Having a landline phone has become irrelevant for millions of homeowners who pay for something they never use. Only one in five who pay for a landline actually uses it, according to Kate Devine of comparison website MoneySupermarket. Yet the cost of renting these unused phone lines has risen faster than inflation. Monthly line rental from BT is now £18.99 a month, up from £15.99 in August 2014. Douglas Hunter (pictured) has never plugged in a landline phone, though his BT Sports package includes line rental along with broadband and television.

David Kershaw was the advertising boss charged with making us want to stay in the European Union. Notoriously, of course, the campaign failed and Kershaw is clear about why - campaigning was too negative and there was no clear direction from the politicians. The 62-year-old advertising veteran has been a top figure in the London ad scene since the 1990s and a long-term associate of the Saatchi brothers.

From the start of next month, under the Consumer Rights Act, passengers will be able to ask for their money back by going to a local county court if they are not happy with the way a rail operator has dealt with their request for compensation. Long-suffering commuters will also be allowed to demand that compensation is paid in cash rather than train vouchers.

He made his fortune by selling the business he founded in 1992 - SJD Accountancy - for a nine-figure sum in 2014. He now owns his own airline, Jota Aviation, and created his own racing team, Jota Sport, in 2008. In 2014, he won Le Mans with team-mates Harry Tincknell and Oliver Turvey. Now 46, he lives in the tax haven of Monaco with his wife Sabrina, 36, and sons Bowie, 14, and Enzo, 11.

The study by business support group Enterprise Nation, which polled 800 small companies and consulted dozens more through focus groups, found 68 per cent expect to expand in the final quarter of 2016. Of those, 59 per cent said they planned to boost profits by introducing new products or services.

The investment world loves to make things complicated, but does that help anyone make more money? In an episode dedicated to how to make investing simpler, Gemma Godfrey joins Simon Lambert and the Investing Show regulars in the studio to discuss how to demystify the investment world.

Safety pioneer Volvo's new V90 estate and S90 saloon are fitted as standard with a remarkable new 'pilot assist' feature, which takes over the car's steering, braking and acceleration at speeds of up to 80 mph - or 10 mph higher than the UK maximum motorway speed limit. And, trust me, it works.

Those who ploughed money into supercars and the top of the classic car market have made handsome returns in recent years, but insiders now say the collectible car market is coming off the boil. The classic car market famously collapsed in the early 90s, with cars like the Ferrari F40 falling in value. Insiders said this won't happen this time around but warn that values have hit a ceiling.

The latest survey from RICS confirmed that professionals valuing property now expect house prices to rise 3.3 per cent a year on average for the next five years - the most confident prediction given in the survey since the referendum vote. 

Having never got round to tweaking my Isa portfolio before the EU referendum, I resisted the temptation afterwards. As luck would have it that was the right move, my portfolio is up 9.1% on where it stood three months ago and 14% on the week after the vote. Now, though, I risk falling into a new trap of thinking this was down to investing skill.

The Harley shudders like a pneumatic drill and has suspension so firm that you'll need your orthopaedist on speed dial, so could it win Rob Hull over in three months?

Rob Smith's homemade gripping aids attracted the attention of fellow wheelchair rugby players and became the starting point for his company, Active Hands. He estimates 100 athletes at the games are using his technology and his company has won the chance to pitch for business in Rio.

Next time you're given a handful of change in a shop, stop and look before chucking it back in your pocket, purse or a jar. Earlier this year, a 2p coin sold for almost £1,400 at auction because it was silver instead of copper (top left). We reveal other more common coins that could be worth more than you think - which include a 50p coin issued with a picture of the iconic Kew Gardens pagoda (top centre), a £2 coin issued with an image from the 2002 Commonwealth Games (top right), a 50p bearing an image of Peter Rabbit (bottom left), a 2p coin mistakenly saying 'new pence (bottom centre) and a 50p coin issued to mark the European single market (bottom right).

Today, This is Money launches a new hub page for scams to watch out for as fraud losses continue to grow. Bookmark it, send to friends and family to help stem the flow. The hub has guides, the latest scams to watch out for and videos to help keep the fraudsters at bay.

When I took out a BT landline contract for my interiors business in March last year, the salesman also offered me a mobile phone contract costing £20 a month plus VAT, which I took. The plan includes just one gigabyte (GB) of data, so my employee has been very careful to only use the internet when there is a free wifi connection.

While you can't control the fact that it may have rained every day, or found yourself consigned to bed after a dodgy meal, you can get your money back if your airline, train firm or ferry company let you down. So if your summer break was ruined by delays, strikes or cancellations - or if the holiday you booked wasn't as advertised - now is the time to fight back.

Two mini-bonds launched by a firm called Providence Financial have hit the skids leaving nearly 1k investors facing a nervous wait on whether they will receive any of their money back. We warned that the bonds, one launched at the end of 2014 with quarterly interest of 8.25% and another last year promising 7.5%, were a potentially risky investment at the time of launch.

Tens  of thousands of students heading to university for the first time are at risk of being rejected for current accounts and overdrafts because they are from the wrong part of the country. An estimated 20,000 teenagers are set to be turned down for accounts that offer interest-free overdrafts for students.

Sales across British high streets have fallen for seven months in a row, figures reveal today. Last month, year-on-year sales fell by 1.5 per cent, the BDO monthly High Street Sales Tracker shows. Clothing sales dropped by 3.3 per cent last month and fell by 9.6 per cent in the last week as Britons took late summer holidays, the findings suggest.

Yesterday, Micro Focus shares climbed 14.73 per cent after its deal for the software arm of Hewlett Packard Enterprises was announced. It will automatically trebled the size of the Berkshire-based business, and will push it inside the top 40 of London's top flight.

Nationwide, Virgin Money, Yorkshire Building Society and Clydesdale are the latest in a flood of lenders slashing mortgage rates - but how low can rates realistically go? Despite economists predicting that the Bank of England is likely to announce a further cut to the base rate in November, bringing it down from 0.25 per cent to just 0.1 per cent, experts are suggesting it's unlikely that mortgage rates will fall much further.

In many cases the term 'barn find' describes a model of significant worth, hidden away and neglected for years, potentially subjected to the elements and sometimes occupied by a family of wild animals during years without use. However, after 21 years in storage, this 1978 Datsun 260Z looks to be in incredible condition and it's tipped to fetch £22,000 at auction.

A friend of mine borrowed £6,000 from me six years ago and they've never paid it back. Since then she has changed her address frequently and has been very hard to contact. We have located her at her current address but would like advice on how to go about asking her for the final sum to be repaid.

A reader arrived in the US after a nine hour flight only to be told the Ford Focus he and his family had booked was not available. Avis offered an upgrade instead. Only Mr Turnbull thought it would be free.

Motor dealers absolutely adore this time of year as people flock through the door to put a deposit on a car adorned with the latest number. But that doesn't mean the salesman has to be in the position of strength when it comes to negotiating the price you pay. We've teamed up with car buying site CarWow to tell you which models have the biggest savings.

The Bank of England's rate cut was pointless but a shift in economic sentiment towards spending makes infrastructure a good opportunity for investors, says Tom Becket, of Psigma Investment Management. Also on this fortnight's show, Richard Hunter, of Wilson King IM, reveals why there may be some good news for both the US and UK, and Nick Batsford, of TipTV, explains how technical analysis works for traders and investors

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.

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.

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?

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.

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.