Last updated: 10:33 BST, 18 September 2019
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Cheapest iPhone 11, 11 Pro and 11 Pro Max: Best iPhone 11 deals and where to find them

Those who want to get their hands on the models don't have to wait long as all of the devices are now available to pre-order and will be on general sale from Friday 20 September. We've rounded up the best of the new deals with help from Broadband Choices and uSwitch, and reveal where to find the best value for each of the new phones.

Exclusive figures reveal that the number of 55 to 59-year-olds taking cash out of their homes is this year set to be three times that recorded a decade ago.

ASK TONY: We lost £10,000 when insurer refused to cover our cancelled Caribbean cruise

My wife and I were due to go on a 35-day Caribbean cruise last February. Prior to departure, my mother-in-law got swine flu and was hospitalised. My wife felt she could not leave the country, so we cancelled the trip. We had insurance with Staysure, but trying to claim some of the cost is proving nigh on impossible. We stand to lose £10,656 for the cruise, plus £65 obtaining medical certificates.

The Government believes smart meters will help households reduce their energy consumption, lowering their bills and carbon emissions. It is also part of a plan to make the market more efficient.

The internet speeds are so slow that modern services cannot be used by families, such as streaming music, downloading films or watching videos on Netflix.

Average card rates have surged since the financial crisis, climbing from 16 per cent in 2006. But at the same time, typical savings rates dropped sharply to all-time lows and barely recovered since.

For current account rewards and interest conditions may apply eg. using provider's full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs. Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).





FTSE LIVE: Kingfisher profits hammered; Government to probe Cobham deal

Kingfisher - the FTSE-listed conglomerate behind B&Q and Screwfix - said today that its performance in the UK and France was 'disappointing' in the first half of the year as its transformation efforts led to yet more sales disruption. Business Secretary Andrea Leadsom has called on the competition watchdog to intervene and assess the security implications of Cobham's sale to US private equity firm Advent International, which was approved by shareholders on Monday but faces bitter opposition.

NEW US group Advent International made the offer to snap up Cobham in July and shareholders approved the deal last month.

Sirius Minerals' stock crashed by as much as 79 per cent after it was forced to abandon a £403m fundraising. Pictured is the mining firm's founder and chief executive Chris Fraser.

Ocado has found British suppliers for some fresh products to help prevent shortages but said all food retailers would struggle to obtain fresh goods from the continent if there is a No Deal Brexit.

NEW Profits in the first half of the year tumbled 12.5 per cent to £245million as the firm ploughed ahead with a radical five-year transformation plan - One Kingfisher.

Concerns that the world's biggest crude processing facility at Abqaiq and Saudi's second-largest oil field Khurais could be crippled for weeks or even months caused panic on the markets.

What does the smart meter deadline delay mean for you?

Energy suppliers have been given an additional four years to meet their smart meter installation targets. Smart meters ensure accurate and up-to-date billing, giving households the ability to quickly check up on what they owe, but their rollout has been criticised and there are concerns over old meters that cannot switch supplier. We explain why deadline has been pushed back and what it means for households.

In an embarrassing climbdown, ministers admitted that suppliers will now have until 2024 to install the devices in homes. But industry figures said the new deadline is 'still miles off'.

The Government has finally recognised what we have been saying for years: its 2020 smart meter deadline is utterly unrealistic. It's a shame they didn't take their heads out of the sand earlier.

Critics slam 'absurd' Government stance on backdating state pension credits

Gaynor Seymour, pictured with husband Andrew, lost state pension credits over an innocent paperwork error - but she can prove she looked after their daughter during the disputed period, she insists. The Government claims it's too hard to verify evidence for child benefit claims older than three months, as entitlement relies on being responsible for a child each week, and so credits are never backdated further than that. This stance is dubbed 'ludicrous' and 'a nonsense' by critics, who believe in the majority of cases it will be obvious parents were in charge of their children at the times in question.

Data from Moneyfacts found 44 per cent of fixed-rate bond providers removed products from sale or cut rates in August, up from just 23 per cent in June.

Data from Moneyfacts found that in September the average credit card purchase APR rose to 24.7 per cent, an all-time high since its records began in June 2006.

Flight delay compensation firms still grab a cut of any cash YOU get even if they fail

After enduring a 12-hour flight delay returning from his daughter's wedding in Corsica, Bob Feltham (pictured with wife Caroline) was eager to claim the £1,335 compensation his family was owed. Under EU rules, travellers who are delayed by more than three hours can claim between €250 (around £231) and €600 (around £531) in compensation, providing the reason for the hold-up is within the airline's control.

Couple to host New Year's party after buying £4m flat overlooking Thames and London Eye 

The new homeowners will be able to enjoy one of the best views of the London fireworks held annually on New Year's Eve - and all from the comfort and warmth of their own home, behind triple-glazed sliding floor to ceiling glass doors on their private balcony.

Homes in Blackburn, Oxford and St Helens take the longest, spending more than two months more time on the market than accurately priced ones in the same location, according to Zoopla.

Data released today by banking trade body UK Finance has revealed that there were 32,640 new first-time buyer mortgages completed in July, some 5.8 per cent more than in the same month last year.

McLaren's GT is a 203mph supercar you can take to the golf club

McLaren bosses stress that this is the their first true venture into the 'Grand Tourer' market and that the new near 4.7m long GT is therefore arguably their most useable and engaging car to date for everyday use while still boasting a super-lightweight body, competition levels of performance, and 'Continent-crossing capability.'

Studies in America have found that a combined use of dash cams and 'accelerometers' reduces bad driving if young novices know the information will be shared with their mum and dad.

More than two thirds (69 per cent) of people expect electric cars to be simply known as 'cars' by 2030, a new survey by Government-backed campaign group, Go Ultra Low.

Sirius Minerals shares crash after it fails to secure funding for mine

The company scrapped a £400m bond sale and said the UK government refused to back the project. It warned last month that, without the fundraising, it could run out of cash by the end of September and be forced to the brink of administration.

The iPhone maker has appealed against an order to pay £11.5billion in tax, plus interest, that European competition chiefs claim it avoided from 2003 to 2014.

The American firm is now expected to list in New York by the end of the year. Its late decision came amid fears investors would not take part in the initial public offering.

Ocado Retail - the division formed as part of a new £750million joint venture with M&S - said weekly orders rose by more than 12 per cent during the period, thanks in part to increased delivery slots.

The company, which put itself up for sale nearly a year ago, said today that talks with a number of interested parties were 'ongoing' as it extended the process until January.

WeWork delays its $20BN New York stock market float

It comes as there have been mounting concerns the company is overvalued, as well as over its governance structure and the sustainability of its business model. However, parent We Company - which had originally valued WeWork at a whopping $47bn - said it expected to go ahead with the IPO towards the end of the year.

Government can wade in to potential takeovers if they threaten the national interest. Hong Kong Exchanges and Clearing, which wants the LSE, is 6 per cent-owned by the Hong Kong government.

The £32billion tilt at the London Stock Exchange by Hong Kong Exchanges and Clearing is not without merit. It has its attractions at a time when there is a drought of sizeable new issues in the City.

The best public electric car chargers, according to UK drivers

Some 1,600 plug-in car users were asked to give a satisfaction score out of 100 for the 26 network operators currently available across the country. Tesla came out on top for its Supercharger network (top left), though this is only available to owners of the American firm's relatively expensive vehicles. Find out how other providers rated, including Polar BP Chargemaster (top right), PodPoint (bottom right) and InstaVolt (bottom left).

The Government confirmed last week that it will invest a total of £400m to help bolster the public charging network, with some of this funding the installation of 3,000 rapid chargers over five years.

The controversial rule, which was first introduced in March 2013, has meant that all Britons crossing the Channel in their vehicles have legally been obliged to have one of the breathalysers with them.

Energy saving myths and what you can do to cut your bills

We've all heard plenty of myths about what we can do to cut down on our bills - but which of the claims can really save energy? One of the biggest culprits of energy waste relates to energy vampires, when electrical appliances are plugged in but not used, according to data from energy supplier, Tonik Energy.

The scheme has been so shambolic that only half of homes will have a smart meter by the original 2020 deadline and the estimated cost has soared by £2.5billion to £13.5billion.

The price of crude oil could climb to $75 in the next six weeks, which would result in price hikes of 7.5p per litre ($34 per gallon) for drivers, after drone strikes on Saudi oil facilities on Saturday.

Property asking prices fall in September for the first time since 2010, says Rightmove

Despite September usually marking the start of the autumn bounce in housing market activity, the average newly-listed property asking price has dipped by 0.2 per cent this month. But Miles Shipside, Rightmove director and housing market analyst, said: 'Those who are planning to buy or trade up and can keep their nerve whilst others hesitate may find that they are in a stronger negotiating position to get a favourable deal.'

We are thinking of moving to make sure we live within the catchment area of a great secondary school, but realise lots of other parents are probably having the same idea and that makes it expensive.

Applicants will no longer have to supply as much earnings evidence when applying for a mortgage - something the bank says has previously hindered their chances of getting on the housing ladder.

Should I join the NHS pension scheme?

I am just gone 60 and I have worked for the NHS for six years. I didn't join the pension scheme as I was only part-time. I will continue to work as long as I can. Would it be worth me joining the scheme now that I am full time? This is Money's pensions agony uncle Steve Webb, pictured right, explains why the NHS pension scheme is a valuable one that's worth joining.



We won £60k for our Great British Porridge by pitching to Dragons with dancing bears

As their Dragons' Den pitch approached the founders of the Great British Porridge Co. rehearsed their financials carefully - and their dancing bears. Jacqueline Barleycorn and Matt Hunt's pitch, pictured, turned out to not blow too hot, or too cold, but proved just right, with each dragon offering to invest and Tej Lalvani backing them to the tune of £60,000.

Housing secretary Robert Jenrick has announced proposals to tweak the system so that homeowners can buy extra shares in their property in increments of just 1%

Families are risking their loved ones losing their inheritance due to mistaken beliefs about wills, according to the study by Remember a Charity.

How to stop YOUR pension savings from becoming an annuity horror show

Retirement is supposed to be a happy time, whether you are looking forward to filling it with a pipe-and-slippers or travel-the-world lifestyle. But in recent years it has become more complex and stressful to ensure you choose the right way of financing it and for those on the cusp of retiring in 2019 it has got a lot, lot worse - a horror story, in the words of one expert. Those desiring certainty of income in their twilight years by using their pension savings to purchase an annuity - an insurance plan that guarantees a fixed income for life - have seen rates plummet to 25-year lows. And once purchased, these contracts cannot be undone.

The more people own cats and dogs, the more they spend on looking after them, to the benefit of Dechra Pharmaceuticals, which makes and sells drugs for pets and other animals.

Filta specialises in fat, oil and grease management for commercial kitchens. The shares are £1.56 and should increase in value, as the company is growing fast.

TONY HETHERINGTON: Raise a glass! Your £27k is safe from dodgy wine firm

Tony Hetherington is Financial Mail on Sunday's ace investigator, fighting readers' corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. This week, a reader writes: 'I am trying to retrieve £27,000 which I invested in wine with a company called BWC in January. I have not received my wine, and I am being given the runaround. I want my investment returned as it is in breach of contract.'

DONT be a money mule and let crooks use your bank account to launder cash 

More than 150 people a week are being lured into a 'money mule' scam epidemic that leaves them facing prison and unable to use a bank account for up to six years. Students and middle-aged workers in need of cash are among the most sought-after targets for crooks, who dupe them into accepting deposits into their bank accounts and then instruct them to forward the cash to another account as a way of laundering 'dirty' money. The 'mules' are typically given small cash sums in exchange for doing this. They are recruited in person on university campus or via dodgy job adverts online claiming that good money can be made for a little easy work from home. 

The result is also a triumph for The Mail on Sunday, which has campaigned long and hard for an end to the scourge of customers being charged to receive nuisance texts.

Economists think the Bank will put off rate rises due to economic weakness in Europe and the risk of a disruptive Brexit.

Is carbon credit offsetting a waste of money or a way to save the planet?

The idea of buying 'carbon credits' to save the planet is becoming highly fashionable. Just ask the Duchess of Sussex, who apparently purchased some to offset her flight across the Atlantic on her mission to watch Serena Williams in the US Open tennis earlier this month. But critics say unless you are careful, you could be wasting your money.

1970s series The Professionals is still great TV - and reminds Sally Hamilton of her youth, when she failed to save. Like her, the nation is facing a huge challenge over pension provisions.

The idea of buying carbon credits as an investment for a future where they have become the norm and are traded regularly may sound exciting - but for most people they should be avoided.

Fashion is bang on trend for profits, say investment experts

Whether you have a reserved seat on the front row, or are convinced that only the devil wears Prada, you can profit from the brands strutting down the catwalk at London Fashion Week this week. Fashion retailers from the mid-range and cheaper end of the market have struggled in recent months, with profit warnings from Asos and Ted Baker illustrating just how hard it is to please the public. But investment experts believe buying shares in high-end designers and mid-range brands with smart strategies will keep your investments from falling out of fashion.

A fund that invests in European companies - but excludes those listed in the UK - has some resonance in the current political climate, especially as the 'B word' has frightened off serious numbers of investors from touching the British stock market in recent months.

We round up the Sunday newspaper share tips. This week, Midas looks at fryer cleaner firm Filta, the Sunday Times assesses Arrow Global, and the Sunday Telegraph analyses Inchcape.

I DIDN'T buy A Place in the Sun - I was hooked on clothes, says Sara Damergi

A Place In The Sun presenter Sara Damergi doesn't trust pension schemes and thinks investing in property is by far the best way to save for retirement. Damergi, the daughter of a wealthy property developer, owns two properties in London but regrets not getting on the housing ladder in her 20s. Instead, she spent a 'ridiculous' amount of money on clothes and having a good time. Now 40, the TV presenter lives in South-West London with her partner Kent, 38, and their one-year-old son, Oliver.

How much money do I need to save for my pension?

The amount you can save into a pension ultimately depends on what you can afford - but the longer you leave it the more you will need to save. We tend to put ambitious targets on our hoped-for income in retirement and then underestimate how much we will need to set aside to achieve that. So how much should you save?

Best stocks & shares Isas: Pick the best DIY investment platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.

Rightly or wrongly, some people simply want a quick, straightforward route map to investing in an Isa. To that end, this is our distilled guide to getting started.

Best mortgage rates: Compare fixed rate and tracker rate mortgage deals

Mortgage rates may be cheap but Brexit uncertainty is back, and data indicates that it's having an effect on the deasl borrowers are going for. More ten-year fixed rate deals are coming to the market in response to demand.

Ten tips for buy-to-let: Essential advice for property investment

Buy-to-let is much tougher than it once was. But for many Britons the idea of investing in property still appeals, as they trust bricks and mortar and may feel that they can add value to a property. Read our top ten buy-to-let tips

Premium Bonds Winners

Prize Area Value of bond
£1,000,000 Surrey £9,636
£1,000,000 Hertfordshire £6,000
£100,000 Hampshire and Isle of Wight £13,000
£100,000 Hereford and Worcester £5,000
£100,000 Greater Manchester £29,975
£100,000 West Midlands £2,950
£100,000 Wales £30,000
£100,000 Cambridgeshire £5,000
More September 2019 winners
View list of September 2019 winners


Tourist rates

Currency Rate Buy now
Updated 18 Sep 2019.
Euro 1.104 Buy Now
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