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Showing posts from December, 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

The way we see charity

I recently watched a TED talk about how we look at charities and other organisations which try to help people or causes they believe in. It was a real eye opening moment for me. I was always suspicious of large charities and their high “overheads” which I read as the organizers taking home a nice pay packet. I would also wonder why so many charities spend so much on advertising and not actually on the cause itself. Well I can explain why this is not the best way to analyse a charity in a few examples. Firstly it is acceptable for a very successful professional to go to work make money for his or her organization and be sufficiently compensated for this at the end of the month. Now, if we were to have a professional who was making a charity a lot of money and took home a good competitive salary we may deem them to be a parasite. This attitude is not useful, it makes many people have to choose between a life where they can achieve financial success or one where they can help people

Multibuys in Farmfood

I used to buy two bottles of milk, two bags of bread, etc., in order to get multibuys saving. But recently I noticed you can mix and match any products, like one bread and one milk, to get multbuys savings. I don't know if it's checkout system error?

Text Santa

Text Santa is back on Friday 20 December, live on ITV. It's raising money for 6 UK charities. And JustTextGiving by Vodafone is proud to help by making donating as simple as sending a text. Text Santa aims to improve the quality of life for people in the UK. The charities being supported are Age UK, Barnardo's, BeatBullying, British Heart Foundation, CLIC Sargent and Help the Hospices. You could really make someone's Christmas, as just £5 gives an older person a hot meal. Or £10 means a Play Specialist can spend an hour with a child with cancer. Donating couldn't be easier. To give £5, just text SANTA to 70070. All texts are free and 100% of donations raised will be distributed equally between the 6 charities. If you add Gift Aid at no extra cost to you, it'll add an extra 25% to your donation. We'll let you know how to when you make a donation. To donate £5 now, text SANTA to 70070 Sent from my BlackBerry® wireless device

Grit

I have recently been reading a book titled “Outliers” by Malcolm Gladwell. In the book he talks about how people who appear to be exceptional achieve this success through a combination of small advantages. You can read the book yourself to find what are all the small things that we don’t notice which combined give people an unassailable edge. One of the main points made was that IQ is not a good predictor of success. Sure, some level of intelligence is required but it alone is insufficient to attain success. In the book, Malcolm claims that it is a combination of IQ and family background which leads to success. I was initially taken aback by this. There are many people who at least at first glance appear to have attained success from nothing. After all, every advantage must begin from somewhere. This is where I watched a TED video on Grit. In it the presenter talks about how this one quality appears to be the one quality which is a universal requirement for success. It is