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Property Rebound Prediction – extra home sales in early 2021?

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Every cloud has a silver lining!  With the pandemic causing so much upheaval in our lifestyle, it is good to know that the UK housing market has remained relatively stable and expects a boom in home sales in the early part of 2021.  Estate Agents in Buckingham and, in fact, almost anywhere in England will agree with this.

Some of the reasons for this prediction are:

Stamp duty holiday:   The exemption of stamp duty land tax to home buyers (for properties valued at up to GBP 500,000)  in England and Northern Ireland will cease when the “holiday” comes to an end on 31 March 2021.  According to the estate agents in Aylesbury,  there will be a rush for home sales before that time.  The benefit usually goes to the buyer, who pays the tax.  However, the seller sometimes comes out on top too.  Knowing that the buyer will be saving on the stamp duty, he may ask for a higher price, especially in more expensive properties, where the stamp duty can be high.  An experienced real estate agent will negotiate between buyer and seller to get the client’s ultimate benefit.   

The possible extension of the stamp duty holiday, though not yet known, will continue to increase home sales.

Demand:  The demand has exceeded the supply in the property market, which is one reason for the predicted hike in home sales.   Many people are looking to change their living arrangements and would like to have more space and facilities.  This increases the demand for more deals.

Time-saving:   With the rush to buy property, sales agreements are going through in a shorter time, which ultimately leads to more property being sold quickly.

Rental:   Due to the lockdown,  loss of jobs or being put on furlough, more people work from home.  They are looking at the conveniences of living and working from home, which leads them to consider the comfort aspect.  For this, they sometimes find it more feasible to rent away from expensive city areas.  The demand for rentals in these areas is always there.  Despite the price rise due to demand caused by the pandemic, buyers can get tenants, which is an incentive for a surge in home sales. 

Covid vaccine:  Contrary to the above, with the expected Covid vaccine, the economy will profit, and the employment status should improve.  This hopefully will slowly but steadily bring things back to almost normal.  It will also affect the property market in cities, with buyers purchasing property either for their own homes or for rental. The stamp duty tax holiday, with a gradual tax for the balance amount (over GBP 500,000) will benefit buyers of more expensive property in the cities.

Location:  To avail of the stamp duty tax holiday, the property’s cost should be less than GBP 500,000. Such properties will probably be away from the big cities, towards the suburbs or away. Hence, the location is essential, and an excellent real estate agent will suggest suitable places to meet the budget and area requirements.

Interest rates:   Interest rates affect property sales.   The lower the interest rates, the lower the borrowing cost to pay for a home, but the price maybe more.   Raising interest rates will also raise the cost of the purchase and reduce mortgage availability.  When interest rates fluctuate – soar and dip – then the most severe effect is noted.  However, with the gradual rise in the interest rate that the Bank of England is predicting, it should help investors. 

Mortgages:  Rates on mortgages are still competitive with the availability of some low-deposit mortgage schemes.  Also, the fixed-rate mortgage, where the interest rate remains the same for an agreed period, can offer the buyer relief.  This way, an exact amount will need to be repaid each month.  A trained estate agent can help in choosing just the right mortgage.

Savings:  Unexpectedly, during the pandemic, many people have not spent money as they usually would and find that they have been “accidentally” able to save a reasonable amount, which some would like to invest in their own home.  Though not on a huge scale, this could also account for more home sales.

Conclusion:  Predictions do not always come true.  With the pandemic complications and its effect on the economy, one does not know how things will work out.  However, based on the above, the property rebound prediction, at least for the early part of 2021, should come to pass.  As with any financial decision, much thought will have to be given to all aspects – budget including cost and the various fees, the type of property, reason for purchase, location, and resale value.  This is where a trained and professional real estate agent can be invaluable.

Calculating the Costs of a Secured Loan: What to Expect

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Our secured loan calculator provides a helpful overview of typical borrowing costs incurred on a secured loan. As secured loan rates vary significantly from one lender to the next, we strongly suggest comparing the market in its entirety with the support of a reputable broker.

What is a Secured Loan?

The term ‘secured loan’ refers to any type of loan secured against the applicant’s assets, usually their home. An asset of sufficient value is used as insurance by the lender, who has the right to take ownership in the event of non-repayment.

For applicants with qualifying assets, secured loans can be easy to arrange, extremely cost-effective and less restrictive than conventional loans. As the balance of the loan is ‘secured’ with an asset of value, it is considered lower risk by the lender.

As a result, even those with poor credit or a history of bankruptcy can qualify for specialist secured loans.

Secured Loan Fees and Costs

When exploring the options using a secured loan calculator, you are provided with a basic overview of overall secured loan borrowing costs. Depending on your requirements and the lender you work with, any combination of the following fees and costs may apply:

  1. Administration Fee

This is essentially another name for the ‘setup fee’ of the loan – i.e. the fee the lender charges for setting up the facility. It is a relatively standard upfront fee, which can be anything from 0% to 2% of the total value of the loan. Some lenders also charge fixed admin fees, irrespective of loan value.

  • Lender Product Fee

The product fee is the lender’s arrangement fee, which can be paid upfront or, in most cases, added to the loan balance. Admin fees, product fees and arrangement fees all overlap to an extent, payable at around 1% though can be negotiated with broker support.

  • Valuation Fee

You will need to prove to the lender that the asset you intend to secure the loan with is of sufficient value. This involves organising the services of a professional surveyor, paid for by the applicant. It is essential to ensure that the surveyor you hire is approved by the lender, otherwise they may not accept their valuation as accurate or viable.

  • Broker Fees

Some independent brokers provide their services cost-free to the client, picking up their commissions from the lender, however, this is not applicable in all instances and many brokers attach a commission of anything from 0.5% to 2% of the total loan amount. This is something you must therefore clarify with your broker, prior to enlisting their support.

  • Legal Fees

This encompasses all the additional costs incurred as a result of involving solicitors or legal experts of any kind. Should the services of solicitors be called for, either at your request or that of the lender, it is usually down to the borrower to cover the costs.

  • Completion Fees

Lastly, be wary of lenders that charge unnecessarily elevated completion fees.  This is a fixed charge or a percentage-based commission payable at the end of the loan term, which depending on the size of the loan could be quite costly.

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ALL YOU NEED TO KNOW ABOUT FURLOUGH FRAUD and INVESTIGATION

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The Coronavirus Job Retention Scheme (CJRS), also regarded as the furlough scheme, is an arrangement provided by the UK Government to help companies retain staff after the COVID-19 disease outbreak. The policy pays a proportion of the salary of workers (currently 80 percent) who are furloughed by their manager due to the Covid-19 pandemic, intending to prevent the need to make the workers redundant at this point. One of the conditions of the policy is that furloughed workers are not permitted to work with their employers at this time. They will work elsewhere if their contract of employment permits.

The government’s furlough policies for companies and self-employed citizens provided critical assistance during the UK’s COVID-19 lockdown, helping nearly 7.5 million working people. However, the HMRC recently announced that it had received almost 800 complaints of alleged evasion in regards to the two schemes and that it will take steps to ensure enforcement with the applicable laws, regulations, and legislation controlling the United Kingdom’s tax policies.

A company or self-employed individual would be known to have committed a criminal fraud crime if it were discovered that they earned reimbursement through either the Coronavirus Job Retention Scheme or the Self-Employment Income support Scheme by making fraudulent statements to the HMRC.

This furlough fraud as it is now called can indicate that the corporation not only has to refund every portion of the funding that it earned, which was not used for the purpose of providing 80 percent of its workers’ monthly salaries but can also be fined and will have to go through a proper furlough investigation.

When the CJRS came into service, many businesses naturally hurried to get any or all of their workers into the system as soon as possible. For certain firms, this may have indicated that there were real errors in the statements. Maybe inaccurate descriptions have been given, or admin mistakes have been made that have not yet been found or corrected. HMRC suggested that companies had 30 days to warn them of any errors of this sort.

The key forms in which a company will commit furlough fraud and will have to go through a furlough investigation include:

  • If the organization furloughs employees but requires them to keep working through this time.
  • When the organization does not tell the workers that they have been furloughed, the worker can only find out until they collect their pay.
  • If the organization demands a grant for workers who do not currently work for them during the time needed.
  • If the salary data for workers have been wrongly entered, the corporation says more money than it currently charged for the salaries of the respective team member.

WHAT ARE THE PENALTIES FOR FURLOUGH FRAUD?

If a company or self-employed individual is accused of making a false claim under the Coronavirus Work Retention Scheme or the Self-Employment Income Support Scheme, future fines with furlough investigation include:

  • A lengthy sentence of prison
  • An unlimited penalty Fine
  • Suspension of Manager
  • The obligation to refund all fees to which the complainant was not qualified for

In particular, the HMRC recently released recommendations for reforms to the Finance Bill 2020 which if approved by Parliament, would grant the ability to keep directors directly accountable for tax charges if they have knowingly broken the rules of the Coronavirus Job Retention Scheme are going through a furlough investigation.

WHO CAN BE ASKED TO GO THOROUGH A FURLOUGH INVESTIGATION?

Where there is evidence of furlough theft, managers of a corporation, representatives of a partnership, or self-employed individuals may all theoretically be charged and asked to go through a furlough investigation.

However, HMRC has clarified that it can only pursue a furlough investigation for “the most serious situations where the sums are knowingly over-charged with the awareness of the agent and where the business is bankrupt or at serious risk of losing money and there is a considerable likelihood that it will not fulfill the tax obligation.”

In situations where a real error has been made, corporations will be allowed to reimburse the amount falsely claimed.

WHAT WILL OCCUR IF HMRC THINKS AN ORGANIZATION WRONGFULLY CLAIMED MONEY UNDER THE POLICY?

If HMRC suspects that you or your company have received funding that you were not eligible for in any furlough scheme, they are expected to examine if there are reasons for action. There are two forms of furlough investigations that the HMRC can carry out:

  • An aspect inquiry – look at a particular portion of the records (in this case, those related to the funding received under the furlough scheme)
  • Complete survey and furlough investigation–look through all of the financial reports, including corporate statements and personal bank documents of directors/partners/business members.

If you are convicted of furlough theft, or if HMRC opens an inquiry or furlough investigation into the use of the policy by your company, it could be a very alarming situation to find yourself in. You must obtain professional legal counsel so that the problem can be addressed in the best manner possible for your case.

In the process of the HMRC furlough investigation, you are obliged by law to supply all the details provided by the investigative agents. If you find yourself in this situation, it is reasonable to have the assistance of specialized fraud defense attorneys with expertise in the handling of HMRC furlough investigations. This will simply guarantee that you adhere to your legal responsibilities while defending yourself and your company, as well as minimize the risk of HMRC going to a full furlough investigation.

If you feel that there are no reasons for HMRC to prosecute your company, you can dispute the judgment to investigate if you can prove that the logic underlying HMRC’s decision to prosecute has been mistaken. If you want to go down this path, you would need solid facts to prove your argument, so, again, a specialized defense representative is important.

Any blunders you create at the initial point of the case can be very difficult to learn from so please don’t be afraid in seeking expert counsel if you find yourself undergoing a furlough investigation.

Bitcoin Reaches USD 35000 As Ethereum Surpasses USD 800

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The price of Bitcoin ( BTC ) surpassed $ 34,700 to hit a new all-time high after a strong overnight rally. Ether ( ETH ), the native cryptocurrency on the Ethereum blockchain, also surpassed $ 800 for the first time since mid-May 2018.

Bitcoin supply shortage accelerates as Grayscale buys nearly 3 times the mined BTC in December.

Bitcoin’s sudden rally comes as a surprise because it sharply corrected to around $ 30,300 on January 2. In 24 hours, BTC surged from $ 30,300 to $ 34,778, a 14% bounce.

What triggered the Bitcoin and Ethereum rally? When the price of Bitcoin surpassed $ 33,000 on January 2, some whales and high net worth investors warned that a 150 BTC sell order could push the market back.

A pseudonymous Bitcoin trader known as “i.am.nomad” wrote :

“A market sale of 150 btc would set all this back. lmao, the higher the price, the more retail prices they get, the lower the supply support. “

Within hours, he pointed to the risk of a Bitcoin correction due to the order books, BTC pulled back sharply.

4 reasons why Ethereum options traders expect the price of ETH to hit $ 880

However, Bitcoin rebounded quickly after the initial drop and hit a new 24-hour high.

The main catalysts behind Bitcoin’s rally have been the institutional accumulation of BTC on Coinbase and the throttling of short positions on Binance Futures .

How massive Bitcoin buyer activity on Coinbase propelled the price of BTC to over $ 32,000

Over the past three days, Bitcoin has traded much higher on Coinbase than on other major exchanges, as Cointelegraph reported .

This means that aggressive buyers on Coinbase were continuously accumulating BTC despite the premium.

Bitcoin tops $ 34,000 with average returns from traders at highs. Source: Santiment

Meanwhile, many Binance Futures traders were “shocking” (shorting) BTC, possibly expecting Bitcoin to peak at around $ 30,000. As Coinbase buyers continued to push BTC higher, there was a short squeeze. Santiment analysts explained :

“For those hoping for a #Bitcoin correction to start in 2021, the #AllTimeHigh of $ 34,000 achieved 10 minutes ago shows how painful it has been to be a $ BTC bearish in the last 10 months. The average return for traders has not been that high across the board since June 2019. “

The price of Ether rose thanks to strong technical momentum from Bitcoin. The ETH / USD pair rose above $ 800 for the first time since early May 2018, showing renewed momentum after stalling throughout December.

Don’t you think that the supply of Bitcoin is finite? You probably don’t understand technology

A pseudonymous cryptocurrency trader known as “Mayne” said on January 2 before the Ether rally that ETH is likely heading for $ 800. He said :

“The ETH thesis is still underway, close to USD 620 daily we are heading towards USD 800. I built a great long position in December and assuming $ ETHBTC can hold a higher low, I think it will work well. I should have had more long exposure of BTC to ETH in December, expecting ETH to top in January. “

What comes next? Ethereum has another major catalyst on the horizon, as futures exchange CME plans to launch ETH futures in February .

Ethereum reaches its maximum price in 2020. Considering the high level of institutional demand for Bitcoin since Q1 2020, the demand could also boost Ether after the launch.

Meanwhile, Bitcoin remains on an upward trajectory of price discovery, hitting new all-time highs on a daily basis. With a purported supply shortage and institutional buying frenzy now spreading to retail, the rally may still have much more room to run, with $ 35,000 likely the next psychological level to break.

Ethereum’s market capitalization outperformed GM, CME, and tech stocks, what’s next?

As Cointelegraph reported , six-figure predictions have become increasingly common in recent months, especially as the rally has broken new all-time highs.

How to change careers during a pandemic

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The coronavirus pandemic brought the entire world to a standstill in 2020, forcing huge changes upon the way we live and work. Industries which were previously considered relatively stable, such as hospitality and events, were suddenly no longer able to continue within the so-called “new normal”, and many people were left out of work. This caused many to reassess their careers, as they struggled with watching their industry collapse, or even decided that their job wasn’t what they wanted out of life. Indeed, 70% of workers admitted to considering a change in career, according to a survey by TotalJobs.

But looking for a new job in the midst of a global pandemic is daunting. Searches for “I want a new job” rose by 194%, with “how to move jobs” rising by 138%, so it’s clear that not everyone knows exactly where to begin looking. If you’re one of those people browsing job listings, but aren’t sure where to begin, let us help you.

Find alternative work to keep you busy

If you’ve been left completely out of a job altogether, rather than put on furlough, it’s a good idea to seek alternative work that may not be in your chosen industry to keep you busy, guarantee an income, and even pick up some new skills for your CV template. Many supermarkets are looking to hire extra staff to keep shelves stocked up with essential supplies, especially with the end of year rush. This can help you work on your customer service skills and, if you’ll be behind the till, can give you experience with cash handling. Alternatively, you may look at working in a warehouse or as a courier to help companies deal with the increasing reliance on online sales.

However, if you’re looking for more freedom, why not consider becoming a PCO driver, which covers things like Uber and Bolt. This allows you to set your own hours, making it perfect as a side hustle if you already have a part-time — or even a full-time — job. However, you will have to apply for a PCO license and have access to a car you can use for your trips. If you don’t have your own vehicle, you can hire a PCO-approved car, with prices starting from as low as £150 per week. You just need to organise your hours to be able to afford this while still having time to focus on your career pivot — unless you find driving to be a good fit for you in the long term.

Think about your long-term goals

If you’re unhappy with your current job role or career path, take the time to think about what it is you actually want out of your working life. You may have realised that you’re unhappy with your work-life balance, and looking for a job that offers you more time to yourself rather than stressing about work. However, you also need to take your own lifestyle into account, and how expensive it is, ensuring that whatever job you choose will give you the salary you need to continue living the way you’re used to.

It’s also a good idea to take job stability into consideration. As 2020 has proved, some sectors aren’t as essential or resilient as previously thought, and the last thing you want is to be left without a job due to further industry redundancies as the economy recovers.

Reassess and work on your skillset

Spend some time going over your qualifications, certifications, technical and soft skills, work experience, and career achievements. Maybe you’ve led an industry-specific conference, qualified in a specialist course, or enjoyed regular promotions before the pandemic hit. Ensure that all these skills are clearly outlined in your CV, and on your LinkedIn page, for any recruiters and potential employers to see.

Many people have chosen to work on their skills during the extra downtime provided during lockdown, and searches for ‘online courses’ rose by 192% between February and March 2020 alone. If you haven’t already done so, take a look at how you can work on your own professional development and add to your skillset to make you more desirable to employers. This can be anything from learning to code to learning a new language. In fact, bilingualism may be more beneficial than ever before in a post-Covid world, as remote working can naturally lead to a global workforce. Now that most industries are working virtually, businesses are even less bound by the confines of a local talent pool, so being able to communicate effectively with people around the world can make you incredibly attractive to recruiters.

Remain patient and don’t rush into it

Take your time with applications, ensuring that you’ve filled them all in correctly, and have carefully highlighted your skills and experiences. Have a friend or former colleague check over your CV before you send it out, ensuring that you’ve got everything factually correct, with no spelling errors. It may even be helpful to work with a recruiter, as they’ll have more information about the hiring process, a relationship with a number of potential employers, and may even be able to give you interview tips.

You should also remember that hiring managers and recruiters are also working remotely, and decisions that could have been easily discussed and quickly made during a meeting will likely take much longer during virtual meetings. This makes the overall hiring process much slower, so maybe hold off on sending any emails asking after the status of your application if it’s only been a few days, especially if you’ve already received acknowledgement that your application has been received. In the event that you’re still itching to find out more, use your initiative to gauge when a good time to reach out is. If the company is looking for someone to start in the role immediately, then it may be worth emailing after a week. However, if it’s for a junior level with many applicants, or even a senior role that requires a more thorough interview process, it would be a good idea to give it a little more time before expecting a response.

Plumbing Nightmares To Watch Out For In 2021

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On the great list of problems we would all like to avoid, plumbing issues have a special place near the very top. Whether it’s a blockage, an overflow, or a leak, there are very few moments that make your heart sink like the realisation that something in your plumbing has gone very badly wrong. It’s not just the flash of frustration that something has broken at the very moment when you need it to be working perfectly, it’s a security issue, a potential major expense and, more importantly, a possible hygiene nightmare. As we get ready to face the year’s worst weather, it’s important to take a step back and prepare for the worst in some of the most notorious problem areas in any home or business.

A Blocked Toilet

Let’s start with the one we’d all like to avoid if at all possible: the clogged toilet. There’s nothing worse than seeing the level in the bowl going up when it should be going down, and there are several reasons why this could be happening. The first question should be: has anything been flushed that shouldn’t have been? This really should be common sense, but you would be amazed at the number of people who thoughtlessly put any old rubbish in the bowl and hit the flush. One of the biggest culprits is wet wipes but there’s also condoms, nappies, tampons, cotton buds, paint, food, even pets. And while a little bit of food waste probably wouldn’t do any harm, anything that’s got a core, a stone, or bones in it should not go down the loo.

However, it’s not always down to what’s going down. Excessively hard water is a real issue, especially in the southern part of the UK. All that calcium and mineral residue can build up over time in your pipes if left unchecked, creating a smaller and smaller space for waste to pass through. Old pipes can also contribute to the problem. If they’re starting to crack and crumble under the weight of the years, nothing is going to pass through like it should and you could be facing some real problems. Similarly, if your region has been facing a lot of stormy weather, there could be a blockage or a pipe issue further down the line that is affecting your plumbing works.

In the event of a serious blockage, it is always more sensible to call in a professional who knows what they’re doing. Pouring strong chemicals down and hoping for the best is a quick fix at best, and at worst could do more damage to your pipe works.

Leaking Pipes And Taps

It’s the sound that keeps you up at night as you lie in bed and hear the “drip…drip…drip…” of a leaky faucet. While this problem may not be as severe as some of the other items on this list, it should not go ignored. Apart from the loss of sleep and the slow push towards a full-blown temper tantrum that a leaky tap can cause, that wasted water adds up. Over the course of a single year, a leaking faucet could be responsible for gallons of water waste, and nobody wants to be looking for ways to add to their utility bills. When it comes to taps and faucets, a drip or leak is usually caused by wear and tear to the rubber or silicone washer that forms the seal that keeps water from flowing when you turn it off. It’s a very common issue, as these washers will naturally get a bit stiff or dislodged through use, or even damaged. The longer the problem goes unchecked, the worse it will get, so don’t delay. While this can be a problem you might be able to fix yourself with the right tools, it might be a more complicated fix depending on the state of the washer and may need a professional’s help.

Another reason why it’s worth calling a plumber is that this may be a symptom of a deeper issue. If there has been damage to your pipes further down the line, due to bad weather or corrosion, then your water pressure will begin to fluctuate which can cause a leaking faucet. This is admittedly less likely, but it’s certainly not a problem that you can fix yourself.

A Slow Draining Or Blocked Sink

Have you noticed that the washing-up water isn’t going down the plug hole like it used to? Is there a pool of water sitting at the bottom of your sink a good few minutes after you’ve finished running the tap? Well, you’re looking at a problem further down. The most common cause for a blocked sink is, well, what you’ve been putting down it. Most of the time you’re looking at a build-up of grease and fat that hasn’t washed away properly that has now bound itself to the sides of your pipes. Think of it like mortar, a tough substance that won’t let go without a fight. Once that’s in there, anything else that gets washed down after it is liable to get stuck in that gooey matter and further restrict the path of the water that’s trying to get through. Other culprits include hair and other bits of food waste that get put down the sink instead of thrown into the bin. A good way to ensure that this problem doesn’t come up is to make sure that you dispose of excess cooking oils and fats elsewhere. Tipping what’s left in the frying pan after making a bacon sandwich down the sink is just asking for trouble.

Chemicals may help but excessive use can corrode the pipes instead of the greasy mess you’re trying to wash down, so caution is advised and overuse is definitely not recommended. The same goes for drain rods, as the kind you can pick up off the shelf are typically not as high quality as the professional-grade items and can do more harm than good. If the problem persists, it’s important to contact a drain company who will get in there and find the root cause of the problem. Drain Detectives can offer you a free quote and over the phone consultation, and they offer a one month guarantee for any job they do.

Septic Tank Issues

If you home or business uses a septic tank, then “something going wrong with the septic tank” is always going to be a recurring nightmare that you hope never comes true. Septic tanks and cesspits need to be emptied regularly and properly maintained, or you are going to run into trouble very quickly. There can be overflow following severe storms and heavy rain, there can be blockages, caused by something in the pipes or tree roots branching into your plumbing, and there can be an issue with the soakaway.

Anyone who has used a septic tank or cesspit knows to look out for the kinds of overgrowth and damp spots, not to mention the bad smells, that indicate that the soakaway has become clogged. If you fail to act on this problem quickly enough, you’re going to find that the material in your septic tank is going to find another direction to go in, and you don’t want it coming out of another part of your plumbing. Speed is of the essence, so make sure you call a professional as soon as possible.

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Instagram is the most well- known social media platform. It is gaining fame among the people day by day.  As 112.5 million users are using this app. It is a vast platform with large number of users. Most of the users are using it as a business account and are fond for different strategies to grow their account. They know very well that if they have large number of audience. Large number of people will know them and their products will get fame. There are different ways to increase your followers and likes. There are number of strategies are present to increase your followers and likes but the beat and easy way is to use Instagram followers mod apk.  It is best and easy way to increase your followers and likes.

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  1. Download Followers Gallery
  2. Create your account.
  3. Get some coins.
  4. Use these coins for getting free Instagram likes and followers.

How to secure your browsing with a free VPN for chrome?

A VPN is software that can help protect your privacy by establishing a secure communication channel between your device and a remote server provided by the VPN. With this server, all your internet traffic is routed and encrypted before reaching its destination. As your traffic is passed through the proxy server, the browsing website can only monitor the proxy server’s IP address.

Several VPN providers offer both a desktop VPN and a browser VPN. A desktop VPN is installed on your device that provides overall protection. In comparison, you can install a free VPN for Chrome as a browser VPN directly on your web browser. A browser VPN is easy to install and can secure all your internet traffic generating from your web browser.

In this digital scenario with several cyber threats, it is essential to protect your privacy by using a VPN. If your internet connection is not secure, anyone can access your private information and misuse it to commit theft and fraud. A VPN helps in masking your real IP address and encrypting all your internet traffic, ensuring your digital privacy is secured.

If you connect to a public network such as Wi-Fi at a coffee shop or an airport, you expose yourself to cyber threats. This network is extremely unsafe as anyone can connect to it and hack into your device through it. Using a VPN, you can create a secure encrypted channel that will block any malware or suspicious activity.

Even if you are on a private network, there is still a risk of data logging. This is because your ISP can also store all your internet activities. When you connect to a VPN, it routes your traffic through a different server, which changes your ISP. Due to this, your Internet Service Provider will not be able to track your activities.

Uses of a Browser VPN

A browser VPN can help you in several ways by protecting your privacy and securing your internet connection. Let’s look at some of the uses of a Browser VPN, making it so important in present-day scenarios.

Secure Data Transfer

If you are browsing on an unprotected internet connection, you are exposing yourself to data theft. Anyone can connect to your connection and access your private data. A VPN can help by encrypting and routing your internet traffic from a secure server. Only the person with access to the decryption key can decrypt data to use it. A free VPN for Chrome will help you gain anonymity and privacy while browsing the internet.

Use Public Networks

If you are working on the go, using a VPN will provide a security layer over your internet connection. Public network internet connections are unsafe and easily hackable. Hackers are usually monitoring the traffic over a public network and can easily access your private data. Using a browser VPN will ensure that your traffic is routed through a secure server so that no one else can view it.

Access Geo-restricted Content

Some websites filter their content based on the geographical location of the IP address. For example, some streaming websites only show specific content to a geographical region because of various reasons. These restrictions limit your reach, but you can bypass them using a VPN. When you connect to a VPN, you can connect to a proxy server anywhere in the world. By connecting to a server-based in a different region, you can easily view the restricted content.

Evolution of VPN

Earlier VPN only corporations and institutes used VPN to create a secure server for their employees. It was a quick and secure online solution where people could share and access all the company information from the cloud. However, it has evolved to become a necessary tool to protect your digital privacy. Now every individual can install a private VPN for themselves to protect their privacy.

Several VPN providers offer both desktop VPN and browser VPN for free. You can easily install a free VPN for Chrome through the VPNs provider website.

Earlier, only desktop VPNs were used to provide overall privacy for any internet activity on the device. However, since browser VPN came, they have become more popular because of their ease of use. You can simply add the VPN extension in your browser and create a secure connection. This VPN saves you the time and effort to download and install a desktop VPN.

How to add Urban VPN for Chrome

Adding a browser VPN to Chrome is very easy, and you can do it by following these simple steps.

Step 1

Go to the Urban VPN’s official website and hover over the products tab in the website’s tab bar. You will see a drop-down box menu where you have to click on the free browser extension menu.

Step 2

On this webpage, you will see three options to download the VPN extension for different browsers. You can install this extension on Chrome, Mozilla, and Edge browser. Click on the extension for Chrome button to download the extension for chrome browser.

Step 3

The website will redirect you to the Chrome Web Store, where you will see the option to add Urban VPN to your browser. Press on the Add to Chrome option to add it to your browser.

Step 4

A dialogue box will appear on your device’s screen, asking permission to add the extension on your browser. Click on the Add extension button to give permission.

Step 5

Now the extension is installed in your web browser, and you can start using the VPN to browse the internet securely.

Conclusion

A browser VPN is a great way to secure your online activities from everyone. No website will be able to store your device information and IP address in their logs, and even your ISP will not be able to track your activities. You can surf the internet with complete anonymity and access the geo-restricted content easily.

In this digital era, it is crucial to protect your digital privacy because everything is done online. If you are browsing on an unsafe network, it is always suggested that you avoid making any online bank transaction if you are not on a VPN.

Slip and Fall Accidents: Safety Tips and Injury Prevention

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Slip and fall accidents are no laughing matter, considering they account for over 95% of hip fractures, especially in older adults. A slip, fall, or trip accident can lead to a fatal injury. In 2018 alone, falls were the second worldwide leading cause of unintentional injury deaths. Additionally, the WHO estimates that each year has more than 646,000 deaths from falls globally.

But despite the clear risk, we often overlook slips, trips, or falls. This comes down to the need to educate, train, and create safer environments through prevention strategies. However, establishing these effective measures against slip and fall accidents requires understanding what each risk means.

Slips

A slip will often happen when there is little traction or friction between the surface and your feet. A slip will happen due to wet surfaces, loose mats, oily floors, or waxed flooring. Some flooring types, such as tiles, are also common causes due to their lack of traction.

Fall

A fall is defined as an accident where circumstances see the person land unintentionally from the point of elevation. These accidents happen due to having slippery floors, clutter on surfaces, unprotected edges, or floor holes. A bulk of fall accidents also result from stairs, unsafe ladders, snow, and ice surfaces.

Slips, Trips, and Falls Control Measures

Most slips, trips, and falls are down to unintended or unexpected changes in the walking surfaces around the household or workplace. Here are six guidelines to follow to help keep you and others safe at home or in the workplace.

Work on Your Housekeeping

Since dirt, debris, clutter, and spills are responsible for most slips and trips, the first thing you should do is take some time to clean up any hazards in your home. Each day you may want to:

  • Clean spills immediately
  • Vacuum and sweep floors for debris
  • Secure carpets and mats
  • Align and cover all wiring cables in walkways

Get Proper Lighting

With all areas lit well, chances are anyone will spot a floor hazard before they encounter it. Consider replacing burnt-out bulbs or ones that are not working to reduce the risk of slip and fall accidents.

Wear Proper Shoes

Since shoes are always in contact with the surfaces, they make the difference in preventing a slip and fall accident. For example, slippery soles or strappy high heels will increase the risk of an accident. This means appropriate footwear is necessary for the right environment. To be safe, ensure that your footwear is the correct type for the floor or surface you intend to walk on.

Reduce Your Texting

Just as you should not text and drive, texting and walking are also dangerous. Most of us are now so involved in what we’re watching on the screens of our devices, and this can result in slip and fall accidents. You should always pay attention while walking and try not to text while walking.

Have Frequent Repairs

To reduce your chances of slip and fall accidents, you will also need you to pay attention to repairs. This is especially if the environment is a busy home or establishment full of activities. Rather than be liable for any accident, be sure to always check for cracks, loose railing, or any other potential hazards.

Effective prevention will help reduce the number of slip and fall accident victims and the severity of the injuries. Visit this website to learn more about preventive measures concerning slip and fall accidents. It’s worth the time and effort to learn everything you can about this subject, especially if you’re a property owner.

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