My Short Break in Aberystwyth

My Short Break in Aberystwyth

I have just returned after a three-day break in the Welsh coastal town of Aberystwyth.

It was actually my third visit to Aberystwyth. I first went there a couple of years ago on the recommendation of friends, and liked it so much I have gone every year since.

On previous occasions I stayed at the Marine Hotel on the seafront overlooking the North Beach. The Marine is a traditional seaside hotel and I do like and recommend it, even though the reception staff can be a bit glum 😀

This time I fancied a change, though. I have been impressed by my recent forays into self-catering (especially on my recent visit to Yorkshire), so I decided to see what was available in that line in Aberystwyth. I ended up booking three nights at the Seabrin apartments, pictured below.

Seabrin apartments

Seabrin is situated overlooking the seafront at the quieter South Beach, not far from the harbour. I have embedded a map of the area below (courtesy of Booking.com).



Booking.com

The Accommodation

There are actually three apartments at Seabrin, all self-catering (at one time the owners offered B&B, but for various reasons they no longer do so).

The top floor apartment is the smallest and has one double bed. The second floor apartment (which I stayed in) has a double bed and a single bed, all in the same room. The first floor apartment is the largest with two bedrooms, so can easily accommodate three or four people. All three apartments have sea views.

The owners, Marise and Wilf, live on the ground floor, so they are usually around if you need anything.

I found my apartment comfortable and spacious. There was a lounge with TV and DVD player and a bay window with wonderful views overlooking the beach and sea. I spent quite a bit of time just sitting here looking out, hoping to see dolphins in the bay. Marise told me that dolphins had been spotted the week before, but the sea was probably just a little too rough while I was there. It was still wonderfully relaxing, though.

There was a separate kitchen, well equipped with electric cooker, dishwasher, microwave, fridge/freezer, and so on. The bedroom was at the back of the house, with a good-sized shower room a couple of steps down from it. The separate WC with wash hand basin was outside the bedroom at the end of a short corridor. It’s a slightly eccentric layout, but does mean that if there are two of you, one can take a shower while the other is, er, washing their hands.

The decor in the apartment was a little quirky – the glittering glass-covered kitchen wall reminded me of a nightclub – but obviously for a few days that’s not a problem. There were lots of books around the apartment which made me feel at home, and a selection of videos too.

As far as eating is concerned, Seabrin is only a short walk from the town centre, so there are plenty of restaurants nearby and shops for buying provisions. There is a large Marks and Spencer’s with a food hall, where I bought a couple of ready meals. On my last night I intended to eat out, but couldn’t get a table at The Olive Branch, the Greek restaurant I have been to before. I ended up getting a takeaway meal from The Seafront Palace (just round the corner from The Olive Branch) instead. I ordered Sweet and Sour Chicken Hong Kong Style with Egg Fried Rice. It was delicious, so I highly recommend it if you visit Aberystwyth and fancy a Chinese!

Seabrin has free wifi, which worked perfectly during my stay (not always the case in my experience). The location is quiet and peaceful, and I slept very well.

Financials

As Pounds and Sense is primarily a money blog, I should say a few words about this.

I paid £375 for my three-night stay in the one bedroom apartment at Seabrin, which I thought was reasonable. I paid an initial 70% deposit of £262.50 when I booked (in March 2019), with the balance of £112.50 payable a month before my holiday dates. Note that these payments are not refundable if you cancel, so you need to be pretty sure you are going before putting your money down. Or take out separate holiday cancellation insurance, of course.

Costs obviously vary according to the accommodation you want, when you want it, and for how long. The price I paid worked out to £125 a night, which – as I said above – seemed reasonable bearing in mind the location and what you get for your money. Of course, unlike most hotels, you don’t get a cooked breakfast, and neither is a daily housekeeping visit included. On the positive side, though, you do get much more space, a fully equipped kitchen, a separate lounge and bedroom, and complete privacy during your stay.

One other thing to bear in mind is that Seabrin do not allow dogs in the property or children under the age of 12.

You can check current prices and availability on the Booking.com website. You can book this way (which I did) or directly with the property. The latter method may or may not work out cheaper.

Things to Do

I shan’t give you a blow-by-blow account of what I did while I was there. However, I will highlight a few of my favourite attractions in and around Aberystwyth.

1. Constitution Hill

This is the famous promontory at the northern end of Aberystwyth (see cover photo). If you’re feeling energetic you can walk up it, or for a few pounds you can take the historic Cliff Railway. A standard return ticket on this costs £5, but over-60s pay just £3.50.

Cliff Railway

At the top you can enjoy spectacular panoramic views across Aberystwyth. You can also visit the Camera Obscura, which on a bright sunny day is very impressive (not so much when it’s cloudy, though). I also recommend a coffee and slice of cake at the Consti Cafe. They serve excellent cappuccinos, and also have free wifi which works without having to log in. I’ve spent an hour in here just enjoying coffee and Welsh cakes and reading my newspaper 🙂

2. Vale of Rheidol Railway

This heritage steam railway will take you on an hour-long journey from Aberystwyth along the beautiful Rheidol Valley to Devils Bridge. You can read more about it on the railway’s website and book tickets as well. It’s possible to upgrade to first class for £3 on the day (one-way only), but having done this I’d have to say I don’t see much point. I actually found the standard class carriages (and seats) more comfortable.

Vale of Rheidol Railway

Devils Bridge itself is well worth a look if you have time before getting the train back. Three bridges were built here, one on top of the other (at different times, obviously). There are two walks you can take for a small fee. The Punch Bowl walk costs £1 and gives you a chance to view the three bridges and the the stream that flows under them. The other, longer walk takes you the other way from the bridges, past some stunning waterfalls. This costs a maximum of £4 at the time of writing, though there are some discounts for older people and children. As for why the place is called Devils Bridge, I’ll leave you to find that out for yourself!

3. Ceredigion Museum

The Ceredigion Museum in the centre of Aberystwyth is free to visit and a great option for a rainy day. It’s in a beautifully preserved Edwardian theatre, with many of the original fixtures and fittings still in place. There are fascinating displays here on all aspects of Welsh life and Welsh history.

Ceredigion Museum

4. Bwlch Nant yr Arian

I visited this ‘forest centre’ a few miles out of Aberystwyth on the A44 for the first time this year. There are various scenic trails you can walk (or run) from the centre, and a number of mountain biking trails as well. The highlight for me, though, was the Red Kite feeding, which takes place at 3 pm every day in the summer. Once their food has been put out, the skies fill with these magnificent birds (I counted over 100). Whether or not bird-watching is your thing normally, it’s something to marvel at. Here’s a link to the website for more info. And yes, there’s a nice coffee shop as well!

Final Thoughts

As you may gather, I enjoyed my short break in Aberystwyth staying at Seabrin Apartments, and am happy to recommend both the town and the accommodation for a short break. Aberystwyth is a bit quieter and less commercialized than Llandudno (though I also like it there), and the fact that it’s a university town means it has quite a cosmopolitan feeling. It’s a good place to chill out, but there are lots of interesting things to see and do as well.

As always, if you have any comments or questions about this post, please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media:
Need a personal assistant? Ask Remote Bob!

Need a Personal Assistant? Ask Remote Bob!

Lots of us need some extra help at times, but we don’t want the hassle (or expense) of hiring an employee. If that applies to you, have you considered using a remote (or virtual) assistant?

As the name suggests, remote assistants don’t work from their client’s premises. Rather, thanks to the power of the internet and electronic communications, they work remotely from another location, which might be an office or their own home.

They could therefore be based anywhere in the world as long as it has the connectivity required. For cultural and communication reasons, however, there are obviously advantages to using assistants in the same country or area.

So how do you hire a remote assistant? There are various methods, but if you want a simple, cost-effective solution, you might like to check out Remote Bob. This fast-growing company has offices in London and Croatia and offers a remote assistant service to individuals and businesses across the UK (and further afield).

So what services can you expect your remote assistant (or team) to offer? Here are just some of the services Remote Bob offers to individuals:

  • Planning holidays
  • Ordering groceries or food
  • Booking sports activities and hobbies
  • Organizing holidays
  • Searching for a new flat or apartment
  • Helping with online clothes shopping
  • Helping with picking restaurants
  • Filling in some forms on your behalf
  • Managing your household
  • Managing your lifestyle
  • Buying birthday presents
  • Managing personal budgets
  • Research on properties to buy

For entrepreneurs and businesses, the services Remote Bob offer include:

  • Supporting office teams and directors with general operational tasks
  • Scheduling and coordinating meetings, appointments, presentations, and other office-related events
  • Opening, sorting and distributing incoming electronic correspondence
  • Handling requests by answering questions and providing information and data
  • Organizing and scheduling travel arrangements
  • Booking conference calls, rooms, taxis, couriers, hotels, etc.
  • Developing and updating administrative workflow to improve efficiency
  • Preparing and modifying documents including correspondence, reports, drafts, memos and emails
  • Assisting in the preparation of presentation materials and agendas for meetings
  • Maintaining electronic filing systems
  • Resolving administrative problems and inquiries
  • Performing general accounting and bookkeeping duties
  • Examining and reconciling expense reports of office staff
  • Writing letters and emails on behalf of office staff
  • Maintaining up-to-date employee holiday records

The staff working at Remote Bob are all EU-based, thus minimizing any potential issues with time zones and significant cultural differences.

Remote Bob handle people management, regulatory arrangements and payroll, so you don’t have to worry about this. They say they only work with proficient, well trained and approved specialists, and pledge to deliver work on time and under budget.

Special Offer

Remote Bob are kindly offering Pounds and Sense readers a huge (36%) discount on their service. By clicking through this link you can request their Personal Assistant service for one month (five hours per week) for £320 per month instead of the normal £500. Just remember to enter the code SENSE2019 in the Discount Code box.

Note that completing the inquiry form does not create any obligation to buy. Clearly everyone will have their own particular requirements for their remote assistant/s, so Remote Bob say, ‘Talk to us, tell us about your goals, your worries and your hopes. We will then construct a customized route for all your needs.’ Only when you are fully satisfied with the proposed solution will you be asked to make any commitment to buy.

I would also highly recommend you spend a little time looking around the Remote Bob website, as this will give you a good idea of the range of services on offer and how the platform works in practice.

As always, if you have any comments or questions about this post, please do leave them below.

Disclosure: This is a sponsored post. If you click through a link in it and make a purchase, I will receive a commission for introducing you. This will not affect in any way the service you receive or the price you pay.

If you enjoyed this post, please link to it on your own blog or social media:
How to Know if You Have Prediabetes

Guest Post: How to Know if You Have Prediabetes

Today I have a guest article for you from my fellow UK blogger Neil Welsh.

Neil has a special interest (and expertise) in diabetes. In this article he talks about prediabetes, a common condition that can lead on to Type 2 diabetes if no action is taken.

Older people – such as many readers of my blog – are particularly prone to this condition. If it develops into full-blown diabetes, it can have life-changing (and potentially life-limiting) consequences. It’s therefore very important to be aware about it and to take action if required. I have a special interest in prediabetes myself, for reasons I will discuss at the end of the article.

Over to Neil then…


 

Prediabetes is no joke. If left untreated it can develop into full Type 2 diabetes in as little as 3-5 years and lead to complications such as nerve damage, heart disease, increased risk of stroke and potential blindness and amputations.

The tricky part is that it’s not easy to know if you are actually prediabetic or not. According to Diabetes UK, an estimated seven million people in the UK have prediabetes: an under-diagnosed condition that makes them up to 15 times more likely to develop Type 2 diabetes.

So what are the warning signs and how do you know if you do have prediabetes?

There are four commonly accepted indicators of prediabetes which are:
– Increased thirst
– Frequent urination
– Fatigue
– Blurred vision

Now, on their own, these are not particularly great indicators. I frequently display a number of these symptoms on a regular basis! So, realistically, these indicators need to be considered in conjunction with other risk factors. You are more likely to develop prediabetes if you have any of these risk factors:
– Being overweight
– Being inactive
– Having high blood pressure
– Having high cholesterol
– Having a family history of prediabetes
– Being of South Asian, African-Caribbean or Black African descent.
– Being over 40 years old

The only way to know for sure if you are prediabetic is to have a blood test. This can either be carried out by your medical professional or using a home test kit.

One of the most effective tests is the HbA1c test. HbA1c refers to glycated haemoglobin. This blood test shows how much glucose (sugar) in your body sticks to your red blood cells. The result tells you your average blood sugar level for the past 2-3 months. If your body is not using sugar properly it builds up in your blood and sticks to the cells.

The longer you have had high blood sugar levels, the higher your HbA1C will be. Less than around 40mmol/mol (6%) is considered normal, 40-47mmol/mol (6.0-6.4%) is considered prediabetic, with anything over 48mmol/mol (6.4%) indicating diabetes. It’s different from an FPG (Fasted Plasma Glucose finger-prick test), which is a snapshot of your blood sugar levels at a particular time, on a particular day.

So what should you do if you are concerned that you might have prediabetes? The number one thing is to act now. Take it seriously and avoid the medical complications that may be around
the corner. Prediabetes is totally reversible. Type 2 diabetes is considered reversible only to the extent that you will be in remission and drug free, but the threat of the condition returning will be constant. The sooner you act on prediabetes, the simpler the reversal process will be.

If you are diagnosed with prediabetes or if you are just concerned that it might be on the horizon then the course of action is the same: make changes to your diet and lifestyle.These changes do not have to be dramatic; in fact, you are statistically better off if they are not. An old Chinese proverb says that it is better to take many small steps in the right direction than to take a great leap forwards only to stumble backwards…and in the case of prediabetes this could not be more true.

Making small changes that are appropriate for you and where you are in your journey is the key to success. Work out where you are now and where you want to be and then take small, consistent
steps in the right direction. It could just save your life!

Neil

About the Author: Neil Welsh specialises in helping people reverse prediabetes. He focuses on working with clients to make changes which product remarkable results. Click here to download Neil’s free Prediabetes Reversal Blueprint, a guide to helping you know what to eat and how to live to stop prediabetes.


 

Many thanks to Neil for an eye-opening article on an important subject that older people (especially) need to be aware about.

I was actually diagnosed prediabetic myself two years ago. How it happened is that on a routine check-up the doctor found I had hypertension (high blood pressure). As I gather is standard in these circumstances, he prescribed various tests to get to the root of the problem. One of these was an ECG – which came out fine – but another was a blood test. My HbA1C result (referred to above by Neil) was in the region defined as prediabetic.

My doctor was actually pretty dismissive about this. He said, “Prediabetes isn’t something we treat.” That wasn’t good enough for me, though, so I researched the topic and read a number of books about it, including the excellent Reverse Your Diabetes by Dr David Cavan. As a result of all this, I made various changes to my diet and lifestyle, in particular cutting down on carbs. To cut a long story short, when I was tested again earlier this year, my blood test results were back in the normal range. My doctor (I have changed to a different one now) said, ‘Whatever you’re doing, keep on doing it!’

I should also add that, probably as a result of losing some excess weight through my diet and exercise regime, my blood pressure has has gone down as well, and I am no longer on any medication for this. Win, win!

Anyway, I hope you will read and note the advice from Neil and download his free Prediabetes Reversal Blueprint. You may also want to check out his Habits for Life programme. By taking action now, you really can reduce the risk of developing full-blown diabetes further down the line. And even if you are already diagnosed with T2 diabetes, both Neil and I believe it is possible to improve your blood sugar control through diet and lifestyle changes and potentially reduce the amount of medication you have to take.

As always, if you have any comments or questions about this post, for me or for Neil, please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media:
Estate Planning: Why Everyone Needs to Think About It

Estate Planning – Why Everyone Needs to Think About It

Estate planning is a subject all Pounds and Sense readers will need to think about. This sponsored post explains why it is so important and the main points to consider.

What is Estate Planning?

Estate planning involves making a plan in advance for the management of an individual’s assets in the event of their incapacitation or death.

Nearly everyone, in some capacity, has an estate – it comprises everything you own. It can include assets such as your properties, cars, cash, jewellery, land, investments and savings.

The objectives of estate planning usually include:

– Outlining who your beneficiaries are
– Settlement of estate taxes, while minimising taxes, court costs and unnecessary legal fees
– Assigning guardians for your children if they are minors
– Naming an executor of the estate to oversee the terms of the will
– Outlining any funeral arrangements and preferences

Most estate plans are drawn up with the help of a lawyer specialising in estate law.

Standard Documents Used in Estate Planning

A will is (of course) the foundation of estate planning, but your plan may also include documents such as:

Living Will: An advance decision allowing you to express your preferences and wishes regarding medical treatment, in circumstances in which you are not able to give your informed consent.

Durable Power of Attorney: A legal document that enables the person you have appointed to make decisions and act on your behalf if you become incapacitated or mentally incapable of doing it for yourself.

Life Insurance: A legal contract that states how much money the insurance company will pay to your loved ones if you die. It can help ensure that your family can cover funeral costs and pay off any outstanding debts you may have, as well as maintain their standard of living.

Trusts: Created when ownership of assets is transferred to a trustee and instructions are provided for the trustee to use those assets for the benefit of a beneficiary.

The legal process of determining the authentication of a will is known as probate.

Estate Planning and Tax

Most individuals explore estate planning solutions that minimise the amount of tax their beneficiaries will have to pay on their estate. Government-imposed taxes will potentially reduce the estate’s value before the assets are distributed to beneficiaries. For example, when someone dies, Inheritance Tax (IHT) will need to be paid if the value of the estate is above £325,000.

To ensure that your assets will be distributed according to your wishes, there are important points to consider, such as:

Inheritance Tax Exemptions: IHT normally doesn’t apply if the value of your estate (the property, money and possessions) is below the threshold, or if you leave everything above the £325,000 to your spouse, civil partner, or a charity.

Donating to Charity: Giving to charitable organisations while you are alive can minimise the estate’s tax liability after death. The charitable donation won’t count towards the total taxable value of your estate; this is called leaving a charitable legacy.

The Best Time to Do Your Estate Plan

The best time to prepare is now – you can always put something in your plan now and change it at a later date. Many families are caught off-guard by an unprepared death or incapacity, and the added uncertainty of factors that would potentially be addressed in an estate plan can make the situation more stressful. Knowing you have prepared a plan that will protect your family and respect your wishes will give you and your family peace of mind.

No one likes to think about their mortality or the possibility of no longer being able to make their own decisions, but estate planning is a considerate and thoughtful thing you can do for yourself and your loved ones.

As always, if you have any comments or questions about this post, please do leave them below.

Disclosure: This is a sponsored post on behalf of TriplePoint Estate Planning Solutions.

If you enjoyed this post, please link to it on your own blog or social media:
Now You Can Switch Your Mobile Network with One Free Text Message

Now You Can Switch Your Mobile Network with One Free Text Message

As from today (1st July 2019) you can switch your mobile network provider with just a single text message. This is good news as it makes switching and saving money even easier.

If you want to keep your current number (as most people do) the process now is as follows:

1. Request a switching code by texting PAC to 65075. This is a free call.

2. You will then immediately receive a PAC (Porting Authorization Code) from your current provider.

3. You then pass this code on to your new provider when you sign up with them. They are obliged to switch you within one working day.

If you don’t want to carry over your current number, there is a slightly different procedure.

1. Text STAC to 75075 to request a Service Termination Authorization Code.

2. You then pass the STAC you receive onto your new provider. There is no need for you to contact your current provider to cancel your contract with them.

Either way, you should also receive information from your current provider about any early termination charges or pay-as-you-go credit balances that may apply.

PACs and STACs are valid for 30 days, after which if they haven’t been used they simply expire. You would then need to request another one.

This new method makes it easier and less hassle to change mobile service providers. In particular, it avoids the awkwardness of having to phone your current provider and ask them for a switching code. Many people hate doing this, as it gives your current provider the chance to twist your arm to try to persuade you to stay with them.

As regards deciding when and where to switch, that is a topic for another post. However, many price comparison services (e.g. Compare the Market and USwitch) now also allow you to compare prices for mobile phone tariffs and suppliers. I also recommend Billmonitor, a free service that analyses your usage and recommends the best deal for your needs. They send you monthly updates by email as well.

As always, if you have any comments of questions about this post, please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media: