This means shares held outside an Isa are sold and then immediately repurchased inside your Isa. them.

For example, if you have investments held outside a tax-friendly Isa or pension, consider an arrangement called 'bed and Isa'. Although there are charges involved - including stamp duty - it results in more of your portfolio sitting inside a tax-friendl

LONDON, Dec 16 (Reuters) - Britain and the European Union have made "some progress" in post-Brexit trade talks but there are still significant gaps and the most likely outcome is for negotiations to end in no deal, Prime Minister Boris Johnson's spokesman said on Wednesday.

t.  45 Shop at the wrong time of year  The cheapest time to shop is always just after an event has ended. If you can afford to, stock up on Christmas cards, decorations, and wrapping paper in January, on summer clothes at the beginning of autumn - and buy Valentine's Day cards later this month for use ne

The outpouring of generosity and love is overwhelming, especially from students and staff at my school. I have received so many emails, texts, cards, and 3rd grade addition phone calls wishing me well,' she continued. 'The healing process, as well as other proceedings, will take a long time.' 

Rapist Met police officer David Carrick is being investigated over an alleged sex attack when he was 13 and another five women have come forward since he was jailed - as his mother says she has no plans to visit him in prison.

My children shouldn't have had to bear seeing their mother in that condition, either.

I have a long road of recovery ahead of me, but with the help of my children and friends, I will not quit until I am me again,' she wrote in a March 4 update.  'No one should ever have to endure what I went through that day.

Carrick, 48, was jailed for life with a minimum term of 30 years in February after carrying out a string of 'violent and brutal' sex attacks against at least a dozen women over more than two decades as a police officer.

Cleaning light fixtures and bulbs may render them brighter, and require fewer of them to be switched on to light up ess.  A defrosted freezer and limescale-free kettle require less energy to work efficiently.

Hailey Bieber stands out in a pair of eye-catching neon... Justin Bieber's love rivals call a truce! Hailey Bieber sets temperatures soaring as she flaunts toned... Their decorations include a $1,800...

But if you wish to eat out you can still keep costs down. Ask to take your leftovers home, so you get another meal out of them the follow Ask for tap, not bottled, water.

Search online for discount vouchers for the restaurant you plan to visit. ey  21 Always be polite to waiters  Of course, eating at home is cheaper than going to a restaurant.

Plus it helps clear the clutter from the kitchen drawer. ones.

You can get more than £200 for some of the newest handsets, but even older ones could make you a few pounds. Check websites such as SellMyMobile, Magpie and Recycle My S

If I watch more than 24 films in this calendar year, I'll be q penny.

So far, Boiling Point and A Hero have been watched - and thoroughly enjoyed. The Duke, Nightmare Alley and The Eyes Of Tammy Faye are on my February radar.

By doing this, it means couples then have financial assets in their own names and can use separate annual capital gains tax allowances (£12,300) to mitigate an nce.  Also, if you are married or in a civil partnership, consider the inter-spousal transfer of shares and funds.

p.  6 Meet friends for a walk  When meeting up with friends and family, it's easy to fall into costly habits. But if you have, for example, a friend who you normally meet for lunch, why not suggest a walk

Avoid the temptation to turn up your thermostat to heat a cold room - it will not heat it a this.

You may not even feel any difference - most families are happy with a setting somewhere between 18 and 21 degrees, but you may need it warmer if there are elderly or infirm people living with you.

By helping to keep you feeling toasty, a vest may enable you to turn the heating down a notch without feeling the cold, helping to slash around £100 off your annual ener bills.

A soft merino wool blend vest adds a layer to keep your body insulated.

Or simply ask if that is the cheapest price they can offer or if there are any further offers or discounts available.

It doesn't always work, but there is nothing to lose in rkets.

But you'd be surprised how many high street retailers will drop their prices if you ask. See if you can find the item cheaper online and then ask them to price match.

Only occasionally would I jump on a fixed bike and pedal away furiously or indulge in a post-run session in the ste icy.  A gym membership was also killed off after I realised I was simply using my local gym as a place to change and go for a run outside.

I often bring in a packed lunch to work - toasted sourdough, blueberries, tomatoes; anything I can find in my fridge of a morning when I'm still half asleep and keen to get the first train out of Wo