We speak your mind. Enjoy free-thinking comment that champions your values. |  | To paraphrase Benjamin Franklin, we can only be certain of two things: death and tax rises in the Budget. It’s no time to panic, but it is time to plan. I’ve asked the experts for useful steps you can take now to protect your cash, which will be beneficial whether the rumours prove to be true or not.
First, protect your savings. It makes sense to stuff your Isa now, as growth will remain tax-free, and shielded should the Chancellor cut the cash Isa allowance at the Budget.
If a rumoured income tax rise comes to pass, you could also benefit by reorganising your savings so they’re held by the partner who earns the least, as those who pay basic-rate tax have a much more generous tax-free allowance.
Increasing your pension contributions can also ward off the effects of a tax rise. Not only do you receive tax relief on what you pay in, but in some cases, you may even be able to prevent crossing a tax threshold into a higher band. And if there’s no tax rise, at least you’ll be grateful when you retire.
Inheritance tax could also be targeted, with a rumoured cap on lifetime gifts. The solution? Give gifts while you can, especially if you haven’t used your tax-free allowance in this or the previous tax year. Using both means you could give up to £6,000 with no worries about the taxman.
Read the full advice here ➤
Here are a few more Telegraph Money articles to help you prepare:
Best cash Isas: Today’s latest rates ➤
Best Lifetime Isa providers 2025: top picks for savers ➤
Eight ways to legally avoid inheritance tax ➤ | | Michael Deacon
Those defending the broadcaster this week, or dismissing the criticisms as overblown, are just proving how out of touch the corporation is Continue reading ➤ Tom Harris I have witnessed a Labour feeding frenzy before. Starmer is finished Continue reading ➤ Michael Vaughan Show respect to the has-beens, Ben Stokes – we want you to win the Ashes Continue reading ➤ | Never miss a moment. Stay ahead with live news updates in our award-winning app. | | Ten years after France’s darkest night, The Telegraph meets the Bataclan’s “last hostage”. When Islamist gunmen stormed the Paris concert hall on Nov 13, 2015, killing 90 people inside, Arnaud Simonin lay trapped between two terrorists as their vests detonated beside him. Miraculously, he survived, covered in their blood, not his own.
A decade on, Mr Simonin and other survivors of the Paris attacks recount moments of horror, grace and defiance, from the deaths of loved ones to the fight to reclaim normal life. As France marks the anniversary, their haunting testimonies reveal both the endurance of trauma and the quiet triumph of survival. Continue reading ➤ | |  | | Millions of people are destined for a life on benefits as official figures lay bare the mounting cost of worklessness. Half of the eight million claiming Britain’s main jobless payment have no obligation to look for work. Szu Ping Chan, our Economics Editor, asks who’s claiming – and why the cost of sickness and disability benefits has soared by so much.
Continue reading ➤ | | How sharper than a serpent’s tooth it is to have a thankless child. Throughout Adam Peaty’s childhood, his mother, Caroline, made huge sacrifices to ferry her son to early-morning training sessions as he moved up the ranks of British swimmers. Peaty went on to win gold in consecutive Olympics. But now an ugly family feud has gone public and it is being reported that Caroline has been banned from Peaty’s wedding to Holly Ramsay, daughter of celebrity chef Gordon. Could the Olympian’s head have been turned by fame and fortune, asks Marianka Swain. Continue reading ➤ | | | | | Adolf Hitler was supposed to have taken his most intimate secrets to the grave. After his suicide in a Berlin bunker in April 1945, his aides followed his final orders to make sure his body could not be seized by his enemies. They doused it in petrol and set it alight. But, 80 years on, in a “world exclusive” Channel 4 documentary, Hitler’s DNA: Blueprint of a Dictator, Hitler’s genetic make up has been decoded. Continue reading ➤ | | | Do you only listen to Radio 4? Or strictly Strictly every Saturday? How much you actually consume on the BBC massively impacts the value for money you get for the £174.50 licence fee. Our tool shows you how much – or little – bang for buck you get. Continue reading ➤ | | | Erling Haaland, Manchester City’s Norwegian star striker, recently posted a video on YouTube, detailing his meticulous daily fitness and nutrition regimen — from a 7am “supercoffee” (made with raw milk and maple syrup) to a 5pm sauna and ice bath. It’s all clearly working for the football star, but can it help self-professed “ordinary bloke” Sam Delaney? Find out what happened when he stuck to it for a day. Continue reading ➤ | | | Cold season is well and truly under way , with all of the familiar symptoms – sore throats, runny noses and body aches – striking with ferocity. If you’re feeling under the weather, our expert Tim Spector shares his ultimate routine for shaking off a cold, based on years of trial and error. From eating kiwifruit to using a nasal spray, here are his top tips. Continue reading ➤ Below are two more helpful articles for you this morning: - From Simon Rattle’s return to the UK to Christmas classical treats, our expert selects the best classical concerts to book for this year and next.
- Ever wanted to know the secret to a subtle winter tan without going orange? Here, the expert behind Lady Kitty Spencer’s bronzed visage shares his tips for a natural-looking glow.
| | Each month, Telegraph Travel will bring you our top tips for where to stay from 10,000 hotel reviews written by 200 experts around the world. For more from Travel, sign up to our newsletter. | Another Place, the Lake, Lake District |  | Rachel Cranshaw Hotels Editor | Whether you want to soak in a spa, curl up by a fire or head out for a bracing walk, these five hotels in Britain are perfect for a cosy winter weekend away. Surveying snow-capped peaks from the wooden outdoor hot tub at Another Place, The Lake is a favourite festive memory of mine.
Another Place, the Lake, Lake District
Another Place is one of the most popular luxury hotels in the Lake District and this year (from November 17) is re-opening its ice rink, in a plum position against the backdrop of Ullswater with a view to the fells. Think post-skate fire pits, spiced mulled wine and mince pies.
Read the full review ➤
Monachyle Mhor, Scotland
Besides its main farmhouse (with 17 rooms) and brilliant restaurant, this family-run, deeply Scottish hotel offers up so much more. Head into the grounds and you’ll also find an assortment of cabins and wagons, some with wood-fired hot tubs. And the cherry on top? A warming lochside sauna.
Read the full review ➤
Louma, Dorset
Louma is a new retreat on the British hotel scene attracting grown-ups and families alike. Inside, the spa is particularly lovely in winter with its toasty pool and bespoke massages. Outside, the vista across to the Jurassic coast is complemented by vineyards and a patchwork quilt of rolling fields.
Read the full review ➤
The Felin Fach Griffin, Wales
This is an ideal place to hunker down after a frosty ramble in the Brecons with a fire crackling in the grate, a heartfelt welcome and regional food. Don’t forget your binoculars – the area is a dark sky reserve with some excellent stargazing.
Read the full review ➤
Gurnard’s Head, Cornwall
The yellow-painted Gurnard’s Head is a former coaching inn set in the heart of the Cornish coastal countryside. Enjoy seasonal lunch or supper by the open fire and stay in one of only eight rooms where Welsh blankets add weight to supremely comfortable Vispring beds made up with piles of pillows.
Read the full review ➤ | Pick your poison Every weekday, Orlando Bird, our loyal Reader Correspondent, shares an off-piste topic that has brought out the best of your opinions and stories. Orlando writes...
There can be no more powerful testament to the ingenuity and wit of our nation and the teeming multiplicity of our language than the astonishing number of expressions we have at our disposal to denote drunkenness. Tipsy, squiffy, whiffled, pickled, pie-eyed, sozzled, tired and emotional... and plenty that can’t be printed here. Makes you proud, doesn’t it?
Less appreciated, perhaps, is how many names we’ve also devised for the intoxicants themselves. Which brings us to one of my favourite themes on the Letters page recently: what to call the first drink of the day? I know it’s only breakfast time, but this is important stuff.
Denis Thatcher had his openers and brighteners. Kate Keogh, meanwhile, told how she had taken inspiration from one of Margaret Thatcher’s protégés: “We are in the habit of having an aperitif before dinner. This often coincides with a television programme featuring Michael Portillo. So we have now taken to calling our evening tipple a ‘Portillo’.”
Readers quickly warmed to the subject. “When the clock struck six,” recalled Jane Corkran, “my father would say, ‘Time for my little smile’, before pouring his glass of whisky and soda.”
Geoff Vaughan added: “My wife had a friend called Gill, who always used to invite her for a drink at 5.15pm. We have kept this going, and never have a sip before ‘Gill time’.”
As the discussion progressed, the times got earlier and earlier. (If you happen to be the Chief Medical Officer, look away now.) “In our house,” wrote Sally Baker, “noon is known as ‘Granny’s Calpol time’ (ie, sherry time).” What do you call your pre-prandial poison? Let me know here, and they may get selected to appear in a future edition of From the Editor PM. You can sign up here to read the responses. | |
Known for her soulful voice and powerful ballads, Adele has been at the forefront of the British music scene for over a decade. Now, she is turning to acting, in a film about a castrated opera singer. Which fashion designer is directing the upcoming film? | | Find as many words as you can in today’s Panagram, including the nine-letter solution. Visit Telegraph Puzzles to play a range of head-scratching games, including PlusWord, Sorted, and Quick, Mini or Cryptic Crosswords.
The solution to yesterday’s clue was INTEGRITY. Come back tomorrow for the answer to today’s puzzle. | |
Thank you for reading. Have a fulfilling day and I hope to see you tomorrow. Chris Evans, Editor
P.S. Please let me know what you think of this newsletter. You can email me here. | |
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