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Showing posts from October, 2013

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

7 day bank switch

Changing the bank used to be tedious and time consuming. Most people never bothered to change after they first started using a high street bank. To change this atmosphere of stagnation and to induce greater competition, the UK government has introduced a scheme were your bank must be able to close and transfer your account to another bank within 7 days. This is a process which normally took around a month to do which was the reason for people to be reluctant in switching. Here are some of the features: 1.       For 13 months, payments accidentally made to your old accounts will be transferred to your new account. The sender will also be contacted with your updated bank details. 2.       Direct Debit’s and standing orders as well as pay will be automatically transferred to the new account. 3.       Any money in the account will be transferred! 4.       New bank will refund any losses if there is a mistake made which incurs charges or interest lost. 5.       This se

Draw with MS Paint

Draw with Ms Paint, just use shapes and colours, the picture could be so nice. The Anime Girl Desert Iseland Starry Night

Boiled rice with cheese

People like chips with cheese, why not rice. It's delicious. Sent from my BlackBerry® wireless device

National Novel Writing Month

Novelists, brings up thoughts of sitting by a warm fire, pen flashing across paper. It’s a romantic notion and is probably no longer valid. Most novels are now written on the cold glowing screen of a computer. Don’t get me wrong, that’s great because now everyone has the chance to be an author. I am an avid reader and after some books I think to myself wouldn’t it be great if I could write my own. An epic tale woven with nothing but my imagination! But reality soon kicks in and I am too busy to follow up. This has been frustrating me a number of times and I think I may have stumbled upon a solution or rather a formula for the solution. The main difficulty is simply getting words on the paper, sitting down and writing. Now motivation for this can wax and wane and this causes many people to simply give up. Well this time I am going to try something different. National novel writing month or NaNoWriMo is a community of people who aim to complete a novel of 50,000 words in the mo

Bucket list

An English Idiom “To kick the bucket” meaning to die is the inspiration for the bucket list, no not just the film. It has become a phenomenon sweeping the world. So what is a bucket list you ask me? Well, we all have things we want to do and experience before we kick the bucket. For a growing number of people this has become an obsession. They create a list of things that they have always wanted to do and aim to do it all before they die. This can range hugely in difficulty. It’s more about what is important to the individual. I have seen climbing Mount Everest and sleeping under the stars on the same list! A survey to find the most common things on people’s lists came up with the following: 1.       Become a millionaire 2.       Travel the world 3.       See the northern lights 4.       Walk the great wall of China 5.       Completely pay off your mortgage I personally think there are definitely advantages to thinking about and making bucket list. It can help

EHIC –European Health Insurance Card

So you are planning a relaxing holiday break, for most Britain’s this means a hop over the channel and into Europe for a fortnight or so. It is usually the most cost effective place to visit since flights are cheap on budget airlines. UK permanent residents or citizens are entitled to health care under the NHS which as we know is only present as long as we are in the UK. What many people don’t know is that there is a provision for either free or reduced cost healthcare while in Europe. To get this all you need to do is apply. Now, it pays to be careful there are a plethora of websites which charge for this card and make it look so legitimate that you think that it is worth paying. It is important to remember that this card is in fact free. You need to apply through the NHS website: http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx This page also answers many vital questions about where and when to use the card. Have a lovely holiday and