News The more modern town of Salford, where the latest investment of the English Cities Fund is expected to be announced

Could Britain’s chronic housing shortage be solved by using insurers’ assets? Jamie Dunkley and Russell Lynch report

Stephen Foley: So, what 'should we' make of Goldmans?

US Outlook: Bankers aren't chastened or changed, part 2. (It has been a depressing few days.)

Bailed-out banks put up cost of public works by over £1bn

Banks partly owned by the Government were allowed to increase the amount they charged to finance new schools, hospitals and roads by over £1 billion during the height of the credit crunch.

Life on the front line of Britain's debt

Business has been booming for the Consumer Credit Counselling Service. Julian Knight meets the charity's founder

M25 project delay 'behind £660m cost rise'

The cost of widening Britain's busiest motorway has increased by 24%, or £660 million, partly due to the slow way the Highways Agency took the project forward, a report by a Government spending watchdog said today.

David Prosser: Adviser to Bank gets even more contrary

Outlook Adam Posen, one of the external members of the Monetary Policy Committee, has been taking a contrary stance for some months now, warning that unless the Bank of England begins a second round of quantitative easing, the UK economy will slip back into a downturn damaging enough for the effects to be felt for a generation.

Frankie Boyle: I Would Happily Punch Every One of You in the Face, New Theatre, Oxford

Who better, I thought, to shake us out of credit-crunch fatigue and the cuts commotion than the scything Scottish comedian Frankie Boyle? It's a last act of "kindness" before his early retirement from live performance, announced two years ago and which finally begins at the end of this tour.

Directors' pay falls but bonuses return

British executives suffered the second largest fall in salaries in Europe over the last year, but were compensated with a sharp jump in the value of their bonuses.

Financial services success story amid the gloom

Britain's financial services industry continues to rise above the gloom of the faltering economy, the Confederation of British Industry will say today, while also warning that the sector is now growing less quickly than had been expected.

Reinsurance: Executives fear regulation growth

European reinsurers have overhauled their operations since the credit crunch, while US and Bermuda-based rivals have maintained their business models, a report out tomorrow is expected to conclude.

UK plc 'shuns overseas M&A'

British businesses have been slow to spend their way out of the recession, leaving the UK lagging behind other economies, according to a report by KPMG.

How we learned to start worrying and love Mahler

The Austrian composer is more popular than ever, with a host of anniversary concerts planned. Yet at first his work was overlooked because his sense of doom was out of tune with the times

David Prosser: Bankers are not leaving the City

Outlook The reaction of the British Bankers' Association to proposed new rules from the Financial Services Authority on bonuses has been drearily predictable: yet another warning that the City's finest will flee the country if we police their pay more stringently than other jurisdictions.

House Doctor: 'Are we wasting our time trying to find a mortgage if we have only a 5% deposit?'

Question: Is there any kind of mortgage for first-time buyers with a 5 per cent deposit? I see a lot about 90 per cent loan-to-value (LTV) loans but nothing for people like us who have at last just scraped 5 per cent (in our case, £7,500) for a flat worth roughly £150,000. Are we wasting our time?

House prices 'reach summer 2006 levels'

House prices are now back at the levels seen in the summer of 2006 after rising further in June, according to Land Registry figures today.

School holidays special: Money matters

Julian Knight on how to stretch your pound abroad
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Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
3.	Provence 6 nights B&B by train from £599pp
Prices correct as of 20 February 2015
HIV pill: Scientists hail discovery of 'game-changer' that cuts the risk of infection among gay men by 86%

Scientists hail daily pill that protects against HIV infection

Breakthrough in battle against global scourge – but will the NHS pay for it?
How we must adjust our lifestyles to nature: Welcome to the 'Anthropocene', the human epoch

Time to play God

Welcome to the 'Anthropocene', the human epoch where we may need to redefine nature itself
MacGyver returns, but with a difference: Handyman hero of classic 1980s TV series to be recast as a woman

MacGyver returns, but with a difference

Handyman hero of classic 1980s TV series to be recast as a woman
Tunnel renaissance: Why cities are hiding roads down in the ground

Tunnel renaissance

Why cities are hiding roads underground
'Backstreet Boys - Show 'Em What You're Made Of': An affectionate look at five middle-aged men

Boys to men

The Backstreet Boys might be middle-aged, married and have dodgy knees, but a heartfelt documentary reveals they’re not going gently into pop’s good night
Crufts 2015: Should foreign dogs be allowed to compete?

Crufts 2015

Should foreign dogs be allowed to compete?
10 best projectors

How to make your home cinema more cinematic: 10 best projectors

Want to recreate the big-screen experience in your sitting room? IndyBest sizes up gadgets to form your film-watching
Manchester City 1 Barcelona 2 player ratings: Luis Suarez? Lionel Messi? Joe Hart? Who was the star man?

Manchester City vs Barcelona player ratings

Luis Suarez? Lionel Messi? Joe Hart? Who was the star man at the Etihad?
Arsenal vs Monaco: Monaco - the making of Gunners' manager Arsene Wenger

Monaco: the making of Wenger

Jack Pitt-Brooke speaks to former players and learns the Frenchman’s man-management has always been one of his best skills
Cricket World Cup 2015: Chris Gayle - the West Indies' enigma lives up to his reputation

Chris Gayle: The West Indies' enigma

Some said the game's eternal rebel was washed up. As ever, he proved he writes the scripts by producing a blistering World Cup innings
In Ukraine a dark world of hybrid warfare and murky loyalties prevails

In Ukraine a dark world of hybrid warfare

This war in the shadows has been going on since the fall of Mr Yanukovych
'Birdman' and 'Bullets Over Broadway': Homage or plagiarism?

Homage or plagiarism?

'Birdman' shares much DNA with Woody Allen's 'Bullets Over Broadway'
Broadchurch ends as damp squib not even David Tennant can revive

A damp squib not even David Tennant can revive

Broadchurch, Series 2 finale, review
A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower: inside the mansion of Germany's 'Bishop of Bling'

Inside the mansion of Germany's 'Bishop of Bling'

A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower