Money

I recently went on a family holiday to Malaga, 飛行機で行くing with Ryanair. On the way home, my child's pushchair got broken at some point between me checking it in at Malaga airport, and 選ぶing it up again at 物陰／風下d Bradford. I 報告（する）／憶測d the broken buggy at the airport, yet now I've been told I was given the wrong （警察などへの）密告，告訴（状） and should have filled out an online form too - but I am out of time.

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.

Americans love their 星／主役にする-Spangled 旗，新聞一面トップの大見出し／大々的に報道する, the French are obsessed with 国家の pride but we Brits have a problem with patriotism. A 最近の 投票 showed that only 20 per cent of us feel really proud of our country, with numbers 落ちるing even その上の の中で the young. 不本意 to recognise our strengths has 延長するd to the UK 株式市場. Prices are cheap, yet many savers continue to put their money どこかよそで, while 年金 基金s 配分する いっそう少なく than 5 per cent of their cash to home-grown 在庫／株s. Now, however, 感情 may be 転換ing. US 科学（工学）技術 在庫／株s are wobbling and 今後-thinking 投資家s are beginning to 高く評価する／（相場などが）上がる what UK markets have to 申し込む／申し出.

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.

Landlords are 準備するing for yet more 規則 in the form of the 政府's new Renters' 権利s 法案, and homeowners are 緊急発進するing to take advantage of 落ちるing mortgage 率s. The result is 速く changing prices and 供給（する） of 所有物／資産／財産s on the market and a very 変化させるd picture across the country.

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...

With インフレーション is 支援する 負かす／撃墜する at 2.5%, its lowest for three-and-a-half years, and the Fed has turned its attention to worries about a flagging 職業s market. Fed 長，指導者 Jerome Powell (pictured) said: 'This recalibration will help 持続する the strength of the economy and the 労働 market, and will continue to enable その上の 進歩 on インフレーション.

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.

I've been told by the DWP that my late mother is 借りがあるd five years' 価値（がある） of 年金 credits. Would this form part of my mother's 広い地所 or are the 支払い（額）s made direct to the next of 肉親，親類? Steve Webb answers his 400th question from a This is Money reader today...

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.

Jenny had been made redundant from a 職業 in healthcare and was about to start work as a waitress when she landed the 'remarkably lucky' 調書をとる／予約する 取引，協定 in her 20s. Her romantic comedy bestsellers now bring in a seven-人物／姿／数字 sum each year and are published around the world, with new readers discovering the 38 調書をとる／予約するs in her backlist, she tells Donna Ferguson. Now 52, she lives in a 城 in Fife with her husband Andrew, 59, a 海洋 engineer, and three children, Wallace, 19, Michael-Francis, 17 and Delphine, 15.

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.