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		<title>Scotsman.com Business - Business</title> 
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		<copyright>Copyright 2007, Johnston Press Plc</copyright> 
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	<title>After a year's search, L&amp;G poised  to appoint Scots banker as chairman</title>
	<link>http://business.scotsman.com/business/After-a-year39s-search-LG.5845502.jp</link> 
	<description>INSURANCE giant Legal &amp; General is poised to announce the appointment of Scots-born banker John Stewart as its new chairman.</description> 
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	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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	<title>Gartmore's Christmas flotation set to buoy IPO market</title>
	<link>http://business.scotsman.com/business/Gartmore39s-Christmas-flotation-set-to.5845505.jp</link> 
	<description>FUND manager Gartmore yesterday confirmed plans to list before Christmas in a move likely to value it at &#163;1 billion, sparking hopes of a run of initial public offerings of pri</description> 
	<guid>http://business.scotsman.com/business/Gartmore39s-Christmas-flotation-set-to.5845505.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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	<title>Five big equity groups face off for Matalan</title>
	<link>http://business.scotsman.com/business/Five-big-equity-groups-face.5845507.jp</link> 
	<description>UP TO five heavyweight private equity groups are believed to have placed bids for Matalan, the discount clothing chain.</description> 
	<guid>http://business.scotsman.com/business/Five-big-equity-groups-face.5845507.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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	<title>Car production still in reverse, but there are signs of recovery</title>
	<link>http://business.scotsman.com/business/Car-production-still-in-reverse.5845511.jp</link> 
	<description>CAR production in the UK reversed last month, but the decline was the smallest this year, figures yesterday revealed.</description> 
	<guid>http://business.scotsman.com/business/Car-production-still-in-reverse.5845511.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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	<title>First-time buyers left out in cold due to lack of deposits</title>
	<link>http://business.scotsman.com/business/Firsttime-buyers-left-out-in.5845260.jp</link> 
	<description>THE time may be right  for first-time buyers to secure a foothold on the property ladder, but, while  lending criteria  are slowly easing, the chances of   getting  an afforda</description> 
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	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Rising inflation piles pressure on our savings</title>
	<link>http://business.scotsman.com/business/Rising-inflation-piles-pressure-on.5845256.jp</link> 
	<description>THE struggle to secure real returns from savings has intensified this week after it was revealed that inflation rose in October. </description> 
	<guid>http://business.scotsman.com/business/Rising-inflation-piles-pressure-on.5845256.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Top ten: Start planning early to ensure your old age does not become  age of worry</title>
	<link>http://business.scotsman.com/business/Top-ten-Start-planning-early.5845267.jp</link> 
	<description>EACH week The Scotsman  gives you a top ten guide to pertinent financial issues. Planning for your a relative's old age is an emotive and complex subject, but acting early</description> 
	<guid>http://business.scotsman.com/business/Top-ten-Start-planning-early.5845267.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Tery Murden: Signs good for Legal and General if it can just nab Stewart</title>
	<link>http://business.scotsman.com/business/Tery-Murden-Signs-good-for.5845513.jp</link> 
	<description>WHEN he announced that he was stepping down from National Australia Bank, John Stewart said he was open-minded about any new job offers. That was precisely a year ago and it l</description> 
	<guid>http://business.scotsman.com/business/Tery-Murden-Signs-good-for.5845513.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Challenges remain to cut mountain of debt down to size</title>
	<link>http://business.scotsman.com/business/Challenges-remain-to-cut-mountain.5845266.jp</link> 
	<description>THERE was a time last year when the personal insolvency notices in the Edinburgh Gazette started to resemble a telephone directory,  rather than the slim volume of normal time</description> 
	<guid>http://business.scotsman.com/business/Challenges-remain-to-cut-mountain.5845266.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title> McKerracher takes a step up at bank</title>
	<link>http://business.scotsman.com/business/-McKerracher-takes-a-step.5845515.jp</link> 
	<description>CLYDESDALE Bank has a new man to front its 16-strong Scottish network of &quot;financial solutions centres&quot;.</description> 
	<guid>http://business.scotsman.com/business/-McKerracher-takes-a-step.5845515.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Jeff Salway: Comparison sites a boon for consumers but beware the pitfalls</title>
	<link>http://business.scotsman.com/business/Jeff-Salway-Comparison-sites-a.5845254.jp</link> 
	<description>THE emergence of product comparison websites has been one of the big pro-consumer developments of the past decade.
</description> 
	<guid>http://business.scotsman.com/business/Jeff-Salway-Comparison-sites-a.5845254.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Long-term investors can ride out the stock market's darkest times</title>
	<link>http://business.scotsman.com/business/Longterm-investors-can-ride-out.5845269.jp</link> 
	<description>OVERLOADING investment portfolios with perceived low-risk equities such as British banks is a dangerous ploy as    Ken Taylor  pointed out in last week's Closing Bell.
</description> 
	<guid>http://business.scotsman.com/business/Longterm-investors-can-ride-out.5845269.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Forecast bad for holiday firms</title>
	<link>http://business.scotsman.com/business/Forecast-bad-for-holiday-firms.5845503.jp</link> 
	<description>LONDON FTSE 100 CLOSE   5,251.4  -16.3</description> 
	<guid>http://business.scotsman.com/business/Forecast-bad-for-holiday-firms.5845503.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Cash clinic: Foreign citizenship no bar to setting up a trust for grandson</title>
	<link>http://business.scotsman.com/business/Cash-clinic-Foreign-citizenship-no.5845258.jp</link> 
	<description>Q WE HAVE a one-year-old grandson who lives in the United States and is likely to remain there, as he is now an American citizen. But we would like to save  money for him over</description> 
	<guid>http://business.scotsman.com/business/Cash-clinic-Foreign-citizenship-no.5845258.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Review wills carefully to avoid paying tax beyond the grave</title>
	<link>http://business.scotsman.com/business/Review-wills-carefully-to-avoid.5845264.jp</link> 
	<description>AS A nation we are now one of the most heavily taxed in Europe. We will shortly pay 50 per cent tax on any income in excess of &#163;150,000 plus allowances, a further 40 per cent </description> 
	<guid>http://business.scotsman.com/business/Review-wills-carefully-to-avoid.5845264.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Struggling markets make predictions hard for future investment</title>
	<link>http://business.scotsman.com/business/Struggling-markets-make-predictions-hard.5845257.jp</link> 
	<description>LAST month, the Investment Club's paper and pencil analysis (Papa) was looking for a resolution of the current financial market trends, up or down.</description> 
	<guid>http://business.scotsman.com/business/Struggling-markets-make-predictions-hard.5845257.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>National insurance tipped to rise in Darling tax clawback</title>
	<link>http://business.scotsman.com/business/National-insurance-tipped-to-rise.5845259.jp</link> 
	<description>CHANCELLOR Alistair Darling is set to target national insurance and inheritance tax  in next month's Pre-Budget Report  as he looks to plug gaping holes in the public purs</description> 
	<guid>http://business.scotsman.com/business/National-insurance-tipped-to-rise.5845259.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Pressure on tenant farmers to pay 'unjustified' rent rises</title>
	<link>http://business.scotsman.com/business/Pressure-on-tenant-farmers-to.5845705.jp</link> 
	<description>NEXT Saturday marks the traditional term time when the rents of farm tenancies come up for review. Pre-empting this negotiation, the Scottish Tenant Farmers Association has co</description> 
	<guid>http://business.scotsman.com/business/Pressure-on-tenant-farmers-to.5845705.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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<item>
	<title>Nationwide profits  plunge by 63%  </title>
	<link>http://business.scotsman.com/business/Nationwide-profits--plunge-by.5845516.jp</link> 
	<description>NATIONWIDE Building Society has suffered a sharp fall in first-half profits as it felt the squeeze from low interest rates and the &quot;dramatic fall&quot; in commercial proper</description> 
	<guid>http://business.scotsman.com/business/Nationwide-profits--plunge-by.5845516.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Pensioners kept waiting for tax refunds</title>
	<link>http://business.scotsman.com/business/Pensioners-kept-waiting-for-tax.5845255.jp</link> 
	<description>HUNDREDS of pensioners are still waiting for refunds from HM Revenue &amp; Customs (HMRC) months after applying to reclaim overpaid tax. </description> 
	<guid>http://business.scotsman.com/business/Pensioners-kept-waiting-for-tax.5845255.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Approval expected for data storage centre plan</title>
	<link>http://business.scotsman.com/business/Approval-expected-for-data-storage.5845514.jp</link> 
	<description>AN AMBITIOUS plan to build the world's biggest data storage centre and clean-energy village near Lockerbie is expected to be approved next week, paving the way for work to</description> 
	<guid>http://business.scotsman.com/business/Approval-expected-for-data-storage.5845514.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Secure bright future</title>
	<link>http://business.scotsman.com/business/Secure-bright-future.5845508.jp</link> 
	<description>Mortice

53.5p unchanged

Scotsman says  BUY</description> 
	<guid>http://business.scotsman.com/business/Secure-bright-future.5845508.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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	<title>First Quench to axe 1,900 more  jobs as 381 stores close</title>
	<link>http://business.scotsman.com/business/First-Quench-to-axe-1900.5845512.jp</link> 
	<description>A FURTHER 381 stores are to close at the  troubled off-licence group First Quench, owner of the Threshers chain, triggering more than 1,900 job losses.</description> 
	<guid>http://business.scotsman.com/business/First-Quench-to-axe-1900.5845512.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Tesco to build new bank on customer base</title>
	<link>http://business.scotsman.com/business/Tesco-to-build-new-bank.5845509.jp</link> 
	<description>TESCO, Britain's biggest retailer, will initially focus on its most loyal shoppers as it seeks to build its new banking business.
</description> 
	<guid>http://business.scotsman.com/business/Tesco-to-build-new-bank.5845509.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Fewer workers quitting pension schemes</title>
	<link>http://business.scotsman.com/business/Fewer-workers-quitting-pension-schemes.5845263.jp</link> 
	<description>THE number of workers leaving pension schemes has fallen to the lowest level for a year.
</description> 
	<guid>http://business.scotsman.com/business/Fewer-workers-quitting-pension-schemes.5845263.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Half a million will be just fine, say Scots</title>
	<link>http://business.scotsman.com/business/Half-a-million-will-be.5845265.jp</link> 
	<description>THE average Scot would be &quot;content&quot; with  savings of over &#163;500,000, a new survey  shows.
</description> 
	<guid>http://business.scotsman.com/business/Half-a-million-will-be.5845265.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>First Milk reduces stake in Wiseman</title>
	<link>http://business.scotsman.com/business/First-Milk-reduces-stake-in.5845504.jp</link> 
	<description>FIRST Milk sold almost 4.2 million shares in Robert Wiseman Dairies yesterday, more than a third of its stake.
</description> 
	<guid>http://business.scotsman.com/business/First-Milk-reduces-stake-in.5845504.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Oracle given time on competition worries</title>
	<link>http://business.scotsman.com/business/Oracle-given-time-on-competition.5845510.jp</link> 
	<description>ORACLE has been given more time by EU regulators to tackle concerns that its $7 billion (&#163;4.3bn) acquisition of Sun Microsystems may be anti-competitive.</description> 
	<guid>http://business.scotsman.com/business/Oracle-given-time-on-competition.5845510.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Energy costs lower inflation for over-75s</title>
	<link>http://business.scotsman.com/business/Energy-costs-lower-inflation-for.5845253.jp</link> 
	<description>OVER-75s face a lower inflation level than younger age groups for the first time in nearly two years, according to the Alliance Trust Research Centre.</description> 
	<guid>http://business.scotsman.com/business/Energy-costs-lower-inflation-for.5845253.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
</item>
<item>
	<title>Social housing firm is sold for &#163;38.5m</title>
	<link>http://business.scotsman.com/business/Social-housing-firm-is-sold.5845506.jp</link> 
	<description>LLOYDS Banking Group and private equity firm Alchemy have sold their social housing construction firm Environmental Property Services to facilities management group Mitie.
</description> 
	<guid>http://business.scotsman.com/business/Social-housing-firm-is-sold.5845506.jp</guid> 
	<pubDate>Sat, 21 Nov 2009 00:00:00 GMT</pubDate>
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