Naturalization-Applying For Britsh Citizenship

To live in UK and to have a British citizenship is what most people dream of. British citizenship has lots of advantages such as the migrants get the same status as that of the UK-born citizens. Moreover they also get the opportunity to work in banks, public services along with complete security. Once you become a British citizen you can freely settle down in the country and avail numerous benefits like you get the right of living permanently in UK, you can also vote in UK national elections, become eligible for a UK passport, can purchase property, open a bank account, and lots more. Moreover the citizenship helps the migrants in strengthening the emotional bond with the UK. In case you are planning to apply for British citizenship then it is mandatory to have sufficient knowledge about Life in the UK and also it is mandatory to clear the British Citizenship test.

You need to clear the Life in the UK Citizenship test in order to become a British citizen. It is a compulsory test that is required by the Home office. On the internet you can find out several websites that offer practice tests. You can practice for the Life in the UK test from the sample papers offered by the reliable and trusted websites. You can obtain information and an idea of the real test by solving the practice test papers. Generally the tests are based on the official Home office handbook 'Life in the United Kingdom: A Journey to Citizenship'. It contains chapter numbers 2, 3, 4, 5, 6 covering topics on the life, culture and practices of the UK, etc which gives the readers complete knowledge about the Life of the UK. It is advisable to read the latest edition. In order to get help with your application you can also take the help of a solicitor who has a deep knowledge, appropriate skills and is a specialist in the immigration law.

As it has been made necessary by the UK government that anyone who is applying for indefinite leave to remain in the UK or applying for naturalization as a British citizen should have a complete knowledge of the English language and therefore it is imperative to clear the ESOL program with citizenship course. The duration of the course is short and there are institutes that offer flexible classes. With the help of the ESOL course your English language improves a lot. Basically the ESOL program includes the study of phonics, working upon pronunciation, listening, reading and writing, vocabulary, grammar, etc. The training and test is only in speaking and listening. In case the candidate's English level is below entry level 3 then it is necessary to take and pass a course in ESOL at Entry 1, 2 or 3 levels with citizenship context. But if it is level 3 or above then in that case you can take the Life in the UK test before submitting your application for citizenship. Thus UK has so much to offer to all those individuals who desire to study, work and settle down in United Kingdom.

Renting cars in UK easily and cheaply

If you were making in excess of 10,000 car rental bookings a year with a car rental company you would be expecting a discount from the standard rate. This is how car rental brokers operate. They use the combined business of all their customers to negotiate preferential rates. They then pass the savings on to their customers.

The broker will add his commission to the rate, but you will find that you will be still saving on the prices offered when dealing with the car rental company directly.

Car rental companies operate on a supply and demand basis. The busier they are prices will rise. If it is quiet the prices come down. Car rental is a seasonal business and prices normally start to climb the nearer you get to the summer months or other holiday periods like Christmas and Easter. When it is quiet the prices will come down, however the level they come down to will be similar to the rate available through a broker all year round.

There are other advantages to using a broker.

They will often have accounts with more than one car rental company. Depending on your needs they will be able to offer you the company that best meets your requirements.

Many of the brokers have a website which will allow you to book online 24 hours a day from anywhere in the world.

They can often get cars when the car rental locations are nearing capacity and have stopped selling to the public.

Prices,terms and conditions can vary.

Some will take a full payment up front and charge you a substantial amount if you cancel. Others take only a partial prepayment and do not charge you if you cancel.

You may be able to find brokers who have extras included in the booking for example a free additional driver.

In conclusion, if you want to save money on car rental, it is worth checking out the rates available through car rental brokers.

Mortgages Guide for UK First Time Buyers

A mortgage is a special type of loan that allows a first time buyer to borrow a seemly ridiculous amount of money towards the purchase of a house. However, mortgages make home ownership possible for the masses. As a first time buyer, I know that mortgages can be extremely confusing. Firstly, there are fixed, variable and interest only mortgages. Then there are so many options from so many lenders. Let us start by explaining the three different types of mortgage.

Repayment Mortgages

The first two types of mortgage are repayment mortgages. They are called repayment mortgages because you repay both the interest and the amount you borrow. Repayment mortgages are the most common choice amongst first time buyers.

Fixed Rate

A fixed rate mortgage has an interest rate that stays the same for the length of the arrangement. This option is for the risk averse. Getting a fixed rate mortgage allows you to plan your finances for the length of the arrangement because you will know your exact repayment each month.

The downside to fixed rate mortgages is that 1) they are only fixed for a period of time and 2) they generally have a higher rate of interest than a variable rate mortgage.

Variable Rate

A variable rate mortgage has an interest rate that varies for the length of the loan. Interest rates can go up as well as down and they are generally dictated by the Bank of England base rate. If you are economics expert and you feel that interest rates will go down, you may decide that this is the best option. If you are not an economics expert, we think it's best to seek independent advice.

Due to the added risk of a variable rate mortgage, the interest rate is generally lower than that of the equivalent fixed rate deal.

Interest Only Mortgages

An interest only mortgage is where you only pay the interest on the amount that you owe to the lender. Under this arrangement, you are not actually paying back the money that you have borrowed (only the interest) but there are special cases when you might want this kind of mortgage.

If you can invest your spare money in something that grows in value, you should be able to pay-off the mortgage when needed.

Other Types of Mortgages

You may come across mortgages that combine some form of investment with one of the above mortgage types - such an investment may be an endowment or an ISA. It is best to check the terms and conditions of a mortgage, whether it is unique to a lender or otherwise.

Conclusion

If you are still in doubt about mortgages, we recommend that you seek help from an independent financial advisor.

Do You want to move houses?Get best moving company

Moving your belongings from one location to another is not only tedious but a tough job, particularly if you have bundles of stuffs to shift. The entire process involves packing up of your things, hiring of vehicles for relocating your belongings, loading and unloading things and several other related tasks, all of them being time-devouring making you worried and tensed. But now-a-days, several moving and packing companies have cropped up here and there to assist you in the affair of relocating your belongings from one place to another. Just contact a moving and packing company and turn your relocation or shifting hassle-free and easy.

Suppose you are shifting your residence. In this instance, it is not always possible to carry all the heavy belongings, furniture and furnishings to your new home on your own. Moreover, immense care is necessary to make a safe and secure shifting. In that case, it is best to call on movers and packers or seek professional home-shifting services who are masters in handling and relocation of household goods. You can also take assistance for office/corporate and all other types of shifting from the movers and packers.

Movers and Packers are experts in packing all your valuable belongings, even the fragile ones. They take additional care to pack your goods in wooden or metal drums, high-quality cartons, gunny bags and wooden crates. They even use thermocol for the shifting purposes.

There are myriads of movers and packers operating in Chicago, but all of them are not experienced and well-acclaimed. Thus, it is tough for you to choose the best movers and packers from the huge crowd.

Here are tips to assist you in the task of selecting the best and most dependable movers and packers when you need to relocate your house or office or other associated services from a specific location to another.

You need to intensely check several moving and packing companies before selecting one. Go through the following tips for getting guidance for selecting the best and right mover and packer.

Gather Information about the reputed local movers and packers
The first thing that you need to do before hiring a particular moving and packing company is to gather information about certain well-acclaimed service providers in your region. Speak to your friends, acquaintances, co-workers for their recommendations regarding the selection of movers and packers. You can also resort to the Internet for getting information about the reliable movers and packers in your locality.

Visit some of the local moving and packing companies in person
After gathering information about the local moving and packing companies, you can visit their offices, talk to them directly before considering any among them.

Check the license
You should check the license of the mover and packer you have chosen for your household or office shifting purpose. It is extremely necessary to verify the license of the moving and packing company with the local DOT office. Each and every moving and packing company needs to be insured and licensed. There are various levels and kinds of licensing and the rules also vary from state to state. Suppose you are moving within your state, in this instance ensure that the mover and packer you have chosen is licensed by the state's transportation department or Bureau of Consumer Affairs.

Check the rent
It is always recommended to check the rent of various moving and packing companies before considering a specific one for your task.

What every woman fears-Breast Cancer

Breast cancer is a topic of global interest because it is the leading cause of cancer-related deaths among women. Despite the mortality rate, it is one of the curable cancers only if women go for treatment upon discovering the early signs of breast cancer.

Detection

Breast cancer is an abnormal growth of cells in the breast tissue. Any breast lump that is hard is suspicious. Detecting breast cancer symptoms is quite easy but most women delay seeking medical screening. The recommendations for screening are as follows:

• Age 20 onward: Self-breast examination every month, and is best done on the fifth day after menstruation
• Women below 40: Clinical breast examination by a medical specialist every three years
• Women above 40: Clinical breast examination and mammogram every year
• Women with a higher risk profile: More aggressive screening procedure

Medical Screening

The commonly used screening procedure is mammography which is an imaging technique that employs serial X-rays to visualize breast tissues and detect masses not felt during a self-breast examination. This screening procedure is not perfect as it may fail to show some tumors or may show an abnormality in a normal breast.

When a lump is found, a biopsy is done to check for the dreaded cancer.

Treatments

Chemotherapy and radiation remain the standard breast cancer treatments. There are other newer treatment methods which are still undergoing clinical trails.

Targeted Biological Therapy is the treatment targeting specific characteristics of cancer cells. This method, when compared to chemotherapy, is less likely to harm normal healthy cells.

Hormone Therapy, also known as anti-oestrogen therapy, retards the ability of oestrogen to stimulate the growth of the cancer cells.

Anti-Angiogenic Medications are drugs which kill the cancer cells by cutting-off blood supply to them (cancer cells).

Breast cancer is curable if it is detected and treated at its early stage or upon discovering symptoms.

Doing a Perfect Mortage Refinance

Mortgage refinancing is a process that you can educate yourself on and 'knowledge is power'. If you want to keep your mortgage from going into foreclosure you can refinance the mortgage. A lot of the lenders are going to ask for a hardship letter from you telling them why you want to refinance your home. The instructions below are easy and will show you how to prepare a professional hardship letter. You will need to have a computer to write the letter.

The first step is to write down why you have a hardship. A lot of things can happen that will negatively impact your financial situation. You will need to spell out the events in clear and concise statements so the lender has a better understanding of how you came on hard times. They will generally consider refinancing to you if they have an explanation of why you need the refinance. You need to convey in the letter that you are a responsible person, but that events beyond your immediate control impacted your ability to repay your mortgage. Some of these events are medical, divorce, loss of job, to name a few.

Step 2: Use the information that you wrote down to compose your letter. It will probably be a series of e vents that brought about your hardship. Rarely is it just one event that is catastrophic, but a series of events that cause the hardship. This is the information that you need to write for your lender so that he will understand why you can no longer make your mortgage payments and he will agree to the refinance rather than foreclosing on the property.

Step 3: Be as brief as you can and don't belabor the details. You want to keep the lender focused on your plight, not lost in the long details of your hardship story. Be specific, stay on track, and let the lender know why you need the refinance.

Step 4: Be completely honest. You want to give enough detail for the lender to fully understand your hardship without divulging a lot of extra information. Say why you can't pay your mortgage, what plans you have in place to be able to start making payments again, and why you need time to start over. If you lie, or even stretch the truth, your lender will be able to find out. So be honest to start. There are resources to help you draft your letter if you need help. Go online and try to find a few examples.

Moving to USa VISA Application

The process of filing a visa application can be a complicated one, as there are a lot of details and constituencies involved in the legal process. This goes for any legal process in all honesty. However, it doesn't need to be as nerve wracking as it might be made out to be. If you research beforehand what to expect, prepare all of the needed proofs beforehand, and maybe even hire a professional to help you fill it out. There are some basic things to keep in mind when preparing to fill out and file a visa application.

Be sure to have all needed proofs before filing. Research this, know what you need to prove who you are and make sure to copy all material and keep record of it in case anything happens to the ones filed. Proofs for visa applications differ depending on what visa you are applying for.

However, there are some basic ones that are needed for all visas. Pretty much you are proving your identity, so a copy of your birth certificate, proof of legal residence in the country you are applying from, and driver's license will be mandatory. Depending on which visa you are applying for, proof of assets, employment, education, and a medical history might also be required. Simply know what you need before even beginning the application process and you should have no problems after filing.

To make the process as quick as possible be sure to keep all employments. An in person interview is usually required and a representative or official may need to contact you frequently. Showing up to all scheduled interviews and answering your calls, letters, and email in a timely manner will prevent any delays from occurring.

Another way to keep the process going smoothly is to hire a professional legal representative at the beginning of the process. They will help you in filling out the application, gathering all required proofs and can act as a go between with the officials and yourself. Don't be afraid to ask for help. While most of the process is simple and can be done by the individual it is just easier if you have someone who knows what they are doing to back you up.

A visa application can take up to a year to be approved barring any unforeseen circumstances. So, after you've completed the initial filing be prepared to wait. But don't let yourself get anxious over it. There is no need for a visa application to be that stressful for you. In fact the United States has one of the highest immigration acceptance rates in the world. So as long as you do what is needed, provide what is required, dot your I's and cross your t's, the entire thing should be close to a cinch. Ask your legal representative or immigration official any questions that may arise. Don't be afraid if you have questions. The more you know the easier it will be for you to wait.

Moving to USa VISA Application

The process of filing a visa application can be a complicated one, as there are a lot of details and constituencies involved in the legal process. This goes for any legal process in all honesty. However, it doesn't need to be as nerve wracking as it might be made out to be. If you research beforehand what to expect, prepare all of the needed proofs beforehand, and maybe even hire a professional to help you fill it out. There are some basic things to keep in mind when preparing to fill out and file a visa application.

Be sure to have all needed proofs before filing. Research this, know what you need to prove who you are and make sure to copy all material and keep record of it in case anything happens to the ones filed. Proofs for visa applications differ depending on what visa you are applying for.

However, there are some basic ones that are needed for all visas. Pretty much you are proving your identity, so a copy of your birth certificate, proof of legal residence in the country you are applying from, and driver's license will be mandatory. Depending on which visa you are applying for, proof of assets, employment, education, and a medical history might also be required. Simply know what you need before even beginning the application process and you should have no problems after filing.

To make the process as quick as possible be sure to keep all employments. An in person interview is usually required and a representative or official may need to contact you frequently. Showing up to all scheduled interviews and answering your calls, letters, and email in a timely manner will prevent any delays from occurring.

Another way to keep the process going smoothly is to hire a professional legal representative at the beginning of the process. They will help you in filling out the application, gathering all required proofs and can act as a go between with the officials and yourself. Don't be afraid to ask for help. While most of the process is simple and can be done by the individual it is just easier if you have someone who knows what they are doing to back you up.

A visa application can take up to a year to be approved barring any unforeseen circumstances. So, after you've completed the initial filing be prepared to wait. But don't let yourself get anxious over it. There is no need for a visa application to be that stressful for you. In fact the United States has one of the highest immigration acceptance rates in the world. So as long as you do what is needed, provide what is required, dot your I's and cross your t's, the entire thing should be close to a cinch. Ask your legal representative or immigration official any questions that may arise. Don't be afraid if you have questions. The more you know the easier it will be for you to wait.

Available Scholarships For African Students

Here are available scholarships for African women to study for Postgraduate and Undergraduate programmes. Some of these are niche scholarship programs specifically for women. You can also apply for other international scholarships that are not gender specific. The scholarships aim to encourage women to further education in several fields of study.

Google Anita Borg Memorial Scholarship for Women in Africa, Europe and the Middle East

Google aim to encourage women from the international community to excel in computing and technology through the Google Anita Borg Memorial Scholarship offered for women in Africa, Europe and the Middle East. The scholarship is for female Undergraduate and postgraduate students.

PEO International Peace Scholarship

The PEO International Peace Scholarship Fund provides scholarships for selected women from other countries for graduate study in the United States and Canada. P.E.O. aims to help qualified women who desire higher education and are in need of financial assistance.

Fondation Rainbow Bridge MBA Scholarship

The FRB enables young women scholars to enrich their academic background by obtaining an HEC MBA in France. Women applying for the Scholarship Award must come from an African country affected by a natural disaster, drought or famine.

Deutsche Bank Scholarships for Women at London Business School

The Deutsche Bank scholarships are awarded to MBA and Masters in Finance female students in the AMOUNT of £20,000 each.

Fellowships for Women Scientists in Developing countries and Africa

The Third World Organization for Women in Science (TWOWS) with funds generously provided by the Swedish International Development Cooperation Agency (Sida), has instituted a fellowship programme for female students from Sub-Saharan Africa and Least Developed Countries (LDCs), who wish to pursue postgraduate training leading to a Ph.D., at centres of excellence in the South (developing countries), outside their own country.

Canon Collins Trust South Africa scholarship programme

Canon Collins Trust awards postgraduate scholarships for southern African Students including Angola, Botswana, Lesotho, Malawi, Mozambique, Namibia, South Africa, Swaziland, Zambia and Zimbabwe- to study in South Africa. The Trust offers Full Scholarship for study in South Africa are for women of rural origin under the Graça Machel scholarship scheme.

Global Fund for Women Grants

The Global Fund for Women supports women's groups that advance the human rights of women and girls. The Organization strengthen women's right groups based outside the United States by providing small, flexible, and timely grants ranging from $500to $30,000 for operating and program expenses.

AAUW Scholarships and Grants for Women -Postgraduate Fellowship in USA

American Association of University Women (AAUW) Educational Foundation Fellowships and Grants is available for women who are not US citizens or Permanent resident in the United States. Priority is given to students from developing countries including African Students.

IFUW International Scholarship for Women-Fellowships and Grants

The International Federation of University Women offers a limited number of international fellowships and grants to women graduates for postgraduate research, study and training.

Removing Annoying Pimples and ACNE

Acne is something that many different people struggle with. Not only are teenagers affected with it, adults are too. This article will give you the tips you need to nuke pimples and blackheads from orbit. With a little forethought and planning, healthy skin can be obtained.

You should plan on knowing what foods you are going to eat. When you eat a lot of junk food it will hurt your immunity. Eat a lot of fresh fruits and veggies. Try to only eat leaner cuts of meat and cut back on sugar. By doing these tips, your body will have the essential vitamins and minerals it needs in order to work properly.

Make sure your body stays hydrated. Water is the most effective drink for hydration. In contrast, sodas and sugary drinks may seem to quench your thirst, but they can actually do just the opposite. Juicing is a great way to spice things up when water isn't doing it for you. When you drink fresh juice, you are getting a lot more vitamins and nutrients than if you simply bought juice from the store.

Think about using maca as a supplement. Maca can help to regulate your body's systems, and a real plus is that it has no negative side effects. Start small. Take a lower dose than recommended, and work your way up to what is indicated on the instructions.

Treat your skin right by staying away from products with harsh chemical ingredients. These will leave your skin dry and irritated, making it worse instead of better. You will get better results from cleansers that are gentle and hypoallergenic.

Garlic can flush out the bacteria that is behind that nasty pimples. Crush up some garlic and apply it directly to your outbreak. Remember to avoid your sensitive eye areas. It might sting as you apply it, but this means that it is working. Let the crushed garlic sit on your skin for a few minutes, then rinse it off and pat the skin dry.

To help your pores look their best, try using an organic green-clay mask. The purpose of the green clay is to help reduce the oil on your skin's surface. Once you've applied the mask, allow it to dry. Rinse it off and pat your skin dry with a clean towel. Witch hazel on a cotton ball will remove any clay that might remain on your skin.

Stress can greatly affect the health of your skin. Infection is more rampant when you're stressed, and your skin's natural balance will be ruined because of it. Eliminating stress will lead to noticeably clearer skin.

Incorporating these tips into your daily skin care routine should clear up your skin. However, you need to stick to a regular regimen in order to see the best results. Make sure to wash your face at least twice daily to get glowing skin quickly.