Author: Lucas

By HELEN KIRRANE, REPORTER, THIS IS MONEY Updated: 13:00, 27 January 2026 National Savings and Investments will slash the rates on two of its popular accounts from next month.From 12 February, NS&I’s Direct Saver and Income Bonds accounts will both pay 3.05 per cent interest, down from 3.3 per cent and 3.26 per cent previously.It is the first time NS&I has changed the interest rates on these savings accounts since 5 March 2025. The Direct Saver and Income Bonds are easy-access accounts with a variable rate which means it can go up or down. The Income Bonds offer a monthly interest payment…

What is Sub-letting? Sub-letting, often termed a sub-lease, is a common mechanism in Scots commercial property which allows a tenant (referred to as the head tenant) to grant occupation of all or part of their leased premises to a third party (the sub-tenant). Crucially, and unlike an assignation of the lease (where the tenant transfers their lease entirely to a new party), sub-letting does not relieve the tenant of their original lease obligations. The tenant remains responsible to the head-landlord for rent, repairs and compliance with all lease terms—which is especially important if the sub-tenant fails to meet obligations under the sub-lease. In recent times,…

Investors reassess this healthcare giant in wake of profit collapse and Medicare worries, today, Jan. 27, 2026.Today’s Change(-19.61%) $-68.94Current Price$282.70Key Data PointsMarket Cap$319BDay’s Range$280.40 – $299.5052wk Range$234.60 – $606.36Volume66MAvg Vol7.5MDividend Yield2.48%UnitedHealth Group (UNH 19.61%), a major provider of health insurance and healtchare services, closed Tuesday at $282.69, down 19.61%. The stock sold off after  Q4 results showed plunging operational earnings, hefty restructuring charges, and weaker‑than‑expected 2026 revenue guidance. Trading volume reached 65.3 million shares, over 640% above its three-month average of 7.5 million shares. UnitedHealth Group IPO’d in 1984 and has grown 195,498% since going public.How the markets moved todayThe…

Image source: Getty Images Silver is again stealing the spotlight across global markets on Wednesday. At the time of writing, the price of silver has jumped more than 7%, pushing it to around US$111 per ounce, near record levels. Earlier in the week, the white metal briefly touched a new high of US$117.69 per ounce. Silver is now up more than 55% over the past month, making it one of the strongest-performing commodities anywhere right now. Let’s unpack what is driving this remarkable rally. Trade tensions, tariffs, and political instability are adding to the uncertainty Recent moves by the Trump administration have…

Digital payments have transformed the way we handle our finances. We no longer need to carry bulky wallets or search for exact change at the grocery store. With just a few taps on a smartphone, we can send money to friends, pay utility bills, or settle a restaurant tab. This convenience has made life much easier for millions of people around the world. However, this ease of use also brings new responsibilities. As we move away from physical cash, we must become more aware of how to protect our digital assets. Cybercriminals are always looking for ways to exploit gaps…

The global economy is in its midlife crisis and total reinvention at once. The AI explosion, along with central bank and geopolitical chess movers, shows that we can’t treat the “old rules” as they were. For the ambitious trader, this is not a threat but the most brilliant opportunity of the decade. In these circumstances, most people are searching for a broker. But the ambitious – they look for a partner. And today, we want to tell you about JustMarkets, which is chosen by millions of traders and businesses worldwide for long-term partnerships. Why? Keep reading to find out. Why…

Insurers and financial service providers are among the first real users of AI systems in everyday business. But what does that mean in practice, how do you deal with the shift in work priorities, and what about the great power of American corporations in this area? In an interview with heise online, Johannes Rath from the German insurer Signal Iduna, who is responsible for digitalization as a board member for “Customer, Service & Transformation” in addition to operational organization, talks about the practical use of AI in such a corporation – and the concerns of employees. heise online: Let’s start…

Unlock the Editor’s Digest for freeRoula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.Thanks to our colleagues at the FT Unhedged newsletter this morning for throwing themselves in front of the discourse and writing about gold. Any readers with strong opinions may be better served by their comment box than ours.The one footnote we want to add is on central bank buying. As Rob Armstrong writes: “Some will argue that global central banks are moving their reserves away from dollars and into gold, and this is a better measure of debasement than the bond market.”It’s…

It comes as no surprise that all three of them are capitalizing on relatively new, but game-changing, developments.Got some money you’re looking to invest in growth, but you’re leery of following the herd into a crowded trade? That leeriness is understandable. The market is undeniably top-heavy right now, meaning shares of a small handful of its very biggest and best-known companies have raced far too high, leaving them — and the market as a whole — at risk of a sizable pullback. You may well be better off steering clear of the most obvious picks at this time. That doesn’t…

Savers can stack up significant amounts of interest with CD and high-yield savings accounts this year. Nora Carol Photography/Getty Images There are a lot of things you can do if you’ve saved up $40,000 in extra money. You can pay down high-rate debt, if you have any. Or you can make strategic home repairs and renovations. You can also invest in stocks, bonds or even some alternative assets like gold and silver. Or, after the economic tumult of recent years, you can just save it for a rainy day. And for many Americans, that can make the most sense, especially…