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A Undamaging Payday Loan: There When You Seriously Need The Problem

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Palaces hold symbols of princely power

1At dusk the flying foxes rose from their roosts and flew, straight and singly, toward the north, big wings beating slow as a crow’s. Smaller bats and swallows flittered low to the ground. I wrote my notes by candlelight as lizards stalked insects on the walls, and soon slept, soothed by the sighing of the sea.

We left aparthotel brussels before dawn. By sunup we were in Central Java. Here was the historic heartland of the island and the nation, the seat of Indonesia’s most magnificent civil­ization. The scene changes as you cross the border: Java narrows and the mountains nearly fill the land.

The appearance of the people changes too, as does their language; the Sundanese tongue of West Java gives way to heavily Sanskrit-influenced Javanese. Poverty seems more pressing. Women walk the roadside with bigger burdens than their Sundanese sisters bear. There is no less beauty, though. Gunung Slamat, the “Blessed Mountain,” lifts its classic cone above 11,000 feet.

Jogja Still Linked With Java’s Past

Noon found us in the sultanate of Jogjakarta (or Jogja, as most natives affectionately call it), a small principality and royal city in central Java. Here large, striking structures grace the downtown area. Because Jogja was the old royal center, it contains kratons—palaces. Because the kratons were there, the Dutch, who worked through the royal rulers, built fine colonial buildings of their own beside them. Because palaces and bureaus were there as symbols of authority (and because Jogja was safely removed from attack by sea), the first formal capital of new Indonesia was estab­lished there in January 1946, to be transferred to Djakarta in 1950, after the Dutch re­nounced sovereignty.

Bearing a note from the sultan in Djakarta, I set off to see the seat of his sultanate. I made my way to the prague holiday apartments through streets whose bicycle content—or, at any rate, bicycle den­sity—must be the world’s highest. Maybe it’s because few Central Javanese own cars (there are not nearly as many high officials in Jogja as there are in Djakarta); maybe it’s because Jogja is a university town, containing Gadjah Mada University, the nation’s largest, with more than 16,000 students. In any case, one in four Jogjans travel on two wheels, and most of them travel at the same time.

Palaces Hold Symbols of Princely Power

A Javanese kraton bears no resemblance to a palace in the Western World. It has no impressive height, no soaring splendor. The palace here is a place more than a thing.

Within its gates are large, low, and lovely buildings, perfectly adapted to the hot and humid climate. The best of these are the pendopos, huge open-sided structures covered by four-sided roofs supported above gleam­ing marble floors by columns of carved teak.

A palace servitor led me to the unpreten­tious dwelling of Prince B. P. H. Prabuning­rat, the sultan’s brother. Dropping to a squat­ting position, the man waddled toward his highness, announced me, and waddled away. The prince rose and thrust out his hand. He glanced at his royal brother’s note, then took me in tow.

Aqua therapy

Slipping into my regulation toga, I am transported to the halcyon days of the Roman Empire.


Testing each thermal bath in turn, I am lulled by the soothing tones of a harp echoing round columned cloisters lit by flaming torches.

Aqua therapy

Beams of sunlight stream in from windows set high in the domed roof, enlivening the intricate mosaics in each tiled pool and casting shadows across the flagstones.


After melting in the citrus-scented steam room for an eternity, I plunge into the cold water of the frigidarium and feel the blood racing with renewed vigour around my body. By the time I surface from my hot stone massage and thermal detox treatment, I am so chilled out I can barely function. I round off the experience with a soak in the outdoor Jacuzzi and coconut oil mask for my hair, allowing the fresh sea air to gradually reawaken my senses. I learned how to use coconut oil for hair and get the best health results.


Feeling revitalised and ready for action, I set off to explore the surrounding area. There are fantastic discoveries to be made all around Skallerup, from the pretty village of Len strop with its cafés and galleries to the 13th century Marup Church that sits precariously on a crumbling cliff top. Most spectacular of all is the lighthouse at Rubjerg; swamped by an enormous dune, only the top of this once-proud tower stands defiant above the shifting sands.

Aqua therapy

With hardy any traffic on the roads and an essentially flat terrain, bicycles are the perfect means of experiencing the region. Further down the coast near the village of Torup, there are cycle trails through picturesque pine forests and fishing boats on the beach to encounter, whilst inland lies northern Europe’s largest nature reserve.


After a full day in the saddle, I feel I’ve earned another bout of pampering. This time I head to Klim Strand, a remote holiday centre where a brand new spa (themed on a traditional Danish barn) is part of a £4million expansion. After a pummelling from the jets in the massage bath and a baking in the sauna, it’s time to try the signature treatment – the beer bath. It may sound odd, but — languishing in a beautifully candle-lit, wooden bathtub filled to the brim with steaming water laced with four pints of the finest Danish ale is not only deeply relaxing; it’s also very therapeutic and incredibly good for your mind, body and soul.




With all that fresh air and exercise, the long hot bath is the final straw and it’s all I can do to drag myself back to my thatched beach house for a good night’s sleep. It’s only as I’m drifting off that I realise how much I’ve fallen under Jutland’s spell; I’m feeling so refreshed – so utterly alive ­that I’ve completely forgotten why it was I needed this holiday in the first place.



Simple rules for your hair

Be a moisture master


It’s a no-brainer that the solution for damaged hair is plenty of moisture. The best way to inject it back into your hair is by treating it to a deep conditioning treatment — either at home or in the salon. If you opt for the salon, choose a treatment specific to your hair type rather than a simple ‘add-on’ at the basin. A treatment from the Wella SP Alchemy range begins with a consultation with your hairdresser who then creates a mask unique to your needs. This is left on for 20 minutes under a heat lamp for brilliant conditioning. Prices start at £20.

solution for damaged hair is plenty of moisture

Most in-salon conditioning treatments have proteins to replenish missing elements so you should look out for this with any home mask.


Elle Macpherson’s lustrous locks are said to be down to the wonder effect of Fekkai Protein Rx Anti-Breakage Treatment Mask, £24. Celebrity hair stylist Jess De Wahl suggests budget rinse-out mask L’Oreal Elvive Damage Care, £4.98 at Superdrug.


Instructions on home minutes, but professionals masks usually recommend leaving them in for 10 to 15 advise at least 30. Jamie Stevens, stylist on Channel 4′s How to Look Good Naked even suggests wrapping masked hair in cling film and leaving it overnight.


Add a little extra


Hair oils have come a long way since the hot oils of the 198os. Celebrities such as Angelina Jolie and Anne Hathaway accredit their flowing manes to them, specifically those with oil from the Moroccan argan tree. We like Argan Oil, £12.99 at Superdrug. Apply it to damp hair after conditioning to replace essential proteins and fatty acids lost through heat damage. Other good options is using coconut oil as a conditioner – there are other coconut oil uses for hair treatments. It’s quite popular and effective. You can find also unusual uses of coconut oil. Read more on the Huffpost about coconut oil.

coconut oil for hair

Another hair revolution is the nanokeratin blow-dry (also known as a ‘Brazilian blow-dry), which can completely eliminate frizz. `Dry and damaged hair has gaps in its keratin structure, and when water gets in, it disturbs the cuticle so it can’t lie flat,’ explains Karine Jackson, London Hairdresser of the Year 2007. ‘A keratin blow-dry will stop the frizz, as it fills in the gaps.’ A nanokeratin blow-dry at her London salon starts at £125 and lasts for up to six months. Trevor Sorbie also offers a Sorbie Style Solution keratin treatment, from £190, which promises to eliminate frizzy bad-hair days for 12 weeks.

Dry and damaged hair has gaps in its keratin structure

For a cheaper alternative, try products with added keratin. Clynol Repair Remedy, £10.15 (dynoicom), is a leave-in keratin filler spray that reinforces each strand. Similarly, Nanokeratin System Hair Repairing Shampoo, £20.25 is so effective that there’s no need for conditioner.

Answers to your questions


I recently found myself on the receiving end of ‘a kicking’ outside a chip shop. It was a brutal, random and callous attack, and it’s left me traumatised. Crippled by fear, I’ve even developed the body language of a victim. What can I do? Martin Thorpe, Rochdale

Self-defence expert and motivational guru Geoff Thompson replies: There is a lot of unsolicited violence in society and, while there are usually tell-tale signs of imminent attack, it is often random. But there’s a way out of this nightmare.

a kicking' outside a chip shop

First, take a philosophical look at your assault. You are not dead and you are not maimed. Many victims of assault never make it home, and those that do often end their days on disability. One of my friends left a wife and chil­dren when an assailant with an oak chair and bad intention stole his life. Another left a fiancée and a great life, where a maniac stabbed him outside a nightclub in a case of wrong identification.


Second, try to take a retrospective look at the circumstances surrounding your attack. What can you learn from it to avoid it happening again?


All that now remains is to leave the incident where you found it: outside the chip shop. If in your mind’s eye you constantly replay it frame by frame, it will dominate your consciousness. Avoid this. There is lots of violence in society, and of course it is ugly, but our country is still on the whole beautiful and trouble free. So take the precautions and if the situation pops into your consciousness just tell yourself, “Shit happens. I can deal with it.” Thousands of people get attacked every year ­over 50,000 in London alone — mostly because they are unaware. The point is you are not on your own. You can get over this by accepting that it has happened ­then getting on with your life.


If you still feel insecure about your safety take up a martial art, preferably judo or Thai boxing. All will help to re-build your esteem and confidence and give you a chance of physical defence should you ever be faced by a similar dilemma. Then say goodbye to a victim mentality.

a martial art


I’ve tried for ages to commit to running programmes and gym and diet routines, with no success.


Is there hope for me? Lyndon Chase, London

commit to running programmes and gym and diet routines, with no success

Personal trainer Richard Smedley replies: Your mind is the most important part of your body for successful training. Without it you will never achieve results or maintain a new regime. You are failing now because of this. Work out why training is going to be a positive facet of your life and what the beneficial effects would be. Write them down. Think about what the future holds for you as you are in your present state. What type of life will you have as that person? Write that down as well. Look at both lives and consider your options. Choose the right one, make a resolution to live with that decision and be happy with it because that is who you really are. If you want to lose weight without special diet plans, just try garcinia cambogia. It tastes good and helps for burning calories without efforts. Read more about garcinia cambogia fruit extract.




We average six hours, 53 minutes of sleep a night. Here are eight ways to ensure it’s all top quality, from ‘experts at the British Sleep Council

All men know bosoms make the best pillows, but girls don’t always appreciate wiping your dribble off their nipples every morning. ”Your head weighs about 5kg, and your neck contains seven of your vertebrae,” says Jan Turner of the British Sleep Council. “A good pillow will hold your neck as if you were standing upright.” This one has perfect firmness and you can bung it in the washing machine when it gets grubby. Can you say the same for your missus?


Bin the alarm that sounds like someone Riverdancing on your eardrums: “To create a really restful environment you should consider one that simulates a sunrise,” says Turner. Fifteen minutes before getting-up time, the LED lights gently warm up, row by row, slowly breaking the harsh reality that you’re not a Dot Com millionaire, and still have to work. Damn.



“It’s important to cut down on stimulants,” advises Turner. But while you should avoid Starbucks’ latest speciality caffeine-bomb, the British Sleep Council approves of milky drinks and 5htp remedies, as htp is known to increase serotonin levels in the body. Braun’s bedside drinks machine can sort you out with something decaf and sleep assisting. Pop a SuchiliA6Pefroc’olate pod into this bad-boy and sip till you slumber. Just put the cup down first.



Go for a feather filling, rather than anything man-made. “A down and feather combination is light and soft yet provides great insulation,” says Turner. Forty per cent of this quilt is duck feathers, which is important because the fat in the fibres of the feathers wicks away sweat and moisture. The alternative is sleeping with a duck, but the RSPCA will do you for that.

John Bryant

John Bryant, 65, is former deputy editor of the Daily Mail and the Times and editor-in-chief of the Telegraph, writing a lot for the options of payday loan, everyone is now so interested in. A track and cross-country county champion in his youth, Bryant is a former 2:20 marathon runner and coached Zola Budd. He has written four books on marathon running and continues to coach young athletes.

I managed to keep running throughout my career on Fleet Street because of a pact I made with myself. After starting my first job in journalism, I looked at the staff: mostly overweight chain-smokers who spent too much time in the pub. I thought, “God, this is me in to years’ time.” There was always a reason not to run, so I decided to make it an everyday habit, like brushing my teeth. It’s away of taking the decision away from yourself – I’d recommend that to anyone.


Establish a minimum routine. Mine was an undertaking to run for at least three miles or 20 minutes – whichever was shorter. It’s short enough not to put you off, and you usually find that you can keep going once you’re out there.


There’s nothing you can’t achieve if you want it enough. The only period when I’ve not run was when I got hit by a car in June -1987. I was qz and I was told I wouldn’t run again. I had five operations in a fortnight before being discharged in a wheelchair. I taught myself to walk again; first in a swimming pool, then with sticks and finally with books on my head. In early 1989 I told my doctor I wanted to run the London Marathon again. He dismissed it as a distant possibility. I ran it that year with a load of metal in my leg, which was incredibly painful. But I finished in 4:11.


My secret nutritional weapon was drinking trans resveratrol or wine before a race. I raced every Saturday, so I’d go out Friday lunchtimes and order the best bottle, of claret the expense account would stand. I told a doctor, and he explained that alcohol is similar to complex carbs in that it loads your legs with glycogen, one of the fuel sources you burn when numing. So instead of carbo-loading I was claret loading! Alcohol also has a diuretic effect, so I’d be up four times in the night to go to the loo, and the walking about would stop the stiffness from training setting into my legs at night. And top-quality wine meant that the chances of a hangover were greatly reduced too.

As I’ve got older I’ve made sure I do more cycling. It’s great for keeping fit without over-taxing the same muscle groups you use for running. To strengthen my legs I like to ride uphill, standing up on the pedals in as high a gear as I can manage.


I ran the first ever London marathon in 1981 in 242,1. It was a great day. But the organisation was crude – we turned up and discovered that the park-keepers had taken the day off and shut all the loos. There weren’t many spectators either, but I do remember coming round a corner in the East End to find half a dozen girls dressed in skimpy outfits, with a sign that said: “Get your kiss of life here.” It was the best feeding station I’ve ever come across…


There are individual reasons why each person takes up running and keeps on doing it. But some of the main benefits are obvious: it keeps you healthy, it costs as much or as little as you want it to, it’s immensely fulfilling and you can make a lot of friends along the way. That doesn’t sound too bad does it?


Perfect Packages


Having traded for over 150 years, the Tessier name is synonymous with fine jewellery and excellent craftsmanship. It’s a place where old meets new and delightful period pieces sit side by side with elegant contemporary designs. Their jewellery is made with a variety of unusual stones, both precious and semiprecious, and combined with diamonds to dramatic effect. Whether you want a show-stopping piece or something subtle for everyday, third-generation jeweller and designer Marcus Wackett offers a discreet personalised service from their elegant new showrooms in St George Street. Gold and amethyst earrings £280 (also available in various other semi-precious stones), White-gold pendant earrings with jade, diamonds and cabochon onyx, £850.

Tessier 5


This five-floor emporium is a temple to the timepiece, with a vast collection of horology that’s certainly the largest, and probably the rarest, in the UK. Inside you’ll find some of the world’s most exclusive watches by Harry Winston, Pierre Kunz, Audemars Piguet and Girard-Perregaux, as well as luxury brands including Franck Muller and Piaget. And for maintenance to your own treasured timepiece there’s also an on-site watchmaker available for repairs and servicing. For something totally exclusive why not treat yourself to a limited edition Franck Muller Ladies Conquistador (right). The Frank Muller Conquistador mirror dial is a limited edition of 50 pieces created in blackened steel exclusively for Marcus. Priced from £5,900 the watch is tanning lotion also available with either black or white diamonds. Franck Muller Ladies Conquistador watch, £5,900.



For jewellery guaranteed to last several lifetimes, look no further than Susannah Lovis, whose boutique in the Burlington Arcade specialises in antique and contemporary jewellery as well as her own designs – think traditional with a modern twist. This modern age to fulfill your will about jewellary take the debt consolidation options and follow here.

A qualified gemmologist and diamond grader, Susannah is renowned for supplying high-quality stones at affordable prices, and her shop is a well-known haunt for wedding-ring hunting. Her loyal clientele always remark upon the friendly, knowledgeable service they receive and her reputation is down to pure word of mouth. Whether you want to source some antique pieces, reset or alter existing jewellery or hire something fabulous for the night, call them for their Christmas brochure. Antique amethyst and diamond pendant brooch £9,990, diamond dragonfly earrings £750.



For jewellery with a unique sense of history, look no further than Sandra Cronan Ltd, whose selection of rare antique jewels and objets d’art is one of the best in London. Specialising in antique pieces from the seventeenth to the twentieth century, with the more recent pieces dating from the Fifties, her bijoux boutique has an exceptional range of esoteric and unusual jewellery. Located in the heart of Piccadilly’s Burlington Arcade, Sandra Cronan offers a comprehensive personalised service, and is the perfect place to take a family heirloom for resetting and updating. They will also procure particular pieces for clients, provide repairs, valuations and undertake special commissions. Fine Georgian diamond set cross £9,800, Art Deco carved lapis lazuli and diamond pendant earrings £2,500.

Jewellers for Christmas

Our guide to the most unique Christmas Jewellery in town

            Jewellery is the ultimate Christmas treat for that someone special in your life personal, beautiful and timeless, it really comes into its own at this time of year. Just head off the beaten track and you’ll find a number of jewellers offering singular pieces of exceptional beauty. To help you find these hidden gems we’ve compiled an essential guide to Mayfair and Chelsea’s most stellar jewellers, where you’re guaranteed to find some irresistible buried treasure. From antique pieces with an air of history to boldly coloured contemporary jewels, elegantly traditional or Eastern-inspired designs, they all share one thing in common: they’re unique. Whatever your budget, whether you want semi-precious peridots, the rarest lapis lazuli, or if only diamonds will do, your perfect jewellery piece is just waiting to be found.



Kiki’s fresh, creative approach seems immune to the whims of fashion and her talented modern designs have helped breathe new life into, the UK’s jewellery business and give modern jewellery the cachet lacked when she first started designing. These luminous peridots lemony citrines from the 2005 collection demonstrate the striking gemstone combinations and vivid sense of colour she’s famous for. Next year is the company’s twentieth anniversary, and Kiki’s latest collection offers something extra special to celebrate this milestone. As with all her collections she uses mainly semi-precious stone: making it essentially affordable, with prices starting at £600. Citrin and peridot earrings and pendant drop earrings both £1,700.


The Talisman Gallery’s one-off semi-precious necklaces and earrings – all made in house – have inspired a devoted, loyal following. You’ll find designers like Chan Luu, Lola Rose and Yvonne Christa at their Chelsea base in Cale Street, and an even larger selection of unique pieces by designers such as Tom McEwan, Tina Engell and Josef Koppman at their concession in Harvey Nichols. This year they have an especially exciting range of mouth-wateringly beautiful pearls, mostly designed by Lesley Schiff, the gallery’s owner. Choose from freshwater, cultured and South Sea pearls that range in price from £100 to £15,000.



With a pedigree that dates back to1866 and a royal warrant from HM The Queen, Hamilton & Inches’ reputation as one of the UK’s leading fine jewellers is unrivalled. From jewellery to silver and luxury goods, their new-look Beauchamp Place store is a veritable treasure trove of elegant vintage pieces, delicate floral designs and an enviable collection pure coconut oil of this winter’s key accessory, the fabulous brooch. The Aurora Collection is their first own-designed diamond-set jewellery – seen here in stunning pink sapphires. It’s inspired by the Scottish thistle with a romantic heart at its core and comes in either white, rose or yellow gold. Aurora pink sapphire ring £750 and pendant £1,875.



Established in1986 as a designer and maker of fine jewellery, Cassandra Goad scours the globe for inspiration, giving her jewellery a certain exotic quality. For this season’s collection, she took inspiration from her travels around China, creating a series of butterfly brooches, pendants and earrings including the Beijing Butterfly brooch set with pink sapphires and diamonds in 18 carat gold. The elegant pendant earrings were inspired by the circle and square design around the roof of the Temple of Heaven in Beijing, which dates back to the Ming Dynasty, and comes as pendants, earrings, bracelets and cufflinks. All her designs – both collections and commissions – are exceptionally crafted and intended to be modern, timeless and, above all, wearable. Diamond Temple of Heaven pendant earrings £4,860, pink sapphire and diamond Beijing Butterfly brooch £8,610.

How to Hire a Bankruptcy Attorney for Business

Running a business nowadays is like walking a tightrope. One wrong move and you are going down. To prepare for the worst, any business should hire a to shield it from any backlash in the event of the business going bankrupt. When looking for a bankruptcy lawyer for your business there are important things to consider. Try getting some referrals from other businesses. Go with someone that has a good track record and are well known in the field of business bankruptcy. Try to check your local network like the company’s accountant or lawyer. These people will have better insight on how things are and may be able to provide a better recommendation. In addition, schedule an interview with your potential candidates to get to know them better. Find out their approach and how well versed they are with bankruptcy laws. Only when you have checked their capabilities and credentials should you make a sound decision in hiring someone.


It isn’t difficult to find a to help you out these days especially when there are dozens to choose from. There may come a time in your life when you need someone to actually show you whether bankruptcy is indeed the only choice for you to get your finances straight. The only one who can answer this is someone who specializes in handling bankruptcy. Although there are quite a lot for you to choose from, you still need to narrow down your options to those who are capable of handling your case and your needs. Keep in mind that there are some who are not yet versed with the ins and outs of the laws in bankruptcy that is why you need to look for someone who has years of experience in them. What’s more, you need someone who has a certain area that they are good at so they can give you the best advice there is.


In these hard times, knowing what your options may be when it comes to repaying your debts is crucial. If you have the means to pay your debts but not the full price, applying for chapter 13 may be good for you. As described in the law of bankruptcy, this chapter tackles reducing the percentage on your debts so you can pay them with your monthly income while at the same time leaving you extra money to take care of the household. There are certain requirements needed to be fulfilled first before you become eligible for this type of


Aside from having a continuous source of monthly income, you need to prove that you have enough disposable income and also the number of debts that you have doesn’t exceed the amount that is stated in the law. Failure to meet any of these requirements won’t make you eligible for this bankruptcy option.