Now manufacturers and software developers find more ways to make our mobile devices secure with biometrics and multi factor authentication, inevitably fraudsters are looking to human error to let them in.

The value is not really in your phone, it is in cracking the apps on there to access your financial information.

Sadly watching over your shoulder as you type in your

It might not always be obvious you need to do a tax return, especially if you have always paid tax through PAYE, or have not been a higher-rate taxpayer.

You must submit a tax return if, in the last tax year (6 April to 5 April), any of the following applied to you:- • you were self-employed as a ‘sole trader’ and earned more than £1,000 (before taking off anything you

There are lots of reasons people don’t want to give away a slice of their hard earned cake! However, it could help you reduce your estate and therefore your Inheritance Tax liability.

1) I don’t know the rules, I don’t want to cause a problem with the tax man. 2) Don’t you have to live 7 years for it to be tax free? 3) I don’t know if I will need it myself. 4) I don’t