Saturday, 3 February 2018

Prince William and Kate Middleton bought Ikea furniture for their children’s rooms

# 1IKEA was a one-stop shop for a family day out
It’s not possible to get lost in IKEA, but it’s eminently possible to spend all day in one store. Not many retailers can lay claim to that. Marketing consultant Martin Lindstrom, author of “Brandwashed: Tricks Companies Use to Manipulate Our Minds and Persuade Us to Buy,” has rules to avoid overspending. Rule No. 1: “Don’t bring your kids with you,” he says. They’ll help you spend 29% more than your budget, according to a study of nearly 3,000 consumers Lindstrom carried out. No. 2: “Don’t shop with your partner,” he says. He or she will make you spend 19% more than planned. No. 3: “Don’t use a shopping cart. People who carry their stuff spend 8% less.”
# 2They sell you a reusable bag or supply large trolleys
Why not send a message that your company cares about the environment and — at the same time — ensure customers hit the stores armed with an empty bag? IKEA, Wal-Mart WMT, -0.99% and Whole Foods US:WFM are among the many retailers that offer reusable shopping bags or large trolleys. The bags sometimes even bear the company’s logo, providing free advertising for the store. (IKEA’s blue bags are instantly recognizable even without a logo.) But mainly the bags create a void that needs to be filled, encouraging consumers to buy more than they need, says Johan Stenebo, author of the book “The Truth About IKEA.” “There’s a reason why they’re so big,” he says. (IKEA, Wal-Mart and Whole Foods did not respond to requests for comment.)
# 3They treat you like a long lost friend
IKEA has been named one of Fortune’s top 20 best workplaces, citing the benefits and opportunities for advancement. Happy staff are helpful staff. Graphic designer Daniel Drenger said he once went to IKEA with a friend and ended up with a trolley full of soft furnishings and various accessories for his home. He hadn’t intended to shop, but everything was laid out so well and the staff was so welcoming and friendly, he said. It was almost like stepping into someone else’s home. “Customers want more meaningful experiences,” says Derrick Daye, managing director at Los Angeles-based consultancy The Blake Project. The overly-friendly staff are trying to fulfill that desire, he says.
# 4IKEA gives you a place to put your feet up
IKEA provides a winding path through the store punctuated with relaxing spaces for weary shoppers to rest their feet. Don’t loiter too long though: These rest areas are often placed next to displays of products that stores want to unload, says Stenebo, who worked at IKEA from 1988 to 2008 in a variety of roles from product development to management, and is also the former assistant to the group’s founder, the late Ingmar Kamprad. “Retailers call this the hot-hot-hot spot for inventory that’s not shifting,” he says. That said, IKEA is a destination store usually situated on the outskirts of a city, and not a department store where people pop into for five or 10 minutes while running errands. That’s why they sell you meatballs after you’ve finished your shopping.
# 5IKEA offers comparatively pricey items
The “compromise price effect” is most often used by discount retailers and electronics stores that want customers to pay extra for a better camera or computer, but it’s also used effectively at IKEA too, says Michelle Barnhart, associate professor of marketing at Oregon State University College of Business. Here’s how it works: If a $225 sofa is strategically placed next to a slightly cheaper — but very similar — $195 sofa, the customer might be tempted to opt for the latter and walk away still believing that he or she got a good deal. The “compromise price effect” can be effective in a store or even online, she says.
# 6 They price everything one cent short of a whole number
Nobody believes they’ll be persuaded to buy something simply because it’s priced $9.99 instead of $10, but studies say otherwise. It’s called the “left-digit effect.” The difference of one cent can turn a window shopper into an actual shopper, according to a 2009 study by researchers at Colorado State University and Washington State University, published in the Journal of Consumer Research. In one test, the researchers asked participants to evaluate two identical pens: They priced one at $2.00 and the other $3.99 — amazingly, 44% of the participants chose the higher-priced pen. IKEA has a range of cost at $129, $79, $249, $349. And when they’re reduced? The numbers are even odder: reduced from $349 to $343.
# 7IKEA offers to solve your life problems (but you need to do the work)
The influence of IKEA can be most starkly seen at the Apple Store AAPL, -4.34% as well as other electronic outlets from Best Buy to Microsoft MSFT, -2.63% Apple Store employees are among the most successful at solving your problems, says Carmine Gallo, author of “The Apple Experience: Secrets to Building Insanely Great Customer Loyalty.” Apple’s “genius bar” is a team of sales people designed to solve problems and empower the customer rather than (just) make sales, he says. It’s been paying off: There are roughly more than 500 million visits to Apple retail stores per year, according to market researcher Asymco; that’s roughly equivalent to the population of the European Union. However, more than 780 million customers visit IKEA stores every year.
# 8They use cheap items as the thin end of the wedge
Beware of the bags of tea lights, candles and multicolored plastic toilet brushes positioned next to the IKEA entrance. They are designed to break a psychological barrier and get consumers shopping, independent retail consultant Jeff Green. In retail parlance, they’re “open-the-wallet” items and they often appear as an elaborate and random display. Displays could include everything from plastic to-go cups to eye-catching rubber spatulas. U.S. retailers have also taken the “open-the-wallet” concept to a whole new level by promoting cheap stuff in October in the hope that people will keep shopping in November and December. “Americans are cautious,” Green says, so they need a little extra push to get them in the mood to spend money.
# 9 Ingvar Kamprad turn bargain hunting into a game
There’s a reason a minimalist design works at IKEA and Apple, but this turns off regular shoppers in a store like J.C. Penney JCP, -1.94% IKEA sells inexpensive furniture that is simply displayed to show how easy it will fit into your home, while J.C. Penney is a promotional store where people enjoy the voyage the bottom of the bargain basement, Shelton says. “Big box department stores make you dig around and see what’s on sale,” he says. “People feel like they’re on a treasure hunt and finding a bargain that someone else missed.” (Music is used to either keep people moving briskly through the store or to slow them down, depending on how busy they are, according to an analysis of big supermarkets by Casino.org. Plus, there’s no free shelf space at the checkout, leaving no room to dump unwanted items.)
# 10 IKEA piles on the accessories
Buying toys for kids can be a gift that keeps on giving: IKEA will sell you one size of plastic container for all the stuff you bought, but maybe don’t need, and it will have one in every shape and size to fit into all the awkward nooks and crannies at home. Another example: The battery life of Apple’s iPhones has long been a bugbear for Apple fans. Apple sells a Mophie Juice Pack Plus charger case ($120), which doubles the time to talk, text and surf the Web. Ingvar Kamprad took a leaf out of Lieutenant Columbo’s playbook, Shelton says, “There will always be ‘Just one more thing.’” Or, in fact, maybe it was the other way around.

Friday, 26 January 2018

How the Clintons Cheated on Their (Used Underwear) Tax Return

A new review of Hillary and Bill Clinton’s previous tax returns show the Clintons blatantly overvalued their non-cash donations and illegally reduced their tax burden. They didn’t pay the taxes they owed.
Hillary and Bill Clinton famously donated Bill’s used underwear and took a $2 per-pair tax deduction on their 1986 tax return. In Bill’s own handwriting, here is the line from the 1986 Clinton tax return, claiming a $6 deduction for “3 pr. underwear”:
Most press reports have focused on the strangeness of the used underwear donation and tax deduction. But the new examination of handwritten notes reveals the Clintons cheated on their taxes by significantly overstating the value of their donated clothing. These are not simple rounding errors of a few percentage points: The Clintons overstated the value of their used clothing by a factor of several hundred percent.
And not just the underwear, but many items of clothing including suits, pants, and sports coats.
When the Washington Post investigated the matter in 1993, they hit a brick wall when trying to get an explanation. The White House “over the course of a week didn’t respond to repeated phone calls seeking answers.”
To this day, the Clintons have not answered questions about their overvaluing of non-cash donations, and Hillary Clinton’s campaign website does not make available her tax returns for the years in question.
Let’s review the case against the Clintons, starting with the judgement question of donating used underwear (likely briefs) and having the gall to take a tax deduction for it. As noted by the Washington Post:
 “Several experts were consulted about Clinton's tax-deductible donations, especially of underwear. Paul Offenbacher, a longtime Washington-area tax accountant, said it is highly unusual to take an itemized deduction on donated underwear; indeed, he had never heard of such a thing.”
The Washington Post also talked to one of the recipient organizations:
"We don't get too much underwear here; I don't think people want that too much," said Joe Cheslow, a senior resident at the Union Rescue Mission, a haven for homeless people in Little Rock, Ark., that has been a frequent beneficiary of the Clintons' tax-deductible largess.
This author obtained handwritten notes of the Clinton’s donation lists to the Salvation Army and Goodwill Industries. Over the years the Clintons consistently overvalued donated items, by as much as 10 times the IRS standard.
The IRS allows deductions for non-cash donations to charity, but taxpayers must value the items truthfully. For tax year 1986, that meant using the “Thrift Shop Value” of items (the same basic standard applies to this day) as noted in IRS instructions.
The Clinton’s 1986 tax returns include a handwritten list showing they declared the value of a “gabardine suit – ripped pants” at $75, the "Brown Sports coat" at $100 and the “Salmon Sports coat” at $75. And of course the famous "3pr. underwear" at $6.
Pictured below: Bill Clinton’s handwritten list of non-cash donations to the Salvation Army for tax year 1986.
Using any calculation method, the Clintons were dishonest:
-Goodwill Industries and Salvation Army both publish guides for valuing used clothing donations. In 2016 dollars, Goodwill Industries values men's suits at $10 - $30, and sports coats at $6 - $12. There is no listing for men’s used underwear.
-The Salvation Army values suits at $15 - $60. There is no listing for men’s used underwear.
-The TurboTax “ItsDeductible” calculator values items based on a combination of eBay and thrift store prices. Men’s suits are valued at $29, sports coats at $18. Underwear is listed, but at just $1.
Basically what the Clintons did is akin to walking into a Goodwill store today, donating a sports coat and deducting $220 dollar from your taxes for it. Or donating a pair of used underwear and deducting $4.40. 
Below are ten of the worst valuations found on multiple handwritten notes from the Clinton’s tax return for a single tax year, 1986:

Just this selection of 10 overvaluations adds up to $1,375 - $1,518 in 2016 dollars.
“Hillary and Bill Clinton clearly overstated the fair market value of the clothing donated,” said Ryan Ellis, an IRS Enrolled Agent and noted tax policy expert.
What are the consequences to a normal American of grossly overvaluing donations in the manner of the Clintons?
“If a taxpayer overstates a deduction like this, they could be held liable under audit by the IRS for back taxes, interest, and a failure-to-pay penalty,” said Ellis.
Hillary Clinton has been preaching for ‘fairness’ and ‘paying what you owe’ on the campaign trail. Her own estate is specifically designed to shield herself from the Death Tax.
The embarrassing incident of the used underwear tax deduction seems to have masked the more serious issue of blatant overvaluation that happened on a consistent basis. Perhaps this is why the Clintons refuse to answer questions about their dishonesty on these tax returns.
“Hillary and Bill Clinton didn’t pay the taxes they owed. The press has focused only on the giggle factor of the underwear, but fail to mention the Clintons broke the law,” said Grover Norquist, president of Americans for Tax Reform.“Meanwhile, Hillary has pushed a national gun tax, a soda tax, a payroll tax hike on middle income households, a Death Tax hike, a capital gains tax hike and several other tax hikes totaling $1.4 trillion over a decade.”

Thursday, 25 January 2018

Here are 5 myths about psychic readers you should know before you get your next reading.

 #1 Psychics are mind readersPsychics are “energy readers”.  More than anything else: a good psychic reader will sense how you are feeling and what’s happening in your energy field. She’ll pick up on why you feel what you feel, and the struggle you may be having in making a decision.
She can sense which choice provides a clearer, righter path for you. But she won’t know when your birthday is or what your favorite song is.
A good psychic won’t even bother to try to read your mind because the real, deeper information is stored only in your heart and in your soul-field. If a psychic needs certain “mental” information from you, she’ll just ask.
For example, an astrologer may ask you your exact date, time and place of birth. Or, a psychic-medium may ask you the name of your deceased loved one you want to connect to. This information is the means to get a good reading - not the ends.
#2 Psychics know everything 24/7 Well, psychics are people, and people get tired and they can make mistakes. There’s a reason why your favorite online psychic is sometimes offline!
Psychic practice can be demanding work and many psychics need a lot of me-time to recharge their batteries. They can’t be “On” 24/7.
Psychics can’t know everything, simply because that’s against human nature. Just like you, each psychic is on a journey - there’s always more to explore, learn. There’s always more room to grow.
Even when they get help from spirit guides, they only get the information that’s relevant in that moment. Psychics are like water channels: they connect two separate bodies - you and information you don’t know about
#3 Psychics should be 100% correct  If the information is coming from a supernatural entity or from a mystery school such as the Tarot, then it must be true, right?
No, because this “information” is only a peek into your life. It’s not the whole picture. It’s only what you need to hear in that particular moment so you can make your next choice consciously. Sometimes you need to hear a certain truth so you could grow while trying to prevent it from happening.
Your future is not set in stone - you have many possibilities ahead of you. There’s a reason why it’s called “psychic advice” and not “psychic enforcement!”
Psychics can’t walk your path for you, nor will they pressure you to walk a certain path. Even if you consult several psychics, you remain the owner of your choices and your life. What you do with the psychic information you receive changes your future.

 #4 Intuition equals psychic abilities  You don’t become a chef if all you can make is pasta. Intuition is just a small part of being a professional psychic. It is an important part, but it’s a small part.
Many psychics undergo years of training in different mystery schools. They become proficient in diverse techniques such as crystal ball, cartomancy, spiritual channeling etc. They also learn to meditate, clear their field, and ground their energy before giving a reading.
Being a professional psychic is real work - it’s a career. Psychics spend many years to expand their skills, become better and better, and build a happy client base. They specialize in love & relationships, career, health or other life matters. Merely having intuition isn’t enough to become an established psychic.

#5 All psychics are mediums There’s a big difference between psychics and psychic-mediums. Psychics can see the past, present and future. They travel in the dimension of time, here in the physical world.
Psychic mediums, on the other hand, cross the bounds of our world and connect with the spirit world. They travel through space. The two require completely different skill sets.
Before you choose your psychic, make sure you know what you are looking for. Not all psychics are proficient in all psychic abilities. Check their profile and see if they can deliver exactly what you need.

Wednesday, 24 January 2018

What you need to know about pre-settlement loans or cash advances

After an accident, the injured person may not be able to work and may even lose his or her job. Paying for rent or mortgage, monthly bills, car repairs, or holiday gifts becomes very difficult and the bill collectors start to call, adding great frustration and anxiety to the pain from the accident injuries.

If you were injured in an accident and have financial stress, you may be considering taking out a pre-settlement loan or cash advance through a company that advertises on TV or the Internet.

In the ads, these loans sound great: quick turn around, so you get your money fast; non-recourse, which means that if you don't get a settlement or win your case, you don't have to pay the money back. It almost seems like free money, right?

The pre-settlement loan or cash advance is not "free money." The money is only given to injured people who have lawyers. Your lawyer must give a lot of information to the loan company about your accident, the insurance, the liability and your injuries. After the loan company has all this information, and determines that there is a high chance that you will get a settlement, then the company will offer a cash advance, commonly in the amount of $500, $1000 or $2500 depending on the case.

How does the company make money on this advance? First, they charge an origination fee, and that fee is added onto your loan balance. Second, they charge interest which is compounded over time. There is a schedule of how much needs to be paid back if payment is made within three months, six months, one year, etc. which becomes part of your loan paperwork.

In my practice I had one client who received $5000 and didn't get the case settled for a couple years and had to pay back $14,500!

If you are looking into these loans, be sure to find out how much the company charges for fees and how much will need to be paid back over time. Because these loans are so expensive, they should be considered only as a last resort, when there is absolutely no other way. And remember, once you get such a loan, your lawyer will be required to pay the loan back out of your settlement funds.

If you have been in an accident in Wisconsin, please call Hestad Law 608-273-1600 to discuss your case.
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Tips #2: Documenting time lost from work after your accident
If you are injured in a car accident, you may miss time from work because you are in pain. You may also miss work time for doctor, chiropractor or physical therapy appointments. Documentation of your missed time from work should be submitted to the liability insurance carrier as an important part of your accident claim.

If you have pain that prevents you from working, you need to obtain an excuse from work from your doctor. The written excuse should be given to your boss or HR Department. Keep a copy to submit to the liability insurance carrier. If you need to stay off work longer, be sure to return to the doctor to get another excuse.

Once you are able to return to work and can work all of your normal hours, you are ready to document your lost work time for the liability carrier.

The best way to document your lost time from work is to obtain a letter from your employer stating the days and hours you missed due to the accident. The letter should also state how much you make per hour so the liability insurance carrier can easily calculate the value of your lost time. If you missed overtime hours, then the letter should also state the missed overtime hours and the amount you earn for overtime hours. If you missed work on the night shift or on a weekend, the letter should state the missed time and the shift differential.

If you are self-employed, documenting your business loss after an accident can be complicated. It may be necessary to produce a copy of your Schedule C for several years and/or statements from your accountant about your business.

Lawyers at Hestad Law have experience in documenting our clients' lost time from work as well as their self-employed business losses after an injury accident. Call us today for a free consult about making your claim! 608-273-1600.
 


United States and Russia Among G20 Nations That Have Failed to Ban Asbestos

The delightful list of political intrigue that has emerged from the Putin-Trump love-hate relationship just keeps growing. We can now add asbestos to the long string of plot twists fit for a political thriller, or perhaps a horror film. Yet another characteristic the 2 leaders have in common is their blatant willingness to endanger their workers. Sadly, they’re not alone.

One disturbing detail that emerged from the recent G20 meeting in Hamburg is that of the 20 countries that form this organization, 8 have not banned asbestos. The United States is the only industrialized nation in the West that has not taken such protective action. Even more important to note, though perhaps not entirely surprising, is that Russia is a key producer and exporter of 1 type of asbestos used primarily in construction.

Linda Reinstien, the CEO and president of the Asbestos Disease Awareness Organization (ADAO), notes that “Each year, Russia mines a million tons of white chrysotile asbestos, and churns out prolific amounts of propaganda claiming that chrysotile is the ‘safe kind’ of asbestos.”

According to the Occupation Health and Safety Administration (OSHA), “There is no ‘safe’ level of asbestos exposure for any type of asbestos fiber.” Of course, Putin and Trump are equally happy to ignore scientific evidence that points to that fact. Given that these men are political and economic bedfellows, Americans should take heed.
In Russia, There Is Even a National Asbestos Day (And It’s Not the Good Kind)
As Reinstien astutely observes, Putin oversees a tidy little pro-asbestos propaganda campaign: “Russia has organized the International Chrysotile Association to counter the minerals’ negative reputation and has even instituted a national ‘Chrysotile Appreciation Day,’ where asbestos workers are compelled to claim the carcinogen they work with is safe.”

Also, Russia was 1 of 5 countries that worked to stop the addition of chrysotile asbestos to the UN’s 2017 Prior Informed Consent Regulations. It is the only form of asbestos not on the list, but of course that should not be taken to mean it is any less carcinogenic. While the materials on this list are not banned from purchase or sale, countries that export these products have to explain their risks to buyers.

Notably, Trump has been sued by workers at 1 of his construction sites due to exposure to high levels of asbestos, among other unsafe conditions. Even though asbestos may kill 15,000 Americans yearly, the United States continues to buy this hazardous material. Last year, the U.S. also purchased asbestos from Russia.
Clear and Present Danger
Asbestos was used in a wide variety of construction materials in the United States through the late 1970s. Since then, the use of asbestos has been greatly reduced due to safety concerns. However, people who work in construction and the renovation of buildings can be at high risk of exposure. If asbestos is disturbed, such as when demolishing or remodeling an older structure, asbestos fibers are released into the air.

These fibers are lethal when inhaled, and can cause terminal illnesses such as the deadly cancer mesothelioma. Additionally, the family members of individuals who work around asbestos can also be at high risk for the disease. Because asbestos fibers can stick to clothing, it’s easy for workers to bring them home with them if their garments are not properly cleaned.

OSHA requires that employers provide protective equipment to workers who may be exposed, and to install mechanisms to reduce fibers in the air. Employers must also monitor levels of asbestos exposure for all workers, and have them evaluated by doctors if workers are exposed beyond the legal limit. OSHA is very clear about the dangers posed by asbestos: “Epidemiologic evidence has increasingly shown that all asbestos fiber types, including the most commonly used form of asbestos, chrysotile, causes mesothelioma in humans.”

Naturally this well-established scientific information has been disregarded by both Trump and Putin. But then again, should we really be surprised?
If All Else Fails, Blame the Mob
On top of Trump blatantly ignoring evidence to the contrary, he has also repeatedly claimed that asbestos is safe. In a now infamous tweet from 2012, he speculated that asbestos could have saved the World Trade Center, if only the carcinogenic substance had not been replaced by other materials. Trump has also claimed that the efforts to take asbestos out of buildings were in fact a conspiracy led by the Mafia.

Sadly, not all asbestos had been removed from the World Trade Center at the time of its collapse. Many first responders have paid the price for that fact. While it can often take 20 to 50 years to develop mesothelioma, just 5 years after 9/11, 2 individuals who worked at the WTC site died from the disease due to heavy asbestos exposure.

Of course, these fatalities may be just the beginning of a much larger epidemic. One study suggests that 70 percent of those who worked at the WTC site had respiratory problems due to their heroic efforts. The full extent of the toll on their bodies may not be known for decades, but 1 thing is clear: The asbestos industry will be sure to find other scapegoats for their illnesses.
Environmental Protection Agency No More
With Scott Pruitt heading the Environmental Protection Agency (EPA), there is precious little hope that the United States will soon join the 12 countries in the G20 that ban asbestos. Pruitt has demonstrated clear reluctance to regulate dangerous chemicals, and is somehow “undecided” about the risks that asbestos poses to workers and the general public.

The battle to ban asbestos has always been hard-fought by the asbestos industry, so this is indeed a continuation of a much longer convoluted corporate tale. While the EPA succeeded in banning asbestos-containing products in 1989, that verdict was overturned only 2 years later, following a suit filed by company that manufactured asbestos-containing products. Now that Trump has “frienemies” (namely, Vladmir Putin) who sponsor a national asbestos day, it is likely that the United States will continue to import more Russian-mined asbestos in the near future.
The Data Is in, the President Is Out to (a Corporate-Sponsored) Lunch
The trifecta of Trump, Pruitt, and Putin signals that American workers should take heed. Their safety is firmly in their own hands, as both workplace and consumer protection regulations continue to be whittled down to toothpick proportions. While Trump and Putin celebrate capitalism, corporations, and carcinogens, Americans must continue to make their voices heard in favor of workplace protections. Petitions, e-mails, and phone calls to Congress all have their needed place in this protest, though perhaps the best occasion will be at the ballot box in a year and a half.

We would like to be more optimistic, to think that if the President sat down for a chat with the good people at OSHA, he might have his views swayed in favor of citizens and scientific knowledge. But wait. They might be in league with the Mafia.

Find cheap insurance for your bicycle

Are you one of the many cycling enthusiasts on UK roads that enjoys feeling the wind in your hair or the thrill of soaring down a hill at breakneck speeds? Do you cycle to work come rain or shine, warding off cars and buses with a steely glare? Or perhaps you just nip to the shops on your trusty bicycle? Whichever your style, pedal power has its attractions.

For one thing, cyclists can save a lot of money on train fares and petrol, but they can also cut down on pollution and improve their overall health and fitness levels. So what are the downsides?

Put simply, bikes are attractive to thieves: last year 276,000 bikes were stolen, according to the Office for National Statistics (ONS). However, while bike theft is at its lowest for more than 30 years, it’s never been costlier for bicycle owners. That’s because the value of stolen bikes is at an all-time high: the average cost is £476, which is almost double the 2005/06 figure of £250.

As this data shows, it’s more important than ever to make sure you have the right cover to protect yourself and your wheels.
Why is bicycle insurance important?

Assuming that a bike is covered under home contents insurance is a mistake. While some home insurers will include cycle cover on their policies as standard, often the bike is only insured if it is inside the property or secured properly in an outbuilding like a shed or garage.

So if your bike is stolen from the back garden or when you are out and about, you will not be covered. For example, if the theft took place when you were out shopping for groceries or if it was locked up at the train station, your insurer is unlikely to pay the claim. But you can often extend your home insurance to cover your bike when it is outside the house.

That said, firms that offer specialist bicycle insurance are becoming more prevalent for the increasing number of cycling enthusiasts. Policy wording may differ, but most will cover your bike against theft – whether left inside or outside the house – if your bike is secured properly with an approved lock. If you don’t secure your bike according to their stipulations, your claim could be rejected.
Not only theft

The good news is that specialist bicycle insurance doesn’t only cover theft, but should also pay out for accidental damage or vandalism. You should check whether the policy includes any third party liability cover, just in case you injure another person or damage their car or bicycle.

The number of cyclists on the roads these days means that accidents are more common place, so it's wise to take out suitable insurance.

It doesn't matter whether you’re a casual cyclist with your trusty two wheels or a serious enthusiast with a custom racing bike that cost thousands of pounds – cycle insurance can be tailor-made to meet your needs.
Problems with cover


If you’ve taken out bike insurance, make sure you know the policy exclusions to prevent voiding your cover or the rejection of a claim. The most common exclusions are:
If you use your bike for monetary gain, such as being a cycle courier.
Any loss where you cannot prove you own the bike, so keep the receipt of sale.
Any cosmetic damage won’t be covered – scratches and dents that don’t affect how the bike actually rides are not covered, for example.
Any damage to accessories, like tyres or mud guards, unless the bike itself is damaged at the same time.
Theft of your bike when you have not secured your bike properly.
Any accidents that may happen under the influence of drugs or alcohol will void your claim.
Top tips for cyclists against thieves

1. Get the best lock money can buy

You get what you pay for when it comes to locks, meaning a cheap lock will be little deterrent to a bike thief. In most cases, the more expensive a lock, the better it will be at protecting your bike from theft – D-locks are often the most secure.

Lock manufacturers have their own ratings for levels of protection and these can be read as an indicator of security. If you use anything other than an approved lock brand or level of security, then your claim will be rejected.

Look out for locks rated on the ‘Sold Secure’ scale – bronze, silver and gold – as these are approved by most insurers. However, as with any insurance policy, check your details to be sure.

2. Lock your bike properly, in the safest location

Make sure to attach your bike to something that can’t be moved or lifted, as your bike is only as secure as the thing you attach it to. For example, a mesh fence only needs a small pair of wire cutters to get through.

Never leave your bike in an isolated place, instead choose to lock it in a well-lit area that people pass frequently and, if possible, with CCTV near to your location.

You should also lock the wheels (if they are quickly removable) together with the frame, ensuring the D-lock is secure and close to the bike. Any manoeuvrability will allow the thief the leverage to break the lock. And removing any lights and the seat will prove an annoyance to any prospective thieves.

Remember that two – preferably different – locks are better than one, as this gives the thief more of a challenge and they will need more tools to prise the locks open. It is very unlikely that a thief will have the correct tools to break both a D-lock and a chain lock, and so a combination provides a formidable opposition.

3. Register and insure your bike

It’s important and necessary to register your bike with the correct company, as it will assist the police in identifying a stolen bike and boost the chance of it being returned to you. Several companies offer this protection for free, aimed at reducing bicycle crime, but bikeregister.com is the UK’s leading registration service and is used by the police.

A policy not only insures you against theft, either inside or outside the home, but will protect you from damage incurred from vandalism or accidents. In addition, you can insure for personal accident and public liability so that if you damage someone else’s property or person, you are covered.
Which companies provide specialist bike cover?

We want to show you as many insurers as possible, so that you can choose what suits you best. But, we can’t promise to show you every single insurer, because some insurers don’t want to be included on comparison websites.
Source

So just how easy is it to get a gun in Minneapolis?

Eighteen-year-old Dae’veon has seen everything from assault weapons to handguns, and it wasn’t hard for him to find them. In fact, he’s owned several handguns, shotguns and even a submachine gun, he said. And all of it he bought without a background check, no questions asked.

Last year, Dae’veon, who agreed to talk if his last name was kept anonymous, was caught with a gun and charged with aggravated robbery. That’s when he decided he needed to keep his head down, focus on school and try to turn his life around. But he knows if he wanted to, all he’d have to do is make a quick phone call to get another gun, he said. “It’s like going to the store to buy a pop,” he said. “You just call whoever you know that has a gun and tell them what you want to spend.”

In what now seems like an annual debate, the hot-button topic of gun reform reignited several months ago after another high-profile mass shooting, this one in San Bernardino, California. In response, President Barack Obama issued a series of executive orders to beef up firearm background checks around the country.

The move was greeted with hostility by gun-rights activists, who say the expanded checks would make little difference in preventing firearms from reaching criminals.

Minnesota recently joined the fray as well. Earlier this month, two DFL lawmakers, Sen. Ron Latz and Rep. Dan Schoen, introduced a bill that would require background checks on all gun sales in the state, a measure supported by a number of advocacy groups and law enforcement associations, who say it could help prevent firearms from reaching the wrong hands — like those with criminal backgrounds or minors like Dae’veon. It too has received pushback from gun-rights groups.

And yet, for all the disagreements over whether increased background checks will work, one fact is beyond dispute when it comes to guns in Minnesota. Like it or not, they are remarkably easy to acquire.
'There's no law against that'
In Minnesota, to legally buy a gun from a store requires that the purchaser be at least 18 and have a permit issued by the applicant's county sheriff’s office or police chief — a process that also subjects the applicant to both a state and federal background check.

But here’s the wrinkle: For those who already have a permit and simply want to sell a gun to someone else, there’s no law requiring a background check.

Therein lies the problem, said Heather Martens, the executive director of Protect Minnesota, a group advocating for tightening gun laws. The lack of regulation around private gun sales makes it too easy for those who shouldn’t own guns to be able to get them, a complication that goes beyond the oft-cited issue of gun show sales.

“If you want to fill the trunk of your car with guns and drive to any street, park there and start selling guns, you can,” Martens said. “There’s no law against that.”
Technology has made things even easier. Many individuals also sell their guns online on websites like Armslist.com, where all people need to do is create a free account to gain access to people selling firearms all around the state.

Like Craigslist, Armslist connects sellers with individual buyers who can contact them through the website. After connecting them, the individuals can go about their transaction in any way they see fit, so long as it doesn’t cross state boundaries. A search on the website shows almost 3,000 guns for sale in Minnesota alone, with prices ranging between $175 for a shotgun, to $1,300 for an assault weapon.
Where guns come from; where they go
Marcel Urman, who now helps youth find employment on the north side for the nonprofit Emerge, said he ran with gangs back in the ‘90s when there were four or five large gangs in Minneapolis. Back then, the gangs would rob gun stores then disseminate them throughout the rest of the city, he said, so if you wanted a gun you had limited options.

But according to Dae’veon, the gun market today is much more decentralized, with many buyers and sellers and spreading mostly through word of mouth. And once you’ve found a connection, he said, it’s like buying anything else off Craigslist.

Nineteen-year-old John, who did not want to be identified because of safety concerns, said the largest stockpiles of guns for sale that he has seen were out in the suburbs, not the cities.

John said he knows some people who steal guns from houses or stores, but a lot of the guns that make their way to Minneapolis’ streets are purchased legally. “Some people who’ve got gun licenses, they’ll sell them, then report it stolen,” he said.


Martens said legally purchased guns remain a main channel for firearms syphoning into Minneapolis.

But Minneapolis Police Department Deputy Chief Bruce Folkens said there’s no single source attributed to the firearms confiscated in the city each year. “For years now, we’ve traced every gun that we recover,” Folkens said. “We do look at where these guns are coming from … it’s across the map.”

What is clear, Folkens said, is where the guns are ending up. According to MPD data, around 700 guns are confiscated each year, and more than half those confiscations occur in north Minneapolis’ Fourth Precinct.

Folkens said the city has ramped up their gun investigations this year to try and quell those high numbers, including adding four more officers to their Violent Crimes Investigation Team last November, bumping the shooting investigation unit up to six officers.

But Martens said that’s not enough, that sellers are incentivized to sell those guns to areas stricken by high poverty and crime. “How can you stop a behavior if it’s not even illegal?” she asked.
Joining the debate
Marit Brock, with the Minnesota chapter of Moms Demand Action for Gun Sense in America, said most Minnesotans approve of background checks on private gun sales.

According to a survey done by Public Policy Polling in 2015 of Minnesotans who voted, 84 percent of them support universal background checks on gun sales — compared to 11 percent who opposed.

Despite those poll numbers, Brock said, most Minnesotans don’t know about the so-called “gun show loophole,” which refers to private gun sales that don’t require background checks or federal licenses. “So, closing the gun shows sales loophole and requiring background checks on all gun sales is an important priority for us, here in Minnesota.”

Andrew Rothman, president of Gun Owners Civil Rights Alliance, a gun-rights advocacy group, disagrees. He said enforcing a universal background check would merely create a federal registry of firearms and do nothing to stop criminals from obtaining guns both legally and illegally. “When someone intends to commit a violent crime, the last thing on their mind is making sure that they don’t commit a paperwork violation,” he said. “Criminals will continue to buy and sell firearms illegally.”
Another issue with instituting a universal background check, Rothman said, is that creating a registry for all guns amounts to universal surveillance, and often leads to an increase in confiscations. “Having the registry of firearms is the presumption that we just haven’t committed a crime yet but we better keep an eye on you,” he said.

Rothman said most gun owners are law-abiding and that most gun-related violence is happening in urban areas like Chicago and Minneapolis, where gun violence is related to drug trades and other illegal activity. Instead of gun-ownership, lawmakers should look at increasing the penalty for repeat offenders of gun violence and illegal possession, he said.

But Martens said not enough responsibility is being placed on those who sell firearms irresponsibly, while too much blame is being placed on communities of color when it comes to gun violence.

“The youth of Minneapolis are not manufacturing guns and bringing them into the city,” she said. “Somebody else is doing that.”

Martens said many people, especially in rural areas of Minnesota, don’t understand the different circumstances in the city and these clashing cultural attitudes are preventing people in Minnesota from finding common ground on gun legislation.

And while policy makers fight over reform, Martens said, it’s the youth who ultimately suffer. “We actually all have a responsibility to keep guns out of the hands of kids,” she said. “And often we’re faced with blame of the kids themselves.”