I ONLY lost it once on 9/11. It was some time after the third plane hit the Pentagon that early September morning.

AS THE history of the 2014 independence referendum is written, it may come to be seen as a turning point for financial services in Scotland.

IN DENYING the Scots the option of devo-max on the ballot paper today, David Cameron made arguably the most monumental mistake of any recent premiership. And whatever the result of the referendum, that mistake cannot be undone.

You may see having a "personal brand" as a self-congratulating ego-fuelled idea used only by D-list celebrities and wannabes. However a strong brand can help you get ahead in today's competitive jobs market.
At London Fashion Week, the merging of fashion and tech has been more palpable than ever before and, with top fashion designers now embracing the trend, wearable technology looks set to finally achieve mainstream success.

David Cameron probably feels a bit like Noah at the moment, preparing for a great flood to come barrelling towards his ark, hoping the seals hold and praying there aren’t any leaks.

With the hype over the ice bucket challenge seemingly cooling, we can analyse how successful the campaign has been in raising awareness of one of the charities concerned.

Chris Williamson, chief economist at Markit, says Yes.

Quite possibly.

The case for rates to stay low for longer is being aided by several factors.

WITH the polls in chaos, and the likely result far from certain, it’s understandable that rival groups of influential Scots continue to argue the business case for and against independence.

AFTER months of Trappist silence, a plethora of large companies has pronounced on the adverse consequences for Scotland of a Yes vote tomorrow. The sectors span the economy – from oil to banks, from supermarkets to phone companies.

WHY DO we invest public funds in arts and culture? Undoubtedly because they are part of our national conversation, and enhance our quality of life.

THE CONTROVERSY over the monetary and currency arrangements of an independent Scotland has dominated the referendum campaign, after Alex Salmond’s initial desire for a formal currency union with the rest of the UK was ruled out by all the other ma

WITH low productivity, high inflation and terrible industrial relations, in 1977, Britain was a basket case. So that year, businessman John Hoskyns decided to dedicate substantial effort to analysing the UK’s economic problems.

You could be forgiven for thinking that London’s trams might be an unlikely place to find cutting edge technology.

Ewen Stewart, a director of Walbrook Economics and author of Much Cost, Little Benefit for the Scottish Research Society, says Yes.

The way we handle uncertainty determines our future. Many of mankind’s self-created problems, from financial crises to environmental devastation, arise from poor analysis of future risks and rewards.

This week will see the most crucial poll in the United Kingdom for centuries – a poll on whether the UK will stay as it is or Scotland will choose to leave the Union.

I am a great fan of crowdfunding – it really is a cheap way of using modern technology to enable investors, including very small ones, to invest in all manner of things. So what can go wrong?

Alex Singleton is associate director of The Whitehouse Consultancy and author of The PR Masterclass, says Yes.

As someone who was born in Scotland, and occasionally wears the Duncan kilt with pride (in the correct fashion if you had to know), I have more than a passing interest in the forthcoming vote.

Job hunting without social media is becoming is no longer an option for two reasons. First of all, a huge percentage of jobs are not advertised and are filled by people who know people.

So you've had a row with your other half, and the next day, with the ensuing awkwardness still lingering, your eyes drift towards the posh chocolates in Waitrose.

We, the people, are the boss, and we will get the kind of political leadership, be it good or bad, that we demand and deserve.” – John F Kennedy, Profiles in Courage

You're back from the summer, but for how long? In case you missed it, one tech visionary thinks many City jobs could be automated within a decade.

After months of campaigning, the waiting is nearly over. It is hard to understate the level of emotion that is being felt throughout the United Kingdom, but particularly in Scotland, about the referendum.

Pompeu Casanovas, professor of political science at the Autonomous University of Barcelona, says Yes.

THE APPLE Watch is just the latest exciting development in wearable technology. But the prospect of consumers interacting with Siri on their smartwatches also hints at another impending revolution in how we access digitised knowledge.

WHATEVER the outcome of next week’s referendum on Scottish independence, of one thing we can be sure: the constitutional settlement that had helped make the Union such a success for 300 years will be tainted.

IN RECENT years, a misplaced and damaging idea – that expanding the UK’s airport capacity is environmentally unsustainable – has permeated the public consciousness.

Trevor Birch, a partner at BDO and former chief executive of Chelsea Football Club, says Yes.

The club is a commercial phenomenon in footballing terms.

Manchester United FC is a commercial phenomenon in footballing terms. It has just reported annual revenues of £430m and increased commercial revenues by £135m since 2007 - a staggering achievement.

Losing your job is hard. Picking yourself up is tougher. You may have been fired or been made redundant, but getting back into the job market with the right mind frame is essential.

Apple is truly a creature of habit. You could almost set a watch (no pun intended) to the regular tick tock of its annual product cycles.

NEWS that Network Rail will be answerable to parliament – having its status changed so that it counts as part of the private sector – has caused a stir among MPs, executives and the public more generally.

So the window has slammed shut on the latest football transfer extravaganza. Well perhaps not so much slamming, more flapping shut with the deals that seemed to conclude after the deadline had passed.  
Contrary to the views expressed by Ryan Bourne of the IEA, Labour’s reforms to the private rented sector are designed to addr

EXECUTIVE pay is a high-profile topic which almost everyone has an opinion about, and many believe the entire system is broken.

THE EUROZONE lurches into yet another crisis, with fears of deflation and a further drop in output. There are several dominant explanations as to why Europe has been unable to recover from the crisis.

FINANCIAL markets seem to be doing a better job of making the case against Scottish independence than our politicians.

Howard Archer, chief European and UK economist at IHS Global Insight, says Yes.