savings

Five years ago I identified a cohort of older people I called the Charmed Generation. A combination of final salary personal pensions, house price inflation, lack of debt and inherited money from their parents has insulated these people from the financial trauma that has afflicted their children and grandchildren and many of their peers.

Toys R Us has announced a holiday layaway plan for shoppers, and I think it's one of the smartest new ideas I've heard in a long time...even if it's an old one.

by: Sigurd Rinde

by: Roger Dooley

by: David Wigder