Survey results from the Financial Conduct Authority have given an insight into the practises of intermediaries since pension freedom reforms were introduced last April.Continue reading →
Moves to Close Clocking Loophole Welcomed by Motoring Organisations
Motoring organisations have welcomed a move to close a legal loophole that has allowed companies to “clock” cars. Under the current law, it is legal under certain circumstances for a company to alter the apparent mileage on a vehicle before selling it.

The loophole has been described as an “alarming” one by Business Minister Anna Soubry, and she has pledged to take action in order to see it closed.
About the Loophole
The loophole allows companies and private sellers to sell a vehicle with altered mileage, provided they inform the buyer before selling it. The clocking of the vehicle is only illegal if they then fail to inform the buyer prior to a sale and if the seller is aware that the odometer reading has been tampered with.
In theory, the legal requirement that the seller inform the buyer prevents dishonesty. In practice, however, there is plenty of opportunity for unscrupulous traders to abuse this loophole. Buying a car is both an exciting process and a frantic one, and buyers have a lot on their minds. They must weigh the advantages of different makes and models, likely view multiple different vehicles, take a lot of details on board, and worry about arranging finance from a company such as http://www.rightdrive.co.uk which offers guaranteed car finance in Portsmouth. Amidst all of this, a dealer could easily slip in the fact that the mileage has been altered at a moment when they think this detail may be missed by the buyer or claim afterwards that they informed the buyer and they must have not taken it on board.
Vehicle Clocking
Concerns about the extent of “clocking” have intensified somewhat in the past several years, but this is not a new practice. Odometers used to be mechanical and would be advanced by rotation as the car moved. As such, they could be altered by attaching a power tool that would rotate in the opposite direction, physically winding the displayed mileage back.
Today, most cars are fitted with digital odometers, but this has not by any means made them immune to the practice of altering mileage. Special equipment can be purchased to alter displayed miles, and a number of companies exist that specialise in “correcting” the mileage displayed on a digital odometer.
15 reasons why your cat meows constantly
Cats meow to communicate with his master. Whether for a basic need, it may meow when he hurt or is sick. So often when a cat meows, it’s best to try to understand what he says. Your cat meows all the time, without stopping? Here are 15 reasons that could explain the behavior of your loved cat. That said if the mewing of your companion can be quite banal, it is nonetheless crucial to remain attentive to the needs of your cat and his health. If you find that the excessive meowing persists or the animal is behaving unusually, see your veterinarian.

1.Meowing because he suffers from hyperthyroidism
Particularly common in older cats, hyperthyroidism can also cause increased or exaggerated meowing. Recall that hyperthyroidism is characterized by excessive activity of the thyroid gland, causing increased metabolism and activity of organs and tissues in cats. Other symptoms include hyperactivity, faster than normal pulse and weight loss.
2.It does not feel good
The meowing is the form of voice communication cats. Yours may be trying to talk about the troubles he has experienced or he wants to tell you that something is wrong. A visit to the vet is necessary, especially if it meow is new and that the behavior of your cat seems unusual.
3.Your cat meowing because he wants to eat or drink
Many cats begin to meow when it comes time to eat. Cats can meow as soon as you wake up, or as soon as he sees someone enter the kitchen. Do not forget to check his water dish for be sure it is full and make sure the litter box is clean and nothing is blocking access. All these factors could make him more meows.
4.It is anguished
A nervous cat or anxious tend to meow more. Any change in its environment, illness or loss of a loved one can cause in her anguish. Once you have identified the cause of his discomfort, you’ll be able to get used to the changes it experiences. Give him more attention and offer you calm during the adjustment period.
5.He suffers from senility
Just like humans, older cats can suffer from neurological problems, including a disease like Alzheimer’s. Exposed to a form of loss of orientation, they meow pathetically no apparent reason, especially at night. Leave a night light on if your cat feels lost overnight.
6.Your cat meowing because he wants to mate
Females in heat meow excessively, and males do the same when they feel the presence of a female in heat. It’s a tough racket to bear. Then follow the Bob Barker board that recommends that you neuter your cat.
7.It demands attention
Just as a child learns to cry to get something, the cat meows to get what he wants. If your cat meows to get you to play with him or to get your attention, do not respond. Respond to requests just when he is silent. If it starts to meow, stay away from him.
8.He wants to spend quality time with you
Do not stay completely indifferent to your cat – consecrate him every day good time attention to let them know that you love Think hire the services of a pet sitter if your cat is alone. Stay home for most of the day.
9.Your cat could meow as he suffers from sensory loss
Older cats may begin to suffer from vision problems, loss of smell or hearing and can start to meow unusual and excessively. It is possible to believe that these sensory losses can cause the cat in a state of confusion and irritability.
10.Meows constantly because he suffers from chronic pain
Cats with chronic pain can meow excessive or unusual. In addition, older cats can suffer from arthritis, neurological pain and oral diseases, among others.
11. Your cat meows constantly because you said “Hello!”
Your cat will meow as soon as you enter after a long day of work? Surely you’re tired and need to rest, but interpret this meow like a declaration of love. Is not it nice to know that your kitty love you?
12.He suffers from a disease of the central nervous system
Most cat’s ages can suffer from brain tumors. Furthermore, meningioma is particularly common and can eventually cause changes in neurological and behavioral level, in addition to cause excessive meowing.
13.It belongs to a noisy cat breed
Some breeds of cat meow more than others. In addition, the Siamese cats and oriental breed cats are noisier than average.
14.His diet changed
Cats that have their diet change can start meowing excessively. For example, if your cat is overweight and should consume less food, ask your veterinarian to recommend a food that will satisfy its nutritional needs and hunger (eg, a high fiber diet).
15.He wants to get out of the house (or get in!)
The cat’s meow is the primary means of communication towards his masters. If your cat wants out, it is likely that meows near the door. Similarly, if your cat is outside and wants to go, he will let you know. In cats that could previously go out now and should stay indoors, this can cause problems and during this transition, excessive meowing can last up to several months.
Loneliness increase by 30% the risk of heart disease
According to an American study, loneliness is linked to an increased risk of developing coronary heart disease or be a stroke (cerebrovascular accident).

Scientists from the University of New York (United States) reviewed 23 published studies in journals. All wore on stress and heart disease. In all, 181,000 healthy adults were followed. Of these, 4600 have suffered from a coronary disease, an arterial blockage due to an accumulation of cholesterol. Also, 3,000 others suffered a stroke.
The scientists found that one person has an increased risk of 29% of suffering a heart attack or angina and 32% greater risk of having a stroke. High blood pressure, high cholesterol, diabetes … The researchers note that loneliness affects lifestyle. A single individual will tend to spend less, smoke more and eat less balanced.
Finally, the authors suggest that the lack of actual interactions may be a factor in assessing the health status of their patients.
Results of the work were published in the journal Heart.
5 pairs of shoes you should not use
The shoes are the weakness of many women, but there are some that could cause us pain and problems in the future. Why then should we tell those who stop using.

1. Sandals without heel
This kind of shoes does not allow people to have stability when walking, so that could make you suffer from falls or cause injury.
2. High Heels
Women know that tacos stylize our figure and in some cases give us these centimeters we so desire, but use very high can cause us falls.
3. Small Shoes
Unfortunately not all models are made to our feet, so that using it could cause us pain and wounds. It is best to take your time and choose the right.
4. Narrow tip shoes
This kind of shoes does not allow our foot completely fit, so that in the future could suffer from bunions, hammer toe cays.
5. Sandals strips
Although sandals strips are very cute, sometimes this kind of shoes can cause us wounds and pains.
How to reduce the risk of early death
Scientists at Harvard University (USA) in the course of its last study concluded that houseplants reduce the risk of premature death. By the way, the same applies to green spaces, planted near the house.

The researchers analyzed a huge amount of health data. The information collected during the 8 years from 2000 to 2008, evaluates the status of female health. The aim of the study was to find out how the presence of plants in the house affects life expectancy. Note the scientists took into account nationality, social status, lifestyle study.
What were the results? As it turned out, those who lived in the green areas, 34% less exposed to premature death. In addition, the 13% of women were confirmed risk of cancer. We draw conclusions – surround ourselves with house plants. The benefit is obvious – nice and cool.
A mini battery that turns urine into electricity
Would you like to solve your power every time you use the toilet in your home? Or even better if possible transforms urine into electricity.

Well let me tell you that is the future posed by the inventors of a revolutionary new battery powered “urine” and generates electricity at low cost.
Scientists at the University of Bath, located in the UK, teaming with Queen Mary University of London and also with the Laboratory of Robotics Bristol, have finally managed to solve the two main obstacles battery microbial fuel, which they are its high cost and low power generation.
How is it possible to produce energy from urine?
Its impressive battery uses natural biological processes, which can transform organic matter, such as urine, into electricity.
This compact battery is more powerful than previous versions of this type and low cost have a very positive impact on the developing world, the researchers say.
More power.
It is not news to anyone, the fact that supplies of fossil fuels in the world are being depleted. Besides this, due to the pollution factor, the pressure increases day after day to develop new sources of energy. As bioenergy is a solution and microbial batteries can produce that energy.
“Microbial batteries have a real potential to produce renewable bioenergy waste such as urine,” according to Dr. Mirella Di Lorenzo, who works for the University of Bath in England says.
However, one of the main problems is microbial batteries that can be very expensive to manufacture these.
The electrodes are made of materials profitable but in the case of the cathode, this usually contain platinum which is a very expensive element, but speeding up the reactions that generates electricity.
In addition to expensive, these batteries produce much less energy than other methods of bioenergy production.
They begin to raise questions like a phone that can be recharged with urine?
However, the new design uses nothing microbial battery of expensive materials for the cathode: This is made of carbon cloth and titanium wire.
And to speed the reaction and generate more power using a catalyst made of glucose and albumin, which is a protein found in egg white.
How to get rid of pain in the legs in just 30 seconds
Specialist recommends two simple and easy exercises
After a hard “does not feel my legs” days of work for many terms become particularly relevant. And it is not surprising, because the calves, ankles and feet bear the entire weight of the body.

Susie Nutley, founder of Functional Synergy Yoga Therapy recommends two simple exercises from the pain in his legs. In addition to relieving pain, these exercises stretch the ligaments and improve the mobility of the joints of the foot, according to Good housekeeping.
First you need to lay a towel on the floor and sit on his lap, putting the foot on the fingers. The feet should be perpendicular to the floor. Move your body weight on your heels; sit on them completely with a straight back.
In the second case, you need to sit down just as well, but the fingers should be tucked. If you are sick, lean slightly forward.
To your feet do not hurt, the expert recommends that these two exercises daily for 30 seconds. Gradually increase the duration of each exercise up to 2 minutes.
Social networks and their tribes user
Today, social networks we all know, can fuel a revolution, extending many ideas and help us feel connected to people. Half the world’s population is online, so we are literally living in the “Information Age”.

In addition to the many benefits, however also this, the growth of our fingerprint, which raised concerns about privacy, harassment (bullying) and the information we are giving to businesses.
Along with the above, it is the pressure of wanting to show a perfect life in the network, obtaining with this a perfect poisoned cocktail.
With the “digital detox” as the latest trend of the times, it seems there are many who are trying to find a balance between their real lives and digital presence.
How does all this affect us?
Experts have carried out analyzes and studies in order to determine how they affect social networks, both are physically and psychologically, which for some is a love / hate, but even if they do not like it can not leave for more they want.
“Being a comedian, I can use them for all sorts of things, how to interact with my fans, try new jokes and follow people who inspire me,” the young British actor Matt Richardson.
What tribe are you from?
Social analysts and scientific researchers have developed a new classification of what they have called “tribes of Internet users,” according to how they use social networks.
These would be the categories or tribes researchers found. In which are you?
– Those who share almost everything: Every detail of his life is documented in your profile. For your contacts is too much information.
– Stalkers (stalkers) are in a very discreet background, spying, watching others and juzgadolos, although they never express their opinions or feelings.
– The braggarts or also known as the “humble” want to show the most incredible life and not shied at bluffing all its luxuries.
– Peacocks: are always on full display, but in the case of these, which show his life is carefully selected before sharing on social networks.
How to adjust the digestion
Digestive problems are uncomfortable, embarrassing, and very common. Many people suffer from symptoms including abdominal pain, cramping, constipation, diarrhea, gas, bloating, and nausea. Some of these digestive problems can be reduced or avoided entirely by improving your diet and maintaining a healthy lifestyle.

Establish digestion for people suffering from constipation, it is very difficult. But if to take up the matter thoroughly and comprehensively, it is likely to succeed.
Dangerous signs
Constipation – the problem of all ages and is in infants, and the elderly, and people flourishing age. The reasons can be many. Sometimes this is due to the violation of some illness, sometimes very serious. Alarmingly, if delayed stool, accompanied by pain, he appeared suddenly, if constipation is constantly alternating with diarrhea, especially if the feces have appeared allocation of blood and mucus. In this case, you must consult your doctor immediately.
Change your life for the better!
But, fortunately, constipation can be functional. And then eliminate it quite capable of every one of us. But it’s better to do it in cooperation with a gastroenterologist.
Most often, constipation occur due to improper diet: excess flour, fat, lack of water and fiber (fruits and vegetables), as well as due to sedentary lifestyles and long-term stress.
Having defined the risk factors, you should begin to deal with them. The task – to make sure that the chair has not only daily, and occurred at the same time, preferably in the morning.
Having decided to part with the bars, at first it is difficult to do without laxatives. But do not think that if these drugs are of plant origin, they are absolutely safe. Long uncontrollably and take most of them (especially on the basis of senna and bisacodyl) dangerous. This leads to rapid addiction. As a result, it is developing an inert bowel syndrome. Sometimes is electrolyte imbalance. Long reception senna, for example, may lead to the development of colon melanosis. Therefore, frequent constipation is better to treat a mild laxative, which can be used for a long time, without the threat of addiction or loss of effectiveness. Such means include lactulose, based on, for example.
Do not hoard!
Causes of constipation may be psychosomatic. It has been observed that such issues bring people together like a warehouse: indecisive, stuck in the past squabbles, resentments, disappointments. Constipation is characterized by and for those who do not wish to part with the past, with anxiety and uncertainty about the future. And also for those who are greedy and obsessed with themselves and do not know how to share with others no joy, no money. If all this is about you, think: maybe it’s time to open up the world to shake off all the obsolete and the confidence to face the present and the future. You look, and constipation will disappear by them.
7 Steps to a good digestion
- Establish a diet and be physically active. The morning should start with gymnastics. Suit most simple movements – turning and torso to the side, forward and backward, sit-ups and exercise “bike”.
- Increase consumption of vegetable fiber (vegetables, fruits, bran, dried fruits, cereals) – up to 1.5 kg per day. For example, plums, dried apricots, prunes, figs, pears contain fiber and sorbitol. They are effective for both prevention and treatment of constipation.
- Eat at night dairy products.
- Increase the volume of intestinal contents. And to accelerate its promotion contributes bran, seaweed, and flax seed.
- Limit consumption of foods such as rice, white bread, strong tea, cocoa, coffee, potatoes, and milk.
- Eat at one and the same time, in small portions, but often – 5-6 times.
- Increase fluid technique (at least 2 liters a day), except for the coffee, strong tea and alcohol which contribute to dehydration.
Gymnastics for stomach
In the morning before breakfast drink a glass of cool water. Half an hour after that in the toilet do special exercises, stimulating peristalsis: take a deep breath – stomach stick out, pause 5 seconds, exhale – to involve the stomach, pause 5 seconds. Repeat 3 times, then strongly natuzhitsya. If it is failed, repeat several times.
It helps and massages the abdomen with his hand in a circle, clockwise. When atony it should be more intense, and very easy and relaxing bowel spasms.

