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Thursday 30 June 2011

André Villas-Boas: 'I'm expected to win straight away at Chelsea'....



André Villas-Boas has set himself the ambitious task of transforming Chelsea's players into "social role models" as he seeks to stamp his authority on powerful figures within the squad and revive the club after the least successful season of the Roman Abramovich era.

Chelsea's seventh manager during the oligarch's eight-year ownership acknowledged he must win silverware early in his tenure if he is to see out his £4.5m-a-year contract, which runs to 2013. Much will depend on the 33-year-old's ability to eke the best from senior players at the club, some of whom are nearly as old as the Portuguese and worked with him in his previous capacity as an opposition scout.

Disaffection within the dressing room was instrumental in Luiz Felipe Scolari's abrupt departure from Stamford Bridge two years ago yet, whereas the Brazilian's reputation had been established as a World Cup-winning coach, Villas-Boas is confident he will be able to impose his thinking on the set-up at Chelsea despite boasting only 20 – albeit supremely successful – months as a manager with Académica and Porto.

"We have to raise players' ambitions and motivations to be successful," Villas-Boas said. "We can grab at the amount of trophies we have won in the last six years, and that is a good reference point, but we push ourselves now for a new challenge. The players are responsible and professional enough to respect the manager's position. These are players who deserve respect from me, also, but we want them to triumph as people and as social role models. If they do that, they triumph as players out on the pitch as well.

"Most of them are experienced and have grown to think that talent is just talent, but we think there is something extra we can get out of them: by freeing them up and focusing on ambition and motivation. I have spoken already to a couple of the players on the phone and they told me this is like a fresh new start."

That can be construed as a challenge thrown down to the senior squad to match the ambitions of a manager who was born five months after Sir Alex Ferguson won his first silverware, the Scottish First Division title with St Mirren in 1977. The idea that Villas-Boas can reinvent the image of the playing personnel is bold given the high-profile off-field controversies which have dogged the likes of John Terry and Ashley Cole in recent seasons.

There is an acceptance at the club that standards of discipline slipped at the Cobham training base during recent regimes, with the new manager to outline his own code of conduct – a throwback to José Mourinho's spell in charge, a period in which Villas-Boas was directly involved – when the first-team squad return for pre-season training on 6 July.

There will be no pandering to egos within the squad. Terry, Villas-Boas said, would remain as captain only "as long as he can perform to the utmost of his ability, as he has in the last six years". The notion that the team would be constructed around the £50m record signing Fernando Torres, who endured such a miserable first six months at Stamford Bridge last term, was jettisoned. "We faced a similar situation with [Radamel] Falcao at Porto, who didn't find the net in pre-season and was frustrated, but we didn't fine-tune the team to provide for him," he said. "It's about fine-tuning the whole organisation of the team."

Such an approach will appeal to the hierarchy, who see in Villas-Boas a young, dynamic manager to contrast markedly with previous appointments, and a forward-thinker eager to impose his own ideas on the club from top to bottom. The Portuguese went against the wishes of his family by leaving the Estádio do Dragão to maintain a nomadic lifestyle that has taken him to London, Milan, Coimbra and Porto over the past four years. He likened that decision to giving up a "crazy" salary with Mourinho's Internazionale to take up the reins at Académica, then bottom of the Portuguese top flight.

He suggested, too, that Porto had been willing to better the financial package on offer from Chelsea to retain him last week. His eventual departure provoked a furious reaction in his home town, with supporters dismayed that apparent pledges of loyalty after a treble-winning first season at Porto gave way to pure ambition. "There's nothing I can say that will ease the fans' sense of betrayal, but this was a challenge I had to take," he said. Now he expects to be given the chance to thrive in London and will be hands-on in all aspects of the club.

While he intends to assess the playing squad from next week, he anticipates having a major say on incoming transfers, a role previously taken on by the departed sporting director, Frank Arnesen – Michael Emenalo is expected to be confirmed in a similar role this week – and has already succeeded in having the long-arranged pre-season friendly with Vitesse Arnhem on 9 July cancelled. The likes of Paul Clement, Bryan English and Glen Driscoll have already been moved on from the backroom staff with no ceremony, with Roberto Di Matteo confirmed as his No2 and Steve Holland promoted from reserve- to assistant first-team coach.
"For me, the thing is to be able to judge competence," Villas-Boas said. "There's nothing new in the idea that changes needed to happen. The people who have left did so after tremendous success, and we pay respect to them. Change happens in any structure. But we'll try to implement a future for this club step by step. Hopefully, we will all be involved in that for the next three years or beyond."

Abramovich, who sacked Carlo Ancelotti only 12 months after the Italian delivered Chelsea's first league and cup Double, will expect instant results such as that suffered by his predecessor. "Who expects to stay as Chelsea manager if they don't win anything?" he said. "You are expected to be successful straight away, to win straight away and on a weekly basis. There's no running away from that challenge. That's what I face. I'd be surprised to be kept on if I didn't win. I want to win as soon as possible and build a solid platform for the future."

http://www.guardian.co.uk/football/2011/jun/29/andre-villas-boas-chelsea

Birmingham City owner Carson Yeung charged with money laundering....

Yeung released on bail after appearing in court.

Carson Yeung, Birmingham City's president and largest single shareholder, has been released on HK$7m (£560,000) bail after appearing in court in Hong Kong charged with money laundering.

The 51-year-old, who has a 23.3% stake in the Championship club and is the chairman of its parent company, Birmingham International, was charged with "dealing with property known or believed to represent proceeds of indictable offences" totalling about HK$721m (£58m). The trial was adjourned until 11 August.
Yeung's lawyer Daniel Marsh told reporters: "All they're saying is that he has got a lot of money, and he hasn't paid a lot of tax. I mean there's lots of money in my bank account, not as much as his, but I don't pay taxes because it's not taxable."

The prosecution had argued that Yeung did not have close ties to Hong Kong, and should not be granted bail because his father had lived in mainland China since 2008 and Yeung was also married to a Chinese woman.
Yeung remained silent throughout proceedings in the packed courtroom except to ask if he could report at an alternative police station during bail. He was also told to surrender his travel documents.

Shares of Birmingham International were suspended on Thursday. The company declined to comment but Yeung's lawyer said in court that trade may resume after he was released.

The Birmingham chairman, Peter Pannu, meanwhile, repeated his insistence that the club's future remains secure, saying there is no connection between the charges and the club.

Pannu said: "I've had it explained to me that the charges relate to the 2001-2007 period – two years before Carson invested in this club so there is no connection there.

"The fans have nothing to worry about. The finances are okay. I'm flying out later today and will be able to tell you more when I come back."

Pannu added: "Understandably the fans are worried about this. But this has got nothing to do with the club and there is no impact on the operations over here. I've spoken on a couple of occasions to Carson and his lawyers and they've assured me there is no link whatsoever."

Yeung bought a 29.9% stake in City four years ago and took full control of the Carling Cup winners midway through the 2009-2010 season in an £81m takeover from David Sullivan and David Gold.

The Football League has confirmed that it is closely monitoring the situation and will continue to do so before deciding whether to take any action.

http://www.guardian.co.uk/football/2011/jun/30/birmingham-city-carson-yeung-charged

How meditation might ward off the effects of ageing.....

A study at a US Buddhist retreat suggests eastern relaxation techniques can protect our chromosomes from degenerating.

High in the mountains of northern Colorado, a 100-foot tall tower reaches up through the pinetops. Brightly coloured and strung with garlands, its ornate gold leaf glints in the sun. With a shape that symbolises a giant seated Buddha, this lofty stupa is intended to inspire those on the path to enlightenment.

Visitors here to the Shambhala Mountain Centre meditate in silence for up to 10 hours every day, emulating the lifestyle that monks have chosen for centuries in mountain refuges from India to Japan. But is it doing them any good? For two three-month retreats held in 2007, this haven for the eastern spiritual tradition opened its doors to western science. As attendees pondered the "four immeasurables" of love, compassion, joy and equanimity, a laboratory squeezed into the basement bristled with scientific equipment from brain and heart monitors to video cameras and centrifuges. The aim: to find out exactly what happens to people who meditate.

After several years of number-crunching, data from the so-called Shamatha project is finally starting to be published. So far the research has shown some not hugely surprising psychological and cognitive changes – improvements in perception and wellbeing, for example. But one result in particular has potentially stunning implications: that by protecting caps called telomeres on the ends of our chromosomes, meditation might help to delay the process of ageing.

It's the kind of claim more often associated with pseudoscience. Indeed, since researchers first started studying meditation, with its close links to religion and spirituality, they have had a tough time gaining scientific credibility. "A great danger in the field is that many researchers are also meditators, with a feeling about how powerful and useful these practices are," says Charles Raison, who studies mind-body interactions at Emory University in Atlanta. "There has been a tendency for people to be attempting to prove what they already know."

But a new generation of brain-imaging studies and robust clinical trials is helping to change that. Scientists from a range of fields are starting to compile evidence that rather than simply being a transient mental or spiritual experience, meditation may have long-term implications for physical health.

There are many kinds of meditation, including transcendental meditation, in which you focus on a repetitive mantra, and compassion meditation, which involves extending feelings of love and kindness to fellow living beings. One of the most studied practices is based on the Buddhist concept of mindfulness, or being aware of your own thoughts and surroundings. Buddhists believe it alleviates suffering by making you less caught up in everyday stresses – helping you to appreciate the present instead of continually worrying about the past or planning for the future.

"You pay attention to your own breath," explains Sara Lazar, a neuroscientist who studies the effects of meditation at Massachusetts general hospital in Boston. "If your mind wanders, you don't get discouraged, you notice the thought and think, 'OK'."

Small trials have suggested that such meditation creates more than spiritual calm. Reported physical effects include lowering blood pressure, helping psoriasis to heal, and boosting the immune response in vaccine recipients and cancer patients. In a pilot study in 2008, Willem Kuyken, head of the Mood Disorders Centre at Exeter University, showed that mindfulness meditation was more effective than drug treatment in preventing relapse in patients with recurrent depression. And in 2009, David Creswell of Carnegie Mellon University in Pittsburgh found that it slowed disease progression in patients with HIV.

Most of these trials have involved short courses of meditation aimed at treating specific conditions. The Shamatha project, by contrast, is an attempt to see what a longer, more intensive course of meditation might do for healthy people. The project was co-ordinated by neuroscientist Clifford Saron of the Centre for Mind and Brain at the University of California, Davis. His team advertised in Buddhist publications for people willing to spend three months in an intensive meditation retreat, and chose 60 participants. Half of them attended in the spring of 2007, while the other half acted as a control group before heading off for their own retreat in the autumn.

It sounds simple enough, but the project has taken eight years to organise and is likely to end up costing around $4m (partly funded by private organisations with an interest in meditation, including the Fetzer Institute and the Hershey Family Foundation). As well as shipping laptops all over the world to carry out cognitive tests on the volunteers before the study started, Saron's team built a hi-tech lab in a dorm room beneath the Shambhala centre's main hall, enabling them to subject participants and controls to tests at the beginning, middle and end of each retreat, and worked with "a village" of consulting scientists who each wanted to study different aspects of the meditators' performance. "It's a heroic effort," says neuroscientist Giuseppe Pagnoni, who studies meditation at the University of Modena and Reggio Emilia in Italy.

Many of the tests focused on changes in cognitive ability or regulation of emotions. Soft white caps trailing wires and electrodes measured the meditators' brain waves as they completed gruelling computerised tasks to test their powers of attention, and video recordings captured split-second changes in facial expressions as they watched images of suffering and war.

But psychologist Elissa Epel, from the University of California, San Francisco (UCSF), wanted to know what the retreat was doing to the participants' chromosomes, in particular their telomeres. Telomeres play a key role in the ageing of cells, acting like a clock that limits their lifespan. Every time a cell divides, its telomeres get shorter, unless an enzyme called telomerase builds them back up. When telomeres get too short, a cell can no longer replicate, and ultimately dies.

It's not just an abstract concept. People with shorter telomeres are at greater risk of heart disease, diabetes, obesity, depression and degenerative diseases such as osteoarthritis and osteoporosis. And they die younger.
Epel has been collaborating with UCSF's Elizabeth Blackburn, who shared the 2009 Nobel physiology or medicine prize for her work on telomeres, to investigate whether telomeres are affected by psychological factors. They found that at the end of the retreat, meditators had significantly higher telomerase activity than the control group, suggesting that their telomeres were better protected. The researchers are cautious, but say that in theory this might slow or even reverse cellular ageing. "If the increase in telomerase is sustained long enough," says Epel, "it's logical to infer that this group would develop more stable and possibly longer telomeres over time."

Pagnoni has previously used brain imaging to show that meditation may protect against the cognitive decline that occurs as we age. But the Shamatha project is the first to suggest that meditation plays a role in cellular ageing. If that link is confirmed, he says, "that would be groundbreaking".

So how could focusing on your thoughts have such impressive physical effects? The assumption that meditation simply induces a state of relaxation is "dead wrong", says Raison. Brain-imaging studies suggest that it triggers active processes within the brain, and can cause physical changes to the structure of regions involved in learning, memory, emotion regulation and cognitive processing.

The question of how the immaterial mind affects the material body remains a thorny philosophical problem, but on a practical level, "our understanding of the brain-body dialogue has made jaw-dropping advances in the last decade or two," says Raison. One of the most dramatic links between the mind and health is the physiological pathways that have evolved to respond to stress, and these can explain much about how meditation works.

When the brain detects a threat in our environment, it sends signals to spur the body into action. One example is the "fight or flight" response of the nervous system. When you sense danger, your heart beats faster, you breathe more rapidly, and your pupils dilate. Digestion slows, and fat and glucose are released into the bloodstream to fuel your next move. Another stress response pathway triggers a branch of the immune system known as the inflammatory response.

These responses might help us to run from a mammoth or fight off infection, but they also damage body tissues. In the past, the trade-off for short bursts of stress would have been worthwhile. But in the modern world, these ancient pathways are continually triggered by long-term threats for which they aren't any use, such as debt, work pressures or low social status. "Psychological stress activates these pathways in exactly the same way that infection does," says Raison.

Such chronic stress has devastating effects, putting us at greater risk of a host of diseases including diabetes, cancer, heart disease, depression – and death. It also affects our telomeres. Epel, Blackburn and their colleagues found in 2004 that stressed mothers caring for a chronically ill child had shorter telomeres than mothers with healthy children. Their stress had accelerated the ageing process.

Meditation seems to be effective in changing the way that we respond to external events. After short courses of mindfulness meditation, people produce less of the stress hormone cortisol, and mount a smaller inflammatory response to stress. One study linked meditators' lower stress to changes in the amygdala – a brain area involved in fear and the response to threat.

Some researchers think this is the whole story, because the diseases countered most by meditation are those in which stress plays a major role. But Epel believes that meditation might also trigger "pathways of restoration and enhancement", perhaps boosting the parasympathetic nervous system, which works in opposition to the fight or flight response, or triggering the production of growth hormone.

In terms of the psychological mechanisms involved, Raison thinks that meditation allows people to experience the world as less threatening. "You reinterpret the world as less dangerous, so you don't get as much of a stress reaction," he says. Compassion meditation, for example, may help us to view the world in a more socially connected way. Mindfulness might help people to distance themselves from negative or stressful thoughts.

The Shamatha project used a mix of mindfulness and compassion meditation. The researchers concluded that the meditation affected telomerase by changing the participants' psychological state, which they assessed using questionnaires. Three factors in particular predicted higher telomerase activity at the end of the retreat: increased sense of control (over circumstances or daily life); increased sense of purpose in life; and lower neuroticism (being tense, moody and anxious). The more these improved, the greater the effect on the meditators' telomerase.

For those of us who don't have time for retreats, Epel suggests "mini-meditations" – focusing on breathing or being aware of our surroundings – at regular points throughout the day. And though meditation seems to be a particularly effective route to reducing stress and protecting telomeres, it's not the only one. "Lots of people have no interest in meditation, and that's fine," says Creswell. Exercise has been shown to buffer the effects of stress on telomeres, for example, while stress management programmes and writing emotional diaries can help to delay the progression of HIV.

Indeed, Clifford Saron argues that the psychological changes caused by the Shamatha retreat – increased sense of control and purpose in life – are more important than the meditation itself. Simply doing something we love, whether meditating or gardening, may protect us from stress and maybe even help us to live longer. "The news from this paper is the profound impact of having the opportunity to live your life in a way that you find meaningful."

For a scientific conclusion it sounds scarily spiritual. But researchers warn that in our modern, work-obsessed society we are increasingly living on autopilot, reacting blindly to tweets and emails instead of taking the time to think about what really matters. If we don't give our minds a break from that treadmill, the physical effects can be scarily real.

 http://www.guardian.co.uk/lifeandstyle/2011/apr/24/meditation-ageing-shamatha-project?INTCMP=SRCH

Mother-in-law's withering email to bride-to-be goes viral.........

Carolyn Bourne compared to snobbish sitcom character Hyacinth Bucket over description of stepson's fiancee.

A withering email to a "bad mannered" bride-to-be from her future mother-in-law has gone viral, prompting comparison between its author and the sitcom snob Hyacinth Bucket.

In the email sent to Heidi Withers, a PA from West London, last month, Carolyn Bourne describes her stepson Freddie's fiancee as "an ideal candidate for the Ladette to Lady television series", a reality TV show where drunken, foul-mouthed young women are taught the points of etiquette.

But Bourne has found herself compared to the show's comically sour-faced disciplinarians Mrs Harbord and Mrs Shrager – and the social climbing Bucket – after Withers forwarded the disparaging remarks to a few friends, which led to the email being sent on to thousands of people.

In the email, Bourne, 60, from Dawlish, Devon, apparently rebukes Withers, 29, for her behaviour during a visit to the family in April, which she describes as "staggering in its uncouthness and lack of grace".

Bourne, whose company website describes her as a breeder of "award winning perfumed Pinks and Dianthus", seemingly exemplifies the worst stereotypes of mothers-in-law and stepmothers by berating Withers for staying in bed too late, drawing attention to herself and wanting to get married in a castle. She also implies that the PA is marrying above her station and is a potential gold digger.

She writes: "If you want to be accepted by the wider Bourne family, I suggest you take some guidance from experts with utmost haste.

"Here are a few examples of your lack of manners: When you are a guest in another's house, you do not declare what you will and will not eat – unless you are positively allergic to something.

"You do not remark that you do not have enough food.
 You do not start before everyone else.
"You do not take additional helpings without being invited to by your host.
"When a guest in another's house, you do not lie in bed until late morning in households that rise early. You fall in line with house norms.
"You should never ever insult the family you are about to join at any time and most definitely not in public.
"You regularly draw attention to yourself. Perhaps you should ask yourself why. No one gets married in a castle unless they own it. It is brash, celebrity style behaviour.
"If your parents are unable to contribute very much towards the cost of your wedding, it would be most ladylike and gracious to lower your sights and have a modest wedding as befits both your incomes.
"One could be accused of thinking that Heidi Withers must be patting herself on the back for having caught a most eligible young man. I pity Freddie."

Bourne and her husband, Edward, 63, have declined to comment on the email. "We have nothing to say," they told the Evening Standard.

The prospective bridegroom Freddie Bourne, 29, from Putney, London, would also not be drawn on the apparent spat.

http://www.guardian.co.uk/lifeandstyle/2011/jun/30/mother-in-law-email-viral

Wednesday 29 June 2011

Sure-fire Methods to Beat Slot Machines.....

Are there any sure-fire methods for beating the slot machines?

http://www.slotadvisor.com/slot-machines.html

There are methods to improve your chances, but there are no guarantees you'll become a consistent winner on slot machines. It's tough to beat the slots when the house edge averages around 10 percent in brick-and-mortar establishments, ususally a little less at online casinos.
How do you try to conquer the one-armed bandits?
Click and Tell!


Playing slot machines is great fun. With proper strategies, playing the slots doesn't have to be tough on your bankroll and there is always the anticipation of hitting that big jackpot.


Here are the most important things you need to know if you want a better chance of beating those slot machines:


Slot Types: Walk into any land-basedcasino or log on to an Internet casino and you'll beconfronted with a bewildering assortment of slot machines. There are many different games, jackpot sizes, coin denominations and number of coin options.

All slot machines operate completely electronically, a computer chip, known as a Random Number Generator (RNG), determines what symbol combinations come up for every spin. That RNG is programmed to return to the players a certain percentage of all the money that the machine collects.

Payout Percentages:
The payback percentage on slot machines ranges between 80% to as high as 98%, depending on coin size and local competition. Generally, in brick-and-mortar casinos, the loosest slots can be found in Las Vegas. Nationally the average payout percentage is estimated to be around 90%. Online casinos do not have to pay for expensive real estate; they can afford more liberal payouts on their slot games.


Realize that payout percentages are calculated over thelong term, which could mean many millions of spins. If a slot machine is programmed to pay back 95% it will pay out $950,000 out of every one million dollars it takes in, but payouts will come in wildly fluctuating random fashion. A few players will collect huge jackpots, while all others will not be so lucky.

Know the Rules: Read the pay table and all instructions posted on slot machines. If you don't understand everything correctly ask an attendant or, if playing online, contact the casino's customer service center. It is your responsibility to know the rules concerning the number of coins to insert or how many lines need to be activated in order to collect prizes. Should you line up the jackpot symbols without having met the requirements, you'll get a sympathetic "sorry" but no money.


Loose Machines: When playing slot machines in land-based establishments, always look for the highest payout machines you can find. Some casinos advertise 98% percent payback. A slot holding just two percent! Great! But look closely at the advertisement, the fine print probably says "selected machines", or "up to 98%". The 98% machines probably won't be identified. It will be up to you to find them: Try asking casino personnel. Better yet, find out which machines are most popular with local players. Locals don't play tight slot machines.


Coin Denomination: Play the coindenomination that's right for the size of your bankroll. If playing progressives or slots that offer a bonus for playing maximum coins and the dollar level is too rich for your blood, drop down to the 25-cent machines. Look and compare. If the maximum payout on a dollar machine is $300 for single coin play, and a quarter machine pays $300 with three coins (75 cents) inserted, then the quarter machine is the better deal.


Progressive Jackpots: Play the progressives with maximum coins only. You won't collect the jackpot if you don't play the required number of coins. When selecting progressive machines be sure to look around for the best value. One bank of 25-cent slots can have a progressive jackpot of $2,654 while on another carousel nearby the top prize is 3,572. Always look for the best opportunity.

Jackpot Bonus: Always bet the maximum number of coins if the highest jackpot pays a bonus when all coins are played.Example, on a three-coin slot machine, the jackpot pays 1,000 for first coin, 2,000 for second coin and 5,000 for third coin.It's smart to play three coins and qualify for that extra 2,000 coin bonus. But if the third-coin payout was only 3,000 then there would not be any advantage in playing maximum coins.


Money Management: Set a loss limit before you enter a casino or before you go online. You know how much you are willing to risk or how much you can afford to lose. Disciplineyourself and stop playing once you've reached that pre-determinedlimit. For example, if you allotted $100 for this session, stop playing when you have either doubled your money or lost it all. Don't get greedy and don't get caught up in the "I need towin my money back" mentality.


Hit and Run: Continue to play the same slot machine only if it hits at an average of at least every three or four spins. Don't keep feeding a cold machine, hoping it will warm up. The longer you stay at any gambling activity, the greater the odds against you. The casino's built-in mathematical advantage takes effect. You want to "hit and run". Quit when you're ahead, you'll feel much better!

Choose from over 50 online slots at Bodog Casino, where you can play for free or for cash.


Slot Clubs: Land-based casinos give away millions of dollars in comps, free meals, free rooms,show tickets, invitations to slot tournaments, gifts, cash and more. You deserve your share. How much you get is generally based on the number of coins you cycle through the slot machines. Not all comp programs are alike, compare benefits at different casinos. Find out what their requirements are and choose the one that has the best deal for your level of play. Treat slot club comps as a form of profit, but never play slot machines just to get freebies. That's a trap casinos hope you'll fall into.


Online Casino Bonuses: Online casinos can't entice you with free meals or free rooms like their land-basedcounterparts, so in order to attract players they offer bonus money in various forms. The most popular is the new players welcome cash bonus. There are single deposit bonuses, multiple deposit bonuses, and even no deposit bonuses, where they give you money just so you'll try their casino. Be aware thatall bonus monies come with restrictions. Always read the"terms and conditions". Take advantage of the free money only if you find the casino's rules are acceptable.

If you play slots online, the most convenient andabsolutely secure way to deposit and withdraw funds quickly and easily is via Moneybookers. Click for details.


http://www.slotadvisor.com/slot-machines.html

The 10 best money saving websites.....

 By Martin Hickman.

Our list of top money-saving websites has been wildly popular on Independent.co.uk so in the tradition of crowd-pleasers, here is my top 10 budget-boosting sites for this year.

If you haven’t seen the original list, take a look – you may save a few pounds there too.

http://www.independent.co.uk/money/spend-save/the-10-best-money-saving-websites-2010613.html

Tuesday 28 June 2011

Herbal remedies banned as new EU rules take effect.....

Manufacturers and herbal practitioners say strict guidelines aimed at improving safety could force them out of business.

New EU rules came into force at the weekend banning hundreds of herbal remedies. The laws are aimed at protecting consumers from potentially damaging "traditional" medicines.

Under the directive, herbal medicines will now have to be registered. Products must meet safety, quality and manufacturing standards, and come with information outlining possible side-effects.

Herbal practitioners and manufacturers say they fear the new rules could force them out of business.
Research conducted for the Medicines and Healthcare Products Regulatory Agency (MHRA) in 2009 showed that 26% of adults in the UK had taken a herbal medicine in the last two years, mostly bought over the counter in health food shops and pharmacies. Commonly used ingredients already registered include echinacea, which is used against colds, St John's wort, used for depression and anxiety, and valerian, which is claimed to ease insomnia.

The agency said it hoped to promote a more cautious approach to the use of herbal medicines after a study found that 58% of respondents believed these products were safe because they are "natural". In fact, herbal remedies can have harmful side-effects.

St John's Wort can stop the contraceptive pill working, while ginkgo and ginseng are known to interfere with the blood-thinning drug warfarin. And in February the MHRA issued a warning about the herbal weight loss product Herbal Flos Lonicerae (Herbal Xenicol) Natural Weight Loss Formula, after tests showed it contained more than twice the prescribed dose of a banned substance.

To date, the industry has been covered by the 1968 Medicines Act, drawn up when only a handful of herbal remedies were available and the number of herbal practitioners was very small.

From now, manufacturers will have to prove their products have been made to strict standards and contain a consistent and clearly marked dose. Remedies already on sale will be allowed to stay on the shelves until their expiry date. The agency said there had been 211 applications for approval of herbal remedies so far, with 105 granted and the rest still under consideration. Approved remedies will come with a logo marked THR.

http://www.guardian.co.uk/uk/2011/may/01/new-eu-rules-on-herbal-remedies?INTCMP=SRCH

Dr Luisa Dillner's guide to . . . drink and drugs in old age...

Up to one third of older people with alcohol problems develop them later in life – often in response to loss and stress.

If you'd planned to spend your twilight years knocking back sherry, you should read the latest report from the Royal College of Psychiatrists. Our Invisible Addicts says that people over 65 should ration their tipples. One and a half units a day is the recommended amount – less than half the amount for younger people. And you need to stop any illicit drug habits that you've kept on from earlier years. You may even need to look at the medicines you're taking because chances are, by the time you're over 65, you might not be taking them properly. About a third of those over 65 take four or more prescribed drugs a day.

Is drug abuse really a problem in older people?

Over-45s are treated as older people when it comes to abusing drugs, and in the north-west of England the proportion of over-45s seeking help for drug taking increased from 6.4% in 2003/4 to 10% in 2006/7.
What about alcohol?

About 21% of older men (over 65) drink more than four units of alcohol at least one day a week, as do 10% of women. This is on the increase in both sexes. Bereavement, loneliness, chronic or painful illness, difficulty in sleeping and depression can all lead to drinking more. Older men are more at risk than women. The report says 14% of men and 3% of women over 65 binge drink, although they tend to do so at home.

Does alcohol affect you differently as you get older?

Older people are more likely to be taking prescription drugs that interact with alcohol. They also have a reduction in their body water-to-fat ratio, which means less water to dilute the alcohol in. Blood flow to the liver is reduced, too, and on arrival there, the liver enzymes are less able to cope with alcohol. Alcohol has a stronger and faster depressant effect on the brain, causing memory loss and problems with coordination. It can therefore cause confusion and falls (more rapidly than in younger people). Elderly drivers are three times more likely to be involved in a car accident if they have been drinking. The Royal College of Physicians says 60% of people who repeatedly go into hospital with confusion or falls at home could have alcohol problems.

What can I do about it?

Well, you can be honest with yourself about how much you are drinking, or if you are still taking any illegal drugs. The report was written to encourage doctors to ask about these problems – they usually don't because they think older people just knit and drink tea.

Up to one third of older people with alcohol problems develop them later in life – often in response to loss and stress. A high intake of alcohol in older people can contribute to dementia (a different sort to other dementias), other mental health problems such as depression and anxiety, and liver disease. Not to mention falling over and hurting yourself. If you are concerned about your drinking, see your GP.

How much is safe to drink?

The report's guidelines says a safe limit is 1.5 units per day or 11 a week. A unit is half a pint of beer or 50ml of sherry. A small glass of wine (12% alcohol by volume) is one and a half units.
http://www.guardian.co.uk/lifeandstyle/2011/jun/27/luisa-dillner-drink-drugs-old-age

I think I`ll stick to orange juice and ice....

Cameron to urge public sector workers not to strike......

Prime minister will call on unions to keep negotiating after Monday talks failed to reach settlement to avoid Thursday's walkouts.

David Cameron will appeal directly to public sector workers not to go on strike this week, telling an audience of local government leaders that the current public sector pension arrangements are "not fair to the taxpayer".

The prime minister will intervene in the row between the government and unions over pension reforms after talks on Monday failed to negotiate a settlement to avoid mass walk-outs on Thursday.

Up to 750,000 teachers, lecturers and civil servants are preparing to strike over the reforms.

In a speech to the Local Government Association in Birmingham on Tuesday, Cameron is expected to say that the current system is "unsustainable" and reforms are inevitable.


The cabinet held a special session during its regular weekly meeting in Downing Street on Tuesday to discuss the likely impact of the strikes and contingency plans.

Sources said Cameron's speech would be "non-confrontational" and set out the case for making public sector pensions fairer for taxpayers.

His official spokesman said: "Our view is that reform of public sector pensions is necessary, that the proposals we have set out represent a fair deal for public sector workers and for the taxpayer, and that, as we are in the middle of discussions with the unions, strike action on Thursday is premature."


Monday's talks failed to reach any firm agreement, despite the government appearing to offer a significant compromise over local government pensions.

Two hours of negotiations left the unions and the government still fundamentally divided with major gaps in opinions unresolved, Brendan Barber, the general secretary of the Trades Union Congress, said.

Unions said they had made no progress on the most contentious proposals – to increase public sector workers' contributions, change the system of uprating schemes and raise the pension age for government employees.

But the biggest public sector union, Unison, indicated that the government had given enough ground on local government pensions for it to delay a strike ballot until later in the summer in the hope of further concessions.

The government described the talks as constructive and indicated that it was preparing to offer concessions on the local government scheme, which is funded and has 3.5 million mostly low-paid members.

There have been warnings that higher contributions could tip the scheme into surplus while forcing low-paid workers out.

Lord Hutton, the Labour former business secretary who drew up the blueprint for the coalition's pension reforms, warned last week that the proposed three percentage point increase in contributions might trigger a mass opt-out, jeopardising the viability of the scheme.

The minister for the Cabinet Office, Francis Maude, and the chief secretary to the Treasury, Danny Alexander, said in a joint statement that the talks would now continue into July – although one Whitehall source also suggested there was no pressing deadline to end the negotiations before the pension contributions are due to kick in next April.

"We recognise that the funding basis for the local government pension scheme is different," the statement said.

"There are important implications for how the contributions and benefits interact, as both Lord Hutton and the unions have set out. On that basis, we have agreed to have a more in-depth discussion with local government unions and the TUC about how we take these factors into account. "While the talks are ongoing, it is obviously disappointing that some unions have decided on industrial action.

"But what the recent ballot results show is that there is extremely limited support for the kind of strike action union leaders are calling for. Less than 10% of the civil service workforce has voted for strike actions, and only about a third of teachers."

Barber said: "In some areas, it's clear that there is the possibility of agreement, but in terms of some of the key issues there is clearly a major gap between our position and that of the government.

"The strikes will be taking place on Thursday. Four unions balloted their members and reached that decision, and that reflects the degree of anger and worry and real fear there is across everyone who works for public sectors that their pensions are under threat."

Dave Prentis, the head of Unison, which has 1.2 million members in the pension scheme, said his union would not now ballot until after further talks in the summer, indicating that it had gone into the talks fully expecting to do so. "There was a sense that today we were in real negotiations," he said.

The Association of Teachers and Lecturers, the National Union of Teachers, the University and College Union and the PCS all confirmed they would strike on Thursday. Some unions have privately said they will stick with the talks, despite believing they are doomed, to avoid the public relations disaster of being perceived to be responsible for negotiations collapsing.

Unions and the government are eager to win over public opinion ahead of strikes. One ComRes poll suggested that although 55% of people believe the public will not support co-ordinated strikes, 78% agree it is unfair for low-paid public employees to "pay the price for mistakes made by bankers before the financial crisis".

http://www.guardian.co.uk/politics/2011/jun/28/cameron-to-urge-public-sector-workers-not-strike

Magritte at Tate Liverpool: Secrets and surrealism - video...

As a major new retrospective opens, Adrian Searle investigates The Secret Player – a work as wilfully surreal as anything Magritte painted, and yet which contains buried clues to the artist's own life...

Monday 27 June 2011

Grace Woodward: 'Pure fashion is about breaking the rules'....

The top stylist talks about turning 'normal people' into pop stars for The X Factor, 'white bread' fashion for the masses, and why glamour magazines are not to blame for body dysmorphia.

Perhaps the biggest misconception of people who work in the fashion industry is that they are fashion. When uber-stylist Grace Woodward, 33, an excitable flap of huge eyelashes and chocolate-coloured eyes, lets me into her top-floor Islington flat, she makes no bones about being barefoot and dressed solely in a Katharine Hamnett T-shirt, holding a box of fried chicken. It's not what you'd expect from the woman named stylist of the year by the British Fashion Council.

Six years after leaving her role as head of press at lingerie label Agent Provocateur, Woodward has styled everyone from Florence Welch to Rod Stewart and Green Day, working with photographers such as Perou, David Bailey and Rankin. She was responsible for giving last year's X Factor contestants their pop star "looks", and works alongside Elle Macpherson as a judge on Britain & Ireland's Next Top Model. Not bad for a Doc Marten-wearing grunge kid who grew up in a council flat in a London suburb.

Now about to front her own TV show, Chick Fix, which sees her doling out lifestyle advice to women with issues, is she setting herself up to steal Gok Wan's crown? No, the show is "nothing like Gok Wan's, no offence Gok". In fact, it's less fashion-oriented than you'd expect, instead promising to be an antidote to "faux girl power". Indeed, it seems the only fashion giveaway is the huge, thick-rimmed pair of Retro Super Future glasses Grace is known for wearing. It's not her fault, she insists, that she can't see terribly well…

You were responsible for injecting high-fashion into last year's X Factor. How did you get involved?

Simon [Cowell] is a very good barometer for the British public. But he's also a businessman and is acutely aware that when the finalists come out into the world they haven't yet become products. So last year he started involving people like me who work in the industry to help turn the contestants into pop stars.

Some of the outfits had lukewarm receptions. Was your work lost on the public?

You're talking about Katie Waissel and the helmet? Ha. With Katie we wanted to set a bar. That hat had been shot in loads of magazines but it didn't go down well on TV. Why? Here's my halfpenny's worth: people are afraid of things they haven't seen before. Outside of the creativity industry, anything new is threatening. My styling took a while to settle with the public, but it did eventually.

Whose style do you admire more: Cheryl or Dannii?

The last series showed the two of them at their pinnacle, but I hugely dislike comparing different women of different ages. People want me to say I'd love to style Cheryl, but that's not what I do. I create images and fantasies. Cheryl has her own stylist. In terms of the contestants, Katie Waissel was definitely the most game and the most misunderstood. She is showbiz.

Are you going back this year?

I have no idea. Last year I was given two weeks' notice. X Factor was a nightmare. But an amazing nightmare. You are working with normal people, yet I've never heard so many people say to me, "Erm, this dress isn't me." I just say: "You want to look like a pop star? Listen to me."

Are you very experienced at styling pop stars then?

I did Florence Welch's first image overhaul and press shots. I also did La Roux, but my favourite artist was Fever Ray because, unlike other women, she doesn't rely on her sexuality. But I guess all of them are freakish. Talented but freakish. In a good way.

For those not in the know, what exactly does a stylist do?

To me, styling is about making fantasies. It's only recently that people have understood that it's not about pairing shoes with handbags – rather it's like painting, using texture, cultural references like Queen Elizabeth I, and movement, not just clothes. X Factor aside, I've never styled real people. I probably wouldn't know how. Real life doesn't get my creative juices flowing.

Were you obsessed with fashion as a child?

Growing up very unhappily in a council flat for my formative years, I am – according to Penny Martin, [editor of biannual style magazine The Gentlewoman] – "inspired by the bourgeois". My parents were both too busy navel-gazing to notice. My dad once said something glib about me being a professional shopper, so I think we stopped talking about it after that.

Have you always lusted after beautiful clothes?

I've always been a dresser- upper with a penchant for the theatrical. I wore my mum's shoes as a toddler. I'm a child of the 1980s, so brands matter to me. I suppose it all started with a pair of Doc Martens. When I studied at the London College of Fashion, I was often faced with the dilemma of buying food or saving up for that Vivienne Westwood T-shirt. So I'd eat baked beans for a week and get the T-shirt.

So how do you decide what to wear each morning?

I'm a style tart. Dressing is a form of self-expression so I dress how I'm feeling. Today I'm wearing a T-shirt, mainly for practical reasons.

Have you always wanted to be a TV personality?

My sixth form college was theatre-based so I've always had performance in me. I once, embarrassingly, did an opening casting to be a presenter on The Big Breakfast. It was during the Kelly Brook era. Luckily I didn't get it. It's only now that I have the confidence to do TV.

Are you good at it?

The hardest thing is to come across well while also imparting knowledge about my side of the industry. I'm usually in creative control of everything I do, but when you go into a public arena like X Factor you can lose creative control of what goes on screen. You have to be wary about compromise.

You're also a familiar face on Britain's Next Top Model. Do you feel responsible for the young, inexperienced models on the show?

Yes. Some of the psychological challenges seem ridiculous but they are a metaphor for what will happen in the industry. They need to know it's not glamorous and it's not always fun. A lot of the models try to be charismatic to win us round. We're just thinking: do you look good in a photograph? You quickly see the arch-manoeuvrers.

You mentioned Queen Elizabeth I. What else inspires you?

My mother liked the Pre-Raphaelites and had a framed print of Millais's Ophelia, so women in art are always inspirations to me. Ultimately, when creating any image you are trying to make it iconic .

Fashion is often perceived as a lowbrow, fluffy subject. Does that annoy you?

Fashion is art, and there are designers who are geniuses. It's highbrow. Are you saying Hussein Chalayan isn't a genius? I have felt demeaned when saying I work in fashion but that's only because people don't understand what I do. They confuse styling and fashion with the high street.

So what is the difference?

Fashion, in its purest sense, is about breaking rules. High street is a watered-down interpretation. I am a stylist, and style is neither fashion nor high street. Stylish people tend to shop the least because they aren't swayed by what's on-trend or in-store.

You're not a fan of Primark then?

I appreciate the high street but "fashion" for the masses is everywhere, like processed white bread. Everyone eats it.

The fashion industry is often accused of being run by interns. Do you agree with this culture of unpaid work?

I blame universities. They are taking 60-plus students on their fashion courses when there just aren't enough jobs out there. It's irresponsible because they end up interning for no payback. Why is there no accredited apprenticeship scheme with fashion houses, where designers get paid to impart a trade that makes you viable? I have thought about going to David Cameron about it. It's giving fashion a bad name.

You seem passionate about the ethics of the industry – what's your take on the body image debate? Do you resent fashion getting the blame?

Fashion magazines shouldn't have to bear the weight of the responsibility. It's a lazy observation, cultivated by the media. Like I said, we are trying to create a fantasy, not tell people how to look. I know it sounds like a flimsy argument but I don't think you can nanny people. It's a psychological issue. It's not fashion's fault.

So the rise of curvy women in fashion, as seen on the last cover of Vogue Italia and among models like Crystal Renn , is a positive thing?

The three women on the cover of Vogue Italia are tall and beautiful. That's a massive reason they're on the cover. Also, Crystal Renn isn't just a fat girl who made it. She's extraordinary as a person. I was once asked to comment on Christina Hendricks [size 14 star of Mad Men]. It's great that we have diversity but we have to be careful not to excuse a bad diet and no exercise for curvy. Christina is healthy but we also have an obesity crisis in the country. Where is the middle ground?

Chick Fix is about helping women cope with lifestyle problems such as infidelity or workplace competitiveness. Do you think women are more competitive than men?

No, but competition between women in fashion is very fierce. That was one of the reasons I left – I knew I wasn't strong enough. I had a job I used to leave every night in tears because of a female editor.
Britain & Ireland's Next Top Model starts on 4 July, and Chick Fix on 12 July, both at 9pm on Sky Living

http://www.guardian.co.uk/lifeandstyle/2011/jun/26/grace-woodward-fashion-stylist-interview

Bank chief warns of wave of home repossessions if rates rise....

UKAR chief presiding over £80bn of bailed-out mortgages says 'tough love' would be fairer on those struggling with payments.

Britain is facing a tsunami of house repossessions as soon as interest rates start to rise, one of the country's leading bankers has warned.

Richard Banks, the chief executive of UK Asset Resolution (UKAR), the body that runs the £80bn of mortgages bailed out by the taxpayer during the banking crisis, also said in an interview with the Guardian that the Labour government's pleas at the start of the crisis for lenders to keep families in their homes was forcing some homeowners further into debt.

In a warning that the industry may have been too lenient with some of its customers, he said he believed a policy of "tough love" would be fairer to people facing long-term difficulty in keeping up payments on loans taken out when house prices were at their peak and personal incomes on the rise.

His warning came the day after the international bank regulator said the Bank of England, which has kept rates at 0.5% for more than two years, would have to raise rates shortly to curb inflation.
The Bank of International Settlements said the policy of the Bank of England, whose rate-setting committee is split over whether or not to increase borrowing costs, was "unsustainable".
     
With 750,000 customers, UK Asset Resolution, set up to run the nationalised mortgages of Bradford & Bingley and parts of Northern Rock, is the country's fifth largest mortgage lender. But 23,000 of those mortgage holders are more than six months behind with payments and Banks admitted the projections for the number of people falling behind on payments could get "scary" if lenders did nothing to prepare for higher rates.

"You can see if you don't do something about it, you can see a tsunami," he said. "If you don't get into the hills you could get drowned by this. If you don't manage this properly it could get very messy."

He regards it is an industry-wide problem, albeit one that might be concentrated at UKAR as its customers include buy-to-let landlords and so-called self-certified borrowers – those without salaried income. UKAR, through three calls centres in Crossflatts, West Yorkshire, Gosforth, Newcastle, and Doxford, Sunderland, has begun cold-calling customers it believes are at risk of falling behind on payments in an attempt to keep their mortgage payments on schedule.

The bank is also trying to tackle customers behind with payments for six months or more and at risk of repossession.

His concern about a surge in repossessions is partly the result of moves by the industry early in the 2008 crisis to grant so-called forbearance to help customers stay in homes by, for example, reducing monthly interest payments. "We as an industry, as a kneejerk reaction in the emergence of the crisis, and because the government asked us to be forbearing to customers in the hope it would all go away, we have been too lenient with some customers.

"It's a tough love approach," he said. "It's treating customers fairly, not nicely, because if you can't afford your mortgage you are only increasing your indebtedness. If we allow you to increase your indebtedness, that's not really fair to you."

This month the Council of Mortgage Lenders forecast a rise in repossessions from 40,000 this year to 45,000 next. This figure would still remain well below the 75,500 peak of 1991. The remarks by Banks follow a warning last week from the new regulator set up to spot financial risks in the system – the Financial Policy Committee (FPC) inside the Bank of England – that warned banks may be providing a "misleading picture of their financial health" if they were not making big enough provisions for borrowers in difficulty.
Forbearance has been brought into play in up to 12% of mortgages, the FPC said.

It also noted that the most "vulnerable" households were concentrated in a few banks. It did not scrutinise UKAR but noted that the two other bailed-out banks, Lloyds Banking Group and Royal Bank of Scotland, had the largest exposure to customers whose mortgages were bigger than their value of their homes.

Last month, the Financial Services Authority issued a guide to handling forbearance in which it warned:

 "Arrears and forbearance support provided with due care by firms has a beneficial impact for both the firm and the customer … However, where such support is provided without due care or any knowledge or understanding of the impacts, it has potentially adverse implications for the customer, for the firm's understanding of the risks inherent within its lending book, and in turn for the regulators and the market."
         
http://www.guardian.co.uk/business/2011/jun/27/house-repossessions-wave-interest-rates-rise                   

Divorcees offered insurance against ex-spouses who stop maintenance.....





Insurance will fund legal battles against former partners who willfully default – and pay out if exes can no longer afford to.

Jenny, a mother of two young girls, has been left with legal bills of more than £9,000 after pursuing her ex-husband for maintenance payments.

After she divorced her husband of five years, Jenny (not her real name) took on the caring responsibility for their two daughters. With a consent order in place, she had no reason to think that he would fail to pay her the agreed £740 a month she needed.

"The split was amicable and I never dreamed that he would default, but he did – less than a year after we split up. He had met someone online and said he now had another family to support," she said.

"Eventually, I decided to take legal action, until he applied for a reduction the correct way. But doing so was extremely expensive and I had to use credit cards to pay the solicitor."

Jenny's experience is by no means unusual. Divorcees relying on maintenance payments from former partners often find themselves struggling financially because their ex is made redundant, becomes ill, dies or simply refuses to pay. While a consent order setting out the division of assets and payment of maintenance is legally binding, in theory meaning both parties can move on financially, it cannot guarantee that maintenance payments will be kept up.

"A consent order can only be enforced to the extent that an ex-partner has the money to pay the maintenance," says Mark Penston from BlueSky Independent Financial Advisers, a firm that specialises in mediated settlements and divorce.

"In today's economic climate we are seeing more and more problems arising from these payments grinding to a halt as a result of redundancy or other problems," he says. "Mothers with children can suffer serious financial hardship, and while they can go back to court to try to enforce the payments with further legal proceedings, this could be costly."

These problems are compounded by cuts in legal aid and proposed changes to the way the Child Support Agency (CSA) operates, leaving people with little support. The government last year announced plans to scrap legal aid for couples who want to end their marriage. Penston says life cover and sickness benefit can be arranged as part of the divorce settlement so that if an ex-spouse dies or falls ill, maintenance payments continue.

"But this doesn't satisfy all the eventualities that might occur," he says. An insurance policy, called New Start, has been developed to fill this gap. It covers shortfalls in maintenance payments following an ex-spouse being made redundant, dying, or falling ill – and it pays for legal representation to enforce payment where the ex-spouse willfully defaults on payments. It is provided through Maintenance Assist, an insurance broker authorised by the Financial Services Authority.

Henry Glasse, the managing director of Maintenance Assist, said: "Our aim is to restore financial security to recipients of maintenance and we also provide a free legal helpline for support. Quite often, for example, the husband will start a second family with another woman and the competing pressures can lead to the maintenance being cut for his first family.

"The proper course of events is for the husband to go back to the court to request a reduction in the maintenance, but often he just stops paying and waits for the ex-wife to take him back to court. With the government actively encouraging individuals to make private arrangements for child maintenance, rather than going through the CSA, we feel our service is what people will be looking for."

The policy is available to people with a legally binding consent order, and premiums are paid monthly with a choice of two packages. The standard package covers lost maintenance for a year while the gold option pays out for 24 months. But it isn't cheap – premiums start from around £16 a month covering monthly maintenance of £300 – a lot for those on the breadline.

David Allison, the chairman of Resolution, the family lawyers' association, says: "This policy has its place for some people. Maintenance payments often stop because of temporary financial difficulties or the person simply being difficult – and this would cover for the period while steps are taken to resolve this. But it can be quite expensive, and we often factor life insurance into maintenance payments so that payments would be covered if the maintenance payer dies."

However, Ginny Colman, family lawyer at Birketts, believes these policies for protecting income streams post-divorce are becoming a vital tool. "They offer certainty and peace of mind for clients during a vulnerable time, and most clients have already spent significant sums in reaching a financial settlement and they are keen to avoid further distress," she says.

Penston adds: "We have dealt with two cases with clients paying £60 and £100 a month for this policy, both covering £1,500-a-month maintenance payments – but the first policy would pay out for a year if a claim was made, while the second would pay out for two years. The claim would therefore amount to around £36,000, which is a hefty sum and makes the cost worthwhile – covering maintenance payments might be considered a necessity for some people."

The insurance can be factored into the divorce settlement. "The divorcing parties both fill in various forms during the divorce declaring their income, assets and anticipated expenditure," says Glasse.

"So the cost of maintenance insurance can be added to the list of expected outgoings such as household insurance and mortgage costs, and we can give quotations at an early stage so that the cost can be estimated. The wife will often be awarded maintenance for herself based on covering the expenditure listed."

For information on New Start contact Maintenance Assist on 01449 798163. For impartial advice on court orders for maintenance, contact Child Maintenance Options on 0800 988 0988. To contact the Child Support Agency, call 08457 133133.

Sunday 26 June 2011

Benefit cuts: single mothers are the biggest losers....


Lone Mums can expect to lose up to 8.5% of their annual income - equivalent to a month's income every year - as a result of Coalition changes to tax and benefits, says a study...

Another day, another study which shows that the effects of the cuts will impact hardest on those who are, collectively, some of the most vulnerable. Lone parents are the big losers from the Coalition's reforms to tax and benefits, and single women find themselves worse off than single men, says a new report.

How much worse off? The study, by the Fawcett Society and the Institute for Fiscal Studies, estimates that

• Single women will lose an average of just under 5% of their annual income as result of changes to the tax and welfare system by 2015
• Lone mothers can expect to lose 8.5% of their annual income by 2015, equivalent to a month's take home income every year and three times the percentage amount the average childless couple will lose

According to Anna Bird, acting chief executive of the Fawcett Society:

"The results are clear: women are bearing the brunt of cuts... Some of the least well off in our society are being forced to act as shock absorbers for the cuts, with women – in particular single mothers - faring worse."

In a sense this impact is predictable: lone parents are particularly reliant on income from benefits and tax credits, and 92% of lone parents are women. They are being hit badly because the value of benefits generally is shrinking (because of changes in the way they are uprated), while others are being reduced, frozen or withdrawn: housing benefit, child benefit, Sure Start maternity grants, and the childcare element of the working tax credit.

Interestingly, the government has argued that this kind of analysis was impossible. Last summer the Fawcett society launched a judicial review of the June 2010 emergency budget on the grounds that the chancellor had failed to take proper account of the impact of his policies on gender inequality (the challenge was subsequently dismissed). The Treasury argued in its defence that it was:

"...not possible accurately to assess the extent to which Budget measures affect women and men"

This study argues that it is, and that the government not only has a legal duty to use its own more comprehensive data to do so, but should build it into its future budget plans to ensure fairness. According to Bird:

"This puts paid to the idea that the government can't anticipate or predict the impact of its fiscal policies on different demographic groups. Had the Treasury been doing this research in the first place, single mothers might now not be facing a situation where they can't afford childcare and so can't work, and where some of the poorest women in our society are right now getting poorer."

When I spoke to the Treasury this morning they had not prepared a response (I'll update the blog if they do).
One way of escaping the benefit squeeze, of course, would be to encourage single parents into paid work. Labour developed this policy, and the Coalition has accelerated it. Lone parents whose child has reached the age of five will from October be moved from income support to job seeker's allowance, requiring them to actively search for work and accept a job if offered. Fine, except that it is increasingly hard to get work, particularly work that is flexible enough to meet the childcare needs of single parents, and childcare itself is increasing scarce and expensive.

The Fawcett society calls this the "lone parent employment challenge":

"At the same time as the coalition government introduces wide-scale welfare reform with the intention of "making work pay", they are reducing the level of support for childcare and training costs that help lone parents into work."



Update Thursday 23 June, 5.45pm
The Treasury has now responded to the Fawcett report. I think what it is trying to say is that it disputes the conclusion that single mothers will be worse off as a result of benefit changes. Here is the comment from a
Treasury spokesman:

"Cutting the deficit and getting the economy going again is good for everyone. This has meant tough decisions, but the Government has made these in the fairest way, taking real action to benefit women in all aspects of their lives. Child Tax Credits have been increased for the poorest families and action taken at the June Budget will give around 25,000 lone parents the support needed to help them back to work. What's more, 260,000 women will be taken out of tax by the Government's increase in the Income Tax personal allowance."

"The IFS itself has acknowledged that the Treasury has published unprecedented distributional analysis since June 2010 and that the analysis in this report is incomplete, as it excludes the impact of Universal Credit. In a previous report the IFS has made clear that single women will benefit more on average from the Government's Universal Credit than single men."
http://www.guardian.co.uk/society/patrick-butler-cuts-blog/2011/jun/23/single-mums-biggest-losers-from-benefit-cuts

Live Q&A: Maternity and paternity proposals with Edward Davey.......

Government proposals on maternity and paternity leave and extended flexible working will impact on parents and employers. Put your questions to employment relations minister Ed Davey...

Flexible working hours, family friendly employment practices that allow a good work-life balance, flexible parental leave that can be shared by mothers and fathers. It sounds ideal if you are an employee, but how practical is it for employers?


The government has published proposals saying that while mothers should retain the exclusive right to 18 weeks' maternity leave, and fathers will still get two weeks of ordinary paternity leave, the remainder of the existing maternity leave should be reclassified as parental leave and be made available to either parent on an equal basis. They could take leave at the same time, take it on a part-time basis, or break the leave into two or more periods. The government is also considering extending unpaid parental leave beyond the current limit of the child's fifth birthday.


It also wants employers to extend flexible working practices to all employees who have been employed for 26 consecutive weeks, and not just for those with children under the age of 17 or disabled children under 18. And it is consulting on legislation to force employers to put equal pay for men and women into practice.


Parents have reacted with delight, but employers and those representing them have big reservations. Eve Taylor, founder of an aromatherapy and skincare business, says: "Please can someone tell me how this is to be paid for and by who – small companies cannot pay out all this money."


Employment relations minister Ed Davey will be online on Tuesday 28 June at 2.30pm to explain the proposals and answer your questions on the subject. He is very keen to hear from parents – prospective and current – and employers including those running SMEs.

To post your comments and queries, please follow the link below..

http://www.guardian.co.uk/money/blog/2011/jun/24/maternity-paternity-proposals-edward-davey

Pregnant? Wait till the boss hears....

Just days after telling her employer she was pregnant, Danniella McClain was made redundant. And the number of similar cases of sexual discrimination is rising.

Be open, honest, and unapologetic – this is the approach pregnancy manuals advise women to take when informing their employers they are going to have a baby. Most manuals also recognise that this can be one of the most stressful parts of early pregnancy.

Danniella McClain, 28, waited until she reached the 13-week milestone and had seen the foetus on a scan before telling her boss. She was anxious, but fairly confident that it would be a straightforward conversation. Within seconds it was obvious the news was unwelcome; within days she was made redundant.

After a protracted legal battle, McClain won a claim against her former employer on the grounds that he had subjected her to sex discrimination, related to her pregnancy, when he dismissed her. The case represents a rare legal success in an area of discrimination that often goes unchecked. Although news of large payouts to City executives make occasional headlines, cases involving relatively low-paid women who are either sacked or bullied into resigning are far more common, and yet go to trial far less frequently – usually because the women are unable to afford basic legal advice.

McClain's story is striking because it is such a brazen instance of an employer taking rapid action to dispense with a staff member on hearing news of her pregnancy. McClain came in to work at the London estate agents, Hogarth, where she had been employed for nine months, on a Monday morning in late September 2009, noted that the company's owner was in a good mood, and decided this was the moment to tell him her news. His response was not what she had expected.

"He said: 'Right, right . . . OK'," she recalls. "He didn't smile. He didn't say congratulations. He didn't know what to say; it was like he was in deep shock."

A few days later, concerned that nothing more had been said about arrangements for her pregnancy, she decided to put her due date and proposed departure into writing, and left an envelope on his desk. She says she was able to watch as he opened the letter, observing his actions reflected in her computer screen.

Moments later he asked if he could have a word with her. "He said: 'We are making your role redundant. I'll give you a month's notice. I'll give you your commission'," she says. He told her she didn't have to work her notice, and that was all he said. The conversation lasted less than a minute, she thinks.

"I walked out of the office and started crying. I'd gone in at 9am that day and I was out by 9.18. It was over very quickly," she says.

Since the financial crisis began, there has been a sharp rise in the number of women who have lost their jobs as a result of pregnancy, campaigners and lawyers report. There are no precise figures to illustrate their concern, but the campaigners' assessment reflects a clear increase in the numbers of people contacting lawyers and support groups to take legal advice.

Rosalind Bragg, director of the advice and campaigning group Maternity Action, says: "Before the crash, 30,000 women each year lost their jobs because of pregnancy discrimination. The situation has become much worse since the economic downturn. We see a lot of cases of pregnant women and women on maternity leave who are selected for redundancy because of their pregnancy."

The organisation has also advised a lot of women whose employers have made life unbearable since they announced their pregnancy, many of whom have subsequently resigned, Bragg says. Because of the time and costs involved in taking legal action, the majority of women do not pursue their employers, she adds. "Women on low wages find it particularly difficult to find the resources to take legal action against their employers and will receive only modest payouts if they succeed."

She points to a new willingness among some employers to complain openly about maternity rights. Alan Sugar caused outrage when he said maternity laws meant "people are entitled to have too much; everything has gone too far", and his comments were echoed more recently by Simon Murray, chairman of the commodities trading company Glencore, who said: "Pregnant ladies have nine months off. Do you think that means . . . what I'm absolutely desperate to have is young women who are about to get married in my company, and that I really need them on board because I know they're going to get pregnant and they're going to go off for nine months?"

Bragg says: "There is widespread acceptance of pregnancy discrimination amongst employers. While Alan Sugar has spoken publicly about his views, many other employers privately follow his lead. Very few women take any action over pregnancy discrimination so most employers will get away with it. A government survey found that 24% of men thought that women on maternity leave should be made redundant before anyone else."

Losing her job was devastating for McClain. She had not planned to get pregnant and had deliberated hard about going ahead as a single parent.

"It was really hard; it makes me teary to think about it," she says, trying (without success) not to cry at the memory of the weeks that followed her dismissal. "It should have been a really happy time. I can't tell you how stressed I was for the first part of my pregnancy. I was angry. I was scared. I didn't know how I was going to live. I rent – I have bills to pay. I had to get benefits, which I'd never done before. I felt really let down. I felt really alone.

"One of the major reasons I had decided to go ahead as a single mum was because I felt secure – I had a job, I could pay the rent. I really questioned myself – asking myself if I was doing the right thing." Now – she stresses – she's thrilled that she went ahead with the pregnancy, and says: "It was worth it 100 times over, obviously." But at the time losing her job made her very uncertain about her choices.

"I thought: I'm on benefits; I have no job; I didn't know how I was going to get another job. I did try, but it is hard when you are pregnant to get a new job," she says.

The case did not involve maternity payments, because McClain was not eligible for them, but focused on her employer's decision to not hold her job open for her, and addressed whether his argument that she was being let go because of unrelated company restructuring was plausible.

A colleague told the tribunal that McClain's boss, Alun Dufoo, had taken her aside on the day that he had heard the news. "Alun told me that he intended to let Danniella go as he did not see how she could continue to do her job . . . Alun has not hid the fact that he thinks Danniella is making a bad choice in regards to her pregnancy," the court transcript states.

The day after she was told she was being made redundant, McClain heard from a colleague that her boss had offered her job to someone else in the office.

Dufoo argued that there were issues with McClain's competence and also that the redundancy was related to the financial downturn, but the tribunal found for her.

Camilla Palmer, a specialist in pregnancy discrimination with solicitors Leigh Day, who represented McClain, says: "There was absolutely no issue with the job she was doing. The timing was highly suspicious."
She says she has seen a huge increase in the numbers of women contacting her in the wake of the recession, adding: "We're not talking about whole departments being made redundant, but the one person out of 10 employees who is pregnant finding that they are the only person to be made redundant."

She says that employers often make stereotypical assumptions about pregnant women - that they will only come back part-time, that they will be less committed to the job, that they will no longer be willing to be at the employer's beck and call - and decide that it is inconvenient to continue employing a pregnant woman. Sacking someone when they are pregnant "can destroy enjoyment of pregnancy and cause huge stress and high blood pressure", she says.

"I would add that, without strong protection for pregnant women and new mothers – which is properly enforced — we will never achieve gender equality."

The company went into liquidation during the course of the case, but McClain's lawyers were successful in bringing an individual case of discriminatory dismissal against Dufoo, who is now working with estate agents Hogarths Estates, at the same address in Earl's Court.

McClain was awarded £21,925.20 in recognition of loss of earnings and injury to feelings, but has not yet received the money from Dufoo. Contacted by telephone, he said the money had not been paid because his lawyers were preparing to appeal.

"Even when a woman gets a judgment in her favour, she can still face a struggle to get the payout. The cuts to Legal Aid and advice services will make it harder for women to solve these problems," Bragg says, calling on the government to do more to raise awareness about the rights of pregnant women and new mothers at work. "It is not acceptable for the government to sit back and leave it to individual women to confront their employers. The problem is not going away."

McClain says she is thrilled to have won the case, but is still looking for another job – her search hampered by the ripple effects (practical and also in terms of self-confidence) of losing her job at such a sensitive time.
"I am relieved and happy that the court process is over and that justice was served, but it is incredibly difficult now, just trying to find new work," she says.

• For advice on pregnancy rights, visit Working Families or Maternity Action