Mortgage vs pension saving | When interest rates will rise | Bargain homes abroad | Fight parking fines

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	MESSAGE FROM THE EDITOR The Bank of England has decided that dropping heavy hints rates won't be going up any time soon isn't enough. Instead it has opted to tie a rise from the record low 0.5 per cent base rate into unemployment falling below 7 per cent - unless inflation looks likely to spiral. The Bank spelt out fairly clearly that it doesn't expect a rise to 0.75 per cent until 2016. If you've got a big mortgage and less savings that would seem like good news, while it's bad news for the savers on the other side of the fence. In reality though, little has changed for our personal finances. Those three more years at rock bottom were already on the cards and the real threat to interest rates returning to normal lies elsewhere. The Bank of England's ratesetters are hamstrung by our big mortgage debts - and the more low rate lending done now, the harder it will be for homeowners to stomach eventual rises. This is one of the reasons why money markets may not be so far off when they put base rate at just 2 per cent in eight year's time. Perhaps a better push for rates certainty would have been to map out a series of small rises - from 0.5 per cent to 1 per cent - over the next three years, easing borrowers into the idea that rates must go up. Of course, many of This is Money's savers would prefer a far steeper path. - Where do you think should interest rates be?						Latest Predictions House prices Interest rates Isas   Deal finders Energy bills Fund supermarket Savings rates Mortgage rates Share dealing Credit cards Insurance
	Simon Lambert, Editor Follow me on Twitter: http://twitter.com/_simonlambert
	Top Story   Carney ties 0.5% rate to unemployment, so when will UK interest rates rise? The Bank of England's new governor Mark Carney said rates will not rise until 2016, but markets pencil a rate hike in for late 2014. We look at historic rates and how you forecast future rises.
	Also this week   Should you snap up a cut price home in the sun? Hundreds of thousands of cash-rich Britons are creating a foreign second-home boom, but how safe is it to buy a house abroad? Here's our guide to what to watch out for.         How to fight unfair car parking fines Barrie Segal of campaigning website AppealNow has challenged 60,000 tickets on behalf of motorists. Learn how to appeal here.         Barclaycard refunds £650 after toilet-flooded flight But it insists compensation was a one-off and is unlikely to set a precedent for using consumer credit laws to bypass flight compensation blocking.         House prices rise at fastest pace in three years The 4.6 per cent rise in July was the strongest since August 2010, according to Halifax. It means house prices have risen by just over £9,000 in a year.
	Interest rates to stay at rock bottom until unemployment falls below 7% HMRC crackdown on middle class tax-dodging as prosecutions double HSBC tells consulates and the Vatican to find another bank Number of tenants 'trapped' in rented homes highest since 2011 Top mortgages for first-time buyers with low deposits revealed I've been cold-called about my pension. Is this genuine?
	Don't Miss Are parents avoiding care home fees by giving away £45,000 to their kids? Could they give their children £15,000 each. Our expert replies.       Should you be saving for a house or for retirement? What should someone in the 20's prioritise - a mortgage or a pension? Here we attempt to spell out the implications of that decision.       Five of the best smaller company funds and trusts As investors can now put AIM shares in an Isa, we reveal some of the best smaller companies experts to invest with.         'EBay sent debt collectors but I was not at fault' My son sold an exhaust system on eBay and eBay is claiming the £75.71 back, even though I can prove the buyer received the item. TOP TIPS   Make your holiday money go further The best debit and credit cards to help you avoid overseas fees - find out the best account for you
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	LIBOR: 0.51% to 0.51%		BRENT OIL: $107.10 to $107.57
	GOLD: $1,310 to $1,284		Predictions:Rates | Economy | Shares
	And finally...
	Where will leaving a tip on the table cause offence - and where can you give small gifts instead? As a recent study suggested that 65 per cent of British holidaymakers were confused about how much to tip when away, we explain local tipping etiquette - from Macau, where you can tip with small gifts instead of cash, to South Africa, where the favoured note for tipping is a 10 rand bill.
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