Home Blog Page 690

5 Recommended Tools to Build Instagram

0

As one of the most prominent social networks, Instagram is at the top of every digital marketer’s mind. If this rings true for you, we’ve listed a few of the top tools and hacks to start using. Check them out below:

Host An Event

If you’re going to gain prominence on Instagram, sometimes you have to step outside what you can do on the platform. A solid first step is hosting a public event. This doesn’t mean throwing a large-scale concert or parade; just using your office as a community space can go a long way on Instagram. As noted by SplashThat, 69 percent of b2b marketers consider in-person events an effective means of marketing, which makes sense. People not only feel included but can also put a face to a name. If you’ve been looking at what you can do outside Instagram, this is the perfect solution.

Come up with a few events you can do solo or partner with someone to get the ball rolling on community engagement. This could include a speaker series, happy hour, networking event, or a product showcase. When you do get the ball rolling, make sure to market this on Instagram by including tagging, creating pre-event materials, doing live event coverage, and recapping after the event.

Hashtags For Likes

A more predictable tool than an event, Hashtags for Likes is one of the most prominent Instagram tools for gaining engagement. According to Brand24, posts with hashtags receive 12.6 percent more engagement, so it’s easy to see why utilising the right strategy can pay off. However, a big part of this is utilising hashtags that are going to give you ROI–which is exactly what Hashtags for Likes can do.

With an intuitive and easy-to-use platform, Hashtags for Likes is one of the best aggregators of hashtag information. A platform used by brands big and small, this is definitely one to throw in the mix to give yourself the best chance of increasing visibility in the right market. No matter how long you’ve been managing your brand’s Instagram account, we can’t recommend Hashtags for Likes enough for that extra boost.

Bringing On An Influencer Campaign

We’ve all heard about the success of influencer campaigns on Instagram, but actually going through and running the numbers is an entirely different beast. On average, an influencer campaign brings $6.50 for every dollar spent; however, there are several factors involved. For example, some influencers charge solely based on their follower count (for example, every 10,000 followers is $100), while some are able to charge more because of their local influence. Looking into how you can strategise an influencer campaign can be quite advantageous.

In looking for an influencer, decide what type of market you’d like to tap. Some niche businesses have a limited scope with the type of influencer they can pursue (for example, there’s a limited number of fishing influencers versus contemporary fashion ones). Determine the quality of their followers and the average ROI. It’s also not a bad idea to ask the influencer what results they’ve seen in terms of response and average revenues from campaigns. Even if they don’t have this information off the top, the ultimate goal for any influencer campaign is finding someone you think represents your brand well and gives what you consider a satisfying return.

VSCO

A core component of Instagram is visual consistency. Not only will this help with keeping the identity of your brand, but it will also signal people to associate different colours with your aesthetic. As noted by Zimmer Communications, colour increases brand recognition by up to 80 percent, which means that if your brand maintains a colour scheme, it could help you to grow on Instagram. The best Instagram tools teach you visual tricks and cues to help you keep it consistent.

VSCO is a filter and photo editing app. Lauded for its simplicity and functionality, VSCO makes it easy to save preset filters as well as create and save your own adjustments. Considered one of the best photo editing apps, check out VSCO if you’re looking for a solution to keeping your visuals consistent.

Linkin.bio

Linkin.bio might be the most common call-to-action on Instagram, which is why the team over at Later created Linkin.bio–a solution that does exactly what it says. By utilising a tile format that mirrors an Instagram page, users have found it useful to link to outside content–a key part of any social media plan. The other half of the equation is knowing the best time to reach your base. SproutSocial recommends Tuesday between 9 am and 6 pm. Whatever you end up choosing, Linkin.bio is an excellent tool to gain more traction with your posts.

What are some tools and tricks you use to boost your Instagram presence? Comment with your insights below!

Operating Medical Equipment with the Right Power Solutions

0

Medical equipment is used in a number of different environments, including hospitals, hospices, ambulances and even in home care settings. Used by professionals and those who have been trained, the right medical equipment can quite literally be lifesaving. 

Whether it’s an emergency or a long-term illness, the use of medical equipment happens every day across the world.

One particularly important piece of medical equipment is a syringe driver, or syringe pump. They are used to gradually administer the right amount of fluids or medicine to a patient. Often used in the environments mentioned previously, they are designed to help safe and simple administration of medication, often amongst cancer patients. 

Important features of syringe drivers

Syringe drivers are used by the NHS and hospices around the UK. They are created with some highly beneficial features that make administrating medicine as straightforward as possible. They are often used to help manage pain, sickness or agitation.

Syringe drivers work by delivering the medicine at a constant rate. They can be used if patients find it difficult to take medicine orally, or if your symptoms simply can’t be managed with tablets or injections. Syringe drivers are also often used in the last weeks of life.

With that in mind, they are incredibly important in medicating patients and managing symptoms. Many syringe drivers are equipped with automatic calculation and volume detection features to make sure the medicine is administered correctly. A lot of them will also have an in-built computer and a display screen so you can see exactly what is being prescribed and if there are any problems with the driver itself.

The computer and screen may also allow you to view the infusion history and pump event log, which can be very helpful. Without the screen, which is powered by the battery, administrators could miss crucial data about the infusion and other related information.

Using the right battery

A syringe driver is powered by a battery, which allows the pump to work correctly and also mean that the driver is a portable device. The right battery for most syringe drivers is known as a 6LR61; a version of the 9V battery. It’s crucial to remember this when replacing the battery, as there is also a 9V 6LP3146 battery which is bigger and won’t fit in the device.

6LR61 batteries are made of 6 x LR61 (AAAA) cylindrical cells, which allow the battery casing to wrap tighter around the construction. Being slightly smaller, the 6LR61 battery fits in the syringe driver compartment without getting stuck. The recommended battery for use is the Duracell Ultra 6LR61.

Should you get your next car on finance?

The car finance industry has been booming over the past few years, with 4 out of 5 cars in the UK bought on credit or finance! If you’re thinking about getting your next car on finance, you’ve come to the right place. UK Car Finance are here to help you decide which option is best for you! In this article, they explore what car finance is, the different types and how it could be the perfect choice for you!

 

What is car finance?

Car finance is an umbrella term for different ways to finance the cost of a car. With car finance, you can spread the overall cost of owning a car into affordable monthly payments. Usually within a car finance deal, you will sign an agreement which states you will make monthly repayments on a car of your choice to an agreed term and with an additional interest rate. It’s also worth noting that a car finance agreement is a legal document so you should be completely sure before you sign up to anything. But don’t worry, it’s not as daunting as it seems and there are a few different types of car finance agreement you can choose.

 

What are the types of car finance?

The three main types of car finance include a personal loan option, Hire Purchase (HP) agreement and Personal Contract Purchase (PCP) agreement. A personal loan is a great way to finance a car as you can use a personal loan on just about anything. This means you can use the loan to buy a car and you are the automatic owner of your new car from the start. You can usually spread the cost of a personal loan over one to seven years and pay back the loan in fixed repayments each month. Hire Purchase is another way you can fund your next car with fixed monthly payments to an agree term. There are also many no deposit car finance options available within a hire purchase agreement so you don’t have to use any savings! Different to a personal loan though, you aren’t the legal owner of the car until after you have made the final repayment. Personal Contract Purchase is similar to HP where you make fixed monthly payments to an agreed term, but instead you have 3 options at the end of your agreement. You can either return the car, pay the final balloon payment (also known as resale value) or use the resale value towards buying a new car. This is often a popular choice with people who like to change their car regularly.

 

What are the benefits?

As mentioned, more UK drivers are choosing to finance their next car but what makes it so popular? There are many benefits of getting your next car on finance.

  • It’s affordable
    This is probably the main reason people choose to finance their next car. Using an online car finance calculator which allows you to work out your affordably for car finance before you even apply!
  • You usually get a newer car
    Car finance agreements are usually based on financing newer cars as they are more reliable. This also gives you better peace of mind as you are investing in a quality car rather than an older model which is more likely to need repairs.
  • Fixed interest rates
    With most car finance agreements, your interest rates will be fixed, which means there are no hidden or unexpected charges or changes to your agreement throughout the duration.
  • Hold onto your savings
    Many people think car finance means hefty deposits and breaking into your savings. However, with many no deposit options now available you can keep your funds for a rainy day!

Tips for an efficient payroll year end

0

Payroll year end is fast approaching again and to ensure you have a smooth and efficient payroll year end we have put together a few tips to make sure your business is prepared.

Running payroll throughout the year can be enough of a challenge without the added requirements of the payroll year end. Not to mention all of the legislative changes in place for 2019, such as minimum contributions for auto enrolment pension schemes increasing in April and the National Minimum and Living Wage increasing.

So where do you start?

Every year, after your last pay run, but before 19 April, you need to send a final payment submission to HMRC, either using a Full Payment Submission (FPS) or Employer Payment Summary (EPS). Finally, after prepping for the new year and by the end of May all employees will need to be issued a P60.

Let’s start by outlining some of the key dates you need to put in your diary:

The key payroll year end dates for 2018/2019:

  • Before 6 April 2019 – On or before your employee’s payday send final Full Payment Submission (FPS) payroll report for the year to HMRC
  • 5 April 2019 – Deadline for registration for 2019/20 payrolling of benefits
  • 6 April 2019 – Start of the 2019/2020 tax year
  • From 6 April – Update employee payroll records
  • From 6 April – Ensure payroll software is updated
  • 19 April – Deadline for the final employer payment submission and amended 2018/19 full payment submissions.
  • By 31 May 2019 – Deadline for supplying current employees a P60
  • By 6 July 2019 – Report employee expenses and benefits using P11D and/or P11D(b)
  • By 22 July – Pay Class 1A NIC on P11D benefits (19 July if by post)

Then you need to consider a couple of oddities in the payroll year end

  • Do you have a week 53?

If your employees are paid monthly, you won’t have a week 53 and can process your payroll as normal. Nor will those that pay weekly, fortnightly or four-weekly and the normal pay date doesn’t fall on 5 April.

However, if your weekly pay day does fall on Friday 5 April then you have a week 53. If this is the case, you will need to ensure you complete your payroll for 5 April before processing your year end.

  • Do you need to send an Employer Payment Summary (EPS)?

Every time you pay your employees you notify HMRC by sending an FPS. If you don’t have any active employees on your payroll for that period then you still need to notify HMRC, but this is done with an EPS.

The only other times you’ll need an EPS is if you need to pay or recover an apprenticeship levy, you are making statutory payment recoveries (92% or 103%), have started claiming employment allowance in that period, or are recovering any CIS suffered.

Can you claim small employer’s relief?

When it comes to payroll year end you should consider whether you can claim small employer’s relief. If your business has a liability for National Insurance Contributions lower than £45,000 in the last tax year then you qualify as a small employer. By falling into this bracket, you will be able to reclaim 103% of any statutory maternity pay, statutory paternity pay, statutory adoption pay and shared parental pay under small employer’s relief.

You’ll be able to calculate how much you can get back using your payroll software. To reclaim the reliefs you just need to include them in an Employer Payment Summary (EPS) which is issued to HMRC.

Missed the deadline?

If you’ve made a mistake or missed the 5 April deadline then don’t worry, you can submit a new correct form by 19 April. However, after the 19 April you will not be able to file an FPS for the previous year. In this instance you will need to use an Earlier Year Update (EYU) showing the difference between the last reported final figure and the correct final figure for the tax year.

Do be aware that by sending an EYU after the 19 April you may run the risk of penalties for late submissions.

Preparing your P60s

A P60 is an important document that summarises an employee’s pay and deductions for the tax year. You will need to give P60s to all employees whether you are an online or a paper filer. It is needed as proof of income for loans and mortgages, claiming overpaid tax or applying for tax credits.

The P60 will need to be provided to each employee that is actively working with you on the 5 April by 31 May. They are not required for those employees who have left prior to 5 April as they receive a P45 upon leaving.

Should you miss the deadline of providing employees their P60 then you may be subject to a penalty fine of up to £300 per late form and an additional charge of £60 per day for each day the failure continues.

Reporting employee expenses and benefits

If you have provided your employees with benefits or expenses throughout the year then you’ll need to report these by 6 July.

You will also need to send a P11D(b) form showing the amount of Class 1A NICs due from all P11D forms and any benefit processed through payroll. You must pay Class 1A National Insurance by 22 July each year for the previous tax year.

Still need more help with your payroll?

If you’re struggling managing your payroll internally and need someone to take away the stress with a cost-effective professionally managed solution then you can engage a payroll service provider, who can deal with the entire process and any issues for you.

If this is something that you are looking to do, then it is important to find out how easily their systems will integrate with yours and how easily employees can access their payroll information. Don’t forget to be sure they can also scale up, if need be, with the growth of your business and ask the all-important questions on their cloud security.

Written by James Alesbury MCIPPdip

As Associate Director of HWB Accountants, James specialises in payroll and auto enrolment for the SME market, working closely with clients to ensure compliance.

New Technologies in 2019 That Are Poised to Change Architecture

0

Architecture is an exciting field to be in because; it’s never static, it is always changing, and adjusting to whatever technological innovation is available during each era. You only have to take a brief walk through architecture’s history to see this in action. Take the case of the construction drawings which evolved from etchings in stone walls as evident in the temple of Apollo in Didyma to it being digitised and stored through a drawing management software for construction.

The way our houses were built also changed throughout the ages – from dwellings built from mud, wood, clay to modern houses and skyscrapers made from a combination of metal, bricks, and concrete.

But technology does not stop there; it is constantly evolving, and the field of Architecture is changing with it. Let’s take a look at the new technological innovation this 2019 that has the potential of changing architecture as we know it today.

New Material Innovations

New material innovations will change the way our structures which include commercial buildings, roads, and our houses. Below are some cutting edge materials; some still in the development stage, and some already available out in the market.

  • ALON ( Transparent Aluminium)

If you are a fan of Star Trek; you’ll be familiar with Transparent Aluminium since this is the material that’s used to build the starship’s windows and portals. Today, it is a reality. Transparent aluminium, which is marketed under the name of ALON and sold by Sumet, is not metal; it is a form of ceramic.

ALON is incredibly hard ( scoring a 7.7 in the Moh’s hardness scale) and is bullet resistant.

  • Graphene Bricks

If the word graphene seems vaguely familiar to you, it’s probably because it has the same composition as graphite or lead in your pencil. The difference lies in the atomic level, in how the carbon atom matrix is arranged. Graphene’s atoms are organised in what is termed as a single layer hexagonal matrix. It is in this matrix that makes graphene the lightest yet the strongest material on Earth.

Nanoscience professor, Monica Craciun, at the University of Exeter is experimenting with graphene by suspending it in water and using the liquid as a main ingredient to make concrete blocks. Tests that were made have shown that this material is stronger, more elastic, and more water resistant than regular concrete.

This material can change the way buildings are built in the future because structures can be built using half of the material needed and the buildings last longer to those made out of concrete.

  • Self Healing Concrete

Self-healing concrete can repair micro cracks by itself. The technique was first discovered by a Henrik Jonkers, a Dutch microbiologist, when he added limestone (calcium carbonate) producing organisms to a concrete matrix. From this initial finding researchers and engineers have found new and better ways for concrete to self -heal; some of which are as follows:

  • By Adding Hydrogels and Superabsorbent Polymers. The hydrogel is placed in a capsule, and when cracks happen, the capsule is exposed to moisture in the air and swells. The swell seals the crack and is followed by other chemical reactions that will fix the crack.
  • Autogenous Healing or the ‘healing’ with the help of moisture. This is done by adding microfibers and dehydrated cement in the concrete matrix.
  • The addition of organisms that produce calcium carbonate. By encapsulating these organisms, and adding them to the concrete mix; it allows them to heal the crack when the capsule is exposed to moisture in the air. Once water is introduced, these organisms will start to produce calcium carbonate and start the process of healing the crack.

Fairy Lights (Touchable Hologram) 

Fairy lights or touchable holograms was developed by a team led by Dr. Yoichi Ochiai from the Tsukuba University in Japan. To make it touchable, the research team used Femtosecond technology, derived from the same technology that bought about laser cataract surgery, to project 3D objects that can be controlled by touch.

The fairy light system emits a high-frequency laser in pulses that last one femtosecond, or a millionth of a billionth of a second. The holograms, described by people who have experienced it, are said to feel like sandpaper, while others likened it to a static shock.

Science fiction fans are particularly giddy about this technology because they think it’s a precursor to the realisation of the Holodeck – a part of the starship – where people can talk, touch, and interact with holograms. And, while this might sound a bit far-fetched for now, fairy lights have the possibility to change the way architects make and manage construction drawing. But at the very least, it can make for an incredibly amazing client presentation.

Robotics and 3D printing

3D printing, as a technology is not new, but with the addition of robotics; 3D printing is making it possible to print bigger life-size structures with new materials that were never thought of as being possible before.

Let’s take the example of 3D Metal Printing which was pioneered by a startup Dutch company under the name of MX3D.  The company developed a 3D printing method called WAAM (Wire Arc Additive Manufacturing) which ‘prints’ 3D structures made from metal (aluminum, bronze, Inconel) with the assistance of a 6-axis robot.

This company has printed out a 12 m long functional pedestrian steel bridge which is set to be installed in Oudezijds Achterburgwal Amsterdam sometime in 2019 bonus bez depozytu za rejestrację 2022. The metal printed bridge is now going through load tests which are conducted by the lead structural engineering firm, Arup. In addition to testing; the bridge is being equipped with sensors so that that it can gather data to be used to create the bridge’s digital twin which will eventually become the basis for the new design language that will run the new process.

Truly, it is an exciting time for Architecture given all the new technologies that are cropping up. And given the speed that these technologies are moving, we might just find ourselves passing through a metal printed bridge on the way to home to a house or building made from graphene.

How to improve productivity with fleet vehicle tracking

In the world of fleet management, telematics data and tracking has helped improve productivity and safety amongst fleet companies. With each vehicle being tracked through their GPS system, fleet managers can identify patterns and find new ways to make savings and increase efficiency in their company.

Fleet management vehicle tracking can really help a business improve productivity in a number of ways. it could also be worth looking into small fleet insurance cover.

Recording driver behaviour

Telematics data not only tracks where a driver is going through the GPS system, but also records the speed, braking, acceleration and other factors of driving. It monitors driver behaviour and then uploads all of the data to a central system.

With this data, fleet managers can come up with solutions to help improve driver behaviours such as driving at the speed limits. Not only that but businesses create driver scorecards to monitor performance and can use technology to create alerts to notify drivers when there are driving above the speed limit or driving in a way that impacts their safety.

All of this can help to identify patterns of driving per driver, create a safer workforce and help to reduce risks and accidents. Not only can this help to lower the cost of fuel, but also can help lower the cost of motor fleet insurance as you can show your insurance provider the details of driver behaviour.

Longer fleet vehicle lives

Tracking your fleet can help to understand which vehicles aren’t performing as effectively as they should or are in need of some maintenance at the garage darmowe spiny za rejestrację bez depozytu. It can help to identify mechanical issues such as breakdown, repairs and engine diagnostics, and also help to keep track of routine maintenance such as vehicle servicing or an MOT. By tracking your vehicle data you can ensure you have a healthier fleet with a longer lifespan of each vehicle.

By ensuring your fleet is healthy and well looked after, you can save money and enhance productivity because your vehicles will be performing better overall for a longer period of time. It can also help to spot any repairs early before any damage becomes irreparable or expensive. Saving the company a lot of expense and time wasted.

Streamlined operations

One of the best things about vehicle tracking is the collection of data which can enhance productivity. All data links back to one central hub, which means it’s easier to collate all data and analyse it. Comparisons can be made between vehicles, drivers and different routes taken.

When you have access to these data streams, you can monitor patterns and make improvements. These improvements can be anything from time management to maintenance or as mentioned previously, driver behaviour. Through analysing patterns and different scenarios, fleet managers can streamline their operations for a more efficient and productive team.

Staff management

Along with monitoring driver behaviour and saving money on fuel, tracking data can also help to manage and record start and finish times. This type of tracking can monitor how long staff members take breaks for and how much lost time could be avoided to increase productivity.

If staff are aware that their time schedules are being monitored, they are less likely to take longer breaks, arrive late or leave early from a shift. That way, you can make sure that all your labour costs are being utilised towards business productivity and not being wasted.

Optimise journeys

Tracking your fleet can help to optimise the best routes for your vehicles to go. It can help to split jobs out to get the most efficient routes, build smart routes to avoid traffic and map out routes for more deliveries within a certain timeframe.

Not only does this increase productivity but it saves the company a lot of unnecessary time and money. Tracking can help determine which routes are more congested and possibly help to find alternative ways. It can also help to communicate with customers and keep them in the loop so that they are aware when their package would be delivered.

GPS tracking and telematics have changed the operations of fleet management firms tenfold. It can really help them to understand their business and make improvements to help cut costs, maximise performance and build on profits.

Reduce Overall Insurance Costs

One of the biggest variable overheads that, as a fleet manger, you have control over is the cost of fleet insurance. Courier drivers, especially van couriers drivers, are under pressure to delivery multiple items in a fixed time period, which can increase the risk of accidents.

Telemetric devices, that gather driving data, can help identify driving habits that if left unchecked can lead to accidents. This information can be used proactively to provide additional driver training to reduce fleet accidents and thus overall insurance costs.

In summary, a significant reduction in fleet insurance costs can be achieved by using fleet management software in combination with telemetric devices. This valuable information can be used to take proactive actions to keep your fleet insurance from rising. The end result over time will be savings on your multi van insurance premiums and a company that benefits from lower van fleet insurance cost than its competitors.

Look Pure Term Insurance Premium Plan

0

Overview:

The purchase of term insurance plan is a smart move on your part for more reasons than one. While you create a blueprint drawing a financial roadmap for the future, the pride of place certainly belongs to the protection of your family in your absence, which may always be a possibility in life’s uncertainties. It is wise to be ready for unforeseen realities of life, rather than put the lives of your loved ones into jeopardy on your demise, grappling with the loss of income and liquidating your liabilities. Leave alone fulfilling the future aspirations of your children and a decent lifestyle after that; the crisis is hard to tackle. It is term insurance plans that can obviate such eventualities. Therefore, the safety net for your family needs a meticulous study for the options open to you to enable you to choose the best possible term insurance plans available, rather than cut a sorry figure with an uninformed decision later.

The basics of term insurance plans:

You must know first that a life insurance policy is a contract entered into by you with the insurer to pay a death benefit equaling to the sum assured to your nominee in the event of your demise during the term of the policy to comply with the contract, you are required to pay mutually agreed upon premium at defined periods. Should you outlive the policy term; some plans like endowment and ULIP pay you maturity benefits in the form of sum assured plus bonuses. But term insurance plans are simpler, being an only pure protection plan that has a single payout paid to your nominee on your demise which is the sum assured. The simplicity of the plan translates into an offer of a very high sum assured instead of a nominal premium, which is the primary reason for its popularity.

Types of term insurance plans:

As understood, term insurance plans are pure risk plans offering an only death benefit, but there are two options involved. One is to receive the payout in a single lump-sum amount or stagger it in monthly instalments over some time. There are variations of best term insurance plans, where the addition of riders enhance the scope of your cover and add value to it. Of late, some insurance companies have extended the scope of term insurance plans by returning your premium on termination of the policy once the term is over. This is known as TROP (Term Insurance Return of Premium) in insurance parlance. While it appears attractive at first sight, on the flip side, you end up paying a higher premium for the TROP option.

Term Insurance Return of Premium (TROP):

On the face of it, the offer may look very attractive. But your premium goes up substantially, and on your survival, you receive the exact amount of premium you have paid during the policy term and not a single farthing as interest. So, for the higher amount over a period returned without any additions, the common notion is that there is no loss. Far from it, the quantum of premium you pay is not only inordinately high; the zero interest return in effect erodes the accumulated premium value heavily due to inflationary pressures. By blindly leaping into the purchase of TROP term insurance plans, are you not missing the woods for the trees? A rather sensible approach would be to consider purchasing an endowment for retirement with the differential amount for the same term period that would give you returns multiple times of the return of TROP, enabling you to make a handsome corpus for wealth creation. Is it not food for thought for other survival benefits to consider as worthwhile?

Reasons for high premiums in TROP:

The usual term insurance plans are designed to cater for death benefit only. Since there are no additional payouts, the sum assured offered is very high against the nominal premium. This is possible because of the simplicity of the plan, which is its USP. If the company has to pay TROP as survival benefit, the administrative costs go up and to make the plan viable; the company increases the premium by two to three times. A TROP plan involves payment of survival benefits comprising the sum of all premiums after appropriating applicable taxes, underwriting expenses and rider premiums. Coupled with this is the administrative and operational expenses, that compels the company to raise the level of premiums substantially high to make the plan work for them.  It makes sense to understand that every service comes at a cost. Should the company return the entire accumulated premiums to you; how will the company run the show? Therefore the expenses for maintenance are recovered from you in the form of higher premium to run the TROP plan.

Also Read: Top 5 Best Life Insurance Plans in India

The options before you:

When you go for term insurance plans, the basic motive is to protect your family in the event of your demise, for a cover that extends up to your retirement. Does it make sense not to consider your retirement plans? The term insurance plans are not the end of all of your financial planning but only an important cog in the wheel. The earlier you shed the wrong notion that insurance products are not tools of investment, but only a cover against uncertainties of life, the better it is. Some plans also help you build wealth in the long term that will take care of your life post-retirement when you will have no other income to sustain term insurance plans.

Bottom Line:

Prudence rather than emotion should determine the type of term insurance plans suitable for you. Considering all the possibilities, it is prudent to purchase traditional term insurance plans, based on your resources, liabilities and the type of lifestyle envisaged while protecting your family. The savings from not opting TROP will enable you to a judicious purchase of other plans that will help you live a life of peace and comfort post-retirement. After all, wisdom is the deciding factor that will help you choose the right plans that will provide you with a safety net covering all phases of your life. Certainly jumping into the TROP bandwagon is not truly the win-win situation that is widely projected.

Mattress Sizes 101: Understanding Singles, Doubles, Kings, Super Kings & More

0

The right mattress can make all the difference between a stressful night spent more awake than asleep and a relaxing, peaceful night of deep, refreshing sleep.

One of the most important factors in any mattress is its size. By selecting a mattress that offers the right fit for you and your partner, you’ll find it easier to settle into a comfortable position for a full night of sleep.

Mattresses come in a variety of sizes, from well-known standards such as singles, doubles and kings to custom mattress sizes. Below, we’ve explained how the most popular mattress sizes in the UK work, as well as the biggest advantages and disadvantages of each size option. All the options can be explored further at this orange county california mattress store.

Single Mattresses

Twin mattresses are ideal for children and young adults. They’re also a good option for adults that sleep alone and don’t need a large bed to feel comfortable. UK standard single mattresses typically measure 2’6” to 3’0” in width (or 75 to 90cm) and approximately 6’2” in length (190cm).

The biggest advantage of a single mattress is its compact size. While a single mattress is long enough to provide a comfortable night’s sleep for most adults, this type of mattress’s thin width makes it ideal for fitting inside small bedrooms.

Double Mattresses

Ideal for couples and individuals who like a little extra space to stretch out while they sleep, a double mattress provides a comfortable surface for enjoying a night of refreshing sleep.

In the UK, double mattresses typically measure 4’0” to 4’6” in width (or 120 to 137cm) in width and 6’2” (190cm) in length. In Europe, double mattresses have slightly different measurements, with an average width of 120 to 140cm and a typical length of 200cm.

With about 50cm more width than a typical single mattress, a double mattress is a good choice if you sleep with your partner. Double mattresses are also a popular option for single sleepers, as they offer extra versatility (for example, if your partner wants to join you) and comfort.

King Mattresses

A king mattress offers extra width and slightly more length than a standard UK double mattress, making it a good option if you’re taller than the average or if you want to stylishly furnish a large bedroom.

In the UK, king mattresses measure 5’0” in width (or 150cm) and have a length of approximately 6’5” (200cm). This means that you and your partner have an extra 13 to 30cm to stretch out and enjoy compared to a conventional double mattress.

The biggest disadvantage of a king mattress is its footprint. While a king mattress can look great in a large master bedroom, beds of this size can make small bedrooms feel overly cramped and  crowded.

Super King Mattresses

With an extra foot of width compared to a conventional king mattress, super king mattresses are the ultimate in bedtime luxury. Thanks to their space, mattresses of this type are ideal if you like to stretch out while you sleep, or if you want to enjoy a five-star hotel experience at home.

In the UK, super king mattresses measure 6’0” in width (or 180cm) and 6’5” in length (200cm). A mattress of this type is best suited to an expansive master bedroom due to the massive amount of space that’s required.

Best Casinos in Macau

0

Macau’s rise from nothing more than a small Portuguese territory to one of the world’s greatest gambling centres has been remarkable. No longer seen as just a Vegas rip-off, Macau has gone on to surpass the Sin City’s gambling income.

As seen in the infographic below created by casinosites.me.uk, the territory now boasts over 45 casinos with sizes and tourist attractions to rival Vegas. It even has its answer to the famous Vegas strip – the Cotai Strip. The city’s nightlife, rich history, and culture all add to its undeniable appeal.

Macau has some of the world’s most famous chefs. The food and entertainment shows are another major tourist attraction. With over 30 million yearly visitors, it has truly stepped out of Vegas’ shadow to have one of the world’s most rapid-growing and successful economies.

With over 45 new and shiny casinos to choose from, picking one from the crowd might be a difficult task, especially for the first-time visitors.

Let’s take a look at 3 of the very best casinos in Macau.

The Venetian

The Venetian Macau Resort Hotel is a 39-story hotel-casino on the Cotai Strip in Macau. The complex is modelled after its sister casino in Vegas – The Venetian Las Vegas. Spread over 10,500,000 square-foot, it is the largest casino in the world and the seventh largest building by floor area.

The casino has over 800 gaming tables and 3,400 slot machines. The Venice-themed casino is also famous for its near-perfect replica of Rialto Bridge in Italy. It has a large hotel with 3,000 guest rooms and over 30 restaurants, as well as four outdoor pools, and over 300 retail shops. The resort is one of the very best entertainment centres in the world and a gambler’s paradise.

Wynn Palace

Wynn Palace is Wynn Resorts’ second casino in the Macau Special Administrative Region following the opening of Wynn Macau. Located in the Cotai Strip area, the 28-story hotel is arguably Wynn resorts’ best casino establishment. The complex contains over 1,500 guest rooms, restaurants, and 420,000 square feet of gaming space.

Wynn Palace also has Macau’s biggest spa and some of the best architecture on the entire strip. Guests can also relax by any of the resort’s outdoor pools and there is a human-made lake on the outskirts of the complex as well. The 8-acre lake has a choreographed water display, music, and floral displays to entertain visitors all year round.

City of Dreams

City of Dreams is one of Macau’s major hotspots for the more serious gamblers looking to win big bucks. Located in Cotai, the resort is owned and managed by Melco Crown Entertainment.

The establishment is Melco’s second property in Macau and is located directly opposite The Venetian Macau. The casino pays homage to Chinese mythology and uniquely blends Chinese tradition with modern technology.

The resort has a 420,000 square feet gaming space which is one of the biggest in the city. City of Dreams is also a celebrity hotspot, and visitors can expect to run into a famous figure or two.

There are 450 gaming tables, 1,500 machines, over 20 restaurants, and one of the biggest bars in the city. City of Dreams is also home to The House of Dancing Waters – the world’s largest water show. Considered the most exclusive casino in Macau, City of Dreams is a paradise for both gambling and non-gambling tourists.

Conclusion

The continued rise of Macau’s booming economy has been sensational, and tourism is almost single-handedly responsible for it. The territory might be small, but the same cannot be said of its casinos.

Macau is home to some of the world’s biggest and most successful casino establishments, the kinds of which now rival those in Vegas. Any gambler visiting Macau should consider The Venetian, City of Dreams, or The Wynn Palace.

Top 10 Women to Follow in Finance

Have you heard of the “million dollar granny,” Ingeborg Mootz? She discovered her skill at forex trading at the tender age of 83! Today, at 93, she not only has millions in her account, but has also written a book about how she achieved financial success. If anything, she teaches us that it is never too late to learn a skill. More importantly, she teaches us that following successful traders can be an effective way to hone your own knowledge and skills.

In fact, women have broken all stereotypes in the financial world, becoming leading gurus on Twitter, followed by both beginner and veteran traders. Here’s a list of the top women to follow in finance on social media, who have gained this position by making strong in-roads into what had always been a strictly men’s club.

  1. Kathy Lien

The reason Kathy makes it to the #1 spot on our list in that she has been described often as a “fundamental guru.” So, if you are looking to stay updated with the latest market happenings and what impact they could have on your trades, she is the one to follow. Kathy is great at giving a rundown on the news and also offering trading tips that can prove very helpful.

Twitter handle: @kathyleinfx

  1. Kathryn Cicoletti

Popularly known as Ms. “Cheat Sheet,” Kathryn offers easy-to-understand videos on various financial and business-related topics. Of course, you would do well to stay prepared for her uncensored way of providing insights.

Twitter handle: @mscheatsheet

  1. Stephanie Flanders

Stephanie has 130k followers on Twitter and heads up Bloomberg’s Economics. This impressive woman was also former BBC Economics Editor and Chief Marketing Strategist for J.P Morgan Asset Management. A must follow.

Twitter handle: @MyStephanomics

  1. Kristin Bentz

If we had to give an award for breaking stereotypes, Kristin would win! This is one blonde that is a formidable financial brain, having been a Wall Street trader herself. She now regularly provides inputs through her blog and on Twitter on the latest developments in the financial markets. With almost 11K followers, she is beaten only by Kathy Lien in her social media following of traders.

Twitter handle: @TalendedBlonde

  1. Abigail Doolittle

This Doolittle has a way of talking to the markets that gives Dr. Doolittle stiff competition in his way with animals. If you want to know the latest developments in the S&P 500, 10-year treasure yields or any other event moving the financial markets, this is who you should follow. She also uploads inspirational quotes to get you going on rainy days.

Twitter handle: @The Chartress

  1. Cathy Curtis

Cathy is another formidable financial brain, a gifted financial advisor, RIA and CFP. What makes her stand apart is her advocacy for women traders, offering great tips for women investors wanting to make their way through this male-dominated arena.

Twitter handle: @cathycurtis

  1. Barbara Friedberg

We love Barbara for her straightforward tag line, “save, invest and build wealth.” That is what we believe in too. A portfolio manager and university finance instructor, Barbara is especially qualified to offer trading tips. She also provides links to valuable educational resources.

Twitter handle: @barbfriedberg

  1. Lydia Idem

With a primary focus on silver and currencies, Lydia has a track record of providing very prompt updates on fundamentals moving the markets. She has a talent for charting, which proves very helpful for traders.

Twitter handle: @faithmight

  1. Kiana Danial

Better known as Invest Diva, Kiana provides online investment education, especially for women. Newbies can learn a lot about the financial markets from Invest Diva’s inputs.

Twitter handle: @InvestDiva

  1. Stephanie Link

Looking for the latest news and analysis? Stephanie is the one to link to! She offers meaningful commentary on the financial markets, providing input on everything financial, from stocks to economic data.

Twitter handle: @Stephanie_Link

 

Of course, you don’t have to be a woman to take advantage of the valuable insights that these leading financial commentators have to offer. The key to success in the financial markets is to keep yourself updated, and constantly look to increase your knowledge and skills.

  • bitcoinBitcoin (BTC) $ 107,540.00 2.71%
  • ethereumEthereum (ETH) $ 3,334.30 1.02%
  • xrpXRP (XRP) $ 3.29 4.77%
  • tetherTether (USDT) $ 0.998827 0.04%
  • solanaSolana (SOL) $ 255.40 6.94%
  • bnbBNB (BNB) $ 690.86 0.9%
  • usd-coinUSDC (USDC) $ 0.999994 0%
  • cardanoCardano (ADA) $ 1.06 0.27%
  • staked-etherLido Staked Ether (STETH) $ 3,332.88 1.54%
  • tronTRON (TRX) $ 0.244333 2.49%
  • avalanche-2Avalanche (AVAX) $ 37.59 1.27%
  • the-open-networkToncoin (TON) $ 5.06 0.23%