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How to get rich... by those who've done it: Now YOU can learn the secrets to making a

Many of us long to be rich, but assume it will never happen unless we win the lottery one day. But building up a fortune is not magic — rich people do not belong to an elite money-making club that is closed to the rest of us. The truth is that many well-off individuals are simply people who have worked hard, made some sensible decisions and benefited from a smattering of good luck. And the good news is, as Richard Branson says, it’s never too late to start growing your wealth.

The UK's oldest travel operator, which served 22million customers last year, is struggling under the weight of a £1.25billion debt pile.

Grandparents providing childcare are urged to claim state pension credits

Hundreds of thousands of grandparents and other family members could be missing out on valuable credits towards the state pension worth around £250 a year in old age, new research reveals. Some 10,000 people a year who help mums and dads with childcare are now applying for the credits - a huge jump on the 1,300 who did so in 2016. But this is 'a drop in the ocean' out of the number who could benefit, according to pension giant Royal London, which obtained the take-up figures via Freedom of Information requests.

There are no shortage of cautionary tales that tell us it is better to be happy than rich, but does it matter if some people have an awful lot more money than others?

I have been testing it on the road in Spain and on the former F1 Spanish Grand Prix race track at Jarama, and it's a rather exciting and special motor that's easy to drive, forgiving and fun.

How does £48 a week for everyone in the country, rich or poor, sound to you? The idea of the state paying its citizens pocket money might sound far-fetched, but it's a possibility under Labour

Based on the most recent figures available from HMRC for 2016-17, at £10,400 a year, Leicester West has the lowest average annual pension payouts of all 650 constituencies in the UK.

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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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MARKET REPORT: Allied Minds soars after Crystal Amber reveals it has built up a stake

Allied Minds, which is also backed by fund manager Neil Woodford, invests in nascent technologies and helps to turn them into viable businesses. But the company has been struggling in recent months. It revealed in April that cash levels had shrunk, and unveiled a strategy to pause investment in new ideas for a while. The move to hunker down left some shareholders wondering what the point was in an investment firm which didn't invest. Crystal Amber will put a cat among the pigeons, however, as we understand it plans to call a shareholder vote to oust all members of Allied Minds' board. It also wants to wind up the firm and sell its remaining assets, to help return cash to shareholders.

Metro Bank has warned it could face criminal charges over an accounting error as it suffered a backlash from disgruntled investors.

The retailer, which was founded by Mike Ashley in 1982, said it is in advanced talks to sell the property and lease it back for another 15 years.

The budget airline posted a loss before tax of £272m in the six months to March 31, wider than the £68m shortfall in the same period of last year.

The real threat to Britain's supermarkets is from the untrammelled Silicon Valley giants, as anyone who listened to Sainsbury's case for an Asda merger will know.

Tchenguiz said he 'very recently' bought roughly 0.5 per cent of First Group's shares and fully supports the company's biggest investor, Coast Capital, which wants to oust most of its board.

How can I make my upstairs neighbour put carpet back down to stop noise?

I can hear people talking, walking around and anything else that goes on up there, in both my living room and bedroom - and she is letting out a room on Airbnb, which is compounding the problem. I checked our lease and it says that she must keep the floors covered, but I don’t know how I could enforce this.

With family health club membership often resembling a mini-mortgage, it might make more sense to turn part of your home into a private fitness centre.

Nicholas Rowland-Jones was told he bore responsibility for transferring money to a fraudster, but the FOS backed him after he found many similar cases to his dating back years

Applying for a mortgage is not the most straightforward of tasks, which is perhaps partly why a whopping 97 per cent of us used the services of a mortgage broker last year.

It's early days, but it looks as though B&Q; and Screwfix owner Kingfisher is taking a leaf out of Scandi furniture favourite Ikea's book with its new approach to home improvement.

Secrets of traffic officers REVEALED

Want to get into the head of what it takes to be a traffic police officer and how they operate? That's what What Car? has done in an exclusive interview with a former traffic cop who has shone some light on the day-to-day demands of enforcing the law on our roads.

It has been a torrid week for the travel industry as two of the biggest players in the UK and wider European market reported decidedly shoddy results.

There are 31 investment trusts currently yielding at least 4 per cent, with some offering dividend yields as high as 6.3 per cent.

The most - and least - reliable used cars revealed

Only cars that were between four and 10 years old were included in the results - models that are likely to be out of warranty, putting potential buyers at risk of covering huge garage bills if they turn out to be a lemon. The most reliable list contains (from top left) the Honda Jazz, Toyota Yaris and Mitsubishi ASX. The least dependable ranking includes (from bottom left) the Land Rover Discovery, Ford Kuga and BMW 1 Series.

Yulife, underwritten by insurance giant AIG, has launched an app for life insurance customers where users can earn rewards by completing levels and compete with colleagues.

The telecoms group said all 100,000 of its staff would benefit from the 'yourshare' scheme, which will start in July 2020 and continue annually, costing £50m a year.

Does my ex-partner own a part share in my home?

He has instructed a solicitor based on him saying that the only reason he moved in with me was because I said 'I would see him right re owning part of my property'. He has financially abused me for years, emotional pressure for years and I even suffered a heart attack due to the stress. I am in my 60s and can now see he has been manipulating me for years just because I own my home. Lawyer Alexandra Kenyon, of Dickinson Parker Hill Solicitors, replies.

Antonio Horta-Osorio, who has made more than £51m in eight years running the bank, works extremely hard and earns a fair amount for his work, according to the bank's chairman Lord Blackwell.

Some 73% of workers aged in their 50s and 60s feel they can share invaluable experience with colleagues, but 16 per cent say this is not valued by their employer, according to Aviva.

Are the rich getting richer in the UK and should we worry about inequality?

However you define what a richer or fairer life is, there is no escaping that a concern about inequality is one of the defining features of our times. Over the next five years a new study will attempt to answer whether it's actually a problem in the UK and at its launch a report laid bare a fascinating snapshot of Britain that shows who is getting richer.

Metro Bank has been in the headlines for all the wrong reasons, and even suffered rumours of a bank run last weekend. But nest eggs remain covered by the FSCS up to £85,000, we explain how this works.

The Serious Fraud Office has obtained freezing orders against the properties as part of its investigation into the collapse of investment company London Capital & Finance (LCF).

Four of the best paint colours to transform a new-build home

The colours are from a range of paint suppliers, including Farrow & Ball, Little Green, and Valspar. They include Bone China Blue by Little Greene, Setting Plaster by Farrow and Ball and Puttin' on the Ritz by Valspar.

Some 73% of workers aged in their 50s and 60s feel they can share invaluable experience with colleagues, but 16 per cent say this is not valued by their employer, according to Aviva.

Going cashless may be more convenient for many of us, but the move has left many who rely on cash donations worse off. Dimitris Vassiliadis of Giving Streets wants to change all that

DVLA sold 6.8m driver details to parking ticket firms last year

The number of driver details sold to private parking companies reached a new high last year, according to analysis of government figures. The RAC Foundation found 6.8million sets of vehicle keeper records were released to parking management firms in 2018 to 2019, up a fifth from 5.65million a year earlier.

With cars causing 7% of global CO2 output and Europe responsible for just 10% of worldwide CO2 emissions, a total shift to electric cars on the continent will do little to reduce the impact.

Originally it was suggested that 1,150 staff could be affected, though sources told City A.M. that it will be 500 to 550 'white collar, salaried employees' at Ford UK's headquarters in Essex.

Knock for Sale wants to help people buy houses that aren't for sale

Many people will have at some point walked down a street and thought 'I'd like to live here'. There's often just one small problem, however. None of the houses are for sale. But Knock for Sale, a new company that wants to help people buy their dream property - even if it's not up for sale - reckons it has a solution. Cards cost £5 each and prospective buyers can send multiple cards to different properties.

Almost 15 months ago, I began overhauling my investments in search of better returns and a more coherent strategy. I've done this against a background of swinging stock markets.

Rolls-Royce launches £44k champagne chest that has a CAVIAR DISPENSER

Once the chest is opened there's a light inside to guide you to one of the quad of hand-blown crystal champagne flutes, which the marque says are 'arranged to evoke memories of a V12 engine'. Costing the same as a new Mercedes-Benz E-Class saloon, the champagne chest has two ejectable thermal containers that can be used to serve caviar and canapes or chill a spare bottle of bubbly. Prices start from £37,000 before tax - so £44,400 including VAT in the UK.

While it costs the same as a house, sprints to 60mph in 3 secs and has a top speed of 203mph, it's most impressive stat is that it offers 570 litres of luggage capacity - the same as a BMW 5 Series Touring.

Over 65 and need help and support? You could qualify for attendance allowance

Low awareness of and confusion over the name 'attendance allowance' - which implies you are receiving home visits from a carer - could be putting people off, according to retirement home developer McCarthy & Stone. The firm helps its residents claim any benefits to which they are entitled. But some three quarters of the 4,000 people it has assisted over the past three years had failed to apply for attendance allowance until it informed them of its existence.

Metro, which now has 1.7 million customers, became Britain's first new High Street lender in more than a century in 2010, but the past year has been a disaster.

We switched from British Gas in November last year, but, several months later, it is still holding on to £1,745.34 of our money. In addition it has put debt collectors on to us.

'Essex Express' chatroom exposed as Barclays and RBS slapped with slice of £930m fine

Barclays and Royal Bank of Scotland are among five banks to have been slapped with a slice of a £930million fine for rigging foreign exchange markets. The European Commission's investigation revealed that some individual traders in charge of foreign exchange spot trading for 11 currencies on behalf of their banks exchanged sensitive information and trading plans. Traders involved in the rigging occasionally co-ordinated trading strategies through online chatrooms, the Commission said.

Jeff Bezos's tech firm is leading a £450million ($575million) investment round in Deliveroo, joining existing investors Rowe Price, Fidelity and Greenoaks.

At present, when a staff member joins they are enrolled into a defined contribution scheme where the firm pays up to 4.5 per cent of their salary into a savings pot which is invested in the market.

Having be unable to find a warehouse in the area to temporarily move the operation to, Ocado has decided to start a consultation process to make nearly half of the 850 workers.

Shares in troubled Metro Bank jumped by 26 per cent today after it struck a £375million rescue deal last night.

Chief exec Philip Jansen is offering the group's workforce of 100,000 a payout of £500 in shares a year It provides a riposte to the Labour plan, later modified, to grab a 10 per cent stake in every UK.

Although talks are ongoing, the sandwich chain is planning to buy either most of Eat's 94 branches or the entire business, according to reports.

Britain's biggest companies are getting richer, while smaller firms see profits drop

The UK's 40 largest companies celebrated a profit increase for the eighth consecutive quarter between January and March while the rest of the market saw theirs drop by almost 20 per cent. Is Brexit to blame and what happens when we officially leave?

At around 3.45pm on November 5, 2015, the Fundao waste dam at the Samarco iron ore mine began to leak. Despite attempts to plug the opening, the dam ruptured.

Steel Warriors, whose supporters include world heavyweight boxing champion Anthony Joshua and Scotland Yard, has been promised a multi-million-pound investment by the supermarket.

Why finding out your true wealth could help you retire years earlier

We are used to keeping an eye on our bank balance, but are we looking at the big picture? If not, you are missing the vital first step to transforming your fortune. Calculating their wealth has allowed Siubhan Reid-Litherland and Mark Litherland (pictured) to bring forward their retirement and plans to travel by five years.

Retired local government officer Jayne Tee (pictured with her late husband Bill) cancelled her holiday to Majorca after she found out she would have to pay a supplement for what she thought was a single room.

We try Simon Charles auctions that sells cheap High Street stock

The first floor of the former printworks could pass for a dishevelled furniture showroom, writes AMELIA MURRAY. Wide-screen TVs and chests of drawers are lined up around the sprawling space. Sofas are grouped together in makeshift living rooms, with dining-room tables just around the corner. In fact, the warehouse, in Stockport, Greater Manchester, is home to Simon Charles Auctioneers, whose twice-monthly Super Saturday Live Sale is about to start. The auction has been running for more than 70 years and sells more than 5,000 lots each week. It is 9am, and eagle-eyed shoppers have an hour to inspect what's on offer before the bidding begins. Pictured: Chairs costing £600 which were bought for £55 (left), a microwave that retails for £110 but sold for £33 (top right), and a Samsung washing machine, which retails for £419 but sold for just £46 (bottom right).

Best easy access savings rates

Savings rates have been low for a long time but over the past nine months or so, they've been even lower than usual - and that, in spite of the rising base rate. But since the start of May, Beehive Money, Post Office Money and Sainsbury's Bank have all either launched or increased rates on their easy access accounts.

Many bonds reinvest your interest at the end of each year, which is advantageous as you earn more over the term, thanks to the compounding effect. But some banks will not let you do this.

Coventry BS now pays 1.5 per cent on its Easy Access Isa (Online) (2), matching the rate on Marcus by Goldman Sachs's ordinary easy-access account.

Is the winning streak for US shares ending?

Having outperformed all other major markets for most of 2019 - not to mention being in the longest bull run in American history - investors in some quarters believe the US stock market's winning streak could finally be due to end. The US stock market matters a great deal to British investors. Not only does it make up about 55 per cent of the global index, but where the US market leads, others tend to follow.

For years, solo travellers have been penalised with extra fees. It is particularly cruel for those who have been recently widowed and are just trying to get on with their lives.

How to invest to beat inflation: Rathbone's David Coombs

Investors have no shortage of choice about where to put their money to work nowadays, but narrowing that abundance of opportunities down is tough. We talk to David Coombs, of Rathbones, who sifts through the world's investments to find the pieces of the jigsaw needed to deliver good and reliable returns for investors.

THE INVESTING SHOW: IDEAS TO MAKE MORE OF YOUR MONEY

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Car insurance is cheaper with 9 points than zero no claims

Motorists who are one step away from a driving ban could be paying less car insurance than drivers with zero no-claims discount, new research has revealed. Insurances quotes were on average nearly 10 per cent cheaper for a typical UK driver with nine points on their license for speeding or other transgression, compared to those who have a no-claims discount, according to data from Vantage Leasing.

The rules of the Lifetime Isa mean that under-40s can save up to £4,000 a year into a tax-friendly account, and the Government adds up to £1,000 on top of that.

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.

Best stocks & shares Isas: Pick the best DIY investment 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.

When will UK interest rates rise?

Lower than expected inflation figures have added weight to expectations that interest rate rises will remain on hold throughout most of 2019. This combined with the Brexit extension is forecast to keep monetary policy steady, with rates held at 0.75 per cent. While unemployment is low and wages are rising, there are still concerns over Britain's consumer economy and business investment being stalled by continuing Brexit uncertainty.

Best mortgage rates: Compare fixed rate and tracker rate mortgage deals

The average two-year fixed rate mortgage rate has crept up by 0.13 per cent in the past month, possibly showing the first signs that the ongoing price war between lenders is drawing to a close.

Ten tips for buy-to-let: Essential advice for property investment

Buy-to-let is much tougher than it once was. 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 Kent £3,000
£1,000,000 York £5,000
£100,000 Central Scotland £20,000
£100,000 Kent £2,500
£100,000 Cornwall £5,000
£100,000 Kent £5,000
£100,000 West Scotland £5,000
£50,000 Kent £37,000
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