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Lifestyle Self Improvement

How to Become A New Tenant in London 2020?

It’s easy to understand the lure of London, from the capital’s bright lights to the high-earning job opportunities that it provides. However, the cost of living in London can be prohibitive, with the capital ranked as the 46th most expensive city to live in the world (from a selection of 477 global locations).

Perhaps the biggest cost for any London resident is rent, with the average price of new tenancies in the capital estimated at £1,665 each month. Overall, it’s thought that rents in London increased by 3.1% last year in comparison with 2018’s figures, highlighting the challenges facing new renters in the area.

London 2020
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In this post, we’ll explore this further, while asking how to become a new tenant in London in 2020.

Rent in London – The Key Considerations

While we’ve discussed the average rents in the capital, it’s important to know that this can vary wildly from one borough to another.

For example, the South London borough of Croydon (which sits at the most affordable end of the spectrum) commands rents of just £1,136 per month, whereas the corresponding figure in Westminster is a hefty £2,526.

Of course, much also depends on the size of the property that you look to rent. With even one-bedroom and studio apartments likely to cost you significant amounts of money as a new tenant.

Renting a studio apartment in the fashionable borough of Marylebone will cost you £1,780 per month on average, while a one-bedroom flat in the same area will set you back £2,509 over the same period.

Conversely, you can rent a three-bedroom house in southeast London’s Abbey Wood for just £1,285 per month, and this highlights how location and your precise accommodation needs impact on your cost as a tenant.

With these points in mind, it’s crucial that you develop an accurate and manageable budget as an aspiring tenant. Before targeting areas that are comfortably within your means.

If you’re operating on a tight or restricted budget but want seamless access to the capital. We’d recommend reviewing boroughs such as Dartford. This is sets in Kent and resides on the outskirts of London. But it also benefits from outstanding transport links that make commuting quick and efficient.

This is an important balance to strike. While you should also note that regions such as Dartford are home to genuinely affordable properties.

What Else do You Need to Know?

Once you’ve found a property, the next step is to understand your rights. And duties as a tenant and take out any necessary insurance.

When it comes to the latter, investing in comprehensive tenants’ contents insurance should be your major priority. There are plenty for insurers that offer this type of coverage. And your task is to find bespoke and tailored policies that guarantee you genuine value for your money.

If you’re renting social housing, we’d also recommend reviewing the Tenants’ Agreement and Handbook. As this will form part of your tenancy agreement with the City of London Corporation.

If you’re intending to house share as a way of curbing costs. You should definitely let your contents insurers know that you won’t be living alone.

Otherwise, you could run the risk of invalidating your insurance. Costing potentially hundreds of pounds in the event of fire, theft or accidental damage in the property.

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Car Reviews Health and Fitness

Covid-19 Lockdown: What does it mean for UK motorists?

With the UK in lockdown in order to combat the ongoing COVID-19 pandemic, life has changed dramatically. The government has brought in strict rules on what people can and can’t do in a bid to contain the outbreak. But it raises many unanswered questions – especially for millions of motorists and how the rules affect them.

Covid-19 Lockdown: What does it mean for UK motorists?
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This guide answers some of the common questions that motorists have in the current climate.

Can you still drive your car?

The current rules do not stop you from driving your car as such. But it is important to bear in mind that you should only be making essential trips e.g. shopping for necessities or travelling to and from work if you can’t work from home.

You are also allowed to drive your car if you are going somewhere to walk as part of your daily form of exercise. But time spent driving must be much shorter than the time spent walking.

Are petrol stations still open?

If you are still making essential trips by car, petrol stations remain open for you to refuel. To maintain social distancing, it is a good idea to use self-service pumps where possible and use gloves when handling the pumps. You may also want to refuel at quieter times too.

Can you get your car serviced?

Garages are classed as essential businesses so that people who must keep driving during the lockdown still can. While a regular service history is important, a garage is unlikely to take on any non-essential work until the restrictions are lifted.

What happens if you breakdown?

You won’t be left stranded if you are unlucky enough to breakdown during the lockdown. The AA, RAC, Green Flag and other service providers are still operating and can come to your aid – unless you are self-isolating after experiencing COVID-19 symptoms.

How are your insurance policies affected?

In normal circumstances, you should always tell your insurer if there is a major change in how you use your car. But insurers are well aware of the current situation, so you won’t need to do this. And your policies continue to protect you against any theft or damage – as well as the inevitable depreciation that comes with age if you hold a gap insurance policy.

Should you declare your car as off the road?

If you’re not driving your car at all, you might be thinking about getting a Statutory Off Road Notification (SORN) from the DVLA – registering it as ‘off the road’. It means you won’t need to tax or insure your car for the duration. But this can be counter-productive.

Is your car due for its MOT soon?

Any car, motorbike or van due its MOT from 30 March 2020 onwards has been granted a six-month exemption. You just need to keep making sure your vehicle is still roadworthy.

Worried about your car finance payments?

For some people, the lockdown is causing a strain on their personal finances. This can create problems if there are car finance payments to keep up with. Get in touch with your lender as soon as possible – they may be able to help you out.

What should you do to maintain your car?

If your car isn’t moving anytime soon, it’s easy to not give it a second thought. But this could be an error. Regular maintenance is no less important now than if you were using it as normal.

Use this time to check the oil levels, tyre pressure and other basic systems. You may also wish to get a charger that keeps your battery topped up if you aren’t using your car for a long time.

For as long as the COVID-19 lockdown restrictions stay in place, there will continue to be many questions that need answering. This guide, however, has looked at the common concerns that motorists have – providing the answers needed to keep both driver and car safe alike.

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Health and Fitness Home Improvement

Creating an Energy-Efficient Home

Climate change is a tough issue. It is a topic that people have trouble agreeing on. When it comes to the politics of it, not much is being done because no one can agree on how to do it. The one thing everyone agrees on is that no one wants to pay more than they should for energy. There are a lot of ways to conserve energy and save money on your bills, but one of the best ways is to do so is to make your home more energy-efficient and sustainable.

Creating an Energy-Efficient Home
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The Basics

According to the site MoneyPug, which is often used to compare gas and electricity, while the design of your house dictates a lot about your bills concerning energy it doesn’t have to define your bills. You make change your home and design it to be as efficient as possible. You can also augment the utilities to best fit your needs and to keep your bills down. The point is, don’t settle for less. You can see to it that your home is efficient and sustainable. You can see to it that your energy bills are cheap.

Heating

By far the most expensive utility is heat. This is the best place to start in order to get your household energy prices down because most people are paying way too much for heat. First of all, you shouldn’t use it unless you have to. One degree can affect your energy bill by up to 10 percent. Using a timer to control your overall heat consumption will help you cut down.

Even still, if you don’t use that much heat you could probably still reduce your bills. 40 percent of your home energy use is space heating. That means there are many ways to decrease your consumption. Your filters and ducts can have an impact on the performance and energy consumed. Settings can also make you pay more than you should. Managing airflow, shutting windows and doors, and making sure that your insulation is adequate will also help you keep cold air out and hot air in.

Insulation

Creating an Energy-Efficient Home
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For both heating and cooling, you will want to make sure that your doors, windows, walls, and ceiling are properly insulated. While air-conditioning isn’t as expensive as heating, it is still one of the biggest costs of household energy. You probably can’t change or control what your house is made of, but you can see that your doors are tightly closed and that your windows are covered with a film to keep the property insulated.

Roofing is a huge part of this. Insulation is installed under the roofing itself and above the ceiling. This reduces the heat gain from the material. Consider installing insulation that is the correct thickness to help you reduce the amount of heat and cool air getting out of your home. You should make sure that your windows and doors are drafted and sealed. Curtains and drapes can also help insulate the home.

Water

Water is another way that you use energy. Paying attention to your water system is key. Your water heater should be working efficiently and effectively. You should make sure that your thermostat settings are correct. Even your showerhead, which can save water while maintaining an adequate level of water pressure, makes a difference. Pipes should be insulated. The heater strategically placed so that the pipe don’t have to be too long, which makes the heater work harder. Consider moving it, the one-time cost will offset other costs in the long-run.

Appliances

Pay close attention to your appliances and make sure that they are working correctly. The refrigerator sealed tightly. Your dishwasher can set to air dry. If your freezer has ice build-up, it will have to work harder to freeze your items. Turning off appliances when you are not using them can save a lot of power.
There are many more ways than these to make your house more energy-efficient. The bottom line is, you can make your home more sustainable. Whether you have a big place or a small place, you can make changes. You can live more reasonably, and you can decrease your bills.

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Health and Fitness

Ways the UK Can Effectively Deal with COVID-19

Many of us started in 2020 with many hopes and dreams. We all envisioned how the year was suppose. Had we known what was going to hit humanity this year, we would have prepared ourselves adequately. For some time, we all heard the news of the new illness. Most of us did not take it seriously as it had not yet started affecting us. Unfortunately, the world is facing a tough battle against the coronavirus. Many states and governments are trying all they can at the moment. The UK is one of the many countries affected by the pandemic. The UK government is trying to control the COVID-19 virus, yet more still needs to be done for citizens to be safe. Here are suggestions on how the UK government can effectively deal with the COVID-19 virus.

Ways the UK Can Effectively Deal with COVID-19
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Ramp Up COVID-19 Mass Testing

Unfortunately, most countries are unaware of the epidemic. Now, more people are dying and finding new strategies to combat the virus has become crucial. To get through this pandemic, we first need to know those who might be infected. Before a vaccine found, we need to control the spread of the virus. The government has come up with guidelines such as social distancing, always washing your hands, and staying indoors. Though these guidelines are effective, more can be done.

There are several ways that the government can achieve mass testing for the virus. Though mass testing may cost a fortune, the life of the citizens should be the priority. It may be overwhelming for everyone to go to a hospital for testing, and this is because hospitals are already receiving many patients and the medical staff are not enough at the moment. PCR technology can identify the virus. Using PCR technology to do mass testing may be the best option right now. In all universities, every biology department has several PCRs and using these universities and every lab in the country that has the technology may end up saving a lot of lives in the UK. Though mass testing every week may not be fully accurate, it will prove to be effective.

Creating Emergency Space

As we all know the number of infected people keeps increasing as the days go by. Though social distancing and maintaining good hygiene has helped reduce the rate at which people are being infected, the hospitals are still crowded. The need for creating additional space for patients and isolation rooms has increased. Having additional space should not always be expensive and constructing permanent buildings is not always the best choice. The government should consider the use of temporary structures to provide extra space.

Companies like Smart-Space put to use at this moment. Their ability to quickly deliver reliable structures to utilize. The country will have the required space to set up hospitals and help centres. Creating more space will play a major role in helping the country to control the spread and treat those infected with COVID-19.

Conclusion

This is the time to be strong. We need to rely on the human will to survive. We should all follow the guidelines of the government on how to stay safe and prevent the further spread of the coronavirus.

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Home Improvement

5 of the Best Smart Home Products You Can Buy

5 of the Best Smart Home Products You Can Buy

When investing in your smart home products. There are dozens of different options for upgrades and improvements around your home. Some will prove to be more useful than others. And some may add more value to the home. Still, more will offer both a function and added value. And you have to make sure that whatever you choose is convenient and does make your life easier or more efficient.

If you want to make the most of smart home products, here are five that should be on your list to get started:

1. The Smart Outlet:

Many brands are creating smart electrical outlets that utilize automation technology to allow you to regulate and monitor the appliances and electrics that you use in your home. From setting a timer on lamps to having the ability to turn off appliances you forgot to unplug, there are many perks to upgrading your outlets to smart devices.

2. Smart Thermostat:

Temperature regulation in your home is a large part of the operating expenses and monthly bills that you pay. One of the best smart devices you can install in your home is a smart thermostat. These devices can automate temperature control, including offering room-by-room zoning and remote management and monitoring from your smart device or smart home hub.

3. Video Doorbells:

For the sake of your safety and peace of mind, smart doorbells and other security components are a great choice. These doorbells are available in a variety of styles and designs and can be monitored from any tablet or smartphone so that you can always see what is going on outside your home. The best part is that these are activated by motion or a push of the button. If there are just people passing too closely by, you will be able to keep an eye on things.

4. The Smart Home Hub:

If you are integrating any smart home technology. Having a central hub from which to manage it all is going to be essential. Most products on the market include their apps for managing the device, which means that you may end up with half a dozen apps on your phone, to monitor all of your smart technology. If you choose to add an integrated smart home hub. You can manage everything from one place.

5. Smart Lighting:

Smart lights are another easy upgrade that can save you a lot of money. Plus, how often do you forget to turn off lights in the home? Being able to monitor and manage your lighting remotely guarantees that you will spend less on your electricity bills. Smart lighting is available as lighting fixtures or as individual bulbs. Allowing you to customise your upgrade to your budget and other needs.

These are just a few of the smart home products that should be at the top of your list when you are upgrading to home automation. Check out what else is out there and find your favourite smart devices for your home products.

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Health and Fitness

What are the Most Common Medical Negligence Cases?

While there are many challenges facing the NHS (aside from the ongoing coronavirus outbreak), the financial impact of medical negligence claims remains one of the most pressing.

What are the Most Common Medical Negligence Cases?
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Although the volume of claims has remained largely stable over the course of the last two years (apart from a modest 2% increase in 2018/19), the NHS is facing the prospect of paying out £4.3 billion in legal fees to settle outstanding claims in the financial year just gone.

But what are the most commons types of medical negligence claim, and why do these place such a significant burden on the national health service in the UK?

1. Medical Misdiagnosis

Let’s start with medical misdiagnosis, which occurs when a healthcare provider fails to successfully diagnose a condition in a way that leads to unnecessary suffering on behalf of the patient.

This provides the foundation for most medical negligence claims, with as many as one-in-six patients treated by NHS hospitals and GP surgeries misdiagnosed on average.

Medical misdiagnosis falls into two distinct camps; namely where a condition is completely missed and ends up going undiagnosed or where an incorrect diagnosis is made.

In both instances, such clinical errors will lead to the failure to provide adequate treatment, which depending on the severity of the underlying condition can trigger incredibly costly claims and incur life-threatening risks.

2. Surgical Negligence

While the NHS provides exceptional healthcare in most instances. A sustained lack of spending and a fundamental lack of resources has increases the number of surgical errors made nationwide.

Surgical negligence tends to trigger the most serious and costly claims. With certain instances labelled as ‘never events’ as they should never happen and are completely unacceptable in the eyes of the law.

To provide some context. The period between April 1st and October 31st, 2015 saw 79 instances in which surgery was performed. The wrong body part and a further 46 cases where patients retained a foreign object after the operation.

While this type of negligence is incredibly rare. It also triggers the biggest payouts and can often stretch NHS resources to the bone.

3. Prescription and Medication Errors

Every day, hundreds of thousand of prescriptions are written and dispensed throughout the UK. With the vast majority of these processed without error.

However, errors do occur in some instances. Whether you tack the wrong drug or  the prescription is wrong

Such errors may be the fault of either the prescribing doctor or the pharmacist administering the prescription. While there may also be some crossover between this type of case and aforementioned medical misdiagnosis claims.

In many instances, such errors are not hugely impactful, although taking the wrong medication. Or a larger than necessary dosage can have a negative effect on a patient’s long-term physical wellbeing.