Money

This is Money columnist Steve Webb receives many questions about 私的な 年金s. We've 収集するd his columns on 12 frequently raised topics - 含むing finding lost 年金s, rogue 雇用者s, starting to save late in life, and more.

More than half of Gen Z 労働者s have stopped 支払う／賃金ing into their 年金 during their short career as they struggle with daily expenses, によれば 研究. Some 21% of youngsters said they are 現在／一般に saving nothing に向かって their 退職, data from 新規採用 会社／堅い Robert Walters 明らかにする／漏らすs, while 51% have paused their 出資／貢献s at some point.

Two thirds of car 買い手s (65%) told 自動車 仲買人 they ーするつもりである to spend no more than £20,000 on their next 乗り物 - a 予算 which puts most new 殴打／砲列 models far out of reach. によれば its 最新の 報告（する）／憶測, the median 小売 price of a new fully electric car is £51k; 31% higher than a new 石油 or ディーゼル model. As a result, more drivers are turning to hybrid cars as a greener 選択. However, more affordable EVs are in the pipeline, starting this year with the 開始する，打ち上げる of the sub-£15k Dacia Spring (inset 最高の，を越す) and £22,000 Citroen e-C3 (inset 底（に届く）).

My mother at 現在の is 罰金 and 井戸／弁護士席. Would there be any repercussions if my brother and I were to buy her house, which is 価値（がある） だいたい £180,000, and she has about £20,000 in the bank. We are just trying to think ahead in 事例／患者 she has to 結局 go into a home. I know she is 井戸／弁護士席 under the £325,000 for 相続物件 税金. Lawyer Ben Tyer, pictured, of SAS Daniels replies.

As 支配するs 保護するing 接近 to cash come into 軍隊 today, 15 towns will see new banking 中心s open within 12 months. The 場所s are spread across England, むちの跡s and Scotland, from Newquay, Cornwall to Huntly, Aberdeenshire.

A 悪意のある 発言する／表明する cloning scam is on the rise, but almost half of people have never heard of it. Over a ４半期/4分の1 of people say they have been 的d by AI 発言する／表明する cloning scams at least once in the last 12 months.

The company said it now 推定する／予想するs 歳入s to rise by more than 10% having 以前 予測（する） いっそう少なく than 10%. Hannah Gibson (pictured), the boss of Ocado 小売, its 共同の 投機・賭ける with M&S, said 成果／努力s to 削減（する） grocery prices had helped it attract more shoppers. The 増加する was driven by more people placing orders on its website and 顧客s filling up their baskets.

Landlords are を締めるing for another 猛攻撃 of 規則, 料金s and 制限s which could 攻撃する，衝突する 利益（をあげる）s and strangle their 投資s with red tape. Neel Patel (pictured), who has 15 所有物／資産／財産s in London, is 関心d by several 問題／発行するs in the 法案, 含むing the 規定 that he cannot unreasonably 辞退する pets.

When my 年次の 会員の地位 at the David Lloyd fitness club （機の）カム up for 再開 in June, I was 知らせるd that my 料金 would rise by 67pc from £1,335 to £2,232. I wasn't happy, but reluctantly agreed to the new price and believed I would have the same 接近 as before. I paid upfront as that is cheaper than 支払う／賃金ing 月毎の. But when I went online to 調書をとる／予約する a tennis 開会／開廷／会期, I was told I was no longer a racquets member. I complained and was told that 追加するing tennis and the spa would cost another £756 for the year.

Some 9.9m out of the 43.7m 実験（する）s 行為／行うd in 2023 were 不成功の, によれば 分析 of 政府 人物／姿／数字s by the RAC 創立／基礎. 乗り物s can fail the 年次の roadworthiness check-up for more than 600 different 推論する／理由s - we 明らかにする／漏らす the most obscure that you probably didn't know could stop your car passing and cost you money to put your モーター through another 実験（する）.

Steve Webb answered his 400th reader question this week. 'I think it should be compulsory for every 年金s 大臣 to read through my This is Money inbox every week to get a better understanding of the 面s of the 年金 system which 混乱させる, 怒り／怒る and 失望させる people,' he says. Based on what he's learned, Steve has come up with four things the 政府 and 年金s 産業 should do to 改善する the system...

It's the closest riders can get to buying a 十分な-血d race bike from a showroom with a number plate and 指示する人（物）s, and then 合法的に using it on the road. The cost is 同等（の） to that of a new Mercedes-Benz A-Class - one of the more luxurious family hatchback cars on the market with enough room for a five people and their luggage, a lavishly-finished 内部の and bundled with heaps of gizmos. It means this two-wheeled ロケット／急騰する needs to 申し込む／申し出 unparalleled 業績／成果 to 令状 such a 法外な price tag.

無分別な moves could 本気で backfire, some of them leaving you far worse off than if you'd left things alone, say Sarah Coles and Helen Morrissey of Hargreaves Lansdown. Endless 憶測 has 説得するd an awful lot of people they need to take 活動／戦闘 now, to 保護する themselves from whatever the 予算 on 30 October 持つ／拘留するs in 蓄える／店, they 警告する.

You are far more likely to be better off in 退職 if you take an active 利益／興味 in your work 年金. Those you 蓄積する over your working life can become a very 価値のある 資産 - usually second only to your home, should you own one. The money you put in is topped up the 政府 in any 年金, but by your 雇用者 同様に if it's a work 年金.

投資家s are spoilt for choice when it comes to deciding on 基金s and 投資 信用s that can put their money to work. We asked 信用d 専門家s to recommend the best 基金s that cover different 投資 部門s - and 含むd This is Money's 選択 of active and passive 選択s too.

関係 決裂／故障s can lead to 衝突 over money 手渡すd over not only to buy homes, but to 支払う／賃金 for weddings and even fertility 治療s, によれば a 法律 会社／堅い. Sky-high house prices have led many families to give 貸付金s or gifts to adult children to help them get on the 所有物／資産／財産 ladder, which can lead to problems if they have partners who 与える／捧げる either いっそう少なく or nothing to the 購入（する）. But you can put 対策 in place to 保護する your money and get it 支援する in 事例／患者 they 分裂（する） up later, which lawyers explain here.

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.