Directory of Charing Cross Blogs and Bloggers

A personal training company based in Bushey Heath.

For Free Stuff and details check out:

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We are now offering:

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Free 50% OFF first training
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Free gift when you buy any of
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Free loyalty cards

Free discounts on all of our
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Free 50% off Osteopathic

treatment when you buy any of

our packages or pay as you go

block booking deals

Free discount on all pay as you
go block bookings

Free nutritional consultation

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www.wolfpackpersonaltraining.co.uk

I've just started a new blog about London architecture, old buildings, streetlife and cycling i.e. the things I'm interested in but not the really obvious stuff, more the things you might not know about or not have noticed even though you walk past every day... have a look.

London events, sights, food, drink and entertainment for the visitor or resident.

A photo and some words each day from London

London food blog: recipes, reviews, general chatter.

This topical, local London blog has loads of brilliant blog posts and is constantly updated with the latest and greatest about London life. Well worth checking out as it's relatively the new kid on the block but blows a lot of the other London blogs out of the Thames (see what i did there?).

Politics news for London. Also allows users to advertise events and place free classified ads.

British postal communications helped to shape the modern world. The British Postal Museum & Archive illuminates the lives of people in the Post Office, the messages carried by Royal Mail, the history we all share. Our history through the post.

The past and present of London life explored through sound recordings, sound maps and a history of the city's soundtrack.

Welcome to the world of Minnieparadise!! Minnie is an Independent lady based in Central London Minnie is very sexy equally sensual, slender busty figure Please visit Minnie at her website today.. You'll not be disappointed!!

A look at the world and God from the eyes of an Irish RE teacher.

Information and tips related to home and commercial security with application of security systems for crime prevention.

A personal training company based in Bushey Heath.

For Free Stuff and details check out:

www.wolfpackpersonaltraining.co.uk

We are now offering:

Free telephone Consulation

Free 50% OFF first training
session coupon

Free gift when you buy any of
our packages

Free loyalty cards

Free discounts on all of our
package deals

Free 50% off Osteopathic

treatment when you buy any of

our packages or pay as you go

block booking deals

Free discount on all pay as you
go block bookings

Free nutritional consultation

Free diet diary

Free BMI chart

www.wolfpackpersonaltraining.co.uk

Herbs vitiligo oil is a formulation of many natural ingredients which work jointly in a way that when the oil is applied on the affected areas it cures vitiligo within few weeks. This vitiligo oil is made up of 100% natural herbs extracted from natural organic plants attained directly from the botanical gardens. Herbs vitiligo oil is our special make which has been manufactured under watchful administration of qualified herbalists.

High Life is Greek Concierge's online magazine, presenting an extravagant lifestyle, a luxury culture and a world of richness evolving around our glamorous city that is London.

Traditionally, most landlords calculate their rental income and associated expenditures in January. However, insurance is one aspect they often forget about in this annual exercise. Landlords insurance is an absolute must for landlords to protect against any unforeseen mishaps. Whether it is damage to the rental property or loss of rental income, with a landlord’s insurance policy, landlords can be reimbursed for their losses. With January right around the corner, this is probably the best time for landlords to sit down and buy, review and/or renew their landlord insurance policy. Here in this article, we will take a look at some of the most important things you need to take into consideration when it comes to deciding on your landlord insurance policy.

Landlord Insurance: Important Things You Need to Think About

Here are some of the most important things you need to think about before buying or renewing your landlord insurance policy -

 Dwelling Coverage - This is definitely the most important part of your landlord insurance policy. Basically, it will provide coverage for the building - any damage to the rental property, whether external or internal will be covered under dwelling coverage. Insurance companies will increase the coverage at the end of the financial year by factoring in the year-end inflation. However, if you have in any way modified the building structure, it is advisable that you get in touch with the insurance company to get the dwelling coverage adjusted accordingly.

 Loss of Rental Income Coverage - This type of coverage will protect a landlord in the event of loss of rental income due to the tenant vacating the property before the end of the lease period and the landlord being unable to find a suitable replacement tenant. The term for this kind of coverage can be as long as a year, but you can negotiate with your insurance provider for longer periods. The limit for rent loss should be the estimated annual rental income, calculated after factoring in inflation. This will protect you in the event that your tenants have to move out because you need to carry out construction/repair work.

 Landlord Liability Coverage - This type of coverage offers landlords protection against liability. If a tenant or a visitor is injured whilst on the rental property and decides to take the landlord to court, this coverage will offer protection to the landlord and his interests. Also, landlord liability coverage is generally quite cheap, so it makes sense to buy the highest liability coverage possible.

For more information or for an online quote, please visit our Landlord insurance page at www.rentaltrader.co.uk, or call Endsleigh on 0800 783 2526 and mention Rental Trader.

The government introduced the tenancy deposit scheme as part of the Housing Act
2004 in order to settle disputes associated with the return of tenants’ deposits. The deposit which usually amounts to the rent of one or two months is designed to safeguard the landlord’s interest in the event that the tenant defaults with rent payments or causes any other financial loss. However, in the current economic climate, with landlords entering bankruptcy, it was too risky for the tenant’s deposit to be held in the landlord’s personal accounts. On the other hand, landlords were also at risk with tenants holding back the final month’s rent, so that they could retain a sum equal to the deposit if they sensed that deductions were in order, thus leaving the landlord at a loss. In order to settle such disputes and reduce the risks for both parties involved, the government introduced the Tenancy Deposit Protection Scheme in The Housing Act 2004. The tenancy deposit scheme came into effect from 6th April 2007. Here in this article we will take a look at the various important things a landlord should know about the tenancy deposit scheme.

Tenancy Deposit Scheme: How it Works

According to the tenancy deposit scheme, landlords who take tenancy deposits are under an obligation to join either the insurance based scheme or a custodial scheme. Here is how both the systems work -

 The Custodial Scheme - Under the custodial scheme, the tenant will give the deposit to the landlord, which the landlord then forwards to the custodial scheme. At the termination of the tenancy, if both the tenant and landlord agree on the way the deposit is apportioned, either of the two parties involved can inform the custodial scheme. The custodial system then pays out the sum as agreed. In case there’s a disagreement, the parties involved can approach the Alternative Dispute Resolution (ADR) service. However, both parties must respect the ADR’s verdict. If any of the parties involved wants to opt out of ADR, they can take their grievance to the legal system.

 The Insurance Scheme - Under this scheme, landlords can hold the tenancy deposits by paying a fee to a third party. This is why the insurance based scheme is preferred by most landlords.

Besides these, as a landlord you must also remember that you need to inform your tenants which scheme you will be using and pay the money to the chosen scheme within 14 days. The tenant should get the deposit money back within ten days if there’s no dispute. In case there’s a dispute the landlord must forward the disputed amount to the scheme administrator, until both parties arrive at an agreement, which is usually through the ADR service.

Want to know more about the tenancy deposit scheme? Visit http://www.rentaltrader.co.uk/ today!

A tenancy agreement is vital for landlords when letting a rental property, as it spells out the various obligations and responsibilities he must fulfil. The tenancy agreement will clearly define the rights of the tenant occupying the rental property, along with the tenancy period and the rent. It can also prove to be useful in case of rental disputes and help landlords safeguard their interests. However, that is not all - rental agreements also clearly lay down the various responsibilities and obligations that a tenant must fulfil. The Landlord and Tenant Act 1985 clearly mentions the various rights and responsibilities of both the landlord and the tenant. Here in this article we will take a look at the various responsibilities of the tenant.

Rental Property Tenancy Agreement: Tenant’s Obligations
While most of the repairs which need to be carried out on the rental property are usually the landlord’s responsibility, tenants do have the obligation of maintaining some aspects of the property. In general, the tenant must ensure that the rental property -

 Is kept clean and tidy
 Is not damaged by others or themselves (tenants)
 Is well maintained i.e. general maintenance work is carried out like changing light bulbs, fuses and even unclogging sinks.
 Is not smoked in by others or themselves (tenants)
 Responsible usage of the heating systems so that the vents are free from blockage.

Besides these, if a tenant changes or renovates any existing equipment within the rental property without due permission from the landlord, and as a result of which problems occur in the interior or the structure of property, the responsibility of repair for any of these damages will not be the landlord’s. Also, if the tenant damages any equipment or furniture or the property’s interior, the landlord has the right to charge the renter for any repair work or replacement, by deducting the costs from the deposit. The tenant’s responsibilities regarding electrical appliances and furniture will become clearer in the next section.

Electrical Appliances and Furniture - Electrical equipment provided by the landlord should be in good working condition and safe for usage. The landlord will be responsible for the repair of any faulty or broken electrical item. However, the rental property tenancy agreement may mention that the repair and/or replacement of certain electrical appliances will be the responsibility of the landlord while the remaining will be the tenant’s responsibility. The tenant will however, be responsible for all electrical appliances which they bring with themselves.

Similarly the responsibility for repair and/or replacement of any furniture provided by the landlord lies with the landlord himself. However, if any furniture is damaged by the tenant through carelessness or improper usage, the landlord can charge the tenant for the repair or replacement by withholding part or all of the deposit. The landlord cannot however, charge the tenant for items that become unusable due to daily wear and tear.

Besides the above mentioned responsibilities the tenant is also under obligation to fulfil other responsibilities as stated in the rental property tenancy agreement. As a landlord you need to make sure that all the terms and tenant’s responsibilities are mentioned clearly in the tenancy agreement before the commencement of the tenancy. If you need a tenancy agreement for your rental property, visit Rental Trader today!

As a landlord, getting a tenancy agreement before letting out your rental property is essential. While an oral or verbal tenancy agreement is also valid, it is always advisable to get a written tenancy agreement for your rental property before the commencement of the tenancy. However, when getting a tenancy agreement made, landlords must remember that all tenancy agreements are not the same. One of the major things landlords must take into consideration when getting tenancy agreements made is the type of tenancy agreement they choose. The decision will be based on the type of tenancy the landlord is offering. Here in this article we will take a look at the various types of tenancy agreements.

Rental Property Tenancy Agreements: Types
Here are the different types of tenancy agreements for the different types of tenancies -

 Assured Shorthold Tenancy - This type of rental property tenancy agreement is the most common type. Also known as ASTs, these tenancies are regulated by the Housing Act 1988. One of the basic conditions of the ASTs is that they should have commenced after January 15th, 1989. These AST agreements are for a fixed period of time, during which the rent amount is also fixed. In such tenancies, tenants have the right to occupy the rental property for the fixed period of time. However, once the fixed term of the tenancy is over, the landlord has the guaranteed right of repossessing his rental property. Tenants can also be evicted before the fixed period is over if they have breached the terms of the tenancy agreement.

 Assured Tenancy - Assured tenancies are also governed by the Housing Act 1988. One of the basic conditions associated with assured tenancies is that they should have commenced after January 15th, 1989, but before February 28th, 1997. These tenancies give stronger rights to tenants as compared to other types of private tenancies. Such types of tenancy agreements are usually offered by Housing Trusts or Housing Associations. Tenants can continue to occupy the rental property as long as they don’t break any of the terms stated in the tenancy agreement.

 Protected or Regulated Tenancy - Protected tenancies are also known as fair rent or regulated rent act tenancies. They are regulated as per the Rent Act 1977. One of the pre-requisites of these tenancies is that they should have commenced prior to January 15th, 1989. Renters in this type of tenancy have stronger rights against eviction.

For more information or to purchase an assured shorthold tenancy agreement right away, visit http://www.rentaltrader.co.uk/product/view/tenancy_agreements/11 today!