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What is hot desking?

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Hot desking is a hot trend in
business today. Yet few understand what it involves much less why it is
becoming popular beyond the fact that it has become routine at Silicon Valley
companies. Let’s learn what hot desking is before listing the advantages and
disadvantages. We’ll also share a few observations about how to make hot
desking work for your team.

An Introduction to Hot Desking

Hot desking means people choose the desk they want on a daily basis instead of
having an assigned desk or cubicle. Because different people may use the same
desk over the course of a week or even the same day, this is why hot desking is
sometimes called desk sharing. Hot desking started around the same time as the
open office plan, but hot desking may or may not occur in an open office.

The Advantages of Hot Desking

Hot desking has a number of advantages. It may reduce the number of desks you
need to have available, if you have a number of people who work at home or
travel periodically. Desk sharing dramatically reduces overhead costs if you
have people on different shifts sharing desks instead of having their own,
dedicated workstations.

For creative types, the ability to
choose where they work and who they sit with can be a plus. For example, they
might be able to take a workstation with advanced computers for a design
project one day and a basic day the next. And they may appreciate the autonomy,
too.

Hot desking may result in more
organic interactions with a variety of people, since your team members aren’t
always sitting next to the same people. However, not everyone wants to have to
worry about where they’re going to
sit or set everything up at the start of the day. And hot desking isn’t
practical in all cases. You may want your IT staff sitting near the server
room, not a couch in the break room.

Hot desking often results in
cleaner workspaces. Since staff cannot leave personal items in the cubicle,
they aren’t able to pile it up with junk. This also makes it easier for
custodial staff to clean it at the end of each day.

The Disadvantages of Hot Desking

Your permanent office staff may not like hot desking, since it interferes in
their productivity. They shouldn’t have to find and fight for workspace. You
also risk breaking up teams, since people aren’t always able to sit together.
Give those assigned to an office a permanent desk, especially if they have a
lot of tools and equipment in their office. Set aside hot-desks for
freelancers, contractors, road-warriors and work-at-home staff that only come
into the office once in a while.


Observations about Hot Desking

Not every person or job function is highly mobile. Recognize when your company can and should have dedicated offices for personnel. Serviced office providers like Halkin can provide a mixture of dedicated offices and workspaces perfect for hotdesking professionals.

If someone’s job means they can
work anywhere, anytime, consider letting them work from home more often.
However, you may want to talk to staff comfortable with hot desking about IT
security concerns. For example, your business is at greater risk of malware
infection and hacking if they’re routinely accessing the corporate network from
coffee shops or personal computers.

You may need to implement a
workspace booking solution to maximize the use of in-demand workstations,
whether they have the best views or most advanced computers.

Hot desking can be combined with
managed office space rentals. For example, you might work from home the vast
majority of the time but pay to use an office when meeting with clients.

Understanding the Roulette wheel: Secrets Revealed

The roulette wheel might seem like an unpredictable casino game until you realize how it really works. The logic and design of the roulette wheel are mainly to distract players from seeing through the game and making a proper strategy. You might be thinking the game’s result is totally random and that all you’ll need is luck to win. However, I bet you will change your mind after going through this. First, let’s discuss the two popular layouts of the roulette wheel that we have and then some of the secrets behind this popular table game that you will find at every casino, including mansion, among others. Many people always seem to lose focus at the table and then forget the main deal of the game ‘’the wheel”. Once you understand the layouts and the defects of the wheel, you can come up with whatever strategy suits you to win because there will always be defects with either the wheel, table, dealer, or even the house.

The European and American Roulette
Wheel

  • European Roulette Wheel
    layout

This is the most famous layout for the
roulette wheel having 37 pockets, numbers ranging from 1 to 10, 19 to 28 with
just a single green pocket 0. This roulette layout drastically reduces the
casino house edge. The European roulette wheel follows a clockwise sequence of
0-35-15-19-4-21-2-25-17-34-6-27-13-36-11-30-8-23-10-5-24-16-33-1-20-14-31-9-22-18-29-7-28-12-35-3-26.The
name Devils wheel was given to the game has the sum of the sequence is the
beast number ‘’666’’ and yeah, that’s kind of creepy

  • American Roulette wheel
    layout

This layout possesses two green pockets 00 making
the total number of pockets 38 unlike the European layout thereby giving the
casino a house edge of 5.26%. This double-zero wheel follows a clockwise
sequence of
0-28-9-26-11-7-5-22-34-15-3-24-36-13-1-00-27-10-25-29-12-8-19-31-18-6-21-33-16-4-23-35-14-2.

The Wheel layout

Looking at the
way the two types of wheels were designed. It is observant that the numeric on
the wheel is not the same with what their arithmetic value would propose.
Theoretically, the roulette wheel is a balanced game. The wheel was designed
for different purposes, but its main purpose is to confuse the players. Newbies
tend to find it difficult to understand the wheel when observing it because of
his/her lack of knowledge about its layout. You’ll also need to know about the
parts of the wheel for easy identification as a newbie in the game because some
of these parts hold tremendous secrets. Let’s shed some light on two of those
parts;

  • Diamond

Diamonds are
metal disruptors that are situated at numerous parts of the wheel, which
deflect the ball. The secret here is that there will always be some particular
diamonds that the ball hits more frequently, those diamonds are called Dominant
Diamonds. This leads to the ball dropping off at a specific point somewhere
around the wheel. Professional players make use of these dominant diamonds to
predict which pocket the ball is going to drop.

  • Ball Track

This is more of
a racetrack but just think of the cars to be balls and only one is running on
this track.  It is made of wood, which is
coated with epoxy plastic. We all know that objects will always have its
defect, the same goes for the ball track too which is subjected to wear and
tear. So this can also change the result of a random game into a strategize
game.

House Edge

Knowing the house edge also called the house advantage (the amount the player loses at each consecutive bet). This gives the players the upper hand when staking at the roulette table. However, many people fail to see through this. Sometimes because players don’t care or sometimes because the player believes, the game is dependent on luck, which is not true.

In the American roulette, the probability
of winning with a single number is 1/38. This indicates that the players win is
doubled 35times, which cannot be seen easily. There is a 37/38 chance that a player
will lose the bet (the players will certainly lose in 32 games). This means
that the casino has about 5.26% edge over the players but you can turn that
around when you understand what really gives them this house edge.

The existence of the green squares is
technically the house edge in the game when players make outside bets he/she is
certain to lose when the roulette spin ends on a single or double zero and the
casino has a house edge not just on the outside bets but also the inside bets.
In inside bets, the players’ probability of winning is like 1 out of 38 or 37
with the payout been 36 to 1 (the win is doubled 36times) and players are
mostly deceived by the payout because surely the casino won’t disclose their
house edge to you before you play.

Let’s look at an illustration, if a player
makes a $10 bet on red which has like 50 to 50 percent chance of winning, he’s
unlikely to lose all his money ($100) after only 10bets and its likely for him
to continue to wager until he finally loses everything or choose to vacate the
place. Another player can decide to wager his $10 bet on a number (which has
1/38 chance of winning), he’s likely to lose all his $100 after just 10 bets.
Next time you decide to hit a big win with the roulette wheel, learn more about
its house edge.

Taking advantage of manufacturing defects

The roulette may be made with accuracy but in the end, you’ll find out that it might not be that precise after all. Two brand new roulette wheels can be spun at once at the same speed and you’ll still end up with different outcomes.

Conclusion

By now you will have realized that winning at the roulette wheel is not all based all luck but also with how good you are at strategizing with the edges you have over the house to play a better game and win. If you can perfect your strategy, you could become a master of the roulette wheel and that is quite some reputation.

8 Essential Skills all Small Business Owners Should Have

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To be a
successful business owner, you need a good idea, a market with a demand, and
know how to execute. You also need to have a set of basic skills if you want to
be able to succeed. This is especially true if you have a few employees working
with you.

However, many business owners have a vague idea of what it means to run a business, and find out that they’re limited much later on, especially when it comes to technology. But with the right set of practical skills, you’ll not only be able to run a tighter ship, but also have a much more hands on approach without having to constantly depend on outside workers. Here are some essential tech skills all small business owners should have.

Basic Computer Literacy

The very
first thing that you will need is basic computer literacy. You might be old
fashioned, but without this, you’ll be lost. No matter what field you’re in,
you will need to have at least a basic understanding of how computers work.

Not only
will you be able to protect your business better, but you’ll also be able to
use the power of the internet to advertise your business more efficiently, and
for less money. You won’t need to spend thousands of dollars working with a
digital marketing agency or IT consultants. Not to mention that you’ll have
little understanding of what they’re doing if you don’t have a formation and
could get taken advantage of.

This is
why you should consider at least completing an ECDL course before you get
started. If you’re already running a business, know that you can get your ECDL course online through services like findcourses.co.uk.
They will connect you with a variety of training providers close to you. If you
prefer to take the class in a traditional setting, they can also help you find
those too.

The ECDL
will give you a formation in things such as spreadsheets, word processing and
online marketing among other things. These are all skills that will allow you
to run a better business, and could give you a serious return on investment
when considering the help you won’t have to hire.

Basic HTML Skills

This is another very important tech skill that all business owners should master. HTML is the language used to build websites, but it has various other applications too. While it can be intimidating at first glance, HTML becomes much simpler once you learn the basics (or learn how to use WYSIWYG Editor like TinyMCE).

When you know
HTML
, you’ll be able to modify aspects of your website, like images,
navigation, and design. You could also learn how to build your website
yourself. It’s easy to start with a CMS like WordPress, for instance, and learn
how to modify themes yourself. Knowing this skill alone could save you
thousands of dollars on a website. And if you decide to have your website built
by a professional, you’ll be able to do some maintenance and troubleshooting
without having to keep them on a retainer.

Google Analytics

If you’re
going to learn HTML and build websites, you also have to be able to monitor
their performance and activity. This is why it’s essential that you understand
Google Analytics and always work on improving your material.

Google
Analytics is very straightforward and allows you to monitor things such as the
number of unique visits, enter and exit pages, and how long visitors are
staying on your website. But one of the most valuable things you’ll learn is
something called the bounce rate.

The
bounce rate is the percentage of visitors that come in and come out of your
website without visiting any other pages. Bounce rates could give you a clear
idea that there’s something wrong with your website. But furthermore, sites
with high bounce rates are viewed unfavourably by search engines, which will
hurt your visibility on them.

Search Engine Optimisation

Speaking
of search engines, search engine optimisation, or SEO for short, is one of the
most valuable skills that you could learn. SEO is the science of increasing
your visibility on search engines. But it’s also about knowing how to avoid
mistakes that could end up hurting your website.

SEO is
not about “tricking” search engines. It’s more about how to apply best
practices in order to organically move up the search results for specific
terms. SEO can be a great way to build tons of organic traffic, and when you
know SEO, you don’t have to constantly pump money into it. And even if you
don’t intend to do your SEO campaigns yourself, it will allow you to better
understand what SEO agencies are doing when you hire them.

Email Marketing

Email marketing is one of the most efficient
and powerful marketing tools that you can use. It’s laser targeted,
cost-effective, scalable, and quantifiable. You could use it to build a loyalty
program and inform clients about special deals. You can also use it to gain a
following online, and inform people about product launches. And, if you have
basic skills, email marketing is pretty simple. This is one of the best skills
that you can have if you don’t want to overspend on advertising and want to get
the most bang for your buck.

Social Media

Social
media is another tool you’ll need to master if you want to be able to build
your brand. It plays a central role in a lot of people’s lives, and is much
more powerful than traditional media in many cases.

When you
understand how social media works, you’ll be able to build a connection between
your brand and large audience. You can also learn how to use viral marketing
techniques and how to use hashtags. Social media is one of the most cost
effective marketing methods that you can find so it’s well worth investing in.

Payment Processing

This is
one of the most important things that you can learn if you want to not only be
able to process online payments, but offline payments as well. There are tons
of apps that allow you to accept mobile payments nowadays without the need for
an expensive merchant account.

Understanding
how payment processing works is also important if you’re trying to add things
like a shopping cart to your website. But more importantly, understanding it
will also allow you to guard yourself against attacks, and make sure that your
clients’ payment information remains secure at all times.

IT Security

This is
another crucial skill that all business owners should have. You can always hire
a consultant, or use a managed solution, but without a basic knowledge of how
IT security works, you’ll always be vulnerable.

With an
in depth knowledge of IT, you’ll be able to identify attacks quickly, find
leaks in your organisation, and be able to implement the right solutions to
prevent malicious attacks from inside or out. Not only that, but you’ll be able
to set up a clear IT security policy in your organisation, and make sure that
everyone follows through.

Conclusion

These are
only some of the tech skills that will help you as a business owner. However,
these could make a big difference on how dependent you’ll be on subcontractors,
and will allow you to have a clearer understanding of the tech aspects of your
business.

The Changing Face of US Sports Betting

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When you think of gambling in the USA, you will immediately think of Las Vegas. This is because up until recently, the state of Nevada was the only place you could legally bet.

Fast forward to 2020 and the US betting market has come to life, with the expectation being that it continues to sharply rise over the next decade.

At the start of 2020, 14 states allowed sports betting to take place within their boundaries. Many others are on the cusp of allowing it, with the correct legislation in place to move forward. If you are one of the lucky ones who are allowed to bet or play games – check https://top-canadiancasinos.com to get the best of it

The expectation is that we will be up to around 20 states by the end of 2020.

Why June 2018 Will go Down in US Gambling History

It was in June 2018 that the first sports bets were taken anywhere outside of Nevada. This paved the way for what we have today, with Delaware and New Jersey being the first states to allow sports betting.

There was no sudden urge from people to gamble, that had always been there. However, strict laws had always prevented those interested from taking part. That has made other types of competition such as fantasy sports and work pools hugely popular in the US, but those could be on their way out.

With sports betting gradually taking over, the need to play fantasy sports won’t be as strong. The same goes for betting in work pools, why put your money in the pot if you can get better odds and bet exactly how you want to with a bookmaker?

All the US needed was one move to open the floodgates. June 2018 and the ability for people in two states other than Nevada to place bets will go down in history as being that first move.

Will the US Become as Big as the UK for Gambling?

While it may only be a tiny island in comparison to some other places around the globe, the UK gambling market is one of the largest. Many of the big UK bookmakers are staking their claim to the US markets.

William Hill have been at the forefront when it comes to applying in many states, clearly signalling their intention to have a strong US presence. In terms of potential customers, the US market could not only match the UK market, but could eventually dwarf it.

The UK market has many good betting offers available for customers to use, and the expectation is that those will find their way into the US market. No deposit betting offers are not easy to find but provide customers with the chance to try betting risk-free, ideal for newcomers.

It will take more states to get involved, but the signs are all there that the US sports betting market will eventually grow to be even bigger than that in the UK. This is despite the UK market being in play for many years and the US market only just starting.

How Will Things Change in 2020?

The first thing to expect is more states to officially legalise sports betting this year. States such as Colorado, Montana, Washington and Tennessee are all close to completing the deal, with some of those expected in the first half of 2020.

We are also likely to see a new wave of states come on board. These are the ones who agree via votes and legislation that legal sports betting can happen.

Those doing that in 2020 will not be officially betting until 2021, but it is another sign that things are moving at a rapid rate.

How to ask for a pay rise

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As they develop their skill set and achieve goals in
the workplace, it’s understandable that most employees would like, or perhaps
even expect, an increase in salary to match. However, this doesn’t mean
everyone is seeing their accomplishments reflected in their pay packet.
According to Totaljobs’ most recent Job Satisfaction Index, 70% of those surveyed
had not received any pay rise or promotion in the last year. What’s more, those
that believe they deserve a raise might not be brave enough to request one.
Research by CV Library showed that two out of three men and a mere two out of
five women would feel comfortable asking for a pay rise.

If you can relate, have no fear. Nerves shouldn’t be
what stand in your way of asking for a higher salary. When the time comes to
discuss an increase in your wages, follow these steps, and hopefully you’ll be
able to negotiate the raise you deserve.

1. Do your research

When asking for a pay rise, you’ll be in a much
stronger position if you already have an ideal salary in mind. We’d all love to
see our wages double or even triple, but you can’t just pluck an
unrealistically high number out of the air and expect to be taken seriously.
Instead, do your research and choose a fair, realistic and well-informed new
salary to put to your boss. And the only way you’ll know what you’re worth is
by finding out what others like you are being paid. London-based creative
recruiters Major Players recommend researching the
salaries on job listings similar to your role, speaking to friends or mentors,
or contacting a recruitment.

However, it’s also important to look into the state
of your company before you initiate negotiations. If the business is having a
financial lapse, now is probably not the time to ask for a pay rise. Make sure
you read over the company’s pay policy too — if there may be a set procedure in
place, you will need to see which criteria you need to meet before being
considered for a pay rise.

2. Ask after a big accomplishment

The best time to ask for a salary increase is after
achieving something notable in your job. Research from Payscale shows that
senior staff have a better chance of getting a pay rise than those
in lower-placed roles, with managers 42%, directors 119% and executives 142%
more likely than an “individual contributor”. This suggests that those who add
the most value to the company have the highest odds of boosting their pay
packet. Therefore, to swing the balance in your favour, the best time to ask
for a pay rise is when you’ve done something that truly proves your value. If you’ve just completed a
difficult project, exceeded your targets, or played a leading role in securing
a major new client, this would be the perfect moment to discuss your salary.
Your boss will be far more likely to agree when your recent successes are fresh
in their mind.

3. Have good reason to request
more money

You need to have solid evidence to support your case when
asking for a pay rise, as your employer won’t be necessarily willing to spend
any more money on you if there’s no demonstrable reason to do so. NHS worker
Tessa Fyson learned this the hard way, as she explained
to the BBC
: “When I got asked the inevitable question, ‘Why should
we give you a pay rise?’ – I froze! […] It made me feel and look incredibly
naïve and I was told to think of the reasons why and then come back.”

Make sure there’s at least one impressive achievement you
can draw upon to explain why you deserve to be rewarded. Your point will be
made even more effectively if you can emphasise your accomplishments with
concrete data. Tracking your performance with simple visual aids like graphs,
charts or even just percentage increases will clearly demonstrate how your work
has directly benefited the company.

4. Be confident

This may be easier said than done, but you have to hold your
own when broaching a topic this important. Talking about salary always seems awkward—Brits,
for example, find it harder to discuss money than personal issues
such as mental health and infertility. However, if you have done all the
necessary research and can supply solid evidence supporting the reasons you
deserve a pay rise, there’s no need to be scared.

Practice how the conversation could go with family or
friends if you want some extra preparation. And even if you do feel anxious
once you’re in front of your boss, try and fake confidence by sitting up
straight, making direct eye contact, and speaking as calmly and professionally
as possible. Hopefully your employer will agree to your proposal, but even if
not, they’ll certainly respect your approach and look upon you more favourably
when you next ask for a pay rise.

5. Consider alternative benefits

Of course it will be a disappointment if your request is
declined, but if this does happen, try and get the most you can out of the
conversation by mentioning any other benefits you’re interested in. Over
two-thirds of British employees claim that a pension scheme is one of their most valued workplace benefits, along with
health insurance, life insurance and critical illness cover. Consequently, if
you want your employer to increase the contribution they make to your pension
scheme, for example, ask about this sooner rather than later. This chat is also
a great opportunity to discuss your work-life balance, target-determined
bonuses, or the notion of taking on further responsibilities. As you will have
already demonstrated your worth earlier in the exchange, you will have
hopefully proved your value to the company, and won’t leave the room
empty-handed after all.

Good Reasons To Invest In Real Estate in Kemer

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Kemer is a beautiful seaside resort city in Turkey along the southern Mediterranean coast. Lately, Kemer has garnered worldwide interest as a tourist spot with its turquoise blue waters, hills, and pine forests. 

However, today, Kemer is not just simply appealing for seasonal tourists, but also to those who are keen on buying homes or commercial estates in Turkey.

Real estate investment is a crucial step while deciding on investment choices. The economic stability of a country, its culture and popularity, and accessibility are all matters of important consideration.

So if you are considering buying a property in Turkey, here are some of the best reasons why you should consider Kemer for making a real estate investment. 

  • State Infrastructure and Ease of Transport

For real estate investors, it is imperative to choose a location after taking into account the infrastructure necessary for investment, alongside an easy and reduced cost of transportation. 

Turkey stands out with its brilliant technical infrastructure— ease of transport and communications, consequently making it one of the most fitting spots to make real estate investment. 

Kemer has fast and cheap maritime transportation alongside a very reliable railway network connecting Central and Eastern Europe. The easy foreign exchange rates are an added boon to the entire scenario. 

  • A city of varied attractions

Kemer is not only famous for its coastlines, but it is also one of the most vibrant convergence points of different cultures—both Asia and Europe. 

As such, each of its regions has varied but major attraction points to offer to foreign nationals whether for travelling or buying a property according to their priorities. That said, there will be several options (from residential villas to commercial estates) to explore before settling on a property. A local real estate agent will be able to give you more detailed information.

Here’s a look at some of the most iconic and stunning properties in the region.

  • A Growing and Stable Economy

The attraction Kemer has achieved over the last few years naturally resulted in Turkey to be open to foreign capital and investors on a large scale, especially in real estate and tourism sectors. 

In 2019, Minister Albayrak, the Minister of Treasury and Finance, stated that the Turkish economy will continue to grow by 3-4% in 2020. 

And, right from the third quarter of 2019, the economy started expanding at a rate of 0.9% which by the end of the year went up to a 5% high. 

According to the Turkish Statistical Institute, the first nine months of 2019 witnessed a sale of more than 6000 residential properties to foreigners which is a whopping 19% increase, year-on-year. Based on this forecast, the city is expected to see more than 10,000 real estate units sold to local and foreign investors. 

The country is hopeful that by 2020 the Turkish economy will witness very significant and steady growth.

  • A Young and Competent Population

Turkey’s demographics and population promise a vast growth potential when compared to much of Europe. Home to 79 million people, the median age of Turkey is only over 30, much younger than anywhere in Europe. 

Investing in a foreign place requires the investor to understand the presence of qualified, employed youth in order to negate the problems of labour and employment that could cost a country’s economy. 

According to the Turkish Statistical Institute, Turkey is home to 29 million youth, locals and both outsiders who come as a competent workforce for the country. This stability is a great opportunity for anyone aiming to make investment choices in the country. 

  • Ease of Legislative Laws 

Kemer has become a hotspot for real estate investors increasingly after the legislative amendment act which came across in September 2018. 

The amended law eased the procedure of acquiring Turkish citizenship by investment. Foreign nationals who want to buy real estate in Turkey now require a minimum investment of $250,000, while previously the minimum investment amount was $1 million.  

Not only is the investment amount low, but it is also greatly favourable when compared to the laws and minimum investment thresholds of other countries such as Greece, Malta, Spain or Portugal. 

To further encourage buyers to invest in the real estate sectors, Turkey has reduced the institutional profit tax, applicable to foreigners from 33% to 20%. 

  • Great geopolitical location

The very geographical location of Kemer is a major consideration for buyers to invest in real estate. Being centrally located it has historically been a bridge between the Asian and European continents. 

Turkey has welcomed commercial routes linking the East and West. And it is still one of the best transit points in trade relations as it is strategically located within the reach of about 1.5 million people in Africa, Europe, and Asia. 

Conclusion

Timing is one of the most vital aspects when it comes to investing in the real estate sector, particularly with luxury real estate homes.

And, now is the perfect time to choose Kemer― the promising economy, thriving population and legislative policies offering the best real estate choices to buyers and investors as Turkey enters the new decade.

5 tips for buying a car on a budget

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Whether you’re considering buying your first car, or feel
it’s time to upgrade your current model, buying a vehicle can seem impossible
if you’re on a tight budget. As well as the thousands of pounds you’ll need to
spend on the car itself, you will also have to consider insurance, taxes and
other fees to cover while you’re out on the road. Luckily, a new set of wheels
doesn’t have to be as expensive as you think. Follow these tips to bag yourself
a new car at the lowest price.

Calculate your costs

You probably already have a rough idea of how much you’re
willing to spend on a new car, but you will also need to factor in the costs of
continuing to run it. Beyond keeping it insured and making sure it has a full
tank, there’s annual MOT tests and maintenance, and vehicle tax to consider, the latter of which
depends on how much CO2 your car emits.

Savvy buying techniques could help you reduce some of these
fees. For example, you can cut car insurance costs by paying annually
rather than monthly so you aren’t charged interest, or take out black box
insurance cover. This involves installing a telematics box to track your
driving, allowing you to pay less on your vehicle, provided you drive safely
and follow the rules laid out by your policy. And while electric vehicles (EVs)
tend to be more expensive than their gas-powered counterparts, buyers are
exempt from vehicle tax. Studies have also suggested that EVs are cheaper to own and run. Take all these
factors into consideration, and look for any potential deals and cost-cutting
measures. Then once you’ve set your budget, stick to it.

Decide how you’ll finance your car

Although making a single payment is the cheapest way to buy
a car in the long run, not everyone has the funds to pay up front. If you can’t
save up the money, or you need a vehicle more urgently, buying a car on finance
is an affordable short-term option.

The two main types of finance offered by dealers are hire
purchase (HP) and personal contract purchase (PCP). HP is a loan secured
against the car itself, where you’d own the vehicle after the final payment.
PCP requires lower priced instalments, followed by a lump sum ‘balloon payment’
at the end which enables you to purchase the car outright. This is also known
as the minimum guaranteed future value (MGFV), though if you no longer want the
car, you won’t need to pay it. Instead, the MGFV will be returned or, if the
car is worth more than the balloon payment, you can use the difference as a
deposit on another vehicle.

HP can often work out cheaper than PCP because you’re paying
the loan back faster. Another difference between the two is the fact that HP
plans have no mileage limitations, whereas PCP agreements will include
restrictions. This is because the number of miles you’re expected to have
covered by the end of a PCP agreement will be used to work out the MGFV. As
noted by lenders at Carfinance+, the amount borrowed in an HP
agreement is based on the car’s value at the beginning, so you’ll pay back the
amount that was agreed on at the start of the plan, even if its value decreases
over time. However, as the cost of a PCP loan is determined by the car’s MGFV,
you’re only borrowing the difference between its value at the start and end of
the agreement.

If you don’t want to start a finance plan, you could
consider using a credit card or personal loan to finance your new car . Bear in
mind that these options are usually only available if to those with a good
borrowing history, so if you don’t, it’s better to look for a car finance
provider who offers deals to people with bad credit.

Consider when you’ll be buying your car

Buying a car on Monday rather than Sunday, or in December
rather than May could considerably impact how much you end up spending.
Shopping earlier in the week is beneficial, as there will be fewer customers,
allowing you to receive more personal attention, and more time to negotiate a
better deal. Similarly, dealers are keen to fill their yearly and quarterly
quotas, so waiting until the end of the year could help you make a saving.
Ramit Sethi, best-selling author of I
Will Teach You to Be Rich
says New Years Eve is the best time to buy a car. This is because it’s
the last chance for a dealer to make both of these goals and receive their
bonus, meaning they’ll be keen to shift cars as quickly as possible.

You also need to consider how the time of year could affect
demand for the particular car you’re interested in. For example, convertibles
are more popular in the summer, and four-wheel-drive vehicles tend to peak in
autumn and winter, which means you’ll be more likely to save money if you shop for
these makes out of season. Alternatively, wait until new versions of existing
models are due out, and buy the previous version during its last few weeks in
the showroom, when dealers will be keen to shift it. If you’re hellbent on
having the latest version, wait a few months after it’s launched, when the buzz
has died down. February and August are also good times to shop as dealers will
want to get rid of stock before new number plates are released in March and
September.

Shop around

Searching for a car online is the easiest way to compare
local dealers and find private sellers through platforms like Gumtree. You can
find either pre-negotiated discounts, or ask them to obtain one for you once
you inform them what type of car you’re looking for. It’s crucial to obtain
quotes from every seller you ask, in order to help you find the cheapest deal
and negotiate the price accordingly.

According to AutoTrader, franchise dealers who specialise
in one or two manufacturers are the best places to look for high quality, newer
models. You may also be able to obtain financing and warranty as part of the
service, though franchise dealers tend to be the most expensive option overall.
Independent dealers are cheaper, but may offer fewer services, and have less
knowledge of the specific model of car you’re buying. Car supermarkets are great
for a wide range of low-cost, mainstream vehicles, but will charge an admin
fee, while private sellers may offer the best prices as they don’t have
business costs to worry about. However, this method is most commonly used to
sell older models, and you’ll have less legal protection, so will have to
conduct rigorous checks to ensure you’re not being scammed. Explore all your
options to boost your chances of snagging the best price.

Try and haggle

Haggling can often feel nerve-racking and uncomfortable, but
you need to deal with it if you want to save significant sums on your car. If
you’ve researched sellers, you’ll already have some idea of what you should be
paying, and you could always supplement your understanding by referring to
online valuation tools and buying guides. This information can help you set
your starting price, which you can ask a dealer to then match or beat. You
should also keep an eye out for any minor issues with the car, like scratches
or streaky windshields, as although you can easily fix these yourself, pointing
them out may help you drive down the price.

Car sales teams almost always have room to manoeuvre when it
comes to price, though you could haggle for other perks like free servicing.
However, if they don’t offer you any incentives, don’t be afraid to simply walk
away. You should never pay more than you’ve budgeted for, and there’ll always
be other places to look.

5 Reasons Why You Should Consider Having an Individual Voluntary Agreement

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Individual Voluntary Agreement (IVA) is a legal binding between debtors and his creditors that offers a debt solution and protects the debtor from a legal binding. If you have unsecured debts like payday loans, personal loans, credit cards, and other outstanding bills, you should consider getting debt help. IVA is the best debt relief solution that offers protection from the creditors. Creditors cannot take any action against you after you enter an IVA. IVA is an agreement according to which you make your repayments based on your financial situation and income. The remaining debt can also be written off when you can’t manage to pay more. Here are some reasons why you should enter an Individual Voluntary Agreement.

  • No Legal Action Against You:

Most
creditors tend to take legal actions against the debtors when they aren’t
making repayments. An IVA protects you from legal actions. You are legally
protected and exempted from the legal actions once you sign an IVA. That means
you will be off the hook, and you will not receive any warnings. Your creditors
give up their rights to take legal actions against you. 

  • Your
    Assets Will be Safe:

When you get IVA help and advice, your assets are also protected. This means you don’t have to liquidate your assets and valuables to pay off your debt. Moreover, no one will force you or threaten you to sell off your assets to make your debt repayments. This agreement ensures that you make manageable repayments through your income, and you don’t have to lose your home equity, properties, and other belongings for settling debts. 

  • Your
    Credit Score Will Get Better:

Filing
bankruptcy is a terrible decision as it affects your reputation, and your
inability to pay off debt becomes public knowledge. With an IVA, your difficult
financial situation is best kept between you and your family as it helps you
avoid bankruptcy. Bankruptcy also leaves a lasting mark on your financial
reputation. Also, IVA recovers your poor credit rating at a faster pace and is
certainly a better option than going bankrupt. Thus, IVA is the best way to
avoid bankruptcy. 

  • Protects
    Your Future:

When an
IVA is signed, you are sure that you have to deal with debt only for a fixed
time period. This is an agreement in which your creditors agree on a certain
time period to settle the debt, meaning that you won’t be struggling to pay off
your debt for the rest of your life. In most cases, an IVA lasts around five
years. IVA is a legal obligation that binds you and your creditors to it. So,
you don’t have to worry about your creditors changing their minds later. They
cannot ask you for additional installments once they sign an IVR. 

  • Freeze
    the Interest Rates:

Almost
all forms of debt involve interest that makes it even more difficult for the
debtors to repay all the outstanding debt. Therefore, you should consider
entering an IVA as it freezes the interest owed on your unsecured debt so that
you don’t have to deal with a huge buildup of interest. Massive interest rates
are a huge financial burden, and an IVA can help you a lot in this respect.
This means all your repayments will be going toward paying off the actual debt
rather than the interest. 

Thus,
if you are in debt, seek the IVR help and advice as you cannot set up this
agreement yourself. An IVA helps you pay off your debt with a single monthly
payment that is set considering your current financial situation. 

An Introduction to Ecommerce Fulfilment Centres

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What Are Fulfilment Centres?

Fulfilment centres are a storage and distribution hub. They will receive orders and ship them to customers. Fulfilment centres may serve a single business or accept orders for a variety of firms.

Why Are Fulfillment Centres Important?

Don’t take time and energy away from your retail staff to fill online orders. Don’t waste valuable space in expensive retail stores trying to pack and ship online orders. That’s one of the benefits of fulfilment centres. They can be set up in much cheaper warehouse and industrial space and take advantage of excellent transportation access to ship more packages at a lower cost.

Ecommerce fulfilment centres have all of these advantages along with economies of scale. Mail distribution companies or third party logistics (3PL services) have a single massive warehouse or grouping of them. They have dedicated, trained staff. And they can take advantage of bulk shipping discounts when shipping orders to your customers. That pays off when you’re shipping heavy items or multiple items as part of a single order. This makes third party ecommerce fulfilment far cheaper than trying to set up your own fulfilment center in a warehouse.

Furthermore, ecommerce fulfilment centres allow small businesses to offer the same level of service as larger firms when they start selling online. You get a cost-effective mailing solution that eliminates the stress of trying to fill orders that come in 24×7. You don’t have to find people to pack orders over weekends or holidays. The fulfilment centre does all of it.

How do you work with an ecommerce fulfilment centre? All you need to do is connect your ecommerce ordering system to their inventory management system so that they have the information they need to fill the order and send them the inventory they’ll ship to customers.

What are the biggest benefits of fulfilment centres?

• Custom management information and reporting

• Professional inventory management

• High speed tracking of orders from receipt to deliver

• Cost-effective 24×7 warehouse and shipping labor

• Dramatic savings on shipping costs

The best ecommerce fulfillment centres have dedicated account managers to help you when you have questions or run into problems, whether they’re shipping a few dozen or several hundred orders a week.

What is the ecommerce fulfilment process?

A third party logistics or 3PL service will become an extension of your business. The process of integrating them into your business can be summarised as:

1.  Store and fulfilment integration

This is the process of integrating IT systems so that your website receives orders and passes information on to the fulfilment centre. The data should include the name, address and other pertinent information to track the shipment.

2.  Inventory management

Too many small business owners think that shipping the first batch of product to the fulfilment center is the last thing they need to do. In reality, you want there to be enough orders that you have to regularly restock the fulfilment center. The fulfilment center should send you requests for inventory with enough time to ensure that they don’t run out and your customers don’t abandon purchases because the item isn’t in stock.

Fulfilment centres should also check inventory regularly, correcting inventory when items are lost, damaged or expired.

3.  Order fulfilment

The most important job fulfilment centres have is fulfilling orders. The IT system integration means the fulfilment center is alerted when an order comes in. They should pack and ship orders correctly, quickly and securely. It doesn’t matter if they do it fast if there are items missing or if product is damaged in transit.

4. Returns processing

Every business is going to encounter problems, and customers will make mistakes. The customer may realize they ordered the wrong item or more than they expected. The fulfilment centre might have shipped the wrong item. This is why you need to choose a 3PL vendor who can effectively handle returns, while properly crediting the customer’s account and the inventory management system.

Are you looking for an ecommerce fulfilment centre?

The Delivery Group has three core principles: people, partnership and performance.

This allows us to provide a fast, flawless and cost-effective solution for your ecommerce business. Contact ourteam today.

You Never Knew What All You Can Get With Bitcoin!

0

Bitcoin has come a
long way and has slowly made its place not only in the heart of people but also
in smart phones. I say so because gone are the days when Bitcoin was just a
mere trading pleasure. It has moved on from that phase and now found a place
outside the outlets and stores that say “Bitcoin accepted here.” 

Oh, yes! Bitcoin is
now accepted as a mode of payment by famous brands like Microsoft, Rolex, and
Dell among others. It is not the end, the list continues. Read this article to
find out all the amazing things that you can buy with Bitcoin.

  • Alienware
    Gaming PC

If you are a
tech-head or crazy about Video games then you will be glad to know that
Newegg’s Alienware is making some cool area 51 boxes that focus on fast
graphics proceeding speed. You can easily get a pair for yourself by paying in
Bitcoin. Yes, you heard it right! Newegg accepts Bitcoin as a mode of payment.
So, if you have already earned enough Bitcoins, time to chill with some cool
video games.

  •  Diamond and gold Jewelry 

A diamond is a
girl’s best friend and also a great investment. So, if you are interested in
diamonds, you can own one with Bitcoins. Yes, REEDS Jewelers have started
accepting Bitcoin payment for their beautiful diamond and gold jewelry. You can
also visit their website and pay for any jewelry item in BTC. Sounds cool,
isn’t it?

  • Charter a yacht 

Isn’t it beautiful
if you could just take a break from all the hustle-bustle and go for a peaceful
trip on a yacht, enjoying the deep silence and warmth of the sea? Well, now it
is possible with Yacht Base that takes you to the trip, to beautiful
destinations of Caribbean, Croatia, Greece, & Italy. The Yacht base can
make your dream trip possible with payment in Bitcoin. So, you can enjoy a
peaceful, well-deserved trip after trading Bitcoin hard and becoming bitcoin-billionaire.com.

  • Rolex

Rolex is a
well-known brand that needs no introduction. Seems the brand has also understood
the value of Bitcoin and that is the reason it is offering stylish watches for
Bitcoin payments. Rolex is offering watches at a decent price of $7,450 or 1.0
BTC, so hurry up and get one before it’s too late.

  • Allurez Diamonds & Fine Jewelry

Seems like the
Jewelry industry has understood the value of Bitcoin and that is the reason why
so many jewelry outlets have come forward to accept Bitcoin as a mode of
payment. One of such jewelry outlet is Allurez Diamonds & Fine Jewelry.
This fine Jewelry outlet is offering a 14-carat gold chain for Bitcoin payment.
Gold is never a bad investment as it’s value always goes up, so you can go
ahead and get this if interested. You can get the amazing Gold chain for $7072
or 0.95 BTC.

  • Amazing
    Flight to space 

Spending Bitcoin for
a flight to space is worth it. It is something that you must add to your “to-do
list”. You will be glad to know that Virgin Galactic accepts Bitcoin as a mode
of payment for an amazing trip for their suborbital flights. You will be amazed
to know that Virgin Galactic is booked until 2021. So, it is something that you
must give a try to. Book a seat for yourself today at $250,000 or 33.6 BTC.
Trust me, it is worth it. Once in a lifetime experience!What do you think of
Bitcoin? Please share with us your thoughts.

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