sundays and Bank Holidays as bosses blame new Living Wage for changes

Staff at discount homeware store Wilko could see 'premiums' for working Sundays and Bank Holidays vanish from April 2016.

Former Cambridge graduates set for multi-million pound windfall as tech giant Microsoft snaps up SwiftKey in £174m deal

Microsoft snaps up SwiftKey in £174m deal

Eight years ago, two former Cambridge graduates shared a belief that there had to be a more efficient way of typing on smartphones. They quit their day jobs and developed SwiftKey, a predictive keyboard powered by artificial intelligence. Now, Southwark-based SwiftKey founders Jon Reynolds and Dr Ben Medlock are set to become multi-millionaires as technology giant Microsoft has snapped up their company in a £174million deal.

Five of the best bank accounts for businesses with interest, overdrafts and perks

A stock photo of a piggy bank with plant growing inside.

 Image by © Roy Botterell/Corbis

Which banks are offering the lowest fees, in-credit interest and best free perks? This is Money's five favourite business banks for start-ups

Struggling UK economy means Chancellor 'won't be able to fulfill promise to balance the books by 2019'

Britain's Chancellor of the Exchequer, George Osborne, gets out of a car as he arrives in Downing Street, London, Wednesday, January 27, 2016. 

(AP Photo/Alastair Grant)

George Osborne has promised to run a surplus of £10.1billion in 2019-20 - the first for nearly two decades. But a report published today says he will miss his target.

LEE BOYCE: Victory as Royal Mint accepts commemorative coins back from buyers worried they were misled over legal tender (but boss shirks our interview request)

LEE BOYCE: Victory as Royal Mint accepts commemorative coins back from concerned buyers

Readers have been left outraged after learning commemorative coins can't be cashed in at face value despite being labelled 'legal tender'. Now, it appears the Royal Mint will accept returns outside of its usual 14-day window. However, chief executive Adam Lawrence shirked our interview request - despite earning £362,000 in 2014/15.

I have £20k worth of credit card debts and want to put them all in one place and pay them off - what's the best way to do this?

I have £20k worth of credit card debts and want to put them all in one place and pay them

I currently have £20k worth of credit card debt back dating about four years now and spread across four cards. My credit score isn't the best and therefore I can't do any balance transfer on the credit cards due to this. I want to get all my debts in one place and pay the credit cards off ASAP otherwise it is a never-ending circle.

Easy-access accounts vanish: Top deals disappearing fast as banks slash rates 

BH8D84 Piggy bank under rug

Top easy-access account rates are disappearing fast. Paragon Bank's Limited Edition Easy Access 2 account, which paid 1.17 per cent after tax (1.46 per cent before), is now closed to new savers.

Up to one in six so-called actively-managed funds could be 'closet trackers' mis-sold to investors

A7AE12 hand wadding up a sheet of paper containing stocks and bonds information

The European Securities and Markets Authority studied 2,600 funds sold as so-called active funds, but some are falling short.

'Gary and I had three kids but when he died we got no support because we never married': How cohabiting couples lose thousands in bereavement help

How cohabiting couples lose out on bereavement benefits when one dies

Like thousands of widows every year, Claire missed out on thousands of pounds in support because she and her partner, Gary, were not married when he died. A study from Royal London suggests widows and widowers miss out on support worth £82million a year in total, because they were cohabiting but not married.

MPs debate help for women left poorer by state pension age rises: Petition highlighting 'shattered' retirement plans hits 140,000 signatures

The plight of women who face financial hardship while they wait longer to draw the state pension will be debated by MPs while campaigners hold a protest at Parliament.

Flood victims' agonising wait to see whether their home insurance costs fall under new Government scheme

Rescue teams continue to to evacuate people from their homes after Storm Desmond caused flooding on December 7, 2015 in Carlisle, England. Storm Desmond has brought severe disruption to areas of northern England with dozens of flood warnings remaining in place.England.  (Photo by Jeff J Mitchell/Getty Images)

Homeowners often face excesses of tens of thousands of pounds in order to afford cover.The Flood Re insurance scheme will start in April.

I want to buy a holiday home but am worried about being ripped off transferring money abroad, how can I get the best deal?

How can I get the best rate to transfer money to buy a holiday home?

I'm thinking of buying a holiday home for my family to enjoy. I haven't quite decided which of our three favourite destinations to go for yet - the south of France, Menorca or Florida. Wherever I end up buying, I'm nervous about getting ripped off when sending money abroad. How can I find the best deal?

Put through its paces early: A sneak test of Jaguar's highly-anticipated F-Pace SUV before it hits showrooms in April

Jaguar's highly anticipated F-Pace SUV tested before it hits UK in April

Jaguar's much-anticipated F-Pace is finally here, after what seemed like an eternity of rumours, official hints and 'unofficial' spyshots. And we've had our first taste, two months before the UK launch.

The car giant that conquered Britain: How Nissan combined Eastern efficiency with western workmanship 

Dated: 28/01/2016
Nissan Qashqai's being manufactured at Nissan, Sunderland.
See story by Rupert Steiner
Fao Daily Mail City Page.

As Nissan's Sunderland plant celebrates its 30th anniversary its Japanese owner announced plans last week to spend £26.5m expanding the battery-making facility, to mark the occasion.

Government injects £20m into driverless car projects as crusade to start autonomous car tests on UK's public roads kicks off

The investment will support a range of technologies but will also help spearhead simulation trials for autonomous vehicles, paving the way for on-road testing in the near future.

I'll back boardroom revolts over fat cat pay: World's most powerful fund manager pens a warning to FTSE bosses 

World's most powerful fund manager slams Britain's fat cat bosses claiming he'll back

BlackRock, which invests £3.2trillion worth of savings and pensions, has sent a warning letter to FTSE 100 chief executives, demanding openness and transparency with shareholders. And in an aggressive move it reminded firms that it had voted with activist investors more than a third of the time over the past year.

Clydesdale Bank float completed at 180p a share after 24 hour delay when leading credit agency spoilt the party   

Celtic players lift the Clydesdale Bank Premier League trophy following the Clydesdale Bank Premier League match between Celtic and Hearts, at Celtic Park on May 13, 2012 in Glasgow, Scotland. (Photo by Jeff J Mitchell/Getty Images)

NAB confirmed that Clydesdale shares were sold to institutional investors at 180p a share, the lower end of a range of estimates, which put the Australian bank's shares under pressure today.

MARKET REPORT: Prudential shares plunge amid fears China is set to crack down on citizens buying insurance from foreign firms

File photo dated 01-03-2010 of a sign for Insurer Prudential which is left with a £450 million bill today after its £24 billion Asian adventure came to a humiliating end. PRESS ASSOCIATION Photo. Issue date: Wednesday June 02, 2010.  The Pru's bid to buy AIA - the Asian arm of bailed-out US insurance giant AIG - finally collapsed after its shareholders baulked at the hefty price and chief executive Tidjane Thiam failed to renegotiate the deal. See PA story CITY Prudential. Photo credit should read: Tim

Shares in the UK behemoth - which has expanded rapidly in Asia and has a significant business in Hong Kong and mainland China - plunged 8.22 per cent to 1217.5p.

BP posts worst annual loss in 20 years as it slashes another 3,000 jobs in battle against oil price slump

BP's logo at a BP petrol station in London, Britain, 28 October 2008. BP Plc, Europe's second-biggest oil company, may seek acquisition targets and intends to boost future dividends after posting a 8 billion euro or 83 percent increase in third-quarter profit on higher crude and natural-gas prices, the company announced 28 October.  EPA/ANDY RAIN epa01533846

BP posted an annual loss of $6.5billion for 2015 - its worst in 20 years - as the British oil and gas giant struggles to restructure its business in the face of plummeting oil prices

Mike Ashley fails to snap up football kit retailer Kitbag as owners sell to US firm for £11.55m

Newcastle United's French striker Loic Remy (R) reacts to a late missed chance during the English Premier League football match between Newcastle United and Hull City at St James' Park in Newcastle-Upon-Tyne, northeast England on September 21, 2013. Hull won 3-2.  AFP PHOTO / IAN MACNICOL
RESTRICTED TO EDITORIAL USE. No use with unauthorized audio, video, data, fixture lists, club/league logos or live services. Online in-match use limited to 45 images, no video emulation. No use in betting, games or single club/league/player publicationsIan MacNicol/AFP/Getty Images

Ashley, who owns Newcastle United Football Club, lost out as Kitbag was bought by a subsidiary of US licensed sports merchandise firm Fanatics for £11.55million in cash.

Sainsbury's makes £1.3bn bid for Argos-owner Home Retail Group in quest to create 'one-stop shop' for shoppers - but deal threatens hundreds of Argos stores 

If the deal goes ahead, around 200 Argos stores on Britain's high streets could  close, and Argos outlets would be incorporated into existing Sainsbury's stores.

Ocado posts only its second ever profit after customer base hits half a million in 2015

Ocado delivery van, London, England, Britain, UK.

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The upmarket delivery firm posted pre-tax profits up 65 per cent to £11.9million, while customer numbers hit 509,000. Famously Ocado did not turn a profit until 2014.

Cherie Blair steps into landlord mortgage tax relief battle as her legal firm claims Chancellor's move breaches human rights

Cherie Blair steps into landlord mortgage tax relief battle

A legal campaign to fight 'unfair' mortgage tax relief changes for buy-to-let landlords has stepped up a gear today as Cherie Blair MBE QC has thrown her weight behind the battle. The changes, likely to hit Britain's army of small-scale landlords hardest, were announced by Chancellor George Osborne in the July Budget.

Considering using Help to Buy London to get your first home in the capital? You might need to earn £73k a year

Help to Buy London It is available for properties costing up to £600,000, but Zoopla claims that the average London home costs almost £40,000 more than this.

Up in smoke: Dozens of Aga buyers left in limbo as independent retailer selling the £10k-plus posh cookers goes bust

Dozens of people have been left out of pocket after purchasing upmarket Aga cookers in the run-up to Christmas, only to see the firm go bust.

Whatsapp users beware: Scam messages that appear to come from friends contain dodgy links to hijack your phone

Scam Whatsapp messages from friends contain dodgy links to hijack phones

Fraudsters are targeting popular messaging application Whatsapp by sending legitimate looking links to users as part of an existing conversation loop. One This is Money reader almost fell for the scam after a message came through on a thread from her sister directing her to click on a link to obtain a gift voucher at clothes shop Zara.

Are you set for a council tax rise? Multi-million pound budget shortfalls mean many will see bills 4% higher from April

Residents are being warned they face rising council tax bills and more cuts to services as local authorities are pushed 'closer to the financial edge' by the Government's spending squeeze.

Morrison's cuts prices of over 1,000 items as it sets sights on a knock-out blow in supermarket price war 

Prices for staples like fruit and vegetables have been cut, with items like potatoes, plums, peppers and broccoli all being reduced.

How to invest for the falling oil price and rising power of the consumer: MAIKE CURRIE taps into a major theme for 2016

How to invest for the falling oil price and the rising power of the consumer

The fall in oil price is a double-edged sword: while it's taking its toll on the world's oil producing nations, for many consumers it's welcome news. Many fund managers expect 2016 to be characterised by a strengthening consumer enjoying a boost in spending power, maike Currie has some ideas to play that.

STEPHANIE FLANDERS: Do markets know something we don't? Investors must stop panicking over every blip

The big question being asked is whether the market moves are signalling bad news coming down the track for the real economy, says Stephanie Flanders.

Buy-to-let landlords must check the immigration status of new tenants from today or face fines of up to £3,000

Landlords must check the immigration status of new tenants from today or face the threat of heavy fines under controversial new rules set out by the Government.

The best Help to Buy London mortgage rates to boost your 5% deposit and climb aboard the capital's property ladder

Best Help to Buy London mortgage rates to boost your 5% deposit

The latest housing market initiative provides a five-year interest-free 40 per cent government equity loan that, added to 5 per cent from the borrower, gives a 45 per cent deposit to be put towards a new-build property in London property. We reveal the best of the mortgages and how the scheme works.

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

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

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. Five days later the funds were cleared in my account, but two weeks after that I received a letter from Barclays saying the cheque was counterfeit. The bank has added charges and taken into account exchange rate differences and has deducted £1,770 from my account.

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

ZOE POCOCK HAS STARTED A BUSINESS UP-CYCLING OLD FURNITURE AND USED HOUSEHOLD ORNAMENTS, RECONDITIONING THEM WITH PAINTED ART OR SUTTLE PRINTS, GIVING THEM A NEW LEASE OF LIFE FOR THE MODERN HOUSEHOLD.©RUSSELL SACH - 0771 882 6138

A hobby can be more than just an enjoyable pursuit - it can also make you money. We look at ways to turn pastimes into a profit.

How to invest in electric guitars: From Elvis to Eric Clapton and Jimi Hendrix, which legends' axes are worth the most?

How to invest in electric guitars: From Elvis to Clapton what to look out for

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.

Investors are piling cash into India funds and trusts - but should you be bold or beware this high-risk market?

There are fears investors might be going overboard in the hope of a swift transformation in India's fortunes, and more big investing gains.

Interest rates could stay on hold for rest of year as economy slows, Bank of England to signal this week

Governor Mark Carney is expected to use the central bank's quarterly inflation report on Thursday to warn that the outlook for the UK has deteriorated in the past three months.

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

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

We document 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 This is Money journalist's phone, and see if you can guess - and then vote - whether it is a genuine call from HSBC or a scam.

'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 - and another 59 are set for the chop this year.

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.

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

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?

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.

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

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 leaked details.

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.

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? '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

"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

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?

A stock photo of a miniature toy house .

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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.

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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

February 2016
Prize value Winning bond No. Area
£1,000,000 98DC258404 Nottingham
£1,000,000 241QQ814726 Wales
£100,000 211GQ302543 Kent
£100,000 170MT779070 Hampshire and Isle of Wight
£100,000 162DS982532 Wales
£100,000 128MT882542 Southampton
£100,000 127AG354956 Ealing
£50,000 54XY208864 Manchester
£50,000 38QX658778 Greater Manchester
£50,000 261SV569145 North East Scotland
£50,000 251VY927696 Inner London
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MOST READ MONEY

Tourist rates

Currency Rate Buy now
Updated 03 Feb 2016.
Euro 1.2935 Buy Now
US Dollar 1.4105 Buy Now
Australian Dollar 1.988 Buy Now
Canadian Dollar 1.977 Buy Now
Chinese Yuan 9.1054 Buy Now
Croatian Kuna 9.7669 Buy Now
Czech Koruna 34.57 Buy Now
Danish Krone 9.5424 Buy Now
Egyptian Pound 9.82 Buy Now
Hong Kong Dollar 10.919 Buy Now
Hungarian Forint 395.53 Buy Now
Israeli New Shekel 5.46 Buy Now
Japanese Yen 168.92 Buy Now
Malaysian Ringgit 6.2624 Buy Now
New Turkish Lire 4.0762 Buy Now
New Zealand Dollar 2.1339 Buy Now
Norwegian Krone 12.169 Buy Now
Polish Zloty 5.6014 Buy Now
Singapore Dollar 2.0053 Buy Now
South African Rand 22.73 Buy Now
Sterling 1.0 Buy Now
Swedish Krona 11.942 Buy Now
Swiss Franc 1.43 Buy Now
Thai Baht 49.671 Buy Now
UAE Dirham 5.16 Buy Now

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