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How savvy are you when it comes to your credit? Are you a figures whizz, confidently sailing the high seas of The Bank of Englands Base rate or are you a little unsure and fearful of loans and all that money stuff? During these tumultuous times with Brexit alongside looming interest rate hikes, it’s probably a good idea to have a little read up on the fact and more important figures if you’re not familiar with how all this may affect you.

It’s always good to be in the know, especially when it comes to your finances and I’ve found a little test that can help you out. Sunny Loans have brought out a ‘Do you know your finances’ Quizz and I’ve just managed to get 5/7 on it so I suppose I’m not doing too badly. I’ll be honest though, a few were good guesses as I am terrible at maths!

It’s really important to have an idea of how credit works and how it can both positively and adversely affect your life. I still have no idea why this is not taught in schools. If you have a mortgage, for example, a small increase in interest of just a few points of a per cent can make quite a large difference on monthly and yearly outgoings.

Similarly, if you take out a loan and intend to pay it back quickly you still potentially pay an awful lot just for the months you have it out, depending on both the APR and whether there are early repayment fees (watch out for these, they are a right pain!).

After we all borrowed a bit too much before the last crash borrowing is creeping up again and that’s fine so long as it’s managed correctly and you don’t borrow beyond your means!

Remember, sometimes it may be better to save for an item, buying it once you have all the money, rather than buying it first with credit and actually paying much more for it later. I don’t know about you but I hate it when the monthly payments mount up, ravaging your bank balance before you even start the month! I feel we often have it the wrong way around these days and can be too impatient to get what we want. Remember, every item you get will be eclipsed by the need for the next soon enough so let a couple go and your bank balance will thank you for it.

Give the quiz it a go now and see how clued up you are. If you need to have a little brush up on money matters each question you get wrong comes with an explainer so if you don’t already know, you’ll learn. And if you know it all already well then, you can be smug.

Adaptive, progressive and ever-changing are three words that sum up the capital nicely. And nothing reflects its all-embracing nature than the fashion of its dwellers.

Whether it’s the sleek suits of Kings Road or the indie look of Camden, its distinct character runs through the outfits of all who call it home.

Thanks to its style versatility, curating the perfect wardrobe for this fast-paced city couldn’t be easier. All you need is the right style guide. That’s where we come in.

Peruse our tips and you’ll achieve the London look in no time.

Remember That Comfort Is Key

Long gone are the days when fashion refused to include comfort. These days, most style experts and leading fashionistas alike are quick to highlight the value of clothes that look and feel good. Similarly, when it comes to what we wear, practicality is key.

With this in mind, remember items and accessories that are necessary for all situations, like waterproof jackets and watches.

When it comes to securing chic and reliability in the latter, for example, look to brands like Henry London, and you could curate a city-centric wardrobe that guarantees comfort, functionality and charm.

Identify Your Favourite Type of London Style

Yes, there isn’t just one kind of “London Look”. In fact, there are several. That’s why its worth exploring the different kinds to identify which one suits you best.

To ensure that you choose the right style, consider aspects like the principal items – such as jackets and shoe wear – and the intended effect of each movement.

East End Hipsters, Sleek Sloaneys and Just-Out-Of-Town Bloggers are apparently all leaders in the London fashion scene. But what do these terms actually mean? Research is paramount for understanding current trends in the capital and to starting off your wardrobe on the right foot.

Don’t Just Follow the Crowd

The capital is special to you for subjective reasons - so why not create a wardrobe that reflects your personal connection to it?

Once you’ve roamed its fashion trends, use your selected few for inspiration when developing your own unique London look. To pinpoint what exactly draws you to this vibrant place, why not produce a mood board on what it means to you?

What’s more, sporting clothes and accessories that are bespoke to your personality could enhance your enjoyment of the capital even further, meaning a happier life spent there.

So, when it comes to curating your wardrobe, don’t just stick to one specific movement or style – design your own.

Creating your ideal wardrobe for the capital needn’t be difficult. And with our guide, you can curate a set of outfits that illustrate what made you fall in love with the city in the first place. So, what’s to stop you from making your own distinct London look?

Traditional bingo halls have been around for more than a century and they continue to attract people of all backgrounds worldwide. The main reason for why this lottery-themed game is so popular is that it brings people together in a relaxed environment which encourages social interactions. Compared to other forms of gambling it is far less competitive and doesn’t pit players against each other, as most casino games do. At the same time, bingo players can win real money with a small investment, which is always appealing.

Players from all walks of life can be found in bingo parlors and in recent years many of them chose to make the transition to online bingo. They are brought together by the shared passion for a simple, yet exciting game whose outcome is determined exclusively by chance. No previous experience is needed and players don’t need a gambling bankroll to enjoy a quality bingo session. The tiny price of tickets, as well as the fact that gambling addiction isn’t a threat to bingo players further enhances its popularity. Even in countries where most forms of gambling are prohibited, bingo games are generally tolerated.

Online Bingo Celebrates the Game’s Social Nature

Bingo isn’t exactly a challenging game, so players can easily keep track of the numbers while enjoying a pleasant conversation. In land-based bingo parlors, people can interact directly, while patiently waiting for the next number to be called. When somebody finally wins, a new game starts right away, so the other players have a new opportunity to cash in. Because of the manner in which the game is played, the small stakes and the high frequency of winners, players actually celebrate the victory of their peers.

Online casinos were quick to add bingo to their collections of slots, table games and video pokers. Initially, the game didn’t generate too much traction, mainly because Internet operators failed to realize the importance of its social component. When people were given the tools to interact with each other, in the form of chat rooms, the number of players spiked. You will now find bingo games on a whole list of casino sites. Modern online bingo rooms provide players with the means to talk to each other during the game, through community and private channels.

Play for Free and Win Real Cash

One of the things that differentiate bingo players from their counterparts who prefer slots, card games and pokers is the low appetite for risk. The vast majority of those who enjoy this game are risk-averse players who simply seek an entertaining way of spending their free time. They are more interested in games that provide them with the means to interact with strangers, while having fun. Bingo tickets cost less than a dollar and at many online casinos, it is possible to play the game for free. Many operators run freerolls, which are tournaments that anyone can join without spending a dime. They enjoy the same features and gameplay that have made the social game of bingo so popular and have a chance to win real cash.

Fire Risk Assessment- This is an assessment method that helps evaluate the possibility of fire breaking out in a building or premises. It is conducted by evaluating all the activities in the said premises that can trigger the occurrence of fire. Every building that is used by many people should have a fire risk assessment.

As a business owner or the building owner, you have a legal obligation to ensure that fire safety measures are put in place. This assessment should be carried out by experts from a reputable and certified company such as the London fire risk assessments . Here are reasons why you should conduct fire risk assessment:

  1. It is a legal Requirement

The law requires all businesses to have a mandatory fire risk assessment. All the employees should undergo the basic fire safety training. The fire risk assessment should be updated regularly. A 12-month interval from the last assessment.

  1. Identify Fire Risks

There are always fire risks in our premises and this keep changing from time to time. There are papers, oxygen tanks, chemicals used for cleaning and other fuel. The assessment will help identify any gases in the building that can possibly trigger fire. Based on these findings, you can now take the necessary precautions and prepare an emergency plan.

  1. Prevent Loss of Life

The aftermath of fire accidents is devastating. People lose their lives while others are left with fatal injuries. Mostly, when a fire breaks out in a building, people are confused and do not know what to do. When a fire risk assessment is done, people can have an evacuation plan and can detect fire emergency early and save themselves. It ensures everybody in the building is protected, should a fire break out.

  1. Prevent Loss of Property and Business

When a fire risk is detected, it will be contained early before causing much damage. Early damage limitation can be put in place to reduce the spread of fire. This will minimize the damage to the property and the destruction of your business.

  1. Maintenance and Servicing

During the fire risk assessment, the fire equipment in the building will be checked to ensure they are in proper working condition. The fire expert can replace or service the faulty equipment. They should always remain in proper working condition. Additionally, regular checking enables you save money. Instead of replacing the whole fire system, you can just replace and repair the faulty ones.

  1. Instils Confidence At Work Place

People are confident working in a building where they are assured of their safety. Fire risk assessment gives the people using the premises that kind of confidence. The vulnerable people, such as those confined on wheelchairs, children, sick or pregnant are confident that they will be safely evacuated in case of anything.

For any commercial building owners that are serious about the fire safety of the premises, they must ensure to carry out a fire risk assessment. It prevents death, destruction, and losses. You will know what to do in case fire breaks out.

The fashion gods have pleased once more, with the catwalk filled with perfect pieces we can’t wait to fill our wardrobes within 2019. Whether you are looking for a complete style transformation or are after a few key pieces to revamp your look, there are tonnes of beautiful buys to choose from. Here are our favourite trends for the year ahead.

Pleats to Please

Pleats made a comeback last year, and we’re happy to tell you that they’re not going anywhere. This year, you’ll find intricately designed micro-pleats that are much tighter than before. This creates a beautifully flowing silhouette that is flattering for any figure. If you want to work this trend into your wardrobe, opt for a midi-length skirt that you can dress up for evenings or dress down for the office. It will become your wardrobe staple before you know it.

Tie-Dye to Die For

The patterned print is back. Does the thought of tie-dye take your mind back to your younger years? Give into the nostalgia by taking on this trend in 2019. If your style is more subdued, opt for a two-tone tie-dye maxi dress for the summer in blue or yellow shades. For those of you brave enough to go bold, you can take inspiration from the catwalks and invest in a matching two-piece.  

Fabulous Fringing

Did I hear a yee-hah?! One of our favourite trends for 2019 is fringing. We’re super excited about this trend because it is so versatile and can be achieved in a variety of ways. Why not opt for a beautiful bag with fringe detailing, a cowboy inspired jacket, or a fringed skirt? There is no right or wrong way to nail this trend, so experiment!

Burst of Sunshine

For those of you who loved the copper colours that filled our wardrobes last summer, have no fear, they’re here to stay! Red, coppers and sunshine yellow are still big in the fashion world, and we couldn’t be happier. Try pairing wardrobe staples such as a tote bag, leather boots and jeans with a copper coloured jacket to incorporate this trend expertly into your wardrobe.

Polished Tailoring

Think sharp silhouettes. Expertly tailored lines. A perfectly polished look. That’s the beauty of the tailoring trend – it is the ultimate smart and professional style that women of all shapes and sizes can rock with confidence. Try a pair of tailored trousers with a crisp white shirt and a belt to synch you in at the waist.