which you can easily assemble into a real wallchart with some scissors, glue and a lot of patience.

With the year drawing to a close, it's time to look out our traditional roundup of the best, worst and ugliest mobile phones of the year.

Shop owners exasperated by a surge in shoplifting are resorting to hiring private firms to pursue offenders and demand payments

Thousands of holidaymakers had their Christmas plans thrown into disarray yesterday after another travel firm, Allbury Travel Group, entered administration

Millions of pounds of income tax rebates are being unlawfully withheld by Revenue & Customs, it is claimed

A New Year offensive is being planned against fraud committed or aided by middle-class professionals

A fall in living standards is expected to be highlighted this week despite figures showing the economy shrank by less during the third quarter than previously thought

Richard Hornbrook, former boss of Chelsea Building Society, says he takes full blame for the mutual's troubles

Consultants, contractors and skilled trades businesses are being advised they have until noon on Friday 22 January next year to submit an application to The Highland Council to be included on frameworks for construction work up to a value of

Scrapping cheques could kill off even more bank branches and post offices, it is feared

The collapse last week of airline and tour operator Flyglobespan has left tens of thousands of its customers with their Christmas holiday plans in disarray

Ian McGarry, former City head of valuations at Dunlop Haywards, has been charged with offences in connection with commercial property mortgage frauds

Post Offices and the services they offer have been 'degraded' to the point where the whole network could 'go the way of Woolworths'

Retail investment management is a lucrative industry to be involved in - unless you are a buyer of its expensive products

Landlords and tenants who rely on independent deposit schemes fear the process is being undermined because of cost-cutting measures

Financial Mail's investigator Tony Hetherington looks into disconcerting letter suggesting a couple's wills need re-writing and a Barclays blunder

Companies have always juggled the most effective ways of raising money, but some people are starting to question the wisdom of State-subsidised debt

However long you take off work, Britain's low productivity really is not your fault

EMI has seen its share of album sales drop for the second successive year, fuelling fears that the it will fail to meet financial targets set by its bank

Union officials at British Airways will take weeks to organise a new strike vote, threatening the carrier and its passengers with more uncertainty