http://www.ft.com/yourmoneyhttp://www.ft.com/rss/yourmoneyFT.com - Your moneyen© Copyright The Financial Times Ltd 2008. "FT" and "Financial Times" are trademarks of the Financial Times.support@ft.comFri, 9 May 2008 19:13 BSTThu, 15 May 2008 08:09:52 BSTNewspapers60http://news.ft.com/cms/d1f3ce1a-6bbe-11da-bb53-0000779e2340.gifhttp://www.ft.com/yourmoney(PICS-1.1 "http://www.classify.org/safesurf/" L gen true for "http://www.ft.com/" r (SS~~000 1))http://www.ft.com/cms/s/0/b9fb372a-1dec-11dd-983a-000077b07658.htmlhttp://www.ft.com/cms/s/0/b9fb372a-1dec-11dd-983a-000077b07658.htmlBanks and credit card companies are shying away from riskier customers by lifting rates and lowering credit limits – adding to borrowers' woes after the Bank of England decided not to cut the base rate this week. Fri, 9 May 2008 18:56 BSThttp://www.ft.com/cms/s/0/53b6ad42-1deb-11dd-983a-000077b07658.htmlhttp://www.ft.com/cms/s/0/53b6ad42-1deb-11dd-983a-000077b07658.htmlBanks and building societies are continuing to introduce measures to prevent customers from taking out standard variable rate (SVR) mortgages.Fri, 9 May 2008 18:32 BSThttp://www.ft.com/cms/s/0/9e7f1316-1dee-11dd-983a-000077b07658.htmlhttp://www.ft.com/cms/s/0/9e7f1316-1dee-11dd-983a-000077b07658.htmlWith 40,000 jobs being cut in the City, employees are being advised to scrutinise their contracts, and negotiate the best package possibleFri, 9 May 2008 19:13 BSThttp://www.ft.com/cms/s/0/662aa7d0-1deb-11dd-983a-000077b07658.htmlhttp://www.ft.com/cms/s/0/662aa7d0-1deb-11dd-983a-000077b07658.htmlInvestors appear to be regaining their appetites and buying equities again, believing that the darkest days of the market downturn are over.Fri, 9 May 2008 19:00 BSThttp://www.ft.com/cms/s/0/7369d6a8-1ded-11dd-983a-000077b07658.htmlhttp://www.ft.com/cms/s/0/7369d6a8-1ded-11dd-983a-000077b07658.htmlThere has debate over the future of discretionary will trusts, now that inheritance tax allowances can be transferred between married couples and civil partners. But some advisers say they still have their usesFri, 9 May 2008 18:49 BSThttp://www.ft.com/cms/s/0/30f464a4-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/30f464a4-186c-11dd-8c92-0000779fd2ac.htmlWith fixed-rate savings rates having broken through the 7 per cent watershed again, savers can also lock in to higher returns that will protect against further interest-rate cuts. Fri, 2 May 2008 19:08 BSThttp://www.ft.com/cms/s/0/42e0980e-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/42e0980e-186c-11dd-8c92-0000779fd2ac.htmlHBOS's 2.1m private investors are being advised to think carefully before participating in the £4bn rights issue Fri, 2 May 2008 19:08 BSThttp://www.ft.com/cms/s/0/3e4da50c-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/3e4da50c-186c-11dd-8c92-0000779fd2ac.htmlSo-called '130/30' funds attracted a substantial amount of investment – but have failed to live up to the hype Fri, 2 May 2008 19:08 BSThttp://www.ft.com/cms/s/0/3aa7a9ca-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/3aa7a9ca-186c-11dd-8c92-0000779fd2ac.htmlTwo new foreign exchange (FX) trading services have been launched this week, in response to rising demand from private investorsFri, 2 May 2008 19:18 BSThttp://www.ft.com/cms/s/0/25bcd562-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/25bcd562-186c-11dd-8c92-0000779fd2ac.htmlThe era of going to your bank manager for advice on your finances could end soon if new proposals separating advice from sales are approvedFri, 2 May 2008 18:29 BSThttp://www.ft.com/cms/s/0/6002e518-186c-11dd-8c92-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/6002e518-186c-11dd-8c92-0000779fd2ac.htmlBritain's most successful investor says you have to retest your reasons for buying a share, on a regular basisFri, 2 May 2008 19:08 BSThttp://www.ft.com/cms/s/0/c03a41ba-12ea-11dd-8d91-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/c03a41ba-12ea-11dd-8d91-0000779fd2ac.htmlMortgage rates are expected to rise again in coming weeks, in spite of the Bank of England's unprecedented intervention to ease liquidity in the banking system.Fri, 25 Apr 2008 18:16 BSThttp://www.ft.com/cms/s/0/cdcbf720-12e4-11dd-8d91-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/cdcbf720-12e4-11dd-8d91-0000779fd2ac.htmlThe Bank of England's swap of mortgage assets for gilts has been hailed as good news for homeowners – but investors in government bonds are less enthusiastic Fri, 25 Apr 2008 18:01 BSThttp://www.ft.com/cms/s/0/bf065c1c-12e4-11dd-8d91-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/bf065c1c-12e4-11dd-8d91-0000779fd2ac.htmlRents in some areas could fall this year as agents are seeing a flood of available properties, a drop in corporate lettings, and an unwillingness from tenants to lock into new, more expensive, rental agreements.Fri, 25 Apr 2008 18:16 BSThttp://www.ft.com/cms/s/0/dfa93732-12e4-11dd-8d91-0000779fd2ac.htmlhttp://www.ft.com/cms/s/0/dfa93732-12e4-11dd-8d91-0000779fd2ac.htmlThe week before the end of the tax year saw a huge influx in transfers of commercial property into Sipps as investors sought to take advantage of existing taper relief before it was scrapped on April 6Fri, 25 Apr 2008 18:08 BST