How to claim back the tax on your ticket if you miss your flight

It's the stuff of nightmares for travellers - arriving late at the airport thanks to oversleeping, traffic, or a public transport nightmare and racing through security to the gate only to miss their flight. However, what many don't know, is you can claim back Air Passenger Duty. We explain how...

Daily Mail columnist ROSS CLARK argues that we should all cut up our contactless bank cards. He says that if cash were to become obsolete we would be at the complete mercy of banks.

Can I use Power of Attorney to sell my 95-year-old mum's house?

I have Power of Attorney for my mum who is 95 and in a care home. Is it OK for me to sell her house as the tenants renting it have given notice? She is not desperate for the money but it would ease our minds about further increases in her care home fees.

Investment platform Hargreaves Lansdown reckons that the government only needs to sell its remaining holding at 7.5p a share to just break even on the cost of bailing out Lloyds in 2009.

Theresa May's director of policy has said pensioners should downsize or remortgage their homes to pay for care bills as there is an 'awful lot of money' trapped in the value of older people's houses.

Undeterred by Britain's vote to cut ties with the EU, bookings from Europe for trips to the UK have increased by 5 per cent since the end of June.

Having launched its investigation into retail banking in 2014, the Competition and Markets Authority is set to unveil its final report on Tuesday.

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FTSE CLOSE: Footsie notches up modest gain in slow summer session

The FTSE 100 closed up 15.66 points at 6809.13, but a dearth of news made for a quiet summer day on the London market. The US Dow Jones dropped 17.9 points to 18,525.6 while Germany's DAX was up 65.2 points at 10,432.4 and France's CAC 40 rose 4.9 points to 4,415.5. Brent crude moved above $45 a barrel, clawing back some recent losses. 'The big mover of the day has been crude prices, with Brent gaining over 9 per cent since Tuesday's low,' said a City pundit.

Uncertainty following the EU referendum hit demand, causing new orders to plunge, according to figures from the latest Lloyds Bank Regional Purchasing Managers' Index.

Britain's biggest corporate fat cats received pay rises of 10 per cent last year and now get an average annual salary of £5.5million. Sir Martin Sorrell (pictured) got £70.4million.

People increased spending on clothes and meals out last month, although at lower levels than seen in recent years, according to the latest Visa expenditure index compiled by Markit.

Herefordshire-based Tyrrells, which was bought by Bahrain-based investment company Investcorp three years ago, sells a range of crisps and 'poshcorn',

A while back, Telit Communications stopped describing itself as a machine-to-machine communications company and started emphasising its Internet of Things capabilities.

Pain or gain? Winners and losers from Dr Carney's crisis medicine and how to thrive in the

Bank of England Governor Mark Carney has taken drastic action to treat the ailing economy by cutting the base rate to a historic low of 0.25 per cent, among other measures. This has put mortgage borrowers in buoyant mood, with repayments set to tumble. But savers are in despair, as their returns will be squeezed still further. Marc Shoffman and Laura Shannon provide a comprehensive wealth check.

Two escape routes if high charges and problems with a leasehold property leave you fed up

More than half of leasehold owners have admitted they regret buying their property, in the first ever independent national survey of leaseholders. Harry and Felicity Buchanan own a two-bedroom flat in a period stucco-fronted building in Pimlico, London. They, together with the other flat owners, purchased the building's freehold.

Why it pays to settle up in the local currency when holidaying abroad

As sterling falls a rip-off makes deals worse. Holidaymakers are being ripped off in a £380million scam - by making payments in pounds rather than the local currency. Shops, restaurants and even cash machines routinely add up to 10 per cent on bills presented to tourists using a so-called 'dynamic currency conversion' trick.

What are the investment prospects for the top 10 Olympic countries?

As global attention turns to Rio for the Games of the XXXI Olympiad, what are the prospects for investors in the world's most powerful Olympic sporting nations? Fund managers, CIOs and analysts give their top pick of the investment opportunities in the 10 countries which topped the medal tally in 2012.

ROS ALTMANN: Find a better growth plan that doesn’t hammer savers

Middle England is being squeezed. It is time for a new approach, says Britain's former pensions minister. It is important to recognise that lower interest rates can have negative consequences for growth too. For example, savers may have to reduce their spending as rates decline.

Some funds, such as Miton Cautious Monthly Income, are designed to help those wanting a predictable income, while hopefully building up capital too.

Are there treasures hidden in your shed? Brush away the cobwebs, they could be masking a

The garden shed is far more than just a storage space for junk. It can also be a hideaway for a potential goldmine of valuables, writes Toby Walne. The Mail on Sunday wades through the plastic plant pots and cobwebs in search of this treasure trove - and looks at how some antique tools can become shrewd investments.

Research by savings comparison service Moneyfacts reveals the top-paying accounts vanish, often within days of their launch.

As a result of bullying, my wife agreed to what she thought was a five-year, fixed-price contract for gas and electricity with supplier BES. We soon found the price was not fixed.

Savers are hit by even more cuts as the big banks cash in on slashed interest rates

HSBC was the first bank to clobber savers after the Bank of England halved rates from 0.5 per cent to 0.25 per cent on Thursday. Halifax, Tesco Bank, Clydesdale Bank and West Bromwich Building Society followed with cuts on some accounts. Experts warned savers to expect a 'bloodbath' of the top deals as the payouts on some accounts were slashed to as little as 0.05 per cent.

So intense is demand that this week a site launched offering individual savers access to big corporate bonds for as little as £100. Traditionally these have been a good way to get an investment income.

Both annuities and final salary pensions, which provide retirees with a guaranteed income for life, are underpinned by gilt yields, which plummeted to fresh record lows after the rate cut.

We always split the mortgage 50:50 but my friend wants more than half the profits now

A friend and I bought a property ten years ago when we first moved to London for work. We lived there for five years and then both moved out to live with our partners, who we have since both bought homes with and married.
We kept the flat and let it out over the past five years but have now decided that it's time to sell up. It currently has a £300,000 interest-only mortgage on it that we are both named on and have split the payments for 50:50 over the years.

The high rises where the likes of Mo Farah and Jessica Ennis took up temporary residence in the summer of 2012 have a 95 per cent occupancy.

Sales staff at airport pick-up desks are using high pressure tactics to charge around £30 a day for insurance to protect against huge bills of up to £2,500 if tourists are involved in an accident.

Long hours take toll on small business owners' health

A study by market researcher Opinium for Bizdaq - a marketplace for businesses for sale - found company owners work on average 50 hours a week against the national average of 37. It said 1.3million small business owners were suffering health issues due to the pressures of running a small business, with 660,000 of those feeling that the business has a very negative effect on their health.

Biochemist Dr Charles Grummitt and his partner Rosie Marteau, a Spanish translator, founded Yuyo - which means herb or wild plant in Spanish - on their return to Britain after travelling in Latin America.

Hibob raised a staggering £5.2million from angel investors and venture capitalists in a seed round in June, one of the largest the country has seen.

Of the 664,000 firms set up last year, 170,000 were established by non-UK nationals - 14,000 by Poles, 12,500 by Irish, 11,500 by Chinese.

I want to grow my small business, how do I go about accessing finance?

In order to become more productive, businesses often need investment to purchase new equipment, or hire more staff. It frustrates me to see perfectly good businesses finding it so difficult to access investment. Here are answers to five big questions asked by SMEs when considering applying for credit

The Valuation Office Agency is understood to deal with around 10,000 appeals a month but figures suggest the size of the backlog has barely changed since the beginning of the year.

Bosses have called for a delay in the Government's controversial Apprenticeship Levy, a charge on larger firms to fund training across industry.

£30bn Budget black hole will dwarf rate cut lift for Treasury after economic growth is

The Treasury will save more than £1billion a year in interest on its debts after last week's base rate cut by the Bank of England - but the sum will be dwarfed by a £30billion black hole in the Budget if the Bank's forecasts for economic growth prove accurate.

The China National Nuclear Corporation will buy half of China General Nuclear's 33.5 per cent share in the project, which is majority owned by EDF.

The time has long passed since the Bank's rate-setting Monetary Policy Committee could be counted on to rescue the economy single-handed.

The Office for National Statistics wants to almost quadruple its staff there from 70 to 250 by recruiting economists from world-class universities.

Biggest shake-up yet for Pensions Regulator as MPs may demand sweeping new powers

The inquiry into the Regulator by the Work and Pensions Committee will consider whether it should be given new teeth to block takeovers, The Mail on Sunday can reveal. Committee chair Frank Field MP (pictured) has indicated he favours such new powers but is also set to turn the spotlight on the Regulator's senior officers, calling them back for a fresh grilling in the wake of the BHS scandal.

Former Energy Secretary Lord Howell said the current scheme was 'impossible' and privately many in the industry favoured going ahead on a much smaller scale.

Sports Direct's acting finance chief, Matt Pearson, is employed on a contract with just eight weeks' notice and is paid £80,000 a year, it emerged on Friday.

Sarah Harrison, chief executive of the Gambling Commission, outlines a host of ways she is homing in on irresponsible gambling firms.

Peugeot 205 GTI sells for record £31k: Six of the best modern classics

Identifying which cars will become modern classics sky-rocketing in value is something of an art form but, as the owner of this French hot hatch (left) will tell you, it pays off when you get it right. To make life a little easier, we asked an expert in the field of classic cars to hand pick his six future classic predictions, including (top to bottom) the Lotus Elise, Audi TT and Porsche 924.

The peer-to-peer loans and equity crowdfunding markets are celebrating the Bank of England's lowering of the base rate to 0.25 per cent in anticipation of an influx of new investors.

Not everyone was pleased by the Bank's decision to cut rates. So which parts of the market will do well, which will do badly - and should investors alter their asset allocation or sit tight?

Should I use a pension pot to pay off my mortgage? Steve Webb replies

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. This week, he replies to a reader thinking of tapping a pension pot to pay off his mortgage.

In an effort to shore up the economy against a probable recession following the Brexit vote, the Bank wants businesses to keep borrowing, investing and hiring people.

On the latest episode of the Big Money Questions show, we take a step back and ask, what actually is the base rate and what has it got to do with our household finances?

Is there a housing crisis and how do people afford London homes? Property Show

Declining ownership is seen as another sign of property market in crisis, but is this true? Ed Mead, of estate agents Douglas and Gordon, joins the Property Show, to look at the state of the market and whether prices will keep rising. And as an experienced agent he also answers the question many of us will have asked: 'How on earth do people afford London homes?'

New research by insurer Aviva found that the average amounts given by those over 45 to their children and grandchildren differs significantly depending on where they live.

The price of the average UK home dropped by just over £2,000 in the month to July to £214,678, reversing a 1.5 per cent increase in June, Halifax said.

Cutting interest rates from 0.5% is a sign of abject failure

The trade-off we were promised for saving our banks - sticking countless billions on the taxpayer's tab, seeing savers hurt and reckless borrowers rewarded - was that this would never be allowed to happen again. But if we had managed to meaningfully reform our banks and escape our capture by the financial sector, base rate wouldn't have been frozen at 0.5%.

Will interest rate cut mean more misery is on its way for savers?

Savings rates have crumbled, meaning returns savers can get on the high street are already at record lows - and that was before the Bank of England cut the base rate today. Rates on easy-access accounts, bread and butter products in which savers can simply dip in and out of with their spare cash, on offer from Britain's biggest banks are dreadful.

Will your mortgage rate be cut? Lenders can refuse to pass on interest rate cut

Around 1.5 million borrowers stand the chance to save money on their mortgage after the Bank of England cut the base rate a quarter of a per cent to 0.25 per cent. Those on standard variable rates are at the mercy of their lender's decision. Some have already said they will pass on the cut, but many others say they are considering their options.

Rates have been cut and more money printed in a bid to boost the economy as data raised concerns that Britain is headed for another recession after the Brexit vote.

The gamble appears to have paid off with the pound falling around 1.5 per cent against the dollar and the euro yesterday after the Bank unveiled a package of measures to shore up the economy.

Aston Martin's gorgeous new 200mph DB11 is here and we test it

From any angle the DB11 displays gorgeous proportions and a beautiful but faintly menacing stance that says 'don't mess with me.' The DB11 is a worthy successor to the outgoing 13-year-old DB9 and follows the styling route set by the DB10 which starred in the last 007 movie Spectre but never went into production. We put it to the test.

Dihedral doors, a three-seat 'arrowhead formation' layout and 0 to 62mph in less than five seconds - there's a lot to like about Nissan's latest electric car unveiling. But will the Japanese brand make it?

Hungary, Bulgaria and Romania tipped as property hotspots for those looking for cheaper overseas holiday homes amid the slide in the value of the pound.

Hollywood actress Eva Longoria reveals her entrepreneurial streak

Eva Longoria was made famous for her role in Desperate Housewives, which was once the biggest TV show in the world. But she also has roles as a producer, director, social enterprise founder and restaurant owner under her belt. Here she talks about the circumstances that led her to launch her foundation for entrepreneurs and the advice she gave for her younger self.

Prudential has recorded a huge shift since 2008, as back then women retired on £11,300 - 46 per cent less than men - and now they expect to get an average annual income.of £14,450 a year.

I got a car on finance but the dealer wrongly ordered a more expensive one

After placing a new-car order three months ago, a reader discovered the dealership had requested a more expensive version by mistake and increased the balloon payment on the agreement. But why should they be responsible for the dealer's error? Is it worth rejecting the car or is the deal a blessing in disguise?

Tesco Bank has cut the interest on its Low APR Credit Card to 5.9 APR per cent, making it the cheapest deal on the market for anyone looking for a long-term low rate.

Bank Governor Mark Carney said: 'Businesses and households, anyone watching, if you have a viable business idea, if you qualify for a mortgage, you should be able to get access to credit.

Fidelity China manager: 'Sentiment is bad, I'm finding good opportunities'

Fidelity China Special Situations may have moved further to the edge of investors' radars in the two years since Dale Nicholls took over from fund management legend Anthony Bolton, but he has delivered strong performance - with the trust's shares up 55 per cent. Eleanor Lawrie found out why he thinks China is a good prospect, despite the gloom surrounding it.

In the latest in This is Money's new interview series we catch up with RateSetter founder Rhydian Lewis over a cappuccino to find out what next for peer-to-peer.

If you were treated unfairly by your mortgage lender, which knew it was being investigated as a result, you'd be pretty peeved if you remained out of pocket because no-one would admit it.

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.

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.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

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.

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.

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

Will the UK be Norway, Switzerland or Canada? Brexit trade deals we could follow

Now that we've voted ourselves out of the EU, it's time to work out how we're going to trade in future with all its 27 member countries - and the other 27 countries it has deals with. So how do other non-EU members trade with the bloc and would any of their models suit us?

It would have been nice to have a plan. Instead, after the Brexit vote we were left scratching our heads. But now it's time for some answers on trade and what we mean to the EU.

Even after Brexit it could still be possible for us to access the single market and the benefits that come with being part of it, but today we were warned there's a price to pay.

When will UK interest rates rise?

Asked on Radio 4's Today programme if there was a real prospect of a further cut in rates before the end of the year, the Bank's Ben Broadbent said, 'that's true'. Bank rate was cut yesterday to 0.25 per cent from its already record low level of 0.5 per cent, where it had remained for more than seven years.

What next for mortgage rates?

Markets went into turmoil following the momentous decision by the British people to leave the European Union on 24 June 2016. But what does all of this mean for mortgage rates?

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

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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

August 2016
Prize value Winning bond No. Area
£1,000,000 73TQ908838 Somerset
£1,000,000 251SW073009 Cornwall
£100,000 199NH195340 Surrey
£100,000 159BL905832 East Sussex
£50,000 259HS534595 Havering
£50,000 256AC059416 Hertfordshire
£50,000 155AW119420 South Gloucestershire
£50,000 150KJ507049 Avon
£50,000 148GJ883864 West Scotland
£50,000 104RQ826367 Inner London
£25,000 275LK598949 Coventry
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