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Comparison of tenant deposit schemes in England and Wales

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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
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Elder Park

By Jim Sheng
Drawing by Dolly, and Cinder

On Sunday morning, Mum took me, baby Dolly, and Ching Ching to the Elder park. It's spring time, and it was sunny, but a bit breezy,  Baby Dolly sat in the pram.

 On the way to the park, we saw a lot's of colourful flowers. I asked mum if I  could pick one. Mum said, "if you pick up the flower, it would die." 

 Then we went home. On the way home we saw a lady pushing her baby walking on Ching Ching's head, her baby was shaking a rattle, and kicking her feet. The lady run away with her hair flying on her head   (Text by Cinder and Daddy.)
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