Catastrophes hit Lloyd’s profits

Deepwater Horizon ablazeThe BP rig explosion and subsequent oil leak was one of many catastrophes this year, Lloyd’s said

Lloyd’s of London, the world’s biggest insurance market, has reported a 50% fall in profits for the first half of 2010 as a result of costs from the Chilean earthquake and Gulf oil spill.

Pre-tax profits came in at £628m compared with £1.32bn a year earlier.

Lord Levine, the market’s chairman, described the period as the “costliest on record”.

The market paid out a total of £5.9bn in claims during the six months, £365m more than a year ago.

“We have seen a higher number of catastrophes this year than we have seen for the past 20 years,” Lloyd’s chief executive Richard Ward told the BBC Radio 4’s Today programme.

“We have not had a bad year, we have just had more claims to pay.”

He estimated the net loss to Lloyd’s of the Chilean earthquake at $1.4bn (£886m), while the the Gulf oil spill cost the market between $300m and $600m.

Mr Ward also said snow storms in the US, wind storms in Europe, and earthquakes in China and Haiti had contributed to the high claims payout for the period.

He also confirmed that Lloyd’s had not insured the Commonwealth Games as there was not enough information to price the risks involved satisfactorily.

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President dismisses Moscow mayor

Russian President Dmitry Medvedev (left) and Moscow Mayor Yury Luzhkov (right), in a file photo from September 2008Yuri Luzhkov (right) was once tipped as a future president

Russian President Dmitry Medvedev has signed a decree firing powerful Moscow Mayor Yuri Luzhkov, Russian media say.

They quote the presidential press service as saying that Mr Luzhkov, 74, was removed because he had lost the president’s trust.

In recent weeks Mr Luzhkov – who has been in office since 1992 – had faced harsh criticism from the Kremlin.

The move follows weeks of speculation that Mr Luzhkov would be be forced out after disagreements with the president.

Mr Medvedev stripped Mr Luzhkov of his post “because he has lost the trust of the president of the Russian Federation”, Itar-Tass news agency reported.

The mayor’s first deputy, Vladimir Resin, was appointed the acting head of Moscow.

Mr Luzhkov has recently been criticised by state-run TV for gridlock on the capital’s roads and bulldozing of historic buildings. He and his billionaire wife have been also accused of corruption.

Mr Luzhkov denounced all the claims as “total rubbish”, designed to make him “lose his balance”. He has threatened to sue the TV channels concerned.

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Suicide bomb kills Afghan deputy

A deputy Afghan provincial governor has been killed in an explosion while travelling in car, police say.

At least four others in Mohammad Kazim Allahyar’s vehicle were killed in the blast in Ghazni city, they said.

Ghazni province police chief Zarawar Zahid said the bomber rammed into one of the vehicles in the two-car convoy, sparking a large blast, AP reported.

It said Mr Allayar had been in post for more than seven years and had survived a bombing attempt just two months ago.

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Man charged with 1981 RUC murder

A 54-year-old man has been arrested by detectives investigating the murder of a policeman in 1981.

RUC Reserve Constable John Proctor was shot in the Mid Ulster hospital car park as he visited his wife and their new-born son.

The 25-year-old had been an RUC reservist for two years.

The man was detained in Swatragh in County Londonderry on Monday morning by officers from the PSNI’s Serious Crime Branch.

He was taken to Antrim police station for questioning.

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Bad school toilets ‘dignity’ call

School toilet with no toilet roll

Keith Towler says children are still complaining of missing cubicle doors and toilet seats, lack of proper washing facilities and general state of repair.

School pupils still putting up with poor toilet facilities should be shown more respect, says the children’s commissioner for Wales.

In his annual report, Keith Towler said with public sector budget cuts looming there was a need to “get the basics right” to protect children’s dignity.

“Regrettably, children and young people continue to raise issues around the state of school toilets,” he said.

The assembly government is preparing guidance for schools and councils.

Mr Towler said his third annual report was being published against a background of shrinking public budgets.

He said he wanted to highlight areas fundamental to a child’s development where progress has been lacking.

“It seems to me that in a time of financial uncertainty we should be focusing efforts and budgets on getting the basics right for children,” he said.

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Mr Towler said this involved making sure there were systems in place to protect children from harm and abuse, as well as ensuring that school pupils’ dignity and respect were preserved by providing them with adequate toilet facilities.

The commissioner said he had hoped last year’s report would be the last time that he would have to speak out about the state of school toilets.

Mr Towler said he was beginning to “sound like a broken record” on the subject but pupils were still raising the issue, which was a matter of dignity, as well as health and hygiene.

He added that there was continued evidence of inequality across the country, with pupils in new schools benefiting from good facilities and others still having to use inadequate toilet facilities.

Keith Towler, Children's Commissioner for Wales

“ It’s about dignity and respect. Surely, a fair society for children would show more respect”

Keith Towler Children’s Commissioner for Wales

Mr Towler added: “It’s really not good enough that we find ourselves in 2010 where children are forced to use toilets with no seats or doors on the cubicles, with inadequate washing facilities, and feel so strongly about it that they avoid using the toilet during the school day.

“It’s about dignity and respect. Surely, a fair society for children would show more respect.”

Despite this issue, Mr Towler’s report said it had been “a significant year” for children’s rights in Wales.

He welcomed new action to address child trafficking, and new guidance requiring local authorities to seek and take account of children’s views on school reorganisation.

Ahead of the UK government’s announcement of public sector cuts in October, his report said resources needed to be examined at a national and local level to make sure services adequately reflected the needs of children and young people.

“The current budgets and forthcoming spending review and settlements mean that it is more important than ever that accurate and detailed budgeting for children is carried out on a rights-based approach,” he said.

“Only in this way can we ensure the most vulnerable children are protected.

“There has been a commitment by Welsh government to develop a system which should improve budget forecasting but I’m fearful of the loss of momentum.”

ISSUES RAISED WITH COMMISSIONERAdvice – 49 casesBullying – 18Child Protection – 20Education – 165Environment – 45Family Law – 58Health – 49Housing – 12Immigration – 37Legal – 10Social Services – 120Youth Justice – 41TOTAL – 624Source: Children’s Commissioner for Wales Annual Report 2009-10

The report also covers the main areas of work for the office of the children’s commissioner over the last 12 months.

This included the publication of a report about the learning experience of children and young people, Listening and Learning, and the handling of individual cases ranging from issues within the youth justice system to the environment.

The commissioner has been running regular surgeries at various young offenders’ institutions, where issues such as accommodation and training were raised.

The Welsh Assembly Government welcomed the report, saying children’s and young people’s rights remained one of its top priorities.

With regard to the issue of inadequate school toilets, a spokesman said: “Responsibility for the provision of adequate school toilet facilities rests wholly with local authorities.

“We are however aware of concerns and are in the process of preparing best practice guidance to assist school governing bodies, headteachers and local authorities.”

Mr Towler will be scrutinised later by assembly members on the content of the report and accounts.

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Golf clubs battle membership drop

US Ryder Cup team vice-captain Tom Lehman during a practice session at Celtic Manor golf course in NewportThe profile of the sport is high during events like the Ryder Cup in Newport

Golf clubs in Wales are battling a long term fall in membership with a warning some may not survive.

The profile of the sport has never been higher with the Ryder Cup teeing off at the Celtic Manor in three days time.

But many clubs are increasingly looking to visitors to keep going due to an ageing and declining membership.

Around 40 new nine and 18 hole courses have opened in Wales in the last 20 years with fears there are now too many chasing too few members.

The Golf Union of Wales said it was working with clubs to help them tackle the problem and to increase participation in the sport.

Last year it undertook a major survey on the health of Welsh clubs and said it remained a fair reflection of 2010.

A total of 107 of the 159 affiliated clubs took part with 69% reporting falling membership and just 13% saying it was increasing.

Only 8% said they were not actively seeking new members and only 8% had a waiting list.

Almost a third said annual income had decreased since the year 2000.

Keith Lloyd, chief executive of the Golf Club Managers’ Association, said it was not just a problem in Wales, but across the UK and other countries including the Unites States and New Zealand.

“There’s an awful lot more people playing but not joining golf clubs,” he said.

“It’s a trend which has happened over the last 10 years but the last three or four years have been particularly bad.”

Mr Lloyd said it was golfers in the 25 to 40-year-old age bracket that no longer tended to join clubs but played on a pay-per-round basis – they have been termed ‘nomadic golfers’.

Golf clubs in WalesThere are 159 clubs affiliated to the Golf Union of WalesThe majority directly employ between four and eight full-time staff with part-time and seasonal posts on top.The average annual membership fee for men is £494 and £462 for women.The average club has 271 adult male members, 45 adult women, 39 male juniors (18 and under) and five female juniors.12% of clubs have an annual income under £100,000 while 13% have an income over £700,000.87 of the 98 clubs responding to the question of the most pressing issue facing them said membership.Source: Golf Union Wales Club Survey 2009

Research by the association found while most clubs were still on a sound financial footing around one in 20 were in serious trouble.

Mr Lloyd, who has run clubs in Aberdare and Cardiff, said since the late 1980s over 800 new courses had been built in the UK and he believed there were around 100 too many.

“Sadly, yes, I can see some closing,” he said.

“My real worry is none of us really know the answer because we are not sure where it [the declining trend in membership] is going to stop.”

In Wales around 40 new nine and 18 hole courses have opened in the last 20 years – including the Twenty Ten Course where the Ryder Cup will be played.

Hannah Fitzpatrick, of Golf Development Wales, established as a direct result of the successful Ryder Cup 2010 bid, said it was working to address the membership challenge as the health of golf clubs was vital to the sport.

Membership packages

“Membership over the last few years is going down but participation in golf is going up,” she explained. “Golfers are choosing to play differently.”

Most clubs rely on membership for the bulk of their income although many increasingly look to visitors as well.

She said help was available for them to draw-up business and marketing plans and to offer free ‘taster’ or coaching sessions to attract new players – particularly women and juniors.

A Golf Awareness Week run in the spring resulted in 700 new members and 200 trial members for the 100 clubs in Wales that took part. It will be repeated next year.

She said clubs needed to offer more flexible membership packages for those who did not play regularly and work harder at retaining members by providing added value.

“We also need to learn from the nomadic golfer – talk to them about their needs and what would persuade them to join a golf club,” she added.

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Newspaper review

Papers

The Miliband brothers are once again dominating the headlines, as the newspapers ponder Ed’s first speech as leader and David’s political future.

Ed Miliband’s address to the Labour conference will be a damning rebuke of his predecessors, Tony Blair and Gordon Brown, says the Independent.

The Daily Mail thinks Mr Miliband’s most pressing task is to demonstrate he is more than a union puppet.

The Daily Telegraph says he must declare where he stands on the deficit.

According to the Times, private polling for the Conservatives suggests David Miliband would have been more popular with voters.

The Daily Mail thinks the older Miliband is on the brink of walking away from front-line politics.

The Times tells him to go, comparing the brothers’ rivalry and relationship to the Blair-Brown split.

“David Miliband’s dignity in defeat”, says the Daily Mirror, is a reminder to Labour of what it missed.

The Daily Express leads with comments by the deputy governor of the Bank of England, Charles Bean.

“We must spend to save Britain” is how the Express paraphrases it.

The Guardian reports Shell bought nearly £1bn worth of crude from Iran’s state-owned oil company during the summer, as tougher international sanctions were being imposed on Tehran because of its nuclear programme.

The papers says Shell is not accused of acting illegally but it thinks the company’s actions will expose it to growing political pressure.

Emma Thompson makes the Daily Telegraph’s front page for criticising teenagers’ sloppy use of English.

The actress apparently told girls at her old school that saying “innit” and “like” made them sound stupid.

The Sun has noticed that Cadbury has dropped its famous “glass and a half” slogan from Dairy Milk wrappers.

Instead, they now carry the metric message: “The equivalent of 426 millilitres of fresh liquid milk in every 227 grammes of milk chocolate.”

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Councils ‘add credit card fees’

Credit cardsSeveral councils have started imposing credit card charges

Councils are adding charges of up to 3% to bills for council services in some areas, if customers choose to pay by credit card, Which? has discovered.

Its Freedom of Information requests found at least 55 councils were making credit card charges, with 12 adding 2% or more to the cost of services.

Two councils were charging for both credit and debit card transactions.

Seven councils have started imposing card charges in the last year and several have plans to to bring them in.

Processing fee

Bath and North East Somerset Council imposes a surcharge of 3% on council tax payments, planning applications and parking permits, if a credit card is used.

Airlines, cinemas and travel companies blazed the trail with card charges. Now the practice appears to be spreading.

Local authorities explain they are simply passing on a charge levied by banks for processing credit card payments.

But many of them add an administration fee on top.

In Bath, the council says it pays around 2% for processing and an extra 1% to a firm which handles the payments.

Other councils report that the total cost to them is little more than 1%.

“There’s certainly a cost for paying by card,” says James Daley, editor of Money Which?

“But there’s also a cost to every company to keep the lights on and we don’t see an extra charge for that.”

‘Worked into price’

Both Which? and Visa would like to see the charges removed entirely.

Visa argues that it actually costs more for councils to process cheques and cash.

And Mr Daley says: “The cost of paying by card should be worked into the price that you pay for the service”

Charges for paying by card are banned in several EU countries, including France, Germany, Italy and Portugal. But in the UK the practice appears to be spreading.

This article is from the BBC News website. © British Broadcasting Corporation, The BBC is not responsible for the content of external internet sites.

Minister backs local TV stations

Jeremy HuntJeremy Hunt believes British TV is too centralised

Culture Secretary Jeremy Hunt is set to call for a new “landscape of local TV services” in towns and villages around the UK.

In a speech to the Royal Television Society, he will set out his vision of stations “broadcasting for as little as one hour a day”.

But a government-commissioned report says advertising revenue alone will not be enough to support the new companies.

It said a multimillion-pound corporate sponsorship deal might be the answer.

Nicholas Shott, of investment bankers Lazard, was commissioned by Mr Hunt’s department to investigate the local TV proposals.

His interim report suggests a multimillion-pound corporate sponsorship deal could be one way to make them work, citing Barclays’ backing of the London bicycle scheme as an example.

In a letter to Mr Hunt, Mr Shott said the TV stations were more likely to succeed in urban areas, but even there “the economics of a TV business funded mainly by advertising will still be challenging” and “additional revenue sources” would have to be explored.

He added that stations could be hosted by existing channels and discussions had started with senior management at the BBC which were showing “early promise”.

BBC media correspondent Torin Douglas says Mr Hunt has long believed British TV is too centralised, lacking the local stations found in the US and mainland Europe.

Mr Hunt has not convinced most media executives, who doubt local TV can flourish here, particularly since the recent slump in advertising, our correspondent said. But the minister is said to think future generations will find the idea that the UK cannot sustain local TV ‘quaint’.

In his speech in London later on Tuesday, Mr Hunt is expected to set out his vision of local TV services, broadcasting via digital TV or broadband, and free to link up with each other to cut costs and appeal to national advertisers.

He will say an expansion of superfast broadband and the removal of cross-media rules preventing companies controlling newspapers, television and radio stations will help encourage a new wave of multimedia enterprises.

A BBC spokesman said: “We are exploring potential ways in which the BBC could support the planned new local TV services, and partner with them where this makes sense for licence fee payers and sustaining plurality in news provision.”

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