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Showing posts from January, 2011

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

coat-of-arms

Heraldry probably began with the knights in armour. When wearing a helmet in battle or in tournaments a knight could not be recognised; so he used symbols to decorate his shield and surcoat. The surcoat was the loose garment worn over the armour to protect it from rain or hot sun and actually was the "coat-of-arms"; it was decorated on the front and back with the same device as on the shield. The correct expression for entire design is an achievement . An achievement consists of the shield, helmet, rest, wreath, mantling and motto. These are the main parts. To them can be added supporters and a compartment. In the centre is the most important part, the shield . The surface of the shield is called the field  and on it the colourful charges are placed. The shield is called the arms or coat-of-arms  and can be drawn in any shape - in an upright position or slanting, which is the position it would fall into if hung on a peg. In Heraldry it slants to dexter. The helmet denot

Where to Shop in Derby

FOOD SHOPPING: Sainsburys, a much larger supermarket and more expensive (but more choice) in the Westfield Centre in the centre of town Farm Foods, on Albert Street near HSBC Bank, selling frozen foods, bread and cheap drinks Indoor Market, in the Guildhall opposite the Assembly Rooms, selling lots of fresh fruit, vegetables, meat, fish, clothes and other goods. CLOTHES AND GENERAL ITEMS: Wilkinsons, just outside the Westfield Centre on London Road, for cheap household items such as kitchen equipment and bedding plus much more Argos, (next to Wilkinsons) also for cheap household items and jewellery and much more – choose from the catalogue in the store, pay for your items at the pay desk and wait for your items at the customer collection desk Matalan, also close to Wilkinsons and Argos, for cheap clothes, jewellery and household items. You need to register as a customer (which is free) and you will be given a Matalan card to use on future visits. Primark, on the Cornmar