Act now to avoid the energy price hike



Don’twaituntilthelastmomenttobuytravelinsurance,saysKaraGammellinTheSundayTelegraph。

Manyofusleaveituntiltwoweeksorlessbeforedeparturetogetapolicy。

Thatcouldleaveyouuncovered,giventhathalfofcancellationclaimsariseearlierthanthat,accordingtoinsurerLV=。

However,doshoparoundandreadthesmallprint。

Ifyoutravelregularly,anannualpolicywillworkoutcheaperthanbuyingseparateonesforeverytrip。

Checkanyrelevanttermsbeforebuying–somepre-existinghealthconditionsmaybeexcluded,forexample。

Cancellingbecauseyoufallillmaybecovered,butcancellingbecausearelativegetsillmaynotbe。



Mortgagearrangementfeesareatanall-timehigh,accordingtofinancialcomparisonwebsiteMoneyfacts。

co。

uk。

Fouryearsagotheaveragefeewas£889,whereasnowit’s£1,514–ariseofmorethan70%。

Thismakesitevenharderfortheaveragenewbuyertoraiseadeposit,which,givenbanks’apparentreluctancetotakeonmorepropertyexposure,isperhapsdeliberate。

Whiletherearesomelow-feemortgagedealsaround,suchasthePostOfficetwo-year3。

65%fix,you’llneedtohaveaminimum25%depositavailabletoqualifyformanyofthem。

Thefewno-feedealsaroundforthosewhohavesmallerdeposits–offeredbythelikesofHSBC–willonlybegiventocarefullyselectedborrowers,soyou’llneedtohaveanabsolutelyspotlesscreditrecord。



Wantyourchildtoattendatop-performingstateschoolbutnotalreadylivingintherightcatchmentarea?

Thenbepreparedtopayanaverageof£33,631morefortherighthouse,saysEmmaGunnonMoneyobserver。

co。

uk。

Buyingnearanyofthecountry’stop30beststateschoolsadds12%tothepricetag;buyingclosetothetopsixadds£100,000,accordingtoLloydsTSB。

It’snotquiteasexpensiveasattendingtheaveragefee-payingschool,butit’snotfaroffit。



Doyouemployagardener,nannyortutorforyourchildren?

Thenwatchout,saysMarkAthertoninTheTimes。

Underthegovernment’snewauto-enrolmentscheme,anyemployeepaid£155perweekormore,ortakenonattheminimumwagefor25hoursaweekormore,mustbeofferedapensionbyhisorheremployer。

ThefirststageoftheschemestartsthisOctoberforlargefirms,butthenetwillgraduallybecastwiderbetweenthenand2015。