THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first THE 18-YEAR PROPERTY CYCLE TIPS A HOUSE PRICE BOOM THEN For the UK, he points to the evidence of the mid-cycle wobble in 2019 when average house prices increased by just 0.6 per cent in the year

to August

TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY 01/05/21 12:33. Nectar say it is up to Sainsbury's to deal with this. However, Sainsbury's say they cannot do anything without CCTV to show that I was not in the store, and they have deleted the BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without THE 10 MOST RELIABLE SUVS YOU CAN BUY IN The Peugeot 3008 is the only diesel-specific model to make it into this list of top 10 reliable cars, which is a concern given that the vast majority of SUVs are oil burners. And it isn't like the FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC 4. Improve your efficiency. When you switch to electric radiators, 100 per cent of the energy used is converted to heat, compared to a central heating system, where heat is lost through the pipes THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM AA and RSA are bottom of the pile, as the best and worst for car and home insurance claims are revealed. The AA was the worst for car insurance with a 2 star rating for communication. RSA were THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first THE 18-YEAR PROPERTY CYCLE TIPS A HOUSE PRICE BOOM THEN For the UK, he points to the evidence of the mid-cycle wobble in 2019 when average house prices increased by just 0.6 per cent in the year

to August

TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY 01/05/21 12:33. Nectar say it is up to Sainsbury's to deal with this. However, Sainsbury's say they cannot do anything without CCTV to show that I was not in the store, and they have deleted the BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without THE 10 MOST RELIABLE SUVS YOU CAN BUY IN The Peugeot 3008 is the only diesel-specific model to make it into this list of top 10 reliable cars, which is a concern given that the vast majority of SUVs are oil burners. And it isn't like the FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC 4. Improve your efficiency. When you switch to electric radiators, 100 per cent of the energy used is converted to heat, compared to a central heating system, where heat is lost through the pipes THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM AA and RSA are bottom of the pile, as the best and worst for car and home insurance claims are revealed. The AA was the worst for car insurance with a 2 star rating for communication. RSA were BUSINESS | THIS IS MONEY MARKET REPORT: Footsie pushes past 7,000 for the first time since April last year on hopes of a global economic recovery. Oilers, miners and banks were on all the charge, the sectors most likely REV RICHARD COLES: I ONCE PAID IN A CHEQUE FOR £400,000 BBC radio host Richard Coles, 59, earns more in a week doing corporate work than he does in a year as a Church of England vicar. Coles, who rose to fame as a member of 1980s pop band The BEST SAVINGS RATES: COMPARE BRANCH AND ONLINE SAVINGS Al Rayan Bank pays a tax-free rate of 0.6% on its easy-access Isa. It can be opened with £50 online, by phone or in-branch and accepts transfers. The bank is THE £2.5M PRIZE DRAW DREAM HOME THAT COULD LEAVE ITS The prize draw dream home that could leave its winner marooned: £2.5m property - offered for a £10 ticket - is prone to persistent flooding. A £2.5m five-bedroom 'Georgian-style' house is up SCAM WARNING OVER POST OFFICE SHIPPING FEE SCAM New scam warning: Fake Post Office email asks people to pay 'shipping fees' to release non-existent deliveries. Scammers are sending fraudulent emails pretending to POLICE FORCES BEGIN USING 'NEXT GENERATION' SPEED GUNS ON A number of police forces are turning to the latest TruCam II speed gun device. The blue 'next generation' handheld cameras cost in the

region of

WHY DID I GET A STATE PENSION CREDIT IN SCHOOL, BUT NONE The four years when I was in full time education from 1976 to 1980 have not been counted and it is too late to buy these back. The year prior to that when I was in the sixth form has actually been THE MOST RELIABLE USED SUVS MONEY CAN BUY IN 2019 Reliability Rating: 94.6%. Honda has always been synonymous with reliability, so it comes as little surprise that the CR-V has appeared in the top five of this list. A new version hit showrooms at SHOULD I TAKE 25% LUMP SUMS FROM ALL MY PENSION POTS AT Taking your 25% lump sums. If you decide to stick to your current plan, you could, if you wish, draw a 25 per cent tax-free lump sum

from any or all of

WHY DON'T I GET A FULL STATE PENSION WHEN I HAVE PAID 39 I have just looked up my state pension quote. It states I have �144.38 a week. Why, after 39 full years, don't I qualify for a full pension and is it worth paying for missed years? Steve Webb THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first THE 18-YEAR PROPERTY CYCLE TIPS A HOUSE PRICE BOOM THEN For the UK, he points to the evidence of the mid-cycle wobble in 2019 when average house prices increased by just 0.6 per cent in the year

to August

TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY 01/05/21 12:33. Nectar say it is up to Sainsbury's to deal with this. However, Sainsbury's say they cannot do anything without CCTV to show that I was not in the store, and they have deleted the BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without THE 10 MOST RELIABLE SUVS YOU CAN BUY IN The Peugeot 3008 is the only diesel-specific model to make it into this list of top 10 reliable cars, which is a concern given that the vast majority of SUVs are oil burners. And it isn't like the FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC 4. Improve your efficiency. When you switch to electric radiators, 100 per cent of the energy used is converted to heat, compared to a central heating system, where heat is lost through the pipes THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM AA and RSA are bottom of the pile, as the best and worst for car and home insurance claims are revealed. The AA was the worst for car insurance with a 2 star rating for communication. RSA were THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first THE 18-YEAR PROPERTY CYCLE TIPS A HOUSE PRICE BOOM THEN For the UK, he points to the evidence of the mid-cycle wobble in 2019 when average house prices increased by just 0.6 per cent in the year

to August

TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY 01/05/21 12:33. Nectar say it is up to Sainsbury's to deal with this. However, Sainsbury's say they cannot do anything without CCTV to show that I was not in the store, and they have deleted the BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without THE 10 MOST RELIABLE SUVS YOU CAN BUY IN The Peugeot 3008 is the only diesel-specific model to make it into this list of top 10 reliable cars, which is a concern given that the vast majority of SUVs are oil burners. And it isn't like the FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC 4. Improve your efficiency. When you switch to electric radiators, 100 per cent of the energy used is converted to heat, compared to a central heating system, where heat is lost through the pipes THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM AA and RSA are bottom of the pile, as the best and worst for car and home insurance claims are revealed. The AA was the worst for car insurance with a 2 star rating for communication. RSA were BUSINESS | THIS IS MONEY MARKET REPORT: Footsie pushes past 7,000 for the first time since April last year on hopes of a global economic recovery. Oilers, miners and banks were on all the charge, the sectors most likely REV RICHARD COLES: I ONCE PAID IN A CHEQUE FOR £400,000 BBC radio host Richard Coles, 59, earns more in a week doing corporate work than he does in a year as a Church of England vicar. Coles, who rose to fame as a member of 1980s pop band The BEST SAVINGS RATES: COMPARE BRANCH AND ONLINE SAVINGS Al Rayan Bank pays a tax-free rate of 0.6% on its easy-access Isa. It can be opened with £50 online, by phone or in-branch and accepts transfers. The bank is THE £2.5M PRIZE DRAW DREAM HOME THAT COULD LEAVE ITS The prize draw dream home that could leave its winner marooned: £2.5m property - offered for a £10 ticket - is prone to persistent flooding. A £2.5m five-bedroom 'Georgian-style' house is up SCAM WARNING OVER POST OFFICE SHIPPING FEE SCAM New scam warning: Fake Post Office email asks people to pay 'shipping fees' to release non-existent deliveries. Scammers are sending fraudulent emails pretending to POLICE FORCES BEGIN USING 'NEXT GENERATION' SPEED GUNS ON A number of police forces are turning to the latest TruCam II speed gun device. The blue 'next generation' handheld cameras cost in the

region of

WHY DID I GET A STATE PENSION CREDIT IN SCHOOL, BUT NONE The four years when I was in full time education from 1976 to 1980 have not been counted and it is too late to buy these back. The year prior to that when I was in the sixth form has actually been THE MOST RELIABLE USED SUVS MONEY CAN BUY IN 2019 Reliability Rating: 94.6%. Honda has always been synonymous with reliability, so it comes as little surprise that the CR-V has appeared in the top five of this list. A new version hit showrooms at SHOULD I TAKE 25% LUMP SUMS FROM ALL MY PENSION POTS AT Taking your 25% lump sums. If you decide to stick to your current plan, you could, if you wish, draw a 25 per cent tax-free lump sum

from any or all of

WHY DON'T I GET A FULL STATE PENSION WHEN I HAVE PAID 39 I have just looked up my state pension quote. It states I have �144.38 a week. Why, after 39 full years, don't I qualify for a full pension and is it worth paying for missed years? Steve Webb THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY Tony Hetherington, Financial Mail on Sunday Columnist Archive for

MailOnline

WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without ELECTRIC CARS WILL BE CHEAPER THAN PETROL BY 2027 A new report has claimed that by 2027 electric cars will be cheaper to produce than models with petrol and diesel engines. It says manufacturing costs will be lower for electric family cars and TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. THE 10 MOST RELIABLE SUVS YOU CAN BUY IN 10. Volvo XC60 (2017-) Price: from £37,785 new What Car? Reliability Rating: 97.7% The XC60 is Volvo's mid-size SUV choice, with the XC40

more compact and

BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC A report by the Confederation of British Industry published in June recommended that government ban the installation of traditional gas boilers in all homes and workplaces from 2025. THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM The AA and RSA Insurance Group have been named as the worst insurance providers for handling car and home insurance claims respectively, according to a new survey. THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first THE 18-YEAR PROPERTY CYCLE TIPS A HOUSE PRICE BOOM THEN Anybody predicting the average house price would rise 10 per cent during the lockdowns would probably have been laughed out of the room as the pandemic hit. TONY HAZELL FOR THE DAILY MAIL There has been no supply to the bungalow since August 8, 2020. Despite innumerable phone calls and live chats online, E.on continues to send us bills for power we cannot possibly have used. TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY Tony Hetherington, Financial Mail on Sunday Columnist Archive for

MailOnline

WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of FIVE REASONS TO SWITCH YOUR OLD GAS BOILER TO ELECTRIC A report by the Confederation of British Industry published in June recommended that government ban the installation of traditional gas boilers in all homes and workplaces from 2025. PRUDENTIAL SPARKS ANGER BY DELAYING PENSION PAYMENTS Pat Savage, 73, has been waiting since October for a compensation payment of around £3,500. The retired construction health and safety

manager bought a

THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCEAUTO INSURANCE MEDICAL CLAIM PROCESSFILING AN AUTO INSURANCE CLAIM The AA and RSA Insurance Group have been named as the worst insurance providers for handling car and home insurance claims respectively, according to a new survey. WHAT WILL HAPPEN TO UK HOUSE PRICES IN 2021: SAVILLS House prices to see £10,000 average increase this year, says heavily revised forecast - and one region is predicted to SURGE 30% by 2025. Average UK property price set to grow by 4% in 2021, an BUSINESS | THIS IS MONEY Almost £800m was wiped off the market value of Easyjet, Ryanair, Wizz Air, British Airways-owner IAG and plane engine maker Rolls-Royce as the City braced for another torrid summer. WANT TO FOIL SCAMMERS WHO SAY YOUR INTERNET IS ABOUT TO BE Broadband customers are being warned to be on their guard against a new scam designed to panic them by claiming there is a problem with their internet service. Sehra Choudhry was targeted. WHO ARE THE 1% IN BRITAIN AND ARE YOU ONE OF THEM? The IFS asked who are the 1%, how much does it take to get into that bracket, and are some earning so much that even within that single per cent there is a great disparity? BEST SAVINGS RATES: COMPARE BRANCH AND ONLINE SAVINGS Best savings rates: General savings - easy access online and branch. The web's best savings tables; Completely independent and unique;

Accounts with

THE £2.5M PRIZE DRAW DREAM HOME THAT COULD LEAVE ITS This £2.5m five-bedroom 'Georgian-style' house in 'the rolling Cotswolds countryside' is up for grabs in a prize draw. But the new build is prone to flooding that can leave it in several inches POLICE FORCES BEGIN USING 'NEXT GENERATION' SPEED GUNS ON The device can identify a vehicle make, model and number plate and all details captured are uploaded electronically to a database and penalty notices are automatically posted to offenders. WHY DON'T I GET A FULL STATE PENSION WHEN I HAVE PAID 39 I have just looked up my state pension quote. It states I have �144.38 a week. Why, after 39 full years, don't I qualify for a full pension and is it worth paying for missed years? Steve Webb SHOULD I BUY EXTRA YEARS TOWARDS MY STATE PENSION? I ONLY Should I top up my state pension? I am 62 and only have seven years' National Insurance paid up so far. By Steve Webb for This Is Money. Published: 02:26 EDT, CAN I TAKE A 25% LUMP SUM AND LEAVE THE REST OF MY PENSION I have just received a letter saying I can take the 25% lump sum but I would also have to take the remaining 75% with it. I didn’t want to do this as I am working on until retirement age. Steve THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY Tony Hetherington, Financial Mail on Sunday Columnist Archive for

MailOnline

TOWNS AND CITIES THAT PLAN TO BAN CARS OR INTRODUCE LOW Some 21 UK towns and cities either have plans in place for low emission zones or vehicle bans, or have already implemented restrictions on vehicle use BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without NEW CARS THAT ARE SUSCEPTIBLE TO KEYLESS THEFT NAMED BY Of the seven vehicles tested, the DS 3 Crossback, Mazda 3, Toyota RAV4 and Volvo S60 were given a 'poor' score due to their pregnable keyless

systems.

SCAM WARNING OVER POST OFFICE SHIPPING FEE SCAM New scam warning: Fake Post Office email asks people to pay 'shipping fees' to release non-existent deliveries. Scammers are sending fraudulent emails pretending to be the Post Office THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCE The AA and RSA Insurance Group have been named as the worst insurance providers for handling car and home insurance claims respectively, according to a new survey. HOW TO CLAIM COMPENSATION IF YOU WERE MIS-SOLD SOLAR Joan and David Rowe, from Upminster, Essex, fell victim to a door-to-door solar panel salesman who signed them up for a £14,000 loan claiming they would be better off. THIS IS MONEY: BE YOUR OWN FINANCIAL ADVISER Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

BEST PERFORMING FUNDS AND INVESTMENT TRUSTS SINCE THE Best performing funds in first quarter of 2021. Funds investing in commodities were some of the best performers, such as Schroder ISF Global Energy, which saw returns of 25 per cent in the first TONY HETHERINGTON, FINANCIAL MAIL ON SUNDAY Tony Hetherington, Financial Mail on Sunday Columnist Archive for

MailOnline

TOWNS AND CITIES THAT PLAN TO BAN CARS OR INTRODUCE LOW Some 21 UK towns and cities either have plans in place for low emission zones or vehicle bans, or have already implemented restrictions on vehicle use BEST ENERGY TARIFFS THAT DON'T REQUIRE A SMART METER Energy customers will increasingly find that to access the cheapest fixed tariffs, they need a smart meter fitted. To keep in line with the Government's - now extremely unfeasible - target of WHICH HYBRID CARS WILL BE BANNED FROM 2035? Drivers will still be able to purchase new hybrid cars until 2035 despite the 2030 ban on petrols and diesels, but only those that the government says can 'drive a significant distance without NEW CARS THAT ARE SUSCEPTIBLE TO KEYLESS THEFT NAMED BY Of the seven vehicles tested, the DS 3 Crossback, Mazda 3, Toyota RAV4 and Volvo S60 were given a 'poor' score due to their pregnable keyless

systems.

SCAM WARNING OVER POST OFFICE SHIPPING FEE SCAM New scam warning: Fake Post Office email asks people to pay 'shipping fees' to release non-existent deliveries. Scammers are sending fraudulent emails pretending to be the Post Office THE BEST AND WORST INSURERS FOR CAR AND HOME INSURANCE The AA and RSA Insurance Group have been named as the worst insurance providers for handling car and home insurance claims respectively, according to a new survey. HOW TO CLAIM COMPENSATION IF YOU WERE MIS-SOLD SOLAR Joan and David Rowe, from Upminster, Essex, fell victim to a door-to-door solar panel salesman who signed them up for a £14,000 loan claiming they would be better off. BUSINESS | THIS IS MONEY Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

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Your complete guide to personal finance and investing with news, predictions, advice, guides and opinion from the financial website of

the year.

WHAT WILL HAPPEN TO UK HOUSE PRICES IN 2021: SAVILLS House prices to see £10,000 average increase this year, says heavily revised forecast - and one region is predicted to SURGE 30% by 2025. Average UK property price set to grow by 4% in 2021, an BEST SAVINGS RATES: COMPARE BRANCH AND ONLINE SAVINGS Best savings rates: General savings - easy access online and branch. The web's best savings tables; Completely independent and unique;

Accounts with

THE £2.5M PRIZE DRAW DREAM HOME THAT COULD LEAVE ITS This £2.5m five-bedroom 'Georgian-style' house in 'the rolling Cotswolds countryside' is up for grabs in a prize draw. But the new build is prone to flooding that can leave it in several inches STEVE WEBB EXPLAINS THE PROS AND CONS OF PIE OFFERS Steve Webb replies: When you are a retired member of a final salary pension scheme, the law requires your scheme to increase your pension

each year to

WE HAVE BEEN RIPPED OFF BY EASYLIFE, TOO! MORE SHOPPERS Ros Webb used the Easylife catalogue to buy a £10 cushion for husband Cyril who has arthritis. But soon after saw she had been debited �69.95 for motor club membership. THE MOST RELIABLE USED SUVS MONEY CAN BUY IN 2019 The most reliable used SUVs: Owners say these are the 4x4s that are least likely to break down and leave you with huge repair bills. What Car? Reliability Survey reveals the SUVs you can rely on WHY DON'T I GET A FULL STATE PENSION WHEN I HAVE PAID 39 I have just looked up my state pension quote. It states I have �144.38 a week. Why, after 39 full years, don't I qualify for a full pension and is it worth paying for missed years? Steve Webb SHOULD I BUY EXTRA YEARS TOWARDS MY STATE PENSION? I ONLY Should I top up my state pension? I am 62 and only have seven years' National Insurance paid up so far. By Steve Webb for This Is Money. Published: 02:26 EDT,

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* Could your insurance leave you marooned? Britain has flooded again. But victims from FOUR months ago remain homeless * Holiday hell.com: Hideous hotels, bill disputes and no help on hand when things go wrong... how complaints over bargain booking sites

are flying in

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* Epstein scandal reignites Barclays war with Bramson: Jes Staley under pressure over links to convicted paedophile * RUTH SUNDERLAND: Coronavirus is a game-changer for globalisation, but no-one knows how it's going to unravel * Now Business Secretary is dragged into Sirius row amid fears ordinary shareholders will be shut out of vote * How fast should you spend your pension? Many are taking 8% of their pot each year, but experts recommend less than half that * Campaigners call for a fund to help people trapped living in unsafe buildings in wake of Grenfell tragedy * BEN WILKINSON: Freedom can be costly when it comes to pensions so always think long-term * How to immunise your portfolio against coronavirus: Focus on the long-term and don't withdraw your savings, say experts * Waiting on the taxman: Hundreds of thousands of people being forced to wait more than ten minutes to speak to HMRC * More choice for older borrowers looking for retirement interest-only mortgages * The Range Rover has been voted the MOST ICONIC car of all time - but do you agree with the top 100? * Revealed: Hundreds of thousands of landlords have sold up since George Osborne's controversial tax changes * Yorkshire Building Society axes monthly income fixed-rate bonds in blow to savers after a regular payout * Is this how James Bond would keep his Aston Martin safe? Halfords fights keyless car crime with its £60 world's first FINGERPRINT

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TESCO TO SLASH 1,800 JOBS IN OVERHAUL OF ITS BAKERIES AS BRITAIN BUYS LESS BREAD AND TURNS TO FLATBREADS, BAGELS AND WRAPS INSTEAD * TESCO SAYS THAT BRITISH SHOPPERS ARE BUYING FEWER LOAVES OF BREAD * IT WILL HALT SOME IN-STORE BAKING FROM SCRATCH AND BRING IN MORE

PRE-BAKED GOODS

* THE SUPERMARKET WILL PUT LESS LOAVES OF BREAD ON ITS SHELVES BUT

MORE LOCAL TREATS

* NEWS COMES ON SAME DAY THAT TESCO REVEALS IT IS LEAVING CHINA

By Camilla Canocchi

and Simon Lambert

For This Is Money

Published: 09:46 EST, 25 February 2020 | Updated: 10:17 EST, 25

February 2020

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Tesco has revealed 1,800 jobs could be cut in an overhaul of its bakeries as Britain buys less bread. The supermarket giant said that customers are buying fewer traditional loaves of bread and turning to wraps, bagels and flatbread instead, denting its traditional in-store bakeries. Tesco announced today that it will change its bakery space and range from May to meet changing demand - including less fresh bread baking from scratch in-store - and up to 1,816 workers could lose their jobs.

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Bakery off: Tesco has revealed that it will stop baking fresh bread in some stores and overhaul its range as customers buy fewer loaves of

bread

Jason Tarry, UK & ROI CEO of Tesco, said: ‘We need to adapt to changing customer demand and tastes for bakery products so that we continue to offer customers a market-leading bakery range in store. ‘We know this will be very difficult for colleagues who are impacted, and our priority is to support them through this process. We hope that many will choose to stay with us in alternative roles.’ Shoppers in Britain have been buying less bread in recent years as they switch to lower carbohydrate diets. Meanwhile, changing tastes mean others are choosing to shun the traditional white or wholemeal sliced loaf and opt for sourdough and artisan breads, or flatbreads, wraps and bagels.

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Tesco said that the impact of this was significant enough to need to revamp its traditional shop bakeries. Tesco will put less traditional loaves of bread on its shelves and dedicate more space to more popular baked goods, including bigger regional bakery ranges in partnership with small local suppliers. It will continue to bake from scratch in 257 Tesco stores, but in 201 other stores only the most popular products will be baked fresh with other items part-baked.

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With more bagels, wraps and flatbreads being sold, less Tesco stores will have baking from scratch A further 58 stores will switch to ‘full bake-off’, where all bakery products are delivered pre-prepared and then baked and finished

in-store.

In a statement, the supermarket said: 'Due to some stores doing less scratch baking, as well as the simplified routines these changes will bring, we will unfortunately need fewer colleagues to work in these

areas.

'As a result, there are 1,816 bakery colleagues being put at risk of

redundancy.

'At this difficult time, our priority will be to support those colleagues impacted, including finding an alternative role from the many thousands of vacancies we will have available across our store networks between now and May, for those who wish to stay with us.' The news emerged on the same day that Tesco waved goodbye to its China business as it offloaded its remaining stake to its joint venture partner for £275million. The UK's biggest supermarket, which has been diminishing its presence in Asia, has struggled to crack the Chinese market. Today it said it has agreed to sell its 20 per cent stake in the Gain Land joint venture to a unit of its state-run partner China Resources

Holdings.

'The disposal allows Tesco to further simplify and focus the business on its core operations,' it said in a short statement.

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Tesco will put less traditional loaves of bread on its shelves and dedicate more space to more popular baked goods Tesco combined its 131 stores Chinese stores with partner CRH's almost 3,000 sites in 2014. The exit from China follows that from South Korea in 2015, when it sold the business for £4billion to help shore up the balance sheet following an accounting scandal. In December last year, it said it was considering to sell its Thai and Malaysian businesses after an approach by an unnamed buyer, although those businesses still remain unsold. Now that the supermarket has exited China too, a possible exit from Thailand and Malaysia would reduce Tesco's non-UK operations to central Europe and Ireland. Tesco has 1,967 stores in Thailand and 74 stores in Malaysia and has been operating in Asia for over 20 years. The disposal of sites in Asia comes as chief executive Dave Lewis winds down his tenure at the retail firm, before new chief Ken Murphy takes over in the summer. Tesco shares were down 1.6 per cent at 245.3p in afternoon trading TOP DIY INVESTING PLATFORMS

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