Oxkits Sponsorship

Oxkits.co.uk would like to welcome our first sponsor who will be helping towards the upkeep of the junior team.

This will be the 2017 sponsor & altho they are not local to us, they are a close friend to the juniors and any help is greatly appreciated. We promised to introduce them & give a little bit of information about Ashleigh Mortgages

Ashleigh Mortgages

Ashleighs are mortgage brokers who provide services to anyone looking to secure a mortgage. www.ashleighmortgages.co.uk/mortgage-broker-brighton.htm

So my first question was what is a mortgage broker? what do you do?

Basically, a mortgage broker is a representative for who is licensed to provide mortgage advice & broker mortgage deals ashleigh mortgages is a Brighton mortgage broker. Their function is very similar to that of an insurance broker. A bank representative that works in one particular lending institution is employed by that bank and is aware of every mortgage product that their bank offers. Therefore, when you go into your bank for a mortgage the representative analyses your situation and chooses the best product their bank offers for your needs. Mortgage brokers act as agents for all Canadian banks, Credit Unions, Trust Companies, finance companies and individual private lenders. Subsequently, when you visit a mortgage broker for mortgage financing they analyse your specific situation and choose the best product from one of the 50 Canadian lending institutions at their disposal.

In Ontario, mortgage brokers are educated professionals who are licensed and regulated by the Financial Services Commission of Ontario (FSCO). FSCO is merely one of the government agencies that monitor the business practices of mortgage brokers, each province has an agency that provides the same service to Canadians. As a result, these agencies certify that Canadians are being given reliable protection, a thorough comprehension of mortgage products, and a standard of service to meet their individual needs.

So, how exactly will you benefit by using a mortgage broker?

Save time: Many people try to shop around their own mortgage by travelling to the 5-6 major Canadian retail banks, which can be very time-consuming. A mortgage broker will meet you where it’s convenient for you and they will shop your mortgage for you saving you a lot of valuable time.

Credit Score: One of the most important considerations for Canadians when shopping around at different banks is their credit score. Each time you go to a bank and apply for a mortgage, they will make a credit inquiry, too many inquiries will negatively affect your credit score. A mortgage broker only requests one credit inquiry and then forwards that to the banks they are shopping.

Save Money: Many people are under the false assumption that it is expensive to use a mortgage broker. In fact, most brokers do not charge any fees because they are paid by the banking institutions for bringing them in business. That’s the best part, you receive unbiased advice about your mortgage and it doesn’t cost you any money.

Best Rates: Using a mortgage broker guarantees you that you will get the best rates available, independent mortgage agents rely on repeat business so they do not play games, they always find their clients the best rates possible. Additionally, as a reward for bringing them millions of dollars per year in business, many banks will offer special rates only available to mortgage brokers for their clients.

Fast Approvals: Usually, a mortgage broker will have your mortgage approved within 24 hours, at the very best interest rates. Even if the retail banks do approve a person’s mortgage fast, it can sometimes take weeks to negotiate them down to their best rate.

Feel At Ease: A mortgage agent will take the time to explain the entire process to the mortgagee, this is especially comforting for first-time homebuyers. They will take the time to explain all of the terms and conditions of a mortgage commitment so there are no surprises later. They will usually present more than one option for clients, and be able to explain the differences between each bank, this will help consumers make educated choices about which banks they would rather use.

Where will your next mortgage financing experience be?

Today, it is no longer necessary for Canadians to place their trust blindly in their bank for their mortgages. There is now a vast amount of information available to consumers, with all of the available information it is advantageous for consumers to use the services of a Canadian mortgage broker to help them analyse which products will best suit their needs. Canadians should realise that by using a mortgage broker they are not choosing between a broker and their bank. A mortgage broker can place your mortgage with your bank if that’s what you ultimately decide. What should you ask yourself though is if you are a client at TD Bank do think the bank representative will tell you if Scotia bank has a better interest rate? Your mortgage broker will.

 

 

MyHermes

United Kingdom

Contacting MyHermes

If you need to speak with MyHermes regarding a delivery you can call there customers services, it is ideal if you have a tracking id that you keep this to hand as no doubtibly they will be askign you for this which will just save the time & hassle when it comes to it, you can find the Myhermes contact number contactmyhermes.strikingly.com you can alwyas contact them on twitter also.

In the UK, Hermes processes 200 million parcels each year. The company operates a network of nearly 10,000 independent couriers that provide doorstep delivery. Through this network, Hermes provides delivery services to many online retailers in the UK, including Next Directory, ASOS, Tesco, John Lewis, Debenhams, Arcadia Group and ASDA

In September 2013, Hermes was named the Best Mail/Home Delivery Solution provider at the ECMOD Direct Commerce Awards.

In 2014, the company was named as the second worst parcel delivery services in the UK by a consumer survey, with 30% of customers rating their experience as “bad”.

In January 2014, Hermes confirmed that the 2013 peak period was its busiest to date. During December 2013, the company processed 21 million parcels, whilst recording a first-time delivery rate of 98% for its standard service – up 2.6% on the previous year.

myHermes

Hermes also owns myHermes, which was launched in 2009. myHermes provides a delivery and collection service for SMEs and members of the public via doorstep collection and its “myHermes ParcelShops”. There are currently more than 3,500 ParcelShops across the UK, based in local supermarkets, petrol stations and shopping centres. In 2014, Hermes signed a partnership agreement with Payzone to launch 1,000 myHermes ParcelShops in Payzone outlets

British Gas Flood Light Cost

As a multi-billion pound business with eye-watering £86 million player transfers and £5.5 billion TV rights deals, it is easy to forget about the more mundane business energy prices associated with running a Premier League football club – such as lighting the pitch.

Keeping the lights on

The Premier League handbook is strict on the lighting levels required stating a stadium’s floodlights must produce at least 500 lux at any location on a 120m x 90m pitch to meet the demands of evening matches, television broadcasters, players and spectators.

According to Thorn Lighting People, four 25-metre columns with a total of 48 lamps, each shining at 2kW, should provide the Premier League with a lighting standard.

Football shirt 1Each column has a combined power of 96kW. If they’re on for 3.5 hours per match, they will use 1,344kWh energy.

Football shirt 2Stadium floodlights have the equivalent power of 5,485 standard 0.07kW tube lights in an office.

Football shirt 3If a small office uses tube lights with a total power of 1.26kW, the floodlights will use the same business energy as 18 left on for 44 days straight.

Football shirt 4If the floodlights were on for 8 hours straight, it is the equivalent to the same office lights being on for around 128 days.

Lighting the stars could build cars

One club’s floodlight power during a match could:

KettleBoil a 2kW kettle for a month

SnowflakeChill food in a 3kW catering refrigerator for 18 days

PrinterPower a 3.5kW photocopier non-stop for 16 days

Imagine what could be done with a whopping 510,720kWh of power used by all clubs across 380 matches in the season – for example, it takes 20,000 million joules (5,555kWh) to make and build a car. Therefore the Premier League’s combined floodlight energy for a season could produce 92 cars!

Cost

Electricity costs 15.32p per kWh, so the cost of lighting one football match is £205. Over a season a club will play 19 home games and use 25,536kWh energy in floodlights at a cost of £3,912. With over 380 matches across the entire league, this price balloons to a massive £78,242.

– See more at: http://www.britishgas.co.uk/business/blog/how-much-do-floodlights-cost-clubs/#sthash.MQCimxFH.dpuf

Contact Information : British Gas Contact Number

What are the Changes this 1st of July About Call Charges?

Not all calls made are cost-free. If you’ll be calling to 08 numbers, there is no need to for you to be anxious because the price will be clear to you. Gone were the days when you don’t have any idea regarding the price of your phone call. This has been feasible by the guidelines that “Ofcom” has made.

Service Numbers
Most people make calls to ‘service numbers’ everyday. With this, it’s just right for them to know the precise fee they should spend. Thankfully, this will effectively begin on July 1, 2015. Before making a call, callers will know how much they’ll pay for it. And on your bill, the ‘service charge’ and also the ‘access charge’ will be clearly indicated.

Access Charge + Service Charge = Total Call Cost
The difference between the ‘access charge’ and the ‘service charge’ is that the former goes to your phone service provider while the latter is set by the company you’re contacting. FREE-to-Phone from both landline and also mobile is exactly what 0800 & 0808 FREEPHONE all about. Let’s take a closer look at the figures.

Current Call Costs
0800 & 0808 = For landlines, it is free of charge. But to some mobiles, it may take some charges. 7p-40p/min is the typical charge.

01 & 02 (geographic numbers) = There will be a call set-up fee that should be compensated besides 9p/min for landlines and 8p-40p/min for mobiles.

03 = Unlike 0800 & 0808, these are included in free mobiles and landline offers. These will just cost about 01 or 02. (0370 number cost)

0845 = It will cost you 5p-40p/min for cellular phone users. A set-up payment along with 1p-12p/min will be paid by landline users.

0870 = Apart from the set-up fee, mobile costs 5p-40p/min while 10p/min for the landlines.

0871/2/3 = For mobiles, 5p-40p/min is the fee. For landlines, 11p-15p/min is the fee along with a set-up charge.

09 = 9p, and £1.69 is the typical fee for each minute. But in some landline service providers, £2.95 every minute is the fee. Moreover, 75p up to £3 every minute is the expected cost for mobile users.

118 = For landline and mobile users, anticipate a one-off charge from 50p up to £4. Furthermore, an additional fee of up to £5 per minute should be paid.

With all these charges, it will surely be hard for you to remember them all. This is the reason Ofcom is innovating a clearer way of displaying the charges for your calls.

Calling all businesses.
If you’re a business owner, it is crucial that you’re fully mindful of what the approaching Ofcom legislation will imply to you, particularly if you make use of a 08, 09 or 118 number. Making use of these numbers requires you to follow some vital steps that are:

Step 1. You should take the time knowing the effects of the changes to your company. Discussing it with your phone number service provider is recommended.

Step 2. Know the authenticity of all the charges. Asking the TCP will be beneficial.

Step 3. Consider changing your phone number(s) if you found out that the costs are unfair enough.

Step 4. Try to check if all the call charges are still suitable and available by doing some research. However, Ofcom advised everybody to remember this:

‘Calls cost up [or XP per minute] plus your phone company’s access charge’.

How to get the money for a new kit if your on benefits

The concept of loans extends back to the mists of energy, and reams of historical documents exist which go back millenia. But the oldest available records might be found in Assyria and Babylonia where farmers and traders ingested grain loans from the merchants of times.

In Europe, it had been during the 13th century when lending has been around since as churches understood the financial benefits associated with revenue such as interest.

The Evolution of Loans

The practice of lending evolved at the center ages if your ways of borrowing money was seeing rapid changes. The Indentured loan would be a way that was practiced on the middle ages throughout the seventeenth century by which money was borrowed for choosing land or perhaps a house. But there was clearly some unscrupulous lenders who inflated the debt or interest rates, leading towards the borrower effectively starting to be a slave.

Banking Loans

It was over the time of indentured loans that some lenders recognized value of repeat custom and were mixed up in the practice of sustainable lending. In Italy, stalls were positioned in local markets that served to lend money with a certain interest as loan along with the borrower was expected to pay back the borrowed many at certain intervals. It is this practice that become the modern concept of loans available by banks. The word “Bank” itself is produced by “banca” that has been the place where trading was conducted with the money lenders. The problem using the earlier system of loans was that there was different rates that were charged from the lenders and that have been not governed by any central authority.

In the presentation of not making enough money, the loan originator would smash his bench (“bank rupta”) and went for a few other job. The modern “bankruptcy” comes from this early practice, though having a different implication.

Modern Banking Loans

Nowadays, money lending features a greater control by some central authority (banks or financial authority) as money lenders are regulated by these authorities high are little chances of losing your kneecaps into a unscrupulous lenders.

Types of Loans

Here are short descriptions within the types of loans that happen to be prevalent today.

Secured Loans

When a secured loan is taken, the borrower has an asset as collateral. This asset may very well be your house, car, pet tortoise or regardless of the bank considers sufficient enough to service the debt in the presentation of the borrower failing to repay. This type is usual during purchasing of a house or even a car.

Unsecured Loans

Unlike the secured type, the unsecured lending will not be secured against your assets and since part of protection higher interest levels are allotted to this type of loans. Some examples of the type include:

· Personal loans

· Credit cards

· Bonds (issued by corporations)

· Overdrafts on the bank account

Demand Loans

This type of home loan is offered as unsecured, though however, it can be secured. No fixed repayment dates exist along with the interest rates also vary. The term Demand Loans originated because the financial institution can ask any time for repayment.

Concessional Loans

In this loan, a person’s eye rate charged is normally below industry rate. The concessional loans can be obtained by governments to poorer countries, though many financial organizations offer its employees this benefit.

Source: http://callsky.co.uk/sky-contact-number

Oxford United – a brief history

Oxford_United_FC.svgThe beginnings:
This club started in 1893 as an amateur club which was called Headington. That was a village team known locally as “the boys from over the hill. Headington merged with neighbors Headington Quarry in 1911, and became the new club going under the name Headington United. In 1921 the club moved from Junior to Senior football, and joined in the Oxfordshire Senior League. United were still a tiny set up and after the Second World War and in 1947, United joined in the Spartan League. In 1949 this club became a semi-professional unit and it was elected to the Southern League.
The guy named Harry Thompson set about the task of transforming United into one of non-league’s major forces because he was appointed manager The side won the first of its Southern League Championships by 1953 and reached the Fourth Round of the FA Cup in 1954 by beating League clubs Stockport County and Millwall.
With one of the most modern stands for that era, determined ground developments were undertaken at The Manor. In expectation when League football would be seen at the ground – The Stand of Beech Road was being erected in expectation of that day.
In January 1959, the appointment of the former Birmingham City manager Arthur Turner as manager, it was another turning point in the club’s history. And in 1960 the club’s name was
changed to Oxford United, to appeal to the whole city and increase national recognition. Turner guided United to two more Southern League titles. In 1962 when Accrington Stanley folded, Oxford United was chosen to the Fourth Division of the Football League.

united-oxford_1637978c
The Football League
This was just the start of the club’s ambitions and development. The careful planning continued and Turner had the distinction of leading Oxford United into the 6th round of the FA Cup in 1964.
Presence figure for The Manor set a record at the 6th round match against Preston. An amazing 22,750 crowded into the ground for the game against the earlier beaten finalists of the season.
Only one year later Oxford was about to move from Fourth Division into the Third Division when the club founded itself in Third Division for two years when they won the Championship.
Ron Atkinson was under the captaincy of the team.
After 8 successive seasons in Division Two Oxford United were demoted at the end of the season in 1975/76 for the first time in their whole history. Precarious financial and poor results a
position followed. Two managers (Bill Asprey and Mick Brown) came and went. In January 1982 Robert Maxwell (millionaire publisher) was the guy who has saved the club from
bankruptcy.

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So, this is a brief history of this team. As you already know, Oxford United are still playing, and have a lot of fans. And maybe you are among them. Still, this is one great club, with a long history and with very good players. Nothing else to say, only Go Oxford United!