Updates to our blogs


Nowadays, the trend of taking loans to fulfill immediate requirements have become very common. You can now take a loan from some lending company or a bank for paying your tuition fee, to buy home or car, to start a business, etc. Also, the process is simple and easy to understand. But still, certain things need to keep in your mind when you plan to take a loan for anything you want to buy right now.

Given below are the things that you must keep in mind, and some tips are shared so that you may not make any mistake. Read them thoroughly, and you will find out that how important information you just learned.

  1. Eligibility to Avail Loan

If we technically see this point, then it is obvious that every person who is earning some money can take a loan. This is important because income is the sign that you will be able to pay back the money you borrowed from the lender company. But having an income is not just that they need to approve you as an eligible person for a loan. You have to make sure that the amount of your income is enough for you to take out some money to pay back the loan. Also, you have to prove the lenders that the income has been consistent for many years and it will remain for years to come.

So, you must identify the lender company and then search for their rules and regulations for this eligibility. Depending on their criteria, calculate your income and determine if you will be eligible or not.

  1. The Rate of Interest on Loan

The rate of interest is the next most important thing to consider when you are planning to take a loan for yourself. It is important because different companies have different rates and some companies also offer multiple types of interest rates depending on the condition of the person taking the loan. Other than this you must also gather IVA information and advice from some expert lender. This will help you find out where you stand at that point.

You have to make sure that the company you are planning to get a loan from also have the best interest rates that you can afford to pay each month or on a yearly basis.

  1. Review Your Credit Score

Before you apply for the loan, keep in mind that your credit score is good or at least not bad enough that you get a rejection. If you feel that it is not as good as the lender company would want, then before applying for the loan try to fix your credit score and then move on.

By keeping in mind these three points, it is not going to be any issue for you to take a loan for anything you want. If you follow it rightfully then very soon you will reap the fruitful results. They are simple and easy to understand but very important to consider.


A will is a legally binding document that allows you to give instructions about what you would like to happen to your estate when you die. Your estate is everything you own, including money, property and belongings.


Many of us underestimate the importance of putting together a will. It’s a way to make sure your wishes are carried out and your loved ones are provided for in a way that you’ve always wanted. It can also prevent them from having to make painful decisions or deal with financial problems that you may have left behind.

A will can also help with funeral planning as you can point your loved ones in the direction of your prefered funeral director. Organising a will means that you and your family have less to worry about.


For those of you who are unsure or need a little help with your will, we have put together this step by step guide.


How to make a will


  • Calculate the value of any money, property and possession you have. Remember to include any debts and investments you have.



  • Decide what you want each beneficiary to receive and how you want to divide your estate. You might want to leave a percentage of your estate, an exact amount of money or a particular possession to someone – your will is as flexible as you wish.


  • Consider who you want to sort out your will, whether it’s family, friends or a professional such as a solicitor. Normally you appoint more than one individual for this in case one person is unavailable to act for you when the time comes.


  • Draw up your will.


  • Give a copy of your will to your executor/s along with the list of your money, property and possessions. A good idea would also be to give your solicitor or bank a copy of this.


  • Make sure you review your will and update it every five years or whenever your circumstances change.


How to draw up your will

There are three different ways to draw up a will:


Ask your solicitor

Asking a solicitor to draw up your will, will ensure it’s valid and contains the correct information. This is helpful if your affairs aren’t straightforward. For example sharing a property with someone who isn’t your husband, wife or civil partner. Or, you have an ex-spouse or children from a previous relationship who may want to make a claim on your will.


Use a will writing service

A will writing service will cost but prices vary and you can approach legal firms for quotations. Services such as Beyond offer a will writing service that free, solicitor approved and easy to use.


Write a will yourself              

You can also write a will yourself, but you need to be using certain language and wording for it to be legal and valid. You can ask for a solicitor’s help when writing this.


When completed, the will must be signed and witnessed by two adults who saw you sign  the will. These witnesses cannot be beneficiaries of your will or a spouse/civil partner of your beneficiaries.


If you haven’t made a will or your will is invalid, your money, property and possessions will be shared out according to the law. This is known as ‘intestacy’. This means that people you want to leave your estate to could get nothing and, those who you don’t want to leave anything to could get everything. So, to make sure you get your wish, make a will.


When you want to play slots online, you want to have fun, and that will not happen when the sounds and animations are sloppy. That is why you need to find an online slot that will give you an experience that you can enjoy.

There are slots with sounds that feel like they are not even trying. If you want to have an immersive experience that will give you fun and no fatigue, find the coolest games. If you are having trouble doing this, then this list by SlotStory should help.  

You probably realize at this point that games from a long time ago, like 2010 and back, does not really have the graphics for it. They appear dated and uninteresting. That is why in this review of the top 5 slots with cool animations and sounds, we look at very new games.

So, here we go:


  • Jumanji


No doubt, you have heard of Jumanji in your lifetime. This fame is not without precedent. That is why the games have done well. The slot game is awesome in terms of music and animation. NetEnt has done a great job on this one.

There are so many animations with the sticky vines, the wild symbols, the monsoon features and various other things happening which all combine to give you a real thrill that will keep you entertained for hours.

The hype is not for nothing. This game has had success as a board game, and now it is in the slot casino world. There is no way that you should miss out on this.


  • Fortunium


This pokie that is playable on the phone is a release of Microgaming, and they have been in the game for a long time. This one has high definition graphics that will immerse you in the whole scenery. Fortunium succeeds on all levels in terms of visuals.

The music is not bad and if you combine that with everything else, it will give you a good time. There are 40 paylines and 5 reels. All these will keep you busy, and you will not have much to complain in terms of visuals.

Fortunium has a vaguely ‘Wizard of Oz’ feel to it in terms of the graphics, and you will find this to be very attractive visually.


  • CashOccino


This is a beverage themed game that has one of the best gameplay ever. The colours of coffee are the themes that you will find on the reels. They drive the game forward. The wild symbol in this one takes the form of a coffee cup that we all recognize.

The other symbols are for the other coffees, and they will include; Café Latte, Mocha Swiss, Espresso, Americano and Bella Roma. The logos themselves have the coat of arms design. This will give you a feel of progress when there is a noticeable change in the animation.

The game excels on so many levels. Get your shots of caffeine now.


  • Poke The Guy


Now here is a slot that redefines the genre. It is different, and it has all the cool stuff that you look for and more. Microgaming made this one too. There is a fork with a force field that has arrows on both sides. This is not all. The game’s graphics are rendered so well.

There are no wild symbols but there is this guy who moves randomly, and all you have to do is throw stuff at him and hope you hit him. He will be moving around what appears to be Las Vegas. There will be landmarks too like Mt. Rushmore and the Eiffel Tower.

It is a fun game with graphics intended to make the game even better.


  • Poltava – Flames Of War


This challenging and visually beautiful title is something that I think you will enjoy if you love slot games. The setting is the beginning of the 18th century in Ukraine. The army of Russia, led by Peter the Great of Russia meets the Royal Forces from Sweden.

This battle determined the power of both these countries. The pokie is simply stunning, to say the least. The battlefield is shown very clearly. The atmospheres are well designed to be awesome. The symbols are all military of course, and this sets the scene for a great game.

The soundtrack is more movie-like than a slot. It is not a pokie that you should pass up. Get ready, pick a side and charge into war.

In Conclusion

Now that we have seen the games that do their job well, it is time you pick one and play it. You have to realize that these are not the only games with cool animations and music, there are more. Happy playing!


If you’re looking for a new online casino to play at, it’s a good idea to look at some reviews first. These are written to give you an idea of what the casino has to offer, and whether it’s worth signing up to or not. Whatever type of a gambling establishment you’re looking to play at, you’ll find reviews for plenty of casinos that match your tastes. If it’s live dealer games that you’re keen to play, for example, you can easily find plenty of live casino reviews – simply give some a read, and you’ll hopefully decide on a great casino with live games to play at. Some reviews are biased in that they’ll gloss over any negatives and focus on the positives. Lots of reviews, on the other hand, are more fact-based and take into account both the good points of a casino and the not-so-good points. Any good no objective casino review will take into account many different aspects, including the following:


The backbone of any casino is its games. The average online gambling site today has several hundred of them, while there are some that even have over a thousand or so. A no objective casino review will simply comment on the casino’s games collection without really passing judgement on it. The review should tell readers how many games there are (usually a near-exact number is given), as well as what different types of games there are (e.g. slots, progressive jackpots, table games and others) and what providers the games come from (e.g. Playtech, Microgaming and NetEnt, to name a few). The review should also state whether new games arcaded regularly and whether the games collection as a whole is organised in a way that makes it easy for players to find whatever they’re looking for.


A typical online casino has several promotional offers available, along with a welcome bonus for new players. Reviews nearly always cover the casino’s promotions, informing readers of what bonuses are on offer and what requirements and/or restrictions there are to them. Some reviews, however, either just focus on the welcome bonus or omit both the welcome bonus and the ongoing promotions altogether. The reason for this is that many promotional offers only run for a limited amount of time. By the time the review has been written and posted online, promotions that have been written about may well have expired.


It’s very important that casinos are safe and secure. Players should be able to trust that the gambling establishment will safeguard their money, as well as all of their personal and banking details. Reviews should inform the reader of whether or not a casino appears to be safe. All casinos should have an active gambling licence from a reputable third-party authority such as the Malta Gaming Authority or the UK Gambling Commission. Such a licence is a sign that the house has been vetted by an independent organisation and has been deemed reliable and trustworthy. You should always play at a casino with a licence, and a review should always confirm that the casino being reviewed does indeed have a licence. If the entity doesn’t have one, the review should mention this and encourage players to consider choosing a different casino instead.

Customer Support

One of the most necessary parts of an online gambling establishment is its customer support options. Players need to be able to quickly and conveniently get in touch with the staff to solve any issues, ask questions or register complaints. Most casinos offer an email address and have a live chat feature, while many also provide a phone number and social media links. Reviews should summarise what options there are available for customer support, and what the availability and wait times for them are.


Casinos typically accept around half a dozen or so payment methods. The list of accepted payment methods nearly always includes Visa and Mastercard, with other popular options including Skrill, Neteller, PayPal and Maestro. A good review should summarise what options there are for making deposit and withdrawals at the casino – note that at a lot of casinos, some deposit options can’t be used for withdrawals. What should also be covered in a review is how long you can expect to wait for deposits and withdrawals to take place (deposit are usually instant; withdrawals can take several working days depending on the payment method used) and whether there are any fees and limitations.

A no objective review is simply a review that doesn’t have any clear intention – it’s simply written to provide readers with the bare-bones facts of what the gambling site has to offer. The points listed above are the major ones that any good review should cover. Some reviews may go into more depth and cover more aspects, while others may just focus on the most important ones. If you’re stuck on deciding on a casino to play at, check out some objective reviews and see which casinos suit your tastes best.


Glasgow Airport, as most other airports in UK, saw a massive increase of the passengers passing through. We’re looking at record numbers here. 29 June was the busiest-ever June day, with 38,000 passengers going through the airport.

What does this mean for parents traveling with children? We’re looking at a very busy environment that may trigger anxiety for your kid. Maybe your kid doesn’t suffer from social anxiety and you’re not worried, but you should know that extreme crowds can be overwhelming nevertheless. It’s important for you to stay calm and make your kid feel as secure as possible.

Fortunately, Glasgow airport provides an adequate environment for that. Instead of going unprepared and wondering what to do while you’re waiting, you can simply go through this guide and save yourself and your kid from loads of stress.


  • Keep the Babycare Facilities to Mind


If you need to change your baby and you’d like some privacy during the process, you can get it at Glasgow Airport. You’ll find several baby-changing areas, and all of them are clearly indicated at the airport’s website.

No matter where you are at the moment, you can easily locate such a facility nearby, without the need to change floors or walk too far.


  • If You Have More Time, Benefit from the Play Area


You’ll find puzzle tables on different locations at the airport, so you can easily entertain your kid while waiting. If you want real entertainment, however, it’s smart to go to the children’s play area. The Kids Zone, located right after gate 27 on the west pier, is a soft play area that’s free of charge.

When you allow your kid to have fun while waiting, they won’t perceive the flight as something scary. Plus, play will get them a bit tired, so they will be ready for a nap as soon as they get on the plane.


  • Feel Free to Eat at a Restaurant


Glasgow Airport gives you plenty of restaurants and bars to choose from. Most of them will offer high chairs for your kids, as well as kid-friendly menus. If you need to heat your own baby food or milk, just ask for hot water from the catering outlets and they will provide it for you.

From personal experience, it’s extremely important to get some comfort while eating at an airport. I was transiting through Glasgow Airport and I had three hours to spend there, so a restaurant was definitely on the menu. I picked a random one, asked for a high chair, fed the kid, and did my thing writing for a book reviews service while she was taking a nap.

We managed to get a lot out of those three hours, and the comfortable setting made that possible. I recommend planning this part of your trip way ahead. Glasgow Airport gives you a clear list of restaurants and bars at its website, so it’s easy to make a choice beforehand.


  • Bring a Small, Easily Portable Stroller


The umbrella-style, fully collapsible stroller is the perfect choice for traveling with your kid. But it’s quite difficult to fold it on your own if you’re traveling alone and you have to hold the baby while doing that. So make sure to get a really light stroller that you can fold and unfold with one hand.

You’re allowed to take a small foldable stroller with you on the plane, but make sure to inform yourself about the dimensions. Different airlines have different rules. Keep in mind that if it goes over dimensions, the foldable stroller will replace the child’s hand baggage allowance.

As for the car seat, it depends on the carrier. Most flights that leave the UK allow adults to hold children in their lap, if they are up to two years of age. But this is not the safest option, given the fact that turbulence can come out of the blue. It’s important to check the guidelines by the airline and see if you can reserve a seat with a carrycot position.


Traveling with children is never easy. You worry about their safety and comfort, and you constantly get mean looks from the other passengers. Glasgow Airport makes the experience as convenient as possible for you. It’s important to know your options and organize your transit before you get there.

Authors Bio:
Mary Whitman is a freelance writer and freelancer based in Adelaide, South Australia. In her spare time, she enjoys talking about Sustainable Development and Art.

West College Scotland has partnered with Elior UK (one of the UK’s leading hospitality companies) at Ibrox stadium under the guidance of award winning chef Jav Aziz.

We are looking for people with a positive attitude, who are willing to learn in a fast moving environment to take part in a unique and exciting opportunity to develop their professional cookery knowledge and skills.

This opportunity is open to a very limited number and will involve training and working

within the stadium’s hospitality and function kitchens and restaurants as well working

with staff from West College Scotland at Ibrox Stadium.

A recruitment event including interviews will take place at Ibrox stadium in late August

2018 and the 14-week course will commence before the 1st September 2018.

Entry Requirements

There are no formal entry requirements required, although experience in hospitality would be beneficial.

Want to find out more or apply?

To find out more about this unique opportunity and to apply click here (http://www.westcollegescotland.ac.uk/courses/course-directory/courses/hospitality-professional-cookery/wcs-and-elior-culinary-development-at-ibrox-stadium)


South Africa, just like most African countries, has a wide range of attractive features. Since the end of the apartheid, this African country located in the southernmost end of the continent has set itself has the top tourist destination in Africa. The country is famous for Table Mountain, wine route, beautiful beaches, Cape Town, and game viewing in national parks such as Kruger among others. If you are looking for food, wine tour, or rugged adventure, you will get it also in South Africa.


In fact, the country is the preferred destination for most Westerners as they speak English, have diversified cosmopolitan and modern culture. It’s important to plan your visit in advance before you decide to fly to the South African country. Just know what to expect!


Here we look at five things you need to know.

Security in South Africa

Recently, the country has been hitting the headlines for the wrong reason: high crime rates. The social issues may be frightening and you may think the country is not safe to travel. Well, some of these happen in places not frequented by tourists. You can enjoy your trip in South Africa without being in a state of panic.


The locals are very friendly and always ready to help if you need any sort of assistance. Therefore, the issues of security should not deter you from visiting this awesome country. What you need to avoid is wearing flashy jewelry, listening to your iPod or playing your smartphone in public to shun attracting attention.

Languages Spoken in the Country

South Africans speak English as their second language. So, you won’t expect a communication barrier while in the country. Furthermore, there are 10 more local languages spoken in South Africa. Therefore, if you decide to learn the basic terms of the local dialect, make sure you research the languages spoken in the areas you want to visit since not everyone speaks the ten languages.

Hire a Car or Take an Uber to Travel Around

Driving yourself in South Africa is relatively safe and the best way to travel around the country. It’s so cheap to hire a car. If you decide to drive yourself, remember that South Africans drive on the left side. Additionally, make sure that you get full insurance protection and avoid driving after the dark. If you decide against hiring a car, never hire a taxi service as the drivers will exploit you. Instead, take an Uber or the private buses companies operating across the country.

South African Cuisine

The country’s cuisine has been influenced by its colonial past and indigenous cultures thus making it a multicultural in nature. Some of the countries that have influenced South African cuisine include the UK, the Netherlands, India, Portugal, Germany, and Malaysia. You will get to see the flavors represented in their traditional dishes. Whether you would like to try traditional dishes or delicious vegetarian, South Africa offers it all!

South Africa is a Vast Country

The local aircraft operators such as the Kulula Airlines offer flight services across the major South African cities. Mostly, tourists are attracted to these bigger cities such as Durban, Johannesburg, and Cape Town. Beyond the bigger cities, there are also other major attractions. Therefore, you need to plan your routes beforehand as exploring the entire country can take months.


South Africa is the best country to visit in the African continent. Just know a few things here and there to avoid surprises while in the Country. Furthermore, safety should not be a deterrent from visiting the country as security issues are rare in places frequented by tourists.


Gambling in a Nutshell


Gambling as an activity has been present since the earliest human civilizations. Some pieces of evidence date even back to Mesopotamia, where the earliest six-sided dice was discovered, and it’s estimated that it is around 5000 years old! Card games and dominoes were very popular in China in the 10th century and Japan in the 14th century. Poker, which can be considered as one of the most desirable games around the globe, dates back to 1600’s and it is considered that it evolved from its predecessor As-Nas, which was an ancient Persian game. So, as one can notice, gambling has always been one of the most popular secondary activities for all kinds of society members.

The first ever established casino on the European soil is known by the name of Ridotto. It was founded back in the 17th century in Venice, under the condition that it provides the services during the carnival season only. On the American continent playing for money emerged somewhere in the 19th century and it was performed in the establishments called saloons. In 20th century casino playing begun its legalization process in the United States, starting with the State of Nevada.

Technological improvements and discoveries didn’t bypass this industry. The progress in the IT industry led to the establishment of the first ever online casino back in 1994. This event turned the market literally upside-down. More and more people started turning towards online playing for real money, which led to further market development that has brought outstanding games offered by excellent online casinos, such as the BETAT Casino.

Online Betting in Europe

The year 1992 was important for the European market because that’s when the members of the EU had their first discussion about the regulations of these activities. However, the final decision was that there will be no forming of the special EU gambling sector that will pass legal acts to which each state will have to be obliged. Each state has the complete autonomy in the regulation of casino services.


The abbreviation EGBA stands for the European Gaming and Betting Association. This organization represents all EU licensed operators in the field of online casino playing and betting. It consists of seven online corporations and possesses three affiliates, which are, in fact, national associations such as the Gibraltar Betting and Gaming Association.

The main goal of the EGBA is to create and provide a secure and dependable online casino environment for the players. This is achieved through regulating consumer protection and offers brought by online casinos, which should be “attractive enough to appeal to the maximum number of players so as to channel them away from unregulated offers”.

National Jurisdictions

Europe is known for a large number of online jurisdictions, given the fact that countries have the autonomy when passing the legal acts. Before we continue further, let’s bring to mind a few facts about jurisdictions: jurisdictions represent certain regions in which the industry is being regulated through various legislations. Each jurisdiction usually possesses an organization that issues and regulates operating licenses. Well, Europe is home to a large number of jurisdictions. However, some of them can be considered as members of the EU, while the others are totally independent. The following jurisdictions are EU members: Alderney, Gibraltar, Isle of Man and Malta. Additional details about the jurisdictions in this industry can be found by visiting Gambling Sites.


Casino Services in the UK


All casino services in the United Kingdom are under the regulations of the Gambling Commission (UKGC), formed by the Gambling Act, which was passed back in 2005.

The Gambling Act had three main objectives to fulfill: to prevent gambling to become a source or to become associated with crime or disorder, to ensure fair casino services and to protect children and sensitive persons from this activity.

The act also brought the UK Gambling Commission, which became responsible for overseeing the market participants through issuing licenses to both land-based and online casinos. The UKGC doesn’t only issue licenses, it also revokes them and thoroughly monitors currently issued licenses just in order to ensure the whole industry is fair and secure for the players, as well as efficient.

Although the Gambling Act forbids services to all operators not licensed by the UKGC, there are several exceptions. The following jurisdictions are put on the whitelist and operators licensed by them can provide services to the UK customers: Alderney, EEA, Gibraltar, Antigua & Barbuda, Tasmania, and Isle of Man.


As one can notice, casino playing is a strictly regulated activity, mostly towards the player’s protection and safety. And all in order to provide a perfect environment for everyone to enjoy his favorite game!


Launching a start up is an enormous moment and one which will fill any entrepreneur with great pride whether it is their first company or they have started a few. It can also be a scary time as there is a huge amount of work to be done and you also hear many horror stories of start ups falling flat straight out the gate, but this does not have to be your experience provided you follow good advice and work hard. There are a few helpful tips and tricks that any experienced entrepreneur will use when first launching the company and these can help you to get off on the right foot:


Find A Gap In The Market


First, you need to know the market inside out so that you know how you can thrive. Carrying out thorough market research so that you can identify a gap in the market, who your target customer is and what your competitor’s strengths and weaknesses are will put you in a good position to succeed straight off the bat.


Utilise Internet Marketing


The biggest challenge that start ups face is getting noticed and especially when operating in a fiercely competitive industry with big names. This is where internet marketing is a secret weapon as it allows small businesses to boost their visibility online and compete with the biggest names in the industry. You will want to find an agency, like Click Intelligence, that offers SEO, paid search, paid social and similar services so that you can benefit from powerful long and short-term results. Additionally, you will need an expertly designed website that is clean, attractive, up to date and easy to navigate. This can all cost a fair sum, but it is money well spent for start ups looking to get noticed immediately.


Brand Identity


You will also need a strong brand identity if you are to succeed and particularly if your company provides similar products/services to the competition. Creating a strong brand identity that will appeal to your target audience will help your company by enticing the consumer to your brand and also helping your company to stick in their mind. Creating a strong brand identity will mean having a pleasing name, a great slogan, a high-quality logo and an appropriate personality for your industry.


Get Involved In The Local Community


Having a strong presence online and being active across social media is important, but you shouldn’t forget about getting out and involved in the local community to increase brand awareness. This could include hosting a BBQ, supporting local causes, putting on lectures and generally getting involved with the public to paint your organisation in a positive light.


Follow the above advice and it will help your start up to hit the ground running and gain a large following. It can be very difficult for a new company to get noticed in a competitive marketplace, but with careful planning and smart use of money, you can stand out from the crowd and appeal to a huge base.


Life can be incredibly expensive and unpredictable. There are times where you may need to quickly boost your income, and this could be to pay for an emergency repair, purchase a new car or simply to cover you for the month. This can be incredibly stressful and particularly when you do not have access to any savings, but there are a few options available to you. If you are suffering from restless nights and are keen to find ways to boost your income, read on for a few tips on how you can go about doing this.


Get Another Job


One way to boost your income is to take on a side job. This can be difficult and particularly if you are currently in full-time employment, but there are lots of great ways to enhance your income. Part-time jobs like bartending or driving for Uber can be good options, but you could also opt for various online jobs such as freelance writing, or web design, for example.


Ask For A Raise Or Look For Promotion


If you have been in the same position and on the same salary for a long time, you could ask your employer for a raise. This can be intimidating, but you will not receive one if you do not ask so strike up the courage and you could be pleasantly surprised. Alternatively, look to climb the ladder via a promotion to see if you could earn more money this way.


Take Out A Loan


If you need access to a large sum of money quickly, you might find that a loan is your best bet as these can be a fast and easy way to quickly boost your income. You can find loans with no guarantor if you would prefer and these can be highly flexible in the amount of money that you borrow and the repayment terms.


Sell Personal Items/Assets


It is now incredibly easy to head online to sell your personal items, and this can be a great way to improve your income whilst de-cluttering your house. If you need a large sum, you could consider selling assets like your car.


Rent Out A Room


The rise of sites like Airbnb has made it incredibly easy for people to rent out a spare room and this is a fantastic way to boost your monthly income provided that you do not mind sharing your home with someone on a short-term basis. If you have a holiday home, you could also rent this out as a way to bring more money in each month.


These are your main options if you want to boost your income. They are all effective, but particularly if you do them in combination with one another, as this may soon see your financial situation change for the better. Money can be a huge stress and particularly when you need to be earning more or if there is an unexpected expenditure, but there are always options available to you.