at this time of year my mind turns to the seafront fire of 1998 when i was fresher at Aberystwyth.

Since then the halls have all bee n refurbished and better alarmed under a private company like the hotels and care homes.

However these seafronts also have nineteenth century buildings or HMOs which have large numbers of residents unable ot maintain both the insurance premium and the day to day maintenance unless they are under housing association or local authority / county council ownership where differring laws of tenancy apply.

As such a housing assn is needed for teh Town council to use WDA grants to buy the less repaired housing such as South Marine Terrace and turn it inot postgrad housing at better maintained standards, after all its what the Polish builders did for Acton and Ealing in London.

This requires a civil contingencies map and assessment as done during teh second world war in london after each nights blitz or doodlebug damage and displayed on the uni website like the walking speed and pacing initiative of a few years back in conjunction with the environment agency. The person there to contact is Cedric Moon.

Then teh College can finally sort out teh basement of its old college building (probably the location of Neil Hamiltons and my exam papers).

www.moneymadeclear.org.uk

Run by:

Consumer Financial Education Body

To order Moneymadeclear guides, or for geberal information or guidance.

0300 500 5000

Typetalk: 1800 1 0300 500 5000

Moneymadeclear guides

Equity Release

Insurance

Making the most of your money

Making a complaint

Mortgages

Pensions

Proving your identity

Saving and investing

On their website you can find:

Comparison tables where you can compare mortgages, pensions and savings accounts

A financial healthcheck to help you identify your financial needs.

A pension calculator to see how much income you might get when you retire-from what you save now or in the future.

A mortgage calculator to help you estimate your monthly mortgage payment

Go to tools and calculators at www.moneymadeclear.org.uk

Call rates may vary- check with your service provider for their charges.

Financial services authority (FSA)

Consumer helpline: 0845 606 1234

Minicom / textphone 0845 730 0104

www.fsa.org.uk

To check the FSA Register or to report misleading financial adverts and promotions.

Finding financial advisers / planners

Unbiased.co.uk

www.unbiased.co.uk

For independent financial advisers or mortgage advisers in your area

Institute of Financial Planning

www.financialplanning.org.uk

For help in planning your finances

My local adviser

www.mylocaladviser.co.uk

For mortage, insurance or investment adviser in your area.

The personal Finance society

www.findanadviser.org

For financial advisers in your area.

Ethical Investment Research Service

www.yourethicalmoney.org

Information about product providers and other sources who provide ethical investments, mortgages or insurance.

Institute of insurance Brokers (IIB)

Higham Business Centre

Midland Road

Higham Ferrers

Northamptonshire

NN10 8DW

01933 410 003

To find an insurance broker

Trade associations that provide information about financial products and services

Association of Private Client Investment Managers and stockbrokers (APCIMS)

22 City Road, Finsbury Square, London EC1Y 2AJ

www.apcims.co.uk
provides a free directory of its member stockbrokers and investment managers in the UK, Channel Islands and Republic of Ireland, or you can search on their website

Association of British Insurers

www.abi.org.uk

Produces a series of free information sheets for consumers, covering life insurance; pensions; and motor, household, travel and medical insurance.

Association of Investment Trust Companies (AITC)

9^th floor

24 Chiswell Street

London

EC1Y 4YY

Orderline: 0800 085 8520

www.itsonline.co.uk

Produces a range of free brochures and factsheets which explain investment trusts and how they can be used in financial planning.

 British Insurance Brokers Association (BIBA)

14 Bevis Marks

London EC3A 7NT

0870 950 1790

www.biba.org.uk

For a list of brokers in your location and the insurance you’re looking for.

Council of Mortgage Lenders (CML)

www.cml.org.uk

Produces free online factsheets and leaflets about mortgages, buy to let and equity release.

Investment Manangement Association (IMA)

65 Kingsway

London WC2B 6TD

Information Pack Orderline

0207 269 4639

www.invesmentfunds.org.uk

Produces free factsheets on a range of subjects including ISAs, Unit trusts and investment funds.

Other organisations that can help you

Complaints and compensation

Financial Ombudsman Service

South Quay Plaza,

183 Marsh Wall

London E14 9SR

0845 080 1800 or 0300 123 9 123

www.financial-ombudsman.org.uk

Financial services COmpensation scheme

5^th Floor,

Loyds Chambers
portsoken street,

London,

E1 8BN

0207 892 7300 or 0800 678 1100

www.fscs.org.uk

£85000 savings now protected per account

The pensions regulator

Napier House

Trafalgar place

Brighton

BN1 4DW

0870 606 3636

www.thePensionsregulator.gov.uk

For information about occupational pension schemes

www.moneyadviceservice.org.uk

for advice from the UK regulators on the micro economy

sir jimmy saville

RE: allegations against sir jimmy saville I think he probably had a porn addiction that was fed rather than treated and celebrity went to his head. The BBC is just the successoir of many public entertainment varieties back to teh days of shakespeare.

If younger than 13 in the UK he'd be on a life sentance, 13-16 sectioned or convicted if proved, and 16-18 under social services investigation.
Wh...

y anyone that age would want to be attracted to someone that older is a matter for the social services to ask them. My own hunch is those that pose might want acceptance. However magazines and videos that are open distribution across the wwweb leave them open to vulnerability in later life themselves, videos the classroom joke of teh 1990s and magazines a amateur photo industry.
SCots law allows marriage at 14, spanish at similar age. so the issue of peado rape is not one that can historically be resolved Euro law wide. Love and sex are what drive humanity on from one generation to the next and if anyone can think of better ways of teaching it, email Mgove@parliament.uk and your own faith community (equally divided on these matters).

Missing girl in Machynlleth

THis is left to the experts not becasue some sicko might joke theat the welsh are sheep shaggers but because the area is exceptionally tidal and in need of thorough searching safely as well as highly hilly. Please find her safely and help her family.

James Ware