The man who's made paper clips count at American Express

As efficiency becomes a priority, company procurement managers have their work cut out for them, writes Peter Koenig

Is there safety in numbers?

IF THERE is one thing the accountancy profession is agreed on, it is that medium-sized firms face a tricky future. Caught between the overwhelming power of the Big Five international firms and the small niche practices, they are busy jostling for position just to survive.

Money: Sun, sea and exploitation

Most of us are still paying too much for holiday cover despite new laws that should make it cheaper, writes Stephen Pritchard

The very VIP lounge, please

We're all middle class - but some of us are more middle class than others. HESTER LACEY uncovers the new elite

Obituary: Adolfo Bioy Casares

THE WRITER Adolfo Bioy Casares will perhaps be known best outside of Argentina as the friend and co-writer of Jorge Luis Borges, a friendship that began in 1935 and lasted a lifetime.

Your last chance to eat out and save a fortune

For the same price as a copy of The Independent - 45p - we are offering you the chance to treat a friend to a meal, and then save 25 per cent every time you eat in selected restaurants.

Money: The card that's fit for a king

Sudden craving for two dozen hamburgers? A new Cadillac? A charge - not credit - card is for you.

Restaurant offer: Dine out at Britain's finest restaurants and pay just 45p for your partner

Collect four tokens to take advantage of this fabulous opportunity - then enjoy meals at 25 per cent off

The knack How to get an upgrade

"Airlines look after their best customers first, so it helps if you're a frequent flyer. If you are, you'll probably be a member of a loyalty programme, which increases your chances further. You'll also be a valued customer to your travel agent, and it's in their interests to do favours for you. Ask them to approach the airline and make a case: `This customer is doing a lot of travelling on this route over the next few months, he's trying to finalise his choice of airline, and he'd like to sample your premium product.' Every booking has a history in the computer, and it's very important to get the upgrade message put into the system before you fly. Entries such as `upgrade subject to space' will be seen by the check-in agent who will then have more authority. The only sure way to get an upgrade is to pay with a gold or platinum American Express card - they have a programme which guarantees an upgrade, although usually from business to first class.

Personal Finance: Cards splash out on big spenders

GONE are the days when you thought yourself lucky if the bank kindly offered you a credit card for pounds 12 a year. The new Alliance & Leicester Gold MoneyBack card launches tomorrow and A&L pays you to use it. The bank is offering between 50p and pounds 4 cash back (depending on where you spend the money) for every pounds 100 you spend. A&L is hoping to attract plenty of affluent customers (earning pounds 20,000 or more per year) who plan to hit the January sales using their new cards.

Cover before you leap

Adequate medical and legal insurance are vital for winter sports, says Tim Collison

Personal Finance: Cash points - Amex portfolios

American Express is launching a choice of five investment portfolios, graded according to the amount of risk involved and aimed at private investors in Europe and the UK. Next month investors in France, Germany and Italy will be offered investments quoted in euros. From next April UK investors will be offered an identical range quoted in sterling, which will qualify for inclusion in tax-exempt Individual Savings Accounts.

Great! Another pair of socks...

Giving Christmas presents can be stressful. But receiving them is even worse.

Worth their weight in gold?

IN THE mid 1960s, American Express and Diners Club imported their charge cards from the US, writes Tony Lyons. What makes them different to a credit card is that you have to pay off the charge card in full every month.

Golf: Victims of the new world order

Golf's fast-changing landscape is leaving Europe's pros in the rough.
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Independent Travel
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Prices correct as of 17 October 2014
Indiana serial killer? Man arrested for murdering teenage prostitute confesses to six other murders - and police fear there could be many more

A new American serial killer?

Police fear man arrested for murder of teen prostitute could be responsible for killing spree dating back 20 years
Sweetie, the fake 10-year-old girl designed to catch online predators, claims her first scalp

Sting to trap paedophiles may not carry weight in UK courts

Computer image of ‘Sweetie’ represented entrapment, experts say
Fukushima nuclear crisis: Evacuees still stuck in cramped emergency housing three years on - and may never return home

Return to Fukushima – a land they will never call home again

Evacuees still stuck in cramped emergency housing three years on from nuclear disaster
Wildlife Photographer of the Year: Intimate image of resting lions claims top prize

Wildlife Photographer of the Year

Intimate image of resting lions claims top prize
Online petitions: Sign here to change the world

Want to change the world? Just sign here

The proliferation of online petitions allows us to register our protests at the touch of a button. But do they change anything?
Ed Sheeran hits back after being labelled too boring to headline festivals

'You need me, I don’t need you'

Ed Sheeran hits back after being labelled too boring to headline festivals
How to Get Away with Murder: Shonda Rhimes reinvents the legal drama

How to Get Away with Murder

Shonda Rhimes reinvents the legal drama
A cup of tea is every worker's right

Hard to swallow

Three hospitals in Leicester have banned their staff from drinking tea and coffee in public areas. Christopher Hirst explains why he thinks that a cuppa is every worker's right
Which animals are nearly extinct?

Which animals are nearly extinct?

Conservationists in Kenya are in mourning after the death of a white northern rhino, which has left the species with a single male. These are the other species on the brink
12 best children's shoes

Perfect for leaf-kicking: 12 best children's shoes

Find footwear perfect to keep kids' feet protected this autumn
Anderlecht vs Arsenal: Gunners' ray of light Aaron Ramsey shines again

Arsenal’s ray of light ready to shine again

Aaron Ramsey’s injury record has prompted a club investigation. For now, the midfielder is just happy to be fit to face Anderlecht in the Champions League
Comment: David Moyes' show of sensitivity thrown back in his face by former Manchester United manager Sir Alex Ferguson

Moyes’ show of sensitivity thrown back in his face... by Ferguson

Manchester United legend tramples on successor who resisted criticising his inheritance
Two super-sized ships have cruised into British waters, but how big can these behemoths get?

Super-sized ships: How big can they get?

Two of the largest vessels in the world cruised into UK waters last week
British doctors on brink of 'cure' for paralysis with spinal cord treatment

British doctors on brink of cure for paralysis

Sufferers can now be offered the possibility of cure thanks to a revolutionary implant of regenerative cells
Ranked seventh in world’s best tourist cities - not London, or Edinburgh, but Salisbury

Lonely Planet’s Best in Travel 2015

UK city beats Vienna, Paris and New York to be ranked seventh in world’s best tourist destinations - but it's not London