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“3 of the Biggest Financial Scams of All Time”

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Wealth is very much so at the forefront of how society functions and is central to the satisfaction that we have in our lives. While the saying is that money doesn’t buy happiness, it is undoubtedly a huge factor in living a happy life. Financial security means that we can live comfortably and relaxed, knowing that essentials such as food and housing are assured for long-term while having a bit left over to indulge in luxury items. Unfortunately, there are a group of people who always want more than what they have.  Where there is money, there is also a crime to be had. Over the years, there have been several stories of corrupt members of our society engaging in financial scams and other related criminal activity, often leaving the most vulnerable to be the greatest affected.

AM1 Claims Management is a specialist financial claims company that deals with a wide range of cases where clients have been mis-sold financial products. Therefore, they are more than qualified to talk about some of the world’s most notorious financial scandals. AM1 Claims have provided us with this article featuring their very own round-up of three of the biggest financial scams ever to occur.

Original Ponzi Scheme

A Ponzi scheme is defined as a fraudulent activity whereby existing investors receive funds that are obtained from new investors. The promise of high returns is never met, and the money does not go towards an investment. In simpler terms, the money is circulated around rather than being used to return profits. As soon as new investors dry up or existing investors decide to cash out, the scheme will usually have run its course.

While the name is well known these days as a way of grouping these similar crimes together, what you might not be aware of is where the term Ponzi scheme originated from. The original Ponzi scheme was spearheaded by infamous Italian swindler Charles Ponzi. While similar schemes existed beforehand, Ponzi’s scam was significant enough that it coined the phrase. Back in the 1900s, Ponzi, who was living in Boston, MA at the time, came up with the scam when he received a letter in the post. A Spanish company sent him an international reply coupon that could be redeemed for postage back to Spain. His plan was to purchase coupons in one country and to then exchange them for postage in another country which offered greater value. With the promise of high returns, several investors joined the scheme. However, Ponzi’s existing investors were only paid with funds from new investors, and they would end up losing $20m. Charles Ponzi was ultimately sentenced to five years in prison for mail fraud, of which he served three and a half years, before receiving additional jail time and deportation.

Bernard Madoff

Another form of pyramid scheme that rocked the world involved Bernard Madoff, a money manager who is believed to have created the largest Ponzi scheme to date. Madoff was seen as a respected figure by investors and he was able to convince them that his strategy was legitimate. His scheme is believed to have lasted for at least 17 years, starting in 1991 at the earliest, but there are suggestions that it ran for longer. During this time he defrauded thousands of investors out of tens of billions of dollars and the Madoff Victim Fund was created in 2013 to distribute funds to the victims.

In 2008, amidst the global financial crisis, Madoff’s scheme began to collapse with funds running out. In December of that year he finally confessed to his sons who then immediately reported him to the authorities. Having been prosecuted, Madoff was sentenced to 150 years in prison and ordered to forfeit $170 billion.

ZZZZ Best

Run by American businessman Barry Minkow, ZZZZ Best seemed to be an ordinary and successful carpet-cleaning and restoration business. However, this was far from the truth. Minkow formed the company when he was just 16, using his parent’s garage as base. With the business performing badly and having to deal with complaints and supplier collection requests, he decided to engage in criminal activity to make ZZZZ Best look like a profitable business. This included check kiting, theft, insurance scams, and fraud. Minkow then teamed up with business partner Tom Padgett, an insurance claims adjuster, to branch into the insurance restoration sector. This led to the creation of a fraudulent company called Interstate Appraisal Services, and the start of a sophisticated Ponzi scheme. ZZZZ Best would be wrongly credited for restoration work, with Interstate Appraisal Services used to verify the credit.

As a way of alleviating cash flow problems at ZZZZ Best, Barry Minkow was in the process of acquiring KeyServ, the authorised carpet cleaner for department chain Sears. However, his criminal activity was exposed by a homemaker who had previous lost a few hundred dollars as a result of a credit card fraud scheme that ZZZZ Best was involved in during the company’s early years. Minkow was subsequently prosecuted on a series of charges and sentenced to 25 years in person, of which he served just seven years. In later years he received more prison time for additional crimes he had participated in over the years.

Sport and Female Empowerment: Four Inspirational Icons to Impose Post-Lockdown Change

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Historically, the world has assumed several aspects of society to be by ‘male default’ — the world of sport being one of these. Throughout history women have been standing at the sidelines, waiting for their opportunity to come into play. When we use terms such as ‘women’s athletics’, and ‘women’s football’, or even ladies’ tennis, it almost implies that a woman running on the pitch or picking up a racket is something out of the ordinary. After all, we never hear anyone say ‘men’s football’.

Throughout the years, women have worked relentlessly to get rid of the prejudices they have faced throughout their sporting career and change the perception of women in sport. Back in 2019 when media coverage and public interest of women’s sport was beginning to peak, funding was eventually starting to reflect the sporting talents of women.

When the Lionesses played against the unstoppable United States Women’s soccer team in the 2019 FIFA Women’s World Cup, the evidence of the nation finally taking an interest in women’s football was undeniable. During June 2019, Google search trends around ‘women’s football’ experienced a dramatic spike, proving that the public is keen to engage and watch women in sports.

As with the rest of the industry, the world of women’s sport is currently experiencing a crisis. The hype that was associated with women’s sport last year is being jeopardised by the stand-still that is Covid-19. In further news, women’s sport is facing a longer lockdown period than the likes of men’s sport that is looking to get back on track in the nearer future. Brazil has recently announced that the tournament hosting bid for the Women’s World Cup in 2023 has been withdrawn. In response to this, Dame Tanni Grey-Thompson said, “We can’t just rush to get men’s sport back and not think about women’s sport. There has to be a balance and diversity, otherwise some of the strides women have made could be lost”. Speaking further on this, one major UK trailblazer in women’s football, Kelly Smith, argues that the game has been “pushed aside”.

Despite the momentum of women’s sport being threatened, there are numerous sports stars that have taken it into their own hands to protect it. Not only have these women been inspiring fans everywhere over recent years, but they’ve also been unapologetically demanding our attention through raking in even more trophies and addressing the important issues. Luckily, some of the sporting worlds most influential women aren’t going anywhere anytime soon. With this said, we discuss the ones to watch in post-lockdown women’s sport.

1.      Megan Rapinoe

Rapinoe’s international success is something worth admiring. Winning six global awards including the 2019 Ballon d’Or Féminin, the 2019 FIFA Women’s World Cup Golden Ball, the 2015 FIFA Women’s World Cup All-Star Team, the 2019 FIFA FIFPro Women’s World XI, the 2019 FIFA Women’s World Cup Golden Boot, and the 2019 Best FIFA Women’s Player, Rapinoe’s success is on par with the men at the top of men’s football rankings. With this in mind, Rapinoe is a hugely influential sporting athlete, gaining her 2.2 million Instagram followers. Using her huge following to her advantage, she uses her platform for activism, regularly discussing issues such as the gender pay gap in sport, the Black Lives Matter movement, and LGBTQ+ rights.

2.      Naomi Osaka

Named by Forbes as the highest-paid female athlete ever, Osaka is an international grand slam champion at the age of 22. At the age of just 20, Osaka achieved the incredible feat of defeating Serena Williams in the final of the US Open. Since then, the Women’s Tennis Association has ranked Osaka as number one and she has gone on to win another two slam titles. Her list of breath-taking achievements continues, as she remains the only player of Haitian or Asian descent to hold the top ranking in singles.

At the age of three, Osaka moved from Japan to New York. In order to represent Japan in the Olympics, she gave up her US citizenship — since this is a choice that Japan requires its athletes to make before the age of 22. Other than her taking the sporting world by storm and engaging in influential sportswear collaborations, she addresses matters such as racism and sexism within the sporting industry- two issues that she has been personally affected by in her sporting career. Similar to Rapinoe, Osaka uses her online community and 1.1 million Instagram followers for social activism and the championing of women in sports.

3.      Allyson Felix 

All the way from the other side of the pond, Felix is no one-trick pony and is in fact the only American track and field sprinter that competes in the 100m, 200m, and 400m race.

When Allyson Felix achieved her twelfth World Championship gold metal in the Doha World Athletics championships back in 2019, she sent shock waves around the world — even surpassing Usain Bolt’s world record with her twelfth gold medal achievement.

What makes this even more impressive is that she did all of this after giving birth to her daughter in November 2018. After taking on her sponsors over maternity rights, since one planned to pay her 70 per cent less than what they did before she gave birth, it left their contract at a standstill.

4.      Dina Asher-Smith

Confirming her position on 2020’s list of most influential sports stars, Dina Asher-Smith is the fastest woman in British history. In 2019, she was named as one of the UK’s most influential people with African, African-Caribbean, and African-American heritage after smashing national records.

After breaking the British 100m record in London, she then went on to break the British 200m and 4x100m relay records at the World Championships in Doha in Qatar. At the rescheduled 2021 Tokyo Olympics, she is certainly one to look out for!

She is an inspiration for young women everywhere as she too came from a park running background in London. Not only has she went from strength to strength throughout her sporting career, she has also achieved a 2:1 History degree at King’s College in London. Dina Asher-Smith has proven to young girls everywhere that they can excel in any way they choose by committing their minds to things. Throughout the world of sport, women have shown power, resilience, and remarkable talent. After battling through diversity numerous times over and inspiring women around the world, these sports stars are sure to bounce right back into action despite the uncertainty that the sports sector is currently faced with.

Five of the Most Innovative Buildings in the World

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Architects and construction companies are constantly pushing boundaries and using new methods to deliver ground-breaking projects that meet budgets and incorporate the latest technology. They are also built with safety and sustainability at the heart of their key performance indicators.

The world is full of amazing design work and buildings that make you stand for an extra second and applaud how they’ve been constructed. Today, we’re going to share five of the most innovative buildings in the world – with each one embodying technology, safety, and sustainability.

Cardboard Cathedral by Shigeru Ban (New Zealand)

Back in February 2011, a 6.3-magnitude earthquake hit Christchurch, New Zealand, devastating the iconic Christchurch Cathedral. To prevent a reoccurrence, Japanese architect Shigeru Ban – who picked up the 2014 Pritzker Architecture Prize – designed a cathedral to last 50 years rather than forever – with a more a permanent fixture needed after a half of a century.

Speaking on the design, he said: “People don’t die in earthquakes, they die in buildings that collapse in an earthquake. You don’t usually find architects on the scene after a disaster, building temporary housing. We’re so busy with projects for the privileged classes.”

The triangular-shaped cathedral rises over 24 metres and is made from 98 paper tubes spaced 150 millimetres apart. Eight shipping containers make up the wall structure, while the roof is made of polycarbonate and the floor is concrete. With a capacity of 700 people, the cathedral has given people a new lease of life when they use it as a gathering place for the local community. 

Bank of America Tower (New York City)

The Bank of America Tower is a 1,200 feet skyscraper in Manhattan. You could be excused for not automatically thinking it’s a building with sustainability at its core – but it does.

Floor-to-ceiling window glazing traps heat and maximises natural light. The building also collects rainwater to reuse throughout the structure. The billion-dollar building was the first skyscraper to be awarded a coveted platinum rating for Leadership in Energy and Environmental Design.

Built in 2009, the skyscraper is still a cutting-edge piece of architecture and given its purpose as a bank, should be celebrated for its green approach.

The Dee and Charles Wyly Theatre (Dallas, Texas)

When it comes to the innovative use of an aluminium extrusion, the Dee and Charles Wyly Theatre in Texas is up there as one of the best examples. Designed by Joshua Prince-Ramus of REX and Rem Koolhaas of OMA, the theatre opened in 2009 – with the upper part of the building clad in tubular aluminium.

One of the most redeeming features of the auditorium is the glass walls that have blackout blinds, which can be opened to reveal the city and allow people to catch a glimpse of the performance from outside.

The seating and the stage are also designed to be reconfigured to suit different types of performance. The Wyly is situated on the south side of the AT&T Performing Arts Center complex and has an iconic presence in Dallas.

The Edge (Deloitte Head Office, Amsterdam)

Created by PLP Architecture in 2015, Deloitte’s state-of-the-art Amsterdam head office, known as the Edge, is at the top of the list when it comes to sustainability, after receiving the highest score ever from the British rating agency BREEAM. It was dubbed “the smartest building in the world” after completion.

The building uses technology to achieve optimum resource efficiency while creating a collaborative work environment for its staff. LED panels that contain approximately 28,000 sensors to track motion, light, temperature, and humidity, creating a unique artificial network that reacts to its surroundings.

A smartphone app is even connected to the building, directing staff to free parking spaces, free desks, and allows users to tailor lighting and temperature to their preference.

Eco Park (Forest Green Rovers)

This building is yet to be constructed, but the story of Forest Green Rovers as Britain’s most unique football club – and their plans for a new stadium – is one worth telling. Under the ownership of entrepreneur Dale Vince, they became the world’s first 100 per cent vegan club.

Their current ground, the New Lawn Stadium, has elements of sustainability, with 180 solar panels on the south stand generating 10 per cent of the electricity required to power the stadium. In 2019, planning permission was granted for an almost all-wooden stadium – the first of its kind in football.

Designed by Zaha Hadid Architects, the 5,000 capacity ‘Eco Park’ is set to be the greenest football stadium in the globe. Almost every element will be constructed of sustainably sourced timber, including the structure, roof cantilevers, and louvred cladding. ​

And that’s the list of five of the most innovative buildings in the world, with everything from technology to sustainability at the heart of architectural brilliance. With so many skilled professionals and companies inspired to push the boundaries of innovation, the future of architect is an exciting one. What will they come up with next? Who knows, but it will be worth the wait, that’s for sure.

Top Ways to Write an Outstanding Writing Plan for Your Essay

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An academic essay is about answering questions in a comprehensive and organized way. In order to achieve this goal, you should remain cautious during the planning phase. A detailed writing plan saves your time in structuring your essay logically. It helps you to add relevant information to your essay.

Create a Rough Plan

How to write an essay is a common question that bothers college students. The whole writing process can become easy for you if you create a proper plan during the initial stages. A necessary rough draft of the essay structure will discuss the purpose of the conclusion, introduction, and body section. The middle section needs detailed planning. Write down the vital point which you know about the essay topic. It will help you to keep your focus on the main central idea. You can make the body section format in the form of a mind map and bullet points, whichever appears feasible to you. Create an essay introduction strong and compelling, which engages the reader. Remain focused in the introduction section and discuss the main points you will cover in the body section. Write an essay conclusion in the end. During this stage, you can develop an overall idea about the possible conclusion. At this stage, you do not need to be detailed. Preparing a rough idea is enough to organize and structure your thoughts. Write down the essential points which you will cover in the content on a piece of paper.

You can check essays for sale to understand the whole structure and format of the essay. It will make the whole process easier for you. Go through multiple sample essays to get insights about preparing a quality essay. If you adopt such an approach, it will help you to prepare a good writing plan. It will help you to prepare a quality final essay.

Gather Information

With the help of a rough plan, get the most relevant information from online academic sources. A research paper, book, or case study will form the basis of your arguments. Include authentic information collected from different sources in the paper. It will provide more weight to your essay and make your content appealing to the audiences. Use relevant examples from real-life situations to justify your logic and arguments. It will help you to develop your essay writing skills. With time you will understand how to organize your thoughts logically in your content.

Take Notes and Read the Information You Gathered

Carefully go through the gathered information from research papers and other sources. Take notes and write down the most relevant points. Also, leave your thoughts: “Who will write my essay” at least for a moment and stay focused. You should make sure that all the information is relevant to the topic. Bookmark all the essential research papers and books. It will save you time and allow you to review them quickly. Taking a photograph of the academic sources on your smartphone is also a good option. Writing skills help you to communicate and share your problems with others clearly and concisely. Besides, you utilize useful resources for organizing your essay. You can find relevant information related to the topic as some sample articles on a wide range of topics are available on their website. You need to go through all sources of information which is relevant to your topic.

Make a Detailed plan

English writing is not as difficult as most students think. With thorough research and a detailed writing plan, you can organize your arguments logically. Revisit your rough draft and the research papers available to you. After completing it, prepare a plan for the body section, which is as detailed as possible. Go through the rough draft which you prepared in the initial stage. Add your main arguments and main sections in your writing plan. Begin every paragraph with a topic sentence. It will help you to stay focused on the main topic. Make sure that your essay paragraphs flow along nicely. The general narrative of your arguments should make sense.

Use Online Template

Use an online template to prepare your plan and rough draft. It will make the overall process faster for you. If you use a prepared and organized structure, you can synchronize your arguments with the main topic. Besides, you can connect your paragraphs. You can also use a mapping tool like Coggle or Mind42 to generate unique ideas. It will ensure that your ideas are unique.

Write Essay Draft

Remember, this is not your final content or essay. The draft is a part of the planning phase, which you can modify at a later stage. You do not need to worry about the proper format, English, or structure at this stage. If the order of the paragraphs is not correct, it is perfectly fine. Only you are aware of your mistakes. Many college going students prefer to create body content first. If this the option, you prefer you can adopt the option which is more viable to you. You can make the middle section plan more specific and to the point. It will help you in the end to organize your content.

Only when you feel fully satisfied with your body content can you start writing the introduction draft. In the end, you can make a conclusion that summarizes your content and restates your thesis statement. All this information will provide the basis of your final content. After you are finished preparing a plan and writing a draft, you can start the editing process. Some writers do not give importance to making a proper plan, making writing a complicated process for them.  It would help if you did all the hard work during the initial stages as it will save you from all worries. Besides, you will produce quality content which helps to get good marks.

If you are a college student and need essay help, it is a viable option for you to pay for essays and hire a professional writer from an essay writing service. An expert will prepare the assignment for you, which will ensure that you get high grades in coursework. An advantage of availing essay writing service is that you can ask for unlimited revisions if you feel unsatisfied with the final paper. Besides, customer support personnel will help you to resolve your issues on time.

Follow the above tips to prepare a perfect writing plan for your essay. It is a great way to make your content relevant to the topic. With a clear outline, it is easy for you to make a compelling argument. It also keeps your readers engaged.

Best Advice for Writing a Student Resume After Graduation

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Are you looking for resume tips for college students? Then you came to the right place. Our article is full of tips for when you leave college and need to think about the next step. It can be a lot to take in! Follow our advice, and you will be fine.

Do your Research

If this is your first time making a resume, then do your research. The question of how to write a great resume is not as complicated as you might think. Unfortunately, there are still rules that you need to follow. You need to practice these rules to get them right. If you go to a cheap essay writing service, they will help you. You can either look at samples that they have on their site or ask them for help directly.

Before you do anything, you need to figure out what your resume should look like. The basic format of a resume is always the same, but the details can be different. You need to find out what it is that you specifically need to do. Do your research on the type of jobs you are going for. What do they want to see? What skills should you highlight? All of this is important.

Remember you are Not Alone

Cheap essay writing service can help you in a number of ways. There is the writing side of their work, of course, if that is what you want. But essay sites can also simply answer your questions at the beginning of the process. They could also edit your work at the end of the process. Their work on writing is only one part of what they do. Essay sites can be a huge help to you during this process.

Remember that your friends are in the same boat! They will be able to give you some tips and advice that they have picked up. At the very least, they will be able to offer moral support. Why not ask your friends who have already graduated how they handled it? They are sure to have some advice for you.

Remember the Rules

Resumes are guided by some fairly strict rules. Now is not the time to try out the new font you just discovered! Keep things simple and basic, and you will fare much better.

If you want to write with the best, then you should always follow the rules. These rules include making sure your resume is no longer than a page, putting everything in the correct format, and so on. A good resume is one that looks and acts the part.

Remember that a resume that doesn’t follow the rules can actively work against you. This isn’t a case of standing out in a crowd – it’s a case of your resume will be thrown out! There are ways you can stand out among a sea of similar resumes! However, you won’t do that by outlandish fonts or structure ideas.

Look at Samples

Before you start writing your own resume, look at samples. Most resume edit service writing sites will have examples of their major writing styles for you to look at.

Try and get a number of different samples, so you can see how different people handle resumes. This way you can compare and contrast, to see what you need to do.

Look at the samples you have, and see what they all have in common. Remember that resumes have to follow quite strict rules to be taken seriously. A sample will let you see those rules used properly.

You should also look at how the resumes look different from each other. It is hard to stand out when you have to follow such strict rules. You can do it though, and these resumes will show you how.

Gather your Information

If you want to be sure of doing an exceptional job on your resume, it’s best to start outright. Make sure you have all the information you need before you start your resume. This includes:

  • Any and all employment information (at this point, you want to fill up space, so put in that weekend job stacking shelves)
  • Any and all education information – you need to put down all your education, from school onwards. This can change as you move through higher education, but for now, put it all down.
  • Any and all additional training – you should have a separate section in your resume for any training you have outside of normal education.

Having everything in one place before you start writing ensures that you won’t forget any of it. The writing process itself will also be much shorter. You won’t need to look far for your information.

Get Writing

At this point, with your resume strategies and your tips, it is time to start writing. The most important thing to remember is that you should never send in the first draft of your resume. Always try and write it out at least twice, to get your best work out there.

Writing a resume for the first time can be hard, but don’t worry. Just follow the structure, follow the rules, and you will be fine.

What you need to remember is that resumes are more tailored to a specific job than they were before. These days, people often have to upload their resume to a computer, rather than hand in a physical copy. Now resumes are subjected to a computer system. Instead of human eyes deciding whether or not to read your resume, it is an algorithm. When you write your resume, you need to be careful to have buzzwords and appropriate phrases included. Otherwise, your resume may never see the light of day!

Editing and Proofreading

If you go to a site like EduJungles and ask ‘who will edit my resume or essay for me?’ they will make sure to edit it thoroughly. You should do the same if you are writing your own resume. Editing is always important, but it is doubly so when a resume is concerned.

Remember that your resume is the first time anybody will hear about you. Also, remember that you are trying to enter the professional world! How do you think people will react to spelling mistakes? Edit your work – the smallest mistake could be the difference between an interview or no interview!

The World of Work Awaits

Our tips are very good for a resume for college students with no experience. It can be hard to try and find a job with no experience. This article will hopefully have been of some help. Just do your best with your resume. You are bound to find work somewhere.

Wise Student’s Advice for writing college term papers

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Running out a term paper is a herculean task, while it has the lion’s share in your final grade. Therefore, when a student faces the nightmarish horror of self-writing, he explores how to write a term paper. Here is the wise student’s advice to a remarkable term paper writing to tone down their headache.

Start Early

It is a wise saying, “do not put off till tomorrow what you can do today.” Well said! You might be very confident about crafting things in the head to carry out at the eleventh hour. Besides, some students prefer to work under the pressure of the deadline. Nevertheless, these strategies might have worked for you in the past. Now, it is time to change your outlook because a term paper accomplished may lose quality at the last minute. When you are in a hurry, you tend to make more mistakes. On the other hand, early writing gives you several writing benefits, like;

  • Early release of stress of writing
  • More time to proofread and edit the document again and again
  • Less stressful mind to conceive quality

As a result, it is recommended to start work on the college paper right after receiving it. Begin, get it done, and feel free to enjoy peace unless the deadline approaches.

Take Breaks

Don’t treat your brain just like a machine. When your nerves get tired, the flow of ideas is disturbed. If you prolong the stress and continue academic work, your mind may prove a terrible source of thought. Therefore, take a break and clear your mind so that it may generate exceptional ideas. Refreshing is also essential to reconsider the written work. A fresh mind can better guide you about what you have done and what to do next. However, if you take a break and still feel unable to conceive brilliant writing, consult Canadian academic writing services. The custom writing companies of this type have well-qualified and highly trained writers, always ready to work on your order. Hence, if you cannot produce a term paper, you can ask them to write it for you for only a few dollars.

Avoid Distractions

Socializing and entertainment are necessary social evils when you succeed in postponing outside distractions like parties, trips, and dinners. The challenging appeal of social media through notifications is the biggest obstacle in the way of quality writing. Thereby, it is strictly advised to keep your phone switched off while writing a college paper. Even during study breaks, you should not indulge in social media posting and messaging. It can keep you distracted for hours, resulting in low productivity and lost focus. Shortly, as a student, your first and foremost responsibility is to pay complete attention to your studies, avoiding distractions.

Give Introduction and Conclusion at the End

A college paper usually consists of three main components:

  1. Introduction: in this part, you introduce the main points with a thesis statement at the end.
  2. Body: in this part, you discuss all those crucial points in detail with an identical connection to the thesis statement.
  3. Conclusion: in this part, you sum up what you have discussed in the body.

Mostly, the first and last parts are the most perplexing segments of essay writing. Why not leave this for the end? You can begin with a term paper outline and following this by discussing the main points. When you have done the entire body section, you can generate a thesis more easily and quickly. At this point of writing, give a clear introduction and conclusion with an engaging first and final sentence. Also, when you are dealing with the first and last paragraphs, do not overload ideas. Just stay calm, clear, and concentrated while introducing and concluding your paper. In short, the best thing is to write an introduction and conclusion at the end with a calm and clear mind.

Spend Proper Amount of Time

You must have listened, “haste makes waste.” The same goes true for academic writing. Jotting down things in a hurry can result in the entire chaos of irrelevant ideas. It would be best if you did not want your professor to look at trash like this and grant you ZERO. That is why set aside a proper amount of effort and time on the task. At least two days are a must to create quality so that you may get A+.

Nonetheless, you do not get time to begin your essay unless the deadline hours are counting down. In this situation, you can get help from an online custom writing service. For example, most students are positively busy with loads of assignments and thoughts: “Who will write my essays?”. Consequently, they hire custom writing services to help them achieve their targets. Similarly, you can also hire online writers to write essays and discharge your busy student life’s stress.

Cite Class Material

Citation of your class material and professor’s lecture is one of the most recommended paper writing tips. Searching online can take more time. Meanwhile, it can impart an idea into your professor’s mind that you have not paid much attention to class studies. On the other hand, citing class material can save time, enhance impression, and improve grades. Conversely, a few online sources are not a bad idea if you need to take outside help.

Read Your Paper Loud

When you are done, begin to read your paper aloud. It will help you catch the grammatical mistakes you might skip in proofreading. You can also copy the passages and paste them into Google Translate to listen to what you have written. It will also give you fun after getting exhausted from brainstorming and typing. Just sit relaxed in front of your computer and listen to all your words through Google Translate. Although it is the final step of writing, consult online writers if you feel unable even to start it. You can easily find online places and buy essays that are already written with professional freelancers. All you need to do is place your order, send instructions and relevant study material, and set a deadline. They will generate a high-quality term paper within your prescribed time. Still, if you find something wrong, you can send the paper for free revision to get a perfect copy of the assignment.

Term paper writing is immensely stressful. Nevertheless, if you keep the tips in vision while working on a college paper, things will become simpler and more manageable. Finally, stay calm, hydrated, and healthy to pay attention to your academic assignments and achieve remarkable success in the final term.

What Is A Cash Flow Forecast?

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Cash flow is the lifeblood of any business. The simple fact is that if not enough money is coming into your business to cover what’s going out, you won’t be able to generate a profit. Rather than trading blindly, there are many techniques you can utilise to ensure you’re always in the know about your business income. One such tool is a cash flow forecast, which a local accountant can help you with.

Acting as the barometer of the health of your business, a cash flow forecast will help you manage your money better. Here’s our guide on what is a cash flow forecast to tell you more.

Cash Flow Forecasting: An Overview

Before you head out for the day, you likely consult the weather forecast first to help you choose what to wear. The same mantra exists within the business too in the form of a cash flow forecast. Cash flow refers to the money coming in and out of your business, and the forecast takes a closer look at the amount of money this actually entails.

A cash flow forecast is created on a spreadsheet where it is then turned into a visible chart. It can be measured any increment of time, such as a year in advance or every 3 months. Some businesses may even want to track their cash flow daily too. The idea is to work out your net profit once all of your expenses have been deducted.

Why Do I Need A Cash Flow Forecast?

Cash flow forecasts are useful tools to help you plan ahead. Most businesses don’t have a consistent income every month of the year. Take florists for an example, who typically have their busiest month of the year in February due to Valentine’s Day. However, they need to be able to make their cash flow last across the entire year, which is why knowing their expected profits is key.

As a business, a cash flow forecast can also arm you with the insight to be able to counteract any periods of low turnover. Perhaps like most businesses your slowest month of the year is in January. If your cash flow forecast has shown this to be the case, then in the weeks before you can come up with special promotions, or increase your marketing efforts to shake up the downturn.

How Do I Get A Cash Flow Forecast?

It’s time to turn to the good old Excel spreadsheet. What you need to enter is a list of months, along with a column for the cash inflow and outflow for each month. Depending on your accounting knowledge, you can either keep this simple or break each expense down into greater detail. At the end, you’ll need to calculate what the total net profit is for each month.

What you are aiming to highlight is good months, bad months and areas for improvement. It might be perfectly normal for your business to have a huge drop in profits in a particular month, but for other businesses, this could be a cause for concern. The results are then usually presented to the senior management or shareholders to develop a strategy moving forward. Or if you’re self-employed, you can use it to weigh up this year’s performance versus previous years. It can also tell you whether your business is viable going forward too.

To Sum Up

Cash flow forecasting is something that all businesses should use to predict what’s ahead. By doing so, you’ll be a lot more prepared for any bumps in the road. Plus, it will ensure you don’t spend too much of your profits at once, leaving you with a much healthier bank balance overall.

You can either create your own cash flow forecast or ask an accountant to draw one up for you. The benefit of the latter is that they can create an actionable plan based on the results of your forecast, to make sure your business is on track.

8 Signs You Have a Water Leak in Your Home

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Leaks in the home can easily become your worst nightmare when they are left undetected. Even the smallest of leaks can end up causing a large amount of water waste. Whether you’ve got water pressure that is lower than usual, a dripping tap, or a toilet that doesn’t stop running, if you have spotted anything that has led you to suspect that you have a water leak in your home, it’s best to deal with it as soon as possible before things get worse.

While most of us consider the worst leaks to be huge problems like burst pipes that gush water throughout your home, it’s actually the small leaks that sneak up on you that most often lead to substantial leak damage. This is why it’s so important to routinely check for any signs of leaks and pipe damage in your home. Keep your eye out for these common signs.

Higher Than Usual Water Bills

If you’re not using more water than usual yet your water bills are on the rise, this is a big sign that there could be a leak in your home. Determine if there is a leak by checking the leak indicator on your water meter. You can do this by turning off all water appliances in your home and outdoors then check the leak indicator; if the dial is still moving, then there’s a high chance of a leak. You can also take a meter reading and then repeat in a couple of hours; if there is a difference, then it’s likely that you have a leak. However, this doesn’t help you identify exactly where the leak is coming from, which is where it’s a good idea to get Trace and Access experts from Pinpoint in. If you have Trace and Access cover in your home insurance, Pinpoint can help you quickly identify and expose hidden water leaks.

Wet Spots

Noticing wet spots on ceilings, floors, or walls can often be a top sign that a water leak has occurred. These will often appear as condensation, discoloration, or obvious wet patches. If you notice them, it’s best to have them dealt with immediately by finding the source of the leak and repairing that, before repairing any water damage that has occurred. If left unchecked, wet spots in your home can eventually lead to mould and mildew and cause even bigger problems.

Toilet Issues

It’s often easy for any issues with the toilet to go unnoticed as they are often silent and out of sight. However, if you have noticed anything unusual when you are using the toilet, it’s best not to ignore this. A toilet that is constantly running, for example, or issues with the flush are some of the most common indicators that you have a hidden leak in your bathroom. If your toilet can be heard making a gurgling or hissing sound even when it is not being used, this can be a tell-tale sign of a larger leak.

Hot Floors

If your floor feels warmer to the touch than normal, this could be a sign of a slab leak, which occurs when hot water heats up the concrete foundation which in turn causes the temperature of your floor to rise. It’s best to act quickly if you have noticed that your floors are warmer than they should be, since a slab leak is often difficult to detect and can cause serious damage to the foundation of your home when left unchecked, which can significantly impact your property as a whole.

Mould and Mildew

While some mould and mildew may be expected after some time in areas like the bathroom or around the kitchen sink, if you have noticed either of these on walls where there is not a shower or a tap nearby, it could be a sign that there is a pipe leaking behind the wall. If you’ve noticed mould and mildew appearing in your home with seemingly no good reason, it’s best to call a professional to detect the leak as soon as possible. If left unchecked, mould and mildew can not only wreak havoc with your home, but can also lead to several health issues.

Bad Odours

Constant, bad odours from drains or sewers that linger even after you have cleaned up are not normal. Common areas where these leaks could occur include the bathroom or kitchen, so it’s a good idea to thoroughly deep clean them if you suspect that there might be a leak. If the smell is still there after cleaning, this could be a sure sign that a leak has occurred.

Low Water Pressure

If your water pressure has suddenly dropped, this could be another sign of a leak somewhere in your home. Even a small leak in your water line can cause the water pressure to decrease, so if you’ve noticed that the pressure is not as good as it used to be, chances are that a pipe could be leaking somewhere. If there’s a sudden and drastic drop in water pressure in your home, this could mean that a significant leak has occurred.

Dripping Taps

Dripping taps are one of the most common causes of water leakage in the home and they can be both wasteful and downright annoying. Just one leaky tap can waste a massive 1,000 gallons or more per year. However, the good news is that when it comes to common household leaks, these are one of the easiest to fix if you know your way around some basic household tools and most of the time, they only require a quick fix like a replacement washer to stop the dripping.

When left undetected and unchecked, leaks will only get worse and can cause some significant damage to your home. If you have noticed anything unusual in terms of the water in your home or have picked up on any tell-tale signs that could be indicative of a leak, it’s important to call an expert to have it professionally checked as soon as possible.

How to Save Money on Your New Boiler Upgrade

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Do you need a new boiler in your home? If your boiler is more than ten years old, is regularly breaking down or has shown dangerous signs of a carbon monoxide leak like burning a yellow flame, then it’s probably time to think about getting a new one. However, buying and installing a new boiler is one of the biggest expenses that homeowners in the UK will have to deal with. The good news is that when it comes to getting a new boiler, there are several things that you can do to avoid paying more than you need to and cut the cost of this expensive yet necessary purchase for your home.

How Much Do Boilers Cost?

The price of your new boiler will vary based on the brand, type and size. Boilers can vary significantly in price, ranging from just £600 to over £2,000, according to Which? magazine. However, it’s important to bear in mind that the price of the boiler does not always necessarily mean that you are getting a top- or low-quality model. It’s very possible to get a great boiler at the lower end of the price scale, just as you could end up with a boiler that gives you a lot of problems even after paying out thousands.

So, it’s important to do your research, shop around and find the best boiler for your budget. Read reviews to determine how reliable a certain make and model of boiler is likely to be. You can get a new boiler quote that suits your budget at BoilerQuotes. You can compare boiler quotes for a new boiler here by just answering some quick questions about your home, budget and other needs – it should only take a few seconds.

Cost of Installation

When setting a budget for your new boiler, don’t forget to include the cost of boiler installation. This can also vary quite a lot depending on a range of different factors including any parts required, the type and amount of work needed, the engineer that you hire for the job, and the type of house that you live in. A straightforward combi boiler replacement in the same place as the old one will typically cost around £540, while you can expect to pay over double that if you want a new combi boiler system installed in a new area of your home. You may also need to consider the cost of additional jobs such as moving pipes or a chemical or mechanical flush of your heating system.

Shopping Around

Shopping around is the best way to make sure that you are getting the best price for your new boiler. This is especially true when it comes to installation. It might be more convenient to simply pay for installation from the company that you purchase your boiler from, but this might not always be the cheapest move. You can start with getting quotes from energy companies like British Gas; however, it’s usually around one-third cheaper to go with an independent trader instead. You can find certified, approved engineers at Worcester Bosch, the Competent Person Register, or the Heating and Hotwater Industry Council.

Know Which Boiler You Need

Identifying the type of boiler that you have should be the first step when it comes to figuring out the type of boiler that you will need. There are three main types of gas boiler which include combi, system and heat only. Combi boilers are typically the cheapest options to both purchase and install since they run the hot water in your home as and when it is needed, meaning that they do not require you to have a separate hot water tank alongside the boiler. The majority of homes find that a combi boiler is an ideal choice and, in most cases, you will not need to consider the other boiler types unless you have multiple people using hot water at the same time or there is a very high heating demand in your home. It’s also worth considering the energy efficiency rating of your new boiler. While a more energy-efficient boiler may cost more upfront, it’s likely to help you save significantly on your energy bills over time.

Boiler Grants

You may also be eligible to get a grant for replacing the boiler in your home. Under the Energy Company Obligation (ECO) scheme, people who own their own home could be eligible for a boiler grant or money towards a grant if their boiler is over ten years old. However, bear in mind that this funding has become more difficult to obtain recently, with qualifying criteria more stringent when it comes to getting the remaining funds. In addition, it’s also worth bearing in mind that the boiler installed via these grants tend to be budget boilers with limited lifespans that might be more prone to breaking down and faults.

Get a Long-Term Warranty

Along with ways to save money on the upfront cost of your boiler and installation, it’s also worth considering if there are any ways to save more on the ongoing cost over time. Opting for a company that offers a long-term guarantee or warranty will give you peace of mind that you are covered if your boiler has any issues in that timeframe, allowing you to save money on potentially costly repair bills. And, getting a long guarantee from your boiler provider will also eliminate the need for you to purchase extra boiler cover for that time period since the manufacturer’s warranty will cover you instead.

Maintenance and Services

Finally, once you have chosen and installed your new boiler, regular maintenance and services are important for keeping it running well and avoiding any costly repair bills. Ideally, you should look to have your boiler serviced around once per year by a certified Gas Safe engineer. If your boiler is under warranty, check to see whether regular servicing is included in the cover.

Getting a new boiler is a huge expense for homeowners to face. Keep these tips in mind to ensure that you’re not paying more than you need to if you have to upgrade.

4 Tips for Success in Fashion Retail

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New designers are advertising their fashion lines on social media, hosting local fashion shows, and even opening boutiques in droves these days. Online retailers are doing well as consumers love to have their orders come directly to their front doors. Casual shoppers enjoy browsing smaller retail stores because of their intimate feel and hands-on assistance and customer service. Regardless of how or where you plan on selling your fashions, if you are going down the retail route, you should follow these four tips. 

1. Sell Clothes Your Consumers Want to Wear 

Sometimes, you can see an outfit on the runway that is beautiful beyond words, but the real question is how it will translate off the runway in real life. All in all, consumers want to wear clothes that are modern, comfortable, and eye-catching. Some want to duplicate looks that they have seen celebrities wear, while other shoppers are more concerned with following their own personal signature style and aesthetic. Get an idea of who your shoppers are going to be and what they enjoy wearing the most. This will help you as you get into partnerships with designers to carry their lines and make exclusive deals.

2. Buy Mannequins of All Shapes and Sizes

In order to successfully sell clothes in a retail setting, you have to showcase the various styles your company has available. If you just put a dress on a hanger and take a picture, you won’t have much interest. This is because it takes effort and know-how to showcase clothing and make them look really good. At an online mannequin shop, retailers have the opportunity to find the perfect models for their clothing on offer. Purchase plus-sized mannequins, or child-sized mannequins, or even gender-neutral mannequins to appeal to shoppers of all types. Have your plenty of mannequins in your retail store so consumers know what each outfit looks like on a 3-dimensional form.

3. Don’t Forget About Discounts 

Retailers sometimes get the biggest number of sales when they start offering their merchandise at a discount. You don’t need to mark everything down by 50 percent to see sales, but you should think about giving your best customers a break on pricing to encourage them to spend even more. Email promotions announcing storewide sales will send more traffic to your website, as signs hung up in retails stores usually gets more people to come in off the street. 

4. Advertise According to Season 

Some types of fashions, such as jeans, can be successfully sold summer through winter, rain or shine. On the other hand, there are other kinds of fashions that are restricted to specific seasons, like swimwear and winter coats. The best way to be successful in fashion retail is to start advertising new lines and collections of clothes just ahead of the corresponding upcoming season. So, if it is the end of the summer, you want to promote all of the new and hot fashions you will be selling in the fall. Be ahead of your competitors by talking about upcoming trends so that consumers will want to look at what you have on offer. 

It isn’t easy to be successful in retail fashion as there are lots of different brands selling similar items and styles. You should have a plan in mind before you open a store, online or off. Once consumers come to trust your judgment and sense of taste, they will visit your website or come to your store just to see what’s new. Always be on-trend, well dressed, and personable as you will be the most vocal spokesperson you have to promote your retail fashion store. 

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