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
Sport
Louis van Gaal would have been impressed with Darren Fletcher’s performance against LA Galaxy during Manchester United’s 7-0 victory
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Southern charm: Nicolas Cage and Tye Sheridan in ‘Joe’
filmReview: Actor delivers astonishing performance in low budget drama
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Isis fighters travel in a vehicle as they take part in a military parade along the streets of Syria's northern Raqqa province
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Christian Grey cradles Ana in the Fifty Shades of Grey film
filmFifty Shades of Grey trailer provokes moral outrage in US
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The veteran poverty campaigner Sir Bob Geldof issues a stark challenge to emerging economies at the Melbourne HIV/Aids conference
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Benedict Cumberbatch and John Malkovich talk Penguins of Madagascar at Comic-Con
comic-con 2014Cumberbatch fans banned from asking about Sherlock at Comic-Con
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Chris Pratt stars in Guardians of the Galaxy
filmGuardians Of The Galaxy should have taken itself a bit more seriously, writes Geoffrey Macnab
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Sir Chris Hoy won six Olympic golds - in which four events?
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Day In a Page

Burgundy, the River Rhone & Provence – MS Swiss Corona - seven nights from £999pp
Lake Maggiore, Orta and the Matterhorn – seven nights from £899pp
Sicily – seven nights from £939pp
Pompeii, Capri and the Bay of Naples - seven nights from £799pp
Istanbul Ephesus & Troy – six nights from £859pp
Mary Rose – two nights from £319pp
Backhanders, bribery and abuses of power have soared in China as economy surges

Bribery and abuses of power soar in China

The bribery is fuelled by the surge in China's economy but the rules of corruption are subtle and unspoken, finds Evan Osnos, as he learns the dark arts from a master
Commonwealth Games 2014: Highland terriers stole the show at the opening ceremony

Highland terriers steal the show at opening ceremony

Gillian Orr explores why a dog loved by film stars and presidents is finally having its day
German art world rocked as artists use renowned fat sculpture to distil schnapps

Brewing the fat from artwork angers widow of sculptor

Part of Joseph Beuys' 1982 sculpture 'Fettecke' used to distil schnapps
BBC's The Secret History of Our Streets reveals a fascinating window into Britain's past

BBC takes viewers back down memory lane

The Secret History of Our Streets, which returns with three films looking at Scottish streets, is the inverse of Benefits Street - delivering warmth instead of cynicism
Joe, film review: Nicolas Cage delivers an astonishing performance in low budget drama

Nicolas Cage shines in low-budget drama Joe

Cage plays an ex-con in David Gordon Green's independent drama, which has been adapted from a novel by Larry Brown
How to make your own gourmet ice lollies, granitas, slushy cocktails and frozen yoghurt

Make your own ice lollies and frozen yoghurt

Think outside the cool box for this summer's tempting frozen treats
Ford Fiesta is UK's most popular car of all-time, with sales topping 4.1 million since 1976

Fiesta is UK's most popular car of all-time

Sales have topped 4.1 million since 1976. To celebrate this milestone, four Independent writers recall their Fiestas with pride
10 best reed diffusers

Heaven scent: 10 best reed diffusers

Keep your rooms smelling summery and fresh with one of these subtle but distinctive home fragrances that’ll last you months
Commonwealth Games 2014: Female boxers set to compete for first time

Female boxers set to compete at Commonwealth Games for first time

There’s no favourites and with no headguards anything could happen
Five things we’ve learned so far about Manchester United under Louis van Gaal

Five things we’ve learned so far about United under Van Gaal

It’s impossible to avoid the impression that the Dutch manager is playing to the gallery a little
Screwing your way to the top? Good for Lana Del Rey for helping kill that myth

Screwing your way to the top?

Good for Lana Del Rey for helping kill that myth, says Grace Dent
Will the young Britons fighting in Syria be allowed to return home and resume their lives?

Will Britons fighting in Syria be able to resume their lives?

Tony Blair's Terrorism Act 2006 has made it an offence to take part in military action abroad with a "political, ideological, religious or racial motive"
Beyoncé poses as Rosie the Riveter, the wartime poster girl who became a feminist pin-up

Beyoncé poses as Rosie the Riveter

The wartime poster girl became the ultimate American symbol of female empowerment
The quest to find the perfect pair of earphones: Are custom, 3D printed earbuds the solution?

The quest to find the perfect pair of earphones

Earphones don't fit properly, offer mediocre audio quality and can even be painful. So the quest to design the perfect pair is music to Seth Stevenson's ears
US Army's shooting star: Lt-Col Steven Cole is the man Hollywood calls when it wants to borrow a tank or check a military uniform

Meet the US Army's shooting star

Lt-Col Steven Cole is the man Hollywood calls when it wants to borrow a tank or check a military uniform