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Extra Special Anniversary Gift Ideas

Whether you’ve been together for two years or twenty years, an anniversary is a very special celebration for any couple. However you choose to celebrate, there’s one thing that’s for certain – you need to find the perfect gift for your significant other. If you’re having difficulty thinking of the ideal gift, then don’t worry, as this selection of special anniversary ideas will definitely help. For inspiration, we’ve looked to the traditional wedding anniversary gifts, which have stood the test of time as a measure of what couples should buy each year.

The First Five Years

The first five years of a relationship or marriage are new and fresh, and the traditional gifts linked with these years reflect that. These traditional vary slightly in the UK and the US, but are largely similar. For example, in the UK the first anniversary gift theme is cotton and the second is paper, while in the US this is switched around. Both countries have leather for the third year and wood for the fifth year, but the fourth year differs greatly. In the US it is silk, while in the UK it is fruit!

Turning these themes into gift ideas might seem tricky, but with a little imagination it’s actually very simple. Cotton could be represented by an item of clothing or bed linen, and paper could take many forms, including a book, a love letter, a piece of artwork or even origami. For a truly memorable gift, consider creating a personalized photo calendar (available at: mixbook.com/photo-calendars-home), that captures your most cherished moments together. When it comes to leather gifts, you could choose an accessory such as a belt or bag, or go for something bigger, like a piece of furniture. Wood could also take many forms, from furniture and ornaments to hand carved jewellery. Silk is simple enough, but if you want to play on the UK’s fruit theme you could opt for a piece of embroidery, an ornament or even a tree to plant in the garden.

Up to Ten Years

Between five and ten years is where the UK and US traditions begin to diverge quite dramatically, with the US focusing mainly on metals, while the UK brings in a more eclectic mix of materials. In the UK, year six is traditionally sugar, while in the US it is iron. The seventh year is wool in both countries, but the eighth is salt in the UK and bronze in the US. The ninth year is copper in the UK and pottery in the US, and the tenth year is tin – or sometimes aluminium – for both.

Some of these years pose quite the challenge for gift ideas, in particular sugar and salt. Sweet treats and chocolates are an obvious choice for the former, but the latter may require some extra thought. Beauty treatments, such as salt scrubs, are an excellent choice, or you could go a little abstract and take your partner on a seaside holiday. Iron, bronze, copper and tin could easily be translated into a special piece of home decoration, or perhaps some specially made jewellery. Wool is an easy one if your anniversary happens to be in the winter, as you can opt for jumpers, blankets and other warming accessories. You could even learn to knit and make them yourself!

Up to Twenty Years

After the ten year mark, the traditional gift themes begin to peter out, only appearing every few years or so. This leaves more room for imagination, but isn’t very helpful if you’re struggling for gift ideas for your 17th anniversary. There is a traditional gift for the 12th year, which is linen or silk, and the 15th year is marked by crystal. Ideas for crystal gifts include wine glasses, an engraved vase or ornament, and jewellery. Swarovski’s highly popular range of jewellery features expertly cut crystal, set into a range of stunning designs.

The twentieth year is marked by china, a very traditional item that doesn’t leave much room for imagination. There are some china gifts, such as classic teapots and hand painted tableware, which may be exactly what your partner is looking for, but if not then don’t worry. China ornaments, or original pieces of china art, could be more of a personal and original gift to give, and they’ll allow you to find something a little unusual for your significant other.

The 25th Year

The 25th anniversary is the first really big one, and as such is celebrated traditionally with one of the most precious metals: silver. A versatile and beautiful metal, silver can be made into almost any shape, which also means it can be made into almost any gift. Silver jewellery and accessories are good choices, but if you’re looking for something a little different – and maybe more practical – then you might consider investing in silver bullion. Investment is just one of the many ways that silver is used in the global economy, and buying a silver coin or bar for your partner is giving the gift of investment, which they can then build on or sell for profit. Whatever you decide to give for your anniversary, make sure that your choice is unique, personal and extra special.

Buy to Let Yields on the Up, Despite Market Slowdown

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Leading UK Bridging Loans Provider Notes Marked Uptick in Buy to Let Mortgage Inquiries and Applications 

Once again, the buy to let market has experienced a healthy increase in average gross rent yields, despite the market as a whole having seen a marked slowdown. For the second half of 2016, the average gross rent yield among buy to let landlords came in at 5.3%. When taking into account inflation at around 1%, this equates to a return on their investment of more than 4%. The data published by BM Solutions revealed the average monthly rental income among buy to let landlords came in at £766.

During the first few months of 2017 Bridgingloans.co.uk noted a significant spike in buy to let mortgage inquiries and applications, both from existing landlords and first-time investors. This would seem to suggest that the market slowdown has done little to deter many who are looking to invest or further their existing investment in the buy to let property market.

Strong Demand, High Confidence

“The will of the people to own a second property has not diminished due to the tax changes, but that could be due to naivety for some people due to a lack of information. Over the next few years, you could see a shift. We are still educating people about the changes – but even once we inform them, they have made their decision, they are aware and they are not waived to come off the path because the attraction outweighs the negatives in terms of income. They are looking at long-term growth.”Michael O’Brien, director at Access Financial Services

The figures for the second half of 2016 suggest that the highest yields of all came in the north, hitting an impressive 7%. This was then followed by Northern Ireland with 6.5% and the north west with 6.4%. Further south, London came out at around 4.4% for the same period, while the south east recorded average yields of 4.9%

Unsurprisingly, Greater London brought home the highest monthly rent yields of all – a full 45% higher on average than the south east at £1,591 per month. This was also a full 108% above the average for the rest of the UK.

Temporary Turbulence

“Rental yields remain strong, still offering investors high real returns. Typically buy-to-let investors in northern areas tend to benefit from lower property values providing higher yields, whereas southern regions have the lowest yields given the higher housing costs.”Phil Rickards, head of BM Solutions

While the slowdown last year may paint a rather negative picture, housing experts believe that it remains a very temporary slowdown and remain adamant that buy to let continues to represent a strong investment option. This would seem to be reflected in the spike in activity noted at bridgingloans.co.uk, where buy to let mortgages and similar financial products continue to pique the interests of borrowers.

About Bridgingloans.co.uk

Bridgingloans.co.uk is a leading UK finance broker & principle bridging loan funder with a unique commitment to transparency and customer service excellence. Principle bridging loan funders are offered on the back of comprehensive and digestible information to ensure rational and beneficial decision making across both domestic and professional circles alike. The team takes great pride in pioneering innovative new services to meet the short-term financial needs of UK borrowers from all walks of life. For more information or to get in touch, check out https://www.bridgingloans.co.uk

Making the most out of a franchise exhibition [Infographic]

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Franchise exhibitions are the best place to learn more about business and investing into new business opportunities, enjoying exclusive partnerships with leading franchise media in the United Kingdom. Regular exhibitions are held by in London, Manchester and Birmingham. These exhibitions are designed for people involved in business franchises to facilitate meetings between franchisors and those who wish to invest in new franchises, and generate many high-quality leads for companies with business opportunities to offer.

There are 5 main reasons you should attend one of these exhibitions:

1)Expert Advice & Opinions on how to run a business

2)Franchise Clinics are usually held at these events

3)Seminars on the finer aspects of running a franchise

4)To keep up to date on the latest developments in the industry

5)They are great opportunities for networking

Please include attribution to franchiseinfo.co.uk with this graphic.

FranchiseInfo Infographic

How will UK Traders Fare in the Post-Brexit Europe?

The highly contentious Brexit decision was one that Britons embraced with a slim majority on June 23, 2016. According to the official polls, 46,501,241 UK citizens turned out to vote on the Brexit issue (accounting for 72.2% of the electorate). Of those, 17,410,742 (51.9%) votes were in favour of a Brexit and 16,141,241 (48.1%) votes were in favour of a Bremain. Approximately 1.3 million votes pushed Britain over the line for independence from the European Union. This affected multiple aspects of the UK economy, notably immigration and borders, laws and regulations, unemployment and welfare etc.
The majority of voters in England wanted to leave the EU (53.4%), with just 44.2% for Northern Ireland, 38% for Scotland and 52.5% for Wales. Fast-forward to April 2017, and we are seeing some interesting trends developing in Scotland with a push for a second independence referendum. Clearly, the Scots do not want to lose their EU benefits vis-à-vis trade, migration and special rights and privileges. What happens in Scotland remains to be seen, given that the first independence referendum was a dismal failure. Whatever decisions are made by the political elite, the more pertinent reality is the one facing the people on Main Street.

UK Economic Realities to Contend With

Brexiteers cautioned about the risks of remaining in the EU, while Bremainers like the former Counselor of the Exchequer, IMF head Christina Lagarde, and ex-PM David Cameron warned of a housing market crash and plunging GBP if Britain was no longer part of the EU. Most of those fears have been vanquished, but concerns remain about how UK traders will do if passporting rights are lost by UK banks and financial institutions to Europe.  A few points are worthy of mention:

  • GDP is up 0.7% according to the ONS (final quarter of 2016).
  • The Bank of England reduced interest rates from 0.50% to 0.25%, weakening the GBP, but boosting overall economic activity to prevent deflation.
  • UK service sector growth dropped to a 5-month low in February 2017.
  • The services PMI figure dropped from 54.5 in January to 53.3 in February (any figure above 50 represents an expansionary economic climate).
  • Retail Sales Index figures are falling in 2017 (-1%) versus the 3months ending on September 30, 2016.
  • the GBP has fallen hard against the USD, and is currently trading approximately 50% less versus the USD, and 12% less versus the EUR.
  • Importers are paying more for goods coming into the UK, while exporters are enjoying booming trade. UK retailers typically rely heavily on imports of raw materials from Europe and abroad and these costs are now being passed on to consumers in the form of higher prices.
  • The FTSE 100 index is enjoying a golden period, now that the GBP has weakened considerably against the greenback, the EUR and other major currencies. Recall that 70% + of all revenues derived on FTSE 100 index companies are overseas. When these funds are repatriated back to the UK, they are worth more in GBP, hence the strong performance of the all share index.

Analysts from SaxonTrade have opined in a bullish way for UK traders. It appears that the honeymoon period for the Brexit is still in play. Since Theresa May triggered Article 50 of the Lisbon Treaty in March 2017, there is still a period of 2 years (March 2019) until the UK is no longer officially part of the EU. This means that all trading activity (passporting rights and regulations) between UK banks and financial institutions and the rest of Europe will remain in effect for several years. It is also likely that the UK financial sector will work hard to hammer out a deal with European countries to prevent a loss of trade and confidence that a Brexit brings. Of all the geopolitical events taking place in the world, Brexit uncertainty appears to have been factored into the GBP/USD, and the more concerning elements are the rise of nationalist parties in Europe, uncertainty in Syria and North Korea, and US/China relations.

The benefits of investing in a franchise business

With so many investment opportunities available, it can be incredibly hard to decide which type is most suitable for you. This infographic has five great benefits of investing in a franchise business. Franchise brands are consistent, McDonalds is an excellent example of a successful franchise as they follow the same operating system and reinforce the positive brand image. When investing in becoming a franchisee, you are given the benefit of exposure and immediate following due to an already existing brand. When the brand is well known, you are given an advantage within the current market without having to start from scratch.

This graphic also takes you through four more steps that include, you should always get regular support from your franchisor, to pay regular fixed fees. Franchise owners should always remember to pay the franchisor ongoing fees in the form of royalties. A great example of a franchise would be Homecare London; another tip this infographic goes through is when you express any sort of interest in buying a franchise, you will be presented with franchise disclosure documents, you must read through this for some key information when investing in a franchise. This very educational infographic has been brought to you from Homecare preferred franchise, please see the infographic for some more in depth tips to guide you through investing in a franchise.

The Future Is FinTech

This infographic takes you through all of the stats and statistics you need to know about FinTech, this includes stats such as how many FinTech companies worldwide are achieving prominence, in 2015, UK FinTech has generated over £6.6 billion in revenue, there are over 1300 companies around the world and still growing.

 

This very helpful will educate you just how much FinTech has grown through the world, this infographic will show you how much FinTech has grown for countries such as the United States, China and India. United States have gained £4.5 billion, then china with £2 billion and India with £1.65 billion.

 

The numbers behind the investments are quite incredible. There has been a 120% increase in revenue in Europe alone, a 51% increase of deals worldwide and a massive 201% increase of investments over just one year. This infographic has been brought to you from FCA compliance experts FinTech compliance. Please see the infographic for even more interesting stats on FinTech and its growth over the last few years.

British Holidaymakers Waste £144 Million A Year on Forgotten Holiday Items!

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The UK’s sunshine enthusiasts have felt the burden of forgetting important items when they’re on holiday, after it was discovered that British holidaymakers waste an astonishing £144 million a year on forgotten holiday items.

A new survey has revealed that 53% of British households have admitted to forgetting an essential holiday item when they’ve jetted off abroad.

It was also revealed in the survey by compensation firm FlightDelays.co.uk that items of clothing (20%) were the most commonly forgotten items by Brits, followed by glasses and sunglasses (19%), phone chargers (13%) and toothbrushes (12%).

However, Brits evidently can’t cope without lost holiday items, as a staggering four fifths admitted to having to buy replacement items, setting them back £27.35 on average.

Clothes are not the only things that Brits are concerned about losing, with ten percent of respondents admitting to previously leaving behind or losing vital prescription medicines or contraception’s.

Forgotten items aren’t the only thing for Brits to be concerned about, as two thirds of British travellers admitted that they worry most about not locking doors and windows and leaving electrical appliances on in their home whilst they’re away on holiday.

Over a third (37%) of those surveyed revealed that they go on holiday twice a year, with the average holiday setting Brits back £836, but that’s not including their £408 of spending money to accompany them on their trip.

Recently the Office of National Statistics revealed just how much Brits love holidays, with UK residents making a staggering 12 million visits abroad in 2016.

Speaking on the survey findings, Steve Phillips of Flightdelays.co.uk, said: “Booking a holiday abroad can cost a heck of a lot, especially when you consider flights, hotels, insurance and entertainment for the kids.

“But imagine adding more money to that cost to replace items you’ve actually already got – how annoying!

“Although we can’t help you replace your forgotten holiday items, if your flight was delayed or cancelled, you could be entitled to compensation if your flight arrived or departed from an EU-based airport in the last six years.”

10 most commonly forgotten items

  1. Item of clothing 19%
  2. Glasses / Sunglasses 15%
  3. Phone charger 13%
  4. Toothbrush 12%
  5. First aid items or medication 11%
  6. Sun tan lotion 10%
  7. Toiletries 10%
  8. Female sanitary items 8%
  9. Food / Snacks 6%
  10. Swimwear 5%
  11. Image Credit: istockphoto.com / LeszekCzerwonka (via Custard Online Marketing Ltd)

The Life of a British Homeowner – In Numbers

The average UK homeowner moves out of their parent’s at 21, lives in seven houses and spends £26,295 on redecorating over their lifetime, according to new research.

And the typical mortgage will take 20 years and nine months to pay off – costing a total of £134,864.82 in the process.

Homeowners will end up living approximately 66 miles away from their childhood home on average – and will only live in TWO cities their entire life.

While a total of £14,138 will be spent on hiring removal vans, paying the legal fees and paying the stamp duty during the typical Brit’s lifetime.

UK adults will reside in two rental properties before getting on the property ladder for the first time.

The research of 2,000 UK homeowners was commissioned by Origin, manufacturer of bespoke aluminium bi-folding doors, residential doors, windows and blinds.

It looked at the different stages of property buying for the average British homeowner and how property aspirations change over time.

Ben Brocklesby, Director at Origin, said: “With the cost of moving so high, we have seen that families now choose to improve their current homes, rather than move.

“Many years ago, a home would be for life, but that changed and people started moving as their needs changed – whether it be as a result of new job or starting a family.

“However, today we are seeing a resurgence of people choosing to renovate and improve their current property so it fits with their needs without incurring moving costs.”

Typically, it takes four months and three weeks to get settled in to a new home – while over half of adults described moving home as the most stressful thing they’ve ever done.

On average, respondents will contribute towards two separate mortgages over their lifetime, and will typically look to downsize age 56.

The average UK property is estimated to be worth £249,127 on average among those polled – while the typical mortgage is £542.41 per month.

Of those who have ever had a mortgage, 39 per cent have paid it off, with the largest proportion of them – 27 per cent – aged 55 and over.

More people – 29 per cent – live in properties built before the 1950s than from any other period.

The average UK home has three bedrooms, while eight in 10 adults own a home with off-road parking and over half own a house with a garage.

The most popular style of interior is ‘modern’ followed by ‘English country’ and ‘minimalist’.

Seven in 10 homeowners jointly own their property with their partner and a fifth received money from their parents to help them get on the property ladder.

A third of home owning Brits currently live in a semi-detached property, over a quarter live in a detached house and 15 per cent live in a terraced home.

The research also explored what UK homeowners of different demographic groups consider to be most important about their homes.

House Prices Increase to 5.8% from January to February

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According to the Office for National Statistics, house prices in the UK rose by 0.5% from 5.3% in January to 5.8% in February.

It comes as figures from banking providers such as Nationwide have indicated that they think the growth in house prices is slowing down, showing signs that the economy is taking steps to repair the property market.

The figures show that the average price of a property in the UK amounts to £217,502; a £12,000 increase on the average from 2016.

Unsurprisingly, London was the region with the most expensive properties with the average price being £475,000. The most expensive borough to live in was Kensington and Chelsea, where the average price was a staggering £1.4 million.

Regions towards the Eastern tip of England experiencing an average 10.3% uplift year-on-year but despite this large jump, North-East regions are experiencing growth on the other end of the spectrum. Here, prices are rising by just 2.2%; a dramatic difference.

Properties in Scotland have seen a 3.1% increase over the previous year, whereas Northern Ireland has experienced a 5.7% increase over the same period.

These slower property prices align with the Council of Mortgage Lenders (CML) reported a strong borrowing trend throughout the first two periods of this year. They mentioned that borrowing throughout this period was the strongest it had been for ten years:

“Seasonal factors traditionally keep the market quieter in winter months, but 2017 began relatively strong on the house purchase side. Borrowers took out more loans to purchase a home in the first two months of 2017 than any year since 2007.”

CML reported that more loans were taken out during this period (£93,200) than there was in the financial crisis.

An increase in the number of people purchasing their first property was a factor in this, along with the fact that a decreasing number of homeowners require a new mortgage.

Oldham Director Found to be Selling Illicit Diesel Fuel is Handed a 6-Year Ban

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The director of a company in Oldham has been handed a disqualification for a total of six years, meaning that he is unable to take part in the management, formation or promotion of a company or limited liability partnership until the order has been served.

Muhammed Farooq Saeed, the sole director of SFS (Oldham) Limited, ran the fuel business out of a petrol station in Oldham, Greater Manchester. However, Mr. Saeed was found to sell diesel which had not beared duty on the full rate throughout the period between 26 March 2013 and 13 March two years later. This caused SFS (Oldham) Limited to suppress the sales of illicit fuel and after an assessment completed by HMRC, the company was handed a penalty which amounted to £58,344.

However, the company went into liquidation on 5 February 2016, three years after the business’ formation, with an estimated debt of £61,370 to creditors. Of this sum, £53,678 was owed to taxpayers.

Commenting on the case, Aldona O’Hara, Chief Investigator at the Insolvency Service, said:

“Company directors have a duty to ensure businesses meet their legal obligations, including paying taxes.

Neglect of tax affairs is not a victimless action as it deprives the taxpayer of the funds needed to operate public services.”

As a result of the disqualification, Mr. Saeed cannot act as the director of a company until the disqualification order has been served. He is also bound to a number of other restrictions; all of which can be found on the Government website.

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