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Can I blow some savings on a world cruise to avoid future care bills?

If I am forced to go in to a home before I die, will my £22k life insurance policy be taken into account regarding repayment of care costs after my death? If this is the case, I might as well spend my savings on something like a world cruise before I get too bad in order to reduce my assets to around £14,000 plus funeral costs.

The reports of buy-to-let's death have been greatly exaggerated. That is the view of one of the few professional residential property fund managers in the UK. Is he right?

Cities that are geared up for cycling are attracting an ever increasing number of buyers

Cycling veterans Sir Chris Hoy and Chris Boardman are on a mission to make our cities bike-friendly. Hoy, 11 times a world champion and with six Olympic gold medals to his name, wants cycling to be at the centre of decisions about London's transport and neighbourhood improvements. 'You need to consider every junction and intersection; how, as a cyclist, you get from this side to that side safely, using other nations and cities as an example,' he says.

The Government will unfairly condemn many mums and dads to a poorer retirement if it doesn't respond to our campaign and give back their lost state pension credits.

An independent review of new online mortgage adviser, Dashly, suggests some rivals are clearer about what they offer than others and perhaps we shouldn't trust every smart claim.

'Investors will ultimately be assisting those who may have been wronged by banks, institutions or individuals, according to Rob Rutter, of Just, which has launched a five-year bond.

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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).

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FTSE LIVE: Easyjet profits lift; Elon Musk accused of fraud; Consumer confidence slips in

The FTSE 100 closed down 35.24 points at 7510.20 and the pound was at $1.31 against the dollar. Easyjet is set to deliver a bumper rise in profits this year as it shrugs off industrial action and its bottom line benefits from the woes of rivals. The Securities and Exchange Commission has filed a lawsuit against Tesla's idiosyncratic chief executive Elon Musk, accusing him of securities fraud.

Legal & General is just one in a string of shareholders claiming they will vote against Unilever's plan to ditch its UK office and relocate in Rotterdam.

S4 Capital's share price was up by around 1.5% in early morning trading, with the billionaire former WPP boss claiming the listing heralded a 'new era.'

In its latest trading update, the airline said it expects profits for the full year to come in between £570million and £580million, marking a jump from the £408million it booked in 2017.

Royal Bank of Scotland, which has closed 1,423 branches since it was rescued by taxpayers a decade ago, will run Bo over the internet.

It has been an eventful six months in the supermarket industry, as the sectors' second and third biggest players proposed a merger, and Tesco launched a new discount chain, Jack's.

We need an electric car that's a modern day GTI

Peugeot has unveiled a concept that it will probably never make, but like the Honda Urban EV revealed last year, I think it epitomises the key to electric cars winning the public's heart. We need small, relatively affordable, fun-to-drive electric cars that create the 21st century version of the classic GTI - to hit the sweet spot where a reasonable price meets desirability.

Running cookery and baking classes for the over-60s sounds like teaching granny how to suck eggs. Yet that is what is happening in retirement villages countrywide.

These are the motoring awards caravanners wait for eagerly every year, with this being the 36th edition of the industry's major towing honours. Find out which other models were winners.

Santander launches new payment process to fight rise in APP payment scams

With scams on the rise, banks are coming up with various Santander has launched a new payment process which it hopes will warn customers to be vigilant when parting with their hard earned money

Top 10 most expensive UK streets in 2018 revealed by Zoopla

There are now 17,289 streets in Britain where the average house price is at least £1m, and Reading has been named the town with Britain's most expensive streets - 242 of them where the average property is valued at more than one million pounds. It is the latest evidence of Britain's growing number of property millionaires despite concerns about the health of the housing market amid stamp duty woes and Brexit uncertainty. Top of the list is Kensington Palace Gardens, in London, which has been named as the most expensive street in Britain every year for the past decade.

Kew Gardens 50p fetches £400 while Five Guinea mint sells for £155,000

A William III Five Guinea sold for a surprising £155k after it was estimated to only fetch between £35-£45k. Kew Gardens gold and silver coins also faired well at the first ever Royal Mint auction that took place in Mayfair, London on 25 September

Steven Vallance, 44 and from Essex, was forced to liquidate his cleaning firm after fraudsters cleared his personal and business accounts of £31,000 - a fraud which started with a text.

Drivers in the capital are charged on average £821 for a cylinder head gasket replacement. The same job is £202 cheaper for motorists who live in the West Midlands, a study reveals.

Fleeced on their lease: Families hit with soaring ground rent

Andrea and Roi Millward (pictured with their children Sienna and Isaac) are struggling to sell their their Merseyside home after being told the leasehold had knocked £42,000 off its value. Jo Darbyshire (top right) faces a bill for tens of thousands of pounds to buy her freehold and escape soaring ground rent. Meanwhile Kevin and Jeanette Sephton (bottom right) pay £200 a year in ground rent, but this will double to £400 in 2025. They also pay a £100 annual service charge for estate maintenance.

When Clive Allen needed work done on his four-bedroom Victorian property he found a company vetted by the UK's largest professional body, the Federation of Master Builders.

The firms snapping up freeholds admit these have become increasingly valuable because they are viewed as a 'secure investment' by pension funds.

Tempted by tax-free cash from a pension? I was... then did my sums 

With my 60th birthday looming next March, I have pondered whether to take some tax-free cash when my pension kicks in. I am lucky enough to have a salary-based pension from my years as a full-time employee. But I also have private pension money in the stock market from my freelancing years. And I'm not alone.

Experts say the move is already sparking some competition among other banks and building societies, who have done little for savers since the interest rate rise last month.

The regulator's survey on complaints handling found that a whopping 57 per cent of customers were unhappy with how their complaint had been dealt with and has now opened compliance cases.

The phone insurers who won't pay out if you have friends over

With handsets costing up to £1,450, one in ten now insures their device against theft, accidental damage and faults. But if you have cover, your claim could be refused for dozens of reasons. These could include not keeping your mobile within arm's reach at all times, allowing rain or a washing machine to damage it, or losing the device after drinking alcohol.

The cost of living rose from 2.5 per cent to 2.7 per cent in the year to August, government figures revealed last week. It means that only one in every 100 accounts matches or beats inflation.

National Savings and Investments has cut the rate on its popular Direct Isa to 0.75%, despite a base rate rise last month. So where can savers move their cash for a better deal?

Car dealers charging up to £180 to check if cars have a fault

Checks, which require the mechanic to plug a computer into the car to identify if there is a problem and what it could be linked to, take as little as 30 minutes - but some brands want up to £180 each time one is done. The average quote for a diagnostic check on a car at franchised dealers as part of an industry investigation was £102. The same check carried out at a Halford's Autocentre costs £49.99.

Britain's biggest building society has written to nearly seven million savers to inform them that if they hold a variable rate account, they will no longer be sent this annual letter.

Citizens Advice research found about four million people with contracts keep paying for their handset for six months after their minimum contract term has expired.

Millionaire behind Amigo Loans buys Bestival festivals for £1.1m after threatening

he millionaire behind Amigo Loans has bought the Bestival and Camp Bestival music festivals, days after threatening to put them into administration. James Benamor, 41, lent the festivals £1.6 million last year, but issued administration notices in the High Court last week.

It comes days after rival Thomas Cook's shares plunged 28 per cent after it warned profits would be lower this year as warmer weather meant holidaymakers delayed trips.

The lender allegedly ignored a request by investigators to speak to Lloyds staff member Sally Masterton, author of a bombshell report about a criminal bankers who were later sent to prison.

MPs have called for an overhaul of the rules governing polling. It follows an outcry over mega-rich investors who paid for research on the mood of voters as the EU referendum approached.

Unilever investors face a crunch vote on whether it should ditch its British legal headquarters and base itself in the Netherlands alone.

MARKET REPORT: Peppa Pig film release in China sows more seeds of success for

Investors cannot get enough of Peppa Pig. In a steady-as-she-goes update to the stock market, Entertainment One, the media company that owns the pink cartoon porker, signalled the outlook was rosy. It is hoping for another boost from the release in China of a Peppa Pig film early next year, which will be just in time for the Chinese Year of the Pig. There was little movement in the share price before they suddenly sprang into life in afternoon trading, finally closing up 9.1 per cent, or 34.8p, at 417p. Drugs company Indivior has continued to tumble after sneaking out a business update saying its revenue could be hit by more than £100 million. The FTSE 250 pharmaceutical firm has been embroiled for months in a court battle with Indian competitor Dr Reddy's Laboratories, over a drug called Suboxone Film.

Saga's Possibilities programme offers concert and theatre tickets, and deals in shops. The idea is to keep members coming back, and to sell them other products.

Work is under way, but bosses upped costs by £450 million this month and are in talks with banks, and seeking financial backing from the Government.

England's biggest wine producer Chapel Down looks to open a gin bar and restaurant in

Chapel Down, which supplies sparkling wine to 10 Downing Street, has expanded its field of products in the past two years with a beer and cider brand Curious, as well as launching a range of spirits, including the popular Bacchus Gin last year.

Goldman Sachs has launched an Instagram account. Presumably this is an attempt by the once insular Goldman to 'reach out', as our friends in the former colonies say.

There are many tracker funds which follow the FTSE Emerging Index, and money from those will flow to Chinese companies which make it on to the index.

ASK TONY: Green Star Energy sends me bills but I'm not a customer!

I applied to change my electricity provider to Green Star Energy in June last year. A couple of days later, well within the cooling-off period, I changed my mind and wrote to cancel my request, saying that I wished to stay with Southern Electric. Since then, I have received bills from Green Star and am at my wits' end as to how to make the firm understand.

Figures reveal the scale of the fraud epidemic. In the first six months of the year £145million went missing - almost £1million a day and 50 per cent more than in the same period of 2017.

A 'shockingly low' number of fraud reports are being successfully cleared up as authorities fight a losing battle, according to data from a consumer watchdog.

Buy-to-let's not dead yet: Property fund manager on where he's investing

Buy-to-let has suffered a battering over the past three years but some maintain the private rented sector in the UK is worth investing in still. It all depends on how you do it. We asked Hearthstone fund manager Alan Collett - a professional buy-to-letter - about his strategy for making buy-to-let work amid the challenges facing the sector. Here's what he said.

Debenhams is gambling on gin-and-tonic bars, make-up tutorials and X Factor-style auditions to recruit staff in an attempt to overcome the crisis gripping the High Street.

The Highways Regulation 1999 states that all speed humps must be no higher than 100mm. If one is, drivers can make a claim for compensation from the responsible council.

Mark Mobius on why he still believes in emerging and frontier markets

Emerging and frontier markets represent the best opportunity for investors to profit over the next five, 10 or 20 years, according to Dr Mark Mobius. As a veteran emerging markets investor, he admits that he is 'a little biased', but that it is all about the potential growth and countries where the news is bad merit special attention.

Can you guess the price of these two-bed homes for sale? Take the quiz

A two-bedroom property remains a firm favourite for many of Britain's home buyers, whether it is a flat or a house. But depending on where the property is, the price tag can vary enormously, as our quiz below shows. Try our quiz below and put your property-price knowledge to the test by finding out if you can tell which of these homes are the most expensive. We've picked 10 two-bedroom homes for sale that stretch across the country, including ones in Wales and Norfolk.

Despite the 0.25 per cent increase to the base rate in August, average two and five-year fixed rates for those with a 5 per cent deposit are now at their lowest ever.

Taylor Wimpey launched a £130m redress scheme last year to fix the damage of the ground rent scandal it helped create. By July, just £11.2m had gone to helping customers.

Should you buy a property in Andermatt and what's the skiing like?

Regulations including Lex Koller, a law which restricts foreign ownership of Swiss property, have discouraged international buyers from investing in Switzerland. But a deal between Egyptian businessman Samih Sawiris and the local Swiss government means foreign buyers have a window to invest penalty-free. Sarah Davidson found out how and why it is being promoted to British investors

While insurers don't set their prices by the contents of your social media page,
that doesn't stop them from snooping on your Facebook, Twitter, and other social media.

Under the firm's new 'self-service reward' scheme, customers on its fixed-rate tariffs will get a £15 a quarter discount from their bills so long as they don't make any phone or email contact with the firm.

How much can I save in a pension tax-free and what is the lifetime allowance?

How much can I save into a pension tax-free? I understand that the lifetime allowance is £1million, but how likely am I to hit that? Please would you explain how the lifetime allowance operates and when is my defined contribution pot assessed against the LTA?

Challenger bank, Al Rayan, has launched two-new fixed rate bonds, giving it a near clean sweep of best buy rates in This is Money's independent savings tables.

A new scheme has saved £500m of cars from the crusher in the last decade

The CrushWatch scheme has liberated £544m worth of motors from the clutches of the compacter after they'd been confiscated from uninsured motorists by the police. Last year alone nine Lamborghinis and a Ferrari 458 (like the one pictured) were all rescued from the compacter.

While supermarkets are cutting the price of unleaded across the UK, diesel drivers won't be given a respite from sky-high fuel costs. And with oil prices at a 4 year high, cuts are unlikely to last.

Energy giant ScottishPower insists a 'systems error' was the reason why it suddenly reneged on a cut-rate deal to customers. Louise Zucchi (pictured) alerted us to this.

Four big new investment trusts including Terry Smith and Mobius

We run the slide rule over the offerings from Terry Smith, Mark Mobius and others. Each trust is given a subjective rating - with five gold coins being the highest. Shares in the funds will trade on the London Stock Exchange and the aim will be to make money for long-term investors - and, of course, the managers themselves. But the investment strategies they are employing are as different as chalk and cheese.

Andy Bell is a dark horse who could well be on the verge of emulating the success of Peter Hargreaves, co-founder of FTSE 100-listed investment business Hargreaves Lansdown.

Run by well-known investment firm Baillie Gifford, Edinburgh Worldwide aims to grow savers' money by ploughing it into companies around the world.

Games have become more sophisticated and more diverse and Sumo Group is ideally placed to take advantage of this trend.

Provided two shareholder votes go the right way in the next couple of weeks, investment trust Standard Life UK Smaller Companies is going to get a lot bigger.

The top 20 fastest growing areas for new housing across the UK over the past 7 years

It's a common argument across the land - just how many new builds have shot up in your area in recent times, perhaps causing traffic havoc or putting a strain on local services. But whereabouts in Britain are the most amount of new build homes really popping up - and is it the South East seeing the biggest surge of homes? A new report by the Royal Mail has revealed the answer. Topping the list with the highest percentage of new homes going up is Tower Hamlets. The London borough came first in a list of 20 areas with the highest percentage of new builds, seeing a 14% increase over the last seven years.

Noel Edmonds, who is spearheading a campaign against malpractice by lenders, is backing calls by MPs for action in the wake of scandals involving banking mistreatment.

The 20 popular 68-plate new cars with the biggest discounts in September

After huge discounts on new cars in August, car buyers are being told they can still secure tidy savings on some popular models before September ends. This includes deals on brand new 68 registration plate models like the Nissan Qashqai, Seat Leon and Skoda Kodiaq, all of which are being offered with more than £4,000 off.

Traditional saloon car sales are on the slide. Even Ford is reportedly about to dump the iconic Mondeo as the buying public goes SUV crazy. But Peugeot is defiantly bucking the trend.

Petrol and diesel pump prices hit new four-year highs this month but a decline in wholesale costs have raised the likelihood of a supermarket price war

Can my mother leave me her house and disinherit my siblings?

My mother does not want my sister and brother to have her house as they inherited from my father, who she divorced, and who disinherited me. How does she do this so that if my sister and brother contested this they would not win? They each inherited £900k from my father's will so they would have money to fight me on this. Neither my brother nor sister now speak to my mother. Lawyer Gary Rycroft, pictured, replies.

I got caught out with my purchase of a computer hard drive costing £164. I later needed to return it to the manufacturer under warranty, but it turned out to be counterfeit.

Tesco's new discount chain 'Jack's', which opened its doors to customers today, was trumpeted as the supermarket's answer to fast-growing cut-price grocers Aldi and Lidl.

How much money do I need to save for my pension?

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?

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.

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?

The Bank of England hiked the base rate to 0.75 per cent in August. However, several weeks later and mortgage rates for borrowers taking a new deal remain near record lows and house prices are rising in most parts of the country. That means this could still be a good time to get a mortgage.

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 tips

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