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

2 MONEYWISE | NOVEMBER 2011

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Leaving Blighty? The grass isn’t always greener

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