Martin

BBC and ITV money expert Martin Lewis has offered important advice as he said “it’s just not worth doing if you can possibly scrape to do it”

Martin Lewis has warned of the “devastating consequences” people could face if they decide to save a few pounds on an important process. Martin issued the warning as he apologised to a woman in her seventies in advising her on her financial situation. The woman, Mags, is 73 and has been with her husband for 14 years – although they decided from the start to have separate bank accounts.

She contacted Martin for some advice to enable one of them to take charge of the other’s finances when that becomes necessary with age and declining health in the future. But she said a route repeatedly favoured by Martin was “too expensive right now” – yet still wanted to sort something out quickly due to their ages.

She asked the money expert on the latest episode of the Martin Lewis Podcast: “My question is what are the options left for us to ensure that either one of us is able to take charge of the other’s finances before it’s too late?” Martin did not hold back as he apologised and said “forgive me with my really blunt answer”.

He told Mags about “nightmare stories” of people who did not have one document in place that can help people when they can no longer look after themselves. He said those people instead had to go through a lengthy legal procedure via the court of protection – and he said trying to avoid just coughing up in the first place can lead to “devastating consequences”.

Martin, founder of the Money Saving Expert website, said: “It can be very difficult to get through. People tell me nightmare stories about it and it takes a long amount of time.” He then went on to explain why the couple could avoid such a process by spending as little as £200 together – or even less.

Martin says he has a ‘really blunt answer’ for Mags

The document he was talking about is called a lasting power of attorney. The gov.uk website on the subject – you can visit it here – explains that this is a legal document that lets you appoint someone to help you make decisions, or to make decisions on your behalf. The government says it “gives you more control over what happens to you if you have an accident or an illness and cannot make your own decisions”.

Martin, known for his BBC podcast and ITV programme the Martin Lewis Money Show, said: “Power of attorney is set up to prevent you having to go to the court of protection so that you can say now I am giving this person the ability to take over my finances if I can’t. So you’ll forgive me with my really blunt answer, but there isn’t really a route. You have to be giving somebody the ability when you’re ready and you do lose your faculties.” He admitted that it can be expensive to go through a solicitor. This route can potentially cost between £400 and £750.

You can register them yourself for £92 in England and Wales. If you earn less than £12,000 and can provide evidence, you can get one for £46. But Martin warned that they can be difficult to fill in yourself – and warned many are rejected. Instead, he suggested spending a small amount more – around £100 each or in Mags’ case about £200 overall.

This route is the Which? Wills service – an award-winning service offered by consumer watchdog Which? Their specialist lawyers and paralegals can help you get your lasting power of attorney sorted.

Which? says the process involves:

• answering a few questions to find the right documents
• Following their guidance notes to fill in the documents
• When you have completed the documents, Which?’s specialists will review the paperwork to ensure it is legally compliant

When Mags asked in her question to him what other routes there were that were cheaper than a power of attorney, Martin’s response was simple. “None,” he said. “Power of attorney. Sorry to be really blunt on this. That is exactly what a power of attorney does. If you do not have power of attorney, especially with your separate bank accounts and your separate finances, if one of you were to lose your faculties, so the other has to take over, you would have to go to the court of protection. To apply for it. It’s massively more expensive than power of attorney.”

He said a power of attorney costs £99 in Scotland and £189 in Northern Ireland. Martin said the documents can be filled in on your own, but said that “to be really blunt” you have to be very diligent and experienced at filling in forms.

Advising Mags to listen to his message on power of attorneys, he said: “If you forgive me, at your age, where the risks of losing faculties do increase with age, and with your separate bank accounts, this is a good use of money. I’m sorry. I’m sorry. I know you don’t want to spend it, but do your power of attorney.”

Why Martin Lewis says a power of attorney is more important than a will

He admitted that the process can be expensive and lamented that it wasn’t cheaper. But he said they are even more important than a will. He said: “When you’re alive, you might have the cost of your care, your mortgage might need paying if you’re by yourself and all of those other things.

“And without a power of attorney, the Court of Protection takes a long time. The people you love trying to look after you can be locked out of your finances even to pay for your necessities, which is why while I think wills are incredibly important and the vast majority of people should have them, for me power of attorneys are even more important because the consequences of not having one can be devastating.

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“And I’ve known a number of people, especially through Covid and other times, who haven’t had them set up and it just massively compounded the already, let’s be honest, grief and hassle that you have when your loved one has lost capacity. To add on top of that the huge administrative stress and burden that not having a power of attorney goes through. It’s just not worth doing if you can possibly scrape to do it.”

Find out more about getting a power of attorney with Which? Wills here. Listen to Martin’s full podcast here. Read the MSE guidance on power of attorneys here.

Early in “Queen at Sea,” there’s a sex scene. It’s brief and shows little, but the fleeting moment will inform everything that happens in writer-director Lance Hammer’s crushing second feature. This movie about consent and dementia — and ultimately, far much more — hinges on a questionable act that provokes a hasty emotional reaction. In the process, a family tries to come to the aid of its ailing matriarch, presented with only a series of unappealing options, each more unbearable than the next.

Juliette Binoche is beautifully fragile as Amanda, the dutiful daughter of Leslie (Anna Calder-Marshall), who herself has been married to second husband Martin (Tom Courtenay) for 18 years. Amanda and her teenage daughter Sarah (Florence Hunt) visit the older couple’s London home one morning, shocked to open their bedroom door to find Martin on top of Leslie, thrusting away. But embarrassment quickly gives way to anger for Amanda: Leslie has advanced dementia and her doctor has told Martin that he can no longer have sex with Leslie because she doesn’t possess the mental acuteness to give consent. Furious at her stepfather, Amanda phones the police, hoping the authorities can put a scare into him.

But Amanda’s call has unintended consequences. When the police arrive, they arrest Martin, advising Amanda that she take her mother for a “forensic medical examination” — or, as Amanda puts it bluntly, a rape exam — to ensure she has not been injured. Amanda’s rage quickly morphs into panic because she knows how dependent the childlike Leslie is on her husband, who functions as her primary caregiver. She just wanted to teach Martin a lesson, but soon, social services intervene to determine whether the elderly couple has to be separated for Leslie’s safety.

Even before the police becomes involved, Hammer hints at his film’s tense tenor. You can feel it in how he shoots the house’s severely winding stairs — dangerous for Leslie and Martin to navigate — from occasionally vertiginous angles. The camera rarely moves as we spy charged conversations from a distance, sometimes from another room or from a floor above the characters. We’re intruders, stealing glimpses of a private domestic drama not meant for our prying eyes.

Unlike previous terrific pictures about dementia (such as “The Father”), “Queen at Sea” is less about the crippling condition than it is the fulcrum for a troubling exploration of several topics: mortality, love, parenting and the grim futility of everything. Similarly, although Hammer takes seriously the question of consent, he widens his narrative’s lens to provide a thoughtful, complex view of the issue. Martin adores his wife, insisting that their doctor is wrong and that Leslie, in fact, does understand her sexual urges. To back up his argument, he informs Amanda that, frequently, it is her mother who initiates sex. But is that because dementia has robbed Leslie of the ability to modulate her urges? “Queen at Sea” offers no answers, leaving the viewer as uncertain as Amanda, who wants to protect her mother but cannot deny how drawn Leslie is to her kindly husband.

At the film’s heart is a terribly relatable family conflict in which each character assumes that they know best. Binoche plays Amanda with a surfeit of tenderness for her mother, who goes from being lucid to infantile without warning. (Calder-Marshall poignantly channels the silent helplessness that consumes those with dementia, making her an unstable chemical compound always on the verge of explosion.)

Just as fiercely loyal as Amanda, Martin vainly advocates for his beloved, knowing that Amanda has power of attorney and, therefore, the upper hand. Courtenay gives a marvelous performance suffused with simmering rage: To Martin’s way of thinking, it was Amanda’s foolish overreaction to seeing them have sex that led to all these problems. That feeling of betrayal resides on his face for the rest of “Queen at Sea,” even as he and his stepdaughter negotiate a wobbly truce concerning Leslie’s future, which includes an unexpectedly fraught trip to a care home.

Hammer has not made a film since 2008’s “Ballast,” another spare drama about brittle lives. Eighteen years later, his formal command remains formidable. Eventually, Hammer starts cutting away from the central narrative to focus on Sarah as she hangs out with friends and spends time with a cute boy, James (Cody Molko). At first, these carefree interludes seem to be a welcome respite from “Queen at Sea’s” choking anxiety. But as Leslie’s situation grows increasingly complicated, Sarah’s emerging love story proves to be a bittersweet, ironic counterpoint. Maybe Sarah will find love and great sex — like her parents and grandparents before her — but the shadow of despair that has descended on her family will someday come for her. She’s still too young to know how impossible aging can be.

The only grandchild of celebrated civil rights leaders Martin Luther King Jr. and Coretta Scott King just voted for the first time, and she says she wants to lead the way her grandparents did.

Yolanda Renee King took a break from her social justice studies at Columbia University in New York City to return to her hometown of Atlanta to vote in the 2026 midterm elections alongside her parents, Martin Luther King III and Arndrea Waters King. The occasion was a momentous one for Yolanda, who turned 18 in May. “It’s such a full-circle moment,” she told ABC. “Finally, I can actually go.

“For such a long time, I would always tell people the importance of voting, but I could never participate myself as a voter firsthand,” she said. “But now I think it’s so special that I have a say.”

Yolanda King, who penned the children’s book “We Dream a World: Carrying the Light From My Grandparents” back in 2024, has been especially busy this year, putting out calls to action for fellow teens who are now eligible to vote — in the media, on Instagram, and even at the Lincoln Memorial in August, for the 63rd anniversary of the March on Washington, where she spoke during the “Defend the Vote” rally.

According to the Center for Information & Research on Civic Learning and Engagement, close to 50 million youth ages 18 to 29 are eligible to cast ballots, including more than 8 million newly eligible voters since the 2024 election. Although data are still being collected, at the time this article was published, 66% of that group of voters cast their ballot for a Democratic candidate for the U.S. House of Representatives, compared with 31% for a Republican candidate. And 11% of all votes in the 2026 midterms were cast by young voters.

In an op-ed published by Teen Vogue on Monday, King wrote of the unique challenges she sees her generation facing including inflation, immigration enforcement, climate change, the rising cost of education paired with dwindling hopes for homeownership, restrictive voting policies and more. “The cost of living is reaching a breaking point, as a war in Iran continues with seemingly no solution in sight,” she wrote. “And the rise of AI brings a kind of uncertainty to jobs and the environment that no one has known before.

“This doesn’t take anything away from what came before us,” she continued. “My grandparents’ generation faced segregation, violence, and jail cells, and their challenges were staggering. But our time is ours, and so is what we feel living through it.”

King said that she felt the weight of those challenges in August, when she spoke at the same place, on the same day, where Martin Luther King Jr. gave his “I Have a Dream” speech in 1963. “It wasn’t just about using my voice; it was about my first vote,” she wrote. “And it felt like my grandparents were right there with me, whispering: ‘It’s your turn.’

“I want to lead the way they did. But know I am still learning.”

King’s mother posted CNN coverage of her daughter’s first vote on Instagram, writing alongside the clip that the election day was a personal one for the family. “The little girl whose hand we held is stepping into a responsibility her grandparents — and so many others — sacrificed so much to secure. … There is something deeply moving about watching your child take her place in a story that began long before her.”

King’s father commented on the post as well, sharing words from his own dad: “My father said, ‘A voteless people is a powerless people.’ When [Yolanda] was little, we took her to the polls with us, and she’d wear our ‘I voted’ stickers and pretend she’d voted too. This morning on CNN, she shared why she’s finally ready to use her own voice, especially now that the Voting Rights Act has been hollowed out. There is nothing more powerful than our vote.”

MARTIN Scorsese’s daughter Francesca turned heads this weekend with her VERY sexy look on the red carpet.

The 26-year-old actress showed off her dangerous curves in see-through blue lingerie at Heidi Klum’s Halloween party in New York on Saturday.

Francesca – the youngest daughter of iconic filmmaker Martin, 84 – arrived to the big bash in a plunging blue nightie and nude fishnet tights.

She completed the look with a sparkly cape, silver heels and a round purse.

Francesca proudly reposted her most glam photos to her Instagram page on Monday.

Heidi hosted other big names at her famous annual bash, including Ice-T and wife Coco Austin as a sexy burglar, Neil Patrick Harris and his husband David Burtka, Questlove, and Taylor Momsen.

Francesca has appeared in a number of her father’s films over the years, including The Departed and The Aviator.

She has defended being a nepo-baby, insisting it’s “natural” for kids to follow in their parents’ footsteps.

 “It just became like a word that everyone started throwing around,” she said in July.

“And the funniest thing is I used to think it was a good thing.

“If my dad was a doctor, I’d probably be a doctor, you know what I mean? I think kids just look up to their parents naturally.”

Despite her nepo-baby pride, Francesca is carving her own path in Hollywood.

She has become an influencer with nearly half a million TikTok followers, and even directed miniseries Family Blend starring her famous father.

As a nation, we give thanks this month, and readers can, too, since November’s new releases include several kinds of fiction (sci-fi, climate dystopia and thriller, among them) and nonfiction featuring a memoir from a nonagenarian legend, an octogenarian legend and an almost-septuagenarian legend. Happy reading!

FICTION:

Stations: A Novel
By Louise Kennedy
Riverhead Books: 288 pp., $28
(Nov. 3)

Kennedy (who penned the international bestseller “Trespasses”) is Irish and knows that country’s Roman Catholicism well, which means that her latest book’s title signals differences in class and status — but also has that whiff from the church thurible that signals the Stations of the Cross, or the Way of Sorrows. Roisin, a teen in 1982, falls hard for her friend Tina’s upper-class boyfriend, Red Camelin. She’ll undergo her own sorrows when she finds him again, in London, living in a squat.

A Glacier’s Guide to Dying: A Novel
By Michelle Porter
Algonquin Books: 272 pp., $29
(Nov. 3)

Robbie, a young Métis man, thinks the best way to find his missing father is through his Anglo uncle, Doug, who lives in Montana. When Robbie and his mother travel by bus from Alberta, Canada, they part ways for a time before he discovers raging wildfires threaten her location. Meanwhile, Doug has made a confession that haunts the men as they follow a pregnant bison onto an unstable glacier. It’s an unusual, slightly surreal, meditation on climate change.

Monsters of Ohio: A Novel
By John Scalzi
Tor Books: 272 pp., $30
(Nov. 3)

It’s a familiar scenario: A civil servant gets laid off and moves back in with family, far from Washington, D.C. Scalzi’s latest sees Mike Boyd return to Richland, Ohio, where the town’s major employer might be shutting down, and strange things are happening to mammals both two- and four-legged. As Mike teams up with a few pals, a police officer and an events organizer, a funny and remarkably optimistic story of small-town resistance unfolds.

This Impossible Life: A Novel
By Chinelo Okparanta
Mariner Books: 432 pp., $32
(Nov. 10)

Okparanta’s “Under the Udala Trees” was set during the 1960s Biafran War; her new novel takes place in 1993, as siblings Alohan and Ivie, ages 11 and 4, face a family tragedy that eventually leads to their separation. As the brother and sister forge lives, more tragedies occur. However, the author wants readers to see that displacement of many kinds, malignant or benign, can have far-reaching consequences — and sometimes those can be overcome.

27 Knots: A Novel
By Martin J. Smith
Open Road Media: 334 pp., $26
(Nov. 24)

The title refers to knots tied in a U.S. Navy Riverine force beret, each knot symbolizing what the men in those units believe is “an assassination in the name of duty.” Fifty years ago, the teenage Vance was sent to Vietnam and hunted down Viet Cong forces in the Mekong Delta. Today, he’s headed to Washington, D.C., for the funeral of a comrade — but another of his comrades might threaten his carefully constructed life. A thoughtful and riveting thriller.

NONFICTION:

Just a Shot Away: Martin Scorsese’s Life in Film
By Mark Binelli
Metropolitan Books: 544 pp., $36
(Nov. 3)

“As far back as I can remember, I always wanted to be a gangster,” says Henry Hill in “Goodfellas,” and what better way to be a gangster than to create your own? In this hefty biography of director Martin Scorsese, long-time journalist Binelli leaves no reel unturned as he chronicles his subject’s Little Italy origins, years as a “functioning cokehead,” and rise to fame through films including “Taxi Driver,” “Raging Bull” and “The Departed.”

Take My Word for It: A Memoir
By LeVar Burton
Random House: 352 pp., $32
(Nov. 10)

Burton’s multifaceted roles as Kunta Kinte in “Roots,” as Geordi La Forge in “Star Trek: The Next Generation” and as the host of “Reading Rainbow” have affected his life deeply. As he explains in his lovely memoir, Kunta Kinte allowed him to understand Blackness as a cultural phenomenon, while Geordi LaForge lived in a future where Blackness was no longer an issue — and his passion for liberation led to encouraging kids to “Take a look, it’s in a book.”

China Whisperers: The Voices that Have Shaped America’s Views of Its Chief Geopolitical Rival
By Robert D. Kaplan
Scribner: 448 pp., $32
(Nov. 10)

While we watch shows like “The Diplomat” and “Black Doves” focusing on our country’s European allies, another global power deserves attention. As longtime political expert Kaplan explains, our understanding of China has been filtered through the perspectives of groups that include today’s technophiles and linguists, who help our government negotiate a land of great progress and huge differences. Perhaps we should send Jack Reacher to Beijing?

The Last Leaf: Reflections on Late-Life Creativity — and My Longest Love Affair
By Willie Nelson
Penguin Press: 208 pp., $30
(Nov. 10)

Leave it to the tireless singer-songwriter and ganja connoisseur to give his new book such a punny title (and one that also references his song “Last Leaf on the Tree”). Nelson claims he’s slowing down in his old age, but given his prolific touring and recording, plenty of young musicians want what he’s having. His focus on living in the present, his decades-long marriage to wife Annie, and memories of true friends all show Nelson’s wisdom.

Secrets: A Reporter’s Memoir
By Bob Woodward
Simon & Schuster: 592 pp., $35
(Nov. 24)

Since, along with his colleague Carl Bernstein, Woodward once held that most secret of secrets — the identity of the Watergate informant known as “Deep Throat” — it’s fitting for him to use it as the title for this engrossing memoir. He’s covered everything from the White House to the Pentagon; expect a long list of source names, some of whom, Woodward says, permitted him to do so, while others are now a matter of public record.

Patrick is a freelance critic and author of the memoir “Life B.”

Celtic still hold a four-point lead at the top of the Scottish Premiership, and will extend that to seven if they beat Falkirk on Sunday, with Rangers in League Cup action.

The defending champions have only lost once, at home to Rangers, in the league but have three Europa League defeats from three amid fan discontent and a boycott of some games by the Green Brigade fans group.

McGregor is not the first senior player to speak about Celtic’s lack of control in games, with defender Cameron Carter-Vickers saying after their Glasgow derby loss that the team were “too random” in their play.

O’Neill, though, says the group will improve as more players get up to speed across the course of the winter and in the meantime are doing enough in the league.

“I come in here [to the press conference] every single week and I’m most of the time pretty buoyed by things,” the Northern Irishman said.

“Don’t try and throw a lot of divides in at the end of the day, we’re doing fine.

“A lot of lads here didn’t even do pre-season with us. A number of players came in quite late on, so it will take time for us.

“So we need to hang in there, and at this minute I think we’re hanging in.”

This method could reduce the cost of your Ryanair flight

Those planning holidays in the coming months may be looking for ways to keep costs down, with opting for a budget airline being a popular choice for this. But even cheaper airlines including Ryanair, easyJet and Wizz Air can quickly add up when booking flights, choosing seats, and checking luggage.

However, there are ways to keep costs down, and Martin Lewis‘s moneysavingexpert.com has shared a number of tips and tricks for Ryanair customers, including one that involves booking your outbound and return flights separately. Start by searching for your outbound flight as a one-way ticket, and then in a second browser search for your return flight.

When searched this way, the return flight will appear in the currency of the country you are flying from, and will often be cheaper than it is in pounds – although it’s definitely worth double-checking before booking.

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The experts also warn that this likely won’t be cheaper if your bank has a foreign transaction charge, so you’ll need to check this before booking, or you may end up actually paying more for your flights.

You’ll also need to opt out of Ryanair’s guaranteed exchange rate, or you’ll still end up paying in pounds rather than euros or other foreign currencies.

While this method often leads to savings when jetting around Europe, the experts have noted that it can sometimes end up more expensive when purchasing with non-Euro currencies.

To avoid extra charges when at the airport, ensure that your cabin bag and checked luggage fit the airline’s rules, especially when flying on a budget airline, as they are typically stricter when it comes to these rules.

You’ll also need to check-in and download ahead of time when flying with Ryanair, otherwise you may end up having to pay up £40 per person, per flight – setting you back £220 for a family of four before you’ve even boarded your plane.

Tuesday’s 4-0 thumping of Bromley followed the 2-1 win over Doncaster which dampened the external noise.

Martin – a sometimes polarising personality with fans who have criticised his style and ability following a 17-game spell at Rangers last season – had been the target of anger following two wins in eight which left them 17th in League One and a point above the relegation zone.

Home defeats by Burton, Oxford and Peterborough were a world away from the Champions League quarter-final against Atletico Madrid in 2017.

That has little bearing internally at the club and BBC Sport can reveal the Foxes were working under a transfer embargo for five weeks in the summer.

It related to the EFL’s Salary Cost Management Protocol (SCMP) with an independent Club Financial Review Panel agreeing future Premier League distributions within Leicester’s SCMP calculation could not be used to increase their spending capacity.

It meant the club could not sign players until they brought money in, although it only disrupted the order of summer business.

Jeremy Monga and Abdul Fatawu were not sold until the middle of July and only after Monga left for Manchester City on 11 July were the Foxes able to bring in Conor Chaplin and Alex McCarthy five days later.

Four of the starting XI on Tuesday signed on deadline day and 66% of the players joined after the season started.

Leicester missed out on targets who were not willing to wait but Chaplin, McCarthy and Wes Burns were just three who were prepared to hold on to join Martin.

It is the relationships the head coach has built and something which has started to turn the tide at Seagrave.

Martin inherited a broken, expensive squad, which had lost the faith and connection with supporters and a dressing room which let egos get in the way and lacked work ethic.

In a different financial reality, it needed to be stripped back and, including loans and academy exits, 34 players left the club in the summer and 16 arrived.

Sources have told BBC Sport the atmosphere at the club has now markedly improved.

The £100m training ground is one of the best in the country – with a herb garden and golf course – but has been seen as part of the problem over the decline in standards.

Players have been allowed to become too comfortable but Martin has worked hard to change the culture and behaviours.

There is a blanket ban on mobile phones in the canteen and anyone breaking the rules is not fined, they run.

Players – and staff – have to run the length of the pitch and back in 35 seconds three times, with a 35-second break in between.

The same punishment is handed out for lateness, with Martin and his senior staff also adhering to it to set the standards.

Earlier this season players left tape and drinks at the swimming pool and were shown a picture the next day. The punishment was the same. Run.

MARTIN Freeman looked happier than ever as he made a rare red carpet appearance alongside his girlfriend Rachel Benaissa.

The Sherlock actor, 55, was joined by the French actress, 31, at the premiere of his new film A Long Winter during the BFI London Film Festival on Wednesday evening.

The couple, who have been dating since 2020, shared a giggle as they posed together for photographers at the glamorous event.

Martin looked dapper in a dark suit with a patterned shirt and white T-shirt underneath, while Rachel opted for a blue striped shirt tucked into high-waisted black trousers and chunky heels.

The pair stood close together on the red carpet, with Rachel showing off her voluminous curly hair as they smiled for the cameras.

Martin stars alongside Outlander actress Caitríona Balfe and Fred Hechinger in A Long Winter, which follows a family preparing for the harsh winter months in the American mountains.

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The actor previously spent 16 years with his former partner Amanda Abbington, with whom he shares two children, Grace, 21, and Joe, 18, before their split in 2016.

Rachel, who has appeared in Normal People, This Way Up and Netflix film Irish Wish, has since become a familiar presence in Martin’s family life.

The actress previously appeared in a TikTok video shared by his daughter Grace, dancing alongside the family to a song from Martin’s festive film Nativity.

Martin has also offered a rare insight into their relationship, revealing on Jessie and Lennie Ware’s Table Manners podcast that the couple enjoy cooking together.

Speaking about Rachel’s love of food, he said: “She’s not a Cordon Bleu… she’s a massive cheese and wine w****,” before adding: “That’s what she would say about herself.”

He continued: “She says that about herself, ‘I’m a cheese and wine w****’. It’s not all she is, but no, she loves all that stuff. We like cooking.”