Money transformation: ‘I inherited my mother’s home – should I become a landlord or invest?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Elena Todorova, director of SPF Private Clients If Mrs Gross sells her property and assumes the worst-case scenario – needing to repay £250,000 with £164,000 – she will need to raise £86,000. A £86,000 loan is a safe bet. Fixed rate mortgages it … Read more

Where millennials buy affordable housing

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Stockport’s ancient market comes alive on Friday evening as workers prepare for the weekend. Grazing on street food, sipping beer and listening to live music, Stockport’s monthly ‘Foodie Friday’ has become a huge draw and a symbol of how this industrial city, so … Read more

“Three jewels fell off my £600 wedding shoes and I want a refund”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, My story began in 2020 when I bought a pair of decorated ones shoes for my wedding. They cost £570, excluding postage … Read more

‘NHS error in care cost us £250,000’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Thousands of families are having to sell their homes and cut into their inheritances because the NHS wrongfully denied free care to seriously ill relatives. It is now being forced to pay back millions of pounds – often years after the patient’s death. … Read more

These two stocks can weather the recession and take advantage of the recovery

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Its debt-to-equity ratio currently stands at about 23 percent, and its policy of ensuring that half of all loans are fixed-rate is likely to prove beneficial in the current period of rising interest rates. Its average cost of debt is 4 percent, while … Read more

How to protect your retirement from raising the state pension age

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Hundreds of thousands of pension plans are hanging in the balance following the government’s proposals to increase the state pension aged up to 68 earlier than planned. Ministers want to overhaul the age at which pensioners receive state support a national treasury of … Read more

The end of the pandemic-era ‘race for space’ as demand for houses declines

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Demand for house purchases is falling more than for apartments, va a reversal of the pandemic-era “race for space.”as incredibly high mortgage rates reduce affordability. The number of inquiries from potential buyers has fallen by 47 per cent for houses since September’s mini-budget, … Read more

‘We lost a third of orders after the Tories raised taxes’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Small businesses used to be the backbone of the British economy. But the reality increasingly involves sleepless nights, relentless anxiety and overburdened bank accounts as inflation is destroying British entrepreneurial dreams. Many endured months of shutdowns, then faced rising wholesale prices, big jumps … Read more

Can you really live with a Citroen Ami? We put the dinky EV to the test

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE ‘I met this car on Friday, took it for a drink on Sunday, we were at the recycling centre by Wednesday…’ Ladies, gentlemen, Craig David enthusiasts… say ‘bonjour’ to the electric Citroen Ami. It’s Britain’s cheapest, smallest, slowest and shortest-range new car on … Read more

Make Cybercrime Pay: Profit in the war against hackers and rogue states

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Companies like Blancco, CrowdStrike, Darktrace, Arqit, KnowBe4, Palo Alto, Splunk, and Qinetiq may not be household names. But these are just some of the US and UK players listed in cyber security, a $120bn (£99bn) global market whose technologies are increasingly important to … Read more

90,000 first-time buyers face risk of negative equity remortgage

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE With house prices falling by 8 per cent, 16 per cent of home owners aged 16 to 34 will fall into low or negative equity in the next two years, according to research center the Resolution Foundation. Negative equity becomes a problem for … Read more

Cash-strapped shoppers are turning to loans to finance Black Friday spending

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Cash-strapped shoppers have turned to credit cards to pay for Black Friday deals as they grapple with the cost of living crisis. Banks and major retailers say shoppers are spending more on loans than usual. Barclays said it saw a 4.9% increase in … Read more

Do British strikers really deserve a pay rise?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Industrial action is hitting hard this winter as teachers, postal workers, railway workers and nurses across the country vote to walk out. The wage increase was at the center of disputes, while union representatives are scrambling to help workers cope with the rising … Read more

Our Wealth Preserver ‘mini’ portfolio is six months old – here’s how it’s performing

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The company’s half-year results showed that reduced-risk products such as heated tobacco continued to grow rapidly and were likely to become an increasingly important part of its business. Furthermore, its pricing power, which derives from the relatively inelastic nature of demand for cigarettes, … Read more

“British Gas kept misleading me when I claimed payment for solar”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When Peter Brown installed solar panels on his Northumberland home in August 2021, he hoped to recoup his investment in less than a decade, by selling energy back to the grid as part of the government’s Smart Export Guarantee. Despite skyrocketing energy bills, … Read more

Top savings rates are falling, but signing up for the platform could increase your interest

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The products featured in this article have been independently selected by This is Money’s expert journalists. If you open an account with star links, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence. Interest … Read more

Share your old-fashioned home heating tips and save money at the same time

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE It seems like you’re hardly moving these days for energy and heat saving tips as winter approaches and the nights get colder and colder. With the typical household bill now capped at £2,500 a year, it’s never been more prudent to stay warm … Read more

Investors should reassess if a company’s leadership changes – we’ve done just that with this stock

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Unilever has the financial wherewithal to make further changes to its portfolio – particularly through acquisitions while asset prices are low – thanks to its strong balance sheet. Its net debt-to-equity ratio of 125 percent is favorable for the company’s size and diversity. … Read more

M&S and Morrisons are stockpiling eggs as farmers warn shortages could last six months

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Farmers were warned the egg shortage could last until next summer as M&S and Morrisons became the latest supermarkets to restrict the sale of boxes in their stores. Supermarket giants joined in Tesco, Asda and Lidl in limiting the number of eggs customers … Read more

Average five-year fixed-rate mortgage falls below 6%

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Average five-year fixed mortgage rate fell below 6% for the first time in seven weekswith a growing number of lenders now offering deals below 5pc. Brokers predict interest rates will continue to fall, with analyst Moneyfacts reporting that the average five-year fixed rate … Read more

Millions of first-time buyers delay buying a home due to mortgage interest rates and cost of living

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The cost of living crisis has forced more than a million hopeful first-time buyers under the age of 45 to put their plans on hold, new Aviva research has revealed. One in five respondents said the cost of living crisis and inflation made … Read more

The new bond pays a record 12% interest

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Investors are offered 12% annual interest, which reduces inflation, if they lend money to a finance company for five years through a “junior bond”. fixed rate bond, which will be traded as a stock on the London Stock Exchange, is offered by International … Read more

How to check the energy efficiency of devices and reduce bills

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Shoppers looking for a bargain fridge, washing machine or TV during this week’s Black Friday shopping event may want to check the energy efficiency of their appliances for even bigger savings. Most households are paying more for their energy and will continue to … Read more

OBR criticized for ‘unbelievably high’ mortgage rate forecast

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE But Pantheon said the OBR’s new forecast was “unbelievably high”. It added: “We think the OBR is a bit too gloomy. After careful review, we believe it overestimated the size of the hit from mortgage refinancing next year.” Pantheon said the new forecast … Read more

“The Le Creuset pot arrived broken, but Evri denies that it fell on the floor”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, My wife bought a used Le Creuset casserole on eBay. It was in excellent condition. But you can imagine my wife’s disappointment … Read more

Jason Fox, who dares to win: “My special forces mentality means I’ve never wanted to buy a home”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Jason Fox, known as “Foxy”, 46, is a former master of the Royal Navy and a sergeant in the elite Special Boat Service. He served in the military for 20 years before being medically discharged due to post-traumatic stress disorder (PTSD). He has … Read more

“I found an old Premium Bond but NS&Won’t tell me if I’ve won the £1m prize”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, My husband and I were looking through old papers and found an old one Premium bond worth £5 with my name on … Read more

What we wanted to know about buying a newly built house

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE “You see, the problem I have is that at the end of the day I’m not an electrician,” said our contact in the sales office after we reported that the lights in the house were not where we asked them to be. We … Read more

Log burners are sold out as homeowners prepare for winter power outages

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Wood stove are disappearing from sale as desperate households look for old-fashioned ways to beat them energy crisis. Manufacturers have warned that the recent increase in demand, coupled with production backlogs due to Covid, means that certain models will not be available until … Read more

Tate & Lyle may be an oldie, but its new strategy is modern and a must-have

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Financial position of the company it also offers room for growth through acquisitions. It has already completed two major acquisitions this year and said in its half-year results that more could be on the horizon. Its balance sheet could cope with significantly higher … Read more

Wood stoves are sold out as families look for ways to stay warm

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Wood-burning stoves are disappearing from sale as desperate households look for old-fashioned ways to cope energy crisis. Manufacturers have warned that the recent increase in demand, coupled with production backlogs due to Covid, means that certain models will not be available until next … Read more

Mortgage relief hidden in the autumn statement could cushion the fall in house prices

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE A mortgage relief scheme buried in the Autumn Statement will provide a lifeline for struggling families and potentially cushion falling house prices, experts say. The Treasury will extend support for low-income homeowners struggling with high mortgage costs. People with Universal Credit will now … Read more

“We’re always collecting World Cup stickers – our collection is worth £7,000”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When asked about the size of their sticker collection, the self-described “couple of football collectors” said it was “uncountable”. When pushed, Euan Kane, 36, put the number at “around 5,000”. With the resale price of used shirts or balls in the four figures, … Read more

Monthly car payments for some models are 40% higher than 3 years ago

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Motorists considering buying a new model using car finance face shelling out 40 per cent more in monthly payments than they would in 2019, according to a mystery shopper market review. Analysis of What Car? of typical finance deals on offer for five … Read more

Why Jeremy Hunt won’t save Britain from falling house prices

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE For those first-time homebuyers during the post-pandemic boom at the peak of the market, the outlook is bleak. Sarah Glen, 40, bought her first home in 2017 and is already in negative equity. Ms Glen, who spoke using a pseudonym, bought the £257,500 … Read more

Two million pay 60% of income tax

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Sean McCann of NFU Mutual said: “By then the marginal value will not have changed for 18 years – pulling more and more people into a higher marginal tax rate as wages rise to keep up with inflation.” He added: “Earnings between £100,000 … Read more

“I would never fire a fund manager just because he loses our money”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Although Alliance Trust’s heritage dates back to 1888, it is arguably best known for its transformation in April 2017 when it appointed investment adviser Willis Towers Watson to manage its assets using a “multi-manager” approach. Over the past five years, the £2.9bn investment … Read more

Christmas mail must be sent before the end of November to beat strike chaos, experts warn

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Christmas cards and gifts should be sent by the end of this month to avoid delays due to Royal Mail strikes, experts have warned. Millions could see their deliveries disrupted new strike days are announced by the Communication Workers’ Union December, including Christmas … Read more

Owning tax-advantaged stocks is more important than ever – and this healthcare company fits the bill

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Since we first tipped the stock in March 2017, it has gained 71 percent; since being added to our IHT portfolio in January 2018 it has grown by 20%. It now trades at around 25 times forecast earnings. While this is high compared … Read more

Four ways the Autumn Statement affects motorists and electric cars

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Chancellor Jeremy Hunt’s most controversial Autumn Statement announcement for motorists was the ending of VED exemption for electric cars, with owners forced to pay road tax from April 2025 The cost of running an electric car is set to rise dramatically from 2025 … Read more

A boon for pensioners as Huntback sees state pension rise

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Millions of pensioners will receive their biggest ever pay rise next spring as the State Pension is on track to top £10,000. Government confirmed that he would keep his “triple lock” manifesto promise. and the new weekly state pension will rise to £204 … Read more

In less than an hour, Jeremy Hunt delivered the death sentence on the aspirations of a generation

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE And there is no escaping the tax onslaught. We are now at the mercy of inflation, with frozen thresholds for everything from income to inheritance. It is a pincer for our wages and our wealth. Inflation was harmless at around 1 percent when … Read more

This emerging market confidence offers further gains for those willing to stay the course

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Investing in stocks is rarely smooth or stress-free. It is full of periods of disappointment and doubt that can drive less experienced investors to give up. However, according to Questor, it is imperative to stay with high-quality investments that offer great potential for … Read more

Tesco is rebranding its discount food to avoid putting off shoppers

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The renamed “Reduced Price” section will “offer reassurance that these products are just as good” as those that are not discounted, the retailer said. Tesco is offering fresh produce such as salads, meat, bread and sweet treats that are close to their use-by … Read more

Autumn Statement 2022: When is it and what taxes will Jeremy Hunt raise?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE How much will it cost me? Mr Hunt is said to be considering reducing the amount by £12,300 a tax-free allowance of £12,300 per half. If this falls to £6,000, a higher-rate taxpayer selling a residential property will pay 28 per cent of … Read more

The average saver will lose £2,000 to inflation this year

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ms Bowes encouraged savers to turn to lesser-known banks for more competitive rates, although best buy accounts are currently offered by high street names. The highest paying Easy Access cash Isa was from Virgin Money, where savers can earn 3pc. However, this is … Read more

Where homeowners are most exposed to negative equity

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ken McEwan of McEwan Fraser Legal, an estate agent with offices throughout Scotland, said: “The market is definitely slowing down. It’s inevitable that mortgage rates will set the market. It is impossible for the market to be pristine; housing prices must fall.” In … Read more

Ofcom tightens rules after 41 million phone number fraud attacks

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ofcom’s Lindsey Fussell said: “Spoof calls and texts are a major source of fraud and pose a clear and present danger to every phone user. Criminals are becoming more and more sophisticated and it is easy to catch you with a scam.” Telephone … Read more

Construction delays and higher mortgage rates are pushing businesses to the brink of collapse

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Mrs Leleu and her husband accepted an offer on their first home in February 2022 – a £262,000 new build in West Carclaze Garden Village, St Austell, Cornwall. In August, they exchanged contracts and paid a deposit. It was supposed to be finished … Read more

Tesco website crashes due to 290,000 queues for Christmas delivery

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Tesco shoppers were forced to wait in a queue of more than 290,000 people as they tried to book an appointment for a Christmas delivery at the supermarket. Tesco’s website crashed this morning after customers waited hours to book a prized delivery slot … Read more

Homebuilders are in a mess, but there’s still one you should buy (and one you should sell)

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Profit forecasts for Barratt, Bellway, Persimmon and Taylor Wimpey fell by between a quarter and a third in the past month; in the case of Bellway, analysts are now forecasting profit in the financial year to July 2025 to be lower than in … Read more

‘They are charging me for the old owner’s energy and threatening me with bailiffs – what should I do?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Dear ask a lawyer, My husband and I bought our first house twelve months ago. The process was arduous, not least because the vendors were terrible to deal with. They were divorcing and therefore we felt that they wanted to get the most … Read more

Autumn Statement 2022: When is it and what taxes will Jeremy Hunt raise?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Savings above the limit are taxed at 55 per cent when taken as a lump sum, so a £100,000 withdrawal could result in a £55,000 tax bill. Just over a million people were at risk of breaching their allowance before the freeze, according … Read more

Asking prices fall by £4,000 in one month

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Asking prices have fallen by £4,000 in a month, property website Rightmove has warned, with the number price reductions doubling compared to last year. More sellers are cutting prices as they face a 20 percent drop in demand from buyers spooked by sky-high … Read more

Money Transformation: ‘I have £150,000 from house sale – what should I do?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ben Yearsley, Investment Director at Shore Financial Planning The first thing I would do is put £50,000 into NS&I Premium Bonds. NS&I recently increased the prize pool rate to 2.2 per cent, meaning the odds of winning each month are now 1 in … Read more

Writer Count Nikolai Tolstoy: “I have 12,000 books from the 18th century, but I have never valued them”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When did you feel like you were making money and not making ends meet? I first felt that I was making a fair living when I received a substantial advance of £3,000 in 1975 for my book The Victims of Yalta. This history … Read more

The British stint ended when bookings dried up

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Amanda Stecker, who runs Unique Cotswold Cottages and Holiday Letology, a holiday home investor consultancy, said: “My clients are finding it harder to reach income levels than they did this time last year and have to be nervous that the bookings will eventually … Read more

Hope for buyers as mortgage rates fall below 5 percent again

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Buyers can buy a home with a mortgage for less than 5pc for the first time in at least a month as lenders finally introduce cheaper deals. The platform, which is part of the Co-operative Bank, will issue a five-year fixed-rate mortgage at … Read more

How fraudsters are now taking advantage of cashless parking

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Fraudsters take advantage the rise of cashless parking lots by fooling drivers who try to pay with a mobile phone. They are bikers they increasingly have to use their phones to pay for parking as the machines that accept cash disappear. Drivers now … Read more

‘My daughter was denied a student loan because I work abroad’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, What was supposed to be one of the best times of my daughter’s life turned into a nightmare. After two tough years … Read more

The landlord’s profit will drop to just £7

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Buy-to-let is ‘unsustainable’ Craig Fish of mortgage brokers Lodestone said: “A message from everyone of the landlords we deal with is that these rates are unsustainable.” Investors with a small number of properties are selling, Mr. Fish said. “They feel it’s no longer … Read more

Inheritance tax bills to rise by more than £100,000 under Tories

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE New analysis suggests the average inheritance tax bill will almost double under a Conservative leadership. When the Conservatives came to power in 2010, the average amount a family paid in IHT was £165,875. This has already risen by almost £50,000 to £215,652 in … Read more

“Gas prices don’t worry us – we produce energy ourselves”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The Knoydart Peninsula in the Scottish Highlands is so isolated that it is completely cut off from the national grid. This once proved to be a real headache for residents who were lucky enough to have electricity supply for more than four or … Read more

Landlords’ insurance claims skyrocket as tenants miss payments

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Claims for rental insurance have grown significantly because tenants are late with paymentsnew figures have shown. According to provider Alan Boswell Group, claims were up 46 percent last month compared to six months earlier. During the same period, demand from landlords also increased … Read more

Where to find Christmas holidays at the ‘best deal’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Couples looking for a winter getaway should turn to Eastern Europe this Christmas, where the cost of the cheapest city holidays has barely budged since the pandemic, a Post survey shows. The Latvian capital Riga topped the list of budget destinations for the … Read more

Phone companies that fail to block fraudulent messages should be prosecuted, Lords urges

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Phone companies that allow customers to be inundated with messages and calls from scammers should be prosecuted, a House of Lords committee said. The UK has become a “lucrative market” for international criminals who do not fear justicefound a report published today. He … Read more

Home foreclosures up 15% in three months due to high mortgage rates

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Home foreclosures rose 15 percent between July and September this year compared to three months earlier, as mortgage interest rates soared and the cost-of-living crisis squeezed household budgets. According to UK Finance, in the third quarter of 2022, a total of 700 mortgaged … Read more

“Hit and run Range Rover bump will add 50pc to my insurance”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, I parked my car next to Wimbledon Common and came back to find a note from two good Samaritans under the wiper. … Read more

The best villages in England where house prices could rise further

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE East Midlands Binbrook, Lincs Binbrook average price £232,041, 6.3 per cent above Leicestershire average Increase in sales by 90 pcs Deep in the Lincolnshire Wolds Area of ​​Outstanding Natural Beauty, this village is known to military historians for being the site of an … Read more

The future of healthcare is not in hospitals

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE It’s been a game of two halves for healthcare stocks this year. During the first six months, many were left in the cold as investors flocked to businesses that benefited from the reopening of economies. However, they have recovered somewhat since June. Gareth … Read more

Vacationers in the dark charge over €7 for a visit to Europe

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Nine out of 10 British travelers are in the dark about a new EU scheme that will they are required to pay €7 per person to visit most European countries. A new report has warned that few people know about the upcoming charges, … Read more

Income Investments Are Falling – But Here’s How We’re Growing Our Dividends

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE As income funds, property and infrastructure funds have been seen as obvious “bond brokers” and therefore suffered a similar fate, although in this column’s view, tarring these investments with the same brush overlooks the fact that bonds are true “fixed income” assets, while … Read more

Home foreclosures double as families struggle with mortgage costs

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Foreclosures have almost doubled crippling costs is forcing borrowers to fall behind on their mortgage payments, new data has shown. According to official figures published by the Ministry of Justice, bailiffs in England and Wales seized 744 mortgages between July and September this … Read more

We can’t afford a triple lockout and pay rise for nurses – but there is a solution

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Not everyone can have a pay rise that solves all their worries about the cost of living crisis. Not doctors, teachers, train drivers and not even our esteemed nurses. But the Conservatives still seem intent on sticking to their staggeringly expensive triple lock … Read more

Car finance deals fall to 12-year low as drivers feel the squeeze

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Drivers have shied away from new car leases due to concerns about high inflation and skyrocketing interest rates. A report by the Finance and Leasing Association, a trade body, found that the number of cars bought with finance has decreased in September by … Read more

‘I spent £500,000 on my Ferrari’: Inside Britain’s battle for personalized number plates

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When John Collins put down the phone after a license plate auction in 2014, he felt a sudden wave of buyer’s remorse. “Damn it, what are you doing?” he thought minutes after bidding £518,000 for a 25 O registration, setting the record for … Read more

REVEAL the most numerous speed cameras of the last year

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Biggest speed cameras in the last year REVEALED: London’s A40 cameras caught the most drivers as study reveals 1.74m caught speeding in Britain We reveal the 10 most common road sections where the most people were caught speeding in the financial year 2021/22 … Read more

We believe healthcare stocks will recover, so investors should buy these assets

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Either biotech growth or international biotech is, in this column’s opinion, a good way to address one of the big growth themes of the coming decades: the quest to cure more diseases. We still prefer these two funds to BB Biotech, the Swiss … Read more

Home sales are falling at the fastest rate since the financial crisis

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE House prices in the country started to fall in October for the first time in 28 months, with the most notable fall in East Anglia and the South East. Agents have now reported falling sales in 12 of the last 14 months and … Read more

Why is now the worst time to be a first-time buyer?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Almost all analysts expect home prices to fall in the next 12 to 24 months. Estate agents Savills and Knight Frank each predicted a 10% drop, while think tank Oxford Economics estimated a 13% drop. Any first-time buyer with a small deposit could … Read more

The safest car money can buy? Volvo unveils its new electric SUV EX90

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE by Rob Hull, Motoring Editor for MailOnline & ThisisMoney.co.uk The X90 will be the first car to monitor drivers with cameras and sensors to detect if they are falling asleep, drunk or too distracted behind the wheel. Its suite of technologies includes eight … Read more

Thanks to Putin and bird flu, the cost of the Christmas turkey has skyrocketed

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Families could pay 20 percent more for their turkeys this winter as farmers suffer worst Christmas preparations in 50 years. Costs have risen due to soaring energy and feed bills, while widespread culling forced by bird flu has further eroded profit margins. Manufacturers … Read more

The new top rate of tax could cost the highest earners thousands of pounds

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE An the increase in the top rate of income tax under consideration by Jeremy Hunt would cost the country’s highest earners thousands of pounds. The chancellor is said to be considering several proposals to raise taxes on high earners – one of which … Read more

Britain’s newfound obsession with deep fryers won’t spare a penny

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE This brings me to another unpopular prediction about the fryer, which I’m afraid to say I’m even more convinced of than the first. Far from being the antidote to the cost-of-living crisis, as the narrative heavily promoted by salespeople suggests, buying a deep … Read more

LEE BOYCE: Fix it to beat the cost of living crisis

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE What an inspiration Market Harborough Fixers are. As we report, Market Harborough Fixers a team of hard-working volunteers in a Leicestershire market town give up their Saturday mornings, rain or shine, to fix broken kettles, lights and gramophones brought in by locals. It … Read more

Millennials are more likely to fall for scams than retirees—but they’re too arrogant to realize it

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Younger adults are twice as likely become a victim of fraud like the older generation because of their overconfidence in the Internet. People under the age of 34 are most susceptible to pressure tactics used by scammers and are willing to share their … Read more

We bought this stock and made a lot of money – here’s what we do

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE It takes some of the risk out of the first step by working on some games with third-party developers, an approach described by Panmure Gordon, the broker, as “try before you buy,” while others are developed in-house. By “nurturing” it means that it … Read more

Unpopular mortgages that could shave £250 a month off your repayments

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE However, the savings compared to fixed deals are currently considerable. The average two-year tracker rate is 4.10%, compared to a typical two-year fixed rate of 6.42% – equating to a £273 monthly saving on a £200,000 mortgage. Craig Fish, of mortgage broker Lodestone … Read more

MPs are right to prosecute tax evaders – but we’re getting closer to the innocent being found guilty

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE John Cullinane of the Chartered Institute of Taxation, a trade body, told me: “There is a strong case for the wider use of enforcement, but the barriers to this are real and serious. This could easily result in less revenue for HMRC, at … Read more

Where public administration fails, Britain

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Standards have plummeted across government institutions as tens of thousands of civil servants avoid office work every day, more than a year after England was finally locked down. As public complaints mount and covid backlogs persist, some of the largest wards are barely … Read more

Investors should ignore the Bank of England – these four factors are enough to know when to buy and when to sell

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Such a low valuation and low yield may be the market’s way of politely saying that it thinks earnings forecasts are optimistic and that the result will be lower than expected, even though analysts are already predicting a 13% decline in earnings per … Read more

Why Rishi Sunak’s new tax attack means death duties are no longer just for the wealthy

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Grieving families will have to pay an extra £1bn in death benefits if Rishi Sunak extends the freeze on inheritance tax thresholds another two years, according to analysis for The Telegraph. The Prime Minister froze IHT thresholds until 2025-26 when he was chancellor … Read more

Half of drivers need financial support to keep their cars on the road

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Half of motorists will have to borrow money or ask family and friends for help to keep their cars on the road this winter, a new survey has found. The annual cost of driving a petrol car has increased by £272 from September … Read more

‘I lost £70,000 because a dishonest tenant filled my house with rotting trout’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE ‘The locks were changed and the police had to break in’ Jim Williams, 66, was costed more than £70,000 in damages and lost rent by a fraudulent tenant. Mr Williams, who has a five-strong portfolio of buys for the show and spoke under … Read more

Money Transformation: ‘How do I retire overseas but keep my £100,000 in Premium Bonds?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Martin Shirran, 70, and his wife Marion, 55, are British expats enjoying their retirement in Malaga, Spain. Despite moving to the country 22 years ago, they have kept bank accounts in the UK so they can receive their state pension and winnings from … Read more

Fracking firms plan £1bn legal battle over shale gas ban

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Fracking companies plan £1 billion legal battle to ban after government suddenly changes its mind on shale gas extraction Companies related to the sector are considering starting one or more cases Liz Truss lifted the moratorium on fracking during her brief prime ministership … Read more

Lady Carnarvon, owner of Downton Abbey: “They used a Victorian table to do some ironing and it took quite a few years to fix it”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When did you start Highclere? I married Geordie in 1999. When his father, the 7th Earl, died in 2001, we took over the management of the estate. We opened each brown envelope because we wanted to understand the financial state of Highclere. There … Read more

Families face four-month wait for inheritance as DOJ delays mount

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Charities have called for an overhaul of the Ministry of Justice as growing delays leave grieving families waiting four months for inheritances. Critics say the reliance on paper-based systems, which are slow to process, has caused great hardship for bereaved families. This newspaper … Read more

British Gas should be banned from installing pay-as-you-go meters, MPs say

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Despite the government implementation of the energy price guarantee, millions of households are at risk of falling behind on their bills this winter, with bills set to be 64 percent higher than last year. Energy providers can install a pre-paid meter if any … Read more

The restaurant “Press for champagne” banned my friend who is breastfeeding

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, A close friend of mine recently had a baby and I booked her and a group of our friends out to a … Read more

This stock offers additional profit potential after a 28% rise. Purchase

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE For example, its valve technology is used in fertilizer spraying systems to improve crop yields in an era of rapid population growth. Similarly, its valves are used to reduce vehicle emissions as increasingly stringent environmental regulations come into force. It is also investing … Read more

Homeowners are turning to 35-year mortgages

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The average two-year fixed mortgage rate was 6.45 percent on Friday, up from 2.34 percent at the start of December 2021. The average five-year rate rose from 2.64 percent to 6.6 percent over the same period, according to analyst Moneyfacts. 28 percent. According … Read more

‘I was shocked to see what the neighbors sold for’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Riding a bike Home price growth largely depends on when the property was purchased during the housing market cycle, which typically consists of leaders and laggards. Lucian Cook, of estate agency Savills, said: “Areas leading the way are those that perform best in … Read more

‘Nothing Turns You On Like An Old Singer’: Drivers Relive Their Youth And Turn A Profit

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE It might look more at home in a museum than a garage, but drivers are willing to pay more than £15,000 to turn a 30-year-old Peugeot 205 into their family car. Peugeot stopped making classic cars in 1999, but the value of the … Read more

RAY MASSEY: Toyota’s modern marvel is the GR86 sports coupe

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE There haven’t been many occasions when I’ve had more fun behind the wheel of a car. Sitting in Toyota’s GR86 sports coupe is truly a return to motoring basics, but with a modern twist. It’s a well-tuned and balanced car that incorporates the … Read more

How much the new tax crackdown on retirement savings will cost you

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE A further attack on pension savings will mean two million savers will now face taxes of up to 55 per cent of their pension funds, analysis shows. The lifetime pension is a limit on the amount of money you can save for your … Read more

High street banks cut mortgage rates due to Andrew Bailey’s call for action

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Aaron Strutt of mortgage broker Trinity Financial said this was good news for borrowers, but interest rates still remained inflated compared to the start of the year. Mr Strutt said: “There appears to be a reversal in interest rates and increases in fixed … Read more

The best Isa, bond, savings and current account courses for 2022

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The best Isa prices for 2022 Easy access: Marcus by Goldman Sachs Cash ISA – 2.50pc You can start saving from £1. You can withdraw money without penalty. But it is flexible – meaning that if you switch the money you withdraw, the … Read more

Landlords face new tax pressure on capital gains

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The chancellor is considering raising the headline rate of capital gains tax (CGT) and shaking up relief to reduce A £50 billion hole in Britain’s public finances. This would mean that a buy-to-let landlord who is a higher rate taxpayer who bought a … Read more

“BP and Shell still a bargain – even with record profits”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Investing in UK shares has felt like a brutal assault this year. So far, two prime ministers have resigned and a disastrous mini-budget has triggered the pound’s biggest sell-off in 35 years, sending many stocks into a free fall. Martin Walker, manager of … Read more

Until the Bank of England stops raising interest rates, our portfolio will suffer

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The markets were in turmoil last time inform readers about the performance of our Wealth Preserver portfolio three weeks ago. Now that some calm has returned, let’s see how things look. The investments at the center of this storm triggered by Kwasi Kwarteng’s … Read more

Baby boomers should not forget that taxpayers bailed them out in the last mortgage crisis

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Woe to anyone who suggests it is the impending mortgage crisis perhaps the worst in recent history. After years of stagnation, interest rates are now rising rapidly. This is compounded by skyrocketing energy bills, an increasing tax burden and food prices that are … Read more

A boost for borrowers as Bank of England warns mortgage rates are too high

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Some lenders are even lowering interest rates. HSBC cut interest rates on a selection of its fixed-rate mortgages by up to 0.29 percentage points on Thursday. MPowered Mortgages, a smaller lender, cut some of its fixed deals by up to 0.76 percentage points. … Read more

Banks that failed customers during the pandemic had to pay back £12 million

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Almost 60,000 borrowers have been paid a total of £12m in compensation after being forced to meet “unaffordable” mortgage and loan repayments and high bank fees at the height of the pandemic. The city watchdog has warned that payment plans for struggling households … Read more

‘Net zero’ energy scams double as trading standards warn of wave of fraud

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Households have been bombarded with calls offering bogus green home improvements, Trading Standards has warned, as fraudsters try to take advantage of the push towards ‘net zero’. Data from 10,000 call blocking devices showed an 85% monthly increase in fraudsters offering bogus grants … Read more

Four stocks you should sell as interest rates rise

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ms Lund-Yates added that low consumer confidence could also hurt the business as shoppers cut back on spending to cope with the cost of living crisis. “Boohoo customers are starting to return items more often, which suggests people are starting to realize they … Read more

Home sales will fall by more than a quarter to their lowest level in a decade

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE He comes as a first time buyer and landlord bear the brunt of the price crisis with rising interest rates. Savills expects the cost of borrowing to continue rising over the next year, predicting that Bank Rate – which mortgage lenders use along … Read more

Why mortgages may be cheaper even as interest rates rise

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Jonathan Burridge, broker at We Are Money, said: “Actually, fixed rates may come down a bit more.” Andrew Wishart of Capital Economics said: “The fall in market rates, now that sober policy-making has returned, means we may have already seen the peak in … Read more

What will the biggest interest rate hike in 33 years mean for your money?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE But while rising interest rates are bad news for borrowers, it should be good news for savers – if banks increase savings rewards in response. The latest data from the Bank of England showed the “effective rate” for new mortgages jumped 0.29 percentage … Read more

A government adviser calls for the abolition of tax breaks for landlords

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Second home owners could lose thousands in tax breaks after a government adviser called for crackdown on vacation leave. The Office for Tax Simplification has recommended that owners of furnished holiday rentals be prevented from offsetting their mortgage interest payments against their income … Read more

Jeremy Hunt should scrap misleading ‘cap’ on care costs – saving £1.2bn a year

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Any money used to pay fees from government benefits – such as Income Support, Care Allowance or Pension Credit – does not count towards the cap. Also nothing that relatives pay as an allowance – extra money to improve conditions for the person … Read more

Investors think that too much money is a bad thing – but that’s the biggest strength of this stock

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The company’s strong competitive position also means that it is confident that it will pass on higher input costs to customers today. high inflation environment. It expects to expand margins in the future, which is likely to become more rare in the FTSE … Read more

Happy customers who are being paid for their electricity usage this winter

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE While most of us are worried about skyrocketing energy costs this winter, one man isn’t. Michael Portz pays just £38 a month for his brand new terraced flat in Beverley, East Yorkshire, where he lives alone. He also receives a government payment of … Read more

Autumn Statement: How big tax rises could affect you

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Taxes should a rise for all as the government seeks to plug the £50 billion fiscal hole left by former prime minister Liz Truss’s mini-budget. Chancellor Jeremy Hunt reportedly wants to introduce a £25bn tax hike, along with £25bn of spending cuts, to … Read more

Diesel prices rise by 10p per liter in a month

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Motorists have suffered another blow as diesel prices have risen by 10p a liter in the past month, pushing the cost of filling up the average diesel car in excess of £100. The price of a liter of diesel rose to 190.49 p … Read more

Looks like someone had to sell these shares in a hurry – now is the time to buy

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Other factors could be at work as the company continues to face legislative and political pressures at home, with the threat of unexpected taxes or even the nationalization of certain assets lurking in the background, as well as the global energy crisis. It … Read more

Stamp duty refund as reward for ‘net zero’ upgrades, banks urge

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Home buyers who upgrade their properties to be more environmentally friendly British banks told the government that he should receive thousands of pounds worth of stamp duty refunds. Owners will have to pay up to £300 billion in upgrade costs to meet the … Read more

The government is considering penalty points for not wearing a seat belt

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The government is reportedly considering introducing penalty points for those caught not wearing a seat belt after it emerged that almost a third of people who died in vehicles last year were not wearing their seat belts. The latest road accident figures show … Read more

95% mortgages are at risk of disappearing from the market

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Barclays has become the latest lender to withdraw 95% mortgages amid lenders’ fears that borrowers will fall into negative equity. Low-deposit mortgages are at risk of disappearing from the market, experts have warned, with the remaining deals now charging close to 7 percent. … Read more

‘My mother has already given my brother his inheritance but she is not changing the will – what can I do?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Dear Gary, My mother is 90 years old and a widow. She has three children and made a will in which everything is divided three ways between me and my siblings. Since mom made the will, my brother got divorced. His mother gave … Read more

Real estate cold spots where buyer demand declines the most

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Demand for property in the South East has fallen by 40 per cent since then mini budget as potential buyers brace for interest rates to hit a 14-year high this week. It hit the region harder than anywhere else in the country a … Read more

Sir Ranulph Fiennes: “I took 555,000 cigarettes for bribes on the expedition”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Sir Ranulph ‘Ran’ Fiennes OBE, 78, is a researcher and writer. He crossed both polar glaciers on foot, climbed Mount Everest at the age of 65 and circumnavigated the globe along its polar axis—a 52,000-mile journey that has never been repeated. Today it … Read more

TONY HETHERINGTON: Booking.com travel didn’t exist!

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Tony Hetherington is the Financial Mail’s Sunday chief researcher, beating readership corners, uncovering the truth behind closed doors and winning victories for those left out of pocket. Find out how to contact him below. Ms. AS writes: We booked villas in Turkey through … Read more

A smart way to raise money luxury wristwatches rocket

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Stylish: The Princess of Wales wears a Cartier Ballon Bleu, adding to her appeal Despite looming austerity, the allure of luxury watches has never been stronger as investors increasingly seek tangible assets as an alternative to stocks and cash. The value of the … Read more

Thousands of divorcees are being forced to pay 10 percent more as inflation rises

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Ms Turner said the jump in payments would create pressure already strained household finances. “While statutory maintenance orders are typically in the range of £500 to £1,000 a month, a 10% increase to this is potentially an extra £100 on top of already … Read more

First-time buyers need to quadruple their deposits to beat the mortgage mess

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE New buyers are now having to quadruple their deposits to get on the housing ladder as mortgage interest rates remain at 6.5 per cent, new research suggests. Buyers must now pay 43 percent of their first home in cash if they want to … Read more

‘British Gas Engineer Broke My Mum’s Water Heater And Now She’s Facing A £5,000 Bill’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, Earlier this year my father died unexpectedly, having just moved with my mother to Surrey to be closer to me and my … Read more

How to invest when the dollar is king

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Some of the steepest stock market declines this year have come from the U.S. market, particularly in growth sectors such as technology and communications services. The blue-chip S&P 500 index fell for three straight quarters in September for the first time since the … Read more

The world is getting cleaner – and this stock is ready to benefit

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Weir’s competitive advantage over its rivals needs to be maintained and even expanded with increasing R&D spending. It grew from 1.3 percent of revenue in 2020 to 2 percent of sales in the first half of the current year and allows the company … Read more

How to increase your savings with a credit card

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Savers are returning to ‘stoozing’ – the practice of using 0pc credit cards to earn – to take advantagerising interest rates. A common holdover involves using a 0% interest credit card for everyday spending and putting the money that accumulates in your checking … Read more

Demand for multi-million pound homes is soaring despite the mortgage gloom

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Hamptons analyzed data from Countrywide, Britain’s largest property group. Buyers are at the top of the market relatively insulated from rate hikes as they are less dependent on borrowing compared to those further down the housing ladder. Harry Gladwin, of buying agent The … Read more

Higher fares lead to recovery for British Airways

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Higher fares lead to British Airways recovery: Owner IAG’s revenue back above pre-pandemic levels despite fewer passengers flying IAG recorded £6.3bn of business in the three months to September The recent increase in revenue at IAG has been fueled by higher prices Author: … Read more

“I was forced out of London because I can’t afford childcare”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE When Shineade Nicol-Sey became pregnant seven months ago, she and her husband thought they could afford another child. They kept the numbers down and the costs manageable. But then their energy bills skyrocketed, mortgage rates skyrocketed, and their the nursery increased the cost. … Read more

Why the Help to Buy attempt ended in tears

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE In the sixth year, interest on the equity loan is charged in the amount of 1.75%. This rate is then increased by the Retail Price Index plus one percentage point (or the Consumer Price Index plus two points under the current scheme). Based … Read more

Retirees suffer as pension payouts begin to decline

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Experts said, appointment of new Prime Minister Rishi Sunak may continue to calm the nerves of bond investors – and payout rates could fall even further. Annuities exchange a lump sum for a guaranteed income until death. Their salaries are mainly based on … Read more

“Income investors should ignore banks and oil stocks”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Why do you avoid certain types of stocks? Depending on the specific financial metrics we’re looking for, we naturally find more of these types of deals in certain industries. There are some notable absences in our income fund at the moment. First, we … Read more

Balanced mortgage boom as homeowners look to cut costs

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Homebuyers have turned to “offset” mortgage deals to lower their monthly payments and achieve lower interest rates. The Family Building Society said the number of monthly applications in September and October had quadrupled compared to the 2022 average. Yorkshire Building Society, another lender, … Read more

Savings rates are lower than they should be – and that’s because of Britain’s enthusiasm for NS&I

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE They are banks paying savers with lower returns than in 2009, although the prime rate is higher than it was then and Britain’s popular savings institution is a big reason for that, new data showed. The bank rate currently stands at 2.25 per … Read more

Country houses are being sold below asking price, and buyers are returning to the cities

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Almost half of the apartments are sold below the asking price, and rural properties are the most affected falling demand from cashless buyers. Soaring mortgage interest rates The proportion of properties sold below the asking price reached 47 per cent in October, compared … Read more

Rising mortgage rates are key to the risk of a UK recession as the economy stagnates

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE A toxic mix of high inflation, rising interest rates and weak economic output could push Britain into a deep recession next year. Markets are awaiting the next Bank of England Monetary Policy Committee meeting next week, which is expected to result in a … Read more

At Battle for Workers, several employers offer family support

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Employers hope so win the talent war are increasingly offering financial support or extra leave to jobseekers hoping to start a family, new data has revealed. The number of jobs offering extended leave for employees who start a family has in some cases … Read more

Retirees turn their properties into ATMs to give money to family members

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Older people have turned to home equity relief in record numbers to support their cash-strapped families amid the cost of living crisis. A record number of homeowners over the age of 55 decided to do so they are drawing money from the value … Read more

Made.com on the verge of collapse: what are my consumer rights and can I request a refund?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Online retailer Made.com is teetering on the brink of collapse and has stopped accepting new furniture orders through its website. The company has not confirmed whether existing orders will be affected, but customers may be concerned about what will happen if they experience … Read more

Immediate cut in mortgage rates after Rishi Sunak’s appointment as Prime Minister

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Some lenders cut interest rates by half a percentage point today. Accord Mortgages has discounted rates across the board. Its low-deposit mortgages, which are typically aimed at first-time buyers, saw the largest reduction, up 0.53 percentage points. Santander also cut rates on its … Read more

Affordable properties with top schools across England

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Bradford: Dixons Trinity Academy Average prices in BD5 £87,191; 44pc off the Bradford average Situated between Bradford city center and St Luke’s Hospital, Dixons Trinity Academy has always been a magnet for families moving to the area, says Amanda Flaherty of estate agency … Read more

Every stock has a bad patch – and bad results make this good company a bargain

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE According to Questor, these changes leave a more focused company operating in areas where it enjoys both a competitive advantage and the potential to exploit long-term growth as the world moves to net zero. Although the decision to sell the battery materials division … Read more

Two million workers risk being dragged into higher tax brackets

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Almost two million workers will be drag into higher income tax brackets if the limit freeze is extended until 2028. Prime Minister Rishi Sunak is said to be considering extending the current freeze on income tax thresholds and reliefs until 2027-28. The two-year … Read more

NS&I increases savings rates in all areas

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE More than 2.7 million savers will receive the October increase as in Britain the largest savings bank raises interest rates on the entire range of products. Some of the interest rates introduced today by National Savings & Investments are the highest in a … Read more

How to protect your money from political chaos

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE As Lenin once observed, “There are decades when nothing happens and weeks when decades happen.” This seems as true today as ever. I have never known a time of such uncertainty with so many people U-turns in short succession. At her party conference … Read more

We’re all trying to keep costs down – and that will only benefit investors in these stocks

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Moneysupermarket’s first-half profits, reported in July, easily beat analysts’ expectations and Duffy, after commenting on the third quarter, felt able to steer their forecasts towards the top of the consensus range. Further upgrades cannot be ruled out, as the longer the cost of … Read more

Relief for homeowners as interest rates to peak below 5%

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The mortgage interest rate is rising will be lower than previous forecasts, as the bank interest rate is expected to reach slightly less than 5 percent next year. According to Bloomberg, markets predict a Bank of England interest rate between 4.8% and 4.9% … Read more

Households have 100 days to use the barcode-free stamps

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Royal Mail has urged households to use all non-barcoded stamps within the next 100 days before they expire. As of January 31, post offices will no longer accept stamps without barcodes. Royal Mail said the change would affect “everyday stamps” with a profile … Read more

‘My wife is afraid of our new toilet ‘ghostly flushing’ and no one will fix it’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, We have recently fitted a new toilet and sink which have an interconnected water system. Once they were installed we were horrified … Read more

Money Makeover: ‘I bought my first home – can I fix it up and extend it in two years?’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Money Makeover: ‘I bought my first home – can I fix it up and extend it in two years?’ . MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE

Antiques Roadshow’s Andy McConnell: “I made £1 million in 10 years flipping houses”

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Do you use cash, debit or credit cards? It depends who is asking. I’m an antiques dealer: I like cash. All that is tax-deductible are the cards. Have you invested in real estate? Most of the money I made was in property. After … Read more

The builders charged £20 to clean our gutters and then scammed us out of £20,000.

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, In July of this year, my partner and I were victims of a crime on our doorstep. Builders turned up offering to … Read more

British holidaymakers ‘ripped off’ by booking sites

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Travel companies are charging British holidaymakers hundreds of pounds more than foreign customers, offering “unfair prices” on UK booking sites. In some cases, travelers were asked to pay significantly more than those who booked trips from other European countries, according to the report … Read more

Where to find great schools and affordable homes in London

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The words “affordable” and “London” rarely appear in the same sentence, especially when it comes to real estate prices. This gets worse when the capital’s top schools are factored into the equation. Many wealthy parents have made their way into the areas of … Read more

We’re not building enough homes – and that’s great for this developer

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Buying stocks today may seem very risky. After all, the economic outlook is extremely uncertain. Rampant inflationrapidly rising interest rates, political instability and extremely weak consumer confidence are just some of the threats that could cause stock prices to fall further in the … Read more

Last chance to grab a great savings rate

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Savers are being urged to grab high-interest deals before they disappear as the market chaos cools. Experts have warned that the highest interest rates on savings bonds could reach a peakwith many of the most attractive deals being withdrawn from the market after … Read more

Mortgage interest rates are being lowered for the first time since the mini-budget

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The drop reflects a fall in yields and expected interest rates, both of which weigh on banks’ borrowing costs, after Mr Hunt reversed the vast majority of policies in the mini-budget. Then-Chancellor Kwasi Kwarteng’s tax cuts triggered panic in financial markets and a … Read more

Homebuyer demand falls below 2019 level as mortgage rates rise

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Buyer demand has been steadily declining since the start of the year, reflecting the continued rise in mortgage interest rates. But the pace of change accelerated sharply after the mini-budget. Between then-chancellor Kwasi Kwarteng’s announcement on September 23 and October 16 alone, the … Read more

Why Britain’s debt-fuelled new car addiction is coming to an end

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE For more than a decade, rock-bottom interest rates allowed hundreds of thousands of drivers to buy expensive cars on finance contracts. But there are now growing concerns that Britain’s spending on car finance could soon collapse as repayments become increasingly unaffordable, amid rising … Read more

‘Nobody’s getting out’: Small businesses are struggling in Jeremy Hunt’s quintessentially English constituency

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Chiddingfold in Surrey is a quintessentially English village of just over 2,000 people who all know each other. Dotted around the village green, where a tall bonfire stands ready for next month, you’ll find cozy pubs, traditional butchers, a corner shop and a … Read more

My provider Lisa charged me a high penalty when I bought a house – is this a mistake?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE For the last 5 years I have had a Lifetime Isa (Lisa) in which I save for a home deposit. During this time I saved £12,000, which increased to £15,000 with HMRC contributions. My partner and I now have an accepted offer on … Read more

Every third tenant forced into bidding wars

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Tenants are being forced to offer more than the asking price for a third of new leases in London and the Home Counties. Competition in the rental market is increasing as owners sellwhereby he leaves the tenants enter bidding wars for the few … Read more

Will the new Prime Minister strengthen your finances?

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The promise of a new No 10 resident has already lifted the outlook slightly after markets had been clamoring for a management change for weeks. They rallied immediately after Ms Truss’s resignation and the yield on the 10-year Treasury note, which rises when … Read more

Record inheritance tax for Exchequer as property market soars

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE The Treasury collected a record amount of death benefits in the first half of this tax year as bereaved families were hit by frozen inheritance tax relief and higher property prices. Inheritance tax receipts hit a record £3.5 billion in the first half … Read more

‘My 90-year-old neighbor was tricked into insuring a non-existent satellite dish’

MY NUMBER 1 RECOMMENDATION TO CREATE FULL TIME INCOME ONLINE: CLICK HERE Has the company treated you unfairly? Our consumer advocate is here to help. How to contact her click here. Dear Katie, I am writing on behalf of our lovely neighbor, a 90 year old widow. He is in poor health and, because of … Read more