Twas the Boiler that Spoilt Christmas

Twas the night before Christmas, when all through the house

Not a creature was stirring, not even a mouse

But rattling away, bubble bubble toil and trouble;

was the boiler under the staircase, beginning to rumble.

The children were nestled all snug in their beds,

As they drifted off to sleep, thoughts of Santa filling their heads.

Mum finally put her feet up after a hard day’s work in kitchen,

and Dad had prepared the fruit salad, that was always his mission.

The parents sat down to wrap the presents; Grandad was bought a gnome

(he would cherish it when became unwrapped in the warm cosy home).

He would then sing the songs of great Christmases past,

The rose tinted memories always seem to last.

Dad tip-toed up to bed, full of booze, cheer and goodwill -

because he had downed the sherry left for Santa on the window sill.

‘Tomorrow is going to be perfect’ that was his consensus (but wait here’s the spoiler;

the next day was going to unfortunately unravel because of the faulty boiler).

As everyone drifted to the land of nod, dreaming of festive bliss

The boiler under the staircase was beginning to hiss.

Poorly pipes began to freeze over, requiring the loving touch of an engineer,

the boiler just could not cope with the coldest month in our year.

As the night moved on, the inside temperature dropped to an all-time low – and

Outside; the moon glazed the new-fallen snow

As the sun came up, ice had formed inside the house,

No creatures stayed these Arctic conditions; not even a mouse.

The sun peaked through the curtains, awaking Mum and Dad,

The children screaming delights of all the Christmas delights to be had,

But as they all awoke, and from bed they started to arise

Realising that Christmas was bearing a frosty surprise.

The boiler was bust, well and truly broken

Making the inhabitants of the house cry loud; truly outspoken

Eighteen people were arriving in less than 6 hours time,

The grandfather clock was aching with every chime.

While panic spread through the house quicker than Santa’s sleigh,

Dad simply sat calmly in his chair, no fear did he convey.

He picked up his phone, and entered several digits

And began to waffle down the phone for several minutes.

As Dad put the phone down the family were dumbstruck,

For dad’s face showed a smile, then up did he pluck

“My dear family, on this cold Christmas day I bring assurance

For clever old dad this year invested in boiler insurance!”

Less than two hours had progressed,

Well and truly before Nan docked her Sunday best

The friendly repairman, (in no way begrudgingly working his Christmas hol’)

Strolled in under the tinsel, a ‘handyman Santa’ out on patrol

In less than thirty minutes, Bob had fixed the tragic -

Bringing warmth back into the home with his magic

Exiting, whistling his goodbyes as he walked out the door

With thoughts of different family’s cheer (and boilers) to restore

He sprang to his sleigh, to his team gave a whistle,
And away they all flew like the down of a thistle.
But I heard him exclaim, ‘ere he drove out of sight,
“Happy Christmas to all, and to all a good-night!”

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How AWR is Affecting Contract Workers at 12 Weeks

Since the advent of umbrella companies in the UK, contract workers have found that they are able to place many of their bookkeeping worries in the hands of their umbrella which frees them up to focus on their jobs. Traditionally, this has been in terms of pay and taxes to be reported. However, as of October 2011 there have been changes to the AWR guidance and now contract workers are relying more heavily than ever on their umbrella companies to help them understand these statutory changes.

A contractor umbrella company does act as an employer and paymaster, but they do so much more if the right umbrella company is chosen. There are a good number of umbrella companies that don’t provide ongoing information to their workers but Pulse Umbrella stands out from the crowd in a number of ways. One of the most important difference is in their compliance with Agency Workers Regulation and in their ability and willingness to help workers understand these changes.

Because the AWR changes don’t take place until a worker reaches that 12 week line of demarcation, many contract workers are fearful that they will lose their positions because employers are being forced by law to treat them equally with the full time workforce. In many cases this is simply just not true and a good umbrella company such as pulseumbrella.com will help their workers avoid unnecessary worries.

Yes, it is true that an employer can terminate the contract at 12 weeks but many find that it is in their best interest to keep these workers on. Can you imagine how much time, effort and money goes into training new workers every 3 months? Employers are not reluctant to give equal pay and many of the same equal benefits to contract workers because it is truly in their best interest to keep them on. If you are still fearful of how this new AWR guidance will affect you in your contracted position, contact the team at Pulse Umbrella so that you can better understand how these changes apply to you.

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Individual Bankruptcies Continue to Decline in UK

According to the Insolvency Service the number of individual bankruptcies continues to diminish in the UK and this is largely attributed to alternatives such as Individual Voluntary Arrangements (IVAs) and Debt Relief Orders (DROs). Comparing year-on-year for the third quarter of 2011, individual bankruptcies fell by an amazing 11% over the previous year and when the statistics are in for the final quarter it is expected that they will follow suit in this decline.

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When statistics are analysed for 2011, in the third quarter there were only 30,219 individual bankruptcies, down from 33,935 in the same quarter of 2010. Amazingly, 79% of these were made as a result of being petitioned by the consumer which is down from the 83% self-petitioned the year before. There were 13,048 IVAs and 7,604 DROs and this goes to show that so many more people are trying to protect their credit rating by avoiding bankruptcy.

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Moving to New Zealand Is an Everyday Affair

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While many people relocate within the UK, there are growing numbers who have been asked to take jobs abroad because their employer is relocating and have asked them to join the staff there. This is not a huge concern for a company that has won the prestigious EMMA (Expatriate Management & Mobility Awards) two years in a row. Robinsons overseas removals are renowned for making home and business removals stress-free for the client as well as for providing safe transport for goods being shipped.

Moving within one’s own country can be accomplished quickly and easily because there are no import/export rules and regulations to abide by, but when moving to some of the farthest reaches of the world, there may be duties and legalities which should be understood well in advance. This is never a problem for Robinsons International Removals and even shipping to New Zealand can be handled expediently because special care is given to providing clients with the customs information pertaining to duties, regulations and even on quarantines.

Best of all, Robinsons International Removals provides a personal Move Manager to handle the entire relocation removal for you. Call anytime to speak with your Move Manager as no question is too small or insignificant. From planning your relocation to setting up home or shop in New Zealand, Robinsons International Removals’ award winning services are there with you every step of the way. Go about your daily business while they work in the background, making relocation seem like a natural, everyday affair.

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What Happens When My Car Fails MOT under Warranty?

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Even so, it is always in your best interest to spend the extra bit of money to get the MOT warranty on any vehicle to avoid paying the high costs of repairs if a vehicle fails testing. With this particular cover worn parts will be covered if it fails inspection due to those parts. Of course, as mentioned, it is an extra outlay of cash, but well worth the cost because of the extra protection it offers. You can’t drive a vehicle that fails MOT and this is one way to ensure that it passes, at least on retesting.

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Best Credit Card Deals

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Once you have decided on the issuer and backer of the credit card, and have secured a low interest rate, another thing to consider is the incentive that can come with the card. Many credit cards now a days are trying to secure and retain customers, so they have many options and plans to sweeten the deal when using a credit card. Cash back is a very popular program that credits you an amount for every dollar you spend that you can cash in and receive back once a limit is reached. Another popular program is reward points. These can be saved up to put towards gifts or products offered exclusively with the credit card. Once a certain amount is earned, you can basically turn in that amount of points and receive the product or service, at no extra cost. Some rewards programs even allow you to convert your reward points into cash and receive. Read the rest of this entry »

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About Peer To Peer Lending

Abbreviated frequently peer to peer lending, is a kind of financial transaction which happens directly between people or “peers” without dealing with a conventional lender, just like a bank. Peer to peer lending is typically a for-profit activity, there’s interest billed so individuals providing the loan can make money from the money they given. This distinguishes from person-to-person non profit organizations, person-to-person philanthropy and crowd funding which create connections between contributor and readers of donations however the contributions don’t charge interest or earn profits.

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Peer to peer lending websites have risen in the ashes from the recession and capitalised around the dislike that lots of have for the current banking institutions. Basically peer to peer lending sites eliminate the center-guy and permit you to lend straight to other people or companies. You select just how much you need to lend, who you need to give loan to, and just how much interest they ought to pay. Read the rest of this entry »

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Bad Credit Credit Cards

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The need for Life Assurance cover increases

According to Roy McLoughlin, senior partner of London-based Master Adviser IFAs are not doing enough to promote income protection and few people are aware of it.

Backed by a report by a report from Swiss Re, still more needs to be done to get people to buy cover,

He added, “You would have thought that the welfare reform act and all the subsequent publicity around it would have encouraged people to examine their long-term illness situation more, which would lead to an increase in income protection sales.  This has not happened.  There is a huge education process that needs to take place among advisers and the public.”

However, new sales of Life Assurance Cover rose in 2010 and IFAs increased their share of the distribution.

The Term and Health Watch report showed that sales of individual term life assurance, critical illness cover and whole of life policies rose last year.  New whole of life business increased by 16.8 per cent to 371,467 policies, compared to 318, 078 in 2009, while critical illness sales showed a more modest increase of 0.8 per cent.

Roy McLoughlin said he was disappointed that income protection sales had taken such a hit.  He agreed with Mr Wheatcroft that more needed to be done to educate consumers about the need for protection.  He said, “The positives here are that more protection is being sold through IFAs.  The negative is the fall in income protection because it should arguably sit at the head of the protection table, and the fact that those figures have come down is disappointing.”

“Being ill long term is the thing that is most likely to happen to you in your lifetime.  The more cover that is sold the better, but income protection should be going up.”

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Lifesearch say ABI fail to support protection

Duncan McMillan, of Lifesearch Head of Sales, has hit out at the Association of British Insurers for failing to highlight the importance of life cover for customers, reports new review site Quote Life Cover.

He says: “Last time I checked the FSA handbook, part of the mission and remit of that regulatory body was promoting understanding of the financial system.  I cannot remember a time when they genuinely did that positively in protection.

Following the failure of the consumer protection insurance engagement campaign, Lifesearch head of sales Duncan McMillan says the regulator has not promoted the need for protection.

McMillan also says the ABI does not do enough to promote protection.  He says: “If we cannot look to the industry’s trade body of our regulator, who do we look to?”

However, Mithrandir Consulting Principal and former Swiss Re Head of Life and Health underwriting Jerry Brown says; “ I am not surprised that the campaign did not take off, it is like herding cats.  Yes, it is about time that the ABI got involved but there are too many vested interests there.”

Pru Protect director of protection development Kevin Carr says:  “I am yet to hear a solid and unresolvable reason as to why the campaign could not proceed one way or another.  Some of the rebuttals are little more than red herrings.”

ABI assistant director of health and protection Nick Kirwan says; “We agree that more needs to be done to promote protection, but need to work together to achieve this.”

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