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 Covid-19 pandemic and lockdown measures put in place in most countries provide a great opportunity to online studies. Below is a list of online course providers, many of them are offering learning content for free during Covid-19. Normally, verified certificates (after you complete a course) require a fee but some teaching materials are free. I rank them based on number of free courses they offer, the range of subject areas, and their reputation. 1. edX (US) is the best free online course provider and the second largest MOOC provider in the world. It doesn’t have as many courses available as Coursera, but all edX courses can be audited for free because edX is a non-profit organisation. It focuses on natural sciences and humanities. Popular subject areas are languages and computer science. 2. Coursera (US) is the largest MOOC provider in the world. Coursera offers over 1,000 free courses across 11 subject areas on beginner, intermediate, mixed and advanced levels. The reaso