Your car has a lot of chances of being stolen or being involved in a crash, so having as much security features as possible for your car is very beneficial to you. With pay per mile car insurance, you obtain additional security features in that there is the installation of a tracking device to your car when you agree to the policy; this will help the insurance agents to bill you according to the number of distance that you cover. This is also a great means for the agency to keep track of the distance that is being covered per month as well as adds to your security and that of the agency.

The tracking device is placed in an area of your car that is way impossible for any thief to locate and disable and if it happens that your car is stolen, it can be easily tracked down. This means that you will benefit from a lower insurance premium as the company can be assured that if the car is stolen, it will be retrieved. While this will definitely lower your risk profile, there are still some other risks that can be associated to a stolen vehicle. Thieves may damage the car when it is stolen, or take goods found in your car or remove parts off the vehicle; for this reason it is advised to install an immobilizer and a gear lock to reduce burglary risks. You may find that insuring your sound system or other goods in your car as a good idea.

There is still a small fee that you have to pay for in terms of burglary risks associated with your car so that the insurance agency will be covered if your car is stolen and they have to retrieve it. You also have to remember that sometimes the car cannot be located or it can be damaged beyond repair.
It can thus be seen that pay as you drive adds a lot of security features to your car. If you happen to be interested in pay as you drive insurance, you will see that agents of the South African insurance companies are very friendly and helpful and will help you in clearing out any ideas that are not clear to you regarding the insurance policy.

Fees
The fee would be around £4,000 but an EPC would be £175 as it included loads of other things as well as a premium listing upgrade. We have an existing one so that wasn’t needed and there are not many houses on their books so we didn’t need a premium listing either. Solicitor’s fees were around £1,000 and there is nothing to pay if you pull out of the contract as long as you don’t sell the property after leaving them and within the contracted period. The estate agent wasn’t pushy, listened to us at all times and told us everything we needed to know in terms of selling quickly. She was very laid back but knew what she was talking about and never once fobbed us off. It’s worth doing a little research so you understand ahead when an estate agent comes round so you don’t get tricked into purchasing things you don’t need etc.

Well when we decided to go ahead we go our very first viewing the next evening which was a Friday, then over the weekend we had 7 or so one after another. At first it was great but as you show people round and find out more about them I came to find that none were suitable for our house. Haart does not screen people that want to view a house they just give them the address and send them over. I was a little disappointed because I did say that I needed to sell quickly with no messing about.

We have no bath as we decided it was not needed, instead we have a shower cubicle, they sent round heavily pregnant people, those who were thinking of starting a family and fat people that would not even fit. They also sent round people who were new to the market and had no clue what they were looking for. In all we were very tired and disappointed.

Just when we decided to pull out of the contract with Haart we received an offer, this was just two weeks after we put the house on the market. Of course we negotiated on the price and finally agreed and that was that.

Haart are good but just don’t take their word for anything, you can never trust an estate agent. Also do not buy their EPC package as it’s a waste of money, if a house was sold before 2003 then an EPC already exists and can be retrieved at a nominal fee (less than £10 is reasonable) otherwise you will pay £60 for a new one when it is not needed. Also do not go with their solicitors, they are not reliable at all.

It’s always important to shop around as you may save hundreds just by taking the time to do so, to sell my 3 bedroom house the quotes ranged from £700 to £1,200 including VAT. Obviously it is tempting to go with the cheapest but that isn’t necessarily the wisest choice. As we were leaving to live abroad we needed a reliable conveyance and also one that wasn’t too expensive. Also if the sale was to not go through you still need to pay.

Haart solicitors operate a ‘no sale, no fee’ guarantee and as we already lost some money on the sale of the house we decided to go ahead just in case we lose more money. You have to pay a £60 admin fee and if the sale doesn’t go through that is all you will lose, you won’t have to pay a penny more. Unfortunately it is very misleading and this is how it really works.

Haart solicitors / conveyances
When you ‘go’ with Haarts’ solicitors you are actually paying Haart a £60 admin fee to find a solicitor / conveyance for you and none of that £60 goes to the conveyance. Also as our quotes was £750 only £300 of that actually goes to the conveyancing team, the remainder £450 goes to Haart. So on top of paying Haart £4000 when the house sells they actually get more money if you go with ‘their’ conveyancing team.

It is also misleading as there are other charges to pay, it is supposed to be all inclusive for money transferring, title deeds name transfer, land registry checks etc but it not and these charges will be added on to the supposedly ‘all inclusive’ fee.

They are very slow to start the process too as we had to fax the starter pack twice and then post it, in all we have lost around a month because of lack of organisation and poor estate agents who haven’t a clue what they are doing.

So if you do decide to go with them be aware that there are ‘hidden’ charges and also you may find that the whole process is up to 2 months longer than most other places.

The one thing I don’t like about Avon is no matter how much you spend you still need to pay delivery, most places nowadays offer free delivery if you spend over a certain amount but Avon doesn’t no matter how much you spend. Free delivery is always an incentive for buying but with Avon their standard delivery charge is £3.50 no matter how much you spend. I know it doesn’t seem like a lot but if you only need a few items and it comes up to a mere £20 then adding £3.50 to that doesn’t really seem worth it.

Avon free delivery
Of course you can always contact your local representative and have them deliver it for you free of charge but I find that they are not always reliable and delivery can take weeks in some cases. Also I have had problems with free gifts that are also supposed to come with certain products, they are not always guaranteed through your local Avon representative. Ordering online is easier and also stock is guaranteed.

Avon poor delivery service

On the last few occasions that I have ordered Avon products I have found that the box that it all arrives in is damaged completely, not a squashed box but ripped open. When I called them and complained they said that there was nothing they can do! The call centre is in India so beware, then customer service said to check the box and if anything was missing they would replace it free of charge. I had ordered £200 worth of Avon products, I was very tempted to call and say half of the items were missing but then I was afraid that Karma would come and bite me in the bum so I didn’t. Looking back if I had the time I would have tried my luck but I am very disappointed in Avon for not taking action.

Also Avon does not let you order more than £200 worth of goods at a time if you go over you need to call customer service. I know it seems like a lot of money but I order for my mum and other family members so we don’t all have to pay the delivery charge, plus I am A-List member and get many products cheaper than those who are not. One of the Avon moisturisers that my mum uses is £25 so buying a day cream plus a night cream already costs £50 it’s very easy to spend £100 without realising especially when you are tempted with so many offers.

Well an agent came round yesterday and even after explaining when I called for them to come round that we needed the house to sell fast he still asked ‘so we need to establish why I’m here’ I was like duh to sell the house! I told him I had already explained this and he jotted it all down, then he took more details before walking round the house to ‘value’ value the property. Like I said we need to sell fast and now not next week or next month. Before he told us the value he talked us through the process blah blah blah and said ‘well I can sell by Christmas’ I was like CHRISTMAS!!! That’s 10 weeks away, on top of that he’s going on holiday for a few weeks and we all know what that means. I am not being unreasonable when I say this house needs to sell now, if the price is right it will sell fast. He then said he can ‘guarantee’ the house to be sold in 4 weeks, well that is by far too long.

Well anyway he valued the house far too high and we know that it would never sell so we were like hmmm then he said we ‘we’ll push for 15k lower than that’ which still was too high. Looking at the properties selling right now there are bigger and better houses for the price he ‘valued’ the house at. Well on top of that he was just really pushy and not taking into account anything we said.

Fees
On top of all that the estate agent fees were 2% that he then lowered to 1.75% that was £5,000 for sole agency fees and a whopping £10,000 for the multiple agency fees. Also he offered the EPC for around £50 and solicitor fees for £1,000. Then he was like ok you want to sign the contract then, we were like whoa we need to read the contract so he was a little taken back. I did find this strange who signs something without reading the contract first? Well on top of this he wanted us to sign the opt out option that applies to the ‘7 day cooling off period’ that we are entitled to. He was very strange, he was so sure that we would use him as the house was through Connells the first time. We said we’d read it and get back to him. He then got up and started measuring up the rooms thinking he was so in there, what a plonker. There is also a £125 fee you need to pay them if you do decide to break the contract; this is a marketing fee that they pay to advertise the property so if you pull out at any time you need to pay this.

When we asked if there were any penalties to pulling out of the contract if we change our minds he said no, we asked this as we may need to leave suddenly without selling but he then said ‘well leave the keys and we’ll do the rest’ then when the paperwork was done we just need to fly back and sign. We were shocked and said no when leave we won’t be coming back soon!

He called us the next day and we told him that we were waiting on a few other agents to value the property; he was very surprised to say the least. Well we decided to go with Haart instead as we found that they weren’t pushy and listed to us and what we were looking for in term of an agent to sell the house quickly.

So if you do decide to go with Connells then beware and get another quote, their fees are far too high to Haart’s were approximately £1,000 cheaper and every penny counts!

After much research we decided to purchase Summer Infant Baby Touch touch-screen Digital Video Monitor, it didn’t come cheap we paid around £170 for it but there were other places charging as much as £250 for the same thing. Some of the features it has are: zoom and pan, temperature indicator, a large LCD colour screen, two way talk back, wireless and the ability to add additional cameras.

We have found the picture quality to be amazing! My daughter usually has a dummy when she goes to bed and when it falls out she can get upset sometimes with the monitor you can clearly see when it has fallen out, the sound control is good too, can be turned up or down to suit or you can see the lights indicator on the unit when movement is detected.

Now that we have a video monitor I don’t think we could ever settle on a sound one instead, of course features vary depending on the make and model so it’s good to know what you want beforehand as some also have the ability to take pictures but I don’t the quality would be any good. Summer Infant also have fantastic customer service as I had a problem with another product of theirs and they sent me a replacement free of charge!

In my opinion this monitor is fantastic if you can afford it otherwise you can get it second and cheaper on eBay, it is definitely a must for all parents.

Willows farm
We recently went to Willows farm before the weather decided to act up, it was a lovely sunny day when my partner and I decided we should go for it. We took along our four month old daughter as we thought it would be a nice family day out. First of all entry for adults cost £12.50 and children over two cost £13.50, a day trip for a family of four costs a whopping £77! Then when you get to the entrance there are signs for ‘animal feed’, although it costs a mere 50p for a small cup you may be tempted to buy more than one cup each as there are many animals that need feeding.

As you enter there is a small indoor farmyard favourites area with small animals such as piglets, goats, rabbits, guinea pigs, chickens etc, it’s fairly small and can get crowded at times. Be careful as most children have used up all their animal feed by this time. As you continue there are stables that consist of just two horses! It can get so busy that people are lining up just for a glimpse of them, there are various other animals that can be fed around the ‘farm’ such as cows, donkeys, goats sheep, reindeers and wallabies. What was disappointing is that young children couldn’t reach to feed most animals so it wasn’t much of a farm!

There is an abundance of children’s play areas such as swings, slides, ball games, trampolines and more but this was mostly for older children aged 5+, older children seemed to enjoy the so called farm but for younger children there wasn’t much to entertain them with. It is very commercialised and not at all like an actual farm.

I will not go back there and advise all families to steer clear there are far cheaper and real working farms out there that accept visitors for a small and reasonable fee. £77 for a family of four to visit what I can only describe as a park is just a rip off!

Parking St Albans City campus
Well as my course starts at 7pm it shouldn’t be too much of a problem so I called up the college and they said that I could use the pay and display car park on site if there was room, they said they didn’t know about the off road parking nearby. Well you can park for free after 6.30pm on Bricket Road and the nearby roads, the campus car park costs £1.20 for 4 hours and whilst I understand that it is a bargain I don’t like having to pay for a service that I won’t need for the duration, I only need parking for 2 hours.

Well St Peters Road is the road that the college is situated on; the day that I went for my test run I stupidly forgot to check if I could park there. Well the first day that my course started I found that it was fine to park there are 6pm every evening. So lucky for me I do not need to pay £1.20 when the road opposite is perfectly fine.

So I’m glad I didn’t listen to the people at Oaklands when they said to use the car park because over the duration of my course Oaklands would pocket nearly £50 in parking alone! I would like to point out that many people do park on the campus car park and it does get full up pretty quick, strange I know. Saying this St Peter’s Road also gets full but there are many other roads that are fine to park on after 6-6.30 pm.

So for all you evening students out there that need to park near St Albans City campus, save yourself some money and time by parking close by without having to spend a penny!

Pampers Baby Dry size 3 review
After reading some reviews they seemed ok and thought that it was worth buying so when I saw them on offer I went for it, I got two jumbo boxes of Pamper Baby Dry in size 3. The first few times my daughter wore them I noticed that they would bulge after her wearing it for a short period of time of an hour or less. I was constantly changing her! On closer inspection her nappy was nowhere near full but reacts to moisture so they always look full. The previous Pampers I bought were new Baby and had different absorbent material known as dry max and this one is Baby Dry. Disappointed that I still had hundreds to go through I decided to try Pampers active fit instead.

Instead of buying a big economy box of nappies like I usually do I decided to buy a small box instead just to ‘try’ it. At first they seem to be really thin so I was a little worried but my daughter only takes a 3-4 ounce bottle so I doubt that her nappies will ever leak. After the first time I tried Pampers Active Fit size 3 it was fantastic! No more bulges and no more constant nappy changes.

So I have come to the conclusion that Pampers new Baby and Active Fit use Dry Max and Baby Dry is completely different. They react to moisture too intensely so you feel that your baby is sitting in a full wet nappy when in fact in most cases the opposite is true.

I prefer Active Fit and will stick to these in future but many people have found that they are too thin and leak at night but as my daughter doesn’t drink much anyway they suit her fine. For those that have babies that drink a lot then Baby Dry is probably best suited for night time. Baby Dry did in fact keep my daughter dry as I checked her in the morning and found that you couldn’t feel any wetness in the absorbent part.

So for those people that have the same problem as I did with Baby Dry switch to Active Fit it is by far the best I have tried so far!

Undersea walk
Indeed, this is a reality in Mauritius. Being one of the few places in the world that offers such an activity, a number of excursion operators can be contacted to enjoy a walk under the Indian Ocean. The walk is suitable for people as from 7years old and the ability to swim is not even necessary. To walk on the seafloor, a clear helmet, called an Aqua+ helmet, is placed on the shoulders covering only the head thus allowing visits of the underwater marine world of bright fishes and coral reefs; you may even get the chance to hand feed the fishes making this an opportunity not to miss when planning your holidays to Mauritius.

Subscooter
This brightly colored machine looks like the kind of gadget that James Bond would flaunt around in Mauritius. The subscooter, a hybrid of scooter and submarine, takes you 3 meters down for 30 minutes and allows you to pay a visit to ocean life. This excursion is chaperoned by expert guides and is suitable for non swimmers too. While you ride on the machine with your head covered with a plastic bubble, marine life is divulged to you.

Blue safari submarine
If you want to explore the underwater world around Mauritius but do not want to get all wet, the blue safari submarine trip is ideal for you. Sit back in a comfortable air conditioned room for an hour and enjoy the beauties of marine life all around you. The submarine takes you around up to depths of 30 meters where you can catch a glimpse of the wreck of the Star Hope and amazing coral reefs. This kind of excursion is proposed only in ten countries in the world, so if you are coming to Mauritius, take the time to check it out.

Snorkeling
Given the rich marine life of brightly colored fishes and coral reefs around Mauritius, snorkeling is a very rewarding experience with most hotels loaning out snorkeling equipments. The best side of Mauritius for snorkeling is without a doubt in the south east in the blue bay marine park. Though Mauritius has a number of shallow lagoons that are easily accessible, they do not provide such interesting marine life.

Getting scuba certified is very easy as most of the luxury hotels in Mauritius propose scuba lessons. The north of the island is a very common place for scuba diving and it is used a lot by diving centers and hotels as practice area. More advanced divers can go for more adventurous dives around coral reefs, ship wrecks, pinnacle, Whale Rock or the submerged crater at Ile Ronde.

Mauritius thus proposes a wide range of underwater activities for all tastes but if it does happen that you get bored of the marine life, the island proposes a number of interesting land activities as well.