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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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What is the best time in a day for a walk?

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In most places the sun is most intense between 10am and 2pm and the warmest time of a day is between 3 and 4pm. If you are in a country which is lack of sunlight, the best time for a walk in winter is 2pm when there is still intense sunlight and outdoor temperature starts to rise to the highest point in the day.

In summer, the best time for a walk is probably either between 9 and 10am or after 6pm. The reasons are

  • to avoid high UVB radiation between 10am and 2pm
  • to avoid hot temperature between 3 and 4pm
  • to avoid heavy road traffic between 8-9am and 5-6pm

Enjoy the outdoors!

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