'This is NOT the time for young people to rack up giant debts buying their home': Ex-HSBC boss's stark warning as the Bank of England eases mortgage rules.First the free TV licence was scrapped and now enforcers are turning up on doorsteps of the pensioners refusing to pay the £159 fee.Slippers again? What to do with Christmas gifts you don't want, how to get a full refund and how to deal with stuff that didn't turn up.TONY HETHERINGTON: I asked NS&I for £1,000 from my Guaranteed Growth Bond - and then it sent me £9,860.and STILL banks are refusing to give savers a better deal Where's our booster? Ten days after the BoE rate rise.RUTH SUNDERLAND: Don't leave lockdown savings stagnating in the bank.Growth burst forecast for Britain: Economy tipped to rebound next year with a 4.7% growth predicted.Don't invest your savings in Bitcoin, says ex-Chancellor Lord Hammond (who works for crypto firm!).Tui, Carnival and Virgin are among the travel giants imposing a 'no jab, no job' policy amid fresh Covid outbreaks on cruises.Sports Direct tycoon Mike Ashley offers to buy Footasylum from troubled arch-rival JD Sports.2021 has been a record year for floats in London, but were the stock market debutantes flyers or flops?.With consumers tightening belts, investing in food and drink manufacturers for home deliveries is the way to go, says MAGGIE PAGANO.Private equity sharks will snap up more 'undervalued' UK household names, warns UK supermarket tycoon behind Morrisons deal.Investment trusts enjoy a stellar year as investors raise £15bn: Will their popularity continue into 2022?.Luxury department store Harvey Nichols secures £66m funding as losses double amid lack of overseas tourists.Pensioners swap retirement for self-employment with more over-70s turning to freelance work.Will energy bills continue to soar in 2022 and will more suppliers collapse? This is what households can expect next year amid gas price crisis.My 95-year-old mum missed out on council tax benefits for 18 years - how can she get her money back? Steve Webb replies.Nearly HALF of all bank branches have shut since 2015 and this year has seen a huge acceleration of closures.Private equity predators spend close to £100bn plundering British companies since start of pandemic.
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