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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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Bucket list

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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 to make you realise what you really want in life and what is important to you. On the other hand it can also make you realise how little you have done! You might also feel pressure to do these things and so end up doing things just to tick them off the list and not really for enjoyment.


Yes, I have made my own list and it’s still a work in progress. So far I have 28 things of which I have completed 1! 
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