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* Money Home * Business * Saving & banking * Investing * Bills * Cars * Holidays * Cards & loans * Pensions * Mortgages * Experts * Buy-to-let * My Profile * Logout * Login How we can help Contact us Saturday, Jan 29th 2022 7AM 3°C 10AM 4°C 5-Day Forecast Advertisement * small business * diy investing * guides * comment * life insurance * property * all Toggle Search I want to find… * Guides for my finances * The best savings rates * Best cash Isas * A better bank account * A cheaper mortgage * The best DIY investing platform * The best credit cards * A cheaper energy deal * Better broadband and TV deals * Cheaper car insurance * Stock market data * Power Portfolio investment tracker * This is Money's newsletter * This is Money's podcast * Investing Show videos * Help from This is Money * Financial calculators Enter search term Search Search within All articles Share prices WFH DAMAGES WOMEN'S CAREERS: RETURN TO OFFICE OR LOSE OUT TO MEN, AVIVA BOSS AMANDA BLANC WARNS Blanc said working mothers who take on the brunt of childcare duties could miss out if they are at their desks less often than their male peers. The comments came as millions return to the office with the lifting of Covid restrictions. Several leading City institutions are hauling their staff back in. Blanc said her staff were expected to be in the office three days a week. Blanc has previously spoken about a ‘motherhood penalty’, which many women face after returning from maternity leave. * 14 comments * 1 share Only WFH could damage women's careers, warns Aviva boss INFLATION FOR RICH AND POOR HOUSEHOLDS IS ALMOST IDENTICAL - BUT LOW INCOMES ARE WORST HIT AS THEY CAN'T ESCAPE SOARING ENERGY AND FOOD PRICES Consumer price inflation in December was 5.5% for high earners and only slightly lower at 5.3% for low earners, the ONS said. * 62 comments * share ONS: Inflation is almost the same for rich and poor households Race for space! Detached homes lead the property boom, with average values up £60k during the pandemic LATEST BUSINESS NEWS * Capita agrees sale of Trustmarque for £111m * Shop vacancy rates will 'struggle' to fully recover * Is another interest rate rise coming next week? * Apple rakes in £26bn profit in three months * Buy-to-let lender Paragon sees strong start * Legal battle between Cineworld and Cineplex * Lotus teams up with Britishvolt for electric car * Fuller's sees pub recovery stall * CMA steps up probe into Morrisons takeover PROPERTY CLINIC: WHAT IS THE BEST WAY OF REMOVING MOULD IN MY HOME AND ENSURING THAT IT DOESN'T RETURN? Left untreated, black mould can be dangerous - particularly to young children and those with underlying respiratory issues - as the spores released from mould can get into their lungs. * 37 comments * share Here is how to safely remove black mould in your home BRITAIN'S NEW £1.7M SUPERCAR: LEGENDARY F1 DESIGNER GORDON MURRAY UNVEILS THE T.33 WHICH WILL BE BUILT IN SURREY AND DELIVER 'ABSOLUTE DRIVING PERFECTION' Automotive design legend Gordon Murray has unleashed his latest creation - a £1.65million two-seater supercar that aims to deliver 'absolute driving perfection'. Powered by a mighty specially enhanced 607bhp 3.9-litre V12 Cosworth engine, the new lightweight T.33 is the second supercar from the motorsport and motor industry maestro's expanding Gordon Murray Automotive (GMA) empire and is expected to accelerate from rest to 62mph in under three seconds. Restricted to just 100 'bespoke' examples for customers, it is to be built at GMA's new £50million state of the art technology campus and global headquarters at Windlesham in deepest leafy Surrey. It marks another remarkable chapter in the life of Professor Gordon Murray, whose significant landmarks over many decades include the McLaren F1 super car, countless F1 race cars, and a keen interest in producing 'green' lightweight and simple to build and use eco-vehicles. * 69 comments * 1 video * 77 shares Britain's new £1.4mi supercar: Gordon Murray Automotive T.33 unveiled IF VAT IS REMOVED FROM ENERGY BILLS WILL THE CUT BE PASSED ON TO CUSTOMERS ON FIXED TARIFFS AND HOW MUCH COULD I SAVE? There are rumours the Government might remove VAT from energy bills to help with rising costs. Would my supplier pass on the price cut to me, even if I am on a fixed tariff? * 87 comments * 1 share If VAT is removed from energy bills, will my bills fall? THE CHEAP MONEY BUBBLE BURSTS: BRITAIN'S ECONOMY FACES A DOUBLE WHAMMY OF HIGHER RATES AND HIGHER TAXES, SAYS ALEX BRUMMER Andrew Bailey (pictured) was the first central banker out of the blocks when the Bank of England brought an end to pandemic era interest rates. * 184 comments * 1 video * 3 shares ALEX BRUMMER: The money bubble will burst as interest rates rise CAN WE DO ANYTHING TO STOP OUR ENERGY BILLS SOARING... AND IS THERE ANY POINT TRYING TO FIX? THIS IS MONEY PODCAST Variable price cap-linked energy bills are expected to rise 50% and those with fixes ending face bigger rises, so are there any options to stem the bills shock? * 10 comments * share Can we do anything to stop our energy bills soaring? TiM podcast GENESIS WILL ROCK YOU! HYUNDAI 'S GV70 SHOOTING BRAKE HITS ALL THE RIGHT NOTES, SAYS RAY MASSEY Genesis is the new premium brand from the Korean group, ready to take on Europe's top carmakers such as BMW, Audi and Mercedes-Benz. * 2 comments * share RAY MASSEY: Hyundai Genesis GV70 Shooting Brake will rock you! EDITOR'S DEALS OF THE WEEK Broadband Fibre broadband £65 voucher on sign-up £21.99 per month for 18 months Fixed-term saving Fixed-term saving 1 year fix. Market-leading rate 1.33% interest and £50 Raisin bonus Financial coaching Market-leading 2% interest for a year Market-leading 2% interest for a year App sign-up bonus on balance to £3,000 Share investing Commission-free Share investing platform 24+ million global community Avios flight search Avios alerts Get the best seats for your points 14-day free trial of ‘gold’ service THIS IS MONEY PODCAST * Can we do anything to stop our energy bills soaring... and is there any point trying to fix? ABOUT THIS IS MONEY * How we can help you A message from the editor SAVE MONEY, MAKE MONEY * Credit cards Best balance transfers, reward cards and more * Life insurance See the lowest rates on the market * Savings accounts Cash Isas, easy access, fixed rates and more * Current accounts Earn interest and rewards on your money * Best mortgages Expert advice on the right deal for you * DIY investing Best and cheapest ways to invest in shares and funds Follow This is Money Follow @ThisIsMoney Advertisement DON'T MISS * The ALL-NEW, COMPLETELY FREE Power Portfolio is here Track your investments or buy virtual shares and funds * Five steps to research a crypto before taking the plunge and deciding to invest Ad Feature * ASK TONY Storm trolley damage to our car means we have fewer reasons to shop at Morrisons! * Could you go a month without splashing out on any treats? Meet the people who did 'no-spend January' and saved a small fortune * Habito hikes rates on 7x income 'lifetime' mortgages just a month after launch Adding tens of thousands in interest for those on longer fixes * Rein in the broadband bandits As millions face internet and phone bill hikes of 10%, watchdog must clamp down on firms' sneaky small print * Self-driving cars are a step closer Law Commission says drivers should NOT be held legally accountable if a vehicle causes a crash when technology is active * Can YOU afford a decent retirement? Just two in five people are on course for a moderate or comfortable pension, report warns * Turning an icon electric: Mini Recharged converts classics to battery power with 99-mile ranges But you an have the petrol engine put back in * We lost thousands to 'Mum and Dad scammers' After exposing the fraud sweeping WhatsApp, we send damning dossier to the poilce * Delays in addressing state pension crisis are unacceptable DWP should hire private experts if it can't cope, says ROS ALTMANN * Stamp out price hikes Firms that exploit customers now are unlikely to hold onto them for long, says VICTORIA BISCHOFF * Help! My brother barred me from our parents' funerals and now refuses to sell the home they left to us both What can I do? * Three of the biggest building societies WILL finally raise rates for savers after December's BofE decision But others, including Nationwide, fail to do so * Top 10 companies for customer service First Direct and John Lewis slip down as Pets at Home takes the crown and Skoda and Timpson blast up the ranks BUSINESS & MARKETS MARKET REPORT: THE HUT GROUP CRASHES AGAIN AS ITS COMMERCIAL DIRECTOR STEVEN WHITEHEAD OFFLOADS £8.5M WORTH OF SHARES Whitehead spooked investors by cashing in around half his stake. THG shares are now worth about a quarter of their 500p IPO price and just over 15 per cent of their all-time high close to 800p. Whitehead sparked fears he could have been cashing in before the stock, which has shedded 45 per cent so far this year, falls any further. The company said Whitehead's stake was held by THG founder Matt Moulding's (pictured) investment vehicle, FIC Shareco. Shares fell 7.1 per cent, or 9.6p, to 126.5p. * 3 comments * share MARKET REPORT: The Hut Group crashes again ALEX BRUMMER: IN UNCERTAIN TIMES STOCKS AND SHARES, BASED ON REAL COMPANIES, ARE CONSIDERED RISKY - NON-FUNGIBLE TOKENS ARE BEYOND THE PALE Crypto and NFT's have many of the characteristics of the 17th century Dutch tulip mania which ended in tears. * 2 comments * share ALEX BRUMMER: Non-fungible tokens are beyond the pale EXPERTS WARN SHELL AND BP COULD FIND IT 'IMPOSSIBLE' TO WORK IN RUSSIA IF IT INVADES UKRAINE Western countries have threatened to impose crippling sanctions on Moscow after it began building up troops on the Ukrainian border. * 3 comments * share Shell and BP could find it 'impossible' to work in Russia H&M SETS OUT PLANS TO DOUBLE SALES BY 2030 AS IT DRAWS A LINE UNDER PANDEMIC The company said in an update that profits in the year to November 30 rose seven-fold to £1.1billion. Overall sales rose 6 per cent to £15.8billion. * comments * share H&M sets out plans to double sales by 2030 LEWIS HAMILTON ENTERS RAPID GROCERY WARS BY TAKING PART IN £150M FUNDING ROUND FOR ZAPP The start-up delivery app, and rivals including Gorillas, Weezy and Getir, are battling for customers who want their shopping to their door in as little as ten minutes. * 1 comment * share Lewis Hamilton takes part in £150m funding round for Zapp BRITISH BANKER FOUND GUILTY OF RIGGING LIBOR RATE SEES CONVICTION OVERTURNED Gavin Black was convicted of wire fraud and conspiracy in 2018 along with his New-York based colleague Matthew Connolly. * comments * share British banker has Libor conviction overturned MONEY NEWS & ADVICE THE ULTIMATE PROFIT MACHINE: APPLE RAKES IN £26BN IN JUST THREE MONTHS TO REPORT THE BIGGEST PROFIT IN HISTORY AS SHOPPERS FLOCK TO BUY IPHONES AND WATCHES Turnover at the firm, led by chief exec Tim Cook (pictured) jumped 11% as Christmas shoppers stocked up on the latest iPhone 13 models, Apple Watches and iPad minis. This was far ahead of the £83bn it made during its previous best quarter, at the end of 2020. The holiday season is always the company's most important period. * 40 comments * 1 share Apple makes £93bn in just 3 months as shoppers flock to buy iPhone 13s Ad Feature FIVE STEPS TO RESEARCHING A CRYPTO BEFORE TAKING THE PLUNGE AND DECIDING TO INVEST The crypto market is volatile and more cryptoassets often emerge with every week that passes. * comments * share Five steps to research a crypto before investing GRACE ON THE CASE: I LOST £40K AFTER FALLING FOR AN ONLINE SCAM AND NEED THE FUNDS AS I HAVE TERMINAL CANCER - IS THERE ANY WAY OF GETTING IT BACK? I am a 67 year old living with terminal liver cancer. I have fallen victim to a scam into which I have put £40,000 of my £47,500 savings account. I have contacted my bank Barclays to be told it cannot help me as I moved monies from my account myself. Are you able to help me regain my funds? * 14 comments * 39 shares I have lost £40k to a scam. Can I get it back? NATIONWIDE FINALLY UPS THE RATES ON SOME OF ITS SAVINGS DEALS, BUT ITS KEY EASY-ACCESS AND FIXED RATE OFFERS WON'T BUDGE Nationwide Building Society has today announced that it will be upping rates on a number of its savings deals. * 38 comments * 24 shares Nationwide finally ups the rates on SOME of its savings deals FINANCIAL ABUSE VICTIMS ARE LEFT WITH AN AVERAGE 'COERCED' DEBT OF NEARLY £5K AND REQUIRE HELP TO RELEARN BASIC MONEY SKILLS, CAMPAIGNERS WARN A common tactic of abusers is to 'de-skill' a victim so they are unable to make independent financial decisions, says the organisation Surviving Economic Abuse. * 1 comment * 77 shares Domestic abuse victims are often coerced into debt, warns charity WORRIED ABOUT THAT EXPENSIVE GYM CONTRACT YOU'RE ALREADY NOT USING? TRIM YOURSELF AND YOUR BUDGET WITH THESE CHEAPER WAYS TO GET FIT INSTEAD It's a common resolution to get fit in the new year, but one month in some who signed up to a lengthy gym contract may already feel like it's been a waste of money. People are often quick to take up gym contracts in a burst of ambition, but don't always think about how expensive they are, especially if they don't use them multiple times a week. If it's not too late already to avoid a pricey locked-in contract, you might want to consider some cheaper and even free ways of burning off calories before signing on the dotted line. * 5 comments * 15 shares Five cheap and free ways to get fit... and avoid a pricey gym contract ALL COUNCILS TO BE GIVEN POWERS TO FINE MOTORISTS £70 FOR MINOR OFFENCES SUCH AS DRIVING IN CYCLE LANES AND UNLAWFULLY STOPPING IN BOX JUNCTIONS FROM JUNE While fines of up to £70 can be applied for such offences, councils will be forced to offer discounts for PCNs that are paid early - usually within 14 days of being issued. * 54 comments * 4 shares Councils to get powers from 1 June to fine drivers for minor offences LEARNERS WILL HAVE TO WAIT ALMOST THREE TIMES LONGER TO REBOOK FAILED DRIVING TESTS: PLAN TO EXTEND PERIOD TO 28 DAYS WILL MAKE PEOPLE 'THINK TWICE' The DVSA has proposed increasing the wait time to encourage leaners to `think twice´ before trying a test unprepared. * 9 comments * 1 video * share Learner drivers may have to wait 28 days to rebook test BRITAIN'S BEST TUNNELS REVEALED: ALFA NAMES THE TOP 10 WITH THE FINEST ACOUSTICS SO MOTORISTS CAN ENJOY THEIR CAR ENGINE'S SOUND AS THEY DRIVE THROUGH For petrol heads who love nothing more than the rumble of a car engine and growl from its exhaust, this is a top 10 list that will certainly be of interest. Alfa Romeo has gone out of its way to tell drivers which UK tunnels provide the best acoustics to enjoy the sound of their motors. The 'Sound Tunnel Index' named the 658-metre long Penmaenbach tunnel in North Wales the best in the country - find out which others made the list. * 113 comments * 1 video * 222 shares Best tunnels in Britain: Top 10 revealed with Penmaenbach top LOTUS TEAMS UP WITH PIONEERING UK BATTERY MANUFACTURER BRITISHVOLT TO BUILD ITS FIRST ELECTRIC CAR Britishvolt, which is setting up a gigafactory in Northumberland, will design and tailor-make the batteries used in the car maker's luxury vehicle. * 4 comments * 5 shares Lotus teams up with Britishvolt to build its first electric car HOW SAFE ARE YOUR TYRES? AS PIRELLI CELEBRATES ITS 150TH ANNIVERSARY, WE LOOK BACK AT ITS RACY HISTORY - AND HOW TO KEEP YOUR CAR'S BOOTS IN GOOD WORKING ORDER There are, perhaps, few things less glamorous in the world of motoring than the tyre. But Pirelli will be reminding us that they make the world go round. * 18 comments * 7 shares How safe are your tyres? Pirelli celebrates its 150th anniversary IS THE TIDE FINALLY TURNING FOR UK SHARES? ASKS SIMON LAMBERT: THE FOOTSIE HAS HELD FIRMER THAN THE S&P 500 AND BIG INVESTORS ARE LOOKING TO BRITAIN A strange thing happened for investors recently: as stock markets took a hammering UK shares did better than their US cousins. Betting against the US growth trend has not proved overly profitable for investors in recent times, but, arguably, now we are in different circumstances and that means investors might be looking for something different too, which is where the unloved UK stock market comes in. * 29 comments * 1 share Is the tide finally turning for investor sentiment on UK shares? BESTINVEST TO OFFER ADVICE PACKAGES, FREE COACHING AND SLASH SHARE DEALING FEES AS IT RELAUNCHES DIY INVESTMENT PLATFORM Bestinvest will offer two paid-for advice services with one-off fees, alongside free investment coaching, delivered by its own advisers. * 5 comments * 26 shares Bestinvest offers free coaching, advice deals, and cuts share fees THE PRICE IS RIGHT! HOW TO SPOT COMPANIES WITH STRONG PRICING POWER WHOSE SHARES CAN PROFIT FROM RISING INFLATION Investors keen to shield their portfolios from inflationary pressures should look out for companies with pricing power as they can pass on higher costs as inflation lingers. * 1 comment * share How to spot companies with strong pricing power PROPERTY PRICE GROWTH SHOWS SIGNS OF SLOWING... BUT BUYERS ARE STILL FORKING OUT £25,000 MORE THAN THEY WERE AT THE START OF 2020 The pace of property price growth across the country has started to slow, fresh figures from Zoopla have revealed. Average prices increased by just 1 per cent in the three months to December 2021, the property portal said. This took the rate of price growth in 2021 as a whole down slightly from 7.7 per cent to 7.4 per cent. The average price tag of a home coming up for sale is now £242,000, which is still £25,500 more than at the start of 2020 when the average price was £216,500, according to the data. * 57 comments * 37 shares Property price growth SLOWING, Zoopla says PRICE OF A BASIC FUNERAL FELL FOR THE FIRST TIME ON RECORD LAST YEAR, BUT GROWING NUMBER OF FAMILIES OPTED FOR BUDGET CREMATIONS DURING THE PANDEMIC Nearly one in five bereaved families now choose a budget cremation for their loved ones, new research shows. * 17 comments * 18 shares Funeral costs fall to £4,056 for a basic service RED HOT RENTALS! FIERCE COMPETITION AMONG TENANTS SEES RENTS RISE AT RECORD LEVELS AND OUTPACE HOUSE PRICE INCREASES IN MOST AREAS OF THE COUNTRY High demand among tenants and a low supply of good rental homes means there is fierce competition in the rental market. * 60 comments * 4 shares Rents rise at fastest rate on record, says Rightmove COULD YOU GO A MONTH WITHOUT SPLASHING OUT ON ANY TREATS? MEET THE PEOPLE WHO DID 'NO-SPEND JANUARY' AND SAVED A SMALL FORTUNE 'No-spend January' is a radical new budgeting challenge in which you must commit to paying only for essentials such as bills, groceries and transport. Poppy Brown (right) saved £950 by ditching takeaways, switching to Aldi for groceries and making coffees at home among other measures. Money blogger Emma Jackson (left) found there were still plenty of areas where she could cut back, while Pierce Holland (centre) is determined to spend no more than £200 for the month. * 93 comments * 18 shares We did 'no-spend January' and saved a small fortune? HABITO HIKES RATES ON 7X INCOME 'LIFETIME' MORTGAGES JUST A MONTH AFTER LAUNCH, ADDING TENS OF THOUSANDS IN INTEREST FOR THOSE ON LONGER FIXES The rate rises would cost someone with a £200,000 mortgage and a 10% deposit £26,000 extra in interest over a 26-year term. * 12 comments * 7 shares Habito hikes rates on 7 times income 'lifetime' mortgages VOTE OF CONFIDENCE IN BRITAIN: CITIGROUP IN £100M REVAMP OF LONDON HQ AS BENTLEY ANNOUNCES IT IS TO INVEST £2.5BN IN CREWE PLANT Citi launched a £100m overhaul of its tower in Canary Wharf, despite predictions that foreign banks would leave in droves after Brexit. * 90 comments * 31 shares Vote of confidence in Brexit Britain from Citigroup and Bentley REIN IN BROADBAND BANDITS: AS MILLIONS FACE INTERNET AND PHONE BILL HIKES OF 10%, WATCHDOG MUST CLAMP DOWN ON FIRMS' SNEAKY SMALL PRINT Telecoms firms are inflicting increases of around 10 per cent in the spring, despite inflation hitting a 30-year high of 5.4%. Mobile phone companies are ramping up bills even higher - by using an outdated inflation measure that could push up prices by more than 11%. Critics say the demands are unacceptable as families face a soaring cost of living crisis while telecoms firms rake in huge profits. * 102 comments * 1 share Broadband bandits: Millions facing internet and phone bill hikes ASK TONY: STORM TROLLEY DAMAGE TO OUR CAR MEANS WE HAVE FEWER REASONS TO SHOP AT MORRISONS! I visited Morrisons in Holyhead on October 27. It was a particularly stormy day. When I returned to my car I found a loose trolley embedded in the rear light. * 28 comments * 5 shares ASK TONY: Trolley damage means fewer reasons to shop at Morrisons! SELF-DRIVING CARS TAKE A STEP CLOSER: LAW COMMISSION SAYS HUMANS SHOULD NOT BE HELD LIABLE IF A VEHICLE CAUSES A CRASH WHEN TECH IS ACTIVE The Automated Vehicle Act would aim to resolve the biggest grey area concerning bringing self-driving technology to our roads. * 89 comments * 2 videos * 6 shares Human drivers should NOT be liable if self-driving tech causes a crash MORE BUSINESS & MARKETS NEWS US FEDERAL RESERVE TO START RAISING INTEREST RATES IN MARCH IN BID TO TAME RISING INFLATION Pointing to strong jobs data and a jump in the cost of living, the US central bank said it 'will soon be appropriate' to end the era of ultra-low borrowing costs. Its benchmark interest rate is in the range of 0%-0.25%. Although the Fed did not release fresh forecasts for how many times it would raise rates, traders expect 'several' moves in 2022. * 13 comments * 1 share US Federal Reserve to start hiking interest rates in March HYBRID WORKING TREND MEANS SHOP VACANCY RATES WILL 'STRUGGLE' TO FULLY RECOVERY IN TOWN AND CITY CENTRES, RETAIL BODY BOSS WARNS The BRC said: 'With hybrid working unlikely to disappear any time soon, it will be difficult for vacancy rates to fully recover in our town and city centres.' * 1 comment * 1 share Hybrid working 'unlikely to disappear any time soon,' says retail boss BUY-TO-LET LENDER PARAGON SEES STRONG START TO THE YEAR AS LANDLORDS AND SMES TAKE ON MORE LOANS Specialist lender Paragon hailed a 'strong' start to its new financial year after seeing a surge in lending, driven by a big jump in demand for buy-to-let mortgages. * 2 comments * 2 shares Paragon sees strong start to the year amid rise in buy-to-let lending A GREAT BRITISH SUCCESS STORY IN THE CITY: LONDON CROWNED WORLD'S TOP GLOBAL FINANCIAL DISTRICT FOR SECOND YEAR IN A ROW London beat competition from New York and Singapore, which followed second and third - in terms of its attractiveness to the lucrative industry. * 7 comments * 7 shares London crowned top global financial district for second year in a row IG GROUP HAILS 'RECORD' PERFORMANCE AS AMATEUR TRADERS FLOCK TO ITS PLATFORM AND TAKEOVER OF US RIVAL PAYS OFF IG Group has hailed 'record' performance as amateur traders continued to flock to its platform to try and take advantage of stock market volatility. * 1 comment * share IG hails 'record' performance as traders flock to play the markets LEGAL BATTLE BETWEEN CINEWORLD AND CINEPLEX OVER ABORTED MERGER HEATS UP AS CANADIAN CHAIN FILES CROSS-APPEAL Cineplex has filed an appeal against Cineworld's own appeal challenging a court ruling in December that had ordered the British chain to pay £720m in damages to Cineplex. * 1 comment * share Cineworld legal battle intensifies as Cineplex files appeal CAPITA AGREES SALE OF SOFTWARE COMPANY TRUSTMARQUE FOR £111M TO PRIVATE EQUITY GROUP AS IT PUSHES AHEAD WITH RESHUFFLE TO SLASH DEBTS IT services and software firm Trustmarque was bought by the outsourcing giant for £57million in 2016 and will now be sold for £111million to One Equity Partners. * 1 comment * 10 shares Outsourcer Capita agrees £111m sale of Trustmarque MARKET REPORT: POSH TONIC MAKER FEVERTREE LOSES ITS FIZZ AFTER WARNING IT FACES SERIOUS COST PRESSURES THIS YEAR On a bumper day for drinks firms, with both Diageo and Britvic also reporting, Fevertree said rising costs would dent its profit margins. * 5 comments * share MARKET REPORT: Fevertree loses its fizz over cost pressure fears OLDER BINGO PLAYERS WARY OF RETURNING: MECCA BOSS SAYS COMPANY MUST BE 'PATIENT' OVER RECOVERY OF ITS VENUES John O'Reilly (pictured) said sales are 'taking longer' to rebound across its bingo arm than its casinos due to the higher age of its customer base. * comments * share Older bingo players are wary of returning, says Mecca boss GUINNESS MAKER DIAGEO TOASTS RISE IN SALES AS BARS REOPEN WITH DRINKERS TURNING TO SCOTCH, TEQUILA AND BEER Diageo posted a 16 per cent rise in global sales to £8billion - with sales of premium alcohol making up more than half of that, as the pandemic trend for finer booze continues. * comments * share Guinness maker Diageo sees sales soar as bars reopen BOOKINGS TAKE-OFF AT EASYJET AFTER NEW TESTING RULE CHANGES FOR VACCINATED FLYERS WITH CAPACITY FOR SUMMER 'CLOSE TO PRE-PANDEMIC' On-sale capacity for the upcoming summer holiday season is now close to pre-pandemic volumes compared to just over two-thirds for the current quarter, according to the group. * 1 comment * 1 video * 1 share EasyJet bookings jump after pre-departure testing rules are relaxed DR MARTENS SHARES TUMBLE 9% AS MANUFACTURING AND SHIPPING DELAYS HAMPER SALES IN CHRISTMAS QUARTER The company said that manufacturing and shipping delays meant that with fewer boots in stock, it decided to prioritise direct-to-consumer sales. * 9 comments * share Dr Martens shares tumble as supply crisis hit sales' growth FULLER'S SEES PUB RECOVERY STALL AS OMICRON CAUSES CITY WORKERS TO STAY HOME AND FESTIVE PARTIES ARE SCRAPPED Prior to the variant's emergence, the company said managed sales on a like-for-like basis from the time all its establishments reopened in July were just 10 per cent below their 2019 levels. * 1 comment * 1 video * 1 share Fuller's sees recovery stall as Covid curbs damage festive trade YOUR MONEY ESSENTIALS DON'T LET PUTIN BLOW A HOLE IN YOUR PORTFOLIO: AS RUSSIAN AGGRESSION AT UKRAINE SENDS SHARES PLUMMETING, HOW TO PROTECT YOUR INVESTMENTS Fears of a potential Russian invasion of Ukraine continue to escalate, with both the U.S. and UK governments removing some of their diplomats from the Ukrainian capital. By the end of Monday, the FTSE 100 had fallen 2.63%, while the FTSE 250 lost 3.64%, taking it to its lowest level for ten months. The effect was felt across Europe, where the Stoxx 600 dropped 3.50%. * 27 comments * 1 share Why investors should stay cool as Ukraine tension hits shares BEST SAVINGS RATES: SAVINGS PLATFORMS TO MANAGE YOUR MONEY IN ONE PLACE - WITH EASY-ACCESS, FIXED-RATES AND NOTICE ACCOUNTS AND BONUS BOOSTERS A new wave of savings platforms have emerged in recent years which help savers keep track of their accounts more easily and move money into better rates after signing up. * 3 shares Best savings rates: Top deals from savings platforms WAVERTON REAL ASSETS FUND: BACKING STOCKS THAT CAN PAY DIVIDENDS FROM THE CHANGING WAY PEOPLE SHOP It considers itself a steady eddie, delivering a respectable income and capital return through thick and thin. * comments * 1 video * share WAVERTON REAL ASSETS FUND: Fund is building block for portfolios WE LOST THOUSANDS TO 'MUM AND DAD SCAMMERS': AFTER EXPOSING THE FRAUD THAT'S SWEEPING WHATSAPP, WE SEND DAMNING DOSSIER TO THE POLICE Last week we reported how parents were being bombarded with text messages from criminals posing as their children and pleading for money. We have since been inundated with emails from readers who have lost up to £10,000 after being duped into believing their loved one was in financial trouble. Jackie Taylor and husband James (pictured) paid out almost £2,000 to a fraudster purporting to be her son who had lost his phone * 31 comments * 9 shares After exposing WhatsApp Mum and Dad scam, we send dossier to police THIS IS MONEY PODCAST * Can we stop our bills soaring... and is there any point in fixing? * Steven Bartlett interview: The new Dragon in the Den * How to get your finances sorted at 40 (and the UK in 1982) * Are building societies and banks playing fair with savers? * From inflation to investing mistakes: Best of 2021 * Christmas isn't cancelled but what if your show or event is? * Was the Bank of England right to raise interest rates? * How much will a lifetime cost you - and where will you spend? * Is 2022 looking bleak for our finances thanks to soaring inflation? * The energy saving battle: What should you do to save cash? * What you need to know about the 'inflation' Budget * Are you willing to pay the price for going green? * Are Premium Bonds worth holdingas inflation climbs? * From trackers to a 10 year fix: How to win in the mortgage war * Should the thundering inflation train lead rates to rise? * How bad will the energy crunch get - and will it hit you? * Could the inflation spike lead to stagflation? * Were the social care tax hike and the triple lock right? * Are you a mover, a flipper or a forever-homeowner? * Is there a way to boost YOUR state pension? * As deliveries boom, could you fall victim to a parcel text scam? * How low can mortgage rates go and is it worth jumping ship to fix? * Are your energy bills about to soaras the price cap shifts? * Do the sums stack up on green home improvements? * New plans to tackle bogus ratings online: Can you trust reviews? * What links rocketing car hire prices and inflation? * Will we pay out on an 8% triple lock pension increase? * Underpaid state pension scandal and the future of retirement * The stamp duty race to avoid a double false economy * Would you invest in sneakers... or the new space race? * Is loyalty starting to pay for savers and customers? * What goes up must come down? The 18-year property cycle * Are you a Premium Bond winner or loser? * Is a little bit of inflation really such a bad thing? * Holidays abroad are back on... but would you book one? * Build up a cash pot then buy and sell your way to profits * Are you itching to spend after lockdown or planning to save? * Are 95% mortgages to prop up first-time buyers a wise move? * Was Coinbase's listing bitcoin and crypto's coming of age? * Is working from home here to stay and how do you change career? * What's behind the rising tide of financial scams? * Hot or not? How to spot a buyer's or seller's market * How to save or invest in an Isa - and why it's worth doing * Is the UK primed to rebound... and what now for Scottish Mortgage? * The 'escape velocity' Budget and the £3bn state pension victory * Should the stamp duty holiday become a permanent vacation? * What happens next to the property market and house prices? * The UK has dodged a double-dip recession, so what next? * Will you confess your investing mistakes? * Should the GameStop frenzy be stopped to protect investors? * Should people cash in bitcoin profits or wait for the moon? * Is this the answer to pension freedom without the pain? * Are investors right to buy British for better times after lockdown? * The astonishing year that was 2020... and Christmas taste test * Is buy now, pay later bad news or savvy spending? * Would a 'wealth tax' work in Britain? * Is there still time for investors to go bargain hunting? * Is Britain ready for electric cars? Driving, charging and buying... * Will the vaccine rally and value investing revival continue? * How bad will Lockdown 2 be for the UK economy? Previous * 1 * 2 * 3 * 4 * 5 * 6 * 7 * 8 * 9 * 10 * 11 * 12 * 13 * 14 * 15 * 16 * 17 * 18 * 19 * 20 Next HELP! MY BROTHER BARRED ME FROM OUR PARENTS' FUNERALS AND NOW WON'T SELL THE HOME THEY LEFT US BOTH - WHAT CAN I DO? We are joint executors. We do not get on at all as he is an unreasonable chap who wants total control. Last year he failed to turn the water off and a ceiling collapsed in our parents' home. He also failed to insure the property so it was not covered. He had all the bank accounts and financial details so I was unaware there was no insurance. The moment I had viewings ready for an auction he phoned the agent and was very abusive telling them to remove it from sale as he would not agree to it. Lawyer Gary Rycroft, pictured, replies. * 64 comments * 15 shares My sibling refuses to sell the home we inherited - what can I do? STAMP OUT PRICE HIKES: FIRMS THAT EXPLOIT CUSTOMERS NOW ARE UNLIKELY TO HOLD ONTO THEM FOR LONG, SAYS VICTORIA BISCHOFF Even hardened hagglers like me become weary in the face of nonsensical pricing decisions. * 10 comments * 1 share VICTORIA BISCHOFF: Firms must stamp out the price hikes DO YOU NEED TO FILE A SELF-ASSESSMENT TAX RETURN TO AVOID PENSION PITFALLS? HIGHER EARNERS URGED NOT TO MISS OUT ON THEIR TAX RELIEF AS DEADLINE APPROACHES Filing a self-assessment tax return can also prevent those on higher incomes from being caught out by charges for breaching how much they can put in their pension pot each year. * 11 comments * 32 shares Do you need to file a tax return to avoid pension pitfalls? CAN YOU AFFORD A DECENT RETIREMENT? JUST TWO IN FIVE PEOPLE ARE ON COURSE FOR A MODERATE OR COMFORTABLE PENSION, REPORT WARNS A new savings and resilience barometer launched by Hargreaves Lansdown looked at how likely people at different ages and income levels are to achieve a moderate income or above later in life. A single person needs a minimum income of £20,800 per year, while a couple requires £30,600 to achieve financial security, according to an oft-cited industry measure of retirement living standards. Those figures include the state pension, which is currently worth around £9,400 per person if you qualify for the full flat rate. * 441 comments * 4 shares Am I saving enough for retirement? Just two in five people are FIGHT FOR YOUR PENSION! AS MPS SLAM DWP FOR FAILING THOUSANDS OF WOMEN, OUR ESSENTIAL GUIDE TO GETTING WHAT YOU'RE OWED The Department for Work and Pensions has faced a barrage of criticism over the fiasco which saw 134,000 mostly women miss out over decades. * 106 comments * 28 shares Underpaid state pensions: A guide to getting what you're owed DELAYS IN ADDRESSING STATE PENSION CRISIS ARE UNACCEPTABLE AND DWP SHOULD HIRE PRIVATE EXPERTS IF IT CAN'T COPE, SAYS ROS ALTMANN MPs condemned the underpaid state pension scandal as a 'shameful shambles' last week, and we published new cases of DWP payment chaos. ROS ALTMANN explains how to tix the crisis here. * 21 comments * 2 shares ROS ALTMANN: Delays in fixing state pension crisis are unacceptable THREE OF THE BIGGEST BUILDING SOCIETIES WILL FINALLY RAISE RATES FOR SAVERS AFTER DECEMBER'S BOFE DECISION - BUT OTHERS, INCLUDING NATIONWIDE, FAIL TO DO SO Three of Britain's biggest Building Societies are finally set to increase the interest rates on a number of savings deals, following last month's Bank of England base rate rise. Yorkshire, Skipton and Newcastle Building Society, which between them have roughly 4m customers, have both announced that rates will be heading upwards as of 1 February. However, all three are only upping interest on some variable rates and only Newcastle Building Society will be passing on the 0.15% rise in full. * 98 comments * 5 shares Three building societies finally pass on some base rate rise to savers LOOKING FOR A BETTER BANK? THIS IS MONEY'S PICK OF THE BEST CURRENT ACCOUNTS FOR INTEREST, PERKS, PACKAGES AND OVERDRAFTS How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff. * 267 comments * 136 shares This is Money's best current accounts SAVER, 31, WHO LOST HER £9,000 LIFE SAVINGS TO A PARCEL TEXT SCAM ASKS HER BANKS: 'WHY WASN'T IT FLAGGED AND WHY WON'T YOU PAY ME THE MONEY BACK?' Emma Spencer fell foul of the scam after receiving a text, supposedly from Royal Mail, claiming a parcel couldn't be delivered unless she paid a £2 fee. * 535 comments * 67 shares Woman who lost £9,000 to scam asks banks: 'Why won't you pay me back?' TURNING A MOTORING ICON INTO AN EV: MINI LAUNCHES 'RECHARGED' PROGRAMME TO CONVERT ORIGINAL CLASSICS INTO ELECTRIC CARS WITH 99-MILE BATTERY RANGES Mini has announced it will produce a new range of electric cars at its Oxford factory, though they're not exactly 'new'... It confirmed the launch of its 'Recharged' project, an official in-house programme that will take an owner's iconic Mini from between 1959 and 2000 and convert it into a fully-electric car that retains its classic looks. For an undisclosed fee, the Cowley factory - which is where the current BMW-Mini is built - will replace the original car's four-cylinder A-series engine with a powertrain of a 121bhp electric motor and battery. As a result it will accelerate to 62mph in 9 seconds, have a range of 99 miles and produces zero tailpipe emissions. While many will call it sacrilege, in stripping out the original car's motor, Mini says it will number and store the engine and removed parts, so that cars can be returned to their internal combustion originality if requested at a later date. * 107 comments * 1 video * 15 shares Classic Minis go electric: Recharged project to convert original cars A £12MILLION HAUL OF BONKERS BUGATTIS: THREE OF ONLY THIRTY 304.8MPH CHIRON SUPER SPORT 300+ HYPERCARS HAVE ARRIVED FOR UK CUSTOMERS HR Owen Bugatti London has taken delivery of the UK orders this week and pictured the trio parked in formation inside the dealership's workshop. * 179 comments * 1 video * 14 shares Bugatti Chiron Super Sport 300+ hypercars arrive for UK customers BENTLEY'S £2.5BN INVESTMENT IN BRITAIN: LUXURY LEGEND REVEALS PLANS TO CONVERT CREWE PLANT INTO A 'DREAM FACTORY' FOR BUILDING ELECTRIC CARS FROM 2025 The 103-year-old brand will make a 10 year investment in its Crewe plant as a vote of confidence in Britain and 'a major boost for the UK economy'. * 104 comments * 1 video * 10 shares Bentley to spend £2.5bn turning Crewe into a dream factory for EVs I'M TRYING TO HELP THE PLANET BY GETTING SOLAR PANELS, BUT EDF WON'T GIVE ME THE NEW SMART METER I NEED - AND NIGHT-TIME TARIFFS ARE PROVING A NIGHTMARE I'm in the process of having solar panels and a storage battery installed on my home. In order to run the battery on a cheap night-time energy tariff, and receive Smart Export Guarantee payments for any excess electricity I generate, I need my first-generation smart meter upgraded to a second generation one. However, my energy supplier, EDF, is refusing to do so. Secondly, I am struggling to find a cheap night-time tariff that does not also require me to have an electric vehicle - which I do not. I'm doing what I can both for the planet and my pocket, but feel like I'm hitting brick walls so far. Can you help? * 135 comments * 22 shares I am fitting solar panels but my supplier won't upgrade my smart meter DO YOU HAVE A SECOND HOME OR HOLIDAY LET? HERE'S HOW THE NEW TAX CRACKDOWN COULD AFFECT YOU Following anger from locals, the government will require second home owners to prove their property is rented for 70 days a year to get small business tax relief. * 193 comments * 1 share New tax rules for second homes and holiday lets explained EQUITY RELEASE HIT NEW HIGH IN 2021 AS OVER-55S TAPPED CASH IN THEIR HOMES TO COPE WITH COST OF LIVING CRISIS: AVERAGE BORROWER NOW TAKES £125K LOAN A total of £4.8bn was borrowed in equity release mortgages in 2021, an increase of 24% compared to 2020. * 37 comments * 9 shares Equity release loans hit £4.8bn high in 2021 IS THIS REALLY BRITAIN'S NEW KING OF CARS? AFTER VAUXHALL'S CORSA ENDED FORD'S 50-YEAR TOP-SELLING RUN, WE SPENT A FORTNIGHT DRIVING ONE TO FIND OUT IF IT'S BETTER THAN THE FIESTA Ford's incredible 50-year stint at the top of the sales charts was brought to an abrupt end in 2021, as the Vauxhall Corsa rose to the summit of the registrations table. Does its recent crowning make it the small hatchback to have today? Cars & motoring editor Rob Hull puts it to the test. * 302 comments * 1 video * 21 shares Is the best-selling Vauxhall Corsa a better car than Ford's Fiesta? DO YOU LIVE IN ONE OF THE WORST AREAS FOR POTHOLES IN ENGLAND? WE REVEAL THE TOP 10 SPOTS FOR DRIVER COMPLAINTS, WITH CUMBRIA TOP The North West county beat southern regions Hampshire and Surrey to the unwanted title according to reports logged on the Fill That Hole website in 2021. * 668 comments * 1 video * 201 shares Worst areas in England for potholes revealed with Cumbria top I GOT A £450 LV RENEWAL BUT FOUND THE NEAR SAME POLICY FOR £310 - AND IT CUT MY PRICE TO £314: IS THIS PROOF INSURERS ARE STILL CHARGING LOYAL CUSTOMERS MORE? When Richard Ansell received notification of his new premium, he was shocked - a 15 per cent increase, so he decided to turn detective. * 308 comments * 73 shares LV customer gets £450 renewal quote, then finds SAME policy for £310 SAVE MONEY, MAKE MONEY: TIPS AND GUIDES HOW TO CHOOSE THE BEST (AND CHEAPEST) DIY INVESTING ISA - AND OUR PICK OF THE PLATFORMS Choosing the right DIY platform is crucial but a wealth of choice and a variety of charges can leave investors scratching their heads. We pick some of the best. 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. * 246 comments * 272 shares How to choose the best (and cheapest) DIY investing Isa OUR SAVINGS PICKS: THIS IS MONEY'S FIVE FAVOURITE BEST BUY CASH ISAS We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year * 406 comments * 1 video * 55 shares Best cash Isas: Where to get the best cash Isa rates and deals WHAT NEXT FOR MORTGAGE RATES? INTEREST COSTS ON THE RISE FOR EQUITY-RICH BORROWERS FOLLOWING BASE RATE INCREASE Following months of historic lows, mortgage rates are starting to edge up for many borrowers following a rise in the Bank of England's base rate. * 371 comments * 1.5k shares What next for mortgage rates? HOW TO INVEST IN SHARES: YOUR GUIDE TO SUCCESSFUL STOCK-PICKING If you are interested in buying shares or know more about unearthing good companies and valuing them, read our guide to share investing. * 78 comments * 1 video * 4 shares How to invest in shares: A guide to becoming a successful stock-picker TEN TIPS FOR BUY-TO-LET: THE ESSENTIAL ADVICE FOR PROPERTY INVESTORS Buy-to-let lost some of its spark in recent years but that might be about to change as new tax cuts and low mortgage rates have caused landlords to flock back to the market. * 400 comments * 1 video * 1.8k shares Ten tips for buy-to-let - the essential guide for investors PREMIUM BONDS WINNERS Prize Area Value of bond £1,000,000 Hertfordshire £12,000 £1,000,000 Lancashire £5,000 £100,000 Northamptonshire £1,250 £100,000 Surrey £2,000 £100,000 London £5,000 £100,000 West Midlands £450 £100,000 Leeds £5,000 £100,000 Cambridgeshire £40,000 More January 2022 winners View list of January 2022 winners BE A SUCCESSFUL INVESTOR * This is Money's brilliant guide now available on the Kindle Advertisement Compare Money Transfer Deals Individual Business Sending from: UK (GBP) UK (GBP) Most Selected Countries Australia (AUD) Australian Dollar Canada (CAD) Canadian Dollar France (EUR) Euro Hong Kong (HKD) Hong Kong Dollar New Zealand (NZD) New Zealand Dollar Spain (EUR) Euro UAE (AED) United Arab Emirates Dirham UK (GBP) United Kingdom Pound Sterling USA (USD) United States Dollar All Countries Andorra (EUR) Euro Argentina (ARS) Argentine Peso Austria (EUR) Euro Bahamas (BSD) Bahamian Dollar Bahrain (BHD) Bahraini Dinar Bangladesh (BDT) Bangladeshi Taka Barbados (BBD) Barbadian Dollar Belgium (EUR) Euro Bermuda (BMD) Bermudian Dollar Bolivia (BOB) Bolivian Boliviano Brazil (BRL) Brazilian Real Bulgaria (BGN) Bulgarian Lev Cayman Islands (KYD) Cayman Islands Dollar Chile (CLP) Chilean Peso China (CNY) Yuan Renminbi Colombia (COP) Colombian Peso Costa Rica (USD) Costa Rican Colon Croatia (HRK) Croatian Kuna 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Poland (PLN) Portugal (EUR) Qatar (QAR) Romania (RON) Russia (RUB) San Marino (EUR) Saudi Arabia (SAR) Serbia (EUR) Singapore (SGD) Slovakia (EUR) Slovenia (EUR) South Africa (ZAR) South Korea (KRW) Sweden (SEK) Switzerland (CHF) Taiwan (TWD) Thailand (THB) Turkey (TRY) Uganda (UGX) Ukraine (UAH) Uruguay (UYU) Vietnam (VND) THIS IS MONEY ON TWITTER * > This is Money * > Simon Lambert * > Lee Boyce * > Tanya Jefferies * > Helen Crane * > Myra Butterworth * > Rob Hull * > Grace Gausden * > Angharad Carrick * > Mike Sheen * > Harry Wise THE INVESTING SHOW * BP and Shell shares have bounced 45% in a year and pay big dividends, but will they be held back for not being green? * Gresham House's Ken Wotton on why he gets stuck in to back small companies that can win big * The hunt for exceptional companies that bring disruption and big returns: Baillie Gifford US Growth's Kirsty Gibson * Where investors can profit in the dividend recovery- the firms bringing back payouts for shareholders * Investing in the best of British smaller companies can pay off in the Covid recovery: Georgina Brittain * 'Crypto is the poster child of empty calorie speculation': Barry Norrison how inflation could affect growth stars, value shares and bitcoin * Are Lloyds, NatWest, Barclays and HSBC primed for recovery profits - and will investors ever fall back in love with bank shares? * Tom Becket: Will investors profit from a Roaring Twenties stock market or face a return to low growth with even more debt? * How we invest in companies helping the planet: Jupiter Green manager Jon Wallace * A simple mix of shares, bonds and cash doubled investors' money in five years: Baillie Gifford Managed Fund's Iain McCombie * Nick Train: 'As long as you're not taking an apocalyptic view, there's plenty to be optimistic about' * Can Scottish Mortgage keep climbing? We ask Tom Slater about its 105% return in a year, Tesla, and investments for the future * 'UK equities could be the perfect way to play a global reopening at a fair price': Tom Becket Advertisement MOST READ MONEY * A £12MILLION haul of bonkers Bugattis Three of 30 304.8mph Chiron hypercars built have arrived in the UK ready for delivery to super-rich customers * Saver, 31, who lost her £9,000 life savings to a parcel text scam asks her banks... 'Why wasn't it flagged and why won't you pay the money back?' * The ultimate party pad? Swedish DJ Eric Prydz is selling his £1.55m London home with indoor hot tub included in the mix * Do YOU live in one of the worst areas for potholes in England? We reveal the top 10 spots for road user complaints, with Cumbria top * Do you have a second home or holiday let? Here's how the Government's new tax crackdown could affect you * Is this really Britain's new king of cars? Vauxhall's Corsa ended Ford's 50-year top-selling run - we spent a fortnight driving one to find out if it's better than the Fiesta * I'm trying to help the planet by getting solar panels But EDF won't give me the new smart meter I need - and night-time tariffs are a nightmare... * HETHERINGTON: I lost my purse, someone took out a loan in my name from Thamesbank Credit Union Now I could lose my dream home * I've been unable to get a state pension credit for time I couldn't work during pandemic - can I challenge this? Steve Webb replies * 'I turned down £1m to quit the BBC, that felt a bit stupid' Esther Rantzen on getting paid more than the men and her loyalty to That's Life * MIDAS SHARE TIPS Ex-coal firm Hargreaves Services reinvents itself and turns in a 5% yield for investors * Could these Platinum Jubilee coins make you a mint? New coins celebrate Queen Elizabeth, from special gold sovereigns to a 50p that could turn up in your change * Inflation and low rates is proving a nightmare for cash savers So banks must stop procrastinating and give them a rise, says JEFF PRESTRIDGE * What a herd of mavericks who took on hedge funds can teach you about investing A year from the Game Stop frenzy, what have we learned? * Absolutely fabulous Fabia Skoda's fourth-generation hatchback demonstrates staying power, says RAY MASSEY * Steven Bartlett interview The new Dragon in the Den joins us for a special This is Money podcast STEVE WEBB ANSWERS YOUR PENSION QUESTIONS * What should I do about the gaps in my state pension record that the official website says it is still 'checking'? Steve Webb replies * How are annual state pension increases worked out because I'm baffled by all the separate figures? * My 95-year-old mum missed out on council tax benefits for 18 years - how can she get her money back? * If I enter a civil partnership with a close friend will this affect her state pension? * If I had to use my pension to pay £50,000-a-year care home fees, would it be taxed at the higher rate? * A six-year chunk of my NHS work record is missing - is the pension I built up in that time lost too? * Should I retire earlier from teaching to avoid unfavourable new rules hitting my pension? * How have I earned a £212-a-week state pension after paying NI for only 31 years? * Why must I wait a further seven months after I turn 66 to receive a state pension? * I was left with nothing when I divorced my husband, so am I entitled to a share of his private pension? * Today's headlines * Most Read * Only working from home could damage women's careers: Aviva boss Amanda Blanc warns against men dominating... * Inflation for rich and poor households is almost identical - but those on low incomes are worst hit as they... * PROPERTY CLINIC: What is the best way of removing mould in my home and ensuring that it doesn't return? * Britain's new £1.7m supercar: Legendary F1 designer Gordon Murray unveils the T.33 which will be built in... * If VAT is removed from energy bills will the cut be passed on to customers on fixed tariffs and how much... * The cheap money bubble bursts: Britain's economy faces a double whammy of higher rates and higher taxes,... * Can we do anything to stop our energy bills soaring... and is there any point trying to fix? This is Money... * Genesis will rock you! Hyundai 's GV70 Shooting Brake hits all the right notes, says RAY MASSEY * MARKET REPORT: The Hut Group crashes again as its commercial director Steven Whitehead offloads £8.5m worth... * ALEX BRUMMER: In uncertain times stocks and shares, based on real companies, are considered risky -... * Experts warn Shell and BP could find it 'impossible' to work in Russia if it invades Ukraine * H&M sets out plans to double sales by 2030 as it draws a line under pandemic: Swedish fashion giant hails... * Lewis Hamilton enters rapid grocery wars by taking part in £150m funding round for Zapp * British banker found guilty of rigging Libor lending rate sees his conviction overturned * The ultimate profit machine: Apple rakes in £26bn in just three months to report the biggest profit in... * MORE HEADLINES * Britain's new £1.7m supercar: Legendary F1 designer Gordon Murray unveils the T.33 which will be built in Surrey and deliver 'absolute driving perfection' * Are you prepared for new driving rules from today? Ten Highway Code changes motorists must know - including priority for cyclists and pedestrians at junctions * If VAT is removed from energy bills will the cut be passed on to customers on fixed tariffs and how much could I save? * All councils to be given powers to fine motorists £70 for minor offences such as driving in cycle lanes and unlawfully stopping in box junctions from June * BUSINESS CLOSE: FTSE 100 dips 1.2%; Mike Lynch loses court battle with HP; Cineplex cross-appeal made against Cineworld * Inflation for rich and poor households is almost identical - but those on low incomes are worst hit as they can't escape soaring energy and food prices * Can we do anything to stop our energy bills soaring... and is there any point trying to fix? This is Money podcast * Financial abuse victims are left with an average 'coerced' debt of nearly £5k and require help to relearn basic money skills, campaigners warn * Worried about that expensive gym contract you're already not using? Trim yourself AND your budget with these cheaper ways to get fit instead * Learners will have to wait almost three times longer to rebook failed driving tests: Plan to extend period to 28 days will make people 'think twice' about if they're ready * Only working from home could damage women's careers: Aviva boss Amanda Blanc warns against men dominating the return to the office * Capita agrees sale of software company Trustmarque for £111m to private equity group as it pushes ahead with reshuffle to slash debts * Legal battle between Cineworld and Cineplex over aborted merger heats up as Canadian chain files cross-appeal * Buy-to-let lender Paragon sees strong start to the year as landlords and SMEs take on more loans * MARKET REPORT: The Hut Group crashes again as its commercial director Steven Whitehead offloads £8.5m worth of shares * MOST READ IN DETAIL MIDAS SHARE TIPS * MIDAS SHARE TIPS: Ex-coal firm Hargreaves Services reinvents itself and turns in a 5% yield for investors * MIDAS SHARE TIPS UPDATE: Gaming gets serious as our tip Keywords Studios rises 17-fold in seven years * MIDAS SHARE TIPS: Kooth works with NHS and other organisations to help sufferers from mental health issues * MIDAS SHARE TIPS: You'll warm to investing in trendy radiators with Stelrad - a company with a history stretching back to the 1930s * MIDAS SHARE TIPS: 4Global helps public and private sector bodies to make physical activity more accessible - that'll be a WIN WIN! * MIDAS SHARE TIPS UPDATE: Cash in on making dealing with red tape easier with tech expert Ideagen * MIDAS SHARE TIPS 2021 WINNERS AND LOSERS: Our streaming hits and futuristic farms grew your money, but a cool textiles firm felt a chill * MIDAS SHARE TIPS: Throw in with top dealmaker K3 Capital, which started out selling chip shops * MIDAS SHARE TIPS UPDATE: Potash firm Emmerson doubles since March 2019 * MIDAS SHARE TIPS: Bottoms up! With Christmas just around the corner, festive cheer is flowing at Virgin Wines * MIDAS SHARE TIPS UPDATE: Irn-Bru maker AG Barr is gaining strength * MIDAS SHARE TIPS UPDATE: Film star George Clooney's tequila perks up Diageo FUND AND TRUST IDEAS * WAVERTON REAL ASSETS FUND: Backing stocks that can pay dividends from the changing way people shop * RC BROWN UK PRIMARY OPPORTUNITIES: The minnow making waves from flotations * THE BANKERS INVESTMENT TRUST: A steady Eddie with 55 years of rising dividends that investors can bank on * SCOTTISH AMERICAN INVESTMENT COMPANY: The trust that's delivered a 48-year record on resilient dividends * JOHCM CONTINENTAL EUROPEAN FUND: Long-term investors have been rewarded and returns could rise further despite Covid * AEGON GLOBAL SUSTAINABLE EQUITY: Sustainability? It's been in our DNA for years * TELLSONS ENDEAVOUR FUND: Hate surprises? This £58m fund could be for you * CERNO PACIFIC FUND: Boutique investment house specialises in unearthing winning companies * BARINGS EMERGING EMEA OPPORTUNITIES: Trust makes 61% extracting gains from Europe, the Middle East and Africa * FIDELITY EUROPEAN TRUST: A £10,000 investment would have grown to £500k in 30 years - and profits could keep rolling in LATEST: MORTGAGES * Property price growth shows signs of SLOWING... but buyers are still forking out £25,000 more than they were at the start of 2020 * Habito hikes rates on 7x income 'lifetime' mortgages just a month after launch, adding tens of thousands in interest for those on longer fixes * Home buyers can now borrow 7 TIMES salary with mortgage lender Habito... but they have to fix for at least 15 years * Equity release hit new high in 2021 as over-55s tapped cash in their homes to cope with cost of living crisis: Average borrower now takes £125k loan * Do you have a second home or holiday let? Here's how the Government's new tax crackdown could affect you * House sales continued to bounce back from October's slump in the run-up to Christmas - but will it last? * House prices will keep rising this year as potential buyers still far outweigh properties put up for sale, Rics estate agents warn * Official property inflation hits 10%: House prices surge £25k in a year and keep climbing after the stamp duty holiday but headwinds lie ahead * Cost of living crisis puts squeeze on mortgages: Soaring bills mean borrowers could miss out on new homes as banks cut lending MORE HEADLINES LATEST FROM SAVING & BANKING * Best savings rates: Savings platforms to manage your money in one place - with easy-access, fixed-rates and notice accounts and bonus boosters * Financial abuse victims are left with an average 'coerced' debt of nearly £5k and require help to relearn basic money skills, campaigners warn * Nationwide finally ups the rates on SOME of its savings deals, but its key easy-access and fixed rate offers won't budge * Three of the biggest building societies WILL finally raise rates for savers after December's BofE decision - but others, including Nationwide, fail to do so * A small way to fight back against the rising cost of living: Santander launches juicy £140 current account switching offer and cashback on bills * Looking for a better bank? This is Money's pick of the best current accounts for interest, perks, packages and overdrafts * Amount withdrawn from cash machines fell EVEN further last year and expert says usage will never return to pre-pandemic levels * Now Yorkshire Building Society launches a lottery-style savings account with 10 monthly £1,500 prizes and a 1% rate: Here's how it compares * My grandson lives abroad and wants to cash in his Premium Bonds: Does he need to provide an adult signature and have a UK bank account to do so? * Family Building Society launches best buy easy-access savings deal - will base rate rise finally start filtering through to savers? MORE HEADLINES ANSWERS FROM THE EXPERTS * If VAT is removed from energy bills will the cut be passed on to customers on fixed tariffs and how much could I save? * GRACE ON THE CASE: I lost £40k after falling for an online scam and need the funds as I have terminal cancer - is there any way of getting it back? * ASK TONY: Storm trolley damage to our car means we have fewer reasons to shop at Morrisons! * Help! My brother barred me from our parents' funerals and now refuses to sell the home they left to us both - what can I do? * TONY HETHERINGTON: I lost my purse, someone took out a loan in my name from Thamesbank Credit Union, now I could lose my dream home * I'm trying to help the planet by getting solar panels, but EDF won't give me the new smart meter I need - and night-time tariffs are proving a nightmare * GRACE ON THE CASE: I can no longer afford to keep chipping away at my £13k Dartford Crossing debt for using it 64 times without paying... * ASK TONY: Why wouldn't anyone refund our £5,000 cruise after travel firm went bust in the pandemic? * One digit wrong in a sort code... and £2,000 vanished - but neither RBS nor Lloyds can find my cash: TONY HETHERINGTON investigates * My ex was convicted of fraud and hasn't paid for our mortgage in years, but now our five-year fix is ending and he won't agree a remortgage: What can I do? MORE HEADLINES TOURIST RATES Currency Rate Buy now Updated 29 Jan 2022. Euro 1.175 Buy Now US Dollar 1.31 Buy Now Australian Dollar 1.855 Buy Now Barbados Dollar 2.549 Buy Now Brazilian Real 4.893 Buy Now Bulgarian Lev 2.242 Buy Now Canadian Dollar 1.65 Buy Now Chinese Yuan 8.699 Buy Now Croatian Kuna 8.752 Buy Now Czech Koruna 28.5 Buy Now Danish Krone 8.621 Buy Now Hong Kong Dollar 10.08 Buy Now Hungarian Forint 414.1 Buy Now Icelandic Króna 163.0 Buy Now Indian Rupee 87.48 Buy Now Indonesian Rupiah 17814.0 Buy Now Israeli New Shekel 4.036 Buy Now Jamaican Dollar 163.1 Buy Now Japanese Yen 149.9 Buy Now Jordanian Dinar 0.8883 Buy Now Kenyan Shilling 143.9 Buy Now Malaysian Ringgit 5.3 Buy Now Mexican Peso 26.68 Buy Now New Taiwan Dollar 33.94 Buy Now New Turkish Lire 17.25 Buy Now New Zealand Dollar 1.974 Buy Now Norwegian Krone 11.68 Buy Now Polish Zloty 5.284 Buy Now Romanian New Leu 5.674 Buy Now Russian Rouble 75.14 Buy Now Singapore Dollar 1.754 Buy Now South African Rand 20.06 Buy Now South Korean Won 1515.0 Buy Now Sterling 1.0 Buy Now Swedish Krona 12.22 Buy Now Swiss Franc 1.203 Buy Now Thai Baht 42.75 Buy Now UAE Dirham 4.753 Buy Now Vietnamese Dong 27664.0 Buy Now LATEST ON HOUSEHOLD BILLS * 'I cry a lot these days': Three out of four older people are afraid about rising food and energy bills, warns charity * Inflation for rich and poor households is almost identical - but those on low incomes are worst hit as they can't escape soaring energy and food prices * Worried about that expensive gym contract you're already not using? Trim yourself AND your budget with these cheaper ways to get fit instead * 'The cap is the only option for most': Energy price cap now level with the 10 cheapest variable deals available as bills climb in the cost of living crisis * Could you go a month without splashing out on any treats? Meet the people who did 'no-spend January' and saved a small fortune * Rein in the broadband bandits: As millions face internet and phone bill hikes of 10%, watchdog must clamp down on firms' sneaky small print * Annual energy and insurance bills FELL slightly last year thanks to car cover costs reversing - but prices will soar in 2022 * I got a £450 LV renewal but found the near same policy for £310 - and it cut my price to £314: Is this proof insurers are STILL charging loyal customers more? * 'I ordered six bottles of wine but got five and lost my 25% Sainsbury's discount': It's the principle not the £7.44 that counts * Energy firms were mocked for their tips to stay warm, was it fair? Toby Walne does star jumps and hugs pets...and concludes - What a load of HOT AIR MORE HEADLINES LATEST FROM CARDS & LOANS * The best credit cards rated: Our pick of the top deals for cashback, rewards, clearing debt, airline points and travelling abroad * Number of young people seeking help with debt, credit cards and loans more than TREBLES in five years: How can Gen Z manage their money better? * Two in five young adults used buy now, pay later last year driven by fashion and tech purchases - but some even used it for food and drink * Amazon launches buy now, pay later in Britain after partnering with Barclays: Will more big banks soon want a piece of the action? * American Express and BA launch Avios deals for new and existing card holders keen to boost their points pots and holiday more this year * How to get out of the red in 2022: Eight steps to help you get out AND stay out of debt in the New Year * Could this be the perfect time to shift and clear your debt? Credit card borrowers could save £1,300 by switching to a balance transfer card * Almost 8M Britons owe money on buy now pay later: Are we on the cusp of a debt crisis or is it less risky than using a credit card? * Klarna launches a way for desktop shoppers to buy now and pay later with 'many more' retailers... but BNPL debt worries still loom large MORE HEADLINES LATEST FROM INVESTING * Great Scot! As tech turmoil wipes 33% off Scottish Mortgage, is now a good time to buy... or run for the hills? * SINCE YOU ASK: Here we explain baffling stock market terminology and how you might stand to profit - this week it's share buybacks * High inflation, interest rate hikes and a tech sell-off: Is this the end of the bull run for US shares that has sent markets soaring - and what should investors do? * The price is right! How to spot companies with strong pricing power whose shares can profit from rising inflation * Compare the best DIY investing platforms and stocks & shares Isa * Don't let Putin blow a hole in your portfolio: As Russian aggression at Ukraine sends shares plummeting, how to protect your investments * From RWS to Strix, the little-known smaller companies boosting investor income - with almost 200 listed on AIM now paying dividends * SMALL CAP SHARE IDEAS: Newly listed gene therapy firm Genflow Biosciences takes unique route to target key aspects of ageing * WAVERTON REAL ASSETS FUND: Backing stocks that can pay dividends from the changing way people shop MORE HEADLINES TOP CALCULATORS * Historic inflation: how the value of money has changed The effects of inflation since 1900 and what past prices mean today * True cost mortgage tool - rates AND fees Compare the cost of rival fixed and tracker rate mortgages * Monthly or lump sum savings calculator How much a regular monthly savings scheme could make or a lump sum could be worth. * NordVPN - Internet security Get a discount code to save on your internet security * Currys - Offers and deals Discover a range of promo codes on kitchen appliances * Vodafone - Mobile and broadband Get great deals on existing and new plans * Samsung - Mobile upgrades Upgrade your phones with these mobile deals * Dell - Computers and laptops Click through to score Dell's discount code * HP - Save on Electronics Score discounts on desktops and laptops * Money Home * Business * Saving & banking * Investing * Bills * Cars * Holidays * Cards & loans * Pensions * Mortgages * Experts * Buy-to-let Sitemap Archive Video Archive Topics Index Mobile Apps Screensaver RSS Text-based site Reader Prints Our Papers Top of page Daily Mail Mail on Sunday This is Money Metro Jobsite Mail Travel Zoopla.co.uk Prime Location This is Money is part of the Daily Mail, Mail on Sunday & Metro media group dmg media Contact us How to complain Advertise with us Contributors Terms Do not sell my info Privacy policy & cookies Advertisement Advertisement DMG Media and its partners process, store and/or access information on a device. 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