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7 Best Ways to Protect your Fleet Business Against Financial Risks

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Your business is your lifeline, so you want to ensure your fleet is protected against any financial risks. When choosing your HGV fleet insurance provider, you want a policy that covers you for breakdowns, legal issues, public liability, goods in transit insurance and employer’s liability. You may be thinking that this sounds like a lot to manage, but there are ways to easily manage your insurance policies and keep the price down at the same time.

Implementing a protective maintenance plan is a smart way to drive down your insurance premiums whilst also minimising the financial risk to your business should the worst happen. To form your protection plan, there are a number of steps you can take.

Install Telematics

Telematics technology allows you to monitor information relating to your business fleet vehicles all from a remote central portal. You can access a manager web dashboard to give you a broad overview of any erratic driving, speeding, harsh braking or other dangerous road activity that could cause accident or injury.

This information can be used to improve driver training for best practice so that risk is minimised within your business fleet. This data can also be shared with insurance providers to demonstrate safety measures your business is taking which could lead to a reduction in your HGV fleet insurance premiums.

Introduce driver training courses

By establishing regular driver training courses, you can help reduce the risk of damage to your business vehicles whilst simultaneously lowering your insurance premiums. Drivers who feel confident and skilled-up on their driving ability will be much safer on the roads.

This will not only benefit your business efficiency but reduce potential risk of accidents and claims against your insurance policy. Prioritising driver training will also encourage a company culture of good driver behaviour and encourage high-calibre employees to remain loyal to your business.

Improve security measures

To protect your business from the financial implications of having a vehicle stolen or vandalised, you can make sure they are parked overnight in a secure location. The cost to you would be severe if one or several of your vehicles were stolen, so having a CCTV monitored car park or locked garages will lower the financial risk to you considerably.

You can also install immobilisers inside your vehicles to further reduce the risk of them being broken into and stolen. These security measures will lower your insurance premiums as well as giving you peace of mind.

Make use of dash cams

Dash cams can be fitted to the front and rear of fleet vehicles to record footage from all angles in the event of a road collision. This provides invaluable evidence in the event of claiming against your policy or any possible legal disputes. Not only this, but installing dash cams across your fleet can lower insurance premiums right from the offset.

Using dash cams won’t just keep your business financially secure in the event of an accident, but will also save you pennies in the long run.

Take on more experienced drivers

Employing experienced drivers with clean driving records over the age of 25 can reduce the cost of haulier’s liability insurance for businesses in the UK. Drivers in the over 25 age bracket are considered to be more experienced on the road and therefore safer behind the wheel. Although, this doesn’t mean that hiring younger drivers is out of the question. You can implement measures such as, limiting their mileage or allowing them to only drive accompanied or during day light hours.

All of these things will not only lower the risk of potential costly accidents, but can also lower your fleet insurance premiums.

Maintain regular vehicle maintenance

Keep your vehicles in tip-top condition to reduce the risk of a blown-out tyre or engine fault which could impact your business activity. Having a vehicle stuck in the garage for several days awaiting a major repair is less than ideal, especially when regular maintenance could prevent this from happening altogether. Having a full MOT and service history for your fleet can evidence that you are taking the proper measures to lower risks for insurance providers as well. This can lower the cost of your premiums, whilst also protecting your business from an unexpected mechanics bill.

Getting adequate cover

Another way to protect your business finances is to make sure you are adequately insured. Getting fleet insurance will enable cover on multiple business vehicles under one policy to keep things simple as well as secure. There are multiple layers of cover that you can add on to your policy to make sure you are covered for every scenario. Employer’s liability is compulsory in the UK in the event of an employee becoming injured as a result of their work. This will cover any legal fees, compensations costs including loss of income as well as any medical fees. Skipping out on this would not only leave your business finances vulnerable should the worst happen, but could also land you with some hefty fines so it is essential to make sure this is sorted.

Public liability is an important add on to minimise risk to your business, especially for those working with heavy machinery in the event of causing injury to a member of the public or their property. It will cover medical costs, legal fees and any damage repair costs which would quickly mount up without appropriate cover.

Another add on is goods in transit cover, especially for those business transporting goods for other companies such as, courier service fleets. Should a roadside accident occur and goods become damaged or broken, this will cover the cost of replacing goods. Without goods in transit insurance, replacing a truck-load of goods could be very costly and leave you out of pocket, so it may be worthwhile adding to your policy.

There are many measures you can put in place to minimise financial risks to your fleet business within a protective maintenance plan. Insurance providers reward businesses that use risk management strategies, so don’t miss out on potential savings for your business.

These 7 measures are key to keeping your business fleet financially secure.

Questions Have Raised About The Astrazeneca Vaccine

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The news reached Sarah Gilbert on Saturday night that the COVID-19 vaccine she developed with AstraZeneca seemed to work, but the Oxford University professor hoped for a key number: Was it more than 90 percent effective, as have been others, or less?

Instead, when his colleague Andrew Pollard called with the results, he wanted to show him slides instead of simple figures . “I really didn’t understand why we had to go through slides,” he recalled. “But then it became clear: because it is much more complicated in our test.”

That complexity has led to uncertainty surrounding one of the pioneers along with Pfizer, BioNTech and Moderna in the ‘race’ for a dose to end the pandemic. Questions about the most effective dose of the vaccine, its safety record, and partners’ approach to testing it have cast doubt on whether the US Food and Drug Administration (FDA) will endorse it.

AstraZeneca and Oxford reported the results early Monday after 131 trial participants in the UK and Brazil contracted COVID-19. The average prevention efficacy of 70 percent sounded good , within analyst expectations, and above the 50 percent standard the FDA had set for COVID vaccines.

The study also found 16 serious cases, all among people who received vaccine from AstraZeneca , according to Moncef Slaoui, the exinvestigador of GlaxoSmithKline who runs the program Operation Warp Speed US. It was good news for Astra’s vaccine program that had been on hold for six weeks in that country while regulators reviewed a serious adverse event that the company never gave details about. Oxford will report the details of these adverse events in its efficacy study which it will present for review in the coming weeks.

Shares of AstraZeneca rose as much as 2.4 percent early Tuesday morning in London after falling 3.8 percent on Monday.

The puzzling part of Astra’s results was that the larger doses were less effective. The vaccine was only 62 percent effective in a group that received two full doses about a month apart, but among about 2,700 people who received a half dose followed by a full one , the effectiveness rose to 90 percent.

Positive data from another vaccine of substantial efficacy with potential advantages in storage, transportation and affordability will be welcome , said Jesse Goodman, a former chief of the FDA’s office of vaccines who later became the agency’s chief scientist.

“What is not yet clear is whether this effect is a chance observation or reflects that the higher dose can negatively affect the immune response ,” he said in an interview. “We need more details to begin to understand it.”

Geoffrey Porges, an analyst at SVB Leerink, was among the most critical voices, calling the data “premature and insufficient” in a note to clients and predicting that the vaccine would “never be licensed in the US.”

Arm yourself with patience
AstraZeneca and Oxford are conducting trials of the vaccine in different parts of the world , and are currently only studying two full doses of the dose in their US study, which is expected to include 30,000 volunteers. But the company is still recruiting participants and could add another analysis for further studies of the half-dose regimen, explained Ruud Dobber, executive vice president and president of biopharmaceuticals at AstraZeneca.

“Let’s be a little more patient and see how the FDA reacts before making such harsh statements,” he said in an interview with Bloomberg TV .

The UK Medicines and Healthcare Products Regulatory Agency has already started its analysis based on the data it has received in ongoing review, Chief Executive June Raine said in a statement.

It may interest you: Why the AstraZeneca vaccine, which will be packaged in Mexico, may be the best option?

Low- and middle-income nations are looking to the injection, priced much lower than Pfizer and Moderna, as a way out of the pandemic. The lower efficacy number of the two full-dose regimens reached the World Health Organization benchmark, according to chief scientist Soumya Swaminathan.

Still, Swaminathan warned in an interview Tuesday with Bloomberg Television that more comprehensive data is needed to understand possible discrepancies between doses.

“We really need to wait for bigger numbers, longer follow-up, to see if these differences really continue into the future,” he said.

That a lower dose produced a better result left even Gilbert scratching his head . The researchers tested a starting half-dose regimen to find the smallest amount that could still elicit a strong immune response , Gilbert said, not to increase effectiveness.

“I was surprised,” he said in an interview. “I really didn’t expect that.”

Its superiority over two full doses could be good news, as it would allow the company to perform more inoculations with the same total volume of vaccine . That could be important with the need to vaccinate billions of people around the world.

The vaccine uses a harmless chimpanzee adenovirus , the cause of some common colds, as a vector that is then inserted with the coronavirus spike protein to elicit an immune response.

What could have caused these results?
In theory, it is possible that a full initial dose raised antibodies against the adenovirus vector itself, which could have limited the immune response to the peak protein of the SARS-CoV-2 virus, Gilbert said, but his team measured antibodies against it. adenovirus in previous studies and found only a small effect.

“I’m not really sure if that’s the complete answer. We’ll look into it a bit more, but it may be a bit more subtle in terms of inducing a high-quality immune response by giving just the right amount of vaccine antigen in the first dose and then expanding it with the second dose, “he added.

One possible explanation for the variable results is that the lower starting dose does a better job of breaking through the body’s defenses , allowing the vaccine to infect cells and create the immune response, said Michael Kinch, an expert in drug development and Associate Vice Chancellor at Washington University in St. Louis.

Another theoretical reason is more complex: the immune system can become immune to the initial high dose of vaccine and then ignore the subsequent dose, a phenomenon known as immune tolerance or desensitization. Either one would have the potential to mitigate the effects of the vaccine.

“The 90 percent number may ultimately prove correct,” Kinch said, “but the dose-response reversal could be a sign of concern.”

The Oxford team is still analyzing their data to better understand how the vaccine works. Gilbert noted that he is confident that the higher efficiency number will stick around as more data arrives.

“It could go up or down a bit,” he said. “I don’t think it’s going to change massively, but it may differ from that initial 90 percent in either direction when we get to a little bigger analysis.”

What is Ad Fraud and How Proxies Can Detect It?

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The success of any business, no matter how big or small it may be, depends mainly on marketing. Today, most marketing is done online using various methods to spread the word about a brand, product, or service. One of the most effective methods is using ads to generate leads.

However, if you’re not careful when placing ads and don’t verify them once they are live, hackers can track your location and steal traffic generated by the ads you placed. Using proxies for ad verification can help you improve security features and ensure each click leads to your website’s landing page.

Keep reading, and we’ll tell you how ad verification works and why you need a good proxy.

What Are Ad Frauds?

Ad fraud is a severe problem for many business owners all over the globe. It’s a method used by hackers who steal the original traffic from an ad and replace it with fake traffic made by bots. The practice is very counterproductive for the ad owner.

Not only are they not getting the traffic they paid for, but their brand is also in danger as all the people who did click it land far from where they were expecting.

Once the damage is done, it can be really hard, sometimes impossible, to rebuild your brand identity and make people trust your offers once again. If that’s not bad enough, you might be forced to pay larger amounts for the ads you place in the future. That’s why ad verification is a must.

Ad Verification

Ad verification is a process that blocks hackers from stealing traffic. By using proxies, you can navigate to the ads you placed as a regular user. Instead of leaving your original IP address hackers can identify, you will view the ad as a random user from another location.

Proxies will switch your address with another one, making it much harder for hackers to track you down. This process is crucial if you want to make sure that your ads are behaving as expected.

Benefits of Ad Verification

Naturally, ad verification provides a few critical benefits that will protect your brand’s identity and ensure you get the clicks you paid for. First and foremost, ad verification can help you identify fraudulent ads, and eliminate auto-redirections, phishing, inappropriate ads, and so on.

It will also help you understand your audience better by knowing where every click comes from. That will provide you with useful information you can use to target the audience better in the future. However, the most significant benefit of using proxies to verify ads is the ability to see if anyone else is meddling with your posts without being seen.

Since you will appear as a regular user from another state or country, hackers won’t know that you know what they are doing. If your ads turn out to work normally, you’re in the clear, but if you do see some suspicious activities, you can remove the ads and eliminate the threat.

Proxies for Ad Verification

There are many different types of proxies, each with a specific use, but they all share the same goal – protecting your privacy every time you go online. They can also help you improve security features for every ad you place and make it much harder for hackers to steal your traffic and impression shares. Be aware that this process is not a one-time deal.

You’ll have to go back to your ads and check them regularly to make sure that no one is stealing your data. One thing is for sure, proxies for ad verification are a must if you want to survive in the unforgiving world of online marketing.

Benefits of Using Proxies

Proxies act as a filter between your device and the internet. Every time you send a request to connect online, the proxy will identify your IP address and replace it with another one located far away from your original location. In other words, it will make your connections anonymous, making it impossible for hackers to track you down and steal your data.

Apart from browsing the internet safely, proxies can also help you work around geo-restrictions, improve your connection speed, and block all suspicious websites before you can even open them. They provide multiple layers of protection, completely minimising the chances for cybercrime.

Residential Proxies Are the Best Option

When it comes to ad verification, residential proxies are the best option. They are specially designed proxies that can help you detect ad fraud, improve the performance of each campaign, and see what your competitors are doing without being seen. Residential proxies offer a massive database of real IP addresses, making it impossible for hackers or anyone else to track your online activities. While there are many service providers, make sure to do proper research and choose a reliable one (like Oxylabs). They will help you to select the right proxies for your business needs.

Conclusion

Even though internet security features keep improving every year, the number of cybercrimes is growing steadily. Criminals keep finding new methods of stealing information, so you must use everything you can to protect your assets and sensitive information.

Proxies present one of the most effective ways to do that, and you need one if you plan on posting ads and protecting your business identity.

The 3 Most Important Questions to Ask Before If and When You Stop and Ask for the Business by Sofiya Machulskaya

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There are many times when I speak to students or clients about establishing business relationships, especially financial ventures and I have their attention of them constantly. At one point, I want them to ask the question, “If you had your entire business going today and no-one bankruptity or losing the ability to work because of an illness, how would your business be?” asks Sofiya Machulskaya.

Sometimes they estimate that they will be unable to get paid for their life insurance, leanings or supplements and this keeps them trapped in financial traps that are not attractive to most customers. At other times, they tell me about a family member and/or friend who was fired for poor work performance and now they are also trapped as they can pay their own premium or personal event insurance with the person’s personal insurance policy. No wonder business relationships aren’t what they need to be.

I mention this question because I have seen many small business owners and executives in this position I refer to as trapped. Although I never actually asked them if this term describes them, as I believe my students and clients could look at their business like I do for them.

Typically, in an established business relationship business owner and employee have a personal relationship, one that is strictly professional, one that adds value and is relatively good at solving my problems. Initially, the person represents a huge value; they overcome all my benchmarks and specifications and meets some objective of a successful business relationship. During the time, however, I constantly have to spend more time and effort NOT to let the person slip away. There is often a great deal of frustration, anxiety and worry because it is clear that my relationship is NOT as good as it used to be.

Before anyone wants to say “That’s not the way life is”, stop and ask yourself if you have chosen a good business partner. Have you put into practice the following three simple questions that will aid you in deciding if a person has the skills to keep your business relationship in the “good driver” range.

After answering all these questions:

If you arrive at the conclusion your relationship is ONLY at the “good driver” or “great driver” stage how do you proceed to either mitigate or remove the uncertainty and begins to move towards your goal of a mutually beneficial business relationship explains Sofiya Machulskaya.

If I have chosen the best partner…is there a remote possibility that they will actually want to close a deal with me? If the answer is no, ask yourself what you can do to make this relationship mutually beneficial and take the necessary steps to reduce the anxiety and intensity of the situation.

Have I asked for a 60% reduction in my business insurance rate during the next sixty days that I will stick to? If the answer is no I must ask myself why? What needs to be done to achieve improved or at least efficient business relationship?

If any of these questions are answered with a resounding “No of course” please ask yourself another one. If you have answeredallof these questions with agreement, operate in a business partnership and stick with it! There is nothing worse than someone developing an expectation that you will NEVER budge when it seems like a relationship is going nowhere. Once the relationship is going down the road you can now move on to the other two main reasons why business partnerships don’t or don’t work out.

The first is that you have chosen a “self partner” and not a “partner owner”.

I have been most successful in business when I have found a John Assum who is willing to give 100% to the John Assum’s idea and not take anything for himself for years, years! I would have eventually developed an expectation that it will take me way too long to ever be able to do anything. It was great in the beginning because I could proudly tell the world I had created a relationship that was the envy of the industry much to my surprise I never even had to tell my family and my friends. That death-defying feeling of success has now been replaced by feelings of feelings of negligent partners, dishonest partners and picked dominoes!

I must be realistic and admit the risk is a little high having partners who are “self-extended” but in my opinion I have found if I have a John Assum or John Assum Big Fish who don’t care, who refuse to grow and change, who are out to hurt anyone, which consists of your John Assum and your John Assum Big Fish of course I must look out for myself. On the other extreme, I have found that many seemingly “self-improvement” gurus/teachers, despite the best of intentions are actually someone who is most likely a perpetually poor or a “self-improvement” guru/teacher and who operates out of spite and destruction of the self vs personal growth of the person/team.

Can Playing Games Improve Your Business Acumen?

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Games can be a great credit to your business acumen.

Whether it’s new skills or a fresh perspective on any dilemmas in your personal or professional life, there’s a lot to learn from the pixels onscreen.

Today, the consensus around games is becoming more positive with every passing day. It’s now an industry making billions upon billions, and it’s undoubtedly a permanent part of cultures around the globe. At this point, any businessperson worth their salt would sit up and take notice.

How has this been done?

Consequently, it’s worth thinking about games in a new light, and how they can flesh out your business acumen.

Learn To Make Quick Decisions About How To Spend Your Time

There’s a multitude of games to play out there, but time is money if you’re leading your own venture.

As such, you need a quick way to sift your way through the range of choices available to you. There’s only one way to do this; through business reviews. There’s a lesson behind every impression.

For example, if you want a comprehensive list of all the best online casinos to dabble in, visit onlinecasinos.co.uk. They list all the best of their kind out there, prioritising the safety of their readers while keeping fun factors in mind also. If people look out for each other here, then everyone can gamble with safe and responsible peers and friends without any trepidations. These reviews are not about gloating or boasting – they’re referrals are tailored with fairness and ethics in mind. 

The reviews of games can not only save you time but teach you the importance of your own reputation. People’s assessment of your business can boost customer interaction, enhance your credibility, build trust, and legitimise you in whatever market or industry you’re working. They also put customers at ease and give them peace of mind.

What do you look for as a reader of a review, and how can you feed those desires into your own business? If a quick review can help you enjoy the best games out there in a flash, imagine the power they could have over your company.

Get Transferable Skills

Running a business requires no end of problem-solving skills, and a whole host of others too.

Of course, most games make similar demands for the player to succeed. This is where the endless series of transferable skills come into effect between work and play, improving things like reaction times, teamworking, and how you assimilate information. In many corporate circles, such talents are invaluable, and carry many companies into a prosperous future.

In 2017, a University of Glasgow trial also found that video games improved communication, resourcefulness, and adaptability skills, which further illustrates just how impactful these types of mediums can be. Even online casinos encourage strategic thinking, analytical skills, and smart risk-taking. A CEO and a gamer largely have the same mindset, all that changes is what these skills are focused upon. 

If you’re in the position of hiring any young graduates, it is a good idea to ask them about the types of games they enjoy. It will put many of them at ease and increase the likelihood of them warming to the interview process, while also giving you the chance to discern their interests and what abilities they like to fine tune through these mediums. It’s a perfect question that will make a candidate lower their guard, which is the perfect time to gauge who they really are once their front is peeled back.   

Looking beneath the surface of any person or situation can be incredibly rewarding for your firm Anything that keeps wits sharp is to be commended, so keep that in mind and think outside the box when moving forward. You might tap into something other employers have missed, and bag key talent the ignorant would snub.

Cool Narratives and Imagery

There are transferable skills between the game and the worker, but there are also similarities at play between games and business in general.

After all, games are derived from businesses, so many of the same thought processes are applied to their creation too. They’re not silly little things – they’re products.

For example, there are many virtues in video game storytelling that are also present in marketing and advertising. Writing styles, setting a tone, selling experiences, articulating a journey – these are all things that are ever-present in both spheres. After all, games are an art form and a creative medium, and the absolute best of them have no problems drawing players into different worlds and ways of thinking. That too, is what marketing and advertising should achieve, to a point!

How does the game use graphics and imagery to develop an atmosphere? What do the fonts and colours communicate? How do iconic game characters serve as effective mascots for a brand? There’s a lot for you to analyse here that can be applied to your own business. What seems like fun and funky designs made on a whim are precisely contrived, so don’t underestimate their power!

Relax and Reset

It might seem redundant to say that games are fun, but it’s a point that cannot be overlooked.

The world of work is incredibly stressful for all, regardless of whether you’re a CEO or a shelf stacker. Most people put 100% into the job they have, and work tirelessly to appease their ambition or to make ends meet.

Anything that helps people unwind and get through the hard times will, inevitably, improve their work performance moving forward. Under lockdown the use of video games has skyrocketed, with more players than ever flocking to their machines to put the real world on pause briefly. You can only be productive in work after you’ve used your breaks well, and games will help your mind and soul reset in times of need.

Tapping into this with your workforce shows that you understand them on a personal level also. Consoles in break rooms, sharing poker anecdotes, or having quick discussions about Fantasy Football leagues with colleagues – it all unites and relaxes people and helps them find common ground. Positive working relationships will follow soon after.

Conclusion

There’s a lot to be learnt and enjoyed from games of all kinds. Tapping into all their benefits, and the skills they can help players develop, will no doubt be a savvy business decision. After all, their industry must be doing something right if they’re earning jaw dropping amounts of money. Give them a try; at best you’ll garner a fresh perspective on business, and at worst you’ll have fun and unwind. What is there to lose?

The Biggest Summer Transfers in the Premier League

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The 2020/21 transfer window was by no means a record-breaking one, but it still offered exciting action for most of the teams. Chelsea were by far the most active outfit out there, but it is quite reasonable because the ban forced them out of the market in the last couple of windows.

Overall, the teams spent €1,447,546,800 in total. Although the number of arrivals is bigger than the number of departures by only 21, the Premier League teams earned much less money for selling their players (€443,843,170).

With ten gameweeks behind us, we feel this is a great time to evaluate the moves made by the elite clubs in England. We are going to analyze the impact some of the most expensive signings have made so far in the campaign. Were they worth all the money invested?

Chelsea

The Blues were the stars of the 2020/21 summer transfer window without a doubt, as confirmed by the experts at betting tips 4 you. Chelsea hold as many as five of the top 25 most expensive moves. The list includes three of the top four overall.

Kai Havertz was the most expensive newcomer to the Premier League last summer. He arrived at Stamford Bridge from Bayer Leverkusen in an €80 million move. He was followed by fellow compatriot Timo Werner and Ben Chilwell who came for €53m and €50.2m respectively. The aforementioned top 25 Premier League transfer list is completed by two more Chelsea assets, Hakim Ziyech, whose €40m move from Ajax puts him at the 8th place overall, and Edouard Mendy. The latter came as a genuine saviour from Ligue 1 side Rennes in a €24 million move. Mendy has been just fabulous as he completely turned Chelsea’s fortunes around since taking over out-of-form Kepa Arrizabalaga between the posts.

Overall, Chelsea’s game has improved drastically with all these arrivals even though we feel there is much more to come from this group of players. Frank Lampard is yet to field his strongest line-up possible. Christian Pulisic only features three matches and got injured again, Ziyech missed the opening four games, while Havertz played just seven so far.

Nevertheless, each of the aforementioned players has already shown fantastic prospects. Werner bagged four goals and two assists in nine outings, Ziyech notched a goal and three assists in just five matches, Chilwell scored a couple of goals and assists apiece in six games, while Havertz contributed with a goal and an assist each in seven appearances.

Chelsea are genuine title contenders with this squad.

Manchester City

While they haven’t been as active as usual, Manchester City still hold three of the top 25 Premier League transfers. Pep Guardiola decided to strengthen his back line by signing a couple of centre-backs in the likes of Ruben Dias and Nathan Ake. The 23-year-old Portuguese talent came from Benfica in a €68 million deal, marking the second biggest summer transfer in the whole league. Ake was by no means cheap either as he left the relegated Bournemouth side for €45.3 million. Finally, there is Ferran Torres who came to Etihad from Valencia in a €23 million move.

Ruben Dias is nailed on the centre-back spot as he made six appearances, while Ake will likely have to battle for his spot in the team’s strongest XI with the like of Aymeric Laporte. Surprisingly, the 20-year-old Ferran Torres has already made six Premier League appearances. He has been particularly impressive in the UEFA Champions League where the former Valencia winger notched a goal in each of Man City’s three opening fixtures.  Nonetheless, Pep Guardiola will likely have to be more active in the winter window in an attempt to strengthen his attacking line considering the Citizens’ relatively modest kick-off to the new campaign. 

Arsenal

Next up the Gunners (who would think so?). They gave €50 million for Thomas Partey and €26 million for Gabriel. While these transfers did make an impact on the team’s defensive displays as Arsenal have the joint-second-best defensive record in the division, the team is struggling badly to perform at the opposite end. Mikel Arteta’s troops hold a disappointing 12th position having only scored nine goals in nine games. Pierre-Emerick Aubameyang and Alexandre Lacazette are miles away from their best form, while the youngsters are failing to step up either. 

Liverpool

The reigning champions made only three significant transfers last summer, one of which is in the top 25 in the league. Jurgen Klopp brought a player to three different parts of the pitch by signing Diogo Jota, Thiago, and Konstantinos Tsimikas.

Jota, who was destined to be benched when he came in from Wolves, took advantage of every single second on the pitch. He notched four Premier League goals in seven appearances, usually coming on as a sub in the process. His stellar showings forced Klopp to even shift his usual formation and play an unordinary 4-2-4 style with Jota, Salah, Mane, and Firmino all on the pitch at the same time.

Thiago Alcantara has been struggling with injuries at the start of the season, while Tsimikas is yet to make a league debut in the new shirt.

The rest of the crew

We will complete the list of the top 25 Premier League transfers with the following likes:

  • Fabio Silva and Nelson Semedo – The Portuguese duo signed by Wolves (was not hard to guess, right) in a massive €40 & €30 million deals brought distinct impacts. Porto’s teenager is yet to deliver (made just four appearances), while Semedo is a standard right wing-back for Nuno Espirito Santo.  
  • Donny van de Beek – The former Ajax midfielder looked like a phenomenal addition to the Manchester United squad, but he has been struggling to get minutes under Ole-Gunnar Solskjaer so far in the season. He made six appearances and notched a goal in the process.
  • Wesley Fofana and Timothy Castagne – Leicester strengthened their back line with a pair of exciting prospects in the likes of Fofana and Castagne who arrived for €35m and €24m respectively.
  • Sergio Reguilon, Giovani Lo Celso, and Gareth Bale – Although Bale is not in the top 25 league transfers, we had to mention him as a massive boost to Spurs’ potential title ambitions.
  • Ollie Watkins – Ollie almost brought Brentford to the elite last season. He got off to a fabulous start for Aston Villa in this campaign.
  • Rodrigo – Leeds showed high ambitions by adding Rodrigo to Patrick Bamford in the attacking line
  • Ben Godfrey, Allan, and James Rodriguez – Although the latter left a much better impression so far, it was Godfrey’s move from Norwich and Allan’s transfer from Napoli that earned Everton a spot in this Top 25 list.
  • Rhian Brewster – Last but not least, Sheffield United broke the club record by signing Liverpool’s young forward Rhian Brewster in a €26 million deal.

If you want to check the latest betting picks, visit www.bettingtips4you.com.

The Best Christmas Gift Idea for a Girlfriend

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Have you already settled on a Christmas gift idea for a girlfriend? If not, you could certainly benefit from the ideas suggested here.

Christmas comes and goes, but one specific problem remains. It’s the issue regarding finding the most precious gift for the most precious person in your life. If you are a man reading this, you would know how difficult it is to find something that she will not only like, but also cherish forever.

Of course, the most straightforward way men take to please their girlfriends is to buy them some jewellery. Anyhow, doesn’t Christmas ask for something different, something that hasn’t been tried and tested already? Don’t worry, if that’s the case, you can still do with some jewellery as the best Christmas gift ideas for a girlfriend as long as you put in the work to find a truly unique piece.

Christmas Gift Idea for Girlfriend

When it comes to jewellery, the options are in abundance. As you are looking for something this Christmas, start by choosing some of the most renowned jewellery brands, preferable Italian. That way, it would be reasonable to find many unique collections in every type of jewellery.

For example, a modern Italian jewellery brand, like Nomination, offers many different collections made in gold, silver, stainless steel, etc. What makes them unique is their use of modern detailing and precious gemstones. Anyways, once you know your preferred brands, you can then dive deep into their offerings.

Necklaces: Being relatively bigger in size, and more expensive in prices necklaces are always a special gift to give to your girlfriend. For Christmas, make it extra special with a pendant or adornments shaped like the first initial of her name. You can also opt for the usual heart-shaped, cross-shaped, or star-shaped pendants if you please.

Earrings: Earrings comes in all sizes and shapes, either in simplistic design or with intricate detailing. Rhodium or sterling silver earrings can easily wow your girlfriend, especially if it’s a trendy design with gemstones or charms. There are also earrings with personalised pendants.

Bracelets: Bracelets are perhaps the most versatile piece of jewellery. Therefore, it can be wonderful as a gift for every occasion including Christmas. Thanks to some innovative designs, there are now bracelets every link of which are detachable. This feature makes them really unique, as you detach and attach each of the links as you please, creating new compositions every time.

Make It Extra Special with Engravings

Whether it’s necklaces, bracelets, or earrings you can make your Christmas gift idea for girlfriend a little more special by inscribing a message of love or the name of the receptor right into the design of your preferred jewellery. Handcrafted engravings offer incredible prestige for the wearer, while a personal name or curated message can make it truly unique and customised. With some jewellers, you can easily order an engraving by giving them the message or the name and then selecting the fonts and the sizes.

What ways can someone use inheritance money?

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In a society where many of us are living month to month on our current pay cheques and salaries, coming into a lump sum of money can be a very much welcome shock to the system. Say you’ve recently inherited a windfall figure, your mind is no doubt racing with possibilities of what to do with it, from the blandest, most responsible ideas to ever exist right through to the most lavish and exorbitant spends.

Who do you listen to – the devil on your left shoulder or the angel on your right? That very much depends on your circumstances – your current financial state, the stage of life you’re at, the responsibilities you have and your plans and goals moving forward. All are tremendously important factors in defining the best move for your money and thinking on them carefully will likely lead you to place your money into one of these five groupings.

Pay off your debts

It’s probably best to start with the most boring, most miserable but arguably most important one, and that’s clearing any debt from your name.

Unfortunately, debt is a fundamental part of modern life for the average British citizen. Between us all, we owe a cool £1,684 billion in personal debt, with the average arrears per household sitting at £60,526 and £31,972 per adult (as of August 2020). With the cost of living and the housing market tougher to get on terms with than ever before, embracing debt has become the accepted method of getting by for many. It does, however, leave a rather dark cloud hanging over us, and one that needs to be cleared as soon as possible.

If you have debts to you name, especially ones that are accumulating as time draws on, your money is best spent getting rid of them. Despite it being a bit of a “nothing’s changed” spend, you’ll find it opens doors for you immediately by freeing up more of your earnings, improving your credit score and, arguably most importantly, removing the mental weight from your day to day life.

Invest in one of life’s big purchases

You may be strapped down financially by some of life’s bigger purchases i.e. a house, a car, wedding payments – all of which can lead to being in the sort of situation already mentioned. If you’re weren’t quite there yet but saving for something along those lines, your money could enable you to enter the housing market, buy a car or organise that dream wedding in a much more financially comfortable manner than you previously anticipated.

Inheritance money is often left with this sort of intention – to give you a key foothold in life that you were previously were unable to reach, so you’d be hard pressed to find a better option that to drop the money into a fundamental life improvement like this.

Invest in the future

While there’s always the option to save, there’s also the option to not rest on your laurels and try to grow the money you’ve received. At the very least, you shouldn’t be leaving your money dormant in a non-specified bank account, instead looking to build your funds through investment into an ISA allowance or a lifetime pension scheme.

Then there’s the next step – investing in an active market, such as property (buy-to-let if your budget stretches far enough) or learning, with absolute caution, to trade and grow via financial markets. These are steps that are not to be taken lightly and require your active participation – where the latter is concerned you’d want to start off using a forex demo account or similar to get to grips with potentially lucrative markets before your money is actually on the line.

Of course, where there is risk, there are greater rewards, so investing your money, if you know where and when to do so, could be the best bet for those looking to maximise their windfall in the long term.

Do the thing you always wanted to do

Perhaps you’re doing OK for money and you’re already set on the more boring stuff like the house and bills. Perhaps you’re just a live in the moment type. If so, then there is the option to spend your money on the ultimate trip, the dream car, an unforgettable life experience – whatever your dreams are made of, really.

Of course, this is far from the most sensible thing you can do in terms of investing the money, but that may not be your priority and that’s more than fair enough. We do spend most of our time chasing money in order to better our lives and be happy, so by that logic what better way to spend it than on something that will make you truly happy?

Life is for living, after all – perhaps it’s easy to forget that sometimes. Just make sure you have your other financial ducks in order before you blow the money.

Think of others

Ask people the hypothetical “what would you do if you won the lottery?” question, and you’ll find the first concern for many is how they’d divide up their winnings between their family and friends. Now, you’re probably not coming into a few million quid, but you may have that same desire to see your nearest and dearest better off before anything else, especially if you know the money could be more important to them. The same goes for giving to charity – you may value philanthropy as your biggest priority going forward.

That is, of course, a highly personal decision, and again one that very much depends on your circumstances. If you do choose to go down that route, you’ll certainly have the satisfaction of making an honourable and inarguably sound investment, even if it wasn’t for yourself.

So, five rather different routes of inheritance investment ranging from the super-sensible to full YOLO mentality. Remember, it’s down to you to assess your financial situation, your current responsibilities and your future and make a call from there. Whatever you choose to do, make sure it bears fruit for you down the line.

#Legal Talks- Easy Tips For Changing Your Legal Name

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Our name is one of the first gifts we receive from our parents and elders. We have to accept it and live with that name. Unless one decides they want to change their name. But why will anyone want to change their name anyway? There are many reasons. 

Maybe they dislike their name. One of the main reasons why many people choose to change their legal tag is because they dislike it. A person’s name can remind them of a painful past. Like, after divorce, changing back to old surnames. People also change their names to honor someone/something or spread a message. Same -Gender marriage is not legal everywhere. So, some couples started changing their name to the same surname. Trans change their name to masculine, feminine, or something which defines their sexuality. 

People say what’s in the name, yet, this name affects our daily lives. The name speaks a lot about the person. Someone who only knows your name may form an opinion about you without even knowing you. A person’s name can inspire them to do great things in life. After changing their name, when people look at their past selves, they see a different person. With a new name, one gets the chance to be a new person. 

#1 But how can one change their name? 

Changing your name sounds like a difficult task, but it’s just paperwork and does not take too long. There are different ways of changing your name. Continue reading to learn how you can change your name, but before that, you need to know about conditions related to the name change. 

#2 Prepare, Prepare, Prepare!

Be mentally prepared. Getting a new name may cause anxiety because sometimes it feels like turning into a new person and leaving your old self behind. If you don’t like it, then don’t proceed with the name changing. Put some thought and talk with your parents and friends before making the decision. 

Before legally changing your name, ask your family and friends to start calling you by your new name. By doing this, you will get used to it and know whether you like it or not. 

Although you can choose whatever name you like, select a name that won’t offend people and isn’t racist. Also, if you are trying to change your name to escape any debt or criminal liability, then you can’t change your name. 

If you aren’t the legal age, then you would need your parent’s or guardian’s permission to change your name legally. Adults don’t require anybody’s permission to change their name. 

#3 Courts 

You can have your name changed by visiting your nearest court. Your country or state can have different laws regarding the name change. So, visit your local court to get legal information. Many countries like the United Kingdom, Australia, and others use a deed poll to change names. Using a deed poll, both an adult or a kid can change their name legally. It won’t take much time or effort.

#4 Update Documents

There are some things you must do after changing your name. You should update your new name at all official places like banks, offices, schools, Social Security Administration, passport office, post office, and other locations. 

Conclusion

Now that you have changed your name – Don’t forget to tell your friends, colleagues, and classmates about your new name. Getting used to the new name will take time, but it is a fun experience! Although it takes a lot of planning, changing your identity is an extremely rewarding process. Everyone must try it at least once! Let us know if these tips helped you.

Happy name hunting!

Inflation Stands At 3.44% In The First Half Of November

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The National Consumer Price Index (INPC) registered a variation of 3.44 percent in the first half of November compared to the same period last year, the National Institute of Statistics and Geography (Inegi) reported on Tuesday .

This figure represented its lowest level since the first half of June of this year , when it stood at 3.17 percent.

Thus, inflation returned to the target range set by Banco de México (3 percent, +/- one percentage point).

The underlying price index , which is the one that excludes products with high price volatility from its accounting, had an annual variation of 3.68 percent, which represented its lowest level since the first half of June, whose data was 3.66 percent.

In its interior, the prices of services were located at 2.25 percent at an annual rate, which presented its highest record since the second half of March 2016, on that occasion it was 2.18 percent.

The rise in merchandise prices was 5 percent at an annual rate, its lowest level since the second half of June, when it stood at 4.88 percent.

Meanwhile, the non-core balance , which accounts for products that present high volatility in their prices, such as agricultural products or fuels, increased to 2.67 percent.

This is its smallest rise since the first half of June, when it rose 1.63 percent.

In a disaggregated manner , the prices of agricultural products were located at 7.62 percent, while those of energy and tariffs authorized by the government presented a deflation of 0.85 percent, this compared to the same period last year.

As for the price index of the minimum consumption basket, it registered a rise of 0.11 percent every two weeks and 3.61 percent annually.

In its monthly comparison, inflation had a variation of 0.04 percent.

Electricity and professional services prices rise
The products that increased the most in price and that had a greater impact on inflation during the first half of September were electricity (22.74 percent); professional services (9.58 percent); egg (2.62 percent) and chicken (1.91 percent).

The products that presented a reduction in their costs were the tomato (13.38 percent); lemon (10.88 percent); zucchini (9.31 percent) and avocado (6.09 percent).

By state, those with the highest price increase were Sonora (3.64 percent); Sinaloa (2.91 percent); Baja California Sur (2.2 percent) and Baja California (1.83 percent).

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