Teachers at Australian school shocked at no warning over redundancies, can apply before ‘externals’

This article’s primary contributor, Patrick Gillett, is an alumnus of Sunshine Coast Grammar School.

Monday, August 30, 2010

A deal between Sunshine Coast Grammar School headmaster Nigel Fairbairn and the Independent Education Union of Australia has ended a week of uncertainty for 22 of the Queensland, Australia school’s staff.

Last week Wikinews obtained a list of 22 middle management teaching staff allegedly made redundant, or laid off due to restructuring. The restructuring is, apparently, designed to get teachers back into the classroom.

During the week, staff, students, alumni and parents had accused the headmaster of being dishonest and not “tak[ing] a single question” on the issue.

“At 10am there were 21 teachers with big question marks over their employment but by 1pm they had the assurance they would be able to apply for new positions before external applicants,” union secretary Terry Burke said. “Mr Fairbairn said it was clearly the school’s preference to continue the employment of existing staff. It is our view the existing staff are more than capable of taking on the new positions.”

Sunshine Coast Grammar is a private Christian school approximately 95 km (60 miles) north of the state capital, Brisbane.

Teachers at Sunshine Coast Grammar school have told the Sunshine Coast Daily that they received no warning of any pending redundancies. Independent Education Union of Australia representative and school careers counselor Maria Campanini said “teacher morale is very low and people are very disappointed and disillusioned”.

Ms Campanini said that staff were saddened by the handling of the situation by headmaster Nigel Fairbairn. “We got an email announcing a meeting and I thought it would just provide some feedback about the review,” Ms Campanini said. “But the 21 teachers whose jobs were directly affected were herded into a room, Mr Fairbairn read out a prepared statement, turned on his heel and left. He didn’t take a single question. We were just left sitting there in shock.”

An anonymous staff member told the Sunshine Coast Daily that, “Some teachers, who rely on the income and whose positions were abolished, were very distraught and they had to go to class. It appears we’re not valued in the school community, not to be even asked our opinion as to what might be the best outcome, to try and make it work.”

According to Ms Campanini, one of the teachers being made redundant is 30 weeks pregnant with another returning to work after maternity leave. “It’s really stressful for all the people involved,” Ms Campanini said. “People can understand the need for restructure when it’s explained, but we’re none the wiser.”

“When it all happened on Friday, it was morning tea time and a lot of us had to go back in the classroom and teach all afternoon,” the anonymous staff member said.

Parents have accused Fairbairn of constantly changing his version of events, with one telling the Sunshine Coast Daily that, “The school board does not have independent parents on the board, which makes no sense at all. From what I have gathered, Mr Fairbairn is not interested in having parents involved in the decision-making processes.”

Mr Fairbairn is trying to go into damage control and his story keeps changing. He’s told parents this restructure was not financially motivated but has told teachers the complete opposite thing. This is it. The gloves are off.

“Mr Fairbairn is trying to go into damage control and his story keeps changing,” said Julie Hopkins, another Grammar parent. “He’s told parents this restructure was not financially motivated but has told teachers the complete opposite thing. This is it. The gloves are off.”

Wikinews obtained a list of middle management staff allegedly made redundant, or laid off due to restructuring, by the Queensland, Australia school. Sources say that those staff have been told that they can apply for new positions that have opened up.

The list, published on the SCGS alumni Facebook page, contains the names of twenty-two staff members. Seventeen positions are reportedly being opened up, eight of which seem to significantly overlap the old ones.

Mr. Fairbairn “replaced the open and welcoming culture … with the tyrannical and oppressive one.”

The changes are, apparently, designed to get teachers back into the classroom. “We are not cutting subject choices and extracurricular activities, but retaining a student-driven curriculum that integrates with the new Australian Curriculum, in keeping with our commitment to teaching and learning opportunities,” said headmaster Nigel Fairbairn.

Wikinews understands that Fairbairn attracted criticism when he was a head teacher in Christchurch, New Zealand, where a former student claimed that Fairbairn “replaced the open and welcoming culture … with the tyrannical and oppressive one.” Fairbairn refused to comment on the criticism.

People are angry and shocked. I am aware of at least 10 families who have said they will pull their children out of the school – it’s that bad.

Fairbairn’s statement came under attack from 2009 graduates who, in a open letter posted on Facebook, said, “It is also hugely hypocritical to attack these teachers for not spending enough time in the classroom, when from firsthand experience the only time Mr. Nigel Fairbairn was ever sighted was during assembly (which he mysteriously stopped attending), never mind in the classroom, therefore, it is honestly astounding that he could make such unjust and incorrect statements.”

They also expressed embarrassment “to be associated with the name ‘Sunshine Coast Grammar School’ while you are at the head of the great community which Grammar once was.”

Four of the affected teachers “were the backbone of the school when [controversy surrounded founding headmaster John Burgess] happened,” a former prefect (student leader) said. “They got it through that crisis and this is the thanks they get.”

“People are angry and shocked,” they continued. “I am aware of at least 10 families who have said they will pull their children out of the school – it’s that bad.”

The student body has not ruled out protesting the schools plans. “It’s getting to that stage,” the former prefect said. “People are trying to look at it in an intelligent way but there is so much anger out there.”

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BDSM as business: An interview with the owners of a dungeon

Sunday, October 21, 2007

Torture proliferates American headlines today: whether its use is defensible in certain contexts and the morality of the practice. Wikinews reporter David Shankbone was curious about torture in American popular culture. This is the first of a two part series examining the BDSM business. This interview focuses on the owners of a dungeon, what they charge, what the clients are like and how they handle their needs.

When Shankbone rings the bell of “HC & Co.” he has no idea what to expect. A BDSM (Bondage Discipline Sadism Masochism) dungeon is a legal enterprise in New York City, and there are more than a few businesses that cater to a clientèle that wants an enema, a spanking, to be dressed like a baby or to wear women’s clothing. Shankbone went to find out what these businesses are like, who runs them, who works at them, and who frequents them. He spent three hours one night in what is considered one of the more upscale establishments in Manhattan, Rebecca’s Hidden Chamber, where according to The Village Voice, “you can take your girlfriend or wife, and have them treated with respect—unless they hope to be treated with something other than respect!”

When Shankbone arrived on the sixth floor of a midtown office building, the elevator opened up to a hallway where a smiling Rebecca greeted him. She is a beautiful forty-ish Long Island mother of three who is dressed in smart black pants and a black turtleneck that reaches up to her blond-streaked hair pulled back in a bushy ponytail. “Are you David Shankbone? We’re so excited to meet you!” she says, and leads him down the hall to a living room area with a sofa, a television playing an action-thriller, an open supply cabinet stocked with enema kits, and her husband Bill sitting at the computer trying to find where the re-release of Blade Runner is playing at the local theater. “I don’t like that movie,” says Rebecca.

Perhaps the most poignant moment came at the end of the night when Shankbone was waiting to be escorted out (to avoid running into a client). Rebecca came into the room and sat on the sofa. “You know, a lot of people out there would like to see me burn for what I do,” she says. Rebecca is a woman who has faced challenges in her life, and dealt with them the best she could given her circumstances. She sees herself as providing a service to people who have needs, no matter how debauched the outside world deems them. They sat talking mutual challenges they have faced and politics (she’s supporting Hillary); Rebecca reflected upon the irony that many of the people who supported the torture at Abu Ghraib would want her closed down. It was in this conversation that Shankbone saw that humanity can be found anywhere, including in places that appear on the surface to cater to the inhumanity some people in our society feel towards themselves, or others.

“The best way to describe it,” says Bill, “is if you had a kink, and you had a wife and you had two kids, and every time you had sex with your wife it just didn’t hit the nail on the head. What would you do about it? How would you handle it? You might go through life feeling unfulfilled. Or you might say, ‘No, my kink is I really need to dress in women’s clothing.’ We’re that outlet. We’re not the evil devil out here, plucking people off the street, keeping them chained up for days on end.”

Below is David Shankbone’s interview with Bill & Rebecca, owners of Rebecca’s Hidden Chamber, a BDSM dungeon.

Contents

  • 1 Meet Bill & Rebecca, owners of a BDSM dungeon
    • 1.1 Their home life
  • 2 Operating the business
    • 2.1 The costs
    • 2.2 Hiring employees
    • 2.3 The prices
  • 3 The clients
    • 3.1 What happens when a client walks through the door
    • 3.2 Motivations of the clients
    • 3.3 Typical requests
    • 3.4 What is not typical
  • 4 The environment
    • 4.1 Is an S&M dungeon dangerous?
    • 4.2 On S&M burnout
  • 5 Criticism of BDSM
  • 6 Related news
  • 7 External links
  • 8 Sources

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Do You Know Where To Find A Tow Truck In Lumberton Texas?

byAlma Abell

Just when you least expect it, you may find yourself in need of a Tow Truck in Lumberton or Beaumont, Texas. You can find a reputable towing company that can rescue you from every imaginable situation. You may have experienced a breakdown or a blowout, stranding you on the side of a busy highway. With cars continuing to pass you at high rates of speed or exhibiting dangerous driving behaviors, you might feel as though your life is in danger. Your peace of mind will be restored when a tow truck pulls up next to you and carefully delivers your car to safety.

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Tow trucks offer several services. They can handle private vehicle towing from residential streets or busy freeways, always with professional and caring service. Tow truck services include both light and heavy duty towing. The same careful, competent service is provided to luxury vehicles or an eighteen wheeler. If you are locked out of your car or have lost the keys, a Tow Truck in Lumberton can unlock your vehicle. This is especially important if your car is running or if a child is locked in your vehicle.

They can even tow your car from dirt roads or off road areas. If you have the misfortune to end up in a canal or any other body of water, tow trucks have the capability to provide underwater recovery. Another service provided by tow trucks is moving portable buildings. If you have a shed or a small structure that needs to be moved from one side of your property to the other or across town, a Tow Truck in Lumberton can complete that move for you. Tow truck companies provide towing services for removal of vehicles trespassing on private property and for auto clubs.

With Spanky’s Wrecker Service, a well trained team of specialists will respond to your call within a few minutes. They have been in business for twenty years and are ready to provide towing services seven days a week, twenty four hours a day. They can also bill your insurance for you. If you find yourself involved in a wreck, stuck on the side of the road, with a flat tire or other breakdown, the answer to your dilemma is a tow truck.

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Oil prices drive new investment in clean technology

Monday, April 24, 2006

Investors are rushing to fund new ventures in renewable energy as Americans continue to see rising gasoline prices at the pump. The price for crude oil continues to rise to new record highs ($75 per barrel of crude oil on NYMEX as of Friday’s close). According to the results of a survey reported by the San Francisco Gate, in the 1st Quarter of 2006 investments in the clean technology sector has increased by 13% to $3.36 Billion in the US. In addition to attracting venture capital, clean technology companies are receiving a buzz from high profile investors.

Bill Gates, Founder of Microsoft, announced last week that his venture group (Cascade Investments) initiated the purchase of 25.5% ownership in Pacific Ethanol Inc. Pacific Ethanol is an ethanol production company that plans to expand operations by opening a new facility in California. Gates is not alone in high profile investments into the clean energy market, Bob Metcalfe (Founder of 3COM and Inventor of Ethernet), who acts as the managing partner of Polaris Ventures, announced the VC’s first investment into the energy market. Polaris, which manages over $3 Billion in funds, invested $6.8 million into GreenFuel Technologies Corporation of Cambridge, MA. GreenFuel Technologies is an emissions to biofuels company, that utilizes natural algae in their patented bioreactors to turn greenhouse gas emissions from power plants into rich bio fuel. Polaris’s investment into GreenFuel was part of the company’s $18 Million Series B financing round that also included a high profile venture capital investor: Draper Fisher Jurvetson. When asked about the new industry venture, Bob Metcalfe said, “Energy has got to be one of the top five problems the world faces, and it’s been frustrating to watch activists and politicians fail to solve the problem,…Now it’s time for the entrepreneurs and scientists to give it a try.”

According to the International Energy Association, demand for renewable energy fuels will more than quadruple in the next decade. The current jump in oil prices is fueling investment into this relatively new market as investors view clean technology as an emerging opportunity rather than a public relations campaign. As gasoline prices continue to rise, alternative fuels become respectively cheaper and more attractive. In his latest State of the Union Address, President Bush outlined a plan to direct new investment into ethanol production and other clean technologies. According to a poll conducted by CBS News, Americans now see gas prices as one of their top three main concerns. With pressure coming from constituents, politicians are beginning to exert pressure on new spending on renewable technology to promote energy independence. Yet another front in this debate is that of environmental concern. With global warming on the rise, and many European governments eagerly searching for a Carbon Dioxide solution, the promise of reducing these emissions by 46% (as claimed by GreenFuel’s bio reactor system) begins to resonate as a promising environmental and business opportunity.

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Wikinews interviews Rocky De La Fuente, U.S. Democratic Party presidential candidate

Thursday, March 31, 2016

Businessman Rocky De La Fuente took some time to speak with Wikinews about his campaign for the U.S. Democratic Party’s 2016 presidential nomination.

The 61-year-old De La Fuente resides in San Diego, California, grew up in Tijuana, and owns multiple businesses and properties throughout the world. Since getting his start in the automobile industry, De La Fuente has branched out into the banking and real estate markets. Despite not having held or sought political office previously, he has been involved in politics, serving as the first-ever Hispanic superdelegate to the 1992 Democratic National Convention.

De La Fuente entered the 2016 presidential race last October largely due to his dissatisfaction with Republican front-runner Donald Trump. He argues he is a more accomplished businessman than Trump, and attacks Trump as “a clown,” “a joke,” “dangerous,” and “in the same category as Hitler.” Nevertheless, De La Fuente’s business background begets comparisons with Trump. The Alaskan Midnight Sun blog described him as the Democrats’ “own Donald Trump.”

While receiving only minimal media coverage, he has campaigned actively, and according to the latest Federal Election Commission filing, loaned almost US$ 4 million of his own money to the campaign. He has qualified for 48 primary and caucus ballots, but has not yet obtained any delegates to the 2016 Democratic National Convention. Thus far, according to the count at The Green Papers, De La Fuente has received 35,406 votes, or 0.23% of the total votes cast. He leads among the many lesser-known candidates but trails both Senator Bernie Sanders who has received nearly 6.5 million votes and front-runner Hillary Clinton who has just shy of 9 million votes.

With Wikinews reporter William S. Saturn?, De La Fuente discusses his personal background, his positions on political issues, his current campaign for president, and his political future.

Contents

  • 1 Interview
    • 1.1 Background
    • 1.2 Campaign
    • 1.3 Issues
    • 1.4 Future
  • 2 Related news
  • 3 Sources
  • 4 External link

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How Unsecured Loans Bad Credit Are Ideal For Business Related Expenses?}

Submitted by: Jazz Johnson

Most of the business owners having a sharp mind find it tough to arrange funds, when the occasion demands. In order to sustain the growth of the business, it is essential to invest a sizeable amount of money. It is only when capital is invested that it may lead to good returns. Maintaining a steady growth with a decent turnover is unlikely, if there is shortage of money. So this issue must be tackled without any delay. When it comes down to circumstances, which can either enhance the scope of business or ruin it, you will have to make a move with a clear mind.

Considering the limited size of the business and the fact that you are looking for a quick way to manage the expenses, you can apply

for the unsecured business loans.

As far as unsecured loans are concerned, the flexibility it offers makes it easy for the business owners to deal with their immediate expenses. Besides, the ease with which you get to attain the funds allows you greater financial freedom. Perfect for the short term expenses, these loans are also made accessible to those with bad credit. The unsecured business loans for bad credit are in fact released without verifying the credit history, which is well appreciated by the borrowers in particular.

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Before making any decision on acquiring the option of business loans in the UK, It is essential to understand how getting the loans will help to serve your business needs. At some point of time or the other, your business may have to face cash related problems. This is precisely where you can avail the option of unsecured line of credit, which is ideal to tackle expenses on needs related to buying provisions, installing new machines, transporting finished goods and so forth.

There are some key advantages of utilising the loans for your business if you have bad credit history, which to a large extent will help in its expansion

Collateral Free Approval without Any Risk

A large number of small business owners will find it difficult to pledge collateral, so as to secure a loan. But with the unsecured option, the same business owners now have a chance to avail the funds, without having to attach any collateral. In the absence of collateral, the processing speeds up and results in its quick approval.

Competitive Interest Rates with Flexible Repayment Options

Apart from being low risk, these loans do come with competitive interest rates. This in turn will make it more convenient to make the payments, without having to undertake any stress as such. Besides, you are only required to make the payments, after making use of the loans. This is what makes these loans a viable option of the business owners.

Appropriate Funds for Regular Cash Flow

Business loans do come in handy, when you have needs to tackle. With the loans providing you an excellent platform to enhance the scope of your business, there is nothing much to worry. In a similar way, the these loans do offer access to regular cash flow, which then helps you to operate, without much of any inconvenience.

About the Author: Loan Store is a reliable online credit lender in the UK, offering viable deals on unsecured business loans that comes with flexible repayment plans and competitive interest rates., To know more

loan-store.co.uk/business-loans.html

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UK broadcaster Setanta enters administration

Tuesday, June 23, 2009

The UK operations of Setanta Sports have been placed into administration. Financial firm Deloitte Touche Tohmatsu confirmed the division would be liquidated.

The sports broadcaster, which employs 420 people in Ireland and the UK, entered administration after plans to raise fresh capital through the Russian-American businessman Leonard Blavatnik failed.

With effect from today, the company is to cease accepting payments from television customers who had subscribed to its broadcasting services, and 200 employees in the United Kingdom are to be made redundant. Administrators will attempt to find a buyer for the Irish and international arms of the company.

The administrators at Deloitte are Neville Kahn, Lee Manning, and Nick Edwards. The specific companies in administration are Setanta Sport Ltd and Setanta Transmissions (UK) Ltd. Setanta Ireland is not under administration.

Setanta’s UK sports channels, Setanta Sports 1 & 2, have ceased transmission in the UK, but are continuing transmission in Ireland. Other UK channels that have gone off-air include Setanta Golf and Setanta Sports News.

Racing UK, which was bundled by satellite and cable television operators with Setanta channels, is not owned by Setanta and will continue transmission. Customers who subscribed to the channel via Setanta will be offered the option of subscribing to the channel directly.

64 of the people facing redundancy work for ITN, which had contracted with Setanta to produce Setanta Sports News.

The rights that Setanta had to broadcast football matches to subscribers are to revert to their rights holders. The rights to broadcast 46 Premier League football matches for the next football season, and 23 matches for the three following seasons, have already reverted, and were sold to United States broadcaster ESPN for £260 million yesterday.

Because of UK and European Union monopoly and competition laws, broadcaster British Sky Broadcasting is not permitted to bid for the broadcasting rights that Setanta had.

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Former northeastern US Republican campaign director charged with conspiracy

Monday, August 15, 2005 James Tobin, a Republican who worked as a regional political director for the RNC-affiliated National Republican Senatorial Campaign Committee, has been charged with conspiracy to deny New Hampshire Democrats the right to vote among three other conspiracy charges. Prosecuters say Tobin conspired with state GOP official Charles Mcgee and consultant Allen Raymond in Virginia, both of whom are cooperating with prosecutors, to have the consultant’s telephone firm make repeated hang-up calls to Democratic and labor union get-out-the-vote phone banks, effectively jamming their phone lines. The New Hampshire Republican State Committee paid $15,600 to the firm. Callers requesting transportation to polling places were thus unable to receive any, allege prosecutors.

Republican John Sunonu won a close US Senate race in New Hampshire following the phone-jammings which occurred in November 2002.

The RNC has been paying Tobin’s legal fees, which have so far amounted to $722,382. The RNC did not specify that the payments were for Tobin’s defense in reports with the FEC, but has since confirmed that they were. RNC Chairperson Ken Mehlman said in a May 18, 2005 statement that he “strongly support[ed]” a “zero-tolerance policy” on election fraud.[1] Some have therefore criticized the GOP for making the payments to the powerful Williams and Connolly law firm. But on August 10, 2005, RNC spokesperson Tracey Schmitt said their support of Tobin through payment of his legal fees is “based on his assurance and our belief that Jim has not engaged in any wrongdoing.”[2]

Tobin’s involvement is said to have been finding the firm to make the calls. Raymond told prosecutors Tobin explained the scheme to him and asked him to implement it, and his lawyers said that he had believed Tobin was acting under RNC sanction in his then capacity as policial director for New England. Tobin went on to work for the president’s re-election campaign.

Paul Tworney, a volunteer lawyer for New Hampshire Democrats said the RNC’s actions suggested more people may be involved. “It originally appeared to us that there were just certain rogue elements of the Republican Party who were willing to do anything to win control of the U.S. Senate, including depriving Americans of their ability to vote. But now that the RNC actually is bankrolling Mr. Tobin’s defense, coupled with the fact that it has refused some discovery in the civil case, really raises the questions of who are they protecting, how high does this go and who was in on this,” said Twoney.[3]

The New Hampshire Democratic Party Chairperson Kathy Sullivan demanded that the state Republican Chairperson Warren Henderson resign.

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Six dead in campus shooting at Northern Illinois University

Thursday, February 14, 2008

Six people were killed and 16 others injured in a shooting at the Northern Illinois University in DeKalb, Illinois, United States.

Reports indicate that the shooter emerged from a curtain or a screen at the front of an auditorium in Cole Hall armed with a shotgun and two pistols and began shooting.

Authorities have tentatively identified the shooter as Stephen Kazmierczak. NIU officials said the shooter was enrolled at the university as late as the spring semester of 2007, and was now a student at the University of Illinois in Urbana-Champaign.

Many of the victims were taken to local hospitals. Kishwaukee Community Hospital reported a total of 18 patients brought to the hospital. Of the 18, only two were admitted. Eight of the patients were discharged later in the day, while seven were transferred to other regional hospitals for treatment. One victim died at Kishwaukee Hospital, another died after being transferred to St. Anthony’s Hospital in Rockford, while the other four fatalities were confirmed at the scene.

News about the shooting emerged at 3:20 p.m. CST, when a special campus notice was posted on the university’s website, indicating the presence of a gunman on campus. Twenty minutes later, NIU announced the cancellation of all classes for the remainder of the evening, and ten minutes after that announcement, NIU officials confirmed there had been a shooting and that emergency personnel were handling the situation.

“The ambulance took away two students on the ground right outside my dorm,” Dominique Broxton, a student at NIU, told the Chicago Tribune. “I don’t know them. They looked bloody. Where I am right now, there are a lot of police, at least a dozen. There are police cars and trucks everywhere.” George Gaynor, a student in the lecture hall when the shooting occurred, added that the shooter looked like “a skinny white guy with a stocking cap on.”

The DeKalb County coroner has released the names of all those killed in the attack. In addition to the shooter, those killed included Daniel Parmenter, 20; Catalina Garcia, 20; Ryanne Mace, 19; Julianna Gehant, 32, and Gayle Dubowski, 20. All were students at NIU. Chicago news outlets are also reporting names of four of the surviving victims:

  • Joseph Peterson, a graduate assistant and instructor of the course in session at the time of the shooting.
  • Patrick Korellias, a student in the class at the time of the shooting.
  • J.D. Donohue’, a student in the class at the time of the shooting.
  • Ah-Num Rahman, a student in the class at the time of the shooting.

Rahman was transferred to Good Samaritan Hospital in Downers Grove with shotgun wounds to both arms and the side of her face. The other three remain at Kishwaukee Community Hospital.

NIU president John Peters released some details about the shooter during a press conference following the shooting. Kazmierczak had been a student at NIU but transferred to the University of Illinois at Urbana-Champaign for the current academic year. He was pursuing a graduate degree in sociology, with an emphasis in peace and social justice. Kazmierczak won a Dean’s Award for a project in 2006, and was active in the student government while at NIU. Officials at a press conference also indicated that Kazmierczak was taking medication for an unspecified condition, and discontinued use of that medication approximately two weeks prior to the shooting.

The campus of Northern Illinois University is closed until further notice, and officials have announced the cancellation of all athletic events, home and away, through at least Sunday, February 17.

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Take Care Where You Buy Your Mortgage Protection Insurance

By Simon Burgess

When it comes to buying mortgage protection insurance you have to take care. Mortgage cover is usually offered at the time of taking out the borrowing. However, by taking this option you could end up paying far too much. If you choose to go independently for the cover with a specialist in payment protection you can save hundreds or even thousands of pounds on the insurance.

Mortgage protection insurance is taken out by those who fear they may be unable to work sometime in the future. An individual could become unemployed by way of involuntary redundancy; suffer an accident; or an have a long term illness. However while their income would be lost the mortgage repayments have to be kept up. If you were to get behind on them then you risk losing your home to repossession. However for a small premium each month you could have a tax free income which would ensure you have the money needed should you become unable to work .

Policy terms, conditions and benefits can vary but in general they will start to provide you with a monthly lump sum from between day 30 and 90 of finding yourself unable to work. It would then carry on for between 12 and 24 months depending on the provider.

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The terms and conditions are essential to deciding if mortgage protection insurance would be suitable for your needs. Cover is not suited to the circumstances of all due to the exclusions. There are exclusions which are familiar to the majority of payment protection policies and ones that can be added in by the provider. You have to check very carefully if you are self-employed, suffering a pre-existing medical condition, are retired or if you only work in a part time position. However these can vary slightly between providers so always double check and delve deeper into the actual wording of the policy before choosing.

It is worth considering cover with an independent provider as opposed to taking the protection offered alongside the borrowing. This is because many high street banks and lender have been named and shamed in the recent and still ongoing mis-selling scandal that has occurred within the payment protection insurance industry. Many companies have received fines for slap dash sales practices and for failing to give adequate information at the time of selling cover. Cover has been sold to those who could not hope to claim and were not made aware that there are exclusions.

Since the scandal came to light, some changes for the better have been seen and many firms are making positive changes to the way they sell mortgage protection insurance. However there are also some that are still carrying on in their old ways and during 2007 over 4,000 cases of mis-selling were investigated. The Financial Services Authority insists they will do everything in their power to improve the way insurance is sold.

The key to buying the right mortgage protection insurance is to shop around for the cover and ensure you read the small print carefully.

About the Author: Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of

mortgage protection insurance

, loan protection insurance and income protection insurance.

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