Voices

Despite overwhelming evidence there is still continuing reluctance from politicians to accept just how useless short prison sentences are

NatWest sets its sights on mutual life purchase

NatWest Group has set its sights on a life insurance mutual as the last big acquisition step in its expansion strategy. Fresh from Monday's purchase of Gartmore, the bank yesterday stressed its intention to bolster NatWest Life's shaky position in the long-term savings market.

Terrorists killed by their own devices

IRA 'OWN GOALS'

Thinking of setting up your own portfolio? Private investors, start here

Unit trusts, investment trusts, PEPs and privatisation issues have made it very easy for investors to acquire a stake in the stock market. And there are plenty of private client stockbrokers happy to build and manage a portfolio of direct holdings for the idle investor who still wants direct exposure.

It's good to get personal

YOUR MONEY The fourth in our series on pensions explains how to make the best of a private plan

Diversification strategy pays off for CU

NIC CICUTTI

Life sellers must lay down the scattergun

THE life assurance industry - for long the black sheep of Britain's financial services - is struggling to mend its ways. But its response to the barrage of public criticism and the tougher regulatory regime it now labours under has been disappointing.

CU's expansion pays off as profits rise 25%

NIC CICUTTI

A calm hand for a troubled trade

THE MONDAY INTERVIEW John Carter

Lone sailor Lisa completes world trip of spacey

IAN MacKINNON

Collapse of confidence blamed for pension sales slump

Sales of pensions and life insurance products in Britain slumped last year, according to figures released yesterday by the Association of British Insurers.

Doctor Feelgood

Helena Burton talks to the man who compensates investors for hurt feelings

IRA Ceasefire: Children's hopes reflect the sectarian divide: Catholic primary school pupils are more optimistic about the future than Protestants

ONLY ONE boy in the class of 10- and 11-year-olds thought the ceasefire would last. 'I want it to last,' he said. 'You get sick of all the killing.'

IRA Ceasefire: Four inmates at the centre of controversy

THOMAS QUIGLEY: Given three life sentences in 1985 for the murders of two civilians and a bomb disposal expert in London. Those who died were Nora Field, 59, and John Breslin, 18, in a bomb blast at Chelsea barracks, and Kenneth Howorth, who was trying to defuse an IRA device in Oxford Street.

IRA Ceasefire: Tears and violence that marked 25 troubled years

The killing of Barney McGuigan and 13 other Catholics by the British Army in Londonderry's Bogside on Bloody Sunday, 30 January, 1972, set the seal on two decades of violent confrontation, bringing death to British towns such as Warrington, where an IRA bomb killed two boys, Tim Parry and Jonathan Ball, in March 1993, and a high-profile Army presence in working-class areas of Belfast, such as the Falls Road

IRA terrorist gets 25 years

Expectations of an early, open-ended but temporary IRA ceasefire remained high in Belfast and Dublin. At the Old Bailey Sean McNulty, 26, an English-born construction worker, was jailed for 25 years for taking part in an IRA plot to bomb oil and gas depots on Tyneside. In London part of the West End was sealed off after a bomb warning from a telephone caller using a recognised codeword. Pages 2, 6
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Cameron, Miliband and Clegg join forces for Homeless Veterans campaign

Cameron, Miliband and Clegg join forces for Homeless Veterans campaign

It's in all our interests to look after servicemen and women who fall on hard times, say party leaders
Millionaire Sol Campbell wades into wealthy backlash against Labour's mansion tax

Sol Campbell cries foul at Labour's mansion tax

The former England defender joins Myleene Klass, Griff Rhys Jones and Melvyn Bragg in criticising proposals
Nicolas Sarkozy returns: The ex-President is preparing to fight for the leadership of France's main opposition party – but will he win big enough?

Sarkozy returns

The ex-President is preparing to fight for the leadership of France's main opposition party – but will he win big enough?
Is the criticism of Ed Miliband a coded form of anti-Semitism?

Is the criticism of Miliband anti-Semitic?

Attacks on the Labour leader have coalesced around a sense that he is different, weird, a man apart. But is the criticism more sinister?
Ouija boards are the must-have gift this Christmas, fuelled by a schlock horror film

Ouija boards are the must-have festive gift

Simon Usborne explores the appeal - and mysteries - of a century-old parlour game
There's a Good Girl exhibition: How female creatives are changing the way women are portrayed in advertising

In pictures: There's a Good Girl exhibition

The new exhibition reveals how female creatives are changing the way women are portrayed in advertising
UK firm Biscuiteers is giving cookies a makeover - from advent calendars to doll's houses

UK firm Biscuiteers is giving cookies a makeover

It worked with cupcakes, doughnuts and macarons so no wonder someone decided to revamp the humble biscuit
Can SkySaga capture the Minecraft magic?

Can SkySaga capture the Minecraft magic?

It's no surprise that the building game born in Sweden in 2009 and now played by millions, has imitators keen to construct their own mega money-spinner
The King's School is way ahead of the pack when it comes to using the latest classroom technology

Staying connected: The King's School

The school in Cambridgeshire is ahead of the pack when it comes to using the latest classroom technology. Richard Garner discovers how teachers and pupils stay connected
Christmas 2014: 23 best women's perfumes

Festively fragrant: the best women's perfumes

Give a loved one a luxe fragrance this year or treat yourself to a sensual pick-me-up
Arsenal vs Borussia Dortmund: Alex Oxlade-Chamberlain celebrates century with trademark display of speed and intuition

Arsenal vs Borussia Dortmund

The Ox celebrates century with trademark display of speed and intuition
Billy Joe Saunders vs Chris Eubank Jnr: When two worlds collide

When two worlds collide

Traveller Billy Joe Saunders did not have a pampered public-school upbringing - unlike Saturday’s opponent Chris Eubank Jnr
Homeless Veterans Christmas Appeal: Drifting and forgotten - turning lives around for ex-soldiers

Homeless Veterans Christmas Appeal: Turning lives around for ex-soldiers

Our partner charities help veterans on the brink – and get them back on their feet
Putin’s far-right ambition: Think-tank reveals how Russian President is wooing – and funding – populist parties across Europe to gain influence in the EU

Putin’s far-right ambition

Think-tank reveals how Russian President is wooing – and funding – populist parties across Europe to gain influence in the EU
Tove Jansson's Moominland: What was the inspiration for Finland's most famous family?

Escape to Moominland

What was the inspiration for Finland's most famous family?