Home Blog Page 714

If you go to Valencia, Spain you can’t miss these places

0

Situated on Spain’s east coast, in a dreamy seaside setting, Valencia has so much to offer. This Mediterranean port city is the third-largest city in Spain, and it has everything you need to experience a slice of Spanish life. There’s plenty to do to suit budgets of all sizes. 

Whether you’re staying in a luxury five-star hotel, or in a hostel to save money in the travel with friends, this vibrant city has it all. From world-class restaurants and stunning beaches to grand museums and lively nightlife, you’re sure to have an unforgettable experience in Valencia. 

Valencia is bursting with history and cultural heritage, as it was once the old capital of the Kingdom of Valencia. There are some outstanding historic monuments situated throughout the city, such as the 14-century Torres de Serranos and the 18th-century Marquise Palace. But, Valencia also has plenty of modern sights to see too. The contemporary Modern Art Institute, along with the City of Arts and Sciences, immerse travellers into a new age of art and scientist discovery.

Whatever you’re looking for in a city break, you’ll also find some unforgettable cultural experiences that are all Valencia’s own. Here’s our guide to the places you just can’t miss out on.

Torres de Serranos

This impressive landmark is regarded as a symbol of Valencia. Situated where Valencia’s Old City gives way to the Turia gardens, the Torres de Serranos is a former gateway through the ancient city wall, ‘la Muralla Cristiana.’ The town ramparts were built in the 14th century on top of old Roman foundations, and in 1930, they were restored to their former glory. These historic towers can be explored, and make for stunning views (perfect for photos) of Valencia’s cityscape. 

Palacio del Marqués de Dos Aguas (Marquise Palace)

The Palacio del Marqués de Dos Aguas is a stunning 18th-century aristocratic mansion that is renowned for its decorated facade and ornately carved alabaster doorway. This palace now hosts the National Ceramic Museum that opened in 1947, which contains more than 5,000 examples of traditional Valencian pottery. 

The Marquise Palace also has other interesting ceramic items on display, such as ancient Greek, Roman and Arab pottery, Porcelain from Japan and China, and more modern pieces from the likes of Picasso. One of the main sights in the Palace is a fully-equipped 19th-century Valencian Kitchen featuring traditional tiles. The Marquise Palace is not only a sight to see on the outside, but there’s plenty of interesting items inside to view for pottery enthusiasts.

Turia Park

Not only is Turia Park, or Jardines del Turia, one of Spain’s largest urban parks, but it’s also not your average city park. Turia Park, Valencia was a former riverbed that has been converted into a green space full of footpaths, playgrounds, sports facilities and picnic spots. 

Turia Park snakes its way through Valencia’s city centre, all the way from the Bioparc to the City of Arts and Sciences, and then on towards the Meditteranean Sea. Crossed by 18 bridges full of history, it also passes by lots of main museums and historical sites, such as the Torres de Serranos on either bank. If you want to know the park’s opening hours, and how to get there, VisitValencia has plenty of useful information on their website.

Ciudad de las Artes y las Ciencias

If you want to experience cutting-edge art and science, then the City of Arts and Sciences is the place to visit. This futuristic complex on the outskirts of Valencia is one of Europe’s most impressive centres, and it is solely dedicated to cultural and scientific conferences, workshops and exhibitions. 

The buildings in the City of Arts and Sciences are stunning examples of architecture themselves, that were designed by architects Santiago Calatrava and Félix Candela. In the complex, you can find the Hemisfèric IMAX Cinema, the Umbracle landscaped area, the Príncipe Felipe Science Museum, the Oceanogràfic aquarium, the Reina Sofía opera house and the Agora concert space. All of which are guaranteed to keep arts and science fans entertained for hours.

La Lonja de la Seda

La Lonja de la Seda is a magnificent Medieval structure that was built in the 15th century to house Valencia’s Silk Exchange, the marketplace where Valencian silk was traded to be sold all over Europe. Today, it is one of the city’s main attractions and is famously one of the very few non-religious examples of Gothic architecture across the continent.  

Visitors can climb the 144 stone steps of the tower’s helical staircase, and from the top, the views of the city are stunning. It’s no surprise that La Lonja de la Seda is deservedly a UNESCO World Heritage Site.

Institut Valencia d’Art Moderne

The Valencia Institute of Modern Art is housed in a futuristic Space-Age building that is dedicated to the art of the 20th century. When it first opened in 1989 it was Spain’s first modern art museum. Now it’s permanent collection focuses on Catalan iron-work sculptor Julio González, with almost 400 pieces housed in the Institute. The museum also boasts hundreds of other works from world-famous 20th-century artists. Besides art, a hidden historical gem can be found in an underground room of the Institute, which reveals ruins of Valencia’s medieval city wall that were uncovered during the museum’s construction.

Choosing the Best Business Phone Offering Strong Data Protection

0

Choosing the right phone for your business may feel like a bit of a nightmare. You not only have to consider the performance quality of your phone, but you also need to have one that is data secure. Penalties for data breaches are no fun and potentially could cost your business dearly.

It would be best if you had a phone for your business. At some point, clients and customers will want to contact you, and urgent matters arise from time to time. Such is the nature of business.

As such, the choice of phone is important. You need one that can perform in all the right areas such as streaming speeds, connection reliability, coverage, and cloud compatibility, but also security encryption.

From a business perspective, here are phones for consideration.

Apple Business Phones

Apple was one of the pioneers of the smartphone industry. Many people swear by Apple products with their elegant designs and clean lines. In terms of performance, Apple phones always put forward a great product for the price. They may cost a little bit more than an android equivalent, but you are simply paying for a high-end version that often has a significant edge in terms of performance and build quality. They are not one of the biggest brands on the planet for nothing.

You can see a good comparison of the various models here; idealo.co.uk

With this in mind, three phones stand out for business performance.

  • iPhone 7 – A good entry point phone from Apple that offers all the functions you need to run a business on a day to day level. For that, it is fine, and like most Apple products is reliable and fast. It is, however, coming to the end of its life, and it may well be more cost-effective to consider a newer model.
  • iPhone 8 – The iPhone 8 is a reworked phone with upgraded features. It is quite different from its predecessor, which may come in handy depending on the nature of your business. Features such as wireless charging and up to a 70% increase in speed may make you look twice at the iPhone 8, despite criticisms over its battery life.
  • iPhone XR – The Apple XR brings back the full-screen design (no bevel) and has ditched fingerprint ID for facial recognition. According to Apple, your image is not stored on an external server but contained in the phone itself. The XR features an enhanced processor and larger screen and offers plenty of storage space.

Privacy and data protection wise, Apple states that it uses encryption in key areas of their mobile devices. They also use layered protection to prevent security breaches from apps.

Blackberry Business Phones

At one time, the only smartphone available was the Blackberry. It was quickly superseded by the rise of Apple and Android phones, and their operating model became obsolete as developers went where the users were.

They did, however, offer the best security on the market.

In 2020, they are making a come back featuring the Android operating system. So what’s on offer:

  • Blackberry KEY2 – Featuring Blackberry’s famous keyboard and now armed with the Android operating system, Blackberry is now making a competitive offering. The price is quite high, however, and may be off-putting despite the above-average battery life.
  • Blackberry Key2 LE – It doesn’t perform as well as its bigger, bolder cousin, but this is considerably cheaper and competes with other mid-range phones.
  • Blackberry Keyone – Considered to be the best Blackberry phone for sometime on its release in 2017, this phone could be for you if you like a real keyboard to type on, but don’t want to lose the ease of the Android operating system.

From a security perspective, the Blackberry range is hard to beat. As well as standard protections, each device on the KEY2 is injected with unique cryptographic keys. This is advanced tampering protection, so should the phone detect something is wrong it won’t boot. This makes it considerably harder to hack than its competitors.

Samsung Business Phones

Like Apple, Samsung needs no introduction and is the dominate player in the Android market, offering classy smooth design and a good range of phones. They offer some of the best performing phones available today.

Here’s a sample:

  • Samsung Galaxy S20 Plus – With great storage options and a large screen, the elegant design is backed up by phone performance. It is also expensive and arguably suited to a more photography minded phone user.
  • Samsung Galaxy Note 20 Ultra – With unquestionable performance and ready for the future, there are little criticisms that can be made of this phone. Again, the high price may make it an unnecessary purchase for most business users.
  • Samsung Galaxy S20 – Another great offering and more affordable as well, this phone could be the option to choose for business if you love the brand and want something that can perform. Storage options may be disappointing for the money.

Samsung Phones run a Knox security protection on their devices. This comprises of data encryption, run-time protection, data isolation, and chip-up manufacturing. Samsung boasts government agencies and security experts trust their security.

Huawei Business Phones

Huawei is arguably the third most significant player in the market behind Samsung and Apple. Their offerings are on the whole excellent and can easily compete with the best. That said, their reputation is tarnished on both sides of the Atlantic over 5G and other issues.

They are still worth considering as a business phone.

  • Huawei P30 Pro – The Huawei P30 Pro is an excellent model phone and has very good camera capabilities. It offers good performance and storage.
  • Huawei Mate 20 Pro – The phone is an excellent all-rounder, but offers less storage capacity than the P30. The phone has also received criticism for its lack of UI finesse which you may find frustrating.
  • Huawei P30 – The little brother of the P30 Pro offers a very good phone for the price. Like most Huawei phones, it seems to be aimed at the photographer.

With its reputation tarnished by high-level government decisions both here and abroad, you may want to avoid Huawei’s offering as a business phone.

Google Pixel Business Phones

Google Pixel is a popular range of phones produced by the Android creator. The phones offer good design details, and competitive price points compared to other Android manufacturers. As Google releases them, they tend to get more pomp and circumstance than other brands.

Here are three for you to consider.

  • Google Pixel 5 – The latest offering from Google was released in October 2020. The phone has received decent reviews with plenty of praise heaped on its camera technology. With good phone specs but not exceptional ones, you may find other phones at better prices with similar capabilities.
  • Google Pixel 4 XL – Although arguably dated, many believe that this is the best Pixel phone. From a business perspective, it lacks storage, and as technology advances, this phone will be left behind.
  • Google Pixel 3 XL – A perfectly fine phone but has the same limitations as the 4 XL. It has also been discontinued from production, so if you have an issue replacing parts is going to be that little bit harder.

Google’s security takes the form of full-disk encryption, file-based encryption, and Trust-Zone security.

Why your business needs to join the circular economy

0

The current UK economy follows a linear ‘take, make and dispose’ approach. For example, when a new iPhone is released, we immediately ditch our old model even if it is working just fine. Similarly,  we purchase on-trend clothes which may only be worn once and eventually thrown away.

As this approach relies on the world’s finite resources, it isn’t sustainable in the long term. Only 9% of the world’s economy has moved away from the linear model and far more organisations need to get onboard to help preserve the planet. One alternative is the so-called circular economy. Here we explain what the circular economy is and why your business should consider switching to this model.

What is the circular economy?

The circular economy is a closed-loop economic system focusing on reusing, repairing, refurbishing, remanufacturing and recycling items and services instead of disposing of them. There are seven key elements, including rethinking business models, designing for the future, and preserving and extending existing products and services. This aims to reduce the volume of resources used and avoids creating waste, pollution and carbon emissions.

This sustainable model considers the full life cycle of products and aims to design these to ensure we get maximum value from the natural resources used. All potential waste should fuel another process. For example, London waste management company Bywaters offer food waste collection as part of its recycling services. During the decomposition process, the gases given off can be used to produce energy which helps to provide electricity to the UK. A circular system aims to eliminate waste, keep materials and products in use, and power the economy with renewable energy.

The benefits of a circular economy

A circular economy benefits businesses, citizens and the planet by promoting resource efficiency, encouraging eco-friendly product innovation and supporting green companies. Many industries including hospitality, fashion and technology will benefit from this economy model, increasing performance and reducing costs. This will help to make non-green industries green which will boost GDP by nearly 1% and create two million additional jobs.

A McKinsey study in collaboration with the Ellen MacArthur Foundation revealed that the circular economy could boost Europe’s resource productivity by 3% by 2030 and reduce CO2 emissions by as much as 48% by 2030 and 83% by 2050. While it could also help save EU countries €600 billion. What’s more, businesses will benefit from reimagining its products, packaging and services to meet the demands of a sustainable environment, and consumers will be purchasing better products meaning they won’t need to keep paying to replace them.

Why businesses need to adapt now

The UK government has introduced laws on greenhouse gas emissions, aiming to reach net zero by 2050. This involves things like introducing greener transport, carbon efficient agriculture technologies and the Climate Change business tax. As well as ensuring emissions are offset by measures like planting trees or using carbon capture and storage. As a result, it makes sense for businesses to adapt now rather than later when restrictions and laws may be stricter.

Using the circular mode will help create a consistent supply chain that is beneficial for both your business and the planet. For example, Katie Leggett, sustainability manager at drinks company Innocent told The Telegraph: “The benefit to the business may not be short term but may instead be for the planet, and the knock-on impact associated with that. For example, less extreme weather means more predictable harvests and therefore more consistent supply across the global agricultural system.” Adapting your operations is worthwhile in the long run, helping to reduce environmental damage and costs, innovate products and services, and protect against reputation damage.

Failing to pay attention to the impact of consumerism on climate change may impact your reputation as customers may be less likely to do business with you. Considering 25% of UK consumers want to shop more sustainably, this is a great opportunity for your business to build and retain its loyal customer base. It will enable you to stay relevant and ahead of the competition in an ever-changing consumer market. In fact, taking action now will enhance your branding and place you as a sustainable company.

Cost-effective tips for buying a car

0

When it comes to major life purchases, there are few more exciting than a new car. Whether you’ve just passed your test and you’re searching for that first set of wheels or you’re a true petrolhead who’s seeking the latest addition to your collection, that feeling of anticipation never goes away.

And it seems there are plenty who agree. Data from the Society of Motor Manufacturers and Traders reveals there were more than 1.3 million new car registrations by the end of October 2020. Of course, that figure does not take into account any second-hand vehicles that may have changed hands. Meanwhile, the overall number is down more than 30% on the same stage last year – a discrepancy that can be attributed largely to the coronavirus pandemic and the ensuing lockdown.

There’s no denying that buying a new car represents a major financial commitment, but there are ways you can mitigate that cost and perhaps save yourself some significant sums of money.

Shop around

As with any large purchase, it often pays to weigh up all your options, rather than plump for the first model you see. There are many different ways to buy a car – privately, through a dealership, online or at an auction – and you need to work out which is going to offer you the best deal. It may also be worth widening your search in a geographical sense, as there may be greater value to be found in neighbouring towns or cities.

Buy second hand

This may not be desirable for everyone and it might seem an obvious point. After all, a used Audi A3, for example, is going to be thousands cheaper than a brand-new model that’s just rolled off the production line. But there is great value in buying second hand because new cars tend to see their value depreciate rapidly and you could soon find that your wheels are worth a fraction of what they were when you first made the purchase.

Think green

Beyond the initial price, you also need to think about the bigger picture and the other running costs associated with owning a car. When it comes to fuel, for example, you might want a model that tops the efficiency charts. That way, you’ll get more miles for your money when you fill up and it’ll be better for the environment too.

Consider insurance

There’s no denying that for younger drivers, insurance premiums are often higher because they’re deemed a greater risk. But there are steps you can take to try and reduce the price of your cover. Choosing a less powerful car, taking extra driving certificates, adding a black box and including other named drivers can all assist you in securing a slightly cheaper policy and ensuring the whole car-buying process is more cost-effective.

Five Reasons why Customer Reviews are Important for Small Businesses

0

It is hugely important for small businesses to build product reviews. These reviews get the business out there – people often look at reviews before buying, after all. A small business relies on these reviews for a lot of its custom.

People Read Reviews

The biggest change the internet has brought to people’s lives is change. Instead of being limited to their immediate area, they can now buy things from all over the world! People can now compare and contrast before they buy what’s on offer. They read reviews of the various businesses that offer that product! A small business needs reviews because that is the only way they will be seen. Customer reviews bring the business to a whole new level of visibility! If there are no reviews, no one will see what the business offers. They will get no new custom.

People Now Get Suspicious of No Reviews

Strange as it may sound, people are so used to seeing reviews for almost anything online that they get suspicious if they don’t see any. Even one review can be enough. No reviews will make people pass over your wares for somebody who has reviews. Reviews ae therefore essential for drawing people into your business. They make people stop and think. They make people come into your site, however briefly. The more people who come to your site, the more likely it is that some of them will stop and shop there.

You need a Healthy Mix of Good and Bad Reviews

People are automatically wary of reviews that can seem too extreme. If you have all negative reviews, then people will assume that your product is terrible. But if you have all positive ones, then they will still avoid you. People now assume that positive reviews with no negative ones mean that you have bought all the positive reviews. A small business therefore needs as many reviews as possible. It could unintentionally be caught in the trap of having too many of either kind of review, which can affect sales.

Small Businesses Rely on Word of Mouth

Small businesses often don’t have the marketing budget that big ones do. They have to rely on word of mouth to a far greater degree. In the modern world, this now includes product reviews. If a business has no reviews, this will have a huge effect on sales and profits. Even one review can mean a product turns up in an internet search. Word of mouth leads to more people using the business and leaving reviews. Then the cycle repeats itself with other products, and other areas of the business.

Visibility is Key

Reviews mean visibility for small businesses. Think about it. When people search for reviews, the sites that have the most reviews come up first or second in the results. If a small business has no reviews, it won’t turn up in the search results at all! No results means that no one will know about the products. No one knowing means no sales. Reviews are absolutely vital for putting a small business on the map. Most sites now put reviews on their own site. When somebody searches for reviews, they are then taken directly to the site itself. If a small business does this, it could mean more sales.

Benchmark International: How Could CGT Changes Affect Mergers and Acquisitions?

0

With amendments to Entrepreneurs’ Relief introduced in 2020 and rising media speculation over potential changes to Capital Gains Tax (CGT), this article investigates the impact on mergers and acquisitions.

Entrepreneurs’ Relief

Under previous legislation, Entrepreneurs’ Relief provided a generous reduction in tax liabilities, reducing CGT rates from 20% to 10% on the first £10 million of gains realised through the disposal of qualifying business assets.

However, on the 11th March 2020, tax-saving opportunities diminished significantly when the Entrepreneurs’ Relief lifetime limit was reduced from £10 million to just £1 million.

It must be remembered that, even at the higher rate of 20%, CGT remains substantially less than personal tax. Business asset disposals that qualify for Entrepreneurs’ Relief also attract less tax than a direct sale of business assets, which could attract 19% corporation tax as well as an additional 38.1% dividend tax.

Entrepreneurs’ Relief is available to individuals rather than companies. Therefore, where a disposal of business assets qualifies, each individual shareholder will only be taxed the lower Capital Gains Tax rate on the first £1 million, rather than it being applied to the company as a whole.

Announcing Entrepreneurs’ Relief amendments in his 2020 Budget, Chancellor Rishi Sunak indicated that 80% of small businesses would be unaffected by the changes. Sunak explained that although he wanted to encourage risk-taking entrepreneurs, he had also heeded representations that the tax break should be abolished completely, hence the reduction.

Even with the rate of CGT limited to just 10% on the first £1 million of gains, Entrepreneurs’ Relief still offers significant tax saving potential, particularly in terms of mergers and acquisitions.

As part of the legislative changes, Entrepreneurs’ Relief was renamed Business Asset Disposal Relief in the 2020/2021 tax year. Individuals must meet certain eligibility requirements, satisfying defined criteria throughout the ‘qualifying period’ – a two-year timeframe ending at the date of asset disposal.

Throughout the qualifying period, the stakeholder must:

  • Have been a company employee, officer, or sole trader
  • Have held a stake of 5% or greater of the company’s share capital, as well as 5% of voting share capital
  • Have remained within their individual £1 million lifetime disposal limit

Eligibility also depends on whether an individual is disposing of shares within a business or disposing of the entire business itself. Although both instances can qualify for relief, there are notable differences in eligibility criteria.

In the case of a disposal of shares, the company must be a trading company, or a holding company of a trading group, trading throughout the two-years preceding share disposal.

Proposed Changes to CGT

With the UK economy reeling from the continuing COVID-19 crisis combined with Brexit uncertainty, analysts indicate that Rishi Sunak could turn to CGT to help meet the potential £391 billion deficit created by the coronavirus pandemic.

As Alistair Darling pointed out in a recent radio interview, the only popular tax is one that everyone thinks is being paid by someone else. In 2018/19, just 276,000 individuals paid CGT, but from that low number, the UK Government generated an impressive £9.5 billion in revenue. As a global mergers and acquisitions specialist, Benchmark International always recommends that clients seek professional advice from qualified tax experts. Nevertheless, in terms of benefiting from the tax-saving potential of Business Asset Disposal Relief, it may be a prudent to act sooner rather than later, to avoid missing out on tax relief.

Business travel to Holland? Consider a car rental

0

Travelling for business is often considered intensive and tough. Running from meeting to meeting, arriving at your hotel late and start preparing for your next day. The hassle already starts when you leave your home. Rushing to the airport, queuing for security and waiting for the plane to take off… not the best way to start a hectic week of business meetings. Luckily there are innovative companies that are looking to take some of that stress away. Car rental Holland is one of these examples that show how it should be done. Let’s look at how they are making business travel great again.

Car rental Holland: click and go

You can book your car via the Internet and select your preferred method of pick-up. There is a special valet rental option that is often enjoyed by business travellers. When you arrive at Amsterdam Schiphol airport and head to the exit of the terminal, you will be welcomed by a car rental representative. He/she will guide you to the car that will wait for you directly outside of the terminal. After a quick check you can immediately drive off to your meeting or hotel.

Transparent pricing

With the emergence of the Internet and price comparison websites, it is important to be transparent. This is exactly what car rental Hollandis striving for. Companies that offer car rental services are open about pricing and potential additional fees. With a quick search on the Internet you know exactly what you can expect. Pricing is also dependent on your needs. There are cars that are small in size, but you could also choose a more convenient larger car. You can filter on these preferences and find the exact car that suits your needs.

Service of a taxi but at a better price

Taxi services in Holland are very expensive. For a short ride you easily spent more than 30 euros. This makes the use of these services very unattractive for travellers that come to the country. Public transport is another option that can be considered. Pricing is attractive and the infrastructure is sufficient. The only difficulty is the penetration throughout the country. Some places are quite hard to get to, requiring a taxi from the train station or ride a bicycle to reach your destination. This makes renting a car the best alternative for business travellers visiting the country.

Airports to consider in The Netherlands

The airport of Amsterdam is not the only option to consider. There is also rent a car Eindhoven airport that poses as an appealing option for business travellers. The airport is mostly utilised by low-cost carriers, making it possible to travel for competitive prices. Since the fixed costs of rental companies here are also lower, the prices of a rental car are also more appealing. If you are flying from within Europe, it can be an interesting alternative for Amsterdam’s Schiphol airport.

Everything You Need to Know About Payday Loans in the UK

0

Payday loans are short-term loans that take care of an individual’s cash crunch during difficult times. While they are easy to get, the interest rates associated with these loans are high. But in recent times where survival has become a lot tough, courtesy of COVID-19, more and more individuals in the United Kingdom are considering taking payday loans to meet up with their daily requirements. Payday loans are considered the last resort when looking to borrow money. Nevertheless, a payday loan can help you stay afloat financially if you have recently lost your job or your company has put you under furlough. 

But, before you take a payday loan, you should try to learn as much as possible about how payday loans work, how to get one, and what will happen once you get one. Since they are easily available from numerous internet sites and high-street shops in the UK, it is common to feel overwhelmed regarding which one to choose. There are also brokers that can find same day loans on benefits.

To help you out, we have created a thorough guide where we will be discussing everything you need to know about payday loans, including how they work. 

Let’s jump right into it. 

What is a Payday Loan and How it Works? 

A payday loan works on the assumption that you are in a desperate need of quick cash, which you will have to repay on your next payday. In drastic times, when you have no other option, payday loans come in handy. On the face of it, a payday loan works the same as any other loan. You will visit a financial institution or a website, complete the loan application, and if the lender approves it, the money will be disbursed into your account. However, that’s where the similarities end. 

In case of a payday loan in the UK, you will have to repay the loan quickly, essentially within 30 days or your next payday. In other words, once the customer receives their salaries, they use it to repay the payday loan in full. Usually, the loan amount is lower, and the amount ranges around your monthly wage. But, you can also take a larger sum if it is that urgent. However, please note that taking up a huge payday loan can trap you in a cycle of debt. So, it is important to do your research and due diligence before finalising a lender, shop around to get the best deals at the cheapest fee, here is a good review of the best UK payday lenders.

If it is a large amount, loan repayment in a single instalment could inevitably leave you struggling the following month. In some cases, people take up another payday loan to manage their expenses. So, shop around to find the best deals. 

Payday loans are very short term loans that are repayable within 1-2 months. 

Why are Payday Loans So Popular in the UK? 

The primary reason why payday loans are so popular is that they are often quick. This type of loan is approved the same day, and the money is disbursed in your account within the first couple of hours after approval. As compared to other loan types, which may take weeks or months to get approved, payday loans offer an easy and fast solution in the events of an emergency. 

The lenders are also keen to help people with loans in this current situation where people have lost their jobs, the economy is down, and there is no clear picture of what our future will be like. With that being said, your lender might agree to pause or reduce your payments temporarily. 

What if I cannot repay my payday loan because of COVID-19? 

You can get help if COVID-19 has made it difficult for you to repay the payday loan, or pay for something you bought on loan like furniture, home appliances, car, etc. 

You might be able to get your instalments paused or reduced. Also, you might be able to stop the repossession of something you bought on finance. 

You can contact Credit Union if you cannot repay the loan. They will help you deal with your delayed repayments by: 

  • Helping you work out a repayment plan to pay what you have borrowed 
  • Halting the addition of interest rate on loan for a limited time period 
  • Pausing or reducing your payments for a limited time 

Things to Consider Before Taking a Payday Loan 

There are several factors you should consider before you take up the payday loan. If you want to make a smart purchase, then the following are the best practices you need to follow: 

  • Shop around for the best deal and ensure to compare the deals with one another 
  • Determine whether the lender provide insight into the loan you are taking, like its features and benefits 
  • Determine what’s the procedure for late repayment if you are somehow not able to repay the loan on time 

Final Words 

Payday loans are turning out to be the go-to financial aid that people are taking in the midst of the pandemic. Only shop from a trusted lender and read the terms and conditions of the loan before signing the agreement with the lender. 

3 Ways to Increase Your Employability Now

0

You spend the majority of your adult life working, so it’s important to choose a career that’s going to satisfy you. However, securing your dream role doesn’t happen by accident. Whether you’re just starting out or you’ve already made it a few rungs up the career ladder, you’ll want to do everything you can to impress potential employers.

If you want to be ready when the next promotion opportunity comes along, take a look at these three ways you can increase your employability now:

1. Gain Experience

If you don’t have the right experience, you’re going to struggle to land your dream job. Of course, it can be difficult to gain experience when you can’t get your foot in the door. Fortunately, you can get more experience in your chosen industry by volunteering, taking internships and honing your skills outside the workplace.

People tend to assume that they can’t take an internship while they’re in full-time employment, but this isn’t always the case. Many firms offer short-term vacation schemes which allow you to gain experience over a two or three-week period. This can be a great way to boost your skills without leaving your current role.

2. Get Qualified

Being well-qualified will indicate to potential employers that you have the requisite skills they need, and it could put you a step ahead of your competition. With a Diploma of Business Administration, for example, you can gain theoretical and practical knowledge across managerial, technical and specialised business functions. What’s more – studying for a Diploma of Business Administration with TrainSmart Australia gives you the opportunity to complete your qualification online in just 12 months. Their rolling enrolment ensures you can start at a time that suits you and fit studying around your existing commitments.

3. Make Contacts

Although companies are required to adhere to strict policies and regulations when it comes to recruiting new employees, the old saying, ‘it’s not what you know, it’s who you know’, still rings true. If you have an extensive professional network, you’re more likely to hear about potential vacancies as soon as they become available. Furthermore, having a stellar reputation in your industry will ensure that potential employers receive positive feedback when your name comes in conversation.

It’s important to extend your professional network regardless of what stage you’re at in your career, so make time to attend industry events, socialise with colleagues where possible and be active online. By doing so, you can widen your network and make important contacts that will stand you in good stead for the future.

Prioritising Your Employability

If you’re not actively looking for a new role, you might think you don’t need to focus on your employability right now. In reality, however, you should always be taking steps to maintain your employability. It will help you to retain your position if redundancies occur, for example, and it could mark you out for imminent promotion. Additionally, being a top candidate will help you to build a profile within your industry and give you a wider range of options to pursue.

First Date in a Long Time? Time to Bust Out that Stylish Outfit!

0

Getting ready for your first post COVID date can be worrying, without even having to worry about the outfit to wear. While most people had already become accustomed to online dating, the coronavirus has brought with it certain changes that are likely to complicate things a bit.
Apart from worrying about masks and social distancing, there’s also the chance that whoever you intend to meet isn’t as appealing in real life as they’re on Tinder. Luckily for you, you can use the weapons already present in your arsenal to boost your confidence.
A fool-proof way to get started involves selecting a stylish outfit date that effortlessly combines your unique sense of style with contemporary fashion trends. Even though this does sound ideal in theory, how do you decide what to wear for that particular date?
If you’re among the tons of people who don’t have much going for them in the fashion department, you’re in luck! Read on to learn more

Try to Make the Most Out of the Wardrobe Already in Place
Deciding on what to wear for a first date night may be the perfect excuse for you to consider shopping for some new clothes. While there’s no rule on what you need to wear for a first date, it doesn’t hurt having a few choice items at your disposal.
In reality, raiding your current wardrobe to look for something to wear does say a lot about you. However, make sure to keep the following in mind when making the decision:

  • Be comfortable
  • Look like yourself

Keeping this in mind, your current collection does serve as the best clothing to wear. If you don’t have anything that fits, consider online shopping.

Questions You Have to Ask Yourself When Choosing What to Wear
Given that it’s been a while since you last went out on a date, you may face some uncertainty when it comes to deciding what looks good on you. If so, ask yourself questions such as:
1. Which clothing items gets you the most compliments from co-workers and friends?
2. Which items have you found yourself wearing most often because they help make you feel good about yourself when looking in a mirror?
3. If you were headed out on a weekend getaway, which items do you think would look good in your suitcase?
Items that tick all the above three boxes are the ideal starting point. If the existing items no longer fit or are torn, then it’s time to hit the shops for replacements. But then again, it’s still possible to achieve a lot with some well-chosen accessories, a smart coat, and a good steam iron.

What to Wear on a Day-Date?
Day dates are often a wonderful thing, especially when meeting someone for the first time, but they do come with a set of issues. You have to choose something that will impress your date even from afar while also getting through the conversation lulls.
But there’s hope in that outfits for day dates are naturally comfier and casual. You, therefore, need to take a look that matches all the activities you’re anticipating to take part in; some of the suggested items include a coat, smart jacket, and comfy shoes.
When it comes to women, you can’t go wrong with a chic trench, a blouse, and form-fitting jeans. Complete the look by wearing some light natural makeup, subtle silver jewelry, and leather loafers.
In the case of men, khakis or smart jeans will serve as a good choice for a day date. You can pair this with a checked shirt or polo shirt, and a fresh pair of trainers.

Choosing What to Wear for a Date Night
For first dates at night, the key lies in striking a balance between practicality and sex appeal. You want to ensure you look your best without compromising your ability to eat, bank balance, and your comfort.
While evening dates are traditionally more straightforward, there’s still a need to tailor the outfit based on the activity at hand. If the plan is to hit the pub before visiting your preferred Indian curry joint, stay away from cocktail dresses or suits.
On the other hand, if visiting a chic restaurant or upmarket bar, you may want to place a lot more emphasis on your wardrobe.
For women, go with a classic date dress. Your focus should be on finding something that fits you perfectly while showing off all your best assets. Pair it with embellished flats and a pair of comfortable heels. Accompany this with a chunky necklace and a pair of statement earrings.
The choice lies between selecting something more casual or tossing on a suit when it comes to men. If visiting a laidback setting, opt for brogues, smart jeans, and a white shirt. For those that prefer a formal look, choose a stylish shirt and a well-fitting suit.

How to Buy these Outfits
Making a trip to the shop may prove inevitable if you don’t have something to go with your favorite date night top or a tie to complement your suit. Considering the need for social distancing, your only option is to shop online. Coupons, such as H&M promo code, help you to enjoy significant savings and discounts when shopping online for an outfit for your date
Although not every person enjoys shopping, shopping online does have its advantages in that you get to use online coupons to lower the payable amount. Even the styles discussed above are all highly recommended, you shouldn’t shy away from trying something new.
All that matters is that you will like what you have chosen and that you will look good in it. On a more practical level, consider clothing that’s comfortable in a date scenario. In this case, choose shoes you don’t need to wear in, clothes that won’t make it hard to move, and breathable fabric.
If you still don’t know what works best for you by this point, consider using this formula.

Last but not least

Whatever you decide to wear for your first date at the end of the pandemic, there’re a few things you may want to remember:

  • If you opt not to buy new clothing items, ensure the clothes you wear for the date are freshly cleaned and pressed. Formal dresses and suits should be dry-cleaned. Also, take your time to iron your blouses and shirts.
  • Stay away from baggy pants. While at it, also choose some undergarments that are easy on the eye. You never know how the date may end!
  • Polish your shoes
  • Clean and thoroughly trim your fingernails and toenails
  • Make an effort to style your hair. Please take a look in the mirror and determine whether it needs a little maintenance. If it does, get a trim before the date night approaches.
  • bitcoinBitcoin (BTC) $ 85,322.00 3.09%
  • ethereumEthereum (ETH) $ 1,921.47 5.29%
  • tetherTether (USDT) $ 0.999859 0.01%
  • xrpXRP (XRP) $ 2.15 2.44%
  • bnbBNB (BNB) $ 610.67 1.03%
  • solanaSolana (SOL) $ 127.87 2.86%
  • usd-coinUSDC (USDC) $ 0.999981 0%
  • cardanoCardano (ADA) $ 0.684969 4.64%
  • tronTRON (TRX) $ 0.237161 0.35%
  • staked-etherLido Staked Ether (STETH) $ 1,918.89 5.28%
  • the-open-networkToncoin (TON) $ 4.02 1.76%
  • avalanche-2Avalanche (AVAX) $ 19.69 5.07%