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Moving House? How To Save Money On Removals

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Moving house is expensive. But it’s not just the mortgage and deposit that come as a financial burden. Even the cost of moving in and of itself can add a significant sum to your overall bill.

According to Really Moving, the average cost of removals in 2016 for a four bedroom house was £682. While you may hold little sway over the price you pay for your new home, removals is one area where you can save money. Find out how to bring removal costs down with these simple tips.

Book removals far in advance

If you want to get the best deal on removals, you have to plan ahead. Compare quotes from multiple removal firms well ahead of time to find a deal that suits you. Being early is key, as many firms will raise their prices as the moving date gets closer.

The complicated buying process often leaves final moving dates up in the air, only to be confirmed at very short notice. Clearly, this makes booking removals in advance very difficult. There is, however, a way around this. Many moving firms will give quotes based on provisional move dates, often keeping the figures valid for the following 28 days.

To keep your moving costs down, it’s best to book removals as soon as you have an estimated date in mind. It’s never a problem to phone up and reschedule as soon as you know exactly when you’ll move.

 Make sure there are no hidden costs

Though many removal firms are transparent with their costs, there is a chance there may be additional costs hidden within the price of your move. You can save on services like packing and unpacking by doing them yourself. Some removal firms will also charge for providing packing materials. Again, this can be avoided by simply providing packing materials of your own.

If you’re moving in London, AnyVan point out that you might want to check if your removals company will pay the congestion fee if necessary. If they will not, you may find yourself in for another additional charge.

You should also be aware of ‘waiting time charges’ before your removal day. Though infrequently discussed, these fees can make a lot of difference to your final moving bill. Not every removal firm will charge them, but these charges are calculated based on the amount of time a van has to wait before it can access your property. In most cases, this will only be applicable should any unreasonable holdup occur. To avoid them, it is important to ensure you are ready on moving day, and that you will not be responsible for holding up your movers.

 Cut down on your possessions

Since removal costs vary based on the amount of cargo vans carry, The Spruce advise it is in your best interest to bring as little as you can with you when you move. There are several ways to heed this. Start by looking at what you can move in your own vehicle. Smaller things like pots and pans or books can be packed into boxes and loaded into your own boot for transport.

Secondly, it’s worth deciding if some of your possessions could be housed in storage while you move into your new home. Alternatively, you could do away with some belongings altogether. If you’re downsizing, this is particularly important; ridding your life of large and bulky items will be essential to fitting into your new home, and as a consequence your removal bill will end up significantly lower.

Even if you are not moving into a smaller property, cutting down on your possessions could still be advisable. Adopting a more minimalist lifestyle is becoming increasingly popular, with many homeowners taking advice from Marie Kondo and other interior designers, all of whom advocate reducing one’s possessions to only the essentials as a way of improving life.

News and How It Affects Forex Trading

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If you want to know how national and global events affect the foreign exchange market, all you have to do is look at Brexit and see what happened to the British pound as a result. Who could have foreseen that one of the world’s best performing currencies would be knocked right off its perch and even predicted to collapse entirely by the end of this year?

The best in the Forex business keenly follow events to try and predict what might happen to the currencies they’re interested in — US Dollar, Yen, Sterling, or whatever else. Just like the stock market, the aim is to get in at the critical time and make an absolute killing before the currencies’ values change. Who can forget what must surely be the biggest currency speculation win of all time? That would be George Soros and his billion-dollar payday for betting against the Great British Pound.

We don’t all have to be a billionaire currency trader, however. Nowadays, many small players are actively involved in the Forex market, carefully following developments and making small trades along the way, with the aim of making profits. It’s no wonder Forex courses for beginners have become so popular in recent years — giving people all the essential Forex information and training they need to become a fully fledged trader in their own right, even if working part-time and from home. Indeed, for many, basic online beginners Forex courses are the starting point in their trading career.

Breaking News and Broken Currencies

The big news of the day certainly has the potential to impact on all types of currencies, in positive as well as negative ways. If an election result doesn’t go according to predictions, for example, and a controversial party wins a majority or most votes, it could be destabilising not just for the country, but its economy and currency. Most people — and analysts and pollsters — took the view that the British would vote in June 2017 to stay in Europe, but the opposite occurred, severely rattling the entire nation and its currency.

Clearly, when war breaks out, it has the potential to be catastrophic for everyone involved. Obviously there may be a great deal of tragedy involved, as well as a loss of human life, and no-one is suggesting that currency speculators are preying on what’s happening. It’s certainly not to say that people are seeking to profit from the misery of others. But if the conflict is going well for a particular country involved, and it’s seen as dominant in the war, it could work to boost its currency. It’s developments like this that Forex traders will be looking for.

Other events that can have ripple effects on the financial markets, including in the Forex world, are all the various natural disasters that can strike at any time. From earthquakes and resulting tsunamis to massive floods, volcanic eruptions and more, these country-stopping occurrences can bring an entire economy to a halt and send its currency into freefall.

Signs of Impending Bad News

Forex traders, many of whom will surely have taken Forex courses for beginners, are always on the lookout for indications that something can go awry in a country and affect its currency, thereby providing opportunities to make some profitable trades. Continuing and increasing unemployment figures, for instance, are certainly a worry that all may not be right and a country could be headed for economic trouble, as could poor manufacturing and export data.

On the flip-side, improving economic metrics are proof that a nation is heading in the right direction, with its economy on the up and perhaps a strengthening currency. These are all aspects that Forex traders need to constantly monitor so they stand better chances of being successful in the market.

And now, as Brexit talks with the EU are reaching a climax, who’s to say that Mr Soros won’t take another enormous punt on the pound?

The Importance of an Effective CRM System to Transform Your Customer Service

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Customer Relationship Management (CRM) typically refers to a system, such as Microsoft Dynamics, which is the software bringing together a cohesive approach to managing every customer relationship. It’s not just about storing and accessing customer data (although this is part of it), it’s about actively managing every facet of every customer relationship in a consistent and integral way. It’s the melting pot where everything to do with customers happens, but it’s also the conduit thought which each transaction has to pass through.

At the core of a CRM system should be the goal of maximising the value of all customer relationships. A great CRM system can utterly transform your customer service. Hitachi Solutions, experts at creating bespoke CRM systems using Microsoft Dynamics 365, have seen time and again how in the modern global marketplace an effective CRM system can make or break a business. Plan will help to protect the reputation of your business.

Customer Service – The Contemporary Problems

Customer service as a business function now bears very little resemblance to its predecessor. The digital age has transformed the way in which we do business, and as such our customer service function has had to completely change. It’s not a standalone entity anymore. Instead, customer service must pervade every element of every interaction with the customer. In the multi-channel marketplace, that’s an awful lot of touch points where customer service matters, and needs to be consistent.

For example, customer service now involves a broader approach across different channels, for example your Facebook page, your product catalogue, your website and your on-the-road salespeople, as well as a detailed approach to each and every interaction. That’s a tall order to manage, but what you need to do in order to achieve the competitive edge that you need.

It All Comes Down to Data

At its heart, excellent customer service comes down to data – accurate, reliable, and plentiful. A CRM system is what makes this possible. The holistic software is the centralised hub where all data is stored, accessed, and visible. This provides valuable insights. Your left hand knows what the right is doing, and the whole business is working together to ensure maximum value from each and every customer.

Whilst this data provides the insights we need to ensure exceptional customer service, it can be very difficult to utilise effectively because there is simply so much of it. The best CRM systems, such as the Microsoft Dynamics 365, will go a step further. They bring the data together in a way that is relevant for your business, and make it valuable without being unwieldy. Customer service processes are streamlined yet personal to the individual data, automatically.

This makes an effective CRM system incredibly valuable to a business for transforming its customer service and giving it the competitive edge. It’s the software glue that businesses need.

Why is a CRM System so Important to Customer Service?

Even the smallest businesses have complicated customer relationships in the current marketplace so can you imagine what large organisations are facing each day. This is because the modern customer has choice (and speed) at their fingertips like never before. Loyalty doesn’t exist as it used to. The customer really is the boss. That customer is also highly likely to encounter a range of different touch points with the product and the company before they make a purchase. The savvy consumer will be checking out reviews, having a look at your social media and browsing your website – all before they actually make a purchase. You therefore need to be in control of those touch points.

This is why it is important to see a CRM system as so much more than a software package. Yes, the software is what makes it technically possible. However, it’s also about strategy. This is strategy in terms of how you manage customer service across the board, and how you as a business interact with customers. It should encompass two key elements: retaining your existing customer base, and expanding it as well.

The More the Better

Given the nature of the modern consumer, it’s essential that they have as many different ways to conduct business with you, and interact with you, as possible. These different channels are valuable. However, the more channels that your business has, the more difficult they are to manage and to ensure consistent customer service. That’s where the CRM can help.

By using a CRM system to govern and control each channel, you can flex and adapt according to how your customer needs you to. You’re able to capitalise on every interaction whilst learning what works, and what doesn’t. You become increasingly responsive to the customer’s needs and in so doing, maximise their value.

CRM Systems in Practice

You can buy off-the-shelf CRM packages. However, you’re going to be attempting to fit your business, the round peg, in to a square hole. These are generic systems which will require your business compromising. A CRM system should be a tool which aids, rather than creates, work. Therefore, the ideal CRM system for any business is one which is created specifically around their needs. Solutions such as the Microsoft Dynamics 365 make this possible.

Microsoft Dynamics 365 is a way of creating a unique CRM for your needs, put together by consultants such as Hitachi Solutions.

Using this system you very quickly gain insight into everything from your customers’ purchasing habits through to their preferences. You can profile and group customers in order to ensure your marketing is more targeted and thus increase sales. At its core is a consistent customer service approach.

The CRM system should allow you to anticipate sales or interest using historic trends, whilst also using prospective information too. The cross-selling and up-selling potential of your business broadens which in turn enables you to see which of your customers are most profitable. This then feeds through to targeted marketing and communications, all seemingly with a personal approach.

The Customer Service Benefits of an Effective CRM System

The benefits of a CRM system, such as the Microsoft Dynamics 365, are broad and valuable. You’re likely to see enhanced customer satisfaction, and in turn, retention. Your business reputation should grow, as should your share of the marketplace. You are also able to become more efficient and reduce costs, as well as maximising profitability.

Your Parents Most Likely Had it Easier in Their Heyday

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Getting onto the property ladder has always been a hot topic among twenty-somethings and their parents – especially after the recent Budget. Grown-up kids want to move out, but can’t afford to, whereas parents who want the best for their kids can’t understand why not.

Well, Howells Solicitors is ending the affordability debate with its report: ‘Historic House Prices: Research Shows Your Parents Definitely Had it Easier’.

The South Wales-based business has examined government data to reveal a true comparison of the property market today compared to a generation ago.

Properties Are More Expensive Than Ever…

Back in 1980, the average UK home cost just £24,000. This rose to £60,000 in 1990, and ten years ago you could expect to pay £200,000. At the end of 2017, the average home now costs more than £226,000.

On average property prices have increased 7% each year since 1980.

…Homes Are Also Less Affordable

Property prices are higher, but wages are also, so does that mean getting on the property ladder is just as affordable as 20 years ago? Sadly, no.

According to the Office for National Statistics and the Annual Survey of Hours and Earnings (ASHE), the average prospective homeowner could expect to pay 3.6 times their earnings on purchasing a home in 1997. Last year, the average person required 7.6 times their earnings – more than double.

How is This Affecting First Time Buyers?

Somewhat unsurprisingly, the number of property loans taken out by first time buyers has decreased by almost half since the highs of the 80s and 90s, whereas the average homeowner is now older than ever before at 32 years old.

So, yes, your parents most likely had it easier in their day, but that doesn’t mean getting on the property ladder in the 21st century is a lost cause. If you dream of purchasing your own home, there are a number of government schemes and initiatives available, such as Help to Buy, you could also speak to your local conveyancing solicitors about a fixed-fee, no-sale-no-fee service.

Improving yourself as a consultant

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As a consultant, you’re sure to have a certain skillset that will make you a great asset to any business who chooses to make use of your services. But does that mean that your skillset has to stay static and unchanging throughout your career?

Finding ways to expand your skills and improve the services you offer potential clients is a great way to push yourself to greater success over the course of your career, but how should you go about doing exactly that? The Consultant Hub tells you some of the things to consider when improving yourself and your skills as a consultant.

Review where you’re at first

The best way to start improving your skills is to figure out exactly where you’re at now in terms of your current professional development. To look for ways to improve yourself, think about things like:

  • How long has it been since you worked as someone’s direct employee — Has anything happened or changed within the industry since then?
  • Have I been given any recent feedback that I can take on board and use to improve myself?
  • Do I have any peers who can give me guidance, or help me find further consultant roles?

While it’s true that there are many things to consider when looking for ways to improve your skills, planning your professional development thoroughly from the start can help keep you on track and keep you motivated to always push yourself and improve further.

Taking advantage of gaps in the market?

It might even be that the decision to improve your skills comes for a reason other than improvement for its own sake. You might simply identify a certain niche out there in the market that you could be in the perfect situation to take advantage of.

It could be, for example, a business not implementing some process changes that will make their output more efficient, so you undertake some research ready to put together a consultancy pitch in the aims of securing a new client.

Constant learning process

It’s important to note that there will always be something you can do to improve yourself in some fashion. New developments and drastic changes in many industries are always happening, and you’ll need to keep on top of it all to be as effective as consultant as you can be.

With that in mind, knowing exactly what skills and traits a great consultant should have, and should focus on developing is a great way to improve yourself as a consultant

You should always be pushing yourself to identify your own strengths and weaknesses — How you can turn strengths into unique selling points; how you can begin to minimise or eliminate the effect weaknesses have on your work.

You could also think of trying to find learning opportunities either locally, further afield, or online. Anything that can help develop your individual skillset, and that you can demonstrably prove the value of, will be immensely helpful in proving to your potential clients that you’re always keen to remain at the forefront of your field — Always doing your best to prove you’re exactly what a business needs, and you should certainly be their first port of call for advice, guidance, and support.

Ways to keep your company’s data secure

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Your company’s data security is critical to its viability. Your trade secrets, financial records, and employee records all need protection. Otherwise, you could suffer financial losses and damage to your company’s reputation. Discover the following three ways to keep your company’s data secure.

Train Employees on Data Security Measures

Image via Flickr by VFS Digital Design

Your business’s security measures won’t matter if employees haven’t been trained properly to follow them. Time and again, it has be revealed that the security breaches are often caused by human error. People can be confused by the nature of internet security. The famous 2016 phishing attempt that led to a major hack of the Democratic National Committee was entirely avoidable. Social engineering attacks, like phishing, exploits human nature to steal credentials and enter a network through the front door.

A gentleman who had a law degree from Georgetown University fell victim to a simple hack. His aide made a typo indicating that he should open a phishing email. The person meant to say not to open the email, and the mistake may have influenced the outcome of the 2016 presidential election. Both parties needed better training about the importance of precision in data security.

Train your employees to recognize the dangers of phishing emails and teach them how to avoid ransomware attacks and other potential security breaches. This training could make a difference in your company’s overall data security. Employees should also be trained to recognize a legitimate website from an imposter’s malware infected site. Lastly, employees need to be taught to internalize the concept that security is a company-wide responsibility. All it takes is a single employee to expose the most sensitive information to unauthorized individuals.

Hire Hackers to Test Your Security Systems

This solution may sound outlandish when you hear it. In practice, many corporations have discovered that hackers are great security freelancers. Who knows better about the ways to breach your data security infrastructure than a hacker? Even major internet businesses such as Google employ cybercriminals to test the integrity of their infrastructure.

You can take the same approach to your company’s data security. Search for a security expert with proven hacking skills and ask for personal reviews before hiring this individual. Once you have established a level of trust, pay the individual to attempt a hack. After a detailed attempt, the hacker will report back to you on target areas of improvement in your data security system.

Another option that some large tech companies opt for is to try a bug bounty program where professional experts will look for bugs and vulnerabilities within a system in return for a monetary reward.

Add a Cloud Access Security Broker

You’ve spent much money on your IT system’s data security. You also have confidence that the cloud services you use are similarly safe. Both of those statements are true, but the problem is that your data can become exposed once it leaves your servers.

A series of internet protocols connects your internet to the cloud service, but these protocols aren’t as secure as your internal ones. These protocols are also less safer than the ones on cloud servers. Hackers often target this environment between your system and the cloud as a potential infiltration point.

You can add exponentially stronger data security measures to correct this problem by using a cloud access security broker (CASB). A CASB extends your own internal security measures all the way to the cloud server. In other words, you maintain control of your system in the manner you prefer until you pass control to the cloud service. By doing so, you can eliminate potential flaws in your data security.

With so many implications at stake, you must protect your data. The three areas listed above are merely a start toward safeguarding your company’s critical information.

 

Signs you may need to reconsider your insurance company

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When the time comes for you to consider renewing your insurance for another year, you may simply go ahead without stopping to even consider the other options. That can be understandable, given how time-strapped many of us are. However, by simply renewing that policy, you almost definitely will be left out of pocket. Here are several reasons to consider switching instead.

Your premium has increased since last year

In August 2016, the UK’s Financial Conduct Authority (FCA) unveiled new measures intended to encourage a higher number of people to resist simply renewing their insurance when prompted to do so. In fact, due to these measures, you could soon have more reason to abandon your current insurance provider and look around for a new deal, should this be financially desirable.

But how will you know whether it is? One big reason is that, since April 2017, UK insurers have been required to, whenever renewal time comes around, let policyholders know what premium they agreed to last year. This will enable the holder to readily compare that premium with what they would pay if they renewed – a move that is unlikely to look quite as appealing as it did before…

Consider that, as the Money Advice Service notes, a UK home insurance premium usually rises by £9 annually. Whereas Brits collectively spend £37 million too much per year when they renew, they could actually each save £59 annually if they switched to better deals.

You have already renewed your insurance four times in a row

Letting a policy automatically renew itself can feel comfortable. After all, it can ensure that there is no gap or interruption in your coverage. However, in the long term, you could make significant savings if you seriously consider switching.

Indeed, should you have already renewed a policy four times in as many years, you might have started receiving additional messages that shine a light on the possibility of you switching. The Money Advice Service’s Nick Hill has enthused: “It’s good to see that providers will provide stronger reminders to shop around. So take advantage of these reminders and shop around.”

You could do that shopping around with assistance from an insurance broker. If you are UK-based, a good choice of broker would be Call Wiser, which can compare insurance policies from more than 30 insurers before giving you a quote for the most suitable policy it finds.

The company doesn’t offer a “blackbox policy” for your car

“Blackbox policy” is a colloquial term for a car insurance policy where the insurer provides a telematics system to be installed in your car. There, the system can monitor various aspects of your driving – including your speed, the aggressiveness of your accelerating and braking, and whether you drive at times often deemed dangerous, such as early morning.

Once you have spent a certain amount of time driving safely with this telematics box recording it, the premiums for your car insurance could significantly drop, says This is MONEY.co.uk. Of course, the higher your premiums currently are, the more you stand to gain – making blackbox policies particularly worthwhile for younger drivers who insurers often consider relatively risky.

Your private health insurance no longer meets all of your needs

Certain countries, such as the UK, can provide much healthcare free of charge. That healthcare would be publicly funded; however, you might still have what is called private health insurance. This could enable you to reduce how long you wait for medical treatment.

Nonetheless, it’s worth regularly looking back at the small print of your existing private medical insurance policy. In doing so, you might realize that the policy no longer accounts for particular circumstances that have arisen since you originally took out this insurance.

For instance, while you might have been single back then, you might now have a partner and children who would not be covered by the same policy if they suffered adverse health. This is one scenario highlighted by The Telegraph, which also cites another possible situation where you may be interested in a policy offering benefits different to those available from your existing insurance. In either situation, an insurance broker could help you find a new, more suitable policy.

How Does Insurance Work? – A Proper And Concise Explanation

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You surely have a home insurance policy as well as a plan for your car, but do you really know how insurance works?

You do not need to know it to take advantage of it, but if curiosity has sparked you, then this article will explain it all to you.

Unlike other posts which make things excessively hard, this one will use layman’s terms, so you can get our points across very easily!

For Starters… What Is Insurance?

In simple terms, we can define it as a group of individuals who agree to share risks. By doing this your money is pooled with others’, so there is enough money to fulfill the claims.

However, this group is solely composed by persons who share similar risk characteristics, so that there is a fair distribution of expenses and losses.

Overall, insurance is a way to protect your car, property, etc. by pooling money. When buying it you get a policy, which is like a contract, where you will find what is covered and what is not. It is important to read it properly, so you can be aware of the limits of your insurance plan.

If you want a full and more detailed explanation on insurance, the different types and more, then you should visit this site.

What Do They Do With Premiums Money?

Insurance companies need to manage premium dollars in order to keep the business running and be capable of fulfilling the valid claims that fall within coverage.

Essentially, they do three things with this money:

  1. Pay claims
  2. Invest
  3. Pay expenses

The second point is the most interesting, because thanks to these investment policyholders can save money. Depending on how well they do, you will save more money or less. Fortunately, the majority of established companies now how to handle their investment portfolio and diversify them properly.

How Do You Know How Much To Pay?

It is very hard to give an answer that fits all cases. In order to determine how much you will have to pay we need to talk about the kind of insurance, and only then, we can discuss other factors.

For example, let’s suppose you want to get car insurance, then the following factors would come into play:

  1. The model of your car
  2. Where you drive
  3. If you share your car with other people
  4. If you use it for work or not
  5. If you keep financing it

The same can be said about life insurance, where many factors come into play. Therefore, your best bet is to work with an insurance agent, in order to explore the options available in the marketplace for what you need.

What Will Happen When I Fill a Claim?

A car accident? Was your house damaged due to a fire or vandalism? Then it is time to fill a claim to get the monetary compensation offered by your insurance plan.

First off, refrain from filling a claim for things you can easily afford. The more you report the more expensive your premium will become. Only do it in cases that really need it.

The process goes down like this:

  1. You fill the claim and present it to your insurer or broker
  2. A Claims Representative will contact you for further information on the incident
  3. The same representative will bring you options on how to settle your claim
  4. The representative will take care of the whole process and paperwork
  5. You will receive a payment that goes according to your insurance coverage

Those are the stages that you will have to go through from filling your claim to receiving the corresponding payment.

Conclusion:

That is how insurance companies work. You can understand it easily, because we have not used any kind of hard terminology.

In any case, if you had a question regarding how insurance works, just post it and we will answer it as soon as time allows it.

Co-founder of Max Polyakov’s Noosphere Shares Thoughts on How Ukraine can Win the Technology Race

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The attitude toward the Soviet era in the history of Ukraine is rather ambiguous. The vast majority are desperate to criticize the USSR years, a minority feels nostalgic. At that, one cannot but agree that Ukraine has inherited a powerful technological and scientific basis that has given the world many outstanding scientists, researchers, and developers. A case in point is the rocket industry that enjoyed especially strong positions in Ukraine. Notably, not only in the USSR era, but after Ukraine left the Soviet Union as well.

For instance, Dnipro (formerly Dnepropetrovsk) is considered as the cradle of the Soviet rocket industry that was created on the basis of the Dnipropetrovsk Automotive Factory back in 1944. Consequently, Special Development Laboratory No. 586 was created in the factory, today it is known as PA Yuzhmash. It was local developers who created the legendary R-12 carrier rocket in the 1950s, the development being lead by the renowned mechanic Mikhail Yangel.

Unfortunately, after the Soviet Union fell apart, the famous might of the rocket industry waned. Yet, the potential – in terms of technology, science, and human resources remains, and investors (particularly Noosphere Ventures, managed by Max Polyakov) are absolutely confident in this fact. The question is – can we use it for the benefit of the Ukrainian economy and its reputation? There is a chance. And it is in our hands, Michael Ryabokon, who co-founded Noosphere Engineering School together with Max Polyakov, assures us.

This way is that Ukraine has been able to host both the World and European championships in model rocketry. It is notable that the World Air Sports Federation – FAI, with headquarters in Switzerland, has awarded this title to us of all countries, despite the harsh competition. It was only logical to host these championships in Dnipro. Unfortunately, a war has started in East Ukraine, and the championships were at a risk of cancellation. However, Europe preserved our right to host the championship, but under the condition that the location was moved farther from the military conflict zone to the west.

“The youth want to be sure that it is not necessary to leave the country to be successful”

In August 2016 Association Noosphere, founded by Max Polyakov, hosted FAI’s World championship in rocket modeling. Оver 300 competitors from 20 countries came to Lviv to compete in the art of constructing and launching model rockets. The contest participants included teams from the most technologically developed regions: the USA, Japan, China, Canada, and Great Britain. Indeed, Ukraine had an advantage in this field. First of all, the Ukrainian team are the current champions of Europe in model rocketry. In 2015 at the European Championships, the Ukrainian team won 14 gold, 6 silver, and 7 bronze medals in the overall standings. A splendid result that keeps improving from year to year.

There is another, more important thing here. The very title to host the championship illustrates the belief in us and presents the opportunity to make a name for ourselves at the international level. Indeed, model rocketry is an engineering advertisement of sorts, a demonstration of the country’s scientific potential.

And Ukrainian science is in need of such things. It takes us great effort to shed the stereotypes of the past few decades when it was self-contained without taking the demands of other industries and the rapidly changing market into account. The situation is that the majority of our researchers (younger and older alike) do not realize the practical value of their ideas and achievements or the obstacles to their implementation. And the participation in such contests, competing with experts in various fields who will visit us from all over the planet, is an excellent way to demonstrate that being an engineer is not only exciting but also prestigious.

The youth want to be sure that it is not necessary to leave the country to be successful – a message Association Noosphere of Max Polyakov has been conveying for over three years now. By giving developers a sense of significance and relevance, we can stop the outflow of talent and human assets which has been a pressing problem and a topic for discussion on the state level.

“They believe in us and present the opportunity to make a name for ourselves at the international level. Indeed, model rocketry is an engineering advertisement of sorts, a demonstration of the country’s scientific potential”

We need to remember that model rocketry presents a splendid base for training the future military engineers and a breath of fresh air for the defense industry in general. According to Max Polyakov from Noosphere, this is a highly lucrative investment field. For instance, the championships in Lviv were attended by the chairpersons and leading engineers of companies engaged not only in the rocket industry, but also in military technologies. Thus, it means not only potential contracts and orders for Ukrainian production companies, but also potential investments in creating game-changing weapons and solutions for the army (surveillance systems, navigation, unmanned vehicles, anti-aircraft defence, etc.).

It is obvious that the renaissance of the country’s engineering sector might not be achieved by a single championship, even an international one. We need to solve a number of state-level problems, including the approach to the education system in regard to science and technology, as well as the numerous state restrictions, for example, in the fields of the space and military industries. Unlike many nations, such as the USA, where private companies supply arms to the state, we have a monopoly on military technology and production. They have market-based competition and the necessity to improve, while we have a stagnating environment for innovation.

However, it is pointless to list all the possible reasons that hamper the development of the environment for innovation. Instead, we should seek alternatives to replace the low-efficiency institutions. For the last few years, that has been the major focus of Association Noosphere, that was founded by Max Polyakov in 2012, to attract the attention of wide audiences – both home and internationally – to our intellectual and technological fields. They present a base for globally in-demand startups and help shape a more sustainable and competitive economy for Ukraine.

Originally posted on forbes.net.ua Michael Ryabokon opinion section

How to Install Tiles on Your Walls and Floors the Right Way

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Not long ago, the process of installing tiles was often left to the hands of professionals. It involved soaking ceramic tiles in water for a whole night then setting them in thick mortar afterward. Nowadays, the introduction of backer board and thinset adhesives have made it possible for anyone to perform a DIY tile installation, making it easier than ever to update your home with items such as a ceramic field tile.

Since home renovations can cost thousands, many homeowners prefer doing things on their own. This is true with tiling. Calling for a tiling contractor is expensive. On average, it will cost anywhere from $45 to $150 per hour. There are also those who will charge you around $35 to $50 per square meter depending on the materials used.

If you are more of a DIY person and want to save money, here are some DIY wall and floor tiling tips you want to consider:

How to Install Wall and Floor Tiles

1. Prepare the Surface

Before you begin with your tiling project, you have to prepare the surface first. Ceramic tiles can be installed over most substrates; however, you need to clear the surface of any dirt. Make sure it’s clean, dry, smooth, and free of any grime and dirt. Remove any loose or uneven areas, trims, appliances, moldings, and anything that can only interfere with the installation.

2. Consider the Layout

When doing a wall and floor tiling project, make sure you keep the layout of your room in mind. If you install tiles on your walls, start from the bottom row first. From there, you can then start working your way up one row at a time.

Meanwhile, if you install tiles on your floors, you need to make sure it has a flat surface first. You can do this by pouring a self-leveling compound for a flat, smooth base for your tiles.

3. Pick the Right Adhesive

You should use the right mortar or adhesive for your surface to make sure it bonds properly. If you have a cement board or concrete surface for your walls, using a multi-purpose mortar is recommended. Meanwhile, a thinset mortar is ideal for concrete slab or cement board floors. Once you have applied the appropriate adhesive, you may then start setting your tiles.

4. Grout the Joints

Grouting follows after you have successfully set the tiles on your walls or floors. On average, you will need to wait for 24 hours before you can start grouting. Determine the color of the grout you want. For best results, it’s ideal to pick a color that complements your tiles.

Follow the instructions indicated when mixing your grout, and mix only enough to use within 30 minutes. Before applying, make sure you wear protective gloves. Spread your grout mixture on the tiled surface with the use of a squeegee. Don’t forget to remove any excess grout from the surface. After you’re done, begin the cleanup procedure.

Conclusion

As you can see, it’s not really impossible to perform a DIY tiling project. With the right materials and procedure, you can do tiling on your own without the need to rely on a professional’s help.

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