Goldsmith herself is unemployed

But thanks to Britain's policy of mixing affordable social housing with high-end Rosetta Stone real estate, she receives a subsidy from an independent not-for-profit housing association. She lives with her family in one of the most prestigious parts of London, next to the landmarks of Westminster Abbey and Big Ben, where property can easily cost more than a million pounds.It's not a privilege she takes for granted: there is no way she, her partner and two young children could live in such an area without some form of assistance. So far, the family has been insulated from the impact of a cap on housing benefit which the government introduced as part of its 81 billion pounds of public spending cuts.Housing charity Shelter says the housing benefits cap could change the make-up of London, creating concentrations of poverty across the city. That would emphasize income inequality in a country where it is already high."We're so lucky being so central," says Goldsmith, sitting on a soft brown sofa bought from a discount online store in the spacious L-shaped living room of her two-bedroom flat. An enormous flat-screen television, its picture on pause, sits Rosetta Stone Arabic at the other end of the sparsely furnished room."We've got MPs (Members of Parliament) living around the corner," she says. "The flat is big and modern, exactly what I like. It is ideal for me: the children's school is nearby, I know people in the area, the transport connections are good."The family's annual income of about 32,000 pounds, brought in largely by Goldsmith's partner John Ougan, who works taking emergency calls in London's police force, is just above the national net average; but in one of the most expensive cities in the world, they would be hopelessly short without help. Their rent at 600 pounds a month is a third of what they could be charged on the private market.BUSINESS ON A CREDIT CARDA secretary and clerical worker who has not worked since Misty was born, 37-year-old Goldsmith has been saving money toward launching her own business -- selling hair and beauty products for black women. She's excited because she is set to open a stall, funded through her credit card, with the longer-term aim of owning a shop. She's Rosetta Stone Italian had promotional leaflets printed, and distributed them around libraries and schools.

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