Money

This 週末 示すs a major milestone for the nation's road 網状組織. It is 65 years to the day that the M1 - the UK's first cross-country motorway - 公式に opened and welcomed traffic to its tarmac. The first 72-mile stretch between Watford and Rugby was 完全にするd on Monday 2 November 1959 having taken 19 months to 建設する. But do drivers love it or loathe the M1 today? Use our 地図／計画する infographic to find out how it 階級s in the order of England's 14 major motorways based on 運転者s' feedback about congestion, potholes and safety.

（ドイツなどの）首相／（大学の）学長 Rachel Reeves dropped a 年金 改革（する） bombshell in Wednesday's 予算 so 劇の that 専門家s say the golden 支配するs of 退職 income planning now need to be thrown out the window. From April 2027, 年金s will be drawn into the 相続物件 税金 逮捕する for the first time. Thousands of Mail readers have 発言する／表明するd their feelings of betrayal. For years, they have (very sensibly) been funnelling money into their 年金s, 安全な in the knowledge that anything they didn't spend in 退職 could be passed 負かす／撃墜する to their children 解放する／自由な of 相続物件 税金.

Anyone now 熟視する／熟考するing taking a bet on Ashley's combination of acumen and assertiveness should be aware that not everything that he touches turns to gold. I have put some money into the Aurora 信用 because its 株 price is at 割引 to its 逮捕する 資産 value, making it a cheap 大勝する into Frasers and other UK 株. But I will be looking to trickle some cash into Frasers since I like an 投資 with 可能性のある for 評価 and entertainment value.

House price growth slowed 負かす／撃墜する in October, によれば the 最新の 人物／姿／数字s from 全国的な. Britain's?biggest building society said 普通の／平均（する） prices rose a mere 0.1% last month -?but the rise （機の）カム from a 統計に基づく quirk. Higher stamp 義務 and 可能性のある mortgage 率 rises could also 攻撃する，衝突する house prices in the coming months, によれば 専門家s.

JEFF PRESTRIDGE: It's 自白 time. Yesterday's 予算 wasn't as awful as I thought it would be. Maybe, looking 支援する, （ドイツなどの）首相／（大学の）学長 of the 国庫 Rachel Reeves played an extraordinarily clever game in the 近づく four months between 労働 winning the 選挙 and her debut 予算 - by putting the 恐れる of God into us all that she was gunning for every bit of our wealth. Then she confounded and somewhat surprised us by 配達するing a 一括 of 税金 引き上げ（る）s that, in total, seemed large (£40billion), but not as pernicious on our family 財政／金融 as we thought they would be. Maybe, she was just 動揺させるd by the growing （激しい）反発 at her 最初 avaricious 計画（する）s.

In 最近の months, we've been given a glimpse of what a 未来 with affordable electric cars could look like with a flurry of small, silent models 存在 明かすd. Hyundai is the 最新の brand to join the 予算 EV conga line with its new Inster - a model the Korean brand says will 'redefine ultra-small EVs'. While it's not 予定 to arrive in the UK until 中央の-January, This is Money has been given 早期に 接近 to 運動 a pre-生産／産物 car on Oxfordshire's country roads to 決定する if this could be the low-cost EV that changes Britain's mind about 溝へはまらせる／不時着するing the 内部の 燃焼 engine.

Tesla's Self-Serve?programme has 拡大するd to almost 20 new 場所s across the UK with Elon Musk's brand sounding the death knell for the car salesman. The remote 実験（する） 運動 experience 約束s curious 運転者s they can '実験（する） 運動 a Tesla without Tesla' - or speaking to one of it's staff members. So, think of it as the four-wheeled Lime - just don't leave a Model 3 strewn across the pavement like the popular inner-city 雇う bikes!

While solar パネル盤s alone can save the typical 世帯 some £310 each year, 殴打／砲列 貯蔵 systems enable energy transferred from sunlight to be 蓄える／店d for use at night when solar パネル盤s aren't working.

忠義 計画／陰謀s have become ever more popular since shops and supermarkets started 申し込む／申し出ing two-tier pricing where members 支払う／賃金 いっそう少なく on 確かな items. Now the 忠義 pricing 傾向 is spreading to 貯金 accounts. The idea is to reward long-standing 顧客s, for example by 支払う／賃金ing higher 貯金 率s if you also 持つ／拘留する your 経常収支 with the provider. I have no 反対 to this - there's nothing wrong with rewarding 忠義. But, as always, the big question is are they really 価値（がある） it or is it all smoke and mirrors? Disappointingly, the answer is they are 一般に not 価値（がある） it. You are still likely to find better 率s by 転換ing your money どこかよそで.

Savers had been waiting with bated breath to see if the （ドイツなどの）首相／（大学の）学長 would tinker with Isas in the 予算. But no changes to Isas materialised much to the 救済 of some - and chagrin of others. The British Isa was 公式に scrapped.

（ドイツなどの）首相／（大学の）学長s come in all 形態／調整s and sizes, 意図 on stamping their brand of politics on to the nation's 財政／金融s. いつかs, for better. Often, as with Ms Reeves's 悲惨な 予算 two days ago, for the worse. Yet there is one trait that 部隊s many （ドイツなどの）首相／（大学の）学長s of 最近の times - the likes of Gordon Brown, Rishi Sunak and now Ms Reeves. It is that they 扱う／治療する our 年金s with disdain - like political footballs, to be kicked around, tampered with at will and 侵害する／違反するd as they see fit. Our 年金s are 見解（をとる）d as cash cows to be milked for 税金 whenever political needs must. Of course, it's wrong. In so doing, they make it 極端に difficult for most of us to steer our long-称する，呼ぶ／期間／用語 財政／金融s に向かって a place where a comfortable 退職 is 保証するd.

That's the 戦略 存在 追求するd by the 政府 because of a green 計画（する） dreamed up by civil servants that could lead to a glut of expensive EVs. その上の still, it could create a 不足 of low-汚染するing, 石油-electric hybrids for which 需要・要求する is にわか景気ing, 衝突，墜落 residual values and destroy what's left of UK car 製造業の as 中国 moves in to mop up. 最終的に, UK 消費者s will 支払う／賃金 the price, along with モーター 産業 労働者s and 供給者s who 直面する losing their 職業s as factories are 軍隊d to の近くに.

Fraudsters are capitalising on the new 支配するs 始める，決める out by the 予算 ーするために snare 犠牲者s, によれば 地位，任命するs and messages seen by This is Money. The 犯罪のs have 的d people 経由で 偽の messages and websites which 申し込む／申し出 them a 'winter heating 補助金' or a refund on 税金 支払い（額）s. The messages （人命などを）奪う，主張する to be from 政府 departments, and direct 犠牲者s 経由で a link to another website where they are asked to 支払う／賃金 money or enter personal （警察などへの）密告，告訴（状）.

I will be 66 on 1 April 2026. Under the changes that the 政府 are about to make will I get my 年金 or will I have to wait another year? I have paid in an extra nine years over what you have to 支払う／賃金 in which is 35 years によれば the 政府 website. I like many other find this so 不公平な.

The Office for 予算 責任／義務 said 負債 利益／興味 支払い（額）s will total £672bn between now and 2029-30 - or more than £100bn a year. The 法案 dwarfs the defence 予算 which is 予定 to reach £83bn next year.

We were 用意が出来ている for the worst - a 破滅的な 税金 攻撃する，衝突する on Middle England. But today's 予算, 配達するd by a feisty （ドイツなどの）首相／（大学の）学長 of the 国庫, wasn't やめる as bad as most of us 推定する／予想するd. Maybe more 財政上の 苦痛 を待つs us その上の 負かす／撃墜する the road when 労働's ambitious growth 計画（する）s for the economy go into 逆転する - and its borrowing 計画（する）s implode. But for now, it feels as if Rachel Reeves hasn't duffed up our personal 財政／金融s やめる as 不正に as she could have done. Although the detrimental 衝撃 of £40billion of extra 税金s on 世帯 wealth and 商売／仕事s cannot be underplayed, it could have been a lot worse - 特に for those who 努力する／競う to build wealth to see them through 退職 - and not be a 重荷（を負わせる） on the 明言する／公表する.

The long-rumoured 増加する will see 商売／仕事s 支払う／賃金 more に向かって their 従業員s' 年金s, 増加するing from 13.8% to 15%. 労働 繰り返して said it would not raise 税金s on working people, but small 商売／仕事s have already 警告するd that the move could have detrimental 影響s.

In August I had an unfortunate 事故 and fell into a canal along with my rucksack 含む／封じ込めるing my laptop, which unsurprisingly was 損失d by the water. Since I have a Currys' Knowhow Care 計画（する） 購入（する）d at the same time as my laptop in 2015, I thought my 装置 would be covered. I took it to a 蓄える／店 in London to have it 修理d for 解放する／自由な. However, Currys 辞退するd to 適切に honour the 契約. This has より悪くするd my already traumatic experience. Can you help? Sally Hamilton replies...

Here's everything you need to know about the 衝撃 on your モーターing 法案s as Rachel Reeves 凍結するs 燃料 義務 for a 15th 連続した year. Find out how it much it will save you in 年次の モーターing costs as we also 明らかにする／漏らす the 百分率 of every litre you buy that goes direct to 政府 coffers, and how much 税金 we 支払う／賃金 on road 燃料 compared to the 残り／休憩（する） of Europe.

The 月毎の cost of owning a home is once again much cheaper than renting, as lower mortgage 率s tip the balance その上の in favour of first-time 買い手s. 研究 by the 所有物／資産／財産 website Zoopla 設立する that the 普通の／平均（する） 月毎の mortgage cost for a typical first-time 買い手 home is now 17% cheaper than the 普通の／平均（する） rent - though of course 買い手s may need to save a 相当な deposit.

王室の Mail will take longer to 配達する millions of 商売／仕事 letters as part of a 裁判，公判 ahead of 公式の／役人 changes to 規則s. The Ofcom 監視者 will 協議する on an 精密検査する of 郵便の services next year, 含むing 計画（する）s to 削減（する） second-class 配達／演説／出産s to every other working day.

によれば Santander, a number of ATMs 存在 unavailable in a 明確な／細部 area could be the result of fraudsters 試みる／企てるing to 任命する／導入する card skimming 装置s into 確かな ATMs, or deliberately 損失ing others ーするために 押し進める 顧客s to one they have rigged.

Banks are 申し込む／申し出ing coffee 妨げる／法廷，弁護士業s and 解放する／自由な work spaces in a 企て，努力，提案 to attract 顧客s to 支店s. And you don't even have to be a 顧客 to use them. More than 6,000 bank and building society 支店s have の近くにd since January 2015, 報告（する）／憶測s 消費者 group Which? Growing numbers of those remaining are reinventing spaces to stay 関連した and 安全な・保証する 生き残り. Could fresh coffee save struggling high street 出口s or just 延期する the 必然的な? Toby Walne visits three to find out.

Buyagift has taken £200 from my banked 保証人／証拠物件s. There is no way of 接触するing anyone except online and they are not answering. We have saved these gift 保証人／証拠物件s so my 81-year-old husband and I can have a few days away. I don't know where to turn if Buyagift won't even speak to me.

The 大多数 of mortgage borrowers are 選ぶing for two-year 直す／買収する，八百長をするd 率 取引，協定s, によれば 分析 by Santander. Mortgage preferences have 転換d in favour of shorter 直す／買収する，八百長をするd 条件, as borrowers 予報する 率s will 落ちる by 2026 - but 専門家s say they could remain static.

にもかかわらず looking 今後 to a much-needed seasonal 上昇 later in the year, Etoro's confectioners basket has fallen two per cent in the year-to-date, compared to growth of 21 per cent in the S&P500 during the same period.

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.