INSIDE

November 2011

REGULARS 5 Welcome 15 Savings Watch The best deals on the market this month 16 Fight for Your Rights Got a financial problem? We take up the fight

COLUMNISTS 19 Editor’s letter It’s up to us to sort out our family finances 35 George Pitcher Capitalism’s legacy will be hard to swallow 43 Jeff Prestridge We’ve lost our long-term savings perspective 96 That’s Life with Esther Rantzen We’ll pay through the nose to look younger UPFRONT6YourShout 10 Steal of the Month 14 Housing Market Round-Up SORTED! 26 Money Makeover 30 Your Finances Fixed COMPETITION 28 WIN a two-night Classic Lodge break and Healthy Back Bag 64 WIN £2,000 to invest scam

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Rail fares are on the way up – here are some simple ways to avoid paying through the nose

20 10 ways to bag a cheap train ticket

Rail passengers are footing the bill for ever higher fares, but don’t put up and shut up scam

37 Don’t teach us to suck eggs, Mr Cameron Tackling Britain’s personal debt problem 38 Does it ever pay to take out a payday loan? While short-term loans can provide a financial lifeline, they can spell trouble if you don’t manage them properly

44 10 things you need to know about JISAs Junior ISAs have arrived, filling the gap created by the end scam of the child trust fund. Read our guide on how they work 48 Give to your family, not the taxman Learn how to avoid inheritance tax and ensure your wealth goes to your family, not the Treasury

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Leaving Blighty? The grass isn’t always greener

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The Junior ISA has arrived. Moneywise talks you through all you need to know

Get to grips with your taste for risk and reduce the fear factor when investing scam

51 The lowdown on solar panels Can they really help combat rising electricity bills? 52 Are you planning to quit Britain? Things may not be easy in the UK, but the grass isn’t always greener when you move abroad

56 Rewarding good behaviour How you can lower your insurance premiums work

59 Time to trim your tariff? Get yourself a better mobile phone deal 61 Keep on top of your Christmas spending You don’t want to start the New Year in the red, so start planning your festive budget now scam

67 Buy, Hold, Sell

Dunedin’s Ed Beal shares his top picks 68 The Briefing We take a look at the North America sector 70 The best ways to beat market lows When investing in volatile times, you need to understand your appetite for risk. Take our quiz 74 Keeping a cool head Why ignoring your caveman ‘fight-or-flight’ instincts can help you conquer the stockmarket

79 Public sector pensions Should public sector workers see their pensions slashed? 80 Equity release Some ways of tapping into the capital in your house work better than others

65 Andrew Pitts

We’re footing a £69 billion bill for failure 66 Investment News Top sectors for growing dividend income revealed scam

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85 The best products at your fingertips

Our pick of the top products and investments for consumers and investors

NOVEMBER 2011 | MONEYWISE 3