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This is Money: Be your own 財政上の 助言者 - 予測s, advice & tips
 
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Santander's head of fraud warns customers about criminals shoulder surfing for phone

A 悪意のある 手段 known as shoulder surfing is on the rise in the UK. Fraudsters are watching unwitting people スピードを出す/記録につける in to their 動きやすい banking apps over their shoulder. Now, Santander's 長,率いる of 詐欺 危険 is 警告 消費者s against using the same password for their phones and 動きやすい banking.

I was told it wouldn't 調査/捜査する その上の unless I made an £800 支払い(額) off my balance, and I've 訴える手段/行楽地d to hiding the car to 妨げる it 存在 掴むd. Can you help?

We started investing for our first daughter when she was born and the account is up 72.66%

We have already built up a £15,347 nest egg, with £4,182 of that 存在 利益/興味. The 人物/姿/数字s 最高潮の場面 the 利益s of 投資するing for children and why you shouldn't 延期する - the hardest part is often 簡単に getting started.

As many as 31% of people in the UK said they feel that there is nothing they can do to 改善する their 財政上の 状況/情勢, によれば 研究 from Creditspring.

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BUSINESS LIVE: BT to boost free cash flow; EasyJet CEO to exit; United Utilities profits

の中で the companies with 報告(する)/憶測s and 貿易(する)ing updates today are BT Group, EasyJet, 部隊d 公共事業(料金)/有用性s, Vistry and 首相 Foods. The new 長,指導者 (n)役員/(a)執行力のある of BT Group has 始める,決める out a 計画(する) to more than 二塁打 解放する/自由な cash flow over the next five years as the telecoms 巨大(な) passes the 頂点(に達する) of its 投資 in fibre 網状組織s.

NEW The food 製造業者 報告(する)/憶測d its adjusted pre-税金 利益(をあげる)s grew by 15.1 per cent to £157.9million in the year ending 30 March, compared to 分析家 期待s of around £153million.

下落する Group 株 fell はっきりと on Thursday after the ソフトウェア 会社/堅い tempered 期待s for 歳入 growth this year.

EasyJet's boss is stepping 負かす/撃墜する next year and the group 明かすd a bigger than 心配するd loss on Thursday. Ancillary 歳入 is, however, on the up.

部隊d 公共事業(料金)/有用性s is 推定する/予想するing its costs to 増加する 予定 to regulatory 告発(する),告訴(する)/料金s meaning it may have to 支払う/賃金 for 洪水s from high 降雨.

Watches of Switzerland, which sells brands like Rolex and Cartier, 予測(する) higher 歳入s of £1.67billion to £1.73billion in its new 財政上の year.

My mortgage was declined because the home isn't in a 'saleable' area: What can I do?

I had an 申し込む/申し出 受託するd on a flat in one of the cheaper areas of Greater Manchester. However, the mortgage valuation has now come 支援する 明言する/公表するing there is 'a 欠如(する) of/no owner occupiers living in the 即座の area' and that it is 'not in a saleable 場所.' The 使用/適用 has therefore been 拒絶する/低下するd. Does this mean no 貸す人 will 申し込む/申し出 me a mortgage?

People in their 中央の to late 40s and 早期に 50s need to be aware of the change if they want to retire 早期に, or use some of their 年金 貯金 to (疑いを)晴らす 負債 or 会合,会う other expenses.

Fraudsters are brazenly advertising fake banknotes on social media, currency firm warns

Social マスコミ 場所/位置s, 含むing Facebook, Instagram and X are awash with carefully 的d adverts 申し込む/申し出ing 解放する/自由な postage and 割引s on 偽札s. The adverts show wads of £10 and £20 公式文書,認めるs 同様に as high-denomination Euro 公式文書,認めるs, (人命などを)奪う,主張するing the 偽の cash is 現実主義の enough to pass 安全 checks.

限られた/立憲的な 接近 accounts are 殺到するing in 人気. Last week Paragon (機の)カム out with a new 見解/翻訳/版 which propelled it to the 最高の,を越す of the best buy (米)棚上げする/(英)提議するs.

At 58 years-old, Eddie Buglass had been 製図/抽選 負かす/撃墜する on his Scottish 未亡人s 年金 on an 不規律な basis for two years.

The best month to sell your car REVEALED - and why SUVs get the highest price at a

When is the best time of year to sell your car to 保証(人) you get the best price? A new 熟考する/考慮する based on the 容積/容量 of sales and 普通の/平均(する) prices for each of the major 乗り物 types - 含むing hatchbacks, saloons and 転換できるs - 否定するs the age-old belief that the hotter months are 一般に the best time to sell a car. But what if you need to part ways with your モーター 権利 now? We 明らかにする/漏らす which models are selling fastest this month...

The 株 of the new car market held by EVs is 予報するd to be just 19.8% in 2024, which is below the 無 放出/発行 乗り物 委任統治(領) 必要物/必要条件 introduced this year.

The UK is running out of 利益/興味 in heat pumps, with just one in ten people wanting to get one 任命する/導入するd in place of their gas boiler.

I don't want smart meters, so Eon is charging me £316 to replace my old ones:?SALLY SORTS

I have gas and electric メーターs that need changing as they are now pretty old. Eon has been trying to 説得する me to have smart 見解/翻訳/版s fitted but I have resisted. Over the phone an Eon スパイ/執行官 told me I could have 従来の, 非,不,無-smart メーターs fitted but it would cost £147 per メーター, 反して the smart メーターs would be 解放する/自由な. I said I would rather 支払う/賃金 than have smart メーターs. I have just received a message 明言する/公表するing that the 告発(する),告訴(する)/料金 will now be £158 per メーター. Why has the 量 changed?

The 国家の Audit Office 設立する that the 普通の/平均(する) wait time was nearly 23 minutes in the first 11 months of 2023-24, up from five minutes in 2018-19.

Just under half of young savers put away at least 20% of their 月毎の income, compared to just 12% of 45- to 54-year-olds.

Will Nationwide pay out a £100 loyalty bonus again this year?

Last June, 3.4m 全国的な members received a £100 支払い(額) from the building society. Now, 全国的な members will be wondering whether the 申し込む/申し出 will be replicated this year. As a building society, 全国的な is owned by its 顧客 members, who are meant to 利益 from 利益(をあげる)s through better 率s on 貯金, mortgages and other 製品s.

How hard does your bank account work for you? Here's our 選ぶ of the best accounts to make your money work harder, 削減(する) 負かす/撃墜する on 料金s, or get 解放する/自由な stuff.

City watchdog charges Lauren Goodger and TOWIE and Love Island stars for promoting risky

A number of reality TV 星/主役にするs have been 告発(する),告訴(する)/料金d by the City 監視者 over 主張s that they were paid to 促進する risky 投資s to their millions of Instagram 信奉者s. The Only Way is Essex's Lauren Goodger and Love Island's Biggs Chris are の中で those (刑事)被告 by the 財政上の 行為/行う 当局 - and they could 直面する up to two years' 監禁,拘置 if 罪人/有罪を宣告するd.

BT Group ups dividend despite losing almost half-a-million broadband customers

The telecoms 巨大(な) lost 491,000 Openreach 顧客s in the 12 months ending March まっただ中に slower-than-心配するd growth in the wider broadband market. Yet it 計画(する)s to 手渡す 投資家s a final (株主への)配当 of 5.69 pence per 株, bringing its 十分な-year payout to 8p, a 4 per cent rise from last year.

Anglo to sell coking coal arm for £4.75bn in bid to convince investors shake-up is working

The London-名簿(に載せる)/表(にあげる)d 採掘 巨大(な) - which has turned 負かす/撃墜する two 企て,努力,提案s from BHP 価値(がある) £31bn and £34bn - this week 明かすd 計画(する)s to break up the company as it 捜し出すs to fend off 引き継ぎ/買収 利益/興味. The Mail understands it believes it will strike a 取引,協定 to sell the coking coal arm for up to £4.75bn in the coming weeks having already received 利益/興味.

Europe's largest travel company 明らかにする/漏らすd pre-税金 losses 拒絶する/低下するd by 37.9 per cent to ?403.1million (£346.6million) in the six months ending March.

I'm 77, still working and worth £2.6m - how can I cut inheritance tax?

I'm 77 and have a £70,000 a year final salary 年金 from an 雇用者 that I worked for 30 years but after retiring I also 始める,決める up my own 商売/仕事 which makes about £50,000 a year. I would like to start giving some money away, as I realise a large chunk of my 広い地所 will 結局最後にはーなる 直面するing 相続物件 税金. I should have done more of this earlier - as time may not be on my 味方する here - what can I do?

Sainsbury's now tells customers to go to the POLICE to investigate stolen Nectar points…

A Sainsbury's 顧客 who lost £230 Nectar points to fraudsters has been directed to the police to 調査/捜査する, but it is not a recordable 罪,犯罪. Nectar, which Sainsbury's bought in 2018, has been beset by problems with 詐欺, but little seems to have been done.

As with our debit and credit cards, we 推定する/予想する some level of 安全 when we を引き渡す our 詳細(に述べる)s to supermarkets. Sadly, some Sainsbury's 顧客s can't say the same.

Around 18 million married Britons living in the UK still don't have a prenuptial 協定 in place to help divide their 資産s should their 関係 breaks 負かす/撃墜する

I'm worried about losing annuity income if my husband dies before me: Steve Webb replies

We were never asked whether, if my husband should pass away first, the 年金s would pass to me his wife, so we were misinformed I believe. My husband is now 診断するd with dementia and I am going to lose the 年金s if he should pass away. Can this annuity be cashed in?

My neighbour has started keeping bees - can I stop him? DEAN DUNHAM replies

My 隣人 has started keeping bees - is there any way I can 反対する to this? The starting point is that your 隣人 is する権利を与えるd to keep bees and if they 原因(となる) you no 害(を与える) or 重要な 問題/発行するs you will not be able to 反対する or stop your 隣人 just because you do not like the idea.

If you dislike 激烈な/緊急の shocks, 捜し出す an order from the 法廷,裁判所 even if there are no 財政上の 治療(薬)s for either party. This 保護するs you from 未来 (人命などを)奪う,主張するs.

I have a こそこそ動くing feeling there is a growing belief 離婚 is too expensive and a loveless marriage is より望ましい to a dreaded 財政上の 治療(薬)s order, says Stephen Gold in his new series on 離婚.

How reliable are the most popular used cars? Here's how the top nine in 2024 fare

With the second-手渡す car market にわか景気ing 権利 now, can you really count on getting your 手渡すs on a solid and reliable used モーター? In the 事例/患者 of the Ford Fiesta (pictured 最高の,を越す left) - Britain's most 貿易(する)d second-手渡す 乗り物 in the first three months of the year - the chances are you'll get a pretty dependable 乗り物. That's によれば a new piece of 研究 by 延長するd warranty provider, Warrantywise, which has analysed its own data to give a reliability 率ing for the 10 most popular second-手渡す models in the UK in 2024. Is your car on the 名簿(に載せる)/表(にあげる)? And if so, how 井戸/弁護士席 does it fare?

Chinese EV start-up Leapmotor will begin selling cars in nine European countries from September. It will then enter the UK market in March 2025 with the T03.

Think all new cars are expensive? You can get a value for money new car for a cheap price, as Ray Massey shows us with his 名簿(に載せる)/表(にあげる) of new 20 cars for under £20k.

Are period properties worth the hassle? Owners spend TWICE as much on maintenance

Homeowners who live in period 所有物/資産/財産s spend an 普通の/平均(する) of £70,000 to keep them looking good, によれば a Zoopla. The 所有物/資産/財産 portal 明らかにする/漏らすd that period?homeowners are spending more than twice as much in upkeep costs compared to 非,不,無-period 世帯s. In total, it 見積(る)s that period homeowners fork out の近くに to £70,000 on 普通の/平均(する) in 修理s and?維持/整備 during their entire time at a given 所有物/資産/財産.

The challenge of getting on the 住宅 ladder is 軍隊ing many to 賭事 with 退職 by taking on ultra-long mortgages, 警告するs former 大臣 Steve Webb.

A 隣人 has a large number of lights in her 支援する garden, which stay on all night. Can I 軍隊 her to トン them 負かす/撃墜する?

Childcare vs pay: The salary you need to make being a working parent profitable

The UK is one of the most expensive countries in Europe for childcare にもかかわらず さまざまな 政府 handouts to 緩和する the 重荷(を負わせる) on working families. The 普通の/平均(する) cost of a 十分な-time 50-hour-a-week nursery place for under two-year-olds is £430 a week in London and £308 in the South East of England.

The councils that ban you from their car parks if your vehicle is TOO LONG

If you 運動 a 特に big car, you could be 罰金d for parking in some public car parks. That's because five 地元の 会議s have introduced length 制限s on 乗り物s using their parking 施設s, with most setting a 限界 at 5 metres, which is shorter than a 範囲 Rover and Mercedes-Benz S-Class. And more than nine in ten 会議s have said they have no 意向 of making their parking bays bigger to 融通する today's much larger 乗り物s, which are said to be growing 1cm wider every two years.

The 最新の iteration of Aston's most affordable sports car now (犯罪の)一味s in at a whopping £165,000. It means the Vantage is 近づくing a 類似の pricing ballpark as the Ferrari Roma. But is it as good?

It explains why nearly two fifths of parents struggle to find one of the spaces 空いている when visiting busy car parks, such as those at supermarkets and shopping centres.

Don't scrap stamp duty tax break for those buying handful of homes, property firms urge

The stamp 義務 削減(する) known as 多重の dwellings 救済 is 始める,決める to be 廃止するd in June, mostly 影響する/感情ing individual landlords - but big 所有物/資産/財産 companies say it could also 攻撃する,衝突する their 利ざやs. The 税金 break 申し込む/申し出s stamp 義務 救済 on 購入(する)s of two or more 所有物/資産/財産s in a 選び出す/独身 処理/取引, or in linked 処理/取引s.

The sun has finally arrived with gardens now coming into 十分な spring bloom. Here's why 投資するing time and money into your outside space could 追加する thousands to a 所有物/資産/財産 if you're looking to sell.

Cheaper energy deals could be back by winter as Ofgem plans to bring back competition

Regulator Ofgem wants to 捨てる 支配するs stopping energy 会社/堅いs from 申し込む/申し出ing cheaper 取引,協定s to new 顧客s. The news means lower energy 法案s could be 支援する from October - or かもしれない sooner, depending on how 競争の激しい gas and electricity 会社/堅いs decide to be.

The Bank of England has now held base 率 since last summer and the next move is tipped to be a 削減(する). Our calculator lets you work out what a move up or 負かす/撃墜する could cost you.

Evri issues warning over huge rise in smishing scams - here's what to look out for

Smishing is used by 犯罪のs to 的 消費者s with texts impersonating 信用d organisations, and often 含む/封じ込める a link to a fraudulent website. Evri said it had seen a 174% 増加する in 報告(する)/憶測d scams from April 2023 to April 2024 and had の近くにd 負かす/撃墜する more than 5,000 scam 場所/位置s, a 268% 増加する year-on-year.

My uncle has £14,000 in Dart 告発(する),告訴(する)/料金 罰金s after he was unable to スピードを出す/記録につける in to settle his crossings, now the (強制)執行官s are at his door and he is considering 破産.

EXCLUSIVE

More than 12million Britons could 改善する their 財政上の 状況/情勢 over the long 称する,呼ぶ/期間/用語 by 転換ing money in cash or Isas to 投資s, a new 報告(する)/憶測 明らかにする/漏らすs.

Best stocks & shares Isas: Pick the right investment account

Choosing the 権利 DIY 壇・綱領・公約 is 決定的な but a wealth of choice and a variety of 告発(する),告訴(する)/料金s can leave 投資家s scratching their 長,率いるs. We 選ぶ some of the best. We 選ぶ some of the best. We also 最高潮の場面 why 投資するing in an Isa makes sense, as it should 保護する your hopefully growing 投資s from 税金 forever.

If you are planning on 投資するing, or just want to know more, we tell you the 10 必須の things to consider for a successful buy-to-let 投資

直す/買収する,八百長をするd mortgage 率s are continuing to 落ちる 支援する from their summer 頂点(に達する), with a number of 直す/買収する,八百長をするd 率s 取引,協定s now いっそう少なく than 5 per cent.

If you are 利益/興味d in buying 株 or know more about 明らかにするing good companies and valuing them, read our guide to 株 投資するing.

This is Money takes a look at all of the 必須の things you should know about.

賞与金 社債s 勝利者s

Prize Area Value of 社債
£1,000,000 Hampshire And 小島 Of Wight £24,900
£1,000,000 Outer London £10,000
£100,000 Berkshire £15,000
£100,000 North Yorkshire £14,400
£100,000 Outer London £39,980
£100,000 Leicester £300
£100,000 Ealing £980
£100,000 Essex £8,875
More May 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of May 2024 勝利者s
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