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Interesting Facts About UK Forex Brokers

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The United Kingdom is home to the oldest stock exchanges in the world. The London Stock Exchange has a market capitalization of more than USD 4.60 trillion as of date. An interesting fact is there was a time when brokers were prohibited due to their bad manners. They gathered at the nearby coffee houses when they traded popular commodities like sugar, salt, paper, and coal.

Fast forward to the present day; the UK has the most major trading markets in the world. The forex traders now enjoy a firmly regulated reading market. There is a wide range of licensed brokerage firms (local) to choose from, and the UK Forex brokers are now well known for their high quality, transparency, and reputation.

Types

Any forex broker looking to operate in the United Kingdom must first get the necessary permit and license from this watchdog. A broker must have any three of the following licenses – Dealer license, Intermediary license, or the Restricted broker license. Although a restricted broker can market and sell products to the UK people but do not have the right to hold on to investor funds.

The first two types allow brokers to sell CFDs (Contracts For Difference) for commodities like gold, silver, shares, currency pairs, and so on. However, a restricted license holder can only introduce customers to firms having a dealer or intermediary license.

Requirements

Licensed companies are obliged to have a physical presence in the United Kingdom. Qualified CEO (Chief Executive Officer) and Compliance Officers are mandatory and are also obliged to participate in the FSCS (Financial Services Compensation Schemes) that support the investors in case the brokers shut down their business. Brokers, along with companies, are strictly prohibited from resorting to manipulations to attract investors. There are also strict restrictions that do not allow you to get into positions against the traders or extend financial advice. It holds right, especially in cases that involve high-risk trading decisions.

FCA

The local financial watchdog, Financial Conduct Authority (FCA), ensures no compromise of the various trading rules and regulations. It has emerged as one of the most challenging financial regulators and functions independently of the government. It is funded by the market participants who are the beneficiary of this body. The power of this body is considerable. It can freeze the assets of individuals and organizations in case of any inconsistency.

Interesting Facts

More than 40 percent of all forex transactions happen in the UK. In the US, the same is less than 20 percent. As a result, the London Stock Exchange has emerged as a trading hub for numerous forex deals. Furthermore, the Internet has revolutionized the way forex trading is done these days. Maximum happens online than on the exchange floors.

Best UK Forex Brokers

To check whether a forex broker is licensed to operate in the UK, the registration number from the disclosure text must be checked. A few reputed names are as given below:

  • Plus 500.
  • CMC Markets.
  • Saxo Bank.
  • City Index.
  • Forex.com
  • Swiss Quote.
  • XTB.
  • FXCM.

A Beginner’s Guide to Online Bingo

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Online Bingo is just a single arm of one of the fastest growing industries in the world: online gaming. With the rush of technological advancement sweeping every country’s list of priorities and the ever-expanding marketplace of the internet, it’s no wonder why this industry is seeing such phenomenal growth.
Online Bingo offers players the chance to get involved in one of the most traditional games of the Western world – taken straight from the bingo halls and brought direct to your mobile phones. Bingo isn’t just for the elderly anymore, and with all the developments modern technology has allowed, there’s sure to be some enjoyment in it for everyone. If you’re looking to win some money and have fun, make sure to follow a few expert tips and get off to the best start possible.

Learn the Rules

Bingo is a notoriously easy game to play, but with the latest industry developments and tech improvements, there’ll likely be some bells and whistles that you don’t know how to ring or blow. Make sure to look around the site, and find the part that tells you how to play the game – preferably before you dive in wallet-first. This will at the least make sure that you don’t miss out on any obvious chances of winning.

Welcome Bonuses and Offers

Online Bingo is very competitive, and one of the fastest growing markets in the online gaming community – especially in the UK, where the traditional game has also historically been very popular. With all the competitors flooding the market, the sites offer incentives to keep players on their site instead of the competition’s.
These bonuses and offers could be anything from free money into your account to discounts or money back on the first however many games of bingo you play. Beginners should take full advantage of these bonuses, and use them wisely; there are many experienced bingo players who would love to be able to avail of them, but no longer have the opportunity. To find sites which offer the best bonuses we recommend checking out Boomtown Bingo which is always up to date with current bonuses and offers.

Free Games

Take advantage of the free games. By this, I mean games that don’t include betting.
Many Online Bingo operators will offer the chance to play games without putting money on the line, for the sheer fun of Bingo. The smartest beginners will know to use these games as practice. They offer the chance to find out how best to win, and to learn which strategies work for you. This way, once you’re ready to place a bet or two, you’ll have a much better chance of making some money.
If you combine this practice with the welcome bonuses, you could easily be off to a great start on money that wasn’t even yours before you logged on. Don’t be too eager to go and bet; the more time you spend playing, the more familiar you’ll be with the games and their rules. Practice makes perfect.

Watch the Time

There aren’t many proven strategies for winning at Bingo, considering everyone supposedly has an equal chance of victory, but there are ways in which you can increase your odds.
The best method to give yourself a fighting chance in online bingo is to be clever with your time-zones. It may seem like an upset that everyone has an equal chance, because there isn’t much room to improve your skills or be tactical but it’s because of this equal-chance factor that you can increase your chances of winning.
If you log on late at night and early in the morning, and you’re playing on an international server, this will significantly reduce the number of people playing alongside you – your competition. It’s the most definite way to increase your chances of earning, and something which not many people take seriously enough.

Know Your Games

Many of the games offered on Online Bingo sites offer mini prizes that you won’t know about. You should always research the games before you start playing, so that you can work towards specific goals and increase your chances of securing some of these prizes. While everyone else is interested in the overall jackpot, you’ll have more scope to catch the lower-hanging fruits.
While they’re called mini prizes, make no mistake; money is money. Though it may bear the face of the game we know and love, it’s still what you’ll use to pay your bills and buy your food. Work for the smaller amounts just as hard as the jackpot – it all builds up.

Online Bingo is a freight train, picking up passengers wherever it goes. The more people who play the game with you, the more competition there is, so there’s literally no better time to get on-board than as soon as you can.
Make sure to take full advantage of the various tips offered, and ensure the best start possible. Too many beginners jump straight into the games, and fall out the other side empty-pocketed. With all the right info in mind, you’ll have a big advantage over the other players. Gamble responsibly, and – above all – keep the spirit of Bingo alive; it’s a good game – have fun playing it.

What do Payment Software Solutions Play a Role in the Financial Sector?

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If you are running a financial enterprise, you always consider the payment transferring procedure to your customers. Payment transferring methodology plays a vital role in choosing the trusted and reliable enterprise by the customers.

The banking sector and other financial institutions need robust networking software that manages and monitors the payment flow within the industry and with outer customers. The software development companies always provide better services to solve the problems of payment flow in the financial sector. As an owner of the enterprise, you must get the best product for solving the payment issues. 

Fast networking system assists in transferring the payment from one branch to the other branch and also to the customer’s account. The software development companies provide various payment software solutions to your banking or other financial institutions.

Importance of the Payment software Solutions

As the technology overwhelming the entire banking and financial sector, the importance of the payment software solutions can’t be denied. The clients seek a safe and secure method in the transaction of money from one account to the other account. Therefore, the financial enterprise needs to utilize software technology and get the best services of the payment software solutions for its customers.

When we talk about the banking transactions, we think about the safe and secure method of money transactions free from cybercrime and for this reason software development companies develop the most integrated and secured software with high security of identification.

What are the services delivered by Payment software?

Payment software solutions provide various services to the client to make the flow of payment among the clients better and effective. Some services are given below:

Payment Gateway Solution

The experts provide this service by developing the custom software for the easy and quick transfers of money. The custom payment software is cost-effective and saves the financial sectors from using a high budget on expensive software that is designed to one specific task.

The multi-currency transfers and recurring payments are made by using payment gateway solutions properly.  It’s easier to make a transaction from an account around the globe quickly and swiftly.

Integrations Services

The payment integration service is the most important achievement of payment software. The software interacts with other web applications in case of E-Commerce websites and other online shopping stores and other marketplaces for the flow of payment. The interaction assists the client by paying transferring money from the account for shopping or other purposes.  The experts develop and customize the software according to the demands and requirements of the business.

Real-Time Payment Service

The international and domestic payment method utilizes real-time payment (RTP) service for the quick and secure transaction of money from banking or financial sector. The experts develop the software for the fast and instant payment transfer around the globe, just like global payment innovation (GPI) and monitor all the risks during transactions.

What are the Advantages of Custom Payment Software Solution?

There are many advantages of the software quick and instant transaction of the amount. Some are given below:

·       Quick and Fast Operations

The modern technology enables quick and fast operation in delivering and transferring the amount from one account to the other accounts without any delaying issues.  The integrated networking system assists the financial sectors in enhancing the efficiency and quality of the payment transactions. The shared accounts can easily interact with each other and make the transaction easy.

·       Safe and Secure

The blockchain networking provides a safe and secure system of money transaction. The identification security saves the account from the cyber-attacks. The software manages and controls the fraud and other bogus activity by various monitoring tools and makes the transaction transparent. The security policies like PCI, SDD standards and GDPR is well maintained by our experts and assist the financial sector by providing the fraud detection and authorization system.

·       Customization and Personalization

The main advantage of the custom software is personalization and customization. You can customize and change the features according to the policy of the financial sector for providing innovative technology with the time. The personalization is most important for the better working and performance of the software.The Fintech Software Developers assists the financial institution in managing and organizing the payment flow. The developers develop robust networking software for the money transaction around the globe with full safety and security.

Bitcoin Revolution Review – Is It Worth It To Join?

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You can earn money in two ways. The first way is to work for others and get a salary at the end of the month. You can use this income for your daily expenses, paying school fees for your children, and paying bills.

Of your salary, you have to save a bit for your future. You must be saving in banks. But in case of any emergency, you have to take out that money. So it happens that in the end, you have no money to fulfill your dreams. 

Then, there is the second way. There is a type of investment that gives you high returns. That is Bitcoins. But what about the risks? Yes, there is some risk in the cryptocurrency market. You need to join a trading platform that gives you accurate predictions. There is one reliable trading platform, Bitcoin Revolution, that gives you only profitable trades. It provides you with accurate signals. So you can book winning trades. 

With this software, you can invest a little and double it within a month or two. You can even become a millionaire in a few years. So don’t delay, join Bitcoin Revolution. It is free. 

About Bitcoin Revolution

Bitcoin Revolution is a successful cryptocurrency trading platform that assures only profitable trades. You get accurate trading signals from global cryptocurrency markets. The algorithm of the software is very powerful. It scans the global markets for the prices of all cryptocurrencies. Then it compares the data with previous market data. This way, it uses complex statistics and creates signals for trades.

Bitcoin Revolution is an exclusive trading platform with limited slots. The creators of this trading platform predict only profitable trades. So they restrict the number of users.  

How Does Bitcoin Revolution Work?

  • After you become a member and deposit funds, you are ready to trade.
  • When you log in to your account, you get all the trading information on your account page.
  • The cryptocurrency markets work 24 by 7. The algorithm of this trading app does quick research very fast and then generates trading signals.
  • Bitcoin may not be the best choice all the time. There may be other cryptocurrencies that will give you more profitable trades. If you trade with this app, you can get the chance to make daily profits.
  • The trading signals are always accurate. It has an accuracy rate of near 100%.
  • You have to trade according to the profitable signals.
  • If you are a beginner, you can set the parameters for trading. You can choose the cryptocurrency, the market, and the profit margin.
  • Then set the trading to auto-mode. The app will trade on it and you get the profits in your account.

How to Use Bitcoin Revolution?

Joining the Platform

Fill up the registration form on the website of the trading app. The company asks for your name and email address.

Verification of details

The app verifies your details and sends you an email. You have to click the account opening link from the email. And you have opened your account! You need not pay any joining fees. 

Funding your Account

After your account is open, you have to fund your account. You can pay using any credit or debit card. Once the money is credited to your account, you are ready to trade. You can start trading with $250. 

Start Trading

Once you deposit the funds, you can set the parameters and start making profits. With this automatic software, you can make profits even when you are not online. 

Benefits of Bitcoin Revolution

Precise Algorithm – Bitcoin Revolution provides you with an excellent accuracy rate of 99.4%. The users of the Bitcoin Revolution trading software triple and quadruple their funds. You can multiply your savings by following some simple trading signals.

Auto Trading – You can trade on auto-mode with this software. This means the software trades on its own. You can make profits even when you are not online.

All Cryptocurrency Trading – With this powerful app, you can trade in all types of cryptocurrencies. This will magnify your prospects of making profits.

Exceptional Technology  – Bitcoin Revolution provides you with the most superior and exceptional technology. The trading software has a time-leap technology of 0.01 seconds. You are able to know the position of the stock market beforehand and have the most profit-optimizing trades. 

Top trading softwareBitcoin Revolution trading software has got several awards for its accuracy and technology. It recently earned the distinction of being the best trading application. The US Trading Association awarded this.

FAQs

Is trading on the Bitcoin Revolution platform safe?

Of course, this trading software is safe. It uses the services of Bitgo, Norton Secure, and McAfee to secure the transactions. Whatever transactions you make, your details are under encryption. With the Bitcoin Revolution platform, you never lose your money. It is a trustworthy trading software that is in the market for years. 

What is the guarantee for profit on the Bitcoin Revolution?

The Bitcoin Revolution trading software makes profits for you. You can earn boundless profits when you trade on this application.

What trading experience does any user need to trade on this app?

No. You don’t need any trading experience to trade on this app. This app treats a pro and amateur similarly. You can get very easy-to-understand trading signals. A beginner can select trades following these signals. It orders the trades for you, even in your absence. 

What cryptocurrencies can you trade on this trading platform?

You can trade in all cryptocurrencies using this trading software. 

Conclusion

Bitcoin trading is very profitable now. An increasing number of professional traders are joining this market. You can see investors becoming billionaires in a few years. You, too, can change your financial status with cryptocurrency trading. It is a great way of generating funds for low-income people. Worldwide investors are buying or selling cryptocurrencies and making huge profits. 

For trading in this crypto market, you will need a trading software. The experience of the software matters the most. So it is better to trade with Bitcoin Revolution, which has years of experience of operating in the cryptocurrency market. It has analysts and innovative software to back you to earn sure profits.  

3 Ways to Attract More Customers to Your Business

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Marketing is a hard game to get into when running your own business. Analysing current trends, doing research in your area and finding professional help are all taxing things to attend to when you’re looking to increase your business’s exposure. This is all made even harder in the year of 2020. That’s why we’ve made a list below of three things you can do to attract more customers to your business:

Make/Update Your Website

If you haven’t made one already, your business should have a website. This may seem very basic, but there have been countless occasions where customers have wanted to look into a business but found them to have no online presence. Your website should be a complete package of everything your business offers and why people should give you their custom. On top of this, updating your website regularly will keep it fresh. People will want to frequently check what changes you have brought about, and it shows that you want to keep a connection with your customers.

If you feel that you’re in need of help with your SEO (Search Engine Optimisation), then look no further than Caffeine Marketing. They are a marketing agency Reading based, that can help you improve your business’s visibility. They utilise technical analysis and keyword research that is personal to your needs. Getting help from professionals in this area will completely change the game for you. An ever-adapting online presence will bring in more customers that want to see what you’re about.

Social Media

Showing yourself and your business on social media platforms adds a more human experience to your company. Giving people a look behind the curtain shows you to be more than a logo and masthead. Displaying your company as a people run company, grounds it for potential customers. You can also run competitions on social media platforms to increase your followers and notoriety. This is an especially useful technique if you are a product-based business, granting a greater exposure to what you sell and enticing people into trying to win it! If you’re looking to get started, then Facebook and Twitter are the obvious first choices. Make sure to link your posting to each site so no follower misses out.

Improving Your Look

An attractive business is a thriving business. Having a strong and recognisable logo is beneficial to much more than just your aesthetics. Having a good logo can grab the attention of casual browsers. When we see something pretty, our brain wants to investigate! You can summarise your business in a small image, keeping in mind that first impressions are very important. They stick with us whether we like it or not. So, if you feel like your look needs sprucing up, it’s definitely worth getting in touch with a graphic designer. There we have it. Increasing your customer numbers this year can be as easy as updating your website, adding a Twitter page to your portfolio or giving your logo a makeover. Stay positive and stay productive. People enjoy others’ passion. So, enjoy yourself and look forward to where this could take you.

Does Contact Centre Technology Enhance Customer Experience?

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Customer experience in the UK is the lifeline of any business. When your customers’ needs and expectations are met, you’re more likely to improve customer satisfaction levels. This is important in predicting customer loyalty, retention and the product repurchase rate. Data gathered through customer interactions is critical in helping you improve or recreate customer experience. 

Although contact centre software helps to ensure customer interactions, that is not all. You can leverage this technology to improve customer experience in the UK. Here are five ways call centre technology can improve customer experience:

  • Contact centre software allows you to track employees’ performance

One of the challenges of running a call centre is being able to monitor the performance of your agents. Well, contact centre technology makes this possible for you to track your employees to ensure they’re performing according to the set standard. You can also use this software to identify problems your callers may be having as well as get insight into product enhancement and development.

  • Meet your customers’ needs

You can only improve customer experience when you have a good understanding of what they need. You can analyze the data generated from the contact centre solutions to establish what customers like about your service, the issues they are facing and the grey areas. Armed with this information you can then create a standard procedure that is tailored to address specific needs. Contact centre technology also helps to speed up the resolution process so that customers know you care about what they need.

  • Shortens onboarding period

When you bring in new agents, their attitude is critical to how they perceive the business. Call centre technology helps to manage the onboarding process so that they are efficient and effective when engaging callers and offering custom solutions to their issues. This technology gives new hires access to the information they need to seamlessly fit in your operations. You can use call recordings as to train and coach new hires on how to handle callers who call with certain needs. This minimizes chances of then being unable to address caller’s needs that have been previously addressed.  

  • Enhances communication with team members

Call centre technology presents a perfect opportunity for you to have constant communication with your employees. While they (agents) are constantly talking to callers and providing solutions to their concerns, you need to communicate with the agents regularly to understand the emerging issues and effect necessary changes for your procedures. This is important because it boosts their motivation.

Why Improve Customer Experience?

You have likely spent some time designing customer feedback especially if you have a call centre. This is a sure way of ensuring you maintain customer expectations and retention. Here are three reasons why you should improve customer experience in the UK:

Increase up-selling and cross-selling. When customers are satisfied with how your agents responded to their concerns, they will become repeat customers. Moreover, when talking to clients on the telephone you are likely to identify an opportunity to upsell. 

Improve customer satisfaction. One of the reasons why businesses invest in having a call centre is to draw in more business. When clients can talk to your agents at any time of the day and have their issues handled, they will have a higher level of customer satisfaction that will result in more business not just from them but also others.

Better customer retention. Customers appreciate it when you show a level of concern for their needs. When customers are impressed by the customer experience they receive, they soon become raving fans that are guaranteed to give you repeat business. 

The importance of contact centres in enhancing customer experience in the UK can’t be overlooked. You need to have the right tools to stay ahead by having a team that is trained and can identify the needs of clients or improvements. With the fast-changing nature of technology, you need to consider investing in  Contact centre as a Service (CCaaS) solution. This means that you only purchase the technology that you need and you can access it from wherever you are. 

Consequently, you don’t have to worry about making significant investments whenever there is a software upgrade. Moreover, these options let you save on money you’d have spent on IT infrastructure and support staff yet you’re still able to tap into all the benefits of using the software and more. When you invest in contact centre software from a reputable provider, you can be sure to turn around customer experience for your clients for good.

Why is it worth playing at an online casino

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The casino is a popular entertainment that has been in demand for many years. Previously, these were special establishments that were fashionable to visit, but now they are online platforms with colorful slots, which are just as exciting and capable of winning. You can find a suitable option in the reviews like here https://www.nongamstopsites.co.uk/. They are regularly compiled by third parties. There are numerous ratings by which you can determine the most suitable option. Online casinos are a convenient way to have fun and make money.

Demand for online casinos

The constantly growing demand for online casinos is explained by the high probability of winning without large investments and complex requirements. It is the provision of loyal conditions for players that gives them many opportunities in the world of gambling. Members become regular users and receive regular income. Some people completely switch to this type of earnings, refusing to attend work.
This type of income gives members a lot of freedom in terms of personal time. Visiting an online casino is not bound by any boundaries. You can play at any convenient time. For example, those who like to sit in an online casino at night or in the evening can fully devote their day to family, friends, and personal affairs without prejudice to earnings. The player is given freedom of action, which is almost impossible with official employment.

Pros of online casinos:

  • Easy income;
  • Choosing a convenient time for participation;
  • Convenient access;
  • 24/7 work;
  • Constant customer service;
  • A real replacement for formal employment;
  • Clear rules of the game.

Many become interested in and play in online casinos when they reach the age of majority, as there are numerous entertainment with parallel income generation. There are many gambling sites now. This creates high competition. Due to this, everyone wants to create the most comfortable conditions for the participants in the online casino. These privileges provide players with the opportunity to generate additional income.

Bonuses

It is the bonuses that provide the opportunity for additional income. These are the so-called gifts that are provided under the minimum conditions. For example, a player can register and receive a bonus even without making a deposit. Such a prize is common. After all, it gives the player the opportunity to try his hand at participating without spending a cent. There are also many other types of bonuses.
Each online casino offers individual conditions for receiving prizes and their spending. But most sites offer similar bonuses. This can be incentives for making a first or subsequent deposit, cashback for regular participants or a birthday prize. Received bonuses can be spent on free spins without spending personal money. With this, you can become the owner of an attractive income.

How to choose an online casino to play?

You can choose a suitable site that meets your personal requirements through review sites. They contain the advantages and distinctive features of each casino. From the reviews, you can understand which gambling site is most in demand in a given period of time. They usually look at new online casinos that are capable of offering attractive terms of participation. More experienced sites, which are the favorites of many players, can also be sorted out.

What to look for when choosing:

  • Speed of withdrawal and deposit of funds;
  • The terms of participation;
  • The quality of the site graphics;
  • Provision of bonuses and participation in the loyalty program;
  • The presence of tournaments, lotteries and promotions.

There are many criteria to consider when choosing an online casino. Each of them is able to influence the course of events. The better the online casino offers the conditions for participation, the higher the probability of receiving a decent income without significant costs. It is also worth paying attention to the existence of a Jackpot drawing, which can be owned by any of the participants. Any of the moments can affect the comfort of the game and the personal income received in the process of participation.
The presence of tournaments and ongoing promotions also affects earnings. In addition to bonuses, this is also an additional way of earning income, which does not involve additional costs. And a large selection of slots will not make you bored. You also need to pay attention to the collection of games, as it is an integral part of the process. The more entertainment on the gambling site, the more exciting the process of the game. It is better to choose an online casino, where the collection contains popular slots and bright novelties that can cheer you up.

Outcome

It can be concluded that online casinos are a universal way of entertainment, provided for almost any age, and capable of bringing in a pleasant income. You can play and be on the gambling site right from home or from anywhere with Internet access. You can enter from any modern gadget or personal computer. The main advantage of an online casino with constant participation is its ability to replace the main place of work.

The basics: What you need to know about managing a budget

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Keeping on top of your finances is an essential part in the pursuit of leading a stress-free life. Money worries are one of the most common causes of concern for people in the UK and these worries are often created not through a lack of income, but from a misunderstanding of monthly budget requirements.

Below are a few tips on how to start putting together your own personal budget – as well as how to manage it and have the discipline you need to follow your own monetary rules.

Work out your income and outgoings

The foundation of any budget comes through working out your predicted outgoings every month. Things such as energy bills, mortgage payments and direct debits should be listed together – and quarterly payments factored in too. Once you have a comprehensive list of your outgoings you should take this away from your estimated income every month, this will give you the amount of money you have left to spend.

There are several budget calculators and planners online which can help you calculate these figures and come to an accurate conclusion on your spending.

Problems occur when these outgoings are more than your income in which case you need reduce the amount that you’re spending every month or supplement your income to get more in (or maybe a max of both?). Using tips and tricks from sites such as Free Money can help you to be savvier when it comes to making a little extra cash to assist this.

Question everything

Once you’ve got a detailed view of your incomings and outgoings you can then start to question the specifics and make a real change to your situation.

By being honest with yourself about your spending habits and asking the question “do I need this?” you can often dramatically cut back the amount your spending.

These savings can be made through things such as ending expensive TV packages, cutting back on the number of takeaways ordered throughout the month and stopping monthly subscriptions from gifting companies.

These are all nice to haves, but not essentials – and especially not if your budget doesn’t currently work.

Be kind to yourself

Sticking to a set budget is tough, so it’s worth giving yourself a bit of breathing space to accommodate the occasional lapse in monetary judgement. Ensuring a budget is realistic is the key to it being followed, so allowing yourself to spend a few extra pounds on extracurricular fun, while perhaps not optimal, makes sense in the long run.

This is especially true when it comes to months with important dates included. Whether it’s a birthday, anniversary or Christmas time, loosening the purse strings for these times can ensure that you allow yourself to enjoy the festivities in a responsible manner, instead of throwing the budget out the window altogether.

Budgets are best when they are considered part of everyday life and not a chore to be followed and these allowances can help a budget feel like that. Without this, you’re destined for a struggle.

How Artificial Intelligence Is Fighting The Covid

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The development of artificial intelligence (AI) is experiencing a boiling moment. According to the report on Digital Society in Spain in 2019, by the Fundación Telefónica, one in 12 European startups that year focused their activity around this technology, a proportion that in 2013 was only one in 50.

The majority work around to the category that the report defines as “necessary”: they develop systems around facial recognition, e-commerce search or imaging and medical diagnostics. This last typology, that of health technologies, brings together a fifth of emerging companies.

It is precisely in the field of health that some of the applications with the greatest practical impact are taking place. Sherpa.ai , a Basque artificial intelligence company –considered among the 10 most important in the world in this field by various specialized publications–, has developed a platform so that health authorities can estimate the number of ICU beds needed throughout a week.

An essential calculation for hospital logistics and to avoid the overflow scenes that were experienced in some territories.

“We believed that artificial intelligence could be important to combat the pandemic and we began to work hand in hand with the Basque Health Service,” explains Xabi Uribe-Etxebarria, founder and CEO of the company.

The Sherpa.ai team began to shape a predictive model by feeding it with data from Italy, the only ones existing at that time, originating from regions similar in demography to the Basque Country. “First we calculate the data by province and by hospital,” continues Uribe-Etxebarria.

“Later we created a platform that could be consulted virtually and we added functionalities. For example, how would the number of deaths and the number of infected evolve or where would the new outbreaks of the pandemic be “.

The platform calculates the number of ICU beds needed within seven days and analyzes patterns and trends in the evolution of the virus, a fundamental aspect so that health workers can react in time. It also predicts the number of mild hospitalizations, which would allow, for example, to set up a specific hospital for this class of patients.

“The ICUs have not been saturated. The work of the health authorities and the health service has been tremendous. We have all gone out of our way to do this in weeks, ”Uribe-Etxebarría rejoices.

Sherpa.ai develops conversational systems, recommendation, content analysis and detection of fake news and application of artificial intelligence in data privacy.

“We are at the beginning of a new era in which we will coexist with AI. Many times we associate it with futuristic robots, but it is applied in everyday life and has the ability to solve urgent challenges for humanity ”, he argues.

“It is present when we unlock the mobile with the fingerprint or facial recognition, when we pay for parking and the barrier is opened, or in health applications that detect cancers. It is a complement to the human, not a substitute ”.

Francisco Herrera, professor of Computer Science and Artificial Intelligence at the University of Granada, set a simple goal for his work: that anyone, through a simple X-ray, could know if they had covid-19 or not.

To do this, together with the San Cecilio de Granada Clinical Hospital, its team works with a database of hundreds of X-rays, both of sick and healthy patients. A sea of ​​information from which the AI ​​will learn which radiographs correspond to sick patients, and to what degree, to later be able to analyze any new image.

“The hospital began to make a database of images of patients with a positive PCR test performed, thereby guaranteeing the quality of the sample. On the other hand, we had a set of healthy lung contrast, with a guarantee that there was no covid-19, ”Herrera added.

Currently, the model determines by 81% if a patient has coronavirus. The main advantage of the system is that it works with chest x-rays, a rapid test available throughout the health system, something that would improve diagnostic times.

With a CT test, accuracies of more than 90% are obtained, the scientist warns, but it is much more expensive and is only available in large hospitals.

“We want anyone who lives in a town to come to the health center, have an X-ray and that image is analyzed by our system, which will respond with the probability of associated disease,” Herrera details.

“Then the complementary tests will be requested and the relevant protocols will be activated.”

The more radiographs, the professor explains, the better the algorithm’s learning and the better the model’s behavior. Herrera underlines the importance of the quality of the images that feed the base.

“If you take X-rays from different hospitals, the annotations or colors may vary,” he says. “You have to segment the image and keep the part that collects the lungs to avoid any type of noise.”

The project, at the moment, has seven research teams and six associated hospitals. Herrera hopes that other hospitals will join soon.

Asian people waiting for body temperature check before access to building for against epidemic flu covid19 or corona virus from wuhan in office by thermoscan or infrared thermal camera

By now, anyone has passed a temperature control that, in addition, is capable of recognizing the identity of the user and discerning if they are wearing a mask.

These operations are also based on artificial intelligence, a technology that is already widely used to guarantee safety in work centers, shops and public places.

“The algorithms can detect situations that go beyond the pre-established, such as crowds, objects that remain immobile in high traffic areas or even breaches of social distancing,” explains Iñaki San Román, Prosegur’s Artificial Intelligence manager.

The incorporation of AI in the field of security allows security guards to operate with a large number of cameras or alarms.

AI is being joined by another technology: data science, a system that analyzes large volumes of information to predict patterns or failures, a way to, for example, know in advance when alarm peaks will occur at the central station.

In addition to the field of security, there are AI application lines focused on the world of retail with which it is tried to help customers improve their sales.

The Bank That Builds Trust Of Customer

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Apriori, all banks seem the same. After all, most of them offer more or less similar financial products and services. But reality shows that this is not the case.

The latest Customer Satisfaction Benchmarking report , prepared by the independent consulting firm Stiga, concludes that Banco Mediolanum is the one that generates the highest overall satisfaction index among Spanish banking customers: the score reaches 8.35 points out of 10, compared to 7.48 on average obtained by the other 16 banks analyzed.

The study has been carried out since 2012, and examines the banking sector based on the responses of users of financial institutions. In the results of this ranking , Mediolanum has also been the best valued by its clients in nine other categories.

One of the aspects that respondents score the most is the clarity and timeliness with which they receive information about their accounts (8.45 compared to 7.71 for the competition). Another of the issues best valued by clients is the relationship established with their manager, one of the factors that differentiate Banco Mediolanum’s business model.

The entity offers a personalized service to users through its financial advisers, its Family Bankers: specialists who help them plan their savings and investments, based on their needs. This trust relationship translates into a score of 8.83, above the 8.41 for the rest of the entities.

Precisely, customers appreciate trust, as well as transparency and personalization of the entity. They are the so-called intangibles of relation that obtain as a whole an 8.04 compared to 6.79 in the sector.

The same happens with the range of products, commissions and interests that the bank offers its users, a competitive offer that has obtained a score of 7.84, compared to 6.01 for the other banks.

In addition, clients link the Banco Mediolanum brand to values ​​of financial strength and solvency, as it has shown throughout its 38-year history.

Today the bank stands out for a modern image adapted to the new digital times and committed to the advancement of society. Here, it scores an 8.20 versus 7.43 for the competition.

Banco Mediolanum has also been ranked among the best valued banks in internet and mobile banking services ( app and web), which shows the will and commitment to a model that combines the best of technology with personalized financial advice. In fact, the entity closed 2019 with 69% of digital clients and a 77% share of mobile users. Satisfaction with the Telephone Attention Service stands out especially, reaching a score of 8.78.

The sum of all these factors is what makes Banco Mediolanum obtain the best percentage of committed customers, 33.7% compared to 25.9% for the rest of the banking system. People willing to buy or hire products and services again, and to recommend the bank to other people.

Banco Mediolanum obtains the best bank valuation for the treatment received by its financial advisors’ clients.

“The results confirm that our commitment to offer personalized advice supported by a complete multichannel banking service responds to the needs and expectations of savers,” admits Banco Mediolanum’s CEO, Igor Garzesi.

The study endorses, in short, a way of understanding and doing banking that has not changed in almost four decades, and that has generated a climate of trust, closeness and proximity with customers, who recognize the efforts of the entity. A hallmark of quality brand of the house.

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