s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=

How to avoid scams, and what to do if you're a victim
Plus: a small pay rise can mean your tax rate jumps to more than 100pc

Wednesday, November 14, 2018

Telegraph Money 

The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips.

The Telegraph take

By Sophie Christie personal finance reporter

Banks want consumers to foot the bill for paying back fraud victims – but we want to stop them. The long-awaited code spelling out how those who fall for bank transfer scams should get their money back was released recently, and we think it falls short.

Telegraph Money is calling for five improvements, which you can read here. Telegraph readers have also had their say, giving suggestions on how they think the system could be fixed. We've combined your comments with our demands and will be submitting them to the consultation before it closes tomorrow.

It just so happens that Telegraph Money's third podcast, hosted by reporters Laura Miller and Sam Brodbeck, focused on the topic of scams.

The episode explains how to spot today's most insidious scams – and how to fight back if, and when, the worst does happen.

 

Top stories

House of cards

Taxman cashes in on 261m of 'gifts gone wrong': why gifting your home can backfire

Kids at nursery

How a small pay rise can mean your tax rate jumps to more than 100pc
A packed beach

Subsidence claims to reach 25-year high after record heatwave – is your house at risk?
 

Moral Money

A car driving down a bus lane

'Should my friend contribute to my driving fine?'

 

Savings and banking

•

Use this trick to beat 600m NS&I cuts
•

Lifetime Isas: how do they work and who offers them?
 

Investing

Santa reading the Financial Times

Ride the ‘Santa Rally’ with these two risky short-term portfolios for turbocharged returns
 
Regent's Street with British flags

Brexit fears spark flight to tracker funds, but are investors missing a trick?
 
Former US president Lyndon Johnson

Where the fund managers who made money during the crash are investing now
 
 

Pensions

•

Why DIY investors will pay the price for pension protections
•

Final salary pension transfers stall as High Court throws rules into doubt
•

How much you need to save for a comfortable pension where you live
 

How to pay for your degree as a mature student

 

Its never too late to get a degree. There are a number of ways retirees can fund further education

 

Sponsored

Questor share tips

Brunel Building in Paddington

A lot of bad news is priced into these shares, so they’re a good bet for the patient

Pills scattered on a table

A resilient trust with a 6.7pc yield? Buy now while the premium is minimal

An Amazon warehouse

Buy ‘hugely misunderstood’ Amazon for the rapid growth in its high-margin ventures

Someone doing maintenance on an airplane

One of our Aim stocks has lost 50pc of its value. Here is why we are holding on to it

 

Ask Jessica

•

'Why is Waitrose demanding I pay back the 864 I earned doing shifts?'
•

'Why is Capita taking so long to pay the spouse's pension I am due?'
•

'How can I track down my husband's lost pension?'
 

You have the last word...

Elizabeth Kirkby said about better access to cashpoints: "A welcome and extremely rare outbreak of common sense! We need increased access to these cash machines at a time when bank branches are disappearing from our cities and towns so quickly."

Raymond Ilett said about the Government's fresh crackdown on “rogue” landlords: "What about a crackdown on rogue tenants? It appears that society thinks it's only landlords that can do anything wrong?"

Philip Sapce said about a new report with radical ideas on reforming tax: "The simple truth is that taxation in Britain is simply out of control. Everything is taxed into oblivion, non stop tax, tax and then more tax. Taxed at sourced, then taxed again on everything we buy, save and spend. The government looks upon the taxpayer like a magic money tree at the bottom of the garden to be shaken a bit harder every time they get their sums wrong."

 
Insert a clear and simple description of the image
 

Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'.

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