Home Blog Page 682

Major Technology Trends to Watch Out for in 2021

0
Many people are turning their attention to AI as the technology is expected to flourish in 2021.

At the beginning of every year, people begin to think about what the next 12 fresh months could have in store for society. Especially when it comes to the IT industry, the giant sector is full of development and innovation, that’s worth paying attention to. Let’s take a look at the major tech trends to keep an eye on as we start a highly anticipated new year, 2021.

Machine Learning and Artificial Intelligence

Although AI is not a new technology and has been in development for quite some time, this year specifically is expected to present entirely fresh ways of revolutionising various sectors, including healthcare. Factors such as advanced data collection will heavily benefit hospitals across the world as these smart machines continue to learn tailored algorithms that will help speed up healthcare processes. As the technology continues to forge ahead, AI may also be able to personally select medicine for patients based on data concerning each person’s care plan and needs.

As far as the business world is concerned, 2021 will see a shift in more companies investing their time and money into understanding and developing the technology for use within their systems. Since people are occupying the online sphere now more than ever, whether that be while working from home or E-learning, AI will continue to analyze digital behavior in a more sophisticated way.

Caption: Thanks to 5G technology, browsing the internet, playing games, or paying bills online is faster than ever before

The rise of 5G and the possibility of 6G planning

Currently, many telecommunication companies throughout the world are already operating on a 5G network. The mobile service that was first introduced in April of 2019 has quickly revolutionized the way society interacts with the internet. More and more carriers are beginning to offer 5G to their customers as its predecessors, 3G and 4G, become a thing of the past.

Because 5G is capable of performing at such a high level, delivering search and load speeds up to 20 times faster than previous networks, users are seeking it out as a first option. This is because now, more than ever, people are looking for digital entertainment outlets whether that be in the form of online casinos, first-person shooter games, movie streaming services, and much more.

For example, with the help of 5G, engaging in a multi or single-player live roulette session in the virtual realm or watching your favorite series or film on Netflix is not only extremely secure and accessible, but also efficient and quick as lightning. This high-quality, real-time access is completely invaluable for users in the modern day as live streaming and video content become predominant around the globe.

In fact, 5G has not only enhanced internet speeds but also allowed for Augmented and Virtual Reality to thrive. In addition, cloud-based gaming services such as Google Stadia and Nvidia GeForce Now are given a platform to grow rapidly with the help of 5G. So just what should society expect as connectivity continues to expand? Although South Korea, the U.S., and China contain the most 5G network development and offerings, the service is set to expand further in 2021 and the coming years with 5G reaching an estimated 65% of the global population in the next five years.

6G is also an exciting possibility for the future and definitely something to keep an eye on this year. Experts in the industry have predicted the sixth-generation network will appear sometime in the latter part of the decade, but that the planning process for it may take shape in 2021. One thing is for sure: users are benefiting from these technological advancements, whether that be for professional purposes like work or leisure reasons like gaming.

Cloud Computing and Gaming

Information stored within “the cloud” is commonplace nowadays. Accessing your email from any device may seem like it was always very easy, but before big cloud points like Google and Microsoft, the task wasn’t so simple. In 2021, we’ll see heavy reliance on cloud computing for businesses that wish to further incorporate a data centered lifecycle management system. AI will partner with these companies to ensure more and more people are adequately trained in working with cloud computing.

When it comes to gaming, cloud computing is also benefiting the industry and its users in a big way. Nowadays, both Google and Microsoft each have their own cloud gaming system and have proven to uncomplicate many situations that users face during gameplay. This digitalisation of information both in the business and leisure is invaluable for society and because of this, the cloud is expected to transform each industry even more in the coming year.

Concerted Effort by UK Online Casinos to Address Problem Gambling

0

With recent events causing many people to stay at home, there has been something of a concerted effort by all UK based gambling companies to actively promote their responsible gambling tools, and in turn doing something positive to address problem gambling. In UK there is the GamStop scheme that helped many players give up gambling.

The main problem with the GamStop service is that it is only offered to UK licensed casino and gambling sites, and as such those sites that are located elsewhere outside of UK Gambling Commission jurisdiction are not required to become part of that scheme.

Therefore, it will be worth your time and effort looking for websites that offer information about available non GamStop casino sites, and then spending as much time as is needed self-excluding yourself from each of those sites.

In fact, you only have to look at some of the advertisements on TV to see just how they are going about doing just that. Instead of showing slot machine reels and Roulette wheels spinning, and Dealers dealing out playing cards on those adverts, they are showcasing their responsible gambling settings that customers can make use of.

They include things such as being able to set a deposit limit, putting in place a loss limit and even giving players information on how they can use the take a break option if someone wants to stop gambling at such sites for a period of time.

That really is a refreshing change it does have to be said, for there has been something of an increase over the last few months regarding the number of people reporting they are experiencing gambling related problems due to lockdowns and being stuck and home with nothing to do.

Whether those adverts are going to reduce the number of people reporting gambling problems from rising, does of course remaining to be seen, but at least gambling companies are doing something positive to address that ever present problem. 

GamStop Helping Many People Give Up Gambling

There is no getting away from the simple fact that it is extremely easy to gamble online, and if you are one of the many people each day that have finally admitted to yourself that you do have a gambling problem and would like to set about something to address that problem you do have plenty of help and support available to you.

One thing that you should immediately do however, is to ensure that you take all steps necessary to stop gambling online, and one of those steps if to sign up to the GamStop scheme.

What that organisation offers everybody with a gambling problem is a simple self-exclusion register, and by adding your name onto that register your details are then shared with all UK licensed gambling site operators who are then required to close down any accounts you have with them quickly.

Not only that but each of the sites that are part of the scheme, which for reference are all those licensed in the UK are also going to be legally required to block you from opening a real money account with them.

That is a start to your journey to give up gambling of course, but by adding your name on to that register you will at the very least not be tempted to gamble at any sites located and licensed in Great Britain that you may already have an account at or may be tempted to sign up to at a later date, so keep that in mind.

Circumventing the GamStop Self Exclusion Register

Whilst it is true to say that GamStop has helped many UK based gamblers give up gambling via their self-exclusion register, there are ways that many people have managed to circumvent their bans from casino sites, and as such you need to know how they have done so as that will stop you trying to do so if you want to give up gambling.

That way whilst you are recovering from any type of gambling related problem you will never be tempted to sign up to such sites, which sadly is way too easy to do if you have not asked to self-exclude yourself from any of them.

It may take quite some time admittedly contacting each of those casinos individually, but in the long run that time will have been spent effectively as you will then never be permitted to sign up and gamble at any of them at a later date, so please do make sure that is something you set about doing.

Must-Have Digital Tools When Setting Up a Business

0

There are so many things to remember when planning anything in life, but this could not be truer when planning to open your own business. From the idea stage through to the grand opening, big and small details must be taken into consideration. For some budding entrepreneurs, they are being faced with the tough dilemma: do they open a business amid another national lockdown or ride the storm and wait until the seas a bit calmer. While the idea of opening a business during the current restrictions might be a business owners’ worst nightmare, we are confident that there are some people out there who are itching to jump at the challenge and to make the most of the lull in the market.

If you are one of these risk-taking, thrill-seeking company owners, you have come to the right place! We have listed below a helpful guide of the must-have digital tools for setting up a business. While there are usually physical tools required for these setting-up processes, in line with current government restrictions regarding lockdown, online tools are the focus for today. Get that pen and notepad ready and read on for more!

Website Hosting and Content

The first and most important aspect of running a business online is much like having a physical business; you need somewhere to base your business from. Having a company website is an excellent place to start and will provide your business with the means to access the online business world proactively and effectively. You cannot promote a business online if there is nothing to show for it! Several different digital tools are available for building websites, with the most common including the likes of WordPress and Squarespace.

Both website designing software come with a variety of customisation tools, allowing you to create a website that reflects your company’s products and services in the way you want them to. While it is crucial to have access to tools that allow the customisation and development of a website, you will also require the means for hosting a website on a server, allowing your website to be produced for the customer upon searching. These are the first steps to launching your business in the online world, which will benefit your growth in the long-term.

Social Media Management

In tandem with launching a website, you will want to ensure that you also have social media accounts set up. Not only does this allow you to extend the reach of your business and its brand, but it provides you with an excellent opportunity for corresponding with customers and a wider audience while building levels of rapport with them. Social media business posts can be both engaging but possess a call-to-action, encouraging the audience to go to your website – which should always be linked on the social media channels – and to purchase or hire the products and services you are providing.

While social media is an excellent and free digital tool, it can often seem time-consuming, especially when planning the posts’ content and the schedule for which they will be posted. This detail might not seem important to some, but it does affect how successful a post is. By using digital tools such as Hootsuite, you can monitor the traffic that is on each social media post, enabling you to alter your schedule to post when your audience is most active. What’s more, you can schedule social media posts in advance, so you won’t need to spend your evenings sorting that out!

Internal, Everyday Use Digital Tools

Microsoft Office is the staple in many businesses worldwide and provides many packages to suit a variety of tasks. While some have grown up using Microsoft, others might be at the beginning of their journey of learning about the ins and outs. Companies far and wide provide personal and professional support when setting up Office and Office 365 for home or business. Regardless of whether you have a large or small company, there are packages out there suitable for you and your business’s needs. Whether you are searching for Office 365 Edinburgh support or Office 365 support in Exeter, there is something out there for you! Texaport is an example of a company that provides Office 365 set up and support to businesses big and small, teaching you and your employees all you need to know about using this helpful digital tool. Perfect for the online, working-from-home environment we are once again faced with, this is a cost-efficient digital tool for your business in the long term and one that is an asset to any company.

Communication and Correspondence

While e-mails are useful for transferring documents and information, there are often times when we wish that we could discuss something face-to-face, rather than in writing. With more people than ever working from home than ever before, usage of Skype, Zoom, and other video calling platforms has increased exponentially. Digital tools like this enable you to communicate with the broader workforce at a click of a button and ensure that inter-department communication levels remain high. Allowing the workforce to stay connected, even while apart, is vital to not only the business but to your employees also. Ensuring that they manage their workloads okay and have adequate support during unprecedented times, such as the present, is paramount as a business owner. Not to mention, these digital tools can also be utilised when wanting to have a social function as a team. Zoom quiz, anyone?

While these digital tools are crucial to everyday working life, they will also be necessary when businesses eventually make it back to the offices. Some companies are considering using working from home more in the future, and therefore, these digital tools will be necessary then just as much as they are now. Investing in these digital tools is sure to pay off in the long term and be cost-efficient too. The work completed as a result of the digital tools being in place is sure to pay off the cost in no time!

Want to Keep Your Best Employees? Here’s How

0

In a business world that is becoming increasingly competitive, retaining the best employees is becoming harder. Job hopping is becoming increasingly common, especially as millennials enter the workforce. In understanding that retaining your best employees is key to the long-term success of your business, you need to do everything you can to ensure they do not leave. In this article, we will look at how you can do exactly that.

Hire the Right People

Hiring the right employees for the right position is the first step in ensuring they remain in your business. If people do not feel like they are doing the job they got hired for or signed up for, they may start thinking about leaving.

This is why it is so important to ensure job descriptions are as detailed as possible. Then, businesses should ensure their hiring procedure is thorough enough to ensure the candidates who end up in the advertised positions are perfectly suited for those positions.

Optimise Their Benefits

These days, employee benefits are becoming as important as salary packages when it comes to not only attracting the best employees, but also keeping them. Although some standard benefits apply to all employees, like life and health insurance, a one-size-fits-all approach is likely to backfire on you.

Employees are increasingly looking for benefits that are tailored to them and their needs. A good example is looking at the needs of in-office and remote employees. While remote employees might need support getting the right workstations and equipment, in-office employees might not.

Managing different benefits packages for different employees can be an administrative nightmare, and this is why more businesses are turning to software such as the employee benefits platform from Zest benefits. These platforms are designed to help companies manage employee benefits by not only making it easy to select different benefits for different employees, but also making it easy for employees to see and understand the benefits they get.

Provide a Career Ladder

No one wants to feel stuck and if you do not show employees that there is room for growth and upward mobility, they might start looking for other opportunities. You have to show them that they have a future within the company and how they can make that future a reality.

Offering career development and mentorship opportunities are great ways to keep talented employees. Both of these help them to acquire more skills and show them a path of progress to get from where they are to where they want to go.

Create a Great Work Environment

A poor work environment is one of the top reasons why people move on to other companies. A great work environment makes people feel included as it celebrates diversity. This is perhaps one of the reasons why open and shared workspaces are becoming common in many businesses.

A great work environment also ensures employees enjoy where they work, spending time with fellow employees as well as their work. If you have additional facilities and amenities such as free coffee and snacks, fitness centres for businesses where employees are required to sit for long hours, or a Zen room, going to the office will not feel like a chore for your employees.

Ensure Proper Work-Life Balance

Employees have a life outside work and businesses that understand this have a better chance of retaining their top talent. If your employees need to come to the office early and leave late every day, they will start looking for other opportunities.

With how hard it is becoming to retain good employees due to the popularity of job hopping, businesses have to find ways to ensure it does not happen. Retaining your best employees will take some effort but, if done correctly, the benefits are massive for your business.

Changing careers as a result of COVID-19? 3 jobs you might not have considered

0

The pandemic has completely upended the world of work, with the rate of unemployment shooting up as economies go in and out of lockdowns. Even with measures like furlough schemes in place, swathes of people have been left in an uncertain position when it comes to job security. According to the UN, worldwide working hours fell by 14% in the second quarter of 2020 alone, equivalent to a loss of 400 million full-time jobs.

However, despite all of this, there are actually some career paths that are thriving during these uncertain times. So, if COVID-19 has forced an occupation change due to a lack of opportunities in your current sector, here are three jobs you should be considering.

1.    Developer

One of the safest bets in the current climate is to learn how to code, as the demand for developers remains high, regardless of the pandemic. “Coding skills are still a job market safe haven,” Romain Paillard, cofounder of coding bootcamp organiser Le Wagon, told Sifted. “I think tech companies in the current crisis are going to focus on improving the quality of their product — that’s going to boost the importance of developers even more.” And this bears out in reality, with two times as many developer vacancies as job seekers in the first quarter of 2020. With so many online courses out there, it’s possible to learn coding within just three months, while you may be able to teach yourself in only six. As such, getting on the developer career ladder can be unexpectedly simple to do, and tends to pay well too.

When deciding which sector to work in after you’ve skilled up, a SAP-based business could be a sensible move. The German cloud software is involved in 77% of all worldwide business transactions, and demand for developers with SAP expertise continues to rise. According to tech careers website Dice, the occupation has the highest projected growth of job listings requiring SAP skills. Consequently, you’re more than likely to find a role within the industry, and there are many specialist SAP recruitment agencies to help jobseekers with their search.

2.    Data analyst

Another job seemingly immune to the effects of the coronavirus crisis is data analyst. Research by Burtch Works and International Institute for Analytics has found that 42.1% of data analysts have felt no negative impacts in terms of layoffs or furloughs because of the pandemic. A further 7.6% reported an increase in team hiring during COVID-19, and 67.7% of respondents were positive about their professional situation generally. This boils down to the fact that “45% of organisations are keeping analytics front and centre” of their operations, this being key to navigating the crisis. So, if you’re good with numbers, becoming a data analyst could be a solid career choice.

Although many entry-level vacancies will require a degree in mathematics, statistics, or economics, certain skills will help you land a data analyst role regardless. These include proficiency in popular programming languages like R, Python or C++, the ability to manage and manipulate data, and experience in using software like Excel. There are also many online data analysis courses available that can give you the know-how you need. In terms of the best industry to work in as a data analyst, hackr.io lists market research, financial and sales companies as some where the demand for these skills are highest.

3.    Healthcare worker

With the World Health Organization’s State of the World’s Nursing report revealing that there was a global shortage of just under six million nurses even before the pandemic was declared, there were already plenty of opportunities available in the healthcare industry. This situation has naturally worsened over the last twelve months, as healthcare systems buckled under the strain of increased admissions. For example, there are now around 40,000 nursing vacancies in the UK, while a fifth of US hospitals are short on staff, meaning you’ll find more openings than ever in the sector. Working in the healthcare industry also has many broader benefits, including career progression, the chance to do good and help people every single day, and generous pay and benefits, particularly within the private sector. One option is being a travelling nurse in New York!

Although you would need to undergo extensive education and training to take up certain healthcare roles, like a registered nurse, surgeon or pediatrician, many have very few requirements at all. These include jobs such as healthcare assistants, medical assistants and home health aides. As such, you can start a healthcare career pretty quickly, and work your way up in no time.

When the Debt Collector Comes Knocking: What to do Next

0

If you are expecting a visit from a debt collector, then you’ll no doubt be wondering what your next steps should be. To find out more, read on…

If you are struggling with debt, your creditors will likely use a number of different methods to make sure you pay your bills. One such method could be to send a debt collector to visit you in person.

The prospect of receiving a visit from a debt collector is understandably daunting. After all, it may evoke thoughts of worst-case scenarios, where your possessions are taken away from you without your permission.

A debt collector’s job is to recover debts and assets, but they do not have special legal powers to do so. That being said, if you are in debt, it’s best to make appropriate arrangements with them before further action is taken. To learn more about what will happen when you’re visited by a debt collector and what you should do, keep reading…

Why Might You Receive a Visit from a Debt Collector?

If you are in debt, your creditor will employ a number of different tactics to make sure that you repay what you owe. This will most likely start with formal letters or phone calls but, if these are ignored or there is no sign that the debts are being repaid, they may decide to send a debt collector to your home.

Debt collectors may directly work for your creditor or they may work for a third-party debt collection agency. It’s important to note that debt collectors are separate from bailiffs, who work for the court and have the power to repossess your home or belongings.

What Will a Debt Collector Do?

A debt collector’s job will be to visit you in person so that they can discuss your debt and make payment arrangements to ensure that it’s paid off. They can also arrange for the debt to be paid directly to them.

The majority of debt collectors are members of trade bodies such as the Credit Services Association, which means they are held to certain standards. This means, whether they are working for the creditor or an agency, they do not have any special legal powers to claim the debt.

So, they cannot force their way into your home to claim any of your possessions. They also won’t be able to visit you at work, cause any sort of disturbance, or speak to neighbours about your debt.

While debt collectors cannot pursue your debt beyond verbal and written requests, they will be able to take legal action against you if you aren’t seen to be making an effort to repay it. This could involve applying for a County Court Judgement (CCJ).

Failure to pay a CCJ could then lead to bailiff action – something that you should always look to avoid at every opportunity.

What Should You Do When a Debt Collector Visits Your Home?

If a debt collector visits you at your home, don’t panic! Here’s a quick list of tips to keep in mind.

1.   Check for Identification

Before you speak to someone who claims to be a debt collector, you’re within your rights to ask to see some identification. All debt collectors should carry some form of ID with them and, if they cannot provide any, you would be well advised not to disclose any sort of sensitive information.

Make sure to also make a note of the debt collector’s name so you can refer back to it in the future. What’s more, if you do make payments on the doorstep, request a receipt for proof of payment.

2.   Be as Forthcoming and Cooperative as Possible

If you’re speaking to a debt collector, it’s best to act as cooperatively as possible to ensure that you can come to a positive resolution. Listen to what their suggestions are and see if you can come to a compromise that suits both of you.

Even if you don’t make immediate payments, if you’re seen to be making considered and genuine efforts to repay the debt, it’s much less likely that the debt collector is going to pursue legal action.

3.   Don’t Feel Pressured

That being said, you should never feel as though you’re being pressured into doing anything that you don’t feel comfortable with.

You aren’t obliged to deal with a debt collector in person and, if you feel more comfortable doing so, you can speak to them over the phone or in writing.

What Happens Next?

Once you have been visited by a debt collector, you may be wondering what happens next. Well, as you might expect, this will depend on your individual circumstances, level of debt that is owed and the actions you take during the initial visit.

In some rare cases, you may have the means to pay off your debt in full to the debt collector. Of course, this will mean that you won’t need to have any further correspondence with them.

More realistically, you will be able to work with the debt collector to arrange a future payment schedule. If this payment schedule is honoured, then there will be no need for them to visit you again, or even apply for a CCJ.

Are You Worried About Facing a Visit from a Debt Collector?

Facing a visit from a debt collector might seem like a daunting prospect, but you need to remember that, with some thoughtful cooperation, there’s no need for the situation to escalate. Remember, you are not obliged to take any immediate action if you think you are being forced into making payments against your will.

Have you had any dealings with debt collectors in the past? Or are you facing a visit from one? If you’ve got any further pieces of advice that you think people should be aware of, then feel free to leave a comment below.

7 Tips on How to Protect Your Bitcoins Should You Choose to Invest

0

Investments in the 20th century have seen humanity experiment with things that would even surprise Isaac Newton if he were to wake up today. The emergence of bitcoin on the world scene has taken the global market by storm to unimaginable heights in trade. If you want to invest in cryptocurrency, including bitcoin, learn what might be the best for you at Instant Loan.

However, you will realize that many things can go amiss on the digital market if one does not proceed with caution. Worse of it all, losing the assets you have invested. This article reviews seven tips to help you avoid mishaps with your bitcoins on the crypto trade platform.

  • Keep your bitcoins in more than one wallet.

An easy example to help you understand this idea is the traditional adage of not carrying all your eggs in one basket.

The risk that comes with carrying all your eggs in one place is fundamentally similar to storing bitcoins in one digital wallet.

Cybercrimes are a plague of the entire globe, and they occur daily. Choosing the right cryptocurrency wallet to store your bitcoins should be taken seriously.

The wallets come in different forms, below are just a sample;

  • Ledger
  • Hot wallets, e.g., blockchain.info, electrum, mycelium, et cetera
  • Cold wallets, e.g., paper wallets and hardware wallets
  • Trezor

The Trezor and Ledger wallets are easy to use as beginners since they have clear and straightforward layouts that you can smoothly sail through without much difficulty.

One good thing is that you can opt for the kind of wallets that best suit your situational demands.

Whether you will prefer keeping your bitcoins offline or online, in hardware or paper format, as long as you achieve the assets’ security, it is up to you.

  • Use a strong password for your digital wallet.

Cybercrimes flourish whenever people use weak passwords for their bitcoins wallets. Thieves hack millions of dollars worth of bitcoins almost every year.

If you are working with multiple accounts, you do well not to use the same passwords for your digital treasury chests.

For instance, using one password for your Twitter, Facebook, Whatsapp, bank, etc. -accounts make you the most vulnerable target for hackers.

If your information leaks in the public domain, hackers will access your crypto wallets and sweep out your investments.

How should you deal with such crimes? Use a strong password with unique characters for each of the accounts you hold.

  • Clear all the bitcoins from the exchange platform

Once you are through with the platform’s transactions, it is advisable to move your money to a safer place. When you leave bitcoins on an exchange, they are open for all to see and admire.

If hackers are spying by and realize the coins have stayed for long, they might try to reach them. Moreover, third-party involvement with them on an exchange gives more room for hackers to access your coins.

To increase the coins’ security, you would want to keep them away from online crypto wallets altogether.

 Free bitcoin wallets add to the risk of losing your assets to cybercrime.

  • Use Two Factor Authentication (2FA) to secure your account(s)

When it comes to securing your money and critical assets, there is nothing ever wrong with adding another layer of security to the existing one.

The 2FA is an additional wall that offers security to your crypto wallet. Ensure to activate the authentication factor across all your exchange accounts.

2FA works in two verification steps. First, enter your password and input the OTP (One Time Passcode) as a confirmatory.

Any hacker who beats you on this strategy is a super-criminal. Fortunately, you might never come across one in your bitcoin investment sojourn.

  • Resort to a hardware wallet for savings

Offline hardware, like Ledger Nano, etc., is the best security-tight wallet to hold. You can be sure that the hardware will always be safe and the password unreachable by hackers unless you lose your memory.

Online wallets are full of theft stories. Millions of dollars have gone missing from crypto-accounts. On the contrary, no report has come to the crypto trade’s attention on theft from hardware wallets.

Not unless you are buying a second-hand hardware wallet, you can trust that no outsider can access your bitcoin savings.

  • Enhance your security by use of a Bitcoin Mixer

Since all transactions you make on the crypto trade platform are recorded and available for all to see, hackers might be doing their follow-up on your transactions.

To beat them on their game, you should confuse them regularly to get them lost on the tracking pattern. That is what the bitcoin mixer is here to achieve.

The coin mixer breaks the connection between an address that sends and that which receives the cryptocurrency. As such, even the smartest cyber thief will have it hard trying to trace your transactions based on the transactions you make.

  • Secure your internet sources and computer

It is vital that the source that ferries you to the digital platform be secure.

Your smartphone or computer that access your trading activities should have maximum security to avoid hackers hacking into your system.

How should you proceed in this respect? Ensure the following;

  • Your computer or phone should have an authentic antivirus to protect it from malware and virus attacks. Additionally, ensure that you regularly update your antivirus application.
  • Avoid accessing your wallets from public Wi-Fi networks and computers.
  • Shun the urge of clicking on links you are not sure of their security.
  • Whenever you visit any web from your computer or phone, make sure it is secure by verifying its authenticity address- https://…,-. It is then that you can proceed.
  • Do not download suspicious files and programs, for they might be a product of cybercrime.

Conclusion

Securing your valuable bitcoins from hackers is essential to protect your investment. Cybercriminals have extorted bitcoins from non-cautious account holders before, and they are still working out new tricks. To be at par with security measures currently in an application, you will need to continue updating your security codes and systems. If you are new in the trade, you must be knowledgeable of critical steps in bitcoin trading before you click on any transaction. A single click might mean the loss of your investment or its security.

Buy to Let Mortgages for First Time Buyers

0

Mixed feelings?  The idea of purchasing property for rental raising your dopamine level but the worries of finance weighing you down?  Relax and win the battle with guidance from a professional broker.  Among the best are mortgage brokers in London, who can assist with the most profitable deals suitable to your requirements.  There are many options to choose from, and a bespoke deal can be set up.

Stamp duty tax holiday:   For first time buyers during the “stamp duty holiday”, valid till end of March 2021, tax is payable only on properties valued at over GBP 500,000.   This will be a benefit to such buyers. It may also act as an incentive for you to consider the higher than average “buy to let” properties as they will obviously be in more popular areas and thus will earn more rent, too.   However, if the property cost exceeds GBP 500,000,  the stamp duty tax will jump straight to 5%.   Hence, it is essential to look at the various locations and prices that suit your budget.

Buy to let mortgages:  When a property is bought as an investment, a residential mortgage will not apply.  A specific buy to let mortgage will be required. Some lenders consider first time buyers as a risk and may require additional information. They will need to know that the property will be rented.  A higher deposit may be required or proof that the rental income will exceed the mortgage payment.  A trained broker will do his best to make this process less stressful.  

Deposit:  This amount is usually higher than usual, especially for first time buyers.  However, the bigger the deposit, the less risk to the lender and so a more favourable deal with the best interest rate can be worked out.  Deposits are usually 25% of the property’s value, though they can rise above 50%.

Mortgage rate:  This will have to be carefully considered before a decision is taken.  There are two options – Fixed Rate or Variable (Tracker) Rate.  A fixed rate will be agreed upon for a certain period of years. This allows you to plan your payments, with a fixed rate every month.  However, if the rates fall, then you are liable to lose out.  A tracker rate is also agreed for a set period.  It is usually a small percentage above the standard rate and, if this fluctuates, your mortgage payments will again rise or fall.  So you will not be able to predict your monthly payments but will get the benefit of the rate drops. Generally, the interest rates on fixed-rate mortgages will be higher than the tracker ones because, in the former, you are aware of your monthly repayment. Similarly, a short term fixed rate mortgage will probably cost less than a long-term one.   

Remortgaging:  This allows you to change the mortgage deal and pay the existing mortgage by taking a new one, either with the same lender or a different one.  The benefits of remortgaging are better interest rates, in some cases where the property value rises or there is a change in the LTV (loan-to-value).   Remortgaging can offer flexibility in repayments according to your need.  If your mortgage is to expire and your property has not been fully repaid, it will be less expensive to remortgage rather than have the lender move to their default SVR (Standard Variable Rate).  With the pros come the cons – not getting a better deal, additional costs, fees and proof of creditworthiness. A professional remortgage broker will be able to assess and get you one of the best remortgage deals in 2021.

Interest payment:   Interest rates are calculated as a percentage of the balance of the mortgage. Most Buy to let mortgages are not regulated by the FCA (Financial Conduct Authority). Many are at an interest rate only.  This means that you pay the interest each month but not the capital amount.  This results in lower payments, but the capital amount will still have to be repaid at the end of the mortgage.  If it is a repayment mortgage, then a set amount of the mortgage balance will be paid monthly with interest on that amount.  This will be higher, but the repayment of your capital amount will also decrease.  

Conclusion: For first time buyers, these mortgages are attainable though they may be more challenging to obtain.  The pros and cons will have to be weighed – the security of a long-term investment, rental income and perhaps tax relief.  However, the possibility of having the property sometimes stand empty, not-so-good tenants, repairs, maintenance, and taxes will also need to be considered.  Most importantly, the property can be repossessed for failure to meet the repayments.  Hence, for buy to let mortgages UK, the invaluable advice and guidance from an experienced broker in mortgages is a must.

14 Ibex Companies Still Fail To Comply With Gender Quota

0

Although the covid-19 has made 2020 a fateful year, the year has also left issues to celebrate, such as the presence of women on the boards of directors of the largest companies listed on the Spanish Stock Exchange, which act as a showcase for the rest.

The female weight in the decision-making bodies of the Ibex 35 companies, finally, exceeds the 30% barrier established in the Good Governance Code of the National Securities Market Commission (CNMV).

There are a total of 138 women who occupy 31% of the 445 seats distributed by all the firms of the selective stock market, 12 more than in 2019 after a year-on-year rise of 2.4 points after a last-minute race for getting to the finish line.

After the entry of 25 new female directors in total (the departure of 9 and the loss of two more as a result of the change in the companies that make up the stock market indicator), 21 companies have done their homework and put the gender quota of their boards at that 30% or above.

But still they are below 14, breach the recommendations of the CNMV that precisely have hardened in 2020, imposing a percentage of 40% of face 2022 and pointing more high directives listed.

The calculation includes changes to the composition of the board proposed at shareholders meetings already called, but not yet held. Thus, new directors of Acerinox, Aena, Amadeus, Indra and Merlin are pending to be appointed to the board.

Among those that suspend, a company, Telefónica, touches 30%; another five (Acciona, Colonial, Meliá, Viscofán and Banco Sabadell) are three points away. Enagás, Naturgy, Amadeus and Bankia, between 25% and 23%; while Cie Automotive, ACS, Ferrovial and Solaria appear as the worst in the class, with percentages that vary from 21% to 17%.

On the contrary, Red Eléctrica, after the appointment of Beatriz Corredor as non-executive president of the entity, is positioned as the only completely equal company on the Ibex, with the same number of women and men. Caixabank follows, ahead of Banco Santander.

They are the three companies that would comply with the new recommendations of the stock market supervisor today of the entire selective.

The entity that José Ignacio Goirigolzarri will preside over after the merger with Bankia will go from having six advisers to just five , from 43% female presence to 33%. Indra, Bankinter, Cellnex, Inditex, PharmaMar, Iberdrola and Merlin Properties are among those that are closer to 40% where equity is established.

There are companies that make sufficient efforts to recruit female talent for their advice and others that do not, says Krista Walochik, a partner at the high-ranking recruitment firm Talengo, which has tackled more processes in 2020 “in the race to reach 30% ”.

This expert believes that these two speeds will also be transferred to the renewed recommendations of the CNMV, which has given time for the mandates of the current administrators to expire.

Eugènia Bieto, Endesa director appointed in the year that has just ended, nevertheless thinks that the Ibex photo of 2023 will be totally different because listed companies have made it one of their objectives to achieve equality. Another different thing will be the progress in the direction, which is where the real problem lies, he adds.

Naturgy, the company that in recent years had the worst portrayed in terms of equality, has appointed two women to its governing body in 2020, leaving the climax of the class. Isabel Estapé is one of them .

This notary public, who is also part of the board of Criteria, acknowledges that “I am very sorry to join boards of directors like Naturgy because of the fees, when my whole life has been otherwise”. The Sunday administrator contrary to positive discrimination by law indicates that in a few months a fourth advisor will join the energy company board.

The energy company chaired by Francisco Reynés, Endesa and Almirall are the three organizations that have incorporated two administrators to their decision-making bodies in 2020.

Just the opposite of what happened at Iberdrola, which loses one of its six female directors, being the only one from the Ibex which falls back part of the path walked in parity, although it meets the recommended levels by far, it goes from leading the classification with a percentage close to 43% to standing at 36%.

The weight of women in the large listed companies is increasing, says Tobías Martínez, CEO of Cellnex, because companies have taken their equality policies seriously. Martínez does not hide that the CNMV’s recommendations have been an incentive for this.

In fact, 14 of the 35 Ibex companies have increased the seats occupied by administrators during the year that has just ended. “We have been very slow due to the internal resistance of the councils, which are looking for candidates among their close people, and until the regulation has pressed no more women have been incorporated,” supports a counselor who requests anonymity.

Banco Sabadell is one of the entities that has recruited female talent and Mireia Giné , independent director of the entity, has been launched in 2020 as administrator.

Aware that the priorities in the governing bodies of listed companies have changed due to the emergence of covid-19 to focus more on systematizing risk analysis, the sustainability of the business model and new opportunities, Giné believes that they are also focusing in avoiding the loss of human capital.

Analyzing the effectiveness of teleworking and paying special attention to ensuring that women remain in the front line, since they are the ones who have suffered the most from the pandemic by having to take care of their children.

“Many of the strategic plans have been ruined by the pandemic. For all large companies it is being a challenge and, as their results are worse, the boards have to dedicate more time to the new priorities, which go through redoing the strategy ”, explains Estapé.

An Introduction to The Different Types of Teas in The World by Ido Fishman

0

Who doesn’t enjoy winding down after a long day with a nice warm cup of tea? The aromatic and soothing beverage is the top pick for many who want to end their day feeling warm and fuzzy. Many varieties of tea are available in the world today. Unlike coffee, which can be extracted from various seeds and plants, tea is made directly from crushed tea leaves. Of course, not all tea is authentic tea. This means that as many manufacturers of tea are present worldwide, the extracted tea undergoes many processes to add unique flavors.

The first traces of tea are found to be in China where several varieties of it were used for different purposes. From medicinal uses to caffeine boost, tea served all. Perhaps it is due to its roots that tea is a staple food for every household in all of Asia.

Since then, many different kinds of tea can be found in the market. Let’s explore the different types of tea with Ido Fishman, an expert in all fields of culinary.

Basic Varieties of Tea

Black tea

Extracted from the Camellia Sinensis plant, also called the tree plant, the black tree is one of the most popular tea types. It has the highest caffeine ratio amongst all tea types, however, it is not as high as in coffee. Black tea is known for providing many health benefits such as reducing inflammation from the body. This is because this tea type is highly oxidized and contains plenty of antioxidants.

In addition to the health benefits of this tea, it also has a pleasant flavor. Ido Fishman explains that the extract collected from the Camellia Sinensis plant is mixed with other herbs and plants to create a variety of flavors.

Green tea

This is yet another kind of tea that is extracted from the tree plant, Camellia Sinensis. While the plant source for black and green teas are the same, they do not have any other similarities. One of the main differences lies in the fact that green tea is a non-oxidized tea. It has a milder flavor and a lower caffeine ratio than black tea.

The leaves for green tea are heated soon after the harvest which majorly reduces the level of antioxidants present in the leaves. Due to its almost-zero calorie count, it is a popular beverage for weight-reducing diets. Green tea is also very popular among tea sommeliers. Many tea manufacturers produce different kinds of green tea. The trademark of green tea is its pale yellowish-green shade and light and grassy taste.  

White tea

While tea originated from China, tea plantations have spread to many other parts of the world. The authentic taste of white tea, however, can only be experienced from the tea plantations in China. The tea leaves are treated with extreme care because they have to be harvested at a specific time. Instead of crushed leaves, white tea is made from baby leaves and immature buds of the plant. This tea undergoes the least number of processes to reach its final form.

White tea is regarded as a delicate tea because of its light taste, texture, and oxidizing properties. Contrary to what the name suggests, this tea has a light yellow color when brewed. It is a naturally aromatic and flavored tea that holds a mixed tang of flowers, honey, vanilla, citrus fruits, and some herbs. Taking into account all the properties of this tea, it is one of the most expensive teas in the world.

Oolong tea

Oolong tea, also sometimes spelled as Wulong, is a semi-oxidized tea. So, the tea leaves are left to settle for a few hours before being heated for treatment. Oolong tea has the most varieties available in the market. You can find many different flavors at relatively cheaper prices. However, the authentic Oolong tea may leave a small dent in your wallet.

This tea is also called the black dragon tea which can be attributed to the appearance of the tea leaves after they have been processed. From the rigorous process, the final appearance of the tea leaves is of rolled up darkened leaves from the center. This tea lies between the states of being fermented and unfermented because it is neither of those.   

Pu’erh tea

Now, unlike other teas, Pu’erh tea can only be obtained from Yunnan in China. No other tea plantations of the world have been able to replicate the unique earthy flavor of this tea. This tea is one of the purest of trees and is often considered a tea of luxury. The tea leaves for Pu’erh are collected from wild bushes as opposed to the carefully planted bushes of other teas. It is usually available in the form of bricks or dried leaves.

Pu’erh tea is a highly fermented tea, so you can age this tea similar to wine. The fermentation of this tea takes place after it has been treated for oxidization. So, the more you allow the tea leaves to age, the more of its distinct flavor you will be able to brew. The quality of this tea depends on its aging and the different stages can be referred to as young raw Pu’erh, aged raw Pu’erh, and ripe Pu’erh. Furthermore, the tea has a relatively high caffeine ratio, so it works as a great replacement for coffee. The antioxidant properties of this tea are also beneficial for skin health.

The Bottom Line

And there you have it, your introduction to the wonderful and calming world of teas. If you enjoy exploring different kinds of tea, then try out these top five picks by Ido Fishman and see which one you enjoy the most. You may have noticed that the main factors that differentiate these tea varieties from each other are their oxidization levels and harvesting processes.

Tea manufacturing companies provide many different varieties and flavors of tea which you can find at any local supermarket. You can also add your personal touches to the teas to suit your tastes better. For instance, many people take their black tea with tea whiteners and sugar while others enjoy adding some lemon drops to their green tea. There are endless possibilities of adjusting these tease to your preferences.  

  • bitcoinBitcoin (BTC) $ 85,237.00 3.51%
  • ethereumEthereum (ETH) $ 1,914.23 5.18%
  • tetherTether (USDT) $ 0.999912 0.02%
  • xrpXRP (XRP) $ 2.15 3.44%
  • bnbBNB (BNB) $ 610.03 1.04%
  • solanaSolana (SOL) $ 126.54 1.13%
  • usd-coinUSDC (USDC) $ 0.999934 0.01%
  • cardanoCardano (ADA) $ 0.680393 3.67%
  • tronTRON (TRX) $ 0.236478 1.19%
  • staked-etherLido Staked Ether (STETH) $ 1,913.72 5.15%
  • the-open-networkToncoin (TON) $ 4.05 0.96%
  • avalanche-2Avalanche (AVAX) $ 19.67 5.53%