The Simple Life for Euromillions Winners

Every week, those of us who do the lottery dream of all the things we would do with our winnings. Although I expect very few of us think that the first thing we will do with the money is buy a pizza and take a holiday in a static caravan.

The Euromillions lottery winners Adrian and Gill Baysford did just this. They could have chartered their own private jet to just about anywhere in the world but as this down to earth couple show, money doesn’t beat family. Instead they took a flight to Scotland to visit Gills parents who live in a caravan park in Carnoustie.

Her parents own a static caravan and have lived there for four months, We are sure that unless they are unhappy living here, this probably won’t change.

The Baysford’s seem to be a very down to earth couple with their only dreams of spending the money are on a Audi Q7, a trip to Disney land and travelling through the Canadian Rockies by train.

Considering that they will be earning £8,000 a day in interest this is just a tiny stone in the giant ocean of experiences they will no longer have to save for. We’re sure that the money will definitely help with their costs like tax, bills, static caravan insurance, car insurance for their new car, fuel, food and other things that some of us can struggle with.

Even though the couple are now the 516th richest people in the country it is nice to hear that they are still going to enjoy the simpler things in life and help out those around them and the ones that need it most.

Five Indian and Pakistani Restaurant Favourites

As yesterday was Pakistani Independence day and today is Indian Independence day, here at QuoteSeacher we thought we would take a look at the best restaurants (in no particular order) from these countries that we have here in London. Even the best need restaurant insurance!

First on the list is Benares in Mayfair. It is a Michelin star restaurant which offers Indian meals with a twist of Britain. In September the chef, Atul is holding a master class to let you learn more about his approach to cooking and included is breakfast, lunch, along with a copy of his book and some of his chutneys.

Next on the list is the Pakistani restaurant Tayyabs in Whitechapel. It serves some of the best Punjabi cuisine and is renowned for the mixed grill and lamb chops. The restaurant is started off as a small café and over the years has grown into the restaurant it is today.

We couldn’t mention Tayyabs without having their rival on the list; Lahore Kebab House. This is of course a Pakistani restaurant as well and many who eat at both restaurants can’t decide which is better. This place does attract some celebrity faces and has a great meat selection. Many Indian and Pakistani restaurants are vegetarian so this is a great place for meat lovers.

Quilon makes our list at number four and is again another Michelin stared Indian restaurant. Here, they have just completed a redesign of the whole place. The menu focuses on the coastal cuisine found in the South West of India with a lot of seafood, coconut and mango featuring heavily in the menu.

Last but not least is Rasa N16. This was the first restaurant in the chain of Rasa and I still remains many peoples favourite. It is one of the best vegetarian restaurants in the Capital and has a great selection of South Indian food. Even if you feel like you can’t go a meal without meat, visit the Rasa Travancore that is just across the road.

Utilising Space and Making some Money

Many people assume “landlord” means a person with a large property portfolio or to those who are investors with management companies and have complete property businesses. However, this is not the case and many are/can become landlords without even knowing it! People nowadays need a whole range of different properties to live in because lives are very different to how they used to be. Being a modern day landlord is a very easy way of making some extra money although it is essential to understand what type of let you have.

If you have a large house with an un-used bedroom then why not rent it out to a lodger? This is a great way of utilising space and making a little extra money for the mortgage. If do choose this route then you will need to check the landlord laws as you are taking a rental payment each month. As a result your property needs to have the proper safety measures in place and you need to double check the HMO law as your property may fall into this category.

Many people have a second home somewhere close to the coast in the UK although for most of the year the properties aren’t used. You could always consider turning the property into a guest house for a few month of the year. If this is your situation then you will need to consider finding someone to manage the property if you do not live locally and you will also need hotel and guest house insurance.
In recent weeks we have all heard about pop up shops but pop up hotels are also becoming more and more popular. This is a little more difficult when it comes to legalities but if you are letting a room with breakfast and dinner included for once a month or more, it is sensible to check landlord legislation.

If you have extra space that isn’t used all year round then utilise it the best you can, especially with the high demand in the rental market you are sure to make a few extra pennies. If your lets are a little more outside the box though, check that you have covered all legalities and you are covered the best you can be.

Summer Staycation in Scotland

Have you been away yet this summer? Or are you still deciding where to take your motorhome for an adventure? If this is the case why not try Scotland. Yes there is a strong chance of rain, but unfortunately this is the case everywhere in the UK this summer. Even though Scotland does have rain, it also has stunning views and great places to explore.

We have found two great campsites that are guaranteed fun and perfect holiday destinations even in the British weather.

Cashel

Cashel campsite is right on the banks of Loch Lomond which is the fantastic place to view the scenery of western Scotland.

Being on Loch, of course means there are a range of water sports. There are fishing facilities, canoeing, boating and obviously walking and cycling trails so whatever you fancy doing, there is sure to be an activity to suit you.

Surrounding the Cashel campsite is the Queen Elizabeth Forest Park and Ben Lomond. This is a Munro (a mountain higher than 3000ft) just four miles from the site. As mentioned there are many walking and cycling paths including the West Highland Way which goes rights past the entrance of the site.

On site there is a cafe and a shop and there are also many shower and toilet blocks. Dogs may be taken to this site which means fun for all the family. There are also electric hook up pitches available.

Cobleland

This campsite is on the River Forth and surrounded by oak trees. If it is raining, this will definitely provide some protection and of course, they are breathtaking to look at.

As the site is buried beneath gorgeous trees, there is a lot of wildlife in the area, great for nature lovers. Red squirrels are the most common and with wildlife all around it is a great place to really get back to nature.

Although there are no water sports that take place on the river. There are three lochs just around the corner: Achray, Drunkie and Venacher. These all offer boating, canoeing and fishing. If you fancy leaving the area then David Marshall Lodge is the place to go. Here you can watch live footage of the local Ospreys and it isn’t too far away.

Planning ahead is vital on any holiday and this means making sure you have sufficient breakdown cover and a motorhome insurance policy that covers all your needs. Having peace of mind while you are holiday means you can relax a little more in knowing that if something does go wrong, someone else will fix the problem for you.

Let us know if you are off to Scotland this summer, or if you have already been. We would love to hear your stories from the mountains. Either comment below or message us on Facebook or Twitter.

How to Avoid Motorhome Breakdowns Abroad

When you are setting off on your holidays in your motorhome and you have finally crossed the channel and just got off the ferry there is nothing worse than a breakdown. A breakdown on the way back from your holidays is almost as bad. Most of the time they can’t be avoided but there are a few safety measures that can be considered before setting off on your holidays.

The first and possibly the most obvious are servicing and maintenance. By having a professional service before your holiday you know that everything that should be filled up is and that everything is in good working order. Although this won’t prevent a breakdown you can be sure if there is a potential for something to go wrong then a service will highlight this. As well as servicing the engine, check your oven and sink before travelling to another country. Most of the time, it is harder to find someone to fix a broken oven with a gas problem than finding a garage and breakdown recovery service.

Make sure you have checked what the law in countries abroad require you to have in case of a breakdown. Many require a high visibility vest and if you don’t have one, you could be fined. If you are travelling in Europe then you will need an EU breakdown kit. These usually contain the vests but make sure you know the law as ignorance is not an excuse.

In the worst case it is always nice to have peace of mind knowing that you are covered. Some motorhome insurance companies do offer breakdown cover alongside the policy. However, if this is not the case then the AA or RAC do offer European Cover. Do check your insurance policy and make sure there is everything you need included as the cost of a breakdown and recovery are expensive.

Of course breaking down can happen anywhere not just abroad but make sure that your holiday isn’t interrupted by a breakdown. Although it is never certain no matter how much you do before hand so make sure you are covered just in case.

Landlords and Looking Positive

Since the credit crunch hit, private landlords are the most confident they have been according to research conducted by Paragon Morgan.

It was commissioned by Paragon Mortgages and executed by BDRC Continental. The research showed that 66 per cent of those that took part in the survey are expecting good things for the next quarter of 2012. This is the greatest percentage since 2007.

The landlords were also required to give their views on the private rented sector for the rest of this quarter and this showed that 57 per cent said they are also expecting good things. This is again reinforcing the fact that landlords are more positive than ever before.

During the last quarter, from the landlords that were asked, 12 per cent of them increased their portfolios. On average they added an extra 2.6 properties and a further 22 per cent are planning to add to their buy-to-let businesses.

As landlords are purchasing more properties this means they are extremely confident in the market as more properties mean more additional costs such and landlord insurance and maintenance costs.

Included in the research were also questions on what landlords felt about rental yields and void periods. Many said that they expect to see an average rental yield of 6.2 per cent in this quarter. According to the report only 34 per cent of the landlords experienced void periods. This is the lowest percentage for the last year.

It was also revealed that those that were most likely to rent a property were young couples, making up 54 per cent of tenants. Those who were young and single are 49 per cent of tenants while families with young children make up 47 per cent of those renting a property.

The managing director of Paragon Mortgages, John Heron has said, “The latest English Housing Survey published earlier this month, shows that they private rented sector now accounts for 3.6 million households in England. This is 17 per cent of the total number of households and practically accounts for the same level as the social rented sector.

“This is a remarkable shift in tenure that – in the context of housing patterns at least – has happened over a very short period of time. It has been made possible by a relatively enlightened approach to landlord and tenant regulation and because buy-to-let finance has allowed landlords to expand their portfolios.

“Our own survey indicates that landlords remain positive about the future of the sector and are looking to expand their portfolios further in order to meet the growing demand from private renters. I am pleased to see that confidence is growing and that it has reached its highest level post-credit crunch.”