shares

He was asked if now is a good time to open an ISA or not

Martin Lewis has offered some advice on how you could organise your savings. He explained the practical tip amid the current uncertainty surrounding the economic impact of the Iran conflict.

The major war has already triggered a surge in oil prices, with fears of long-term consequences for food production and global economic growth.

Mr Lewis was questioned on his BBC podcast about whether now is an opportune moment to open a stocks and shares ISA, given that markets are struggling. When share prices fall, it can present a prime opportunity to invest, as your funds could increase in value when the market bounces back. But if prices decline further, the worth of your holdings could also drop. In response, Mr Lewis outlined the general principle to bear in mind.

He said: “If you’re talking about investing for a long term money that you don’t need for five years and you’re going to do that in a nice spread of investments, like a global tracker fund or an S&P tracker or FTSE tracker, then you just have to accept that you will never know when the perfect time to put money in is.”

£1,000 savings tactic

Nevertheless, he did reveal one strategy you could use to reduce the risk posed by market volatility. Mr Lewis said: “Let’s just imagine you’re putting £10,000 in a stocks and shares ISA, and you’re putting it away for a long time.

“You could put £10,000 in now but you could arrange with the provider that it sits in its cash part. You can hold it in cash, within a stocks and shares ISA, for the moment.

“You could say I’ve got £10,000, over the next 10 months, I’d like you to buy £1,000 a month of that tracker fund that I’m putting my investment into. It’s called pound-cost averaging.

“Because you’re drip feeding the money in, that helps smooth out the short-term volatility of buying at the right moment. So if you’re worried about that volatility, you might want to adopt that tactic.”

Mr Lewis continued in saying that in reality nobody can predict the optimal time to invest. He said: “They are unknowable in the short term, but in a broad spread of investment over the long term, on the balance of probabilities, investing will outperform saving.

“So don’t let the volatility put you off, but you might want to spread the time that you’re putting the money in.”

Major changes to ISA allowances

Savers may also want to note that major changes to ISA allowances are on the horizon. Currently, you can deposit up to £20,000 each tax year, which can be divided as you wish between cash ISAs and stocks and shares ISAs.

From April 2027, you will only be permitted to save up to £12,000 as you choose. The remaining £8,000 will only be available for deposits into investment-based accounts.

Savers aged 65 and over will be exempt from the new regulations, retaining the existing £20,000 allowance. ISAs are entirely tax-free, with no tax liability on any interest earnings or investment gains within these accounts.

The airline shared advice for passengers looking for the best deal on their holiday

Jet2 has issued a message for customers, letting them know that holiday prices can go up or down ‘at any time during booking’. The advice could be helpful for anyone looking for a deal on their next getaway, so customers don’t miss out on any offers.

The package holiday provider has explained that it uses a live pricing system, which can be affected by various factors. As such, customers may wish to book without delay when they spot a deal they’re interested in.

One customer took to social media to share their experience when looking at booking a trip, prompting Jet2 to explain its pricing system. In the post, a customer named Phil claimed: “Jet2tweets almost booked a holiday to Portugal, left it overnight, same holiday had increased by £600!”

In response, a Jet2 team member explained that holiday prices may fluctuate and customers are advised to book at a price they are happy with. In a response posted on April 16, Jet2tweets said: “Hi there Phil, thanks for reaching out.

“Please be advised that when looking for a holiday, the price shown next to ‘Holiday price from’ is live and can take some time to update throughout the website.

“We work on a live pricing system, which is affected by a number of variables such as customer demand, availability, and promotions, meaning our prices are subject to change and can fluctuate up or down at any time during booking.”

The reply continued: “Therefore, we’d always recommend booking at a price you are happy with. We apologise for any disappointment caused. Should you require any further assistance in the meantime, then please feel free to send us a DM.”

Given the response, customers who are wondering about the ‘best time’ to book a holiday may wish to book as soon as they find a deal at the price they want. For passengers looking for cheap flights, the airline also offers money-saving tips on its website.

In a FAQ section on Jet2’s website, the airline said: “What’s the cheapest month to fly? Travelling outside of school holidays, bank holidays and peak summer dates tends to offer the lowest fares.

“You can also find some bargains in the shoulder seasons too, like late autumn, winter and early spring. To find the best prices, check our Low Fare Finder and compare months at a glance.”

80’S ICON Sinitta has shared rare pictures of her two children on social media to celebrate her son Zac’s 20th birthday.

The 62-year-old, who is currently on screens in I’m A Celebrity… South Africa, shared a sweet photo montage on Instagram of her eldest to mark the milestone.

Looking all grown-up, the proud mum uploaded snaps of Zac attending a variety of fancy black-tie evenings, red-carpets, and luxury dinners over the years.

Alongside it, the singer wrote; “Happy Birthday My Beautiful Boy @zac_willner. 20 years old does not seem real. You are the gentle giant, affectionate, kind, smart and funny and so so big now!!!”

‘I Love being your Mom, you are everything I wanted and I love you so much I want you to have everything good that this world has to offer and that you want”

Sinitta married Andy Wilner in 2002, and in 2007, the couple adopted two children – Zac and Magdalena Wilner.

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The couple decided to adopt following several miscarriages and failed IVF attempts during their marriage. 

Her post comes after she recently opened up on her struggle with mental health and how her adopted children gave her ‘a reason to live’ through some of the darkest moments she’s ever had. 

Talking to The Mirror, Sinitta explained how she “wanted to curl up in a ball and shut the world out”.

She recalled the day she took her two children home as ‘surreal’ and ‘scary’. 

Sinitta and Andy Wilner later divorced in 2010 after eight years of marriage/

The singer has since opened up on their early relationship together – calling it a ‘revenge move’ at her previous romance with TV personality Simon Cowell. 

In a recent I’m A Celeb episode, Sinitta revealed that she met Simon in a London nightclub when she was a teenager, and their on-off romance continued to last for 40 years. 

When speaking to fellow campmates, Sinitta explained that Simon “wasn’t a faithful boyfriend” but that she believed they would get married one day. 

Simon isn’t the only high-profile romance the star has enjoyed with Sinitta also dishing in the camp about her relationship with actor and producer Brad Pitt.

The singer, 62, dated A-lister Brad, also 62, back in the late 80s for around two years, long before he went on to marry Jennifer Aniston and, later, Angelina Jolie.

Talking about Brad, Scarlett asked Sinitta during the episode: “You were with Brad Pitt, weren’t you?”

“Yeah, years ago. Before he was actually famous,” replies Sinitta.

Scarlett continued: “That’s unbelievable that. Did you, like, kiss and tha?” with Sinitta confirming: “Yeah, everything”.

In a solo piece to camera in the Bush Telegraph, Sinitta confessed: “Even I do think, wow, it was nice while it lasted.”

The pop star originally burst on to the music scene back in 1986, with her hit single So Macho reaching number two in the UK charts and spending several weeks in the top 10.

After a series of successful songs for Simon Cowell’s record label, she appeared as a judge on The X Factor alongside him for it’s 2004 season during the Judges’ Houses stage.

If you’re planning a cruise holiday this summer, it’s crucial to know the prohibited items list – and one travel expert has shared five things that could be confiscated

Summer is just around the corner, and millions of Britons are busy planning their getaways. Cruises are a wonderful way to explore the world – but if you’re setting sail, it’s vital to know precisely what you can and cannot bring on board.

Packing can be a stressful experience – but knowing what’s permitted and what isn’t puts you one step ahead. Will Sarson, a travel expert with cruise operator Riviera Travel, has revealed the five items you cannot bring aboard a cruise to make your trip that bit smoother, reports the Express.

He said: “When packing for a cruise holiday, it’s important to do your research to understand the list of prohibited items. This can help better planning while packing and help avoid disappointment when items are confiscated.”

His first item to leave behind is alcohol. While not outright banned, many cruise companies have restrictions to prevent passengers bringing their own supply. He said: “Often, travellers are restricted to just a single bottle of wine or champagne – with potential corkage fees for drinking in public spaces.

“With so much alcohol available on board, we recommend leaving the bottles at home to avoid further costs and instead making use of the available liquor found throughout the ship and at varying ports across the world.” His second item to leave at home is your clothes steamer or iron.

Will explained: “Many cruise liners do not allow irons or steamers onboard as they pose a fire hazard. This is an item that constantly catches people out, with travellers forced to part ways with their iron or steamer.

“To avoid disappointment, it’s best to leave these items at home. Many ocean and river cruises have irons or steamers onboard that can be borrowed by guests during their stay.”

Similarly, candles and incense are prohibited owing to the fire risk they present. Cruise personnel will seize these straight away – so it’s advisable to leave them behind.

If you’re fond of your CBD oil, you’re in good company – it’s an extremely popular wellness product for assistance with muscle pain and mental health, but due to its varying legality worldwide, it’s forbidden on cruises. Will stated: “While the product is 100% legal for sale and tender throughout the UK, this is not the case in certain cruise ship stop-off destinations. As a result, the substance is not allowed on board the ship.

His final recommendation may seem entirely self-explanatory, but according to Will, a lot of people don’t realise their pets cannot come with them on their cruise.

He said: ” You’d be surprised at how many people try to gain access to their cruise alongside pets. Domestic animals are typically not allowed on cruises due to the allergy risk and general health and safety aspects that come with allowing cats or dogs on board.”

His final suggestion may appear completely obvious, but according to Will, many people don’t realise their pets cannot accompany them on their cruise.

He stated: “You’d be surprised at how many people try to gain access to their cruise alongside pets. Domestic animals are typically not allowed on cruises due to the allergy risk and general health and safety aspects that come with allowing cats or dogs on board.

“However, animals such as guide dogs are granted access due to the medical assistance they provide. If you’re a pet owner with a cruise holiday booking, it’s best to seek arrangements for your animals, as they generally won’t be allowed to join you on board.”

JASON Statham has shared some very rare family snaps from his holiday to Turkey with fiancee Rosie Huntington-Whiteley and their two young children. 

The actor, 58, took to social media to post photos from their time at five star hotel Regnum at The Crown in Antalya, where rooms cost up to £3,000-a-night. 

Jason and model Rosie, 38, are parents to Jack, eight, and four-year-old Isabella. 

Fast & Furious star Jason showed off his close bond with the kids while they relaxed at the hotel’s stunning crystal cove pool. 

He and Jack were seen taking in the view with their arms around each other, while another snap showed the young lad standing on his dad’s shoulders in the pool. 

Meanwhile Isabella was seen taking a dip in the water and one photo showed proud dad Jason lifting her into the air. 

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Jason didn’t include any photos of Rosie in his upload, which he captioned: “The cave.”

The couple have been together since 2010 and got engaged in 2016.

But Rosie previously confessed they’re in no rush to walk down the aisle.

She told Entertainment Tonight: “We’re looking forward to that time. It’s also not a huge priority for us, we’re so happy.

“I think it will be fun to do it when the baby’s [Jack] grown up a bit and he can be involved in the wedding.”

Rosie and Jack live in a Georgian townhouse in London and have spent two years renovating it together.

Revealing how the process has been, she told Vogue Australia: “Jason has the most impeccable taste.

“He taught me so much about architecture and furniture.”

Rosie added that being in a relationship with Jason for 16 years has been “very grounding”.

GLADIATORS star Jodie Ounsley has shared rare loved-up snaps with her rugby player girlfriend Ellen Ramsbottom.

The pair went public with their romance in July last year and now Jodie has called her other half “my calm in all the chaos” in a gushing birthday tribute.

The BBC One star, known as Fury on the show, took to her Instagram feed to share a series of snaps of the two of them together as well as solo pictures of Ellen.

In one photo, the ladies are glammed up in stunning dresses as they hold hands while walking down a hotel hallway.

In another picture, the two are seen enjoying a beach day as Ellen plants a kiss on Jodie’s face.

She captioned the post: “The person who holds everything together behind the scenes, my calm in all the chaos and the one who makes me cackle like no one else.

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“Happy Birthday, ya special human,” Jodie concluded.

Their fans flocked to the comments section to send the couple some love as one said: “Eugh the beautiful eyes in this relationship is unreal!”

Another person gushed: “You two seem like a ‘forever’ kinda couple. I love it xxxx.”

While a third added: “Happy birthday to your special person.”

Jodie and Ellen first met when they were 16, playing together at Loughborough Rugby.

They went public with their romance last Summer in a YouTube vlog and their relationship appears to be going from strength to strength.

The post comes after Jodie’s dad Phil Ounsley, 56, tragically died after collapsing on one of Yorkshire’s three peaks in December.

She shared the heartbreaking news on Instagram as she penned: “Heartbroken. Yesterday, my dad suddenly passed away while doing one of his favourite things—walking Pen-y-Ghent.

“He had hiked that peak countless times throughout his life, but none of us knew he wouldn’t walk back down that day.

“I don’t have the words. All I can say is that he was, and always will be, my absolute hero.

“He encouraged me to dream big and loved me wholeheartedly, and for that I will be forever grateful. Until we meet again, Dad.”