ALL CAR OWNERS AND CAR DRIVERS PLEASE READ Warning!!!! Be aware of new car-jacking scheme. You walk across the car park, unlock your car and get inside.

Then you lock all your doors, start the engine and shift or put into reverse. You look into the rear-view mirror to back out of your parking space and you notice a piece of paper stuck to the middle of the rear window. So, you shift the gear stick back into park or neutral, unlock your doors and jump out of your car to remove that paper or whatever it is that is obstructing your view. When you reach the back of your car that is when the car-jackers appear out of nowhere, jump into your car and take off!! Your engine was running, you would have left your purse in the car and they practically mow you down as they speed off in your car.

BE AWARE OF THIS NEW SCHEME THAT IS NOW BEING USED IN LONDON/MANCHESTER MAKING ITS WAY ACROSS THE COUNTRY!!!!!!!!

Just drive away and remove the paper later! It is stuck to your window and be thankful that you read this email. I hope you will forward this to friends and family especially to women! A purse contains all identification, and you certainly do NOT want someone getting your home address. They already HAVE your keys!!! JUST BE AWARE AND TAKE CARE IT WILL PROBABLY SOON ARRIVE IN YOUR AREA Brian Molloy Detective Constable Force Intelligence Bureau Strathclyde Police 0141 532 5867

Last week the government announced the latest figures showing the number of homeless people in Britain. And they don’t make any sense.No, really. The report says that from April to June of this year 19,430 households applied to their local councils and were accepted as being homeless. I don’t understand. How can you be a “householder” and be homeless? To find out I turned to Shelter, the housing charity, which says there are 130,000 homeless children in Britain. No there aren’t. I travel a great deal, often to the north, and I’ve never once seen a homeless child. 

The only homeless people I ever see are rather frightening looking Scottish men who prowl the streets of Soho with their angry dogs begging for money. “Eat the dog. Then we’ll talk,” is what I always say.

I don’t want to belittle homelessness. I understand that it must be very scary to find yourself with no friends, no family and nowhere to stay. I think often about how terrible that moment must be when you realise, for the first time, that you really have no bed that night. It sends a shudder down my spine.

Think about it. Slipping into a pair of cardboard pyjamas and being serenaded to sleep by passing trains, knowing that the price you pay for a mug of soup is a half-hour lecture on God’s infinite wisdom.

In fact, it’s because I care so much about homeless people that I have some advice for anyone whose life has gone so far down the crapper that he’s only reading this newspaper because he’s sleeping in it. And here it is. Move out of London and into the countryside.

If you hole up for the night in a shop doorway in London, those street cleaner men will come along and squirt you with powerful jets of icy water.

And then, when you’re all soggy and cold, you’ll be moved on to another doorway where a drunken late-night reveller will be sick over you. Then your dog will be stolen by a Romanian woman in a shawl, and then someone will make you take so much heroin that you technically become an Afghan.

And to make matters worse you’ll spend your days scouring the city streets for out-of-date sandwiches, while stinking, and all the while you’ll be surrounded by Jade Moss and Judy Law, who will be popping out to the shops because there’s no more room in their houses for any more of their money.

Genuinely I don’t understand why people who’ve lost their homes think that all will be well if they stow away on a train to London. And nor do I understand why people who were in London to start with don’t move out the moment they realise that it’s 10.30pm and that they don’t have anywhere to stay.

London, when you have money, and a job and friends is truly one of the greatest places on earth. But the capital when you have nothing must be more depressing than listening to Leonard Cohen from the wrong side of a cocaine high.

In the countryside things are a lot more cheery. For a kick-off the chances of being turned into a rent boy are smaller. There is also less heroin, and if you sleep in a field the chances of a late-night reveller being sick all over you are very small indeed.

What’s more, food simply isn’t an issue. I spent most of last week working in a rural part of Warwickshire and couldn’t believe how much there was to eat in the hedgerows. Blackberries, elderberries and what I thought was a tomato. It wasn’t.

In fact, if you do move to the countryside, avoid any small red plant that grows in hedgerows and looks like a tomato because it’s disgusting: instead, try truffling in the fields.

In one I found several thousand potatoes, and in another, right outside someone’s kitchen window, I found carrots and marrows. There were even some nearby cows that could easily be killed and eaten.

Then there’s the question of clothing. In a big city like London it matters what you wear because people are looking. You have to steal the right kind of Nike trainer, for instance. Whereas in the countryside there isn’t anyone around for miles, so you can keep warm in fertiliser bags, which can be held together with baler twine.

The news is good too when the sun sinks because you don’t have to hole up under a railway bridge. There are countless stables full of straw and, I’m told, it’s still — just — possible to find a barn that hasn’t yet been converted into an agreeable home by someone called Nigel.

Not only would living rough in the countryside be infinitely better than living rough in London but I’d go so far as to suggest it might even be fun. Not as much fun as, say, being the Queen, but certainly not bad. You could make traps and watch birds and make dens and it’d be like being nine.

In fact, come to think of it, I’m rather surprised that the countryside isn’t awash with tramps, but in the 12 years I’ve lived out here, I haven’t seen one. There’s a bloke who sells The Big Issue in a nearby town. But I think I saw him the other day in a BMW, and sleeping in that doesn’t count.

Cant believe it, I heard the rumours from a year and a half back from shortie but didnt know that it was true, but aparently so. The great oriental foodstore and shopping mall is to be closed and demolished.

The new owners vow that it wil reopen in 2 years, and will host a new array of shops and food courts as well as a large carpark and …. BnQ. Oh that makes it all better than. Just wat we need, a BnQ in our OC. What better way to finish off a family sunday eating delicious food, cook fresh , than a trip to the handy store. Well unless BnQ are gonna employ the chefs that are going to be out of work with this regeneration, then its useless.

The whole essence of the Oriental City is being destroyed. It is true to say that the OC needs refurbishment, and we are grateful that someone is willing to carry out the changes, but what cant be accepted is that the new store will be half the size and with a BnQ attached to the end of it.

Well, if the plants go through then its up to the new owners, who are the council going to listen to, a multimillion pound company or a bunch od disgruntled immigrant chefs.

Will your bank charge you fees?

Ed Monk, This is Money
17 November, 2006
First Direct’s decision to become the first UK bank to charge fees for current accounts has had customers scrambling to find if their bank will be next. This is Money tried to get some answers.

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Loans that score on penalties

Daily Mail
17 November 2006
Homebuyers should beware of tempting, low rate mortgage deals - as the sting in the tail can prove expensive.

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Should we borrow in euros?

We are considering buying a property in Southern Spain for £150,000. Our home in the UK is worth £250,000 with a £60,000 mortgage outstanding, we have a £10,000 deposit to invest and our combined income is £65,000.

Initially we though it would be best to re-mortgage our UK home but we have seen a number of Spanish euro mortgages available. Which is the best way to fund the purchase? BG, Bucks

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The con: To carry off what has become known as the rental scam, hustlers get access to empty homes - either by breaking in, working as house-sitters or via rogue estate agents - then advertise the property as available to let.

Tips on how to trip up tricksters Remember the old adage; if it looks too good to be true, it probably is Don’t be taken in by uniforms - always double check IDs Don’t be afraid to make follow-up calls to check people are who they say they are Don’t handover over cash or valuables under pressure If suspicious about any “official” phone calls you receive - contact the company HQ

While showing would-be tenants around, another member of the con team phones offering a deposit on the flat or house. The pressure is then on for the victim to cough up money immediately to secure the tenancy.

Of course, the home isn’t available to let and the victim is often left hundreds of pounds out of pocket.

Avoiding it: To avoid being stung by this one, experts advise that people always check out the company claiming to rent the property and do not hand over money under pressure.

And remember, paying by cheque offers people no more protection than simply handing over cash. Fraudsters will cash cheques as quickly as possible before victims realised they’ve been duped.