Economy boost as unemployment falls again but most new roles are part-time and half are in London

Up to the job?: Better-than-expected unemployment has provided rare good news for George Osborne, but joblessness among young people remains at worrying levels.

The current employment rate is 71.3 per cent, the best since February 2009. Of the net 212,000 jobs that were added in the period only 88,000 were full-time, with 125,000 part-time. And there is a pronounced regional split in where the new jobs are being created with almost half new roles, or 101,000, coming in London.

Bank of England rift means decision over more QE will be 'close call' next month

Rift: Bank of England rate-setters are split over injecting more stimulus cash into economy

Bank of England rate-setters are split over whether to inject more stimulus cash into the fragile economy.

RBS takes step closer to full privatisation as it leaves Government's toxic asset insurance scheme

Stephen Hester: 'We all want a system in which banks will never again need to seek credit support from Government in a financial crisis'

RBS will save £1.4m a day when it leaves the Asset Protection Scheme tomorrow, having paid £2.5bn since signing up in 2009.

Potential first-time buyers face wait of more than eight years to save their £26k deposit

Saving for a deposit: Some 56 per cent of the surveyed thought that this was the biggest challenge they faced when wanting to buy a property

Yorkshire BS said that it could take would-be first-time buyers eight years and a half to put aside the 20 per cent deposit needed.

Are we finally winning the battle against benefit cheats? Convictions soar 40% in two years after fraud investigators are given access to Sky TV bills

Michelle Taylor, 40, of Hilton Close, Bloxwich, was sentenced today to 12 weeks prison, suspended for 12 months after a £21,008.54 benefit fraud case at Walsall Magistrates

Extra powers to examine private spending records help tackle the £215million cost of wrongly-claimed benefits as ministers vow fraudsters 'will have to pay back their ill-gotten gains'.

Ministers for hire for £1,250: Pay-day loan firm Wonga pays to bend the ear of senior Tories

Wonga

Face-to-face meetings dubbed 'speed-dating' were arranged at the Tory conference, with businesses charged to bolster party coffers.

Love tip for men: don't get into debt! Financial weakness is a relationship breaker for nearly HALF of women

Can you pay the bill? Women are more concerned then men when it comes to the state of their partner's bank account

Women are more concerned then men when it comes to the situation of their partner's bank account and debt.

Mums going back to work forced into junior roles and earning £9,500 less

A woman's work: Sarah Jessica Parker starred as a working mum in I Don't Know How She Does It, but a new report reveals that the average mother going back to work suffers financially and career-wise.

A study of working mums showed 65 per cent believe they could achieve more but finding a job that fits around their needs means they are taking a back seat.

'We lost £212 to a firm we'd never heard of': What are your rights when your money goes missing?

Issue: Patrick Britten (right) and his wife Carol were ripped off by a company called High Street Max

One million savers face crippling cut to monthly income with pensioners worst-off

Adding up: HSBC research shows around 400,000 bonds are maturing

Almost one million savers seeking monthly income will see their returns drop in the next few weeks when they come to renew their fixed-rate bonds.

War hero Tony, 90, can’t get his £10,000 life savings because the building society thinks his signature's too shaky

Veteran: Tony Howard (right) with son Colin

Tony Howard knows what it is like to lose his freedom. In 1940, during World War II, he was on board a navy vessel sunk by a German warship in the Atlantic. He then spent five years as a prisoner of war.

'I was told I must have been grossly negligent': Exploitative banks break rules by painting victims of card fraud as criminals

Barclays blues: Bank told customer Peter Nixon that he must have withdrawn the money, despite him proving he was 3,000 miles away in the Middle East

Innocent victims of card fraud are being left out of pocket by banks who flout the rules - and claim they are being treated like criminals when they complain about fraudulent transactions, Money Mail reveals.

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Worried about rising energy costs? Here are 10 crafty tricks to cut your bill

Crafty tricks: Try these 10 tips to cut your bills

With fuel costs rocketing up, Money Mail has come up with 10 ways in which you can cut your bills. From clingfilming your windows to choosing the right energy company, it's all covered.

Inflation-busting savings accounts soar from eight in January to 266 today, but three-quarters still fall short

Inflation-busting savings

There is a choice of 266 standard savings accounts and Isas that basic rate taxpayers can choose from and 150 for higher rate taxpayers.

Which? calls on Cameron to fix the 'broken' energy market before bills go any higher

ix up, look sharp: Which? called on David Cameron to fix to the broken energy market.

In a letter to David Cameron after four of the big six energy firms have announced price hikes in recent weeks, Richard Lloyd, executive director of Which?, says the energy market is 'broken'.

Sainsbury's Bank slashed the rate of its cash Isa from 3.01% to 2.8% before I completed my forms - will I get the higher rate?

Cash Isa: I feel like I have been duped into opening an account if I end up a rate that is 0.21 points lower than I expected

By the time my forms arrived in the post to transfer my existing Isas into the Sainsbury’s account offering 3.01%, it had cut the rate back down to 2.8%. Will I now get this lower rate?

Isa allowance could increase to £11,532 from next April following a rise in the cost of living

Allowance: A rise in the capacity of an Isa is expected next year

The maximum amount savers can put in an Isa is expected to rise to around £11,532 from next April, following rises in the cost of living.

'Why should my daughter be worse off than her sister?': Child trust fund trap could leave kids locked out of Junior Isas £34k poorer

Fairness: Zoe Fletcher does not want one of her daughters to have an advantage over the other

Zoe Fletcher does not want one child to have an advantage over the other. Money Mail calls on the Government to rescue the savings of 6.3million children, whose cash is locked up in trust funds.

JAMES CONEY: Refusing all children a Junior Isa is an expensive mistake but the government don't seem to care

James Coney: It is time to level the playing field for childrens savings.

A savings disaster is looming for 6.3 million junior savers with child trust funds. Every day children are barred from moving their money into a Junior Isa, they get poorer.

War hero Tony, 90, can’t get his £10,000 life savings because the building society thinks his signature's too shaky

Tony Howard, 90, from Rickmansworth, Herts, requires 24 hour care

Tony Howard knows what it is like to lose his freedom. In 1940, during World War II, he was on board a navy vessel sunk by a German warship in the Atlantic. He then spent five years as a prisoner of war. Today, as a 90-year-old, with his health failing, but his mind still sharp, he considers keeping control of his finances a matter of dignity.

It sounds great but can your card REALLY get you 6% cashback?

Card king: Play the system right and you can earn 6% cashback

Shoppers are being offered up to 6 per cent cashback for simply spending on plastic. Card companies are locked in a war over perks as they try to sign up new customers. But these cash rewards can be loaded with tricks such as introductory offers, a ceiling on how much you can earn and stringent terms and conditions.

BMI members forced to use or lose airmiles after company buyout

Fly away: Airmiles will be wiped out if customers do not act

Thousands of frequent flyers with airline BMI must act swiftly to avoid all their hard-earned airmiles becoming worthless. Customers will lose all their BMI miles if they do not transfer to a BA scheme by December 31.

Sky customers face second bill hike in three months as line rental rises

Sky high: Prices are going up again as line rental rises

Sky customers are about to be hit with a second price hike in three months. From December, the price of Sky line rental is increasing from £12.25 to £14.50 a month.

Savers suffer after 72 hours of savage rate cuts to cash Isas and easy access accounts

Cuts : Halifax has axed its rates by as much as 0.75 percentage points

In the last few days, Halifax has axed its rates by as much as 0.75 percentage points for savers opening an account.

ASK TONY: How Thomson left us stuck with 36 stairs to climb in a hotel from hell

Stranded: The couple discovered there was no lift which would take them to their room

My wife and I booked a holiday to Cyprus. As she has arthritis in her knees, we booked a hotel with a lift as per the Thomson brochure. However, the hotel didn't have one and all the firm has done since is apologise.

Is the 'triple lock' state pension guarantee affordable? We'll only know if economic forecasts dramatically improve

Clarity: Predicting our economic future is certainly difficult but forecasters could improve by letting go of the past

You should be wary of planning your retirement savings around the government's pledge to raise state pensions by 2.5 per cent every year - even in recession years. Andrew Oxlade explains why.

House prices up 1.8% on a year ago but rise is thanks to London and the South East, official ONS figures report

On the up: House prices in London are still racing far ahead of the national average, the ONS says.

House prices climbed 1.8 per cent over the past year, according to official figures, buoyed by London properties racing ahead more than three times faster than the average.

Officials blame inflation and fearful businesses for getting growth forecasts wrong - but jury still out on austerity

Chancellor George Osborne

In June 2010 the OBR predicted that the economy would grow by 5.7 per cent from the first quarter of 2010 to the second quarter of 2012. In reality the economy grew by just 0.9 per cent in that time.

Household finances benefit from fall in inflation to 2.2% but cost of living set to accelerate this winter

Inflation has fallen but food prices are starting to gather steam

The fall in consumer prices index inflation from the August rate of 2.5 per cent also raises the probability that the Bank of England will inject more cash into the UK economy before the new year.

You can't always get what you want: Rolling Stones tickets resold for £2,500

It's only rock and roll: The members of British rock band The Rolling Stones, Charlie Watts, Keith Richards, Ronnie Wood and Mick Jagger at the Rolling Stones Fifty Years exhibition at Somerset House in in July.

Special pre-sale tickets to the Rolling Stones gigs in London are already being re-sold for double the price – an average of £2,500 for a standing ticket. Their sellers are unlikely to have bought them with any intention of actually going and instead wanted to turn a quick profit from touting them to desperate fans.

Plans to allow drivers to buy a tax disc without showing their insurance certificate are 'absurd' warns AA

Divided opinion: The Government is proposing changes to the way in which drivers apply for tax discs

Under the proposals unveiled by the Government today, existing databases with details of drivers’ insurance will be used to check that drivers have insurance instead of the certificates. But the motorist association warned the step would lead to a sharp increase in the number of people driving without cover, deliberately or through oversight.

Moving jobs 'could cost you a quarter of your pension pot' as workers face lottery

Pensions danger: Plans to automatically move pension pots with workers could cost them dearly in old age.

A strongly-worded warning has been sounded over a pensions lottery delivered by plans to automatically move people's funds with them when they change jobs.

Unreasonable online stores stop shoppers from getting a valid refund

Unfair: Online shoppers are being treated badly

More than a third of major online stores are flouting shoppers' rights, a survey has found. A survey of Britain’s 156 most popular internet sites discovered 62 broke consumer protection laws.

State pension rise to be just 2.5% for 13m after energy price rises 'fell out of inflation figures'

A helping hand: The basic state pension is likely to rise by 2.5 per cent in April

Pensioners look set to receive only a 2.5 per cent rise in their state pension next year after inflation, which has impoverished millions on fixed incomes in the past year, eased back at the crucial point.

Could your council save you £300 on your energy bills? Innovative community 'bulk-buying' scheme aims to slash bills as price hikes bite

Power up: The council - which encompasses Lake Windermere in the Lake District, pictured here - has launched the scheme to try and help people beat the recent price hikes from major energy companies

Almost 1,700 homes have signed up for the South Lakeland - where the Lake District, pictured, is located - 'Power Up Your Community' scheme, which will use collective bargaining power to drive down bills. The Cumbrian council says that households in the region could save between £50 and £300 by using the scheme.

OPINION: Starbucks position on UK tax has the stench of hypocrisy

Zero tax : Starbucks CEO Howard Schultz is said to be worth £930¿million

Birmingham is the UK's whiplash capital: City has 55% of the worst districts for making claims (and the most claims management companies...)

Coincidence? The density of third-party insurance claims roughly correlates with the density of claim management companies (Source: The Institute and Faculty of Actuaries)

The lowest number of claims, meanwhile, was seen in districts in Scotland, including Inverness, the Hebrides and Inverness. The increase in claims comes despite police statistics showing a fall in road accident injuries, the Institute and Faculty of Actuaries showed.

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'I paid £21k for a wood and love to relax there after work': Why interest in woodland ownership has never been higher

Who woodn't: John Webb enjoys a glass of wine in his woodland

INVESTMENT EXTRA: Neil Woodford turned £10,000 into £114,000 in 20 years - can he do it again?

Star: Cash has poured non-stop into Neil Woodford's three mega-sized funds at Invesco Perpetual since he joined the firm in 1988

He sold all his Tesco stock this year while investing legend Warren Buffett was buying. So can Invesco's contrarian investor Neil Woodford, who has made a fortune for long-term investors, keep winning?

Number of young among long-term jobless has doubled since 2008, report says

Youth unemployment: The worst-hit regions were Yorkshire and the Humber

Youth charity Prince Trust said the number of youngsters out of work for longer than two years had increased by 168 per cent.

Scottish Power to add £104 a year to bills as families name energy prices as 'biggest threat' to their finances

Take a hike: Scottish Power announced as 7 per cent rise in gas and electricity bills for 3.2million customers.

Scottish Power is to put up its gas and electricity prices by 7 per cent – adding £104 a year to the average bill – from 3 December.

'I research all the companies I invest in': They pay up to 7% but are retail bonds worth a risk?

Well informed: Steven Weller carefully researched his investments

Headline annual income of up to seven per cent has attracted a wave interest in retail bonds, which are issued by companies and traded on the stock market. Steven Weller is one investor.

Interest rates predictions: Rate rise hopes perk up marginally - despite fall in inflation

Bank of England in London

We explain the factors that will decide when interest rates rise - and how quickly, including the latest forecasts from markets and economists.

Property market gains on a year ago: What next for house prices?

Houses and bar charts

Eurozone debt crisis, cash-strapped banks and a double-dip recession - yet house prices are still managing to stay either afloat or only just under water. We analyse the latest reports.

What next for mortgage rates and should you fix?

Houses and calculator

Mortgage rates are bouncing around near record lows once more after a fresh bout of cuts. So should you take a fixed or tracker deal? Read our latest analysis.

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