Accessibility helpSkip to navigationSkip to contentSkip to footer

Cookies on FT Sites

We use cookies and other data 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 cookies
Manage cookies
  • Sign In
  • Subscribe
Open side navigation menuOpen search bar
Financial Times
SubscribeSign InmyFT
  • Home
  • World
    Sections
    • World Home
    • Global Economy
    • UK
    • US
    • China
    • Africa
    • Asia Pacific
    • Emerging Markets
    • Europe
    • War in Ukraine
    • Americas
    • Middle East & North Africa
    • Australia & NZ
    Most Read
    • Antony Blinken cancels China trip following discovery of spy balloon
    • How much of a threat are Chinese spy balloons?
    • Nigeria’s attempt to replace its currency notes descends into chaos
    • Madison Square Garden owner battles outcry over ‘dystopian’ blacklisting
    • US jobs total surges by over half a million in January
  • US
    Sections
    • US Home
    • US Economy
    • US Companies
    • US Politics & Policy
    Most Read
    • Companies
      Sections
      • Companies Home
      • Energy
      • Financials
      • Health
      • Industrials
      • Media
      • Professional Services
      • Retail & Consumer
      • Tech Sector
      • Telecoms
      • Transport
      Most Read
      • TotalEnergies says exposure to Adani stands at $3.1bn as turmoil mounts
      • EY under fire over its two roles at battery start-up Britishvolt
      • Swiss authorities open criminal probe into bank data breaches
      • BT chief warns Openreach fibre push will ‘end in tears’ for rivals
      • Indian authorities seek to calm investors after Adani sell-off
    • Tech
    • Markets
      Sections
      • Markets Home
      • Alphaville
      • Markets Data
      • Cryptofinance
      • Capital Markets
      • Commodities
      • Currencies
      • Equities
      • Fund Management
      • Trading
      • Moral Money
      • ETF Hub
      Most Read
      • Middle-class Britons are the ‘new vulnerable’, says Tyrie
      • UK’s FTSE 100 share index beats 2018 peak to hit all-time high
      • Nigeria’s attempt to replace its currency notes descends into chaos
      • Hedge funds rush to unwind bets on falling markets as stocks surge
      • EU agrees price caps on Russian oil products
    • Climate
    • Opinion
      Sections
      • Opinion Home
      • Columnists
      • The FT View
      • The Big Read
      • Lex
      • Obituaries
      • Letters
      Most Read
      • The worst airport in the world
      • Britain should not accept its status as the ‘sick man of Europe’
      • Tempting back older workers means ditching business as usual
      • Toyota has a tragic flaw in the electric vehicle drama
      • The Tate ruling is a victory against rubbernecking
    • Work & Careers
      Sections
      • Work & Careers Home
      • Business School Rankings
      • Business Education
      • Entrepreneurship
      • Recruitment
      • Business Books
      • Business Travel
      Most Read
      • Barclays chief: the life lessons I have discovered during cancer treatment
      • Shoshana Zuboff: ‘Privacy has been extinguished. It is now a zombie’
      • A new generation refuses to keep quiet on age discrimination at work
    • Life & Arts
      Sections
      • Life & Arts Home
      • Arts
      • Books
      • Food & Drink
      • FT Magazine
      • House & Home
      • Style
      • Travel
      • FT Globetrotter
      Most Read
      • After hours with 10 Foot, London’s most notorious graffiti writer
      • Germany grapples with the limits of pacifism
      • Rugby superstar Siya Kolisi: ‘I’ve got no ego at all’
      • Bill Gates is probed and baited in BBC interview with Amol Rajan — TV review
      • My downshift to deepest Spain
    • HTSI
    MenuSearch
    • Home
    • World
    • US
    • Companies
    • Tech
    • Markets
    • Climate
    • Opinion
    • Work & Careers
    • Life & Arts
    • HTSI
    Financial Times
    SubscribeSign In

    Lucy Warwick-Ching

    Communities editor

    Lucy Warwick-Ching is the communities editor, in charge of developing the FT's commenting strategy. She writes 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)

    Add to myFT Digest

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

    • Thursday, 2 February, 2023
      Your QuestionsAdvice & Comment
      Should I avoid buying a house with an ‘estate rentcharge’?

      The fee is currently £150 a year, but I’m worried it will increase

    • Wednesday, 25 January, 2023
      Your QuestionsAdvice & Comment
      Will my live-in partner have rights to my house?

      Having been burnt financially by divorce I need to know I am protected if the relationship fails

    • Wednesday, 18 January, 2023
      Your QuestionsAdvice & Comment
      How can we avoid being taxed twice?

      We want to move from UK to US to work

    • Tuesday, 10 January, 2023
      Your QuestionsAdvice & Comment
      Will I have to sell my home to pay an IHT bill?

      I have never married and live with my 92-year-old mother in her house

    • Thursday, 5 January, 2023
      Your QuestionsAdvice & Comment
      Will I have to pay tax on my Welsh properties?

      I own a large property and a few cottages in Wales, built by my great-grandfather, which I rent out

    • Wednesday, 14 December, 2022
      Your QuestionsAdvice & Comment
      Can I contest division of my late partner’s estate? Premium content

      He did not make a will and everything will go to his brother

    • Wednesday, 7 December, 2022
      Your QuestionsDigital currencies
      Do I have to split my wealth 50/50 with my husband?

      We don’t have children and are getting divorced

    • Wednesday, 30 November, 2022
      Your QuestionsProperty sector
      How can we help our aunt to sort out her finances?

      She is displaying signs of dementia, but still needs to make a will

    • Tuesday, 22 November, 2022
      Your QuestionsAdvice & Comment
      Should I pass on crypto to my family through my will?

      I am a US national and have been living in London for most of my life

    • Wednesday, 16 November, 2022
      Your QuestionsMarriage and divorce
      Should I take my divorce to arbitration?

      I’m worried a decision won’t have the same weight as a court judgment

    • Thursday, 10 November, 2022
      Investment trusts
      How to choose an investment trust: five things to consider

      Gearing, charges and discounts are key factors as well as who manages the trust

    • Tuesday, 8 November, 2022
      Your QuestionsMortgages
      Should I pay off my Help to Buy mortgage?

      My loan is interest free for a further four years

    • Wednesday, 2 November, 2022
      Your QuestionsTax
      Can I claim compensation from an insolvent company?

      The liquidator is likely to have limited funds

    • Tuesday, 25 October, 2022
      Your QuestionsAdvice & Comment
      Can we use my late mother’s ‘homemade’ will?

      She made an official will through a solicitor 20 years ago which now seems out of date

    • Tuesday, 25 October, 2022
      FT Wealth
      ‘Diaspora philanthropists’ aim to help revival of UK regions

      Networks of entrepreneurs with links to deprived communities are being harnessed as investors and business role models

    • Tuesday, 18 October, 2022
      Your QuestionsPensions
      Can I pass my pension savings to my grandchildren?

      I have not touched my pot so far during my retirement

    • Wednesday, 12 October, 2022
      Cost of living crisis
      ‘A self-inflicted lockdown’: the cost of living crisis puts lives on hold

      Hundreds of FT readers around the world responded to our callout and revealed what sacrifices they’re making to cope with a squeeze on incomes

    • Wednesday, 12 October, 2022
      Special ReportWomen in Business
      FT reader survey: Childcare subsidies will help women return to the workplace

      Respondents call for policymakers and employers to help shoulder the costs

    • Tuesday, 11 October, 2022
      Your QuestionsAdvice & Comment
      Do my daughters qualify for ‘home fees’ at UK universities?

      We currently live in India and my children are at school there, but I pay UK tax on my earnings

    • Wednesday, 5 October, 2022
      Your QuestionsInheritance
      Should I give my daughter money to help with energy bills?

      How much money can I gift tax-free?

    • Friday, 30 September, 2022
      Q&ARemortgaging
      Q&A: UK mortgage rates and the housing market

      We answered your questions on what the economic uncertainty means for borrowers

    • Wednesday, 28 September, 2022
      Your QuestionsInheritance
      Should I give up the rights to my husband’s pension?

      I’ve been offered a larger share of the equity in the family home when we divorce

    • Wednesday, 21 September, 2022
      Advice & Comment
      Should I buy a home on my own before we get married?

      As a first-time buyer I would like to benefit from the stamp duty reduction

    • Tuesday, 13 September, 2022
      Your QuestionsAdvice & Comment
      How should I protect my assets for my granddaughter?

      I’ve sold my business but worry the profits will be eaten up by inflation

    • Friday, 9 September, 2022
      Queen Elizabeth II
      UK coins, notes and stamps will remain valid after accession

      Money bearing image of Queen Elizabeth is still usable but new versions will enter circulation

    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 SubscriptionsRepublishingExecutive Job SearchAdvertise with the FTFollow the FT on TwitterFT ChannelsSecondary Schools

    Tools

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

    Community & Events

    FT CommunityFT Live EventsFT ForumsFT Board DirectorBoard Director Programme

    More from the FT Group

    Markets data delayed by at least 15 minutes. © THE FINANCIAL TIMES LTD 2023. 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

    Subscribe for full access
    • Switch to UK Edition
    • Top sections
    • Home
    • World
      • Global Economy
      • UK
      • US
      • China
      • Africa
      • Asia Pacific
      • Emerging Markets
      • Europe
      • War in Ukraine
      • Americas
      • Middle East & North Africa
      • Australia & NZ
    • 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
      • Cryptofinance
      • Capital Markets
      • Commodities
      • Currencies
      • Equities
      • Fund Management
      • Trading
      • Moral Money
      • ETF Hub
    • 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
    • HTSI
    • Special Reports
    • FT recommends
    • Lex
    • Alphaville
    • Lunch with the FT
    • FT Globetrotter
    • #techAsia
    • Moral Money
    • FTfm
    • Newsletters
    • Video
    • Podcasts
    • News feed
    • FT Live Events
    • FT Forums
    • Board Director Programme
    • myFT
    • Portfolio
    • Today's Newspaper (ePaper)
    • Crossword
    • Our Apps
    • Help Centre
    • Subscribe
    • Sign In