thing we are up against as I have Well come to Working Lunch.

The Government wants households to be paid for the green energy they produce.

From April, homes with solar panels for a wind turbine could earn up to \xC2\xA3900 a year.

How long will it take for making your own energy to making money?

We have some answers.

You can buy company bonds have direct from the Stock Exchange.

We look into how you can do it.

We are made up with a guest of the day, she is make-up artist to the stars and runs her own business.

Do lipstick sales go up in a recession like we are told?

I think so it is only buying something small, it boosts the you and makes him feel good.

More from Ruby later.

As the American food company, Kraft wasted here if its bid for Cadbury has been accepted, we take a look how the merger can change Cadbury's business.

You can save money on your electricity bill if you make your own energy, perhaps with a mini windmill, a solar panel or one of those he'd source.

But there is more to it than just saving money and your bills.

The Government wants you to be paid for generating and using your own electricity.

Mary is a green energy pioneer, from her kitchen.

She can see how much electricity is produced from the solar panels on her roof.

She bought them two years ago for environmental, not financial reasons.

But today, Mary found out she will make 41p for every unit of energy these panels produce, burning her around \xC2\xA3400 the year.

It will make a huge difference financially.

First, it will be great for us personally, but it will help stimulate this market and get it going.

If everyone in London had these panels, it would make a huge difference, the amount of energy reproduce.

It is all about trying to boost the take-up of renewable energy in Britain.

From April, if you install something like this, or a wing turbine system, you will get paid for the amount of electricity you produce, even if you use it yourself.

They are calling it a clean energy cashback.

Householders will seek a return on their investments up to 25 years.

It won't always be sunny like this, so how financially attractive will the scheme be?

About and 9% return, which is pretty good.

The pitfalls, the Government has got to watch out to make sure the administration of the system is simple and does not cost huge amounts through complexities that are necessary.

Charles did this installation for him and the industry and says this scheme is long overdue.

We have been busy on the basis that this has been coming, but it is the incentive that is needed in this industry in order to get people in general, private dwellings to put them on their roots.

Only a fraction of us have opted for green electricity generation so far.

The Government is hoping her tax free, guaranteed income will be enough to tempt us to make the switch.

Gainer is a director of policy at the renewable associations.

It is not the Government that it will directly pay customers, it will come through the utility companies?

If you are a green electricity producer, you get paid by your electricity companies.

But they will be putting up bills to a small degree to the orc -- all of their electricity consumers.

How long will it be before we start to seek returns on our investments if we put solar panels in?

They are very expensive.

You will notice the benefits in returns of reduced electricity bills, pretty much immediately.

Then you'll get a cheque through the post from what you have been generating.

What are the returns?

Five to 8% return is expected, which isn't too bad at the moment.

They're very expensive to install, particularly solar panels.

We have an e-mail from a viewer, a bomb.

She has looked at the cost of installing solar panels and she estimates it will take 10 years to get the cost back.

You are talking about the number of years it takes to payback?

You don't know what electricity prices will do.

In terms of the benefit you receive, you will get a payments for a panel, for 25 years, index-linked, a benefit of around \xC2\xA3900 a year for 25 years.

This lady says she thinks it is quite low and is too good to be true?

Like I say, she thinks it's not necessarily the best way to look at it, payback periods.

is if you have to put the money up front.

If it cost so much to put solar panels up, or a mini wind turbine, and I have to pay that out of my savings, it is a reasonable calculation?

If you have the savings to enable you to buy the installation, you would have it in a building society, not getting a terribly attractive rate of return at the moment, or you could put it into green investments.

What is the easiest way for the utility companies to know you have put this equipment in, if you decide to do it?

How did they know for to give you the benefits?

You're asking what a householder would do to go about enjoying a tariff like this?

They decide what energy technologies they want, the most appropriate thing for their house.

Most cases would be a solar panel, for which you would need a southerly facing roof.

It may be wind is appropriate for certain household.

If it is an environment where there is a lot of wins, no obstructions, on top of a hill on the coast.

But Windsor might not be the most appropriate technologies.

He then looked at the website set to get the list of accredited installers.

A list of products that have been tested and approved.

Then you get the product installed and you inform your electricity supply company.

You should pretty much expect it straight away?

As soon as it is installed you get the benefits of reduced bills, and then at the end of six months or a year, the cheque will come through.

quick word from Ruby, is this on your agenda?

The more efficient use of energy?

The intention is there, I live in a mansion block, so I cannot do more than anything but the normal recycling.

My business is still fledgling, my heart is there but we are not there at the moment, I am sorry to say.

Cadbury has until tomorrow to convince its shareholders to accept a takeover offer from the US food giant, Kraft.

If it goes ahead it would create the world's largest sweet maker.

We went to Chicago to take a closer look at the business which wants to add cabarets to its selection box.

Chicago, Illinois, it was here just over 100 years ago that Kraft was born.

But a door-to-door salesman, James Kraft was selling cheese and then later branched out into coffee.

A trip to the supermarket tells you how big they have grown.

All of these are made by Kraft they are all aimed at American consumers.

Which is where Cadbury's chewing gum comes in, it is a big seller around the globe and get Kraft into countries like India and South Africa, emerging markets.

We are visiting a professor at Chicago University who says Kraft are highly unlikely to chop and change at Cadbury, at least at first.

if I was a Cadbury employee, I do not see it as being different.

In the near future, I wouldn't be concerned at all.

Others are less optimistic, Kraft piggish shareholder thinks it is a bad deal and another member of his family think tough times lie ahead for cabaret.

The -- biggest.

People are fearful for their jobs.

There are likely to be cost cuts and that is when people do lose their jobs.

I hope we don't lose that part of Cadbury, which makes it so great.

There is a little bit of that, nostalgia and the kind of feeling like it is made by friends.

To some degree, a windy city is blowing a wind of change all the way to Bournville.

Viewers in the West Midlands can see more on that takeover, on Inside Out on BBC One at 7:30pm this evening.

Other viewers can see it later on on the BBC MP3.

Fenebahce iPlayer.

Ruby, you have brought her make-up, a US company you decided to introduce into the UK?

It wasn't so much about it being an American company, it was more about a The Mole world was looking for something that was good to the planet, good for your body.

This was quite normal in the United States?

It was still unique, and the more unique the brand is, the easier it is to transfer it to other markets.

The rest of the world is waiting, wanting to get hold of it.

You're working in a UK company before, how different was it working in an American company?

You have to think global and at local.

Other than the service, they were very service orientated and bend over backwards.

We had to get the staff and training people to give that deeper and wider service, which was quite hard to get everybody into that ethos.

He also, they had a hand cream that all was amazing, but they would call it hand relief.

We would have to say no, if we are doing something, we would have to change things like that.

It is not a big thing to say, it is American.

Thanks for bringing up that term, hand relief on the lunchtime programme!

And Ryanair says it will make more money than expected.

It has been held by a fall in the cost of seals.

That Bill has dropped by nearly 40 % and cut of their winter losses from the early \xC2\xA390 million a year ago, to just under \xC2\xA310 million this time around.

Ryanair says it had 16 million passengers between October and December.

More cars are being called back in for safety checks, this time it is Peugeot and Citroen.

Peugeot one 07 and Citroen C one are being record across Europe.

Toyota called thousands of cars parked in the UK alone.

They are checking if the floor mats are causing the accelerator to stick.

Honda are calling back the jazz model in the UK because of the problems with the electronics that control windows.

Jobcentres are marking their 100 birthday today.

The first 62 Labour exchanges were opened on this day in 1910.

The pictures we are showing you are from a more recent vintage, but the first ones were provided by Lloyd-George, the Chancellor of the Exchequer.

Winston Churchill was President of the Board of Trade, and their task was to bring people together looking for work and employers looking for workers.

One of the first jobs advertised on that day were vacancies for a piano regulator and picture framer.

What do you do with your batteries when they run out?

Only 3% of the batteries are recycled and under European law it has to reach 10 % by the end of the year.

But one of the big manufacturers warns we may not be ready.

Retailers and consumers are not a word they need to recycle more.

Shops say they are ready, but the local councils need to collect more batteries from homes.

This will add \xC2\xA33 million to the cost of battery production each year.

There is speculation that the Ontario Teachers' Pension Plan is speculating making a bid for Northumbrian Water.

That has boosted companies like Northumbrian boosted companies like Northumbrian Water.

Severn Trent and United Utilities are moving higher as well.

Most of the home builders are moving higher.

Data bank has advised clients that the sector as a whole will rise 35 % this year -- All these companies are doing well The mining stock is not doing as The mining stock is not doing as well as it has recently.

From today, viewers could be interested in the price of companies' debt.

That is because the London Stock Exchange is launching a new market for corporate bonds, which will offer much higher interest rates and often higher than savings accounts.

Ben Shore is on the case, what exactly is happening?

Because of the low rates for savers that most viewers will be getting, the LSE has tried to move into the market, using corporate IOUs, corporate debts, they are chopping them up into small segments.

Normally the corporate bond issue is massive, \xC2\xA350,000 denominations.

But by chopping them up into \xC2\xA31,000 denominations, and for government debt down to \xC2\xA31 denominations, we will be able to take part, buy these bits of debt.

It is from big companies we have heard of like tasks -- attacks at -- Tesco and GlaxoSmithKline.

The rate of return is significantly higher than the average savings rate.

In a savings account you are looking at around 3%.

If you go for the BT ten-year bond, you would get…

Ladywood put in around \xC2\xA31,000 and expects to get \xC2\xA386 each sheer interest back, 8.

6 %.

-- each year.

After 10 years you would get you \xC2\xA31,000 back.

That would work for lots of people.

need to hold this for 10 years?

get your money back you need to all done to bid for 10 years, you will keep getting \xC2\xA386 interest, or Cup and, as we call it, every year.

-- or coupon.

You can trade these pieces of debt, you can go on to the market and sell them.

If interest rates are low, this kind of debt, 8.

6 %, looks really attractive.

Your \xC2\xA31,000 could be worth \xC2\xA31,100 or what \xC2\xA31,200.

But if interest rates go up and people get better savings rates from banks, the cost of the debt will go down, the value will go down.

There is a risk.

Because you can get rid of it, there is a risk.

If you are looking at 8.

6 % compared to savings rates, there must be some risk?

Because companies go bust, that is the rescue are taking.

A few buy a corporate debt you have to be certain that you rely on this company to survive for the period you have given them -- if you buy.

If you will hope that BT lasts for 10 years.

How do we buy them?

the London Stock Exchange website for information.

I think the viewers will be seeing the address strip -- the address scrawl across their screen, it will certainly be on the Working Lunch website.

They had not finalised the list of participating stockbrokers when I spoke to them today, but you get in touch with your stockbroker and they would make the purchase for you, you don't go direct through them.

Thank you.

If you have any questions on savings are investments, we have an expert in on Friday.

Christine Ross We will put the web address that Ben Shore was speaking about on our website later.

Checking your tweets, a new one not terribly impressed with the idea of solar panels.

Time to brush up on a few facts about our guest of the day, Ruby Hammer, one of the world's best their make-up artists.

She also has a firm foundation in business.

For more than a decade she has sold an exclusive range of make-up products through Boots.

The range has over 350 make-up items, from eyeshadow, lipstick to a brushes.

She was the sole UK distributor for Aveda and an adviser to big beauty brands like Estee Lauder, Clarins, Clinique and Revlon.

A person she would most like to make up but has not had the chance yet his former Prime Minister Baroness Thatcher.

I think you would do a better job than that look!

We need some gloss and glamour on this sofa, so please join us.

The thing about Baroness Thatcher is that she was always turned out immaculately.

Is it a professional challenge or do you see her as a champion of entrepreneurship?

mixture of both, probably.

She was so immaculately groomed.

I would love to see if I could have softened hair a bit, kept the edges crisp and sharp but see if we could have put a little bit of warmth and feminism -- and femininity.

But she was always strong and cameras.

Sadly, I don't know if she would ever require my services now but I am still willing.

At the Arthur is there!

Let's talk about you.

-- the offer is still there!

You do Ruby and Millie with your partner Ruby Kendall -- Millie Kendall, but there is more to your business than that.

There is more focus in Hammer Kendall today.

We have always done all sorts of things parallel.

I have done things as a make-up artist and people think of you as you are creative, you are not very good with the other part.

Sometimes they do that to Millie, they think, she takes care of business, does she?

We take care of business together, we do everything together.

How did you learn about that?

Your initial base comes from being a make-up artist and making people feel and look wonderful, it is a big learning curve?

I studied economics at University, that might have helped.

But about being an entrepreneur, you can't learn it, you have to take care of business, but naturally we saw how this thing could grow.

It is one thing having a love of lipstick or that particular shade, but it is another to bring it to the market place and try to grow that business, but we both had that innately, I don't know how that is.

That is probably why we are a good team together, we helped each other take it on to a more commercial front.

That shocks people because they just think, oh, they will have to hold your hand.

But we have got our commercial heads screwed on.

The jury is out and how used for a degree in economics is for anything.

Speaking of Economics, we mentioned briefly the recession and how that it changes people's spending pattern.

You said something we have heard from other guests we have had over the past months, sometimes people are still looking for something to make them feel good, but which is relatively inexpensive.

Your brand is, correct me if I'm wrong, close to the high around?

It is main market, isn't it?

It is a mass brand in a mass market, but when we pitched its it was that the packaging looked good, it could hold its own in a higher market, but by being in a Boots it was widely accessible, you would not be embarrassed about getting it out, it was not like a three pound lipstick.

Our lipsticks are about \xC2\xA310, they are not at the dirt cheap end but they are not at the really, really high end, they don't cost \xC2\xA328.

How have you found people are changing the price of things they want to buy?

Are people trading up, thinking it I am going to buy lipstick I want to buy something more expensive, or are people who would usually spend \xC2\xA330 trading down to your brand?

I think a bit of both.

One is that lipstick in general is cheaper than buying a dress or pair of shoes or a computer gadget Porrit television or anything like that, so they will just go and buy of, even at the high end it is cheaper than buying a \xC2\xA3300 outfit.

But at the other around, where people are thinking I can't Spencer to a fortune on a lipstick, let me see what else is out there.

-- I can't spend such a fortune on a lipstick.

But if they are allergic to some ingredients or it is not such good quality, at least this one holds our Rome, people will think it is like their Chanel or their Yves Saint Laurent, it does not look cheap and nasty.

Thank you very much for joining us.

It is Monday, time to stop the week with some money-saving tips.

-- Start the Week.

As you will have gathered, you spend a small fortune on make-up every year, that is just the man!

According to InStyle magazine, the contents of the average make-up bag cost around \xC2\xA357.

You can pay anything from just under \xC2\xA32 to \xC2\xA320 grey mascara.

If you want that healthy glow on your cheeks, that will come at a price, with some blushers costing up to \xC2\xA335.

If you really want to feel special, how about wearing a nail varnish containing real platinum?

That is available in the United States for a mere snip at around $250 a bottle.

That is a snip?

! With such a range of prizes and variety of products, they must be scope for saving money?

Eilidh MacAskill is editor of InStyle magazine.

To save money, what should you be looking at?

should be looking for items that multi- task, for instance lipsticks have a good consistency that you could use on your cheeks, if you have a great body or face moisturiser, use it on your hands, your neck.

It could be the way that you apply product, that is a good way to save money.

If you have a cheaper powder eyeshadow, use water to apply at some times to give you a different texture.

If you have a foundation that you get a bit more pale after the summer and you don't want to throw it out, add some moisturiser to tone it down.

There are so many brands and so many well-known brands.

Ruby mentioned a few and has heroin and Boots.

How do you choose?

Also in Boots or Superdrug QC own-brands, as well as the high end.

How do you know what his policy -- what is quality?

This month we have the 100 best beauty buy is.

That is where we asked 200 industry experts across the spectrum of hair, skin care, nails, make-up, to basically boat.

I had no control, they voted for their top products.

I did a little count last night, 61 of the products in the \xC2\xA3120 and under.

20 % of them are under a tenner.

If you do your research, read magazines, there is a plethora of beauty blogs out there.

You would say read magazines!

But do your work on the websites.

There is a whole lot of bands who have made a great name by producing good quality products at not too much money.

Ruby and many would be one, she won an award from us.

-- Ruby and Mini.

There is Max factor, Barry M, they do fantastic blusher for \xC2\xA34.

50.

When you are talking about very cheap make-up, be careful about the brands.

last?

! Can you possibly need all that stuff?

That is a good point.

If you rush out the house in five minutes, don't buy products that need a big regime, it can be scary.

Moisturiser, serum, eye cream, go for something click.

Find you very much.

-- go for something quick.

We have had an e-mail from James, he asks why we never ask about the carbon emissions created by the manufacturing of solar panels and installing them?

He says only when this is paid back will there be true savings of carbon emissions.

Point noted, we will ask that when we come back to this topic.

Tomorrow we have a whole new day and a whole new programme.

It is