1. Man, 33, injected himself with his own SEMEN to treat back pain
  2. Grounded new planes, routes, safety inspections
  3. Ex-NFL Pro Bowl wide receiver details past relationship with Jeff Bezos’ girlfriend Lauren Sanchez
  4. YouTube warns against Bird Box-style prank videos risky memes rage
  5. Ghost news: Man left TERRIFIED after re-watching video of him entering house
  6. New sexual misconduct allegations emerge against CBS boss
  7. Education publishing group Pearson sees share price fall 6%
  8. ‘Star Wars 9’ teased by John Boyega with bloody on-set photo
  9. War on sale of treats: Sweet ban in obesity fight
  10. Tottenham 0-0 Man Utd LIVE: Score and Premier League latest, Paul Pogba & Harry Kane start | Football | Sport
  11. 15 amazing Google tricks you never knew before now
  12. California Gov Gavin Newsom pledges unemployment benefits to furloughed federal workers
  13. Can ageing be delayed, stopped or even reversed? BBC News
  14. Kate Middleton’s brother James Middleton reveals secret battle with depression
  15. Scientists prove men are more sensitive to pain than women
  16. Spanish Civil Guard make 15 arrests following investigation into tennis match-fixing
  17. The future of driving: Audi puts VR games in every car as autonomous vehicles are unveiled at CES
  18. Blood Moon 2019: What is Blood Moon prophecy? Is Super Blood Wolf Moon sign of end times?
  19. Bernie Sanders’ 2016 presidential adviser accused of sexual assault
  20. Ford to cut thousands of jobs across Europe as it seeks to cut costs
  21. Is Donald Trump a danger to national security? BBC News
  22. Fortnite gnomes: ALL chilly gnomes map locations, week 6 challenge guide | Gaming | Entertainment
  23. 30million NHS consultations could be conducted through Skype-style videos
  24. Five Carry-On Essentials for Travelers Who Love to Pack Light
  25. Charles Barkley compares NBA All-Star Game fan voting to presidential election
  26. As CES kicks off, home items are getting smarter and creepier, like it or not
  27. Mutant one-eyed cow worshipped ‘as a GOD’ after ‘miracle’ birth
  28. Brexit: PM ‘working to get further EU assurances’
  29. How much money do I need to save for my pension?
  30. Canada officially apologises: BBC News Review
  31. Meghan Markle’s father says he’s ‘very upset’ by alleged Kate Middleton feud: ‘They should put their differences aside’
  32. Retiring abroad in 2019? Consider these top 5 locations
  33. China releases 308lb rover named Jade Rabbit 2 to trundle across the far side of the moon
  34. Elvis alive? Tape of the King speaking ‘four years AFTER death’ REVEALED
  35. Pelosi: ‘Open discussion’ on whether Trump could be indicted in office
  36. UK’s largest online musical instrument and equipment specialist Gear4music sees shares halve
  37. MyHeritage DNA on BBC world news
  38. ATLAS game update: Patch notes and server status latest revealed by Studio Wildcard | Gaming | Entertainment
  39. US set for unprecedented outbreak of mysterious polio-like virus in 2020
  40. Steelers star Antonio Brown benched after dispute with Ben Roethlisberger, report says
  41. Facebook’s Zuckerberg blasted for ‘out of touch’ year-end post after scandal-plagued 2018
  42. End of the World: Rapture to start the apocalypse in 2019 says Bible
  43. Trump’s most memorable Twitter bombshells of 2018
  44. What will 2019 have in store for landlords?
  45. Reviving Italy’s ghost towns with an unusual hotel – BBC News
  46. Alexandra Richards gets engaged, dad Keith Richards and mom Patti Hansen ‘could not be happier’
  47. Measles fears in New Jersey airport
  48. U.S. airlines bristle at expansion of Qatar-backed Italian airline
  49. Andrew Strauss wife Ruth dies aged 46 after battling lung cancer
  50. Elon Musk asks judge to toss lawsuit filed by diver he called ‘pedo’
  51. Maine governor scribbles ‘stolen election’ on certificate confirming Democrat’s election win
  52. RAY MASSEY: Vauxhall’s grand design… I get behind the wheel of the first car I ever owned
  53. Is this safest place in the world? BBC News
  54. 14 Days of Fortnite: Christmas trees, goose nests, giant candy canes map locations | Gaming | Entertainment
  55. Prostate cancer: How to get involved
  56. 4 Men Held in Tourist Killings in Morocco. Denmark Calls It ‘Act of Terror.’
  57. Prolific streaker has pulled stunt more than 500 times across several sporting events
  58. Prolific streaker has pulled stunt more than 500 times across several sporting events
  59. Facebook’s lonely conservative takes on a power position
  60. ‘Wrong to ignore’ ethnicity of grooming gangs – Javid
  61. Thousands of bargain hunters queue from MIDNIGHT ahead of Boxing Day sales
  62. World’s oldest message in a bottle: BBC News Review
  63. Former ‘Apprentice’ star Elle Stevenson left ‘almost blind’ in brutal mugging
  64. Diabetic, 33, with erectile dysfunction hopes a ‘vampire penis injection’ will allow him to conceive
  65. London Gatwick drone sighting again shuts airport
  66. Transfer news LIVE: Bayern deal agreed, Man Utd demands, Arsenal, Liverpool, Barcelona | Football | Sport
  67. Apple may revamp the iPad Mini in 2019, report claims
  68. Alien news: Bizarre creature washes up on Australia
  69. Former Trump aides break their silence on Woodward book
  70. SUNDAY NEWSPAPER SHARE TIPS: Anglo Asian Mining, Gordon Dadds, Big Yellow and Dechra Pharma
  71. BBC World News – Channel Refresh
  72. Johnny Depp dropped from 'Pirates of the Caribbean' franchise, Disney producer confirms
  73. Sadiq Khan accused of being a ‘Scrooge’ for junk food advert ban
  74. Holiday cheer, history and great food in Berkeley Springs
  75. Kick It Out face questions over ‘serious incident at training day’
  76. DOJ charges Chinese nationals with ‘extensive’ hacking, stealing from tech companies, government agencies
  77. DOJ charges Chinese nationals for ‘extensive’ global hacking campaign
  78. Bank set to keep rates at 0.75% as Brexit uncertainty…
  79. When news goes wrong.. – BBC News
  80. Fortnite doorbell: How to complete ring doorbell week 3 season 7 challenge
  81. Mother and daughter with identical tumours are finally free of the painful growths
  82. If You Can’t Stop Name-Dropping, You’re Not Coming Skiing This Year
  83. Buffalo Bills’ Jerry Hughes gets his helmet stuck on teammate’s jersey
  84. Neil Armstrong’s boot sold for $48,000 as part of an out of this world ‘space auction’
  85. Tupac ALIVE? ’Security guard’ claims body double was used for cremation
  86. Dems, White House refuse to budge over border wall as Friday shutdown looms
  87. Shares in British retailers plunge after ASOS profit warning
  88. The Disruptors – BBC News
  89. Geoffrey Rush accused of inappropriate behavior by ‘Orange Is the New Black’ actress Yael Stone
  90. Baby who caught killer Ebola at just six days old is hailed a ‘miracle’
  91. Pep Guardiola finally dons Manchester City-themed Christmas jumper after not wearing one last year
  92. MIT develops incredible system to ‘shrink’ objects
  93. Bigfoot hunter spots pair of giant ‘red eyes’ lurking in forest
  94. Brexit: More assurances for MPs possible says May
  95. BBC News Review: Hong Kong riots
  96. ‘The Conners’ gets expanded second season at ABC: report
  97. Flu crisis: Number of people having flu jab at GP plummets
  98. Man Accused of Killing British Backpacker Grace Millane Appears in New Zealand Court
  99. Miami Dolphins’ Kenyan Drake wants ball he threw into stands after game-winning TD back
  100. Have you been naughty or nice? Santa ATM checks your TWEETS to decide
  101. Alien news: ‘Rod-shaped object’ BIGGER than Earth spotted moving past sun
  102. DNC chair praises George H.W. Bush: He ‘put country over party every day’
  103. Waitrose wounded as supermarket sales slow to lowest level in almost two years
  104. PM Modi To Inaugurate Tallest Statue In The World ‘Statue Of Unity’ Today | ABP News
  105. Fortnite update 7.01 Creative PATCH NOTES – New featured islands and building tools | Gaming | Entertainment
  106. Baby born after first ever womb transplant from dead donor is shown off by her proud parents
  107. Delta tests out offering most restrictive tickets to frequent flyers
  108. Credit card skimming on the rise as Indiana man gets arrested
  109. Cohen sentencing memo details efforts to help Trump 2016 campaign
  110. INVESTMENT EXTRA: Is it time to get away from travel company Thomas Cook?
  111. Syria air strikes: Latest updates- BBC News
  112. Trump voters were ‘gullible’ in 2016 election, NBC’s Chuck Todd says
  113. President Trump to attend Army-Navy football game Saturday in Philadelphia
  114. British Library to exhibit da Vinci’s notebooks
  115. Google Earth FRENZY as 'ancient megastructure' discovered on ocean floor
  116. How Avenatti’s 2020 aspirations fizzled: ‘Skeletons came to light’
  117. Maps reveal hidden truths of the world’s cities – BBC News
  118. Fortnite season 7 COUNTDOWN: Release date, start time, skins, snow map, servers, leaks | Gaming | Entertainment
  119. Mobile phones are seven times dirtier than TOILET SEATS, finds new study
  120. United Airlines inks deal with Avianca, Copa to grow in Latin America
  121. Raheem Sterling will keep improving, claims Man City teammate
  122. 5 ways to unearth incredible Amazon deals
  123. Antarctica bombshell as ‘pyramids and tunnels’ found on Google Earth
  124. Brexit: Gove warns of referendum if MPs don’t back PM’s deal
  125. Trump apologises to Kavanaugh: BBC News Review
  126. ‘Star Wars’ star Mark Hamill reacts to crime story about suspect named Luke Sky Walker
  127. Christmas recipes that are good for your GUT
  128. Purdue football coach’s high school alma mater receives threat after his decision to stay at school
  129. Dogs aren’t more clever than cats, says study
  130. Alien news: ‘Secret base’ spotted on MOON sparks frenzy
  131. Behind the scenes as the Kavanaugh nomination hit the rocks
  132. Car manufacturing in the UK has fallen again, dropping nearly 10 per cent last month
  133. Top 10: Latest international news and headlines from World
  134. Fortnite vehicle timed trials: ALL map locations for week 10 timed trials challenge | Gaming | Entertainment
  135. First gene-edited babies claimed in China
  136. A treasure trove of ancient history and culture
  137. Transfer news LIVE: Man Utd eye shock deal, Chelsea Hazard update, Arsenal bold move | Football | Sport
  138. Elon Musk thinks humans will have to merge with machines to overcome their ‘existential threat’
  139. Time travel PROOF? ‘Man from 2030’ reveals SHOCK US president
  140. Judge rejects Trump claim that he can’t be sued
  141. Almost one in four pubs have closed down since the financial crisis
  142. India: Has Narendra Modi lived up to expectations? BBC News
  143. Jerry Springer lands his own court show
  144. Stop panicking about indulgence on Thanksgiving
  145. Jane Maas, a Pioneer for Women in Advertising, Dies at 86
  146. Lennon ‘flattered’ by Ireland links but insists he’s happy at Hibs
  147. Share more DNA to protect your privacy in databases
  148. Life on Mars: Humans could look like ALIENS on Red Planet
  149. Catholic University dean resigns after questioning Kavanaugh accuser’s allegations that led to his suspension
  150. Richard Branson’s Virgin Atlantic in takeover talks with regional airline Flybe
  151. Is this the cheapest commute in the world? – BBC News
  152. Holiday Gift Guide 2018 – Best in home and productivity gadgets
  153. Internet may be fuelling hypochondria after ‘Google diagnoses’ surge by more than 8,700% in 3 years
  154. Airlines cancel thousands of flights after Avery surprises East Coast
  155. Kevin Durant slams Mavericks fan who shouted cupcake at him: ‘Watch the f—–g game and shut the f–k up’
  156. Cuomo rips New York Times, CNN, others, over Amazon’s $2.8B incentive package
  157. ISS 20th anniversary: Bizarre videos of ‘UFOs’ spark NASA COVER-UP
  158. Brexit deal: Business groups hit back at DUP’s Wilson
  159. Stopping the cyber-criminals: BBC News Review
  160. Martha Stewart shares her difficult first experience with Uber on social media
  161. Lifting weights for just five minutes can slash stroke and heart attack risk
  162. We’re Reimagining Our Travel Journalism. Tell Us What You’d Like to See.
  163. Why 536 AD was the worst year to be alive
  164. Great Pyramid of Giza: Egyptian Pharaoh ‘HIDDEN in secret chamber’
  165. How will Trump take Amazon move? ‘He will think Bezos made this decision to stick it to him.’
  166. SHARE PUNT OF THE WEEK: Pub chain Fuller’s
  167. Live Statue of Unity: Special coverage of inaugural of world’s tallest statue
  168. Jessie J ‘disappointed’ with fan comparisons to Channing Tatum’s ex Jenna Dewan
  169. NHS system error puts lives at risk as nearly 50,000 women are not sent screening letters
  170. Chiefs fans frustrated after NFL moves game vs. Rams from Mexico City to Los Angeles
  171. Bullets that don’t miss, weaponized insects and more: Innovations from DARPA, America’s secret lab
  172. Alien news: Oregon woman stunned as ’15 shape-changing UFOs’ appear
  173. Mattis heads to US-Mexico border to visit troops awaiting migrant caravan
  174. Telematics insurance has helped cut young driver casualties by a third
  175. Budget 2015 headlines in 4 minutes – BBC News
  176. Michael Douglas says famous dad Kirk Douglas told him his acting debut was ‘absolutely terrible’
  177. Now US regulators vow to ban menthol cigarettes
  178. West Ham midfielder Robert Snodgrass insists his side should be doing better this season
  179. Christian women in Ireland don’t believe in limbo anymore, survey finds
  180. Ancient Egypt bombshell: Shock evidence pyramids built 5,500 years early
  181. California’s Rohrabacher not conceding despite media’s call of Democrat victory
  182. Launch of dedicated ‘Poppy’ bank accounts gives boost for Armed Forces
  183. India’s campaigning Miss World – BBC News
  184. Red Dead Online release date: When does Red Dead Redemption 2 multiplayer come out? | Gaming | Entertainment
  185. Wynn Resorts shares fall 12 percent as it misses earnings estimates
  186. Several former NFL players win midterm races
  187. Facebook starts shipping Portal smart displays
  188. Alien news: Nazi technology ‘exposed as floating bell stuns locals’
  189. Prince Charles won’t speak out when he becomes king
  190. How do I vote if I own shares in a nominee account not paper?
  191. What if UK PM refused to allow another Scottish referendum? BBC News
  192. Legendary stuntwoman Kitty O’Neil dead at 72
  193. Opioid overdoses killed 200 Americans a DAY last year, DEA report reveals
  194. Transfer news LIVE: Neymar to Barcelona shock, Man Utd wage problem, Chelsea swap deal | Football | Sport
  195. Victorian street demolished in Second World War is found in Cornwall
  196. NASA spots huge ‘thermal anomaly’ in Atlantic Ocean sparking frenzy
  197. Avenatti stars in ‘avenging angel’ role
  198. Property prices pushed down by over valuations, a lack of supply and Brexit, say estate agents
  199. CEO Mette Hoffmann Meyer on BBC World News
  200. Jason Aldean, wife Brittany Kerr reveal daughter’s name at baby shower
  201. Phoenix Coldon’s mysterious disappearance perplexes retired officer in new doc: ‘I want to help bring some closure’
  202. Marsha Blackburn leads Phil Bredesen
  203. Is Russia still meddling in US politics? – BBC News
  204. Raheem Sterling arrives for Manchester City training with ‘Fully Paid’ hat
  205. Where to see the best fall foliage across the country
  206. New ‘sensitive’ cervical cancer screening could save women from smear tests after 55
  207. Alien news: UFO spotted ‘taking off from the moon’ in BOMBSHELL clip
  208. Sky finally launches Netflix via its Sky Q boxes
  209. John Schneider reveals ‘Dukes of Hazzard’ memories, weighs in on Tom Wopat troubles
  210. Angela Merkel’s political challenges – BBC News
  211. Essential Gear for Traveling Solo
  212. Paul Zimmerman, acclaimed NFL writer known as ‘Dr. Z,’ dead at 86
  213. Britain’s first double hand transplant patient can now open his door
  214. Ghost news: Man is ‘followed around haunted house by girl in a cape’
  215. Florida mayor accused of asking resident for sex in exchange for neighborhood speed bumps
  216. Is Mike Ashley King of the High Street? As he bags Evans Cycles, what else is in his retail empire?
  217. Kate Middleton reveals royal rule for Prince George, Princess Charlotte
  218. Trump says ‘no’ to migrants: BBC News Review
  219. Manchester United stars arrive for training ahead of Bournemouth clash
  220. NYC airport workers to earn nation’s highest minimum wage
  221. Costa Coffee stores BAN under 16s from buying caffeinated drinks
  222. Brexit Secretary ‘behaving like a thief in the night’
  223. Savills forecasts house prices will rise 15% in five years
  224. ‘Broad City’ star Ilana Glazer’s political event canceled after vandals write ‘kill all Jews’ inside synagogue
  225. World’s Tallest Statue Cost $420 Million, Tivals The Space Needle | NBC News
  226. The home of Bollywood has much to offer travelers
  227. NHL player Evander Kane facing $6M lawsuit as ex-girlfriend claims he reneged on $3M abortion payment
  228. Woman, 24, whose IBS left her looking ‘nine months pregnant’ is now a slim size 10
  229. Kasich: ‘A pox on both houses’ for Kavanaugh confirmation process
  230. Dumbo octopus monster SPOTTED by deep-sea EV Nautilus explorers
  231. Who is George Soros? – BBC News
  232. Dad creates VR world to help daughter – BBC News
  233. David Foster and Katharine McPhee show some PDA at Beverly Hills event
  234. DNA testing websites are ‘scaring women into asking for breast removal surgery’
  235. It Might Not Be a Drinking Problem, but It’s Definitely a Problem
  236. Commerce Department launches audit of steel tariff waivers
  237. Leicester helicopter crash: Schmeichel ‘stopped by police as he ran at burning helicopter’ | Football | Sport
  238. Michael Jackson ALIVE: Frenzy over King of Pop’s ‘nameless empty crypt’
  239. Meghan Markle, Prince Harry breaking royal protocol? 7 times the couple strayed from tradition
  240. ‘Heroic’ TSA agent saves man having heart attack at airport
  241. Hope for the millions of women with endometriosis as scientists edge one step closer to a ‘cure’
  242. Maxine Waters, Schiff among high-profile Dems poised to control committees if House flips
  243. Google Earth spots ‘secret spy plane’ in US military base near Area 51
  244. Parents are paying out thousands for their children to go on school trips
  245. The new MacBook Air makes it near impossible to eavesdrop
  246. Just FIVE percent of US children are meeting the recommended amount of weekly physical activity
  247. Brazilian airline Gol to offer premium class with no middle seats
  248. Retirement contribution limits will rise in 2019
  249. 5 things to binge-watch while spring cleaning
  250. No laughing matter: When exactly did clowns become scary?
  251. Vanessa Trump files for divorce from Donald Trump Jr
  252. Eyelid Lumps and Bumps
  253. 5 Ways Grains Interfere with Weight Loss
  254. Bright Eyes: More Than a Fresh Look
  255. Fighting the flu? This technology tries to help you get well faster
  256. Google hopes AI can predict heart disease by looking at retinas
  257. This startup wants to create a 3D-printed heart
  258. Expert SEO Advice on Marketing Your New Business
  259. Best Tools for Running a Retail Website
  260. How to Create an Exceptional Omnichannel Retail Experience
  261. Jimmie Johnson Mired in Career Worst 28-Race Losing Streak
  262. South Carolina Advances With 79-63 Win Over Buffalo
  263. Thomas Nears No. 1 With Another Short Round in Match Play
  264. Austin serial bomber: Self-described psychopath left behind unemotional trail of murder
  265. ‘Half my family is gone’: Mom mourns Iowa family found dead at Mexico resort
  266. March for our Lives rallies happening in every U.S. state: ‘We’re here and coming to make a change’
Thu, Jan 17, 2019
  1. Man, 33, injected himself with his own SEMEN to treat back pain
  2. Grounded new planes, routes, safety inspections
  3. Ex-NFL Pro Bowl wide receiver details past relationship with Jeff Bezos’ girlfriend Lauren Sanchez
  4. YouTube warns against Bird Box-style prank videos risky memes rage
  5. Ghost news: Man left TERRIFIED after re-watching video of him entering house
  6. New sexual misconduct allegations emerge against CBS boss
  7. Education publishing group Pearson sees share price fall 6%
  8. ‘Star Wars 9’ teased by John Boyega with bloody on-set photo
  9. War on sale of treats: Sweet ban in obesity fight
  10. Tottenham 0-0 Man Utd LIVE: Score and Premier League latest, Paul Pogba & Harry Kane start | Football | Sport
  11. 15 amazing Google tricks you never knew before now
  12. California Gov Gavin Newsom pledges unemployment benefits to furloughed federal workers
  13. Can ageing be delayed, stopped or even reversed? BBC News
  14. Kate Middleton’s brother James Middleton reveals secret battle with depression
  15. Scientists prove men are more sensitive to pain than women
  16. Spanish Civil Guard make 15 arrests following investigation into tennis match-fixing
  17. The future of driving: Audi puts VR games in every car as autonomous vehicles are unveiled at CES
  18. Blood Moon 2019: What is Blood Moon prophecy? Is Super Blood Wolf Moon sign of end times?
  19. Bernie Sanders’ 2016 presidential adviser accused of sexual assault
  20. Ford to cut thousands of jobs across Europe as it seeks to cut costs
  21. Is Donald Trump a danger to national security? BBC News
  22. Fortnite gnomes: ALL chilly gnomes map locations, week 6 challenge guide | Gaming | Entertainment
  23. 30million NHS consultations could be conducted through Skype-style videos
  24. Five Carry-On Essentials for Travelers Who Love to Pack Light
  25. Charles Barkley compares NBA All-Star Game fan voting to presidential election
  26. As CES kicks off, home items are getting smarter and creepier, like it or not
  27. Mutant one-eyed cow worshipped ‘as a GOD’ after ‘miracle’ birth
  28. Brexit: PM ‘working to get further EU assurances’
  29. How much money do I need to save for my pension?
  30. Canada officially apologises: BBC News Review
  31. Meghan Markle’s father says he’s ‘very upset’ by alleged Kate Middleton feud: ‘They should put their differences aside’
  32. Retiring abroad in 2019? Consider these top 5 locations
  33. China releases 308lb rover named Jade Rabbit 2 to trundle across the far side of the moon
  34. Elvis alive? Tape of the King speaking ‘four years AFTER death’ REVEALED
  35. Pelosi: ‘Open discussion’ on whether Trump could be indicted in office
  36. UK’s largest online musical instrument and equipment specialist Gear4music sees shares halve
  37. MyHeritage DNA on BBC world news
  38. ATLAS game update: Patch notes and server status latest revealed by Studio Wildcard | Gaming | Entertainment
  39. US set for unprecedented outbreak of mysterious polio-like virus in 2020
  40. Steelers star Antonio Brown benched after dispute with Ben Roethlisberger, report says
  41. Facebook’s Zuckerberg blasted for ‘out of touch’ year-end post after scandal-plagued 2018
  42. End of the World: Rapture to start the apocalypse in 2019 says Bible
  43. Trump’s most memorable Twitter bombshells of 2018
  44. What will 2019 have in store for landlords?
  45. Reviving Italy’s ghost towns with an unusual hotel – BBC News
  46. Alexandra Richards gets engaged, dad Keith Richards and mom Patti Hansen ‘could not be happier’
  47. Measles fears in New Jersey airport
  48. U.S. airlines bristle at expansion of Qatar-backed Italian airline
  49. Andrew Strauss wife Ruth dies aged 46 after battling lung cancer
  50. Elon Musk asks judge to toss lawsuit filed by diver he called ‘pedo’
  51. Maine governor scribbles ‘stolen election’ on certificate confirming Democrat’s election win
  52. RAY MASSEY: Vauxhall’s grand design… I get behind the wheel of the first car I ever owned
  53. Is this safest place in the world? BBC News
  54. 14 Days of Fortnite: Christmas trees, goose nests, giant candy canes map locations | Gaming | Entertainment
  55. Prostate cancer: How to get involved
  56. 4 Men Held in Tourist Killings in Morocco. Denmark Calls It ‘Act of Terror.’
  57. Prolific streaker has pulled stunt more than 500 times across several sporting events
  58. Prolific streaker has pulled stunt more than 500 times across several sporting events
  59. Facebook’s lonely conservative takes on a power position
  60. ‘Wrong to ignore’ ethnicity of grooming gangs – Javid
  61. Thousands of bargain hunters queue from MIDNIGHT ahead of Boxing Day sales
  62. World’s oldest message in a bottle: BBC News Review
  63. Former ‘Apprentice’ star Elle Stevenson left ‘almost blind’ in brutal mugging
  64. Diabetic, 33, with erectile dysfunction hopes a ‘vampire penis injection’ will allow him to conceive
  65. London Gatwick drone sighting again shuts airport
  66. Transfer news LIVE: Bayern deal agreed, Man Utd demands, Arsenal, Liverpool, Barcelona | Football | Sport
  67. Apple may revamp the iPad Mini in 2019, report claims
  68. Alien news: Bizarre creature washes up on Australia
  69. Former Trump aides break their silence on Woodward book
  70. SUNDAY NEWSPAPER SHARE TIPS: Anglo Asian Mining, Gordon Dadds, Big Yellow and Dechra Pharma
  71. BBC World News – Channel Refresh
  72. Johnny Depp dropped from 'Pirates of the Caribbean' franchise, Disney producer confirms
  73. Sadiq Khan accused of being a ‘Scrooge’ for junk food advert ban
  74. Holiday cheer, history and great food in Berkeley Springs
  75. Kick It Out face questions over ‘serious incident at training day’
  76. DOJ charges Chinese nationals with ‘extensive’ hacking, stealing from tech companies, government agencies
  77. DOJ charges Chinese nationals for ‘extensive’ global hacking campaign
  78. Bank set to keep rates at 0.75% as Brexit uncertainty…
  79. When news goes wrong.. – BBC News
  80. Fortnite doorbell: How to complete ring doorbell week 3 season 7 challenge
  81. Mother and daughter with identical tumours are finally free of the painful growths
  82. If You Can’t Stop Name-Dropping, You’re Not Coming Skiing This Year
  83. Buffalo Bills’ Jerry Hughes gets his helmet stuck on teammate’s jersey
  84. Neil Armstrong’s boot sold for $48,000 as part of an out of this world ‘space auction’
  85. Tupac ALIVE? ’Security guard’ claims body double was used for cremation
  86. Dems, White House refuse to budge over border wall as Friday shutdown looms
  87. Shares in British retailers plunge after ASOS profit warning
  88. The Disruptors – BBC News
  89. Geoffrey Rush accused of inappropriate behavior by ‘Orange Is the New Black’ actress Yael Stone
  90. Baby who caught killer Ebola at just six days old is hailed a ‘miracle’
  91. Pep Guardiola finally dons Manchester City-themed Christmas jumper after not wearing one last year
  92. MIT develops incredible system to ‘shrink’ objects
  93. Bigfoot hunter spots pair of giant ‘red eyes’ lurking in forest
  94. Brexit: More assurances for MPs possible says May
  95. BBC News Review: Hong Kong riots
  96. ‘The Conners’ gets expanded second season at ABC: report
  97. Flu crisis: Number of people having flu jab at GP plummets
  98. Man Accused of Killing British Backpacker Grace Millane Appears in New Zealand Court
  99. Miami Dolphins’ Kenyan Drake wants ball he threw into stands after game-winning TD back
  100. Have you been naughty or nice? Santa ATM checks your TWEETS to decide
  101. Alien news: ‘Rod-shaped object’ BIGGER than Earth spotted moving past sun
  102. DNC chair praises George H.W. Bush: He ‘put country over party every day’
  103. Waitrose wounded as supermarket sales slow to lowest level in almost two years
  104. PM Modi To Inaugurate Tallest Statue In The World ‘Statue Of Unity’ Today | ABP News
  105. Fortnite update 7.01 Creative PATCH NOTES – New featured islands and building tools | Gaming | Entertainment
  106. Baby born after first ever womb transplant from dead donor is shown off by her proud parents
  107. Delta tests out offering most restrictive tickets to frequent flyers
  108. Credit card skimming on the rise as Indiana man gets arrested
  109. Cohen sentencing memo details efforts to help Trump 2016 campaign
  110. INVESTMENT EXTRA: Is it time to get away from travel company Thomas Cook?
  111. Syria air strikes: Latest updates- BBC News
  112. Trump voters were ‘gullible’ in 2016 election, NBC’s Chuck Todd says
  113. President Trump to attend Army-Navy football game Saturday in Philadelphia
  114. British Library to exhibit da Vinci’s notebooks
  115. Google Earth FRENZY as 'ancient megastructure' discovered on ocean floor
  116. How Avenatti’s 2020 aspirations fizzled: ‘Skeletons came to light’
  117. Maps reveal hidden truths of the world’s cities – BBC News
  118. Fortnite season 7 COUNTDOWN: Release date, start time, skins, snow map, servers, leaks | Gaming | Entertainment
  119. Mobile phones are seven times dirtier than TOILET SEATS, finds new study
  120. United Airlines inks deal with Avianca, Copa to grow in Latin America
  121. Raheem Sterling will keep improving, claims Man City teammate
  122. 5 ways to unearth incredible Amazon deals
  123. Antarctica bombshell as ‘pyramids and tunnels’ found on Google Earth
  124. Brexit: Gove warns of referendum if MPs don’t back PM’s deal
  125. Trump apologises to Kavanaugh: BBC News Review
  126. ‘Star Wars’ star Mark Hamill reacts to crime story about suspect named Luke Sky Walker
  127. Christmas recipes that are good for your GUT
  128. Purdue football coach’s high school alma mater receives threat after his decision to stay at school
  129. Dogs aren’t more clever than cats, says study
  130. Alien news: ‘Secret base’ spotted on MOON sparks frenzy
  131. Behind the scenes as the Kavanaugh nomination hit the rocks
  132. Car manufacturing in the UK has fallen again, dropping nearly 10 per cent last month
  133. Top 10: Latest international news and headlines from World
  134. Fortnite vehicle timed trials: ALL map locations for week 10 timed trials challenge | Gaming | Entertainment
  135. First gene-edited babies claimed in China
  136. A treasure trove of ancient history and culture
  137. Transfer news LIVE: Man Utd eye shock deal, Chelsea Hazard update, Arsenal bold move | Football | Sport
  138. Elon Musk thinks humans will have to merge with machines to overcome their ‘existential threat’
  139. Time travel PROOF? ‘Man from 2030’ reveals SHOCK US president
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The amount you can save into a pension ultimately depends on what you can afford – but the longer you leave it the more you will need to save.

Research regularly shows that we put ambitious targets on our hoped for income in retirement and then underestimate how much we will need to set aside to achieve that.

So how much should you save? 

We take a look at what you might want to retire on and how to get there. 

How much do you need to save for retirement? We take a look at what you need to consider

How much do you need to save for retirement? We take a look at what you need to consider

First… a quick guide to pensions 

There are two main types of pension schemes that you encounter through work, defined contribution and defined benefit – with the latter often known as final salary schemes.

The crucial difference is that with a defined benefit scheme your employer promises to deliver you an income in retirement and is responsible for doing so. 

You will most likely have to contribute each month too, putting in the required amount that your employer specifies.

On the other hand if you have a defined contribution scheme, you save into this and get contributions from your employer too. The money is invested to build up a pot, which will then fund your retirement. 

With a defined benefit pension the simple answer to how much to save is straightforward: put in as much as your employer asks for in order to get the pension it promises.

With a defined contribution scheme the answer is more complicated, because the onus is on you to deliver the money you need in retirement – so the more you save the more you will get. 

When you reach retirement you can keep your pension invested and draw money as income, or buy a regular income until you die in the form of a financial product called an annuity.

If you save into a personal pension this will be a defined contribution-type plan. You pay money in, invest it and build up a pot. 

How much do you need in retirement? 

There are a couple of essential things to consider when thinking about how much you would need in retirement. 

The first is that your outgoings are likely to be lower. One general rule used in the financial industry is that someone aged 40 would need about 50 per cent of their current income to have the same standard of life in retirement.

This works on the basis that by the time they retire they will be mortgage-free, not supporting children and no longer spending as much on things such as commuting and other costs involved in going to work each day.

The second thing to consider is the state pension. Under the new flat-rate state pension scheme this is £155.65 per week, which is £8,094 per year.

Allowing for a full state pension, someone targeting retirement income of £23,000 would need other pension income of about £16,000.

The pension pot needed to deliver that income based on taking a 4 per cent income from funds that stayed invested in retirement would be £400,000.

Legal & General has an annuity calculator showing how much income you could expect from a pension pot with an annuity.

How much should you save? 

Obviously, the amount that you need to save each month depends on how big a pension you want.

But it also depends on your age. 

For example, you may get a decent level of retirement income if you start in your 20s by paying in 12 per cent of your salary, but if you leave it until you’re over 40 then you might need to pay in closer to 20 per cent to get the same level of retirement income.

Jamie Jenkins, pensions expert at Standard Life, says: ‘While 15 per cent is a good target to aim for, many people will start by paying less than this and increase their contributions gradually.’

The good news is that the money going into your pension doesn’t just rely on you. Your employer will contribute too and many offer more generous contributions than the bare minimum that auto-enrolment pensions specify.

You also get income tax relief on your contributions into a pension scheme, meaning that you effectively save out of untaxed income. 

There are some general rules of thumb for working out what percentage of your salary needs to be going into a pension, in terms of your and your employer’s contributions.

The most common is half your age from when you started saving from – so if you start at age 30 it could be 15 per cent, whereas if you start at 40 it is 20 per cent.

A more accurate view can be delivered by the wealth of pension calculators our there. Many allow you to put in your age, salary, required pension income and any current pension contributions or pots. You can then play around with the numbers.

Calculators to help you work out your pension saving 

The pension calculator below powered by Fidelity allows you to put in your details and work out how much you might have in terms of a total pot and future income – and compare that against what you hope for.

Investment returns are calculated using projections by the investment specialist and show what you could expect under average market performance and poor market performance (it’s worth noting that you may get lucky and get above average performance).

Future income projections are adjusted for inflation, allowing you to make a direct comparison between your income now and potential future income expressed in today’s terms.

Here are links to some more of the best that we have found:

> Aviva pension calculator

(Shows potential pot and compares drawdown and annuity)

> Money Advice Service pension calculator

(Works on your personal scenario)

> Standard Life pension calculator

(Quick and simple to use) 

The key thing is to look at what your projected income will be when you reach retirement and then try to work out if this will be adequate. 

However, be warned, it can be confusing and demoralising to work out how your savings today will translate into income when you retire.

The reality is that when you start saving for retirement you may not be able to pay in as much as you would like. However, it’s important to remember that payments can be upped at any time and the early you start the better chance you have of building a bigger pot.

HOW MUCH WOULD 15% OF SALARY DELIVER? 

Aviva’s pension calculator suggests a 35-year-old currently on £35,000 who saved 10 per cent of their salary with their employer adding 5 per cent for the rest of their career would build up a pot worth £283,000 by their state pension age of 68.

They are forecast to get a state pension of about £8,000.

If they used income drawdown for retirement they could have an income of £21,000 per year from age 68 to 94, when their pension pot would run out. After this their income would drop to the state pension.

Alternatively, an annuity would deliver an income of £16,915 for the rest of their life.

Investing for retirement doesn’t have to be into a pension

It makes sense to take the maximum advantage of any offer to match contributions that your employer makes.

For example, if they will match up to 5 per cent of what you put in, then putting in that maximum 5 per cent means that you make the most of your employer’s scheme.

Above this level, you will still benefit from tax relief on contributions but won’t get any more boost from your work scheme.

That means that because of the restrictions surrounding pension savings – primarily that you cannot access them until at least age 55 – some people choose to invest extra sums elsewhere. 

So for example, you could put an extra 5 per cent of your salary into an investment Isa, where you do not get any tax relief on contributions but any income that you eventually draw from it should be tax-free.

How to balance a pension against other investments such as an Isa comes down to personal choice.

Top of the pile: The earlier you start saving for retirement, the better. 

Top of the pile: The earlier you start saving for retirement, the better. 

Top of the pile: The earlier you start saving for retirement, the better. 

Pension essentials – the things you need to know 

Defined contribution vs defined benefit 

There are two main types of pension schemes – defined contribution and defined benefit schemes (also known as final salary)..

A defined contribution pension will usually allow members to decide how much of their salary they want to pay in and these payments will matched by their employers, at least up to a certain level.

The money is saved into a pension and then invested into funds with the view that it will grow over the years to deliver a retirement pot.

You are able to track the investments, measure how they are performing and change them if you wish. 

However, it’s up to you to build up your pot needed for retirement, so it’s important to keep payments up once you start and reassess how much you can afford to pay in every few years. 

With a defined benefit pension scheme your employer will usually pay out a certain amount of your final salary when you retire and they will take responsibility for funding that.

There are other types of defined benefit schemes, such as career-adjusted schemes where you’ll be paid a proportion of your average earnings during your employment. 

Different pension providers will run schemes in different ways, so it’s worth checking with your provider for the full details. 

However, defined benefit pension schemes have turned out to be very expensive for companies and as a result they have become rare in private businesses and are usually only offered in the public sector.

Most people with some years left to work will find themselves reliant on a defined contribution pension for a hefty chunk of their retirement income.

Types of work pension 

 Defined contribution pension

A worker agrees to pay in a set amount into their defined contribution pension scheme, say 5 per cent of their earnings.

Their employer may match this, so 10 per cent of their total earnings goes into the pension each month (5% + 5%).

The money is invested in stock market funds and the pot grows over the years. On retirement the saver must take their pot and buy an income with it or draw on it for one.

 Defined benefit pension

 A worker agrees to pay in a certain amount per month into their final salary pension, say 8 per cent of their earnings.

In return, their employer will pay them a set chunk of their final salary for every year they have worked there, in this case one-sixtieth.

Someone who has worked at the company and been a pension scheme member for 40 years would therefore retire on two-thirds of their final salary (40/60ths).

What is pension auto-enrolment about?

Many people have been paying into a pension with work for many years, but not all companies had schemes and this means millions were missing out on saving for retirement

As a result, the government tasked The Pensions Regulator with making sure that employers roll out a scheme considered vital to ensuring that people have more retirement income to top up state pension payments.

The rules mean that if you’re an employee then your employer must offer you a pension scheme. 

These rules if you’re at least 22 years-old and employed with a salary of at least £10,000 a year.

You have the option to say ‘no’ to auto-enrolment if you don’t want to join, but if you do nothing then you’ll automatically get signed up.

By 2018 all employers by law will have to contribute to their employees’ pensions, but to start with only bigger firms had to offer this.

Over 5 million people have been auto enrolled since it started in October 2012, and less than 1 in 10 have chosen to opt out, according to government figures.

The law says a minimum percentage of your ‘qualifying earnings’ must be paid into your workplace scheme, this means either the amount you earn before tax between £5,824 and £42,385 a year, or your entire salary or wages before tax. It depends on how your employer chooses to work out qualifying earnings. 

At the moment the minimum rates are low, with around 1 per cent of your salary from you and 1 per cent from your employer. That will increase to 4 per cent from you and 3 per cent from your employer by 2018.

In practice, minimum amounts may be higher for you or your employer, because of individual schemes rules.

AUTO-ENROLMENT: WHAT ARE THE MINIMUM PAYMENT REQUIREMENTS?
The minimum you pay The minimum your employer pays The government pays
0.8% of your ‘qualifying earnings’ rising to 4% by 2018 1% of your ‘qualifying earnings; rising to 3% by 2018 0.2% of your ‘qualifying earnings’ rising to 1% by 2018

Tax relief on contributions to your pension pot 

Tax relief on contributions to your pension pots means that some of the money that would have gone as income tax goes into your pension instead.

If you pay money into a pension yourself or its taken by your employer from your pay, then you’ll automatically get 20 per cent tax relief.

For example, you’re a lower rate tax payer and you put £80 of your tax-home pay into your pension. You would have earned £100 before income tax was applied, so you would get tax relief of £20.

It gets a bit more complicated if you’re a 40 per cent higher rate tax payer as you can claim relief on the extra 20 per cent – but may have to do this yourself – while top-rate taxpayers can claim back up to their 45 per cent tax rate.

How higher rate taxpayers get their tax relief depends on their pension scheme. Some will have it automatically done for them, others will have to write to HMRC or claim it back through self-assessment. Ask your employer what you need to do.

Tax relief on pensions is limited. It is capped at 100 per cent of your earnings in a year, or by the £40,000 per year annual allowance. A £1million lifetime allowance on the size of a pension pot also applies, which includes money you pay in and what it grows too, above this it is no longer tax efficient to save into a pension.

Personal pensions  

If you’re self-employed or keen to boost your pension pot you can set up your own personal pension in addition – or instead of – your work pension and invest through that too. 

You can opt for a simple stakeholder pension, or a more flexible self-invested personal pension, known as a Sipp.

You also get tax relief on your personal pension pot contributions, as explained above.

Don’t forget about the state pension 

As well as your work or personal pension, those with enough qualifying years of National Insurance payments will get a basic state pension payment provided by the Government – which is now £155.65 per week for a single person under the new flat rate system.

The state pension age is due to be increased over the next few years, you can use HMRC’s state pension calculator to see when you will be eligible for it. 

For a 35-year-old today, the state pension age will be 68. 

Although it might not seem like a big amount it’s a good foundation on which to build your retirement income.   

THIS IS HOW MONEY WORKS 

This is How Money Works is our section that explains the basics of what people need to know about their finances and how to make more of them.

We believe financial education is important, whatever your age, and aim to build up a library of guides, tips and answers to common money questions.

You can find the This is How Money Works section here – with more articles coming soon.

TOP SIPPS FOR DIY PENSION INVESTORS

 



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