From mobile apps to black boxes, if you're a safe driver you could save money on your car insurance by recording your driving.
Make or break moment for employers

Almost two thirds of employers could be looking to cut back on staff if the economy does not improve, a study shows
Employers are facing a "make or break" moment, with many firms fearing job losses if the economy does not improve in the next year, according to a report.
A survey of 1,000 employers by the Chartered Institute of Personnel and Development (CIPD) showed that a third had kept on more staff than they needed so they could maintain their skills base.
Almost two out of three said they would have to cut back on jobs if economic growth did not pick up in the coming 12 months.
Unemployment has been falling in recent months, but the CIPD said its study showed that the jobs market could change.
Gerwyn Davies of the CIPD said: "Recent falls in unemployment suggest that the labour market is on a sound footing, but a closer examination reveals that many employers are holding on to more staff than is required by the current level of demand in order to retain their skills.
"This is a make or break moment for employers - unless growth picks up many will find that they cannot hold on to some workers any longer. The tenacity with which employers are hanging on to skilled labour is a reflection of the high value they place on it and the damage they fear will be done to their businesses if they are forced to start making more redundancies.
"The spare capacity implied by the research suggests that firms are ready to increase their output quickly if demand grows, but there is only so long they can hold out for growth.
"The labour market is approaching a game-changing phase - one that could shape Britain's capacity to compete for a generation."
The report, published ahead of new unemployment figures on Wednesday, also showed that public sector organisations were predicting average pay rises of 0.2%, compared with 2.5% in private firms.
related stories on msn
more on msn money


House prices peaked in December 2007, then collapsed. We’ve taken a look at which towns bounced back and which fell even further…
![A selection of The weirdest-looking properties for sale in the UK [Image © Zoopla Savills] A selection of The weirdest-looking properties for sale in the UK [Image © Zoopla Savills]](http://db2.stb.s-msn.com/i/80/DC5BA8B3DE4764BB72C6DEED6AC0_h85_w116_m4.jpg)
Have a nose around some of the most weird and wonderful houses currently available on the UK market

Interest rates on fixed rate mortgages have, once again, hit all-time lows. We round up the best of the new deals.

Former home of heir to Campbell's goes on sale in Philadelphia, USA for over $24 million

The new Capital One Aspire World card offers cashback up to 1.25% and no fee for overseas spending.

Multi Million pound yacht is "one of the world's most amazing"

More misery for hundreds of thousands of savers hit as NS&I slashes rates on popular savings products

As a house goes ‘on sale’ for free, it’s clear our property market has lost its senses.

Thinktank says employees have sacrificed pay to keep their jobs during the 'longest and deepest' slump in a century

A selection of some of the most weird and wonderful homes available on the UK market at the moment.

Tesco has shaken up the credit card market with a fee-free 0% card, but is it the best option for everyone?



