The bank - 設立するd in 1878 - was 激しく揺するd by a 判決 from the 法廷,裁判所 of 控訴,上告, which 支配するd last month that (売買)手数料,委託(する)/委員会/権限s paid between banks and 仲買人s on car 取引,協定s may be unlawful because they were not 明確に flagged to the 顧客. The 事例/患者 中心d on 'discretionary (売買)手数料,委託(する)/委員会/権限 手はず/準備' used by the モーター 財政/金融 産業 before they were banned in 2021. The shock 裁判/判断 has raised 恐れるs 貸す人s could be on the hook for up to £16billion in 補償(金) payouts.
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- Mortgage 率s below 4% disappear: Why are they going up as 利益/興味 率s 落ちる?
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- Number of Isa millionaires 急に上がるs, as 最高の,を越す 25 投資家s 持つ/拘留する an 普通の/平均(する) of £8.9MILLION
BUSINESS & MARKETS
Want growth? Look North, and help 上げる 年金s in the 過程, says RUTH SUNDERLAND
As MP for 物陰/風下d West and Pudsey, Rachel Reeves should be 井戸/弁護士席 aware of how unevenly 繁栄 is spread and of the North's wasted 可能性のある. If people knew some of their 貯金 were 存在 channelled into, say, a 事業/計画(する) to 改善する the 地元の rail service or to 支援する start-ups creating 職業s in their area, it might encourage them to 支払う/賃金 in more and create a virtuous circle. 年金 providers could tell savers much more about where their money is going and 生成する a sense of excitement about 事業/計画(する)s around the country. Instead, their communications are 理解できない and tedious. They must try harder.
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MONEY NEWS & ADVICE
How to 避ける 支払う/賃金ing 税金 on 貯金 - don't let it eat your 利益/興味
A new best buy 平易な-接近 cash Isa 取引,協定 has 開始する,打ち上げるd 申し込む/申し出ing savers a chance to 安全な・保証する almost 5 per cent 利益/興味 税金 解放する/自由な. The smart money app, Plum, is 申し込む/申し出ing the market 主要な and is 開始する,打ち上げるing at a time when 平易な-接近 貯金 率s have been 落ちるing. The 4.92 per cent 率 含むs a 特別手当 率 of 0.88 per cent for the first year.
JEFF PRESTRIDGE: Now 5,000 join High 法廷,裁判所 活動/戦闘 over losses from Neil Woodford's 公正,普通株主権 Income 基金
Litigation specialist RGL 管理/経営 is 決定するd to 持つ/拘留する 投資 壇・綱領・公約 Hargreaves Lansdown to account for the part it played in the Woodford saga. RGL has told me more than 2,000 claimants have been 追加するd to the group (人命などを)奪う,主張する brought against the wealth 経営者/支配人 in October 2022 with the number of claimants now more than 5,000. RGL says the 活動/戦闘 is for the losses that 投資家s 支えるd as a result of the 壇・綱領・公約 recommending the Woodford 基金 - run by Woodford - 権利 up until the day of its 中断.
My partner and I 分裂(する) - should we keep our 共同の £300k mortgage? DAVID HOLLINGWORTH replies
We have a two-year 直す/買収する,八百長をするd 率 mortgage which comes to an end next June. Me and my partner separated but 持続するing the mortgage 支払い(額)s. We 支払う/賃金 fifty-fifty. We have £300,000 left on our mortgage and about 25 years. He still wants us to keep the mortgage together to get better 率s and think us changing anything will only 衝撃 our mortgage. What are my 選択s?
I had to abandon my family home with my children 13 years ago - why do I now 直面する a 大規模な CGT 法案? HEATHER ROGERS replies
Unfortunately in 2011 I made the difficult 決定/判定勝ち(する) to move out of the family home 予定 to an ますます difficult and 緊張するd 関係 that was not 役立つ to a healthy 環境 for my two young children, and my ex-husband 拒絶する/低下するd to move out of the family home himself. I moved 地元で and proceeded to rent a flat for 11 years, putting a roof over all our 長,率いるs. I worked all hours to 確実にする I could 供給する a stable and 平和的な home for my children. My ex-husband continued to live in the family home, and I was misinformed about moving out and any 可能性のある 資本/首都 伸び(る)s 税金 危険.
Raise a glass to your 大臣の地位: 株 prices are so low you may think you're wearing beer goggles - but pub chains are 広大な/多数の/重要な 投資 取引,協定s
Pubs 直面する a multi-million-続けざまに猛撃する blow from 雇用者s' 国家の 保険 増加するs and the higher 最小限 行う. These changes have 原因(となる)d a sharp 降下/家系 in the 株 prices of Wetherspoons, Marston's and Mitchell & Butlers, which are some of the 部門's big 名簿(に載せる)/表(にあげる)d 指名するs. But is this a 正当化するd reaction, 示すing that pubs can no longer be a warm and welcoming space for 投資家s? Or do the 株 price 落ちるs 現在の a chance to 支援する the pub companies that can 偉業/利用する the new more challenging 環境, although 利益(をあげる) 利ざやs are already thin and 消費者s 潜在的に 抵抗力のある to yet more price rises. After all, the more innovative players in the licensed 前提s game may be able to 掴む market 株 from competitors who buckle in the 直面する of the 付加 税金 重荷(を負わせる).
(警官の)巡回区域,受持ち区域 the public EV 非難する 宝くじ: We 明らかにする/漏らす the best 操作者s to 減ずる your chances of getting caught out
Some 3,700 EV drivers have had their say on which providers have the best 早い and ultra-早い 非難する 網状組織 in the UK in the 最新の 投票 by Zapmap. The 年次の 調査する was carried out during October and were asked to 得点する/非難する/20 the 操作者s they've used in the last 12 months based on reliability, 緩和する of use, 顧客 support, value for money and 支払い(額) 選択s. These are the 勝利者s.
MORE BUSINESS & MARKETS NEWS
AstraZeneca bets its 未来 on US growth: Blow for 労働 as 麻薬s 巨大(な) steps up 投資 in Trump's America
The move, under 長,指導者 (n)役員/(a)執行力のある Pascal Soriot, will be a 上げる for Donald Trump's 後継の 行政. But it will be seen as a 後退 for the 労働 政府, which is looking to 生命科学 会社/堅いs such as Astra to turbo-告発(する),告訴(する)/料金 growth in the UK. The US is already by far Astra's largest market, accounting for 44 per cent of 全世界の 歳入s.
YOUR MONEY ESSENTIALS
CRANE ON THE CASE: I asked for my 年金 早期に as I have モーター neurone 病気 - but Railpen's 悲惨な service means I have been waiting a YEAR
I am 64 years old, and took 早期に 退職 six years ago 予定 to ill health. At first I didn't know what was making me so ill, but after several years of trying I received a diagnosis of モーター neurone 病気 in 2021. It is very important to me to 確実にする all of my 財政/金融s are in order before my 条件 悪化するs and I am unable to communicate 効果的に. I 暴露するd a forgotten defined 利益 年金 from when I was an 見習い工 in the 1970s - but I have been trying to (人命などを)奪う,主張する it for a long time and gotten nowhere.
First glimpse of Jaguar's make-or-break electric car: £100k EV 秘かに調査するd 実験(する)ing as British 会社/堅い gears up for 殴打/砲列-only rebrand in 2026
The British 製造業者, which has stopped selling cars in the UK for 12 months, has 解放(する)d images of the 殴打/砲列-力/強力にするd model it hopes will spearhead its EV rebrand. Pictures show a ひどく 偽装するd 原型 of its make-or-break electric car 予定 to be 解放(する)d in 2026 as it 乗る,着手するs on the first 段階 of a 最高の,を越す secret 全世界の 実験(する)ing programme that will run for months. The four-door grand tourer will be one of three new 賞与金 EV models it has 約束d, with prices to start from just under £100,000.
I'm 41 and never considered IHT a problem but if I died would my children now lose a big chunk of my 年金?
In our wills we leave everything to each other if one of us dies and in the terrible シナリオ where we both died, we would leave everything to the children. As it stood before the 予算, they would have been able to have the house, our 貯金 and 年金s without losing any money to 相続物件 税金. Would our children now lose 40 per cent of our 年金s to 相続物件 税金?
Three 急速な/放蕩な-growing US companies and why we 投資する in them - Baillie Gifford US Growth 信用
The culture of America brings an 'X factor' for growth companies, says Ben James, 投資 specialist, with Baillie Gifford US Growth 信用. 同様に as 持つ/拘留するing some 世帯 指名するs, the 信用 also hones in on companies that UK 投資家s may not have heard of - and which it believes will innovate, 混乱に陥れる/中断させる and grow 速く to become the next 世代 of 井戸/弁護士席-known growth 星/主役にするs.
I want to give my home to my nieces and 甥: Can I rent it 支援する from them to live in, and would this 避ける an 相続物件 税金 法案?
I would like to 移転 所有権 of my three-bedroom house, which is 現在/一般に 価値(がある) だいたい £550,000 to my 甥 and nieces (in equal 割合s) to 利益 from the seven year 支配する and 避ける 相続物件 税金. I would need however to rent out three rooms and live in one room myself to afford the rent. Would this mean that I am still 利益ing from the house such that it would still be a 'gift with 保留(地)/予約' for 相続物件 税金 目的s?
How a petrolhead postman took on the car 貸付金 巨大(な)s and won - and now you could claw 支援する thousands too
Postman Andrew Wrench (pictured) is the 勇敢な 顧客 who took on 貸す人s that '内密に' 支払う/賃金 (売買)手数料,委託(する)/委員会/権限 to car salesman to flog their 貸付金s - and won. His fight for 司法(官) has resulted in a 法廷,裁判所 of 控訴,上告 決定/判定勝ち(する) that's sending shock waves through the 産業 and may cost banks £13bn as they 支払う/賃金 補償(金) for hidden (売買)手数料,委託(する)/委員会/権限 taken from seven million 運転者s since 2007.
Five of Britain's biggest mortgage 貸す人s 引き上げ(る) 直す/買収する,八百長をするd 率s: Why are costs RISING after the Bank of England 削減(する)?
The 引き上げ(る)s will be a 関心 for mortgage borrowers on 直す/買収する,八百長をするd 率 取引,協定s who need to 新たにする in the next year. The Bank of England said in its November 通貨の 政策 報告(する)/憶測 that about 800,000 直す/買収する,八百長をするd 率 mortgages 現在/一般に on 率s of 3 per cent or いっそう少なく will come up for 再開 per year until the end of 2027.
I 苦しむd a cardiac 逮捕(する) at work but my 保険会社 won't を引き渡す my £50,000 payout: SALLY SORTS IT
I 苦しむd a cardiac 逮捕(する) at work in February. Thankfully, my heart was 再開するd by paramedics with CPR and a defibrillator. I was in a 昏睡 for two days and in a 批判的な care 部隊 for six days. I spent three weeks in hospital and had an implantable cardioverter defibrillator - a type of pacemaker - 挿入するd in my chest. I will have to take 医薬 for the 残り/休憩(する) of my life and 減ずる my workload. I went to (人命などを)奪う,主張する on the LV= 批判的な illness 政策 I've been 支払う/賃金ing for since 2011 but was told cardiac 逮捕(する) was not covered and I would not get the £50,000 payout I 推定する/予想するd. This is so 不正な. Please help.
Should 雇用者s 分裂(する) 年金 出資/貢献s 50/50 between couples to 演説(する)/住所 gender 不平等? STEVE WEBB replies
There must be a simple way to 分裂(する) 年金 出資/貢献s between partners. For example you could 簡単に make 雇用者s create two マリファナs one for each partner and then 支払う/賃金 half of all 出資/貢献s to each マリファナ. Sure there is a bit more admin and it creates more マリファナs but at least it 演説(する)/住所s the 不平等 between usually men and women. For example, my 年金 is four times that of my wife's マリファナ.
Seven-床に打ち倒す townhouse moments from Trafalgar Square on sale for £10m - but it only has ONE bedroom
A one-bedroom townhouse moments from Trafalgar Square in London is on sale for £10million. 位置を示すd on Craven Street, the Grade II-名簿(に載せる)/表(にあげる)d house (期間が)わたるs seven 床に打ち倒すs and 申し込む/申し出s 見込みのある 買い手s period features 同様に as 同時代の finishings. At 現在の, the 所有物/資産/財産 has a slew of different 歓迎会 rooms, but it has the 可能性のある to become a six-bedroom 所有物/資産/財産, 広い地所 機関 Dexters said.
I'm thinking of 打ち明けるing cash from my home using 公正,普通株主権 解放(する): Can I still leave an 相続物件 for my children?
My husband and I are in our 早期に 60s and 計画(する) to retire in the next five years. Our 年金s are 比較して modest, but we own our home, which is 価値(がある) around £525,000, 完全な. We are considering using a lifetime mortgage, a type of 公正,普通株主権 解放(する), to 解放する/自由な up some money to make our 退職 more comfortable. However, we would still like to leave some money behind for our children after we are gone. Is it possible to keep some of the 公正,普通株主権 in our home 支援する for that 目的?
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賞与金 社債s 勝利者s
Prize | Area | Value of 社債 |
£1,000,000 | Warwickshire | £25 |
£1,000,000 | Cornwall | £15,000 |
£100,000 | Essex | £100 |
£100,000 | Cheshire East | £13,000 |
£100,000 | Oxfordshire | £25,000 |
£100,000 | Inner London | £5,000 |
£100,000 | Outer London | £50,000 |
£100,000 | Avon | £25,000 |
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- I 相続するd a 税金-解放する/自由な 年金 from my husband who died before 75 - what happens after 予算 changes?
- How to 避ける 落ちるing into the 貯金 税金 罠(にかける) - and get the best cash Isa 広告 Feature
- Millions will get their £10 DWP Christmas 特別手当 soon - here's everything you need to know
- 怒り/怒る at one of the longest roadwork 転換s in history - this A-road has a 96-mile detour...
- What would the Isa allowance be now if it had risen with インフレーション?
- How a petrolhead postman took on the car 貸付金 巨大(な)s and won - and now you could claw 支援する thousands of 続けざまに猛撃するs too
- End of the 5% 貯金 取引,協定: How 27 平易な-接近 accounts have been 削減(する) or pulled after base 率 move
- I 苦しむd a cardiac 逮捕(する) at work but my 保険会社 won't を引き渡す my £50,000 payout: SALLY SORTS IT
- Robots to take High Street 職業s after Reeves 税金 (警察の)手入れ,急襲:?商売/仕事s 始める,決める to turn to 科学(工学)技術 as they 直面する rising staffing costs
- I may have been wrong about bitcoin in the past - but every 泡 is almost 確かな to burst, says ALEX BRUMMER
- Car 製造者s 削除する new EV prices by up to a THIRD in desperate 企て,努力,提案 to 会合,会う binding end-of-year sales 的s
- I bought 限られた/立憲的な-版 Paddington print for £30 調印するd by author Michael 社債 - is it 価値(がある) £1k? DAN HATFIELD replies
- Should we get 雇用者s to 分裂(する) 年金 出資/貢献s 50/50 between couples? Steve Webb replies
- 最高の,を越す 10 uninsured 運動ing hotspots 明らかにする/漏らすd and Birmingham postcodes 支配する the 名簿(に載せる)/表(にあげる)
- One third of homes on market are chain-解放する/自由な, as 買い手s 捜し出す a quick move ahead of stamp 義務 引き上げ(る)
- Why now could be just the 権利 time to 投資する in gold: What 中国's rise, Putin's ambitions and Trump's return all mean for the 安全な-港/避難所 資産
- The ultimate doer-upper? Three farm 陰謀(を企てる)s going up for auction this month
- I started 投資するing £25 a month when I was on £21,000 a year - now I've got almost £200,000
- We 調書をとる/予約するd a five-day TUI German Christmas market 小旅行する but two won't happen: TONY HETHERINGTON
- Major British banks 削減(する) mortgage 率s after base 率 落ちるs - but 専門家s 警告する on 未来 直す/買収する,八百長をするd 取引,協定s
- JEFF PRESTRIDGE: The 保険 market 欠陥 that must be 修正するd NOW
- ALEX BRUMMER: UK 退職 基金s are an 資産 管理/経営 blob
- How to defend your 年金 from the taxman: Eight tips from the 専門家s
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- Can married couples 相続する 年金 マリファナs 税金-解放する/自由な after the 予算 changes?
- I'm 66 in April 2026 so how long will I have to wait for my 明言する/公表する 年金?
- Do Waspi women have to 登録(する) to get 補償(金)? STEVE WEBB 警告するs against scam websites
- What is 'COPE' and why has it 消えるd from 明言する/公表する 年金 声明s?
- I put £750 a month in a 年金 for my son - how does 税金 救済 work?
- I'm 83 and 無能にするd, so why don't I get help with energy 法案s? STEVE WEBB 旗s little-known 年金 credit 上げる
- Why has the Teachers' 年金 計画/陰謀 延期するd my 離婚 for a over a year... and counting
- DWP says my late mother was underpaid 明言する/公表する 年金, so who 相続するs this money?
- I'm worried that means-実験(する)d 年金s might come in before I retire - how likely is it?
MIDAS SHARE TIPS
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- MIDAS SHARE TIPS: These 在庫/株s can be the real 予算 勝利者s...five companies for 勇敢に立ち向かう 投資家s
- MIDAS SHARE TIPS: Car sales ソフトウェア 会社/堅い Pinewood 陰謀(を企てる)s 全世界の 拡大
- MIDAS SHARE TIPS UPDATE: 投資するing in Hollywood Bowl could up your 得点する/非難する/20
- MIDAS SHARE TIPS: Coleen Rooney-支援するd 適用するd 栄養 has 力/強力にする to 本体,大部分/ばら積みの up your 基金s
- MIDAS SHARE TIPS: 農業者s switch to renewables in a 上げる to Good Energy
- MIDAS SHARE TIPS UPDATE: Our tip Harworth bounces 支援する
- MIDAS SHARE TIPS: 株 the rich fruits of Raspberry Pi - the tech 開拓する that could be the UK's answer to Nvidia
- MIDAS SHARE TIPS:?Give your 大臣の地位 a 力/強力にする 上げる with mineral 鉱夫 君主 Metals
- MIDAS SHARE TIPS UPDATE:?未来 looks 有望な for 取引 make-up brand Warpaint
FUND AND TRUST IDEAS
- AEGON GLOBAL EQUITY INCOME: 基金 jam-packed with 株式市場's biggest beasts
- CHARTERIS GOLD & PRECIOUS METALS: Boutique 基金 地雷s a rich seam of 利益(をあげる) from 急に上がるing gold price
- ARTEMIS SMARTGARP GLOBAL EMERGING MARKETS EQUITY FUND is using data to stay ahead of the pack
- ABRDN UK SMALLER COMPANIES GROWTH TRUST: The 取引 基金 追跡(する)ing big UK 会社/堅いs of tomorrow
- JP MORGAN EUROPEAN GROWTH & INCOME 取引 追跡(する)ing 得るs rewards
- EDENTREE RESPONSIBLE AND SUSTAINABLE EUROPEAN EQUITY: 基金 支援 a greener 未来
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- ORBIS GLOBAL CAUTIOUS FUND 申し込む/申し出s a 安全な 港/避難所 in an ますます dangerous world
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最新の: Mortgages
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- House price rises 予報するd as 買い手s 急ぐ to (警官の)巡回区域,受持ち区域 stamp 義務 最終期限
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最新の from Saving & banking
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通貨 | 率 | Buy now |
---|---|---|
Updated 17 Nov 2024. | ||
Euro | 1.1709 | Buy Now |
US Dollar | 1.2378 | Buy Now |
Australian Dollar | 1.888 | Buy Now |
Barbados Dollar | 2.216 | Buy Now |
Brazilian Real | 4.893 | Buy Now |
Bulgarian Lev | 2.181 | Buy Now |
Canadian Dollar | 1.736 | Buy Now |
Chinese Yuan | 8.699 | Buy Now |
Croatian Kuna | 8.293 | Buy Now |
Czech Koruna | 29.38 | Buy Now |
Danish Krone | 8.629 | Buy Now |
Hong Kong Dollar | 9.774 | Buy Now |
Hungarian Forint | 465.5 | 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 | 189.3 | Buy Now |
Jordanian Dinar | 0.778 | Buy Now |
Kenyan Shilling | 135.1 | Buy Now |
Malaysian Ringgit | 5.294 | Buy Now |
Mexican Peso | 26.68 | Buy Now |
New Taiwan Dollar | 35.76 | Buy Now |
New Turkish Lire | 42.04 | Buy Now |
New Zealand Dollar | 1.847 | Buy Now |
Norwegian Krone | 13.85 | Buy Now |
ポーランドの(人) Zloty | 4.998 | Buy Now |
Romanian New Leu | 5.434 | Buy Now |
ロシアの ルーブル | 75.14 | Buy Now |
Singapore Dollar | 1.653 | Buy Now |
South African ランド | 22.31 | Buy Now |
South Korean Won | 1549.0 | Buy Now |
英貨の/純銀の | 1.0 | Buy Now |
Swedish Krona | 13.28 | Buy Now |
スイスの フラン | 1.087 | Buy Now |
Thai Baht | 41.38 | Buy Now |
UAE Dirham | 4.622 | Buy Now |
Vietnamese Dong | 27664.0 | Buy Now |
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最新の from Cards & 貸付金s
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最新の from 投資するing
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