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Top Benefits of Using Coupons

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A lot of you might already know about coupons, discount codes, and freebies. Well, in all honesty, the coupons are an excellent way of helping you save some money. Let us state the obvious – Millenials use coupons all the time.

So, why do you think millennials use coupons? One apparent reason is they want to save some money. But, is it only the millennials who aspire to save money?

Well, not. Saving money is not just about setting aside a considerable chunk of money when you have it in excess; rather, it is about the money you accumulate over time. Thus, coupons are one of the best ways to save some cash. So, why should you use coupons?

Here, we have worked out a few reasons why millennials and all of us should use coupons, not once in a while, but whenever possible. 

Benefits of using coupons

Benefit 1 – The Coupons Helps Us Save Money

When someone thinks of coupons, the first thing that comes to their mind is, it will help them save money. It is a correct assumption. So, using coupons when shopping can undoubtedly help you save some cash. It is a primary requirement for a frugal shopper to know the ways and means to get coupons. It can help you enjoy considerable savings.

Sometimes, the coupons can even help you save over 50 percent on your shopping budget. Imagine what would happen if you pair a coupon with any ongoing in-store sales? Well, that could indeed account for bigger and more significant savings.

Once you begin couponing, you will realize it is not difficult to save yourself a lot of money, but it is the finding coupons that may take some time, says Franchesca, who works with TFTH as an assignment help provider.

However, given the kind of savings it brings, it is truly worth it, 

Benefit 2 – The Coupons Help Us Stockpile Things

Suppose a product at a store currently has an ongoing discount sale, and you find a coupon for it somewhere. If you do the math, you will see that these accumulated savings ensure that you pay out only a quarter of the product’s price. So, what is your first realization? You can shop for four times the same product at a price for one.

Thus, the natural human instinct is to increase the stockpile to ensure that you have to shop for less in the future. It can bring in mega savings.   

Benefit 3 – There are Several Billions of Options in Coupons That You Can Claim

Following a study by the Consumer Packaged Goods of the US, it was found that annually marketers distribute coupons worth more than $400 billion. Do you know what the sad part of this is? Of this high number, only $4 billion vouchers are redeemed.

So, that implies that the remainder $396 billion coupons go waste. Coupons are available in large numbers, and it is easy to find a coupon for everything, says Mia, who offers online java homework help service for the students. Well, it is 100 percent true. On online platforms, you can find coupons for everything, but sadly, many go unexploited because people do not take adequate effort. Our recommendations? Just find them, and start using them to bag good savings. 

Benefit 4 – Coupons Make Us Flexible to Try Out New Products

When you get something for a cheap rate, it is easier to convince yourself to try it, which you may otherwise ignore. A myriad of high-value coupons come with a BOGO offer – Buy One Get One Free.

So, that would mean that you can now try many new products at half the price or for free. With these coupons, customers have started trying out new things, which they otherwise would not have invested in. In a lot of cases, this makes them like newer brands and several new ranges of products. 

Benefit 5 – Coupons Means a Lot of Freebies

We all love free items, don’t we? Though not a gift, a free thing always gives a feeling of a gift, says Anushka, an online economics tutors with TopAssignmentExperts. With coupons, it is now possible to enjoy a lot of free services and items. 

Benefit 6 – Coupons Make You Smart Shoppers

If you do not look at the coupon, you probably tend to buy the first time you may find in the shopping store. If not, you might buy the product that you have always been accustomed to using.

On the other hand, when you search for coupons, you will realize that you end up using more offerings and products that you may have never used or thought of using before. It gives you more choices in hand and helps you make better purchase decisions. 

Benefit 7 – Coupons Helps Us Give Back to The Community

We use discount codes and coupons because it helps us give back to society, says Chloe, who offers the best online photoshop course. Well, a lot of people do that. When they buy several items at a discounted price, they tend to get many of them for free. Having more gives them the privilege to share some with the underprivileged. 

People use coupons because they bring in these benefits and more. Do not believe us? Try using them for a while, and see for yourself how much you end up saving.

Movement Of Investment Portfolios Towards Cyclical Sectors

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Union Bancaire Privée (UBP) is one of the leading private banks in Switzerland. Specialized in asset management for institutional and individual investors, as of June 30, it managed assets worth 134.4 billion Swiss francs (about 123.6 billion euros). Patrice Gautry has worked at this Geneva-based entity since 2000 and is currently its chief economist.

Will the long-awaited recovery come in 2021? We are optimistic because there will be different levels of support for that recovery to take place.. Our forecast is for the world economy to grow 5% this year and with the vaccination process underway it is likely that we will approach 6%.

Europe must be one of the most favored regions, especially peripheral countries such as Spain and Italy, since in 2020 it was one of the hardest hit by the pandemic. In addition, Europe will have the community fund for recovery and, in parallel, fiscal and monetary support will be maintained.

I believe that Western countries will lead the recovery process, although China can grow up to 9%. Some Asian manufacturing countries such as India, Indonesia, the Philippines or Ceylon should also benefit from the return to normalcy.

Do you think activity levels prior to the coronavirus crisis will recover soon? With the help of the vaccine, the answer is yes. In China we are already in that situation , in the United States I believe that in the fourth quarter of this year the level of activity that was at the end of 2019 will recover and, in the case of Europe, our forecast is that this will happen in the middle of 2022.

Without the help of the vaccine, returning to the pre-covid-19 situation would have taken between a year and two more years.

This recovery scenario that you draw, I imagine that it will be threatened by different risks. What factors could derail the improvement?

The first risk is the health one. After the big rebound in the third quarter of 2020, the second wave of the pandemic has taken its toll. Most economies, perhaps with the exception of the United States, will see their GDP fall in the last quarter of the year. In addition, we are entering what could be a third wave.

Therefore, the growth scenario will depend on the ability of the rulers to control the pandemic.and manage the vaccination process successfully. In addition, it must be verified that the treatment is indeed successful, the duration of the immunity and its effectiveness against new mutations of the virus. In the most optimistic scenario, we would have herd compensation by the end of 2021.

The other risk is linked to economic policies, especially if budget stimuli are withdrawn too soon. Any debate about a return to fiscal austerity should be postponed to 2023 or 2024, not before.

Along with fiscal measures, the other dam that has contributed to the recession not being even more serious is the response of the central banks. Some think that monetary stimuli have already reached their limit. Do you share it?

It is likely. If the recovery scenario is fulfilled, the central banks will not have to go further in the stimuli and it will be enough for them to maintain those already announced. However, if the situation becomes complicated, they will be forced to lower negative rates even further.

In the case of the ECB, in an environment of weakness, it would have to consider whether to include in the list of assets susceptible to purchase high yield debt and bank bonds, something to which it has so far refused.

On the other hand, if the vaccination is a success, we will see how in the United States the forecast begins to grow for the Federal Reserve to design an exit plan from the stimuli with a view to putting it in place by the end of 2022.

Worst Predictions For The Bitcoin Price In 2020

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Cryptocurrency experts and analysts love to issue Bitcoin ( BTC ) price predictions regardless of how volatile the asset class is.

In 2017, there were predictions that the price of BTC would reach $ 35,000 – $ 50,000, and of course some brave souls predicted that the price would exceed $ 1 million before correcting itself.

An impending $ 30,000 price for BTC? This Bitcoin hodler metric suggests the next rally
No one will forget how John McAfee infamously promised to bite his genitals if the price of BTC didn’t hit $ 1 million by 2020.

While some of these high estimates are based on fundamentals, others are completely unfounded. Regardless of the analyst’s reasoning, some of them are so far removed from reality that they have become memes.

Let’s review the most scandalous Bitcoin price predictions of 2020.

“Guess” attracts attention because no one follows them.Guessing the future price of cryptocurrencies is so embedded in the community that many analysts don’t even consider evaluating its effectiveness.
Keeping up with the endless stream of predictions posted on blogs, podcasts, Twitter, and YouTube is nearly impossible. Imagine the difficulty and energy it would take for a person to keep track of all these random assumptions.

To further complicate matters, some of these predictions came from known Bitcoin attackers, such as famous gold fanatic Peter Schiff and New York University Stern School of Business professor Nouriel Roubini. Therefore, in some cases, personal credentials sometimes matter less than analytical work models.

Bitcoin Beats Warren Buffett’s Berkshire Hathaway For Market Cap. A month before the collapse on March 12, in which the price of Bitcoin plunged 50% to $ 3,750, PlanB, the creator of the stock-to-flow model, declared that Bitcoin would not go below $ 8,200 again . At the time, no one expected the Dow Jones equity index to face its most significant drop since 1987, or the WTI oil futures contract to drop to negative $ 40.

Despite the outlandish claim, PlanB will not be nominated for the worst predictions of 2020 because hardly anyone expected the coronavirus pandemic to affect markets in a way that would cause utter chaos. Furthermore, the famous chartist Peter Brandt also made the same mistake when he said that BTC would never visit the below $ 6,000 level in January again.

CryptoWhale’s quantum model predicts $ 24,000 BTC by mid-2022. On June 2, 2020, Twitter analyst CryptoWhale revealed a new “quantum” model that would predict the price of Bitcoin. According to CryptoWhale, the model had “effectively predicted all major moves since 2018.”

Things couldn’t have gotten worse as the model predicted both a bottom of $ 2,000 in 2020 and a “proper bull run to $ 24,000” in mid-2022 alone . Somehow, quantum particles, molecules, and atoms that are he supposed they would make it more precise were, in fact, pure blasphemy.

Two lessons to be learned from the “quantum model” are: ( 1) Having a ton of followers on social media doesn’t necessarily translate into better price estimates, and (2) complex models are prone to the same errors as humans . Assessing a new asset class during a period of desperate central bank monetary easing is no easy task.

In April, Ross Ulbricht, founder of the now-defunct darknet market Silk Road, wrote that Bitcoin’s volatility, particularly the March 12 bloodbath, would likely lead to a bear market , which could last three to nine. months . At the time, Bitcoin had been hovering around $ 7,000 and was clearly still affected by the recent 50% intraday correction.

Precisely 17 days after that post , BTC soared more than 30% to $ 9,000, thus completely invalidating Ulbricht’s analysis. To further show just how far that analysis was, Ulbricht added that a bull run to $ 14,000 was “very unlikely.”

During the so-called Ulbricht bear market period, the price of Bitcoin rallied more than 300% from December 2018 to June 2019. Also, asking for such a long correction does not align with the historical Bitcoin data because even during the period Darkest December 2019, Bitcoin price remained more than 100% above the lows of the previous year.

During a July 27 interview with Forbes, Panxora CEO Gavin Smith said that he expected a Bitcoin price of $ 7,000 by the end of the year. Gavin further added that “there will be a short-term washout this year before the real rally takes place.”

The Panxora CEO explained that despite the upward trend caused by hedging against inflation, the broader impact of the demand hit on the economy could cause BTC to go down.

This estimate came after 80 days of the Bitcoin price consolidating around $ 9,500. At the time, despite having risen 100% from the mid-March lows, there were still some doubts about BTC’s ability to break through the $ 10,000 resistance.

Antoni Trenchev Predicts a Bitcoin Price of $ 50,000 in 2020.On January 3, 2020, Nexo co-founder Antoni Trenchev stated that BTC could easily reach $ 50,000 in 2020 .

Other than an overly optimistic estimate, the logic behind this doesn’t seem to fit. According to Trenchev, Bitcoin had become “the new gold”, pointing to the lack of correlation with traditional markets as a potential catalyst.

As shown above, gold traded in tandem with traditional markets for most of 2020, but it should be noted that these asset classes have different volatility. Therefore, swings in equities tend to be much stronger. However, the general direction of both markets until November has been very similar.

This price movement creates the impossible task in which BTC is expected to act as “the new gold” while exhibiting a lack of correlation. This estimate was doubly incorrect because it did not meet its year-end target by a wide margin and it did not correctly estimate gold’s correlation with traditional markets either.

Now that the price of Bitcoin is just 7.4% off $ 30,000, it will be even more interesting to see what kind of outlandish bullish and bearish price estimates are issued for 2021.

2021’s Top Software Picks for Field Service Managers

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Field Service Management:

Field service management is one of the most demanding and taxing jobs in the entrepreneurial realm. Not only is it concerned with keeping track of and managing assets, inventories and work orders but also complete it all in a very restricting and compressed schedule.

However this job becomes considerably easier if you invest in good quality digital software that not only cost-effective and maximise productivity but also boost business using calculated data and statistics.

To aid you in choosing the premium software, we have compiled an informative list, take a look!

1) Workever:

This software is one of the top in the game with premium, accessibly features built to increase productivity and business using clever, methodically collected data reports. Using Workever not only can you integrate tools such as SMS texting but also easily sync your contacts, suppliers and contractors.

You can not only send and receive work orders directly to your smart device but also update work progress which is then automatically synced back to alert the office. It supports multiple IOS and Android devices which makes it optimal to be used on tablets as well!

Workever also allows you to save documents such as notes, images, PDFs all in one place and you can reduce and eliminate all paperwork with its field app which allows you to fill in all types of forms in one sitting! Other notable features include:

  • Tracking of workers on the field map
  • Schedule texts regarding updates to increase customer satisfaction
  • Create reminders easily

2) Housecall Pro:

This handy app is designed to specifically cater to the needs of field service managers and strives to fulfil them as well! It offers functions to boost revenue and workflow while being cost effective and extremely easy to use.

Housecall Pro has an integrated system that allows customers to review and leave feedback as well as the choice to book online, request what they desire and even choose the payment method suitable for them! Other premium features include:

  • Automatic scheduling and creating invoices.
  • Maximise revenue with Sales proposal tools
  • Consumer finance tool

3) ServiceFusion:

This is one of the most pocket-friendly yet useful software in the market owing to its top-of-the-game tools and unique features. It helps you balance your work life swiftly without any hiccups!

Using ServiceFusion you can easily convert and digitalize all the records of your customers and save it in one organized system for quick and easy management. You can also reduce wasted time by scheduling, creating invoices and dispatching in no time! You will also have complete access to your dashboard where you can create payments, set reminders and check your records.

Integrated with AI technology, this app also allows you to make quick calls without running bankrupt and also provides accurate statistics to improve business productivity. Notable Features include:

  • GPS Team tracking
  • Transparent prices and easy payment methods
  • Paperwork elimination

4) Jobber:

This award-winning software is the best when it comes to organizing your fleets, assets and manages your records and orders all in one neatly designed software. Not only does it have a client manager to ease your task but also boasts an impressive function of easy online booking.

Jobber prioritizes customer satisfaction which is why they have professional client texting services along with a self-help online system. It also has faster and easier payment processing methods that create ease for customers.

Jobber also provides detailed reports to check your progress and any areas that might need improvement. Some top featured include:

  • Postcard Marketing
  • Easy quoting
  • Client Hub

5) VerizonConnect:

This software is a one-stop solution to all your management problems, it acts like a professional, virtual assistant that eases the load off of your shoulders and keeps business running smoothly!

VerizonConnect offers GPS tracking of your driver along with observing idling and speeding. It has easy dispatching methods and even monitors all your assets. This software also offers excellent communication between office and field staff!

Other notable features include:

  • Easy work scheduling
  • Drag & drop jobs
  • Smart calendar

Conclusion:

Entrepreneurship is one of the most tactical tasks and yet these digital apps have reduced the workload considerably! The innovative tools integrated within these software provide you with new options and features to boost up your performance and increase workflow.

Choose one of these and live the sweet, business life without the chaos and problems it brings! Be smart, choose wisely.

Top Tips to Ensure that Online Auctions Always Works for your Advantage

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Life is an ongoing series of changes and challenges, and as they rightly say- ‘change is inevitable.’ The changes can be in the form of designations, moving from your land, or at times when your loved ones make a place in the heavens. One thing is for sure; the memories etched at these junctures cannot be altered. And at times, people attempt to part away with the articles through estate sales or auctions. Perhaps, this is the best way to pass on your treasures without making them a scrap. Nowadays, people can see a lot of growing trends in this regard. And like every other field, this has also included technology as its means. People now conduct estate auctions online ma to quickly sell their products and get fair pricing.

Online auctions provide a large trading forum for both the buyers and sellers of a wide range of products. They provide a virtual market for shoppers, with an endless selection of merchandise from around the world. They also offer a storefront for vendors to buy anything from sports to computer systems with millions of global buyers. And now, the houses are also being bought and sold at estate auctions. It saves a lot of time for both parties. The sellers don’t have to make a setup and make the other necessary arrangements. Also, they do not need to spend days on their foot looking after the articles and managing things.

While the buyers during an estate auction online ma do not require to get ready, drive the car, and reach the destinations. Also, there comes a lot of ease and comfort while buying from the comfort of home. It goes similar to online shopping, with just a few clicks but a lot of concentration to bid. Internet auctions are like markets for online shoppers. The Sellers offer one item or multiple lots of the same product at a time. In principle, online auctions run much like general and local auctions, but there is ongoing data collection behind the scenes. There are sellers and bidders — and winners and losers, much like local auctions. Winners are supposed to pay at the end of the auction for what they bid on.

Here are some other benefits when you go for estate auctions online ma:

  • The convenience of buying from home:

The most significant advantage of using an online auction is the comfort to bid from your own space. As a bidder, no matter your venue, you can make the best offers. It is also the best advantage in the present times when we can save lives by sitting at home. Since it is not a physical place, you can make deals from your couch when relaxing at home or on your lunch break. Just make sure to do your sufficient research and learn what must be understood for a good deal.

  • Ample choices:

An advantage of searching online for the required products is the number of choices you can have. Since online searches are more comfortable and need fewer resources, you can easily find things. If you refer to any Website, these websites will allow you to choose precisely what you are looking for and filter the rest of it out. And in case you are already aware of any estate auctions online ma then you can check about the details to make the optimum deals.

  • Save money and your precious time:

Time is money, as they say. If you are among those folks who are always on a hunt to save time, then the digital world is for you, and the auctions are no exception. It will save you both time and money by using an auction online. You won’t waste time driving to a bunch of properties or explore new avenues. It is instrumental if you relocate to an area far from your current home. You will also save money by cutting back on the traveling you will do.

Besides this, you will save on the articles you get from auction sales because everything is priced already at low prices. Another significant savings is due to- No more wasting cash on gas and dubious diners on the road!

  • The option of 24/7 access:

The second enormous advantage of purchasing from estate auctions online ma is that you can position deals at all hours of the day. And if you are located in some other corner of the world, then you may have the suitability to shop from your time zone as well. It may sound like a minor doing, but what it means is that without fear you may miss out, you can shop from any time zone. No matter where you are on the other half of the earth, you still have access to all the parts of the planet. Even the people on the same part of the planet can access auctions during any part of the day.

How to get into the game of online auctions?

Well, this may vary with each organizer. Every organizer might want to establish the auction on his terms. But there are specific general procedures that are followed by every estate auctions online ma. Before you can buy or sell products at online auctions, you will be required to register. To keep track of the things you bid on or sell, keep up with the bids, decide the winning bids, and create a seller and bidder feedback database, registration is required. Also, you might need to create a separate email or supply it with the existing one. It will help you to keep updated with the details of the happenings at every minute.

5 Rules for Generating a Strong Employee Value Proposition

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Employee Value Proposition – sometimes shorted to EVP – is basically the value that an employee feels they get from working for a particular company. We’re not talking salary here. Instead, we’re talking job satisfaction.

How an employee feels about the company they work for is important because an unhappy worker is unlikely to hang around for long. If this becomes more than a one-off occurrence, you’ll end up with something of a brain drain, as well as a reputation that will make it hard to recruit those skilled employees you need to see your company grow.

So how do you go about generating a strong employee value proposition? Check out these five key areas:

1. Rewarding employees

Again, we’re not just talking about take home pay here. While a good salary is sure to attract the right sort of people, study after study has shown that employees are willing to consider new jobs with lower salaries, but better rewards. Job seekers are increasing searching out employment that makes them feel like they’ve achieved something beneficial at the end of a working week.

Rewards can be big, and include an extra day’s paid vacation time, but they don’t have to be. In fact, to feel appreciated – a key motivation – smaller but more regular rewards are generally better. This can start by simply saying ‘thank you’ or ‘good job’, before going on to perhaps supplying cakes or other goodies when a team achieves a goal. As well as fostering a sense of belonging within a company, such rewards are also shown to rub off on the front end of your business – clients that are more likely to stick with a company with high EVPs.

2. Engage with your employees

Top-down management is thankfully largely a business model confined to the past. Today, the manager should be part of the team, and is as much a friend as a colleague. This model generates trust within a team, but it also creates an atmosphere of openness, where employees feel that their worries and suggestions will be taken seriously. As it’s your employees who are the ones doing much of the ‘hard labor’, it’s them who are going to spot potential pitfalls first. Never forget that engaged employees are going to be happy employees, and it’s happy employees that drive companies forward.

3. Finding employees the right work

Someone feeling undervalued is sure to result in them having a low employee value proposition. It’s therefore important to ensure that your employees are well-suited to the everyday jobs that are being assigned to them. While everyone has certain aspects of a job they don’t enjoy as much as others, this is different to an employee being badly aligned with work. From a business perspective, it means you’re not going to get the most out of that employee. At the same time, the task in hand isn’t going to be completed as well as it could be.

4. Opportunities for growth

At Jack and Ferdi we think the best way to counter an employee feeling undervalued is through regular career development meetings with managers. If an employee doesn’t believe they have the skills to succeed, why not provide them the means to develop these skills through training courses or other relevant opportunities.

Reversing the negative opinions of an employee could be as easy as suggesting alternative roles within your organization, alternative locations (including home working) or different hours. Perhaps what the employee is really looking for is to reduce their working week to four days so they can pursue other projects one day a week. Giving your employees the opportunities to grow will make them happier, and better motivated, which can only help your bottom line.

5. Organizational Culture

To a large degree an individual’s employee value proposition will be tied with a company’s culture, and therefore it’s external brand. When a company’s culture aligns well with an individual’s personal beliefs, there’s going to be low turnover and high employee value proposition, making it a win-win situation. To achieve this is no easy task, and requires companies to development the right balance between employee independence (and therefore how much you trust them to get on with the job), interdependence with other employees, stability in their role within the company, and flexibility within their role.

As employees become more and more willing to shift between companies, a strong employee value proposition becomes all the more important. Our five rules will help improve your company’s proposition, and therefore retain the right employees.

Property Rebound Prediction – extra home sales in early 2021?

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

Some of the reasons for this prediction are:

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

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

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

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

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

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

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

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

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

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

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

Calculating the Costs of a Secured Loan: What to Expect

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

What is a Secured Loan?

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

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

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

Secured Loan Fees and Costs

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

  1. Administration Fee

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

  • Lender Product Fee

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

  • Valuation Fee

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

  • Broker Fees

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

  • Legal Fees

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

  • Completion Fees

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

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Instagram is basically a photo sharing platform but now people are using their instagram account for many purposes that is why it is very important to increase followers and likes on your Instagram account.You can reach your sales goal by using your account and advertising your products on Instagram. Currently large number of people are using Instagram and their number are increasing day by day. With this large number you need to grow your account by increasing followers on your account and likes on your posts. Now people are that much well aware they only focus the account with large number of followers and start following those account. It connect your followers and keep on attracting towards your account. You can highlight your profile and products and reach the sales goal. Instagram Followers Mod APK is an app which bring followers to your account permanently free. You can get followers on your account with two ways one is to share your eye catching posts, pictures and videos and other is This Instagram followers mod apk. The name of this Mod on this page is Followers Gallery. It is designed to gain all the solutions of your Instagram account growth.

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ALL YOU NEED TO KNOW ABOUT FURLOUGH FRAUD and INVESTIGATION

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

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

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

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

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

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

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

WHAT ARE THE PENALTIES FOR FURLOUGH FRAUD?

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

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

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

WHO CAN BE ASKED TO GO THOROUGH A FURLOUGH INVESTIGATION?

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

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

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

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

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

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

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

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

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

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

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