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Last updated: 23:03 BST, 28 July 2024
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Financial Conduct Authority chief Nikhil Rathi tears up red tape

The 計画(する)s to 涙/ほころび up the 消費者 rulebook and place new 強調 on 結果s, such as value for money, are designed to 抑えるのをやめる a new 危険-taking culture and 改善する Britain's competitiveness with 競争相手 markets in New York. The 改革(する)s 提案するd by 財政上の Services 長,指導者 (n)役員/(a)執行力のある Nikhil Rathi (pictured) were 調印するd off by the 財務省 late last week and will be 現在のd to the ありふれたs.

Rachel Reeves is 推定する/予想するd to lay the ground for 税金 rises in her Autumn 予算 when she 明らかにする/漏らすs the 結果 of a 財務省 audit into the 政府's 財政/金融s.

Hundreds of MG4 owners say their £27k EVs have flawed safety tech putting them at risk -

Owners of MG4 electric cars have been 接触するing This is Money in their droves 詳細(に述べる)ing the dangerous シナリオs they've been put in by their Chinese EVs 予定 to a 欠陥d safety feature. Here's what drivers have told both us and 消費者 監視者 Which? about their 近づく-衝突,墜落 experiences, what MG is doing about the 問題/発行する and explain why the DVSA hasn't 解任するd the EV on safety grounds.

Cast your 注目する,もくろむs over a 貯金 best-buy (米)棚上げする/(英)提議する, and you'll find the 最高の,を越す 率s are 申し込む/申し出d by 比較して unknown banks. Here's how to check out a provider before taking the 急落(する),激減(する).

A more draconian 政権 for those taking 資本/首都 伸び(る)s made from 所有物/資産/財産 or 株 sales may be on the way, and it could also be harder to 保護物,者 wealth from 相続物件 税金.

We asked 基金 経営者/支配人s for the 支配するs of thumb or 決まり文句/製法 they 適用する to companies to 査定する/(税金などを)課す whether they're 価値(がある) 投資するing in - or best 避けるd.

Are you a spend-it Simon or a procrastinating Paula? Knowing what type of 年金 saver you are can help you maximise your 退職 wealth - and be 用心深い of 可能性のある 落し穴s.

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(v)提携させる(n)支部,加入者 links: If you take out a 製品 This is Money may earn a (売買)手数料,委託(する)/委員会/権限. These 取引,協定s are chosen by our 編集(者)の team, as we think they are 価値(がある) 最高潮の場面ing. This does not 影響する/感情 our 編集(者)の independence.

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RUTH SUNDERLAND: Don't plunder our pensions Chancellor

Rachel Reeves has 支配するd out 増加するs in the いわゆる Big Three - 所得税, 国家の 保険 and 付加価値税. Her 歳入-raising 選択s are therefore 限られた/立憲的な and 年金s look like a sitting duck. Ask anyone in the 年金s 産業 and they will tell you 財務省 公式の/役人s have a long-standing dislike of 税金 救済s on 年金s which 利益 higher earners the most. Scrapping them has a 膝-jerk 社会主義者 控訴,上告.

Both oil 巨大(な)s are 始める,決める to 株 貿易(する)ing updates for April to June. 株 in BP have 急落(する),激減(する)d more than 15 per cent since their 頂点(に達する) in April.

The British 小包 company wants to 拡大する its team of 特使s and 倉庫/問屋 staff まっただ中に ballooning 需要・要求する for its services.

They have been advised that the 申し込む/申し出 recommended by the IDS board undervalues 王室の Mail if Ofcom recommends changes to the 全世界の/万国共通の Service 義務.

All 泡s burst, so the question 悩ますing 投資家s is whether the big tech 在庫/株 jitters of the past few days are harbingers of a wider reassessment of 投資 戦略.

Keir Starmer's 切望 to 'reset' relations with the EU could open the door to 共同 with a 競争相手 計画/陰謀 on the Continent, によれば 上級の (n)役員/(a)執行力のあるs at Airbus.

Divorcees can no longer expect big payouts for life, says top lawyer VANESSA LLOYD PLATT

Women banking on a short marriage with big bucks on 離婚 should take 公式文書,認める. If you 離婚d a 豊富な spouse 25 years ago you would likely be far richer than if you 結局最後にはーなる in 法廷,裁判所 today. For Britain is slowly losing its status as the 離婚 資本/首都 of the world, with 法廷,裁判所s now 手渡すing out いっそう少なく money to ex-partners. In some 事例/患者s the wife is the wealthier partner, but in the 広大な 大多数 it is still the husband who is better off.

Ten cars turning 40 this year - but does reaching the milestone make them bona fide

The Ferrari Testarossa turns 40 this year. For those who remember the wedge-形態/調整d Italian supercar breaking の上に the scene and setting petrolheads' pulses racing, it probably doesn't feel like four long 10年間s ago. And there are a number of other recognisable モーターs that are hitting the same milestone this year - though not all of them are やめる as iconic as the Ferrari poster car. But does reaching 40 保証(人) that a 乗り物 earns 'classic' status??Here's 10 examples of モーターs that arrived in 1984 - you can decide if they're deserving or not.

We speak to 専門家s 含むing What Car?, Which? and the モーター 産業's Car 売買業者 magazine on how to keep scammers at bay.

Filling up your car with the wrong 燃料 can 原因(となる) a 抱擁する 量 of 損失 - and this mistake might be more ありふれた than you think.

MIDAS SHARE TIPS: Digital ticket firm Accesso has fast pass to profits as theme parks go

The British are renowned for their ability to 列 without making a fuss - but if we had the choice, most of us would much rather not. Accesso helps families and friends to make the most of trips and events, while also helping its 商売/仕事 顧客s to make more money. Accesso 株 were almost £30 in 2018. Today they are about £7. Now, however, Accesso is 解雇する/砲火/射撃ing on all cylinders and the 在庫/株 should 答える/応じる.

Led by Philip Kay, it is 決定するd to 確実にする it remains one of the first calls for 投資家s 捜し出すing (危険などに)さらす to the Japanese 株式市場.

Bank of England Governor Andrew Bailey may hold key to decision on rate cut

The nine-person 通貨の 政策 委員会 will 会合,会う on Thursday to 投票(する) whether or not to 削減(する) for the first time in four years. But now there is talk of a growing 可能性 of a knife-辛勝する/優位 投票(する), which could see Bailey, who 議長,司会を務めるs the group, having to make the ultimate call. 分析家s at 投資 bank Citigroup think the 率 will 落ちる by a 4半期/4分の1-point to 5 per cent. This would be a 抱擁する 救済 for millions of under-圧力 home owners.

Revolut's first move as a bank: Customers can now pay cash in... but at a cost

Neobank Revolut has 開始する,打ち上げるd a cash deposit 選択 for its 9million UK 顧客s. 顧客s will now be able to deposit cash into their Revolut accounts at over 12,000 retailers, though this is 支配する to 限界s and 料金s.

Fintech is one of the many areas where the UK has 競争の激しい advantage. Newcomers 向こうずね by 申し込む/申し出ing choices the high street banks struggle with.

Converted churches make divine homes: What they cost - and what buyers must look out for

Church 転換 所有物/資産/財産s 申し込む/申し出 買い手s an impressive exterior, high 天井s and 多重の large windows. Brimming with character and quirky features, they come at a price 賞与金. We look at how much you might 支払う/賃金 for your own heavenly home, and take a look at three examples on the market 権利 now.

My neighbour's barking dog is a nightmare - should I just move house?

In the garden that 支援するs の上に 地雷, there's a dog that barks for hours every day. I went around to the 隣人 in question three months ago and she said no one's ever complained about the dog barking before and that I was 汚い. I also 接触するd the 会議 and sent them a diary of when the dog barks, but it said there was 'no 事例/患者 to answer'. What can I do to make it stop?

Rolls-Royce revenues set for record highs under boss Tufan Erginbilgic

The FTSE 100 aeroplane engine 製造者 raked in £7.7billion in the first six months of the year, によれば City 予測(する)s. The 11% 引き上げ(る) in sales (機の)カム as international flights rose 支援する to pre-Covid levels. Rolls builds 計画(する) engines but makes its money from servicing and 持続するing them, so the number of 飛行機で行くing hours is 決定的な to its success.

税金 breaks are 申し込む/申し出d to companies for 投資s in factories and 器具/備品. But these do not 延長する to spending on 決定的な areas such as new ソフトウェア.

Royal Mint to stop making coins from scratch after 1,100 years - with staff mining circuit

The 王室の 造幣局 計画(する)s to stop producing coins from scratch at its 施設 in むちの跡s from December with staff コースを変えるd to 採掘 gold from laptop 回路・連盟 boards, This is Money can 明らかにする/漏らす. A 王室の 造幣局 insider said it will now 輸入する coin 'blanks' from countries such as Germany and Turkey, rather than making them from scratch at its 工場/植物 in Llantrisant. As the oldest company in the UK, the 王室の 造幣局 has been producing coins for more than 1,100 years.

After years of 存在 mollycoddled into 支払う/賃金ing for goods and services in the form of card 処理/取引s, cash and its importance have taken centre 行う/開催する/段階.

Roofer charged me then never turned up... why can't I use Checkatrade's guarantee? CRANE

In March, I 雇うd a roofer 経由で Checkatrade to 修理 my chimney, as it was 損失d and water was 漏れるing in. I paid the roofer an 初期の sum of £500 to have scaffolding put up, which he sent a third-party 会社/堅い to do. Months have passed since then and, にもかかわらず plenty of messages and 約束s, the roofer never turned up to do the 職業. The roofer has been banned from Checkatrade, but I've been told I don't qualify for its 補償(金) 計画/陰謀.

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(v)提携させる(n)支部,加入者 links: If you take out a 製品 This is Money may earn a (売買)手数料,委託(する)/委員会/権限. These 取引,協定s are chosen by our 編集(者)の team, as we think they are 価値(がある) 最高潮の場面ing. This does not 影響する/感情 our 編集(者)の independence.

Compare the best 投資するing account for you

Pension blunder at DWP discovered by Steve Webb means thousands could be underpaid

Claimants who save into 年金s could be in line for 増加するs, 加える arrears, after the 潜在的に 広大な - and 高くつく/犠牲の大きい - error was 暴露するd by our columnist. A reader 警報d Webb by 令状ing in to ask if 年金 出資/貢献s were 存在 accounted for 正確に in their 全世界の/万国共通の Credit 支払い(額)s.

The 12 VERY best mortgage deals on offer right now as lenders battle for customers

Mortgage 率s are going 負かす/撃墜する, with the lowest five year 直す/買収する,八百長をする having dipped below 4 per cent today for the first time since February. Mortgage 貸す人s such as 全国的な, HSBC, Halifax and Barclays are trying to undercut one another as they compete for new 顧客s. We have taken a look at the best 取引,協定s on the market for first-time 買い手s and home movers and those remortgaging, factoring in both 料金s and 率s.

Moves from the two banks follow 全国的な's mortgage 削減(する)s yesterday that saw the cheapest five-year 直す/買収する,八百長をする 取引,協定 下落する below 4% for the first time since February.

Drivers ripped off £1.6bn a year by fuel retailers pocketing 'significantly' higher

The 競争 and Markets 当局 said that the 燃料 market is still 'failing 消費者s' a year on from its first 報告(する)/憶測 that laid 明らかにする the problems in the 部門. It said that retailers' 燃料 利ざやs - the difference between what they 支払う/賃金 卸売 for their 燃料 and the price they sell it at - are 'still 意味ありげに above historic levels'. 増加するs in 燃料 利ざやs cost drivers more than £1.6bn in 2023 alone, with supermarkets' 燃料 利ざやs now 概略で 二塁打 what they were in 2019.

頂点(に達する) 非難する 率s fell by 8p in June, while off-頂点(に達する) 率s fell by 3p. These 貯金 will help EV owners who're reliant on slow public 非難する.

Broadband and phone bills set to soar AGAIN as firms eye poll tax-style price rises

The cost of millions of 動きやすい phone and broadband 取引,協定s is 始める,決める to 急に上がる, with the least 井戸/弁護士席-off 顧客s seeing the biggest price 引き上げ(る)s of up to 11%. 動きやすい phone and internet 顧客s 苦しむd 引き裂く-off price 増加するs of up to 7.9% this year as providers passed on the cost of インフレーション, often with 3.9% on 最高の,を越す. But for some 顧客s, those price 引き上げ(る)s will be dwarfed by the 法案 rises broadband and 動きやすい phone 会社/堅いs such as BT, EE and Vodafone are now planning.

Watchdog uses new powers to protect cash - here's what it's making banks do

Banks and building societies will have to asses 地元の gaps in 接近 to cash under new 支配するs 発表するd by the FCA. Some three million people rely on cash によれば the 財政上の 監視者.

Big banks and building societies are giving incorrect (警察などへの)密告,告訴(状) to savers about Isas, I can 明らかにする/漏らす.

There was an uptick in people using physical money in 2023 - though most prefer cards and 数字表示式の 支払い(額)s and two thirds say they would be comfortable leaving their wallet at home.

What does the 'two-child benefit cap' really mean and  how would scrapping it affect you?

The 政策, which was introduced by the 保守的なs in 2017, 限界s the 量 of 全世界の/万国共通の credit given to families with more than two children born after April 2017. So what is the two-child 利益 cap, why is it so 議論の的になる and what will happen if it's scrapped?

Hidden 料金s and 複雑にするd 告発(する),告訴(する)/料金s on 年金 基金s are wiping up to a fifth off 退職 貯金, provider People's 共同 警告するs.

Tesco Bank has more than 二塁打d my car 保険 再開 賞与金 because it says there is a (人命などを)奪う,主張する 優れた on the 政策 that has 損失d my no (人命などを)奪う,主張するs 特別手当.

Should you buy or sell shares in the Magnificent 7? Experts give their verdict on each one

More than £500billion was wiped off the Magnificent 7 tech 在庫/株s as results from Tesla and Alphabet 誘発する/引き起こすd shockwaves. But does this 申し込む/申し出 an 適切な時期 to buy into the high-飛行機で行くing 在庫/株s at a cheaper price - and which are the 在庫/株s to shun? Here is a 在庫/株-by-在庫/株 判決 of the 専門家s on the Magnificent Seven (and the 合意 の中で 分析家s as to whether the 株 are a strong buy, buy, 持つ/拘留する, sell or strong sell).

DVLA private plate auction - some cost £70 and could offer an investment bargain

The DVLA's 登録 plate timed auction runs 24-30 July with a spread of plates celebrating this summer of sport, music and pop culture 申し込む/申し出ing returns on 投資. 私的な number plates have become hot 商品/必需品s in 最近の years, with the 部門 valued at over £2 billion as of 2023, with some plates reaching into the 10s of millions.

When will you retire? The dream age is 62 - but reality is grim for many savers

More adults are 始める,決める to 落ちる short of the 最小限 income 基準 in 退職 - £14,400 for a 選び出す/独身 person and £22,400 for a couple - than at this time last year, a 熟考する/考慮する shows. The より悪くするing 傾向 作品 out an 付加 1.2million people now NOT on 跡をつける for a basic 退職 lifestyle, によれば the Scottish 未亡人s 報告(する)/憶測.

Monzo has 開始する,打ち上げるd Monzo 年金, a 道具 which will 許す 顧客s to 一連の会議、交渉/完成する up all their 存在するing personal and workplace 年金s and 持つ/拘留する them in one place.

This is Money has scoured the market and 選ぶd out the best credit card 取引,協定s to help you make the most of your money - whatever you 計画(する) to 支払う/賃金 for on plastic.

Property purchases by landlords fall to 14-year low as rents keep rising

The 割合 of homes 存在 bought by landlords has fallen to a 14-year low, によれば new data, while mortgages 認めるd to them have more than halved. Only one in ten homes sold during the first half of this year went to a buy-to-let 投資家, によれば the 広い地所 スパイ/執行官 Hamptons. This is 主要な to a 供給(する) crunch for tenants, with 42 per cent より小数の 賃貸しの homes on the market last month than in June 2016.

British tourists travelling to Paris are 存在 的d by a 網状組織 of taxi scammers waiting to trick arrivals at airports, train 駅/配置するs and museums, French police 長,指導者s have told Money Mail.

Renters are still having to compete?ひどく for 所有物/資産/財産s, によれば the 所有物/資産/財産 website Rightmove. Here's how to stand out from the (人が)群がる.

Record number of drivers are being caught and fined for ignoring smart motorway rules

The shocking number of people 侮辱する/軽蔑するing the 支配するs is the 最新の in a string of 関心s over smart motorways に引き続いて a 報告(する)/憶測 from the BBC earlier this year that the 科学(工学)技術 監視するing the roads had lost 力/強力にする nearly 400 times in just two years.

While you might think kerbed wheels are the most ありふれた misjudgements made by 運転者s, there's one other type of item drivers accidentally steer into more often.

Luca De Meo, boss of Renault, has 警告するd 顧客s aren't ready to switch to EVs and called for 'more 柔軟性' in the 2035 最終期限. Porsche has also watered 負かす/撃墜する its own EV ambitions.

How much tax will I pay on a deferred state pension lump sum under pre-2016 rules? STEVE

If you deferred your 明言する/公表する 年金 under the pre-2016 支配するs you get the choice between a lump sum and 増加するd 支払い(額)s. Steve Webb explains the previous generous system - which 現在/一般に earns you 7.25 per cent 利益/興味 on your deferred 明言する/公表する 年金 - and what happens in the unfortunate event you die before taking it. Also, what are the 支配するs if you want to defer your 明言する/公表する 年金 now?

EXCLUSIVE

Lightyear, which 開始する,打ち上げるd in the UK in 2021 by former Wise staff as a 競争相手 to the likes of Freetrade, has today 開始する,打ち上げるd accounts for small 商売/仕事s.

普通の/平均(する) income of the poorest pensioners has risen 5% since 2011, compared with a 12% 引き上げ(る) for all those 老年の 66 and over, and 13% for 労働者s.

Do I have to declare capital gains and dividends if they are tax-free?

I held some 株 in 投資 信用s outside of an Isa and sold them all in March, so that I could take my 利益(をあげる)s before the 資本/首都 伸び(る)s 税金 allowance was 削減(する). Both my (株主への)配当s and 資本/首都 伸び(る)s are under the threshold. Do I have to 宣言する them on my self-査定/評価 税金 return? We explain how it 作品.

High house prices, 増加するing living costs, insufficient 貯金, rising rents and mortgage 率s have all 連合させるd to 押し進める home 所有権 out of reach for many.

Does it 事柄 if you're a '最高の' nimby? And if you do want to fight 支援する against 開発s in your area, what's the sensible way to do it?

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 Hertfordshire £13,500
£1,000,000 Cumbria £50,000
£100,000 Southampton £20,000
£100,000 Havering £5,000
£100,000 North Yorkshire £49,999
£100,000 Outer London £10,000
£100,000 Outer London £5,000
£100,000 Kirklees £100
More July 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of July 2024 勝利者s
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Tourist 率s

通貨 Buy now
Updated 29 Jul 2024.
Euro 1.159 Buy Now
US Dollar 1.258 Buy Now
Australian Dollar 1.873 Buy Now
Barbados Dollar 2.216 Buy Now
Brazilian Real 4.893 Buy Now
Bulgarian Lev 2.164 Buy Now
Canadian Dollar 1.716 Buy Now
Chinese Yuan 8.699 Buy Now
Croatian Kuna 8.293 Buy Now
Czech Koruna 29.25 Buy Now
Danish Krone 8.559 Buy Now
Hong Kong Dollar 9.777 Buy Now
Hungarian Forint 452.2 Buy Now
Icelandic Kr??na 164.3 Buy Now
Indian Rupee 87.48 Buy Now
Indonesian Rupiah 15659.0 Buy Now
Israeli New Shekel 4.177 Buy Now
Jamaican Dollar 147.8 Buy Now
Japanese Yen 190.1 Buy Now
Jordanian Dinar 0.778 Buy Now
Kenyan Shilling 135.1 Buy Now
Malaysian Ringgit 5.295 Buy Now
Mexican Peso 26.68 Buy Now
New Taiwan Dollar 35.76 Buy Now
New Turkish Lire 40.56 Buy Now
New Zealand Dollar 1.847 Buy Now
Norwegian Krone 13.65 Buy Now
ポーランドの(人) Zloty 4.92 Buy Now
Romanian New Leu 5.434 Buy Now
ロシアの ルーブル 75.14 Buy Now
Singapore Dollar 1.685 Buy Now
South African ランド 22.73 Buy Now
South Korean Won 1549.0 Buy Now
英貨の/純銀の 1.0 Buy Now
Swedish Krona 13.35 Buy Now
スイスの フラン 1.12 Buy Now
Thai Baht 42.0 Buy Now
UAE Dirham 4.604 Buy Now
Vietnamese Dong 27664.0 Buy Now
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