Money & Finance

The figures worth checking before you apply for an IPO: price band, issue size, valuation, use of funds, subscription data and lock-ins.

Debit or credit for everyday purchases? How each works, which offers better protection and rewards, and when each one makes sense.

How international money transfers really cost you, comparing banks, transfer apps and exchange houses on fees, exchange rates and speed.

How a central bank rate move flows through to your mortgage, car loan, credit card and savings, and what you can do about it.

What actually pushes gold up or down: interest rates, the dollar, inflation, central banks, uncertainty and demand, and what it means for you.