Money Larger transfers get the best exchange rates

Research from currency specialists HiFX shows that falls in the pound since the start of the financial crisis have resulted in expat pensioners losing thousands of pounds in income.  We look at ways you can protect yourself.

19-year-old Ross Barkley was the latest youngster to make his England debut on Friday against Moldova

Roberto Martinez tells Ross Barkley to focus on Everton ahead of game against Liverpool

The midfielder could have his attention taken by the World Cup

A 3 bedroom bungalow for sale in Barff Lane, Brayton YO8, on with Stephensons for offers in the region of £239,950

Downsizing is the main reason for selling a home

Average age of those looking to downsize is only 40

University students carve an image of Sachin Tendulkar in the sand in tribute to the retiring cricketer

Sachin Tendulkar retirement: The 'Little Master' out for 74, so has he missed his chance for a final century?

Tendulkar may not bat in the second innings as India pile on the runs meaning he could well have played his final innings where he was out for 74

Ray Clemence has described his battle with cancer as a 'shock' but confirms he is in remission and hopes for further good news

Ray Clemence describes his battle with cancer as a 'shock' following his recent retirement but hopes for further good news after going into remission

Clemence stepped down from his role with the Football Association last month and believes that his career as a goalkeeper has been a help in his battle with illness

Michael McIlorum has won out over James Roby as hooker

World Cup: Steve McNamara determined to qualify on a high

England’s progress into the World Cup quarter-finals might look a formality, but they are preparing themselves for a searching physical test from Fiji in their final group game in Hull this afternoon.

Government told its new pension system is ‘not fit for purpose’

The UK’s new pension saving system is not “fit for purpose” at a time when retirement prospects in the UK are more uncertain than ever and state pensions are being slashed, a leading report warns today.

The new Shadow Cabinet member De Piero called Harriet Harmon an 'absolute hero' for advocating all-female shortlists

Women MPs? The numbers don't add up: Shadow equalities minister backs women for Westminster

All political parties need to do more to "look and sound like Britain", one of the Labour Party's rising stars has said. Gloria De Piero, the new shadow minister for women and equalities, says she will "never be happy" until 50 per cent of MPs are female.

Lennox Lewis hasn't fought since 2003 when he beat Vitali Klitschko after he suffered a cut above his left eye

Boxing: Lennox Lewis prepared to make comeback in fight with Wladimir Klitschko - but only for $100m

48-year-old Lewis, who was the last man to hold all four belts at heavyweight, has said he would be prepared to fight the younger of the Klitschko brothers but only for the biggest purse in boxing history

Trendy flats will not fix our housing shortage

As the Help to Buy scheme is extended to £600,000 homes today, Julian Knight asks how to meet the demands of both young families and retirees

Steve Harmison holds the Ashes urn with Andrew Flintoff in 2005

Former England bowler Steve Harmison announces retirement from cricket

Bowler was part of England's Ashes-winning team in 2005

Almost half expecting to work beyond 65

Nearly half of Britons believe they will have to work beyond age 65 because their pensions savings are inadequate, a survey from Scottish Widows has found.

Carpetright crisis forces Harris return

Lord Harris of Peckham has come out of retirement to take over the running of Carpetright after an unexpected profit warning and the shock resignation of Darren Shapland, the chief executive.

Lord Harris back into Carpetright after chief quits

Lord Harris of Peckham has been forced to come out of retirement to take over the helm of Carpetright after a shock profit warning and the unexpected resignation of chief executive Darren Shapland.

British territorial army forces in Afghanistan.

Army faces losing another 3,000 soldiers in January as No 10 and military chiefs clash over redundancies

Restricted access documents suggest neither side is happy to completely surrender control of the speed and timing of anticipated job losses

British Prime Minster David Cameron delivers his keynote speech on the last day of the annual Conservative Party Conference at Manchester Central

David Cameron: Young people under 25 would not be able to claim employment or housing benefits under Tory government

PM offers prospect of income tax cuts as he pleads for chance to 'finish the job' of balancing nation’s books in closing speech

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Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
Minoan Crete and Santorini
Prices correct as of 15 May 2015
The long walk west: they fled war in Syria, only to get held up in Hungary – now hundreds of refugees have set off on foot for Austria

They fled war in Syria...

...only to get stuck and sidetracked in Hungary
From The Prisoner to Mad Men, elaborate title sequences are one of the keys to a great TV series

Title sequences: From The Prisoner to Mad Men

Elaborate title sequences are one of the keys to a great TV series. But why does the art form have such a chequered history?
Giorgio Armani Beauty's fabric-inspired foundations: Get back to basics this autumn

Giorgio Armani Beauty's foundations

Sumptuous fabrics meet luscious cosmetics for this elegant look
From stowaways to Operation Stack: Life in a transcontinental lorry cab

Life from the inside of a trucker's cab

From stowaways to Operation Stack, it's a challenging time to be a trucker heading to and from the Continent
Kelis interview: The songwriter and sauce-maker on cooking for Pharrell and crying over potatoes

Kelis interview

The singer and sauce-maker on cooking for Pharrell
Refugee crisis: David Cameron lowered the flag for the dead king of Saudi Arabia - will he do the same honour for little Aylan Kurdi?

Cameron lowered the flag for the dead king of Saudi Arabia...

But will he do the same honour for little Aylan Kurdi, asks Robert Fisk
Our leaders lack courage in this refugee crisis. We are shamed by our European neighbours

Our leaders lack courage in this refugee crisis. We are shamed by our European neighbours

Humanity must be at the heart of politics, says Jeremy Corbyn
Joe Biden's 'tease tour': Could the US Vice-President be testing the water for a presidential run?

Joe Biden's 'tease tour'

Could the US Vice-President be testing the water for a presidential run?
Britain's 24-hour culture: With the 'leisured society' a distant dream we're working longer and less regular hours than ever

Britain's 24-hour culture

With the 'leisured society' a distant dream we're working longer and less regular hours than ever
Diplomacy board game: Treachery is the way to win - which makes it just like the real thing

The addictive nature of Diplomacy

Bullying, betrayal, aggression – it may be just a board game, but the family that plays Diplomacy may never look at each other in the same way again
Lady Chatterley's Lover: Racy underwear for fans of DH Lawrence's equally racy tome

Fashion: Ooh, Lady Chatterley!

Take inspiration from DH Lawrence's racy tome with equally racy underwear
8 best children's clocks

Tick-tock: 8 best children's clocks

Whether you’re teaching them to tell the time or putting the finishing touches to a nursery, there’s a ticker for that
Charlie Austin: Queens Park Rangers striker says ‘If the move is not right, I’m not going’

Charlie Austin: ‘If the move is not right, I’m not going’

After hitting 18 goals in the Premier League last season, the QPR striker was the great non-deal of transfer deadline day. But he says he'd preferred another shot at promotion
Isis profits from destruction of antiquities by selling relics to dealers - and then blowing up the buildings they come from to conceal the evidence of looting

How Isis profits from destruction of antiquities

Robert Fisk on the terrorist group's manipulation of the market to increase the price of artefacts
Labour leadership: Andy Burnham urges Jeremy Corbyn voters to think again in last-minute plea

'If we lose touch we’ll end up with two decades of the Tories'

In an exclusive interview, Andy Burnham urges Jeremy Corbyn voters to think again in last-minute plea