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Should we give our house to our children to avoid care fees?

A couple in their 70s ask if they should pass on their home to their children. This is Money columnist Steve Webb says councils are on the look-out for anything that looks like you artificially 'deprived' yourself of capital to avoid care fees. He says there are other things people can do that would be less open to challenge to help reduce the impact of future care bills.

NEW Assistant editor Lee Boyce and broadcaster Georgie Frost are joined by the Seagulls chief executive, who has previously been the FA and Tottenham Hotspur.

Does opening the loft hatch help lower the temperature indoors? 

Each year, as the warmer weather rolls around, the master bedroom of our home becomes extremely hot, even with windows open. I have started to open the loft hatch in our three-bedroom house, the logic being that the hot air has somewhere to escape - but I don't know if it is really helping. Is it a good idea? Can you suggest any other ways to cool down the room by a few degrees - do fans really help, for example? Any tips greatly appreciated for a more comfortable night sleep!

Despite continuing political uncertainty, the average asking price of a home in the UK stands at £309,348 - just £91 below the peak of £309,439 seen a year ago, according to property website, Rightmove.

I know Agent Million visits people to tell them they have won the £1m Premium Bond jackpot and have my fingers crossed that one day it is me - when would the news be delivered?

NEW London currently has 2,100 public plug-in points at 1,200 locations spread over the city. It means the city's infrastructure will need to expand by more than 2,300 per cent over the next six years.

Terry Smith (pictured) and Nick Train together pocketed up to £81.2 million. And Neil Woodford, who was similarly adored before a meltdown, is entitled to a £23.7 million dividend.

EDITOR'S DEALS OF THE WEEK
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 slides; Babcock rejects Serco bid; Kier to shed 1,200 jobs

The FTSE 100 closed up 0.16%, or 11.53 points, at 7,357.31. Meanwhile the pound was worth less than $1.26 as the battle for PM rolls on. Shares in Neil Woodford's Patient Capital investment trust are on the slide again as the cloud over the fund manager looms large still. Aerospace and defence giant Babcock has confirmed it received a merger approach from Serco in January, but rejected the proposal due to its lack of 'strategic merit'.

Shares in Kier - which hit a new low on Friday after reports the group had sounded out advisers on the possibility of selling its Kier Living division - fell 10 per cent in morning trading.

The company said it would scrap its dividend for last year and that its annual results, due on 27 June after a delay, would show 'exceptional' costs of £32.6million.

Huawei's founder says overseas smartphone sales have tumbled after US pressure on the Chinese firm

Huawei founder and CEO Ren Zhengfei made the announcement the Chinese telecoms giant's overseas smartphone sales had plummeted at headquarters in Shenzhen.

Its ticker symbol - DXRX - tells you all you need to know about the business. DX is the industry abbreviation for testing and RX the shorthand for treatment.

The engineering company, which has worked on all of the UK's nuclear submarines, said it turned down an 'unsolicited and highly preliminary proposal' from Serco in January.

Number of people with problem guarantor loan debt doubles in two years

A record number of people are heading to debt charities with help over guarantor loans - including Emma, pictured, who paid back £23k after borrowing £10k from Amigo Loans. Tonight, a BBC Panorama documentary takes a look at the industry and its high rates of interest.

Why WAS fallen fund giant Neil Woodford allowed to invest in firms run by his circle of

Beleaguered fund manager Neil Woodford faced questions last night over whether potential conflicts of interest and longstanding personal ties across his now crumbling empire contributed to the crisis that has engulfed thousands of savers. Analysis by The Mail on Sunday found that a number of the stock picks that Woodford made can be linked to individuals from the fund manager's close circle of associates.

Why Barnardo girl Esther McVey, who tried to become PM, keeps her savings locked away in

Defeated Tory leadership candidate Esther McVey would drastically reduce Britain's foreign aid budget so she could spend extra on schools and the police if she became Chancellor of the Exchequer. McVey, MP for Tatton, who was knocked out in the ballot to find the next PM last week, earned a six-figure sum before she became an MP. She keeps all her savings in the bank because she is aware a career in politics is 'precarious'.

Natalie Ceeney is the author of the recent 'Access To Cash Review' report which highlighted the dangers of the country's relentless march towards a cashless society.

Gillian Guy says Citizens Advice has found it is more likely to be vulnerable and older people who are less likely to know they are paying more than they should be.

TONY HETHERINGTON: Pet passport firm should be in the dog house 

One reader wasn't impressed with the service they received from a company in Slough called Passport for Pets. The firm refused any refund after their dog was diagnosed with thyroid cancer.

What many people do not realise is that the majority of website providers siphon off some of the hard-earned donated money to pay for running the business or to make money.

This type of insurance pays out to you if you can't work due to an injury. It doesn't pay you out a lump sum - instead it will provide a monthly income until you return to work or retire.

Yes, they're racy - but could these enterprise investment schemes rev up YOUR pension?

The enterprise investment scheme is as risky as a swim in a tank of piranhas but a clever (and legitimate) way of sheltering income from the claws of Philip Hammond. The scheme is certainly an option for those who have already accumulated a pension that in value exceeds the so-called lifetime allowance.

Last week, Mother exploded again, but this time her ire was directed at the BBC. She is one of the 3.7 million 'over-75' households who next spring will lose their right to a free television licence.

The City regulator tomorrow launches the last leg of a campaign that encourages people to claim compensation for mis-sold PPI before the August 29 deadline.

MIDAS SHARE TIPS: The diagnosis? Renalytix is a healthy investment

Neil Woodford's interest in early-stage healthcare firms was once widely praised. Now he faces fierce criticism for his selection, not least because many of them are not even quoted businesses. But Woodford's troubles should not infect sentiment towards the entire industry. Some stocks are going from strength to strength and should continue doing so. AIM-listed Renalytix AI is a case in point. Priced at £2.40, the company focuses on kidney disease, which has become an epidemic, affecting more than 850 million people around the world. In many cases, however, sufferers do not find out they have the disease until it is at an advanced stage. This is deeply unpleasant for those affected, often resulting in dialysis or transplants. But kidney disease affects different people in different ways. Some can live with it for decades. Others suffer from a progressive version, which becomes chronic within a few years.

Midas recommended Creo, based in Chepstow in South Wales, in December 2016, when the shares were 81p. Today they are £1.94 and brokers believe they have significantly further to go.

Just five years ago, the Neil Woodford left Invesco to slaps on the back all round. Now, some of his closest allies in the industry are keen to distance themselves .

Is swapping your home ever a good idea - and what are the pitfalls? The This is Money

Much is made of the difficulties faced by first-time buyers to get onto the property ladder, but less talked about is the problem facing second steppers and those looking to downsize. As growing families struggle to afford to move up the property ladder could intergenerational house-swaps be the answer?

Bank of England governor Mark Carney's £150k pension perk

Bosses at commercial banks have already faced criticism for taking yearly pension payouts worth more than 25 per cent of salary - the level deemed acceptable in the City.

The whole point of investment funds is that they are supposed to democratise the stock market. Whether they have actually done that is debatable.

The London-Shanghai Stock Connect will allow British companies to raise funds in Shanghai, and vice versa. More than 250 firms listed in Shanghai may be eligible to take part in Stock Connect.

Fashion chain Jigsaw has drafted in a string of directors to its board, including Glasses Direct entrepreneur Jamie Murray Wells, as it strives to revive its fortunes.

Customers claimed £334 million in April ahead of the August 29 deadline, according to new figures from the Financial Conduct Authority (FCA).

Profits at the chain, which has 816 outlets, fell by 5 per cent to £88.3 million. Bosses hailed 'pleasing results in challenging times' - a nod to the turmoil on the high street.

The 59-year-old is now chief executive of CQS, the asset management firm of Sir Michael Hintze, a billionaire Tory party donor. The Mail on Sunday met him at CQS's swanky London HQ.

Promises, promises. That is what politicians seeking election make, and the Tory leadership contest is true to type. Boris Johnson promises a massive cut in income tax for higher earners.

Last week, Greensill, set up by ex-Morgan Stanley and Citigroup banker Lex Greensill, snapped up Finacity Corporation from Bank of America and credit insurer Euler Hermes.

Dixons Carphone plans to DOUBLE its 'buy now pay later' business

The owner of the Dixons PC World and Carphone Warehouse brands expects to make £440 million from credit revenues this year and the business now accounts for about 8 per cent of its products.

A five-week hearing involving Bank Mellat and the Treasury was due to begin tomorrow. But The Mail on Sunday understands the Government has entered settlement talks.

City sources said UK Addiction Treatment Centres, also known as UKAT, and its backer, US-based Eli Global, have been sounding out financial advisers about 'strategic options'.

The betting giant, led by 76-year-old chief executive Fred Done, has now lost £69.4 million in two years, blaming a Government crackdown on controversial fixed-odds betting terminals (FOBTs).

Warwick Brady could pocket the staggering sum if the firm hits targets for and then sells Southend Airport in Essex, its main asset, for £2.1 billion.

Investors holding 27 per cent of shopping centre owner London & Associated Properties voted against the re-election of Sir Michael Heller as a director.

Just Group's shares have slumped almost 60 per cent in a year following regulatory changes that forced the company to raise fresh equity and debt.

Nick Train warns investors his high performing shares won't always rise

As the largest holdings in his UK equity fund and Finsbury Growth & Income trust reach all-time highs and fellow star manager Neil Woodford suffers, Nick Train has warned investors poor performance could be on the horizon. While Train's note was written before the saga ensued, his message further highlights that even top-performing managers can suffer weakness and serves as a warning to investors not to put too many eggs into any one basket.

The investment platform, which began as a two-person operation in Bristol in 1981 and expanded rapidly into a FTSE giant, has been hit following the 'gating' of Neil Woodford's shrinking flagship fund.

Rather than investing directly in firms, it buys packages of loans called asset-backed securities from lenders like banks. It then rakes in the interest the borrowers pay on these loans.

Vroom for the kids? RAY MASSEY tests Peugeot's stylish and spacious new 508 SW family

Peugeot's new 508 SW family estate is a sophisticated attention grabber with long, languid low-slung lines and a handsomely prominent face and grille. And that smart French chic continues when you get behind the wheel of this smart, practical, versatile and smooth operator, as I did driving on roads around Buckinghamshire.

Citroen ceo Linda Jackson slammed the current Brexit situation but also hinted that the car-maker's parent company PSA Group could strike a deal to partner or take-over Jaguar Land Rover.

Under the controversial 1961 Vienna Convention, diplomats are immune from paying motoring-related taxes in their host country. However, TfL is pursuing embassies for payments.

There is a hole in my neighbours fence that he refuses to fix. What can I do about it? 

I am renting a property with my family, including two children and two dogs. There is a hole in our next door neighbours fence - who is also our landlord - but he refuses to fix it. I am concerned as our dogs could easily escape through the gap but not sure what course of action to take. What can I do?

Today is Bloomsday - the day in 1904 that the character Leopold Bloom walked the streets of Dublin in the James Joyce novel Ulysses. A first edition of this sold for £275,000 a decade ago.

Best electric cars by real-world range that you can buy NOW

There are some big discrepancies between the 'official' and real-world ranges, and there's a staggering 202-mile differences in the ranges of the best and worst new electric cars you can buy in showrooms today, according to figures from What Car?'s Real Range test. Here are 14 models you can buy in showrooms right now, and how far you can rely on them to travel between charges. The list includes (clockwise from top left) Audi's e-tron, Hyundai's Kona, Nissan's Leaf and Jaguar's I-Pace.

Effective today, customers filling up at any of Asda's fuel stations will pay no more than 124.7p for a litre of deisel and 123.7p for unleaded. Sainsbury's, Morrisons and Tesco have matched the cuts.

Drivers in Greater London are forking out an average of 58p per mile they drive - 32 per cent more than the cheapest area of Galashiels in Scotland where motorists pay just 44p per mile.

How do self-employed millennials start saving for retirement?

Two in three self-employed workers between the ages of 23 and 38 have no pension savings whatsoever, a report has claimed. According to investment and pensions provider Fidelity International, nearly three quarters of self-employed millennials say they can't afford to put money away for retirement. This is Money has recently launched a campaign on behalf of Britain's five million self-employed workers in a bid to create a more level playing field for those trying to save for their futures.

The Resolution Foundation said property wealth was becoming concentrated among older, richer Britons, with those born in the Fifties more likely to own a second home than any other age group.

UK is best in Europe for unicorns but the easy money will run out one day

How fitting it is that a Britain led by politicians who believe in magical solutions and magic money trees is blowing its own trumpet as a breeder of unicorns. The UK has produced more so-called unicorns - companies valued at more than $1billion but not listed on the stock market - than anywhere other than the US and China. It's an impressive achievement, but we should remember much of those valuations are driven by plenty of money sloshing about.

Europcar customer takes company to task over 'really confusing' dispute system

Hire cars have the potential to cause all kinds of hassle - especially if there is a dispute about damage to a rental vehicle. This is the situation for one This is Money reader who was charged a large amount of money for a couple of small scratches on the side of his rental car.

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

Two-year fixes have plateaued in price over the past few months, following a prolonged period of falling rates thanks to fierce competition among lenders. But longer-term fixes have continued to fall, narrowing the gap between two and five-year deals, according to research from financial experts Moneyfacts.

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 Hertfordshire £10,000
£1,000,000 Kent £1,000
£100,000 Norwich £5,000
£100,000 Kirklees £14,000
£100,000 Suffolk £9,000
£100,000 Bristol £48,000
£100,000 Shropshire £29,990
£50,000 Kent £10,000
More June 2019 winners
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