Top Affordable Day Trips

Posted by on Jun 1, 2017 in Uncategorized |

Spending too much time in London can make you feel of the opportunity to see what lies beyond this vast wonderland of a metropolis. You can find fantastic attractions, rich heritage and natural splendor. Other than King Arthur’s round table to the summer retreat where Dickens wrote his most famous novels, you can make a short tour that is cheap but enriching day trip to the countryside. And if you want to have an affordable trip you must choose any good travel agency who can do this in better way and MayDay Travel in such kind of agency who are best known for their services. Here are some such places:

  • Stratford-Upon-Avon – Shakespeare’s birthplace: You can visit the house where the legend was born and visit the churchyard where he was buried and watch a performance of A Midsummer Night’s Dream at the Royal Shakespeare and Swan Theatres which can surely blow away your mind.

 

  • Windsor – the weekend residence of the Queen: Despite of being more than one thousand years old, Windsor Castle still stands as an official royal residence. The Legoland Windsor Resort is another major attraction in the area and a great destination for any family trips. Take a guided tour and do must watch the Changing of the Guard.

 

  • Brighton – surf, sand, festivals and an exotic palace: This seaside town has an artistic community and a vibrant and colorful nightlife. You should visit in May for a chance to enjoy the Brighton Festival.

 

  • Winchester – King Arthur’s round table: You can see the King Arthur’s round table in Winchester, where you can also visit the 1000-year-old cathedral which is considered to be the stunning example of Gothic architecture and Jane Austen’s final resting place.

 

  • Oxford – “the city of dreaming spires”: Oxford is mainly dominated by its numerous colleges having breathtakingly scenic. Two must visiting places of Oxford are the Bodleian library with ornate Gothic ceilings and the Bridge of Sighs at Hertford College.

 

  • Cambridge – palatial colleges and punting tours: Cambridge is no less fascinating and enchanting than Oxford. A punting tour of Cambridge is a highly popular local activity for tourists which considered being good for navigating small rivers.

 

  • Canterbury – a pilgrimage to the Canterbury Cathedral: Canterbury is full of history, from the towering spires of the imposing medieval cathedral to the charming old-time houses. Canterbury has a lively cultural life with several theatres, also a host of annual events and numerous dining with entertainment outlets.

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The health benefits of wine

Posted by on Apr 30, 2017 in Finance, Finance Tips |

If you are fond of wine, you must know about it. Knowing the history of wine can surely fascinate you about consuming wine. Though, it is not mandatory for you to know about wine, but, if you love wine, you should know about it to, just for some general information.

There are a lot of people in the UK, who are fond of wine, and among them, 76% of them consume wine, on a regular basis. But, if you ask them about the history of wine, most of them will remain numb, as they just know the fun of consuming it, without knowing further details about it.

Old day wine

But, in the old days, wine was completely different from which you consume today. It was not prepared through machines, but was prepared from fruits, and the taste was completely different. You may argue that the wine in present day is much better than that of the old days, but it is a matter of argument, with no one to be the winner.

First wine consumption

According to the archeologists, consumption of wine dated back to 7000 BC, in China, and it was in 6000 BC, that archeologists found consumption of wine in Georgia. The evidence of wine consumption varies from country to country according to the archeologists. Due to lack of communication in the ancient age, the matter of wine did not spread quite fast.

First winery

Though, the first wine which was discovered in China, but no wine producing place or winery was found in that place. It was in Armenia that the first winery was found, and it is imagined, that it dated back to the year 4100 BC. A lot of items like wine press, numerous jars and fermentation vats were found at the sight.

Consumption of wine

In the old days, wine was consumed in clay cups, according to the archeologists, in similar cups, which they used to consume water in those days. You can find more info about consumption of wine in the pre-historic age, on Twelve by seventy five.

The preparation process

Though, it is not possible to know the way, wine was prepared in the pre-historic ages, but it is imagined, wine in those days was prepared from rotten fruits and vegetables, and they were processed by some way of the other, for the formation of wine. It can be said, wine in those days were prepared by heating those fruits and vegetables artificially, to make them go rotten, quite fast.

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How to Get a UK National Insurance Number

Posted by on Oct 2, 2016 in Uncategorized |

The National Insurance Number system was first introduced in 1911 as part of the National Insurance Act and is now needed to work in the UK. A National Insurance Number is used to make sure that every employed adult in the UK contributes to welfare, healthcare, and the state pension and tracks their contributions.

It sounds a little complicated at first but really it’s quite simple. Just read through our guide to what a National Insurance number is and how you can get one.

What is a National Insurance Number?

A National Insurance Number, also sometimes called an NI number or just NINO is a unique code that every UK citizen receives when they become eligible to make contributions. UK residents are automatically given a National Insurance number just before they turn 16 and your NI Number never changes even if you get married, change your name, or even move abroad.

Your National Insurance Number is used to track your National Insurance contributions and tax payments across every job you have for your entire life. It is also your key to NSH services, benefits, and being able to register to vote in the UK.

When You Need a National Insurance Number

You can apply for our National Insurance number when you live in the UK and have a postal address and phone number. Services including NI Apply can take the stress of applying an ensure the process goes through error free.  You can begin working even without your National Insurance number as long as you have (or plan to) apply for one.

This situation is more common than you think and in this situation you are provided with a temporary National Insurance Number you can use until your permanent one arrives in the post.

Who Needs a National Insurance Number

Everyone who is aged over 16 and is employed or self-employed in the UK needs a National Insurance number. When you begin to earn a certain amount of money you are able to pay taxes and National Insurance contributions.

For the tax year of 2015/2016 this threshold is £155 per week to pay National Insurance contributions and your contributions will be equal to 12% of your income.

Process for European Citizens

One of the biggest problems with applying for a National Insurance number is that you can only do so by calling the Jobcentre Plus – National Insurance number allocation service. You can reach them between 8AM and 6PM Monday – Friday by contacting 0345 600 0643.

You can expect to be asked some questions about your residential and employment status and you will arrange an appointment at your local Job Centre Plus. You’ll also receive a confirmation letter and text. There are some documents you need to take to this appointment including:

  • Your passport/ID Card
  • Residence permit
  • Birth/adoption certificate
  • Marriage/civil partnership certificate
  • Driving licence
  • Work Contract
  • Proof of employment/studies
  • Proof of address such as your rental agreement, a letter, or a bill

During this interview you will be asked why you need an NI number and, should everything go well, you’ll be asked to fill out a few more forms before receiving your National Insurance number within 3 weeks.

Process for Non-European Citizens

The good news is that the process for non-European citizens is the same as for European citizens but you will need the right to work or study in the UK to receive your NI Number.

If you come from a country where the UK holds a bilateral agreement on social security (and you have a certificate to prove it) then you will need a National Insurance number and will not pay National Insurance. This list of countries includes; Barbados, Bermuda, Bosnia and Herzegovina, Canada, the Isle of Man, Israel, Jamaica, Japan, Jersey, Guernsey, Republic of Korea, Macedonia, Mauritius, Montenegro, Philippines, Serbia, Turkey and the USA.

What to do if you Lose your National Insurance Number

Should you happen to lose your National Insurance card you can still find out your number on our tax return, payslips or P60 if you used it to work. If not then you can contact the National Insurance helpline and answer some questions or fill out the CA5403 form on the government website and send it into the National Insurance Office. Either way you will receive written confirmation of your number in the mail as HM Revenue and Customs are not legally allowed to disclose your National Insurance number over the phone. The National Insurance Helpline number is 0300 200 3502.

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101 Finances – How To Handle Loans And Credits

Posted by on Apr 13, 2016 in Credit, Finance, Finance Tips, Loan |

Handling loans and credit is not something we are taught at schools, however, it has definitely become essential everyday knowledge, that a lot of people seem to lack. However, you should not be discouraged by this fact, and try to learn more about loans and credits. I know way too many people who got themselves in financial problems because they did not know enough about loans and credits at the time when they were getting it. Therefore, it’s really in your best interest to learn more about loans and credits before you go to the bank.

What Is Credit?

A lot of people who are new to all this are not entirely sure how to define certain terms that seem to be thrown around a lot. Let’s take credit for example. To explain it in the simplest way, credit is the reputation you have as a potential loan user or borrower in a bank. In other words, your bank doesn’t want to invest in someone who will clearly not return the investment, they therefore avoid credit users who have poor credit reputation.

What Do Banks Use Credit For?

As it has been previously mentioned, a bank will look at your credit reputation in order to make sure that you will return the investment. You are credit reputation provide your potential bank with sufficient information they need in order to make the decision on whether or not they should borrow you their money. If the bank determines that you are a reliable future client who is the best opportunity for them to invest their finances, they will certainly approve your loan. Similarly, if the bank decides that you are not a reliable client, they will refuse your loan.

Your History Of Finances

In what to make this decision, the bank has to accumulate sufficient information about you and your finances. Mainly, the bank will look at your history of taking loans or borrowing money, and this will govern the decision. In other words, you should work hard to sustain a positive history of your loans and finances in order to be able to achieve positive history of finances. This will show your next bank, that you are a potential client who is good for the business, and ultimately it means that you will get your loan.

Credit Reputation

From what has been said so far, you can realize that credit reputation is not something you should take lightly, and it is definitely something you should work on regularly and constantly throughout your life. If you are responsible when your money and you make good investments, you will ultimately achieve great credit reputation. If you are not good with finances and money matters, perhaps you should start changing your habits before it’s too late. On the other hand, accumulating that credit will definitely resonate with your potential lenders, who will disregard you as a potential client precisely because of your bad credit – even if it is a thing of the past. Remember, only you can change your credit history and create an amazing credit reputation, but you have to be responsible with your payments and your investments!

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Useful Tips In Lowering Your Electric Bills

Posted by on Feb 25, 2016 in Finance Tips |

When it comes to your electricity bills, it is very heart breaking to know that a significant portion of your income will be spent on it. However, paying for your bills is always a responsibility which comes along the benefits of using the different services to meet your needs. And no matter how long you stare at your electric meter, you know for a fact that it is very hard to lower the energy consumption without sacrificing the comfort you enjoy due to electricity. Nonetheless, it is not impossible to lower your electric bills without sacrificing too much of the comfort. Here are useful tips in lowering your electric bills.main_Saving_energy_1298648366

Determine your power consumption – Instead of accepting the monthly reading of your energy consumption, it is useful to determine how exactly you are using electricity in your house. Check the different appliances available, the frequency you are using them and the amount of electricity each of these devices consumes every month. This will give you a clear picture of your energy consumption.

Look for alternative ways without using electricity – You heating or air conditioning system is among the devices which consume a lot of electricity. If you can find alternative ways to bring your house closer to ideal temperature, it will lessen the burden of your heating or air conditioning system. One example is by installing insulating materials throughout the house and minimising the outlets or holes where air can travel from or to the inside. Wearing thinner clothes during summer can also help you achieve ideal temperature without lowering the room temperature too much.

Ask for tips – People are getting smarter everyday as they look for efficient ways to save money without sacrificing comfort. Asking your friends or relatives on how they reduce electric bills can provide you several ideas which are applicable to your situation.

Read online – There are a lot of tips in reducing electric bills online which you could use. All you need to do is simply scan the internet and you will find something that works.

Look for alternative power source – Instead of relying solely on your power companies, try considering solar panels or other alternative energy sources like JSG Solutions card meter which you can invest with and saves you in the long run.

Consult your power companies – Your power companies are willing to educate you on different tips to efficiently use your electricity. If you are using smart meters, you can ask your power company on the exact usage of your electricity and other important details they gather from monitoring your energy consumption.

Evaluate the result and look for improvement – Once you apply different ways which you think can lower your electric bills, check if they work and reduce your bills significantly. If they don’t, look for other means or try to improve your methods.

Now you know what to do if you want to lower your electric bills.

 

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Making Your Way Through The Finance Field

Posted by on Jan 10, 2016 in FCA |

coinsWhen it comes to mortgages there are lots of risks involved. It is extremely hard to obtain a mortgage with a bad credit rating. This is because the lending company or bank will have little or no security as you are seen as an unreliable client. In order to get a loan with a relatively bad score you will have to apply through an online website which will use a guarantor of your choice in case you default on a payment. If you are in a position of having a poor credit rating then you should consider visiting a financial advisor.

If you are looking in to a low interest loan you’ll have to apply and the necessary information will be supplied by financial professionals. This type of mortgage an item you own is often used as a deposit, such as a house or car. This means that the lender owns a percentage of this asset until the borrowed money is returned.

When it comes to business it is important to seek the help of an FCA compliance advisor online at http://pragmaticcompliance.co.uk/. This is because finance becomes a lot more difficult to navigate as there are so many rules and obligations that you have to adhere to. If you do not follow the proper rules you could find yourself being penalised and some businesses that do not follow legal financing even end up in jail!

It is for the reason that the compliance department of the government has been set up. It is a regulatory authority that operates independently and regulates financial firms.

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