Money

I am a 全国的な 顧客. Recently, I went to open a 貯金 account and had to jump through a lot of intrusive questions to do so. Why does 全国的な need to know my 雇用者, 雇用者's 演説（する）／住所, 職業 役割, と一緒に 年次の income and where the money is coming from to open the 貯金 account?

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...

I am waiting for an 相続物件 from my father who passed away a while ago and his 広い地所 is going through Probate at the moment. I would like to give our son a third of what I receive. My husband will receive the other third. Can I give my son this money, and will either of us be 税金d? What can we do to mitigate this if so?

The 議論の的になる new Ford Capri - which has 獲得するd a lot of online 乱暴／暴力を加える - has finally 開始する，打ち上げるd. The EV クーデター-SUV is a.£48k family car with 389 miles of 範囲. We went to Marseille to give it its 全世界の first 運動 to see if it is worthy of carrying one of the greatest British car nameplates of all time.

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.

中国 is in a major 経済的な 危機 - perhaps the most serious since it 始める，決める out on its dizzying trajectory of 経済成長 more than four １０年間s ago. Millions of 消費者s and 投資家s are anxiously waiting to see how the 当局 will 答える／応じる. This is not just a debacle 広げるing thousands of miles away. If you own one of a number of major 中国-linked 在庫／株s or a FTSE 100 tracker, then you should be 支払う／賃金ing attention. And even if your 大臣の地位 is not exposed, you should still care about 中国. The sheer 規模 of the Chinese economy means it 事柄s to us all.

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.

財政上の 専門家s say it is important not to panic, but there are a few simple tweaks you could still make to 保護する your cash from a 税金 得る，とらえる. We look at what 可能性のある changes might be in 蓄える／店 and some of the changes that you can make ahead of the Autumn 予算.

My wife 主張するs we should 連合させる our bank accounts now we are married. We are both on our second marriage and didn't really talk about how we 手配中の，お尋ね者 to 扱う 財政／金融s as we've been やめる relaxed about our lives ahead, and with our kids almost grown-up. I feel 抵抗力のある to the idea, but I am not sure why. She hasn't been irresponsible with money or anything like that. It's more about the タイミング of her 需要・要求する that's making me uncomfortable. Money psychotherapist Vicky Reynal has the answer...

Next has said it is on 跡をつける to make over £1billion in 利益（をあげる） this year after upping its 見通し for the third time in three months. Tesco, 示すs & Spencer and B&Q owner Kingfisher are the only other 名簿（に載せる）／表（にあげる）d UK 蓄える／店 chains to have raked in £1billion in 利益（をあげる）s in a 選び出す／独身 year. Next 元気づけるd a colder 天候 上げる to sales of its autumn and winter 範囲s, with 十分な-price sales rising 7.6 per cent in its third ４半期/4分の1 to 26 October.

分析家s at 投資 banks across the City 推定する／予想する the 財務省 to 発表する 計画（する）s to take on some £300billion of new 負債 this year through the sale of gilts. The （判断の）基準 ten-year gilt 産する／生じる climbed to 4.29 per cent, a 率 not seen since before the General 選挙 in July.

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.

House prices could rise 意味ありげに next year, によれば one mortgage 貸す人, as 買い手s' borrowing 力／強力にする will get a 上げる from 落ちるing 利益／興味 率s. 専門家s at MPowered Mortgages think that if the base 率 落ちるs as low as 3.5% - like some 分析家s are 予報するing - some mortgage borrowers could find themselves able to borrow up to 18% more. Landlords would also 利益 from the combination of lower 利益／興味 率s and higher rents, meaning their 利益（をあげる）s could be 始める，決める to 増加する.

The markets here are nervous - and understandably so - about （ドイツなどの）首相／（大学の）学長 Rachel Reeves's 予算 on Wednesday. On a 全世界の level, one would 自然に 推定する／予想する markets to be jittery about another event that is also just a few days away, すなわち the 結果 of the US 選挙. That's more important for us too, not just our American cousins. So what should we think about that?

At today's gold price of $2,733/Oz, just a 選び出す／独身 400 Troy Ounce 'Large 妨げる／法廷，弁護士業' will cost you $1 million, or £840,000. The gold 採掘 companies whose 株 are 貿易（する）d on the world's 在庫／株 交流s can be valued by 手段ing their published 資源 and reserve ounces of gold and the 在庫／株 交流s have 明確な／細部 ways in which these can be 手段d and published.

Legend has it that cats have nine lives. 井戸／弁護士席 Jaguar may now be 危険ing its ninth and final life in an all-or-nothing 賭事 for its 存在. Many seasoned モーター 産業 観察者／傍聴者s believe so. It is one of three new EV models on which the leaping cat 会社／堅い is 火刑／賭けるing its entire 未来 as a fully electric-only and more upmarket brand, with prices starting from just under £100,000 - or 二塁打 that of the 普通の／平均（する） 現在の Jaguar - up to £120,000.

If you have a 負担 of these toys lying around from when you were a kid in the 90s, you could sell them for much more than you bought them for. Ebay says some toys can sell for over £50, 顕著に the 星／主役にする Wars lego 職業 lot which has an 普通の／平均（する） selling price of £52.

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.