13th August 2007

Your Wealth: Pound Notes

MOTORCYCLE insurance specialist Bennetts are offering an introductory discount of 47.5 per cent to people with two years’ biking experience but no no-claims bonus. They also offer cover tailored to your lifestyle and manufacturer-specific schemes. Call 0870 333 0007.

DIVORCING couples should consider selling their with-profits endowment policies when they split rather than surrendering them, because they could end up a third better off, say Neville James Ltd, who are in the market for traded endowment policies. The firm say that two-thirds of policies never come to maturity.

BRITONS are wasting more than pounds 1,000 billion because two- thirds of us die without making a will, says IFA Promotion, which represents independent financial advisers. Most of it goes in inheritance tax which is paid unnecessarily by families of people without wills.

YOU don’t always have to take the retirement income offered by your pension provider. If you shop around you may be able to get more income from the same pension fund. Now Bridgegate Annuities, the Chester-based annuity broker, have launched an advice service for those who are about to retire and want to do just that. Details: 01244 401 991.

WIN prizes and help Save the Children at Barclays until November 28. Anyone calling in to discuss personal savings gets a free set of Save the Children Christmas cards - which could contain a pounds 10,000 jackpot or one of thousands of pounds 10 prizes. Barclays will match the prizes to donate at least pounds 150,000 to the charity.

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13th August 2007

Your Wealth: Financial news round-up

THE Association of British Insurers has launched a confidential hotline for honest policyholders to “get their own back” on insurance cheats. The ABI says fraudulent claims add pounds 1 a week to the average family’s insurance bill. Several fraudsters have already been exposed by anonymous tip-offs, including a claim for a stolen car when really it had been passed to a friend who was dismantling it for spares. Another woman claimed for stolen possessions following a burglary, but had really stored them with a relative until the claim had been paid. If you know a cheat, call the insurance hotline on 0800 328 2550.

BIRMINGHAM Midshires members should vote now for the take-over of the society by the Halifax if they want their windfall payment, which is expected to average pounds 1,250. You have until midnight on Tuesday for postal votes to be received by the scrutineers.

FOR EVERY LittleXtra children’s account opened by January 3, Halifax will donate pounds 1 to Save The Children. This follows a similar promotion last year which raised pounds 30,000 for NCH Action for Children.

GENERAL Direct has launched a car insurance policy aimed at 17 and 18- year-olds who have just passed their driving test. It offers them the chance to cut their normally high premiums by transferring a No Claims Bonus from their motorcycle or moped to their new car. This can mean a discount of 30 per cent on their new premium. For a quote call 0800 78 313 92.

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13th August 2007

Travel: North America - Who says John Wayne is dead?

John Ford must be directing this scene through a celestial bullhorn. Tall hats etch the skyline under the desert sun, as our horses pick their way around a crumbling sandstone ledge of Thunderbird Mesa, beside a vertical drop of 200 feet. It’s best not to look down.

This is Monument Valley, on Arizona’s northern border with Utah where, nearly 60 years ago, Ford shot his classic western, Stagecoach, and a clutch of later movies, immortalising the actor John Wayne. The awesome scenery hasn’t changed in more than a thousand years and it still takes some rugged riding for disciples of the Duke to follow in his shadow.

Jingling spurs and the creak of saddles are the only accompaniment to our anxious traverse, led unconcernedly by the white Stetson of what must be Wayne’s reincarnation, Don Donnelly, chewing a trademark toothpick, his grey mount, Steel, stepping confidently over rock scree on a serpentine descent. A few paces behind is a figure with Hollywood good looks, in cavalry uniform, gold epaulettes on a Yankee shirt, straight out of central casting. Bob Marelli, a mounted policeman from Newark, New Jersey, has been a devotee of the Duke from childhood. He had his attire - after a Wayne character - personally tailored, and he’s become known to us as Cap’n Bob. It is his second trip, and three of his police colleagues - one a motorcycle cop and two desk-bound lieutenants - have joined him. At his heels shambles another rider in dusty brown chaps, and collar- length lank hair under a black hat. He could pass muster among the Hole- in-the-Wall gang, until you speak to him. Ian Drake is a computer analyst from Essex, complete with appropriate accent, who belongs to the British Cowboys Rodeo Association and began riding three years ago. “I never thought I’d be praying for my horse,” he said as we negotiate a precipice. The ride has attracted 29 of us from the States, Europe and Israel. Lawyers, policemen, engineers, estate agents, a store-buyer, a retired headmaster, an interior decorator, ranchhands, grandmothers, and a couple from a kibbutz. “We cater for all sorts,” says Donnelly. “It helps if you’ve been on a horse before.” The valley is mercifully free of 20th-century toys. “If you’ve brought any mobile phones, fax machines, or computers, you can drop them in the bin here,” he says. The landscape bespeaks scores of famous movies it has inspired, Fort Apache, She Wore a Yellow Ribbon, 2001: A Space Odyssey and Cheyenne Autumn among them. This is Indian territory, with the Navajo reservation inhabiting Monument Valley, ironically given to them as land the White Man didn’t want and which is now a major tourist attraction. Its towering monoliths and mesas, once the bed of an ancient sea, were eroded by wind and weather into mystical shapes the Navajo have named the Ear of the Wind, the Eye of the Sun, the Bear, and Camel Butte. They now live in scattered communities, some in traditional dome-shaped hogans. They are silversmiths and rugmakers, tending their sheep - and the tourists who are now a prime source of revenue. The valley spans 40 by 50 miles, stippled with black and purple sage, cactus, juniper and yucca. Jack rabbits bound among the brush. Our horses take us to the parts others rarely reach. We visit ruins, a thousand years old, which were once occupied by the Anasazi, cliff- dwellers who mysteriously abandoned the valley in the 15th century, leaving their petroglyphs for us to decipher. We camp at Pancake Flats, cavalry fashion, in orderly rows of tents big enough to stand in. They contain a steel chair, a canvas bed, a sleeping bag and - a nice touch, this - a sweet on the pillow. The valley is without water or electricity. None the less, a generator provides illuminated washbasins, hot showers and Portaloos in the open - “five-star camping,” the Donnellys assure us. The food from the chuckwagon tent is pretty good, too. Fruit, cereals, and cooked American breakfasts. We ride out for six hours, with a picnic lunch, or barbecue carried on pack horses. Snacks await our return, before dinner - salads, steaks, joints and poultry, with sweets from a French chef. The lure of the West has brought Donnelly a lucrative living. He has much in common with the Duke. At 6ft 4ins he’s the same height, with a matching drawl and years of experience conducting sorties into this wilderness. The only complaints I heard were of aching muscles. Most riders considered it a fantasy fulfilled, the experience of a lifetime. As we ride out of the valley onto dirt roads bringing in busloads of visitors, other tourists leap out with cameras, little knowing the riders they photograph are as metropolitan as themselves. One demands of Donnelly: “Are you the original John Wayne?” He laughs and chews his toothpick. Fact File Getting there: The only direct flight from the UK to Arizona is British Airways’ (0345 222111) daily departure from Gatwick to Phoenix. Fares are excellent at this time, if you book through a discount agent; Quest Worldwide (0181-546 6000) quotes pounds 276. Driving through: Car rental works out at around pounds 25 a day, including insurance, if you book in advance. Ride on: The ride (including food and camping) costs pounds 700 for five days, pounds 950 for eight. Further information: Don Donnelly Horseback Vacations, 6010 South Kings Ranch Road, Gold Canyon, Arizona 85219 (001 602 892 7822)

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