Wealth Management

Get Bankruptcy Help In St. Charles Mo

byAlma Abell

Taking care of your finances is extremely important, so you do not become overwhelmed with debt. Unfortunately, even the most financial savvy of people can become overwhelmed with debt and find themselves in major financial distress. Instead of panicking about your condition, it is important you actively work to free yourself of the cumbersome debt. You should first work to contact creditors and see what type of payment arrangements they are willing to work out with you. If this proves unsuccessful, you will then need to get bankruptcy help from the Law Offices of Steven K. Brown. Though this method of eliminating debt is not for everyone, it has been able to successfully help millions of people to overcome their debt and make better financial decisions in the future.

[youtube]http://www.youtube.com/watch?v=x7GpVWLb7mw[/youtube]

How Can You Get Bankruptcy Help St. Charles MO?

To get help for overcoming your debt, you need to speak with a lawyer. Your lawyer can go over all of the debts you owe, your assets and how much you make each month. This vital information will help the lawyer in assisting you on knowing which of the two types of bankruptcy will best benefit your needs. To make a decision on bankruptcy, it can help to know more about your options and the benefits offered by both.

Chapter 13 bankruptcy requires you pay a monthly payment through the court. This payment is divided among the creditors you owe. It slowly pays down your debt, over the period of bankruptcy, usually between two to five years, depending on the amount of debt you owe. You are allowed to keep all of your assets. This makes this option for bankruptcy popular among people who do not want to lose their property.

Chapter 7 bankruptcy requires you to sale all of your non-essential property. You are not required to sale your residential home, car, furniture or clothing. These items are protected under the bankruptcy laws. Chapter 7 bankruptcy is usually accomplished in six months, with the aide of a court-appointed trustee.

If you are considering bankruptcy, Visit http://www.stevenbrownlaw.com, so you can learn more about your options. He can help you to make the best choice for bankruptcy, so you can finally be free of the overwhelming debt you owe.

Three Walmart superstores open in Canada

Wednesday, November 8, 2006

Wal-Mart Canada’s first three supercenters opened in Ancaster, London and Stouffville, Ontario.

The idea originally started in the United States in late 2005 and was announced that it would be arriving in Canada.

Flat screen TVs suspended from the ceiling will feature a television network, featuring fashion shows of Wal-Mart’s clothing lines, TV commercials featuring brands the retailer carries, and corporate messages.

With an expanded selection of electronics, hardware, home and housewares, the Wal-Mart supercentre could be compared to Future Shop, Home Depot, Home Outfitters, Shoppers Drug Mart, and Fortinos. The supercentre has wider aisles, higher ceilings, clear signage, and cash registers in selected departments such as electronics and clothing.

“Our goal is to become the one-stop shop for customers,” said Mario Pilozzi, chief executive of Wal-Mart Canada. “You see how fresh that is today? We are going to maintain that freshness in these stores.”

Wal-Mart’s Canadian supercentres are more sophisticated then their U.S. counterparts, because Canadian grocers have created higher expectations among the average consumer, company officials say.

However, Wal-Mart openings are controversial in many communities. Activists claim they can be detrimental to local economies, driving out locally owned businesses, lowering wages, and leading to suburban sprawl.

Wal-Mart already has plans to open fourteen new supercentres in 2007, of them Scarborough, Sarnia, Brampton and Vaughan will be early in the year.

Six killed in UK car crash

Saturday, February 14, 2009

A car crash on the A614 road, in Nottinghamshire, England has killed six people, all of whom are believed to have lived near the scene of the crash.

All six victims died at the scene of the crash, which involved four young adults in a Peugeot 206 and two elderly people, possibly a male and female, who police believe to be in their 60s, in the other car said to be a Ford Fiesta. Rescue workers fought to save the one of the elderly individuals, but were unsuccessful. Both vehicles collided head-on and exploded upon colliding.

Two police officers on traffic patrol discovered the crash, which took place at 23:00 local time (UTC) yesterday. The officers involved were praised by Bruce Cameron, a superintendent for Nottinghamshire Police. “The bodies are very badly burnt and they will have to be identified using dental records. We want to make sure we are absolutely certain as to who was in both cars when the accident happened,” he said.

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Local residents say that the A614 has been the scene of a large number of accidents. One resident, Stuart Stonebridge, told The Daily Telegraph that “we only moved here three years ago and there have been a lot of accidents and some fatalities in that time,” while another resident, Janice Gilbody said that “the people of Bilsthorpe will be in shock, horror and disbelief at the young lives lost.”

Gilbody also said that this accident is “yet again another accident on this road.” She then added that the road was dangerous, saying that “it’s a wonder it doesn’t happen more often.”

The cause of the crash is still under investigation, but police say weather was not a contributing factor.

At least seven dead after bomb blast in Northwestern Pakistan

Wednesday, February 3, 2010

According to reports, at least eight people, including three United States military personnel and four schoolgirls, were killed earlier today by a roadside bomb near a girls’ school in north-western Pakistan. Another 62 were injured. The incident occurred in a village in the Lower Dir district, near Swat Valley.

The Los Angeles Times reports that the US troops were travelling to the area in a convoy to attend the opening ceremony of the school for girls when the explosion occurred.

In a statement, the US embassy in Pakistan commented that “three Americans were killed and two injured in a terrorist bomb explosion at about 11:20am today in the Lower Dir district of Pakistan’s federally-administered tribal areas.

“The Americans were US military personnel in Pakistan to conduct training at the invitation of the Pakistan Frontier Corps. They were in Lower Dir to attend the inauguration ceremony of a school for girls that had recently been renovated with US humanitarian assistance,” it added.

Mohammed Wakeel, the chief doctor at the local hospital, confirmed that some of the dead were schoolgirls, saying: “We have four dead bodies [in the hospital]. They are schoolgirls aged ten to fifteen. We have received 65 injured; most of them are girls.”

Rema Bibi, a sixth-grader, was in the school when the explosion happened. She recalled her experiences, stating that “We were all busy with classwork when the a part of the roof collapsed,” as quoted by the Los Angeles Times.

The Taliban, meanwhile, claimed responsibility for the attack. “We claim responsibility for the blast,” said a Taliban spokesman, Azam Tariq.

The US does not officially have stationed troops in Pakistan, although there a few personnel are there. Their duties are primarily to train and advise Pakistani security forces over tactics against local rebel groups.

Rapper Snoop Dogg arrested on cannabis charges

Tuesday, January 10, 2012

Music celebrity Calvin Broadus (aka Snoop Dogg) was arrested by US Customs and Border Protection on Saturday at the US/Mexico Sierra Blanca highway border checkpoint for illegal possession of drug paraphernalia.

Customs and Border Protection spokesman Bill Brooks said agents smelled cannabis when doing a routine search of Mr. Broadus’s tour bus. “When our officers did a further inspection,” he said, “they discovered a small amount of [cannabis] and turned him over to the Hudspeth County sheriff”. A local County Judge, Becky Dean Walker, stated the typical punitive measure for an illegal drug paraphernalia citation is up to a $500 mail-in fine.

Mr. Broadus’s agent was not available for comment. Mr. Broadus has stated in interviews that he has a prescription for cannabis in the US state of California, for migraines and blurry vision. He has been in trouble with the law in the past, and has had a number of convictions on weapon and drug possession charges. Willie Nelson, another music celebrity, was arrested at the same checkpoint for similar charges in November of 2010. The musicians created a song and music video together about cannabis in 2008, called My Medicine.

Pfizer and Microsoft team up against Viagra spam

Sunday, February 13, 2005

New York –”Buy cheap Viagra through us – no prescription required!” Anyone with an active email account will recognize lines like this one. According to some reports, unsolicited advertisements (spam) for Viagra and similar drugs account for one in four spam messages.

BACKGROUND

Spamming remains one of the biggest problems facing email users today. While users and systems administrators have improved their defenses against unsolicited email, many spammers now insert random words or characters into their letters in order to bypass filters. The Wikipedia article Stopping email abuse provides an overview of the various strategies employed by companies, Internet users and systems administrators to deal with the issue.

Ever since pharmaceutical giant Pfizer promised to cure erectile dysfunction once and for all with its blue pills containing the drug sildenafil citrate, spammers have tried to tap into male anxiety by offering prescription-free sales of unapproved “generic” Viagra and clones such as Cialis soft tabs. Legislation like the U.S. CAN-SPAM act has done little to stem the tide of email advertising the products.

Now Pfizer has entered a pledge with Microsoft Corporation, the world’s largest software company, to address the problem. The joint effort will focus on lawsuits against spammers as well as the companies they advertise. “Pfizer is joining with Microsoft on these actions as part of our shared pledge to reduce the sale of these products and to fight the senders of unsolicited e-mail that overwhelms people’s inboxes,” said Jeff Kindler, executive vice president at Pfizer.

Microsoft has filed civil actions against spammers advertising the websites CanadianPharmacy and E-Pharmacy Direct. Pfizer has filed lawsuits against the two companies, and has taken actions against websites which use the word “Viagra” in their domain names. Sales of controlled drugs from Canadian pharmacies to the United States are illegal, but most drugs sold in Canada have nevertheless undergone testing by the U.S. Food and Drug Administration. This is not the case for many of the Viagra clones sold by Internet companies and manufactured in countries like China and India. While it was not clear that CanadianPharmacy was actually shipping drugs from Canada, Pfizer’s general counsel, Beth Levine, claimed that the company filled orders using a call center in Montreal, reported the Toronto Star.

For Microsoft’s part, they allege that the joint effort with Pfizer is part of their “multi-pronged attack on the barrage of spam.” As the creator of the popular email program Outlook, Microsoft has been criticized in the past for the product’s spam filtering process. Recently, Microsoft added anti-spam measures to its popular Exchange server. Exchange 2003 now includes support for accessing so-called real-time block lists, or RTBLs. An RTBL is a list of the IP addresses maintained by a third party; the addresses on the list are those of mailservers thought to have sent spam recently. Exchange 2003 can query the list for each message it receives.

Global markets plunge

Friday, October 10, 2008

Stock markets across the world have fallen sharply with several seeing the biggest drop in their history.

Asian markets saw the biggest sell-off. The Nikkei dropped 9.62% to reach a 20 year low. Japan also saw a collapse of a mid-size insurance company, Yamato Life Insurance Company, which declared bankruptcy. The Hang Seng, which was one of the few markets that was positive yesterday, fell 7.19%. Australia dropped by 8.4% and South Korea saw a 9% fall.

In Europe, markets dropped at the open with the FTSE losing 11%. They have recovered only sightly with all European markets losing more than 5%. The European sell off was more about the Asian lows then any specific news. European banks and financial institutes saw the most selling. Also, oil related companies saw large drops as an result of an expected decrease in oil consumption.

The U.S. markets opened lower with the Dow Jones Industrial Average falling below 8,000, before recovering slightly. President George W. Bush made an address on the economy and said markets were being “driven by uncertainty and fear.”

Oil has seen losses of more than US$6 in trading with the current price of a barrel of oil less than $80. This is a year low for oil. News also came out that OPEC will hold an emergency meeting on November 18 to discuss the falling price of oil.

Charities, such as Cats Protection, today said that they have lost much of their funds in collapsing banks. Cats Protection had a total of £11.2 million saved in the now-collapsed Kaupthing bank.

The British National Council for Voluntary Organisations said that 60 of its 6,500 have lost money due to the collapse of banks.

Contents

  • 1 Stock markets
    • 1.1 Dow Jones Industrial Average
    • 1.2 FTSE 100
    • 1.3 Nikkei 225
  • 2 International reaction
    • 2.1 George W. Bush
    • 2.2 Gordon Brown
    • 2.3 Jim Flaherty
  • 3 Market data
  • 4 Sources

The Dow Jones Industrial Average fell to its lowest level in five years at 8,579.19, falling 679 points in one day. This, at 7.3%, is the eleventh largest percentage fall in the history of the index. The growth then continued, with the index being up over 150 points on the start of the day at one point.

The index, did however, recover, and as of 19:30 UTC was up 17.68 points, or 0.21%, pushing the index up to almost 8600.

Peter Cardillo, chief market economist at Avalon Partners, commented on these massive falls. “What we’ve seen here was one big margin call that just kept feeding on itself, so the opposite could happen. But you need a catalyst,” he said. “I’m more convinced now than ever that this market has made a bottom. The capitulation came when we breached 8,000,” he continued. “It doesn’t mean we can’t go back and revisit that level.”

The UK’s FTSE 100 index fell dramatically to close below 4000, in the index’s worst week in history. This is despite the fact that just a few days ago the index was above 5000, and the index peaked above 5500 in September.The FTSE 100 index has fallen by 41% this year.

Barclays Wealth analyst Henk Potts commented on this massive fall. “We are drowning in a sea of red numbers,” he claimed. “Investors are concerned about the exacerbation of the credit crunch and the gloomy forecasts for economic growth. The reality is that most investors have been spooked by the sheer pressure that the credit crunch is putting on the global economy.”

The Japanese Nikkei 225 has recorded it’s third biggest drop in history with a massive sell-off in the exchange that has resulted in USD 250 billion being knocked of the index’s value.

Toyota, which is the second largest carmaker in the world, fell by the largest amount in 21 years, while Elpida Memory, the world’s largest manufacturer of computer memory, dropped in value to a record low.

Masafumi Oshiden, a fund manager in Toyota commented on the drop.”It’s capitulation,” he said. “There are lots of forced sellers. If you’re a fund that’s going bust you need to close out all your positions.”

George W. Bush commented on the financial situation earlier today. “Over the past few days, we have witnessed a startling drop in the stock market — much of it driven by uncertainty and fear,” he said. “This has been a deeply unsettling period for the American people. Many of our citizens have serious concerns about their retirement accounts, their investments, and their economic well-being.”

Bush then continued by promoting the government’s plan’s to get through the crises. “Here’s what the American people need to know: that the United States government is acting; we will continue to act to resolve this crisis and restore stability to our markets. We are a prosperous nation with immense resources and a wide range of tools at our disposal. We’re using these tools aggressively.”

Gordon Brown, the UK Prime Minister, also spoke on the economy. “I think we quickly realised that we cannot solve the problems we have got as a result of the sub-prime market collapse simply by improving liquidity,” he said speaking in Birmingham to business leaders earlier today. “That would simply not be enough to deal with the bigger problem of rebuilding the banking system for the future and restoring trust is a fundamental element of that.”

Jim Flaherty, the Canadian minister for finance, also commented today on the recent incidents in the economy. “It is important to underline that Canada’s banks and other financial institutions are sound, well capitalized and less leveraged than their international peers,” he claimed. “Our mortgage system is sound. Canadian households have smaller mortgages relative both to the value of their homes and to their disposable incomes than in the U.S.”

“”However, it is becoming increasingly clear that the continuing disruption of global credit markets, which has been severe and protracted, is making it difficult for our financial institutions to raise long-term funding. This is beginning to affect the availability of mortgage loans and other types of credit in Canada,” he continued. “The Government has therefore decided to act to address the current scarcity of private sector lending to Canadian mortgage markets and lending markets overall. This is going to make loans and mortgages more available and more affordable for ordinary Canadians and businesses.”

20:15, 10 October, 2008 (UTC)
  • DJIA
  • 8.451,19 128,00 1,49%
  • Nasdaq
  • 1.649,51 4,39 0.27%
  • S&P 500
  • 899,22 10,70 1,18%
  • S&P TSX
  • 9.264,57 335,61 3.50%
  • IPC
  • 19.952,30 357,87 1,76%
  • Merval
  • 1.215,990 71.340 5,54%
  • Bovespa
  • 35.615,26 1,474.03 3,97%
  • FTSE 100
  • 3.932,06 381,74 8,85%
  • DAX
  • 4.544,31 342,69 7,01%
  • CAC 40
  • 3.176,49 266,21 7,73%
  • SMI
  • 5.347,22 451,62 7,79%
  • AEX
  • 258,05 23,92 8,48%
  • BEL20
  • 2.123,44 117,44 5,24%
  • MIBTel
  • 15.438,00 1,081,00 6,54%
  • IBEX 35
  • 8.997,70 905,20 9,14%
  • All Ordinaries
  • 3.939,50 351,80 8,20%
  • Nikkei
  • 8.276,43 881,06 9,62%
  • Hang Seng
  • 14.796,90 1,146,37 7,19%
  • SSE Composite
  • 2.000,57 74,01 3,57%

    Business Finance

    Attorneys, Naples, Fl: The Benefits Of Filing For Bankruptcy

    byalex

    Over 1.5 million people filed for bankruptcy in Federal Courts across the United States in 2010. There is no longer stigma attached to filing for bankruptcy and the consequences are manageable too. However, you should let experienced attorneys from Naples, FL, handle your case to gain the benefits that bankruptcy offers. Bankruptcy defines the legal status of a person or an organization that can no longer repay its creditors. It is always better to file for bankruptcy before a petition is made against the business or an individual debtor.

    Attorneys, Naples, FL: Top 3 Advantages of Filing for Bankruptcy

    Only months after filing for bankruptcy experienced attorneys in Naples, FL, can help you reestablish your credit rating. Given below are some more benefits.

    1. Bills away: A Chapter 13 bankruptcy plan can help you eliminate most, if not all, of your credit card debt, old medical bills and other unsecured debts. It helps you get a handle on the debt you may have incurred. Chapter 13 Bankruptcy creates an affordable payment plan, in which a period of 3 to 5 years is given to you, so that you may make monthly payments to the bankruptcy court.
    2. Creditors: Once you have filed for bankruptcy, no creditor can try to collect what you owe them, or even talk to you about it. The collection must immediately cease, pending the outcome of the bankruptcy petition. If you hire attorneys in Naples, FL, the creditors must then contact your attorneys directly. However, in case you don’t, the creditors are still allowed to contact you even after filing a bankruptcy petition. Two key legal protections that are offered while filing personal bankruptcy is the automatic stay and the debt discharged. Both are to protect you from creditors and end your legal obligation to pay them.
    3. Credit Score: A bankruptcy will not help your score immediately, but since the bills that were not getting paid will be gone, you can rebuild your credit quickly. It allows you to start over from scratch without the burden of debt. Late payments have the biggest effect on your credit score.

    The greatest benefit of filing for bankruptcy may well be the psychological upliftment you feel. Once the burden of bills, creditors and an overwhelming debt is lifted off your shoulders, with the help of experienced attorneys in Naples, FL, you get a fresh start. It is a chance to start over from scratch and do it better. You get your dignity back and it affects your entire outlook on life. Make sure you take up the opportunity of a free case review/consultation with an experienced bankruptcy law firm to reap all these benefits.

    New South Wales Liberal leader attempts suicide

    Friday, September 2, 2005

    Australian New South Wales Liberal Party leader John Brogden was found to have attempted suicide in his electoral office late on the night of August 30, after he resigned due to heavy media criticism of comments he had made against the previous Government premier Bob Carr‘s wife, Helena Carr. Mr Brogden called her a “mail-order bride”.

    He was rushed to a North Shore hospital. Carr, who originally had stated he did not accept Brogden’s earlier apology, later capitulated, stating that his wife had asked to forgive him.

    It was also argued whether The Daily Telegraph newspaper, which was aiming to release new allegations of sexual harassment after Brogden had resigned, played any part in the suicide attempt. Many in the community, such as Rod Tiffen of the University of Sydney, on ABC Radio National’s The Media Report had decried tabloid journalism and the Telegraph for “only wait[ing] till the man’s down before they start kicking” with allegations that were found to be unsourced, whilst the editor of the Telegraph, David Penberthy, claimed that they were only acting in their duty to publish what they had discovered, and said that “to say that [Brogden’s attempt] is our fault off the basis of one story is I think, just fatuous.”

    One political editor, Andrew West, for The Australian, a publication produced by the same company that owns The Daily Telegraph, resigned over the placement of his byline on a story where he said he only produced a memo noting the unreliability of the sources for a similar story that the Telegraph were to publish.

    Europe hit by storms, 45 deaths reported

    Sunday, January 21, 2007

    Europe has been hit by fierce wind and storms, with gusts over 150 kilometers per hour reported from the UK to Southern Germany. Most major motorways are blocked/shut due to lorries being overturned by the wind.

    Most European Airports, Train and Motorways have been affected. Amsterdam has been cut off, with planes grounded, and the train system from Amsterdam city halted.

    Contents

    • 1 Casualties and fatalities
      • 1.1 Western Europe
        • 1.1.1 United Kingdom
        • 1.1.2 Germany
        • 1.1.3 The Netherlands
        • 1.1.4 France
        • 1.1.5 Belgium
      • 1.2 Central and Eastern Europe
    • 2 Sources

    According to the BBC, at least 45 people have been killed so far, with more deaths expected. Reports of numbers currently vary as the damage is assessed.

    The casualties were distributed as follows:

    • United Kingdom: 13 (8 in North West England)
    • Germany: 13
    • Ireland: 7 – lost at sea
    • The Netherlands: 7
    • Poland: 6
    • Czech Republic: 4
    • Belgium: 2
    • France: 2
    • Austria: 1

    The UK saw a total of eleven casualties, most of them in England. All incidents took place on January 18.

    • The first casualty of the storm was the chief of Birmingham International Airport who was killed around 05:45 GMT when his car windscreen was smashed by a falling branch in Shropshire.
    • In the London district of Kentish Town, a two-year-old boy died in hospital after receiving severe head injuries. These were caused by a wall collapsing onto the boy whilst he was walking with his childminder in the afternoon of January 18.
    • A female lorry driver was killed on the A269 in Yorkshire when her vehicle overturned and was blown into a canal.
    • A male lorry driver, who was a German national, was killed on the A55 in Chester in a similar incident.
    • The front-seat male passenger of a car on the A329 was killed when a branch hit the car near Streatley, Berkshire, the driver was injured.
    • A man was blown into metal shutters at an industrial estate in Manchester and died.
    • In Byley, Cheshire, a man was hit by a tree whilst working on a construction site.
    • An elderly man was killed at Humberside by a collapsing shed.
    • A woman in Stockport was killed when a wall she tried to shelter behind collapsed onto her.
    • In Lancashire, a man was hit by a falling canopy at a petrol station whilst refuelling and later died in hospital.
    • In Woofferton, Shropshire, a lorry driver collided with another vehicle and died on the scene.

    Germany was the country most severely hit by the storm, with 13 casualties as of January 21, 2007. Most deaths occurred on the 18th and 19th of January, though some victims were only injured at first and later died in hospital.

    • In the Munich bourough Milbertshofen, an 18-month old child was severely injured by a patio door that had broken out of its hinges. The child later died in hospital.
    • Near Kirrlach in the state of Baden-Württemberg, a motorist tried to avoid a tree that had fallen onto the road and crashed into an oncoming vehicle. He was pronounced dead on the scene.
    • A 73-year old man was crushed by a barn door in Gersthofen in the district of Augsburg.
    • A fireman was killed in Tönisvorst in North Rhine-Westphalia whilst performing storm cleanup work.
    • A 36-year motorist was killed in Hildesheim by a fallen tree.
    • A motorcycle driver slid under a tree in Essen, dying in hospital on January 21.
    • On the B 55 near Lippstadt, a 23-year woman was killed when her car was hit by a falling birch tree.
    • A man was killed when the gable of a nearby building collapsed in Groß Rodensleben in the state of Saxony-Anhalt.
    • In Strausberg in Brandenburg, a 25-year man crashed into a fallen tree with his car.
    • Near Finnentrop, a man died after not noticing a tree that had fallen onto the road and crashing into it.

    Seven people in the Netherlands were killed as a result of the weather. Two people died when a falling tree hit their car between Arnhem and Ede. A man near Oosterhout was killed in a collision with a truck. A motorcyclist died near Leersum after a collision with a tree, as well as a 17-year old boy on a moped in Sint Oedenrode. An 11-year old boy in Riel was blown in front of a car, which drove over him. The boy died on the scene. A 59-year old man in Staphorst was blown off of the roof of his barn, as he was repairing the damage caused by the storm. Six people were injured when a crane fell through the roof of a Utrecht University building. The National Crisis Centre has advised people to stay indoors, the first time such a warning has been issued.

    In France, a driving instructor in Roubaix was killed when an electricity pole fell on top of her car. The student was severely injured. A 30-year old man died near Abbeville, when a swerving truck crashed into his car. A woman in Lille is missing after the roof of a store collapsed. There was significant damage to the cathedral at Saint-Omer.

    Two people in Belgium fell victim to the storm; a 16-year old girl in Halle died when a wall she was standing by collapsed and a man died in the province of Liège after a tree fell on top of his car.

    In Poland, a crane operator was killed in Katowice when a 25-metre-high (82ft) crane broke in half. By January 19 a total of 6 casualties and 19 people wounded have been reported, nearly 800 thousand households lack electricity due to the damage done by the storm, about 500 were damaged.

    In the Czech Republic, a fireman died in Slune?ná (Liberec Region) when the wind threw a tree trunk on him while he was clearing the road with his colleagues. Two young men died in Vestec near Prague when a tree fell on their car.