Money blog: Soldier reveals financial benefits of army - including pension after 12 years and £100-a-month rent (2025)

Essential reads
  • 'I only have two bills and get a pension after 12 years': Soldier reveals financial benefits of army
  • The week in money: Surprises for economy - and lots of thoughts on one multimillionaire
  • 'If I turn up at your door you're likely getting thousands - sometimes millions'
  • How to make most money at a car boot sale - and find hidden gems
  • Renowned chef shares his worst type of customer, most overrated food and cheap recipe

10:00:01

What impact could Trump have on world markets?

Today, Donald Trump will become the 47th president of the United States, and investors will be keeping a close eye on his inauguration speech for signs of what's to come under his leadership.

His unpredictable nature has the potential to shake markets around the world, and his swearing in ceremony could kick-start a more volatile period.

Susannah Streeter, head of money and markets at Hargreaves Lansdown, said some of the turmoil that has already been seen is likely to continue as speculation swirls about Trump's trade policies.

"There's inevitably a lot of focus on what the impact could be for the global economy when higher tariffs are introduced. UK investors should brace for some volatile patterns of trading on the financial markets," she warned.

"However, it's important to remember that investing takes endurance and patience and that the stock market has historically risen over the long term."

Trump's plans raise inflationary risks around the world

US exporters are likely to be hit by higher tit-for-tat duties in return if Trump introduces widespread tariffs, Streeter added.

She said this could prove to be inflationary, as higher tariffs feed through to higher prices for goods in American shops.

"This, in turn, may add to clamour for higher wages. Already, concerns that this will drastically limit the Federal Reserve's capacity to bring reduce interest rate has rattled bond markets, pushing up government borrowing costs," she explained.

This might see the dollar strengthened even further, which could import inflation to other countries - including the UK.

"Many imports used in an array of goods which are bought on wholesale markets are priced in dollars, which will be more expensive if the greenback takes on more muscle," Streeter said.

"This could push up the prices of an array of some products on the shelves. If countries hit back with tariffs on imports from the US, that could also push up consumer prices."

However, she said the risks of that happening in the UK were low, particularly given that Britain's trade with America is focused on services, where tariffs are unlikely to be imposed.

UK interest rates could be impacted

The Bank of England will also be assessing the potential inflationary risks of a Trump presidency.

In recent weeks, we have seen government borrowing costs rise due to spikes in gilt yields.

But, Streeter said that if Chancellor Rachel Reeves is forced to bring in spending cuts or further tax rises, or if there are other "detrimental effects"of Trump's tariffs, it may prompt the Bank of England to cut interest rates a "little faster this year, than financial markets are predicting".

She added that there was also a risk that mortgage rates could "rise a little further" before falling in line with the Bank's interest rate cuts.

"The better savings rates being offered may also hang around for a big longer, but there are also set to disappear once policymakers vote for a rate reduction, so it's worth locking into a good deal sooner rather than later," she said.

How Trump could help carmakers and the financial sector

Streeter said Trump's tariffs may help manufacturers focused on the US domestic market, such as carmakers General Motors and Ford.

"Tariffs on big Chinese e-commerce players would also be a benefit to Amazon but also retailers with a big online presence like Walmart. Smaller US companies may also be beneficiaries, as they benefit from US supply chains being beefed up," she explained.

"If the Fed, as expected, goes slow with rate cuts, the elevated interest rate environment may prove beneficial to the US financial sector, as it would boost net-interest margins, and bring in more money, with banks like Wells Fargo, Bank of America, as well as smaller lenders potential beneficiaries."

'Drill baby drill' could bring oil prices down

Trump has vowed to "drill baby, drill" during his time in office, which essentially means boosting production of fossil fuels.

"Prices at the pumps risk been creeping up again after gains in crude oil due to fresh supply concerns prompted tougher sanctions on Russia," said Streeter.

"However, if the US produces more oil, it would boost supplies on world markets and potentially help lower prices. This is unlikely to happen in the short term, and energy companies may still be cautious about ramping up production, keen to ensure there’s the right balance of oil on world markets to stay profitable."

Gold prices set to stay elevated

One investment that Streeter said remains strong during times of uncertainty is gold - and it had a "stellar run in 2024".

"While returns may not continue at this pace, the uncertain outlook, combined with increased buying from central banks, particularly in emerging markets, means that the commodity could continue to enjoy support," she said.

Bond prices under pressure

When it comes to bond prices, Streeter's advice for investors was not to panic.

"Investment objectives should usually focus on longer-term objectives, and shorter-term volatility is to be expected," she said.

"However, it's worth investors reviewing where they're invested and whether the split between shares and bonds is still what they want, given their objectives."

08:45:01

Businesses giving staff days off, treats and £1,000 interest free loans to tackle Blue Monday

By Jess Sharp, Money blogger

Businesses are giving staff days off, gift vouchers or access to interest free loans to help them cope with "Blue Monday".

Today - the third Monday of January - is considered to be the most depressing day of the year, with people feeling the pinch of an extra long stretch between pay day, culminating with an end to the festive season and cold weather.

The term was first coined by psychologist Dr Cliff Arnall in 2004 after he supposedly devised the formula for the bleakest day to help a travel company sell holidays.

While many psychologists consider there to be no scientific credibility to support it, the term has stuck ever since.

Data provided to Money by WorldPay shows travel spending increased by 37% on Blue Monday last year, compared to the week prior.

The total value of online payments also increased, rising by 7%.

Pete Wickes, general manager of EMEA enterprise at Worldpay, said: "While retail events like Black Friday may be better known, Blue Monday is gaining traction as a notable date in the calendar for sectors like the travel industry.

"Marketed well, for merchants these events are opportunities to kick-start the year, while for shoppers they represent a way to beat the January blues with a little discretionary spending."

Despite multimillionaires criticising the UK workforce for being obsessed with having a work-life balance last week, several companies have launched initiatives for their employees to cope with the January blues.

James Thurlow-Craig, managing director atCreate Designs, has previously given his staff Blue Monday off, but this year he has planned an activity for his team instead - they're going glass blowing.

"The team had been joking internally that as a team building activity they'd want to do a team 'school trip' somewhere for the day. They wanted something where we take the day off to do something fun but slightly educational," he said.

"On a professional level, over the last 13 years we've really seen the positive impact on the business it has when the team are motivated and generally happy, so we make sure to organise trips and activities whenever we can to recognise their hard work."

Sophie Rhone, owner of Cupid PR, has taken it one step further, offering all her staff the day off to recuperate.

"We're strong advocates of maintaining work-life balance, especially after my 10 years working at a global agency, where I witnessed first hand how quickly burnout can occur, particularly by the end of Q1," she said.

"We decided to pay all of our contractors and freelancers while closing for the day as a gesture of appreciation for their hard work. This initiative is aimed at helping them recharge and avoid burnout, fostering a happier and moreproductive team in the long term."

Across Leeds, London, Manchester and Edinburgh, staff at PrettyGreen will be given a £50 gift voucher to spend on "something that will give them an endorphin boost".

CEO Jessica Hargreaves Paczek has also given her employees an early pay day and access to a "no questions asked" £1,000 interest free loan.

"We don't know specifically how Blue Monday impacts our staff as it's against our company values to ask intrusive personal questions. But we do know that January is synonymous with feeling low," she said.

"We regularly consult our team to understand what will add most value to them. So, our January well-being and Blue Monday initiatives are based on what the team found most effective for their well-being in previous last years."

Staff can access mental health advice, online gym classes and nutritional advice throughout January too.

How does Blue Monday affect people's mood and what can you do to combat it?

New research from Mental Health First Aid England revealed that only 17% of employees feel motivated to go to work each day.

One in 10 employees said they never feel inspired by their job, and less than a quarter felt enthusiastic daily.

Combined with a spell of winter blues, January can prove to be a month when more people feel down, tired, irritable and stressed.

Dr Phil Clarke, senior lecturer in psychology at the University of Derby pointed out that depression is a "much more distressing and a longer-term condition than one key day".

"Instead of being pessimistic in January, it can be an exciting and optimistic month for people. It is an opportunity to start fresh," he said.

Here are some of his suggestions to help you through:

Strive to achieve your New Year's resolutions

If you are struggling to stick to your New Year's resolutions, he advised going back over them and re-evaluating where you could make small changes to help you achieve your goals.

Get outside and exercise

Exercise helps release endorphins in the brain, which are known as "happy chemicals", he said.

"You may feel tired and sore immediately after working out, but you will feel mentally more positive, happy and experience a mental high.

"Regular exercise helps reduce stress and feelings of anxiety, boosts your self-esteem and helps with your sleep. So, keep active."

Spend time with friends and family

"This does not cost anything financially and can instantly make you feel better by putting a big smile on your face," Clarke added.

"Positive psychology shows that counting your blessings and be mindful of the good things in your life can lead to improvements in mood and wellbeing."

Try a hobby or volunteer

Dr Clarke said starting a new activity or volunteering could help.

"As well as looking after yourself, there is nothing better than the feeling of helping others. If you have some spare time, see what volunteering opportunities are on offer in your local area and lend a hand to those who need it," he added.

08:14:59

FTSE 100 takes a 'pause for breath' ahead of Trump's inauguration

By James Sillars, business and economics reporter

The FTSE 100 is clinging on to Friday's record closing high.

The top flight index rose 1.4% on the day to hit 8,505 points at the end of last week.

Values were largely boosted by a weaker pound.

It's explained by the fact that around 80% of revenues for FTSE 100 firms come from overseas. These are worth more to a company when that money is booked back in the UK.

Analysts suggested that Monday's open, that saw the index rise by just one point, reflected a pause for breath ahead of Donald Trump's inauguration.

A flood of policy announcements could follow later in the day.

A combination of dollar strength and sterling weakness is still swirling around the UK currency.

It took a fresh hit on Friday after weak retail sales data was seen as bolstering the case for more UK interest rate cuts this year.

The pound stood at $1.22 and €1.18 in early London-based trading, with little sign of much recovery in the short term after the pounding it has received in recent weeks.

Indeed, it has been in decline against the dollar since September, when the UK currency was worth $1.34.

Another market we've been keeping a close eye on has been oil.

A barrel of Brent crude remains at $80.

Stalling upwards momentum are broad hopes around peace in the Middle East and speculation that Mr Trump could ease some Russian energy sanctions to help lubricate the path to peace with Ukraine.

Harsher US sanctions on Russian oil are currently supportive of prices.

05:53:34

'I only have two bills and get a pension after 12 years': Soldier reveals financial benefits of army

If you've ever spent your Monday morning commute daydreaming about starting afresh with your career, this feature is for you, as each week we speak to someone from a different profession. Today we're chatting to Lance Bombardier Olivia O'Malley, 35, who specialises in communications with the Royal Artillery.

People think it's all about combat... but the army has over 120 different jobs. I'm not actually on the frontline, but I can aid the frontline. I work with the Watchkeeper, which is a type of drone - it's pretty cool - and do surveillance and communications.

You start on just over £25k...when you finish basic training. Specialist roles will pay extra, and as you move up the ranks you will get paid more. For example, as Lance Corporal you are looking at around £30k.

But...the army also offers subsidised living. You can get breakfast for £1.95, lunch for £2.60 and so on. You'll probably find yourself living in a block of flats, a bit like a Premier Inn, with a room and an en-suite and you will be paying maybe £100 a month. The rooms aren't bad and you have other people living on your corridor, so you aren't isolated, which makes a difference because you can be living miles from home.

All you have to pay for is a mobile phone and internet... and the rest of the money is yours. So there is plenty of opportunity to save for your future.

The time off is pretty good...I get two weeks at Easter, three weeks of summer leave, two weeks at Christmas and then all of the bank holidays as well, so you can get into a really nice routine.

I would recommend the army to women... You can get a lot out of it, and people don't always realise what is available. It is not quite as male-dominated an organisation, there are lots of female soldiers.

Some army jobs require no GCSEs...while some require the standard two (English and maths), and some you may need five. If you're thinking of going down the officer route you will need 72 UCAS and 35 ALIS points, including a C/4 or above in some subjects.

You go from being a civilian to a soldier during basic training... It's a 13-week course and you're firing weapons, you are working on your fitness and learning how to act.

The most important skill... is being a team player. In my department, we have seven people, and if you are high ranking you need leadership skills, which the army teaches you, but you also need to be a team player because it is still just a small team.

Some of the hardest days...are being sent on a promotion course. They include going out into the field because you are a soldier first. Both of mine have been in November, and it's cold and miserable but you have to have the mental resilience to push through it. If you fall into the negative, things don't work.

You get pension benefits after 12 years... so that was my first goal. Now I can see myself staying for my whole career - the army is a big place and it offers a lot of roles.I want to work as an army welfare officer...so if I do ever retire from the army I can retrain in that sort of field.

You getloads of qualifications for free... whencivilians would have to pay. I've passed my summer mountaineering, I've done my army boxing coach level one course, adventure training. You really appreciate all the opportunities you get. I also took part in Project Convergence 2022, which took place in Death Valley in the USA, testing new technologies. Being deployed out in the desert, watching Elon Musk launch a satellite, hiring a car and going to Vegas for $20 - all of these wouldn't be possible in a normal civilian job.

05:52:13

Five reasons to check in with Money this week

Welcome back to Money, Sky News' hub for personal finance and consumer news, tips and analysis.

Here are five reasons to pop back over the coming days...

Days off, £1,000 loans and gift cards - how businesses are combatting Blue Monday

Today is supposedly the most depressing day of the year, with people coping with financial stress, the end of the festive period and the cold weather.

We've spoken to business owners who are hoping to lift people's spirts and keep their workforce motivated with different initiatives to banish the January Blues.

Dr Phil Clarke also gives his top tips for keeping your mental health in check.

What will a Trump presidency mean for the global economy?

We'll be looking to answer this a little later today ahead of the tycoon's second inauguration.

'My daughter's landlord isn't returning her deposit. What can I do?'

Every Tuesday, we get an expert to answer your financial problems or consumer disputes.

One reader has been in touch to say her daughter's landlord is refusing to refund her deposit, despite her emailing and calling several times.

Consumer expert Scott Dixon tackles this one and sets out what she could be entitled to.

Award-winning TV chef gives us her top cooking tips - and reveals why it's hard to make money as a restaurateur

Andi Oliver sits down with the Money blog this week to talk about the hospitality industry as part of our Cheap Eats series.

She gives us her top cooking tips and the best recipe to make on a budget.

Eight of the best cheap meals to make at home

Throughout the last year, the very best chefs in the UK shared their favourite budget restaurants and recipes with Money.

From Alex Dilling's fried chicken to Daniel Clifford's risotto, there was something for everyone.

Our Saturday feature brings you the eight best meals to make at home.

Theaward-winning Money blogis produced by Money reporter Jess Sharp and edited by live editor Jimmy Rice, with additional reporting from the Sky News' live blogging team.

06:56:11

'If I turn up on your doorstep you're likely getting thousands - sometimes millions'

ByMegan Harwood-Baynes, cost of living specialist

If Ryan Gregory turns up on your doorstep, chances are you're about to inherit some money.

For more than two decades, Ryan has been working as an heir hunter, tracking down distant relatives from around the world and reuniting them with money they didn't even know they were in line to inherit.

When someone dies without a will or an obvious next of kin, it is up to heir hunters to locate distant relatives or the money goes to the government and the King.

Now the international manager at Finders International, one of the bigger firms in the business, which was previously featured on the BBC's Heir Hunters, Ryan began working for the company aged 18 when it was only a handful of people working out of a converted flat in South Kensington.

But business is booming in the world of unclaimed estates. The company now employs more than 150 people and the amount of money involved is getting bigger each year.

"When I started, it probably took five years to get a £1m estate. That was a big deal at the time, there would be a sense of gravitas to it," he said.

"And now, as a company, we probably get million-pound-plus cases many times a week - I would imagine that is due to the vast increase in property prices."

He is working on a case in New York that is processing through probate. After spending several years tracking down a missing nephew, one heir is now $5m richer.

'I inherited a windfall from a stranger'

When Allan Reay, 74, died alone in Gateshead in 2022, there was no next of kin to inherit his estate, worth £28,000. Finders International quickly established that Allan was an only child who had never married or had children of his own.

When a retired North Yorkshire teacher, now living in France, got a call to say she was in line to receive part of the inheritance, she assumed it was a scam.

Joan, 82, a distant cousin of Allan's (her father and Allan's mother were siblings) was sceptical at first, she said. "It's not the type of phone call that I would expect - I was definitely suspicious."

But after her son confirmed Finders International was legitimate, she "inherited a windfall".

"I wasn't expecting it and I was utterly surprised. You just don't expect something like that to happen to you. My husband and I plan to spend it on a holiday or maybe even a cruise," she said.

Joan hadn't seen Allan for many decades and was one of 10 beneficiaries that were tracked down. She remembered her distant cousin as chatty and amicable.

"I am quite startled at the entire process and how Finders tracked me down in France, along with several other relations of Allan's from both sides of his family," she said.

Lost siblings reunited

In 2023 two siblings who didn't know the other existed were both handed £12,000 from a complete stranger.

Raymond and Brenda Ward received unexpected letters telling them they would inherit the estate of 90-year-old George Potter, who had died alone in a nursing home three years before with no obvious next of kin - and no recipient for his estate.

Finders International discovered that although George had no children, he did have an "illegitimate" half-brother, born 11 years before him, named Dennis Ward.

Raymond and Brenda were Dennis's children, but from two separate relationships, which meant neither realised they had a half-sibling.

The pair now write to each other regularly, enjoying the connection their uncle has brought them, as well as the inheritance.

How does an heir hunter track you down?

When a case comes across their desk, Ryan's first step is to visit the deceased's last known address.

"We speak to the neighbours, the person at the corner shop, the local pub. If they have a particular religion, is there a community centre near by?" he said.

They then look to see if there are any marriage records or birth certificates that may help them find any children. The UK, he explained, has pretty extensive records, but other countries may not.

"We have to cast our net pretty wide and try and find out as much as possible - especially now we are living in an age where people have children outside of marriage."

The target for closing a case is up to three months - they have even managed to find heirs before the funeral took place - but some are more complicated, and Ryan recently clocked out a case that was 10 years old.

They use all public sources at their disposal - from public records to the British Library and open social media accounts.

When they do find someone, the reaction can be mixed.

"Sometimes there is a guilt from inheriting money from someone you didn't know," Ryan said.

How does the King get hold of your assets?

Half of Britons don't have a will, according to research by Canada Life last year - and 41% of those who don't have one aren't worried about it.

But if you die without one, and if there's no clear next of kin, all your assets could be given to either the King or the government.

There are more than 6,000 unclaimed estates in England and Wales.

Claims must be made within 30 years of the death of the individual.

Due to a rule that dates from the Middle Ages, if a person in Cornwall dies without having made a will (also known as dying intestate), and with no surviving relatives, then the estate automatically goes to the Prince of Wales.

A similar rule is in place in Lancaster for the Duchy of Lancaster - an estate owned by the King.

According to the most recent accounts, the duchy received £4.1m from intestate estates (before costs were taken out) in the year to September 2023.

But the duchy has previously denied that these unclaimed funds go into royal income, saying they are given to charities or used for environmental projects or to maintain properties on the estate.

For the rest of the country, if someone dies without a will and next of kin, it is passed over to the Treasury.

How do heir hunters make money?

Just under 50% of the work Finders International does is pro bono, and for the rest, they work on a commission basis.

Sometimes the lawyer handling the deceased person's estate "can authorise a fee".

"But we normally do the research to find people, track them down, link them to the estate and then we ask them to sign a fee agreement," Ryan said.

What to do if you are contacted by an heir hunter

There are hundreds of amateur sleuths, hoping to capitalise on the prominence of TV shows like Heir Hunters.

So before you sign any paperwork (which may ask you to give away a chunk of any inheritance) do your research on the firm - is it legitimate?

Ryan said the first thing to do is check and see if you recognise the name the heir hunter is giving you.

"If you've got a letter from overseas and someone is telling you that you've won an amount of money that is probably too good to be true and you don't recognise the name, I say it is a real warning sign," he said.

You can always consult the Bona Vacantia, the unclaimed estates list, to see if you know the person who died.

If it is a distant relative you haven't met, you may be best employing the services of an heir hunter, but make sure you know exactly what you are signing up for.

18:00:01

A week of surprises for the economy - and a lot of thoughts on one multimillionaire

By Jess Sharp, Money blogger

The UK economy was making headlines throughout the week as attention turned to inflation, GDP figures and the possible impact of Donald Trump's inauguration on Monday.

After a week of intense scrutiny over high government borrowing costs, Chancellor Rachel Reeves was offered a small reprieve when inflation figures came in lower than expected - 2.5% instead of 2.6%.

Our business and economics correspondent Paul Kelsolooked at what was behind the fall...

The figure allowed markets to readjust their expectations of a Bank of England interest rate cut, with the chance of one coming in February increasing to 83% and three now anticipated throughout the year instead of two.

Markets also calmed, with the sell-off on government bonds falling back thanks to the surprise fall in inflation.

It spelled good news for mortgage holders, with easing in the bond market helping to keep a lid on the rise in lenders' interest rates.

But, by the end of the week, things were looking a little shakier, with GDP figures showing weaker-than-expected growth (0.1%) in November.

Prime Minister Sir Keir Starmer seemed unfazed by the data, telling a news conference his government would be "unrelenting" in its pursuit of economic growth.

But Kelso wasn't as positive in his analysis of the situation...

Another surprise came when the FTSE 100 soared to a new record high thanks to investors buying up shares in Britain's largest companies because of the weak pound.

And, as the world prepares for Donald Trump to take office on Monday, we saw a rise in concern about the impact of his potential tariff policies.

Germany is likely to be a prime target for such tariffs, and it saw its economy contract for a second consecutive year this week.

Our business presenter Ian King explained why this was the data everyone should be paying attention to...

One of our most read stories this week didn't come from any economic performance though... it came from multimillionaire James Watt.

The co-founder of BrewDog accused UK workers of being obsessed with having a work-life balance, saying they were the "least work-oriented people in the world".

His comments really got you talking, and while many of you agreed with his point of view, a lot of you couldn't disagree more.

We're signing off for the week now - but don't forget to check out our Saturday long read from 8am. This week we're exploring the life of an heir hunter...

17:35:01

How many people use the 'bank of mum and dad'?

Younger generations have been struggling with house price affordability, high rents and a cost of living crisis - leaving many to ask for help from family.

More than a third of 35 to 44-year-olds still rely on the"bank of mum and dad", according to new research.

High street bank NatWest found it was the youngest generation that received the most help from their parents, with 55% of 18 to 24-year-olds saying they had received cash from them in the past year.

That was also the case with 39% of 25 to 34-year-olds and one in five 45 to 54-year-olds.

Mum and dad were also found to be contributing for different types of things - not just your typical "help for your wedding" or house deposit.

Here are the things most people had help from their parents on:

  1. Wedding costs: 18%
  2. Groceries and household expenses: 18%
  3. University costs: 17%
  4. First home deposits: 17%
  5. Rent/mortgage payments: 15%
  6. Car payments or insurance: 15%
  7. Paying for meals out: 13%
  8. Utility bills: 12%
  9. Holidays: 12%
  10. Home renovations or repairs: 9%

A NatWest spokesperson said: "It's fantastic that so many parents are in a position to take action to help their adult children, but it's important that families have honest conversations about money."

17:01:10

FTSE 100 closes on record high

By Sarah Taaffe-Maguire, business and economics reporter

The UK's benchmark stock index has reached another record high.

The FTSE 100 index of most valuable companies on the London Stock Exchange closed at 8,505.69, breaking the record set last May.

It had already broken its intraday high at 8532.58 on Friday afternoon, meaning it reached a high not seen before during trading hours.

The weakened pound has boosted many of the 100 companies forming the top-flight index.

16:45:01

Top three energy providers revealed

Octopus Energy, Utility Warehouse and 100Green have been named the best energy providers in a survey.

Consumer championWhich? asked almost 12,000 energy customers to share their experience and their assessment of 16 firms' practices and policies to get the result.

It found Octopus Energy achieved the highest overall score of 74%, with just under nine in 10 customers saying they were satisfied and would recommend it to others.

The energy supplier also scored maximum points for customer support.

Utility Warehouse received the second-highest overall score of 73%, while 100Green received an overall score of 70%.

Meanwhile, British Gas, Scottish Power and Ovo Energy scored the lowest rankings.

British Gas achieved a below-average customer score of 61% and was one of only four suppliers to receive just two stars for overall customer service.

It also received two stars for value for money, and performed poorly for the volume of customer complaints it received in the first half of 2024 and for how efficiently it resolved these complaints.

Ovo, now the third-largest energy provider in the UK, received the lowest customer score of 56%, with customers reporting negatively on its value for money and communication.

And Scottish Power scored an overall score of 59% but its 58% customer score was the second-lowest in the survey.

It only received two stars for overall customer service, ease of contact, value for money and customer communications.

Money blog: Soldier reveals financial benefits of army - including pension after 12 years and £100-a-month rent (2025)
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