How To Make Money With Adobe Photoshop
You probably already know that Adobe Photoshop is great for making your digital and online pictures look more professional. But do you know how to with photoshop? Learn how to use photoshop to make a profit.

Any photoshop tutorial will tell you how to edit your images, how to add attractive framing and borders, and how

to work with layers and masks to give your images that perfect professional look. What standard tutorials don’t tell you is that you can actually use photoshop to generate some personal income. How to with photoshop is one of the best-kept secrets that adobe photoshop tutorials won’t teach you.

Have you ever heard of a photoshop freelancer? Once you hear about freelancing with photoshop once, you’ll start to notice references and resources for photoshop freelancers all over the web. Not mentioned in photoshop tips and tutorials, many photoshop freelancers have learned how to with photoshop – and now you can, too.

Graphic design is one of the hottest new trends in the online market. As web site competition heats up, everyone is looking for their own personalized graphics and logos for web pages, and this is how photoshop freelancers make their money. Because there is a huge demand for unique, stylized graphics and logos, adobe photoshop has suddenly become a viable money-making tool for those interested in doing a little freelancing. Logo design is very much in need by corporations and companies looking to personalize their web pages and set themselves apart from other businesses and web sites. Graphics that look great online are very much in need, and photoshop is the perfect tool for create logos that businesses will love.

A photoshop freelancer can find plenty of work on the web, where very few people know the ins and outs of graphic design. Even those who know how to use photoshop often don’t know how to use photoshop to its full potential despite the amount of tutorials they may take. Someone who can create unique logos and images using photoshop can find a new career path open to them by using their skills to become a photoshop freelancer. This can be a highly lucrative choice in today’s highly modernized world, where so much is happening in the

Surviving Bear Markets
<p><a href="http://feedads.googleadservices.com/~a/LaiHGrEgFLobBHRj4d6IQ8vcAsI/a"><img src="http://feedads.googleadservices.com/~a/LaiHGrEgFLobBHRj4d6IQ8vcAsI/i" border="0" ismap="true"></img></a></p>Future bear markets usually arrive every three to five years (four years on average), and they can demolish your capital. Avoiding these slumps is the key to protecting your hard-earned capital. Unfortunately, most investors have no clue as to the market&#039;s future direction, how the stock market works, or how to minimize their losses. Therefore, it is not surprising that investors suffer the consequences when a bear market sneaks up and...<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=KIE48ZHh"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=9lI3Ru2Z"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/Zhogd8drj-Y" height="1" width="1"/>
The Ponzi Scheme
<p><a href="http://feedads.googleadservices.com/~a/1LPedlZ-hCHAz2z814kq3_ZN2UY/a"><img src="http://feedads.googleadservices.com/~a/1LPedlZ-hCHAz2z814kq3_ZN2UY/i" border="0" ismap="true"></img></a></p>What if you were told that you could get a 40% return on your investment in just 90 days compared with 5% for bank savings accounts? Would you join in? Well one man was able to scam investors out of $1 million (in 1921!) using what is now dubbed &#039;The Ponzi Scheme&#039;.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=KfEaAsBr"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=FkiCroi2"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/euQt1DHi5tw" height="1" width="1"/>
Costs of Going Public
<p><a href="http://feedads.googleadservices.com/~a/jEL-OLMT4ux_4Gg7DWcWW8pvo38/a"><img src="http://feedads.googleadservices.com/~a/jEL-OLMT4ux_4Gg7DWcWW8pvo38/i" border="0" ismap="true"></img></a></p>So you have already decided why to go public and are yearning to take the next step. Wait! Before you take the plunge, make sure you are aware of the costs of going public. The costs associated with taking a company public are significant.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=pA0vWO2S"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=OIkWQq6F"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/Zy8N_kxxXiM" height="1" width="1"/>
Offshore Investment Advice
<p><a href="http://feedads.googleadservices.com/~a/TaozpzoAJC3AJJLSVbehKJcRBQI/a"><img src="http://feedads.googleadservices.com/~a/TaozpzoAJC3AJJLSVbehKJcRBQI/i" border="0" ismap="true"></img></a></p>&quot;Offshore investing&quot; is often so shrouded by secrecy to many investors that it makes it seem very mysterious. Many investors become weary of offshore investment advice and immediately become suspicious. Once you conduct the offshore investment advice for yourself, you will discover that investing offshore is nothing more than other another way of investing.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=bB2NR1w2"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=ZxLLUkF9"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/ZYhLfKoiZAY" height="1" width="1"/>
Why Go Public?
<p><a href="http://feedads.googleadservices.com/~a/FMEM2kjI9JT_dj2GVX7PU6WK3RM/a"><img src="http://feedads.googleadservices.com/~a/FMEM2kjI9JT_dj2GVX7PU6WK3RM/i" border="0" ismap="true"></img></a></p>Interested in taking your company public? Like most of your tough business decisions, taking your company public has advantages and disadvantages. There are a host of reasons for companies to consider going public.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=6rVVFgHQ"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=NVB3TcoZ"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/XjO0BYhvjWA" height="1" width="1"/>
Hot Stock Market Tips
<p><a href="http://feedads.googleadservices.com/~a/atUo5Qfyfgc_Cp4Oy0czerxyomE/a"><img src="http://feedads.googleadservices.com/~a/atUo5Qfyfgc_Cp4Oy0czerxyomE/i" border="0" ismap="true"></img></a></p>Are you looking for that next hot stock market tip that is supposed to make you rich? Well, stop looking and think again. Stock tips supposedly give you the &quot;inside scoop&quot; on the next potential hot stock play so you can buy in when the stock price is low but before the stock takes off. Then sell when it&#039;s high - making you a nice profit. In theory, it sounds like a good stock trading strategy. If it only worked that simple.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=kxW9WxfG"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=VH5DI0p2"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/2RiFNFIAUeE" height="1" width="1"/>
Top 20 Trading Rules
<p><a href="http://feedads.googleadservices.com/~a/2J3NgNfTyo-vFOrFQLczd24xNm8/a"><img src="http://feedads.googleadservices.com/~a/2J3NgNfTyo-vFOrFQLczd24xNm8/i" border="0" ismap="true"></img></a></p>Learn the Top 20 Trading Rules that the professionals use to make money by trading in the stock market and investments.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=qkyASzCU"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=xqXvn2rW"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/xoInq70xxRg" height="1" width="1"/>
6 Different Investment Philosophies
<p><a href="http://feedads.googleadservices.com/~a/2R7LOeF_78d4bwadZvhYjGEcdx8/a"><img src="http://feedads.googleadservices.com/~a/2R7LOeF_78d4bwadZvhYjGEcdx8/i" border="0" ismap="true"></img></a></p>To be successful with any investment strategy, you have to start out with an investment philosophy that is consistent in substance and one that corresponds not only to the markets you decide to invest in but your to your personal and individual characteristics as well.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=Z15liKD8"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=LLvnWWAv"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/31thsberKiw" height="1" width="1"/>
Primal vs Emotional Investing
<p><a href="http://feedads.googleadservices.com/~a/ULyfCTNMjheuFbhqtoTTOPiUjq4/a"><img src="http://feedads.googleadservices.com/~a/ULyfCTNMjheuFbhqtoTTOPiUjq4/i" border="0" ismap="true"></img></a></p>It is pretty apparent to most people who observe people act and react that they do a lot of what they do based on moderately primal and/or emotionally motivated impulses. Many experiments have been conducted to check the impact that primal instincts and emotion-based thinking has on investing and stock market psychology.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=j8OED8RE"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=wSs7JzIM"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/DIii-PKiJF8" height="1" width="1"/>
Lifestyle Investing
<p><a href="http://feedads.googleadservices.com/~a/O-B0Wm3afaQ3LjzFviS5KQl9bOc/a"><img src="http://feedads.googleadservices.com/~a/O-B0Wm3afaQ3LjzFviS5KQl9bOc/i" border="0" ismap="true"></img></a></p>It has been recognised for some time that investment strategy should take account of the flexibility provided by future earnings from employment. In effect, these future earnings can be thought of as a holding of a &quot;wage-linked bond&quot; whose risk characteristics will vary from person to person and should refl ect the riskiness of an individual?s earnings. These implicitly risky bond holdings can be taken into account in setting strategy.<br/> <br/> Read more at www.Qwoter.com/College/<div class="feedflare"> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=5lrN6JCz"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=41" border="0"></img></a> <a href="http://feeds.qwoter.com/~f/stockmarketadvice?a=T5U6TYB6"><img src="http://feedproxy.google.com/~f/stockmarketadvice?d=141" border="0"></img></a> </div><img src="http://feedproxy.google.com/~r/stockmarketadvice/~4/P8Kap6NWMsU" height="1" width="1"/>

online world. Adobe photoshop is not only great for improving your digital images, but can also open a new door in your freelancing career. Graphic designers, and those who know how to use photoshop well, are always highly in demand.

It’s an aspect of using photoshop that tutorials won’t teach you, no matter how many adobe photoshop tutorials you may take. But now that you’ve heard about freelancing with photoshop, you’ll find much more information on the Internet than you ever knew existed about this exciting career path. Photoshop, an easy software package to use, can turn anyone into a photoshop freelancer and experienced graphic designer. Though it may not be mentioned in photoshop tips, it is one aspect of adobe photoshop that some freelancers have learned to use to the fullest advantage.

It doesn’t end with logo design, either. Photoshop freelancers may be called upon to polish web site images or pictures taken by digital camera. Many businesses


like to post real pictures on their web sites, and the services of a photoshop freelancer can be used to make those pictures look great. The skills of a photoshop freelancer are needed all over the web, and you’ll find many opportunities to put your photoshop skills to good use.

Freelancing can be your key to self employment, and you’ll find that you can turn a quick profit by doing a little photoshop freelancing. When your skills can be used by many businesses and web sites on the Internet, why not share your knowledge and benefit a little from your photoshop expertise? Working for yourself can be a very enjoyable and financially beneficial experience, and all you need is a working knowledge of adobe photoshop to get your foot in the door of this career path.

You’ll find many resources for photoshop freelancers on the web. Everything from adobe photoshop tutorials and tips, to discussion pages, chat rooms, and forums are available to help you perfect your photoshop skills.

This article was written by Kevin M. Sugrue the creator of FreePhotoshopZone.com! Free Photoshop Zone offers free photoshop tutorials and free photoshop articles! To visit our site go to http://www.freephotoshopzone.com.

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Will the government legislate against gambling? Don't bet on it
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/34302?ns=guardian&pageName=Politics%3A+Will+the+government+legislate+against+gambling%3F+Don%27t+bet+on+it&ch=Politics&c3=guardian.co.uk&c4=Gambling%2CPolitics%2CUK+news%2CSociety%2CBusiness%2CMoney&c5=Society+Weekly%2CPersonal+Finance%2CBusiness+Markets%2CNot+commercially+useful&c6=Andrew+Sparrow&c7=2009_01_06&c8=1142965&c9=article&c10=GU&c11=Politics&c12=blog&c13=&c14=Politics+blog&h2=GU%2FPolitics%2Fblog%2FPolitics+blog" width="1" height="1" /></div><p>Why is the government so reluctant to legislate against the gambling industry? Gerry Sutcliffe, the sports minister, today announced <a href="http://www.guardian.co.uk/uk/2009/jan/06/gambling-sports-levy-addiction" title="">plans to impose a statutory levy</a> on the industry to raise £5m a year (not an enormous sum) to fund measures to deal with the problem of gambling addiction. But if you read the small print of the <a href="http://www.culture.gov.uk/reference_library/media_releases/5723.aspx" title="">announcement</a>, you'll see that he's not committed to using compulsion.</p><p>Gaming firms already spend some money on anti-addiction initiatives on a voluntary basis and Sutcliffe is willing to give them one last chance to make the system work. "If the industry can agree the improved voluntary arrangements in the meantime, the door is not closed," he says.</p><p>Fair enough. Except, as the Liberal Democrats' culture spokesman, Don Foster, has pointed out, the government has been issuing warnings of this kind for more than five years. In November 2003, when the Gambling Act (which gives Sutcliffe the power to impose a levy) was still a draft bill, Tessa Jowell, the then-culture secretary, said she would rather not use that power, "but I won't flinch from doing so if I must".</p><p>Foster has found 12 instances of ministers issuing such threats to the gaming industry, including one from February last year when Andy Burnham (Sutcliffe's boss) said: "Unless the industry delivers a substantial increase in contributions by the end of this year and makes contributions in a timely fashion, I will seek the approval of the house for a statutory levy."</p><p>What is it with Labour and the gambling industry? Yesterday, Sam Coates in the Times reported that <a href="http://www.timesonline.co.uk/tol/news/politics/article5447526.ece" title="">the Department for Culture is going to let gamblers bet more</a>, partly because the industry is finding "trading conditions very difficult in the present economic climate", yet today the industry has been given a final warning on addiction funding ? arguably for the 13th time. Foster brands the way ministers are dragging their feet a "disgrace". I asked him why he thought the government was so reluctant to legislate.</p><p><blockquote>There's been very extensive lobbying from the industry to prevent this happening ... You may say that £5m is peanuts. But, remember, there has only been one year, 2006-07, when the industry has coughed up the target that was set them. They are just not willing to do so.</blockquote></p><p>I've put a call in to the culture department asking them why they don't just commit themselves to legislation now, given all the warnings the gambling industry has already had. When I get a response, I'll put it up.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/uk/gambling">Gambling</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=1231267914821010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1231267914821010619015622994" 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><p style="clear:both" />
Can't pubs have a sale?
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/54635?ns=guardian&pageName=Life+and+style%3A+Can%27t+pubs+have+a+sale%3F&ch=Life+and+style&c3=guardian.co.uk&c4=Life+and+style%2CFood+and+drink+%28Life+and+style%29%2CMoney&c5=Personal+Finance%2CNot+commercially+useful%2CFood+and+Drink&c6=Will+Beckett&c7=2009_01_06&c8=1142948&c9=article&c10=GU&c11=Life+and+style&c12=blog&c13=&c14=Word+of+Mouth+blog&h2=GU%2FLife+and+style%2Fblog%2FWord+of+Mouth+blog" width="1" height="1" /></div><p>The Independent today <a href="http://www.independent.co.uk/news/uk/home-news/tesco-in-probe-over-cutprice-drink-offer-1228128.html">chose to splash</a> with what at first glance seems to be a tired old story about Tesco "facing two official investigations over claims that it deliberately advertised cut-price alcohol as 'bait' to lure bargain-hunters". Yes, and I suspect Peter Stringfellow deliberately used naked women as 'bait' to lure folk willing to spend absurd amounts of money on a glass of flat Moet. </p><p>The twist on the story, which begs the question as to why this made it to their front page, is not that this in any way promotes irresponsible drinking (selling alcohol at a loss in huge volumes for people to go and drink unsupervised), rather that they might not have had enough stock to justify the promotion. </p><p><br />This has long been held up as a huge issue for the pub community ? <a href="http://www.thedrinksbusiness.com/content/view/7061/316/">we are</a> accused of promoting irresponsible drinking all the time; supermarkets are not. Which idea seems more sensible? Encouraging people to buy a case of beer below cost to drink at home (I'm not suggesting that everyone canes a whole case of beer in one go, but, being realistic about this, often that's the aim of buying a cheap case) or buying the same product at a slight profit in a pub environment where there are trained staff who will refuse to serve you if you drink too much? There's no doubt in my mind that the latter is a far more responsible pattern of drinking, yet pubs, rather than supermarkets, bear the brunt of the media's anger (is this due to their respective advertising budgets, I wonder). </p><p>Witness the furore around JD Wetherspoon recently offering <a href="http://business.timesonline.co.uk/tol/business/industry_sectors/leisure/article5435780.ece">pints of beer for 99p</a>. I don't think there can be any argument about the potential dangers of alcohol ? last year the health minister Dawn Primarolo said that around a quarter of the population drink to a harmful level and that alcohol-related illness costs the NHS £2.7bn a year. But is this really irresponsible when compared to the big supermarkets?</p><p>A lot of noise has been made about what Wetherspoon have been discounting ? in this case bottles of San Miguel and pints of John Smith (neither brewers are backing the move), and this, say some, is evidence of a fairly responsible attitude. Many older punters yesterday welcomed the move saying they wouldn't drink more but would now be able to enjoy a cheaper pint of beer in the company of other people. Surely this is a more responsible type of discount than, say, reducing the price of spirits? Does it makes any difference what they are discounting?</p><p>My take on the story is that pubs are learning a lesson from the supermarkets here: that where some products are discounted down to almost cost price money is made from associated sales. Plenty of people will be buying food in Wetherspoons or have friends with them who drink something different. </p><p>The Guardian recently <a href="http://www.guardian.co.uk/business/2009/jan/03/one-pound-pub-lunch-deals">ran a story on the Four Crosses Inn</a> near Cannock, Staffordshire, which is selling meals for a pound and has seen business increase tenfold ? it is obviously trying to make up for what seems like an insane discount from people buying drinks. Is that the future for pubs and bars? Are pubs as entitled as any other business to attempt this kind of 'sale' on their products? </p><p>My own feelings are that the country would benefit from a clear law on acceptable selling prices for alcohol, but until this comes in many pubs will continue to make these kinds of move to protect their very fragile businesses.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/lifeandstyle/foodanddrink">Food & drink</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Lifeandstyle&country=usa&spacedesc=rss&system=rss&transactionID=1231267914848010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Lifeandstyle&country=usa&spacedesc=rss&system=rss&transactionID=1231267914848010619015622994" 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><p style="clear:both" />
David Cameron calls for league tables to improve UK prisons
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/20651?ns=guardian&pageName=Politics%3A+David+Cameron+calls+for+league+tables+to+improve+UK+prisons&ch=Politics&c3=guardian.co.uk&c4=David+Cameron%2CConservatives%2CEconomic+policy%2CRecession+%28UK%29%2CHousing+market+%28Business%29%2CBanking+%28Business%29%2CBanks+and+building+societies%2CInterest+rates+%28Money%29%2CHouse+prices+%28Money%29%2CPolitics%2CBusiness%2CMoney%2CUK+news%2CPrisons+and+probation+%28Society%29%2CCriminal+justice+%28politics%29%2CUS+economy+%28Business%29&c5=Personal+Finance%2CInvestments%2CCredit+Crunch%2CPolicy+Society%2CBusiness+Markets%2CNot+commercially+useful%2CCommunities+Society%2CProperty+Mortgages+and+Interest+Rates%2CUS+Economy&c6=Helen+Carter&c7=2009_01_06&c8=1142822&c9=article&c10=GU&c11=Politics&c12=David+Cameron&c13=&c14=&h2=GU%2FPolitics%2FDavid+Cameron" width="1" height="1" /></div><p>David Cameron said today that he would introduce league tables for prisons to cut reoffending rates with an increased emphasis on rehabilitation and follow-up care after release.</p><p>The Tory leader also indicated that he was against the government's "Titan prisons", which he thought were a "bad idea".</p><p>"The idea that big is beautiful with prisons is wrong," he told 20 handpicked members of the public in Manchester, in a session led by Channel M television presenter Andy Crane.</p><p>"I&nbsp;have spent some time in prison ? purely in a professional capacity ? at Wandsworth prison and was profoundly depressed by the size and impersonality," Cameron said. "I asked the governor what percentage offend when they leave prison and he couldn't tell me.</p><p>"The system is not designed that way; it is just designed to put them in prison and hold them there, locked in cells for up to 23 hours a day, and then let them out. Every other public service is paid for by result."</p><p>Cameron said there was a need to incentivise prisons. "Are you saying league tables for prisons?" asked Crane. "Yes," ­Cameron replied.</p><p>Edward Garnier, the shadow justice minister, said: "Prisons should be places where people can be contained humanely, rehabilitated and taught to read and write, and get off drugs. This is most unlikely to be achieved in enormous Titan prisons.</p><p>"Jack Straw [the justice secretary] insisted that the design for three Titan prisons was predominantly based on cheapness rather than value for money and also that they should be designed to accommodate more than 2,500 prisoners. They are designed for overcrowding before they dig the first foundations; that to us is ridiculous.</p><p>"Experience suggests to us these large prisons are dangerous and inefficient. We suggest prisons become part of prison rehabilitation trusts similar to hospital trusts. In charge of each trust will be a highly skilled and experienced person and his job is not simply to lock up prisoners but take real and active interest of rehabilitation of offenders and promote reduction in reoffending."</p><p>Such a duty would be rewarded on the basis of the lowest reoffending rate, Garnier added.</p><p>Earlier, at a meeting at the Lowry arts centre in nearby Salford, 60 business people gathered with Cameron at his inaugural Get Britain Working Forum, which will tour the country.</p><p>A chartered surveyor told him that the government's VAT cut was a "damp squib" and suggested the housing market needed to get going as the engine of the economy. Mortgages were being advertised, but were only available to first-time buyers with a 35% deposit, and he suggested emulating an Australian scheme in which taxpayers fund first-time buyers' deposit.</p><p>"It seems to me the most important thing is to get banks lending again to businesses," Cameron said. "Businesses large, medium and small are all writing to me saying effectively the same thing: my credit line has been withdrawn, my overdraft facility has been taken away ? I'm having to lay people off."</p><p>The Tory leader said that government borrowing was a reason why sterling had fallen and said he was a firm believer in floating exchange rates, as he was in the Treasury during the exchange rate mechanism debacle of the 1990s.</p><p>"I see no circumstances in which joining the euro would be a good thing because I&nbsp;want us to set our own interest rates. We just need a government that puts fiscal responsibility at the heart of what it does." He made it clear that when he is prime minister "we will keep the pound".</p><p>Yesterday, <a href="http://www.guardian.co.uk/politics/2009/jan/06/david-cameron-conservatives-economic-policy" title="">Cameron offered tax breaks worth a total of £5bn to millions of pensioners and savers</a>. The Tories have also promised a £50bn loan guarantee scheme with the government "standing behind" loans to firms.</p><p>At the later session in Manchester, the Tory leader contradicted Eric Pickles, the shadow minister for communities and local government, over the abolition of regional development agencies, saying that councils in north-west England "may come together and keep the Northwest Development Agency, but in other parts of the country, like the south-east, the councils may say no".</p><p>There was only one sour note struck at the forum, when a retired man asked a question on the basis that "every immigrant who comes to this country gets benefits and the benefit system is totally abused". An audible intake of breath could be heard from other members of the audience who clearly disagreed with his view.</p><p>Cameron answered a different question and said immigrants came here to work and that he would target instead the 2.6 million people claiming incapacity benefit.</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/recession">Recession</a></li><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li><li><a href="http://www.guardian.co.uk/business/banking">Banking</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/interestrates">Interest rates</a></li><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/society/prisonsandprobation">Prisons and probation</a></li><li><a href="http://www.guardian.co.uk/politics/justice">Criminal justice</a></li><li><a href="http://www.guardian.co.uk/business/useconomy">US economy</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=1231267914902010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1231267914902010619015622994" 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><p style="clear:both" />
Food labelling: Benn seeks more transparency on packaging
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/97433?ns=guardian&pageName=Money%3A+Food+firms+urged+to+make+sources+clearer&ch=Money&c3=guardian.co.uk&c4=Consumer+affairs+%28Money%29%2CMoney%2CFood+and+drink+%28Life+and+style%29%2CLife+and+style%2CEnvironment%2CUK+news%2CHilary+Benn%2CAgriculture+%28Science%29&c5=Environment+Conservation%2CPersonal+Finance%2CNot+commercially+useful%2CEthical+Living%2CFood+and+Drink&c6=James+Meikle&c7=2009_01_06&c8=1142862&c9=article&c10=GU&c11=Money&c12=Consumer+affairs&c13=&c14=&h2=GU%2FMoney%2FConsumer+affairs" width="1" height="1" /></div><p><strong></strong>Food companies and supermarkets must be more honest about where their food comes from, the environment secretary, <a href="http://www.guardian.co.uk/politics/hilarybenn" title="">Hilary Benn</a>, said today.</p><p>Benn said firms should state clearly on labels the country of origin for their prime ingredients ? instead of where products were last significantly processed ? so ­consumers can make a more informed choice about what they buy and eat.</p><p>The <a href="http://www.guardian.co.uk/uk/2008/dec/09/irish-pork-dioxins-food-scare" title="">scare over dioxins in Irish pork</a> last month revealed problems in identifying which products were affected and demonstrated why better labelling was needed, he told the Oxford farming conference.</p><p>Talks have begun at <a href="http://www.guardian.co.uk/world/eu" title="">European Union</a> level about changing labelling rules so consumers know where animals used even in processed foods are born, reared and slaughtered, but these could take two years to implement.</p><p>Benn appealed to the UK food industry to take the initiative, saying "the EU moves a lot slower than consumer demand does. Processors and retailers could get ahead here by voluntarily introducing country of origin labelling. I intend to meet them to discuss how this can happen."</p><p>He said people were thinking more about the quality, nutritional value and environmental impact of the food they ate. "When you buy a car you know its service history. When you buy a house you get a detailed survey. So why do we accept knowing so much less about what we are putting in our bodies? Well, I say, we shouldn't."</p><p>Present EU rules can obscure where food really came from. "A pork pie made in Britain from Danish pork can legitimately be labelled as a British pork pie," Benn said. "That's a nonsense and it needs to change."</p><p>The <a href="http://www.fdf.org.uk/" title="">Food and Drink Federation</a>, the industry trade body, gave a cool response to Benn's calls, saying there were already regulations to protect consumers from being misled. Helen Munday, its director of food safety and science, said it supported food companies who wanted voluntarily to put country of origin labelling on products but suggested there was a big difference between primary foods, where the country of origin was a bigger issue for consumers, and generic products such as meat pies, pizzas and lasagnes, which used a number of ingredients from a range of suppliers.</p><p>In the case of processed foods she said: "We don't think country of origin labelling is necessary, unless its absence would mislead consumers. Creating different labels to reflect the changing origin of the ingredients used to cook such complex products would be a bureaucratic nightmare ? and one that would add further, unnecessary costs to our sector at a difficult time for all our food producers."</p><p>Benn's speech also touched on the role of British farmers. He said: "I want British agriculture to produce as much food as possible. No ifs, no buts."</p><p>He also appealed to farmers to produce more homegrown fruit and vegetables. "In 2007, the UK was 11% self-sufficient in fruit, 58% in vegetables and 79% in potatoes ? the result of people buying what they want. With the skills and ingenuity we have in agriculture and horticulture we could produce more fruit and vegetables here in the UK. The market is there, so what's holding us back? If there is demand then production should follow. So the answer is to buy more British and eat more British."</p><p>Currently the UK is 60% self-sufficient in all foods and about 75% self-sufficient in foods that can be produced in this country.</p><p>Benn insisted there would still be rules to protect soil, habitats, landscape and "the very climate on which all of these depend", but supported farmers in their <a href="http://www.guardian.co.uk/world/2009/jan/04/european-union-pesticides-carrot-crops" title="">concerns over new EU pesticides regulations</a> which are likely to be approved next week despite UK opposition.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/consumeraffairs">Consumer affairs</a></li><li><a href="http://www.guardian.co.uk/lifeandstyle/foodanddrink">Food & drink</a></li><li><a href="http://www.guardian.co.uk/politics/hilarybenn">Hilary Benn</a></li><li><a href="http://www.guardian.co.uk/science/agriculture">Agriculture</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=1231267914976010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231267914976010619015622994" 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><p style="clear:both" />
Gambling levy to be forced on gaming firms
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/63690?ns=guardian&pageName=Politics%3A+Gambling+levy+to+be+forced+on+gaming+firms&ch=Politics&c3=guardian.co.uk&c4=Politics%2CGambling%2CUK+news%2CBusiness%2CMoney%2CSociety&c5=Society+Weekly%2CPersonal+Finance%2CBusiness+Markets%2CNot+commercially+useful&c6=Andrew+Sparrow&c7=2009_01_06&c8=1142858&c9=article&c10=GU&c11=Politics&c12=Gambling&c13=&c14=&h2=GU%2FPolitics%2FGambling" width="1" height="1" /></div><p>Gambling companies may have to pay a compulsory £5m-a-year levy because of their "very disappointing" failure to fully fund treatment for gambling addicts, the government said today.</p><p>Publishing a consultation paper, sports minister Gerry Sutcliffe said the money would be used to fund helplines and treatment centres for gambling addicts, as well as to pay for research.</p><p>Sutcliffe said the government was resorting to a compulsory levy because gaming firms were failing to fund this sort of treatment on a voluntary basis. The industry has three months to draft an acceptable voluntary scheme or the government will quickly impose its alternative.</p><p>"We have put the protection of vulnerable people at the heart of the Gambling Act and that remains our priority," he said.</p><p>"We must ensure that organisations working to prevent and treat problem gambling are given the financial security they need to carry out the important work they do."</p><p>Gaming operators have been contributing to treatment programmes voluntarily since 2002 under an arrangement administered by the Responsibility in Gambling Trust.</p><p>The Gambling Commission said in 2007 that a compulsory levy should be imposed in 2009 if the industry failed to meet set funding targets. For the past two years the money has been provided only very late in the financial year, and for 2008-09 the fund is still about £1.2m short of its current £4.5m target. In 2009-10 the funding target will rise to £5m.</p><p>"Gambling operators have a responsibility to help fund [research, education and treatment] and it is very disappointing that the industry has so far failed to agree improved voluntary arrangements to do this," said Sutcliffe. He was still willing to accept a voluntary arrangement, provided the gambling industry proposed an acceptable scheme. Otherwise, following the end of the consultation in March, the government will impose a statutory levy. The terms of the Gambling Act mean ministers can do this simply, using secondary legislation.</p><p>Under the draft proposals, firms running betting shops, casinos, bingo halls and other gambling outlets would pay an annual flat fee, depending on the type of premises run and the volume of gambling offered. The smallest bookmakers and family entertainment centres would not have to contribute.</p><p>The Liberal Democrats said the government should have acted sooner. Don Foster, the party's culture spokesman, said the government first threatened to impose a statutory levy in 2003. "The delay in providing proper gambling addiction services in this country has been a disgrace. Ministers have repeatedly turned a blind eye to the problems their reforms have caused while continuing their hell-bent pursuit of the gambling tax bonanza," he said.</p><p>"While some parts of the industry have paid up, the vast majority have shown a complete disregard for their responsibility to fund problem gambling services. Today's announcement is only a small step forward. We now need the government to recognise that gambling addiction is a health problem and ensure all local health authorities develop strategies to deal with it."</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/uk/gambling">Gambling</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=1231267915020010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Politics&country=usa&spacedesc=rss&system=rss&transactionID=1231267915020010619015622994" 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><p style="clear:both" />
Mortgage lenders can't hide the obvious - the housing market is in freefall
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/4941?ns=guardian&pageName=Business%3A+Mortgage+lenders+can%27t+hide+the+obvious+-+the+housing+market+is+in+freefall&ch=Business&c3=guardian.co.uk&c4=Housing+market+%28Business%29%2CHouse+prices+%28Money%29%2CFirst-time+buyers%2CCredit+crunch+%28Business%29%2CBanks+and+building+societies%2CMortgages+%28Money%29%2CBusiness%2CMoney&c5=Personal+Finance%2CInvestments%2CCredit+Crunch%2CBusiness+Markets%2CProperty+Mortgages+and+Interest+Rates&c6=Ashley+Seager&c7=2009_01_06&c8=1142846&c9=article&c10=GU&c11=Business&c12=Housing+market&c13=&c14=&h2=GU%2FBusiness%2FHousing+market" width="1" height="1" /></div><p></p><p>You have to hand it to the Nationwide, and, indeed, the Halifax.</p><p>Both lenders, in producing their monthly reports showing prices fell more than 2% in a single month in December, are saying that things are not as bad as they look.</p><p>The pace of decline is steadying, they argue, rather than accelerating. The <a href="http://www.guardian.co.uk/money/2009/jan/06/house-prices-fall-in-december" title="">Nationwide said this morning argued that the three-month on three-month fall was "only" 4.2%</a>. That may be true but it would still give you an annualised fall of 17%.</p><p>Its monthly figure of 2.5% would give you an annualised figure of 30% while <a href="http://www.guardian.co.uk/money/2009/jan/06/house-prices-fall-in-december" title="">the Halifax's December figure of 2.2% down, reported last Friday</a>, gives you an annualised pace of tumble of around 26%.</p><p>The truth is you can take your pick but nothing changes the picture that the housing market is in free fall and has considerably further to go given the scarcity of mortgage finance, particularly for first-time buyers, and given the idea that people don't want to buy now when they think they can buy cheaper in year's time.</p><p>Quite how far house prices will fall is anyone's guess. Prices are down now about a fifth from the peak in autumn 2007. Add in inflation over that period of 5-6% and you have a real-term fall of about a quarter.</p><p>Some optimists say that the big recent interest rate cuts and the fact that prices have fallen a lot mean we are now quite close to the bottom. Others argue, more realistically, that we are only half way through this process, given that unemployment is rising so strongly, and that prices will probably shed 50% in real terms by the time the market stabilises next year or in 2011.</p><p>For now auction prices offer a good indication that prices have further to fall. They are down about 35% or more from the peak. Auctions are interesting because they represent actual cash sales taking place where mortgage finance is not necessary.</p><p>Some argue that they do not represent the wider market since many of the sellers are "distressed" in the sense that they have to sell at almost any price. But they nevertheless provide a clue as to what realistic buyers are prepared to pay for properties and therefore how much further the wider market will have to fall before it clears.</p><p>Elsewhere today, <a href="http://www.guardian.co.uk/business/2009/jan/06/recession-economics" title="">the Chartered Institute of Purchasing and Supply's monthly survey of the dominant services sector was awful</a> and close to November's record low. You could argue that the lack of a further drop shows the sector is beginning to stabilise but that is a brave call.</p><p>This economy is getting worse at an alarming pace and needs all the help it can get. A majority of City pundits thinks that the Bank of England will cut rates by half a point this week to an all-time low of 1.5%. But that same majority has spent much of the past 12 months getting the economy spectacularly wrong. The Bank is much more likely to cut by a full point to 1% on Thursday.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/business/housingmarket">Housing market</a></li><li><a href="http://www.guardian.co.uk/money/houseprices">House prices</a></li><li><a href="http://www.guardian.co.uk/money/firsttimebuyers">First-time buyers</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/banks">Banks and building societies</a></li><li><a href="http://www.guardian.co.uk/money/mortgages">Mortgages</a></li></ul></div><div class="guRssAdvert"><a href="http://ads.guardian.co.uk/click.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1231267915080010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Business&country=usa&spacedesc=rss&system=rss&transactionID=1231267915080010619015622994" 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><p style="clear:both" />
Builders tempt homebuyers with 'no bills' offer
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/89081?ns=guardian&pageName=Money%3A+Builders+tempt+homebuyers+with+%27no+bills%27+offer&ch=Money&c3=guardian.co.uk&c4=Property%2CHousehold+bills%2CEnergy+bills%2CMoney%2CConstruction+industry+%28Business%29%2CHousing+market+%28Business%29%2CBusiness%2CUK+news&c5=Personal+Finance%2CCredit+Crunch%2CNot+commercially+useful%2CBusiness+Markets%2CEnergy%2CEthical+Living%2CProperty+Mortgages+and+Interest+Rates&c6=Lisa+Bachelor&c7=2009_01_06&c8=1142815&c9=article&c10=GU&c11=Money&c12=Property&c13=&c14=&h2=GU%2FMoney%2FProperty" width="1" height="1" /></div><p>Homebuyers are being offered 18 months of free gas, electricity and water bills in what is likely to be the first of many bribes offered by desperate housebuilders this year.</p><p></p><p>Barratt Homes and its subsidiary David Wilson are offering to supply homebuyers with gas, electricity and water free of charge, and pay their council tax bills, until the summer of 2010 on developments in Lincolnshire and Derbyshire.</p><p></p><p>The average household's annual gas and electricity bill is £1,293, according to uSwitch.com, though good insulation in a new-build property means this is usually lower for those households. The average annual water bill is £330.</p><p></p><p>"Paying utility bills is one of the biggest variables in most household's disposable income," said James Poynor, sales director at Barratt North Midlands. "When gas and electricity prices are as high as they are now everyone feels the strain."</p><p></p><p>Meanwhile, Notting Hill London, the private housing division of the Notting Hill Housing Group, is offering to kit new flats out with a bed, sofa, wardrobe, table and chairs and other essential furniture on some apartments in one of its gated residential developments in north London.</p><p></p><p>The bribes are not the first that desperate developers have offered in a bid to attract buyers - in September Barratt's rival Persimmon made <a href="http://www.guardian.co.uk/money/2008/sep/27/property.mortgages.barratt" title="">a similar offer to pay buyers' household bills</a> and in the summer a consortium of housebuilders in Devon were offering to throw in a free car with every flat bought.</p><p></p><p>Last November, upmarket property developer Fivewalk Homes offered an Aston Martin to anyone buying one of its £1.25m properties. To date, no one has taken it up on the deal. "The offer is still open and we are prepared to offer the equivalent cash amount off the property if preferred," said a spokeswoman for the company.</p><p></p><p>Such offers were made in a year when <a href="http://www.guardian.co.uk/money/2009/jan/06/house-prices-fall-in-december" title="">house prices tumbled by an average 16%</a>, according to the Nationwide, and with commentators expecting further price falls this year housebuilders are expected to come up with ever more inventive deals.</p><p></p><p>"Clearly it is a very challenging time for housebuilders and they are trying to maintain or increase their market share from the market that is still there," said Steve Turner of the Home Builders Federation.</p><p></p><p>According to senior government housing officials, the number of new homes built in Britain this year <a href="http://www.guardian.co.uk/business/2008/dec/28/construction-industry-housing-market" title="">will fall below 80,000</a>. If this dire prediction is borne out, 2009 will be one of the worst years for the housebuilding industry for a century, and will exacerbate Britain's housing crisis.</p><div style="float: left; margin-right: 10px; margin-bottom: 10px;"><ul><li><a href="http://www.guardian.co.uk/money/property">Property</a></li><li><a href="http://www.guardian.co.uk/money/householdbills">Household bills</a></li><li><a href="http://www.guardian.co.uk/money/energy">Energy bills</a></li><li><a href="http://www.guardian.co.uk/business/construction">Construction industry</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=1231267915194010619015622994"><img src="http://ads.guardian.co.uk/image.ng/richmedia=yes&site=Money&country=usa&spacedesc=rss&system=rss&transactionID=1231267915194010619015622994" 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><p style="clear:both" />
Saving is getting harder as the best-buy tables are topped with unfamiliar names
<div><img alt="" src="http://hits.guardian.co.uk/b/ss/guardiangu-feeds/1/H.15.1/69967?ns=guardian&pageName=Money%3A+What%27s+in+a+name%3F&ch=Money&c3=guardian.co.uk&c4=Savings+%28Money%29%2CMoney%2CInterest+rates+%28Money%29&c5=Personal+Finance%2CProperty+Mortgages+and+Interest+Rates&c