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Discuss and debate today’s biggest talking points, directly with our journalists. | | The HMRC self-assessment deadline at the end of the month is looming, and if you are one of those people who is facing a painful tax bill, you’ll be looking for ways to make and keep as much as you can.
Good news, The Telegraph’s money team is here to guide you through the steps to protect your nest egg.
 | Danielle Richardson Money Advice Editor | This year will be bad news for your savings. Where you could once find accounts paying more than 6 per cent when rates peaked in the summer of 2023, today only the top rates will pay more than 4 per cent, and they’re still falling.
You can mitigate the impact by using the “savings laddering” tactic. By splitting up your cash among several of today’s top-rate accounts, you can shield it from future falls without locking up your entire nest egg for years at a time. Our guide explains how to set up this system, and keep it going for years to come.
Read the full guide here ➤ | | Protesters call on Trump to ‘help’ after more than 2,500 were killed by the Iranian regime | Donald Trump promised that “help is on its way” as he urged protesters in Iran to “take over your institutions” in a post on his Truth Social network yesterday. The US president refused to say what help he would provide but it is understood military strikes are on the table.
In a sign of escalation, the US ordered its citizens to evacuate Iran and deployed F-35s, bombers and tankers to Qatar, adding pressure to the beleaguered Iranian regime.
Mr Trump last night called Iran’s leaders “monsters” who would “pay a very big price” for killing civilians. Adrian Blomfield, our Senior Foreign Correspondent, reports on the horrific scenes unfolding in Iran.
 | Adrian Blomfield Senior Foreign Correspondent | Only some of the men, women and children arriving in Iran’s hospitals are still alive.
Of those, many won’t survive much longer.
Their faces are unrecognisable after being torn apart by pellets fired by security forces, and medics don’t know where to begin. And the bodies pile higher and higher with no end in sight. | A woman embraces the body of her sister, allegedly killed by Iranian security forces | Speaking via the few patchy Starlink connections still joining the Islamic Republic to the outside world, doctors told The Telegraph that hospitals were on the brink of collapse after the government’s deadly crackdown on protesters.
One medic said: “There are rivers of blood in hospitals here.”
Read the full story here ➤ | | Jake Wallis Simons It is stunning that the Left of today has still not learnt from the 1979 Islamic Revolution Continue reading ➤ George Chesterton Dry January bores should either give up or shut up Continue reading ➤ Imogen Woodbury The biggest divide in Britain is the one we’re not talking about Continue reading ➤ | | A seal pup, dubbed Cold Call, took a postman by surprise in Gorleston, Norfolk | | In part three of her four-part programme, our new fitness columnist has five moves to boost your bottom | | Anyone can improve their lower body strength and it can be life-changing, says personal trainer Caroline Idiens. This quick workout includes a range of exercises that target the literal seat of our strength and mimic day-to-day movements. For example, goblet squats recreate the correct form for getting in and out of a chair and are an excellent exercise to work all the lower body muscles. Find out how to do them, along with the rest of the workout. Continue reading ➤ | |  | | In 2017, the Woods from Brighton wound up their family business, rented out the house and set sail from Greece with only a few clothes, home-schooling packs, musical instruments, a chess set and a toy bear. Eight years later, they have circumnavigated the globe, enjoyed biology lessons in The Galapagos, met remote tribes in Colombia, and been threatened by armed pirates in the Red Sea. Here they recount their adventures. Continue reading ➤ | | | From autocorrect calamities to wrongly directed gossip, modern communication can lead to some extremely awkward situations. Office workers, butter-fingered spouses and one mortified headteacher share their horror stories. Continue reading ➤ | | | Despite an incredibly annoying voice-control system, BMW has done a remarkable job with the iX3’s ride quality, says Andrew English | | BMW insists its latest electric SUV shows Germany can still out-think and out-engineer cheaper Chinese rivals, with eye-catching claims on range and handling. Andrew English finds plenty to admire beneath the gloss, but also enough weight and excess to raise a bigger question about what this new generation of EVs is really for. Continue reading ➤ | | | During the Cold War, the United States, with Denmark’s agreement, built a network of 17 military installations across Greenland. Today, all but one of them lie dormant. David Blair, our Chief Foreign Affairs Commentator, explains how resurrecting these facilities and designating them US sovereign territory may give Donald Trump the prize he seeks, and diffuse a very tense diplomatic situation. Continue reading ➤ | | | Catherine, aged 22, wears the Penelope Chilvers boots to the Blenheim Palace Game Fair in 2004 | Two decades ago, the then-student Princess of Wales was spotted in the Penelope Chilvers tassel boots. Two decades on and she is still wearing a £485 “conker” leather pair, for everything from litter-picking on a Welsh beach to her most recent 44th-birthday video. Yet her loyalty to the boots is more than just practicality – Rebecca Cope reveals the message the Royal is sending every time she zips them up. Continue reading ➤ Below are two more helpful articles for you this morning: | | Venice’s Gritti Palace: one of the most opulent hotels in existence |  | Rachel Cranshaw Hotels Editor | Here at Telegraph Travel, we’re very much in the business of ranking and rating hotels and aim to recommend the best places to stay around the world for you, our readers. Sometimes though, it’s nice to get a bit more personal.
When I asked our expert Mark C O’Flaherty how many hotels he’d stayed at in his lifetime and he told me it was around 1,000, I immediately wanted to hear his recommendations and they did not disappoint. I was surprised to see some big names on his list – but not the outposts I’d necessarily expect (another Park Hyatt in Japan, for instance, that Mark prefers to the Tokyo hotel of Lost in Translation fame).
There are some you might not have heard of at all and one that offers rooms from just £262. Mark said that while this task was extremely tricky, it brought back a lot of great memories – and these, really, are what favourite hotels are all about.
Continue reading ➤ | Creature comforts 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...
As a lifelong cat owner, I take it as a given that my beloved pet will blithely ignore almost everything I say, so I’m always amused when I see friends attempting to train a new dog (“Sit. Sit. Siiii... No, put that down!”). It turns out, though, that this laborious process may not always be necessary. The Telegraph recently reported that some particularly clever canines are able to learn words simply by listening in to human conversation.
Many readers were unsurprised. “I knew this already,” wrote one. “I’ve owned many dogs, some clever and others less so. Currently, I have a very smart chihuahua/Jack Russell cross, who listens in. She has a great range of words, including toys, people and chores.”
“We have to spell out certain words to avoid over-exciting our miniature poodle,” added Fiona Wild. “She also knows the names of her friends and favourite treats.”
Roy Brocklebank reported: “Ours learnt ‘bathroom’ so she could be washed after a walk. She was also quick to learn ‘come and get your collar off’.”
Tristan Crickett has had no such luck: “My dog is not that clever. I’ve been trying to teach him to fetch his collar when it’s time for a walk, but he just runs around excitedly and leaves his collar on the floor.”
Perhaps the most intriguing example came from David Vincent: “Our border collie Ben knows family members’ names and some other words, but one of those words is rather unexpected. If I mention ‘recycling’, Ben immediately goes to the back door, quivering with excitement. When the door is opened he rushes to our recycling bins and stands waiting expectantly. As I pour our recycling into the bin he jumps around and barks with great enthusiasm until the process is complete, then trots back indoors wagging his tail.” Is your dog a gifted linguist? Or indeed an avid recycler? Send your responses here, and the best of the bunch will feature in a future edition of From the Editor PM, for which you can sign up here.
Please confirm in your reply that you are happy to be featured and that we have your permission to use your name. | | 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.
Yesterday’s Panagram was COMPETENT. Come back tomorrow for the solution to today’s puzzle. | | Thank you for reading. Have a fulfilling day and I hope to see you tomorrow. Chris Evans, Editor
P.S. I’d love to hear what you think of this newsletter. You can email me your feedback here. | |
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