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November 2015

Life & Style

The Secret Benefits of Talking to Strangers

November 29, 2015 by

From a young age we’re told not to talk to strangers. Even as we get older and learn that very few strangers are dangerous, our reluctance to reach out and speak to people doesn’t seem to subside.

We’re lovely people, but whether we’re on public transport or in a coffee shop, we tend to keep ourselves to ourselves, only really speaking to others when we absolutely have to.

When we crawl onto the bus first thing in the morning, the last thing we want is a full-blown chat with the person next to us. We’ll sit there, staring down into our phones and chatting to strangers on social media while ignoring the fellow humans around us.

We’d never dream of *actually* chatting to strangers on the bus because we’re convinced they just want to be left alone too!

Of course, many people do want to be left alone and there’s nothing wrong with that, but I suspect there are just as many people who would love nothing more than a good old natter during the morning commute. The only problem is, these people are difficult to spot. How do you know who’s up for a chat and who’s not?!

The good news is, a brand new company called Heart On Your Sleeve (let’s called them HOYS for short) has taken this into account, designing two hexagon-shaped badges with a heart cut out of the centre for friendly people to wear. HOYS’ founder, Ilana Pine is hopeful that eventually, enough people will be wearing the badges that new and exciting conversations will be struck up in public spaces frequently. She wants to help people increase their circle of friends, boost their business network and even find love.

As Ilana explains on the website: “If you don’t know someone, it is often difficult to start a conversation. The tricky bit is not knowing what kind of reception you will initially get. All that is set to change. We present the badge that says “hello”. It says, “I like people”, “I’m approachable”.

You can find Heart On Your Sleeve on Facebook, Twitter and Instagram. If you love hearing about good deeds and reading positive and inspirational stories, give them a follow!

Whether you decide that a badge is for you or not, here are just a few reasons you should start talking to strangers:

Taking a break from the internet is good for you

As fun as it can be to spend your commute tweeting or playing Angry Birds 2, taking a break from your phone can have a more positive impact on your health and happiness.

Thanks to the internet and social media, we’re supposed to be more connected than ever before, but in reality, studies suggest that spending too much time online can make us lonelier and increase our risk of depression. Remind yourself what the real world looks and sounds like by unplugging and taking a break.

You can help tackle loneliness

Loneliness is a huge issue across the world and many experts believe it can have a negative impact on not only our mental health but our physical health too.

By making the effort to speak to others, whether that’s in a public place on the spur of the moment or through a befriending scheme, you can really help those who may be feeling lonely.

We tend to associate loneliness with the elderly, but it’s important to be aware that loneliness can affect the young too. In fact, a study found that 18-24 year olds are four times more likely to feel lonely than those over the age of 70.

You could unearth exciting stories and start a new adventure

How many of you follow Humans of New York on Facebook? If you’ve somehow managed to miss this internet sensation, it’s basically a project which shares the photos of random New Yorkers along with a snippet of information about their lives. One day we might read a tale about how an elderly couple first met, the next we might read about a stranger’s harrowing battle with addiction.

We’re reminded that each and every person we walk past has their own story to tell and many of these people are fighting their own private battles.

Of course, not every stranger you meet will be willing to tell you their life story straight away, but by chatting to people you’ve never met before you could benefit from some much-needed inspiration and even a new outlook on life. Be brave and start a new adventure!

Making someone’s day might just make yours too

The best part of chatting to strangers? Definitely the fact you can make someone’s day and leave them smiling from ear to ear. Whether you compliment someone on their jacket or pay for a stranger’s coffee, there are so many ways you can cheer up a stranger. You’re likely to feel great too and you never know, maybe someone will do the same for you one day.

Money

3 Months Spotify Premium For 99p: This great deal is back!

November 27, 2015 by
Apple Macbook Pro and iPhone 4s on the wooden desk

Updated on 28th May: Spotify’s popular deal is back and you can once again get 3 months of Spotify Premium for just 99p.

Usually Spotify Premium costs £9.99 each month or £29.97 over the course of 3 months. So with this fantastic offer, you’re saving £28.98.

Once your 3 months are up, you will start to be charged at the normal rate of £9.99 a month.

The offer ends on 30th June 2016.

What music can I get on Spotify?

Spotify is a digital music service that gives users access to millions of songs and allows them to listen to as much of it as they wish. Most artists allow their music to be accessed on Spotify, but there are a select few that don’t. You won’t be able to listen to Taylor Swift or Prince on there, for example.

Spotify does have a free version you can use, but Spotify Premum is well worth the money. These are the benefits:

  • No annoying adverts in between songs (you may not mind the adverts on the free version at first, but you’ll grow to hate them)
  • Listen to music on your phone
  • Download tracks to your phone itself and listen to them to them even when you’re not connected to the internet
  • Shuffle songs and skip them as much as you like

I already have a Spotify account. Can I still get the 99p Spotify Premium offer?

This 3 months for 99p offer is designed for new members only, so you unfortunately cannot access this discount from an existing account. However, I guess you could technically cancel your account and set up a brand new account using a different email address and debit card and claim the offer on there. But that’s against the terms and conditions, so I’m not telling you to do this, if you know what I mean.

By singing up for a new account you also won’t be able to access all your old playlists that you created before.

What happens when the 3 months are over?

You can cancel at any point in the Spotify 3 month trial but if you don’t cancel before the three months are up, you’ll automatically be signed up for the monthly payments at £9.99.

I definitely recommend sticking with Spotify Premium if you’re going to use it though, I can’t think of a better option for music lovers and it’s well worth a tenner.

Can students get a discount?

Spotify Premium is usually 50% cheaper for students than it is for us regular folk. So if you’re a student, it will usually cost you just £4.99 a month. Students can still use this 99p offer, but if you already have Spotify you’ll have to cancel any existing direct debits & create a new account.

How do I get the offer?

To access the offer, visit the Spotify Premium website.

Money

Peer to Peer Lending: A Great Way to Increase Your Savings?

November 20, 2015 by

For a while now I’ve been meaning to write a blog post about the world of peer-to-peer lending (P2P) and how it can help savers boost the return on the cash they tuck away. It’s worth noting that I’ve never used a P2P service myself before, but I’ve read countless articles that suggest it can be an ideal money-grower if you’re willing to lock away your cash for a set period of time. So today I’m featuring a guest post from Lending Works, looking at the benefits of P2P while also addressing the risks involved.

 

It’s an investment option the masses may be unfamiliar with, but peer-to-peer lending (P2P) has nonetheless enjoyed a meteoric rise over the last 18 months in the UK. This very simple concept involves creating a platform for ordinary people to lend their money directly to fellow consumers in need of a loan, and, by virtue of the monthly repayments these borrowers make, the lender enjoys a return on their money of up to 6% per annum.

What is peer to peer lending?

P2P offers a timely and refreshing alternative to poor value interest rates currently associated with many traditional savings accounts. Even the advent of cash ISAs are typically unable to push returns on savings anything beyond 2%. In the essence of transacting, peer-to-peer platforms aren’t a whole lot different from banks and other beacons of the high street. Some customers put money into the institution, while others draw it out for the purposes of credit.

The difference with peer-to-peer lending is that the process is a whole lot more streamlined, given that the money from the lender is matched directly with the borrower, without the platform taking an unreasonable margin in between. In addition, the process is conducted entirely online, eliminating the need for intermediaries and overheads almost entirely (the platform simply acts as a mediator, and ensures proper controls are in place). This all generates tremendous value in the equation; value that both lender and borrower benefit from in spades.

Is P2P a risky investment?

One important caveat to consider is that, unlike a savings account, peer-to-peer loans are not covered by the Financial Services Compensation Scheme (which will cover savers up to £75,000 per institution from January 2016) in the event of borrower default and/or platform failure, and lender capital is therefore at risk.

However, platforms have numerous measures in place to counter such risks. First and foremost, loan applicants are put through a meticulous test for creditworthiness, ensuring that those with poor credit scores won’t be allowed through the door. Funds are also spread across numerous borrowers in order to diversify risk. Lending Works in particular has taken safety a step further, by orchestrating an insurance which, over and above the aforementioned measures, covers lenders in the event of borrowers defaulting due to reasons like unemployment, sickness, accident, death, or even darker forces such as fraud and cybercrime.

It is an industry which has been stress tested too, given that default rates during the global economic recession typically remained between 2-5%, the sort of figures which were well covered by the respective reserve funds.

In addition, P2P lending will now be regulated by the FCA, ensuring that they adhere and are answerable to the highest possible operating standards and regulations.

A new type of ISA

Perhaps the biggest breakthrough for the sector and its investors is the impending inclusion of peer-to-peer lending within ISAs. In July, the Chancellor confirmed a new wrapper, known as the Innovative Finance ISA (IFISA), will be going live on 6th April 2016, and that peer-to-peer loans will form an integral part of it. This means that lenders will be able to make P2P loans up to the ISA allowance threshold within their IFISA account each year, and benefit from tax-free returns on the interest paid by borrowers.

Experts predict that inclusion within ISAs will see the industry swell dramatically from £3 billion to £50 billion within the next couple of years. And, as a bonus, lenders will enjoy an additional tax efficiency by way of the Personal Savings Allowance, meaning up to the first £1,000 in interest received on your P2P investment will be removed from income tax (dependent upon which tax bracket you fall into).

Is it right for me?

It’s important that prospective lenders do their homework, and ensure they study the ins and outs of each platform. After all, there is an element of risk with P2P, and it is vital that you are comfortable taking this on board before making an investment. What’s more, such an option should be a means of diversifying your portfolio, and bundling all of your money into it would be ill-advised.

However, the merits of the sector certainly make a strong case, especially in these times of low base rates and derisory returns on savings. Peer-to-peer lending offers an ideal midpoint for those fed up with poor returns, but not willing to accept the risks posed by putting money into stocks and shares.

Investment is a personal choice, and everyone has a different risk appetite, and different perceptions of risk and reward. But as peer-to-peer lending continues to make the shift from ‘alternative’ to the mainstream, it certainly appears to be something worth considering.

Food & Drink Health

Is Slimming World Worth the Money?

November 18, 2015 by

It’s common knowledge that a healthy diet and plenty of exercise is the key to losing weight. But as we all know, changing your diet can be a tricky thing to do, especially if you’re going it alone. For this reason, many people choose to join weight loss clubs in order to shed some pounds with the help of like-minded people.

However, if you’re on a tight budget, you may find yourself wondering whether these clubs are actually worth the money. As someone who first joined Slimming World member just over a year ago, I may be able to shed some light on this.

How much does Slimming World cost?

It usually costs £9.95 to become a Slimming World member. After that, each week you’ll have to pay £4.95 every time you attend a meeting.

However, you can often reduce the cost of the initial joining fee by tracking down a voucher or online discount code.

Many groups also offer members the chance to get 12 weeks for the price of 10.

It’s worth noting that if you ever miss a meeting, you will have to pay for that week upon your return.

How much weight could I lose?

I first joined Slimming World in October 2014. I started to notice a difference within the first couple of weeks of joining and within the first two months I managed to lose a stone without ever letting myself go hungry.

If I ever found my stomach rumbling, whether I was at home or work, I’d let myself eat something. There’s no point in starving yourself after all.

How easy is it to stick to?

Because the Slimming World diet is so flexible, it’s incredibly easy to stick to. In fact, I wouldn’t even call it a ‘diet’ as such. It’s more about changing your eating habits and living a more balanced lifestyle.

As a Slimming World member, you don’t have to count calories or weigh all your food. Instead, Slimming World is all about splitting certain types of food into categories, filling up on good stuff, and controlling the amount of bad stuff you eat. Bad stuff will have a ‘Syn’* value. You’re allowed 105 syns a week, and most people aim for 15 or less each day.

If you find yourself overindulging one day, there’s no need to panic. You simply make up for it over the next few days.

What can I eat?

You can eat pretty much anything. Slimming World is all about moderation. For me, a typical day sometimes looks like this:

Breakfast: A three egg omelette with chicken, chorizo, mushroom, peppers, and onion

Lunch: Huge jacket potato and cheese & a ham, lettuce, cucumber & tomato salad with a bit of salad dressing

Dinner: A fairly large portion of chilli and rice

Snacks: Mullerlight yogurt, banana, apple, pear

However, I like to mix things up as much as possible, and I can often be found tucking into delicious Thai green curries and sausage casseroles. At the weekend, I tend to have a trusty British fry up and an alcoholic beverage (or two).

The Slimming World website is packed full of recipes and there are also recipe books available at fair prices.

Is it worth the money?

Paying £5 a week to be a Slimming World member may seem like a lot of money. After all, it soon mounts up. However, if you’re keen to lose weight and adopt a healthier lifestyle, I really do think it’s worth it.

Besides, think about how much money you waste each week on unhealthy foods. I bet it’s at least £5 or above. For me, it was a hell of a lot more! Healthy eating has a reputation for being expensive, but if you cook from scratch and ensure nothing goes to waste, Slimming World can be really great value for money.

Here are just a few tips to get the most out of your membership.
1. Stay for group

2. Cook from scratch

3. Surround yourself with positive people

4. Get your friends and family involved

5. Believe in yourself

For more tips, take a look at my guide to getting great value for money from Slimming World.

Career Life & Style

How Volunteering at a Charity Shop Can Land You a Career in Social Media

November 15, 2015 by

With so much to do with such a small budget, charity shops are crying out for volunteers to help with everything from sorting through donations to operating the till. However, with charities now under increasing pressure to embrace the digital world, many are looking to volunteers to help them win over social media users.

If you’re friendly, creative and love social media, volunteering at a charity shop could help you to boost your CV and get your foot in the door of a fast-paced and exciting industry. Continue Reading

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