My new company has enrolled me in a pension scheme, how much will it really cost me and is it worth paying in such a small sum?

How much will my work pension cost and is it worth paying in a small amount?

I am 24 and have started a new job paying £23,000 and my company wants to enrol me in the pension scheme. It offers to match what I put in up to 5 per cent of my salary but I'm worried that even though that's a small amount I can't afford this. How much will it cost me and is it worth doing for such a small amount?

Tesco will accept defunct Sainsbury's Brand Match coupons until June as it battles to nab customers from its nearest rival

Sainsbury's is binning the scheme from April 27, but shoppers will be able to use the Brand Match vouchers in Tesco stores until June.

Does Jaguar's new SUV with a lengthy waiting list deserve the excitement? RAY MASSEY tests the F-PACE

Does the Jaguar F-PACE deserve the excitement? We test the luxury SUV

Jaguar's F-PACE has a lot of hype to live up to, but it really does confound expectations. The F-PACE has the attitude and near performance of a sports car combined with the practicality of a crossover - and already has a lengthy waiting list. Is that justified, Ray Massey puts it to the test.

Tesco plans to take axe to loss-making garden centre, restaurant, bakery and coffee shop businesses in mass shake-up 

NEW Firms facing the axe include garden centre chain Dobbies, coffee shop chain Harris & Hoole, Euphorium bakeries and family restaurant chain Giraffe, a media report suggested today.

Amazon delivery tie-up with Barclays fuels hopes for High Street bank branch network

The bank has been trialling delivery lockers across sites in London. If successful the plan could be extended across the network. The scheme is part of an effort to find new revenues for its network.

Housewives and widows hit by hidden pension cuts: Thousands lose up to £6,000 in national insurance small print  

The £155 a week state pension launched this month and was supposed to be fairer to newly retiring women and the self-employed. But some feel they've been caught out.

SMALL CAP IDEAS: From Holland Park to Edinburgh, Safestay's upmarket hostels business looks to have room to expand

NEW Results later this month will include contributions from Safestay Holland Park, a grand grade-one listed building with a posh London address that re-opened after refurbishment in August.

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FTSE LIVE: Footsie flat as miners rally after China inflation data raises stimulus hope, but weaker oil price weighs 

FTSE LIVE: Footsie holds modest gains as oil prices tick higher

By mid morning, the FTSE 100 index was up 1.5 points, or 0.1 per cent at 6,205.9, rallying from an opening low of 6,165.46, having ended 67.52 points higher on Friday - its best close since the end of December. Strength in oil prices had boosted the UK blue chip index at the end of last week, amid hopes for a possible production freeze deal at next week's Opec meeting, but Brent crude reversed today, losing 0.9 per cent at $41.56 a barrel.

Growth in the UK economy softens as services sector slowdown keeps an interest rate rise a distant prospect

Male hairdresser cutting young woman's hair with razor.

UK growth continued to soften in the first quarter as the dominant services sector showed signs of slowing down - keeping the prospect of an interest rate rise distant.

Merger between O2 and Three poses 'significant impediment' to competition, UK watchdog warns European Commission 

The boss of the Competition and Markets Authority said the merger would lead to 'increased prices and/or a reduction in the quality offered to UK consumers'.

UK food producers are 'major casualties' in supermarket price war as number of firms going bust triples in five years

With supermarkets squeezing suppliers' profit margins while battling to offer shoppers low prices, food producers are losing out, Moore Stephens said.

Boom in designer specs: High-end glasses market hotting up as world becomes increasingly short-sighted

11A_CITY DESIGNER GLASSES.jpg

The eyewear market is worth about £64bn and has traditionally been dominated by Italian giant Luxottica, the owner of Ray-Ban and Oakley.

Italy facing a £4bn bailout after country's banks lose nearly half stock market value since start of the year

(L-R) Italian Finance Minister Pier Carlo Padoan, Dutch Finance Minister , President of Eurogroup Jeroen Dijsselbloem,  International Monetary Fund managing director Christine Lagarde, Irish Finance Minister Michael Noonan   French finance minister Michel Sapin at the start of a special Eurogroup Finance ministers meeting on Greek crisis  at EU council headquarters in Brussels, Belgium on 25 June 2015. Eurozone finance ministers were provided with two papers of options for Greece, produced after hours of top-level negotiations that failed to achieve a breakthrough in the country's bailout crisis.  EPA/OLIVIER HOSLET

Finance minister Pier Carlo Padoan has called a meeting in Rome today so the fine details of a bailout plan can be agreed. Concerns for the sector focus on £290.6billion of bad loans.

The great loyalty cards backlash: As stores cut value of rewards, savvy shoppers reveal their secret tricks to fool companies into thinking they've gone elsewhere

Rewards card tricks that shoppers use to increase returns on shop's perks

When it comes to loyalty cards, shoppers are increasingly finding it is disloyalty that pays. Many have discovered a series of ingenious tricks to fool retailers into thinking they have gone elsewhere. Anna Malek, 29, (top left) says she saves up to £500 a year by using two Sainsbury's Nectar cards; one in her name and the other in her husband's. And Amy Pay, 24, from Cardiff, (right) revealed she uses her myWaitrose loyalty card to 'play the system' by taking advantage of the supermarket's offer of a free coffee with any purchase.

TONY HETHERINGTON: Tesco's blunder landed me with court judgment over council tax bill in Merthyr Tydfil - but I've never lived there

Customers enter a Tesco Plc store in London...Tesco Plc, the U.K.'s largest retailer, reported the first profit drop in almost two decades after increasing investment to halt declining supermarket sales.....Wednesday, Oct. 3, 2012. .. Photographer: Simon Dawson/Bloomberg

I came home from work at Tesco in December to find a letter from CCMCC saying that Merthyr Tydfil Borough Council had applied to my local county court for an order attached to my earnings.

SIMON WATKINS: Could online revolutionaries help save our High Street banks?

Barclays' trial to allow Amazon to use its outlets as click and collect locations is a sign of the ever encroaching online empire but may also provide a new revenue stream for the branches.

What a catch! The ball from a top cricket match can fetch thousands - but Sir Don Bradman's cap scores even higher in the memorabilia test at £175,000

Sir Don Bradman’s 'Invincibles' cap fetches £175k at auction

The first ball of the County Championships will be bowled today - and cricket enthusiasts can share their passion for the game by investing in related memorabilia. Tim Knight (pictured) is the owner of sports auctioneer Knights, which will be selling an Australian 'baggy green' cricket cap worn by Victor York Richardson with an estimate of £15,000 next month.

BAILLIE GIFFORD GLOBAL DISCOVERY: EU vote? US election? No, I'm focusing on real winners... 

Douglas Brodie Photo Shoot June 2015..handout

Douglas Brodie prefers to focus on what he does best - hunting down the business success stories of the next decade. Firms which he reckons will transform the industries they are in.

INVESTMENT EXTRA: Pressure on funds to be more transparent after Neil Woodford vows to pay for research from own pocket

Woodford, manager of the £8bn Woodford Equity Income fund, has told savers he will no longer pass on the cost of investment research to them.

Vodafone's communications breakdown as complaints soar: Don't call us, you'll have to go to a branch, says giant - after FOUR HOURS chat

Vodafone's communications breakdown - complaints soar as errors snowball

The total number of complaints about communication providers made to the Ombudsman in the first three months of this year is 53 per cent higher than in the same period last year. The Ombudsman said it could not disclose how many relate specifically to Vodafone. But the biggest issue readers say is driving them crazy is not just the fact that problems have occurred - but Vodafone's inability to sort them out.

'It's OUTRAGEOUS! Why are you giving women our jobs?': That's what some men say to the Virgin Money boss chosen by Government to shake up financial world...

Virgin Money chief Jayne-Anne Gadhia on mission to make bosses meet equality targets

Jayne-Anne Gadhia has never forgotten some startling advice she was given by a male boss early in her career. Now the chief executive of Virgin Money and one of the highest profile women in the banking world, she bristles as she recalls his comments. 'I remember him calling me one day and saying: "I think you could do quite well here Jayne-Anne, but you're too emotional and you don't have the skills needed to be a good sales person". 'I asked what were the skills needed to be a good sales person? And he said: "A thick skin and bull***t".

Guide for lazy switchers: How to make someone else do the work while you save cash by moving to a better energy deal or investments

Ben Bateson and girlfriend Dani Powell of nW London. Benjamin started saving with Nutmeg about three years ago because he wanted to invest his money for better returns but didnÌt want the hassle of having to closely monitor his portfolio all the time...----------------------------------------..©George Jaworskyj 2015..www.urbanimages.co.uk

Benjamin Bateson, pictured with partner Danielle Powell, has his stock market investments constantly 'rebalanced' by experts.

Vodafone customer paid £1,000 to cancel her mobile contract - but the firm STILL wouldn't let her go

Laura Harris of Barnet who is challenging a data usage bill from Vodaphone.\\n----------------------------------------\\n©George Jaworskyj 2015\\nwww.urbanimages.co.uk

Last year Laura Harris, a freelance market researcher from North London, told of her shock £2,000 bill triggered by a big spike in data usage on her mobile - 16 times the usual.

Failing fraud line in £35m revamp: Victims of conmen will be able to track police progress online

Users of the Action Fraud website will be able to view the latest scams around the UK through crime-mapping. Also, big firms will be able to report up to 1,000 cyber crimes at once to the system.

Could Britain's booming car factories help save our suffering steel industry from a complete crisis?

A0P455 Team member taking iron samples using a lance on Blast Furnace No 5 at Corus Steelworks Port Talbot South Wales UK EU

Changes to Government policies and big investment in the technology required to make the quality of steel needed for cars could help British steel-makers ride the automotive boom.

Free online bill management service tells me when I should change insurer and helps me choose one

Free online bill management service tells me when I should change insurer

Kaan Azmi, pictured with his familty, is happy to spend time finding better financial deals - but only since he discovered a tool that reminds him to do so. BeeMyMinder - which claims to take the 'sting' out of financial decision-making - encrypts data, meaning it is kept private. It cannot 'see' the bills you upload. It is listed on the Data Protection Register, as required by law, and does not store your bank account details. It makes money via commission, when customers take products from companies it partners with.

Fears for UK economy as crisis engulfing British industry puts brake on growth at start of 2016

Official figures showed production in February was 0.5 per cent lower than 12 months earlier - its biggest fall since August 2013.

As number of new cars bought with cash borrowed at dealerships surges above 1m, figures fuel fears that families are taking on too much debt

Financing agreements - where consumers borrow money as they buy a vehicle and pay it back in instalments - account for 81.9 per cent of the private new car market.

MIDAS SHARE TIPS: How friends in high places could help crane hire group Lavendon rise above the rest 

MIDAS SHARE TIPS: Crane hire group Lavendon rises above the rest 

Specialising in one, rather technical area of the equipment hire market has advantages. It means Lavendon can develop relationships with top-tier construction firms, such as Balfour Beatty, Skanska and Laing O'Rourke, providing not just equipment but advice on how to use it most effectively. The group also prides itself on safety innovations, such as systems that prevent workers being crushed if they become disoriented at height and press the wrong buttons - a mistake that has cost several lives in the past.

MIDAS SHARE TIPS UPDATE: Life is sweet as gaming tip Keywords Studios soars 50%

CandyCrush (Read-Only).jpg

Parents and partners may despair at how much time family members spend gaming, but Keywords Studios is thriving on the back of this £60billion industry.

MIDAS BOND TIP: Second retail bond from lawsuit funding specialist Burford offers 6.1% return

Beech tree producing pound coins, (digital composite)
rights managed

Burford Capital is an unusual business. It lends money to companies so they can fund lawsuits.

SUNDAY NEWSPAPER SHARE TIPS: Lavendon Group and Burberry

This is Money rounds up the Sunday newspaper share tips. Midas looks at crane specialist Lavendon and the Sunday Times assesses the prospects of Burberry.

TRUST WATCH - FIDELITY SPECIAL VALUES: Big rewards for savers who risk going against the trend

Each week the Daily Mail City desk takes a look at an investment trust that small investors might consider to diversify their portfolio.

Lettings live on despite the war on buy-to-let: The tax-efficient ways to profit from your holiday home

Lettings live on despite the war on buy-to-let: The tax-efficient ways to profit from your

There is one small corner of the buy-to-let market where the Chancellor has been more lenient: holiday lets. If you buy a property and let it out for holiday use, you will still be able to set your full mortgage interest repayments against tax. Moreover, you can continue to claim full capital allowances - something that ordinary buy-to-let owners are not able to do.

Lodging interest: New generation of holiday parks with hot tubs and treehouses attract tourists and buy-to-let investors

A Forest Holidays treehouse lodge at Deerpark, Cornwall,

Holiday lodges are something of a new phenomenon, but seem to be catching on fast. For many people they are a viable option as a second home investment property.

'I won't take it on if it's not profitable from day one': Liberty House steel tycoon warns on rescue at Port Talbot

Steel tycoon Sanjeev Gupta warns Port Talbot rescue deal must make a profit

Sanjeev Gupta, boss of international commodities group Liberty House, told The Mail on Sunday: 'I am not going to do anything that is not profitable almost immediately. If that is not the case, then I am not in.' The profit target sets a high bar for any rescue given that the business is losing Tata more than £1million a day and suggests a deal by Gupta is far from certain.

Thames Water for sale: 'Vampire Kangaroo' investor who loaded utility firm with £11.4bn of loans to dodge tax seeks to sell stake

A burst water at the Herne Hill in South London, England. 
It causes extensive flooding and damage to property. Herne Hill flood will cost Thames Water and its insurers around £4 million, it emerged. Dozens of businesses and homes were swamped when a three foot wide water main burst on Half Moon Lane early on Wednesday morning and some do not expect to be able to reopen for months.


Picture by GLENN COPUS ©

Australian investor Macquarie - nicknamed the Vampire Kangaroo for its ruthless focus on profits - now owns about 26 per cent of the utility firm and is believed to be seeking more than £3bn.

Co-op in talks to split £9bn pension plan between bank and parent group, marking a further break between the two parties

A general view of the Crewe branch of the Co-operative Bank in Crewe, England on November 4, 2013. 
The Co-operative Bank has announced plans to cut its network of branches by at least 15% by the end of 2014 as part of the company's rescue plan.  

FILE: Co-operative Bank Confirms Losses Of £1.3bn for 2013 CREWE, UNITED KINGDOM - NOVEMBER 04:  (Photo by Christopher Furlong/Getty Images)

Under the current terms of the scheme - which has 90,000 members comprising current and former staff - both businesses are liable for each other's pensions.

Tesco set to unveil surprise sales lift in big turnaround profit, with bosses confident of building momentum  

Tesco set to unveil surprise sales lift in big turnaround profit 

Respected Tesco analyst Dave McCarthy at HSBC believes Tesco might say comparable store sales, the City's preferred measure of healthy demand, increased by more than 1 per cent in the past three months. The news, due on Wednesday, that Dave Lewis has a firm grip on the company's turnaround is likely to send a chill through rivals' boardrooms. 'Tesco's sales momentum is set to continue building. Tesco is on a virtuous circle and is pulling many suppliers along with it to mutual benefit,' said McCarthy in a research report.

Inflation accelerated to 0.5% in March - but an interest rate rise is still a year away, say economists

Stack of British pound coins on list of share prices.

Official figures are this week expected to show the CPI, the core inflation measure targeted by the Bank of England, rose to 0.5 per cent in March, up from 0.3 per cent in the previous two months.

TRADERS TIPS: City insiders say buy Marks & Spencer after trading update; sell credit checking firm Experian on Brazil exposure

Ian Forrest, an analyst at The Share Centre, recommends M&S; 'due to the growing food business, the significant potential to
increase profitability in clothing and homewares'.

DAILY BRIEFING: Bookmakers celebrating 'the result of our dreams' as outsider wins Grand National

LIVERPOOL, ENGLAND - APRIL 09: David Mullins riding Rule The World celebrates winning the Crabbie's Grand National steeplechase at Aintree Racecourse on April 9, 2016 in Liverpool, England.  (Photo by Michael Steele/Getty Images)

The run-up to the race had seen heavy betting on favourite Many Clouds so it was to the delight of most bookies when 33-1 shot Rule The World sped to victory.

Fashion website Asos expected to announce surge in UK sales by almost 25%

A model presents a creation by British online womenswear fashion ASOS.\n\n Final Results 2015 - .jpg

City experts expect it to say on Tuesday that UK sales, just over 40 per cent of its total, rose by almost 25 per cent in the first half - faster than the 20 per cent estimated for the whole business.

'Property shake-up will cost me my living - and my home': Thriving London newsagent fights rules allowing business premises to be converted to homes

Sunny News battles rules allowing landlords to convert premises to homes

Sunny Patel's shop, Sunny News, in Southfields, South-West London, employs three part-time staff, plus paper boys delivering 400 papers a day. It has the community's backing. The landlords served a notice in June last year under the 1954 Landlord and Tenant Act declaring that he would not be granted a new lease. They also applied for permission from Wandsworth Council to convert the site to residential use.

Five key points you must consider when negotiating a commercial property lease 

Tenancy agreement and key with symbolic house key ring.

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Commercial property transactions can be complicated. When a small or medium-sized firm wants to negotiate a lease, a few key points should be considered.

Retail squeeze sees a drop in the number of independent shops opening on the high street

B8ERNW Empty shop premises London. Image shot 2009. Exact date unknown.

A report by the Local Data Company and the British Independent Retailers Association found the number of independent shops increased by just 476 - or 0.18 per cent - in 2015.

Is Sports Direct shutting down? No but RACHEL RICKARD STRAUS thinks it wants us to think it is...

Is Sports Direct shutting down?

The shop has massive marker pen signs saying 'STOCK LIQUIDATION' and ALL STOCK MUST GO'. I assumed it was shutting down - but it's not. I can only imagine therefore that Sports Direct means 'all stock must go' in the traditional sense that that is the conventional aim of a retailer. But the cynic in me thinks I can't have been the only one tempted to go have a look for a bargain item thinking that the store was shutting down.

Collapsed celebrity tax firm Rebus sees cases against financial advisers sold on for £60 each

Pile of ten pound notes and credit cards. 


Image shot 2006. Exact date unknown.

Some 1,700 investors in failed tax and property schemes have had their claims against independent financial advisers sold to a law firm for £100,000 - an average of just £60 each.

Week in the Mediterranean sun gets more expensive for British tourists as pound dives against the euro

Week in the Mediterranean sun gets more expensive for British tourists as pound dives

The pound has fallen to €1.24 yesterday, the lowest since June 2014, amid growing uncertainty in the run up to June's referendum over the UK's membership in the European Union. This means that having a meal, a drink or buying a tub of suncream in many European destinations has become more expensive for British holidaymakers, according to the Post Office Travel Money's latest holiday costs barometer.

House prices jump over £20k in a year to a new record high as double digit growth returns for the first time since mid-2014

House prices jump over £20k in a year to a new record high says Halifax

Buyers chasing a low stock of homes for sale sent prices rising by £21,587 or 10.1 per cent in the three months to March, compared to the same period a year ago. The average price is now £214,811, the latest Halifax house price index reveals. This is the biggest annual jump since July 2014 and the second biggest since the run-up to the financial crash in September 2007.

Sainsbury's scraps its price-matching scheme to focus on offering cheaper basics

A customer shops at a Sainsbury's supermarket in Chafford Hundred, U.K., on Wednesday, May 12, 2010. The U.K.'s third largest supermarket chain said profit more than doubled as it added convenience stores to win shoppers and attributed a higher value to its property assets. Photographer: Chris Ratcliffe/Bloomberg via Getty Images

The supermarket's Brand Match strategy was introduced in 2011 and gives shoppers money-off vouchers if they could have bought branded items cheaper at Asda. It will end on April 27.

Energy bills still a mystery for six in ten Britons as suppliers are voted worst offenders for confusing statements

A Young woman in her 20s attempting to read and understand her electricity meter reading and energy bill. 


D61YF1 
Image shot 04/2013. Exact date unknown.

Despite reforms introduced by Ofgem two years ago requiring suppliers to make bills clearer nearly half said they have seen no difference.

Sky giving away free 32-inch TVs to new customers - after hiking the price of packages for existing punters by up to £30 a year

Sky giving away free 32-inch TVs to new customers after price hike for existing

If they don't want the TV, they can grab a £100 Amazon or Tesco giftcard, £100 loaded onto a prepaid Mastercard, or a Samsung Galaxy Tab E. Sky says the free TV offer is available across six bundles: The Original, The Complete, The Family, The Variety, Sky Movies and Sky Sports. Customers have to take out a 12-month contract.

Will you lose your email address if you switch broadband provider? Some delete accounts and others charge up to £60 a year to keep them...

A45BH5 Frustrated woman working at her computer

BT has announced it is tripling the amount former customers will have to pay to keep their BT email address when they switch provider. Other providers just delete them.

Where are the best deals for your Isa cash? Anyone who took out a popular deal a year ago should move their money now

Where are the best deals for your Isa cash? You should move your money now

By switching your cash into a better-paying account you can boost your interest for the coming tax year (which starts today) by hundreds of pounds. Pickings are sparse. The top deals have disappeared fast over the past few days following National Savings & Investments' shock announcement last week that it is to cut its Direct Isa rate from 1.25% to just 1% in June.

New platform offers British savers access to the best deals across Europe - but if you thought rates were low here, wait until you see what's on offer on the continent...

Berlin-based Raisin is offering savers across Europe the chance to access top rates across the continent - but it is unlikely to be that appealing to Britons at the moment.

Atom Bank tops the savings tables with its first-ever account - but it is only available to savers with an iPhone or iPad

Atom Bank has this morning launched its first savings accounts, including a one-year fix at two per cent. However it can only be accessed by iPhone or iPad.

Will you be a winner in the state pension revolution? It's the biggest shake-up in our pension system in a generation. But not everyone is going to be better off 

Will you be a winner in the state pension revolution? Not everyone will be

The run-up to the change has been mired in controversy. False promises, misleading statements by Government ministers and a lack of practical information have undermined changes that should, in the long term, create a simpler and clearer system. So what is really happening, how can you find out what you may receive and is it possible to boost your pension?

How you can earn £17k tax free! Cash in on higher personal allowance and new tax year's savings and dividend rules

Cash in on changes for the new tax year to earn £17k tax free

About 1.5 million people are set to benefit from the new rules and roughly half of those will save more than £50 a year in tax, according to government estimates. A new personal savings allowance entitles basic-rate taxpayers to the first £1,000 interest earned tax-free. Higher-rate payers have a £500 allowance. Additional rate 45 per cent payers get nothing.

Happy new tax year! Will you be better or worse off in 2016/17? Here are the changes you need to know about

Tax year 2016/17 and the changes you need to know about

The start of the new tax year brings a raft of changes that have consequences for your personal finances. And with so much change afoot, it can be difficult keeping up with what's going on. To make things a little easier for you, here's a list of the major changes you simply can't afford to ignore.

Housing generation gap laid bare: Number of households making money from property triples since 1980 - while young buyers are kept off the ladder

Buy-to-let landlords triple since 1980 while young buyers are kept off the ladder

Nearly six per cent of households are receiving income from rented properties - a figure that has tripled since the 1980s, according to data from the Office for National Statistics. This growing army of landlords has had a huge knock-on effect to younger Britons - dubbed 'generation rent' - with an explosion of those aged 26 to 30 privately renting a home.

Is it cheaper to rent or buy in your area? Buying now costs less in nearly half of UK cities - and the biggest savings are in Glasgow and Coventry

AY5G2M Tourist visiting the viewing galery at the Glasgow Lighthouse The Lighthouse in Glasgow. Image shot 2008. Exact date unknown.

Buying a home is now cheaper than renting in nearly half (48 per cent) of cities in the UK, a bigger proportion than just over a third (36 per cent) in October, property website Zoopla said today.

Do homes in your postcode breach the death tax threshold? Map reveals areas where homes are liable for inheritance duty

An increasing number of people now have to worry about death taxes because they live in a property hotspot - although pending changes should protect vast majority of homeowners by 2020.

Brewbird Coffee is serving up more than flat whites - it aims to give ex-offenders a second shot: Here's how to set up your own social enterprise

Brewbird Coffee and how to set up your own social enterprise

Brewbird Coffee is cafe with a difference - it's a social enterprise run by St Giles Trust, a charity that helps 'socially excluded people', including ex-offenders, young adults who have recently left care, the homeless and people who have suffered with addiction. Inspired? Find out how to set up your own social enterprise.

Equitable Life hikes fees by 50% as it prepares to close some of its funds in move which will affect 77,000 savers

image001.jpg

The insurer, which went bust in 2000, increased its fees on unit-linked savings and pension plans on April 1. It is closing some of its 107 funds and moving policyholders' money into alternative funds.

Now internet savings rates are tumbling: Shawbrook and Virgin Money close easy access accounts as fixed deals plummet

Businessman shaking a piggy bank

Shawbrook Bank has closed its Easy Saver internet-based account, which pays 1.12 per cent after tax, to new savers, replacing it with a deal paying a much lower 0.88 per cent.

I switched from TalkTalk to Sky in 2007 but have been charged by both ever since - now I've overpaid £1,700 and want it back!

I switched from TalkTalk to Sky in 2007 but have been charged by both ever since

When I moved from TalkTalk to Sky in 2007 I thought the line rental was still being charged by TalkTalk at £27.70 per month and that Sky was charging me £37.40 per month for broadband so I never questioned paying twice. Now I've found out this is an error and in fact Sky have been providing me line rental and broadband since 2007 but TalkTalk has been charging me for it as well.

Risky Isa scheme for savers who invest in peer-to-peer and crowdfunding sites is delayed

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Just eight little-known websites are offering the Innovative Finance Isa, which was due to launch today. It allows savers who invest in peer-to-peer and crowdfunding sites to earn interest tax-free.

Star fund manager pledges lower fees: Neil Woodford throws down gauntlet to rivals

Woodford Investment Management has pledged to stop charging research fees which are used to pay for analysis of what shares to buy and sell.

Retirees heading abroad are still choosing the continent to spend their pension pot in - but will Brexit change their destination? 

TransferWise has warned expats they may get hit by a falling pound as the EU referendum debate intensifies.

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.

Our savings picks: This is Money's five favourite best buy cash Isas for 2016

"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

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? Chancellor's austerity now (so we don't pay later) to keep rates on hold - as they stick for seventh year

When will UK interest rates rise?

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

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

April 2016
Prize value Winning bond No. Area
£1,000,000 156TA530227 Devon
£1,000,000 148NB758264 Mid Scotland and Fife
£100,000 78YM696418 Bromley
£100,000 194QH173336 Avon
£100,000 193YM044522 Overseas
£100,000 181JB419735 Bristol
£100,000 155BJ778670 Nottingham
£100,000 103EA347628 Inner London
£50,000 97LB404771 Harrow
£50,000 85LH712626 Kent
£50,000 52NJ179234 Ealing
More Premium Bonds winners

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