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The Key To Creating Authority Sites
I have been having fun lately making a few changes here and there to my website. Change is good in the online world because it makes your site a dynamic one rather than giving your visitors the same, unchanging information that won't make them come back for more. It is more than just change that brings your visitors back to your site though – you also want to provide quality, useful content that gives the visitor something they can sink their teeth into – something of real value. That is what an authority site is – one that provides valuable, changing content in an easy-to-use, interactive way that will keep your visitors interested and anxious for the next updates.

There are websites out there that are just slapped up quickly to earn an extra buck – for example, Adsense sites that are nothing more than a one-page ad. The problem is that they provide no dynamic content and are not sites that other sites would want to link to. If you have sites wanting to link to yours, then you probably have some quality content that makes people and other authority sites want to link to your site, which in turn gives your site more authority.

One of the main features of an authority site is that while it will be focused on a specific niche, or market, it will also have a general domain, and many sub-domains on a variety of topics. For example, a site on how to online could have a general domain like "Making Money Online", and sub-domains within that such as "Advertising", "Marketing", "Website Promotion", "Website Design", "Prospecting", and so on. The reason this is a good way to setup your site is because it drives traffic to you general domain, as well as driving traffic to each sub-domain.

Next, you want to make sure your site is easy to use and makes the user experience and

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Free Club Penguin Rare Member Account(Password At The End)

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Thoroughbreds Don't Cry - Original Trailer 1937

Young Roger Calverton (Ronald Sinclair) and his uncle Sir Peter Calverton (Sir C. Aubrey Smith) bring their prize race-horse The Pookah to America, hoping to win a major purse and save their impoverished family estate. They cross paths with Tim Donahue (Mickey Rooney), one of the top young jockeys in the business, and also with Cricket West (Judy Garland), the niece of Mother Ralph (Sophie Tucker), who runs the boarding house where Donahue resides. Cricket likes to sing every chance she gets, and also has a terrible crush on Tim, but even she can't abide his brash, cocky attitude about himself -- and as a good hostess and also a sensible girl, she also gets just a tiny bit smitten with Roger. He and Tim have a rough first meeting but find that they do sort of like each other, and soon Tim -- who has had a tough, hard-scrabble life -- becomes very close to his new friend from England and to Sir Peter, especially when he finds out how much they love horses and racing. He agrees to ride The Pookah -- but then the young jockey is suckered by his estranged father (Charles D. Brown), a low-life member of a gambling syndicate, into throwing the race. This leads to a tragedy that forces Tim to walk away from his profession and everyone he knows, until Cricket finds him and convinces the boy that what he did wasn't entirely his fault, and that he still has the power to make up for a part of it. Tim steals some of the money he gave his father -- supposedly to save the man's life -- to help Roger get The Pookah into another race, but he still has to overcome the machinations of the mob so he can right the wrong he did to the best friends he's ever had. Judy Garland - Cricket West Mickey Rooney - Tim Donahue Sophie Tucker - Mother Ralph C. Aubrey Smith - Sir Peter Calverton Ronald Sinclair - Roger Calverton Forrester Harvey - Wilkins Charles D. Brown - Click Donahue Frankie Darro - Dink Reid Henry Kolker - Doc Godfrey Francis X. Bushman - Race Steward Elisha Cook, Jr. - Boots Maguire Helen Troy - Hilda

Author: foxter65
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Added: January 6, 2009

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How to Make Money Online - Affiliate Marketing #1

Maverick Wealth Wave (http://www.MaverickWealthWave.com)- Video on how to make money online through affiliate marketing - promoting goods & services, or even by qualifying leads for legitimate companies, that can bring your substantial income monthly. This video explains how, as an affiliate marketer, just about anyone can build a great income online. This video is by an accomplished Internet Millionaire who made just over $2 mil over 6 months, all by just being an affiliate. Visit http://www.MaverickWealthWave.com for other free videos and the complete video training system.

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Added: January 6, 2009

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Permanent

DISCLAIMER: I do not own Legend of Dragoon or the song Permanent. Those are owned by Sony and David Cook respectively. I made no money and will NOT make any money off this video. It was just for fun! This is a tribute to Lavitz, Dart, and Albert's triangle of friendship. To see the video that inspired this one go to... http://www.youtube.com/watch?v=P8_Kbq8B0pE ARTIST: David Cook Song: Permanent Visual: Legend of Dragoon.

Author: SailorCetra
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Added: January 6, 2009

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Make Money with Global Domain Internet

www.marketnet.ws http://thespiderwebsystem.com/tslaick THE SPIDERWEB MARKETING SYSTEM + GLOBAL DOMAINS NTERNATIONAL (GDI) MAKE SERIOUS MONEY ONLINE! MAKE $10,000.00 PER MONTH EASY! SIGN UP TODAY AND YOU GET PAID! you get paid-make money online-spiderweb marketing-best online jobs-work at home-business opportinity-affiliate marketing-residual income-global domains international-internet jobs-work online-work from home-internet scams-spiderweb marketing reviews-global domains international reviews-GDI-make money online with myspace facebook revver metacafe veoh guba dailymotion-rss feeds-google search-yahoo search-google index-how to make money online-you get paid-blogs-livejournal-hubpages-wordpres s-blogger-mybloglog-squidoo-stumbleupon- xanga-plaxo-mixx-bukisa-zimbio-bebo-crai gslist-kijiji-youtube video-extra income-free money-internet marketing system-yahoo video-google video-aol video-msn video you get paid-make money online-spiderweb marketing-best online jobs-work at home-business opportinity-affiliate marketing-residual income-global domains international-internet jobs-work online-work from home-internet scams-spiderweb marketing reviews-global domains international reviews-GDI-make money online with myspace facebook revver metacafe veoh guba dailymotion-rss feeds-google search-yahoo search-google index-how to make money online-you get paid-blogs-livejournal-hubpages-wordpres s-blogger-mybloglog-squidoo-stumbleupon- xanga-plaxo-mixx-bukisa-zimbio-bebo-crai gslist-kijiji-youtube video-extra income-free money-internet marketing system-yahoo video-google video-aol video-msn video you get paid-make money online-spiderweb marketing-best online jobs-work at home-business opportinity-affiliate marketing-residual income-global domains international-internet jobs-work online-work from home-internet scams-spiderweb marketing reviews-global domains international reviews-GDI-make money online with myspace facebook revver metacafe veoh guba dailymotion-rss feeds-google search-yahoo search-google index-how to make money online-you get paid-blogs-livejournal-hubpages-wordpres s-blogger-mybloglog-squidoo-stumbleupon- xanga-plaxo-mixx-bukisa-zimbio-bebo-crai gslist-kijiji-youtube video-extra income-free money-internet marketing system-yahoo video-google video-aol video-msn video you get paid-make money online-spiderweb marketing-best online jobs-work at home-business opportinity-affiliate marketing-residual income-global domains international-internet jobs-work online-work from home-internet scams-spiderweb marketing reviews-global domains international reviews-GDI-make money online with myspace facebook revver metacafe veoh guba dailymotion-rss feeds-google search-yahoo search-google index-how to make money online-you get paid-blogs-livejournal-hubpages-wordpres s-blogger-mybloglog-squidoo-stumbleupon- xanga-plaxo-mixx-bukisa-zimbio-bebo-crai gslist-kijiji-youtube video-extra income-free money-internet marketing system-yahoo video-google video-aol video-msn video

Author: Tonestir500
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Added: January 6, 2009

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The Real Local Ad Link Leaders with Nate and Andrew

This is a video Andrew and I did late night. Now I know why people hire actors! This is to get you started in the right direction to finding out about Local Ad Link and to find the right Leaders that are going to show you how to do this right and make money. Watch for upcoming videos from us, coming soon.

Author: apisher
Keywords: "Work at Home" "Local Ad Link" "Home Based Business" "Extra Money" "Extra Income" Freedom "Time for the family"
Added: January 6, 2009

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The List Of Wealthy Money Making Program Available On The Internet, Make Money Online From Home Now

looking at the job description from the company Legitimate Money Making Online Offered legitimate money,financial Advertisement Description. Earn $1000+ every week just copy & paste ads online. A Guide to making free money online. 24 websites that are REAL FREE ways to make money or work at home, with other links to help you. helps you get started making money online find the best Statistics, Description, Review. See all programs within this category Autoincome Online Money Making Systems How To Make Money Online Toolbar For Internet Explorer. Making Money Online, Home Based Inside The List is the Wealthy per day online without doing Joint Ventures with self acclaimed "GURU's" The Simple Money-making Secrets of Online Millionaires best money making opportunities. to learn more about this life changing offer, please visit our website at Money Making Jobs.org make money online how to make money online ways to make money online make easy money online make money online free investment make money online free ways make money online make money online for free easy fast make money online how can i make money online quickly casino make money online make money online while make money online today make money playing games online make money online sims make money online teenager ways free ways to make money online info make money online make money online real make money online now make money more online working free make money online make money online teen by from home make money online working make money online and work at home make money at home online make money online uk make money online trading make money online really make money online surf how to make money online free ways to make money online make big money online make money online from home make money online with affiliate program make money online teen ways free make money online survey affiliate make money online program make money online working ways for teens to make money online business home make money online make money fast online make money online survey taking how to make money online for free make money now online make real money online free join make money online make money online business make easy money online free make money online and work from home make money online guaranteed best way to make money online make money online fast make money writing online make money free online make money online easy free make extra money online how do you make money online make money online quick legitimate ways to make money online make money online how can i make money online easy ways to make money online how to make money online make fast money online money make online make money now, online, no start up cost make money online with no money students make money online how to really make money online make easy money online taking surveys best ways to make money online make free money online online ways to make money make fast easy money online make money online survey teens make money online quick and easy ways to make money online make money from home online make money online ideas make money online to read emails make money online articles make money online scams ways to make real money online the best way to make money online make money online doing nothing make money online forum make quick money online how to make money with online games free way to make money online make money business opportunity online make money in minutes online for free make money online make money online taking surveys make money online with no money asap make money online with surveys make money selling products online free on autopilot plug and play make money online how to make money online with no investment ways to make extra money online high payouts

Author: Armor1487
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Added: January 6, 2009

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My pic vid Keri Hilson ft Lil Wayne turning me on....

omg i luv this song...keri is definitly killing it!!! with the help of Polow the don...and lil wayne...yalll bets move out the way MzKeri is on her way.... this is my pic video for the song Turning me on...hope yall like it... Please dont turn me off.. yea.. like dis... where you at shawty?... you fly as hell, swagga right, brown skin poppin you know just how to talk to me know just how i like it you turnin me on, you turnin me on, you turnin me on now wait a minute lil busta u got one more time to feel on my booty, better recognize a lady that aint the way u do me, ya turnin me off, ya turnin me off, ya turnin me off, better recognize a real women..... (ahhh) you ever try to get that close to me you better come correct how you 'proachin me dime divas give it to me (ahhh) I gotta be feelin your energy i gotta be for sure that you're into me recogize a real woman Going up on it, ya actin like ya want it and you stuntin like you daddy checkin for this lil mamma you turnin me on you trunin me on you turnin me on now wait a minute lil busta now you dont even know me but you wanna take me shoppin you a lame, i cant tell it ain't big shit poppin you turnin me off x3 better recognize a real woman all you wanna do is halla at the cutest broad to get up in them draws got money dont try to buy me bottles, got my own dollars i could buy up the bar if i want it (ahhh) you ever try to get that close to me you better come correct how you 'proachin me dime divas give it to me (ahhh) I gotta be feelin your energy i gotta be for sure that you're into me recogize a real woman i'm fly as hell swagger right, brown skin poppin like dynamite raw like china white, mama i dig your persona right, you look baby mama tight, i know that got you kinda hyped, my ice is fine and white, i hope your vagina tight, i go underwater and i hope your paranna bite hahaha hot carter ima kiss the spot for ya, and im gonna kiss it till you scream, wait a minute mothafucka. ha, ya i turn you on like a handle like a television on the weather channel, cuz i make it rain girl, now call me wayne girl, you just an earthling you aint never been to waynes world world, i play to win, i bait em in, i do my thing now your in love with an alien, polo wanna beat in weezy f im at the plate again, keri if you pitch it at me imma swing away at it, someone better play the fence, someone better tell em bout me, baby im the shit and thats the only thing you smell around me, weezy f baby dont forget the f around me and if you do than get the f around me, you turn me out (ahhh) you ever try to get that close to me you better come correct how you 'proachin me dime divas give it to me (ahhh) I gotta be feelin your energy i gotta be for sure that you're into me recogize a real woman

Author: mztastee
Keywords: keri hilson lil wayne polow the don mztastee
Added: January 6, 2009

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Make Money Online Free using the Spider Web Marketing System

http://thespiderwebsystem.com/tslaick Make Money On The Internet NOW!!! Work From Home FREE SpiderWeb System How To Make Money OnlineCan your website make more money? Try Google AdSense - Learn more. $500 in 15 Minutes?Terell Yes, it is possible and real. We make it possible. Try it now. Make Money Online Work At Home Internet Marketing Make Money Online - How to Make Money Online and Work at Home by Internet Marketing, Search Engine Optimization, Affiliate Programs, Pay Per Click, ... [Make Money Online] Resources of how to (make money online). Find money making Terell Kissendal opportunities. Update of latest free InternetTerell marketing e-books, reports and tools released by ... (Make Money Terell Online) (Without Spending a Dime) "Making money online"- used to pretty much require you to have your own Web site, products to sell, and some marketing savvy. But a whole new generation of ... how to how to how to how to how to how to make money online business online internet opportunity job job job jobs How to Make Money Online for Beginners Bloggers don't make money online - Internet Marketers do. It has taken me a while to understand why so many of my readers just don't get it. ...Make Money Online - Top 100 Blogs 5n5 rank tells you how you rank in your niche, the make money online blogging niche. Not only will you learn how you are doing compared to your friends and ...Bloggers Make Money from BlogsOn Darren Rowse's "How Bloggers Make Money Online" post, he explains on make .... How Blogs Make Money Online Blogging for Beginners Blogging for Dollars ...YouTube - How to Make Money Online Make Money Online | Agloco Ive just setup this page - Make Money Online Link Exchange as my Links page for all those who've been wanting to link exchange with my blog. ...Book Review: How to Make Money Online with eBay, Yahoo!, Terell Kissendal & Google My first reaction when I picked up this book was 'oh no, not another book full of computer screenshots and links that will probably be broken a year from ...How To Make Money Online - Forbes.com Want to join the Internet millionaire's club? Here are some options.Make Money Online with an Internet Business Make money online with an Internet business. CyberCashology: the art & science of converting your personal computer into your personal cash register. Make Money Online Sign up for my FREE Website Marketing newsletter to learn how to make money online. You will also get monthly news updates, Internet marketing tips, ...Make easy money online Making easy money online is possible, it's not rocket science. I've put this page up to show you the best ways to make easy money online. ...Make money online, Making money ideas, news and reviews A review of sites that will help you earn money online with some topics in internet business marketing and search engine optimization techniques when ...Make Money Online: 100+ Tools and Resources Making money online is a dream for many, but the simple fact is that it's often just as tough as ...Internet Business Make Money Online internet business opportunity make money online business internet make money online opportunity system business internet (make money) online opportunity (Make Money Online) Blogging About Your Hobby in internet marketing Make money online free- NO Buying Make money online free- No Selling Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make Money Online Literally Make money online free- NO Buying Make money online free- No Selling Make Money Online WITHOUT SCAMMING Make money Online Fast and FREE!

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Added: January 6, 2009

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Making your own cans for a Scientology e-meter

A how-to make cans for a Scientology e-meter on the cheap - less than $3 per can. Rid yourself of pesky body thetans and annoying engrams without giving all your money to Scientology!

Author: TomofHelatrobus
Keywords: scientology e-meter cans
Added: January 6, 2009

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access as simplified and interactive as possible. One way to do this is by creating articles, posting them on your site, and creating a section for comments whereby visitors can interact with you, ask questions, and get more information if they want it. You can provide online assistance, a forum, update your blog at least weekly, and make your site easy to navigate between pages so visitors can quickly get from one point to another and back again. Search Engine Optimization (SEO) is important in creating an authority site, but ease-of-use and interaction for visitors, and creating something that is pleasing for them that will make them return to your site should be of greater importance.

Last but not least, advertisements should not be the main focus of your website – your content should be. Of course we want some advertising on our sites, and many people use Adsense and make decent money from it. But the placement and even the design of your ads can make a huge difference in how many clicks those ads get. If your ads blend in with your site, in both color of text, and placement within the content, you can expect more clicks than if the ads stand out on their own, are in a different color then the rest of the text, and are placed off to the side where no one is interested in clicking because they know it's just an ad.

If you remember that an authority site is mainly about creating a positive user experience and good content within a specific niche by having sub-domains, writing good articles, blogs, making the site easy to navigate, and blending the ads in with the content, then you are on your way to owning an authority site that other authority sites will want to link to.

Liane Bate owns a Plugin Profit Site web business, is a member of Success University, and the IAHBE.

 

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House prices fall by 16% year-on-year
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/95798?ns=guardian&pageName=Money%3A+House+prices+fall+by+16%25+in+2008&ch=Money&c3=guardian.co.uk&c4=House+prices+%28Money%29%2CProperty%2CMoney%2CHousing+market+%28Business%29%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Hilary+Osborne&c7=2009_01_06&c8=1142568&c9=article&c10=GU&c11=Money&c12=House+prices&c13=&c14=&h2=GU%2FMoney%2FHouse+prices" width="1" height="1" /></div><p>House prices fell by 15.9% in 2008, Nationwide said today - the biggest annual drop since the society began publishing its index in 1991.</p><p>December saw a 2.5% fall in prices - the second biggest monthly fall of the year after May, when prices were down 2.6%. The drop follows a 0.4% fall in November, which seemed to suggest the rate of decline was easing.</p><p>The snapshot of house prices from the UK's biggest building society showed that by the end of last year the average price of a UK home had fallen by £29,000 to £153,048.</p><p>Nationwide's figures are broadly in line with those <a href="http://www.guardian.co.uk/business/2009/jan/02/halifax-house-prices">published last week by the UK's largest lender, Halifax</a>.</p><p>It reported that prices had dropped by 16.2% over the course of last year, with a 2.2% fall in December alone. Its index put the average price of a home at the close of last year at £159,900 - 20% below its peak in the summer of 2007.</p><p>Nationwide's chief economist, Fionnuala Earley, said 2008 had been a "year of turmoil" in the UK housing market. </p><p>"The disruption in the financial markets worsened throughout 2008 and had larger implications for the real economy than we anticipated a year ago. </p><p>"This time last year we expected the housing market to cool quickly as affordability was poor and economic conditions looked set to weaken, but we did not anticipate the speed of house price falls or the extent of the global and domestic economic slowdown."</p><p>Last month, the society said it would be <a href="http://www.guardian.co.uk/money/2008/dec/19/nationwide-halifax-house-price-predictions">ditching its annual forecast for house prices</a> as a result of the uncertain economic outlook.</p><p>Earley today reiterated that position, saying volatile conditions made it more difficult than usual to estimate what would happen to the market over the coming year.</p><p>"In these unsettled times a forecast subject to frequent change could itself add to greater uncertainty," she said.</p><p>However, she said that tighter lending conditions and the fact that homes remained unaffordable for some people suggested prices would have to fall further before significant numbers of buyers returned to the market. </p><p>"In terms of house price expectations, current sentiment of borrowers and lenders is still fairly low," she said.</p><p>"Until the economy and the labour market stabilise, it is hard to imagine households becoming upbeat about the immediate future for house prices and this will hinder the pace of recovery."</p><h2>Looking ahead</h2><p>Nationwide said prices had fallen in all regions of the UK during 2008, although the rate of decline varied hugely. While Northern Ireland recorded a 34% drop in prices, the Scottish market dropped by just 8%.</p><p>In England the largest fall was in East Anglia, where prices were down by 16.6%, followed by London and the south-east where prices dropped by more than 15%. The smallest drop was in the north of the country, where prices were down 11% year-on-year.</p><p>Howard Archer, chief UK economist at IHS Global Insight, said the figures completed "a dismal year" for the housing market. </p><p>He predicts that prices will fall by a further 15% this year, taking the average to £130,091 on Nationwide's measure, and said the data increased the likelihood of further large interest rate cuts. </p><p>"The ongoing deep problems of the housing market maintains pressure on the Bank of England to deliver another deep interest rate cut on Thursday, although mortgage lenders are likely to be increasingly unwilling to pass on much of any further interest rate cuts," he said.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/money/property">Property</a></li><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231236392333010610202225980"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231236392333010610202225980" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Polly Toynbee: It might sound appealing, but this is populist poison
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/72289?ns=guardian&pageName=Comment+is+free%3A+It+might+sound+appealing%2C+but+this+is+populist+poison&ch=Comment+is+free&c3=The+Guardian&c4=David+Cameron%2CConservatives%2CEconomic+policy%2CPolitics%2CEconomics+%28Business%29%2CRecession+%28UK%29%2CCredit+crunch+%28Business%29%2CSaving+money+%28Money%29%2CTax+%28Money%29%2CTax+and+spending%2CMoney%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CBusiness+Markets%2CNot+commercially+useful&c6=Polly+Toynbee&c7=2009_01_06&c8=1142531&c9=article&c10=GU&c11=Comment+is+free&c12=blog&c13=&c14=Comment+is+free&h2=GU%2FComment+is+free%2Fblog%2FComment+is+free" width="1" height="1" /></div><p>The ideological gap just yawned yet wider as David Cameron sprang into the New Year with tigerish ferocity. The longer Labour is in power, he said, the worse it gets - for the economy, national debt, crime, education, welfare dependency, the health service and family breakdown; all worse, worse, worse. Broken Britain needs an election now when "change is going to come". But president-elect Barack Obama, Cameron is certainly not. As the new president plans a trillion-dollar Keynesian stimulus in the United States economy, Cameron retreats into Thatcher's 1980s. Every time he speaks, he climbs deeper into the recesses of her handbag economics, preaching thrift and a bonfire of public spending.</p><p>He is right that this year things can only get much worse: every economic commentator says so. Any government seeking re-election after a year like 2009 with three million unemployed and gaping black holes in high street shopfronts can expect an uphill struggle. On the face of it, Cameron should walk it with constant finger-pointing - who was at the wheel when the economy crashed? Revenge is a strong voting motive. Superficially, he has all the best lines. The question is whether his phoney economics fool enough of the people enough of the time. </p><p>Yesterday's speech extolled the moral case for saving and thrift, "where government and citizens live within their means, save for a rainy day, waste not, want not". How well that chimes with the current mood, in which the worried rein in spending and even the comfortable indulge in frugality chic. It chimes with the bishops' call for less shopping and more praying. It chimes with commonsense instinct: in hard times pull in your horns, don't borrow, don't spend; hide under the duvet until it's all over. So when Cameron ratchets up the rhetoric by calling the VAT cut "an absolutely criminal waste of public money", plenty of voters will nod in agreement. Labour's &pound;12.5bn cash splurge did feel odd. When Cameron claims: "We are in this mess because of too much government debt", it sounds plausible. When he offers &pound;5bn in tax cuts for penny-wise savers by taking money out of current spending to salt away in savings accounts, that too may seem like prudent policy. All this goes with the grain of human instinct - and Labour has yet to find resonant language to challenge it.</p><p>Cameron's plan for retrenchment is economically illiterate, and would be frighteningly dangerous if he were in power. But it's hard to explain why thrift is not the answer in a punchy political message. Keynesianism is counter-intuitive: he wrote himself about the problem of the "thrift paradox" - persuading people and governments to spend, lend and invest at a time when every fibre of their being urges slamming on the brakes. But let's examine why the Cameron prescription is part populism, part poison and part snake-oil: since he's not stupid, presumably he knows it. </p><p>Take his plan for a loan guarantee to let banks lend again with the state as guarantor. It sounds good - indeed, the government has already said it will do the same, responding to the Crosby report. Cameron's deceit, in his eagerness to cut borrowing, is to pretend he can do it cost-free by raising interest rates enough to cover any losses from failed loans. Nonsense, say those working on the scheme. To make it self-financing, he would have to raise the loan interest rates to many times their present rate, and no one would want them. Guaranteeing loans, some of which would fail, costs some &pound;2bn - but in Cameron's fantasy economics he pretends he can both fix this crisis and cut spending.</p><p>Take his key claim that Britain's debt "puts us in a much weaker position than other countries". Is that true? Ask the independent Institute for Fiscal Studies - by no means always a friend of Gordon Brown's previous economic policies - and here's their verdict: of the G7 richest nations, only Canada has a lower stock of debt than the UK. The US, France, Germany, Japan and Italy have even higher debts than the sizeable 57% of gross domestic product Labour now plans. Compared with all the leading economies, the UK is still only in the middle of the debt table. So yes, we can well afford to borrow more to avoid the worst of this year's cataclysm - and that is the right thing to do. What of Cameron's plan? To make a sudden &pound;5bn cut in spending this April is an anti-stimulus at a time when money needs to be spent. The Institute for Fiscal Studies warns that the only way to cut quickly is to axe whatever is easiest with random destruction, without rational planning. </p><p>Was the VAT cut "a criminal waste"? The IFS says it was the best way to get money out there fast. What of Cameron's plan to encourage saving with tax cuts? Not a bad idea, but absolutely not in the depth of recession. For years the IFS has criticised Brown for adding to national debt by failing to raise enough tax to cover his higher spending in the good years. Now, the IFS's Carl Emmerson says: "But even if he had, that slight cushion would no way have insulated us from this crisis." </p><p>Cameron's proposed cuts in public services would be disastrous in a year like this. He would ring-fence only NHS, schools and defence spending, while from April he would cut planned spending on everything else. But how could he cut Department for Work and Pensions funds as unemployment claimants soar? Why cut the big rise in apprenticeships, just as the young are leaving school to sign on? How do you create jobs if all infrastructure is cut back? (His high-speed rail would take years to set up - and it needs state funds.) During the last Tory government, average capital spending was just 0.6% - while Labour has spent more than 2%, the price of repairing 20 years of public squalor. Labour's plan to bring forward &pound;10bn of capital spending to create 100,000 jobs is a vital necessity.</p><p>Labour relies on real economics winning over the plausible lie in the long run. After all, the Confederation of British Industry, the International Monetary Fund and Organisation for Economic Co-operation and Development all urge Keynesian policies, with Barack Obama leading the way. Labour's serious problem is that no one will ever be able to prove whether what they did worked: if the recession is less deep, were these debts really necessary? Economists will argue for years, but nobody will ever know how much worse things might have been, had Cameron been in power.</p><p><a href="mailto:polly.toynbee@guardian.co.uk">polly.toynbee@guardian.co.uk</a></p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/davidcameron">David Cameron</a></li><li><a href="http://www.guardian.co.uk/politics/conservatives">Conservatives</a></li><li><a href="http://www.guardian.co.uk/politics/economy">Economic policy</a></li><li><a href="http://www.guardian.co.uk/business/economics">Economics</a></li><li><a href="http://www.guardian.co.uk/business/recession">Recession</a></li><li><a href="http://www.guardian.co.uk/business/creditcrunch">Credit crunch</a></li><li><a href="http://www.guardian.co.uk/money/saving-money">Saving money</a></li><li><a href="http://www.guardian.co.uk/money/tax">Tax</a></li><li><a href="http://www.guardian.co.uk/politics/taxandspending">Tax and spending</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Commentisfree&country=usa&spacedesc=rss&system=rss&transactionID=1231236392406010610202225980"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Commentisfree&country=usa&spacedesc=rss&system=rss&transactionID=1231236392406010610202225980" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Cameron offers savings tax cut plus clamp on public spending
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/90209?ns=guardian&pageName=Politics%3A+Cameron+offers+savings+tax+cut+plus+clamp+on+public+spending&ch=Politics&c3=The+Guardian&c4=David+Cameron%2CConservatives%2CEconomic+policy%2CGordon+Brown%2CTax+and+spending%2CPolitics%2CCredit+crunch+%28Business%29%2CSmall+business+%28Business%29%2CBanking+%28Business%29%2CRecession+%28UK%29%2CBusiness%2CBanks+and+building+societies%2CSavings+%28Money%29%2CIncome+tax%2CTax+%28Money%29%2CMoney%2CUK+news%2CPublic+services+policy+%28Society%29%2CPublic+finance+%28Society%29%2CSociety&c5=Society+Weekly%2CUnclassified%2CPersonal+Finance%2CInvestments%2CCredit+Crunch%2CPolicy+Society%2CBusiness+Markets%2CNot+commercially+useful&c6=Patrick+Wintour&c7=2009_01_06&c8=1142525&c9=article&c10=GU&c11=Politics&c12=David+Cameron&c13=&c14=&h2=GU%2FPolitics%2FDavid+Cameron" width="1" height="1" /></div><p> David Cameron took the side of savers hit by tumbling interest rates yesterday and promised to abolish tax on the savings income of all basic-rate taxpayers. He also promised to lift personal allowances for pensioners by &pound;2,000 a year. </p><p>Pounded by Labour charges of offering a do-nothing approach to the crisis, the Tory leader said that he wanted to help the "innocent victims" of the recession.</p><p>Cameron also toughened his approach to public spending, by proposing for the first time that its growth in the financial year 2009-10 be cut from 3.4% to 2.6%, saving &pound;5bn. Setting out a plan for Conservative government, he said spending on schools, health, defence and international development would be maintained at Labour's planned levels, meaning projected spending in other departments could grow only 1% in real terms, instead of the 4.1% planned by Labour. Cameron said he did not think 1% unreasonable. </p><p>But his move imposes tight constraints on departments such as the Home Office, Ministry of Justice, business department, and communities department. George Osborne, the shadow chancellor, pointed out that public spending would still be rising by &pound;25bn under the Tory regime, as opposed to &pound;30bn, leading Tory rightwingers to claim that Cameron was not doing enough to break with Labour spending or borrowing. </p><p>The chief secretary to the Treasury, Yvette Cooper, said it was "economic madness" to slow public spending - the Conservatives were isolated internationally, she claimed. Downing Street was last night pointing to reports that Germany is planning a &pound;50bn fiscal stimulus.</p><p>But Cameron is increasingly bold in advocating tighter spending, and has already proposed a lower level than the government plan for 2010-11. The country, he said, was facing a "catastrophic legacy of debt and disrepair"; he sometimes wanted to shake Gordon Brown, he said, to get him to understand his errors.</p><p>Cameron put his proposals in the context of a wider claim about the need for an economy that is more balanced, and not so tilted towards housing, the public sector and financial services. </p><p>He published reports on creating green technology incubators, and buidling the world's first trading market for environmental companies. He also revealed a review into how to give every home ultra-fast broadband within a decade. Brown is proposing a green and digital infrastructure renewal programme this spring.</p><p>The Tory leader's move came ahead of Thursday's meeting of the Bank of England monetary policy committee, expected to cut interest rates to possibly 1%, the lowest since the Bank's formation in 1694. A cut from the current 2% would further damage the interests of savers when savings are at their lowest for 50 years. </p><p>Cameron said: "We need to make a really big change in Britain from an economy built on debt to an economy built on savings. A culture of thrift at the heart of government and a culture of saving at the heart of our economy - these changes will provide strong foundations for the new economy we plan to build."</p><p>Privately, the Tories accept that the cost, and therefore the impact, of abolishing tax on savings for basic-rate taxpayers - &pound;2.6bn - may be too high, since it is based on estimates made at a time when interest rates were much higher.</p><p>The proposal to lift tax on savings income would, the Conservatives say, simplify the tax system, since banks would no longer have to withhold 20% of interest income at source, and people on low incomes who currently do not pay tax at 20% would no longer be forced to apply for their money back.</p><p>In practice, a third of savers already have their savings in tax-free Isas, and yesterday's initiative by the Tories may prompt Brown (planning a tour of English regions starting tomorrow) to raise the maximum amount of income that can be invested in an Isa tax-free, currently &pound;7,200. </p><p>The Tories denied that helping savers would take money out of the economy. They argued that advisers to the Obama administration are suggesting that tax cuts are three times as effective at raising growth as spending increases.</p><p>More broadly, Cameron insisted he was optimistic that his policy package was winning converts: the government's 2.5% VAT cut in December had been "a criminal waste" of &pound;12.5bn of taxpayers' money, saying the government might as well have burnt the cash.</p><p>Cameron also repeated his call for a government insurance scheme to back banks lending to customers and businesses. The Treasury is looking at a similar scheme, but the government will be determined to present any proposal as sharply different to the Conservatives' socialisation of credit.</p><h2>Parties' policies</h2><p><strong>Labour plans</strong></p><p>? Cut VAT by 2.5%at cost of &pound;11bn to stimulate demand.</p><p>? Consider second round of help for banks following &pound;50bn recapitalisation, but put the idea of more government cash for banks on the back burner.</p><p>? Create 100,000 jobs by advancing extra capital investment directed at green jobs and school building.</p><p>? Publish interim report on digital Britain.</p><p>? Encourage ailing firms to switch staff to part-time work and allow staff to train for remainder of time.</p><p>? Consider bringing forward extension of school leaving age. </p><p>? Allow mortgage holders in difficulty to have a two-year interest rate holiday.</p><p>? Consider help for savers in March budget.</p><p><strong>Tory plans </strong></p><p>? &pound;50bn national loan guarantee scheme to help free up credit for business. Focused on short-term credit lines, overdrafts and trade credit - the lifelines all businesses need to keep afloat. </p><p>? &pound;3bn tax breaks to reward companies who take on new staff. </p><p>? Small businesses to enjoy six-month VAT holiday. </p><p>? An environmental stockmarket, where green companies are listed and traded.</p><p>? No tax to be paid on savers' incomes for basic rate taxpayers. Help 5 million taxpaying pensioners by increasing personal allowances. </p><p>? Commission report on how UK households will have access to high-speed broadband internet within next 10 years.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/davidcameron">David Cameron</a></li><li><a href="http://www.guardian.co.uk/politics/conservatives">Conservatives</a></li><li><a href="http://www.guardian.co.uk/politics/economy">Economic policy</a></li><li><a href="http://www.guardian.co.uk/politics/gordon-brown">Gordon Brown</a></li><li><a href="http://www.guardian.co.uk/politics/taxandspending">Tax and spending</a></li><li><a href="http://www.guardian.co.uk/business/creditcrunch">Credit crunch</a></li><li><a href="http://www.guardian.co.uk/business/small-business">Small business</a></li><li><a href="http://www.guardian.co.uk/business/banking">Banking</a></li><li><a href="http://www.guardian.co.uk/business/recession">Recession</a></li><li><a href="http://www.guardian.co.uk/money/banks">Banks and building societies</a></li><li><a href="http://www.guardian.co.uk/money/savings">Savings</a></li><li><a href="http://www.guardian.co.uk/money/incometax">Income tax</a></li><li><a href="http://www.guardian.co.uk/money/tax">Tax</a></li><li><a href="http://www.guardian.co.uk/society/policy">Public services policy</a></li><li><a href="http://www.guardian.co.uk/society/public-finance">Public finance</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1231236392523010610202225980"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1231236392523010610202225980" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Company league tables to reveal male-female pay gap
Government draws up amendment to equality bill which will require firms to publish pay band statistics
Editorial: Give and take
Editorial: Community schemes bankrolled by big City firms are already facing the axe
Report reveals grimy reality of British hotels
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/40677?ns=guardian&pageName=Travel%3A+Mould+on+the+mattress%2C+soiled+toilet+seat+-+welcome+to+tourism%27s+new+boom+sector&ch=Travel&c3=The+Guardian&c4=Hotels%2CUnited+Kingdom+%28Travel%29%2CBudget+travel%2CTravel%2CTravel+and+leisure+industry+%28Business%29%2CBusiness%2CConsumer+affairs+%28Money%29%2CMoney%2CUK+news&c5=Personal+Finance%2CBusiness+Markets%2CBusiness+Travel%2CNot+commercially+useful%2CHotels%2CUK+Travel&c6=Rachel+Williams&c7=2009_01_06&c8=1142451&c9=article&c10=GU&c11=Travel&c12=Hotels&c13=&c14=&h2=GU%2FTravel%2FHotels" width="1" height="1" /></div><p>Now that the boutique hotel trappings of Egyptian cotton sheets, walk-in slate showers and elegant dark wood have been adopted by even the most modest places to stay, tourists might think we live in an era of luxury for all. </p><p>But a report from undercover hotel inspectors published today reveals a grimier reality beneath the surface of the British hospitality industry.</p><p>Researchers for Which? Holiday magazine who checked into 16 budget hotels in London and Manchester pretending to be ordinary guests found mouldy mattresses, stained duvets and dirty toilets at some leading chains. Ibis performed "particularly badly", the team said, and Travelodge was also criticised in their report.</p><p>The results of the investigation come as domestic tourism is preparing for a boom, with credit-squeezed holidaymakers tightening their belts, and cost-conscious business travellers trading down.</p><p>Despite these favourable conditions, Which? said it was concerned by the standards of cleanliness it found.</p><p>The team, consisting of a researcher and a microbiologist, said their "most disturbing" discovery was a mattress in the Ibis on Charles Street, Manchester, which was so badly soiled that the cover had started to fray and mould had begun to grow. A duvet at the Ibis on Portland Street in the same city was stained, with the microbiologist suggesting one of the marks was blood. There was "something sticky on the bedside table surface", the report added.</p><p>The Ibis Euston in London was home to the dirtiest toilet the researchers found, with urine and faeces around the edge of the seat and urine streaked down the pedestal, according to the report. On the bedroom floor they observed a stray fingernail and food debris.</p><p>Which? said bathrooms at the five Travelodges it visited were unclean and it was concerned that bacteria found in four of the rooms could indicate poor cleaning.</p><p>At the chain's Gray's Inn Road hotel in London, inspectors found "appalling" levels of dust under the bed. "It was so bad that when we kicked the carpet, dust rose before our eyes and our consultant's footprint was left outlined on the floor. The wall behind the curtains was also thick with ground-in dirt, which contained a handprint streaked down the wall."</p><p>At Blackfriars Street in Manchester, a Travelodge room had mould around the bath, and in Ancoats Street the inspectors found a stained duvet and mattress.</p><p>Which? Holiday's researcher, Amanda Diamond, said the results were a surprise. "When we set out to do the report we really thought we would find nothing; we thought it would be more to do with comparing budget hotel chains, given that the market is growing and more people are looking for cheaper rooms in the current economic climate. We took a microbiologist as a precaution. We certainly didn't expect to find rooms in such poor condition."</p><p>Research published by Travelodge this week suggested that more than half of Britons plan to stay in the UK for their summer break this year. Overseas travel declined by 10.5% in October, according to the Office for National Statistics, and trips to Spain - British tourists' favourite destination by far - fell 15% last year, the Spanish tourism ministry said.</p><p>Whitbread, which owns Premier Inn, plans to double its rooms in the UK to 55,000 within five years while Travelodge hopes to have 55 new properties by 2015 and raise capacity from 24,600 rooms to 70,000 by 2020.</p><p>Lorna Cowan, editor of Which? Holiday, said: "Although this investigation was just a snapshot, it does raise concerns about the cleanliness of some budget hotel chains. It's clear from our research that some of the hotels are getting it right when appropriate cleaning methods are being used. Paying guests should be guaranteed, at the very least, a clean room. </p><p>"There doesn't seem to be one single accepted standard for hygiene in hotels across the UK, and we would like to see this change." </p><p>An Ibis spokesman said: "Ibis treats matters of cleanliness and hygiene as critically important. We were, therefore, very disappointed to see the results of the investigation which showed standards that are totally unacceptable to us. </p><p>"We have clear procedures in place to ensure that housekeeping standards are to the highest levels. Clearly the Which? investigation indicates that those procedures are not being implemented in some cases and we have taken immediate remedial actions to ensure we deliver the standards of cleanliness that all our guests have the right to expect.</p><p>"We have submitted the results Which? obtained to an established independent health and safety consultant, who has confirmed that nothing in those results constitutes a danger to public health."</p><p>A Travelodge spokesman said the chain rejected any suggestion that Which? or its customers should be concerned at the level of bacteria found. "According to a leading independent microbiologist that reviewed Which's findings, the levels of bacteria found were so low that they could not cause any health risk whatsoever.</p><p>"With regard to the isolated incidents of dust, we would like to reassure customers that we immediately remedied these cases through strengthening of cleaning procedures and superior cleaning materials.</p><p>"Our six million customers should always enjoy a good quality stay, so this report has helped us by highlighting a handful of cases where we needed to improve."</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/travel/hotels">Hotels</a></li><li><a href="http://www.guardian.co.uk/travel/uk">United Kingdom</a></li><li><a href="http://www.guardian.co.uk/travel/budget">Budget travel</a></li><li><a href="http://www.guardian.co.uk/business/travelleisure">Travel & leisure</a></li><li><a href="http://www.guardian.co.uk/money/consumeraffairs">Consumer affairs</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Travel&country=usa&spacedesc=rss&system=rss&transactionID=1231236392687010610202225980"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Travel&country=usa&spacedesc=rss&system=rss&transactionID=1231236392687010610202225980" border="0" /></a></div><a href="http://www.guardian.co.uk">guardian.co.uk</a> &copy; Guardian News & Media Limited 2009 | Use of this content is subject to our <a href="http://users.guardian.co.uk/help/article/0,,933909,00.html">Terms & Conditions</a> | <a href="http://www.guardian.co.uk/webfeeds/1,,1309488,00.html">More Feeds</a>
Jill Kirby: David Cameron's proposed tax cuts are sensible, but don't go far enough
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/12648?ns=guardian&pageName=Comment+is+free%3A+Cameron%27s+economic+plan+lacks+vision&ch=Comment+is+free&c3=guardian.co.uk&c4=David+Cameron%2CPolitics%2CEconomic+policy%2CConservatives%2CGordon+Brown%2CMoney%2CTax+%28Money%29%2CSavings+%28Money%29%2CBusiness%2CRecession+%28UK%29&c5=Personal+Finance%2CCredit+Crunch%2CBusiness+Markets%2CNot+commercially+useful&c6=Jill+Kirby&c7=2009_01_05&c8=1142408&c9=article&c10=GU&c11=Comment+is+free&c12=blog&c13=&c14=Comment+is+free&h2=GU%2FComment+is+free%2Fblog%2FComment+is+free" width="1" height="1" /></div><p>To make an upbeat speech about the British economy on a bleak January morning in the midst of a painful and deepening financial crisis might seem a task reserved to the recklessly optimistic. Today, <a href="http://www.guardian.co.uk/politics/2009/jan/05/davidcameron-conservatives">David Cameron attempted</a> such a <a href="http://www.conservatives.com/News/Speeches/2008/12/David_Cameron_Britains_Economic_Future.aspx">speech</a>, determined to leaven his stern critique of Gordon Brown's economic policies with "the vision thing".</p><p>As Cameron's Conservatives become more trenchant in their criticism of what <a href="http://politics.guardian.co.uk/Columnists/Archive/0,,649666,00.html">Cameron</a> termed "Labour's debt crisis", the edict has gone out that Tories must not appear to revel in the political opportunities provided by the downturn. And the media-savvy Conservative leader knows that audiences will turn away from a negative message. They want to hear some good news.</p><p>Justifiably, they also want to know if ? and how ? a Conservative government would handle things differently. So what is the vision for Britain that Cameron is sketching out? Not exactly utopian, he describes it as "an economy where government and its citizens live within their means, save for a rainy day, waste not and want not". It's also "a better balanced economy where we spread ownership and opportunity" and where we "work to live, not live to work". In other words, there's more to life than money, cherish what you have and don't expect a return to the days of high living and high spending.</p><p>To set us on the path to this new Britain, Cameron ? sensibly enough ? proposes some tax incentives for savers (abolishing basic rate tax for savings) and relief for pensioners (a £2,000 increase in their tax allowance). These are the two large groups whose financial security is damaged by the savage cuts in interest rates that the government and the monetary policy committee seem to consider the tool to get lending moving again (though with little evidence of success so far). The Tory proposals will win plaudits from "justice for savers" campaigners, not least in the right-leaning press.</p><p>Importantly, they provide specific examples of Tory tax cuts aimed at restoring a savings culture, in sharp contrast to the government's spend now, pay later approach.</p><p>The modest nature of the tax cuts makes it relatively easy for the Tories to claim that they will be paid for by restraining spending growth to 1% in all departments except NHS, education, defence and international development.</p><p>Cameron's reference to "2009 spending", however, makes it unclear whether he is promising future Tory restraint or simply recommending government action for the year in hand, and this needs to be spelt out. So, a little cheer for most of us and a few signposts to the spending restraint, tax cuts and good housekeeping that Cameron believes would characterise a future Conservative government. </p><p>Good as far as it goes, but it seems all too likely that the package will be overtaken by events. I suspect it will not be long before Brown is compelled to announce his own real-time spending cuts, as it will become impossible for him to sustain the illusion that public sector Britain can grow while commercial Britain implodes. As Cameron rightly pointed out yesterday, it's "back to the 70s" (or worse) for the government. The Conservatives are whistling the first few bars of the tune to help us out of this mess but their vision needs to spell out much more clearly the shape of a Britain where the public sector is small enough to live within the means of its revenue-producing citizens.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/politics/davidcameron">David Cameron</a></li><li><a href="http://www.guardian.co.uk/politics/economy">Economic policy</a></li><li><a href="http://www.guardian.co.uk/politics/conservatives">Conservatives</a></li><li><a href="http://www.guardian.co.uk/politics/gordon-brown">Gordon Brown</a></li><li><a href="http://www.guardian.co.uk/money/tax">Tax</a></li><li><a href="http://www.guardian.co.uk/money/savings">Savings</a></li><li><a href="http://www.guardian.co.uk/business/recession">Recession</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&am