AtHomeWithSarahBeenyAutumn2016 - 48

CAUGHT IN A TRAP WITH PROPERTY PRICES INCREASING AT A RATE OF KNOTS, A WHOLE GENERATION FIND THEMSELVES UNABLE TO AFFORD TO BUY THEIR OWN HOME. SO WHAT DOES THE FUTURE HOLD FOR THEM? B uying their own home is little more than a pipe dream for the majority of young people because house prices have simply become unaffordable. That's the truth facing Generation Rent - 25 to 34 year olds caught in a trap where house prices have rocketed in the past 15 years compared to wages. At the start of the millennium, the average house cost 3.2 times as much as the average wage. These days it is 5.5 times, according to the Halifax Bank. And the situation shows no sign of improving. LOCKED OUT Put simply, the cost of buying a home, particularly in London, bears no relation to what most people can actually afford. And it's been that way for a while. Homeowning in Britain peaked in 2003 at 71% and has been declining ever since. According to professional services firm PricewaterhouseCoopers, within 10 years London will be a city of renters. By 2025, it reckons, only 40% of those living in the capital will own their own home. Locked out by high prices and unattainable deposits and mortgages, young people are the hardest hit. By then, barely a quarter (26%) of those aged 20-39 will own their own home, it says. In just 25 years, the city is a place where rental is becoming the norm - especially for younger people. Not that home ownership has always been an expectation. In Victorian Britain, only one in five Britons owned their own homes. We 048 | OCTOBER 2016 SARAH SAYS 'Whether you're planning on buying or not, try to save some money every month. And if you get into the habit of doing this, you should have a nice chunk set aside for when you can buy.' were not so much, as Napoleon had it, a nation of shopkeepers as a nation of tenants. And those days, it seems, are on their way back. According to the latest projections*, by 2020, first-time buyers in the UK will need a salary of £64,000 to be able to afford to buy their own home - a fifth more than is needed at the moment (£52,000). The national average wage is barely half that, at £26,500. In London, the situation is even worse. By 2020, the annual income needed to buy a house will exceed six figures - £106,000 - and that's if you've saved up £138,000 for the deposit, otherwise you'll get a poor deal on your mortgage. There is no standard amount that people need to have saved up before they can get a mortgage; but the bigger the deposit you have, the cheaper the mortgage deals you will be able to get. This is because the more money you are able to put towards a house, the less of a risk you pose to a lender. THE DEPOSIT Consumer magazine Which? says that in recent years first-time buyers have typically used a 20% deposit to buy a house. If you can't afford that, the number of 90% and 95% mortgages on the market is on the increase so, provided you meet lenders' affordability criteria, then a 10% or 5% deposit may be enough. So if you want a £200,000 house, you would need to have £20,000 in savings for a 90% mortgage or £10,000 for a 95% mortgage. There are also two government schemes

Table of Contents for the Digital Edition of AtHomeWithSarahBeenyAutumn2016

AtHomeWithSarahBeenyAutumn2016 - 1
AtHomeWithSarahBeenyAutumn2016 - 2
AtHomeWithSarahBeenyAutumn2016 - 1
AtHomeWithSarahBeenyAutumn2016 - 2
AtHomeWithSarahBeenyAutumn2016 - 3
AtHomeWithSarahBeenyAutumn2016 - 4
AtHomeWithSarahBeenyAutumn2016 - 5
AtHomeWithSarahBeenyAutumn2016 - 6
AtHomeWithSarahBeenyAutumn2016 - 7
AtHomeWithSarahBeenyAutumn2016 - 8
AtHomeWithSarahBeenyAutumn2016 - 9
AtHomeWithSarahBeenyAutumn2016 - 10
AtHomeWithSarahBeenyAutumn2016 - 11
AtHomeWithSarahBeenyAutumn2016 - 12
AtHomeWithSarahBeenyAutumn2016 - 13
AtHomeWithSarahBeenyAutumn2016 - 14
AtHomeWithSarahBeenyAutumn2016 - 15
AtHomeWithSarahBeenyAutumn2016 - 16
AtHomeWithSarahBeenyAutumn2016 - 17
AtHomeWithSarahBeenyAutumn2016 - 18
AtHomeWithSarahBeenyAutumn2016 - 19
AtHomeWithSarahBeenyAutumn2016 - 20
AtHomeWithSarahBeenyAutumn2016 - 21
AtHomeWithSarahBeenyAutumn2016 - 22
AtHomeWithSarahBeenyAutumn2016 - 23
AtHomeWithSarahBeenyAutumn2016 - 24
AtHomeWithSarahBeenyAutumn2016 - 25
AtHomeWithSarahBeenyAutumn2016 - 26
AtHomeWithSarahBeenyAutumn2016 - 27
AtHomeWithSarahBeenyAutumn2016 - 28
AtHomeWithSarahBeenyAutumn2016 - 29
AtHomeWithSarahBeenyAutumn2016 - 30
AtHomeWithSarahBeenyAutumn2016 - 31
AtHomeWithSarahBeenyAutumn2016 - 32
AtHomeWithSarahBeenyAutumn2016 - 33
AtHomeWithSarahBeenyAutumn2016 - 34
AtHomeWithSarahBeenyAutumn2016 - 35
AtHomeWithSarahBeenyAutumn2016 - 36
AtHomeWithSarahBeenyAutumn2016 - 37
AtHomeWithSarahBeenyAutumn2016 - 38
AtHomeWithSarahBeenyAutumn2016 - 39
AtHomeWithSarahBeenyAutumn2016 - 40
AtHomeWithSarahBeenyAutumn2016 - 41
AtHomeWithSarahBeenyAutumn2016 - 42
AtHomeWithSarahBeenyAutumn2016 - 43
AtHomeWithSarahBeenyAutumn2016 - 44
AtHomeWithSarahBeenyAutumn2016 - 45
AtHomeWithSarahBeenyAutumn2016 - 46
AtHomeWithSarahBeenyAutumn2016 - 47
AtHomeWithSarahBeenyAutumn2016 - 48
AtHomeWithSarahBeenyAutumn2016 - 49
AtHomeWithSarahBeenyAutumn2016 - 50
AtHomeWithSarahBeenyAutumn2016 - 51
AtHomeWithSarahBeenyAutumn2016 - 52
AtHomeWithSarahBeenyAutumn2016 - 53
AtHomeWithSarahBeenyAutumn2016 - 54
AtHomeWithSarahBeenyAutumn2016 - 55
AtHomeWithSarahBeenyAutumn2016 - 56
AtHomeWithSarahBeenyAutumn2016 - 57
AtHomeWithSarahBeenyAutumn2016 - 58
AtHomeWithSarahBeenyAutumn2016 - 59
AtHomeWithSarahBeenyAutumn2016 - 60
AtHomeWithSarahBeenyAutumn2016 - 61
AtHomeWithSarahBeenyAutumn2016 - 62
AtHomeWithSarahBeenyAutumn2016 - 63
AtHomeWithSarahBeenyAutumn2016 - 64
AtHomeWithSarahBeenyAutumn2016 - 65
AtHomeWithSarahBeenyAutumn2016 - 66
AtHomeWithSarahBeenyAutumn2016 - 67
AtHomeWithSarahBeenyAutumn2016 - 68
AtHomeWithSarahBeenyAutumn2016 - 69
AtHomeWithSarahBeenyAutumn2016 - 70
AtHomeWithSarahBeenyAutumn2016 - 71
AtHomeWithSarahBeenyAutumn2016 - 72
AtHomeWithSarahBeenyAutumn2016 - 73
AtHomeWithSarahBeenyAutumn2016 - 74
AtHomeWithSarahBeenyAutumn2016 - 75
AtHomeWithSarahBeenyAutumn2016 - 76
AtHomeWithSarahBeenyAutumn2016 - 77
AtHomeWithSarahBeenyAutumn2016 - 78
AtHomeWithSarahBeenyAutumn2016 - 79
AtHomeWithSarahBeenyAutumn2016 - 80
AtHomeWithSarahBeenyAutumn2016 - 81
AtHomeWithSarahBeenyAutumn2016 - 82
AtHomeWithSarahBeenyAutumn2016 - 83
AtHomeWithSarahBeenyAutumn2016 - 84
AtHomeWithSarahBeenyAutumn2016 - 85
AtHomeWithSarahBeenyAutumn2016 - 86
AtHomeWithSarahBeenyAutumn2016 - 87
AtHomeWithSarahBeenyAutumn2016 - 88
AtHomeWithSarahBeenyAutumn2016 - 89
AtHomeWithSarahBeenyAutumn2016 - 90
AtHomeWithSarahBeenyAutumn2016 - 91
AtHomeWithSarahBeenyAutumn2016 - 92
AtHomeWithSarahBeenyAutumn2016 - 93
AtHomeWithSarahBeenyAutumn2016 - 94
AtHomeWithSarahBeenyAutumn2016 - 95
AtHomeWithSarahBeenyAutumn2016 - 96
AtHomeWithSarahBeenyAutumn2016 - 97
AtHomeWithSarahBeenyAutumn2016 - 98
AtHomeWithSarahBeenyAutumn2016 - 99
AtHomeWithSarahBeenyAutumn2016 - 100
AtHomeWithSarahBeenyAutumn2016 - 101
AtHomeWithSarahBeenyAutumn2016 - 102
AtHomeWithSarahBeenyAutumn2016 - 103
AtHomeWithSarahBeenyAutumn2016 - 104
AtHomeWithSarahBeenyAutumn2016 - 105
AtHomeWithSarahBeenyAutumn2016 - 106
AtHomeWithSarahBeenyAutumn2016 - 107
AtHomeWithSarahBeenyAutumn2016 - 108
AtHomeWithSarahBeenyAutumn2016 - 109
AtHomeWithSarahBeenyAutumn2016 - 110
AtHomeWithSarahBeenyAutumn2016 - 111
AtHomeWithSarahBeenyAutumn2016 - 112
AtHomeWithSarahBeenyAutumn2016 - 113
AtHomeWithSarahBeenyAutumn2016 - 114
AtHomeWithSarahBeenyAutumn2016 - 115
AtHomeWithSarahBeenyAutumn2016 - 116
AtHomeWithSarahBeenyAutumn2016 - 117
AtHomeWithSarahBeenyAutumn2016 - 118
AtHomeWithSarahBeenyAutumn2016 - 119
AtHomeWithSarahBeenyAutumn2016 - 120
AtHomeWithSarahBeenyAutumn2016 - 121
AtHomeWithSarahBeenyAutumn2016 - 122
AtHomeWithSarahBeenyAutumn2016 - 123
AtHomeWithSarahBeenyAutumn2016 - 124
AtHomeWithSarahBeenyAutumn2016 - 125
AtHomeWithSarahBeenyAutumn2016 - 126
AtHomeWithSarahBeenyAutumn2016 - 127
AtHomeWithSarahBeenyAutumn2016 - 128
AtHomeWithSarahBeenyAutumn2016 - 129
AtHomeWithSarahBeenyAutumn2016 - 130
AtHomeWithSarahBeenyAutumn2016 - 131
AtHomeWithSarahBeenyAutumn2016 - 132
AtHomeWithSarahBeenyAutumn2016 - 133
AtHomeWithSarahBeenyAutumn2016 - 134
AtHomeWithSarahBeenyAutumn2016 - 135
AtHomeWithSarahBeenyAutumn2016 - 136
AtHomeWithSarahBeenyAutumn2016 - 137
AtHomeWithSarahBeenyAutumn2016 - 138
AtHomeWithSarahBeenyAutumn2016 - 139
AtHomeWithSarahBeenyAutumn2016 - 140
AtHomeWithSarahBeenyAutumn2016 - 141
AtHomeWithSarahBeenyAutumn2016 - 142
AtHomeWithSarahBeenyAutumn2016 - 143
AtHomeWithSarahBeenyAutumn2016 - 144
AtHomeWithSarahBeenyAutumn2016 - 145
AtHomeWithSarahBeenyAutumn2016 - 146
AtHomeWithSarahBeenyAutumn2016 - 147
AtHomeWithSarahBeenyAutumn2016 - 148
AtHomeWithSarahBeenyAutumn2016 - 149
AtHomeWithSarahBeenyAutumn2016 - 150
AtHomeWithSarahBeenyAutumn2016 - 151
AtHomeWithSarahBeenyAutumn2016 - 152
AtHomeWithSarahBeenyAutumn2016 - 153
AtHomeWithSarahBeenyAutumn2016 - 154
AtHomeWithSarahBeenyAutumn2016 - 155
AtHomeWithSarahBeenyAutumn2016 - 156
AtHomeWithSarahBeenyAutumn2016 - 157
AtHomeWithSarahBeenyAutumn2016 - 158
AtHomeWithSarahBeenyAutumn2016 - 159
AtHomeWithSarahBeenyAutumn2016 - 160
AtHomeWithSarahBeenyAutumn2016 - 161
AtHomeWithSarahBeenyAutumn2016 - 162
AtHomeWithSarahBeenyAutumn2016 - 163
AtHomeWithSarahBeenyAutumn2016 - 164
AtHomeWithSarahBeenyAutumn2016 - 165
AtHomeWithSarahBeenyAutumn2016 - 166
AtHomeWithSarahBeenyAutumn2016 - 167
AtHomeWithSarahBeenyAutumn2016 - 168
AtHomeWithSarahBeenyAutumn2016 - 169
AtHomeWithSarahBeenyAutumn2016 - 170
AtHomeWithSarahBeenyAutumn2016 - 171
AtHomeWithSarahBeenyAutumn2016 - 172
AtHomeWithSarahBeenyAutumn2016 - 173
AtHomeWithSarahBeenyAutumn2016 - 174
AtHomeWithSarahBeenyAutumn2016 - 175
AtHomeWithSarahBeenyAutumn2016 - 176
AtHomeWithSarahBeenyAutumn2016 - 177
AtHomeWithSarahBeenyAutumn2016 - 178
AtHomeWithSarahBeenyAutumn2016 - 179
AtHomeWithSarahBeenyAutumn2016 - 180
AtHomeWithSarahBeenyAutumn2016 - 181
AtHomeWithSarahBeenyAutumn2016 - 182
AtHomeWithSarahBeenyAutumn2016 - 183
AtHomeWithSarahBeenyAutumn2016 - 184
AtHomeWithSarahBeenyAutumn2016 - 185
AtHomeWithSarahBeenyAutumn2016 - 186
AtHomeWithSarahBeenyAutumn2016 - 187
AtHomeWithSarahBeenyAutumn2016 - 188
AtHomeWithSarahBeenyAutumn2016 - 189
AtHomeWithSarahBeenyAutumn2016 - 190
AtHomeWithSarahBeenyAutumn2016 - 191
AtHomeWithSarahBeenyAutumn2016 - 192
AtHomeWithSarahBeenyAutumn2016 - 193
AtHomeWithSarahBeenyAutumn2016 - 194
AtHomeWithSarahBeenyAutumn2016 - 195
AtHomeWithSarahBeenyAutumn2016 - 196
AtHomeWithSarahBeenyAutumn2016 - 197
AtHomeWithSarahBeenyAutumn2016 - 198
AtHomeWithSarahBeenyAutumn2016 - 199
AtHomeWithSarahBeenyAutumn2016 - 200
AtHomeWithSarahBeenyAutumn2016 - 201
AtHomeWithSarahBeenyAutumn2016 - 202
AtHomeWithSarahBeenyAutumn2016 - 203
AtHomeWithSarahBeenyAutumn2016 - 204
AtHomeWithSarahBeenyAutumn2016 - 205
AtHomeWithSarahBeenyAutumn2016 - 206
AtHomeWithSarahBeenyAutumn2016 - 207
AtHomeWithSarahBeenyAutumn2016 - 208
AtHomeWithSarahBeenyAutumn2016 - 209
AtHomeWithSarahBeenyAutumn2016 - 210
AtHomeWithSarahBeenyAutumn2016 - 211
AtHomeWithSarahBeenyAutumn2016 - 212
AtHomeWithSarahBeenyAutumn2016 - 213
AtHomeWithSarahBeenyAutumn2016 - 214
AtHomeWithSarahBeenyAutumn2016 - 215
AtHomeWithSarahBeenyAutumn2016 - 216
AtHomeWithSarahBeenyAutumn2016 - 217
AtHomeWithSarahBeenyAutumn2016 - 218
AtHomeWithSarahBeenyAutumn2016 - 219
AtHomeWithSarahBeenyAutumn2016 - 220
AtHomeWithSarahBeenyAutumn2016 - 221
AtHomeWithSarahBeenyAutumn2016 - 222
AtHomeWithSarahBeenyAutumn2016 - 223
AtHomeWithSarahBeenyAutumn2016 - 224
AtHomeWithSarahBeenyAutumn2016 - 225
AtHomeWithSarahBeenyAutumn2016 - 226
AtHomeWithSarahBeenyAutumn2016 - 227
AtHomeWithSarahBeenyAutumn2016 - 228
AtHomeWithSarahBeenyAutumn2016 - 229
AtHomeWithSarahBeenyAutumn2016 - 230
AtHomeWithSarahBeenyAutumn2016 - 231
AtHomeWithSarahBeenyAutumn2016 - 232
AtHomeWithSarahBeenyAutumn2016 - 233
AtHomeWithSarahBeenyAutumn2016 - 234
AtHomeWithSarahBeenyAutumn2016 - 235
AtHomeWithSarahBeenyAutumn2016 - 236
AtHomeWithSarahBeenyAutumn2016 - 237
AtHomeWithSarahBeenyAutumn2016 - 238
AtHomeWithSarahBeenyAutumn2016 - 239
AtHomeWithSarahBeenyAutumn2016 - 240
AtHomeWithSarahBeenyAutumn2016 - 241
AtHomeWithSarahBeenyAutumn2016 - 242
AtHomeWithSarahBeenyAutumn2016 - 243
AtHomeWithSarahBeenyAutumn2016 - 244
AtHomeWithSarahBeenyAutumn2016 - 245
AtHomeWithSarahBeenyAutumn2016 - 246
AtHomeWithSarahBeenyAutumn2016 - 247
AtHomeWithSarahBeenyAutumn2016 - 248
AtHomeWithSarahBeenyAutumn2016 - 249
AtHomeWithSarahBeenyAutumn2016 - 250
AtHomeWithSarahBeenyAutumn2016 - 251
AtHomeWithSarahBeenyAutumn2016 - 252
AtHomeWithSarahBeenyAutumn2016 - 253
AtHomeWithSarahBeenyAutumn2016 - 254
AtHomeWithSarahBeenyAutumn2016 - 255
AtHomeWithSarahBeenyAutumn2016 - 256
AtHomeWithSarahBeenyAutumn2016 - 257
AtHomeWithSarahBeenyAutumn2016 - 258
AtHomeWithSarahBeenyAutumn2016 - 259
AtHomeWithSarahBeenyAutumn2016 - 260
AtHomeWithSarahBeenyAutumn2016 - 261
AtHomeWithSarahBeenyAutumn2016 - 262
AtHomeWithSarahBeenyAutumn2016 - 263
AtHomeWithSarahBeenyAutumn2016 - 264
AtHomeWithSarahBeenyAutumn2016 - 265
AtHomeWithSarahBeenyAutumn2016 - 266
AtHomeWithSarahBeenyAutumn2016 - 267
AtHomeWithSarahBeenyAutumn2016 - 268
AtHomeWithSarahBeenyAutumn2016 - 269
AtHomeWithSarahBeenyAutumn2016 - 270
AtHomeWithSarahBeenyAutumn2016 - 271
AtHomeWithSarahBeenyAutumn2016 - 272
AtHomeWithSarahBeenyAutumn2016 - 273
AtHomeWithSarahBeenyAutumn2016 - 274
AtHomeWithSarahBeenyAutumn2016 - 275
AtHomeWithSarahBeenyAutumn2016 - 276
AtHomeWithSarahBeenyAutumn2016 - 277
AtHomeWithSarahBeenyAutumn2016 - 278
AtHomeWithSarahBeenyAutumn2016 - 279
AtHomeWithSarahBeenyAutumn2016 - 280
AtHomeWithSarahBeenyAutumn2016 - 281
AtHomeWithSarahBeenyAutumn2016 - 282
AtHomeWithSarahBeenyAutumn2016 - 283
AtHomeWithSarahBeenyAutumn2016 - 284
https://europe.nxtbook.com/emp/AtHome/yourbusiness2021
https://europe.nxtbook.com/emp/AtHome/athomewithchrisjessen2018
https://europe.nxtbook.com/emp/AtHome/athomewithsarahbeenyautumn2017
https://europe.nxtbook.com/emp/AtHome/athomewithlorrainekelly2017
https://europe.nxtbook.com/emp/AtHome/athomeparentingwithJoFrost2017
https://europe.nxtbook.com/emp/AtHome/SarahBeenySpring2017
https://europe.nxtbook.com/emp/AtHome/AskTheDoctorWithDrJessenFebruary2017
https://europe.nxtbook.com/emp/AtHome/AtHomeWithTessDaly2016
https://europe.nxtbook.com/emp/Careers/YourBusinessWithJamesCaan2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithGloriaHunnifordOctober2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithSarahBeenyAutumn2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithLorraineKelly2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithJoFrostJune2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithSarahBeenySpring2016
https://europe.nxtbook.com/emp/AtHome/AtHomeWithDrChristianJessen2016
https://europe.nxtbook.com/emp/AtHome/AthomeWithTessDaly2015
https://europe.nxtbook.com/emp/AtHome/YourBusinessWithJamesCaanAutumn2015
https://europe.nxtbook.com/emp/AtHome/AthomeWithSarahBeeny2015
https://europe.nxtbook.com/emp/AtHome/AthomeWithGloriaHunniford2015
https://europe.nxtbook.com/emp/AtHome/AtHomeLorraineKelly2015
https://europe.nxtbook.com/emp/AtHome/JoFrost15
https://europe.nxtbook.com/emp/AtHome/SarahBennyMay2015
http://europe.nxtbook.com/emp/AtHome/OrthopaedicSupplementMarch2015
https://europe.nxtbook.com/emp/AtHome/DrChristianJessenFeb2015
http://europe.nxtbook.com/emp/AtHome/athomewithtessdaly
http://europe.nxtbook.com/emp/AtHome/jobsandcareers2014
https://europe.nxtbook.com/emp/AtHome/yourbusinesswithjamescaan
http://europe.nxtbook.com/emp/AtHome/athomewithsarahbeeny
http://europe.nxtbook.com/emp/AtHome/parentingjofrost
https://europe.nxtbook.com/emp/AtHome/drchristianjessen
http://europe.nxtbook.com/emp/AtHome/Athomelorrainekelly
http://europe.nxtbook.com/emp/AtHome/Athomesarahbeeny
http://europe.nxtbook.com/emp/AtHome/Cheers_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Christmas_New_year_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Exclusive_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Jo_Frost_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Carol_Vorderman_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Christian_Jessen_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Sarah_Beeny_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_Lorraine_Kelly_2013
http://europe.nxtbook.com/emp/AtHome/At_Home_James_Martin_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Jo_Frost_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Dr_Chris_Steele_Sept_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Sally_Gunnell_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Sarah_Beeny_Aug_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Lorraine-Kelly_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_Christian_Jessen_2012
http://europe.nxtbook.com/emp/AtHome/At_Home_James_Martin_2011
http://europe.nxtbook.com/emp/AtHome/At_Home_Sarah_beeny_winter_2011
http://europe.nxtbook.com/emp/AtHome/Lorraine_Kelly_Nov_2011
http://europe.nxtbook.com/emp/AtHome/At_Home_Marco_Pierre_White_2011
http://europe.nxtbook.com/emp/AtHome/AtHome/Jo_Frost_July_2011
http://europe.nxtbook.com/emp/AtHome/Lorraine_Kelly_June_2011/Lorraine_Kelly_June_2011
http://europe.nxtbook.com/emp/AtHome/Sarah_Beeny_May_2011
https://www.nxtbookmedia.com