ABC Money

How to honeymoon on a budget

Holidays

Elliot

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16 May 2017

Want a luxurious honeymoon but don’t want to spend a fortune? Then think outside the box and you could find a perfect getaway that doesn’t break the bank.

The penny-pinching gurus at PromotionalCodes.org.uk have compiled some of the best budget honeymoon destinations for couples who are looking for both luxury and affordability.

The list includes the pricey costs of some of the most popular locations, whilst offering brilliant alternatives that are a fraction of the cost.

They include swapping Mexico for the white sands of Fuerteventura, Barbados for an affordable yet luxurious holiday to Cambodia and Mauritius for the rich history of Malta.

Darren Williams from PromotionalCodes.org.uk said: “Honeymoons are an essential part of getting married, and heading to tropical destinations in the Caribbean or America are now becoming a popular choice.

“But these holidays can end up costing a fortune. There are places in the world that are much cheaper to visit but are just as beautiful.

“The suggestions in the list are suitable for any type of honeymooner. Whether you’re looking to sun yourself on a white beach, go and explore historical ruins or even hit the mad-rush of a city, the swaps on here will certainly cover you.

“Everybody wants to have a romantic getaway for their honeymoon, but just because you want to have a nice holiday doesn’t mean you should break the bank doing so.”

Here are Promotional Codes’ best budget honeymoon destinations:

SWAP Mexico – £2,008 for two FOR Fuerteventura – £950 for two

It costs on average, £2,000 for a one week holiday for two to Mexico. So why not swap it for an equally-exotic holiday to Fuerteventura, Spain? It’s the second largest Canary Island and has warm temperatures all year round.

The sand is just as white as Mexico’s meaning that the long walks on the beach will be as equally romantic for you and your other half. You can explore the Betancuria town, windsurf to your hearts content and hit up one of the islands famous carnivals for half the price of a Mexican getaway. You can find luxury all-inclusive hotels with flights included for around £500 per person.

SWAP Barbados – £3,234 for two FOR Cambodia – £1,600 for two

Slash the cost of a Caribbean holiday by half and opt for a South-East Asian adventure instead. You can sleep in a luxury accommodation with flights for around £800 per person.

There’s so many things to do in Cambodia, including visiting the world heritage site of Angkor Wat and the Floating Village. You could even slash the cost of travelling even further, by staying in hostels and travelling around the country. Food and drink is incredibly affordable too, with draft beer costing 70p and a meal in a restaurant around £3.50.

SWAP Mauritius – £2,106 for two FOR Malta – £692 for two

Head to a different island with your newly-wed and pay a third of the price. There is so much rich history and culture in Malta and it costs just £1 for a beer. Be sure to visit the Vittoriosa backstreets, take a dip in the Blue Lagoon and of course, visit St. John’s Co-Cathedral.

SWAP New York – £2,166 for two FOR Bangkok – £1,650 for two

If you’re looking to do a city break after your big day, why not try an alternative to the Big Apple? With the average cost of a beer being at around £5.00, a different and more affordable alternative would be to hit up the sights of Bangkok, Thailand.

You can get beers in the bars for around 50p, and there’s plenty to do. Some great ideas include hitting up the Khao San Road for a fun evening of drinking and dancing, having a romantic boat ride along the Chao Phraya River and taking strolls around The Grand Palace.

SWAP Jamaica – £1,960 for two FOR Kos – £426 for two

Instead of flying 10 hours to get to Jamaica, why not opt for a much more easy and affordable version? The Greek island of Kos is full of sunshine, culture and delicious food.

It’s also an incredibly affordable holiday destination which makes it perfect for a budget honeymoon. Some of the activities you can do on the island include snorkelling at Magic Beach, exploring the streets of Pyli and visiting the Castle of the Knights of St John.

ENDS

*All prices are based on a holiday for two including flights from 18^th-25^th June 2017

Things to Think About Before Taking a Loan

Finance

ABC Staff

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15 May 2017

0

Loans are a great way to get the money that is needed right now. There are things to think about before taking a loan. The first step is simple. Everyone knows that they must consider these things and decide if taking out a loan is the best personal decision to make. While it is nice to have the money for that new shiny item, a nice wedding, or even an unexpected expenditure, there are some things to consider first. Here are a few things for anyone considering getting a loan.

Is the money truly needed right now?

If not, then a loan should be avoided. If the money is for an essential need in life, though, then it might be a good decision. The decision is up to the borrower. The question is about need versus want.

Could a Less Expensive Purchase Work?

If the purchase is truly a need verses a want, then a less expensive purchase should be considered. That way the person get their needs met, but they don’t need to take out a loan to do. If the loan is more than they can afford, then that is the best option.

Are the Payments Affordable?

The payments on a loan must work with the future, budget for the loan to be the best choice for a person. Just because someone can get a loan does not always indicate that they can actually afford to repay it in full. Failure to repay a loan can cause damage to the future credit of the person that applied and liens can be placed on assets that are already owned. It is very important to consider the payments before taking out a loan.

What is the Interest Rate?

The interest rate is part of the life of the loan. Over time, there are interest charges that are due to the lender once a loan has been taken out by a borrower. Those interest rates can be really high. That increases the cost of the repayment of the loan, and it can cause problems paying the loan back. Even if the borrower does pay the loan back in full, it can cause the original amount of the loan to be quadrupled. While there are some laws in place to control this, many lenders are allowed to charge what they want to lend money to a borrower. The interest rate is based on how much of a risk the borrower is on the loan.

Timeframe for Repayment

This is really extremely important because, in some cases, the timeframe that is required for repayment can cause the original loan to be quadrupled. If the timeframe for repayment is shorter, then the payments will be larger, but save the borrower money in the end in interest charges.

The What Factor

What if something happens after taking out the loan? Things can happen in life. When they do, it’s usually not to the borrower’s advantage. That can have some serious adverse consequences for people. To avoid this, most people expect to take out no more than one paycheck’s worth of money. Some even cut that into halves. That way, if something does happen, the borrower can manage a payback schedule which can be set up with the bank. That is why borrowers should carefully weigh the what would happen if factor. What if they lost a job? What if a medical emergency happened? What if a car accident happened. The answer to those questions are important. A safety net is always needed just in case.

What does the future hold for London’s Silicon roundabout?

ABC Staff

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10 May 2017

0

What does the future hold for London’s Silicon roundabout?

Silicon Roundabout, a term coined in 2008 to refer to the small cluster of tech and design companies around Shoreditch’s Old Street Station. It was once thought to be the UK’s answer to California’s Silicon Valley, but today the future of the startup hub is at a crossroads.

In 2010, there were 85 tech startups in the area. By 2015, the number of tech firms in the area reached 5,000. More recently, however, the proportion of tech startups setting up shop close to London’s Silicon Roundabout has fallen by more than 70% in the last year, according to the latest data published by accountants UHY Hacker Young.

Business rates, Brexit and extortionate rents are forcing many startups out of the area, whilst low internet connectivity in the area has made some tech firms look elsewhere. This begs the question, is the Silicon Roundabout still as popular with startups as it once was? And if not, what does the future hold for the UK’s tech startups and the area in general?

How the Silicon Roundabout became unfriendly to startups

Long before the area earned the moniker Silicon Roundabout, startups flooded into the area due to the comparatively low rents in this once-unloved border of London’s Square Mile. Unsurprisingly, the rents in the area have shot up, and the number of startups starting up in the silicon roundabout continue to decline.

But as rents have been increasing for a number of years, rising business rates from April may just be the straw that breaks the camel’s back. The 2017 business rates revaluation saw some business in the areas rates rise astronomically. Hackney Councillor Guy Nicholson said of the rates revaluation : “It is quite extraordinary that a Conservative Government, having promoted the growth of Tech City, is now setting about dismantling it.”

Experts in business rates have argued that the rate revaluation constituted “the largest, most redistributive changes to the business rates system in decades, and have been a major cause for concern for companies across the UK.”

And the problem is not confined to the immediate area surrounding Old Street Station: London may not be as attractive to startups in a future where the UK is no longer a member of the EU and startups no longer have access to the European market. A survey of over 940 startups companies conducted by Silicon Valley Bank found that 16% of startups are thinking of relocating outside of the UK as a direct result of Brexit.

Berlin could be an alternative to the Silicon Roundabout for startups

Those startups looking to leave the country, not just Shoreditch, may well think of heading to somewhere on the European mainland. Many cities have been courting London businesses, however, Berlin seems to be the destination of choice for a number of startups.

The German capital didn’t wait long to go about attracting startups. A German political party sent an ad van through the capital after Brexit in 2016, adorned with the tagline ‘Dear startups, keep calm and move to Berlin’.

Berlin is home to over 2,500 startups, who collectively raised €2.4 billion in venture capital funding in 2015, more than London’s small businesses managed.

Rents have risen in Berlin too, but are far lower than those in London, and the proficiency of English in the city has made it attractive for startups that may not speak German. Of course, most startups won’t be deterred enough from Brexit to immediately think about setting up in Germany. For these, areas elsewhere in London and the UK are proving attractive.

The future of Old Street startups and the end of the Silicon Roundabout

For now, the jury is still out. The Shoreditch postcode still carries weight for startups looking to benefit from the incredible networking opportunities, but other tech hubs popping up throughout the capital that may well rival the area in coming years.

City Road, located just to the north of Old Street, has become increasingly popular with startups. Perhaps that’s because of the proximity of the are to Old Street, but the slightly cheaper rents. A recent report by advisory firm JLL also found that businesses are looking further afield in London afield to cheaper locations such as Hackney Wick, Stratford or Canary Wharf.

Colin Jones, partner at accountancy firm UHY Hacker Young, said in a statement: “Silicon Roundabout has fallen off the top spot in terms of new business creation, it is a victim of its own success. Now that rents have soared, the area has lost its competitive advantage.”

Gerard Grech, CEO of Tech City UK, believes the spreading out of tech startups throughout London and the rest of the UK is a good thing, and does not represent the decline of the Silicon Roundabout as a startup hub. Grech stated that “Anybody trying to build a negative argument about the relative performance of a single postcode in East London is seriously missing the point and in danger of talking down one of this country’s great global strengths.”

Regardless of whether the area around Old Street remains attractive to startups, one thing is for certain, Silicon Roundabout will be no more: Transport for London plan to transform the roundabout into a pedestrian and bike-friendly square by 2018.

The 12 hardest UK universities to get into

News

Elliot

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9 May 2017

0

The 12 hardest UK universities to get into

This awesome infographic will take you through the 12 most competitive universities in the United Kingdom, based on the average total UCAS points that new undergraduates possess. School PR specialists GK have included universities such as the university of Bath, University of Oxford and the university of Cambridge. Please see the infographic for the full list of universities.

What does the GDPR Mean for Businesses?

Business

ABC Staff

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5 May 2017

0

In April 2018, businesses will have to meet the requirements of the General Data Protection Regulation (GDPR). The European Parliament and Council have agreed the GDPR will replace the existing Data Protection Directive to make Europe fit for the digital single market. The introduction of the GDPR will increase harmonisation across countries, by providing one law for the protection of data applicable to all businesses within the EU.

Coming into effect next year, the GDPR will change the laws controlling how users give consent to having their data stored by businesses. Silence, pre-ticked boxes or inactivity no longer counts as consent, making providing more information about the terms of data collection a requirement of data management. Profiling customers and direct marketing will subsequently be monitored; so what does this mean for businesses involved in marketing, advertising and social media?

Impact on marketing

The GDPR will affect all businesses involved in direct marketing. Marketing specialists such as Romax, who made the following comment outlining how changing data policies in line with the GDPR regulations is a critical process.

COMMENT:

“All businesses hold and use data captured from their clients to both understand the market and to understand how they can attract similar clients. The GDPR adds an extra layer of security but also an extra layer of complication to that process. Not abiding by the new regulations is not an option, so getting up to speed now is vital. If you want to maintain a marketing return legally, then demonstrate to your clients that you have their best interests at heart, and be proactive about the change”

The GDPR presents four new categories of personal data definitions, which affects online businesses because this categorisation introduces new requirements of targeting online identifiers. This category will be treated as personal data under protection of European law, thereby meaning companies will need to update policies, procedures and systems, ensuing additional costs.

Risk of penalties and fines

To guarantee businesses adhere to the GDPR and protect sensitive data, greater penalties for not meeting GDPR legalisation will be implemented. If a company breaches any of the components of the regulation they will have to pay 4% of their turnover, alongside suffering damage to their reputation. To ensure businesses do not find themselves in trouble, detailed research into the legalisation should be carried out, and evidence should be provided to prove the internal protection of customer data meets the requirements of the regulation, in case of inspection.

Greater customer trust

According to a recent survey, “two-thirds of Europeans stated they are concerned about not having complete control over the information they provide online”. The GDPR will allow individuals easier access to their own data, the right to be forgotten when they no longer wish to have their data processed, and concise information on how businesses will collect and use their information. This reshuffling of data protection policies will give customers a greater sense of security, helping to develop a longstanding, trustworthy, relationship between businesses and customers.

Manage a holiday let or Airbnb? It’s time to throw away your keys

Property

ABC Staff

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5 May 2017

0

Manage a holiday let or Airbnb? It’s time to throw away your keys

We’re hearing a lot at the moment about the advantages and disadvantages of smart door locks, over key fob electronic door entry systems. Smart door locks supplement or replace your front door lock, but do much more than lock and unlock your door without a key. Most smart locks let you track who’s entering and leaving your home, send digital ‘keys’ to designated people, and remotely lock and unlock your door when you’re away from home.

Now, smart lock use is being driven largely by the Airbnb craze. Property managers demand a solution to the hassle of arranging for keys to be passed back and forth, and controlling exactly who has access to their properties and when. These are all reasons to invest in smart door lock technology.

Duplicated keys are a concern for property owners

For Airbnb and holiday rental hosts, giving keys to a renter and retrieving them at the end of their stay can present a logistical challenge and warrant undue hassle. There have long been solutions for these issues including outdoor mini key safes and keypad locks with a combination that can be changed on demand, but these are sometimes considered unsecure given the opportunity it affords guests to duplicate keys or share codes.

It’s a particular concern for landlords, who cannot always be sure how many copies of keys to have been duplicated for guests, contractors and to replace keys that have been lost. Even keys stamped ‘do not duplicate’ are duplicated all the time, but there are options available for high-security locks with keys that can’t be replicated at a hardware store.

London-based security company Banham have been leading providers of high security door locks since 1926. Their unique key registration system ensures that only the registered homeowner is authorised to obtain copies of keys. This helps property owners maintain peace of mind whenever keys are out of their hands. But this isn’t the only solution for preventing duplication of keys. An answer lies in smart door locks too.

Smart door locks don’t require keys

Smart door locks negate the need to share keys to your property at all, granting access to a property by electronic means, such as a smartphone app or biometric data recognition. It means guests don’t need to worry about losing keys and getting locked out either. This is a far better solution than keypad access, which is a security risk as holiday guests often write down (and then lose) codes they find difficult to remember.

Kwikset’s Kevo smart lock is a hardware that lets property managers grant and revoke access to guests with a smartphone app. Authorised users can simply point their phone at a door lock to gain access, and only that specific smartphone user will be able to gain entry. There’s another advantage to smart door locks that use smartphone integration, as they also work as a security doorbell that allow property owners and guests to view video of callers and grant access remotely.

Of course, most smart door locks can be overridden by a master key, which allows the property owner to maintain access to their property in the event of an emergency such as a power cut that might disable the electronic smart door lock system.

Smart door locks allow for time-limited authorization

Many smart locks are able to let landlords remotely grant and restrict entry to their rented premises on a use-by-use basis. This allows property managers and hosts to schedule access to a rental property for a limited time, which is perfect for the high turnover of guests in holiday rentals and Airbnbs.

Smarke is a smart door lock solution that uses biometric and facial recognition data, to grant entry to specific individuals at specific times. Specific ‘users’ can be programmed into the central control system, and property managers can designate specific dates and times during which that person will be granted access. It could cover a week or two for each holiday guest, or an hour window to grant access to a cleaner or service provider.

There are even now options for apartment owners, who often find installing a smart door lock on their property door is redundant because of a buzzer-controlled shared outer door. Iki Lock works like a remote doorman that can remotely trigger a building intercom to open the outer door.

It’s difficult to see how smart door lock technology can improve from here, given the complete control already afforded to property managers by the examples given above. Of course, the uses aren’t limited to holiday lets and Airbnb properties. Smart door locks let any property owner grant time-limited access to visitors, children, trusted service workers or guests as and when needed. It might just be time to throw away your keys for good.

Pic Credit – Scott Lewis, Flickr, Creative Commons

The finance sector is changing how it hires graduates to help survive post-Brexit

Elliot

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4 May 2017

0

The finance sector is changing how it hires graduates to help survive post-Brexit

In the wake of the Brexit vote, the future of the finance sector was uncertain. Some major banks and institutions feared they would have to relocate over the channel to maintain easy access to the single market, which experts predicted would mean a loss of 71,000 finance jobs in the City of London.

However, recently recruiters have indicated that these fears were unfounded. The banking sector embarked on what the Financial Times hailed as a graduate “hiring spree” in November 2016, with Deutsche Bank, Barclays and Citi among some of the most enthusiastic employers of recent graduates.

Although this hiring spree was viewed as risky, four months down the line, it appears to have been one investment worth making.

Understanding the risks: Why some banks won’t hire graduates

To outsiders, hiring graduates may sound like a no brainer — after a minimum of three years studying, they leave university fresh-faced and eager to prove themselves in the “real world” of banking.

Recruiters Instant Impact say that hiring graduates works well for companies because graduates are more focused on the long term than the short term, looking for careers as opposed to jobs. But this has been a mixed blessing for investment banks.

The world of finance has built up a reputation as the perfect place for money-driven individuals to become high earners, consequently finance graduates are increasingly taking jobs at major banks, gaining valuable experience, and then swiftly moving on to work at higher-paying hedge funds. In other words, they are looking at the bigger picture, but working at a bank is only a small corner of the canvas.

FT reports that this trend could be seen as a response to the unpopularity of the banking industry after the 2008 financial crisis. Now, business school students are increasingly seeing graduate roles as pathways into jobs at hedge funds and private equity firms.

These firms appeal to ambitious graduates who seek huge payouts for their work, the likes of which they may struggle to find in the more heavily regulated post-crash investment banking sector. Hedge funds and private equity firms, though, are not known for hiring graduates straight out of the university gate, and so working in investment banking became an important step in the path to riches for the young financially inclined.

Though this state of affairs may be hugely beneficial to other companies, it is troubling for banks, who have struggled to keep graduates in employment past the requisite experience time for work in private equity. In light of the Brexit vote, with the banking sector known to be in danger, graduates may be even more likely to leave their jobs when they have enough experience to do so, perhaps even to move to a more stable financial area such as Wall Street.

Widening the pool: How banks are adapting to keep graduates in house

To stop their job roles turning into mere training grounds for future hedge fund managers, banks have taken to an unconventional way of finding new hires: attracting applicants who have never studied finance.

This unorthodox approach may sound counterintuitive, but by all accounts it is working out very well for the employers and graduates alike. Barclays’ popular graduate intern scheme now consists of 40% studying non-financial degrees such as subjects from the arts, sciences or humanities, that’s up from a previous average of 10%. Barclays hopes that these new hires will stay with the company, more interested in building careers there, rather than moving into hedge funds and equity.

This move towards hiring non-finance graduates is not just a rational, sound business move, but a part of a broader move at many of the country’s major banks to diversify their employees, which began long before Brexit.

Back in February 2016, Barclays proudly reported that 40% of their new intern hires were female, and 38% came from ethnic minority backgrounds. Again, this is a huge increase on the norm at the firm.

The final part of this new push for diversity from banking recruiters comes in the increased implementation of so-called “contextualised screening”. This practice was introduced after research into the finance sector found that banks were focusing too much on hiring graduates from only a select few to universities, and that small social factors such as the “wrong” colour of shoes could make or break an applicant’s career chances.

“Contextualised screening” judges an applicant on their achievement relative to the circumstances they were born into. In theory, this means that a hardworking graduate from a working class background will win out against a lazy privately-educated graduate with recommendations from family connections in high places. The logic here is that these diverse new hires are far more likely to remain loyal to their new employers, rather than to jump ship to a hedge fund as soon as they can.

For investment banks worried about the future of their industry in this current climate, these new hiring practices could be just what they need to shake up the sector.

Research reveals what it takes to run your own business

Business

Jack Peat

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4 May 2017

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Research reveals what it takes to run your own business

Do you think you have what it takes to run your own business? Now you can find out.

New research has unearthed what it takes to be a natural business owner, with traits such as passion, confidence and being able to rise to the challenge as just some of the attributes needed.

Being a natural leader and having a strong character were also cited as must-have characteristics, with determination ranking high for people looking to turn an idea into a fully-fledged business.

The survey of 800 British small business owners and 800 British full-time employees revealed that small business owners are twice as likely to love their job and be passionate about their work than full time employees.

And they are also more likely to cite love of the job and achieving work life balance as their primary career motivation, whereas full time employees are twice as likely to cite “wanting to be liked”.

Oliver Harcourt, Head of Vistaprint UK, which commissioned the research, comments: “We speak to small business owners every day and overwhelmingly these passionate individuals have positive stories to share.

“The survey highlights some of the benefits that can be achieved when starting your own business, whether it’s more time for your family, the ability to evoke change in your community or a renewed love for your job.

“We want to encourage people to be bold and live their dream.”

Almost three times as many small business owners strongly agree their job is flexible, with their working hours averaging a mere 33.3 hours a week compared to 39.4 for full time employees.

And when compared to full time employees, small business owners have significantly more independence, passion for their job and achieve a better work life balance.

Twice as many small business owners than full time employees cite love of the job and achieving work life balance as their primary career motivation over making money.

And three times as many small business owners say their work is flexible compared to full time employees.

It’s easy to see why over a third of full time employees say they have plans to start their own business in the future.

Think you have what it takes? Find out here.

The history of rings

Fashion

Sam Allcock

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3 May 2017

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This infographic is on the history of rings, ranging from Georgian times to todays type of rings and just how much they have changed. Berganza have used many different types of rings to produce this infographic such as Art deco, Edwardian and Victorian which are all very iconic but each are extremely different to each other. Please see the infographic for many more different types of rings.

How to Create a Prosperous and Cost-effective Business in the Current Climate

ABC Staff

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3 May 2017

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How to Create a Prosperous and Cost-effective Business in the Current Climate

There are many challenges facing businesses in the modern age, particularly as the macroeconomic climate continues to worsen. In fact, as inflation continues to rise while real wage growth shrinks, businesses may soon be forced to contend with reduced consumer spending and diminishing demand.

While this trend is cyclical, however, there are others that remain omnipresent and applicable across all markets.

Image: Business News Daily

Take the need to drive growth while minimising costs, for example, which is key to maintaining a profitable and sustainable venture over time. Here are some steps towards achieving this:

Lease Rather Than Own Hardware

If you look at the evolution that has taken place in the worlds of business and commerce in the last decade, there has been a clear shift towards flexible and agile commercial solutions. This is particularly evident in disciplines such as recruitment, where brands are now able to hire temporary workers from a global pool of talent on the basis of individual projects.

The same principle applies to hardware, as it is now common practice for firms to lease pieces of equipment rather than buy them outright. This not only reduces start-up costs, but it also creates an opportunity to transfer the cost of repairs and maintenance onto providers.

Just by wary when seeking a photocopier lease or entering into similar arrangements, however, as you will need to compare the market comprehensively and understand your precise needs before making an informed decision.

Use Technology and Automation to Enhance Your Business

On a similar note, we have also seen automation play an increasingly integral role in various aspects of business in the modern age.

While automation is often viewed with cynicism, however, its purpose is often misunderstood by firms across the UK. Rather than being intended to directly replace human members of staff, for example, automation has been designed to enhance the customer experience and optimise the value that people can add to individual businesses.

If you look at touch screen kiosks from Cammax Limited, for example, you will see how technology has been deployed to streamline the consumer experience and increase the speed of individual transactions. While this negates the need to employ humans at the point of sale, however, employees can simply be deployed elsewhere in the venture to provide strategic help and insight.

Touch screens are now increasingly prominent across markets, while similar technology is also having a similar impact on brands. It is also central to maintaining a cost-effective and efficient business, and one which meets customer expectations in the digital age.

Grow Organically and in-line with Demand

This is a fundamental rule of business, and one that is all too easily overlooked by eager or overly cautious entrepreneurs with a desire to succeed. Make no mistake; however, attempting to force growth within your venture (or failing to grow in line with demand) can significantly derail your venture, while impacting negatively on its profitability.

Instead, it is far better to grow organically in line with demand, as this ensures that you are able to build the resources and an underlying infrastructure that can cope with higher volumes of work.

In many ways, having an agile business model can help with this, as it helps you to respond to periods of growth by investing in temporary, pop-up retail outlets and remote workers.

This way, you can take on additional work as the demand for your products or services grows, while experimenting to determine the best way of developing your infrastructure.

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