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Comparison of tenant deposit schemes in England and Wales

In England and Wales there are three government-approved tenancy deposit schemes (Scotland and Northern Ireland have different schemes). They are Deposit Protection Service (DPS) MyDeposits  Tenancy Deposit Scheme (TDS) Insured vs. custodial scheme Insured scheme: the landlord/agent can hold the tenancy deposits during the term of the tenancy. They need to pay a fee to the deposit scheme to register the deposit. At the end of tenancy, if the tenant raises a dispute, they must transfer the disputed amount to the deposit scheme until the matter is resolved by a free dispute resolution service provided by the scheme or a court.  Custodial scheme: the scheme holds the deposit for the duration of the tenancy. Custodial Schemes is free of charge for the landlord/agent. At the end of tenancy, both parties agree before the deposit can be released to the tenant/landlord. If there is a dispute, the release of deposit will be based on the decision of the free dispute resolution service provided b

Touch wood and spit

Touch wood or knock on wood is a popular saying to reverse any bad luck that might come your way, due to a recent action you have taken or comment you have made. The superstition is that if someone remarks about something not wished for, or something that has not happened lately, they should immediately touch or knock on wood to avoid the fulfillment of bad luck, or the event not desired. For example, people are likely to touch wood immediately after answering a question in the negative, such as "no, I have not been sick lately."

In China, people spit after making a bad luck comment, especially in the Chinese new year season.

Touching wood after boasting of one's good fortune, or exemption from bad luck, was thought necessary to keep the streak of good luck intact. Touching wood is also practiced after an activity or event that has gone excessively well. As an example, if you give a good presentation you should touch wood afterwards to continue the success you are experiencing. People will often go to great lengths to find a piece of wood to touch after one of the events described above have occurred. They believe that if they do not touch wood, the fates will wreak vengeance upon them.

Touching wood is also a superstition practiced to ensure safety and good fortune at the start of a day or activity. Athletes and actors are among two of the professions that practice this superstition to increase the good luck they will have in their upcoming game or show.

The origin of the use of wood is thought to be associated with the cross that Jesus was crucified upon. Smaller crucifix pendants were made and worn as good luck charms, often made from wood. Wood then began to be associated with safety, magic and good fortune.

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