Hagger

Martin Hagger, a psychologist at Curtin University in Australia, said that introducing a minimum price of 50p per unit of alcohol would reduce alcohol consumption in the UK by about 7%, according to modelling carried out by the University of Sheffield and funded by the Department of Health.

Price of alcohol is 'obscenely low' 2011

In concordance with our expectations, participants did express negative views of the minimum price per unit, said Hagger.

Price of alcohol is 'obscenely low' 2011

Andrew Hagger of comparison website Moneynet said: It's important that a specific savings vehicle exists for children, although without any incentive or contribution from the government and rates at such a low ebb, it's difficult to see this being a roaring success.

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Andrew Hagger from Moneynet.co.uk said: "The new Isa versions of BM Savings' bonds look quite attractive as the rate is the same as National Savings and Investments' five-year index-linked savings certificates, but savers are limited to £5,340 the annual Isa allowance whereas NS&I allows deposits of up to £15,000 tax-free and doesn't impact on your Isa allowance."

BM Savings launches range of inflation-linked bonds and Isas 2011

Hagger Cigarette & Tobacco also has a presence in South Sudan.

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"To get the best rate on a savings account you now have to look at accounts that pay a bonus for a limited period," Hagger says.

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"In the wider market, if you borrow larger amounts you will normally get a lower rate," Hagger says.

Metro Bank rates 'won't trouble best-buy tables' 2010

"The great thing is that after you've had your money in for two years, you can make withdrawals without incurring any penalties or loss of interest," said Hagger.

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However, borrowers who don't qualify should not panic: Hagger says there are 71 0% deals available, 39 of which run for 12 months or longer.

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"However, on a loan of £1,000 you are looking at interest rates of over 20%, so the Metro Bank rate is excellent for that level of borrowing," Hagger says.

Metro Bank rates 'won't trouble best-buy tables' 2010