There are a lot of questions in our mind regarding leasing of a car or buy a car. Most of the people would prefer to lease a car instead to buy a car. If you are leasing a car it would save a lot of money which includes the ownership cost and others.
Pros of leasing a car
1. It provides the people opportunity to drive the most expensive vehicles with the use of less money as down payment and also have to pay low monthly installments for your lease car.
2. You can drive new cars in each year but it normally depends upon your length of the lease program.
3. During the length of lease period, Most of the vehicles are covered under warranty by the manufacturer, it allows the customers to own more expensive car without worrying about the repair and maintenance cost of the vehicle.
4. Leasing a car helps the customers to avoid the hassles which they often get when they go to sell their used car to third-party customers or trade their vehicle to local dealer. It is the simple method which the customers find attractive them to use and sale the traditional car.
Cos of leasing a car
1. Costs more over long time:Leasing of a car cost is normally high than the monthly installment of your loan payment. It means if you are only seeing the monthly payment, then definitely the cash flow cost of lease is lower than buying a car. But if you will compare the lease with longer period of time, the total cost of lease would be always high then the cost of buying the new car.
2. Limits on Mileage: if you are leasing a car, the lease contract will restrict the miles you can only drive per year. If the limit exceeds, you would be charged excess fess per mileage and that could be 10 to 25 cents per km over the limit of your lease contract.
3. Excess tear and wear: Lease companies would expect from the customer that they would return the cars at the end of lease period with no more tear and wear. You would have to give extra money for excess wear on brakes, door dings, scratches and tires at the end of lease. It requires more cash for car for the customer.
4. No customizing: when you lease a car, it belongs to the company who is leasing instead belongs to the customer. If you are doing modifications or installing extra accessories, custom painting, a sound system then you would have to pay extra money for the repair of these accessories.
5. Termination penalty:Lease contracts are normally written to discourage and to prevent the early termination of the contract. If you want to terminate the lease before the termination period of your lease, customer has to pay the termination penalty. The penalty amount will depends; if you are terminating the lease earlier then the penalty cost will be high.
1. Heart Attack
The expiration of a bit of the heart muscle as a consequence of deficient blood supply and being confirm by:- A history of run of the mill delayed midsection torment; New electrocardiographic progressions coming about because of this event; Elevation of the heart compound above the by and large acknowledged lab levels of ordinary. Finding dependent upon the height of Troponin T test alone might not be recognized symptomatic of a heart strike.
Localized necrosis of cerebrum tissue, discharge and embolization from an additional cranial source are incorporated. The analysis must be dependent upon progressions seen in a C.T filter or M.R.I and ensured by a Consultant Neurologist.
Particularly rejected are cerebral indications because of transient ischemic strike, any reversible ischemic neurological setback, cerebral side effects because of headache, cerebral damage coming about because of trauma or hypoxia and vascular ailment influencing the eye or optic nerve or vestibular capacities.
3. Coronary Artery Disease Requiring Surgery
Alludes to the genuine experiencing of coronary conduit by-pass surgery by method for thora-cotomy to rectify or treat coronary course ailment not incorporating angioplasty, other intrablood vessel, keyhole or laser systems.
Growth is characterized as the wild development and spread of harmful units and the intrusion and annihilation of ordinary tissue for which significant interventionist medication or surgery is recognized essential. The disease must be affirmed by histological proof of harm.Tumors showing as intricacies of Acquired Immune Deficiency Syndrome.
5. Kidney Failure
Close stage kidney disappointment exhibiting as ceaseless irreversible disappointment of both kidneys to capacity, as a consequence of which consistent renal dialysis is launched or renal transplantation completed.
6. Fulminant Viral Hepatitis
This is characterized as a sub monstrous to enormous rot of the liver initiated by any infection heading sharply to liver disappointment.
The symptomatic criteria to be met are:
A quickly diminishing liver size as affirmed by stomach ultrasound; and Necrosis including whole lobules, leaving just a given way reticular system; Rapidly falling apart liver capacities tests; Deepening jaundice.
Hepatitis B contamination or transporter status alone does not meet the analytic criteria.
7. Real Organ Transplant
The genuine experiencing of a transplant as a beneficiary of one of the accompanying human organs. The complete and lasting misfortune of utilization of both arms or both legs, or one arm and one leg, through loss of motion initiated by disease or damage holding on for no less than six (6) months from the date of trauma or ailment.
8. Different Sclerosis
Unequivocal determination by a Consultant Neurologist affirming the accompanying fusion, which has endured for no less than a nonstop time of six (6) months:
(a) Symptoms referable to tracts (white matter) including the optic nerves, cerebrum stem and spinal rope, preparing decently characterized neurological deficiencies; and
(b) A variety or discrete injuries; and
(c) A decently reported history of compounding and reductions of said manifestations or neurological deficiencies.
9. Essential Pulmonary Arterial Hypertension
Implies essential aspiratory hypertension with considerable right ventricular augmentation secured by examinations incorporating cardiovascular catheterization, bringing about lasting irreversible physical disability to the level of in any event Class 3 of the New York Heart Association Classification of heart impedance, and bringing about the Life Assured being unable to perform his/her standard occupation.
ehic renewal : It is important to ensure that you ehic is not outdated. If it’s, ensure that you renew it to keep enjoying the advantages that comes with it. The card is very important as it caters for your medical bills and enable you to acquire high class medication cheaply.
These days there is a great choice when it comes to bathrooms. Shopping for a new bathroom suite, accessories and tiles has never been easier. You can go online, and browse through sites like the betterbathrooms website and quickly find exactly what you are looking for. There has never been a better choice; however, if you have a small bathroom your choices are still limited. This is because many manufacturers do not make bathroom suites for what, for them, is a niche market. However, that does not mean that you should despair and leave your bathroom as it is because it is still possible to fit out a small bathroom and do so in style.
Do your research
The first step is to work out what your options are. Once again, the Better Bathrooms site will come in handy. They sell small and corner baths, as well as compact sinks and toilet and storage combinations that save a lot of space. Importantly, on their website they list all of the dimensions of each item including the height.
Once you have an idea of how big, smaller shower trays, baths and toilets are you can begin to draw up your plan. Using ‘to scale’ cut-outs and a ‘to scale’ plan of the space you have available should allow you to work out if you can make everything you want fit in.
Make good use of corners
We have already mentioned corner baths, and most people know they are available. However, few people realise that you can also buy corner sinks and toilets.
Do not forget storage
It is important to include storage in a small bathroom. Make use of the wall space you have by adding shelving above the sink, bath and toilet.
Add a mirror and good lighting
A good mirror and lighting is very important in a small bathroom. Both can make a small space feel spacious and light.
Most children across the world including Southend are fond of enjoying with Bouncy Castles that facilitate unique fun. Many older people also love these unique devices that have become the preferred choice for total fun. Bouncy Castles in Southend can be accessed easily by following certain tips that make the search a matter of great convenience.
Exact requirements – First of all it is necessary that the persons intending to hire Bouncy Castles in Southend must assess their particular requirements. This will enable them to locate the apt bouncy castles with greater ease. Few persons may require the Bouncy Castles for outdoor that include jumping and other related activities while some people may require the castles for indoor. Your particular needs are the basis of selection of apt bouncy castle.
Area – The next thing is the area where you intend to hire the services of the Bouncy Castle in Southend. If you intend the company to provide the Bouncy Castle in an area that is too far from their own location, then they will ask more charges than the one which is near to the service provider of Bouncy Castle in Southend. So it is wise to enjoy the services of the Bouncy Castle Company that falls near to your own location.
Variety of bouncy castle – There are large varieties of themed bouncy castles that include High School Musical, Scooby Doo, Hello Kitty, Ben 10, Barbie. Disney Ballpool and Castle, Disney Princess, Power Rangers, Jungle Animals bouncy castle, Superheroes, In The Night Garden and many more. You can select the one that suits the taste of your children and yours too.
Safety aspects – Safety of the children is a must as long as they enjoy the Bouncy Castles. So the parents must ensure that the Bouncy Castles in Southend that are being hired by them should be competent enough to provide paramount security to the children.
Condition – When hiring Bouncy Castles in Southend, do check their condition, whether the equipment is in good condition. They should not be too old to crash during the process when the children are enjoying the same.
Services – The most important aspect to be considered while hiring any Bouncy Castle in Southend is its services. It is advised that the parents should prefer only those companies that provide the best services with regard to delivery, transportation, additional services and the related facilities. Do not hesitate to get everything in writing as some clever companies may dupe you with oral assurances but may not keep their word. Hence, inking out the agreement can prove helpful to avoid any later problems.
Charges – Last but not the least is the rate of the Bouncy Castle in Southend. You must check and compare the rates of different companies in the area. Do not hesitate to call for quotes from four or five service providers and select the one that suits your requirements and financial worth. Do inquire about the additional charges also to avoid unwanted financial burdens at later stages.
Ask Paymatters.co.uk to explain these fact before signing your life away. These Myths are all 100 percent accurate from HMRC guide lines of tax and none compliance that results in an in-depth investigation and can go back 7-15 years Moreover can result in criminal proceedings and not just civil fines…:
Myth: A ‘special dispensation’ with the Inland Revenue means one Umbrella Company can allow contractors to claim more expenses than another.
Myth: A daily subsistence allowance is an expense I can claim, without receipts, in-fact I can claim it even if I didn¹t actually buy anything.
Myth: I can claim for breakfast, lunch and dinner for every single day I go to work.
Myth: Umbrella Companies fall under the recent MSC legislation and could leave me liable for additional taxes.
Myth: Some Umbrella Companies will retain a high margin but they can justify it because that I will pay less tax working with them.
Myth: An online calculator only needs my hourly or daily rate to work out my earnings.
Myth: An Umbrella Company or Composite Company can pay me a minimum salary and dividends, which will earn me more money.
Myth: My contract can be written to fall outside of IR35 (or to be IR35 friendly).
Myth: I can pay part of my salary to my partner for admin etc to minimise my tax contributions.
Myth: I can just switch Umbrella Company when I breach the 24-month rule and continue to claim expenses.
Myth: The higher my expenses, the higher my net pay will be.
Myth: I am protected from investigation from the Inland Revenue by my Umbrella Company.
Myth: An offshore Umbrella Company can reduce my tax and NI liabilities because UK tax regulations do not apply to them.
Myth: An Umbrella Company can help me minimise my tax contributions.
Many reviews about Paymatters.co.uk and Miles Grady (the owner/operator) who is a direct-sales/TeleSales man for the vast majority of his working life in Debt management NOT TAX LEGAL strategies or is a qualified TAX lawyer!
Also check if PayMatters.co.uk LLC is underwritten.
I noticed Miles Grady and his partner Nicholas Holmes have dissolved/bumped around 30 companies in the last few years.
Also Miles Grady was not the founder of Harrington Brooks as he claims in his CV. It was first named Griffin Finance (later changed to Harrington Brooks) Ian Griffin was the founder and owner. That’s a whole new story which you can read about at:
Or simply Google Miles Grady, Paymatters or view YouTube.
Think that should be enough for anyone with a brain cell.
BE VERY CAREFUL or just RUN!!!
“Miles Grady in VAT scam” ???
X Paymatters.co.uk client.
Wet rooms have become increasingly more popular in recent years, and they can be created in bathrooms of all styles, meaning there is something available to suit every taste. A wet room is more a less a bathroom with a shower, but there is no shower tray or enclosure, so you can just walk straight in.
Wet rooms do require a certain amount of remodelling to the bathroom to create, and so you will most likely need the help of the professionals. Most wet rooms don’t rely on a shower screen (although you may need one if you’ve a particularly small bathroom so that everything doesn’t get sprayed) and, as already mentioned, there is no shower tray. Consequently, there needs to be a gradient created along the floor which will channel the water into a drain.
The most common way of creating this is to install a specific sub-floor, which is then tiled over. Alternative options include installing what is effectively a sloping giant shower tray which is also then tiled over or to use a giant preformed tray which slopes towards a drain and doesn’t require tiling over.
It is important to make sure the entire wet room is waterproofed, and this involves priming the floor, bottom part of the walls and the entire wall area around the shower before it is tiled. When choosing your tiles, go for a non-porous material such as porcelain or ceramic (rather than marble, limestone or slate, which would need sealing every few months).
If your bathroom isn’t already well-ventilated, then you may wish to include an extractor fan as part of your remodelling, as this well help to reduce humidity and dry the room out more quickly following a shower.
Why Install a Wet Room?
There are several advantages to having a wet room installed. First of all, it is an extremely stylish and a great way of creating luxury bathrooms. You can choose to have the shower area tiled so that it is the same as the rest of the bathroom or go for a completely different look. Secondly, having a wet room installed, especially in a second bathroom, can increase the value of your home, as it is a particularly attractive and sought-after feature at the moment. What’s more, the floor tends to be better protected in a wet room than in a traditional bathroom, and so there is less potential future maintenance.
For practical purposes, a wet room is easier to clean than having to bother with shower screens and trays and all the little nooks, cracks and crevices that they entail. For anyone with mobility problems, they are also ideal, because there are no ledges to climb over, as with a standard shower or bath. However, you may wish to consider adding in a grab handle or two if there is anyone who could be at risk of slipping. Choosing floor tiles which are specifically designed for bathrooms will help to minimise the slip risk.
As is clear from the name solar panels operate on the energy provided by the sunlight. These are the gadgets or equipments which are used to convert energy obtained from the sun into electrical energy. The electrical energy thus produced may be used for multiple purposes. Apart from being cost-efficient, this phenomenon is eco-friendly too. It is because a natural source of energy i.e. solar energy is being used to produce another form of energy i.e. electrical energy. In addition to protecting your Mother Earth and its environment, you can also save lot of money which is spent in paying various power and electricity bills. Let us explore some of these ways.
Production of power for home utilities- You can use solar panels for production of a fraction of power required for your home. It will help in reducing your dependency on traditional sources of power. You can utilise solar energy for lighting system of your home. It will provide you the same amount of lighting at your home as is provided by other power sources. Similarly, you can connect various electrical appliances at your home such as water heater or other heating systems with solar panels and thus save on your electricity bills to great extent.
Get lower rate of electricity- Since you are using an alternative power source for production of electrical energy, it will have a direct effect in getting favourable rates from your local electrical company. In many countries, citizens who use solar panels as an alternative source of energy to make their home more energy efficient and to consume electrical energy to low extent, the electrical companies offer some special concessions on the rate of electricity. This is done in order to motivate more people towards this natural source of energy production.
Advantage of feed-in-tariffs- These are the incentives induced by the government for energy providers to change over to an alternative and renewable source of energy sources. Homeowners are also included in these incentives. So you can also get benefitted by producing solar energy at your home at large scale and sell the same back to the electric grid and save a lot of money.
Power Purchase Agreements or PPAs- Under these agreements, the homeowners are permitted to hire equipment from a private owned company to use the same in production of electrical energy. The surplus energy thus produced is sold to the customer by the company at a comparatively lower price than the local utility. The customer is benefitted two ways. He saves a lot on his electricity bills and the cost of installation of solar panels at home is also reduced to great extent.
Net Meeting- It is another great policy for those who use solar panels for production of energy. Under this policy, the electric meters take note of the production as well as consumption of electricity. The difference between the two is calculated. Since you are using solar panels, therefore you are consuming lesser amount of energy provided by your local electrical company and as a result you get the benefit of real banking credit with your local electrical company.
So we have seen that there are many ways of saving money by utilising solar panels.
Whether you’re building a house from scratch or are simply remodelling your existing home, a Quantity Surveyor (QS) can save you money and reassure you. How does a QS works and why is it important to consider using the services of a skilled professional?
What does a QS do?
Quantity Surveyors use their knowledge of costing and procurement in a variety of building schemes, from schools and hospitals to commercial developments and domestic projects. They liaise with clients and architects to ensure that projects are costed competitively, advise on design solutions and ensure schedules are met through effective resources management. Their role begins at the design stage, before the first clod of earth has been dug and extends throughout the project until sign-off.
For domestic clients the benefits of quantity surveyor services are many and include providing a detailed evaluation of the quantities of materials needed for any building project and giving an accurate estimate of the cost of these materials, together with the additional costs of, for example, labour and any relevant legal documentation or processes such as planning applications etc. For these reasons, quantity surveyors are also known as construction economists or cost managers.
Controlling The Costs
Engaging a quantity surveyor to work on your project can save you money from the outset. They can advise on the feasibility of a site and a design and calculate detailed cost information at each stage. This is particularly important in relation to subcontractors who require staged payments. Another benefit of using experienced quantity surveyor services is that because of their unique position and in-depth knowledge, they have the ability to act as arbitrators in case of any dispute, providing impartial and informed advice.
‘Chartered’ The Marque of Quality
In the UK, the Royal Institute of Chartered Surveyors (RICS) is responsible for regulating the services of individual quantity surveyors who must have undergone rigorous training and be fully qualified in accordance to the high standards RICS set. Chartered quantity surveyors have been assessed by their peers and have been found to have the highest possible levels of technical ability, commercial acumen and relevant experience. It’s a stamp of approval which is important to look for when you’re considering engaging the services of a QS.
In order to be able to offer quantity surveyor services, an individual must be educated to degree level within a relevant discipline such as surveying, construction, civil engineering or structural engineering. In addition, QSs must adhere to strict professional guidelines regarding conduct, both to their employers and their clients. The advantages that using experienced quantity surveyor services bring to a client, whether from a commercial or domestic client’s point of view, can far outweigh the costs of engaging such services. Typically, fee arrangements comprise a percentage of build costs or an agreed, fixed fee. However, due to the professionalism and commercial intelligence of QSs these fees are seen as well worth it, when viewed in context of how much of the overall client’s budget on which they can save money.
Chantelle Gilbert writes regularly on matters pertaining to quantity surveyor services for a range of architectural and construction websites and blogs. She is particularly interested in analysing how experienced quantity surveyor services benefit both domestic and commercial clients.
If you’re planning to complete your Bachelor’s degree from online, then start looking for a course offered by online institutions. There are many affiliated universities that provides online courses for people who’re planning to complete their Bachelor’s degree but can’t cope up with the job timing. Well, if you’re planning for an online course, find a good online course in accordance with your expectation.
Here are some of the important points that you need to consider while finding a good online course:
1. You need to find out what you’re planning to pursue when you’re interested to complete an online education course. There are various courses like bachelor’s to Master’s degrees, you need to be aware of while enrolling for the program.
2. Make sure you choose the course in accordance with the field you want to pursue your education on. If you’re planning to opt for journalism, then take up any course related to mass communication and journalism.
3. Try to check the syllabus as well as the pre course materials that you can view before enrolling and paying for the course fee. Make sure you find out whether the course allows to cover in accordance with your expectation.
4. Find out before enrolling in the program whether the teachers are approachable and regarding their credential. Most of the reliable online courses may give you a chance to interact with the online mentor. Make sure you’re comfortable with the span of time the institution allots for the students to interact with the instructors
5. Before you enroll with the course program, make sure you evaluate the benefit of the course that you expect to receive. If you find a particular course cost you more than an entire program, then you need to find whether the convenience is worth the cost.
6. One of the important points that you need to keep in mind to check the whether the institution is accredited or licensed. You can verify regarding the online institution from the Department of Education or the Council on Higher Education Accreditation (CHEA) in the US or check with the Better Business Bureau. You can find out whether the online courses offered by the institution is authentic.
Therefore, you need to keep the above mentioned points in mind when you plan to look for a good online course.
With careful planning and a bit of imagination, it’s possible to create a comfortable study suitable for all the family.
A comfortable environment for work and study
It’s important you choose versatile furniture that will suit everyone who will be using your study. The last thing you want is for people to start feeling uncomfortable after a couple of hours sitting at the desk. When buying a chair for your study, select a proper office chair which provides adequate support. If you’re creating a family study, it’s vital your chair is fully adjustable so all the family can sit comfortably. At the very least, you need to be able to adjust the seat height and depth and backrest height to your preferences. Think about how different family members will use the study and what a typical study or work session will involve. Large, empty surfaces will provide a flexible work space for all the family and ensure everyone gets the most out of your home study.
Maximise desk space
When it comes to creating the perfect family study, you should aim for an attractive workspace without clutter or mess. Many furniture at work complaints relate to lack of workspace. If you or other family members tend to need a lot of work out on the desk at any one time, think about creating an additional workspace on which to store files and papers when not in immediate use. Adding a second desk or a sturdy shelf near the main desk allows users to organise their work effectively and minimises clutter.
Add comfortable touches
A home study needn’t feel as formal as a traditional office, so avoid furniture at work complaints by adding personal and comfortable touches. Luxury office furniture can add comfort and style to your home study and help increase productivity by encouraging family members to spend time in there, but it’s the extra touches that can really make a difference. Luxurious curtains add character and personal style to any room and are much more pleasing to the eye than generic blinds. Cushions on chairs and sofas add to the comfortable feel of a room so buy some quality cushions in complementary colours.
Companies such as Furniture At Work stock a huge range of office furniture suitable for corporate or home use. They also provide a variety of office equipment and accessories. With fantastic prices and hundreds of different styles to choose from, you will find everything you could possibly need for your comfortable home study.
From high-end executive chairs to contemporary desks, companies such as Furniture at Work can furnish your entire home study. They also carry a huge range of storage solutions, such as bookcases, shelving and cabinets.
Most furniture at work complaints are the result of a one-size-fits-all approach to office furniture and equipment. The main advantage of a home study-cum-office is that you can tailor your purchases to suit you and your family and can create a comfortable working environment. Buying from reputable companies such as Furniture At Work enables you to purchase great quality furniture at unbelievable prices.
Sarah Wanbridge is a freelance writer and interior designer specialising in home offices and studies. She believes most furniture at work problems can be avoided by choosing the best products for your personal needs.