Guide Archive

Two Different Debt Management Plans To Help Clear Debts

At Bournes we understand the impact of unmanageable debt on an individual’s life can be overwhelming. By the time our clients contact us for debt advice, nearly 70% had been in a debt management plan or IVA with other debt advice agencies such as, PayPlan, CCCS, Blair Endersby, or Eurodebt. Most of these clients had contacted us because the aforementioned debt advice agencies had caused them to get into further debt by failing to stop interest and charges, or putting them on an IVA or payment plan that was unrealistic.

The consequences of failing to create a debt programme that is realistic and manageable can be severe. Several clients have informed us that they are in substantial mortgage arrears because they were threatened with bankruptcy if they did not maintain payments on their IVA, even though they had informed the company dealing with their IVA that they were struggling.

Almost all our clients who had held a debt management plan with PayPlan and CCCS complain that interest and charges were not frozen and their debts have continued to increase. Many have county court judgment against them for debts which may have been unenforceable but were never contested because both PayPlan and CCCS are funded by creditors, therefore, they are not working in the best interest of the debtor.

The impact on poor debt advice can be devastating. Relationship breakdown, feelings of isolation, the stress of living on a tight budget had affected them deeply.

Debt management can help clear your debts, providing you are with a specialist advice agency, such as Bournes, who will work on your behalf to freeze interest and charges before making payments to your creditors, check your credit agreements to see if your loans or credit cards can be written off, negotiate full and final settlement/part 36 offers on your behalf.

Because we are specialists, we can also:

  • defend charging orders or get terms attached to the charging order to prevent repossession
  • apply for time orders to freeze interest on loan agreements and prevent repossession where court action has commenced
  • defend county court judgments where debts may be statute barred, unenforceable or in dispute
  • recover bank charges to ensure that you don’t pay back what is not legally due

write off debts where creditors have failed to comply with the prescribed terms of the Consumer Credit Act.

We are also able to offer two different forms of debt management plans that suit your needs:

Debt Plan 1

We charge one fixed sum based on your level of debt. Your monthly payments are then put into a client account which, initially, pays our fees but will eventually be used to settle your debts in full & final settlements or part 36 offers.

All your credit agreements will be checked to see if we can get them written off. Where we find the credit agreements are unenforceable, the case will be referred to our solicitors for a full write off.

Bear in mind that the principal amount and interest have to be paid on a separate basis otherwise the International Debt Collection would take it as a breach in their plans because the fixed sum that is paid is based on the debt amount you have taken and paying monthly installments is entirely in your hand so that the interest rate does not pile up.

Where the credit agreements are enforceable, we will negotiate with the creditors for interest and charges to be frozen before making payment.

Debt Plan 2

We charge a monthly fee of 16% of your payment to us.

As in Debt Plan 1, your credit agreements will be checked to see if we can get them written off and will negotiate with your creditors to get the interest and charges frozen.

However, this service does not offer full & final settlements and you may find that it will take you substantially longer to clear your debts.

This is the most common debt management plan offered by other debt management companies. The only difference with our debt management plan is that we may be able to write off your debts.

If you are currently in a debt management plan, it is unlikely you are receiving the full professional service you are paying for. Unlike Bournes, most debt management companies do not have the specialist training required to deal with complex debt matters.

Tips And Guide To Restoring French Provincial Furniture

The furniture was made in smaller cities in France for countrymen or middle-class peoples. The style used in the furniture is not as unique as every craftsman used to have carved their design with a little touch of royal design. The french provincial furniture was made during the 18th century in smaller cities of France, and this style is used to make all-purpose furniture like furniture for bedrooms, dining room, and even the furniture used in the living room.

Benefits of french provincial furniture

There are many benefits of french style furniture. Some of them are

  • This furniture was made using the wood found in the countryside like oak, beech, elm, etc., and was durable and easily movable than those imported woods used to make the furniture for royal people.
  • The colors used on the furniture were generally of light contrast, which made the furniture look even more interesting. White was the most used color at that time.

Features of french provincial furniture

  • The furniture made by the craftsmen was mostly made for middle-class peoples and country men’s so the design used was not very fancy. Some of the features of this furniture are
  • The design is carved to remain for a longer period, and the furniture was also durable.
  • The styles used on the furniture were not too much like the one used by royal families. It was made by keeping the people using it in mind.
  • Most of the furniture has different things carved on it too with your hand.
  • After the carving, the furniture is painted using the paint available in the southern part of France.

Sum up

This furniture mostly has cabriole legs, which means it’s curved. Also, This furniture is not as stylish as that of royal furniture, but it’s good for middle-class people.

Unheard Things About Electrical Service You Should Know About

Electrical work is not everyone’s cup of tea, which is it is the best idea to hire a professional electrical service for it. In that service, you will come to meet various experts those who are ready for the electrical project. You can also find electrician near me as that thing will help you in finding the right one who is an expert in his work. So if you are interested, then all you need to do is go online and find the right website.

If you are having any issues with wiring or any other thing related to electrical appliances, then the electrical service can be very helpful for you.

A good reference is helpful

If you cannot find the best electrical service on your own, then you need to go for the references from the people. You can contact the people via phone call and ask them about the electrician they have hired for their project. Consider them, and if they suit you well, then you can hire them without any second thought at all.

Their knowledge related to equipment should be the best if you do not want to face any kind of issues.

Last lines

If you are ready or interested in this service, then it can become challenging for you. You should not hire the electricians without comparing them because by that you can come to know about how good or bad they are. The electrician should not delay the project as he should complete it under the time as well as the budget.

Go for those who are located near your areas, which will make it easy and quicker for you to get the service. Thus in this way, the electrical project can be accomplished in no time at all.

10 Tips To Minimize Your Student Loan – Learn The Tips

It’s a little scary when you first think of it, the fact that you have to begin your educational journey with debt. But college is a must today if you’re looking to achieve success in your professional and personal life. Almost every employer demands a degree, and even if you’re planning to go into business for yourself, college offers you four years of experience that you cannot afford to miss. But you need money for a degree, and unless you have access to a scholarship or a fund that your parents have set up for you, you need to take out a loan.

The downside to a loan is that you have to pay it back, and this puts pressure on you to find a job that pays well as soon as you leave college. So if you’re smart, you’ll try to keep your student to a minimum so that your future financial burden does not become too heavy a cross to bear. Here are a few tips to help you do this:

With the use of the correct tips, you can get a car loan from Title Loans site. You should get the amount either in the cash or bank balance. The repaying of the loan is within the specified time. The collection of the right information will offer the benefits to the individuals.

  • Apply for scholarships:

Even if you don’t secure one in your first year, you do have opportunities in your second and third years if your grades are good. The key is to keep looking and applying.

  • Start saving:

It’s not an easy thing to do, but if you’re the kind who plans ahead, you could start saving for college while still in school. Your savings may not amount to much, but money is still money, especially when it means you reduce your future burden of debt.

  • Take a year off to earn money:

If you’re able to get a job even without a degree, you could use a year after high school to save up for college instead of taking out a loan.

  • Study online:

It’s a cheaper way to earn a degree and one option that allows you to continue working as well. So you are saved the hassle of borrowing to finance your education.

  • Seek help from loved ones:

Very often, monetary gifts from loved ones go a long way in helping to keep your debt down. Tell your friends and family that you are saving up for college and ask them to contribute what they can towards your endeavor.

  • Reduce your expenditure:

Keep your expenses down in college – remember that every dollar that you don’t spend today is one that you don’t have to repay with interest in the future.

  • Get a job:

It may be hard to manage a job and your studies, but a part time job helps you earn money for your expenses instead of having to use your loan money for the same.

  • Minimize usage of your credit card:

It may seem like easy money, but when it’s time for the bill to be paid, you’re going to find yourself in a quandary. And the longer you defer paying your balance, the higher the amount becomes. So the best thing to do is to use your credit card only in emergencies and then pay off your bill at the earliest.

  • Don’t borrow or lend money:

They may be your best friends, but when it comes to money, it’s each to his/her own. So don’t borrow money or lend any to anyone, even if it’s just a few dollars. Money has a way of ruining relationships like nothing else, and if you become a habitual borrower, you know there is no end to it.

  • Maintain good grades:

One way to ensure that you get a good job on graduation or even before that is to maintain good grades. Employers are always on the lookout for successful achievers in the academic and extracurricular departments.

How Many Calories Does My Dog Need A Day

After the second most important requirement (water), dogs need energy to grow, work, play, reproduce, recover from illness, maintain healthy lifestyle, and enjoy old ago. Dogs use energy all the time but their “exact” requirement depends on their age, level of activity, metabolic rate, physiological status, and size. Unlike humans, dogs eat mainly to satisfy their energy requirement. Consume anything more than it requires, is purely lacking in discipline, human discipline! Many owners tend to over babying their dog base on their own eating habits.

Here are some basic facts:

Energy :

Energy comes in several forms such as heat, light, mechanical, electrical, and chemical energy. The food our dogs consume contains chemical energy and it is stored in their body until they release it through their daily activities including sleep.

: Energy comes in several forms such as heat, light, mechanical, electrical, and chemical energy. The food our dogs consume contains chemical energy and it is stored in their body until they release it through their daily activities including sleep. Calorie : One Calorie (1 Kcal or 1000 calories) is the amount of heat (energy in food) required to raise the temperature of 1 kg of water through 1°C.

: One Calorie (1 Kcal or 1000 calories) is the amount of heat (energy in food) required to raise the temperature of 1 kg of water through 1°C. RMR : Resting Metabolic Rate (RMR) is the amount of energy (calories) a dog needs to burn in order to keep vital organs functioning endlessly with no activity *RMR is similar to BMR (Basal Metabolic Rate) and often used interchangeably but technically different.

: Resting Metabolic Rate (RMR) is the amount of energy (calories) a dog needs to burn in order to keep vital organs functioning endlessly with no activity *RMR is similar to BMR (Basal Metabolic Rate) and often used interchangeably but technically different. MER: Maintenance Energy Requirement (MER) is the amount of energy (calories) a dog needs to burn under these conditions: exercise, growth, work, gestation, lactation, cold and warm temperatures. To know the amount of MER your dog needs is to multiply RMR by various ME depending on different conditions.

How To Calculate Resting Metabolic Rate

To calculate resting metabolic rate for individual healthy adult dog is not that clear cut, mainly due to two factors.

All dogs have different metabolic rates even within the same breed. The relationship between size and maintenance energy requirements (MER). This is based on the correlation between the dog’s weight and surface area. The greater surface area the dog has, the higher is his RER. For example, if you’d to put a Chihuahua and a Great Dane in the same room, obviously the Chihuahua has a greater surface area as compare to the Great Dane. Hence the Chihuahua will require greater energy replacement due the higher loss in body heat.

The size factor also comes into play here as the Chihuahua is smaller in stature while a Great Dane is bigger but when it comes to energy levels sometimes both need it in equal measure irrespective of the size like for example a High quality Black Golden doodle requires just as much as a dachshund.

FYI, if you’d to use formula 1 as your guide to feed your Chihuahua and Great Dane, the Chihuahua will eventually accumulate an extra of 18,600 calories in a year. If his activities remain unchanged, over time your Chihuahua will become obese. Hence the two RER formulae for different weight group.

Again I stress, to calculate resting metabolic rate (RMR) is basically to know the daily calories needed for your dog to remain alive with “zero” activity–such as sleeping 24 hours throughout the day.RMR is used only in extreme situations so do not use it even your dog does not nothing much all day long.

Things To Consider In Making Custom Challenge Coins

Have you decided to make your own challenge coin? If you do not know how to make your own design, you may want to read the following things that you must consider in making custom challenge coins.

  1. Event

Custom challenge coins are usually used as tokens of appreciation during a certain event. Such coins are commonly distributed at special events such as retirement parties, birthday parties, events showcasing a person’s bravery, fantasy football drafts, bachelor events, memorial ceremonies, poker tournaments, and business conferences. Many people utilize challenge coins in different ways which can bring fun and excitement to everyone.

  1. Artwork

Before calling a certain company that offers custom challenge coins, you should decide what the design of the coin will be and with you can focus on the advertising and branding as well. Bear in mind that the design should be unique to the extent that people can easily recognize that it is yours. The image or insignia that is placed on the coin should be a good representation of what the event is all about. In case, you are giving it to someone special to you, the design must be related to him or something that can make him smile. You may include images like cultural symbols, monuments, sports teams, flags, and dates.

  1. Hard or Soft Enamel

Soft and hard enamels are not related to the hardness and softness of the output. These enamels pertain to the finishing process utilized to finish the coin. Hard enamel offers a smoother texture because an ample amount of pain is flushed along the coin’s edges. In contrast, soft enamel offers a coin with raised metal edges which make the coin rough and dimensional. Hard enamel is more expensive than soft enamel.

  1. Quantity

You need to know how many coins you need. If your purpose is to give it to your family members, then you may just order a small number of coins. If the custom challenge coins are to be distributed at a special event, you may need to order coins in bulk. In this case, you don’t know what the exact number of attendees is, but you can estimate the number of coins you need. If you think that there will be 100 participants, order 125 coins or more. It is best to order coins more than what you expect to play safe.

  1. Plating

Plating is the term referring to the exterior covering of a custom challenge coin. The different types of plating include black nickel, black metal, high-polished silver, gold or bronze, and antiqued silver, bronze, or gold.

  1. Size

The size of a coin is in terms of diameter. Usually, custom challenge coin companies use the U.S measurement system. The usual size of a challenge coin is bigger than a U.S. dollar coin. Coin diameters are ranging from 1.5 inches up to 3 inches.

  1. Edge

There are different types of edges that may be done to challenge coins. You can choose from the flat edge, spur edge, flat weave edge, rope cut edge, oblique line edge, and diamond cross-cut edge.

Any company manufacturing challenge coins would ask you what design specifications you want for your coin. If you are not ready or not aware of the possible design specifications, you may end up having a coin you don’t like at all. Be sure to study the above-mentioned things first before calling a challenge coin maker. Do not just agree with the company if they offer a design to you.

You must examine it first if it satisfies your personal preference. If not, then you can contact another custom challenge coin company. Once you know what design you want for your coin, feel free to propose it to the coin maker and know if he can make it.

Shrooms – Helping to Treat Mental Disorders!

There are several drugs in the world,  which people use extensively for enjoyment and recreational purposes. One such drug is the shroom, better known as the magic mushroom. These mushrooms contain some psychoactive ingredients, which makes the consumer feel some hallucinations. Magic mushrooms are consumed in various forms as some eat them directly where some of them consume them be mixing in any food or beverage.

You can easily buy shrooms online, as numerous websites are offering them at reasonable prices. Shrooms are highly popular all over the world as they provide some incredible mental health benefits. Some of the top ways in which magic mushrooms help to improve one’s mental health are listed below.

Helps to treat treatment-resistant depression 

Treatment-resistant depression is a kind of depression on which no sort of treatment shows any effect. Magic mushrooms can be quite helpful in treating such kind of depression. These mushrooms reset the mental state of a person and help them to recover from depression. Treatment-resistant depression is quite tough to treat, but shrooms can do it easily.

Acts rapidly and offers relief 

One of the most amazing benefits of using shrooms for mental disorders is that they act quite rapidly and offer quick results. It is entirely safe to consume and starts showing results as soon as it enters the body of the patient.

Magic mushrooms are a great alternative to other anti-depressants as most of them take few days to show results, but psilocybin mushrooms are not the same. They provide quick results and offer rapid relief from severe depression symptoms.  

Long-lasting effect

Magic mushrooms are highly effective in treating mental issues as a couple of doses of these mushrooms can easily last upto multiple weeks. These magic mushrooms can be used to get some relief from anxiety and depression.

These shrooms are highly recommended to the cancer patients as they suffer from a lot of anxiety and depression. It is a short term treatment that offers long term benefits.

Garden Fountains To Enhance Your Garden

At you’ll find 300+ fountains along with the 10 Best Lawn Mower For Small Yard: Wall fountains, garden fountains, waterfalls, table fountains, and more!

Garden fountains add glamour and interest to even the smallest garden or backyard

There can be few sights more spectacular or dramatic than the garden fountains at Versailles in France. But very few of us have such grand gardens, and for most of us, our garden fountains are on a more modest scale. Nevertheless, the right garden fountain can bring any garden alive.

There’s a huge range of garden fountains in all different styles and materials to choose from, such as corner fiberglass garden fountains, wall fiberglass garden fountains, pond, and waterfall combined fiberglass garden fountains, synthetic rock fiberglass garden fountains, so it’s important to get one that’s suitable for your garden.

Deciding why you want a garden fountain and what purpose it will serve in your garden should help narrow down your choice. It might be the appeal of the sight and sound of gently splashing water on a hot summer’s day or perhaps the water display of a garden fountains will add interest and glamour to your garden. This will help determine what sort of garden fountains to look for.

Then decide what will look good in your garden. If your garden is informal, naturalistic, or a wildlife garden then a grand, formal garden fountain will look out of place. Also, large garden fountains can dominate small gardens. Here a bubble or wall fountain running into a pool might be more appropriate.

Next, decide what sort of material is best for your garden fountain. Traditional concrete and stone garden fountains are being replaced by fountains made from modern materials. These include resin and fiberglass, which are lightweight, cheaper, require little maintenance, and are very strong. High-quality garden fountains using modern materials will give many years of trouble-free service.

If you decide on fiberglass or resin material for your garden fountains make sure the surface texture and color are not painted on. This will quickly erode to leave ugly and unsightly white patches.

Having decided on the material for your garden fountain, consider the water and electricity supply to run the pump, what size pump you need, and who is going to install it. This requires professional guidance by qualified installers who will be able to give good advice about installation and safety requirements.

Alternatively, go for a self-contained garden fountain where the piping is all contained within a self circulating system. Many of these self-contained garden fountains have small ponds incorporated into them, some are even large enough for a few fish.

Lastly, consider the maintenance of your garden fountains, particularly through the winter months. If you live in an area where it freezes then your garden fountains will need to be protected. The water must be turned off, and the pump and all pipes protected from severe and prolonged frost.

Given a bit of thought and planning garden fountains are a wonderful addition to gardens. The sight and sound of splashing water have a magical quality that is quite irresistible. Whether you have a small informal backyard or a grand formal palace or something in between, it’s possible to find just the right garden fountains for you.

Top 15 Best Tips And Tricks To Use Tiktok Like A Pro

Tiktok currently has 500 million users worldwide. Want to be popular? Use these cool tricks and tips to make it to the trending videos.

Note, Content is everything on this app. Unlike YouTube or Instagram, a video can go viral with only a few followers. So let’s start!

  • Look presentable. Put a nice profile picture and try to look nice in your videos. Use good lighting.
  • 150 characters limit is not a lot. Keep your caption as short as you can and use the rest for relevant hashtags for greater visibility.
  • Use keywords in your caption.
  • Level up your game with the speed effect. You can create a superfast funny video or a dramatic slow-mo.
  • Tiktok allows you to put an effect on a particular segment of the video rather than the entire one. Be creative with this. Make a mix of different effects.

  • Extract sounds from other videos. Choose a sound from a viral video and add your own flavor to it by which we mean, keep your video original.
  • To become trending, be trendy! Create challenges, make a hashtag, and ask out your friends to accept the challenge and tag you.
  • Post when users are most active. A simple Google search will help you determine the peak times in your area and standard time. You can also find out in the app itself if you have a pro account.
  • Promote videos by sharing it on other social media accounts including yours and others’.
  • Repost trending videos. Direct Tik Tok video download from other users is easy. Just long-press on the video and select ‘save video’.

  • Embarrassed about low likes count? Switch to private mode.
  • Collaborate with users having a decent number of audiences already. Duet features can come handy.
  • Share your Tiktok profile on your other social media bio.
  • Filter out negative comments on settings.
  • Engage more and be regular with posting.

Happy posting!

Know You Can You Use The Stc Turner On The 6.0 Powerstroke

The newer versions of powerstroke engines were produced in 2004-05. Here they used STCs instead of cast iron oil pump fittings. An older version of fitting in Ford has a permanent issue of leakage within it. However, the 6.0 powerstroke fittings prove to be the best turner and the best priceThese fitting are avoiders of short-circuiting due to an engine oil leak. Along with powerstroke fitting, a suitable alternative might be the one-piece and super solid STC or Snap-to-connect fittings. 

Issues covered

Minor leakages can lead to a difficult and time taking start of the vehicle and also, if persuaded, can lead to a blowup. Complete damage of the battery is quite a possibility. It is advisable to switch to a one-piece STC fitting for ensuring a lasting life of your car battery.

Why is STC turner a necessity?

The STC turner is a need for an able upgrade because there is quite a few equipment prone to failure, starting from the dummy oil rail plugs to the standpipe of oil rail. They give a long cracking period. Similarly, tools like oil coolers that react as a coolant can easily be replaced accordingly. STC can avoid repeated failure of the engine. Such STC p-stroke is available in online shopping platform in both departments of the best turner and the best price 

As stated earlier, the older versions before the STC turner on the 6.0 powerstroke caused several leakage issues, hard and rough start to the engine. With HPOP pressure being at the lowest possible to neutralize operating temperature. Adding an STC turner on the 6.0-p can reduce unnecessary costs and improves user interface on the whole.