Report urges streamlining of debt advice system

The debt advice system needs to be streamlined to make it easier for consumers to understand and to offer people help at an early stage, a report suggested today.

Poulter keeps his counsel after Hong Kong win

Ian Poulter has his sights set on climbing further up the world rankings after his UBS Hong Kong Open victory yesterday, but stopped short of staking his claim for the No 1 spot. The 34-year-old shot a three-under-par 67 in the final round to finish a stroke ahead of compatriot Simon Dyson and Italian teenager Matteo Manassero.

Business Extra: SMEs after the budget cuts

Small and medium-sized businesses can rarely have enjoyed so much attention as they are gaining at the moment. It seems that hardly a day goes by without a minister or other opinion former marking them out for playing a key role in the shake-up of society that is expected to be part and parcel of the Coalition’s attempt to bring down the national deficit.

Business News In Brief: OFT set to announce Travis Perkins' takeover decision

The Office of Fair Trading (OFT) will announce if it has approved Travis Perkins's £558m takeover of builders' merchants BSS on Tuesday.

Caroline Spelman: Her curtains are shabby, but her axe is sharp

The Secretary of State for Environment, Food and Rural Affairs has efficiently identified cuts while other ministers dither. And yet, she won't take a position on wheelie bins. Matt Chorley meets Caroline Spelman

Poulter pumped up for the cup

Ian Poulter believes he still has a point to prove ahead of his third Ryder Cup appearance - and first on home soil - at Celtic Manor this weekend.

Nine months on, playing around ends in divorce for Tiger Woods and wife

Marriage to ex-model became ‘irretrievably broken’, golfer admits in court documents

£755m UK border contract scrapped

The Government ended its £750m border security contract with a consortium led by Raytheon yesterday, saying it had no confidence in the US company.

Graduate news: How to get a well-paid job as a consultant

Consultancy is one of the top 10 graduate career choices, but what do these consultants do and how can someone who has never run a business tell someone else what to do?

Record plunge in Dow stokes market panic

Stock exchange bosses and regulators were last night scrambling to explain the cause of a plunge in the Dow Jones Industrial Average, which took the index down by the largest number of points in its history and stoked panic across fragile financial markets.

World No 1 marvels at warmth of Masters welcome

American says he was more nervous about yesterday's public practice than facing press

Humble and remorseful, Woods reveals pain of 'terrible behavior'

Golfer speaks candidly at ingenuous press conference ahead of the Masters

Poulter targets second win in a row buoyed by backing of greats

Ian Poulter begins his campaign to win back-to-back World Golf Championship events today spurred on by the well-wishes of some of the game's biggest names. Arnold Palmer, Greg Norman, Nick Faldo and even Colin Montgomerie contacted Poulter after he became the first Englishman to win a WGC event at the Accenture Match Play in Tucson last month.

The Last Word: If Woods makes miracle return, he needs to say sorry again

'Broken man' has pieced together his shattered life in just a month and is set to play a round once more

Tiger leaves the big question unanswered

Woods addressed his personal issues yesterday but left the game to speculate over the date of his return – and the frame of mind he will bring back to the course
News
news

Emergency call 'started off dumb, but got pretty serious'

News
people

Britain First criticised for using actress's memory to draw attention to their 'hate-filled home page'

Arts and Entertainment
JK Rowling is releasing a new Harry Potter story about Dolores Umbridge
arts + entsJK Rowling to publish new story set in wizard's world for Halloween
Arts and Entertainment
Benedict Cumberbatch has refused to deny his involvement in the upcoming new Star Wars film
filmBenedict Cumberbatch reignites those Star Wars rumours
News
Russell Brand was in typically combative form during his promotional interview with Newsnight's Evan Davis
people

Thought you'd seen it all after the Jeremy Paxman interview?

Arts and Entertainment
On The Apprentice, “serious” left the room many moons ago and yet still we watch
tv

Greatest mystery about the hit BBC1 show is how it continues to be made at all, writes Grace Dent

News
i100
Life and Style
tech

Voices
Funds raised from the sale of poppies help the members of the armed forces with financial difficulties
voicesLindsey German: The best way of protecting soldiers is to stop sending them into conflicts
Arts and Entertainment
A scene from David Ayer's 'Fury'
film

"History is violent," says the US Army tank commander Don "Wardaddy" Collier

Career Services

Day In a Page

Independent Travel
Vietnam & Cambodia
Pompeii, Capri & the Bay of Naples
Bruges
India & Nepal
Japan
Berlin, Dresden, Meissen & Colditz
Prices correct as of 17 October 2014
Wilko Johnson, now the bad news: musician splits with manager after police investigate assault claims

Wilko Johnson, now the bad news

Former Dr Feelgood splits with manager after police investigate assault claims
Mark Udall: The Democrat Senator with a fight on his hands ahead of the US midterm elections

Mark Udall: The Democrat Senator with a fight on his hands

The Senator for Colorado is for gay rights, for abortion rights – and in the Republicans’ sights as they threaten to take control of the Senate next month
New discoveries show more contact between far-flung prehistoric humans than had been thought

New discoveries show more contact between far-flung prehistoric humans than had been thought

Evidence found of contact between Easter Islanders and South America
Cerys Matthews reveals how her uncle taped 150 interviews for a biography of Dylan Thomas

Cerys Matthews on Dylan Thomas

The singer reveals how her uncle taped 150 interviews for a biography of the famous Welsh poet
DIY is not fun and we've finally realised this as a nation

Homebase closures: 'DIY is not fun'

Homebase has announced the closure of one in four of its stores. Nick Harding, who never did know his awl from his elbow, is glad to see the back of DIY
The Battle of the Five Armies: Air New Zealand releases new Hobbit-inspired in-flight video

Air New Zealand's wizard in-flight video

The airline has released a new Hobbit-inspired clip dubbed "The most epic safety video ever made"
Pumpkin spice is the flavour of the month - but can you stomach the sweetness?

Pumpkin spice is the flavour of the month

The combination of cinnamon, clove, nutmeg (and no actual pumpkin), now flavours everything from lattes to cream cheese in the US
11 best sonic skincare brushes

11 best sonic skincare brushes

Forget the flannel - take skincare to the next level by using your favourite cleanser with a sonic facial brush
Paul Scholes column: I'm not worried about Manchester United's defence - Chelsea test can be the making of Phil Jones and Marcos Rojo

Paul Scholes column

I'm not worried about Manchester United's defence - Chelsea test can be the making of Jones and Rojo
Frank Warren: Boxing has its problems but in all my time I've never seen a crooked fight

Frank Warren: Boxing has its problems but in all my time I've never seen a crooked fight

While other sports are stalked by corruption, we are an easy target for the critics
Jamie Roberts exclusive interview: 'I'm a man of my word – I'll stay in Paris'

Jamie Roberts: 'I'm a man of my word – I'll stay in Paris'

Wales centre says he’s not coming home but is looking to establish himself at Racing Métro
How could three tourists have been battered within an inch of their lives by a burglar in a plush London hotel?

A crime that reveals London's dark heart

How could three tourists have been battered within an inch of their lives by a burglar in a plush London hotel?
Meet 'Porridge' and 'Vampire': Chinese state TV is offering advice for citizens picking a Western moniker

Lost in translation: Western monikers

Chinese state TV is offering advice for citizens picking a Western moniker. Simon Usborne, who met a 'Porridge' and a 'Vampire' while in China, can see the problem
Handy hacks that make life easier: New book reveals how to rid your inbox of spam, protect your passwords and amplify your iPhone

Handy hacks that make life easier

New book reveals how to rid your email inbox of spam, protect your passwords and amplify your iPhone with a loo-roll
KidZania lets children try their hands at being a firefighter, doctor or factory worker for the day

KidZania: It's a small world

The new 'educational entertainment experience' in London's Shepherd's Bush will allow children to try out the jobs that are usually undertaken by adults, including firefighter, doctor or factory worker