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Money problems

Money problems can come in all shapes and sizes, but debt can be one of the hardest to deal with. After all, someone whose bank balance is low might consider themselves to be in financial trouble, but someone who owes more money than they have is clearly worse off financially - they`d probably be happy to wipe out whatever savings they have if they could just wipe out their debt too!

In purely mathematical terms, Mr A, with £5 in the bank and no debt, is in a better position than Mr B, who has £2,000 in the bank but £3,000 of credit card debt. Mr B would probably be well advised to use his savings to pay off as much of his debt as possible, since debts tend to grow much more rapidly than savings. Today, it`s easy to find a credit card charging 20% interest, but most people would be pleased if their bank account paid a tenth of that in interest.

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Money problems

Budget case study: I am not a fat cat but my tax bill will triple

Danny Shahaf works hard. He owns a travel agency that sorts out flights for businesses and has been rushed off his feet during the recession to make sure his company is not hit too badly.

Businessmen who backed Tony Blair turn on Gordon Brown after Budget

They were some of the country’s most prominent businessmen who were among the first to declare their support for New Labour before the 1997 general election.

Some entrepreneurs will see tax bill triple after pension relief scrapped

Some entrepreneurs could see their tax bill more than triple after the controversial move to scrap higherrate tax relief on pension contributions in the 2009 Budget.

Alistair Darling admits he is not certain what will happen with economy after Budget

Alistair Darling has admitted he is not certain “what will happen” with the economy after being accused of using “fantasy” estimates to chart Britain’s economic recovery.

Grandparents may not take up fulltime child care due to Budget

Grandparents are unlikely to become fulltime carers for their grandchildren under Budget plans as they will not be paid campaigners warned.

WHO raises swine flu pandemic alert level

World Health Organisation raises global epidemic threat to second highest level as numbers of infected continue to rise

The World Health Organisation last night raised its swine flu global epidemic threat level to phase five – the second highest – as a result of the increasing number of people being confirmed as infected with the virus across the globe.

Phase five indicates the disease is able to spread easily between humans and is a strong signal that a pandemic is imminent. It can lead to governments bringing in measures to prevent its spread, including travel restrictions and trade limitations.

The next phase, six, is a full-blown pandemic, characterised by outbreaks in at least two regions of the world.

The increase in threat level comes after a 23-month-old Mexican child died in Texas, becoming the first person to die from swine flu outside the country of origin; while in Spain officials confirmed the first case of the disease in a person who has not travelled to Mexico.

The WHO had raised the alert level from three to four on Monday, the first time it had ever intervened to increase its pandemic threat warning. It said countries should activate their pandemic plans and remain on high alert.

Last night, the director general of the organisation, Dr Margaret Chan, announced the change at a press conference in Geneva and said action must be taken with “increased urgency”. She said: “Influenza pandemics must be taken seriously, precisely because of their capacity to spread rapidly to every country in the world.

“All countries should immediately now activate their pandemic preparedness plans. It really is all of humanity that is under threat in a pandemic.”

She added that, on the positive side, the world was better prepared for an influenza pandemic than at any time in history.

Measures taken because of the threat from avian influenza were an investment, and there was currently benefit from that investment. “For the first time in history, we can track the evolution of a pandemic in real time,” she added.

She said new diseases by definition were poorly understood. “Influenza viruses are notorious for their rapid mutation and unpredictable behaviour. WHO and health authorities in affected countries will not have all the answers immediately, but we will get them.”

Barack Obama described the situation as “serious” in a press conference last night and urged the public to show “great vigilance” in responding to swine flu.

He said, however, that there was no need for panic and rejected the possibility of closing the border with Mexico.

“At this point, (health officials) have not recommended a border closing,” he said. “From their perspective, it would be akin to closing the barn door after the horses are out, because we already have cases here in the United States.”

Peru later diagnosed its first case of swine flu, which appeared to be the first case in Latin America confirmed outside of Mexico.

The Health Minister, Oscar Ugarte, subsequently announced the suspension of all commercial flights arriving in Peru from Mexico.

Mexico’s government said it was temporarily suspending all nonessential activity of the federal government and private business as the number of confirmed swine flu cases jumped.

Mexico’s president, Felipe Calderon, has told citizens to stay home from Friday for the five-day partial shutdown of the economy.

In his first televised address since the crisis erupted last week, he told Mexicans to stay home with their families.
“There is no safer place than your own home to avoid being infected with the flu virus,” he said.

Nonessential federal government offices will be closed from May 1-5 and all nonessential private businesses must also close for that period however essential services like transport, supermarkets, trash collection, hospital will remain open.

In the UK, five people have been confirmed as having been infected with swine flu. They included three people who returned on the same charter flight from Cancún, Mexico – a 12-year-old girl from Torbay and a couple from Polmont in Scotland who had been on honeymoon.

The number of suspected cases in the UK had risen to 78 by yesterday afternoon, but that figure continued to fluctuate as new suspected cases emerged and others were ruled out as negative.

Professor Sir Liam Donaldson, the government’s chief medical adviser, said: “Phase five indicates that WHO considers a global pandemic to be imminent, whereas at phase four a global pandemic is not inevitable. A change to phase five is a signal to countries’ governments to ramp up their pandemic preparations – which we are already doing. We have been planning for a situation like this for some years. The preparations we have in place and are continuing to make will help to ensure we respond well in the event of a pandemic.”

Alan Johnson, the health secretary, said the government was obtaining extra antiviral drugs that would protect 50 million people, amounting to more than three-quarters of the UK population.

Last night, the European commission’s most senior health official said that potentially thousands could die. Robert Madelin, director general for consumer health policy, said it was not a question of if people would die, but how many.

He said there was confidence that Europe was well prepared for a pandemic. But when asked if people could die, he replied: “Every year 2,500 people die of the flu in Europe; the question now is not whether people will die, but whether it will be thousands, tens of thousands or hundreds of thousands.”

A British flu expert said the rise in threat level was not an “end of the world scenario”. Dr Alan McNally explained that this meant the disease had been spread between humans in two countries: Spain and Mexico.

The senior lecturer and researcher into influenza diagnostics at Nottingham Trent University said no human-to-human cases had yet been reported in the UK, but that some could occur.

He said: “The vast majority of people have been going around treating this as a bit of a joke but that stage has now gone. The time has come to have a bit of common sense about it.”

NHS Direct, the health and advice information service, released figures last night on the number of people visiting its website to find out more about swine flu.

A spokesman said more than 63,000 people visited NHS Direct on Tuesday this week, compared with around 39,000 on Tuesday last week. Of those, 16,638 people used the Cold and Flu Self Assessment Tool.

Monday saw an increase of about 30,000 hits on the website compared to the same time last week.

Meanwhile, 13,481 telephone calls were taken by the service yesterday. Of these, 1,659 were related to swine flu.

guardian.co.uk © Guardian News & Media Limited 2009 | Use of this content is subject to our Terms & Conditions | More Feeds



Motorists ‘to bear brunt of tax increases’ under 2009 Budget

Motorists will bear the brunt of more than half the tax rises announced by Alistair Darling in the Budget.

60m masks as new UK cases emerge

Millions more doses of antiviral drugs requested and mass leafleting strategy unveiled in ‘pandemic preparedness’ plan

Three new British cases of swine flu were confirmed yesterday as the Department of Health stepped up its emergency response with plans to purchase additional stocks of antiviral drugs and face masks.

All three - a 12-year-old girl from Paignton, Devon, a 41-year-old woman from Redditch, Worcestershire, and a 22-year-old man from north-west London - had recently returned from Mexico.

The child was on the same flight into Birmingham as the Scottish honeymoon couple who tested positive earlierthis week. Her school has been closed for a week.

The number of suspected cases had risen to 78 by early yesterday afternoon, but the figure fluctuated as some were discounted after negative test results and others emerged.

Before the World Health Organisation last night declared a pandemic alert phase five, its second highest alert level, the UK health secretary, Alan Johnson, revealed an array of measures to combat the disease in Britain, including obtaining extra supplies of antiviral drugs to protect 50 million people - more than three-quarters of the population.

Current UK stockpiles of Tamiflu and Relenza are enough to cover 33 million.

The Department of Health could not give a figure for the cost of additional drugs. Prior to this week it had already spent £500m in “pandemic preparedness” - a sum that includes previously purchased antiviral drugs, vaccines and advance supply agreements for emergency medicines.

The further doses would “come through over the coming weeks”, Johnson promised. The level of antiviral protection available was already far higher than any other country in the world, he added.

There is no evidence that providing the public with face masks would do anything to prevent the spread of the disease, but Johnson said 60m face masks would be ordered for “frontline” NHS staff, who may require several changes of mask in the course of their work.

There are signs of increased public demand for face masks. One online distributor, Windsor-based Surgical Face Masks, stopped taking orders yesterday, claiming to have been deluged by up to 5,000 orders since Saturday.

A factory in County Durham making face masks, run by the company 3M, has increased production to 24 hours a day, seven days a week to meet demand from the NHS.

The health secretary said: “To keep the public informed, a mass public health campaign will begin [today], with print, TV and radio adverts. The adverts will warn the public about swine flu and remind people to cover their noses and mouths with tissues [when they sneeze or cough] and then throw the tissue away.”

The slogan will be “Catch It, Bin It, Kill It”, referring to the advice to use throwaway paper tissues when ill, and to wash hands regularly. An information leaflet will be posted through people’s doors next Tuesday.

The Department of Health has set up a telephone line for the public to ring for updates on the situation. The number is 0800 1513513.

Health Protection Agency staff are also being sent to UK airports that have direct flights to Mexico to hand out advice to passengers. Airlines are being asked to keep passenger seating records, normally purged after 24 hours, for a longer period to trace potential infection contacts.

“The virus is giving us more time than we would normally expect in a flu epidemic,” said Sir Liam Donaldson, the chief medical officer. “It’s possible it will evolve as it passes through the population.” It could yet become more virulent. To be effective, he said, antiviral drugs have to be administered within 24 hours of the first symptoms appearing.

The decision to close the school in Devon until next Tuesday is in line with Health Protection Agency and WHO guidelines: seven days is the incubation period for the flu.

Fears of a fresh outbreak of swine flu in Scotland subsided yesterday after health authorities said 13 of the suspected cases had proven negative.

The Scottish health secretary, Nicola Sturgeon, said tests on eight of the nine people who had been in contact with the first Britons to catch it, Iain and Dawn Askham, had shown they did not have the same virus.

In a further development, tests on five of the 14 further suspected Scottish cases which came to light on Tuesday were also negative, while another two suspected cases were no longer of concern.

The minister said, however, that a further 24 suspect cases from across Scotland were under investigation, in Ayrshire and Arran, Greater Glasgow and Clyde, Lanarkshire, Highland and Lothian.

All those involved had travelled in Mexico and other affected areas. Added to the outstanding tests on the first wave of suspicious cases, there were now 32 cases under investigation in Scotland. However, the lack of any further transmission of the virus so far within Scotland should give affected families and authorities in England some reassurance after three confirmed cases came to light in Torbay, London and Birmingham, she later told reporters.

“I do think the experience we’ve had to date, and I stress to date, does give cause for optimism, not just in Scotland, but in other parts of the UK,” she said.

However, she warned it was still possible further cases would emerge. Sturgeon said she had spoken to Iain Askham, now entering his sixth day in an isolation ward, by telephone: “He said he was feeling well, he was feeling better. I think they’re looking forward to getting back to normal, although when I said that to him he said he had forgotten what normal felt like.”

guardian.co.uk © Guardian News & Media Limited 2009 | Use of this content is subject to our Terms & Conditions | More Feeds



Commons sketch: Ed Miliband defends the Budget

What a pleasure to find a Brownite who sounds neither brutish nor barmy. Ed Miliband has resisted the descent into boot boy politics which has afflicted so many of Gordon Brown’s closest lieutenants and of which the public has just been granted a glimpse in the downfall of Damian McBride.