Limerick Senator expresses concern with high costs of motor insurance

first_imgNewsPoliticsLimerick Senator expresses concern with high costs of motor insuranceBy Staff Reporter – February 15, 2018 1520 Living City review to focus on poor response in Georgian Limerick TAGSCentral Statistics OfficeFine GaelMaria ByrneMinster for Finance Previous article​​Limerick tops the rankings as one of Europe’s Cities of the FutureNext articleCoillte Biking Blitz glides back to Limerick Staff Reporter Facebook Advance sale of graves could lead to cemetery ‘apartheid’ RELATED ARTICLESMORE FROM AUTHOR WhatsApp Email Limerick Fine Gael Senator Maria ByrneLimerick based Senator Maria Byrne raised the issue of the high costs of motor insurance with her Fine Gael colleague, the Minister for Finance, Paschal Donohoe, TD.Senator Maria Byrne says that while figures from the Central Statistics Office (CSO) released in 2017 showed a 14% drop in the cost of motor insurance, costs still remain high and there is much more work to do to make motor insurance affordable. Senator Byrne said: “While this 14% decrease is encouraging, costs still remain high and there is much more work to do to make motor insurance affordable for people across Ireland.“Fine Gael recognises that it is possible for the State to play a role in helping to stabilise the market and deal with factors contributing to the cost of insurance.  For this reason the Cost of Insurance Working Group was established in 2016.Sign up for the weekly Limerick Post newsletter Sign Up “I welcome the announcement from the Minster of Finance, Minister Donohoe that the fourth quarterly update on the implementation of each of the 71 recommendations contained in the report will be published in the coming days and that work is continuing on the development of an insurance fraud database in the Department of Justice and Equality and an uninsured driving database in the Department of Transport Tourism and Sport.“The government has also approved the General Scheme of a Bill to establish a new National Claims Information Database in the Central Bank that will collect aggregate information linked to claims for private motor business from motor insurers to provide greater transparency on claim trends” She concluded.More about politics here. center_img Print Homelessness is a real worry in Abbeyfeale Advertisement Deputy Tom is fired up for the challenge Linkedin Twitter Sarah’s winning recipe to keep cabin fever at bay Mayor’s driver will earn more than ‘underpaid’ councillorslast_img read more

The cost of change

first_imgSustainable palm oil was barely out of the headlines last month, as food firms lined up to announce they would be switching to ’green’ palm oil in their bakery products.First was Sainsbury’s, which revealed that its own-label digestives and rich tea biscuits would be made with sustainable palm oil, certified by the Roundtable on Sustainable Palm Oil (RSPO), as part of its commitment to move to 100% sustainable supply by 2014. Then came M&S, announcing that it would purchase GreenPalm certificates to cover almost 1,000 products. Some of the first will be cookies and oatcakes, as the retailer moves to 100% sustainable supply by 2015. Ginsters has also signed up to the scheme.Not to be outdone, United Biscuits let it be known that it had signed an agreement with New Britain Palm Oil to buy segregated, traceable and certified palm oil and would source all its palm oil on this basis by 2011.The announcements were undoubtedly timed to coincide with the publication last month of a new WWF palm oil buyers’ scorecard, which rated the performance of producers and retailers across Europe on switching to sustainable palm oil. Several bakery companies were listed, with Northern Foods, War-burtons and Associated British Foods fairly low down the list. Sainsbury’s, M&S and Asda featured in the top 10.”Palm oil production is one of the main causes of deforestation around the world and is a direct threat to species like the orang-utan and the Sumatran tiger, rhino and elephant. Forest loss is also a major contributor to climate change,” explained Richard Perkins, WWF-UK’s commodities officer. “Sourcing palm oil from RSPO-certified sources is the most credible way to ensure companies are not adding to these problems. Even if you are a small user of palm oil then customers may well start asking what you are doing to reduce the environmental impacts of ingredients.”Fully traceable, segregated and sustainable refined palm oil is available from suppliers such as New Britain and can be used in biscuits, but most bakery manufacturers actually use palm derivatives such as olein, stearin and fractions, which are not currently available in sustainable, certified forms. This leaves manufacturers with the option of buying GreenPalm certificates.Under the scheme, run by fats supplier AAK, companies purchase a certificate for every tonne of palm oil they use. This premium is then paid to farmers producing an equivalent amount of sustainable palm oil. Certi-ficates cost around $8, while a tonne of palm oil is around $650.It sounds simple, but there is confusion in the baking industry. “Sustainable palm oil is a worthy cause, but there are issues that need resolving,” said ABIM president Andy Pollard. “It’s not clear who should buy the certificates: the ingredients supplier, the baker or the retailer. It doesn’t make sense for everyone to buy them and it could become confusing.”Judith Murdoch, marketing manager at AAK, said manufacturers and retailers will benefit most from making sustainable claims. “Retailers such as Tesco and Asda are talking to their own-brand suppliers, asking them to move towards sustain-able palm oil by buying Green-Palm certificates in the short term and developing physically segregated, sustainable palm oil in the long term,” she said.The other big issue is the outlay involved in switching to sustainable palm oil. As Pollard said: “Who will foot the cost? Ingredients companies’ margins have been restricted over the years and we would have to pass any extra costs on to our customers, who have also seen margins squeezed. Ultimately we would hope that the extra cost can be passed on to the consumer rather than it having to be absorbed within the already tight margins of those in the supply chain.”These concerns were echoed by several bakery manufacturers we spoke to. “Sustainable palm oil is on our radar, but there are challenges in terms of getting hold of the right quality for our products and the extra costs involved,” said one biscuit manufacturer.Another supplier added: “The big boys are pushing for sustainable palm oil but there is a cost implication and, in most cases, the producer ends up paying for it.”Despite these fears, there are signs that the big retailers are willing to help shoulder the burden. M&S said it would pay for the GreenPalm certificates itself, while Judith Murdoch is confident other retailers will also pitch in. “From my discussions, it seems that retailers are willing to take some of the extra cost into their business,” she said.last_img read more

Iheanacho, Vardy battle for Goal of the Season

first_imgRelatedPosts EPL: Foxes attack Burnley EPL: Vardy primed for another prolific season after brace at West Brom EPL: Underdogs tackle Leicester City Kelechi Iheanacho’s goal against Championship side Brentford in the FA Cup has been nominated for Leicester City Goal of the Season.Iheanacho scored the only goal of the game after just four minutes when he tapped in to send the Foxes into the FA Cup fourth round. The Nigerian will slug it out with Jamie Vardy, James Maddison, Ricardo Pereira, Ayose Perez, Hamza Choudhury and Ben Chilwell for the award.Last season’s ceremony at King Power Stadium saw Ricardo Pereira scoop the Supporters’ and Players’ Player of the Season awards on a memorable evening, and after another fantastic season for the team, there’s plenty of competition for this year’s honours.Other categories to jostle for is the Supporters’ Player of the Season and Young Player of the Season.Alongside these three categories, awards will also be handed out for the Players’ Player of the Season, Development Squad Player of the Season and Academy Player of the Season.Voting for various categories of the awards opened on Wednesday and is billed to come to and end by 12pm on Friday. Tags: BrentfordFA CupJamie VardyKelechi IheanachoLeicester Citylast_img read more

Africa’s first children’s newspaper

first_imgLearn the News is Africa’s first children’snewspaper – which is distributed to morethan 250 schools every week.(Image: Learn the News)MEDIA CONTACTS• Duncan GuyLearn the News+2711 782 [email protected] NdlovuSouth African schoolchildren are reading hot-off-the-press world news in a newspaper, written for them in simple language they can understand. Learn the News is Africa’s first free newspaper for children.Created by Johannesburg journalist Duncan Guy, the newspaper is produced by the South African Press Association (Sapa) a non-governmental news agency. It is funded by the Open Society Foundation for South Africa, a funding organisation founded by renowned currency speculator and philanthropist George Soros.To receive the paper schools have to register as subscriber to the Learn the News website for free. The newspaper is distributed via email free on Tuesdays and Thursdays during school terms. The teachers print out the publication on A4 or A3 paper and put it up in the libraries or information centres where the children can access it. Schools are encouraged to print extra copies and send them to neighbouring schools that do not have access to the internet. Currently more than 250 schools in the country have subscribed to the website.Each newspaper has five news pages: World News; Africa News; Environmental News; Business News; Sport News. There is also a Today in History page. Each issue is illustrated by children from a different school. Guy, who is also the editor of the paper, chooses a school from the list of subscribers and sends a draft copy of the paper to them the day before the publication. They use this draft to illustrate the issue and send it back to Guy for publication.Stories are gathered and rewritten by Guy in simple language that has an easy flow and engages the young minds. The standard adult version of the article runs below, followed by two quiz questions. Difficult words in the adult copy are highlighted and explained in a glossary. This way, there is something in the newspaper for readers at different levels of literacy.“The newspaper makes its way into several school libraries and classrooms. The stories are often displayed around a world map at the schools – with ribbons attached to the map that link the text to wherever in the world the stories come from,” said Guy.The aim of the paper is to promote reading, encourage interest in current affairs and promote general knowledge, he said. “News is sensitively selected to avoid the horror stories that appear in the mainstream media but major world stories are covered using carefully selected angles.”The master edition comes out in English; translators working as part of the Learn the News team put together Afrikaans and isiZulu issues. A worksheet of exercises written in English is also included. This worksheet is based on the content of the newspaper and can be used in the classroom or as homework. They involve problem solving (arithmetic); various English exercises such as comprehension exercises, and word searches; and crossword puzzles.Priceless rewardsGuy, who has 20 years’ journalism experience, started the newspaper in 2005 for his son, Owen, who was seven at the time. He would gather stories from the media and write the stories for his son in a simple language that he could understand. From there, word of mouth ensured its growth. “It went up on the notice board at Owen’s school, then onto the notice board at his friend’s school – and on from there,” Guy said.He said it has been extremely interesting to hear about the different ways in which certain schools make use of the newspaper. “It gets put to use differently, depending on the need for it. It gets used as reading material at some of the more disadvantaged schools where there isn’t anything else available.”At Wynberg Girls’ Junior School in Cape Town, in the Western Cape, an overview of the stories is announced over the intercom system. At St Peter’s Preparatory School, a boys school in Johannesburg, in Gauteng, birthday boys are told what happened on their day in history, using information from the Today in History page.Community colleges around the country have welcomed the newspaper as a great medium for teaching children about the times they live in and also for teaching English literacy to adults.Katherine Smith, a lecturer from Bloemfontein in the Free State province said the newspaper is used in their training of adult learners who are working towards becoming childhood development practitioners. These students will work as teachers or caregivers at pre-schools in their community.“We use it for the communication and literacy component of the student’s national qualification,” she said. “The focus of communication literature is English and for all of our practitioners, English is a second language. Using the newspaper and its worksheet is a great practical way of enhancing, enriching and extending the communication literacy content.”She said the students find the newspaper to be very user friendly and informative, and working through the worksheets is also a very enjoyable way of learning and understanding. “The newspaper has certainly helped us to build on our practitioners’ knowledge and use of English as their second language, in a very novel and practical way.”Deborah Parker, a primary school teacher at Ridge Park Primary in Pietermaritzburg, KwaZulu Natal, said they look forward to each issue. “What is significant is that the paper is free yet it adds so much value in the classrooms.” The paper has helped in extending the pupils knowledge of the world. It has evoked discussions about subjects from outside their own frame of reference.”Parker said the schoolchildren have enjoyed reading about different parts of the world and what is happening. “Pupils are more enthusiastic to do research and learn more about the different topics they read about in the paper.”last_img read more

Can We Crowdfund Our Lives?

first_imgWhy Tech Companies Need Simpler Terms of Servic… Tags:#crowdsourcing#Finance#web mike melanson Related Posts A Web Developer’s New Best Friend is the AI Wai…center_img Top Reasons to Go With Managed WordPress Hosting What do a chipped tooth, a world record and the relocation of a popular café in downtown Oakland all have in common? Each needed money to achieve a goal and, rather than going the usual routes of taking out loans or operating on credit, each found funding through crowd funding.At a panel at Social Media Week in San Francisco today, The Next Web’s Hermione Way led a discussion on the new, age-old form of financing that’s become uniquely possible with the advent of social media.Attending the panel were Jeffery Self, Tammy Camp and Cortt Dunlap, each with an interesting tale of how they used crowd funding to achieve their goals. Self said he raised $3,400 total in just three days to help pay off an emergency root canal and surgery for a chipped tooth that resulted from a misplaced head-butt. Camp, an entrepreneur and kiteboarder, related her 48 hour funding of a kiteboarding world record in the Dominican Republic. Cortt Dunlap told his tale of how he raised enough money to move his local coffee shop to a new location when circumstances caused the lease to be pulled from beneath it. How was this all achieved? Each story hinged on the idea that social media made this sort of crowd funding uniquely possible. That, and a site called IndieGoGo. According to IndieGoGo director of marketing Erica Labovitz, crowdfunding is nothing new, but social media certainly makes a difference.“Crowd funding is nothing new. What’s new about it is that it’s happening on line and through social media,” said Labovitz. “A fun fact that most people don’t know is that the Statue of Liberty was crowd funded. What’s different now is that you have access to so many more people than you otherwise would.”Labovitz said that IndieGoGo, which was founded in 2008, has expanded to more than 160 countries worldwide and currently has more than 16,000 campaigns on the site. While all three panelists offered tales of successful crowd funding, moderator Hermione Way offered that more than 60% of all crowd funding efforts ended unsuccessfully. What, then, had been at the center of their success, she asked? The general consensus, it seemed, was to offer a genuine vision for why such funding was needed and what you planned to do with the money raised. Self said that this video helped with his campaign, while others simply said that it was through existing connections on social media sites that their campaigns really got rolling.If a chipped tooth, a world record and a relocation are all viable crowd-funded projects, then could we not crowd fund our lives, asked Way? Or how about our start-ups?“I wouldn’t say it cancels out VCs at all,” offered Camp. “Maybe it will give you proof of concepts for angel investing. I don’t think it will disrupt that industry, but it will give it proof of concept.”We’ve seen examples of successful startup crowd-funding before. Will this be a new, disruptive force in the tech world? Or will it simply be a new step on the way to economic viability, somewhere between bootstrapping and venture funding? 8 Best WordPress Hosting Solutions on the Marketlast_img read more

8 days agoArsenal utility ​Maitland-Niles: How I get Aubameyang the ball…

first_imgAbout the authorAnsser SadiqShare the loveHave your say Arsenal utility ​Maitland-Niles: How I get Aubameyang the ball…by Ansser Sadiq8 days agoSend to a friendShare the loveArsenal youngster Ainsley Maitland-Niles has spoken about his form this season, and the connection he shares with Pierre-Emerick Aubameyang.The England U21 star has already set up Aubameyang for two goals in the Premier League this season.And he mentioned how working on the timing of his runs have allowed him space to deliver quality crosses.”I only got two assists last season and I’ve got two already this season, which is a good start,” he told the club website.”Hopefully I continue with my assists and maybe create more opportunities to get my stats higher this season.”I worked on it a lot when I was younger because I used to play on the wing, so the timing of my runs is everything to me. “That’s what’s going to get me in on goal, that’s what’s going to get me behind the defence to either pass to someone else or to shoot on goal myself. It was very important for me to learn how to time my runs and create opportunities for others.” last_img read more

Fisheries and Oceans meet with Mikmaq community in a show of reconciliation

first_imgAngel MooreAPTN NewsIn a first of its kind in the Maritime region of eastern Canada, employees with the Department of Fisheries and Oceans (DFO) met with members of the Mi’kmaq community to build a better relationship.Elder Noel Milliea says the ultimate goal is to change perceptions.Milliea is from Elsipogtog. He was asked by the DFO to speak at this meeting. The Elder teaches health and healing in his community.“So when we try to look at the parallels that both of us have, we come to understand a little bit about why we are the way we are on both sides,” said Millieau.“Why is there so much racism and why is there so much systemic trauma.”The DFO and the Mi’kmaq dispute over fisheries has a long history.The Supreme Court of Canada ruled in 1999, that the Mi’kmaq had a right to commercially fish and support a moderate livelihood.The decision, known as the Marshall decision, is based on treaty rights signed in 1760 and 1761.It was a win for the Mi’kmaq, economically and culturally.But the decision did not solve the disagreements of how much fish the Mi’kmaq had a right to catch because the two sides haven’t been able to agree upon the definition of moderate livelihood.This has led to disputes and anger on both sides.At the three days of meetings, history was discussed – as a shared history between Indigenous and non-Indigenous peoples.Trevor Sanipass says it’s the responsibility of everyone to educate themselves and others.“You know treaties were signed by two parties, so the treaties are not just the Aboriginal treaty it’s by all its their ancestors and our ancestors signed these agreements,” said Sanipass.The DFO said it wants its staff to become aware, and have a better understanding of Indigenous history.Debbie Boutt-Matheson said this will help with everyday interactions and perceptions.”You don’t always necessarily always think about it that way so that for me was a really great sort of dawning moment of I haven’t thought about it like that before and I have to think about it like that,” said Matheson.According to Millieau, relationships are already improving with the DFO reaching out to the community.”Hopefully it will make a difference in building relationships meaningful relationships with them in how they engage in our first nations communities,” Milliea said.Sanipass gives the government credit for taking the step to learn from community members.”What better way of doing it is really having first nations people, elders, educators, leaders and share this information, not just from our own people but to others as well,” said Sanipass.The DFO said it plans to offer more staff learning opportunities to develop positive relationships with Indigenous [email protected]@angelharksenlast_img read more

Canada Goose reports secondquarter profit up raises outlook for full year

first_imgCompanies in this story: (TSX:GOOS) TORONTO — Canada Goose Holdings Inc. beat expectations as it reported a second-quarter profit of $49.9 million and raised its outlook for growth for the year.The luxury parka maker says the profit amounted to 45 cents per diluted share for quarter ended Sept. 30 compared with a profit of $37.1 million or 33 cents per diluted share a year ago.Revenue in what was the company’s second quarter totalled $230.3 million, up from $172.3 million in the same quarter last year.On an adjusted basis, Canada Goose says it earned 46 cents per diluted share in the quarter, up from an adjusted profit of 29 cents per diluted share a year ago. Analysts had expected a profit of 26 cents per share for the quarter, according to Thomson Reuters Eikon.In its outlook, Canada Goose says it now expects annual revenue growth of at least 30 per cent compared with its earlier forecast for at least 20 per cent.The company also expects annual growth in its adjusted net income per diluted share to be at least 40 per cent compared with its earlier guidance of at least 25 per cent. The Canadian Presslast_img read more