With almost £60 billion held in them, there is no doubt that Premium Bonds are the nation’s most prolific ‘savings’ product. But Premium Bonds aren’t really a savings product at all, they are more of a hybrid between a savings product and a lottery. Kevin Ferguson looks at the facts. Premium Bonds were originally launched...

You want to provide your staff with uniforms in keeping with your firm’s corporate image and buy clothing that is suitable to be worn at work, but what is the position regarding claiming the VAT back, and what happens if you give the clothing to your staff? Bob Johnstone investigates. The fact that employees can...