Blogs

5 Ways to Improve Your Chances of Approval for a Guarantor Loan

There are many funding options for people who need money, and a guarantor loan is one of them. This loan works well for people with a poor credit history as it can increase their likelihood of getting the money. The guarantor, who can be a trusted family member or colleague, acts as added security to the lender. If you fail to pay as per the agreement, the guarantor helps settle the amount.Guarantor loans have become popular for people with poor credit histories and those without stable sources of income. The guarantor you choose should be trustworthy and prove the ability to pay in case...

Val Watson

Val Watson

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How to avoid getting locked out of your car

As someone who recently got locked out of my still running car (yes that’s right it was still running), I completely understand the panic that fills your world when you get locked out your car on a cold February morning, with your life belongings tucked away inside, and a highly important meeting looming at 9AM.

We all think it won’t happen to us, until one day it actually happens to us, and there you find yourself frantically awakening half the neighbourhood to try and get access to a phone. So what you do want to do is take some preventative measures to avoid this happening....

To Vote or not to Vote?

Authored by Martyn Goss
Posted: Mon, 05/04/2015 - 7:48am

After observing the unedifying General Election campaign nationally and being involved in several local Hustings, I have to honestly say I am feeling very uninspired and pretty low about the overall state of English politics. In my view, we face an unprecedented global ecological challenge and a menacing destabilisation of democracy. Together these two call for an intense campaign to de-carbonise as soon as possible on the one hand, and a profound and radical overhaul of our political and economic systems and structures on the other. This means we need to set out detailed programmes to...

10 everyday things invented by accident

Almost all popular inventions today were created by scientists who had a very specific idea and went on to materialize it. To invent something, you have to go through a series of experiments with different calculations. However, in some cases experiments can go wrong, resulting in you creating something you never intended to make – a great product. Everyone on this list may not be a scientist, or even successful at what they do, but they had enough luck to create products that we simply can’t live without .

1 – Coca-Cola

Towards the end of the 19th century, an...

Blog: Easter and Ecology

Authored by Martyn Goss
Posted: Fri, 04/03/2015 - 8:50am

Are there any connections between Easter and Ecology? Jesus, the son of Joseph from Nazareth, was a key participant in a new Jewish reform movement. In the face of the political oppression, religious corruption and economic exploitation of his day, his short ministry focussed on the release of those with heavy burdens, the freeing of the stigmatised and the healing of brokenness. By including the excluded, breaking social barriers and sharing acts of human kindness, he reminded those around him of God’s call to Israel to be a people of compassion and mercy, justice and peace. He also...

Why solar panels are an investment for life

Authored by jamesreddy
Posted: Thu, 03/19/2015 - 12:47pm

First-time homebuyer Tyrone France was very clear on his priorities when he and his wife recently moved into their new-build house in Exminster, Devon – the first addition had to be solar panels.

30-year-old Tyrone, who is an IT specialist for a media company, was intent on making their house a home that they will live in comfortably for the next 15 or 20 years, and for him energy security was a big part of that dream.

“Buying our first home was a very exciting step,” he said, “but we also want it to be our home for years to come. We decided that the earlier we could...

Budget Bites by Haines Watts

Pensions & Savings

Business owners will be disappointed that the Chancellor has reduced the amount they can save for retirement over their lifetime from £1.25m to £1m. Only a few years ago, the lifetime limit was £1.8m - so this represents a massive reduction in the ability to save for retirement. The good news is that the annual allowance has not reduced as was feared, so the opportunity still exists to save a significant sum this year. Business owners may want to use this year’s allowance and any unused allowance for the last three years prior to the year end, rather than...

Chancellor's 'kitchen sink' budget!

We might have expected George Osborne to throw everything but the kitchen sink at today. Instead, he provided us with a fully funded budget, and didn't spend the money on cheap giveaways. How very grown up of him - but he's kept plenty of wriggle room to offer some stunning manifesto pledges on IHT. At current interest rates cash ISAs were fairly pointless before, but now are likely to be unnecessary for the vast majority of savers. The new £1,000 tax allowance for savers means you’d need to have cash savings of more than £100,000 at one per cent interest to need to shelter any of it from...

My journey from insomnia to sleep

Before the course started

This evening I start my first session of insomnia treatment with Stephanie Romiszewski who is a Sleep Physiologist at the Sleepyhead Clinic in Exeter. I am both excited and nervous as I begin this journey into the unknown, a little sceptical, as nothing I have tried in the past has made the slightest bit of difference to aid my sleep, not even sleeping tablets and I have believed, for quite some time now, that I am beyond help.

First, let me tell you a bit about myself. I am 44, happily married, with a beautiful 8-year-old son who is my world. I...

Which philosophy will shape your election choices?

Authored by Martyn Goss
Posted: Fri, 03/06/2015 - 4:09am

In their newly published letter ‘Who is my Neighbour?’ the Bishops of the Church of England call on us to draw on our deeper consciences as we approach the General Election in May.

In particular they rightly call us to reassess the policies the political parties are offering us in terms of values.

How will this policy impact on the weakest in society? How will this affect future generations? Will this action bring about justice, peace and reconciliation? What makes for the common good? What kind of society do we expect to live in? It seems to me that at this time there are...

Catch a date in 50 seconds

Fancy climbing out a window to escape a date? In your average day, you see so many different faces yet no-one really talks to each other. Lots of single pringles are still waiting to find their perfect match; but human nature takes its toll with nerves kicking in on the first date and many of the UK unsure how to even start talking to someone.

So why do so many citizens bail out last-minute because we are just too scared to commit? In day-to-day life, everyone checks out some-one or other, whether it’s checking out their bum or even thinking the person is hot whilst drunk on the...

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