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New Toyota RAV4 stars in this week's Auto Express

New Toyota RAV4 stars in this week's Auto Express

Auto Express4 days ago

In this week's issue of Auto Express we have the lowdown on the all-new Toyota RAV4, which gets a bold new look to help it take on the SUV elite.
We also have a family car showdown as the Dacia Bigster takes aim at the big-selling Nissan Qashqai in our latest head-to-head. Advertisement - Article continues below
Plus, we take a closer look at the new Alpine A390 electric SUV and have official pictures of the latest BMW M2 CS.
In the drives section we get behind the wheel of the BYD Dolphin Surf, try out the hybrid version of the Fiat Grande Panda and hit the road in the Smart #5.
If that wasn't enough we reveal the best small cars money can buy.
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ALEXANDRA SHULMAN'S NOTEBOOK: It's a stitch up that men still decide what women wear
ALEXANDRA SHULMAN'S NOTEBOOK: It's a stitch up that men still decide what women wear

Daily Mail​

time44 minutes ago

  • Daily Mail​

ALEXANDRA SHULMAN'S NOTEBOOK: It's a stitch up that men still decide what women wear

The fashion crew descended on Rome last week for Dior's annual cruise show, for a display of exceptional evening gowns. It was the final collection by creative director Maria Grazia Chiuri – the next day the fashion house announced she was leaving. She's done a fabulous job for the past nine years. Remarkably, one of her strengths has been creating clothes that women actually want to wear. You might think that's a given, but it's not. So much of fashion designs are about attracting noise and heat around the brand – which then makes its real money from perfume and handbag sales. Word has it that the Irishman Jonathan Anderson, who has joined Dior as head of menswear, will take Chiuri's place. If that is indeed the case it will mean the only couture house in the world with a female designer is Givenchy, where Sarah Burton is creative director. It's extraordinary that the luxury fashion industry – which in huge part is driven by female customers – is still largely run by men. Clothes are the most intimate of possessions, covering our body and affecting the way we move and feel. It should follow that women might understand better than a man what women want to wear. And yet, time after time, men are given the big-money jobs. The whole creative director pool becomes a closed circle of musical chairs, as the majority of designers with experience in top roles are men. Even Chanel, where founder Coco remains one of the most famous names in fashion, has hired Matthieu Blazy from Bottega Veneta to take the helm. Fortunately, the Italian leather house that Blazy left behind is one the few places with the guts to hire a woman. His replacement is the British designer Louise Trotter. Mozzie bites again – now it's personal We put men on the moon and cracked the secrets of DNA, but why has nobody found a way to end the misery of mosquito bites? I write from a beautiful house in Majorca, gazing over a majestic valley scented by terraces of jasmine and orange groves and serenaded by the early morning sound of tinkling goat bells. It should be paradise – and it is, apart from the fact that every day I am covered in new red welts that appear almost as soon as I arrive in any hot climate. Despite cramming an arsenal of mozzie-busters into my suitcase – including a chargeable hot pen I have bought that's meant to instantly combat the itching, but is actually just painful – nothing works. I remain lethally attractive to these demons. Other guests are totally bite-free, and a discussion of my woes threw up the suggestion that certain blood types may be irresistible to mosquitoes. If that's the case, mine must be like Chateau Petrus to the blighters. Sadly, a complete blood transfusion isn't a practical option. Any solutions greatly welcomed, as it's only May and I'm already a patchwork of bumps. But please don't bother suggesting citronella, Vitamin B, or deet. Been there, done that, and they don't make any difference. Ball games allowed, but all the time… What is it with boys and balls? Watching two men compete at ping pong the other day before they headed off to do combat on the local tennis court, I wondered why the male of the species is so attracted to ball games. It doesn't matter their age. If they can move, they will be up for football, cricket, tennis, padel – anything that involves a sphere they can bash around. Some might say it's the British public school system that ingrains a culture of ball games into our men. A good chap is good at sports. But the reality is that almost all small boys head for the nearest ball as soon as they can walk, and remain inseparable from them for the rest of their lives. It's one thing we can't blame on the British class system. Show it off – that's why you bought it! We went shopping to buy more holiday clothes that we will be able to wear only a few weeks a year. Back at the house, I immediately put on my new shirt. But my host was having none of that – he was saving his for some occasion that merited breaking it out. And so I discovered a great hidden divide among shoppers. One group of people promptly wear new clothes. The other squirrels theirs away, waiting for heaven knows what. Baffling. Trump has brought Canada into the light Canada owes a debt of thanks to President Trump for his mission to turn the nation into the 51st American state. His ludicrous scheme has thrust into the limelight a country that's often regarded as a rather dull place that interesting people leave as soon as they can. As the daughter of a Canadian father, I feel entitled to make such an insulting observation of a place that I have never visited – because I was brainwashed from childhood into that opinion. My dad was proud of the fact that he left Toronto with the Canadian Military during the war, fell in love with London and never returned. But now it's all change. Canada is in the news along with a bevy of Canadians such as Ryan Reynolds, Pamela Anderson, Graydon Carter and Neil Young. Even King Charles and Queen Camilla dashed over there last week for a state visit to show their support for this huge – and under-rated – country with Trump's crazy ambitions looming over it. And just like that, another book's done Pity the poor Booker Prize entrants. This year's celebrity judge Sarah Jessica Parker announced recently that to get through the workload she's reading two books a day. If you've sweated over your oeuvre, polishing every adjective and stressing over a semicolon, the idea of a judge racing through your precious sentences at breakneck speed will come as a blow. Perhaps SJP thinks you can binge-read Booker novels the same way you binge-watch her Sex And The City follow-up series And Just Like That in one night on Netflix.

Starmer: Wave of investments will make military an ‘integrated fighting machine'
Starmer: Wave of investments will make military an ‘integrated fighting machine'

Western Telegraph

timean hour ago

  • Western Telegraph

Starmer: Wave of investments will make military an ‘integrated fighting machine'

The Prime Minister said he would invest in a military that is 'more integrated, more ready, more lethal than ever'. As part of the review, due to be published on Monday, the Government has pledged £1.5 billion to set up at least six factories, and will support the procurement of up to 7,000 UK-built long-range weapons. The move is in response to the review's call for an 'always on' munitions production capacity that could be scaled up quickly. Director of mechanical engineering Matt Beamont shows Defence Secretary John Healey a storm shadow missile (Dan Kitwood/PA) The new funding will see UK munitions spend hit £6 billion during this Parliament and support around 1,800 jobs throughout the country. Sir Keir called the review a 'radical blueprint' that would drive forward investments in shipbuilding, drone technology and cyber defences. Preparing for the threats of tomorrow means 'bringing together every ­capability we have, from drones, to artillery, to human instinct and intelligence, into one formidable, integrated fighting machine,' he wrote in The Sun. 'To achieve this, we are announcing a wave of new investments in our Armed Forces across land, air and sea.' He said Labour would end the 'disgraceful hollowing out' of the armed forces. 'We will invest in a fighting force that is more integrated, more ready, more lethal than ever — putting Britain back where it belongs as a leader in defence and a leader in Nato. 'We will provide better kit for our warriors when they are fighting abroad — so that they can use the full range of conventional and technological ­capabilities.' Defence Secretary John Healey said the Government would embrace the recommendations in the review and make defence an 'engine for economic growth'. It will urge the the Ministry of Defence to lay the industrial foundations to boost weapons stockpiles to meet the demand of 'high-tempo' warfare. More than £1.5 billion in extra funding will go to military homes in response to the review. The cash will be spent on urgent repairs such as fixing boilers and roofs, and other issues including tackling damp. 'Our forces make extraordinary sacrifices to keep us safe and to serve this country and yet for years, we've forced their families to live in substandard homes,' Mr Healey said on a visit to military accommodation in Cambridgeshire. The Conservatives criticised the investment in munitions factories as too slow. Shadow defence secretary James Cartlidge said the Chancellor has used the strategic defence review to put an 'effective freeze' on new orders for military kit. 'It's a bit rich of Labour to talk about 'always on' munitions production when procurement has been largely switched off for the past year,' he said. He added: 'Of course, we welcome investment in new munitions factories, but we don't know when they will be ready, only that these orders should have been placed months ago. 'Ultimately, we need to see greater ambition for the pace and scale of rearmament our armed forces require, given the threats we face and the need to replace inventory gifted to Ukraine. 'That means 3% of GDP by the end of this parliament, and Labour properly prioritising defence spending – instead of seeking to outspend Reform on welfare.'

Why a mid-retirement MoT can keep you on track
Why a mid-retirement MoT can keep you on track

Times

timean hour ago

  • Times

Why a mid-retirement MoT can keep you on track

You get your car checked every year, and even the boiler gets a regular service — but when was the last time you gave yourself a money MoT? People are living longer than ever, and while this is a welcome development, it also presents a significant financial challenge: ensuring your pension pot can comfortably last the distance. For many people in their seventies, a mid-retirement MoT has become an essential part of managing their finances. By this stage, people tend to have settled into retirement and have a clear picture of their lifestyle and outgoings. This makes it easier to work out a sustainable rate at which to take money from their pension pot. Only 48 per cent of people aged between 65 and 75 are confident their savings will last their lifetime, according to a report by the insurance company Aviva and the charity Age UK. That's despite the fact that many people underestimate how long they will live. Many people assume that their spending patterns will be consistent through retirement, the survey of 1,000 people found. That's wrong — it is usually 'U-shaped', say experts, with higher initial outgoings, a potential decline in the middle years, and then a resurgence in later life, particularly if there are care costs. Romi Savova from the pension firm PensionBee said: 'Just as regular pension check-ins are essential before retirement, it is important to assess your income and spending once you're in retirement, and especially around the halfway point. 'A mid-retirement MoT is a good way to make sure your savings remain on track, particularly as your lifestyle, spending and health needs may have changed over time.' John Ford has planned meticulously. Ford, 73, has an inflation-linked defined benefit pension — which pays a guaranteed income — and a state pension, which together give him an annual income of about £36,000. He also has £340,000 in a defined contribution (DC) pension — which gives him a retirement income based on how well his investments perform — which he has barely touched. 'I am keeping it for emergencies and future medical bills,' Ford said. 'Last year I paid about £7,000 to remove cataracts at a private clinic as I didn't want to wait for a slot on the NHS. I also need some money to make some repairs to my property near Bristol.' Ford retired from his job as a surveyor in the construction industry in 2017, when he was 65. His wife, Carole, 70, retired four years ago and gets a state pension plus a small defined benefit pension, giving her an annual income of about £15,800. • Flip-flopping is chipping away at our faith in pensions Ford said: 'Luckily we have enough to live a decent lifestyle and our spending has not really changed much since we retired. However, we know we may need money later in life for care bills, which is what the DC pot is for.' Reviewing your finances once a year can help you to identify whether you need to rebalance your investments or make any adjustments to the amount that you are withdrawing, and to check that you are on track with your financial goals. Lucie Spencer from the wealth manager Evelyn Partners said: 'The early years of retirement are usually where most of the non-essential spending happens. For many people this is the first time they have had a substantial pot of money and total freedom to spend it as they wish. 'However, many do not plan for their later years. What will happen if they go into a care home or need support at home? Who will pay the bills if all their funds are spent? Will the state pension be enough to live on if they've exhausted all their savings? Such questions tend to become more pressing from the mid-seventies.' Withdrawing money from your pension is a fine balance — it needs to be enough to provide the lifestyle you want, without depleting your pot so fast that it runs out. A common guideline suggested by experts is to withdraw money at a rate of 4 per cent of the value of your pot per year. The idea is that since the rest is still invested, it should be able to replenish itself in time for the next withdrawal. Fidelity International, the wealth manager, analysed what happened to a £100,000 pension pot after ten years of withdrawals starting at 4 per cent a year and rising by 2 per cent each year to factor in inflation. Its analysis looked at withdrawals starting each year from 1994 to 2014 to see how much the pot would be worth after a decade. Based on a typical portfolio of 60 per cent global shares and 40 per cent in bonds, there were only three years (1999, 2000, and 2001) in which someone could have started taking annual income and been left with a pot worth less after a decade — in all other years the pot's value would have increased, even after ten years of withdrawals. For example, if someone had started making withdrawals of 4 per cent a year in January 2014, the value of their £100,000 pot would have grown to about £154,000 by January 2024. However, if they had started withdrawing in January 2000, the value of their pot would have fallen to £81,319 by January 2010, according to Fidelity's analysis. • Are you on track for your dream retirement? It is important to bear in mind that managing withdrawals can become problematic at times of stock market turmoil. When the market falls, so too does the value of your pot, as many savers experienced during the recent Trump tariff upheaval. Spencer said it was best to avoid withdrawing money at such times as it could mean locking in losses, and make it harder for the value of your pot to recover: 'During retirement if you are drawing down on your pension after a market shock, you could be selling investments at impaired values and that can deliver a serious blow to the longevity of your pot.' It is recommended that you have about a year's worth of spending, including bills, saved in cash which you can use instead during such times, allowing your investments to recover. An alternative to leaving your pot invested is to use some or all of it to buy an annuity, which provides a guaranteed income for life in exchange for a lump sum. Tom Selby from the investment platform AJ Bell said: 'Once you reach your seventies, you may start to consider whether drawdown is still the right option, or if using some of your fund for an annuity could be a good choice.' Life expectancy directly affects annuity rates — the longer you are expected to live, the lower the rate, because the income will have to paid out for a longer period. This means that if you buy an annuity later in life, you could get a higher income. A healthy 75-year-old with a £100,000 lump sum could secure an income of about £10,129 a year, according to the pension firm Just Group. That is about 30 per cent more than the £7,813 a 65-year-old is likely to get. Disclosing health or lifestyle factors that might reduce life expectancy, such as smoking or diabetes, could also mean you get a better rate. Shopping around for the best deal is always advised. Annuities do have drawbacks. The level of income is fixed so you may find it is not enough if your circumstances change, such as needing more money for care costs. You also forgo potential long-term investment growth, and unless you choose a policy that pays out to a surviving spouse, the income dies with you. A concern for older people in retirement is cognitive decline and the associated anxiety with technology, digital accounts, and a general loss of confidence in managing money, especially investments. It is important to arrange for someone to manage your money if you aren't able to do it yourself. 'I recommend all clients have a power of attorney in place in case they do start to lose mental capacity,' Spencer said. • Do I need to update my power of attorney? A lasting power of attorney is an official document that gives someone the authority to manage your financial and medical interests if you are no longer capable. There are two types of power of attorney — ordinary and lasting. The first is used as a temporary measure, for example if you are overseas and cannot do it yourself. The lasting power of attorney comes in two forms — health and welfare, and property and finance. One allows someone to make medical decisions on your behalf, while the other covers your money. It is usually advisable to have both. You can apply for both at the same time and must have them in place while you still have the mental capacity to give someone the authority to act for you. The forms can be downloaded from and each costs £82. You get a 50 per cent discount if your pre-tax income is less than £12,000 a year.

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