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    <td align="RIGHT"><b><font size="1" color="#FFFFFF">Homes and Property</font></b></td>
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          <td colspan="2" bgcolor="#003399"><font color="#FFFFFF" size="1"><b><font color="#FFFFFF" size="1">Homes 
            and Property - E: <a href="mailto:kensington@myvillage.co.uk">kensington@myvillage.co.uk</a></font></b></font></td>
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        <tr valign="top"> 
          <td colspan="2" bgcolor="#003399"><font size="1"><b><font color="#FF9900"><a name="women"></a></font><font size="1"><font size="1"><font color="#FFFFFF"><b>Women 
            Lead the Property Race </b></font></font></font></b><font size="1"><font size="1"><font color="#FFFFFF">- 
            04/04/01</font></font></font></font></td>
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          <td><img src="../../images/homes_property/houseSgood.jpg" width="100" height="100"></td>
          <td> 
            <p><font size="1"> <font color="#FFFFFF">A woman's place is in the 
              home - with her name on the title deeds. That's the conclusion of 
              a survey which shows a new generation of women homeowners blazing 
              a new millennium property trail. </font></font></p>
            <p><font size="1" color="#FFFFFF">Independent women are no longer 
              waiting for a so-called Mr Right to come along before buying a place 
              of their own. The survey of first-time buyers by giant lender the 
              Woolwich shows 73% of women bought their first home on their own 
              - compared to just 48% of men. </font></p>
            <p><font size="1" color="#FFFFFF">Young women are itching to get away 
              from the parental nest - 28% say leaving the family home is the 
              biggest motivation for buying a house. But although they want to 
              put some distance between them and their families, they are still 
              grateful for some financial help. </font></p>
            <p><font size="1" color="#FFFFFF">Women are almost twice as likely 
              to rely on a financial leg up the property ladder by funding their 
              deposits with cash gifts from their family - 32% of women have a 
              handout, compared to just compared to 17% of men. And they are more 
              likely to consult their parents rather than their partner when it 
              comes to buying a property - 54% of women value parental advice, 
              compared to 31% of men. </font></p>
            <p><font size="1" color="#FFFFFF">The survey reveals 63% of first-time 
              buyers save for their deposit themselves, 27% use a cash gift from 
              family or a windfall and 10% borrow their deposit. </font></p>
            <p><font size="1" color="#FFFFFF">Other poll findings show nice neighbours 
              come second only to location when choosing a first home. One in 
              five rate nice neighbours as the single most important factor in 
              buying their home. And a great garden is more important to men than 
              women, with 20% saying this is a deciding factor, compared to 12% 
              of women. </font></p>
            <p>&nbsp;</p>
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          <td colspan="2" bgcolor="#003399"><font size="1"><b><font color="#FF9900"><a name="safe"></a></font> 
            <font color="#FFFFFF">Safe and Sound ? </font></b><font color="#FFFFFF">- 
            04/04/01</font></font></td>
        </tr>
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          <td><img src="../../images/homes_property/houseSgood.jpg" width="100" height="100"></td>
          <td> 
            <p><font size="1" color="#FFFFFF">You shut the front door on the world 
              and feel safe in your own home - but your confidence could be misplaced, 
              according to a new study. </font></p>
            <p><font size="1" color="#FFFFFF">Shocking accident statistics reveal 
              more people are killed in the home every week than die in road accidents. 
              In the United Kingdom 76 people are killed in domestic accidents 
              every week compared to 66 who die in road accidents. The causes 
              of death included fires, carbon monoxide poisoning, burns, drowning, 
              accidental collisions and DIY accidents. </font></p>
            <p><font size="1" color="#FFFFFF">In 1999 more than 2.8 million people 
              needed hospital treatment following domestic accidents compared 
              to 320,310 after road accidents. Consumer Affairs Minister Kim Howells 
              describes the figures as ``worrying'', adding that all the deaths 
              are completely unnecessary. </font></p>
            <p><font size="1" color="#FFFFFF">``People are suffering from unnecessary 
              accidents in the home,'' he says. ``These are worrying figures which 
              can be reduced simply by changing behaviour. ``The most vulnerable 
              people are the elderly and the very young. We have launched specific 
              campaigns to target these groups to make sure that the home becomes 
              a safer place.'' </font></p>
            <p><font size="1" color="#FFFFFF">The figures are part of the Department 
              of Trade and Industry's annual Home Accident Surveillance System 
              report. It shows that: </font></p>
            <p><font size="1" color="#FFFFFF">:: 76 people are killed in accidents 
              in the home every week</font></p>
            <p><font size="1" color="#FFFFFF"> :: More than 1.2 million people 
              a year have to visit casualty after a fall in the home. This year 
              one in 12 people aged over 75 will go to casualty after a fall</font></p>
            <p><font size="1" color="#FFFFFF"> :: Every day 55 pre-school children 
              go to casualty with burns and scalds sustained in their own home, 
              mostly from spilled cups of tea </font></p>
            <p><font size="1" color="#FFFFFF">:: There are 99,000 injuries every 
              year in DIY-related activities - 40,000 involving ladders </font></p>
            <p><font size="1" color="#FFFFFF">:: 590,000 people a year need emergency 
              treatment after colliding with an object or another person in the 
              home. </font></p>
            <p><font size="1" color="#FFFFFF">``It is worrying to see that so 
              many people are still being needlessly injured in the home each 
              year,'' says Sarah Colles, Home Safety Adviser for the Royal Society 
              for the Prevention of Accidents. ``Home safety is everyone's responsibility 
              and we should work together in a bid to raise home safety awareness.'' 
              </font><font size="1"> </font></p>
            <p>&nbsp;</p>
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        <tr valign="top"> 
          <td colspan="2" bgcolor="#003399"><font size="1"><b><font color="#FF9900"><a name="trauma"></a></font><font color="#FFFFFF">Traumatised 
            Flatmates Avoid Each Other </font></b><font color="#FFFFFF">- 04/04/01</font></font></td>
        </tr>
        <tr valign="top"> 
          <td><img src="../../images/homes_property/houseSgood.jpg" width="100" height="100"></td>
          <td> 
            <p><font size="1" color="#FFFFFF">Your kids are usually happy when 
              they live at home - but are they heading towards a nightmare when 
              they share a flat for the first time? Nearly a quarter of young 
              flatmates are so traumatised by their house-sharing experiences 
              that they go out of their way to avoid ex-flatmates, according to 
              a new survey. </font></p>
            <p><font size="1" color="#FFFFFF">Some 22% of those aged 16-24 who 
              have lived in a house-share evade contact with at least one of their 
              former flatmates, the survey shows. More than half (55%) of young 
              adults interviewed say they found the flat-share stressful and 43% 
              did not get on with one or more of their fellow housemates. </font></p>
            <p><font size="1" color="#FFFFFF">The report, commissioned by Abbey 
              National's student banking team, shows 17% are still chasing ex-sharers 
              for unpaid debts. The research says that, in flatmates of all ages, 
              nearly one in five (17%) complain their fellow residents are noisy, 
              smelly and generally offensive. Nearly a quarter (24%) criticise 
              their flatmates for not pulling their weight and 7% claim fellow 
              housemates have stolen food or drink from them. </font></p>
            <p><font size="1" color="#FFFFFF">It seems clear you should be very 
              wary when sharing a flat. Do not assume good friends will make good 
              flatmates. However much fun they are on a night out, the morning 
              after they may have different ideas about living arrangements. </font></p>
            <p><font size="1" color="#FFFFFF">When you enter into a lease with 
              your new flatmates, you are all liable under that lease, so it may 
              be a good idea to agree to some basic rules in a ``flatmate understanding''. 
              Joint liability means any or all of the flatmates can be held liable 
              when just one of the flatmates fails to meet obligations under the 
              lease, such as late rent or damage. </font></p>
            <p><font size="1" color="#FFFFFF">The flatmate understanding should 
              detail each one's obligation to the other members of the household. 
              All flatmates should sign and date the understanding to show good 
              faith. The understanding could cover a whole range of issues but 
              the biggest one is the rent. Agree whether each flatmate will pay 
              their share of the rent separately, or whether one member of the 
              household will be responsible for paying all of the rent on time. 
              </font></p>
            <p><font size="1" color="#FFFFFF">Do such privileges as a pet, larger 
              room, or parking mean that one person will pay a larger share of 
              the rent? Check who will be responsible for the phone, electricity 
              gas and other communal bills and how everyone's share will be calculated. 
              </font></p>
            <p>&nbsp;</p>
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          <td width="30%"><font color="#FFFFFF" size="1"><b>archive features</b></font></td>
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            <p><font size="1"><b>Homes & Property<br>
              </b></font><font size="1"><b><font color="#FFFFFF"><a href="../../kensington/homes-property-features1/#trauma">Traumatised 
              Flatmates Avoid Each Other - 04/04/01</a></font></b></font></p>
            <p><font size="1"><b><font color="#FFFFFF"><a href="../../kensington/homes-property-features1/#safe">Safe 
              and Sound ? - 04/04/01</a></font></b></font></p>
            <p><font size="1"><b><font size="1"><font size="1"><font color="#FFFFFF"><b><a href="../../kensington/homes-property-features1/#women">Women 
              Lead the Property Race </a></b><a href="../../kensington/homes-property-features1/#women">- 
              04/04/01</a></font></font></font></b></font></p>
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