North West Circular #4

5,500 COPIES

ISSUE No. 004

22nd DEC - 4th JAN 2014

Distributed door-to-door in NW London WEBSITE www.northwestcircular.com

EMAIL info@northwestcircular.com ‫בס''ד‬

TELEPHONE 020 3659 2399

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Martin

LEWIS give youyou £100s a year with with no IfIf II told toldyou youI could I could give £100s a year debt and very little hassle – and all you need to do no debt and very little hassle – and all you need is Ifchange your plastic – purse would–oryou?

If you? the you’ve a family, your wallet is probably to do is change your plastic would If the answer’s yes, read on, isisthe perfect crying. Having Children is anow terrible investment.

You answer’s yes, read on, as as now the perfecttime time tofork grabout aa cashback credit card. many, an an estimated £200,000 per childit’s byit’s thean to grab cashback credit card.For For many, easy and lucrative way toOfboost your income.

time they reach age 21.to course, if you’re happy easy and lucrative way boost your income. to be repaid in hugs, it’s all more than worth it. Yet Now’s because topgo deals will will a fewthe tipsmoment to ease the burdenthe never amiss...

Now’s the moment because the top deals boost cashback first three months you you

boost cashback for forthe the first three months have them.

So apply apply NOWofand and that Arethem. you missing £1,000’s childcare help? lasts have So NOW that boost boost lasts for for one of most people’s highest-spending periods – of one most people’s highest-spending periods – the January sales.

There are two big ways you may be able to get cash the January sales. if you pay for childcare. First, do you work over 16 This canabe serious onepartner of my Twitter hours week (youcash. andAs your you’re a This can be serious cash.

As one of ifmy Twitter followers (@martinslewis), NM,£41,000 told me: “Our couple) and earn under around total?

If followers (@martinslewis), NM, told inme: “Our cashback cards earned us eligable £250+ last year.” This that’s you, check if you’re for childcare tax cashback cards earned us £250+ last year.” isn’t unusual,can I’vebeeven heard of some bigget over credit. serious money - many This isn’tThis unusual, I’ve even heard of some big spenders going theout £1,000 mark. here’s £3,000 agoing year. over To find if you’re due,Socall spenders over the £1,000 mark.

So 0345 here’s what you need to know: 300you 3900. what need to know:

Never pay interest on aemployer cashback card childcare Alternativly, see if on your Never pay interest a cashback offers card Cashback cards only win you if you set up a direct vouchers, which allow pay childcare Cashback cards only win if youtoset upfor a direct debit debit toyour repay IN FULL everyThe month. If not, don’tis pre-tax income. works to from repay IN FULL every month. Ifway not,this don’t go for goyou forgive a cashback card, go for the best 0% for say, go £2,000 a year of salary £2,000 a cashbackup, card, for the best 0% forforspending spending dealsHowever, (see as after tax you’d only have of vouchers. deals (see www.mse.me/spendingcards). www.mse.me/spendingcards). got around £1,400 in your pay packet, it means you’re £600 better off.

Now you’ve got a debit card that pays you Now you’ve got a debit card that pays you credit Your card is now effectively a monthly-billing Your credit card is now effectively a to car ‘I saved adding dad debit card,£3,000 provided youmum stickand within the limit. Use monthly-billing debit card, provided you stick insurance” itwithin for ALL spending instead of cash, cheques and the limit. Use it for ALL spending instead

debit cards.

If you’re in a trusting relationship, ofAdded cash, to cheques and debit cards.

If you’re a the fear of seeing your teenager oninthe add your spouse as a second cardholder, so their trusting relationship, add your as acan second road, the cost of insuring onespouse to drive be spending earns too. spending earns too. cardholder, so their terrifying. One trick, if they’ve their own car, is to try adding extra drivers with good records (eg, Huge 5% cashback over the January Huge cashback Januarysales sales mum5% and dad) whoover maythe occasionally use the car.

The no annual fee www.americanexpress.co.uk The annual fee www.americanexpress.co.uk It’sno trail and error, but can have a big impact, as it Platinum Everyday card pays newbies 5% for the Platinum Everyday paysfollowers newbies (join 5% for did for one of mycard Twitter methe at first three months until January, up to a maximum first three months“As until January, up my to a insurance maximum @martinlewis): a new driver £100 back in that time.

Though if you fail to fully £100 back£5,000. in that time. if you and fail to fullyit wanted After Though adding mum dad, repay, it’s rep APR. repay, it’s 19.9% 19.9% rep APR. dropped to £1,900.”

After the5% 5%ends, ends, the rate’s up to 1.25%, After the the rate’s up to 1.25%, depending on how howmuch muchyou youspend. spend.

It requires depending on It requires a adecent decentcredit credit score and household earnings score and household earnings of of £20,000+. £20,000+.

Cashback Cards

You’ll get the cashback in time for next January With the Amex card your cashback is paid on the However, you must never say someone’s theIn main anniversary of the account opening. effect, driver when they’re not. That’sfrom calledyour fronting and it’s actually subtracted spending. it’s Full info under-25s, Forillegal. example, if on youslashing owedcosts £400forand had £200 including at one cashback, you’dspecial be charged policies, £200. So open www.mse.me/youngcar now and it’s a boost for next Year.

Ensure you’re payinga less power Top card if you’ve lessfor than perfect credit score To get most cashback cards you need a good Lots of people the house means energy credit score.inFrustratingly, thebig only waybills to- find more on fullbut blast, all putting that a out forrooms, sure isTVs to apply, thatheating involves water - it your all adds up. file Ensure you’reyou’re on theaccepted very mark on credit (whether cheapest or not). deal. It only takes a few minutes. Just plug in where you live to an www.ofgem.gov.uk approved comparison siteofand it’ll find for your To find your likely odds acceptance many cheapest. different cards, I’ve built an Eligibility Checker tool at www.mse.me/CashbackEligibility, which tells Alternatively, my free Cheap you your chances without any Energy impact CLub on your www.moneysavingexpert.com/energyclub will do credit score. a comparison for you, including top picks you might miss, and your tariff afterwards For those withmonitors a lower credit score, thetocard ensure you know when to move again. most likely to accept you is the www.capitalone. co.uk Classic Extra. It pays 0.5% cashback, plus a Give pocketbonus moneyif you as pay - otherwise £10 yearly manage it well, you’re paid each ‘trust fund teaching’ January. As it’s primarily marketed as a card to rebuild credit for those with weak histories, even Pocket money’s as a way toget teach some with pastunder-rated CCJs or defaults can it. kids Though core lessons,INprovided you reward you money must repay FULL each month,a work or it’s a ethic, and34.9% don’t just dole it out. It teaches how to hideous APR. manage an income - by having a regular amount of money youcard startgolden to learnrules: the concept of saving Cashback versus spending.

These three facts are so important they’re worth

reiterating: It also incorperates “opportunity cost” - whether a) Always use a monthly direct debit to repay IN they’d be better off spending the same cash on FULL, so it’s interest-free. something else. For a young child this is perhaps b) Don’t use it as an excuse to overspend. “do you want to buy sweeties with your money c) Ensure you’ve got the cash to repay monthly. every week, or save up to get the toy you want?”

Spending on a credit card is huge extra protection By law, buy anything costing £100 to £30,000 and pay, even partly, on any credit card (not debit or charge) and Section 75 laws mean the lender’s jointly liable. So if an item’s faulty, or the retailer goes bust pre-delivery, you can get money back from the card firm. @MoneySavingExpert

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I was recently asked by a clever but shy young man whether it is worth challenging his fear of public speaking. No matter how many times I hear this question it still takes me by surprise as my internal reaction is always an immediate ‘Of COURSE!!!’. But let me break that emotional response down for you into 3 digestible reasons: Top 3 Reasons to Become a Better Public Speaker:

1) You will vastly increase your confidence: Speaking in front of others comfortably is really about being comfortable with yourself. As you learn to face others you will be forced to face your biggest critic - you. Once your ever whispering internal critic is transformed into your biggest fan you will be far happier as a person on a moment to moment basis. With the right approaches this can be a simple and powerful life transformation.

2) You will vastly increase your influence: A wise man recently shouted at me ‘YOLO!!!’

When he saw my vacant expression he explained - ‘You Only Live Once!’ - You have something valuable to share with the world.

Doing it face to face can have a far greater impact than people reading it off a computer screen. Share your greatness with the world -

Public Speaking

income by 10x, 100x and even 1000x depending on how far you are willing to take it. If you’ve got a message, don’t hold it inside - learn how to powerfully deliver it to the multitudes with your own unique flavour and those same people will be glad to pay you handsomely for that value.

The great business philosopher Jim Rohn summed up all three of my reasons in one beautifully succinct statement: “Find a way to serve the many, for service to many leads to greatness” You have greatness inside of you - please don’t hold it back from us.

David Citron, M.A., Director of The UK Centre for Leadership is a therapist, life and business coach who has trained over 500 individuals in public speaking. Previous clients have gone on to take up coveted national media positions and win awards for their public speaking and presentation skills.

David is the author of the upcoming book ‘The Winning Mode - You are Inches from Your Own Success’

‘Our deepest fear is not that we are inadequate.

Our deepest fear is that we are powerful beyond measure... You are a child of God. Your playing small does not serve the world...’

Marianne Williamson 3) You will vastly increase your income: People will pay you according to the value you give them. Therefore it stands to reason that if you are serving larger numbers of people per minute you will get paid accordingly. Public speaking can as a result multiply your current

Download his free DVD ‘Transform Your Life in 18 Minutes’ at www.davidbenjamincitron.com

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"`ad mler oa `edy el ghan mipiicd mipaxd iaeyg zetzzyda dtexi` iagxn mixeriyd icibne

Daf HaYomi B’Halacha THE ENTIRE COMMUNITY IS INVITED T O A W O R L D C E L E B R AT I O N A S

Daf HaYomi B’Halacha completes

'd wlg dxexa dpyn oin Gedolei HaRabbonim, Dayanim, Magidei Shiur, thousands of Dirshu participants and

Amcha Beis Yisrael, in a world celebration of completing Mishna Berurah 'd ‫ק‬lg—to embark on learning ' e ‫ק‬lg and ultimately complete the first cycle of the entire Daf Hayomi B’Halacha program.

This Monday, Dec. 23, 2013 / ‫ע"ד‬y‫ת ת‬a‫ כ' ט‬at 7:30 PM Finchley Synagogue / Kinloss Gardens / London N3 3DU

mei lka zekld dpeyd lk" THIS MONDAY, DEC. 23, 2013 ‫כ' טבת תשע"ד‬ 7:30 PM Finchley Synagogue / Kinloss Gardens / London N3 3DU

HaGaon HaGadol HaRav

Shmuel Akiva Yaffo-Schlesinger, ‫שליט"א‬

‫אב"ד שטראסבורג‬

HaRav Paysach Krohn, ‫שליט"א‬ ‫פורס‬n ‫גיד‬n HaRav Dovid Hofstedter, ‫שליט"א‬ ‫נשיא דרשו‬ CHAIR M AN: HARAV MEIR ZEV RAPOPORT, ‫שליט"א‬

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S PE CIAL VIDEO WITH HIGHLIGHTS OF THE DIRSHU WORLD SIYUM AS WELL AS Q&A FROM

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Hot Buffet This is not a fundraising event

Why did you create ‘Frum London’ Our community needed a single entity that could provide all the relevant “frum” information without being affiliated to any particular organisation. There needed to be a site that covers ALL of the frum communities across the UK, Europe and Israel, and our site will help people and communities be more in contact with each other. We are a Community but have difficulty keeping in contact, and so there was a need to provide a frum Facebook, Twitter etc - Frumlondon addresses some of their purposes without being too addictive & personal.

Can you briefly describe what Frum London is about? frumlondon.co.uk is our community’s Yellow Pages, with free listings of all businesses that service our communities, not just the Kosher restaurants. Also, Frumlondon is a community website allowing members to post their Simchas and Classified ads, - all for free with Davening Times, Shiurim, a Community event Calendar, Special offers and Community Alerts.

Within the website we cover all of London, including the suburbs, plus large sections on Manchester, Gateshead, Antwerp, Israel and all the main cities in Europe.

Frum London’ has had a makeover recently - what are the latest additions/changes?

The look and feel has been updated; we have now placed the Simchas on the front page, allowing Google to quickly index and therefore provide the answer to a user’s search.

Since we started the Frum London website

over 2 years ago, we have developed it into this state of the art website that covers everything & everywhere for the Frum person - All Shuls with their regular Davening times, Shiurim and Zmanim. Simcha listings, a community daily event calendar, Shiva times, classified section, Gemachim, Shomer Shabbos business directory, kosher restaurants & delis, butchers, bakers and special offers from local heimishe shops - the list is endless !

Is the site constantly monitored & maintained so that e.g the Davening times are kept up to date?

Yes but we need the community (YOU) to constantly update us on any changes within the community, Davening and Shiurim details, Businesses and Services, Simchas and c’v Levayos and Shivahs. All shuls are carefully monitored on a regular basis including all United Synagogues, Federation & Sephardi Shuls & all Shtiebelech. We are proactively checking the site to ensure all our information is up to date and correct.

What plans have you got to take ‘Frum London’ forward?

We aim to work on promoting the fact that we provide a vast amount of information covering the communities in Europe and Israel. As we increase our traffic (it is constantly increasing) we will launch our Bikur Cholim and Tehillim sections, plus we hope that our Jobs section will become invaluable. Our member’s Business ratings and Simcha messages will be added next year.

Do you get non-UK visitors to the website?

Yes, currently with no advertising (just Google searches) we receive 6% of our visitors from the US, 6% from Israel, 5% from Europe. “word of mouth” has provided us 80% of our traffic from the UK.

The website sounds fantastic. What final message would you like to If you’veto a family, purse or wallet is probably convey our your readers? crying. Having Children is a terrible investment. You

fork out is an estimated child byNew the London growing £200,000 all thepertime! time they reach age 21.

Of course, if you’re happy generations of children are growing up, to be repaid in hugs, it’s all more than-worth Yet getting married & starting families New it. frum a few tips to ease the burden never go amiss... communities are opening with their own

Shuls, each with a Rabbi, shiurim and social Are you missing £1,000’s of childcare help? programmes.

There are two big ways you may be able to get cash Whether it is a Shtiebel in Elstree, a Sephardi if you pay for childcare. First, do you work over 16 Shul in Edgware, a Chassidishe Shtiebel in hours a week (you and your partner if you’re a Golders Green, a French speaking Synagogue couple) and earn under around £41,000 in total? If in St Johns Wood or a Spanish & Portuguese that’s you, check if you’re eligable for childcare tax Minyan in Hendon - they have all opened & credit. This can be serious money - many get over expanding ! £3,000 a year. To find out if you’re due, call 0345 300 3900.

Every week there are new events, new

engagements, weddings & other Simchas, Alternativly, see if your employer offers childcare new businesses both online & real, kosher vouchers, which allow you to pay for childcare restaurants & supermarkets, as well as other from your pre-tax income. The way this works is establishments springing up all the time. you give up, say, £2,000 a year of salary for £2,000 Weof regularly check that the information we vouchers. However, as after tax you’d only have provide is correct and up to date. got around £1,400 in your pay packet, it means you’re £600 better off.

There is no limit to the information this site

can hold and the range of topics & features ‘I saved £3,000 adding mum and dad to car areinsurance” constantly being expanded by us.

WeAdded willtoshortly beseeing promoting local onfrum the fear of your teenager the businesses in North West one London, Stamford road, the cost of insuring to drive can be Hill, Edgware, Borehamwood so that terrifying.

One & trick, if they’ve their own car, isthe to community try adding patronises extra driversthese with businesses. good records (eg, mum and dad) who may occasionally use the car.

WeIt’s hope be but ancaninvaluable sourceasof trail andtoerror, have a big impact, it information to our frum community through did for one of my Twitter followers (join me at the@martinlewis): website & emails, with themy knowledge “As a new driver insurance that everyone can benefit from it. wanted £5,000. After adding mum and dad, it

Popular Features However, you must never say someone’s the main driver when they’re not. Shuls That’s called fronting and to • Shacharis - All in NW London it’sinclude illegal. Full info on slashing costs for under-25s, Edgware & Borehamwood etc are including special times. policies, at listed with Shacharis www.mse.me/youngcar

• Mincha - listing includes special business Ensure you’re paying less Mincha minyanim infor thepower City, Canary Wharf, West End & the suburbs.

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