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How Sustainability is Shaping Bridge Construction

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Concern over sustainability has never been greater, and many are looking to construction and engineering to ensure structures from here on out are greener and more sustainable than structures of the past.

When it comes to discussing sustainability in construction, the conversation inevitably turns green – that is, environmental factors are often pulled into the foreground. But there are many more sustainable elements that are shaping construction, and in particular, bridge construction.

True sustainability

True sustainability revolves around three “pillars”, each of which contribute towards creating a process that is workable on all fronts. These include social, environment, and economic measures.

A quick look online for sustainable bridge construction shows the heavy-handed environmental approach as posed “solutions” to this conundrum. But while green materials and habitat protection are vitally important in bridge construction, greener moves alone will not achieve true sustainability. The build must consider the environment, but it must also balance or improve the economy it is built within, and balance or improve the social situation of the area it is built in.

Bridge construction will inevitably consume resources through raw material and manpower. This, says Man-Chung Tang, a bridge engineer who writes extensively on sustainability, must be balanced in order to develop sustainable construction processes. Tang illustrates this with a simple equation: Balance = Supply – Demand. So long as the “Balance” remains neutral or positive, sustainability has been achieved. This varies, of course, depending on unique factors city to city, country to country, and bridge to bridge.

Social, environment, and economic pillars

Social

Every bridge project needs to be designed for the society is it serving. Though it seems like a basic concept, in terms of sustainability, taking into account all the factors of the areas the bridge is connecting is a complex task. Once, it may have been enough to simply be of use – now, bridge construction does not only serve the current population, but aims to be built in such a way that it can serve future generations and meet their needs too.

Environmental

This pillar has been spotlighted heavily in recent years, and for good reason. Every industry has been guilty of using more resources than they produce, though the construction sector has been making huge strides in correcting and improving its environmental processes.

But as Tang points out: “The term ‘greening’ represents reducing consumption and encouraging the replacement of conventional fuels with renewable energy. Even though greening may help us to be more environmentally responsible, it cannot solve the fundamental problem of sustainability. As long as the Balance B  [in the equation] is negative, we cannot achieve sustainability.”

It is important, therefore, that we do not simply equate environmental practices with true sustainability.

Economical

In terms of a bridge or structure’s economic “pillar”, the outcome of the project must be equal or higher in value than the cost it took to make it. Of course, a structure’s value versus its raw material costs is certainly addressed in the early stages of developments – few companies would agree to build a structure that could not be sold for profit!

Sustainable bridges

In truth, the bridge fabrication sector has already adopted as many sustainable processes as it can in terms of its supply chain, raw materials, and social impacts. Experts suggest that the best way for bridge fabrication and construction to further itself in sustainability is through extending the life span of bridges. As Tang points out in his research paper: “A bridge that lasts 300 years instead of 100 years is equivalent to a reduction in environmental impacts by 66%.”

There are over 50,000 bridges on the UK’s local highway network, and they are covered by a limited maintenance budget of £6 billion for six years (up until 2021).

Bridge maintenance is definitely in the foreground for the future of sustainable bridge construction. No longer will a 50-year life span be considered adequate for a bridge’s duration of service – with improved rehabilitation and repair, bridges will be expected to keep on providing a safe and valuable service socially, environmentally, and economically, for many more years.

But there is one area that Paul Gauvreau, professor of civil engineering at the University of Toronto, suggests has been overlooked by the three-pillar method – particularly when it comes to bridge construction. That hidden, fourth pillar is education.

Gauvreau posits that sustainability in bridge construction must be shaped by improving education for engineers. In doing so, future engineers will be better equipped to come up with new ideas that will push bridge design and construction away from “copies of standard designs”; standard designs of the past which have, perhaps, not been as sustainable as we might have hoped.

“Because these works incorporate no new ideas, they do not create value,” the professor said in his study on sustainable education for bridge engineers. In terms of educating bridge engineers in such a way to help new ideas flourish, Gauvreau says: “The primary benefit that society can reasonably expect from the education of future bridge engineers are bridges that create value through new ideas. These bridges will be capable of performing their practical function for less money than currently available solutions”

By balancing the three pillars of social, environment, and economic value, construction can certainly achieve a new level of sustainability. However, by also acknowledging the fourth, hidden pillar of improved education, bridge construction in particular can benefit from new ideas, new value, and as a result, a new understanding of sustainability.

Sources:

Tang, Man-Chung. (2015). ‘Sustainability – A bridge engineer’s viewpoint’. 18-24. 10.14264/uql.2016.931.

Balogun, Teslim & Tomor, Adrienn & Lamond, Jessica & Gouda, Hazem & Booth, Colin. (2018). ‘Sustainability of Bridge Maintenance. Proceedings of the Institution of Civil Engineers – Bridge Engineering’. 172. 1-27. 10.1680/jbren.15.00027.

Gauvreau, Paul. (2018).  ‘Sustainable education for bridge engineers’. 510–519. Vol 5. Issue 6.

https://www.researchgate.net/figure/Three-pillars-of-sustainability-Adams-2006_fig1_275886183#:~:text=Indicators%20have%20been%20grouped%20into,basis%20for%20the%20equations%20definition

70% of Workers Are Considering Shifting Careers Due to Covid-19

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The current situation has led many of to assess our futures and the potential risks our careers could be facing, with pandemics and automation causing some of us to lose our jobs. This begs the question: how can I future-proof my profession? 612,000 UK workers lost their jobs during lockdown over the last two months, as well as the Office for National Statistics (ONS) reporting that 1.5 million people are at high risk of losing their jobs to automation.

A loophole in the government’s Job Retention scheme is allowing employers to pay their furloughed staff reduced wages during their notice period if they are made redundant, with almost nine million workers being furloughed and most having to accept at least a 20 per cent pay cut. Employment tribunals may be sympathetic, however there’s no guarantee that disputes will be processed.

Here, we’ll discuss how you can look after yourself in the event of another crisis in the future and panic-proof your profession.

Important things to consider

Firstly, try to avoid zero-hour contracts. Of course, for some, decisions like these may not be possible with limited choice or needing a job immediately to foot the bills. According to the latest figures from ONS, there were 974,000 Britons on zero-hour contracts in December 2019 — the highest figure yet. However, many of us on these contracts don’t earn enough money to be eligible for sick pay, putting us at risk of being abandoned and penniless in times of crises or illness.

Try to get a job with contracted hours to protect yourself in the face of another crisis.

Resilient industries

According to research by Totaljobs, 70 per cent of workers are considering working in a different sector that has proved resilient in light of Covid-19. Although a sector in particular that sustained and even took on more employees — supermarket store assistants — this role has a high 72 per cent risk of automation in the future due to the routine and repetitive nature that can be automated through algorithms.

So, what jobs will be safe? In a digital age, we must understand and accept that a change is happening in order to protect our futures. Although automation will also create new kinds of jobs, that will require a global shift in training.

Human experience

Doctors and nurses remained vital in the pandemic to look after sick people and will likely be safe from artificial intelligence in the future. Although technology will likely be used alongside workers to enhance treatment, diagnosis accuracy, delivery, and general support, machinery won’t ever be able to provide a service that requires connecting with humans and understanding them on an empathetic level. Helping people heal and being emotionally supportive can only be given by someone based on social intelligence and shared experience, rather than data and algorithms.

Teachers also survived lockdown, albeit transitioning to an unconventional and new way of work by delivering lessons online. Even though schools are shut for the time being, there have been no major job losses reported so far, as education will always be required and children will eventually return. Software for meetings and productivity such as Zoom and Microsoft Teams have facilitated digital learning for schools and universities as a one-stop shop for all communication, including messaging, voice and video calls with large groups of people, file storage, and document sharing. Is this the future of education?

Teachers are given important roles with high responsibility — nurturing the growth of children and helping those who are vulnerable requires emotional intelligence similar to health professionals which robots cannot mimic or replicate effectively enough to entirely replace humans. Like caretakers, people likely wouldn’t feel comfortable trusting children and vulnerable individuals to be looked after by robots.

Rage against the machine

What is one thing Covid-19 proved? That technology prevails — so think digital. As mentioned previously, education is delivered online as well as certain jobs that can be done remotely. Meetings are happening on Zoom and so on, making many digital jobs possible when you have the right technology in place. Although there will likely be some element of automation expected in sectors like digital marketing, the human knack for creative flair will always be required, something which robots aren’t capable of.

STEM sells

Similarly, a 2019 report by McKinsey forecasts that STEM (science, technology, engineering, and mathematics) careers could show strong growth despite automation. Highly skilled jobs will likely be the most protected. Tesla CEO Elon Musk agrees that automation will need humans to oversee and manage them — skilled scientists, mathematics, and engineers will be required to make sure things are running smoothly and to help keep technology developing. Advanced jobs that will be created by technology in the future will need like-minded individuals.

Likewise, in crises such as pandemics, STEM industries will be essential in keeping the world moving forward and progressing to combat challenges such as creating vaccines and developing technological solutions. For example, new solutions will be needed in the future to facilitate social distancing and resilience to disease.

Catherine Noakes, professor of environmental engineering at University of Leeds, said: “From an engineering perspective the need to make buildings resilient to future pandemics must be combined with meeting environmental resilience.

“The current response is focused on the here and now, but we need to look at the future and consider how to prevent disruption during future pandemics.”

While it is hard to predict what the future holds for the global workforce, the best advice is to keep on developing transferable skills and research which industries are doing well.

Sources

https://www.thesun.co.uk/money/11088710/zero-hours-workers-sick-pay-coronavirus/
https://www.thisismoney.co.uk/money/news/article-8301899/Pandemic-proof-jobs-Six-sectors-proving-resilient-crisis.html
https://www.bbc.co.uk/news/business-47691078#:~:text=Some%201.5%20million%20people%20in,the%20next%20most%20at%20risk.

Approval for US- based company to deliver Coronavirus testing technology throughout Nigeria.

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Nigeria will be receiving an approved multi-functional Coronavirus testing technology due to a new partnership between United States based company Black Glove Holdings and manufacturers Natuurs Direct. The testing kits will be dispersed throughout the federation after being given the all clear by the EUA (Emergency Use Authorization and the FDA (US Food and Drug Administration).

Dr. Pritesh Kumar has been selected by Natuurs to administer advice and upholding qualities regarding the approved service. The business will be able to grow due to Kumar’s extensive experience and connections within the industry as well as his consultation background.

Dr Kumar states: “I’m happy to be the support source for this organization. My scientific background will assist in aiding clarification of the system as well as financial benefits.”

Both companies have ability in providing a current and relevant strategy within this manner of services. As a whole they have a wide range of expertise throughout their team in sectors such as; pharmaceuticals, diagnostics and manufacturing. 

Jörgen Van Dijk, Chief Corporate Office for the company says: ‘Our objective is to support and manage the training and development of deploying these COVID-19 testing technologies. We are aware that there is a very high demand due to the current crisis so will use our scientific expertise to achieve this deployment as safely and efficiently as possible.”

Black Glove Holdings are aware of the urgency surrounding their  services and are working closely with the Government to ensure a successful delivery. The first deployments will be: Niger and Lagos. This will closely be followed by Osun, Ekiti, Oyo, Ogun and Nassarawa.

Jörgen Van Dijk, Chief Corporate Officer, +1.347.371.1058

6 Best Drop Servicing Niches for Beginners (2020) – By Dylan Sigley

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You’re excited to start your drop servicing business, but you just can’t seem to choose which drop servicing niche you’re going to go with? If you’re a drop servicing beginner, it can be tough to choose a niche.

What makes a drop servicing niche good? 

People often ask me, “Dylan Sigley, what makes a good drop servicing niche”, well kind reader, a good niche is one that’s simple, easy to explain, easy to sell, and, of course, highly profitable. 

In this article, I’m going to outline 6 of the best drop servicing niches to start with. 

If you’re short on time, here they are:

  1. YouTube ads for e-commerce
  2. Animated sales videos
  3. Facebook advertising 
  4. Graphic design
  5. Web development for Shopify
  6. Blog and article writing

I highly recommend reading the entire article, so you can best figure out which niche to start with and remember to check out all of the Dylan Sigley social media accounts to learn more drop servicing strategies and tactics.

Where to start according to Dylan Sigley?

You’ve made it this far, and you’re all set to start your drop-servicing business. 

But, where do you even start? What’s the perfect niche for a drop servicing business? Ideally, you want to choose a niche that is highly profitable, easy to understand, and easy to sell. The more simple your business is, the more understandable your offer will be, and the easier it will be to operate your business as it grows, and inevitably gets more complicated. 

Choosing your niche isn’t like choosing who you’re going to marry. If you start with animated videos for Saas companies, you don’t have to continue with Saas animated videos for the next three years. That’s the beauty of drop-servicing, and running your own business.

You can start with a particular niche, focus on it, make it work, build systems around it, and then switch to another offer later. The most important thing is that you’re putting your offer in front of decision-makers that have an online presence, and have the budget for your digital services at the price you’re marketing them for. 

The 6 Best Drop Servicing Niches According To Dylan Sigley

Let’s get started with the six best drop servicing niches. Just a warning, these aren’t the only six you should choose. There are plenty of other niches that can work well, and if you’re well-versed in a different service, then maybe it’s a better idea to go with that, to begin with. But, if you’re stuck for ideas to get going, these 6 niches are a winning starting point as they’re in demand, simple and easy to sell. 

Dylan Sigley

1) YouTube ads for e-commerce. 

YouTube currently doesn’t have many advertisers, or at least advertisers that know what they’re doing. This means YouTube ads are relatively cheap and low competition compared to other advertising methods.

E-commerce itself as an industry is blowing up more than ever and it’s moving to YouTube. YouTube agencies, in general, are getting clients easy because there are so few agencies that specifically specialize in YouTube. There are so many writing agencies, SEO agencies, and design agencies, but how often do you hear of a company that’s specifically focused on YouTube advertising? Exactly. 

What I recommend you do is target e-commerce companies using Facebook ads, and if you set up the Facebook ads right, you should get some interest from companies willing to invest in video ads to help promote their products on YouTube.

2) Animated sales videos

First of all what are animated sales videos? 

Animated videos are a great niche as it’s a simple product, with a simple proposition. Generally, the goal with an animated sales video is for a business to have a short 60-second video that explains what their business or product does. For example, you could choose to target Saas companies because technology products usually need some explaining to sell well.   

3) Facebook advertising 

A Facebook ad agency is a great idea as many companies could benefit from Facebook advertising. This is true whether they are e-commerce companies or a local bricks and mortar business like gyms, chiropractic clinics, or coffee shops. They all need more exposure to stay relevant in their markets. If you can brand your Facebook ad agency as an authority, and you present yourself as knowing what you’re doing, Facebook ads are easily sold. This works even better when you target a business that has little experience with paid advertising platforms. The value you can add is huge, and it’s win-win.

One way to do this is to target businesses that have Facebook business pages, but haven’t put much effort into promoting their business on Facebook. It’s easy, low cost, and a simple offer to make. You could get going with this right now with targeted email campaigns.

4) Graphic Design 

Graphic design is an incredibly broad and generic niche, but if you can focus your offer on a specific part of graphic design that’s highly profitable and easy to systematize, graphic design can be a highly profitable niche. 

Perhaps, your graphic design offer is specifically focused on logo designs, ad designs to maximize a company’s click-through rates, or power-point presentation decks.

You can go on websites like Upwork to find the most successful graphic designers and see what services they are offering. What are they specializing in? Who’s charging the most and who’s getting the most jobs?

Once you’ve done this research, have a look at other service companies offering the same services to get an idea of what you could be charging and how to present your offer.

5) Web Development for Shopify

As mentioned before, e-commerce is exploding online and isn’t slowing down. Shopify is an incredibly popular platform where people can build online stores for their products, whether they make their own, or utilize a dropshipping business model.

Shopify provides a super easy framework to start a store and even has decent paid options enabling customization and coding. The more professional store owners are going to want that custom look and feel and may not have the expertise to execute it. This is your drop-servicing business opportunity.

If you can create a drop-servicing business model around custom Shopify stores, you’re giving yourself a big advantage against a generic web developer who also happens to do Shopify ecommerce web development.

Why? Because store owners just want it done. They don’t know or want to get involved in the technical negotiations that go with hiring a generic software developer. Your drop-servicing business is selling convenience, and ‘done for you’ execution. It’s a perfect business in a high growth industry. 

6) Blog and article writing

Great writing is valuable to a business. Every business needs some level of writing whether that’s product descriptions, white-papers, email copy, landing page copy, technical writing, the list goes on!

Blog and article writing. though. is a very common form of writing with many businesses wanting regular content to engage and motivate their target audience, while not having the in-house writing expertise to execute it. This is where your drop-servicing business comes to the rescue.

The issue is that there’s a ton of competition, and when starting it can be difficult to stand out from the crowd if you’re offering to write blogs on any and every topic under the sun.

The best thing to do in this case is to specialize. Create an article writing business around for example CBD, dentistry, coffee, tech, or Saas start-up topics. Any specific niche, that you can get market share and be a specialty drop-servicing company for that industry.
 
Think about it for a second, as a founder of a Saas company, would you rather pay a generic article writer or pay a little more for a company that focuses specifically on writing for Saas companies. The specialty company would be the obvious choice.

To wrap this up, it’s about picking a niche that’s been proven to work, focus in on a specialty and niche, to begin with, and stay consistent with it.

You’ll be able to make sales, and over time you can expand your offers, make them more general, expand into other niches. To begin with, though, keep it simple.

Get started. Today. Choose one from the list above or something similar and just stick with it until you start seeing results. What a lot of beginners do is spend weeks or months, trying to decide on the best option. Remember, guys, if there’s a demand for it, you can make sales happen with drop servicing. Just remember to focus on the client. How can you provide value to them? How can you make your offer irresistible and more desirable than your competitors?

It’s all about creating an affordable “done for you” offer where all the clients need to do is pay money, and have everything done for them. To help you on your journey be sure to check out all of the free step by step tutorials on drop servicing you can find on the Dylan Sigley Pinterest.

Dylan Sigley

Dylan Sigley has been running drop servicing businesses since 2015. At this point he has made over a million dollars across his businesses and now focuses on his education business the Drop Servicing Blueprint. Dylan

How has COVID-19 affected used car prices? Two experts give their opinion

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Used car prices have risen steadily since the pandemic started all the way back in March. Despite early reports of a lack of demand as millions were locked down at home, many car dealers are now reporting a surge of interest.

Luckily, if you’re over 55 and looking to purchase a second-hand car, you could use your property wealth to do so. Excellent financial products, like equity release, are helping older homeowners access money to purchase necessities in these tough economic times. As such, the equity release industry rapidly grew in 2021, reaching a staggering £4.8bn, and 80% of experts predict further growth for 2022.

The used car market in the UK is a traditional case of “supply versus demand”: there are fewer new cars being sold, and many customers are looking for a cheaper, used car rather than an expensive new one.

A car history check helps and protects you from buying a vehicle with a hidden history. Carrying out a registration check on fullcarchecks.co.uk helps verify if a car is written off, scrapped, stolen or has outstanding car finance. 

Coupled with the rumoured difficulties in obtaining credit, it is not surprising that demand for second-hand vehicles is rocketing. According to James Bidwell of FreeCarCheck.co.uk, many dealers have seen “unprecedented demand not experienced for many years”.

High demand nearly always equates to prices going up and the UK used car market is no exception.  Many customers find it hard to believe but, according to Cap HPI, in some cases used car prices have gone up by as much as 12%. In a world where used car asking prices nearly always drop with the passage of time, this is almost unprecedented.

Before lockdown started, the prices of used cars across the UK continued to drop slowly month-on-month. But as soon as lockdown began in March, analysts could see that demand was surging. Quite simply there was not enough stock to fulfil all orders.

Now that volume is returning to the market and car makers such as Honda and Toyota are ramping up production once again, most dealers expert the price rises to peter out soon, and for value to return to the used car market.

Data & Insights Director at Auto Trader, Richard Walker, believes that used car prices will “fall gradually from now on”. However he is clear that it’s extremely unlikely that there will be a cliff-edge plunge:

With the government’s furlough scheme ending in October, coupled with weakened consumer confidence and unemployment rumoured to hit 4 million, it’s unlikely that prices will continue to rise.

As people’s financial situations darken, the number of PCP-financed cars on the market is also likely to decrease. Obtaining credit becomes more difficult as jobs are rendered less secure, and there is likely to be a steep increase of worried customers trying to voluntarily terminate their PCP contracts. In other words, “handing back” their rented vehicles, which will increase used volumes further.

Another expert, James Bush of Motorway.co.uk, says: “We don’t expect to see a softening in demand for used cars when furlough ends. It’s the new car market that’s likely to suffer.”

Even with furlough ending many people will still purchase used cars but might look for alternative age and models that are either more economical or cheaper in overall value. It however still remains to be seen if the Government will come up with any further props or schemes to increase volumes.

Sources: https://cardealermagazine.co.uk/publish/exclusive-will-happen-used-car-prices-furlough-ends-experts-give-us-opinion/200194

Important Things to Consider Before Taking Out Equity Release

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Taking out an equity release plan is a big financial commitment, similar to taking out a mortgage, so it’s important that you do some thorough research to find out all the details before you apply.

Talking to an experienced and reputable equity release broker or advisor is often the best way of finding the most suitable product for your personal needs and circumstances.

This article will outline some of the important things that you will need to consider before taking out equity release.

How much you can borrow and how you’re going to use it

Equity release is a very good way of releasing any money that you’ve got tied up in your property, but it should only be taken out if you have a specific need or use for it; not if you just want some money sat in the bank.

Common uses for equity release include:

  • Clearing other debts like mortgages, secured loans or large credit card balances.
  • Boosting retirement income so you can have a higher standard of living.
  • Making improvements to your home, like an extension, new kitchen/bathroom, or anything that makes your home more suitable for when you get older.
  • Providing financial support to family instead of them having to wait to receive an inheritance.
  • Funding holidays and other once-in-a-lifetime experiences.
  • Inheritance tax planning.

It’s also important to figure out exactly how much you need so you don’t borrow any more than necessary. Borrowing more than you need will just cost you more in the long run because of the interest charged. The best way to find out how much money you can release from your property is by using an equity release calculator

How it will affect your family’s inheritance

With the majority of equity release plans, no monthly repayments are required throughout the term of the loan as the capital and interest are repaid from the sale of your property when you pass away or move into a permanent care facility.

This means that it will affect what you’ll have left in your estate as an inheritance for your beneficiaries.

If you’re not planning to use the money released to give your family an early inheritance or to help them out financially, then you may want to consider having a conversation with them so everyone understands what the implications are. Most people should be supportive of their parents using the money to improve the quality of their own lives first, but having the conversation now will save any potential family rifts later down the line. You may feel uncomfortable yourself about leaving less of an inheritance to your children, so talking to them should make you feel more at ease with the decision too.

Whether you can afford to make monthly repayments

When you’re looking at the different equity release options, something to consider will be whether you can afford to make any monthly repayments towards the interest.

Most plans don’t require any monthly repayments, but some do allow for this. If you can afford to make payments, then this will substantially reduce the amount that you’ll owe at the end of the term.

With equity release, the interest charged is compounded. This means that you’ll pay interest on top of interest. So, if you can pay this off on a monthly basis then it will stop it from building up so substantially.

How it will affect your entitlement to certain benefits

As equity release technically provides an income, it can affect your entitlement to certain means-tested benefits. This could have an immediate effect, or it could be in the future, so it’s something that you need to take into consideration.

Before you take out an equity release product, your advisor or broker will be able to do a full benefits assessment and let you know how you’ll be affected.

Whether you’ll want to move house in the future

If you think that you may want to move house after taking out an equity release plan, this is something that you should discuss with your advisor. As long as your lender is a member of the Equity Release Council, you will still be able to move house as long as your new property is suitable security for the loan.

Are Payday Loans the Future of Short-Term Financing?

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Stories of irresponsible lending, extortionate interest rates and ridiculous fees and charges hit the headlines just a few years ago, leaving many people sceptical about payday loans. But since then, a lot of changes have come about in the industry, with new government regulations introduced to ensure that payday loan companies are lending responsibly, and protecting borrowers from financial harm if they are unable to make repayments. The payday loan industry has had a complete overhaul, with irresponsible lenders shut down, and lending companies working towards fairer, more responsible policies.

Today, there are several trustworthy and responsible payday lenders to choose from, providing an ideal option for those who are in need of quick cash. Here’s why payday lending could just be the future of short-term financing.

It’s Quick and Easy

Borrowing a short-term loan has never been easier. Whether you need to repair your car or replace a broken kitchen appliance, if you don’t have the funds available right now, you can easily get the exact amount that you need in mere minutes. Typically, you will apply for a short-term loan online by entering personal and financial details that the lender will use to determine whether or not they can responsibly allow you to borrow the funds that you need. No need to visit the bank, or wait days for approval – you can have the funds you need to fix whatever financial problem you are dealing with on the same day.

Borrow Small Amounts

Sometimes, you may be in need of just a little bit of quick cash. For example, let’s say your fridge has broken and you need just £100 to purchase a new one second-hand so that you can quickly get your food into it and not have to worry about losing that too. Along with being quick and convenient, payday loans are typically available in small amounts. That way, you don’t have to borrow much more than you actually need in order to cover your unexpected expense, as might have been the case in the past.

Bad Credit Options Available:

If you’ve got a poor credit rating, the chance of being accepted for a loan from the bank is fairly slim. Typically, you will need at least an average credit rating to be accepted for a bank loan, and they are often quite large amounts – it’s unlikely that your bank will lend you just £200. Thanks to the wide range of payday lenders available, even those with a poor credit rating can find an option that is suitable for them. Many payday lenders don’t just look at your credit score; they will also take your income and expenses into account, and base their decision on how likely you are going to be able to repay the loan comfortably rather than your past experiences with money.

Several Lenders to Choose From

Finding the right payday loan for you is easier than ever. Payday UK, for example, is a trusted broker that works with a panel of reputable direct payday lenders. All you need to do is enter your details into the form at paydayuk.co.uk, and they will search their panel for lenders who are willing to provide you with the funds that you need. This can make the whole process of getting a loan much easier, since you can minimise the risk of your credit rating being negatively impacted should you apply for a loan that you are not eligible for and get rejected. And, it allows you to compare your options from various different lenders in very little time. Brokers like Payday UK are changing the public perception of payday loans by taking their customers’ finances very seriously, only suggesting loans and lenders that borrowers are actually eligible for, and only working with responsible lenders who ensure that borrowers are able to make repayments before paying out.

Short Repayment Terms

Perhaps you want to borrow money, but the last thing that you want is to be tied down to a longer repayment term. Borrowing a payday loan means that you can get the debt repaid in a very quick time frame, so you don’t have to spend the next few years budgeting to repay it. Since you can borrow very small amounts from payday loans, you might find that it’s easy for you to repay the loan in full on your next payday, or there’s the option to spread your repayments out over several months and smaller payments, which is ideal if you would struggle to repay it all at once and want to avoid getting stuck in a payday loan cycle.

Flexibility

Compared to other forms of borrowing, payday loans are very flexible and give you more options to take control of your own borrowing. You can choose to repay most payday loans over longer terms, usually up to 36 months; however, there’s always the option to pay it off faster or make larger repayments on the months that you are able to afford to do so. They are also very flexible with the amount that you borrow, and many lenders are willing to offer top-up loans should you need one after proving your ability to responsibly make repayments for the first few months of the term. In addition, many payday lenders offer additional flexibility for those who wish to reduce their monthly payments. If your situation changes at any point and you would like to repay less per month, you may be able to have your payment term extended with no impact to your credit score.

Build Your Credit Rating

If you have a poor credit rating and want to improve it, a payday loan could be an ideal choice for you. Not only are many lenders more likely to accept borrowers with poor credit for smaller loans over a short repayment term because they are less risky, but each time you make a payment or repay your loan in full, it will have a positive impact on your credit score. Since you are not tied into a longer repayment term, there is less risk of your financial situation changing and leaving you unable to make repayments.

Consolidate Debts Quickly

Another increasingly popular use for payday loans is debt consolidation. More and more borrowers are turning to short-term loans to pay off their existing debts in full quickly, leaving them with just the short-term loan to repay over a shorter repayment term. This can be an excellent way to clear your debts in a much shorter amount of time than continuing to make the minimum repayment on several lines of credit. For example, if you have several smaller loans that you are repaying over a several-year period, not only can this be difficult to keep up with when you have various payments coming out each month and interest on each one, but it can also take a long time to repay in full. A short-term loan allows you to repay them all in full immediately and then focus on making just one repayment over a timeframe chosen by you.

Payday lenders used to have a bad public reputation, but recently they have been making some huge positive changes, which has led to a much more favourable public perception.

5 Online Business Ideas

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Getting started with your own online business is much more straightforward nowadays due to the technological advances we all enjoy. You have the opportunity to become a web developer, blogger or set up an e-commerce store and sell products. Here are five top business ideas you can use to get started:

Web Developer

Learning HTML, CSS and JavaScript have never been easier. If you desire to become a professional web developer, you can use numerous online resources for free. Taking time each day to learn this new skill may be challenging but highly rewarding once you start assisting others by building the front end and backend of their website or landing page.

Ecommerce Store Owner

Setting up an online business involving e-commerce is a way to satisfy people’s desires and make a profit at the same time. You can choose to utilize a drop shipping model or purchase products from a discount supplier and stock them as inventory until you receive an online buyer. Using a service providing templates and support may be your best option if you like this idea.

Blogger

While blogging has been around for several years, it is still one of the best ways to communicate with a targeted audience and sell them services or products. Choosing a niche and setting up your blog can be done by picking a topic you’re passionate about and using a content management system. It’s best to get started on topics where there are affiliate products you can sell. Whether you’re interested in teaching people about hypnosis, online marketing or building better relationships, being a blogger can be financially rewarding.

Virtual Assistant

If you’re not interested in the challenges that can come with being the boss of an online business, you may want to choose to assist the owner of another online business by becoming a virtual assistant. Going this route may also be a good option if you are unsure about where to start and want to learn the ins and outs of running email campaigns, advertising or dealing with customer support. Getting started by helping another online business owner may be what you need to build confidence.

Consulting

Learning about a specific online area, such as search engine optimization, paid advertising or social media, and consulting with online businesses with challenges in these areas is another business idea you may want to utilize. When you become an expert in a specific niche, you have skills that are required to succeed online. Some business owners are willing to pay for your knowledge and assistance to help them run better SEO or social media campaigns.

Getting Paid

Once you have your online business up and running, you need to set up a system to get paid. There are several options you can use to have clients send money online for the services they use or the products they purchase. Utilizing Western Union, PayPal or another payment processor are all viable solutions.

Getting started with your online business can be an exciting new adventure. Be prepared to pace yourself and conquer any hurdles you may come up against along the way. View this as a new journey in your life towards independence and financial freedom.

Other Great Uses for Home-Grown Food

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We already know the benefits of home-grown food. Fruit and vegetables harvested from your own garden help to reduce carbon emissions, promote a balanced diet, and allow you to exercise your green fingers.

But the pay-off of personal crops goes beyond just a healthy lifestyle – the uses are of home-grown food are diverse and numerous. Sometimes, we have extra fruit and vegetables that just aren’t made for the dinner table, but their use is not limited to the bin.

From the sustainable to the unusual, we look at those other uses for home-grown food that you may have overlooked.

Pollen promoter

When growing fruit and vegetables, it’s easy to ignore the needs of other plants in our garden. Of course, the roses that you planted look nice, but they don’t require as much careful maintenance and attention as your blossoming tomatoes.

However, putting home-grown food first does not have to be injurious to your other growing successes.  In fact, the growth of certain fruit and vegetables can help to increases biodiversity in your garden by attracting bees and butterflies which are vital for further pollination amongst the more decorative plants in your back yard. To achieve this, we recommend growing produce such as melons, courgettes, and cucumbers. As these plants are closely related, they grow well in similar soils, reducing maintenance.

Changes to industrial agriculture since the latter half of the 20th century have led to a reduction in bee colonies. But a biodiverse garden, including the growth of fruit and vegetables allows these at-risk-insects to thrive. You won’t just be benefitting yourself with food – you’ll be helping an entire species.

Pimp your compost

You’re already doing your bit for the planet by growing your own vegetables – but you can go one step further. Using your home-grown fruit and vegetable scraps to compost your garden can help you produce a more successful harvest.

The nutrients that your crops have absorbed from the soil during its growth are concentrated and released back into the soil when you compost. This concentration of good plant fertiliser can then be quickly absorbed back into the next generation of potatoes or peppers for even better growth the second time around.

Fruit and vegetable scraps should also be composted with carbon-rich materials for successful decay – your grass cuttings will do fine. One-part food scraps and three-parts hay or turf is easily achievable in a low waste garden. When we home-grow food, we think of food for thought. After this, it’s food for your food!

Food on your face

Rich with vitamin and nutrients, fruit and vegetables have as much use on your face as they do in your gut. Of course, we’re talking about face masks. When selecting your skincare products, if you’re inclined to choose a naturally based product, consider creating your own from the food you grow in your garden.

A skincare recipe that is particularly suited for the British garden is a carrot face mask. Carrots are pack full of vitamin A, with additional ingredients including vitamin C, potassium and folacin. This means that carrots in a face mask can help moisturise skin tissue and help to repair it. Carrot face masks also help build your defences against sun damage and can help to tone your skin.

The recipe is simple – cook three carrots, blend into a smooth puree, and mix with four tablespoons of honey. Allow your mixture to sit on your face for about 10 minutes before washing it off with cold water – this will allow all those important nutrients to get absorbed into your face.

There are, of course, even more recipes for natural facemasks that you can make from your home-grown food. Different combinations of fruit and vegetables will help release their respective nutrients into your skin for different results – just make sure that your creation is safe before you use it.

Colour inspiration

Do you remember using carefully carved potatoes and carrots with paint to create amazing prints as a child? Your parents may even have your garden scene on the refrigerator. We’re taking this to another level and saying you can actually use your home-grown fruit and vegetables to create your own paint.

The process is easier than you may expect. Simply boiling colourful fruit and vegetable materials will release their natural colours into the water. Choosing your colours is equally uncomplicated: strawberries make red, blueberries make blue, kale makes green, and oranges and carrots make orange. Other fruit and vegetables are unlikely to trip you up on their colour production.

After boiling, strain and keep your coloured water and put your food waste into the compost bin. You can use your coloured water to naturally die materials or create paint by adding powder sugar to create a thicker consistency that is more suitable for traditional canvas painting. With a bit of practice, you’ll be able to use your last supper to recreate Da Vinci’s The Last Supper.

The uses of home-grown fruit and vegetables are clearly numerous. But by using natural ingredients and materials to achieve great results in many different aspects of life, the benefits reach beyond the initial uses of their produce. The use of grow bags has made it easier to grow your own fruit and vegetables in your garden. While we don’t expect you to eat everything you produce, you can certainly make more than carrot cake with your crops. You can help the planet and do more than just eat your greens!

A green thumb for greener air

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It’s no secret that air quality, particularly in cities and built-up areas, is a growing issue. For example, the Guardian reported earlier this year that London had hit the legal limit of air pollution for the whole of the year in less than a month. According to the same report, around 40,000 deaths are caused every year by the staggering levels of air pollution in urban areas in the UK.

If you live in a larger city or built-up area, air pollution is likely a concern. But what can you do to take care of your health and help out your area?

Get out your trowel and come with us, as we join Compost Direct, a leading supplier of mulches, and venture into the garden to find out the best air-cleaning plants you can grow right now.

Gerbera daisies

Green doesn’t need to be the only colour on the quest to greener air! A recent study by NASA has provided a few colourful blooms for gardeners keen to clean the air.

Gerbera daisies are bonny, beautiful blooms that come in many different colours; white, orange, red, pink — whichever you pick, they’ll give your garden a splash of colour. These flowers love direct sunlight and a bit of space, so make sure not to leave them in a shady corner of your garden.

NASA states that these wonderful flowers are great for dealing with multiple air toxins, such as benzene.

English Ivy

A classic climbing plant, you might already have the hedera helix climbing up the walls of your house. Though it has a bad reputation in the States as being a weed, it can be a lovely addition to your garden if tended to.

The plant offers benefits for wildlife and for the air – Goldsmiths, University of London, states that the wide leaves of the common ivy traps particulates, which makes it a great choice for purifying the air.

Wallflower

If you’re looking for a little more colour for your garden, why not introduce the wallflower, also known as the Erysimum? Goldsmiths also names this plant as being akin to the common ivy for its particulate-cleansing power. These flowers have a bright display of petals during the first half of the year. You can grow wallflowers in many colours, with purple and yellow popular choices.

Conifers

Hedges are great for combatting air pollution, and Homes & Property recommends conifers for the job. Specifically, the western red cedar hedge is named as an ideal conifer to plant in your garden. But if your garden is a little smaller, the publication also names the yew as a great alternative, citing its evergreen nature and easy trimming.

Practices

Of course, green gardening doesn’t end at what plants you have. You have to consider how you are tending to your garden as well.

SmilingGardener offers five great ways to reduce pollution in ways beyond planting shrubs and flowers:

  • Start composting. You can turn many waste products into compost to stop it going to the landfill.
  • Avoid corn gluten meal. SmilingGardener notes this meal is made up from genetically modified corn, so best to stay away from using it, if possible.
  • Quiet equipment. This one’s more for noise pollution, but it’s certainly an added bonus for the pollution-conscious gardener to take note of!
  • Stay away from using pesticides. This one is probably a given, but if you can avoid using chemicals on your garden, please do.
  • Consider indoors as well as outdoors. As well as planting outdoor plants to combat air toxicity, consider bringing in some houseplants to cleanse the air in your home.
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