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		<title>Getting the Best Choices of Small Cars</title>
		<link>http://www.independenceuk.org.uk/getting-the-best-choices-of-small-cars/</link>
		<comments>http://www.independenceuk.org.uk/getting-the-best-choices-of-small-cars/#comments</comments>
		<pubDate>Fri, 10 May 2013 11:16:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1984</guid>
		<description><![CDATA[For people who are embarking on driving on UK roads, it is better to start with small cars. While many people love buying something that is big and easy to spot, the fact is that small cars have plenty to offer new drivers. These cars are also suitable for experienced drivers who want something that... <a href="http://www.independenceuk.org.uk/getting-the-best-choices-of-small-cars/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p><img class="alignleft size-thumbnail wp-image-1985" alt="car key" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/05/car-key-150x150.jpg" width="150" height="150" />For people who are embarking on driving on UK roads, it is better to start with small cars. While many people love buying something that is big and easy to spot, the fact is that small cars have plenty to offer new drivers. These cars are also suitable for experienced drivers who want something that is manageable on the road. Finding the right car among the best choices of UK small cars is paramount if one wants to get the best there is for their needs.</p>
<p>It is possible to find small cars that are meant for four people just as easily as it is to find small cars for just two people.There are many choices of small <a href="http://www.bristolstreet.co.uk/used-cars/">second hand cars</a> in the UK. It all boils down to preference. Anyone who wants additional seats would do well to go for the first option though, as opposed to the second. If one wants speed and freedom, the two-seater may come in handy.</p>
<p>Small cars are well known for their associated low costs. If money were a big issue, it would be better to select the car that has some of the lowest fuel consumption rates as well as Carbon dioxide emissions. There is a wide choice of small <a href="http://www.bristolstreet.co.uk">cars for sale</a> in the UK. Such cars will need very low insurance rates and are therefore affordable for most financially constrained people in the long term.</p>
<p>In the event of an accident involving a small car, the safety of the driver may be compromised. One must therefore select vehicles from companies that have the best safety record all round. The best choices of UK small cars are usually the ones that have undergone intensive crash tests and have emerged as leaders.</p>
<p>Any driver who gets to drive such vehicles will be assured of their well-being on any of the UK roads. It is therefore important for any driver looking to become the owner of a small car to select the best among the available leading brands so that they can find something suitable for his or her unique needs.</p>
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		<title>Places To Visit In Harnosand: Harnosand Attractions</title>
		<link>http://www.independenceuk.org.uk/places-to-visit-in-harnosand-harnosand-attractions/</link>
		<comments>http://www.independenceuk.org.uk/places-to-visit-in-harnosand-harnosand-attractions/#comments</comments>
		<pubDate>Fri, 10 May 2013 06:40:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attractions]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[harnosand attractions]]></category>
		<category><![CDATA[places to visit in harnosand]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1981</guid>
		<description><![CDATA[Harnosand in Sweden is a bewitching town with about 17,000 and more inhabitants. This harbor is often called the &#8216;Jewel&#8217; in the East coast of Sweden for its salubrious weather and scenic beauty. Sweden being one of the places considered the &#8216;Land of the Midnight Sun&#8217; summers can be fun and winters adventurous. Regarding passport... <a href="http://www.independenceuk.org.uk/places-to-visit-in-harnosand-harnosand-attractions/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p><img class="alignnone" alt="Places To Visit In Harnosand: Harnosand Attractions" src="http://www.digitalliberty.co.uk/wp-content/uploads/shutterstock_102817613.download.jpg" width="600" height="399" /></p>
<p>Harnosand in Sweden is a bewitching town with about 17,000 and more inhabitants. This harbor is often called the &#8216;Jewel&#8217; in the East coast of Sweden for its salubrious weather and scenic beauty. Sweden being one of the places considered the &#8216;Land of the Midnight Sun&#8217; summers can be fun and winters adventurous.</p>
<p>Regarding <b><a href="https://www.passport-uk.co.uk/">passport applications</a></b>, visitors visiting Sweden need to apply for a passport and will need an entry visa. Apart from a valid visa, you need other documents providing the nature of your visit. You will also need a medical insurance that is valid in the Schengen area and of course enough cash.</p>
<p>Harnosand is the place to spend a relaxed and quiet holiday. Below are some of the places to visit in picturesque Harnosand, which you&#8217;d relish!</p>
<p><b>The High Coast Bridge</b><br />
This bridge in the North of Harnosand, spanning about 2 kilometers of water, is considered to be &#8216;one of the longest suspension bridges in the world&#8217;! The construction was started in 1993 and completed somewhere in 1997! The Hornoberget Information Office that&#8217;s located on the Northern side of this bridge has an exhibition detailing the construction of this bridge. Striking for a pose with the bridge at the backdrop is what tourists love to do!</p>
<p><b>Harnosand Cathedral</b><br />
The white façade of this Cathedral stands simple and serene, amidst well-manicured lawns, offering recourse to the dispirited soul. It is supposed to be the smallest church in Sweden. Just where it stands today stood a stone church in the 16th century, which was incinerated by the Russian troops. In the 18th century, another church was built and this current one is its replacement, whose construction was completed in 1846. The church interiors are magnificent and some of the furniture date back to the 17th century! The most striking feature indoors is the baroque organ façade. Tourists can avail of guide tours which provide interesting tidbits about the history of the church. Concerts too are held here.</p>
<p><b>Hemso Fortress</b><br />
This fortress was supposed to be a top secret military base that was designed in such a way so as to put up more than 300 men during the cold war. The highlight here, are the underground bunkers for hiding soldiers. Within were things provided for the soldiers who had nothing lacking, so that they could focus only on defending their country against nuclear attack! The living space is still so well preserved, that you&#8217;d be transported to the times of war! Above this are the cannons, pillboxes etc. Present day restaurant and café too grace the place.</p>
<p><b>The County Museum of Vasternorrland</b><br />
A visit here is a must if you&#8217;d like to know the history of the place. There&#8217;re exhibits detailing Swedish history. There is a collection of handicrafts, paintings, textile, contemporary art, art that dates back to the Middle-Ages and a splendid collection of old rifles too.</p>
<p><b>Open Air Museum</b><br />
This Harnosand attraction merits a visit, because instead of the usual exhibits of weapons and art, this one showcases Sweden of yesteryears! There is an array of old Swedish cottages and farmhouses, depicting olden days! If travelling with young children, they&#8217;d find this very interesting. You&#8217;re instantly transported to another era!</p>
<p><b>Smitingen Beach</b><br />
For those who love the outdoors, Smitingen Beach is a lovely sandy beach located to the east of Harnosand. Given Sweden&#8217;s climate, this is the place to bask in the warmth of the sun!</p>
<p><b>Smitingen-Harnoklubbs Nature Reserve</b><br />
Plan a two day picnic with one day soaking in the beach and the next day visiting the Nature Reserve that&#8217;s close to the beach. Once you&#8217;ve swum in the waters, you can amble along the forested trails. The highlight here, are the tunnel caves which are naturally formed, and are found only in Scandinavia.</p>
<p>Skiing in winter is a favorite pastime. Playing golf in Harnosand Golf Club is a privileged. Harnosand Swimming Hall is the place to be not only for a swim, but also for a sauna, a gym workout and for golf.</p>
<p>Harnosand is the place where you&#8217;d be forgotten by the world and can forget the world and its mundaneness.</p>
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		<title>Planning the Perfect Staycation</title>
		<link>http://www.independenceuk.org.uk/planning-the-perfect-staycation/</link>
		<comments>http://www.independenceuk.org.uk/planning-the-perfect-staycation/#comments</comments>
		<pubDate>Tue, 30 Apr 2013 14:11:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Cotswolds]]></category>
		<category><![CDATA[staycation]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1975</guid>
		<description><![CDATA[I have a confession to make. I’ve never liked going abroad. I know what you’re going to say. I’m an unadventurous stick in the mud who doesn’t want to explore other countries and cultures. Seeing as my hobbies include paragliding and abseiling, that’s not why. Nor do I balk at tasting unusual food or speaking... <a href="http://www.independenceuk.org.uk/planning-the-perfect-staycation/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p><img class="alignleft size-medium wp-image-1976" alt="staycation castle" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/04/staycation-castle-300x191.jpg" width="300" height="191" />I have a confession to make. I’ve never liked going abroad.</p>
<p>I know what you’re going to say. I’m an unadventurous stick in the mud who doesn’t want to explore other countries and cultures. Seeing as my hobbies include paragliding and abseiling, that’s not why. Nor do I balk at tasting unusual food or speaking other languages, however badly. It’s just for all the time and expense, I generally end up with sunburn, a hole in my savings and a few photos which could frankly have been taken on the front at Morecambe. Why travel halfway across the world for that?</p>
<p>Until I met Josh, I worried I was a freak. Luckily he’s as blasé about Abroad as I am- and, what’s more, loves gallivanting around weird parts of the UK. A match made in heaven, or at least Glasgow! We’d been bouncing ideas for a staycation for a while. He likes camping, I like my creature comforts, so we’d bickered about that for a while. Then one afternoon he said something that changed everything.</p>
<p>“What about a motorhome?”</p>
<p>What indeed. I’d somehow convinced myself that you’d need all sorts of specialist training in order to drive one; in fact, all you need is an up to date driving licence. After a few hours’ research we hit upon <a href="http://www.tynevalleymotorhomes.com/search-page/results/field_motorhome_new_preowned%3A%22Preowned%22" target="_blank">Tyne Valley Motorhomes</a>, which provides pre-owned motorhomes at extremely reasonable prices. We quickly chose an Eddis Autoquest with barely any mileage; when it was delivered, they gave us a full demonstration. We hugged each other and danced around like loons once it dawned this was ours, that we could go pretty much anywhere we liked.</p>
<p>Where to, though? While a comparatively small country, the UK offers an enormous amount of variety in the way of roads, scenery and attractions. I think Josh still entertained hopes of cooking and sleeping out of doors- absolutely no way, as I’d made clear. Why do that when you had <a href="http://www.motorhomestopover.co.uk/" target="_blank">Motorhome Stopover UK, </a>who have five hundred sites dotted up and down the country? Started by a pub landlord and motorhome enthusiast, it means you no longer have to pay through the nose to stay overnight in a scrubby bit of field. A man after my own heart!</p>
<p>Once that was agreed upon, we planned out our itinerary. For a big hulking man, Josh can be surprisingly sensitive- he confessed that he’d always wanted to check out the Cotswolds, having glimpsed it once or twice in paintings or on TV but never actually been there. I leapt online (again!) and had a butcher’s at the official <a href="http://www.cotswolds.com" target="_blank">Cotswolds website</a>. I’d had this image of twee little villages, but there’s actually tons to see and do: a perfumery, the Motoring Museum and Toy Collection, palaces, caves and- we couldn’t resist this- the Go Ape Tree Top Adventure!</p>
<p>So that’s settled. When our friends come back grousing about lost bags and bratty kids, we’ll grin and reminiscence about the Cotswolds. Bliss!</p>
<p>&nbsp;</p>
<p><a href="http://www.independenceuk.org.uk/wp-content/uploads/2013/04/cotswolds-model-village.jpg"><img class="aligncenter size-medium wp-image-1977" alt="cotswolds model village" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/04/cotswolds-model-village-300x225.jpg" width="300" height="225" /></a></p>
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		<title>Video Of Grasmere, Lake District, Cumbria</title>
		<link>http://www.independenceuk.org.uk/video-of-grasmere-lake-district-cumbria/</link>
		<comments>http://www.independenceuk.org.uk/video-of-grasmere-lake-district-cumbria/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 07:45:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[CUMBRIA]]></category>
		<category><![CDATA[District]]></category>
		<category><![CDATA[Grasmere]]></category>
		<category><![CDATA[Lake]]></category>
		<category><![CDATA[Video]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/video-of-grasmere-lake-district-cumbria/</guid>
		<description><![CDATA[Grasmere is one of the smallest lakes in the English Lake District. It lies just south of the village of Grasmere and is fed and drained by the River Rothay&#8230;.]]></description>
				<content:encoded><![CDATA[<p>				<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/ejERGP9oftg?fs=1"></param><param name="allowFullScreen" value="true"></param>
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<p>Grasmere is one of the smallest lakes in the English Lake District. It lies just south of the village of Grasmere and is fed and drained by the River Rothay&#8230;.</p>
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		<title>Art Museums</title>
		<link>http://www.independenceuk.org.uk/art-museums/</link>
		<comments>http://www.independenceuk.org.uk/art-museums/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 07:45:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Videos]]></category>
		<category><![CDATA[Museums]]></category>

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		<description><![CDATA[Visiting an art museum stereotype, I Hate Valentine&#8217;s Day movie.]]></description>
				<content:encoded><![CDATA[<p>				<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/hYHLYZ4gmzg?fs=1"></param><param name="allowFullScreen" value="true"></param>
				<embed src="http://www.youtube.com/v/hYHLYZ4gmzg?fs=1&#038;rel=0" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></p>
<p>Visiting an art museum stereotype, I Hate Valentine&#8217;s Day movie.</p>
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		<title>Top 5 UK Jobs That Can Ruin Your Teeth</title>
		<link>http://www.independenceuk.org.uk/top-5-uk-jobs-that-can-ruin-your-teeth/</link>
		<comments>http://www.independenceuk.org.uk/top-5-uk-jobs-that-can-ruin-your-teeth/#comments</comments>
		<pubDate>Thu, 04 Apr 2013 15:24:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[dental health]]></category>
		<category><![CDATA[teeth staining]]></category>
		<category><![CDATA[tooth erosion]]></category>
		<category><![CDATA[UK jobs]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1963</guid>
		<description><![CDATA[The teeth are made of strong stuff, but they are not unbreakable and there are many things you can do to increase your risk of suffering from damage and decay, from snacking between meals and indulging in sweet treats, to neglecting your teeth cleaning regime and using your mouth as a bottle opener. Your job... <a href="http://www.independenceuk.org.uk/top-5-uk-jobs-that-can-ruin-your-teeth/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p>The teeth are made of strong stuff, but they are not unbreakable and there are many things you can do to increase your risk of suffering from damage and decay, from snacking between meals and indulging in sweet treats, to neglecting your teeth cleaning regime and using your mouth as a bottle opener. Your job may also increase your risk of dental problems; here are 5 jobs in the UK that may ruin your teeth:</p>
<p>&nbsp;</p>
<h2>1.      Bartender</h2>
<p>If you work in a bar, you may be tempted to treat yourself to a drink or two along the way; whether this is alcoholic or not, the likelihood is that you will be consuming sugary drinks throughout the day. Sipping on sugary drinks increases the risk of acid erosion, which gradually destroys the protective tooth enamel. You can reduce your risk of acid erosion by sticking to water or sugar-free drinks when you are at work.</p>
<p>&nbsp;</p>
<h2>2.      Shift workers</h2>
<p>Shift working can affect your dental health because it often means that you eat at antisocial hours of the day and try to stay awake by drinking sugary drinks and drinks that contain a lot of caffeine, such as coffee. Eating around the clock means that your teeth are under constant attack, which weakens the enamel and increases the risk of damage to the enamel. Drinking sugary drinks also increases the risk of decay and gum disease and drinking coffee on a regular basis can stain the teeth.</p>
<p>&nbsp;</p>
<h2>3.      Athlete</h2>
<p>Many athletes use sports drinks to spur them on and give them extra energy during training sessions; however, research studies have shown that these drinks are very harmful for the teeth. Sports drinks are acidic and they contain a lot of sugar, which causes bacteria in the mouth to produce plaque acids, which erode the tooth enamel.</p>
<p>&nbsp;</p>
<h2>4.      Shop assistant</h2>
<p>If you work in a shop that sells confectionary, cakes or other sugary delights, you may be tempted to give in to temptation and graze throughout the day. Sugary foods are a nightmare for the teeth and eating them on a regular basis increases your risk of cavities and gum disease. If you are having a treat, make sure you eat it at mealtimes, rather than between meals.</p>
<p>&nbsp;</p>
<h2>5.      Wine tasting</h2>
<p>If you work in the wine industry, this involves tasting a lot of wine, which may be great news for your taste buds, but is definitely not good news for your teeth. Wine is very acidic, which is harmful for the tooth enamel and drinking wine on a regular basis can also contribute to discolouration and staining, which affect the aesthetic of your smile. If this happens and you live in the North West then you may want to find a <a href="http://www.smilestylist.co.uk/">Manchester based cosmetic dentist</a>.</p>
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		<title>Top 5 Destinations For Backpackers In UK</title>
		<link>http://www.independenceuk.org.uk/top-5-destinations-for-backpackers-in-uk/</link>
		<comments>http://www.independenceuk.org.uk/top-5-destinations-for-backpackers-in-uk/#comments</comments>
		<pubDate>Wed, 03 Apr 2013 10:15:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[destinations for backpackers]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1958</guid>
		<description><![CDATA[The United Kingdom is full of spectacular scenery and has some excellent travel opportunities to suit all levels from casual sightseer or historical buff to avid walker or adventure seeker. Of course, London needs no introduction as one of the world&#8217;s most visited cities, but once you leave the capital there are so many more... <a href="http://www.independenceuk.org.uk/top-5-destinations-for-backpackers-in-uk/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p><a href="http://www.independenceuk.org.uk/wp-content/uploads/2013/04/Top-5-Destinations-For-Backpackers-In-UK.jpg"><img class="alignleft  wp-image-1959" alt="Top 5 Destinations For Backpackers In UK" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/04/Top-5-Destinations-For-Backpackers-In-UK-190x300.jpg" width="190" height="250" /></a> The United Kingdom is full of spectacular scenery and has some excellent travel opportunities to suit all levels from casual sightseer or historical buff to avid walker or adventure seeker. Of course, London needs no introduction as one of the world&#8217;s most visited cities, but once you leave the capital there are so many more things to do. It&#8217;s easy to get drawn in by London but the UK is steeped in a rich historical and cultural heritage; with monuments from pre-historic to Roman all the way up to modern marvels. What follows are the top 5 destinations for backpackers or visitors to the UK.</p>
<p>1. Bath: Famous for its Roman baths, hence the name, the city of Bath is built from distinctive grey hued sandstone that gives it a uniform appearance that is unmistakable. Being only a few hours from London by public transport Bath can get very busy, especially in the summer months, but justifiably so. Besides the baths, which can be visited, there is the Royal Crescent, a large arc of terraced houses which are now a museum and a hotel as well as numerous street performers and cafes, pubs and restaurants.</p>
<p>Nearby Bristol, a similarly historical city, albeit a little less picturesque is also worth a visit for its boutique shopping and excellent nightlife.</p>
<p>2. Edinburgh: Capital of Scotland and amongst the most picturesque towns in the UK with its castle sitting on a hill overlooking the city, Edinburgh is a massive draw for tourists to the UK. In the late summer Edinburgh hosts the fringe festival where comedy, theatre and the creative arts overrun the city for almost a month. At this time accommodation is at a premium and the city becomes awash with not just tourists but creative types making for some excellent free entertainment alongside the paid options. Outside of the fringe there are plenty of options for eating and drinking and enjoying some Scottish hospitality as well as excellent nightlife. Local culinary delights include haggis, which can be found everywhere and of course plenty of Scotch whisky.</p>
<p>Edinburgh makes an excellent springboard into the rest of Scotland, with the spectacular Highlands reachable by public transport or hire car. Glasgow, Scotland&#8217;s largest city with a character of its own lies an hour down the road by any method of transport.</p>
<p>3. York and the Yorkshire Dales: York is the ancient capital of England and lies among the beautiful Yorkshire dales, of Bronte sisters fame. York itself is a small and picturesque city with plenty of attractions, not least the famous cathedral as well as numerous museums and restaurants, ancient buildings and cobbled streets. The Yorkshire dales offer excellent hiking as well as beautiful little villages and towns with character of their own, all accessed easily from York.</p>
<p>4. Northern Ireland: Long maligned by the brutal civil strife, Northern Ireland is becoming more and more recognised as the excellent tourist attraction it is. Belfast itself is a lively city with plenty of shopping, global cuisine and welcoming Irish pubs. Leaving Belfast, no visit to Ulster is complete without a trip to the Giant&#8217;s Causeway, a unique geological formation of hexagonal rocks jutting out into the Atlantic Ocean. For whisky fans a visit to the nearby Bushmills distillery is also a must. 2013 also sees Derry (also known as Londonderry but best to just call it Derry!) become the European City of culture promising lots of cultural events, making this an excellent time to visit Northern Ireland.</p>
<p>5. Devon and Cornwall. The south west peninsula of the UK is where the British go to holiday at home, with spectacular beaches, rolling moorland and plenty of options for adventure. Cornwall, made famous by writers Daphne DuMaurier and Rosamund Pilcher, has miles of sandy beaches and craggy cliffs dotted with old mine stacks while Devon has Dartmoor and spectacular beaches of its own.</p>
<p>The region is known across Europe and the world as a surfing mecca, with the surfing hub in Newquay which also hosts a lively nightlife scene. Visitors often stop in St Ives, a popular haunt for artists, the Eden Project near St Austell or Falmouth in Cornwall &#8211; or in Devon, Exeter is a lively university city with a cathedral to rival York. For food, the south west is famous for its high quality fish and chips as well as being home to the Cornish pasty.</p>
<p>Visitors to the UK from outside Europe will need valid passports with 6 months validity, so ensure you complete your <b><a href="https://www.passport-uk.co.uk/">passport application</a></b> in good time if you need a UK visa. It is worth remembering that passport application can take longer than expected as most passports are now biometric, meaning they contain a computer chip with information on the passport holder.</p>
<p>The UK hosts so many sights it can be difficult to cram everything into one visit although it is small enough to make a very busy trip &#8211; Stonehenge, the mountains of Scotland or Wales, the cities of Liverpool or Manchester are all worthy of a little of your time. Indeed with excellent travel links, although a little expensive, the only real problem is want to stay longer&#8230;</p>
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		<title>ISAs are a proud British tradition</title>
		<link>http://www.independenceuk.org.uk/isas-are-a-proud-british-tradition/</link>
		<comments>http://www.independenceuk.org.uk/isas-are-a-proud-british-tradition/#comments</comments>
		<pubDate>Mon, 25 Mar 2013 01:00:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[UK Finance]]></category>
		<category><![CDATA[Bank ISA]]></category>
		<category><![CDATA[Finance UK]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[ISA's UK]]></category>
		<category><![CDATA[UK finance]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1953</guid>
		<description><![CDATA[In the midst of the financial crisis, everyone is struggling to find the best ways to invest their money so that it produces good returns and it is also safe of the markets&#8217; volatility. In the UK, ISAs (Individual Savings Accounts) provide the most convenient option for people to collect tax-free savings. ISAs were introduced... <a href="http://www.independenceuk.org.uk/isas-are-a-proud-british-tradition/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p>In the midst of the financial crisis, everyone is struggling to find the best ways to invest their money so that it produces good returns and it is also safe of the markets&#8217; volatility. In the UK, ISAs (Individual Savings Accounts) provide the most convenient option for people to collect tax-free savings. ISAs were introduced in 1999 and replaced two older savings products. <a href="http://www.halifax.co.uk/isas/"><b>An ISA is British</b></a> in the sense that only British residents can sign up for it.</p>
<p><a href="http://www.independenceuk.org.uk/wp-content/uploads/2013/03/Finance-ISA.jpg"><img class="size-medium wp-image-1954 alignright" alt="Finance-ISA" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/03/Finance-ISA-300x200.jpg" width="300" height="200" /></a></p>
<p><b>How ISAs work?</b></p>
<p>ISAs work on a yearly basis. Each UK resident is given a set amount of tax-free allowance by the government. This is the maximum amount that people can use to subscribe for ISAs each year. The initial allowance was £ 7, 000 in 1999, and now it has been increased to £11,520 for the 2013/14 tax year. Currently, you are allowed to subscribe up to half of your allowance (£760) into cash ISA and the remaining amount into an investment ISA. There is no limitation on investment ISAs meaning that you can use the full amount on investments, but in that case, you cannot subscribe for a cash ISA.</p>
<p><b>What types of ISAs are available?</b></p>
<p>There are three types of ISAs: cash, investment, and junior ISAs (the latest being introduced in 2011).</p>
<p><b>Cash ISAs</b></p>
<p>Cash ISAs are flexible deposits. People can withdraw the subscribed cash any time, however, after withdrawal; the amount cannot be put back without losing from your subscription limit. You can open only one cash ISA at a bank or building society per financial year. You have the option to &#8220;transfer-in&#8221; previous years&#8217; savings into new cash ISA each year. Therefore, you can collect years of savings in one account. So, if you get a higher interest rate this year compared to your previous year, it is advisable to transfer in your previous year&#8217;s savings into this year&#8217;s account. All banks can help you with that process because you cannot withdraw and re-deposit the amount (by that, you would lose all your tax-free allowance).</p>
<p><b>Investment ISAs</b></p>
<p>Investment ISAs are more complex. Based on your investment plan, you can buy stocks, shares, or investment funds in an investment ISA. Since these products can greatly vary, it is advisable to consult an independent financial adviser before making a decision. Most funds fall into three categories: equity funds which predominantly contain equities and shares, fixed-income funds which contain government bonds and money-market funds which provide short-term but fixed gains.</p>
<p><b>Junior ISAs</b></p>
<p>Newly introduced junior ISA is targeted at parents who want to save up for their children. These accounts work just like normal ISAs, but the child&#8217;s parents manage the account until the child turns 18. Both cash and investment ISAs can be junior ISAs. Currently, parents can subscribe up to Å3,600 per tax-year to a junior ISA.</p>
<p><b>Expected returns</b></p>
<p>Cash ISAs return couple of per cent above the base-rate (currently around 2.5-3% per year), while junior ISAs offer higher interest on cash savings (up to 5-6%). Investment ISAs return money based on how the chosen investment performed. The amount in certain years can be negative if a high-risk portfolio is managed.</p>
<p><b>What to look out for?</b></p>
<p>As mentioned above, it is not advisable to withdraw money from ISAs. The money cannot be re-deposited without losing from your allowance for your given tax-year.</p>
<p>Having an ISA is British tradition as most people have one since it helps in avoiding capital gains tax. The government also supports this saving method as it increases people&#8217;s savings by the time they retire.</p>
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		<title>Amazing Places to Visit with Your Kids</title>
		<link>http://www.independenceuk.org.uk/amazing-places-to-visit-with-your-kids/</link>
		<comments>http://www.independenceuk.org.uk/amazing-places-to-visit-with-your-kids/#comments</comments>
		<pubDate>Wed, 13 Mar 2013 11:26:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Attractions]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[child support phone number]]></category>
		<category><![CDATA[csa phone number child support agency]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1949</guid>
		<description><![CDATA[Give your kids some wonderful experiences this holiday season. Take them on a vacation to a famous tourist attraction and provide them a reason to proudly boast to their friends about their experiences. Alnwick Castle: This 900 year old residence of Duke of Northumberland is hugely popular, as it is extensively shown in the Harry... <a href="http://www.independenceuk.org.uk/amazing-places-to-visit-with-your-kids/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p>Give your kids some wonderful experiences this holiday season. Take them on a vacation to a famous tourist attraction and provide them a reason to proudly boast to their friends about their experiences.</p>
<p><b>Alnwick Castle: </b>This 900 year old residence of Duke of Northumberland is hugely popular, as it is extensively shown in the Harry Potter film series. The setting looks as if it is cut out of a picture book. Your kids can try their hand at Knight’s Quest where they can dress up as knights and participate in sword fighting. The castle is located in a beautiful spot beside river ‘Aln’ near the hillside and the town Alnwick to its south.</p>
<p><b>Chester Zoo: </b>This spectacular zoo showcases over 11,000 animals and is spread over 110 acres. With 1.4 million people visiting it each year, it is the largest of its kind in UK. The great aspect of this zoo is that almost half of the animal species here are endangered. So, it will be an ideal place to show your kids not only the beauty of nature, but also the importance of saving it.</p>
<p><b>National Space Centre: </b>It is a visitor attraction dedicated to astronomy. Built in Leicester beside the ‘River Soar’, it consists of 6 main galleries that showcase space equipment and several other tourist attractions belonging to space flight and astronomy. If you think that your kids love space science, this is the best educational experience you can ever give them.</p>
<p><b>King Arthur’s Labyrinth: </b>Located in the heart of Southern Snowdonia Mountains, this exotic location lets you make an underground adventure. You will sail across a waterfall guided by a boatman traversing tunnels and caverns. Listen to the legendary stories of King Arthur and enjoy the underground weather.</p>
<p><b>Bewilderwood</b>: It is a family adventure park located in Horning, Norfolk. Being a wild place with tree houses and several interesting characters, it is a mysterious land of unusual creatures that you will never see elsewhere in the world.</p>
<p><b>Deep Sea World: </b>Popularly dubbed as ‘Scotland’s Shark Capital’, it houses more than 2,000 aquatic creatures. It is famous for its collection of sharks apart from the piranhas, seals and other magnificent sea creatures. Your kids will cherish the experience of walking through one of the largest underwater tunnels in the world.</p>
<p>Some people can easily afford such exotic holidays. But for some, it is even difficult to provide the basic amenities to their children. If you think that you are unable to provide your kid with basic necessities due to low income, call the  <a href="http://www.childsupportguide.co.uk/">CSA Phone Number Child Support Agency </a> to know if you are eligible for child support benefits provided by the government.</p>
<p><b>Author bio</b>: Hi, I am Sophie Samuel from Edinburgh. I am a travel agent who loves to write articles about famous tourist attractions.</p>
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		<title>Writer&#8217;s Cure at the Lakes!</title>
		<link>http://www.independenceuk.org.uk/writers-cure-at-the-lakes/</link>
		<comments>http://www.independenceuk.org.uk/writers-cure-at-the-lakes/#comments</comments>
		<pubDate>Mon, 18 Feb 2013 12:59:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Lake District]]></category>
		<category><![CDATA[lake district]]></category>
		<category><![CDATA[writing holiday]]></category>

		<guid isPermaLink="false">http://www.independenceuk.org.uk/?p=1944</guid>
		<description><![CDATA[As any writer can tell you, there are few things as debilitating as writer’s block. Other people try to give you well meaning advice- “Write and see what happens,” “You can catch up on your reading,” “It’s an excuse made by bad writers” (thanks for that, sister dear!), but nothing works. When you get stuck,... <a href="http://www.independenceuk.org.uk/writers-cure-at-the-lakes/" rel="nofollow">Read More</a>]]></description>
				<content:encoded><![CDATA[<p><a href="http://www.independenceuk.org.uk/wp-content/uploads/2013/02/peterrabbit.jpg"><img class="alignleft size-medium wp-image-1945" alt="peterrabbit" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/02/peterrabbit-300x260.jpg" width="265" height="229" /></a>As any writer can tell you, there are few things as debilitating as writer’s block. Other people try to give you well meaning advice- “Write and see what happens,” “You can catch up on your reading,” “It’s an excuse made by bad writers” (thanks for that, sister dear!), but nothing works. When you get stuck, you’re well and truly stuck.</p>
<p>Which is when it’s time for a distraction.</p>
<p>I’ll make no bones about it: I passionately love the Lake District. Our holidays spent in a little railway cottage were the happiest of my life, with or without our terrible performance at Eurovision (we generally took our holidays that time of year). If anywhere was designed to get me unblocked, the Lakes was it.</p>
<p>So, in typical spontaneous fashion, I booked a week off last year, with no goal other than to soak up the scenery and write. It might seem a curious choice of location, my story being a sci fi romance, but who said everything penned in or around the Lake District had to be all moon-ing and June-ing? Val McDermid and Richard Adams have set novels here- as far from cute and fluffy as you can get.</p>
<p>My original plan was to see if the cottages of my childhood were available, but my other half Liz wasn’t having any of that. One of her friends had recently come back from her honeymoon; she was singing the praises of the Grange Hotel, one of the best four star <a href="http://www.grange-hotel.co.uk/" target="_blank">hotels in the Lake District</a>. If we were really going to go along with this crazy scheme, we should do it in comfort. When Liz learned that her hero Bill Bryson had stayed there, she was sold. I strongly suspect she expected to bump into him in the lobby but, alas, no such thing happened!</p>
<p>I made it my mission to see as much as I could during the five days of my stay. Now I didn’t have Mum insisting that we should see as many celebrity graves as possible, the emphasis was on life and creation. I am a reader, Liz is a doer- we organised the itinerary along those lines.</p>
<p>Call me sentimental, but I have an abiding fondness of Beatrix Potter, with her delinquent squirrels and featherbrained ducks. The World of Beatrix Potter had never been open when we swung by in the past, so I decided to make good on a fourteen year old promise. Whether you’re six or sixty six, it’s worth a look; I didn’t care that we were the oldest adults there. To book your visit, go to <a href="http://www.hop-skip-jump.com/index.php" target="_blank">http://www.hop-skip-jump.com/index.php</a>.</p>
<p>Indeed, bearing in mind the nature of my quest, I followed the trail of many of the area’s greats, whether the Lake Poets (Dove Cottage is a must see for anybody with an interest in literature) or decidedly strange Renaissance man John Ruskin. It came as no surprise to discover that the author of <i>Postman Pat</i> had lived in the area- indeed, Liz and I burst into a rousing chorus of the theme song as we drove along a windy hill. Instead of gawping, a bunch of locals trudging up the hill waved. They must hear it all the time!</p>
<p>I don’t want you to think the whole trip was this rarefied. You don’t throw yourself amongst the UK’s finest scenery to sit at the wheel of a car; we swapped our usual sedentary lifestyle for plenty of walking and- shock of shocks!- I managed to get Liz onto a horse. The organisers were astonishingly patient with a pair of scaredy cats like us. Indeed, if you ever want to indulge in outdoor sports in the region, I thoroughly recommend <a href="http://www.lakesactivities.co.uk/activities.htm" target="_blank">Activities in Lakeland</a>.  I wouldn’t have minded canoeing but Liz paled and shook her head.</p>
<p>You can’t possibly visit the area without sailing upon their namesake. We’d paid a few passing trips to Windermere over the years (once our chips were stolen by swans), now we finally had a cruise on one of its world famous steamers. Our cameras are chockfull of photos, soon to be uploaded to a computer near you &#8230; be very afraid!</p>
<p>On day three, the miracle happened. I’d been loosening up all day- Lakes air has a wonderfully calming effect on most people- but the instant we reached our hotel, I dashed for pen and paper and started to write. I didn’t even mind that it was accompanied by the strains of Englebert Humperdinck trying and failing to win Eurovision for the UK &#8230; no change there!</p>
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<p><a href="http://www.independenceuk.org.uk/wp-content/uploads/2013/02/Lake-Windermere.jpg"><img class="aligncenter size-medium wp-image-1946" alt="Polaroid PDC 4350" src="http://www.independenceuk.org.uk/wp-content/uploads/2013/02/Lake-Windermere-300x225.jpg" width="408" height="291" /></a></p>
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