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Ray Boulger, senior technical director and spokesperson for John Charcol, has said that, "providing the starting point is good", a tracker nearly always gets you better value than a fixed rate mortgage. He said: "We've been recommending tracker mortgages for those people who want a variable mortgage for a long time." A tracker ensures a consumer's interest rate on a mortgage moves in line with the Young women think that saving for the future will mean they have to cut back on spending in the present. However, MDM Associates claims that if they work out what their outgoings are then this may not necessarily be the case. Lisanne Mealing, director for MDM Associates, said: "You know you're going to go out, you know you're going to spend money on clothes: budget for it, so that you have a clear indication at the end of the day of how much you can afford to save."She added that an Isa is "definitely the best place to start" when it comes to saving due to the flexibility of access and use that it offers. Research from online If house values for equity release customers do decrease, the distance between the amount the estate will eventually owe and the value of the house could be less"But that's only if it's a really long term housing price reduction," said Anthony Rafferty, head of marketing post retirement for Norwich Union. He added: "We are a nation talking ourselves into a housing slump by using the word slump."The impact of the so-called housing slump has not been felt with equity releases as much as it has with MDM Associates has said there are possible higher tax allowances on pensions and potential inheritance tax advantages from joint savings. Lisanne Mealing, director for MDM Associates, said: "With investing in pensions, you're losing out on some pretty good tax allowances if you only fund on one [partner's] side and not the other."She added that in terms of income payments, "it's easier to have the income split in retirement; because, again, you're going to pay less tax… You're taking full advantage".Ms Mealing also said that women's income is usually spent on household items, incidentals and holidays whereas the husband's earnings will be used for financial planning. However, a recent report from the Fawcett Society warned that women are likely to struggle financially for a longer period following a divorce than a man, as women are less likely to have savings in place.

"I would say the market is quite strong," he added. The cost of life insurance appears to be falling due to people living longer say the organisation. The impacts of medical improvements and healthier lifestyles are having a significant on our population and as a result people are living longer, said the spokesman. Figures from the Thomas Charles & Co has said companies should follow the examples set by Head of residential