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Taxi safety :Cross Stitch – Travel and transport

Travelling by taxi or minicab is generally very safe, but it is important to take sensible precautions, like making sure the vehicle is licensed. Find out what you can do to stay safe. It is a good idea to: make a note of the number plate and driver’s licence number and text them to someone […]

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Motor vehicle documentation and learner driver requirements :Cross Stitch – Travel and transport

This Highway Code applies to England, Scotland and Wales. The Highway Code is essential reading for everyone. Driving licence. You MUST have a valid driving licence for the category of motor vehicle you are driving. You MUST inform the Driver and Vehicle Licensing Agency (DVLA) if you change your name and/or address. [Law RTA 1988 […]

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Warm Home Discount Scheme :Cross Stitch – Pensions and retirement planning

The Warm Home Discount scheme provides help for some vulnerable people with their energy costs. Find out about the help that will be available in winter 2012/2013. You may qualify for this £130 energy discount if on 21 July 2023 (the qualifying date) you are either: aged under 80 and receiving only the Guarantee Credit […]

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Defnyddiwr y ffordd a'r gyfraith :Cross Stitch – Teithio a thrafnidiaeth

Mae Rheolau’r Ffordd Fawr yn berthnasol i Gymru, Lloegr a’r Alban. Dylai pawb ddarllen Rheolau’r Ffordd Fawr. Mae’r rhestr isod i’w gweld ar ffurf byrfoddau ledled y Rheolau. Nid yw wedi’i bwriadu i fod yn arweiniad cynhwysfawr ond, yn hytrach, fel canllaw i rai o bwyntiau pwysig y gyfraith. I gael union eiriad y gyfraith, […]

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Inheritance Tax and the probate process :Cross Stitch – Money, tax and benefits

Probate (or confirmation in Scotland) is the system you go through if you’re handling the estate of someone who’s died. It gives you the legal right to distribute the estate according to the deceased’s wishes. Inheritance Tax forms are part of the process even if the estate doesn’t owe Inheritance Tax. If the deceased left […]

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Yn sâl neu wedi anafu :Cross Stitch – Arian, treth a budd-daliadau

Mynd i’r prif gynnwys Nodwch fod gan y wefan hon system allweddumynediad llywodraeth y DU Gwasanaethau cyhoeddus i gyd yn un lle Hafan Cysylltiadau Ei wneud ar y we Newyddion Dydd Mercher, 3 Hydref 2012 Yn sâl neu wedi anafu Allweddumynediad llywodraeth y DU

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Gwasanaeth gwirio premiwm :Cross Stitch – Moduro

Fe allwch chi ddefnyddio’r gwasanaethau gwirio premiwm i gael rhywun i wirio’ch cais a’i hanfon i’r Asiantaeth Trwyddedu Gyrwyr a Cherbydau (DVLA), wrth ichi wneud cais am drwydded yrru cerdyn-llun. Mae’r gwasanaeth ar gael mewn rhai o ganghennau Swyddfa’r Post® neu swyddfeydd DVLA lleol. Nid yw’r gwasanaeth hyn ar gael am geisiadau ar-lein. Fe allwch […]

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Atal y broses fabwysiadu :Cross Stitch – Rhieni

Os yw eich plentyn yn y broses o gael ei fabwysiadu a’ch bod chi ddim am i hyn ddigwydd, dylech geisio cyngor cyfreithiol ar unwaith. Gall yr asiantaeth fabwysiadu hefyd eich darparu â gwasanaethau gweithiwr cymorth annibynnol i’ch cynghori ynghylch eich hawliau a’ch cyfrifoldebau. Mae’n bosib y gallwch gael cyngor a chynrychiolaeth gyfreithiol yn y […]

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Choosing and using a financial adviser :Cross Stitch – Money, tax and benefits

If your finances are complicated or you need advice on a particular financial product a financial adviser can help. Firms must be authorised by the Financial Services Authority (FSA) to advise on most financial products. This means they must follow certain rules and standards when dealing with you. The FSA regulates financial advice for most […]

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Cynlluniau cynilo arian a chyfrifon i blant :Cross Stitch – Arian, treth a budd-daliadau

Os oes gennych unrhyw blant neu wyrion a wyresau, efallai y byddwch yn awyddus i agor cyfrif cynilo iddynt er mwyn eu hannog i gynilo o oedran ifanc. Yn gyffredinol, mae cyfrifon cynilo plant yn gweithio yn yr un ffordd â chyfrifon oedolion, ond mae rhai cynlluniau ar gyfer plant yn benodol. Mae banciau a […]

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Things to do in the countryside :Cross Stitch – Environment and greener living

There are many ways you can enjoy the countryside whatever your age or ability. From walks that offer increased accessibility for disabled people to horse-riding and cycling – there is something for everyone to join in with outdoors. Walking is a great way to get fit and improve your health. There are organised health walks […]

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Shoppers: ways to be greener :Cross Stitch – Environment and greener living

From manufacturing and transport to packaging and use, the everyday things you buy can have a significant impact on the environment. The choices you make when you go shopping can reduce your carbon footprint and save you money. Look for the Energy Saving Trust Recommended label To make long-term energy savings, keep an eye out […]

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A-Z of central government :Cross Stitch – Directories

Lists central government departments, executive agencies and non-departmental public bodies Contact information for the Adjudicator’s Office, which investigates complaints about HM Revenue & Customs Contact details for the Appeals Service, which arranges and hears appeals on decisions regarding: Pensions Credit, Child Tax Credit, Compensation Recovery, Tax Credit, Vaccine Damage , Council Tax Benefit , Housing […]

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Tyfu eich ffrwythau a'ch llysiau eich hun :Cross Stitch – Yr amgylchedd a byw'n wyrdd

Gall tyfu eich bwyd eich hun fod yn ymarfer corff da a gall arbed arian i chi. Hefyd gall ddarparu cyflenwad iach o ffrwythau a llysiau ffres a thymhorol i chi. Mae’n hawdd dechrau arni a gallwch dyfu planhigion mewn llawer o lefydd, hyd yn oed os nad oes gennych ardd. Mae mwy o bobl […]

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