Accessibility helpSkip to navigationSkip to contentSkip to footer

Cookies on FT Sites

We use cookies for a number of reasons, such as keeping FT Sites reliable and secure, personalising content and ads, providing social media features and to analyse how our Sites are used.

Accept & continue
Manage cookies
  • Sign In
  • Subscribe
Open side navigation menuOpen search bar
Financial Times
myFT
  • Home
  • World
    Sections
    • World Home
    • Global Economy
    • UK
    • US
    • China
    • Africa
    • Asia Pacific
    • Emerging Markets
    • Europe
    • Americas
    • Middle East and North Africa
    Most Read
    • Erdogan declares 10 western ambassadors ‘persona non grata’
    • Conservative billionaire Vincent Bolloré tightens grip on French media
    • England’s big city regions to receive £7bn Budget injection for transport
    • Wealth tax on table as Democrats fight to salvage Biden spending plan
    • England’s former vaccine chief pulled back to old job from No 10
  • US
    Sections
    • US Home
    • US Economy
    • US Companies
    • US Politics & Policy
    Most Read
    • Hot demand for bitcoin ETF as ‘Wild West’ meets Wall St
    • Inflation pressure now ‘brutal’ because of supply squeeze, US companies say
    • Wealth tax on table as Democrats fight to salvage Biden spending plan
    • Airbus blasted by leasing companies over plans to lift jet production
    • The ‘prince’ and the populist: Brazilian monarchist backs Trump media venture
  • Companies
    Sections
    • Companies Home
    • Energy
    • Financials
    • Health
    • Industrials
    • Media
    • Professional Services
    • Retail & Consumer
    • Tech Sector
    • Telecoms
    • Transport
    Most Read
    • Inflation pressure now ‘brutal’ because of supply squeeze, US companies say
    • The CEOs delivering consistent shareholder returns
    • Financiers find safe space for Milken jamboree at The Beverly Hilton
    • Airbus blasted by leasing companies over plans to lift jet production
    • The ‘prince’ and the populist: Brazilian monarchist backs Trump media venture
  • Tech
  • Markets
    Sections
    • Markets Home
    • Alphaville
    • Markets Data
    • Capital Markets
    • Commodities
    • Currencies
    • Equities
    • Fund Management
    • Trading
    • Moral Money
    • ETF Hub
    • Cryptocurrencies
    Most Read
    • Hot demand for bitcoin ETF as ‘Wild West’ meets Wall St
    • Evergrande pays missed dollar bond coupon, says Chinese state media
    • Deutsche Bank whistleblower paid $200m in record reward
    • What the GameStop saga revealed about US markets
    • The Fed is still conflicted
  • Climate
  • Opinion
    Sections
    • Opinion Home
    • Columnists
    • The FT View
    • The Big Read
    • Lex
    • Obituaries
    • Letters
    Most Read
    • The self-doubt of the rocket men
    • The exquisite melancholy of Succession
    • Waking up to the new sleep rules
    • The National Trust row is obscuring its core mission: cake
    • Quantum computing comes out of shadows into public markets
  • Work & Careers
    Sections
    • Work & Careers Home
    • Business School Rankings
    • Business Education
    • Entrepreneurship
    • Recruitment
    • Business Books
    • Business Travel
    Most Read
    • Esther Perel: how to navigate the ‘next normal’ at work
    • Pawternity leave is a step too far in the pandemic pet boom
    • Motivating your team means letting go
    • Private equity’s strange love affair with hydra-headed leadership
    • Leading through the pandemic: keeping a cruise company afloat
  • Life & Arts
    Sections
    • Life & Arts Home
    • Arts
    • Books
    • Food & Drink
    • FT Magazine
    • House & Home
    • Style
    • Travel
    • FT Globetrotter
    Most Read
    • Antiques antics — why are young people buying old stuff?
    • The most brilliant bookshops in the world
    • The self-doubt of the rocket men
    • The exquisite melancholy of Succession
    • Martin Lewis: Student loan changes could prompt fertility crisis
  • How to Spend It
  • Sign In
  • Subscribe
MenuSearch
  • Home
  • World
  • US
  • Companies
  • Tech
  • Markets
  • Climate
  • Opinion
  • Work & Careers
  • Life & Arts
  • How to Spend It
Financial Times
  • Sign In
  • Subscribe

A new world is possible. Let's not go back to what wasn't working anyway.

If you think the same, join us

Lucy Warwick-Ching

Communities editor

Lucy Warwick-Ching is the communities editor, in charge of developing the FT's commenting strategy. She writes a column called Family Money and edits the weekly Your Questions column.

Previously Lucy was the personal finance digital editor. She produced the FT Money Show podcast, coordinated FT Money’s digital output and wrote for the weekday newspaper and FT.com.

Email Lucy Warwick-Ching @WarwickChing  on Twitter (link opens in a new browser window)
Email Lucy Warwick-Ching @WarwickChing  on Twitter (link opens in a new browser window)

Add to myFT Digest

Add this topic to your myFT Digest for news straight to your inbox

  • Tuesday, 19 October, 2021
    Your QuestionsPersonal Finance Advice & Comment
    How much CGT will we pay on our Diageo shares?

    Is it too late to put the shares into a stocks and shares Isa?

  • Monday, 18 October, 2021
    FT Wealth
    The perils of making a fortune at a young age

    Young sports stars and celebrities face big challenges managing life-changing pots of money

  • Wednesday, 13 October, 2021
    Your QuestionsPersonal Finance Advice & Comment
    How can I invest for my granddaughter in Japan?

    I have helped finance two junior Isas for my British grandchildren and would like to invest in something similar

  • Friday, 8 October, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Where should I put my savings?

    I’ve been able to save a few hundred pounds a month since the start of the pandemic

  • Wednesday, 29 September, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Should I file a US tax return?

    I have dual UK-US citizenship, but have lived in the UK for my working life

  • Thursday, 23 September, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Should we and our daughter sell our houses and live together?

    We have decided to pool our resources but my husband and I are worried about tax

  • Wednesday, 22 September, 2021
    FT Financial Literacy and Inclusion Campaign
    How should we teach young people about personal finance? Q&A

    Claer Barrett and Aimée Allam, director of FT Flic, answer your questions

  • Wednesday, 15 September, 2021
    Your QuestionsMarriage and divorce
    Should I go to a litigation funder to pay for my divorce?

    My husband has locked me out of our shared bank accounts

  • Saturday, 11 September, 2021
    FT Readers
    ‘Surviving 9/11’: FT Readers share their thoughts

    Join the conversation in the comments below to tell us your memories of the day.

  • Promoted Content
  • Wednesday, 8 September, 2021
    Your QuestionsTax
    Should we let our ex-council flat?

    We can’t find a buyer so are considering leasing it to our local housing association

  • Thursday, 2 September, 2021
    Your QuestionsUK property
    Can we reclaim overpaid stamp duty?

    HM Revenue & Customs’ latest guidance says it will refund the money before checking eligibility

  • Wednesday, 1 September, 2021
    Special ReportFT Wealth: September 2021
    Inheritance planning and blended families: a tricky mix

    Recent high-profile legal disputes highlight the fraught business of leaving wealth to loved ones

  • Wednesday, 18 August, 2021
    Your QuestionsInheritance
    How can I best invest for my children?

    My father has offered to give me £250 a month for each

  • Tuesday, 10 August, 2021
    Your QuestionsInheritance
    Will our children have to pay more IHT because my wife has left the UK?

    My wife has moved back to Norway where she lives as my non-domiciled spouse

  • Wednesday, 4 August, 2021
    Your QuestionsCryptocurrencies
    Can I use cryptocurrency towards my house purchase?

    My lender tells me they cannot accept it and neither can the conveyancing solicitor

  • Wednesday, 28 July, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Should I transfer my half of our house to my estranged wife?

    In return she will transfer shares to me in the family business

  • Wednesday, 21 July, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Will one of my children pay more inheritance tax than the others?

    I have made generous financial gifts to my three daughters over the years

  • Thursday, 15 July, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Can I pay less inheritance tax on cryptocurrencies?

    My late partner’s portfolio consists mainly of cryptos that have recently fallen in value

  • Tuesday, 6 July, 2021
    Your QuestionsPersonal Finance Advice & Comment
    Can I do anything to stop the pig farm next to my house?

    I love where I live, but the pig B&B makes life unpleasant

  • Saturday, 3 July, 2021
    FT SeriesGraduates: the class of 2021
    What are the difficulties facing new graduates? We asked, you answered

    FT readers told us their experiences of looking for work and shared advice on how to land your first job

  • Wednesday, 30 June, 2021
    Your QuestionsInheritance
    Am I liable for unpaid tax on my neighbour’s estate?

    I’m the executor and have paid the beneficiaries, but HMRC says there is undeclared income

  • Monday, 28 June, 2021
    FT SeriesGraduates: the class of 2021
    ‘I feel left behind’: graduates struggle to secure good jobs

    FT survey reveals the intense competition and arduous assessments facing those entering the workforce

  • Wednesday, 23 June, 2021
    Your QuestionsUK tax
    I’ve received a ‘nudge’ tax letter from HMRC, what should I do?

    The letter comes with a certificate of tax position to complete, but I’m wary about completing this.

  • Wednesday, 16 June, 2021
    Your QuestionsPersonal Finance Advice & Comment
    What are the pitfalls for non-resident UK property buyers?

    We live in Hong Kong but want to buy a home in London

  • Wednesday, 16 June, 2021
    FT Wealth
    Surviving divorce: a guide for family businesses and charities

    A wealthy couple’s break-up need not spell the end of their foundation or company — if they avoid the pitfalls

Previous page You are on page 1 Next page

Useful links

Support

View Site TipsHelp CentreContact UsAbout UsAccessibilitymyFT TourCareers

Legal & Privacy

Terms & ConditionsPrivacy PolicyCookiesCopyrightSlavery Statement & Policies

Services

Share News Tips SecurelyIndividual SubscriptionsGroup SubscriptionsRepublishingContracts & TendersExecutive Job SearchAdvertise with the FTFollow the FT on TwitterFT TransactSecondary Schools

Tools

PortfolioToday's Newspaper (ePaper)Alerts HubBusiness School RankingsEnterprise ToolsNews feedNewslettersCurrency Converter

Community & Events

FT CommunityFT LiveFT ForumsBoard Director Programme

More from the FT Group

Markets data delayed by at least 15 minutes. © THE FINANCIAL TIMES LTD 2021. FT and ‘Financial Times’ are trademarks of The Financial Times Ltd.
The Financial Times and its journalism are subject to a self-regulation regime under the FT Editorial Code of Practice.
Financial Times

International Edition

  • Switch to UK Edition
  • Top sections
  • Home
  • World
    • Global Economy
    • UK
    • US
    • China
    • Africa
    • Asia Pacific
    • Emerging Markets
    • Europe
    • Americas
    • Middle East and North Africa
  • US
    • US Economy
    • US Companies
    • US Politics & Policy
  • Companies
    • Energy
    • Financials
    • Health
    • Industrials
    • Media
    • Professional Services
    • Retail & Consumer
    • Tech Sector
    • Telecoms
    • Transport
  • Tech
  • Markets
    • Alphaville
    • Markets Data
    • Capital Markets
    • Commodities
    • Currencies
    • Equities
    • Fund Management
    • Trading
    • Moral Money
    • ETF Hub
    • Cryptocurrencies
  • Climate
  • Opinion
    • Columnists
    • The FT View
    • The Big Read
    • Lex
    • Obituaries
    • Letters
  • Work & Careers
    • Business School Rankings
    • Business Education
    • Entrepreneurship
    • Recruitment
    • Business Books
    • Business Travel
  • Life & Arts
    • Arts
    • Books
    • Food & Drink
    • FT Magazine
    • House & Home
    • Style
    • Travel
    • FT Globetrotter
  • Personal Finance
    • Property & Mortgages
    • Investments
    • Pensions
    • Tax
    • Banking & Savings
    • Advice & Comment
    • Next Act
  • How to Spend It
  • Special Reports
  • FT recommends
  • Lex
  • Alphaville
  • Lunch with the FT
  • FT Globetrotter
  • #techAsia
  • Moral Money
  • FTfm
  • Newsletters
  • Video
  • Podcasts
  • News feed
  • FT Community
    • FT Live
    • FT Forums
    • Board Director Programme
  • myFT
  • Portfolio
  • Today's Newspaper (ePaper)
  • Crossword
  • Our Apps
  • Help Centre
  • Subscribe
  • Sign In