martin healy

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Why Britons can't have 40-year fixed rate mortgages

In many countries borrowers can fix their mortgage rate for decades. The Bank of England wants the UK to follow.<p>In many parts of the world, house buyers can rest assured that their mortgage rates won’t change for decades. Now British lenders are coming under renewed pressure to introduce deals that …

Hedged dividend investing for retirement

When it comes building a retirement-income portfolio, retirees are often faced with a seemingly insurmountable challenge: They have to figure out how …

Annuity firms find new ways to boost profits

Britain’s insurers, who blame bond markets for low rates, are accused of secretly boosting profits at the expense of savers<p>Britain’s insurers are accused of secretly boosting profits at the expense of savers when they convert their pension savings into a retirement income.<p>The Telegraph understands …

20 Signs You're Stuck In A Dead-End Job--And What To Do If You Are

Are you in a job where the only way to move up is to get out? Is your role becoming obsolete, as the skills required are being replaced by technology? Are your colleagues given opportunities that you’re not?<p>If you answered <i>yes</i> to any of the above, there’s a good chance your career has come to a …

Martin Lewis: What I earned from peer-to-peer savings

A new breed of website make bold claims on income. The founder of Moneysavingexpert reveals the returns he made from peer-to-peer lending/saving.<p>Six per cent interest is enough to put a rosy glow into the cheeks of any depressed saver. Yet many worry that peer-to-peer lending websites such as Zopa, …

Michael O'Leary's 33 daftest quotes

Despite them both wearing suits and helming huge commercial operations, Ryanair CEO Michael O'Leary isn't quite as well-loved as his namesake, X Factor host Dermot O'Leary. The 52-year-old multimillionaire aviation magnate is outspoken, unreconstructed and makes headlines every time he opens his …

Exclusive: Regulator to bring in tighter controls on peer-to-peer lending

The City watchdog will today announce a new crackdown on the crowdfunding and peer-to-peer lending industry, which is expected to top £1bn by …

Peer-to-peer

This Is The Best Time To Drink Your Coffee, According To Science

When cortisol, a hormone associated with alertness, dips, you’ll start feeling drowsy. That’s the moment to caffeinate.<p>If you’re anything like certain members of the <i>Fast Company</i> staff, then you feel more or less undead until you have your morning cup of<p>brainscoffee. However, insight into the way …

A Six-Month Game Plan For Starting Your Own Business

<i>Starting your own business is risky and scary, but hanging on to an office job you hate poses other problems. All the more so in today’s tough job market when it may be difficult to find any job – let alone one that suits you. The more eclectic your interests or skills, the more difficult your</i> …

20 Things I Will Not Regret Doing With My Kids

<b>1. Tucking them into bed at night.</b> Someday, they'll be too big and I won't get that moment back. Saying goodnight, pulling up the covers and kissing their heads is a gift.<p><b>2. Telling them I love them.</b> Start this when they're young. "I love you" is a powerful three-word phrase that matters.<p><b>3.</b> …

Ten-point checklist before buying retail bonds

Companies are lining up to borrow your money – and offering high rates of interest. Don't invest until you've run such bonds through our 10-point test.<p>A flood of money has gone into high-yielding investments from companies offering bonds over the past couple of years as savers bid to escape the …

If You Want Innovation, You Have to Invest in People

As the convergence of digital technologies drives unprecedented levels of change in global marketplaces, it is very much a reality that a company must, as Bill Gates put it, “innovate or die!” In therace for relevance to future customers, the greater a company’s innovation capacity, the greater its …

Will.i.am on waste, technology and turning the world on its head: http://gu.com/p/3j8ja/fb 'The thing we all need to be worried about is not what industries is technology going to disrupt, but are we educating our youth to keep up with the growth of technology?' Photograph: Richard Saker

Baby survives four minutes trapped underwater after car crash

A baby girl was brought back to life after being trapped underwater in a crashed car for four minutes.<p>Beckie Thompson was driving four-month-old …

3 Beliefs That Will Transform Your Work-Life Balance

It was probably about my third month living New York City that I realized that I had lost control. I was working long days while also trying to stay fit, build rapport in the media community, and have a vivacious social life (and maybe get some shut-eye). My schedule would be booked for weeks in …

SMES looking to export: top tips

Exporting overseas, even at the best of times, can be a tricky, daunting process, though following the tips below can help minimise risk and boost a …

Small Business

The Paradox Of Doing More

How to truly get the most out of your time.<p>“To exist is to change, to change is to mature, to mature is to go on creating oneself endlessly.”― Henri Bergson<p>Between trying to survive, lead, and create with multiple simultaneous projects, it’s been a busy year. I am often asked how I manage to keep …

Savings tricks: How to earn 5pc

Some accounts are paying up to 5pc interest on your savings - you just have to know where to look.<p>Savers who prefer to keep money in cash accounts face the worst drought ever seen in Britain. The average one-year fixed rate bond now pays just 1.56pc, according to Bank of England figures published …

Twins rack up £1,000 iPad bill buying virtual pets

The six year-old boy and girl spent almost £1,000 playing on their parent's iPad in a single weekend, prompting their father to call for tougher legislation on pay-in-game apps.<p>Ashley Griffiths, from St Ives, said his twins had purchased virtual pets and clothing for two games to the cost of …