What is Probate?

You may have heard of probate but are not exactly sure off what it is.

In this post we will explain the details so you will have a better idea and more knowledge on the subject.

If a person unfortunately passes away they will most likely have some possessions that will need to be passed on to members of the family or whoever the deceased has wished to give these items to.

Things like property, money, valuables and personal possessions will need to be passed on to the right people and there are certain laws to protect the estate from falling into the wrong hands. You may need the help of a probate valuation services company to help you in this difficult time.

Watch the short video below to explain.

To find a reputable company to help you search for a phrase like probate valuation in london if you are based in the capital.

During difficult times, there may be a dispute between family members about who is entitled to what and this can be a difficult situation.

Probate is the word that describes the legal process of distributing everything fairly and if there is a written Will present they prove or disprove if this a genuine document.

First, everything that the deceased owned will need to be identified and logged. This will include things like and debts that have built up and payments owed on household bills. These will be paid up from the funds.

Then inheritance tax will be deducted from the assets and documents will be drwn up to state and prove how much the estate was worth, the total deductions and the final balance of what is left.

The final balance once everything has been paid off will be distributed fairly to who is entitled to it.




British Businessman Andrew Charalambous

Andrew Charalambous is a British businessman well known for as a rule not charging his many tenants security deposits and admin fees. Neither usually are financial or other references sought for tenants moving into his properties. Because of his ethical housing policy Charalambous was honoured as Outstanding Entrepreneur of the Your 2014 in the Global Business Excellence Awards.

Formerly described as “a different kind of social entrepreneur” by the financial times Charalambous claims that his policy not only helps many potentially homeless persons who do not have access to sufficient funds to rent a property but makes good business sense.

You can read Andrew Charalambous Articles here

Charalambous claims that more often than not his tenants are extremely grateful and the average length of stay in his priorities is more than double that of the national average. This according to him leads to less rental voids, and better landlord – tenant relations. Charalambous believes that the UK housing crisis is essentially a lack is affordable homes to buy and rent. Housing benefit claiming tenants should not be treated as second class tenants. But should also be have a choice of quality accommodation to live in and bring up their families. People should not be discriminated against because they are claiming housing benefit. Charalambous says if government is serious about tackling homelessness then more must be done to encourage and persuade landlords to rent properties on an equal basis to housing benefit recipients. The UK has a dire shortage of affordable homes. 1.8 million people in the UK are on council waiting lists

Charalambous is proof that kindness works in business.

To find out more, you can go to the Andrew Charalambous Blog Page


7 Tips For Getting A European Health Insurance Card?

A European Health Insurance Card is a free health card made available to Switzerland citizens and European economic area members. This card enables members of the European Union to easily access medical care in times of emergencies freely or at reduced cost. Anyone who is above 18 years of age and covered by the National Health Service needs to apply for this EHIC card. Others expected to apply for this card include those who are visit frequently the UK or planning to visit. Application can be done online therefore it is easily accessible to everyone. The process is easy and safe. Here are 7 tips for getting an EHIC card;


  1. The application process is absolutely free so don’t be duped by some scam websites offering to give the card at a fee. If you are a UK resident, you can apply online either by calling the automated EHIC application service or through an online form. The number to call is 0300 3301350. You will need to provide your full names, address, date of birth, NHS number and healthcare number.
  2. You can also apply for an EHIC card and include your partner or any child who is under 19 traveling with you. The same details needed when making an individual application will be required as outlined above. However, you need to remember that EHIC does not replace travel insurance. The card will cover any necessary treatment until you return back to your home country.
  3. Your card becomes obsolete if you move out of the UK for further studies or living abroad. So ensure you currently live in one of the countries included in the European Economic Area.
  4. You may be expected to contribute towards the payment of your treatment although sometimes it is absolutely free. If you are visiting a country you can claim back the money.
  5. You cannot use your European Health Insurance Card to access private hospitals or private healthcare services. This is applicable even if you are visiting member countries of the EU .the card is also not used when paying for cosmetic surgeries like plastic surgeries. The card is also not valid on cruises.
  6. In case of lost or stolen card, no need to worry. The government has provided an alternative in the event of such a case, by providing a document called the Provisional Replacement Certificate [PRC]. This is a temporary document to be used as you await for replacement of the original document. The goo thing about it, is that you can still continue to enjoy the services offered by the card, so quality healthcare is still within reach
  7. The card expires after every 5 years so you will need to ensure it is valid every time you need to access healthcare, including minors who are dependent on you and are below 16 years of age. Therefore ensure you renew the card. It is possible to do so online even several months before; up to 6 months before the expiry date