NEW I've been gifted a few thousand pounds towards buying a house but we won't buy for at least 12 months. It is currently sitting in a 0.03 per cent current account that I have had forever. I’m wondering about putting this money to work but I know nothing about this side of the world and I am not sure what my options are. Do you have any tips? Are there any high interest rate Isas or should I invest it?
I work part-time, care for my disabled husband and pay the 'married woman's stamp: What state pension will I get at retirement?
NEW I had two children and went to work part time from 22 years old and paid the married woman's stamp since then. My husband paid full stamp but was disabled after a brain haemorrhage burst under his brain. I have looked after my husband since the mid-1990s. What pension if any will I get in 2020? Also, if my husband dies before I reach my retirement date in 2020, will I get any pension at all?
NEW Outsourcing firm Capita, responsible for some big public sector contracts, has asked investors to stump up an extra £701m to help its strategic restructuring. Its share price has struggled in recent months. Meanwhile electronics firm Philips has revealed profits fell 27 per cent in the first three months of its financial year.
Thieves plundering contactless cards at a rate of £27 a minute: How to stop criminals making off with your cash
Our analysis suggests the security threat is increasing at an alarming rate as the nation’s shoppers turn in droves to convenient ‘tap and pay’ cards and phone apps to ease queue stress. Spending this way soared last year to above £52 billion – double the amount in 2016 according to industry body UK Finance.
Duke Royalty is an Aim-listed business specialising in providing royalty-style finance to companies in fields such as industry, leisure and technology. The shares are 39p and should increase substantially as the firm expands and develops. There is also a generous quarterly dividend policy and an annual yield of more than 5 per cent. Royalty finance has existed for decades in the mining industry.
The Student Loans Company sets the interest rate every year, charging 3 per cent plus the Retail Prices Index rate as of March - 3.3 per cent. Once students graduate, the rate varies with interest of between 3.3 and 6.3 per cent, depending on earnings. If these numbers were not shocking enough in today's low interest rate environment, youngsters are charged the highest interest from the moment they start their studies until they graduate.
Midas recommended the shares in May 2016, when they were 55½p. They have nearly tripled since then, to 148½p, as the company has expanded and profits and dividends have increased. ULS is principally involved in driving down the cost of conveyancing. The company has developed an online service, which allows mortgage lenders, estate agents and end consumers to compare the cost of conveyancing solicitors.
The Which? study of almost 12.9m people receiving the state pension found that the average man receives £153.86 per week compared to their female counterparts who pockets only £125.98. But the research also suggested that the state pension gap between men and women is getting smaller. Which? said that, in August 2017, the average payment received by women equated to 81.9 per cent of that received by men, up from 77.7 per cent in August 2013.
Prince Charles flies the flag for Britain's electric car future as he takes a new Jaguar I-Pace to the Commonwealth summit
Prince Charles today celebrated a truly electric day. For not only was the heir to the throne confirmed as the Queen's successor as head of the Commonwealth, he was also flying the flag for Britain's drive towards greener electric cars. The Prince has been using the new all-electric Jaguar I-Pace for official duties at Commonwealth Heads of Government meetings - the first VIP to do so - having keenly followed its hi-tech and environmentally-friendly development for more than a year.
Fancy your own love nest in Majorca? Ahead of the new series of hit TV show Love Island, we pick six homes for sale
Ahead of the new series of Love Island, presented by Caroline Flack, inset, MailOnline Property has picked six properties for sale on its home of Majorca. Buyers can typically expect to spend around £385,000 for a home on the island, according to experts. Our pick of homes caters for a variety of budgets, from £120,000 to a massive £30million
Entrepreneur launches a website where you can raffle your home instead of selling it - and the first on offer is a trendy £650k London flat at £5 a ticket
An entrepreneur has tapped into the growing trend for raffling homes by launching a platform that allows owners to sell tickets instead of their property - and first up is a £650,000 London flat that you could win for a fiver. Benno Spencer has started up website Raffle House which he says makes sure the rules are watertight so 'sellers' and entrants will not be left disappointed.
Digital challenger bank, Tandem, has launched its first ever savings accounts. It has started with three competitive fixed-rate accounts with rates just shy of the market-leading deals. Should you sign up? We take a look.
SIMON LAMBERT: Raising rates is a good idea - but doing it because wages are rising faster than inflation is not
As the news arrived that pay was once again beating inflation and so rising in real terms, comments emerged that this was likely to firm up the case for an interest rate rise in May. but low wages have been a persistent problem for the British economy and we need to avoid killing off real pay rises just as they begin.
'We bought a new-build in a city so why is our broadband so slow?' Couple left battling an internet connection that can take a day to download a movie
Ben Mains and his partner, bought their new build home in August 2016, but when they moved in found there was no way to access a decent speed of broadband. In fact none the best speed Ben can hope for is around 1.8Mbps - far beyond the 10 Mbit/s the regulator believes is needed to get a 'decent' broadband speed.
Sellers desperate to flog their homes are slashing asking prices by £25k with a third of homes on the market cut
Homeowners desperate to sell their properties are slashing thousands of pounds off asking prices. Nationally, the average reduction in asking prices stood at £24,947 or 8.42 per cent earlier this month. Looking slightly further afield, the deepest discounts can be found in the self-governing British crown dependency of the Isle of Man, where sellers have cut asking prices by an average of £41,212 or 8.36 per cent.
The media giant is under pressure from investors to reveal more information about the dramatic exit of Sorrell, 73, who was facing unspecified allegations of 'personal misconduct'. Roberto Quarta, the chairman, was in New York last week to meet investors, including the third largest shareholder Harris Associates. Another big investor, Mawer Investment Management, last night called on WPP to reveal more about the probe into Sorrell.
Drug firm Shire in £42bn takeover tug-of-war: Rare disease expert set to be at heart of global bid battle
The FTSE 100 firm which is based in Ireland, but has offices in the UK, yesterday revealed it had already fought off three proposals from Japan's Takeda. In a dramatic day, it was revealed the firm could also be swooped on by Botox-maker Allergan which said it was set ready to gate-crash the talks by making a bumper offer.
The hidden price of running an electric car: Public charging is up to eight times more expensive than at home costs
According to What Car?, the rising cost of using public charging, along with a lack of off-street parking for cheaper home charging makes electric cars more expensive than you think. It some public charging providers cost over £17 once you've tallied up subscriptions, connection fees and the electricity you've used.
ASK TONY: I'm 62 and in ill health, so why was I left waiting three months for a pension payout after my wife died
My late partner had a pension handled by Mercer. My son sent the firm the forms and death certificates on November 3, so I could receive the spouse's benefits I am due. We received them back on November 10. We heard nothing, so called on December 22 and were told it was with the administration department.
After 51 years, RAC tripled price of my breakdown plan: David, 74, is one of millions being punished for loyalty
David Hollyman last used his breakdown cover in 1966, when his motorbike's engine failed on a trip touring the Isle of Man. Then aged 22, David turned to the RAC for help, and a patrolman ensured that he and his beloved BSA Gold Star made it home safely. David, now 74, and later his wife Elsa, 69, remained loyal RAC customers for 51 years, and then it hit him with a massive price hike.
Freelance NHS radiographer Janet Brookes, 71, wants to make her accumulated wealth stretch to cover potential care costs in later life and leave an inheritance. She currently has almost £100,000 in cash and £50,000 invested. We ask one of our Money Pit Stop experts to look at her situation and portfolio.
Room for the kids, ripe for the race track and ready to cross a continent: Eight cars that can do it all... if money is no object
If you had an unlimited budget but could only buy one car, what would it be? A super GT might be the answer. It's a car that can combine fearsome performance with the practicality, luxury and comfort. And the world's luxury car makers have become very keen on making vehicles that could do it all. We pick some of the best, including (clockwise from top left) the Ferrari 812 Superfast, Mercedes-AMG S63 Coupe, Aston Martin Vanquish S and Rolls-Royce Wraith.
Wyelands Bank has launched two new fixed-rate savings bonds this week, pushing its way through the rest pack to take pole position at the top of This is Money's best buy savings tables. The challenger bank's two-year account leapfrogs rivals, with a new best-buy rate of 2.15 per cent that beats the likes of Tandem , Ikano Bank and Secure Trust, all paying 2.1 per cent.
THIS IS MONEY'S FIVE OF THE BEST SAVINGS DEALS
Ford Money pays 1.44% interest on its one-year fixed rate monthly income Isa account. The provider offers flexible accounts that allow withdrawals without affecting your annual tax-free allowance. It requires a minimum deposit of £500.
Aldermore pays a rate of 1.4% AER fixed on its one-year Isa account. Interest can be paid monthly (1.39%). Minimum deposit is £1,000, allows transfers in.
Wyelands Bank pays a top rate of 1.85% AER interest (1.83% paid monthly) on its one-year fixed rate bond. The minimum deposit is £5,000.
Nationwide pays a top rate of 1.4% AER variable interest on its Loyalty Single Access Isa Saver if you have been a customer for a year or more. If you make more than one withdrawal interest drops to 0.5%.
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).
Workers auto-enrolled into pensions are told the money they pay into their retirement pots will be topped up with both employer and Government cash. But for many on the lowest pay-rung this is not the case. They never get the Government tax relief, because their employers - often unwittingly - sign up to one of the many 'master trust' pension schemes that don't pay it into their pots due to a little-known tax quirk. 'This is an utter scandal and pension providers, Government and the Pensions Regulator are disgracefully forcing the lowest earners - mostly women - to pay an extra 25 per cent for their auto-enrolment pension,' says ex-Pensions Minister Ros Altmann.
My state pension was just 11p a week! It went up when my husband retired, but should my years as a mother count too? Steve Webb replies
When I got to the age of 60 my state pension was 11 pence a week, I am presuming related to my contributions before marriage? Once my husband reached pensionable age I received a reduced pension based on his contributions. I have read recently that women should receive an allowance for staying at home looking after their children? Would I be entitled to this?
Our son is at university and is renting a three-bed flat with two of his friends. There is a flat next door that has come on the market that we would like to buy. We hope to buy this for just under £150,000 but are struggling to sort the finance despite having more than that in savings and investments.
I bought a patio heater to enjoy evenings in the garden, but now I'm worried I'll get a massive energy bill - how bad are they?
Recently, I bought a plug-in free standing infrared patio heater that comes with three power settings - 650w, 1350w and 2000w. I'm wondering how much it will cost to run for 12 hours per week throughout the year. I'm worried that they're energy guzzling and I could end up paying dearly when I get my next energy bill.
Will driverless cars be next? From sat nav to air con, the once revolutionary motoring tech innovations that are now mainstream
How long will it be until driverless cars dominate British roads? Not long, if the big tech firms developing them have their way. And history shows that car technology that feels futuristic can swiftly become the norm. We look back at some of the formerly futuristic auto innovations that have since become de rigueur.
THIS IS MONEY'S FIVE OF THE BEST CASH ISA DEALS
Aldermore pays a table topping 1.50% interest on its one-year fixed rate Isa account. Interest can be paid monthly or yearly. Allows transfers in from other providers, minimum deposit is £500.
Shawbrook Bank pays 1.25% AER on its easy access Isa account. Interest can be paid monthly or annually. Allows transfers in from other providers, minimum deposit is £1,000.
Halifax offers a cash Isa fixed for five years paying 2.25% AER. The minimum opening deposit of £500 must be made within 60 days. Transfers allowed. Qualifies for Halifax's savers prize draw.
Nationwide pays a top rate of 1.4% AER variable interest on its Loyalty Single Access Isa Saver if you have been a customer for a year or more. If you make more than one withdrawal interest drops to 0.5%. Allows transfers in from other providers, minimum deposit £1.
Ford Money pays 1.45% interest on its one-year fixed rate Isa. interest paid monthly at a rate of 1.44%. The provider offers flexible accounts that allow withdrawals without affecting your annual tax-free allowance. It requires a minimum deposit of £500.
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.
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?
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.
Buy-to-let is much tougher than it once was. A tax crackdown on buying properties and a tax raid on the rental income from owning them has seen to that. But for many Britons the idea of investing in property still appeals, as they trust bricks and mortar and may feel that they can add value to a property. Read our top ten buy-to-let tips
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