Why Use an Independent Garage?

When the time comes to give your car a service, you will find that you have two main options. The first is to take the car back to the dealership where you first purchased it. Most new car dealerships have their own garage facilities in place, and their Car Checker will be very familiar with your make and model of car, as well being more likely to have quicker access to spare parts. Your second option is to take your car to an independent garage where they can Check MOT requirements for your car, and this is something that can have many advantages, least of all on price. In this article, we’ll take a look at some of the reasons why you should consider an independent garage for your next car service.

Why you should use an Independent Garage

Independent garages often rely on gaining a good reputation amongst their customer base, and it is quite often word of mouth that will attract new custom. With customer satisfaction high on their list of priorities, you can usually expect to receive a good level of all round service from them.

Another aspect that makes independent garages more attractive to new customers is the fact that they tend to use less staff, lower overheads and this can help them to price their services competitively. In addition to which, independent garages are not bound by a corporate structure, or a set of rules that have been handed down by head office. This means that they can get on and do the work whilst quoting a price that is specific to your make and model of vehicle, rather than one that has been set elsewhere.

A Little known fact about Independent Garage Owners

One thing that a lot of people do not know regards the fact that a lot of independent garages are owned and run by people that used to be employed by dealerships. More often than not, this means that they can bring years of experience and customer service that they have learnt when working for a dealership, whilst providing a competitively priced service.

In Conclusion

As you can see, there are a number of advantages to using an independent garage for your next car servicing, least of all the chance to get a Car Check by a professional mechanic at a much lower cost than by taking it to a dealership.

For the Financial Novice: Fixed or Floating Interest Rate Loans

One thing that I’m quickly learning as I take on more financial responsibility such as loans, mortgages and auto payments is that there is a lot of new jargon and financial concepts that are new to me. One concept that I recently faced was fixed and floating interest rate loans.

Before becoming a borrower, I simply believed that there was an interest rate, and you pay it for the duration of your loan, unless you considered consolidating your loans.

But now I’ve learned that interest rates on loans and bond investments can be fixed or floating and which one is preferable are depending on specific situations. Unfortunately, which one is best is also dependent on reading the future. Choosing a floating rate might benefit its borrowers and investors but it might not.

Fixed Interest Rates

These are the type of loans that I was always familiar with. Fixed interest rates are loan rates that remain the same for the loans entire term, regardless of what the markets Interest rate derivatives are. Generally, you would choose a fixed-rate loan dependent on the markets environment at the time when your loan is taken and on the duration.

Floating Interest Rates

A variable, or floating, interest rate loan is one that moves up and down with the market or an index. Therefore, the interest rate is not determined while borrowing but rather is dependent on an underlyer. For example, a person might borrow £15,000 for London Inter Bank Offer Rate (LIBOR) + 1% per annum. LIBOR is the interest rates at which banks are ready to borrow money. This rate changes daily and subsequently, so would the interest rate but the rate is only updated about every 6 months – 1 year.

Choosing Between Fixed and Floating Rates

I was surprised when I realised that these two concepts are so important to the global financial sector that large businesses, investors, portfolio managers, banks, etc. use Interest rate swap claims to exchange one interest rate for another to obtain a better rate and preferred fixed or floating type. They will use clearing houses to safely make Swaps; one interest rate for another.

But I was curious: which is best for me?

Floating-rate mortgages often have lower rates than fixed rates, which could make them ideal for a loan that is quickly repaid. However, when your rate is dependent on vague speculation of the future interest rates in 5 years, the floating rate becomes a larger risk and perhaps not worth its lower rate.

Therefore, as somebody who is taking out a personal loan for a residential mortgage and you’re not a follower of the Derivatives market, then opting for fixed interest rates would be a safer option. If you have an appetite for gambling and believe that interest rates will fall then a floating rate might be the right strategy.

That being said, for investors, portfolio managers, bankers, etc. and have a great understanding on the future of interest rates then to obtain a better rate and gain money then there is sound strategy in investing in a certain strategy.

Interest rates are as intrinsic to financial responsibility as growing up is to life. What I’ve learned is that as you grow old and gain more financial responsibility and start borrowing and investing money, new jargon and financial notions are going to come. Take them one step at a time.

Kids Friendly Fruit and Vegetable Recipes

As an adult, it’s hard to remember what it was like to put your nose up to fruits and vegetables but chances are that your parents remember.  Parent’s have always been scratching their heads and losing their minds trying to figure out creative ways to feed their adorable but frustrating fussy eaters, after all, it is important for their Kids health.

There are a lot of great tips that parents have shared because they have worked for them. One that seems to always repeat is getting your child involved in the cooking process. But sometimes it’s hard to get your child involved in your pasta-bakes and fried fish and chips.

Here are some Recipes for kids that you can involve your fussy eater in the prep or cooking process and will fill up your fussy eater with vitamins, minerals, antioxidants and fibre.

Colourful Vegetable Pizza

Even the most fussy eaters love pizza and they are a great way to get your child involved, by putting on the topping, and a clever way to sneak on a bunch of vegetables. You can switch up your pizza by adding pesto sauce, piled on veggies, diced chicken or turkey and you can opt for whole-wheat dough.

Taco Wraps

Who says that kids shouldn’t play with their food? Set out the necessary healthy and colourful ingredients for taco’s such as: fat-free or whole wheat tortillas, shredded cheese, cubed chicken or turkey, tomatoes, lettuce, cucumbers, onions, carrots, guacamole, etc. You can get your child involved by letting them smash the avocado for guacamole and let them roll up their taco.

Foods on a Stick

Who doesn’t love food on a stick? The convenience, fun and variations make it a perfect

option for your fussy eater. Cut off the sharp tips of the bamboo skewers to make the more kid friendly and now get creative. Try fruit on a stick such as: grapes, strawberries, kiwi and watermelon. If you want something more savoury then try cooked ziti, cheese cubes and chicken. If you have a grill readily available then put some chicken on a stick and in-between pieces of chicken add fruits vegetables such as zucchini, squash and apples.

Bite Sized Egg-Based Meals

A lot of fussy eaters still love eggs and since they are packed full of protein, vitamins, folate, good cholesterol, phosphorus, choline, antioxidants and more, they are the perfect base for any meal. Bake frittatas or quiches in muffin pans for a bite sized meal that your fussy can eat any time. Add lots of finely chopped vegetables such as celery, onions, peppers, mushrooms, spinach etc. and don’t forget about the cheese.

For more Healthy snacks for kids, watch the YouTube video below.

Reducing Your Foot Pain

Few things are worse than a sore foot. It can make walking a chore and uncomfortable and it becomes stressful to move around. If you’ve been simply living with foot aches and pains, let me help you unravel why you might be so sore. According to my osteopath, foot injuries can give lots of insight into the health of the overall body as a whole.

Think about your muscles. Is your pain dull or is throbbing? Does it seem to go away with rest? These are signs that the muscles in your foot might have been overworked. A physiotherapist would recommend elevating your foot and icing the sore regions should help to reduce the pain. Check with your physician to see if you are safe to take any over the counter pain medications.

If at home remedies don’t do the trick for you, don’t hesitate to call in the experts. If you had a back ache, I’m sure you’d see a chiropractor, so if you have sore feet, make an appointment with a chiropodist to give you an examination. These healthcare experts work exclusively with the foot and will be able to tell you if your injury is serious or not. The chiropodist will also be able to prescribe specific medications or therapies for you as well.

More often than not, chiropodists like to try old fashion remedies for healing painful feet before trying any procedures that might have a long recovery time or involve lots of medications. Many physicians will suggest bed rest. Sometimes simply staying off your feet and giving them a break is enough to alleviate your pain. Soaking your feet in a specific solution can also help to reduce swelling and irritation. Before starting a new regiment, be sure to consult with your chiropodist.

You don’t have to suffer with irritating foot pains. Sometimes waiting another day can lead to more damage. Make an appointment with a chiropodist to see what you can be doing.