Canny investors hoping to unearth a tech start-up that can break the stranglehold of the likes of Facebook, Google or Amazon face a near impossible task. But that does not mean there aren't opportunities for upstart firms to offer bumper profits. The key, says Britain's top technology investor Ben Rogoff, is to find a service which can 'bleed in to every part of our lives'.
THIS IS MONEY'S SIX OF THE BEST
THIS IS MONEY PODCAST
Premium Bonds winners
Prize value | Winning bond No. | Area |
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£1,000,000 | 40YG716639 | Bristol |
£1,000,000 | 297XK491568 | County Durham |
£100,000 | 284XM406827 | Swansea |
£100,000 | 279FF383930 | West Sussex |
£100,000 | 238SX203940 | Oxfordshire |
£100,000 | 228SW896518 | Hertfordshire |
£100,000 | 183NV665135 | Glasgow |
£50,000 | 314PP973595 | Norwich |
£50,000 | 311CS783848 | Fife |
£50,000 | 293JQ087400 | Stockport |
£50,000 | 292JQ127514 | Staffordshire |
DON'T MISS
- Sainsbury's buys Nectar for £60m: Loyalty card firm boasts vast database of shoppers and their habits
- Mortgage lenders accused of duping borrowers with best buy rates that cost more than fee-free deals
- Morrisons to axe up to 1,500 management roles... - but will hire an additional 1,700 shop floor workers.
- My brother and his family live in my late mother's home, but the rest of us want to sell: How do we get our share of the estate?
- 'Get rid of all the fiddly reliefs and cut inheritance tax to 20%' SIMON LAMBERT
- The day Marks & Spencer quit struggling town centres: 14 more stores face axe Locals in towns affected fear for future of their High Streets.
- Asia's best companies can deliver for the next 20 years We speak to the top emerging markets fund manager
- Beware this threatening text message pretending to be from the DVLA Even if your car tax is due...
- Elderly at risk of losing their homes unless Government delays plans to withdraw vital mortgage support, insurer claims Support for Mortgage Interest.
- Number of millionaire households in the UK surges by nearly a third in two years to 3.6m ONS wealth data.
- British businesses in recruitment crisis as skills shortage among manufacturers hits 30-year high Survey by CBI.
- Extremely rare £1 coins that were minted in the wrong metal could sell for more than £1,000 Check your change carefully!
- Neil Woodford funds take a hit from Capita share plunge after star manager increased his stake last month Profits warning.
- Wall Street clocks up longest winning streak for nearly 60 years as investors cheer Trump's pro-business blueprint The DJIA rose 146.2 points to 26,223.
SAVE MONEY, MAKE MONEY: OUR TIPS TO GET RICHER
- This is Money's five favourite best buy cash Isas
- Looking for a better bank? Five of the best current accounts
- Energy bills: Could you cut save by switching?
- Best credit cards for spending, holidays and rewards
- The best mortgage rates and should you fix?
- Ten tips for cheaper car insurance - and compare prices
- Best debit and credit cards for spending overseas
- The best and longest balance transfer credit cards
- Best (and cheapest) DIY investing Isa platforms
- Ten tips for buy-to-let and how to find a mortgage
BUSINESS & MARKETS
MARKET REPORT: Broker squabbles with Purplebricks comparing a listing with the online agent to a '£1,000 coin toss'
A spat has broken out between Purplebricks and investment bank Jefferies over allegations the online estate agent sells fewer homes than it claims. The dispute, which concerns the proportion of properties sold on Purplebricks' website within ten months, first erupted on Thursday when Jefferies compared a listing with the online agent to a '£1,000 coin toss' - basically suggesting homeowners had a 50/50 chance of selling their property.
MONEY NEWS & ADVICE
How to improve inheritance tax: Raise the tax-free sum and ditch Osborne's confusing home rules, say experts
News of an inheritance tax overhaul has led to an outpouring of helpful suggestions from experts - and top of the wishlist is ditching or revising George Osborne's new property rules. Chancellor Philip Hammond is also being warned against any sneaky new ploys to raise revenues from people passing on wealth to loved ones.
Personal pensions under investigation, as watchdogs probe charges and fairness of savers' plans outside work
FCA will look at whether consumer protections need to be introduced after an investigation into whether personal pensions are too complicated, hard to swap between, or over-priced. Regulators are turning their attention to 'non-workplace' pensions after a sweeping overhaul of work schemes in recent years.
My brother and his family live in my late mother's home, but the rest of us want to sell: How do we get our share of the estate?
Our mother passed away in 2013 leaving the estate to be divided between siblings.The time now has come where we feel that it is time to sell, but my brother still lives there. As the executor how can we make this legal without losing our individual share of the estate? Paul Handford, lawyer at Which! Legal (pictured), explains the options.
INVESTING SHOW: Asia's best companies can deliver for the next 20 years - we speak to the top emerging markets fund manager
Emerging markets have not been regarded as a hot ticket by investors for some time, but those who did invest have been richly rewarded. Can that continue? We ask Gary Greenberg, manager of Hermes Global Emerging Markets, the top fund in the sector over five years, which has almost doubled investors money over that time.
SIMON LAMBERT: To make inheritance tax better we should get rid of all the fiddly reliefs and cut the rate to 20%
Whatever his real motivation, the Chancellor had a point in his call to put inheritance tax under review - it has a stupidly complicated set of rules and reliefs and is only getting worse. So, if the Chancellor really wants to simplify IHT, here is an idea: get rid of all the fiddly reliefs, keep a tax-free threshold and cut inheritance tax to a flat 20% above it.
Check your change carefully! Extremely rare £1 coins that were minted in the wrong metal could sell for more than £1,000
A 12-sided £1 coin with a minting error is set to sell for thousands of pounds at an upcoming auction. The coin, appears to have been struck using the new dies on the now obsolete single metal blank of its predecessor. It means the coins appears as entirely gold in colour, rather than the bi-metallic colour it should be. There is already a pre-bid of £900.
MORE BUSINESS & MARKETS NEWS
BT insists full-year profits will not be hit by poor end to 2017 but investors are not convinced as shares fall 5%
Telecoms giant BT has revealed a fall in revenues for the last three months of 2017 as higher business rates and pension charges hit. Revenue slid three per cent in three months up to 31 December for the group, with adjusted earnings down two per cent to £1.8billion after the firm invested more into mobiles and improving customer service.
YOUR MONEY ESSENTIALS
Neil Woodford funds take a hit from Capita share plunge after star manager increased his stake last month
It seems there is no end yet in sight to Neil Woodford's 'incredibly painful' period after his funds took a big hit from beleaguered Capita today. FTSE-250 listed outsourcing group Capita has seen its share price plunge by 45 per cent today after issuing a profits warning for the year ahead. Woodford has been a long-term backer of Capita and holds the stock in his Woodford Equity Income and Income Focus funds.
The clever step that foils fraudsters: Former British spy set up his credit file so that no financial deal can be opened in his name without his thumbprint
The Carphone Warehouse in Scarborough's Brunswick shopping centre is bustling with customers. It's Friday afternoon and around a dozen shoppers are crowded around brightly-lit displays that show off the latest Apple and Samsung smartphones, while two shop assistants struggle to keep up at the tills. This is where Jamie Jamieson, who lives in the seaside resort, first tested a system which he claims can defeat identity fraud. Fourteen years ago, Jamie, 69, began using his thumbprint to verify his identity. He added a note to his credit file stating that any application for a financial deal in his name must not be accepted unless it has his thumbprint on it.
Is this the most luxurious new-build on the British property market? Mansion for sale at £17M includes a ballroom that turns into a swimming pool, a car turntable and a wine cellar full of Chateauneuf-du-Pape
Imagine a house with almost every conceivable luxury and this property for sale in one of the most exclusive parts of the country must surely be close to the mark. The brand new home in Surrey's Weybridge is called Whitelands, and has some standout features that won't be found in your average detached family home.
Why a sat nav pushes up your car cover premiums... and how your job title, email address - and even the month you renew - decide the price you pay
Today you can buy all manner of tweaks for your car - from alloy wheels to 'car bras' which protect the bonnet and badge from the elements. But insurers tend to take a dim view of such additions. Relatively small changes to your car can have a big effect on the price you pay for insurance. From a non-standard exhaust, to adding a sat nav, and even the month you renew matters.
From easy mortgage switching to making the air in your home better: Our Great British Entrepreneur Challenge winners
Business angel Andy Yates and This is Money have been on a mission to find great entrepreneurs from all walks of life. Now the results are in and we are proud to announce the winners. The hard work begins now to turn entrepreneurial dreams into reality. There is no guarantee of success, but we can guarantee the journey will continue to be exciting.
Doorstep salesmen are paid £50k bonuses to flog smart meters: Tactics used to sign up families to the digital energy 'revolution'
Energy salesmen are being offered commissions of up to £50,000 a year to convince homeowners to install smart energy meters. Our investigation found staff are being recruited to knock on doors and phone customers on behalf of major energy companies. Job advertisements posted online state that they will be selling new digital smart meters.
ASK TONY: Our landline hasn't worked for two months but Virgin won't fix it
Our Virgin landline has not worked for more than two months and after receiving one letter from Virgin, we have had nothing since and it has not addressed the issue of compensation. My husband is 86 and in very poor health. I am 76. When he needed to go to hospital with a suspected heart attack, we had to use a mobile phone because our landline wasn't working. The mobile was also not working properly - this caused considerable delay. It has also proved impossible for people to contact us, which meant we missed a hospital appointment. When I try to contact Virgin, we go round in circles. My friends and family have also tried on our behalf.
THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS
TSB's Classic Plus account will pay you 3% interest on up to £1,500 and up to £10-a-month if you maintain two direct debits and make 20 debit card payments each month (until December 2018). You must pay in £500 a month.
First Direct regularly tops polls for customer service. Its First Account offers £125 for joining and has a £250 interest-free overdraft. It also now pays cashback for spending with certain retailers. You must pay in £1,000 or pay a £10 monthly fee.
Santander's 123 account pays 1.5% interest on balances up to £20,000 and also gives 1 to 3% cashback on bills. You need to pay a £5 a month fee, pay in £500 a month and have two active direct debits.
Natwest pays £125 cash if you switch to the bank. Plus you get 2% cashback on household bills with its Reward Account. Requires a £1,500 per month deposit.
M&S; Bank's current account has a £125 gift card for joining, plus you get an extra £5 a month top up for the year. It has a £100 fee-free overdraft and no miniumum deposit criteria.
Could the era of miserly rates be at an end? Experts predict an upturn for savers as banks feel the pressure from competition
The light at the end of a very long tunnel could finally be in sight for savers. Two Bank of England schemes giving banks and building societies a cheap source of money are set to end, and lenders could once again have to look to savers. A rise in Bank of England base rate from its current 0.5 per cent to 0.75 per cent is on the cards for later this year - which will also work in savers' favour.
Inheritance tax put under review as Chancellor condemns overly complicated rules on passing on wealth after death
Officials are set to probe everything from submitting returns and paying tax, to making IHT-free gifts and estate planning - but there is no indication of whether the 40 per cent 'death tax' levy could be cut. Chancellor Philip Hammond calls the current inheritance tax regime 'particularly complex' in a letter to the Office of Tax Simplification/
Borrowers in denial over interest-only timebomb mortgages must act now, watchdog warns
A stern warning from the UK financial services watchdog says there are 1.67 million people in Britain with either a part or full interest-only mortgage - equivalent to one in five homeowners in the UK. Many of these borrowers are coming up to the end of their 25-year terms and have no idea how they'll repay their mortgage.
How to take some risk out of your investments: MAIKE CURRIE's four tips to protect your wealth this year
As investors we're constantly told that 'markets can go up as well as down'. But if you've forgotten the last part, it's probably because 2017 was a year of almost all up and very little down. But there's no guarantee that this year will be more of the same. With the era of cheap money being wound down, the spectre of inflation and political worries, volatility may very well return with a vengeance.
Are you being ripped off for investing? We reveal how to check hidden fund fees and what some top funds charge
Investors of popular funds are paying up to three times more than the ticketed prices once transaction and platform costs are added, according new research by the Lang Cat. New rules that have forced fund managers to disclose these and shown how some are far more expensive than was previously claimed - eating into investors' returns.
Will annuity rates recover in 2018? After years of decline a 'good Brexit' could boost pensioners' income, says industry expert
Annuity rates could finally start to increase in 2018 and their popularity grow once again, says expert Billy Burrows of financial adviser Better Retirement. He explains why rates have been low for so long, and what might happen to boost them again, including a 'good Brexit' that keeps the economy steady and nudges interest rates higher.
THIS IS MONEY'S FIVE OF THE BEST SAVINGS DEALS
Aldermore pays 1.8% interest on its one-year fixed rate account. Interest can be payed monthly or yearly. It requires a minimum deposit of £1,000.
Tesco Bank pays a top rate of 1.3% AER on its easy access account. The account comes with a 12-month 0.75% rate bonus so remember to find a better account before the rate drops. Minimum deposit is £1.
Ford Money pays 1.85% AER interest on its 18-month fixed rate savings account. The minimum deposit is £500. The bank has a Best Rate Guarantee which means that if it raises rates before you make your first deposit it will increase yours too.
The Post Office pays 1.45% AER fixed interest on its Fixed Rate Online Isa which lasts for 12 months. The account requires a minimum balance of £100.
RCI Bank pays 1.3% AER variable interest on its easy access deal. Deposits in its Freedom Savings Account have no FSCS protection, but you are covered for up to €100,000 by the French equivalent (FGDR).
GUIDES: HOW TO SAVE MONEY AND MAKE MONEY
WHAT YOU NEED TO KNOW ABOUT YOUR MONEY?
50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings
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 much money do I need to save for my pension? A quick guide to retirement saving...
The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?
What next for mortgage rates: Should you lock in to a cheap fix now?
Borrowers are being offered a raft of cheap fixed rate mortgages as lenders attempt to lure them into remortgaging or buying a home. But HSBC has decided to buck the trend and launch a new rate mortgage that is a tracker instead. We pick out the best fixed and tracker rate mortgages and look at what next for rates.
Ten tips for buy-to-let: the essential advice for property investors
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
ABOUT THIS IS MONEY
BASE RATE RISE: TOP NEW SAVING RATES
Provider
Rates
Axis Bank
2.04%
2yr fix
Coventry
3.50%
Junior Isa
Bank of Cyprus
1.25%
Standard
Atom Bank
1.90%
1yr fix
Tesco Bank
1.30%
Standard
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THE INVESTING SHOW
- Asia's best companies can deliver for the next 20 years - we speak to the top emerging markets fund manager
- Where are the best places to invest in 2018 - and will UK shares be one of them?
- How to find cheap shares: Fidelity Special Situations value investor Alex Wright gives us his tips
- Buy unloved banks, not expensive beer - how to invest for higher inflation
- 'You can't beat the market, so profit from being a passive investor', says Lars Kroijer
- How to invest for income and growth: Tips from dividend hero Brunner's manager
- How investing like Buffett in the UK paid off: The Buffettologist's guide to winning shares
- You get 30% tax relief and tax-free dividends but should you invest in a VCT?
- How to profit from technology and hunt for the next consumer stars like Fever-Tree
- As house prices slow and tax hikes bite, is buy-to-let still worth doing?
- How to invest and achieve long-term returns that beat inflation and low savings rates
- 'Private investors have an advantage': Gervais Williams's tips to pick the best small company shares
MOST READ MONEY
- The day Marks & Spencer quit struggling town centres 14 more stores face axe as locals fearing for future of High Street.
- As Capita is rocked after Carillion collapses is the health of all the big government contractors in doubt?
- Our landline hasn't worked for two months but Virgin won't fix it ASK TONY
- Former British spy set up his credit file so that no financial deal can be opened in his name without his thumbprint The clever step that foils fraudsters.
- British businesses in recruitment crisis as skills shortage among manufacturers hits 30-year high CBI survey.
- Shares in government contractor plunge 43% on profit warning Capita boss says business needs drastic measures - two weeks after Carillion's collapse.
- British car firms see exports to Asia prop up sales as number of vehicles made slipped 3% last year
- Our Great British Entrepreneur Challenge winners revealed From easy mortgage switching to your home's air better
- Inside the £17m new-build mansion with a ballroom that turns into a swimming pool And a car turntable and wine cellar....
- Doorstep salesmen are paid £50k bonuses to flog smart meters Pressure tactics
- Why a sat nav can push up your car insurance... and your job title, email address and even the month you renew
- Workers offered £100 bribes to lure friends and colleagues to cash in valuable final salary pensions Cynical advisers
- Thousands of families to win power of attorney fee refunds They were overcharged
- Carney calls for RPI to be scrapped as a measure of inflation Government likes to use it to charge you money
- Inheritance tax could be overhauled - but will it be good or bad news? .Chancellor condemns complicated rules
- Borrowers in denial over interest-only timebomb mortgages must act now, watchdog warns 1.67m Britons hold the products.
- Netflix isn't perfect, but channels must up their game or risk a viewer and TV licence exodus LEE BOYCE
- TSB forced to pay more than £18k to fraud victims for failing to stop a suspicious over-the-counter transfer
- Now you can get 1.95% on a one-year bond as savings rates continue to edge up Atom Bank tops best buys.
- These 20 Byron restaurants across the UK face closure as the burger chain's rescue plan gets the go-ahead
- Mining for bitcoin can cost a household £5,000 a year in electricity How Economy 7 could be the tariff of choice for cryptocurrency geeks.
- Buy-to-let landlords can still make rental returns 8.9% by letting properties room-by-room Top locations
- How to take some risk out of your investments MAIKE CURRIE's four tips to protect your wealth this year.
- British car firms see exports to Asia prop up sales as number of vehicles made slipped 3% last year Export success
- Could the era of miserly savings rates finally be at an end? Experts predict an upturn for savers as banks feel the pressure from competition.
- Carillion catastrophe means it's time for the book-keeping watchdog to bare its teeth ALEX SEBASTIAN
- It's a buyer's property market down south as sellers accept offers of up to 10% less than asking price Hometrack Cities House Price Index.
- We reveal how to check hidden fund fees and what some top funds charge Are you being ripped off for investing?
- Carillion was in charge of 57 projects worth £5.7bn when it went bust... - and this map from Barbour ABI shows where in the UK they are.
- Thinking of buying shares in the likes of Fevertree, ASOS or Ocado? Here's why you could be paying over the odds for booming household names.
- Why FTSE companies may fear a rise in the value of the pound rather than welcome it
- What your work gender pay report means for you Employers will be forced to reveal figures from April.
- Will annuity rates recover in 2018? After years of decline a 'good Brexit' could boost pensioners' income, says industry expert.
- Investors raked in record dividends last year but income hunters need to prepare for smaller payouts in 2018 Total payouts up 10.5% to £94.4bn.
- British Airways announces £4.5bn revamp amid growing criticism over its budget-style service
- Santander axes unarranged overdraft fees on paid-for current accounts So how much does your bank charge for being in the red?
- Not just a mortgage, this is an M&S; mortgage Challenger bank offers home loans for the first time.
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- My wife has lost state pension by not signing up for child benefits - how can we fight this?
- The Government is churning out wrong state pension forecasts - shouldn't they come with a warning?
- Can my husband's ex-wife claim on his state pension, and would this reduce what he gets?
- Can I take my 25% tax-free lump sum from one pension pot and leave my other alone for later?
- My energy firm docked 5% VAT off my Warm Home Discount - but shouldn't I get the full £140?
- Will my father's second wife receive a widow's pension from the NHS?
- I am 73 and have just remarried - will I lose my widow's state pension?
- It's not just Amazon and Google... UK's top tech investor reveals the forgotten heroes of the Silicon Valley...
- The best income funds revealed: Investment firm's 14 top picks for dividend investors PLUS those to avoid
- RAY MASSEY: Honda defies the scaremongers to launch a diesel Civic which it claims can manage 80.7mpg
- Am I entitled to a £200 a week state pension after paying National Insurance for 51 years? Steve Webb...
- Is it time to cut inheritance tax... or raise it and make more pay? Listen to the This is Money podcast
- Gullible youngsters hit as bitcoin slumps 60% - from nearly $20,000 last year to below $8,000
- Purplebricks goes on the offensive and 'firmly refutes' claim that listing with the online estate agent is...
- That's my baby! New Aston Martins to be sold with their very own birth certificates - and a £450 book...
- MARKET REPORT: Broker squabbles with Purplebricks comparing a listing with the online agent to a '£1,000...
- Astrazeneca's great leap into China: British drugs giant targets Asia's middle-class
- BIG SHOT OF THE WEEK: Ross McEwan has been trying to drag RBS out of the gutter for five years... with...
- More than £6.4bn of savings sitting in poorly performing 'dog' funds despite markets reaching record highs
- DAILY BRIEFING: UK construction slumps as housebuilders endure a tough start to the year
- ALEX BRUMMER: As the Pensions Regulator targets the BHS bozos it mustn't forget their advisers
- How to improve inheritance tax: Raise the tax-free sum and ditch Osborne's confusing home rules, say experts
- Are the wheels coming off the cryptocurrency bandwagon? Bitcoin plunges below $8,000 after fall of 55% from 2018 peak
- Am I entitled to a £200 a week state pension after paying National Insurance for 51 years? Steve Webb replies
- How to improve inheritance tax: Raise the tax-free sum and ditch Osborne's confusing home rules, say experts
- One in five workers retires with debts averaging £34K as many dig deep for their offspring's house deposits and uni fees
- The best income funds revealed: Investment firm's 14 top picks for dividend investors PLUS those to avoid
- That's my baby! New Aston Martins to be sold with their very own birth certificates - and a £450 book showing the build
- Smart cat's eyes to light up major roundabouts like airport runways to stop drivers crashing into each other
- How to nail a job interview outside the office comfort zone: What to do if you're grilled in a coffee shop, by phone, Skype or FaceTime
- RAY MASSEY: Honda defies the scaremongers to launch a diesel Civic which it claims can manage 80.7mpg
- Mortgage lenders accused of duping borrowers with best buy rates that cost more than fee-free deals
- Purplebricks goes on the offensive and 'firmly refutes' claim that listing with the online estate agent is like 'a £1,000 coin toss' but shares slide again
- Gullible youngsters hit as bitcoin slumps 60% - from nearly $20,000 last year to below $8,000
- We love it! Mercedes-Benz unveils the new A-Class and reveals that more are sold in Britain than any other nation (even Germany)
- FTSE CLOSE: Global markets slide as traders anticipate more US rate hikes; BT shares hit by poor end to 2017; pound at $1.41
- It's not just Amazon and Google... UK's top tech investor reveals the forgotten heroes of the Silicon Valley boom
- MOST READ IN DETAIL
Big Money Questions
- What is sustainable investing - and does it mean conventional investing is not sustainable?
- How to get the money you need for the lifestyle you want: Entrepreneur and multi-millionaire Rob Moore shares his tips
- What is a bank and can anyone set one up? Founder of Metro and Atom Bank Anthony Thomson answers
- What's the outlook for gold in 2018, how can you buy it and is BITCOIN a good substitute?
- What is a dividend? We explain how they can make you richer, how they work and why you might be getting them without even realising
- Can you live a champagne lifestyle on a lemonade budget? Multi-millionaire property investor Mark Homer thinks you can and tells you how
- What is an Isa? We explain what they do, how to pick the best one for you and how they can make you richer
- Will artificial intelligence become cleverer than humans? We look at what it would mean for our jobs, planet - and how we need to prepare NOW
- Will economists be able to see the next financial crisis coming? They didn't see the last one...
- What is the FTSE 100? Investor and MP John Redwood explains what it is and why it matters to you even if you don't invest
MIDAS SHARE TIPS
- MIDAS SHARE TIPS: Concierge to the rich Ten Lifestyle Group is an investment set to sparkle
- MIDAS SHARE TIPS UPDATE: Software firm Ideagen safeguards fighter jets, trains and hospitals, and is flying high
- MIDAS SHARE TIPS: The high street is changing and it's survival of the smartest - so which shops will thrive?
- MIDAS SHARE TIPS UPDATE: The only ones crying at Boohoo are investors who failed to buy
- MIDAS SHARE TIPS: From platinum to chrome, Tharisa could unearth profits that will make your portfolio shine
- MIDAS SHARE TIPS UPDATE: Palm oil firm MP Evans reaps a lucrative financial harvest
- MIDAS SHARE TIPS: A biotech star, a legal firm and a British engineer, meet our three top picks for 2018
- MIDAS SHARE TIPS SPECIAL: Our year of share tip winners (and just a few losers)
- MIDAS SHARE TIPS: Cash in on the Great Christmas Clean-up with Biffa - an investment that recycles rubbish into electric power and profits
- MIDAS SHARE TIPS UPDATE: Uncorked... festive sales flow for drinks firm Conviviality
- MIDAS SHARE TIPS UPDATE: Patience will pay off for young tech entrepreneurs at Mercia
- MIDAS SHARE TIPS: Slap on the Warpaint, cosmetics shares look to be a winner
FUND AND TRUST IDEAS
- WAVERTON EUROPEAN DIVIDEND GROWTH: We look for a trigger to invest... but only in firms focused on shareholders
- JUPITER GLOBAL EMERGING MARKETS: Three years in and Ross emerges as a star in the making
- INVESCO PERPETUAL DISTRIBUTION: The world may have changed but £3bn fund continues to deliver
- CITY OF LONDON: The dividend king investment trust planning on delivering 52 years of rising payouts
- STONEHAGE FLEMING GLOBAL BEST IDEAS EQUITY: Fund focuses on the world's strongest brands - and it's paying off
- EDISTON PROPERTY: The trust that is expanding its portfolio to turn a profit even as the High St declines
- THE SCOTTISH INVESTMENT TRUST: The global fund that's raising a glass to the vineyards of Australia
- JP MORGAN US EQUITY INCOME: Why the US can be the real thing for dividend income
- PERSONAL ASSETS TRUST: The trust that protects nest eggs from rise in the cost of living
- MARTIN CURRIE ASIA UNCONSTRAINED TRUST: New approach means more dividends and backing winners for the long term
- NEWTON GLOBAL EMERGING MARKETS: The fund boss who aims to help you sleep soundly
- JUPITER UK SPECIAL SITUATIONS: Enter the matrix...how to take the emotion out of stock picking
- VINACAPITAL VIETNAM OPPORTUNITY: Why Vietnam is proving the jewel in the crown of frontier markets
- TEMPLETON EMERGING MARKETS: How a stock market meltdown can mint rewards for the brave
Latest: Mortgages & home
- Mortgage lenders accused of duping borrowers with best buy rates that cost more than fee-free deals
- The 10 least and most affordable cities in the UK: At seven times average wages homes are more out of reach than at any time since 2007
- Elderly at risk of losing their homes unless Government delays plans to withdraw vital mortgage support, insurer claims
- Has the decline in homeownership been halted?
- House prices start the year with a surprise jump, as property inflation hits a 10-month high of 3.2%
- Borrowers in denial over interest-only timebomb mortgages must act now, watchdog warns
- Not just a mortgage, this is an M&S mortgage: Bank offers home loans for the first time - and up to four people could buy together
- It's a buyer's property market down south as sellers accept offers of up to 10% less than asking price
- Homeowners who can't redecorate without permission: Freeholds are being sold with terms that could make homes hard to sell
Latest from Saving & banking
- Check your change carefully! Extremely rare £1 coins that were minted in the wrong metal could sell for more than £1,000
- Do you have overdraft charge outrage? The best bank accounts for those who stray into the red
- Now you can get 1.95% on a one-year savings bond as rates continue to edge up
- TSB forced to pay more than £18k to fraud victims for failing to stop a suspicious over-the-counter transfer
- Could the era of miserly savings rates finally be at an end? Experts predict an upturn for savers as banks feel the pressure from competition
- Santander axes unarranged overdraft fees on paid-for current accounts: So how much does your bank charge for being in the red?
- Fears of a 'trek for miles' just to find a cash machine as Link looks to thin out free-to-use ATMs to boost profitability
- Cash Isa rates continue to climb as Virgin Money adds best-buy easy access account paying 1.21%
- Customers flee NatWest, Co-op and Barclays bank accounts - with Nationwide, TSB and Tesco winning the switching battle
- Looking for a better bank? This is Money's five of the best current accounts
ANSWERS FROM THE Experts
- My brother and his family live in my late mother's home, but the rest of us want to sell: How do we get our share of the estate?
- TONY HETHERINGTON: Firm wanted me to pay fees to get £40,000 compensation for my buy-to-lets... but they are doing just fine!
- ASK TONY: Our landline hasn't worked for two months but Virgin won't fix it
- ASK TONY: Vodafone billed me for a phone I never owned for FOUR YEARS and they won't refund even though it was their error
- Can I get my smart meter removed and will it cost me anything to do so?
- ASK TONY: My TV broke after just seven months but Currys just passed the buck and Sony didn't want to know
- TONY HETHERINGTON: 'I live in Spain and HSBC has blocked my bank account'
- ASK TONY: HMRC warned me I had an NI shortfall after caring for my sick daughter so I coughed up £1.5k - but it didn't raise my state pension
- ASK TONY: Scottish Power won't refund my neighbour after he paid my bills
- ASK TONY: From the daft to the incompetent – how we triumph over firms that fob you off
Latest from Holidays
- Travel insurance trick that gives you FOUR TIMES as the normal payout if your belongings are lost or stolen on holiday
- I (don’t) wanna be in America! As the devalued pound makes a mockery of cheap US shopping trips, RICHARD BROWNING goes on holiday to a shopping centre in Essex - and likes it
- How to beat the holiday booking scams: Read this first before planning next year's break
- Couple who fell ill on holiday billed £4,250 to cancel sickness claim after being contacted by cold caller
- Thomas Cook to offer 'pay as you go away' cover and prepaid card for multiple currencies
- Hot deals for a cool skiing trip: Turn a pricey dream holiday into affordable reality
- Want a third off flights in 2018? Search for Tuesdays, evenings and book exactly 60 days in advance for cheapest fares, in-depth data shows
- Think comparison websites give you the lowest hotel prices? Use this trick to go one better, says LEE BOYCE
- Passengers can fly to the US from Southend from £199 at the end of October - but must connect in Dublin
Currency | Rate | Buy now |
---|---|---|
Updated 03 Feb 2018. | ||
Euro | 1.11 | Buy Now |
US Dollar | 1.3835 | Buy Now |
Australian Dollar | 1.7361 | Buy Now |
Canadian Dollar | 1.705 | Buy Now |
Chinese Yuan | 8.6159 | Buy Now |
Croatian Kuna | 8.2084 | Buy Now |
Czech Koruna | 27.8648 | Buy Now |
Danish Krone | 8.3019 | Buy Now |
Egyptian Pound | 16.27 | Buy Now |
Hong Kong Dollar | 10.847 | Buy Now |
Hungarian Forint | 341.088 | Buy Now |
Icelandic Króna | 132.8652 | Buy Now |
Israeli New Shekel | 4.6827 | Buy Now |
Japanese Yen | 152.4608 | Buy Now |
Malaysian Ringgit | 6.2624 | Buy Now |
Mexican Peso | 25.0397 | Buy Now |
New Turkish Lire | 5.1102 | Buy Now |
New Zealand Dollar | 1.8876 | Buy Now |
Norwegian Krone | 10.6102 | Buy Now |
Polish Zloty | 4.5942 | Buy Now |
Singapore Dollar | 1.8205 | Buy Now |
South African Rand | 16.5827 | Buy Now |
Sterling | 1.0 | Buy Now |
Swedish Krona | 10.9018 | Buy Now |
Swiss Franc | 1.2894 | Buy Now |
Thai Baht | 43.3823 | Buy Now |
UAE Dirham | 5.107 | Buy Now |
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Latest from Cards & loans
- John Lewis Finance expands with personal loans of up to £25,000 with no early repayment fees – so how does it measure up?
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- How much is a good friend worth? £220 or a free trip to Sydney, says Amex (but would you convince them to take out a credit card to get that?)
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- The £1bn stealth fee racket: Thought the new ban on credit card surcharges would end rip-offs? Some hope!
Latest from Investing
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Latest: money and Cars
- RAY MASSEY: Honda defies the scaremongers to launch a diesel Civic which it claims can manage 80.7mpg
- We love it! Mercedes-Benz unveils the new A-Class and reveals that more are sold in Britain than any other nation (even Germany)
- That's my baby! New Aston Martins to be sold with their very own birth certificates - and a £450 book showing the build
- Smart cat's eyes to light up major roundabouts like airport runways to stop drivers crashing into each other
- Speed camera vans catch more than 9,000 drivers not wearing seatbelts and using phones each year
- Best car scrappage schemes in 2018: Which car brands are still offering discounts on new models when you trade in your old banger?
- Beware this threatening text message pretending to be from the DVLA – even if your car tax is due...
- British car firms see exports to Asia prop up sales as number of vehicles made slipped 3% last year
- Why a sat nav can push up your car insurance... and how your job title, email address - and even the month you renew - change the price you pay
- The councils with the most unfilled potholes revealed: More than 100,000 reported but not repaired due to a lack of funding
TOP CALCULATORS
- This is Money's calculators and tools All our calculators in one place. See how they could help you
- Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today
- True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages
- Mortgage affordability: How much you can borrow Find out how much you can afford to borrow and the difference between repayment and interest-only
- Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth.