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I was self-employed and paid NI so why don't I get a full state pension?

Since my retirement in 2015 at the age of 65, I've been somewhat perplexed at having my state pension downgraded by £30 per week due to the fact that in 1987 I took out a self employed pension. Even though I have a record of 50 years of NI contributions yet my pension is still reduced. I feel that over the years I've done the right thing. The Department for Work and Pensions decision irks me very much.

Do more accounts make you a savvy saver? My present is littered with savings accounts past because I’ve opened them to benefit from a great introductory offer, only to lose it after a year.

Fibre broadband: Internet speed and the best broadband deals now

There is often confusion over which type of broadband is really the fastest and how much speed the average person really needs to power their internet. Standard copper broadband is often no longer sophisticated enough to handle the public's ever increasing data download needs, but are you one of the people who would be better off with fibre broadband and how fast do you need to go?

People who have transferred large sums of money to fraudsters have faced never seeing it again (Dominic Lipinski/PA)

The code will give people better protection against so-called authorised push payment scams, where people are tricked into transferring an estimated £350million a year

Some 23,000 customers were left in the lurch last week as Tesco Bank announced it was exploring the sale of its mortgage book after ceasing all new lending.

Across Europe, the 30 per cent of the vote landed by Eurosceptic and anti-establishment groups, such as the Greens, will change the chemistry in Brussels.

Student Ina Swann and six classmates are launching Accomplish, aimed at helping graduates with career and money advice. We ask her what she thinks young people want to know about finance.

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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: Sterling in the doldrums; Travelodge to open 17 hotels

As investors digested the European election results after after leaving their screens for the long bank holiday weekend, the pound remained in the doldrums, trading at about $1.27. In company news, Travelodge is planning to open 17 new hotels this year, an investment that will cost it around £115million. And housebuilding giant Bovis Homes has confirmed it is no longer in discussions to acquire rival Galliford Try's housing business, after an offer worth £1.05billion was rebuffed last week. The FTSE 100 closed down 9 points despite a commodity rally.

The company slumped into administration earlier this month, but Quantuma has launched a CVA in a bid to bring it back from the brink and prevent it from disappearing from UK high streets.

Bovis submitted an offer of £950million for its competitor's Linden Homes and Partnerships & Regeneration businesses on 8 May with the assumption of taking on a £100million debt as well.

The troubled five-a-side football pitch business confirmed that its 2018 results would be dented by its VAT misdeclaration, and added that its 2019 performance would be 'materially' lower too.

Uniting Italian-American Fiat with French giant Renault would create the world's third-largest car company, behind only Volkswagen and Toyota. It would have an annual turnover of £150 billion.

Underneath a whimsical exterior lies the research HQ of Chinese telecoms giant Huawei in Dongguan. The unique campus was dreamt up by billionaire founder Ren Zhengfei.

Earn money from stock photography - Stockimo app launches

Stockimo, owned by stock photography site, Alamy, allows users to contribute photos taken on their smartphone to the app, which can be of anything and everything, from selfies to pets and holidays to food. One lucky contributor even managed to snap up £2,780 on a sale - not bad for a single iPhone snapshot.

Simon Crookall, who founded Gumtree alongside Michael Pennington in 2000, and his sister Joanna of investment firm Ramsey Crookall, have set up InvestEngine.

The UK's 25 highest-paying firms and average salaries revealed

Glassdoor found the UK's highest paying companies are offering staff between £61,000 and £90,000 as a median total compensation package, including base pay plus bonus. The list is dominated by tech and finance firms including, clockwise from top left, Credit Suisse, SAP, Facebook and Deutsche Bank.

The pair founded Revive Eco, an environmentally conscientious outfit that deals with coffee waste by converting used grounds into a natural oil product that can be used by a variety of industries.

This is Money, with help from MTC, busts the myths surrounding what pre-existing medical conditions you should disclose when buying travel insurance.

Want one-off financial advice? What do you get and how much does it cost?

Many people could benefit from one-time help over some aspect of their finances, and this need not tie you into a long-term relationship with an adviser. Paying ongoing fees is not compulsory, and unless you are getting a substantial level of ongoing help in exchange each year, might not be value for money. It's perfectly acceptable to ask an adviser for expert assistance on a particular financial concern, agree between you it will be a single transaction, pay up, and walk away.

It has issued 'sustainability bonds' to spend on marketing the Fairtrade brand and distribution. The bonds, paying annual interest of 5.1 per cent, will raise money for ethical causes.

The firm has 4 million customers, and between 2015 and 2018 had 171 claims made against it. That compared to 82 complaints about Monzo, its rival.

Five UK homes that cost less than £50k to buy

The average home in the UK costs more than £200,000 but it possible to buy one for a quarter of that - although it's likely to need some work. Among the homes we found was one on the Orkney Islands, bottom right, the area was named as the best place to live in Britain by the Halifax quality of life survey earlier this year. Other locations include clockwise from bottom left, Doncaster, Northumberland, Rotherham and Middlesborough, inset.

People aged 18 to 34 are more likely to move to a smaller home than the elderly. A survey found 12 per cent of young people expect to downsize their home this year, compared to three per cent over 55s.

With average council tax bills leaping by an inflation-busting 5 per cent in the financial year just begun in April, it is more vital than ever to check you are not paying too much.

Sage of Omaha has made £65bn...here's how to learn the art of Buffettology!

There is probably no more successful investor living on planet earth today than Warren Buffett. Although now aged 88, he very much remains a cult figure among investors - not just in the United States but worldwide - as a result of his wonderful eye for picking long-term investment winners. An eye that has remained focused for nigh on half a century. Razor sharp. Eagle like. Earlier this month, some 40,000 shareholders flocked to the annual general meeting of Berkshire Hathaway, the company he has run since 1970 and through which he makes his astute investments.

Ever since Royal Mail was floated, the group has pinned its hopes on parcels and productivity. So far, those hopes have proved misplaced.

It was floated on London's junior market in 2016 at 70p a share. The stock shot up to more than £3 by April 2017, but has since drifted down to £1.61. This is unjustified and the shares should rebound.

TONY HETHERINGTON: How can  muggers at Global Spread Exchange sleep at night?

I was contacted by a 'David Green' and was persuaded to invest £500, having been told that his company is approved by the Financial Conduct Authority. Later, a 'Blake Crawford' rang to say he had made £245 profit for me and urged me to invest a further £1,000. I told him I would not add to the £500, though other people have since called from the company with the same request. Now I find I cannot contact them.

No one should have to pay for an honest mistake' - runs the tagline on TSB's new fraud refund guarantee. But the promise has proved hollow.

Dancing On Ice helped save finances of skier Chemmy Alcott

The show transformed Alcott's finances and allowed her to represent Britain at the 2014 Olympics in Russia, just three years after injuring her leg so badly she was left unable to walk. Now 36, she lives with husband Dougie Crawford, who is British ski champion, and their two sons, two-year-old Loki and four-month-old Cooper. She is a founding member of Sistr, an online platform that enables professional businesswomen to network, offer advice and mentor each other.

NatWest has removed one of three cash machines outside my local branch, another sign that banks are keen to move us to a transactional world where contactless and card payments rule the waves.

Figures show the challenger bank drew £3.8 billion from the BoE's Term Funding scheme, which was intended to boost affordable loans to families and businesses.

How to review your investment portfolio... and make it BLOOM

With gardeners now out in force caring for their beloved trees, plants and lawns, investors could do worse than take a leaf out of their book - and apply similar techniques to neglected share and fund portfolios. The basics include weeding out persistently poorly performing investments and sowing the seeds for new, hopefully profitable, ones. Pruning is also important - taking profits, for tax-efficient purposes. And for those who need income, it is sensible to select investments that will bloom often to provide the dividends required. Here's how to keep your portfolio in tip-top shape.

Michael O'Brien and Sandip Patodia will run it. Smith also said the trust's annual charge would be reduced from 1.25 to one per cent. The trust's performance has certainly been disappointing.

Investment manager Powe set himself an ambitious target when he took over at the helm in 2014: to generate average annual returns in the region of 10 per cent. He has proved his doubters wrong.

Will the mortgage price war cause trouble? This is Money podcast

Tesco Bank has ditched mortgages, while a string of other smaller players have shut their doors in recent months, and building society behemoth Nationwide issue its own caution on home loans this week? On this week's podcast, we dive into what is currently a weird world of mortgages: where a greater supply of money to lend than demand to borrow means there are some very cheap deals on offer.

How Metro Bank chief Craig Donaldson cashed in a quarter of his holding

The boss of troubled Metro Bank pocketed £2.5 million when he sold a large chunk of shares before the stock price tanked over fears about its future. Craig Donaldson flogged 63,000 shares, or around a quarter of his holding, for 4017p each on March 8 last year, records show. Two days earlier, the stock had hit an all-time high of 4040p. It has since crashed more than 80 per cent to 752p, driven lower by a major accounting error which had led to questions over Donaldson's credibility.

It said customers are turning to its products out of concern for the environment and reported sales last year of £220 million and profits of £27 million.

Marc Meyohas said his company, Greybull Capital, should not be blamed for the failure - which has put 25,000 jobs at risk - and that he had done everything possible to keep it afloat.

Garth Ritchie is reportedly concerned about changes at the German lender proposed by new group chief executive Christian Sewing, which include radical cuts to his division.

The aerospace giant makes engines for large planes and military aircraft. But it is involved in three small projects and is looking at hybrid and all-electric design options to power bigger jets.

Savers misled by wrong state pension forecasts that leave plans in tatters

A This is Money investigation has revealed a string of incorrect forecasts sent to people now facing a poorer retirement than they expected. These cases point to a systematic failure, with potentially many more savers affected who haven't realised yet. Sandra Irving, pictured left, has been told her record puts her state pension at around £22 a week less than the original figure she was given - a possible shortfall of nearly £23,000 over a typical 20-year retirement.Colin Murray, top right, and Vivienne Young, bottom right with husband Phil, are also affected.

Of all the taxes we have to pay, inheritance tax is perhaps the most hated, despite the fact only a minority of estates pay it. But if you are worried about IHT, it can be avoided.

When it comes to investing your money, there is almost too much choice. So who better to help than those who have made spotting money-making opportunities their full-time job?

Mazda 3 scores highest crash protection rating EVER in latest tests

Euro NCAP, the body that rates new vehicle safety, rewarded the Japanese car a 98 per cent adult occupant protection score - that equals the top mark recorded for just three other new models. Following the assessments the crash test body said: 'Dummy readings showed good protection for all critical body regions of the passenger.'

Citizens Advice has called for a new 'smart' charging scheme that would reduce the impact on nation's electricity supply by rewarding plug-in car owners with cheaper tariffs at unsociable hours.

Brent crude fell to around $67 a barrel last night. This mirrored a fall in stock markets - which have been battered by the escalating trade tensions between America and China.

How can I buy a home with a small deposit but not Help to Buy?

I've started saving for a deposit, but unless I win the lottery, it's unlikely I'll have enough money together to put down a deposit for at least five years. My friends have bought using the Help to Buy scheme, but this is ending in 2023, and I know I won't have the money saved in time. What other options will I have for getting on the ladder with a small deposit?

For generous parents and grandparents who want to lend a helping hand, there are many ways to boost youngsters' finances. The earlier you start, the longer you have to build up a nest egg to pass on.

The likes of Monzo and Starling may be gaining thousands of customers each quarter, but customers don't yet appear ready to fully trust the challengers, according to a new survey.

Should I tap my pension or leave it alone in all the political upheaval?

This is Money columnist Steve Webb explains what pension investors should consider when deciding their strategy in times of political turmoil. 'The very fact that you are asking the question suggests to me that you are rather uncomfortable with uncertainty,' he tells our reader.

With a population of around 1.4 billion, and an average growth rate of 7.6 per cent per year since 2005, India's potential is enormous.

Seven out of 10 over-55s have not set up lasting power of attorney, according to Zurich. A financial LPA allows people you have selected to manage your money if you become incapacitated.

On your side? Nationwide hacks 0.5% off savings rate for children

We recently received a letter from Nationwide, after the thinnest of apologies it said the rate on my daughter's account would be hacked back from 2.5 per cent to 2 per cent. It then goes on to mention another children's savings account, which some digging reveals should pay the same or more - except all there is not as it seems either.. So, why on earth would you mess with children's savings like this?

Dementia is a devastating condition for sufferers and the family members who care for them. Hargreaves Lansdown's Sarah Coles offers tips to help people make money decisions and pay for care needs.

Loot, which claimed to have 212,000 customers, encouraged people to load money onto a prepaid card and then managed their finances through its app.

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
More May 2019 winners
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