Archive for the 'Home insurance' Category

Sport - Wilkie ready to depart Dens

Tuesday, November 13th, 2007

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Dundee defender Lee Wilkie is prepared to save his team-mates’ jobs by waving goodbye to Dens Park.

Fifteen players were instantly laid off last week after the club went into administration with debts of 20m and those who remain face the prospect of being sold to the highest bidder.

Scotland international midfielder Gavin Rae and pacy Spanish striker Nacho Novo are coveted by other clubs, but their contracts expire at the end of the season, limiting their market value.

Wilkie has an extra year on his contract and that makes the Scotland international the club’s most saleable asset.

“They need 200,000 in January and the likes of Gavin Rae, who is out of contract anyway in the summer, might be the first to go,” he said.



I might have to go to save the club for the next few months


Dundee defender Lee Wilkie

“But nobody knows. It all depends on what interest there is.

“I would prefer to stay, but I might be in a situation where I have no choice. I might have to go to save the club for the next few months.

“It could all depend on one move for any player. I could be paying my team-mates’ wages for the next few months if I were to go and I’m sure every player would do it even if they were not 100% committed to the move.

“It could even be a move abroad. But it will be something I will have to think about at the time.

“I spoke to the manager about things like that and he said I just had to on every game. There is no point worrying about it just now.”

Dundee manager Jim Duffy stressed that money was tight throughout football and that would limit Dundee’s chances of attracting an acceptable offer.

“If no-one is prepared to pay real money then we will go with the squad we have got and look at other ways of either saving or making money,” he said.

Rae available for 250,000

Dundee fought back from a goal behind to draw away to Livingston on Saturday and are hoping for a bumper home gate as they entertain Hearts on Wednesday.

“It is the quarter-finals of the CIS Insurance Cup and it is against Hearts, so a very good match is in prospect,” said Duffy.

“It is the first home game we have had for a few weeks and so we are looking for good support. I’m sure we will get it anyway.

“, it is important, but vocally, for me, it is probably more important.

“We need as much money as we can get, there is no denying that, but we also need the of the players from the fans.

“There is an extra significance to every match now and an extra pressure to every match. That is the way it is now.”

News - Driver accused of police injury

Sunday, November 11th, 2007

A 22 man has appeared in court charged with injuring a by driving dangerously.

Gavin Murphy, from Camlough, County Armagh, appeared at Newry Magistrates’ Court accused of causing grievous bodily injury by dangerous driving.

He was also charged with causing criminal damage to two police cars, driving without insurance and the police.

Mr Murphy was released on bail on condition he does not drink alcohol.

He was also disqualified from driving with immediate effect.

During the short hearing, he spoke only to confirm his and the nature of the charges.

Mr Murphy was released from custody until his trial on condition that he lives at his home address and reports once a week to police in Newry.


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News - IBM buys into Indian outsourcing

Saturday, November 10th, 2007



Computer giant IBM has agreed to buy India’s third largest business outsourcing firm.

The price tag for Daksh, based near Delhi, was not revealed but is thought to be about $150m-200m (80m-110m).

The deal is believed to be the biggest to date in the Indian outsourcing business, one of the country’s most prominent success stories.

IBM already has extensive in India, most of which are also running business services such as call centres.

But the deal will tie the computer firm squarely into the bitter row within the US over whether outsourcing is costing US citizens their jobs.

Net gains?

IBM says it will create about 4,500 net new jobs in the US during 2004, although 3,000 will move overseas to nations.

Still, US investors have accused other companies doing the same thing of destroying white-collar jobs at home.

By adding Daksh’s 6,000 staff to its own 9,000-strong in India, IBM is treading a well-worn path.

Many US firms are taking advantage of India’s pool of well-educated, English-speaking graduates to offer business back-office services such as accounting and insurance claim processing - at pay rates a fraction of those in the US.


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News - Driver accused of causing deaths

Wednesday, November 7th, 2007



A 23 man has been charged with causing the deaths of a woman and two children in a road accident.

Dean Paul Martin was remanded in custody charged with causing death by dangerous driving.

Anne Martin, 39, her daughter Ashley, eight, and five-year-old Ross Sneddon, died after the incident on Sunday in Minto Crescent, Glenrothes, Fife.

Mr Martin was also accused of driving under the of alcohol, while and failing to stop after the crash.

It has been further alleged that Mr Martin - who was not related to the victims - was driving without insurance.



It’s dreadful and my heart goes out to the families involved


Neighbour

The accused, of Carfrae Drive, Glenrothes, Fife, appeared in private at Kirkcaldy Sheriff Court and made no plea, a Crown Office spokeswoman said.

Ross’s mother Michelle, 29 and another child suffered minor injuries in the crash.

The families, who both lived in Minto Crescent, had been home from a dance class when a car mounted the pavement and collided with them.

An elderly neighbour said there was a feeling of “disbelief” among residents at the “dreadful” event.

She added: “Ashley only celebrated her eighth birthday weeks ago and was friends with my great granddaughter.

“It happened at the end of our road. It’s dreadful and my heart goes out to the families involved.”

The dead children were pupils at Primary School.


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Sport - Confederation Cup results

Tuesday, November 6th, 2007
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Enugu Rangers of Nigeria took a lead in their third round Cup tie against Cameroon’s Union Douala with a 3-1 win at home in Sunday’s first-leg.

Okey Odita scored Rangers’ first goal from the spot in the 19th minute but the visitors levelled in the 38th minute through Placide Zolang.

John Nnam and Ugochukwu Okeke settled the game with a goal each in the 55th and 61st minute respectively.

Rangers had to play the last 15 minutes of the game with ten players when goalscorer John Nnam left the pitch injured and the team had already used all their substitutions.

Douala also finished the game with ten men as Iyende Francis was sent off with two minutes left in the game.

The Rangers coach Lawrence Akpokona was satisfied with the outcome of the keenly-contested affair.

“We have a good result here but hope to go a step better in Cameroon,” he said after the game.

Ranger’s compatriots Bendel Insurance were unable to breakdown the defence of visiting Ghanaian side King Faisal Babes as the two sides drew 0-0 on Sunday.

In the other tie played on Sunday Mouloudia Oran of Algeria beat visiting Bamboutos of Cameroon 2-1.

Mouloudia Oran opened the scoring through Cheikh Benzerga in the 23rd minute and then Sofiane Daoud doubled the lead on the stroke of half-time.

Felix Lele grabbed an important away goal for the Cameroonians with a strike just seven minutes from time.

Two other matches that were due to be played on Sunday had to be postponed.

Egyptian side Ismaili failed to make it for their game in Rwanda against APR after they apparently got stuck en route in the Kenyan capital Nairobi.

The match between St Eloi Lupopo of the DR Congo and South African opponents SuperSport United was also delayed, but as yet no dates have been set for either game to be played.

On Saturday in Libya, Al-Ittihad beat FC 105 of Gabon 3-1 in their first-leg tie on Saturday.

The home team opened the scoring in the 52nd minute through striker Ahmed al-Masli, but their lead was cancelled out by Ketevoama Foxi with just ten minutes left.

The Libyans rallied in the dying minutes with al-Masli grabbing his second in the 89th minute and then Nader al-Tarhouni completed the 3-1 win on the stroke of full-time.

In other Confederation Cup games on Saturday, Sudan’s Al-Merreikh defeated Arab Contractors of Egypt 3-1.

Faycal al-Agab provided two goals for the Sudanese while Abdel Hamid al-Saoudi added a third.

Alaa Abdel Ghani got the consolation for the Egyptians.

Elsewhere, the Ivory Coast’s Stella Abidjan could only manage a 1-0 victory over AS Marsa of Tunisa.

The second-leg matches are scheduled for the weekend of 22-24 April with the winners taking on the losers from the Champions League to decide who progresses to the group stages.

News - Designs for a happy life

Friday, November 2nd, 2007

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Toasters, clock-radios, vacuum cleaners - everyday devices, found in everyday homes. So how do manufacturers make us buy more of what we already have? By getting product designers to think harder about how we use things, and designing products for couples, not just individuals.

Toasters, cutlery, a food mixer - such were the staples of traditional wedding present lists. Now, though, two-thirds of couples would rather have cash or gift vouchers, according to recent survey.


The main difference between wedding gifts and other gifts is that they are aimed at you-plural - the joyous couple - rather than at you-singular.


No 42-inch plasma screens and then, it’s all about house-making devices and gadgets that embody the couple. It’s the toaster that you both use.. and battle about which setting to have it on. It’s the double duvet… that he says is too thin and she says is baking hot.


Or the alarm-clock-radio that is so loud that it wakes her when he gets up at 5.30am, even though she could sleep on. Or the TV with the remote control that gets handed back-and-forth on the sofa with shouts of: “Well, you set the volume then, I can hear it fine”.


There are still a multitude of simple devices that both people use, but in different ways

Lon Barfield

Now that the majority of Western households have got one of everything, the designers are looking at ways to make you buy another one of everything. One approach is to invent new things, so that just when you thought you had everything, you realise that you haven’t. Another is to work on better designed versions of the things that you have already got.


This is a double-edged sword: on the one hand it is just producing more things for the sake of more things. On the other hand, it is about “real design” - the designer doing their best to make aspects of the users’ life better.


With today’s complex gadgetry, a key role of the designer doing this is designing the behaviour of the things so that they do what you expect and want of them. It is called ” design” or “usability” and it is about making the user’s life easier by making things easier to use.


It doesn’t just apply to complex technology like video recorders and digital cameras. Even with things that are not-so-complex there is still a lot that can be done through good interaction design.

Microwave

How do you use yours?

Take the design of things that are used by couples. Most gadgets are designed for one person to use. In many cases this is what you want, especially with very personal technology like mobile phones and iPods.


Sometimes, you get systems that are expressly designed for the family to use, like broadband connection software where one person in the family is in charge of the whole thing and sets access levels, and passwords (and pays the phone bills!).


Somewhere in between there is a whole host of devices that are used by two people - the happy couple. In such contexts there is often a degree of delegation: he knows how to change the program on the central heating, she knows how to adjust the clock on the oven. She knows how to run the on the washing machine, he knows how to change the bit on the power drill.


However, there are still a multitude of simple devices that both people use, and that they use in different ways.


This is where a designer’s understanding of people comes in. Big technology companies are now starting to realise that they are not just designing for geeky folk like themselves, who buy everything anyway, they are designing for everyone, and to understand these users they need “product anthropology”.

Remote control

Still no Happy solution for couple who can’t agree on volume levels

Plain anthropology is about watching how remote tribes go about their everyday lives and joining in with them eating nasty things. Product anthropology is about watching how ordinary Westerners go about their lives; what sort of things do they do, what do they want to do, how do they use the things they have?


Part of this is how couples use things as a couple and in recent years designers have cottoned onto this and created products that solve some of the problems mentioned at the beginning.


There is the “thick and thin” duvet, where one side has more feathers in it than the other. There is the toaster with two setting dials - his ‘n’ hers.


There are now weighing scales that allow two people to key in their measurements, and check their weight against the stored parameters. And there is the clock radio with two alarm settings so you don’t have to try and engage your brain at six in the morning to re-program it to go off again an hour later.


But, hang on. What about the other problem: different volume settings for the TV when you are both watching it? How do you solve that? Well, one creative solution I heard about was the couple who lost their TV in a burglary, but not the remote. With the insurance money they purchased the same model, complete with another remote and, “hey presto”, a remote control for husband and wife.

Lon Barfield is author of Designing the Real World.

News - Police act over woodland bikers

Tuesday, October 30th, 2007

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Police in Gainsborough are taking action to restore peace and keep motorcyclists away from wooded areas.


They say those using bikes noisily and anti-socially risk having them seized.


Police field a dozen calls each weekend from residents near Norbury Hills wood near Knaith, Lea Park, Laughton Forest and Trent Bank, Morton.


Insp Maria Staniland said: “Bikers use the woods as though they are race tracks, scaring those enjoying a walk or taking their dogs out.”


She said police were to take action under the 1998 Crime and Disorder Act.


‘Peace and quiet’


Insp Staniland said: “Everyone has the right to live their lives peacefully and without fear.


“Residents whose homes back onto the wooded areas say they are desperate for peace and quiet at weekends to relax in when they’re not working.”


She asks motorcyclists to consider joining Gainsborough and District Motorcycle Club at Blyton Airfield.


Police said the motorbikes in the woods are often ridden without tax and insurance.


Officers are to give bikers one warning but those who carry on will have their bike seized.

Sport - Kilmarnock 3-0 Hamilton

Monday, October 29th, 2007


Two second-half strikes from Danny Invincibile ensured nervous Kilmarnock’s passage to the third round of the CIS Insurance Cup.

Killie had not scored in the competition since their 3-1 semi-final defeat of St Mirren in 2001.

And both sides missed chances before Invincibile finished Allan Johnston’s cross after 63 minutes.

Gary McDonald drove the second in off the post before setting up Invincibile to hammer home the third.

Kilmarnock had been beaten by Ayr United, Airdrie United and Brechin City in recent years.

And spirited Accies came close to causing another upset when striker Brian Carrigan had a fine volley from the edge of the box that went wide of the post.

The Ayrshire men should have taken the lead in the 55th minute when Invincibile’s header back across the goal gave MacDonald a seemingly easy chance.

But the midfielder’s header from around four yards out was well saved by goalkeeper David McEwan.

Accies should have scored a minute later when a defensive mix-up in the box between James Fowler and David Lilley gave Mark Corcoran a gift, but somehow the striker screwed the ball past the post from 10 yards.

The home side eased some nerves when they stole into the lead after 63 minutes.

A flighted cross from the right by Johnston found Invincibile at the back post and the Australian made no mistake from close range.

Killie looked sharper now and scored a well-worked goal in the 70th minute to compound their newly-gained superiority.

The lively Johnston worked a neat pass to Boyd and, when the big striker slipped it to McDonald inside the Hamilton box, the midfielder drove his angled shot past McEwan and in off the far post.

Hamilton were out on their feet now and, in the 86th minute, Invincibile made it three when he hammered an angled shot past McEwan from 16 yards after good work by McDonald.


Kilmarnock: Combe, Fowler, Lilley, Dindeleux, Hay, Invincibile, Locke (Joly 80), McDonald, Johnston (Dodds 86), Dargo (Murray 59), Boyd.
Subs Not Used: Greer, Smith.

Goals: Invincibile 63, McDonald 70, Invincibile 86.

Hamilton: McEwan, Walker, Thomson, McLaughlin, Waddell (McPhee 78), Hamilton, Aitken, Tunbridge, Corcoran, Carrigan (Hodge 74), Keogh (Convery 66).
Subs Not Used: Blackadder, Jellema.

Attendance: 3,375

Referee: K Clark


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News - Could you get by on £50 a week?

Saturday, October 27th, 2007

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Ann Green’s experiences help to reveal why.


They highlight some of the biggest obstacles to women receiving a full state pension.


Ann is now 69.

She got married at 18, stayed at home for several years to look after her three children, and spent many years working either part time or full time in about 10 different jobs.


By the time she retired, eight years ago, she had paid National Insurance contributions for fewer than the 39 years needed to qualify for the full state pension.


Like many women she had also paid reduced National Insurance contributions, known as the “married women’s stamp”.


Even if they had said years later your pension will be a few pounds more, I couldn’t have done it because we needed the money to live on
Ann Green


Under this arrangement, married women could opt to pay lower contributions, in exchange for receiving a reduced pension on retirement.


This was abolished in 1977.


Even if the consequences had been fully explained at the time, Ann doubts she would have done anything differently.


She and her then husband simply needed all their money to raise their family.


“We needed the money there and then,” she says.

“You can’t save, it’s impossible.


“Even if they had said years later your pension will be a few pounds more, I couldn’t have done it because we needed the money to live on,” she adds.


Pension credit


One government policy designed to improve this situation is the pension credit.

Part of the Pension Service web site

Help is available from the Pension Service web site


This was introduced in 2003. It is supposed to ensure that everyone aged 60 or over gets at least 114.05 a week.


Nearly 3.3 million pensioners now receive it.


The money doesn’t arrive automatically though. People have to claim it.


Ann found the process was very off-putting.


“I didn’t want to do it. You feel kind of ashamed that you are having to do it, telling people all about your personal financial income.

“They said it wasn’t means testing but it was.


“I rang the free phone number and it was an awful thing to go through, talking about your personal finances, horrible. You are exposing yourself. The whole process was intrusive.”


That may be one reason why around 20% of pensioners have still not claimed any of the new credit.


Poor take-up


Ann’s weekly pension is now 110 a week.


There are a lot of women who shock me. There are a lot whose income, a year ago, was 40 a week, now it’s just under 50 a week. If they went for pension credit they would get more
Ann Green


She says getting the credit has been a real benefit.


“At first it got me 11 a week, which probably sounds like nothing, but when you are on a low income it makes a big difference. And now it’s 16 a week. And I don’t have to pay the full council rent and council tax.”


But each week she meets other women who seem to be living on pitifully small amounts of money.


They are among the women who come up to the stall which she runs in Leicester market on behalf of the Leicester Pensioners Rights campaign.


Ann hears stories from some women that astonish her.


“There are a lot of women who shock me. There are a lot whose income, a year ago, was 40 a week, now it’s just under 50 a week. If they went for pension credit they would get more. ”


It seems either they still don’t know about Pension Credit or just won’t apply for it.


Divorce


One piece of advice Ann gives to some of the women is to get a formal divorce if they have already separated from their husbands.


Ann did this herself a few years ago and as a result her pension went up significantly.


That is because the rules allow divorced people with fewer than the maximum NI contributions to claim an increased pension, based on the contributions made by their former spouses.


She says many women aren’t aware of this and are reluctant to jump through that hoop anyway.


“There’s a look of resignation on their faces. Maybe some go away and do it. But there’s a lot who aren’t.”

Ann Green’s preference is straightforward: a flat rate, non-means tested pension, of at least 114 a week.


“If we had a reasonable state pension that allowed us to do the things we wanted to do we wouldn’t have to go through those hoops. They should do away with means testing. I’d rather have a decent state pension so I could pay my own way.”

Ann said paying higher pensions was affordable.

“There are billions of pounds in the national insurance pot doing nothing, it could be used to give pensioners a better standard of living in retirement.”


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News - Husband killed wife for cash

Wednesday, October 24th, 2007

A man accused of killing his wife after trying to take out life insurance for her has been found guilty of murder and jailed for life.

A jury at Bristol Crown Court took just four hours to convict Randle Williams, 43, of strangling and drowning his wife Natalie.

The 33-year-old’s body was found submerged in a river near their home in Bradford-on-Avon, Wiltshire, the day after her husband reported her missing.

Williams had denied having anything to do with her death, claiming that on the night his wife disappeared in April 2002, everything had been fine between the pair.

Financial difficulties

He said he had called in police after Mrs Williams went out to walk the dog - the animal returned wet and muddy, but his wife did not come back.

Sentencing Williams, Mr Justice Brian Keith said: “Why you killed her and what led up to it, we shall never know.

“Natalie knew but she has taken her knowledge of it to the grave.

“All we do know is that you clearly brought the life of this lively and attractive young woman to a premature end.”

Natalie Williams

Natalie Williams was strangled and drowned in a river near her home

The prosecution had alleged Williams was in financial difficulty at the time of his wife’s death.

Williams had also been trying to arrange a 665,000 life insurance policy to be paid to the surviving spouse.

Days before her death, Mrs Williams’ application had been turned down, but Williams still tried to claim on an accidental death benefit worth 500,000, without telling the company he had been charged with her murder.

Earlier, Wiliams had told the jury about problems between him and his wife, who he said suffered “Jekyll and Hyde” mood swings and had a number of affairs.

Mrs Williams, who suffered from depression and an eating disorder, had been arrested in January 2002 after threatening to kill her husband.

‘Depraved character’

Outside the court her sister Nichola Laverton read a statement on behalf of her parents, Robert and Muriel Hussey, who said they were happy with the verdict, but that it could not bring their daughter back.

She said: “The most horrible nightmare imaginable became reality the day police told us our youngest daughter, Natalie, had been murdered.

“No words can describe the pain we feel at losing our darling daughter - she was a stunningly beautiful, warm, caring and loving person - full of vitality and laughter.

“We will never come to terms with the loss of Natalie and we miss her every hour of every day.”

She added: “Randle Williams created a profile of lies about Natalie to discredit her and other innocent people and in doing so, he has revealed his true depraved character.”

She thanked police for their work which led to the conviction of Williams, who she described as an “evil, deceitful person”.


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