Voices

As the retirement age advances, workers are more likely to switch profession

Salesmen go after Widows

Widowswindfall adds to siege of mutuals

Christmas has come early for members of Scottish Widows. Following last week's overwhelming vote in favour of a takeover by Lloyds TSB, the insurer will be paying out windfalls next June worth an average of pounds 5,600 to 1.6 million investors

Scottish Widows vote for pounds 5,600 Lloyds windfall

SCOTTISH WIDOWS members have voted overwhelmingly in favour of a takeover by Lloyds TSB, triggering bumper windfalls for 1.6 million policyholders.

Standard Life joins `red chip' in HK venture

STANDARD LIFE, the Edinburgh-based mutual life insurer, is preparing to move into the Hong Kong life and pensions market through a joint venture with China Everbright, one of China's leading companies .

The Player: Banking on people to win

PERSONAL DETAILS: Aged 56. Lives in London during the week and Northamptonshire at weekends. Drives a BMW 7-Series. Outside work, his interests include music and theatre. He has played the violin since school and is a non-executive director of the Royal Philharmonic Orchestra and a trustee of the Royal Theatre, Northampton. Mr Ellwood was paid a total of pounds 739,000 in 1998, including a salary of pounds 475,000.

Lloyds TSB restructures as e-commerce tops the agenda

LLOYDS TSB, Britain's largest high-street bank, is to cut the number of its operating divisions from five to two in a reshuffle of top management designed to give greater emphasis to developing e-commerce throughout the group.

Personal finance: Can CATs get the cream?

Regulators want to promote the kitemark on domestic ISAs, but unmarked ones can give a better return, writes Paul Slade

Market report: Huge Unichem trade gives dealers a merger headache

THE CHEMISTS' group Alliance Unichem was nursing a bit of a hangover yesterday as a large broker attempted to sell a chunk of shares.

Standard Life staff shun pounds 50,000 bonuses to join Halifax Net bank

STAFF AT Standard Life Bank are shunning loyalty bonuses of up to pounds 50,000 being offered in an attempt prevent them been poached by Halifax's new Internet-based bank being set up near Edinburgh.

Widows investors lose out on windfall

THOUSANDS of Scottish Widows investors who took out with-profit policies earlier this year have discovered they will not receive the windfalls they expected.

`Scottish Widows has come up with a fiendishly complex payout plan'

ANOTHER WEEK, another windfall. Hard on the heels of the Bradford & Bingley's payout plan for its demutualisation come the proposals from Scottish Widows on how to compensate its 1.6 million members when it sells up to Lloyds TSB.

Scottish Widows cuts windfalls by pounds 300 for 1m policyholders

WINDFALLS FOR almost a million Scottish Widows policyholders will be cut by an average of pounds 300 because of a shortfall in assets needed to back existing policies.
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Prices correct as of 28 November 2014
Homeless Veterans Christmas Appeal: ‘We give them hope. They come to us when no one else can help’

Christmas Appeal

Meet the charity giving homeless veterans hope – and who they turn to when no one else can help
Should doctors and patients learn to plan humane, happier endings rather than trying to prolong life?

Is it always right to try to prolong life?

Most of us would prefer to die in our own beds, with our families beside us. But, as a GP, Margaret McCartney sees too many end their days in a medicalised battle
Thomas Cook's outgoing boss Harriet Green got by on four hours sleep a night - is that what it takes for women to get to the top?

What does it take for women to get to the top?

Thomas Cook's outgoing boss Harriet Green got by on four hours sleep a night and told women they had to do more if they wanted to get on
Christmas jumper craze: Inside the UK factory behind this year's multicultural must-have

Knitting pretty: British Christmas Jumpers

Simmy Richman visits Jack Masters, the company behind this year's multicultural must-have
French chefs have launched a campaign to end violence in kitchens - should British restaurants follow suit?

French chefs campaign against bullying

A group of top chefs signed a manifesto against violence in kitchens following the sacking of a chef at a Paris restaurant for scalding his kitchen assistant with a white-hot spoon
Radio 4 to broadcast 10-hour War and Peace on New Year's Day as Controller warns of cuts

Just what you need on a New Year hangover...

Radio 4 to broadcast 10-hour adaptation of War and Peace on first day of 2015
Cuba set to stage its first US musical in 50 years

Cuba to stage first US musical in 50 years

Claire Allfree finds out if the new production of Rent will hit the right note in Havana
Christmas 2014: 10 best educational toys

Learn and play: 10 best educational toys

Of course you want them to have fun, but even better if they can learn at the same time
Paul Scholes column: I like Brendan Rodgers as a manager but Liverpool seem to be going backwards not forwards this season

Paul Scholes column

I like Brendan Rodgers as a manager but Liverpool seem to be going backwards not forwards this season
Lewis Moody column: Stuart Lancaster has made all the right calls – now England must deliver

Lewis Moody: Lancaster has made all the right calls – now England must deliver

So what must the red-rose do differently? They have to take the points on offer 
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