CINXE.COM
Money | The Independent
<!DOCTYPE html> <!--[if IE 8]> <html class="lt-ie9"> <![endif]--> <!--[if gt IE 8]><!--> <html> <!--<![endif]--> <head><script type="text/javascript" src="/_static/js/bundle-playback.js?v=HxkREWBo" charset="utf-8"></script> <script type="text/javascript" src="/_static/js/wombat.js?v=txqj7nKC" charset="utf-8"></script> <script>window.RufflePlayer=window.RufflePlayer||{};window.RufflePlayer.config={"autoplay":"on","unmuteOverlay":"hidden"};</script> <script type="text/javascript" src="/_static/js/ruffle/ruffle.js"></script> <script type="text/javascript"> __wm.init("https://web.archive.org/web"); __wm.wombat("http://www.independent.co.uk:80/money","20161029062215","https://web.archive.org/","web","/_static/", "1477722135"); </script> <link rel="stylesheet" type="text/css" href="/_static/css/banner-styles.css?v=S1zqJCYt" /> <link rel="stylesheet" type="text/css" href="/_static/css/iconochive.css?v=3PDvdIFv" /> <!-- End Wayback Rewrite JS Include --> <title>Money | The Independent</title> <!-- HEAD --> <!--[if IE]><![endif]--> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/> <link rel="dns-prefetch" href="//web.archive.org/web/20161029062215/http://static.standard.co.uk/"/> <meta name="apple-itunes-app" content="app-id=499587380, affiliate-data=1l3v95Z"/> <meta name="viewport" content="width=device-width, initial-scale=1"/> <link rel="dns-prefetch" href="//web.archive.org/web/20161029062215/http://static.independent.co.uk/"/> <meta http-equiv="X-UA-Compatible" content="IE=edge"/> <link rel="alternate" type="application/rss+xml" title="RSS - Money" href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/money/rss"/> <meta name="generator" content="Drupal 7 (http://drupal.org)"/> <link rel="canonical" href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/money"/> <meta property="fb:admins" content="729735830"/> <meta property="fb:app_id" content="235586169789578"/> <meta property="og:site_name" content="The Independent"/> <meta property="og:type" content="article"/> <meta property="og:url" content="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/money"/> <meta property="og:title" content="Money"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@independent"/> <meta name="twitter:url" content="https://web.archive.org/web/20161029062215im_/http://www.independent.co.uk/money"/> <meta name="twitter:title" content="Money"/> <meta property="og:locale" content="en_GB"/> <link rel="shortcut icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/favicon.ico" type="image/ico"/> <meta name="msvalidate.01" content="58C7FB6B9237322BB527AA3C68656AE3"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-60x60.png"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-72x72.png" sizes="72x72"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-76x76.png" sizes="76x76"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-114x114.png" sizes="114x114"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-120x120.png" sizes="120x120"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-144x144.png" sizes="144x144"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-152x152.png" sizes="152x152"/> <link rel="apple-touch-icon" href="/web/20161029062215im_/http://www.independent.co.uk/sites/all/themes/ines_themes/independent_theme/img/apple-icon-180x180.png" sizes="180x180"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-36x36.png" sizes="36x36"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-48x48.png" sizes="48x48"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-72x72.png" sizes="72x72"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-96x96.png" sizes="96x96"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-114x114.png" sizes="114x114"/> <link rel="android-icon" href="/sites/all/themes/ines_themes/independent_theme/img/android-icon-192x192.png" sizes="192x192"/> <link rel="ms-icon" href="/sites/all/themes/ines_themes/independent_theme/img/ms-icon-70x70.png" sizes="70x70"/> <link rel="ms-icon" href="/sites/all/themes/ines_themes/independent_theme/img/ms-icon-144x144.png" sizes="144x144"/> <link rel="ms-icon" href="/sites/all/themes/ines_themes/independent_theme/img/ms-icon-150x150.png" sizes="150x150"/> <link rel="ms-icon" href="/sites/all/themes/ines_themes/independent_theme/img/ms-icon-310x310.png" sizes="310x310"/> <!-- PRE HEAD INLINE --> <script>var _sf_startpt=(new Date()).getTime(); ; var _sf_async_config = _sf_async_config || {}; /** CONFIGURATION START **/ _sf_async_config.uid = 62356; _sf_async_config.domain = 'independent.co.uk'; _sf_async_config.useCanonical = true; _sf_async_config.flickerControl = false; _sf_async_config.sections = 'money'; _sf_async_config.title = 'Money'; /** CONFIGURATION END **/ var _sf_startpt = (new Date()).getTime(); ; var gptPath = "-in_money-in_money_hp"; ; var s_account = "indepdev"; ; </script> <!-- SCRIPTS --> <!-- STYLES --> <link type="text/css" rel="stylesheet" href="//web.archive.org/web/20161029062215cs_/http://static.independent.co.uk/s3fs-public/advagg_css/css__8hNSjhZ5ePShkLRtI7ArCXODkeETokErBoR_jivVdhs__zzROcD7ZNXWUHDGiYmDfeHA-Z9EP3v_-lv73n2_K944__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.css" media="all"/> <!-- HARDCODED --> <script type="text/javascript"> var articleId = 'index'; var pageType = 'index'; </script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://www.independent.co.uk/sites/all/libraries/modernizr/modernizr-custom.js?ofqau1"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://code.jquery.com/jquery-2.1.4.min.js"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://static.independent.co.uk/s3fs-public/advagg_js/js__H5AFmq1RrXKsrazzPq_xPQPy4K0wUKqecPjczzRiTgQ__p930YZ_ODW6ZjDLOJmxJnRL7juGStYuszD6uNS8_FFo__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.js"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://static.independent.co.uk/s3fs-public/advagg_js/js__HtxFT83R1UUVYe_-Mp7n9esVnhjh45YItD5R_qypsm8__IdimklvdPt9pZwKkrWhzGeqykvv-jlMqpYEjaMOiBX0__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.js" defer="defer"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://static.independent.co.uk/s3fs-public/advagg_js/js__GM3GJPR36rRIz0TRkjC5OQwrioSyN9aoYRivDhCO_AM__qAl84FcCv2jyN22yFGS5Oc85cjd9zKX6p_cFNLGhe-M__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.js" defer="defer" async="async"></script> <script type="text/javascript" defer="defer" src="/web/20161029062215js_/http://www.independent.co.uk/profiles/ines/modules/ines_js/js/ines_helper.min.js?ofqau1"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://static.independent.co.uk/s3fs-public/advagg_js/js__vVaL20peNm0p-z-APceH6LkoAz27qXaKDpdNFXPLQyc__tZLGMN4pplky4LlB7RVuTJO5vd_eDws7rV8VP2IiwZ8__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.js"></script> <script type="text/javascript" defer="defer" async="async" src="//web.archive.org/web/20161029062215js_/http://sadmin.brightcove.com/js/BrightcoveExperiences.js"></script> <script type="text/javascript" defer="defer" src="/web/20161029062215js_/http://www.independent.co.uk/profiles/ines/modules/ines_js/js/ines_js.defer.js?ofqau1"></script> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://static.independent.co.uk/s3fs-public/advagg_js/js__drgkXp1l39WrkTQVM5fmTeOhkx_51DOaE_bgJIy81eM__vzLftP7U57K4Jyb0CUY7JSPJyEz3ov9rOhEMwg3ngbw__wKOrbtQpvflLNdMNHxjl-mJW4u9Shn9qvegAOfhoU0Y.js" defer="defer"></script> <script type="text/javascript"> <!--//--><![CDATA[//><!-- jQuery.extend(Drupal.settings, {"basePath":"\/","pathPrefix":"","ajaxPageState":{"theme":"independent_theme","theme_token":"V3nqOYl5shxXB725TyTcPt6u_Ax8k78h3e9rZa1YL9k","css":{"modules\/system\/system.base.css":1,"modules\/system\/system.menus.css":1,"modules\/system\/system.messages.css":1,"modules\/system\/system.theme.css":1,"modules\/field\/theme\/field.css":1,"sites\/all\/modules\/contrib\/scald\/modules\/fields\/mee\/css\/editor-global.css":1,"modules\/node\/node.css":1,"sites\/all\/modules\/contrib\/picture\/picture_wysiwyg.css":1,"sites\/all\/modules\/contrib\/scald_file\/scald_file.css":1,"sites\/all\/modules\/contrib\/views\/css\/views.css":1,"sites\/all\/themes\/ines_themes\/ines_theme\/css\/style.css":1,"sites\/all\/themes\/ines_themes\/independent_theme\/css\/style.css":1},"js":{"sites\/all\/libraries\/modernizr\/modernizr-custom.js":1,"\/\/web.archive.org\/web\/20161029062215\/http:\/\/code.jquery.com\/jquery-2.1.4.min.js":1,"misc\/jquery.once.js":1,"misc\/drupal.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/main.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/section-pages.js":1,"sites\/all\/modules\/contrib\/picture\/picturefill2\/picturefill.min.js":1,"sites\/all\/modules\/contrib\/picture\/picture.min.js":1,"\/profiles\/ines\/modules\/ines_js\/js\/ines_helper.min.js":1,"sites\/all\/themes\/ines_themes\/independent_theme\/js\/adunit_define.js":1,"sites\/all\/modules\/custom\/pugpig\/core\/js\/pugpig.js":1,"sites\/all\/modules\/contrib\/scald_file\/scald_file.js":1,"sites\/all\/modules\/contrib\/scald\/modules\/providers\/scald_image\/scald_image.js":1,"sites\/all\/modules\/contrib\/google_analytics\/googleanalytics.js":1,"profiles\/ines\/modules\/ines_scald_videos_external\/ines_scald_videos_external.js":1,"profiles\/ines\/modules\/ines_sharethrough\/js\/sharethrough.js":1,"profiles\/ines\/modules\/ines_taboola\/js\/taboola.js":1,"profiles\/ines\/modules\/ines_layout_config\/js\/layout_grid.feeds.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/gigya.session.js":1,"https:\/\/web.archive.org\/web\/20161029062215\/https:\/\/sadmin.brightcove.com\/js\/BrightcoveExperiences.js":1,"\/profiles\/ines\/modules\/ines_js\/js\/ines_js.defer.js":1,"profiles\/ines\/modules\/ines_commercial\/ines_commercial_ads\/js\/commercial.lazy_ads.js":1,"profiles\/ines\/modules\/ines_js\/js\/in\/html.tpl.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/vendor\/jquery.lazyload.min.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/ines-lazy-load.js":1,"sites\/all\/themes\/ines_themes\/ines_theme\/js\/ines-share-init.js":1,"sites\/all\/themes\/ines_themes\/independent_theme\/js\/sitecatalyst.masthead_tracking.js":1}},"layoutgridfeeds":[],"scaldFile":{"path":"sites\/all\/modules\/contrib\/scald_file\/scald_file.css"},"googleanalytics":{"trackOutbound":1,"trackMailto":1,"trackDownload":1,"trackDownloadExtensions":"7z|aac|arc|arj|asf|asx|avi|bin|csv|doc(x|m)?|dot(x|m)?|exe|flv|gif|gz|gzip|hqx|jar|jpe?g|js|mp(2|3|4|e?g)|mov(ie)?|msi|msp|pdf|phps|png|ppt(x|m)?|pot(x|m)?|pps(x|m)?|ppam|sld(x|m)?|thmx|qtm?|ra(m|r)?|sea|sit|tar|tgz|torrent|txt|wav|wma|wmv|wpd|xls(x|m|b)?|xlt(x|m)|xlam|xml|z|zip"},"urlIsAjaxTrusted":{"\/money":true},"ines_sharethrough":{"placements":[{"id":"mpu0","key":"tAQX6W3121YiK9My3PdnAq9M"},{"id":"mpu1","key":"tAQX6W3121YiK9My3PdnAq9M"},{"id":"mpu2","key":"tAQX6W3121YiK9My3PdnAq9M"}]},"ines_taboola":{"placements":[{"id":"mpu0","container":"taboola-mid-main-column-thumbnails","placement":"Mid Main Column Thumbnails"},{"id":"mpu1","container":"taboola-mid-main-column-thumbnails-2nd","placement":"Mid Main Column Thumbnails 2nd"},{"id":"mpu2","container":"taboola-mid-main-column-thumbnails-3rd","placement":"Mid Main Column Thumbnails 3rd"}]},"commercial_ads":{"gptSlots":["leaderboard","mpu0","mpu3","teadsib","znaptag","thirdparty01","outofpageslot","takeover1","takeover2"],"lazy_gptSlots":["partner1","partner2","partner3","partner4","partner5","partner6","partner7","partner8","partner9","partner10","mpu1","mpu2","mpu4","mpu5","mpu6","mpu7","mpu8","mpu9","perform"],"breakpoints":{"750":[{"slot":"leaderboard","slotWidth":"320"}],"1050":[{"slot":"leaderboard","slotWidth":"728"}]}},"gigya_ui":{"shareButtons":[{"provider":"facebook","tooltip":"Share on Facebook","enableCount":"false","iconImgUp":"\/sites\/all\/themes\/ines_themes\/independent_theme\/img\/facebook.png"},{"provider":"Twitter","tooltip":"Share on Twitter","enableCount":"false","related":"independent,thei100,indyusa","via":"independent","iconImgUp":"\/sites\/all\/themes\/ines_themes\/independent_theme\/img\/twitter.png"},{"provider":"WhatsApp","tooltip":"WhatsApp","enableCount":"false","iconImgUp":"\/sites\/all\/themes\/ines_themes\/independent_theme\/img\/whatsapp.png"},{"provider":"email","tooltip":"email","enableCount":"false","iconImgUp":"\/sites\/all\/themes\/ines_themes\/independent_theme\/img\/email.png"},{"provider":"share","tooltip":"Share","enableCount":true,"iconImgUp":"\/sites\/all\/themes\/ines_themes\/ines_theme\/img\/blank.gif"}]},"ines_share":{"fbAppId":"235586169789578"},"js_defer":{"onLoad":[],"onReady":[{"src":"\/\/web.archive.org\/web\/20161029062215\/http:\/\/adyoulike.omnitagjs.com"},{"src":"\/\/web.archive.org\/web\/20161029062215\/http:\/\/native.sharethrough.com\/assets\/sfp.js"},{"src":"\/\/web.archive.org\/web\/20161029062215\/http:\/\/esi.gscontxt.net\/independent\/channels.cgi?url=http%3A%2F%2Fwww.independent.co.uk%2Fmoney"},{"src":"https:\/\/web.archive.org\/web\/20161029062215\/http:\/\/www.independent.co.uk\/profiles\/ines\/modules\/ines_commercial\/ines_commercial_ads\/js\/commercial.openx.js"},{"src":"https:\/\/web.archive.org\/web\/20161029062215\/https:\/\/hammerjs.github.io\/dist\/hammer.min.js","id":"hammerjs","modernizr":"touchevents"},{"src":"https:\/\/web.archive.org\/web\/20161029062215\/http:\/\/cdn.gigya.com\/JS\/gigya.js?apiKey=2_bkQWNsWGVZf-fA4GnOiUOYdGuROCvoMoEN4WMj6_YBq4iecWA-Jp9D2GZCLbzON4","id":"gigya"}],"dependant":{"hammerjs":[{"src":"https:\/\/web.archive.org\/web\/20161029062215\/http:\/\/www.independent.co.uk\/profiles\/ines\/modules\/ines_device\/js\/ines_device.js"}],"gigya":[{"src":"https:\/\/web.archive.org\/web\/20161029062215\/http:\/\/webservices.sub2tech.com\/CodeBase\/LIVE\/Min\/sub2.js?LICENSEKEY=a62ebd59-8802-4b7d-88d8-a93988f7e9ab\u0026trackPage=Y","id":"sub2tech"}],"sub2tech":[{"src":"https:\/\/web.archive.org\/web\/20161029062215\/http:\/\/www.independent.co.uk\/profiles\/ines\/modules\/ines_gigya\/js\/gigya.ui.js"}]}}}); //--><!]]> </script> <!-- POST HEAD INLINE --> </head> <body class="not-front section section-money"> <!-- PAGE TOP --> <!-- PAGE --> <header id="masthead"> <a href="/web/20161029062215/http://www.independent.co.uk/" title="Home"> <span class="logo"></span> </a> <ul id="dynamic-header"> <a href="/web/20161029062215/http://www.independent.co.uk/" title="Home"> <li class="logotype active"> <span class="logo-full"></span> </li> </a> <li class="push"> <div id="fb-root"></div> <div class="fb-like" data-href="https://www.facebook.com/TheIndependentOnline?fref=ts" data-layout="button_count" data-action="like" data-show-faces="false" data-share="false"></div> <a class="twitter-follow-button" href="https://web.archive.org/web/20161029062215/https://twitter.com/TheIndyMoney" data-show-screen-name="false" data-show-count="false"></a> </li> </ul> <nav> <ol><li><a href="/web/20161029062215/http://www.independent.co.uk/us" title="">News</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/topic/us-election-2016" title="">Election 2016</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world/americas" title="">Americas</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/uk" title="">UK</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world" title="">World</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world/europe" title="">Europe</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/business" title="">Business</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices" title="">Voices</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/voices/comment" title="">Comment</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/robert-fisk" title="">Robert Fisk</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/robert-fisk" title="">Mark Steel</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/grace-dent" title="">Grace Dent</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/holly-baxter" title="">Holly Baxter</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/campaigns" title="">Campaigns</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/editorials" title="">Editorials</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/letters" title="">Letters</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/us-sport" title="">Sports</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/sport/us-sport" title="">US sports</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/football" title="">Soccer</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/tennis" title="">Tennis</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/general/boxing" title="">Boxing</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/motor-racing" title="">Formula 1</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/general/wwe-mma-wrestling" title="">WWE</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment" title="">Culture</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/films" title="">Film</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/tv" title="">TV</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/music" title="">Music</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/books" title="">Books</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style" title="">Lifestyle</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/fashion" title="">Fashion</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/food-and-drink" title="">Food + drink</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/travel" title="">Travel</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/health-and-families" title="">Health + families</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/love-sex" title="">Love + sex</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech" title="">Tech</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/gaming" title="">Gaming</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/features" title="">Tech culture</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/news" title="">Tech news</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world/americas/us-elections" title="">US election</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/marketing/apps" title="">Daily Edition</a><ul><li><a href="https://web.archive.org/web/20161029062215/http://www.independentsubscriptions.co.uk/" title="">Subscribe for a free trial</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://edition.independent.co.uk/" title="">Read Now</a></li> </ul></li> </ol> </nav> <ol id="meta-nav"> <li class="search"> <a href="#" class="icon-search dropdown-toggle" title="Search"></a> <form class="search-form search search" action="/web/20161029062215/http://www.independent.co.uk/money" method="post" id="search-form" accept-charset="UTF-8"><div><div class="container-inline search-container search-container form-wrapper" id="edit-basic"><div class="form-item form-type-textfield form-item-keys"> <label for="edit-keys"> </label> <input placeholder="Search" autofocus="1" type="text" id="edit-keys" name="keys" value="" size="20" maxlength="255" class="form-text"/> </div> <input type="submit" id="edit-submit" name="op" value="Search" class="form-submit"/><input type="hidden" name="get" value="[]"/> </div><input type="hidden" name="form_build_id" value="form--jNaqaizZMCXZZXMPkC7ugSSTbdPxiGIOf2GyRdvM1w"/> <input type="hidden" name="form_id" value="apachesolr_search_custom_page_search_form"/> </div></form> </li> <li class="edition"> <a href="javascript:void(0)" class="icon-us dropdown-toggle" title="Edition"></a> <ul class="dropdown-menu"> <li> <a href="javascript:void(0)" data-edition="UK">UK Edition </a> </li> <li> <a href="javascript:void(0)" data-edition="US">US Edition <span class="icon-check"></span></a> </li> </ul> </li> <li class="account"> <a href="#" class="icon-user dropdown-toggle" title="Account"></a> <ul class="dropdown-menu"><li><a href="/web/20161029062215/http://www.independent.co.uk/login">Sign in</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/register">Register</a></li> <li><a href="https://web.archive.org/web/20161029062215/https://www.independentsubscriptions.co.uk/" title="">Subscriptions</a></li> </ul> </li> <li class="toggle-menu"> <a href="#" class="icon-menu" title="Toggle menu"></a> </li> </ol> <div id="menu"> <form class="search-form search search" action="/web/20161029062215/http://www.independent.co.uk/money" method="post" id="search-form" accept-charset="UTF-8"><div><div class="container-inline search-container search-container form-wrapper" id="edit-basic"><div class="form-item form-type-textfield form-item-keys"> <label for="edit-keys"> </label> <input placeholder="Search" autofocus="1" type="text" id="edit-keys" name="keys" value="" size="20" maxlength="255" class="form-text"/> </div> <input type="submit" id="edit-submit" name="op" value="Search" class="form-submit"/><input type="hidden" name="get" value="[]"/> </div><input type="hidden" name="form_build_id" value="form--jNaqaizZMCXZZXMPkC7ugSSTbdPxiGIOf2GyRdvM1w"/> <input type="hidden" name="form_id" value="apachesolr_search_custom_page_search_form"/> </div></form> <ul class="topics"><li><a href="/web/20161029062215/http://www.independent.co.uk/us" title="">News</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/topic/us-election-2016" title="">Election 2016</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world" title="">World</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world/americas" title="">US</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/uk" title="">UK</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/world/europe" title="">Europe</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/people" title="">People</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/science" title="">Science</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/health-and-families/health-news" title="">Health</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/news/business" title="">Business</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices" title="">Voices</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/voices/comment" title="">Comment</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/robert-fisk" title="">Robert Fisk</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/mark-steel" title="">Mark Steel</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/grace-dent" title="">Grace Dent</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/author/holly-baxter" title="">Holly Baxter</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/campaigns" title="">Campaigns</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/editorials" title="">Editorials</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/voices/letters/letters-9626866.html" title="">Letters</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport" title="">Sports</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/sport/us-sport" title="">US sports</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/football" title="">Soccer</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/cricket" title="">Cricket</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/tennis" title="">Tennis</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/general/boxing" title="">Boxing</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/sport/motor-racing" title="">Formula 1</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment" title="">Culture</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/books" title="">Books</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/films" title="">Film</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/tv" title="">TV</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/music" title="">Music</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/art" title="">Art</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/theatre-dance" title="">Theatre & Dance</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/arts-entertainment/comedy" title="">Comedy</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style" title="">Lifestyle</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/food-and-drink" title="">Food & drink</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/health-and-families" title="">Health & families</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/love-sex" title="">Love & sex</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/motoring" title="">Motoring</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/student" title="">Student</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/travel" title="">Travel</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/fashion" title="">Fashion</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech" title="">Tech</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/gaming" title="">Gaming</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/features" title="">Tech culture</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/life-style/gadgets-and-tech/news" title="">Tech news</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/video" title="">Video</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/video/Explainers" title="">Explainer videos</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/video/News" title="">News videos</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/video/People-and-culture" title="">People & culture videos</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/video/Sport" title="">Sport videos</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest" title="">IndyBest</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/fashion-beauty" title="">Fashion & Beauty</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/house-garden" title="">Homes & Design</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/food-drink" title="">Food & Drink</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/gadgets-tech" title="">Gadgets & Tech</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/outdoor-activity" title="">Outdoor & Activity</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/arts-books" title="">Arts & Books</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras/indybest/travel" title="">Travel</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/money" title="" class="active-trail active">Money</a><ul><li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/money/health-insurance?icn=axa_nav" title="">Health insurance</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/money/investments/" title="">Investments</a></li> </ul></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/extras" title="">Extras</a><ul><li><a href="/web/20161029062215/http://www.independent.co.uk/independentbooks" title="">The Independent Books</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://puzzles.independent.co.uk/" title="">Puzzles</a></li> <li><a href="https://web.archive.org/web/20161029062215/https://www.indy100.com/" title="">indy100</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/marketing/apps" title="">Apps</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/ebooks" title="">Ebooks</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://ijobs.independent.co.uk/" title="">iJobs</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://dating.independent.co.uk/" title="">Dating</a></li> </ul></li> </ul> <ul class="follow"> <li>Follow us:</li> <li> <a href="https://web.archive.org/web/20161029062215/https://www.facebook.com/TheIndependentOnline" target="_blank" title="Facebook" class="icon-facebook"></a> </li> <li> <a href="https://web.archive.org/web/20161029062215/https://twitter.com/independent" target="_blank" title="Twitter" class="icon-twitter"></a> </li> </ul> </div> </header> <div id="content"> <div class="region region-header"> <div class="ad-leaderboard"> <div id="leaderboard" style="margin: 0 auto 40px;"></div> </div> </div> <div id="cookie-warning"> <a href="#" class="close icon-close" title="OK"></a> <p>We use cookies to enhance your visit to our site and to bring you advertisements that might interest you. Read our <a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/service/privacy-policy-a6184181.html">Privacy</a> and <a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/service/cookie-policy-a6184186.html">Cookie</a> Policies to find out more.</p> </div> <div class="tabs"></div> <div class="region region-content"> <div class="term-listing-heading"> <header class="section-title "> <h1 class="box-title"> <span class="title">Money</span> <span class="slogan"></span> </h1> </header> <div class="content"> <div class="row" data-tb-region="row-1"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text full-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/100m-energy-bill-debt-as-temperatures-plummet-a7369366.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161029062215im_/https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2014/04/13/17/trending-Gothenburg.jpg');"> <a href="/web/20161029062215/http://www.independent.co.uk/money/100m-energy-bill-debt-as-temperatures-plummet-a7369366.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/100m-energy-bill-debt-as-temperatures-plummet-a7369366.html"><span class="media-prefix "></span>£100m energy bill debt as temperatures plummet</a></h1> <div class="lead"> <p>Autumn is only just starting to close in, but UK households start the cold weather period <em>already </em>owing £100m in electricity and gas bills.</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161029062215im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/03/17/08/Paul-Daniels-5.jpg');"> <a href="/web/20161029062215/http://www.independent.co.uk/money/blended-families-face-growing-inheritance-nightmare-a7369041.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/blended-families-face-growing-inheritance-nightmare-a7369041.html"><span class="media-prefix "></span>Blended families face growing inheritance nightmare</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161029062215im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/09/30/16/osborne-eu-ref.jpg');"> <a href="/web/20161029062215/http://www.independent.co.uk/money/seeing-sense-government-announces-u-turn-over-pensions-sales-a7369201.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/seeing-sense-government-announces-u-turn-over-pensions-sales-a7369201.html"><span class="media-prefix "></span>Seeing sense: Government announces u-turn over pensions sales </a></h1> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu0" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-2"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/news/business/news/inflation-rise-uk-september-latest-brexit-price-rises-a7367051.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/10/18/09/cpi-inflation.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/inflation-rise-uk-september-latest-brexit-price-rises-a7367051.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/inflation-rise-uk-september-latest-brexit-price-rises-a7367051.html"><span class="media-prefix "></span>UK inflation rises to 1% in September</a></h1> <div class="lead"> <p>The UK consumer price index jumped to 1 per cent - the highest inflation rate since November 2014</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/02/13/11/Credit-card-online.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/news/survival-guide-to-balance-transfers-a7358241.html"></a> </div> </div> <div class="content"> <div class="capsules"> <ul> <li class="sponsored"> <span class="label">Sponsored</span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/survival-guide-to-balance-transfers-a7358241.html"><span class="media-prefix "></span>Survival guide to balance transfers</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/09/27/15/airport-walk-1.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/airport-security-could-add-500-to-the-cost-of-your-holiday-a7357531.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/airport-security-could-add-500-to-the-cost-of-your-holiday-a7357531.html"><span class="media-prefix "></span>Airport security could add £500 to the cost of your holiday</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/pressure-mounts-to-cap-overdraft-charges-a7357396.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/06/09/14/debt-istock.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/pressure-mounts-to-cap-overdraft-charges-a7357396.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/pressure-mounts-to-cap-overdraft-charges-a7357396.html"><span class="media-prefix "></span>Pressure mounts to cap overdraft charges</a></h1> <div class="lead"> <p>MPs and debt charities renew calls for regulator to act on eye-watering unauthorised borrowing costs as 1.7m people struggle to escape the cycle of debt</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/lying-for-lending-families-hide-the-truth-to-secure-mortgages-a7357021.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/05/03/15/pp-bank-parents-loans-mortgages-pa.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/lying-for-lending-families-hide-the-truth-to-secure-mortgages-a7357021.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/lying-for-lending-families-hide-the-truth-to-secure-mortgages-a7357021.html"><span class="media-prefix "></span>Lying for lending: families hide the truth to secure mortgages</a></h1> <div class="lead"> <p>Parents who fail to mention childcare costs in mortgage applications risk losing their home, warns <strong>Felicity Hannah</strong>. </p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-3"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu4" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/80s-baby-youll-always-fall-behind-on-your-finances-a7346186.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2015/09/13/15/children-1980s-TV-hulton.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/80s-baby-youll-always-fall-behind-on-your-finances-a7346186.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/80s-baby-youll-always-fall-behind-on-your-finances-a7346186.html"><span class="media-prefix "></span>Eighties baby? You’ll always fall behind on your finances</a></h1> <div class="lead"> <p>30-somethings have half as much wealth as those born just 10 years earlier. And their prospects won’t ever recover, research warns</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/growing-old-disgracefully-why-longer-life-is-ruining-your-wealth-a7345941.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2013/04/10/22/pg-25-ageing-getty-c.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/growing-old-disgracefully-why-longer-life-is-ruining-your-wealth-a7345941.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/growing-old-disgracefully-why-longer-life-is-ruining-your-wealth-a7345941.html"><span class="media-prefix "></span>Growing old disgracefully: why longer life is ruining your wealth</a></h1> <div class="lead"> <p>The ageing population warnings are coming home to roost, but our finances are still years behind</p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu3" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-4"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/top-10-ways-to-beat-the-winter-fuel-hike-a7345576.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/07/15/18/gas-gettyimages-185044026.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/top-10-ways-to-beat-the-winter-fuel-hike-a7345576.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/top-10-ways-to-beat-the-winter-fuel-hike-a7345576.html"><span class="media-prefix "></span>Top 10 ways to beat the winter fuel hike</a></h1> <div class="lead"> <p>Winter is coming - but you don't need to pay through the nose to keep the home fires burning.</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/news/business/news/mastercard-app-selfie-payment-online-shopping-a7344486.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/10/04/13/uk-gallery-pix-09.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/mastercard-app-selfie-payment-online-shopping-a7344486.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/mastercard-app-selfie-payment-online-shopping-a7344486.html"><span class="media-prefix "></span>Mastercard app lets online shoppers pay with a selfie</a></h1> <div class="lead"> <p>MasterCard is launching its Identity Check Mobile technology in 12 countries</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/10/04/11/housing-gloomy.gif"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/uk-housing-shortage-rental-homes-18-million-a7344176.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/uk-housing-shortage-rental-homes-18-million-a7344176.html"><span class="media-prefix "></span>UK faces 'critical' shortage of homes for rent</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="3-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/04/22/16/errolflynn-robinhood.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/modern-day-robin-hood-alive-well-and-living-in-nottingham-obviously-a7334606.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/modern-day-robin-hood-alive-well-and-living-in-nottingham-obviously-a7334606.html"><span class="media-prefix "></span>Modern day Robin Hood alive, well and living in... Nottingham</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/friends-before-food-why-technology-is-more-important-than-groceries-for-the-cash-strapped-a7335366.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/09/13/11/iphone7plus.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/friends-before-food-why-technology-is-more-important-than-groceries-for-the-cash-strapped-a7335366.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/friends-before-food-why-technology-is-more-important-than-groceries-for-the-cash-strapped-a7335366.html"><span class="media-prefix "></span>Friends before food</a></h1> <div class="lead"> <p>Too much month at the end of your money? You're more likely to cut back on food than your mobile or internet to make ends meet. But could it be a more sensible decision than it seems?</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-5"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu1" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/consciously-uncoupling-the-cash-a7334776.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2014/10/01/19/Divorce-Getty.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/consciously-uncoupling-the-cash-a7334776.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/consciously-uncoupling-the-cash-a7334776.html"><span class="media-prefix "></span>Consciously uncoupling the cash</a></h1> <div class="lead"> <p>We shed light on the murky reality of sharing debt with your ex</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/worlds-wealthiest-countries-switzerland-financial-assets-allianz-richest-world-country-usa-uk-a7327741.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/09/24/15/money-world.jpg"> <span class="icon-play large"></span> <a href="/web/20161029062215/http://www.independent.co.uk/money/worlds-wealthiest-countries-switzerland-financial-assets-allianz-richest-world-country-usa-uk-a7327741.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/worlds-wealthiest-countries-switzerland-financial-assets-allianz-richest-world-country-usa-uk-a7327741.html">The world's wealthiest countries</a></h1> <div class="lead"> <p>'The Euro crisis has left its mark on the savings of private households, especially in Italy,' says economist Kathrin Brandmeir</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-6"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/spend-save/beginner-s-guide-to-student-accounts-a7298091.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/09/04/18/university-freshers.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/beginner-s-guide-to-student-accounts-a7298091.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="1"> <ul> <li class="description sponsored"> <span class="label">Sponsored</span> </li> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/beginner-s-guide-to-student-accounts-a7298091.html"><span class="media-prefix "></span>Beginner’s guide to student accounts</a></h1> <div class="lead"> <p>All packed and ready to set off for uni? Student loan burning a hole in your pocket? Read this first</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/07/17/22/IN68337991955--The-gang-of-.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/death-of-the-savings-account-a7320026.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/death-of-the-savings-account-a7320026.html"><span class="media-prefix "></span>Is the savings account dead?</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2014/07/13/19/21let-rex.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/the-tenants-paying-the-price-so-landlords-don-t-have-to-a7320206.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/spend-save/the-tenants-paying-the-price-so-landlords-don-t-have-to-a7320206.html"><span class="media-prefix "></span>The tenants paying the price so landlords don’t have to</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/one-in-ten-credit-card-users-fall-victim-to-fraudsters-a7316776.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2012/04/19/21/18-muggings-rex.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/one-in-ten-credit-card-users-fall-victim-to-fraudsters-a7316776.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/one-in-ten-credit-card-users-fall-victim-to-fraudsters-a7316776.html"><span class="media-prefix "></span>One in ten credit card users fall victim to fraudsters</a></h1> <div class="lead"> <p>More than four million people were forced to cancel credit or debit cards after falling victim to fraud in the last year, making you more likely to be mugged online than in the street.</p> <p> </p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-7"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/7-ways-to-save-700-a-year-on-food-a7297076.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/06/16/23/web-food-waste-getty.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/7-ways-to-save-700-a-year-on-food-a7297076.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/7-ways-to-save-700-a-year-on-food-a7297076.html"><span class="media-prefix "></span>7 ways to save £700 a year on food</a></h1> <div class="lead"> <p>As a nation we throw away far too much food. Not only is it wasteful and bad for the environment, it’s expensive too. Here are seven ways you can save food and money</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/10/10/20/4-right-to-rent-get.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/rollercoaster-rental-market-points-to-landlord-uncertainty-a7295671.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/rollercoaster-rental-market-points-to-landlord-uncertainty-a7295671.html"><span class="media-prefix "></span>Rollercoaster rental market points to landlord uncertainty</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/07/03/15/swiss.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/news/world/europe/switzerland-swiss-banks-negative-interest-rates-hoarding-cash-a7235816.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/world/europe/switzerland-swiss-banks-negative-interest-rates-hoarding-cash-a7235816.html"><span class="media-prefix "></span>Swiss savers are storing cash in jars to tackle negative interest rate</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/job-scams-fleece-students-and-new-graduates-out-of-1000s-a7229716.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/08/29/17/london-bridge.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/job-scams-fleece-students-and-new-graduates-out-of-1000s-a7229716.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/job-scams-fleece-students-and-new-graduates-out-of-1000s-a7229716.html"><span class="media-prefix "></span>Job scams fleece students and new graduates out of £1,000s</a></h1> <div class="lead"> <p>As the new term starts, graduates knuckle down to applying for their first full-time job and students search for a way to cover their university costs, fraudsters are out to steal their limited funds</p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu2" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-8"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot parter-slot-1"> <div id="partner1"> </div> </div> <div class="es-partners-slot parter-slot-2"> <div id="partner2"> </div> </div> <div class="es-partners-slot parter-slot-3"> <div id="partner3"> </div> </div> <div class="es-partners-slot parter-slot-4"> <div id="partner4"> </div> </div> <div class="es-partners-slot parter-slot-5"> <div id="partner5"> </div> </div> </div> </article></div><div class="row" data-tb-region="row-9"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/the-great-credit-card-scandal-continues-a7229631.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2010/11/28/15/505430.bin"> <a href="/web/20161029062215/http://www.independent.co.uk/money/the-great-credit-card-scandal-continues-a7229631.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/the-great-credit-card-scandal-continues-a7229631.html"><span class="media-prefix "></span>The great credit card scandal continues</a></h1> <div class="lead"> <p>New figures show average credit card interest rates are rising - soaring in some cases - despite the record low Bank of England base rate</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2013/11/30/19/70-Real-Estate-PA.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/how-speculation-shaped-the-housing-market-a7229551.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/how-speculation-shaped-the-housing-market-a7229551.html"><span class="media-prefix "></span>How speculation shaped the housing market</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/06/24/08/pounds.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/payday-loan-complaints-triple-ppi-financial-ombudsman-service-lloyds-bank-of-scotland-a7228896.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/payday-loan-complaints-triple-ppi-financial-ombudsman-service-lloyds-bank-of-scotland-a7228896.html"><span class="media-prefix "></span>Payday loan complaints triple but PPI still dominates grievances</a></h1> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/survival-guide-to-overdrafts-a7217791.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2013/07/26/15/9027029071_cd951d5299_b.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/survival-guide-to-overdrafts-a7217791.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="1"> <ul> <li class="description sponsored"> <span class="label">Sponsored</span> </li> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/survival-guide-to-overdrafts-a7217791.html"><span class="media-prefix "></span>Survival guide to overdrafts</a></h1> <div class="lead"> <p>In an ideal world an overdraft is something you’d only use for short-term borrowing. It’s a cushion for when your pay cheque is late or it’s an emergency pot of cash for when there’s a sudden expense that’s not been budgeted for. For everyone else – more than one in ten Brits 'live' in their overdraft – it's an expensive way to conduct their financial affairs. But whether you’re occasionally dipping into minus figures or you’re permanently in the red, having the right account can make a big difference. Here's what you need to know.</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-10"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot parter-slot-1"> <div id="partner6"> </div> </div> <div class="es-partners-slot parter-slot-2"> <div id="partner7"> </div> </div> <div class="es-partners-slot parter-slot-3"> <div id="partner8"> </div> </div> <div class="es-partners-slot parter-slot-4"> <div id="partner9"> </div> </div> <div class="es-partners-slot parter-slot-5"> <div id="partner10"> </div> </div> </div> </article></div><div class="row" data-tb-region="row-11"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/is-everything-we-know-about-the-property-market-wrong-a7217756.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/12/07/18/2-monopoly-houses-get.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/is-everything-we-know-about-the-property-market-wrong-a7217756.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/is-everything-we-know-about-the-property-market-wrong-a7217756.html"><span class="media-prefix "></span>Is everything we know about the property market wrong?</a></h1> <div class="lead"> <p>Post-Brexit chaos? Priced–out first-time buyers? The latest round of stats suggest we might need to revise what we think we know about the property market.</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-list no-title"> <ul class="simple-news-list"> <li class="story" data-tb-region-item="2-1"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/house-prices-rise-august-crash-brexit-uk-economy-a7217816.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161029062215/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2016/08/31/12/housing-market.gif"/> </div> <h2>House prices rise in August but falls looming, warn economists</h2> </a> </li> <li class="story" data-tb-region-item="2-2"> <a href="/web/20161029062215/http://www.independent.co.uk/money/government-plans-500-incentive-for-valuable-pensions-advice-a7217926.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161029062215/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2016/03/17/00/Pensions.jpg"/> </div> <h2>Government plans £500 incentive for valuable pensions advice</h2> </a> </li> <li class="story" data-tb-region-item="2-3"> <a href="/web/20161029062215/http://www.independent.co.uk/money/banks-use-base-rate-drop-to-mask-far-larger-cuts-to-savings-products-a7217731.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161029062215/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2015/11/30/21/48-bank-england-get.jpg"/> </div> <h2>Banks use base rate drop to mask far larger cuts to savings products</h2> </a> </li> <li class="story" data-tb-region-item="2-4"> <a href="/web/20161029062215/http://www.independent.co.uk/news/business/news/brexit-latest-new-mortgage-lending-figures-point-to-post-referendum-house-price-hit-a7216106.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161029062215/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2016/07/23/14/first-home-getty.jpg"/> </div> <h2>New mortgage lending figures point to post-referendum house price hit</h2> </a> </li> <li class="story" data-tb-region-item="2-5"> <a href="/web/20161029062215/http://www.independent.co.uk/money/the-painful-cost-of-a-free-education-a7207176.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161029062215/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2016/03/28/10/classroom.jpg"/> </div> <h2>The painful cost of a free education</h2> </a> </li> </ul> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/survival-guide-to-cashback-credit-cards-a7207216.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/07/07/18/shopping-oxford-street.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/survival-guide-to-cashback-credit-cards-a7207216.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="1"> <ul> <li class="description sponsored"> <span class="label">Sponsored</span> </li> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/survival-guide-to-cashback-credit-cards-a7207216.html"><span class="media-prefix "></span>Survival guide to cashback credit cards</a></h1> <div class="lead"> <p>Want to earn money while you shop? Here’s how</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-12"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/the-truth-about-investing-for-children-a7207131.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/07/23/14/first-home-getty.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/the-truth-about-investing-for-children-a7207131.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/the-truth-about-investing-for-children-a7207131.html"><span class="media-prefix "></span>The truth about investing for children</a></h1> <div class="lead"> <p>Debunking the myths around children’s savings and investments could make all the difference for your kids' futures.</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161029062215oe_/http://www.independent.co.uk/money/loans-credit/payday-lenders-trapping-people-with-loans-they-cant-afford-a7214166.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/06/01/12/cash-istock.jpg"> <a href="/web/20161029062215/http://www.independent.co.uk/money/loans-credit/payday-lenders-trapping-people-with-loans-they-cant-afford-a7214166.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161029062215/http://www.independent.co.uk/money/loans-credit/payday-lenders-trapping-people-with-loans-they-cant-afford-a7214166.html"><span class="media-prefix "></span>Payday lenders trapping people with loans they can't afford</a></h1> <div class="lead"> <p>One man had been granted a payday loan despite suffering from depression and alcoholism, having no permanent address, being previously declared bankrupt and having only benefit income</p> </div> </div> </div> </article></div> </div> </div> </div> </div> <footer id="mastfooter" tynt-data="no-content"> <div class="stamp"></div> <ul class="follow"> <li>Follow us:</li> <li> <a href="https://web.archive.org/web/20161029062215/https://www.facebook.com/TheIndependentOnline" target="_blank" title="Facebook" class="icon-facebook"></a> </li> <li> <a href="https://web.archive.org/web/20161029062215/https://twitter.com/independent" target="_blank" title="Twitter" class="icon-twitter"></a> </li> </ul> <ul class="links"><li><a href="/web/20161029062215/http://www.independent.co.uk/service/user-policies-a6184151.html" title="">User Policies</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/service/privacy-policy-a6184181.html" title="">Privacy Policy</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/service/cookie-policy-a6184186.html" title="">Cookie Policy</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/service/code-of-conduct-a6184241.html" title="">Code of Conduct</a></li> <li><a href="https://web.archive.org/web/20161029062215/https://independentnews.zendesk.com/hc/en-us/requests/new" title="">Complaint Form</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/service/contact-us-759589.html" title="">Contact Us</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/service/external-contributors-policy-7905982.html" title="">Contributors</a></li> <li><a href="/web/20161029062215/http://www.independent.co.uk/topics-list" title="">All Topics</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/archive" title="">Archive</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/register" title="">Newsletters</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://independentjobs.independent.co.uk/" title="">Jobs</a></li> <li><a href="https://web.archive.org/web/20161029062215/https://www.independentsubscriptions.co.uk/" title="">Subscriptions</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://esimedia.co.uk/" title="">Advertising Guide</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://syndication.independent.co.uk/" title="">Syndication</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.standard.co.uk/" title="">Evening Standard</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://en.novayagazeta.ru/" title="">Novaya Gazeta</a></li> <li><a href="https://web.archive.org/web/20161029062215/http://www.independent.co.uk/marketing/apps/" title="">Install our Apps</a></li> </ul> </footer> <div id="outofpageslot"> </div> <div id="teadsib"> </div> <div id="znaptag" tynt-data="no-content"> </div> <div id="thirdparty01"> </div> </div> <!-- PRE FOOTER INLINE --> <script>(function(i,s,o,g,r,a,m){i["GoogleAnalyticsObject"]=r;i[r]=i[r]||function(){(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)})(window,document,"script","//web.archive.org/web/20161029062215/http://www.google-analytics.com/analytics.js","ga");ga("create", "UA-27212627-1", {"cookieDomain":"auto"});ga("set", "anonymizeIp", true);ga("send", "pageview"); ; </script> <!-- PAGE BOTTOM --> <div class="region region-page-bottom"> <!-- SiteCatalyst code version: h.27.5. Copyright 1996-2016 Adobe, Inc. --> <script type="text/javascript" src="//web.archive.org/web/20161029062215js_/http://www.independent.co.uk/sites/all/libraries/sitecatalyst/ind_am_code.js?ofqau1"></script> <script type="text/javascript"><!-- s.hier1="money"; s.channel="money"; s.prop1=""; s.prop2=""; s.prop8="Money Frontpage"; s.pageName="money\/home"; s.prop18="New Site"; s.prop6=""; s.prop7=""; s.server="www.independent.co.uk"; /************* DO NOT ALTER ANYTHING BELOW THIS LINE ! **************/ var s_code=s.t();if(s_code)document.write(s_code)//--></script> <script type="text/javascript"><!-- if(navigator.appVersion.indexOf('MSIE')>=0)document.write(unescape('%3C')+'\!-'+'-') //--></script> <noscript><img src="https://web.archive.org/web/20161029062215im_/http://independent.122.2o7.net/b/ss/indepdev/1/H.27.5--NS/0?[AQB]&cdp=3&[AQE]/3343151" height="1" width="1" alt=""></noscript> <!--/DO NOT REMOVE/--> <!-- End SiteCatalyst code version: h.27.5. --> <div class="adblock-modal adblock" style="display: none;"> <aside class="adblock-notice"> <div class="ctrl"><button class="close" data-action="close">Close</button></div> <h2><span class="logo"></span></h2> <div class="adblock-container main"> <div class="content"> <p><strong>We've noticed that you are using an ad blocker.</strong></p> <p>Advertising helps fund our journalism and keep it truly independent. It helps to build our international editorial team, from war correspondents to investigative reporters, commentators to critics.</p> <div class="content-section"> <p><a data-toggle="instructions" href="javascript:void(0);">Click here to view instructions</a> on how to disable your ad blocker, and help us to keep providing you with free-thinking journalism - for free.</p> <p>Thank you for your support.</p> </div> </div> </div> <div class="adblock-container instructions"> <p><strong>How to disable your ad blocker for <span class="site-url">independent.co.uk</span></strong></p> <h3 class="ad-block-icon"> Adblock / Adblock Plus</h3> <ul> <li>Click the Adblock/Adblock Plus icon, which is to the right of your address bar.</li> <li>On Adblock click "Don't run on pages on this domain".</li> <li>On Adblock Plus click "Enabled on this site" to disable ad blocking for the current website you are on. If you are in Firefox click "disable on <span class="site-url">independent.co.uk</span>".</li> </ul> <h3 class="firefox-icon">Firefox Tracking Protection</h3> <ul> <li>If you are Private Browsing in Firefox, "Tracking Protection" may cause the adblock notice to show. It can be temporarily disabled by clicking the "shield" icon in the address bar.</li> </ul> <h3 class="ghostery-icon">Ghostery</h3> <ul> <li>Click the Ghostery icon.</li> <li>In versions before 6.0 click "whitelist site".</li> <li>In version 6.0 click "trust site" or add <span class="site-url">independent.co.uk</span> to your Trusted Site list.</li> <li>In versions before 6.0 you will see the message "Site is whitelisted".</li> <li>Click "reload the page to see your changes".</li> </ul> <h3 class="ublock-icon">uBlock</h3> <ul> <li>Click the uBlock icon.</li> <li>Then click the big power button to whitelist the current web site, and its state will be remembered next time you visit the web site.</li> <li>Then reload the page.</li> </ul> </div> </aside> </div> <div class="adblock-modal adblock-confirm" style="display: none;"> <aside class="adblock-notice"> <div class="ctrl"><button class="close" data-action="close">Close</button></div> <h2><span class="logo"></span></h2> <div class="adblock-container main"> <div class="content"> <p>Thank you for supporting <span class="site-url">independent.co.uk</span></p> </div> <button data-action="close">Continue to our site</button> </div> </aside> </div> </div> <!-- POST FOOTER INLINE --> <script>window.jQuery || document.write("<script src='/sites/all/modules/contrib/jquery_update/replace/jquery/2.1/jquery.min.js'>\x3C/script>") ; document.createElement( "picture" ); ; //Add js: Temp inskin grid recalculate patch jQuery(function(){ function show_inskin(){ Drupal.behaviors.grid.recalculate(); window.setTimeout( show_inskin, 1000 ); }; window.setTimeout( show_inskin, 1000 ); }); ; //Add js: jQuery Alias var $ = jQuery; ; //Add js: Check for Iframed pages (function () { var topParent = window.top.location.href, parent = window.parent.location.href, combi = topParent + " - " + parent; if (topParent != parent) { console.log(combi); ga('send', 'event', 'iFramer', combi); } })(); ; //Add js: PageFair AdBlock Detection (function() { function async_load(script_url){ var protocol = ('https:' == document.location.protocol ? 'https://' : 'http://'); var s = document.createElement('script'); s.src = protocol + script_url; var x = document.getElementsByTagName('script')[0]; x.parentNode.insertBefore(s, x); } bm_website_code = '50DD925A1FA64A66'; jQuery(document).ready(function(){async_load('asset.pagefair.com/measure.min.js')}); jQuery(document).ready(function(){async_load('asset.pagefair.net/ads.min.js')}); })(); ; jQuery.extend(Drupal.settings, { "themeName": "independent_theme" }); ; jQuery.extend(Drupal.settings, { "s_account": "indepdev" }); ; (function() { function loadChartbeat() { window._sf_endpt = (new Date()).getTime(); var e = document.createElement('script'); e.setAttribute('language', 'javascript'); e.setAttribute('type', 'text/javascript'); e.setAttribute('src', '//web.archive.org/web/20161029062215/http://static.chartbeat.com/js/chartbeat_mab.js'); document.body.appendChild(e); var e = document.createElement('script'); e.setAttribute('language', 'javascript'); e.setAttribute('type', 'text/javascript'); e.setAttribute('src', '//web.archive.org/web/20161029062215/http://static.chartbeat.com/js/chartbeat.js'); document.body.appendChild(e); } var oldonload = window.onload; window.onload = (typeof window.onload != 'function') ? loadChartbeat : function() { oldonload(); loadChartbeat(); }; })(); ; (function($) { var test = document.createElement('div'); test.innerHTML = ' '; test.className = 'adsbox'; function detectOnload(){ document.body.appendChild(test); if (test.offsetHeight === 0) { document.body.classList.add('adblock'); $('body').trigger('AdblockDetected'); // add GA Events if defined if(typeof ga !== 'undefined'){ ga('send', 'event', 'Adblock', 'Blocked', location.href); } } else { $('body').trigger('AdblockNotDetected'); // add GA Events if defined if(typeof ga !== 'undefined'){ ga('send', 'event', 'Adblock', 'Unblocked', location.href); } // Old var should be depricat4d but used elsewhere window.runAds = true; } test.remove(); } var oldonload = window.onload; window.onload = (typeof window.onload != 'function') ? detectOnload : function() { oldonload(); detectOnload(); }; }) (jQuery); ; (function($) { $('body').on('AdblockDetected', function() { // check for mobile with helper if (typeof window.helper.isMobile !== 'undefined' && !window.helper.isMobile.any()){ var adblock_cookie = window.helper.getCookie('adblock_detected'); if (adblock_cookie !== 'ignored'){ $('.adblock.adblock-modal').css('display', 'block').appendTo('body'); window.helper.createCookie('adblock_detected', 'detected', 1); $('.adblock-modal [data-action="close"]').click(function(e){ window.helper.createCookie('adblock_detected', 'ignored', 30); $('.adblock-modal').remove(); }); $( window ).resize(function() { var height = $(window).height(); var container = $('.adblock-modal .adblock-container').filter(':visible'); container.height('auto'); container.css('overflow-y', ''); if (container.height() > $(window).height() - 190){ container.height($(window).height() - 190); container.css('overflow-y', 'scroll'); } }); $(window).trigger('resize'); } } }); }) (jQuery); ; (function($) { $('body').on('AdblockNotDetected', function() { var adblock_cookie = window.helper.getCookie('adblock_detected'); if (adblock_cookie) { $('.adblock-confirm.adblock-modal').css('display', 'block').appendTo('body'); window.helper.deleteCookie('adblock_detected'); if(typeof ga !== 'undefined'){ ga('send', 'event', 'AdblockDisabled', 'Disabled', location.href); } $('.adblock-modal [data-action="close"]').click(function(e){ $('.adblock-modal').remove(); }); }; }); }) (jQuery); ; var openXSettings = {"networkcode":"71347885-independent","publisher":"esimedia"}; ; window.__gigyaConf = {sessionExpiration: -2,} ; window._taboola = window._taboola || []; _taboola.push({category:"auto"}); !function (e, f, u) { e.async = 1; e.src = u; f.parentNode.insertBefore(e, f); }(document.createElement("script"), document.getElementsByTagName("script")[0], "//web.archive.org/web/20161029062215/http://cdn.taboola.com/libtrc/eslmedia-theindependent/loader.js"); ; window._taboola = window._taboola || []; _taboola.push({flush: true}); ; ga('send', 'event', 'Replatform', 'pageview', location.href); ; ga('send', 'event', 'Page Type', pageType, location.href); ; (function(){var a=document,b=a.createElement("script"),a=a.getElementsByTagName("script")[0];b.type="text/javascript";b.async=!0;b.src="https://web.archive.org/web/20161029062215/https://z.moatads.com/eveningstandard858kBFE49/moatcontent.js";a.parentNode.insertBefore(b,a)})(); ; jQuery(function() { ga('create', 'UA-69936242-1', 'auto', 'combined'); ga('combined.send', 'pageview'); }); </script> <!-- COMSCORE --> <!-- Begin comScore Tag --> <script> var _comscore = _comscore || []; _comscore.push({ c1: "2", c2: "10476312" }); (function() { var s = document.createElement("script"), el = document.getElementsByTagName("script")[0]; s.async = true; s.src = (document.location.protocol == "https:" ? "https://web.archive.org/web/20161029062215/https://sb" : "http://b") + ".scorecardresearch.com/beacon.js"; el.parentNode.insertBefore(s, el); })(); </script> <noscript> <img src="https://web.archive.org/web/20161029062215im_/https://sb.scorecardresearch.com/p?c1=2&c2=10476312&cv=2.0&cj=1"/> </noscript> <!-- End comScore Tag --> <!-- QUBIT --> <div id="overlay"></div> <!-- BEGIN Krux Control Tag for "Independent" --> <!-- Source: /snippet/controltag?confid=I8gY_o93&site=Independent&edit=1 --> <script class="kxct" data-id="I8gY_o93" data-timing="async" data-version="1.9" type="text/javascript"> window.Krux || ((Krux = function() { Krux.q.push(arguments) }).q = []); (function() { var k = document.createElement('script'); k.type = 'text/javascript'; k.async = true; var m, src = (m = location.href.match(/\bkxsrc=([^&]+)/)) && decodeURIComponent(m[1]); k.src = /^https?:\/\/([^\/]+\.)?krxd\.net(:\d{1,5})?\//i.test(src) ? src : src === "disable" ? "" : (location.protocol === "https:" ? "https:" : "http:") + "//web.archive.org/web/20161029062215/http://cdn.krxd.net/controltag?confid=I8gY_o93"; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(k, s); }()); </script> <!-- END Krux Controltag --> <!-- Sherlock Tag --> <script>var js_loaded=false;</script> <script type="text/javascript" src="https://web.archive.org/web/20161029062215js_/https://stag.mdotlabs.com/ads.js"></script> <script src="https://web.archive.org/web/20161029062215js_/https://stag.mdotlabs.com/sherlock.php?clientID=6035250"></script> <!-- End Sherlock Tag --> <!-- Sailthru Horizon --> <script type="text/javascript"> (function() { function loadHorizon() { var s = document.createElement('script'); s.type = 'text/javascript'; s.async = true; s.src = location.protocol + '//web.archive.org/web/20161029062215/http://ak.sail-horizon.com/horizon/v1.js'; var x = document.getElementsByTagName('script')[0]; x.parentNode.insertBefore(s, x); } loadHorizon(); var oldOnLoad = window.onload; window.onload = function() { if (typeof oldOnLoad === 'function') { oldOnLoad(); } Sailthru.setup({ domain: 'horizon.e.independent.co.uk', useStoredTags: false }); }; })(); </script> <!-- End Sailthru Horizon --> <!-- Rakuten Automate starts here --> <script type="text/javascript"> var _auto = { accountKey: "123dd09d16f348e1ef09c3d8851489d6419655b011bf7d35536f97fb052a92f9", u1: "", compatible: true, apiURL: "https://web.archive.org/web/20161029062215/https://popshops.com", snippetURL: "https://web.archive.org/web/20161029062215/https://automate-prod.s3.amazonaws.com/minified_logic.js", widgetKey: "9l9w3eb6tlrxl0jro1inbgusk2d6krwr", aelJS: null, useDefaultAEL: false, loaded: false, events: [] };var ael=window.addEventListener;window.addEventListener=function(a,b,c,d){"click"!==a&&_auto.useDefaultAEL?ael(a,b,c):_auto.events.push({type:a,handler:b,capture:c,rakuten:d})};_auto.links={};var httpRequest=new XMLHttpRequest;httpRequest.open("GET",_auto.snippetURL,!0);httpRequest.timeout=5E3;httpRequest.ontimeout=function(){if(!_auto.loaded){for(i=0;i<_auto.events.length;i++){var a=_auto.events[i];ael(a.type,a.handler,a.capture)}_auto.useDefaultAEL=!0}};httpRequest.onreadystatechange=function(){httpRequest.readyState===XMLHttpRequest.DONE&&200===httpRequest.status&&(eval(httpRequest.responseText),_auto.run(ael))};httpRequest.send(null); </script> <!-- Rakuten Automate ends here --> <!-- Begin BlueKai Tag --> <iframe name="__bkframe" height="0" width="0" frameborder="0" style="display:none;position:absolute;clip:rect(0px 0px 0px 0px)" src="about:blank"></iframe> <script type="text/javascript" src="https://web.archive.org/web/20161029062215js_/http://tags.bkrtx.com/js/bk-coretag.js"></script> <script type="text/javascript"> bk_addPageCtx('money', 'money'); bk_doJSTag(37716, 10); </script> <!-- End BlueKai Tag --> </body> </html> <!-- FILE ARCHIVED ON 06:22:15 Oct 29, 2016 AND RETRIEVED FROM THE INTERNET ARCHIVE ON 03:41:00 Nov 24, 2024. JAVASCRIPT APPENDED BY WAYBACK MACHINE, COPYRIGHT INTERNET ARCHIVE. ALL OTHER CONTENT MAY ALSO BE PROTECTED BY COPYRIGHT (17 U.S.C. SECTION 108(a)(3)). --> <!-- playback timings (ms): captures_list: 1.434 exclusion.robots: 0.025 exclusion.robots.policy: 0.016 esindex: 0.01 cdx.remote: 40.627 LoadShardBlock: 448.097 (6) PetaboxLoader3.datanode: 287.778 (7) PetaboxLoader3.resolve: 736.939 (3) load_resource: 681.029 -->