en 60 /moneyandfinance/news/story/38252.html?rss=1 New research reveals that the average British smoker spends over £120,000 funding their habit in a lifetime. /moneyandfinance/news/story/34882.html?rss=1 Interest-free student loans sound like an absolute steal, but the reality is that nothing comes free. /moneyandfinance/news/story/34822.html?rss=1 An offshore investment expert looks at the six critical considerations to keep in mind when choosing the right offshore jurisdiction for your personal requirements. /moneyandfinance/news/story/34742.html?rss=1 Rhiannon Williamson, from offshore investment firm Shelter Offshore, looks at how offshore trusts can reduce taxation down to as low as 1.6 per cent. /moneyandfinance/news/story/34662.html?rss=1 For many years, British expatriates have been faced with difficulties when dealing with UK pensions. /moneyandfinance/news/story/34102.html?rss=1 The average person in Britain will this year have a greater income than their US counterpart for the first time in over a century, a study finds. /moneyandfinance/news/story/34042.html?rss=1 HSBC was the cheapest mortgage lender in 2007, according to financial services research firm Defaqto. /moneyandfinance/news/story/34022.html?rss=1 Offshore investment company Shelter Offshore looks at the world's best tax havens. /moneyandfinance/news/story/33962.html?rss=1 Building societies consistently offered the best value mortgages during 2007, research finds. /moneyandfinance/news/story/33562.html?rss=1 Online mortgage company mform.co.uk outlines the basics of mortgages. /moneyandfinance/news/story/33542.html?rss=1 After years of increasing house prices, first-time buyers have never had to borrow so much to get on the housing ladder. /moneyandfinance/news/story/33322.html?rss=1 Life insurance can be a morbid topic as it means thinking about your own death. /moneyandfinance/news/story/33262.html?rss=1 Independent UK financial services comparison website MoneyExpert.com gives its interest rate predictions for 2008. /moneyandfinance/news/story/32962.html?rss=1 The UK government gives all newborn babies a minimum £250 in a Child Trust Fund, hoping this will encourage saving. MoneyExpert.com looks at how the scheme works. /moneyandfinance/news/story/32922.html?rss=1 Equity release schemes have experienced a boom in recent years as more people see the advantages in raising some much-needed capital through their property. /moneyandfinance/news/story/32902.html?rss=1 The race is well and truly on to provide viable banking options for followers of Islam. /moneyandfinance/news/story/32882.html?rss=1 People wanting to make the most of their money in the long term could do worse than invest in private equity investment trusts, with the industry sector currently worth £9.5 billion. /moneyandfinance/news/story/32282.html?rss=1 Around 35% of consumers have never switched energy providers, potentially missing out on savings of up to £325 a year. /moneyandfinance/news/story/26022.html?rss=1 Thousands of UK homeowners could face crippling increases in mortgage payments of up to 50%, as banks and building societies move to re-classify them as bad risks. /moneyandfinance/news/story/21762.html?rss=1 UK sub-prime mortgages are set to grow faster than mainstream mortgages, a new report has warned. /moneyandfinance/news/story/21722.html?rss=1 Homeowners looking to limit the effects of rising mortgage rates should switch their focus from fixed-rates to discount-rates, research shows. /moneyandfinance/news/story/16802.html?rss=1 More than 3.7 million potential mortgage customers would be happy borrowing five times their salary or more, research suggests. /moneyandfinance/news/story/16022.html?rss=1 First-time home buyers are facing the highest mortgage interest costs for 15 years, new figures show. /moneyandfinance/news/story/15802.html?rss=1 Thousands of first-time buyers have been hit hard by the recent 0.25 per cent increase in the Bank of England base rate, online mortgage firm mform.co.uk has warned.