If I die and my husband remarries, how do I ensure my kids inherit my money?

I want to ensure that if I die before my husband he gets the money, but if he remarried and then died my half would end up with my children not any new spouse or her children. How can I safeguard so that any new wife would not reap the rewards of what we have built up and at some point my children will get something from my estate?

Shoppers outside John Lewis on Oxford Street, London.

PRESS ASSOCIATION Photo. Issue date: Tuesday January 5, 2010. John Lewis said today it had notched up more than half a billion pounds in sales across its department stores after a record-breaking festive season. The group saw comparable sales soar by 12.7% year-on-year to £500.76 million in the five weeks to January 2 thanks to "excellent" Christmas and clearance trading. See PA story CITY JohnLewis. Photo credit should read: Tim Ireland/PA Wire

Embargoed to 0001 Tuesday January 5.
File photo dated 27/12/2009

Until now starters at both John Lewis and Waitrose became 'partners' automatically upon joining the group, meaning they would often received generous annual bonuses.

A view of the Tata Steel processing plant at Scunthorpe which may make 1200 workers redundant on October 19, 2015 in Scunthorpe, England. Up to one in three workers at the Lincolnshire steel mill could lose their jobs alongside workers at other plants in Scotland. Tata Steel UK  is due to announce the Scunthorpe job losses this week.  
(Photo by Christopher Furlong/Getty Images)

As a deadline for formal bids for Tata's UK business passed last night it seemed that all seven offers received could fail unless a Government stand-off over pensions was resolved.

New Top Gear host Chris Evans reveals his top family hatchbacks

Practical, capacious and easy to live with - the family hatchback has a distinctive criteria set to match-up to. Here are the models that did - and didn't - float the boat of Top Gear's new front man, Chris Evans, when he drove them during the last year.

The average resident permit has risen to £64 but many drivers are facing costs ten times that to park. Birmingham tops the table charging £785 for some annual residential parking.

A5WC3G GMO Test Sight, Pyrton, Oxfordshire, England

For investors, the potential merger of Bayer and Monsanto provides a lucrative chance to own shares in an unassailable giant of the agriculture industry.

UK companies were among the world's laggards when came to rewarding shareholders in the first quarter of 2016, alongside firms in Asia and emerging markets.

While the numbers of cheques being written out in 2015 fell by 13 per cent on a year earlier, people still write around 10 cheques each every year on average, Payments UK said.

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MARKET REPORT: A first class new personalised postcard service app from Royal Mail lifts

The firm's shares had taken a tumble last week over concerns around its parcel business. But investors thought the launch of a new personalised postcard service was first class. It wasn't enough to keep the FTSE in the black though, the market fell back 0.3 per cent, or 19.9 points, 6,136 - energy and materials firms were the biggest drag on the day.

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Tom Joule, a former market trader from Market Harborough, Leicestershire, is listing his firm on AIM and has priced its shares at 160p each.

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In a high tension annual meeting, David Maloney, 60, managed to keep his seat as the chair of Stock Spirits bagging 78 per cent of the vote.

Profits before tax were up by 133 per cent to £96.8m in the year to the end of March. Mitie's facilities management division performed well and it made strong margins of 6.3 per cent.

Daily Mail City Editor Alex Brummer.
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To listen to HM Treasury, the IMF, the Bank of England and anyone else you might care to mention the only uncertainty on the horizon for the global economy is a British 'leave' vote.

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The loquacious Glaswegian, 56, who peppers his speeches with show-off references to TS Eliot and Scott Fitzgerald, is well-versed in crisis management.

Almost 60% of Britons who phone in sick would still get behind the wheel

'Hi boss. I'm too ill to make it in today.' It's a phone call we've all had to make at some point, but a survey has found many drivers pick up their car keys despite phoning in sick. And while almost half said they'd call in sick if they ahd a broken arm, 21 per cent would still get behind the wheel with it.

A8AKN0 Young couple in pub

Thirteen local breweries signed up to its initiative and beers stocked will include Box Steam Brewery, Wadworth Brewery, Sadler's Brewery, Arundel Brewery and Hogsback Brewery.

Alexa Chung attending the Vogue Gala Dinner in Kensington Gardens, London.

An M&S contract with siblings Mark and Neal Lindsey who are experts at ensuring fashion chains are supplied with the clothes they want at the right price and at the right time.

Treasury minister and former Goldman Sachs economist Jim O'Neill is proposing a tax on big pharma to pay for much-needed research and development on the next generation of antibiotics.

Ryanair plans to cut passenger air fares by 7 per cent this year by passing on lower fuel costs to customers, as the airline industry suffers from terror fears.

BBC Top Gear's Chris Evans reveals McLaren 675 LT as his car of the year

We have to thank McLaren on behalf of the British automotive industry for taking the supercar fight to Italy in such audacious fashion, with such sincere gusto, unblinking commitment and relentless passion. It's nothing short of incredible how far the warriors at Woking have come in such a short time.

TONY HETHERINGTON: Postcode Lottery 'People' are fraudsters - and stupid ones at that

My brother, who is 84 years old, has just received a letter saying he has won £325k in the People's Postcode Lottery. We are both extremely suspicious, but the letter looks so official that if it is a scam, it might well trick a lot of people.There is a People's Postcode Lottery, warns Tony Hetherington, but this isn't from it.

Here are the borrowers who are most likely to struggle to get a mortgage or to remortgage - and the best advice on where to go to get your application approved. Sean Kelly, 18, has bought his first flat.

The Co-op is resurrecting its old blue clover logo from 1968. This week the funeral homes to supermarkets group will start tearing down the lime green banners on its 2,800 food shops.

Bullion dealer creates In/Out gold 'coin' to help Britons still undecided on how to vote

Family-run Chard, based in Blackpool, which has 15 staff and an £8 million turnover, has seen an increase in demand for gold and silver in the run-up to the vote on June 23. The company says this is due to investor concerns that, whatever the result, there will be an effect on the economy, stock market and currency. While voters tossing Chard's gold coin to decide their vote would have a 50:50 chance either way, the bookmakers' odds on Brexit have narrowed sharply suggesting far from even odds.

Midas first looked at the business when the shares were 114.5p. Today they are 166.75p, the company having launched a £350 million equity fund-raising earlier this month at a price of 165p a share.

The percentage of these so-called index trackers will increase as investors (and financial advisers) opt for low cost and reliability over higher cost and unpredictability.

This is Money rounds-up the Sunday newspaper share tips. Midas tips British firm Watkin Jones, a major player in the student accommodation sector and updates on infrastructure firm 3i.

Midas first looked at the business when the shares were 114.5p. Today they are 166.75p, the company having launched a £350 million equity fund-raising earlier this month at a price of 165p a share.

Take this quiz to see what career path could fit you best

Oxford Open Learning has developed a 'profession picker' quiz, which you can take to find which career could be the best fit for your skills. One in ten Britons are tempted to start a new career within the next 12 months, with money the largest motivator according to its research. Of these as many as 58 per cent would retrain to get a foot in the door.

The AA has bumped up its Balance Transfer credit card to give borrowers a market-beating two years to clear an existing credit card balance for free.

Low tariffs have won 12k customers for GnERGY, launched by former Gurkhas. While Clyde Lo is switching to GB Energy using Flipper, a service that does the work for you for a fee.

Coronation Street's Adam Rickitt always dreamed of being mortgage-free

For the past 15 years, he has worked as a freelance public relations adviser and fundraising consultant for numerous charities. He is also a patron of Brathay Trust, a charity that helps vulnerable young people get their lives back on track. With wife Katy, a 32-year-old Good Morning Britain reporter, he lives in a 200-year-old cottage in Stratford-upon-Avon and is currently filming a Second World War drama.

Visitors to the Czech capital, a popular destination for stag parties, pay an average bar bill of £29, while those in 10th-ranked London are charged more than double that amount (£60.70).

With the horse racing season in full swing, we look at ways to share in a competitor's success - without breaking the bank. Bert Colombi is a member of syndicate On To A Winner.

Investing in rare books can make you a tidy profit

We look at how books can prove shrewd investments. Sarah Henshaw (pictured), who runs The Book Barge, believes early Penguin classics can be a great option for those on a tight budget. It can seem a daunting prospect to start collecting but thanks to the internet there is no need to feel overwhelmed as it enables you to explore the market in your own time looking for favourite reads.

Any hopes of petrol prices stabilising after two and a half months of rises have been all but quashed by a new report predicting that oil will soon reach $50 a barrel.

Have we seen peak buy-to-let as landlord stamp duty rush sees purchases treble?

From the numbers it would seem abundantly clear to me that a big chunk of people who wanted to either get into buy-to-let, or snap up another one, pulled forward purchases. Not only are these buy-to-let investors now going to be missing from the rest of the year's property market, but investing has got less attractive for others too, so what next for the market?

What small businesses need to know about Brexit:

While some say it's time to go, annoyance at Brussels paperwork and administration do not outweigh the benefits of EU membership, claims Jeff Lynn, founder and chief executive of crowdfunding firm Seedrs. As argument rages over the soon-to-arrive EU membership referendum, we talk to key bosses on each side of the divide.

Paul Lynam, the leader of Britain's challenger banks hoping to loosen the stranglehold of the big high street names, has a damning response to last week's competition probe into the sector.

Jacqueline Gold: How I made Ann Summers a multi-million pound brand

Jacqueline Gold started out as an intern at Ann Summers in the 1970s, when it was a small chain of sex shops owned by her father. Today she's in charge. It turns over £140m a year and she is one of the richest women in the UK. In this week's Start-Up Secrets, she reveals the sexism she encountered, and why Ann Summers will never go the way of BHS.

One of Britain’s biggest bakeries slashing pay for Sundays and breaks following

Bradgate Bakery, part of catering giant Samworth Brothers which owns Ginsters pasties and makes half of the UK's pork pies, is to cut back on overtime, paid breaks and weekend perks for its 5,000 staff after legal changes introduced last month. The firm has denied making cuts after criticism from Labour MP Joan Ryan during a debate on the living wage in Parliament in April.

General view during the 4G EE launch at Manchester's Market Street Store. 

A new era for mobile phone use begins today as superfast 4G products and services are made available to millions of consumers in 11 cities across the UK. 

PRESS ASSOCIATION Photo. Picture date: Tuesday, October 30, 2012. EE, formerly known as Everything Everywhere, will launch its range of 4G products and services in London, Bristol, Birmingham, Cardiff, Leeds, Sheffield, Edinburgh, Glasgow, Liverpool, Southampton and Manchester. See PA story CITY Mobile. Photo credit should read: Jon Super/PA Wire

When Orange and T Mobile merged to form EE, one of the conditions of the deal being approved was for Three, which had shared its network with T Mobile, to be able to access 3,000 EE masts.

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Argus Media has sold a controlling stake in its business to a US investment group for £1bn in a deal set to bring in multi-million-pound windfalls for its shareholder staff.

BHS administrators under pressure to sell chain within 2 weeks

A deal is expected imminently with one source suggesting it could be signed as soon as Monday. Administrator Duff & Phelps is weighing up three bids for the whole group. Offers from Poundstretcher, Matalan founder John Hargreaves and a mystery private equity bidder are being considered. A bid from Sports Direct's Mike Ashley is understood to be out of the running.

Accounts show SL6, the holding company of Blumenthal's businesses, paid him out in a year where profits were hit by the closure of its Berkshire Fat Duck restaurant for refurbishment.

Tata is only considering offers for the whole of its UK steel business, and is not accepting bids from parties hoping to carve out the best assets.

It said poor performance was down to the 'further consolidation of the retail estate in the UK' after closing its underperforming shops and concessions at department stores.

It's back to the future for the Co-operative Group with the announcement that it has revived its old blue and white logo. Many of us may have not even realised it had gone away.

Shareholder perks you'd be mad to miss out on (and a few not worth it)

While you may use in-store loyalty cards, or scour the internet for good deals, there could be a whole host of unused perks and discounts sitting right under your nose. From free hotel stays, to money off designer labels and free gift cards - we round up the best shareholder offers and compare them.

A hacker claims to have 117million Linkedin log-in account details and has put them up for sale on the dark web, an illegal marketplace full of cyber criminals.

A stock photo of a woman worried about bills and debt.


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The survey by the consumer group Which? found 53 per cent had never contacted a credit rating agency - such as Experian, Callcredit and Equifax - to check their report.

I'm past the state retirement age - can I still get a mortgage?

I need to borrow some money to pay for some home improvements and I'd like to free up some cash to be able to help my kids, but I don't want equity release. What are the other options that I have and can I get a mortgage? Our experts answer a reader's questions.

You may be used to remortgaging to take advantage of a cheaper deal but it's now possible to refinance your car loan quickly and easily online.

If you don't want to do all the legwork fund selection involves you can access model portfolios and digital wealth managers that find suitable products, but how do you weigh up their costs?

How much will your house be worth in 2030? Map of UK house price forecasts

The average price of a home in England will be more than £450,000 in 2030, new research mapping out what house prices could look like across the UK claims. Estate agents eMoov admitted that this was simply a projection of 'what may happen' but said that it had done so not to celebrating such a potential rise but warn of the consequences.

Across London, the most expensive part of the UK, average property prices could be roughly £7,500 cheaper if a Brexit goes ahead, the Centre for Economics and Business Research said.

Britain's overheated housing market could stall or even go into reverse if the UK votes to leave the EU, Chancellor George Osborne claimed last night.

'Interest-free loan enabled me to rent in expensive London': Starbucks staff take up first

The first handful of staff members have taken advantage of Starbucks 'home sweet loan' initiative in Britain, according to the global coffee giant. This includes 25 year-old Marta Swiac who works at its Covent Garden branch - she has borrowed £1,218 for a deposit on a two-bedroom flat in Hendon.

While McDonald's reigns supreme in the fast-food chain job hunter stakes, in the world of fashion, Primark is the most in-demand store, beating the likes of New Look, Next and River Island.

The Lifetime ISA is a great idea and should be given every opportunity to flourish, but crucially there is one piece of the jigsaw missing.Employers can't contribute to it.

Expedia said the flight I booked was full, so I cancelled it but now it won't refund me

On January 19, I made flight and hotel reservations for four people to travel from Bristol to Jersey in June using travel website Expedia. The next day, Expedia told me it was unable to confirm seats on the plane as the flight was fully booked. So I cancelled the package and booked a different trip.

ftr-Infiniti Q30 Sport City Black inf.jpg

If Buzz Lightyear had an off-duty car, this could be it. But would it take him 'to infiniti and beyond!'? Infiniti is Nissan's posher cousin. And the Q30 did create a buzz when I took it for a spin.

"3d render of a stethoscope shaped as a pound sterling currency symbol, healthcare cost concept, isolated on white."

Giant health cover firms are playing on people's fears that it might be tricky to get a deal with another provider if they have suffered a medical emergency and had to make a claim.

Strictly Come Dancing's Anya Garnis almost lost her dream home over bill bungle

When Strictly Come Dancing star Anya Garnis found the perfect home to buy with her boyfriend, she was thrilled. The 34-year-old dancer from Russia and her British partner put an offer on their dream London flat, only to discover npower had wrecked his credit rating due to the energy firm's own blunder.

Close up of the HMRC logo as seen on its website. (Editorial use only:  print, TV, e-book and editorial website).  Revenue & Customes. Income tax form

The new personal savings allowance should mean savers can now earn up to £1,000 tax-free. And banks are supposed to pay your earnings before deducting tax.

With 30% of shoppers admitting that, thanks to free returns, they order several items to find what they want, 60% of retailers said high volumes of returns are blighting their businesses.

John Roberts on good customer service and lorries too large for EU bridges

This is Money is launching a new regular series called 'a coffee with...' where we will chat to some of the most colourful bosses and financial commentators in the personal finance sphere. As part of the launch, consumer affairs editor Lee Boyce speaks to AO.com founder John Roberts.

Tony Venner in his garden in Southborough with rescue dog Katie

Tony Venner, 94, pictured in his Southborough garden with rescue dog Katie, had to wait seven months for Barclays to accept he was in charge of his wife Joan's money after her dementia deteriorated.

HOUSE MODEL WITH COINS DROPPING OVER IT.




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Since 2013, lenders have been forced to run detailed affordability checks on mortgage applicants. An exception was made for homeowners who wanted to move properties without borrowing more.

Dark art of mortgage affordability exposed: £200k gap on what you can borrow

Unwary first-time buyers could be pushed needlessly into smaller properties or different areas due to the 'dark art' of mortgage affordability calculators. Using a joint income of £75,000 and a deposit of £25,000 our investigations uncovered a near £200,000 difference between lenders' calculators' mortgage amounts.

The rise was driven largely in London and the South East. Annual house price increases were registered at 13 per cent in London, 12.2 per cent in the South East and 12.1 per cent in the East of England.

Andy Haldane, one of the country's top financial officials, said he could not make the 'remotest sense' of pensions and said complexities in personal finance breeds mistrust of the system.

50 ways to save money....

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

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We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

L Board sign on the rear of a blue saloon car , UK

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will UK interest rates rise?

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

House prices: What to expect - news and predictions

Nationwide says there was a 'mixed picture' across the regions in the third quarter of 2015, with the rate of house price growth accelerating in southern England and particularly London, but slowing down in the Midlands and most northern areas.

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

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Compare your pay to the UK average across 350 professions

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

May 2016
Prize value Winning bond No. Area
£1,000,000 171EJ539324 West Scotland
£1,000,000 150PX626601 Surrey
£100,000 TR756652 Nottingham
£100,000 78EG320957 Northumberland
£100,000 70SQ047110 Essex
£100,000 209AK720567 Leicester
£100,000 171RJ541936 Hampshire and Isle of Wight
£100,000 14KT085181 Lancashire
£50,000 77AG074265 Mid Scotland and Fife
£50,000 33XT435809 Inner London
£50,000 22DR965024 Hampshire and Isle of Wight
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