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	Item Description	Price	Time Left
	RUSSIA. USSR. 1964. 20th Anniversary of Liberation of Ukraine.Soldier.Flags.	0.01	2 hours 17 minutes 43 seconds
	SHARK Mens Digital Analog LED Sport Date Day Wrist Watch + Gift Box	0.01	3 hours 13 minutes 6 seconds
	Tom Clancy 'The Bear And The Dragon Vol.2' Large Print Paperback	0.01	3 hours 21 minutes 26 seconds
	IPHONE 4 BUMPER CASES AND TOUCH PEN	0.01	3 hours 21 minutes 30 seconds
	Hand and Foot Warmers	0.01	4 hours 15 minutes 30 seconds
	3x HTC ONE S SCREEN PROTECTOR Ultra Clear and High Quality Japanese PET Material	0.01	4 hours 17 minutes 46 seconds
	Pink And White Girls Jack & Lily Shoes Size Large (uk5-6)	0.01	5 hours 14 minutes 19 seconds
	LADIES ANKLE BOOTS VERY WELL MADE DARK BROWN SIZE 3 GREAT DESIGN B40034 £0.01p	0.01	5 hours 14 minutes 38 seconds
	Anthony Trollope. Complete 5 volume set of short stories. Looks great !	0.01	5 hours 35 minutes 58 seconds
	Nano WIPER for winscreen and lights	0.01	5 hours 47 minutes 36 seconds
	SILVER WEDDING INVITATION PEEL OFF NEW AND SEALED	0.01
	GOLD WEDDING INVITATION PEEL OFF NEW AND SEALED	0.01	6 hours 26 minutes 17 seconds
	**GREG PAULSON COURIERS, SAMEDAY DELIVERY AND COURIER SERVICE**	0.01	6 hours 39 minutes 21 seconds
	SOFT PARADE WHEN VIOLETS MEET SALE!! 4 TRACK CD RARE 90s INDIE ANXIOUS	0.01	6 hours 46 minutes 53 seconds
	MCDONALDS MASCOTATHON YELLOW *NEW AND SEALED*	0.01	6 hours 57 minutes 2 seconds
	GUITARIST AC/DC ARLEN ROTH AZTEC CAMERA LOOSE TUBES MAMMOTH AND MUCH MORE!!!	0.01	6 hours 57 minutes 21 seconds
	New KS Skeleton Analog Golden Dial Mens Automatic Mechanical Steel Watch + BOX	0.01	7 hours 2 minutes 26 seconds
	free $5 off any vitamins, herbs or skincare products you buy	0.01	7 hours 12 minutes 16 seconds
	Moct 1/ Lehrbuch: Russisch für Anfänger mit 2 Audio-CDs	0.01	7 hours 14 minutes 15 seconds
	3 PIECE SUITE - 3 Seater Sofa and 2 Armchairs	0.01	7 hours 15 minutes 12 seconds
	FOSTERS POTTERY **** CUP AND SAUCER ******* LOOOOK!!! ****	0.01	7 hours 21 minutes 6 seconds
	UFC 97 OFFICIAL MINI POSTER ICEMAN LIDDELL / SHOGUN / ANDERSON SILVA	0.01	7 hours 30 minutes 38 seconds
	Antistatic keyboard brush for computer PC, laptop	0.01	7 hours 38 minutes 1 second
	Spider-Man / Charlie's Angels / Vertical Limit (DVD 2004)	0.01	7 hours 38 minutes 57 seconds
	Hair Bands x 2 packs new and unused 16 bands in total	0.01	7 hours 48 minutes 56 seconds
	16g eyebrow bar purple new and sealed stainless steel and uv 12mm long	0.01	8 hours 17 minutes 18 seconds
	Car plug in Air ioniser and purifier with cleanable charcoal filter- 12v	0.01	8 hours 19 minutes 9 seconds
	Weight Training Gloves - White Padded Leather and Net Backing -Size Medium/Small	0.01	8 hours 21 minutes 48 seconds
	Telephone Extension Reel - 10 Meters - For Telephone and Modem	0.01	8 hours 25 minutes 14 seconds
	THUNDERBIRDS FAB Cross-Sections and SUPERMARIONATION Cross-Sections	0.01	8 hours 28 minutes 35 seconds
	Toy Story Child's Alarm Clock and Wrist Watch - Blue - Buzz Lightyear Printed	0.01	8 hours 33 minutes 19 seconds
	Giffgaff Sim Card - £5 FREE CREDIT Unlimited Internet and Texts	0.01	8 hours 34 minutes 44 seconds
	Warner Brothers ANIMATION ART ~ The Characters The Creators The Limited Editions	0.01	8 hours 37 minutes 42 seconds
	Gorgeous black belt to add a bit of bling to any outfit!	0.01	8 hours 38 minutes 50 seconds
	Antique Toby Style Jug	0.01	8 hours 41 minutes 14 seconds
	Fiji -- 1978, SG553, 15 cent - 50th Anniv: of Trans-Pacific Flight, used LH	0.01
	KS 6 Hands Black Analog Automatic Mechanical Golden Mens Steel Watch + Gift Box	0.01	9 hours 8 minutes 26 seconds
	Kitsch plastic ANCHOR necklace EMO NAUTICAL RED sailor	0.01	9 hours 14 minutes 40 seconds
	WIN AND EARN / MAKE MONEY £'s	0.01	9 hours 34 minutes 14 seconds
	Red and black ACDC badge - rock metal	0.01	9 hours 34 minutes 46 seconds
	2 GANG BLANKING PLATE 5MM ANTIQUE BRASS DSL643 *CLEARANCE SALE*	0.01	9 hours 41 minutes 32 seconds
	Hedwig And The Angry Inch (DVD 2002) - 1p Start - PDSA CHARITY AUCTION	0.01	9 hours 42 minutes 31 seconds
	Beauty And The Beast (DVD)	0.01	9 hours 44 minutes 18 seconds
	Peppa Pig House with Peppa George Mummy and daddy pig	0.01	9 hours 45 minutes 22 seconds
	Gods And Monsters (DVD 2000) - 1p Start - PDSA CHARITY AUCTION - ACADEMY AWARDED	0.01	9 hours 46 minutes 29 seconds
	5$ off voucher coupon on Miracle Noodles and many more - iHerb	0.01	9 hours 48 minutes 46 seconds
	KS Moon Phase 24 Hours Analog Black Automatic Mechanical Mens Steel Watch + BOX	0.01	9 hours 50 minutes 25 seconds
	How to get Friends Request and Likes on Facebook	0.01	9 hours 52 minutes 17 seconds
	2 Tier Glass and Chrome Dining Table by Bruno Steinhoff of Harveys	0.01	9 hours 57 minutes 28 seconds
	very old book..."gas and oil engines simply explained". original pre WW1 book !!	0.01	9 hours 57 minutes 39 seconds
	Amigos para Siempre Jose Carreras Sarah Brightman Andrew Lloyd Webber CD Single	0.01	10 hours 2 minutes 55 seconds
	BREAKING 2001 ford mondeo 2.0 petrol zetec estate blue 5 DOOR SPARES REPAIR	0.01	7 hours 21 minutes 43 seconds
	AGA Rayburn Stanley Esse Redfyre Movers Couriers Full UK Coverage	0.01	8 hours 9 minutes 18 seconds
	ford escort mk 4 xr3i back bumper	0.01	9 hours 17 minutes 33 seconds
	HOTWHEELS CADILLAC ESCALADE No 052 DIE-CAST COLLECTORS CAR STILL IN BOX	0.01	9 hours 22 minutes 37 seconds
	Brand new Esselte Stapler	0.01	10 hours 14 minutes 12 seconds
	Curtains and Roman Blind Makers - Free Quotes/Estimates.	0.01	10 hours 37 minutes 25 seconds
	Robbie Williams Escapology Cd Album	0.01	11 hours 5 minutes 12 seconds
	LP DAVID ESSEX	0.01	11 hours 8 minutes 2 seconds
	Three Piece Suite, Footstool and 5 Cushions made by Essex Furniture Chelmsford	0.01	11 hours 24 minutes 12 seconds
	ESTEE LAUDER PURPLE MAKEUP BAG	0.01	13 hours 56 minutes 27 seconds
	Essential Company Law by Nicholas Bourne	0.01	14 hours 1 minute 35 seconds
	John G Jones AMITYVILLE THE EVIL ESCAPES pb ed	0.01	14 hours 17 minutes 26 seconds
	Ford Escort Cosworth 1:43 Rally Car Tommy Makinen RARE	0.01	14 hours 24 minutes 45 seconds
	kingston KTM 5037/4g (2x2G pair) DDR1 eServer XSeries memory FRU 41P0252	0.01	15 hours 3 minutes 57 seconds
	CiT Multi Functional Panel - All in 1 card reader + 1394 Firewaire & eSATA port	0.01	15 hours 43 minutes 8 seconds
	Rule Of Four Ian Caldwell & Dustin Thomason PB thriller novel Da Vinci Code esq	0.01	16 hours 8 minutes 10 seconds
	STAR WARS ~ New Essential Guide to Weapons and Technology ~ NEW BOOK	0.01	16 hours 26 minutes 39 seconds
	ESPN Magazine Michael Jordan MJ	0.01	16 hours 48 minutes 10 seconds
	Ladies Espedrials Wedge Turquoise Shoe Size 5	0.01	17 hours 11 minutes 24 seconds
	Canon AF310XL Super 8 and Kodak Escort 8. 8mm video cameras. Vintage classics.	0.01	17 hours 32 minutes 20 seconds
	The Vanishing Act of Esme Lennox by Maggie O'Farrell (Paperback, 2007)	0.01	17 hours 43 minutes 47 seconds
	THE ONLY WAY IS ESSEX Series 1 NEW SEALED DVD	0.01	17 hours 52 minutes 40 seconds
	INTERNET BUSINESS FOR SALE WEBSITE OPPORTUNITIES ESTABLISHED FRANCHISE LAND CASH	0.01	17 hours 59 minutes 22 seconds
	CLOCK PLATFORM BALANCE WITH LEVER ESCAPEMENT (R&S ROTHERHAMS ENGLAND) LOT7	0.01	18 hours 1 minute 8 seconds
	1p!! Estee Lauder Gentle Eye Makeup Remover 50ml New	0.01	18 hours 8 minutes 20 seconds
	Blur The Great Escape (Cassette, Album, Food: Parlophone Music, F:PM 464, 1995)	0.01	18 hours 12 minutes 28 seconds
	ESCORT MK2 1600 CROSSFLOW 2 PIECE PROPSHAFT	0.01	20 hours 11 minutes 24 seconds
	ALLOY WHEEL REFURBISHMENT + SMART REPAIRS LONDON ESSEX	0.01
	LEARN How To Build an Established Website Online Business FREE TRAINING FOR SALE	0.01	22 hours 37 minutes 54 seconds
	Winning at Poker: Essential Hints + Tips Dave Scharf Book chips money tournament	0.01	1 day 2 hours 27 minutes 46 seconds
	Night At The Museum 2 - Escape From The Smithsonian (DVD)	0.01	1 day 4 hours 57 minutes 49 seconds
	Various Artists - The Essential Christmas Album - Promo CD Album - Ex	0.01	1 day 7 hours 18 minutes 3 seconds
	Made to Order Wooden Window Frames Bespoke Replacement / Estimates	0.01	1 day 7 hours 21 minutes 5 seconds
	Pack of 30 Estelle Snap Hair Clips! - Various Colours! ***PRETTY DESIGN***	0.01	1 day 13 hours 48 minutes 17 seconds
	ESSENCE WOMEN'S ANKLE BOOTS SIZE-8	0.01	1 day 15 hours 26 minutes 32 seconds
	CARPENTRY ESSENTAL DVD GUIDE 2007 JOINERY WOOD WORKING REGION FREE DVD MINT	0.01	1 day 16 hours 27 minutes 30 seconds
	espresso coffee machine boiler inspections	0.01	1 day 16 hours 48 minutes 44 seconds
	We are stripping a Ford escort mark 4!	0.01	1 day 16 hours 58 minutes 52 seconds
	THE SPY WHO LOVED ME Movie Poster in James Bond 007 Magazine # 3 Lotus Esprit	0.01	1 day 17 hours 1 minute 7 seconds
	estee lauder nutritious radiance essence 50ml	0.01	1 day 18 hours 45 minutes 37 seconds
	Omega 2.5 TD Elite Estate Breaking For Spares(BMW Diesel Engine)	0.01	1 day 19 hours 58 minutes 20 seconds
	PEUGEOT 407 SALOON/ESTATE 2004-2011	0.01	1 day 21 hours 37 minutes 49 seconds
	Original: The Essex Regiment Cap Badge	0.01	1 day 22 hours 29 minutes 13 seconds
	SCRAP & UNWANTED CARS / VANS / 4X4 / MPV / ESTATES / NON RUNNERS TOP CASH PAID	0.01	2 days 7 hours 59 minutes 26 seconds
	Supreme Mobile Welding - Mobile Welder Fabricatiors In & Around Essex	0.01	2 days 9 hours 20 minutes 9 seconds
	VW mk4 Golf Estate rear load cover genuine item.	0.01	2 days 16 hours 19 minutes 20 seconds
	esso extra keyring	0.01	2 days 17 hours 20 minutes 23 seconds
	FORD ESCORT MK4 DASHBOARD	0.01	2 days 18 hours 35 minutes 49 seconds
	Man & Van London Herts Essex Bucks 07958 282124 X Buisness Card X Plz Read X	0.01	2 days 20 hours 7 minutes 49 seconds
	*****Brand New Espirit Size6-8 Skirt/Top/Jacket***Low starting**L@@k@!******	0.01	2 days 20 hours 47 minutes 14 seconds
	'God was in Christ: An Essay on Incarnation and Atonement' by D.M. Baillie	0.01	2 days 21 hours 2 minutes 25 seconds
	audi A4 2.5 tdi sc estate black deisel breaking	0.01	3 days 4 hours 11 minutes 1 second
	MASSIVE JOBLOT OF X20 WIPER + ESR + BLOWER MOTORS, FORD SD1 ESCORT METRO XJ6	0.01	3 days 5 hours 56 minutes 41 seconds
	XBOX ESPN WINTER SPORTS	0.01	3 days 6 hours 21 minutes 56 seconds
	Josh's Jumper by John Escott (illustrated by Harmen van Straaten) LADYBIRD BOOKS	0.01	3 days 10 hours 49 minutes 19 seconds
	The Photographer's Exposure Field Guide: The Essential Guide to Getting the...	0.01	3 days 14 hours 19 minutes 21 seconds
	Dead Man Running: A True Story of a Secret Agent's Escape from the IRA and...	0.01
	Women's 'espirit' tshirt - small	0.01	3 days 16 hours 17 minutes 31 seconds
	man with a van london and Essex from £11 per hour	0.01	3 days 17 hours 19 minutes 29 seconds
	PRIMARK ESSENTIALS 3 pairs of black trainer style ankle socks -size 8-10 NEW	0.01	4 days 8 hours 25 minutes 9 seconds
	Aromatherapy Pure Essential Tea Tree Oil Job Lot Of 12 10ml Bottles	0.01	4 days 9 hours 51 minutes 32 seconds
	ESQUIRE MAGAZINE July 2011 Robbie Williams	0.01	4 days 10 hours 52 minutes 44 seconds

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• E: 21/05 (10am) WIN tickets to Kelly Clarkson at Sheffield Motorpoint Arena
  *_*The Star*_* (http://www.thestar.co.uk/lifestyle/music/win-tickets-to-kelly-clarkson-at-sheffield-motorpoint-arena-1-4566477) * staronline@sheffieldnewspapers.co.uk ***Data Protection: By Supplying your contact details, including email address and mobile number, you agree that Johnston Press plc, publishers of The Star and Sheffield Telegraph, plus it’s business partners may contact you about new promotions, products and service by mail, email, phone, fax, SMS/MMS. Add the word EXIT at the end of your communication if you do not wish to recieve these ** For a chance to win a pair, enter our free draw by email or Twitter. Four pairs are up for grabs by email - give your name and details, with StarCompKC in the subject bar, to staronline@sheffieldnewspapers.co.uk. Our other pair of tickets will be won in a separate draw via Twitter. Simply follow digital editor Graham Walker on Twitter @GW1962 (https://twitter.com/#%21/GW1962) then tweet him with #StarCompKC. Deadline for both draws is Monday, May 21, 10am. Usual SNL rules and data protection terms apply.
• E: 21/05 Win tickets to see it in IMAX 3D at Cineworld Sheffield
  
• 
  
• E: 31/05 Win The First Three William Marshal Books
  *Living The History - Elizabeth Chadwick (http://livingthehistoryelizabethchadwick.blogspot.co.uk/2012/05/celebrating-life-of-william-marshal-and.html)* Just leave a comment on the blog.
• Pre Existing Health Conditions
  
• E: 28/05 Win VIP Tickets To Bournemouth Sevens
  *Listed Magazine (http://www.listedmagazine.com/All+Towns/competition/Win+VIP+Tickets+to+Bournemouth+Sevens+-+01-03+June.html)* Answer: Nintendo
• 
  
• E: 16/06 Win Piggy On DVD
  *Horror Channel (http://horrorchannel.co.uk/competitions.php?feature=93)* Answer: Kieron Hawkes
• E: 19/06 Win! A waterproof camera
  
• E: 27/05 5pm Win Freerunner DVD (Facebook/Twitter)
  Email: fmgiveaways@gmail.com Subject: FREERUNNER Include your postal address and Facebook or Twitter username. Either like them on Facebook (https://www.facebook.com/flickeringmyth) or follow them on Twitter (http://twitter.com/#%21/flickeringmyth), then email them. Be sure to include your postal address and Facebook or Twitter username. Clicky (http://www.flickeringmyth.com/2012/05/win-freerunner-on-dvd.html)
• My Granny Tax Rebels Website
  
• E: 28/08 Win a Timex Union Jack Watch
  *johnlewis.com (http://www.johnlewis.com/Competition/CompetitionPage.aspx?CompId=492)* The prize comprises of the following: A Timex Union Jack watch (Timex T2N797 Unisex Easy Reader Round Dial Union Jack Strap Watch, Multi). We have 20 watches, worth £49.99 each, to give away. One entry allowed per person, per competition. Competition closes at midnight on 28 August, 2012
• Today I got a lesson in Apple build quality.
  
• E: 30/09? Win A Smart Car (Over 21s)
  *Finesse Windows (http://www.finesse-windows.co.uk/smart_car_competition.php)* Short survey.
• E: 28/05 Win Flights To Venice From Manchester
  *Smooth Radio North West* (http://www.smoothradio.co.uk/about/win-a-break-to-dubrovnik/win-flights-to-venice/779fa) Answer: Gondola
• Sold Mortgage PPI by Financial Advisor
  
• E: 28/05 Win Flights To Milan From Manchester
  *Smooth Radio North West* (http://www.smoothradio.co.uk/about/win-a-break-to-dubrovnik/win-flights-to-milan/6eb78) Answer: Fashion
• E: 28/05 Win Flights To Verona From Manchester
  
• E: 28/05 Win A Weekend Break To Dubrovnik From Manchester
  *Smooth Radio North West (http://www.smoothradio.co.uk/competitions-offers/win-a-break-to-dubrovnik/19b9c)* Answer: Croatia
• 
  *Smooth Radio Glasgow (http://www.smoothradio.co.uk/competitions-offers/win-tickets-to-the-steamie/1f56f)* Answer: Tony Roper
• Inconsiderate flat above neighbours have pushed me too far now!!!!
  
• 
  *Tay AM (http://www.tayam.co.uk/win/caravan-show-2012/)* Answer: Forth
• E: 28/05 Fisher-Price Soothe and Go Bouncy Chair (blog)
  ---Quote--- Fisher-Price have a Soothe and Go Bouncy Chair to offer one reader. To enter the competition, leave a comment here (http://www.diaryofafirstchild.com/2012/05/14/fisher-price-soothe-and-go-bouncy-chair-review-and-competition/)telling me your favourite feature of this chair. ---End Quote--- This competition finishes at 23:59 on 28 May and the winner will be randomly drawn
• E:28/05 Little Learners Baby/Toddler Books (blog)
  ---Quote--- One reader can win the above set of books simply by heading to Parragon (http://www.parragon.com/uk/books/category/kids/little-learners), browsing their Little Learners range, then coming back here (http://www.diaryofafirstchild.com/2012/05/14/little-learners-books-review/)and telling me which looks like it could be a favourite in your home. ---End Quote--- This competition finishes at 23:59 on 28 May and the winner will be randomly drawn.
• Investment advice
  Hi Guys, I am looking for some advice on how to use funds of around 10k to make a good return. I currently have money in an investment which should pay out a fixed 30% return within one year, however, i am looking to distribute money and perhaps invest elsewhere, maybe just invest a few grand here and there. I am interested in buying shares as well as other investment schemes, and i am just wondering what you would advice? Financially i am very stable and this 10k is purely for investing at this time- however, i would rather not get involved in high risk investments. what is the best way of using this money to build up my investment portfolio and ensure a good return over a varied time scale(preferably i want a short term for the majority of the money, but i dont mind tying a few grand up for longer if need be)- i also like the idea of owning shares that i can quickly sell if need be. I appreciate any advice CR
• E: 24/05 Win a £150 Hotels.com voucher (email)
  *COMPETITION LINK AT GUARDIAN.CO.UK* (http://www.guardian.co.uk/travel/gallery/2012/may/20/viewfinder-competition-win-hotel-voucher) Name the place from the clues. *The answer is...........Townsville,Australia* Clues: Wiki (http://en.wikipedia.org/wiki/Townsville) global campaigner for free speech. (http://en.wikipedia.org/wiki/Julian_Assange)
• E:21/05 Babyrug Bug in a Rug Competition (blog)
  
• rent with a view to purchasing (to avoid bridging loan)
  
• E:21/05 £100 Zalando Voucher for shoes, clothes etc (blog)
  ---Quote--- One reader has a chance to win a £100 voucher from Zalando. To stand a chance to win, head over to Zalando (http://www.zalando.co.uk/), have a browse around, then come back here (http://www.diaryofafirstchild.com/2012/05/07/zalando-review/)and tell me at least one thing that you would spend your winnings on. ---End Quote--- This competition finishes at 23:59 on 21 May and the winner will be randomly drawn.
• E: 06/06 Win,monthly delivery from the Real Flower Company plus a hat box of goodies!
  

- Spend & Save RSS Feed

• Investment Insider: Beware flotations at 'wonderful' prices
  ]]> A recent survey conducted among Motley Fool users ahead of the Facebook listing revealed that investors with less than one year's investing experience were twice as likely to invest in the flotation of Facebook as investors with more than 20 years of know-how under their belt.
• Technology stocks: Time to party like it's 1999?
  ]]> Technology investment is back with a bang. Facebook's float is just the latest in what is a lengthening line of exciting companies coming to market at what seem huge valuations. Investors, it seems, are being asked to party like it's 1999 all over again, back when everything technology glittered.
• Brits in stampede to snap up euros as pound soars
  Currency exchanges have seen a surge in Brits buying euros as the pound rises to a three-and-a-half-year high against the single currency. Travelex for instance has seen online sales of the euro rise by 290 per cent year-on-year since the latest round of eurozone turmoil.
• Derek Pain: Perversely, many small caps are still left out in the cold
  Earlier this year there were high hopes that the persecution of small caps was coming to an end. There was a sudden outbreak of enthusiasm and the stock market undercard looked more lively than it had for a long time.
• Money Insider: Personal loans - to pay less, just borrow more
  ]]> If you're seeking finance to help with the cost of your home improvements or perhaps to change thefamily car, a personal loan from your bank or building society is often the first port of call.
• The Bargain Hunter: Wine and clothes in huge M&S sale
  Marks & Spencer is in the midst of a huge in-store and online sale, with discounts available at over 450 stores, including 150 M&S Simply Foods.
• Simon Read: Don't panic about the euro crisis but do take stock of savings
  Finances have hit the news headlines again this week as the continuing euro crisis sent shock waves across stock markets and served as a sharp reminder of the tough times of the disastrous banking collapses of 2008.
• Donald MacInnes: There are worse jobs than being a sport-orientated peacemaker
  Yes, I know I promised I would deliver an answer this week to the ongoing tension in the West Bank (in three easy steps including a cross-border badminton round robin), but events have conspired to render this unlikely. After my comments last week about the survival or otherwise of a certain football team in Glasgow, I received quite a few emails calling me bad names and questioning my personal development.
• Questions Of Cash: Left in tears by wrangle over medical bills
  Q. I went to a medical centre in August last year with varicose veins. Although my vein was pumping blood the wrong way, I was told that an operation to treat it was no longer available through the NHS.
• Mark Dampier: China domestic focus has not reduced the potential
  ]]> I recently spent five days in China with the renowned fund manager Anthony Bolton. We went to three major cities, Hong Kong, Beijing and Shanghai, visiting 18 companies most of which he owns in his Fidelity China Special Situations Trust. It was a most insightful trip, which highlighted both the opportunities and the risks of investing in China.
• Energy bills 140 per cent higher than in 2004
  The cost of energy is climbing five times faster than household incomes, figures show. Earnings have typically risen by 20 per cent since 2004, but average home energy bills soared by 140 per cent.
• Government accused of abandoning poor families by slashing fuel poverty spending
  The Government has been accused of turning its back on hard-up families by slashing spending on fuel poverty.
• Be prepared for the job axe to fall
  Whichever way you slice it, the outlook for employment is getting bleaker. Last week the Centre for Economics and Business Research said that the long-standing official prediction for joblessness was way short of the mark and that by 2016, we could see three million-plus out of work. A gloomy prospect indeed but if you have a financial safety net in place, you and your family can prepare for the worst.
• Payday lenders 'failing to properly record borrowers' credit history'
  The payday lending industry has been accused of not making enough checks to ensure it is lending responsibly. Credit reference agency Equifax has issued an alert that some payday lenders are failing to record all their lending transactions. This means that when other lenders come to check the credit files of applicants they may not be seeing all clients' borrowings.
• Brits put baby plans on hold as confidence dips
  Four in 10 couples have shelved plans to start a family because they can't afford it, according to research from the Skipton Building Society.
• Wealth Check: 'How can we put a bit aside to enjoy luxuries?'
  The patient
• Keep cool in the heat of an auction and bag a bargain
  The auction rooms are again abuzz with activity, with the industry monitor the Essential Information Group reporting a 12 per cent year-on-year increase in the number of lots coming under the hammer. Normally busy auction rooms are a sign of ill times in the property market – desperate sellers and bargain-hungry cash buyers meeting. This time around, though, the story is more complex.
• Julian Knight: Drop in storecard use proves public is credit savvy
  There is an attitude in this country that consumers are perennial victims, unable to make correct decisions and forever being hoodwinked by clever marketeers. Take the select committee discussions on payday lending, for instance, which possessed no understanding of the fundamental point that if there wasn't a demand for short-term lending it wouldn't exist.
• Revolt: Join in the shareholder spring
  ]]> It may not be the storming of the Winter Palace but there is a whiff of revolution in the air. Boards of some of the UK's biggest companies, used to having their bumper bonuses and pay awards simply nodded through at their company's annual meetings, have been rocked by shareholder revolts. The bosses of failing companies, and even some seemingly well-run companies, are being called to task about the pay they award themselves.
• BlackRock launches range of European debt funds
  BlackRock has launched eight exchange-traded funds (ETFs) investing in the sovereign debt of single European countries, at a time when the future of the eurozone is in deep crisis.
• The Bargain Hunter: Cut-price kitchens with television deals
  If you're looking for a television to keep up-to-date with this summer's sporting and cultural events, look no further than Wren Kitchens.
• Does Co-op deal look tempting to energy switchers?
  ]]> Co-operative Energy emerged yesterday as winner of the much-heralded Big Switch campaign launched by Which? and 38 Degrees.
• Questions Of Cash: NatWest ignored me over old account
  Q. Both my parents have passed away. While undertaking the house clearance I came across a National Provincial bank account book in my name. It was opened for me at the age of eight and clearly intended for me to benefit when older. The bank book shows over £800 and there is no record of any withdrawals.
• Derek Pain: Small shareholders will be the losers in RBS consolidation
  Share consolidations have much to commend them – but sometimes they can be disastrous for small shareholders. The Royal Bank of Scotland (RBS) is the latest to indulge in a revamp that will transform its low-price shares – more or less in the penny-dreadful category – to rather more heavyweight components of the stock market.
• Spotlight On: Close brothers premium gold
  The deal
• Tesco bond doesn't offer supermarket savings
  ]]> Tesco Bank is offering a tempting, 5 per cent a year until 2020 in its latest offering.
• Ben Yearsley: High-risk, but BlackRock could prove a gold mine
  The reining-in of bank lending over the last few years has led to some interesting opportunities in unexpected areas. Prior to the global financial crisis banks happily leant to all and sundry at low interest rates, leveraging balance sheets to ridiculouslevels. However, intent on rebuilding capital, banks are now taking the opposite attitude, refusing to lend on anything other than stringent terms to extremely well-capitalised companies for low-risk projects. This has affected all kinds of sectors, and innovative fund managers could be well placed to capitalise.
• Five Questions About: Foreign currency
  What's happening with the exchange rate?
• Donald MacInnes: Why I wouldn't cry if my former team Rangers went under
  I don't understand the complex economic narrative unfolding in my home city, whereby Glasgow Rangers football club fights for its life after years of financial stewardship which can only be described as "Greek". As words like "broke", "soup kitchen" and "jail" get bandied around, with me being a former Rangers fan, you'd think I would spend my days crying at the kitchen table. But this will never happen. Why? Because we don't have a kitchen table. And as I allow that revelation to sink into your conscious minds, like a welly in a swamp, I should probably explain why I am a "former" fan.
• Digital can pay off for charity
  ]]> When Phil Szomszor decided to run the Hastings Half Marathon in memory of his beloved mum, Brenda, he used his knowledge of social media to maximise donations to St Michael's Hospice, a local charity that cared for her in the last weeks of her battle with cancer.
• British Gas owner Centrica warns of rising costs
  Households were facing the prospect of more price hikes today after British Gas owner Centrica warned its costs continued to mount.
• Inflation higher for poor families
  The cost of living has been rising more quickly for the poorest households as a result of higher energy and food bills, according to new research.
• Holidaymakers benefit from eurozone uncertainty
  Holidaymakers travelling to eurozone countries are getting the best value for money in three-and-a-half years amid the continuing eurozone crisis.
• Grab holiday cash as sun shines on pound
  ]]> With the pound strengthening against the euro, now might be a good time for Brits to lock into a good rate ahead of their summer holiday.
• UK funds: A home win is not guaranteed
  ]]> The adage "there's no place like home" is one used in many walks of life, but it can also be applied to lots of people when it comes to investing. Many of us feel more comfortable putting our cash to work in familiar UK companies rather than those based overseas, but with economic growth remaining sluggish, it is crucial to be selective over what you buy to gain the highest returns.
• Be quick off the mark to land best ISA offers
  ]]> We may be a month into the new tax year but if you haven't found a home for your savings the sooner you act, the better.
• Investment insider: Don't sell in May if you want to reap your dividends
  ]]> According to an old stock market adage, May signals the time of year when we should sell our shares and go away. The rest of that old saying tells us not to return until St Leger Day (in September).
• The Bargain Hunter: iPhone 4S - plus M&S vouchers
  Three, the UK's fastest-growing mobile network, has teamed up with the mobile phone news and price comparison website Recombu to provide a fantastic offer on the iPhone 4S.
• Ben Chu: What went wrong in the eurozone and why didn't bailouts fix it?
  Greece had to be bailed out by the European Union and the International Monetary Fund two years ago because it had lost the confidence of the private financial markets.
• Believe it or not, Europe could be a winner for investors
  ]]> Europe hasn't been popular with investors for some time. The reasons are obvious. The eurozone was in a precarious state long before the first European Central Bank bailout two years ago. Since then it has lurched from one crisis to the next, with Spain and Italy now creating the most financial concerns.
• Questions Of Cash: Early payment meant extra tax on annuity – and I'm out of pocket
  Q. I receive a small monthly annuity from Clerical Medical, paying £423.02 gross, £406.02 net. I received two payments in March, because my April payment date was a bank holiday.
• Money Insider: Rates may be low but don't give up the savings habit
  It is more than three years since the Monetary Policy Committee slashed base rate to 0.50 per cent to try and get the UK economy moving again, but it appears we have made little headway in that time and now find ourselves back in recession.
• Donald MacInnes: It's not asking for the Moon if you get paid in old newspapers
  Excuse my beginning with such a personal question, but are you worth your salary? You certainly don't need to answer, but I only ask because of two things which happened this week. The first was that, due to a piece I wrote a few weeks ago bemoaning the lack of spending on the US space programme, I was offered the chance to interview an actual Apollo astronaut; someone who has walked on the Moon.
• Simon Read: Making hundreds of pounds in a couple of hours is child's play
  I appeared on BBC1's consumer programme Watchdog last week talking about outrageously high admin charges on insurance policies and others.
• Mark Dampier: Let Lyon's Trojan fund time the stock market for you
  Stock markets are not currently rewarding a buy and hold approach to investing. It is not the first time this has been the case. Between 1967 and 1982 the Dow Jones Industrial Average went nowhere.
• Derek Pain: Whitbread's new shape is riding out recession in style
  Whitbread continues to defy the bears. In the nearly four years that the hospitality group has been a constituent of the No Pain, No Gain portfolio, detractors have never been far away. In the earlier days of its membership their great fear was that it would be unable to resist the gathering recessionary influences. More recently some have been unimpressed by the group's numbers.
• Mandelson kicks off new pro-euro campaign
  ]]> Britain should eventually join the euro to avoid being frozen out in the "EU mark two" that will emerge, Lord Mandelson will argue today.
• The 10 Best personal finance apps
  ]]> 1. UK Salary Calculator
• Wealth Check: 'Can we prepare for an income fall during teacher training?'
  The patient
• Don't be fooled by a scammer
  ]]> Open a letter, an email from a stranger or pick up the phone and you are in a scammer's the line of fire. Conservative estimates suggest that hundreds of thousands of Britons fall prey each year to cons and the result is always the same: You lose, the criminal wins.

lovemoney.com - Q&A - All questions
All questions from Q&A on lovemoney.com

• 
  I have only received a cheque for the year 2009-10 to date but wish all the monies owing (around £8,000) to be paid asap. Am I entitled to demand this?]]>
• 
  Which? has published some really scary research on payday loans, finding that 60% of people that have used them have done so to meet the costs of essentials like food and nappies. There have also been many issues with hidden charges. You can read the full research here http://www.which.co.uk/news/2012/05/new-which-research-exposes-payday-loan-failings-286258/ So, have you ever used a payday loan? What did you use it for? How did it go?]]>
• 
  For instance if an employees' monthly salary is £400 for the first 11 months of the tax year (therefore NO NI PAYABLE) but in the last month he earns £1,000 (which is above NI threshold), will there be an NI liability (even though overall his annual gross salary works out to be £5,400 - which is below the NI threshold?]]>
• 
  
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• 
  we were there 3mths and paved the back garden because the grass had all died, the landlord told us that if we ever move they would sort us out for the job, after 12 mths there we were offered a bungalow off the council , so we took it, now the landlord says they will not sort us out for the garden cos we never asked them permission, do we have a case,x]]>
• 
  My ex and I jointly bought a house in 1998, she left me in 2003 and I paid her £25,000. I never removed her from the mortgage and deeds. She has recently instructed a solicitor and is making a claim on the house. Can she do this? As I said she is still on mortgage and deeds, can I remove her without her knowledge? I don't know what to do!]]>
• 
  According to a story in the Times this weekend, when assessing a prospective borrower's application, Northern Rock asks what they spend on things like haircuts or pets. Is it a good thing that lenders are taking such a detailed approach to working out whether we can afford the mortgage, or are the questions getting a little too personal?]]>
• 
  X paid off daughters mortgage with the proviso that when the property was sold the money would be returned. As the property market has slowed down selling at present doesn't seem the best option so X and her daughter are considering renting it out until they can sell at a price that will cover the loan,but they are not sure,for tax purposes, whose bank account the rent money should be paid into. The deeds of the property are in the daughters name ,but the equity belongs to X.]]>
• 
  I have the proof of my payments and emails but the owner said that she would pay me when I got back to the UK. I have constantly rang her and now she says that she has sent a cheque to me. I have received nothing and she is now saying a handle on a cupboard was broken. What do I do?]]>
• 
  As announced in the Queen's Speech, the Government is going ahead with plans to introduce flexible paternity leave. This could see new fathers enjoy up to six months of paternity leave. Business leaders are very upset, saying this will be a nightmare to manage. What do you think?]]>
• 
  SES is secured exit strategy. One can register at IPIN Global to gain more explainattion on this investment. It seems too god to be true with annualized return of 20% on your investment. Regards Xixilizerone]]>
• 
  My credit card company has written out of the blue telling me they are going to increase the amount I can borrow. Currently I have an interest free amount sitting on the card which I am gradually chipping away at and don't use the card otherwise. Will my credit rating be affected if I accept (by default) or decline the increase?]]>
• 
  Our recently deceased mother left £35k for our youngest brother who is autistic (age 45). We other 2 brothers hold the account in trust for him. On his eventual death the capital goes to his 2 nephews. According to the will he can have the interest for his own use subject to trustee approval.]]>
• 
  If I were to buy a leasehold in an area that is possibly due to be re-developed, where do I stand if the council do infact wish to develop on the land? Would I lose everything I invest? Be given the market value of the property? Negotiate with the council on the value? Any replies greatly appreciated!]]>