Updated: 11:15 EDT

Eighty two per cent of sellers admit they agreed first fee they were quoted

High street estate agents raked in almost £500,000 from people selling their homes in the last year because of a reluctance to haggle over fees, according to new research. A staggering 82% of sellers admitted they just agreed the first fee they were quoted, a survey by online estate agents Worse still, four in 10 (41%) of those surveyed said they didn’t know that they could have negotiated their commission fee, while almost one third (29%) wished they had tried to get a lower rate after they had agreed it

A life-changing sum of money is a nice problem to have but that doesn’t mean it’s not tricky. On this week's podcast we discuss how to enjoy some and invest the rest.

We visit Le Gets ski flats for sale that are good for summer too

Buying a luxury apartment in the Alps is widely perceived as the preserve of winter sport enthusiasts. Of course, you can visit in summer - and the mountains are beautiful then too - but some resorts that thrive in winter can be a bit of a ghost town once the snow goes. But if the purchase is in what is known as a dual-season season resort, buyers can get the benefits of using the property in both the winter and summer.

Philip Hampton, the British drugs giant's chairman, is reportedly considering the move after talks with major shareholders. Such a shake-up was called for by fund manager Neil Woodford last year.

One in five boroughs are now operating licensing schemes, which tighten the rules landlords must adhere to beyond what government regulations already require.

Mention the 'C' word and insurers see pound signs - either that or they slam the proverbial door in your face. At least that's how it can feel. Here's our guide to getting cover with a pre-existing illness.

* No FSCS protection, instead covered by French deposit guarantee scheme. For current account rewards and interest conditions may apply eg. using provider's full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs.; Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).





INVESTMENT EXTRA: Would you take a bet on a boom in Kuwait or other very risky

Choosing to invest money in some of the world’s smallest but fastest-growing economies, known as ‘frontier markets’, has always been a risky business. But with that pool of countries becoming smaller and potentially more volatile, frontier-markets investing could become even more of a game of roulette.

The insurance giant revealed that its profit for the first half had plummeted by 63.8 per cent to £43.9m, after it generated an 80 per cent lower return on its investments.

Trump accused the EU and China of 'manipulating their currencies and interest rates lower, while the US is raising rates while the dollars gets stronger and stronger with each passing day.

When Airbus was developing its troublesome A400M military aircraft back in 2010, it wanted to demonstrate the plane's suitability for paratrooper operations.

The disconnect between governance rules so readily signed up to by investors and their willingness to challenge what goes on in the boardroom is contemptible.

The Russia-focused firm said it had secured net proceeds of $53.44 per barrel on a tanker shipment that left its Barents Sea base earlier this month.

The dividend hero shares with yields as high as 48%

An investment that pays 48 per cent a year sounds like one to file on the ‘too good to be true’ pile. But interesting figures highlighting long-term investing’s benefits have revealed that some lucky investors could be reaping those annual rewards from big name British company shares.

Without travel insurance the holiday isn’t protected so if the traveller fell ill and wasn’t able to travel, for example, they wouldn’t be able to claim back the money already spent.

What if caring about where you invest could make you more money? That could potentially be the case for those who back impact investing, fund manager Tim Crockford explains why.

Erna Low Property reveals what it costs to buy a flat in the French Alps

The ski season has ended and most people are thinking of the beach, but for some the lure of a home in the mountains will remain strong. But how achievable is that - and can you actually make it pay for itself? Leaseback schemes claim that by renting an apartment out when you're not using it, you could cover your costs. Our timeline explains how this works.

How much money will I save on my bills if I buy a water butt?

What are the benefits of having a water butt installed and will it help me with my water bills? I have a water meter and pay for the water I use so would like to find a way to cut down my costs.

When it comes to estate-car shopping, total boot capacity isn't the most important factor. The best load luggers are the ones that have the most usable compartment. Here are our top 10 picks.

TalkTalk received highest number of broadband and landline complaints at the start of the year, but if you're with a poorly-performing provider, you have the right to complain or switch.

Was England's World Cup fever good for business?

England's World Cup heroics may have done little to boost the UK's struggling retail scene, but the team's run to the semi-finals did give some industries a kick in the right direction. Latest government figures found that consumers steered clear of fashion, home and electricals shops during the dizzy heights of England's World Cup match days.

Three out of 10 high street estate agents told undercover researchers posing as first-time buyers that using their in-house mortgage broker would make a difference to the property purchase.

‘I couldn't pick up my prepaid rental car because Amex wasn't accepted’

After prepaying for the rental through, for £66.54 for the three days, Cathy Adams was then surprised to find she wasn't allowed to pick the car up. In fact the provider said it only accepted Visa or Mastercard credit cards and she wasn't able to collect her car.

The price rise will affect all those with a standard variable tariff and add an average of £61 onto a dual fuel energy bill bringing it to £1,218 per year.

If I buy my first property to let do I pay extra stamp duty?

I have never owned a property before and would now like to buy one but may also have to move for work and never actually move into it. Is there any time period that you must hold a property as residential before letting to save paying the stamp duty?

Goldman Sachs is poised to launch an assault on the British banking market. It will start small with savings accounts but eventually intends to offer mortgages and current accounts as well.

I expected the financial advisers to look at the funds I could switch to within my existing pensions. Is there a reason they don't do this? I now feel I need advice about the advice!

Why do more than half of us think insurers will always avoid paying?

In fact 55 per cent of consumers also believe insurers will always try and wriggle out of insurance claims, fuelling their resentment of the industry. However, the UK's biggest insurer, Aviva, says this is a myth and it paid out 96 per cent of claims in 2017 across its individual and commercial customers.

Hermes delivers sales rise as lust for luxury holds firm in China

Hermes International has hailed strong quarterly sales as Chinese shoppers continue to go wild for luxury fashion, despite the burgeoning trade war with the US and China's slowing economic growth. The French bag maker's sales performance in this region - up by 'double-digits' - bodes well for the luxury market.

Comcast and Disney were in a bidding war for Fox's assets, which include its film and television studios, National Geographic, a 30 per cent stake in video website Hulu and Indian network Star.

Experian's £275m takeover of ClearScore could be the subject of an in-depth probe by the CMA over concerns that it could increase the cost of credit cards and loans for consumers

All of Poundworld's 355 stores to close within a month

The firm had around 5,100 employees when it fell into administration in June majority owner TPG Capital, the private equity group, failed to find a buyer in May.

Andrew Bailey, a front-runner to succeed Mark Carney as governor of the Bank of England, earned a total of £589,000 in the 12 months to the end of March.

Argentine steakhouse chain Gaucho has become the latest restaurant group to fail with 540 jobs axed and many more at risk.

The pay award to Michael Murray, who is engaged to Ashley’s eldest daughter Anna, emerged as the retailer revealed a bombshell £85.4m write-down on its investment in Debenhams.

Switzerland-based new boss Rico Back, who will commute to the UK for his work, was set to be paid £100,000 more than his predecessor on top of the multi-million pound 'golden hello'.

Return of first time buyers boosts housing market despite 35% property price surge in five

Across the UK there were 170,000 existing homeowners moving house in the first half of 2018 compared with 175,500 first-time buyers. It was the first six-month period when the number of first-time buyers had been higher than home-mover numbers since the first half of 1995, said the Lloyds Bank Homemover Review, which only looked at properties bought with a mortgage. Andrew Mason, of Lloyds, said: ‘Despite continuing low mortgage rates, the home-mover market has stabilised in the first half of this year to leave first-time buyers now driving housing activity.

About ten years ago the EU said that by 2020, eight in ten homes should have smart meters. Not to be outdone, the UK Government followed with similar plan for the devices.

Renault Zoe tops the used electric cars rising in value

If you want to buy a car that will rise in value, you usually need to go for something classic or exotic - not a £6,000 small family car. But new figures reveal a handful of hatchbacks bucking the usual price trend and they all share one attribute, they are electric cars. Topping the list of these unlikely star cars are (clockwise from top left) the Citroen C-Zero, Peugeot iOn, Nissan eNV200 and Renault Zoe.

Barclaycard called me on November 29 last year asking if I had made several purchases, totalling about £2,500, away from my area.

Up to 1.5m people have been sold rip-off wills by banks, including Sheena Hayes's aunt, Martha. Lloyds took £32k from her estate in charges for acting as executor.

House prices slowest since summer 2013, ONS reports

House prices in Britain are growing at their slowest annual rate for nearly five years, according to latest data from the Office for National Statistics. In the 12 months to May, house prices increased three per cent down from 3.5% in April. The last time it was as low as three per cent was August 2013, historical data shows. The average price is now £226,351.

Savers wary of using the internet can still earn top rates by going for an account that can be run over the phone or by post.

Millions of homeowners spend hundreds or perhaps thousands of pounds on their mortgage each month, but a sizeable number of them will pay more than they need to.

Money Mail reader wins a £10k mobile bill reprieve

Rachel Howkins was told by telecom firm Unicom that she had racked up the charges by using 17.5GB of mobile phone data in just eight hours. Experts said it was almost impossible to use so much data in such a short time and now she has won a reprieve.

Just one person in eight eligible for a power of attorney refund has claimed their money back. Power of attorney lets someone make financial decisions on your behalf.

After falling for several months at the beginning of the year, the Consumer Prices Index has remained unmoved on the same figure for three months.

Navy vet tells how he was duped into selling bogus tractors on eBay

Neil Burns thought he'd struck gold when he was offered a job selling farm vehicles on eBay. The 51-year-old Navy veteran's income had fallen significantly since his engineering contract ended four years previously. The commission he would get for listing the vehicles and collecting payments from buyers - as much as £250 for a £5,000 tractor - would be a welcome boost to his finances. But just weeks after accepting the job, Neil discovered that he had unwittingly been caught up in an internet scam.

2018 is on course to be the most catastrophic year for store closures since 2008, with more than 10,000 shops expected to cease trading overall.

M&S; is launching a cheaper and fairer energy deal for its customers. The popular high street brand has ditched Big Six supplier SSE to team up with a small power firm called Octopus Energy.

NS&I slashes inter popular Direct Isa rate - where can you find a better deal?

NS&I; has hacked at the interest on its Direct Isa, cutting rates by 0.25 percentage points to just 0.75%. The new rate, introduced from September 24, means savers will earn £50 less interest on a full tax-free allowance over the course of a year. We reveal where tax-free savers can get a better deal.

Each week we pick out our favourite financial deals to slash your outgoings and make your money stretch further. This week it's savings accounts, a top travel credit card and best-buy mortgages.

How to get a garden that helps sell your home

Showcasing your garden in its best possible light can not only ensure a sale, but can add thousands to the sale price achieved. Estate agents Yopa provides its top tips on what buyers want to see in a garden to entice them to make an offer.

Buy-to-let continues to fade as tax changes throw up a barrier

There were 5,500 new buy-to-let home purchase mortgages completed in May, some 9.8 per cent fewer than in the same month a year earlier. By value this was £700million of lending in the month, 22.2 per cent down year-on-year.

Rightmove: Sellers must price realistically to get properties sold this summer

Home sellers will have to cut the price of their properties or work harder on promoting them if they want to get them sold, a new report suggests. Property listing website Rightmove said a wave of fresh homes coming to market is helping to push asking prices down.

Public contacts have been shown in a negative light in recent history following the demise of construction firm Carillion, but they can still be a great way to scale your business.

As the Government lays out its road to zero, we look at what it will take to tempt us into electric cars, and how long their range needs to be for drivers to take them seriously.

No one wants to buy an electric car unless there is a convenient charging point nearby - but no company will invest in car charging points that aren't going to be used. This may be coming to an end.

How to get 2-for-1 cinema tickets with Compare the Market

The 'Meerkats Meals' scheme is available to anyone buying an eligible product through the website such as a travel insurance policy, a new credit card or loan, or switching to a new energy provider.

How much will my water bill be if I use my hose pipe every day? 

I have a water meter so pay for the water I use, therefore should I be preparing myself for a massive bill? On some days I've even used it twice to make sure my plants and lawn don't die but I am slightly worried about how this will affect my bills.

When will UK interest rates rise?

The Bank of England's Monetary Policy Committee kept interest rates on hold at 0.5 per cent, in spite of forecasts of a 90 per cent chance of a rise just three weeks ago. Policymakers voted 7-2 for a hold, with the two members who called for a rise saying that they believed there were 'upside risks' for inflation.

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?

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.

We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.

Rightly or wrongly, some people simply want a quick, straightforward route map to investing in an Isa. To that end, this is our distilled guide to getting started.

What next for mortgage rates?

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: Essential advice for property investment

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

Premium Bonds Winners

Prize Area Value of bond
£1,000,000 Suffolk £40,000
£1,000,000 South West Wales £5,000
£100,000 Hampshire and Isle of Wight £50,000
£100,000 Hampshire and Isle of Wight £600
£100,000 Staffordshire £17,000
£100,000 Oxfordshire £15,000
£100,000 East Sussex £25,000
£50,000 Devon £20,000
More July 2018 winners
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