SUBSCRIBE
Home Blog Page 735

Why Are Hair Transplants In Turkey So Popular

Claire James
-
0
Why Are Hair Transplants In Turkey So Popular

Thanks to modern hair transplant procedures, hair loss is a thing of the past. Both men and women experiencing baldness or thinning hair can restore their appearance by doing a single procedure.

One of the most popular destinations they visit to get a high-quality hair transplant is Turkey. That’s because a hair transplant in Turkey is just a fraction of the cost of the procedure anywhere else in Europe and the rest of the world. Another reason is the country’s hair surgeons, which are some of the best on the planet.

Top-Quality Hair Transplant at the Sapphire Hair Clinic

The Sapphire Hair Clinic is one of the most renowned clinics in Turkey. They are based in Istanbul, located on the Medical Park Hospitals Group’s Istinye University Hospital premises, which provides services based on the principle of “healthcare for all.”

This 5-star clinic can boast two outstanding doctors in the field of hair restoration.

Dr Vedat Tosun is a hair transplant specialist with more than 20 years of experience. He has worked as a hair transplant coordinator at several well-respected hospitals in Istanbul and has carried out over 14,000 successful procedures.

Dr Şirvan is a dermatologist who specialises in hair transplant, laser therapy, cosmetic treatment, and mesotherapy. He’s the founder of the Beykent Surgical Medical Centre for Hair Transplantation. If you’re looking for a premium-quality hair transplant Turkey clinic, the Sapphire Hair Clinic might be just what you need. Thanks to the most innovative technology, the clinic provides excellent hair treatments with permanent results.

Hair Transplant Costs: the UK vs Turkey

As already mentioned, hair transplant Turkey costs are lower than anywhere else in the world. Undergoing hair transplant surgery in Turkey, including the Sapphire Hair Clinic, is about 70% cheaper than in the rest of Europe, and beyond.

In the UK, you would need to pay between £5,000-£15,000 for a hair transplant, depending on the hair restoration technique and the number of grafts.

In Turkey, the cost ranges from £1,500 to £3,500.

Why is the cost of hair transplant in Turkey so low?

Low labour costs are one reason, and the other is the country’s devalued currency. The Turkish Lira is significantly weaker against the Pound Sterling and other currencies.

That means that hair transplant clinics in Turkey don’t compromise on quality. In Turkey, the procedure is actually considered costly, but the rest of Europe sees it as a bargain.

So, if high quality is what you’re looking for, you can rest assured you’ll find it in Turkey, but at a fraction of the cost of what worldwide clinics charge.

The Sapphire Hair Clinic Packages

The Sapphire Hair Clinic offers different hair transplant Turkey packages, depending on the type of hair transplant. Nevertheless, each includes the same level of quality and the same list of services.

The packages include:

●      Free consultation

●      Free hair evaluation

●      Blood tests

●      Local anaesthesia

●      Hotel accommodation

●      Airport transfers

●      Clinic transfers

●      Excellent care before and after the surgery

●      Medication for post-operative care

●      Special hair products

The cost of each package greatly depends on the number of grafts that need to be extracted from the donor site and implanted into the balding areas.

When it comes to your consultation, you can have it online, so that your doctor can assess your hair and determine the best course of action for optimal results.

You’re in no way obligated to have the surgery at the Sapphire Hair Clinic when you schedule an online consultation. That’s simply an opportunity to discuss the procedure in detail and see if the clinic is the right fit for you.

The Most Innovative Hair Transplant Techniques at the Sapphire Hair Clinic

The Sapphire Hair Clinic offers many different hair transplant techniques, but the most modern include the sapphire FUE technique and a DHI hair transplant. Here’s how both are performed.

Sapphire FUE hair transplant

This hair transplant treatment is an advanced FUE (Follicular Unit Extraction) method that involves extracting hair follicles from a donor area using a micromotor tool with sapphire blades, before implanting them into the recipient area.

After the surgeon harvests the grafts, he places them into a special liquid with adenosine triphosphate to preserve them until they’re ready for implantation.

He then opens the micro-channels for the grafts using the same tool, which makes tiny incisions on the scalp.

The last step is implanting the grafts into the incisions.

Using sapphire blades means a high level of precision, less trauma, lower risk of tissue damage, and a higher graft survival rate.

DHI hair transplant

DHI (Direct Hair Implantation) hair transplant method is performed almost the same. The concept is the same but requires fewer steps.

After the surgeon extracts the grafts, he uses a patented tool that looks like a pen to open the micro-channels and implant the grafts at the same time.

Since there’s no need for incisions, the recovery period is shorter.

Regardless of the technique, you can have a full head of hair in no time, as long as you follow your doctor’s advice on taking proper care of your scalp and transplanted hair.

You can expect your natural hair to start growing in about three months, but the final result will be visible in about a year after the surgery.

The best part is the fact that the results are permanent because hair transplantation stimulates natural hair growth.

Conclusion

If you’re thinking about getting a top-notch hair transplant with fantastic results, Turkey might be your best bet. Apart from receiving excellent quality, you’ll also save a lot of money.

Be sure to check out the hair transplant Istanbul packages at the Sapphire Hair Clinic, and get in touch with them to learn more about their services before making your final decision.

The clinic is one of the most reputable in Turkey and offers affordable hair restoration using cutting-edge technology. Its medical team is highly trained and experienced, and the aftercare will make your recovery an absolute breeze.

Contact the Sapphire Hair Clinic today to schedule your online consultation.

New Slot Games by Quickspin

Sam Allcock
-
0
New Slot Games by Quickspin

Quickspin is an organization that creates games and software for online gambling sites. Since it was founded, its purpose has never changed. It was established back in 2012. It is an emerging developer that’s doing its best to impress players. And they are succeeding in this. They’ve built a reputation for themselves thanks to the quality of games that they’ve managed to create. At the moment, they have close to 66 titles. Their point of focus is on slot machines.

1.    Hammer of Vulcan

Roman mythology hasn’t been an inspiration compared to the Greek one. However, there have been a few cases that have proved otherwise with Hammer of Vulcan being one of them. It is based on the Roman god of fire known as Vulcan.

The action takes place in Mount Etna and Sicily in the volcanic region. Hammer of Vulcan has more than four thousand ways to win. The game is highly volatile with a 95.81 percent RTP. The game has been tested extensively by the by the top payout online sites and Quickspin. During the test, the biggest payout that was ever recorded was 20,347.7 the value of the stake.

2.    Ghost Glyph

Ghost Glyph is one of the scariest games you’ll play this Halloween at quick withdrawal casinos. Ghost Glyph is a slot machine with medium volatility and Cluster Pays with a wide range of interesting features. The amazing graphics make it appear like an interesting video game. However, the symbols that you’ll see on the reels are much like any other game. The game is made up of 7X7 reels with a Cluster Pay system inside. You can collect a wide range of wilds and symbols that will increase your chances of winning cash and other amazing prizes.

3.    Artemis vs Medusa

The legends of Greece have a different take on this amazing game. Quickspin pairs with the goddess Artemis to fight Medusa, the goddess of luck who brings excellent payouts for the lucky few. As far as the game is concerned, there are more than one thousand ways to win.

This means that you have a good chance of winning the jackpot and transforming your life. The slot has medium volatility and a 96.12 percent RTP. It’s not difficult to pick a bet for the upcoming spin since the slot uses the same system as any other release by Quickspin.

4.    Vampire Senpai

Vampire Senpai is a new slot game that has been designed for the Asian market. While playing the game, you’ll come across several Chinese legends called Jiangshi. These vampires drain human beings in their life. It’s has a great theme especially for Asian people.

The title has 5X5 reels with rewards as high as 8894 the value of the stake with medium volatility. The game has free spins and several wild features that you’ll find interesting. Vampire Senpai offers excellent payouts to dedicated players. You’ll be amazed by the wide range of features and symbols that you’ll find in this game.

Conclusion

Quickspin has built a name for itself based on the quality of titles that they offer. The developer has been actively operating in the market for eight years now. And it has managed to capture the majority of young players who are into slots thanks to the wide range

The Primary Reason for A Global Financial Crisis

Claire James
-
0
The Primary Reason for A Global Financial Crisis

The GFC (Global Financial Crisis), a worldwide money-related emergency, alludes to a time of extraordinary worry in worldwide budgetary business sectors and banking frameworks from mid-2007 to mid-2009. At the time of GFC, a plunge in the US lodging market was the impetus for a monetary emergency that spread across the United States, stretching over the rest of the world through linkages in the worldwide money-related framework. Numerous banks the world over caused huge misfortunes and depended on government backing to stay away from chapter 11 bankruptcy. A large number of individuals lost their positions as the best progressed economies encountered their most profound downturns since the Great Depression in the 1930s. Recuperation from the emergency was likewise much more slow than past downturns not related to a budgetary emergency.

You can check out research papers and articles to find out more about the timeline of financial crises. In this post, we will try to focus on the primary point that lead to such crisis.

What Caused the Global Financial Crisis?

The following are a range of factors that influence the severity and occurrence of a massive financial crisis worldwide.

Macroeconomic environment and risk-taking

In the years that paved the way to the GFC, monetary conditions in the United States and other nations were good. Monetary development was solid and stable, and paces of swelling, joblessness and intrigue were moderately low. In this climate, a housing bubble developed that would inevitably burst.

Extremely low interest rates led to an uplift in house prices in the United States, as even borrowers who previously wouldn’t have been given a mortgage owing to their ‘subprime’ status were able to secure loans, despite their higher default chances. Moneylenders then sold these loans on to large banks.

Banks and moneylenders were happy to make progressively enormous volumes of hazardous advances for a scope of reasons:

  • Rivalry developed between banks to broaden ever-bigger measures of lodging credits that, as a result of the favourable financial climate, appeared to be truly beneficial at the time.
  • Numerous banks that gave mortgage advances didn’t properly evaluate the borrowers’ capacities to make credit reimbursements. Additionally, moneylenders had minimal motivating force to take care in their loaning choices since they didn’t anticipate bearing any misfortunes. Rather, they offered a lot of advances to speculators, usually as advance bundles called ‘mortgage backed securities’ (MBS), which comprised of thousands of individual home loan credits of differing quality. After some time, MBS items turned out to be progressively intricate and hazy but kept on being appraised by outer organisations as though they were sheltered.
  • Financial specialists who bought MBS items erroneously imagined that they were purchasing an okay resource: regardless of whether some home loan advances in the bundle were not reimbursed, it was expected that most credits would keep on being reimbursed. These speculators included huge US banks, just as unfamiliar banks from Europe and different economies that looked for more significant yields than could be accomplished in their neighborhood markets.

There are several other contributing factors that led to the Global Financial Crisis in 2007-8, but the housing bubble that swelled based on irresponsible subprime lending in the years leading up to the crash was a direct reason for financial collapse in the years that followed.

Ways to Keep Your Dog Occupied When They are Home Alone

Sam Allcock
-
0
Ways to Keep Your Dog Occupied When They are Home Alone

Most fur parents lead a hectic lifestyle with their jobs, friends, and children. Unfortunately, their dogs spend most of their time at home alone because of these reasons. 

It is worth noting that bored and lonely dogs end up occupying their time destroying furniture, clothes, and shoes if not taught how to be left alone in your homes. It can also be potentially harmful to them, which is never good. 

Signs and Causes of Separation Anxiety 

Dog separation anxiety is not just a myth. It is real and could potentially harm your dog in the long run. Separation anxiety in dogs may manifest and show in the first five minutes or five hours after you have left. 

Canines can easily sense when you are about to leave your house based on changes in your routine. A change in your usual schedule alerts him that you are going out and that he will be left at home alone. Here are a few telltale signs you must look out for to see if your dog suffers from separation anxiety. 

Signs of Separation Anxiety in Dogs: 

  • Constant and continuous barking and whining 
  • Abnormal peeing and pooping around the house 
  • Showcasing obsessive behavior like overgrooming or pacing 
  • Trying to break free from their crate 
  • Scratching and chewing that leads to the destruction of your furniture, shoes, clothes, and other household items 

What Causes Separation Anxiety? 

There is still no definitive and straightforward answer to what causes dog separation anxiety and why dogs in some households suffer from it while other dogs do not. Experts think that dogs will show symptoms when they are young, which worsens as they age. 

Others also believe that past traumas and abandonment can also cause separation anxiety. Adopting shelter dogs who suffer from this is challenging because you do not know the main reason for their fear. It takes time, practice, and patience to help them feel more comfortable while you are gone. 

How to Teach Your Dogs to be Alone

One essential part of welcoming a new dog or raising a puppy is to teach and help them get used to and become comfortable about being at home alone. If you do not teach your dog to remain calm when they are at home alone for specific periods, they can develop or end up having separation anxiety. 

This condition is challenging and tough to treat. It is much better to prevent separation anxiety rather than try to treat it. Training your pets to be alone is the most important thing you can do for anxiety prevention. 

Below are some ways how you can teach your dogs that being alone is okay: 

  • Create a Long-Term Confinement Area or Crate Train Your Dog 

When bringing home a new pup, be sure not to give them access to your entire home right away. Ensure that they have an area where they can hang out and spend time when you are away or at home. 

Crate training is also an excellent option to help your dogs relax while alone, and it would also help if you keep them out of trouble. Most dogs that are properly crate trained feel safer and secure inside their crates when left alone. Just make sure that they are spacious and have their favorite things inside.  

  • Associate Being Alone as a Positive Thing

Help your dog learn that being left alone is a good thing. Associate your absence to something that your pup enjoys. For most dogs, this is something related to food and treats. You can also bring out certain toys that they can play with only when you are away. Put those toys away when you get back home. 

  • Be Low-Key About Leaving and Arriving 

When you leave your home without your dog, it is essential to show them that it is not a big deal. You want your dog to observe and learn that it is not a huge thing that humans leave and come back home. 

We all love having our pets greet us happily when we arrive, but this can also be a sign of separation anxiety. 

Tips to Keep Your Dog Busy When They are Alone 

Dogs are naturally active pets. You can try a few tricks to keep them busy, even if you are not at home with them.

  1. Give Them a View 

Find a spot inside your home that provides an exciting view of the street. Leave your curtains open, so your dog has an excellent scenic view all day. Set up a station for him by placing his favorite bed and blanket to be inclined and encouraged to spend their time in the area. Dogs can spend plenty of time just watching the world go by while waiting for you to get home. 

  1. Turn on the TV

If you do not have a window with a view in your home, the television is an excellent alternative to keep them entertained. Youtube for Dogs is a perfect channel to leave them with. It is worth noting that not all dogs are interested in watching television. 

  1. Hire a Dog Walker 

Nowadays, most fur parents hire dog walkers, especially when they live in the city or have hectic schedules. Dog walkers make sure that our pups get enough exercise they need throughout the day. So when you arrive home, all you have to do is spend quality time with them. 

  1. Peepholes in Fences 

If your furry friend is lucky enough to have a backyard that is near a street or bush, then you have found the perfect distraction that you can leave your dog with when you are away from home. Drill a couple of peepholes into the fence so your pup can see the outside. 

  1. Hide Food Inside the House 

Most dogs enjoy sniffing for food and treats. It is a great idea to scatter and hide some treats in select spots around your homes before going out for work. Try to change your hiding spots now and then, so it does not become a routine because your dogs might get bored quickly. 

Conclusion 

Keeping your dogs busy and stimulated while you are gone is crucial for their mental health and well-being. It won’t replace a good old-fashioned walk in your neighborhood or park. But trying out and experimenting with ways to keep them occupied like games and exercise inside your home can help make leaving them alone for a while bearable and more manageable. If you decide that you do not want to leave them alone when you go on holiday you could look at dog friendly accommodation Devon.

Police to interrogate Nestlé-Russia

Sam Allcock
-
0
Police to interrogate Nestlé-Russia

The MIA Administration for the Kaluga Region opened a criminal case on the theft of land by OOO NLMK-Kaluga (LLC) with a total area of 8.35 hectares, which was later acquired by the Russian division of the Swiss company Nestlé.

According to the investigation materials, the site is located in the Vorsino industrial park between the two enterprises. The creation of the park was initiated by the government of the Kaluga region, exempting investors from paying the tax on the property of organizations and reducing the income tax rate.

At the same time, the seller of the land was a certain individual entrepreneur Arabadzhi B.F., who allegedly bought it from NLMK-Kaluga for 28 thousand rubles a year earlier, and then sold it to Nestlé for 62.3 million rubles. At the same time, the Swiss company turned to the regional authorities with a request to remove from the territory the infrastructure of the former owner at the expense of the Kaluga Region Development Corporation – the sewer network and modular buildings.

At present, the investigation has requested Nestlé-Russia LLC to provide information about the persons who were directly involved in the preparation, conclusion and execution of the contract with the individual entrepreneur Arabadzhi B.F. to interrogate them and to clear out the circumstances of the case.

According to the Office of Rosreestr (Federal Service for State Registration, Cadastre and Cartography) of the Kaluga Region, it was one of Nestlé’s managers for work with state authorities who was engaged in the execution of the transaction with individual entrepreneur Arabadzhi, however, when he was interrogated by the investigator, he refused to testify, citing the Art. 51 of the Constitution of the Russian Federation.

Novye Izvestia editorial was also unable to receive on its request a prompt comment from Nestlé.https://www.pravdareport.com/news/business/145171-nestle_russia/

Why you should be wearing face masks during the Coronavirus pandemic

Claire James
-
0
Why you should be wearing face masks during the Coronavirus pandemic

You are probably all aware of the coronavirus outbreak that has taken the World by huge surprise. Research shows, that the virus is typically spread through respiratory droplets and contact routes. This includes coughs and sneezes from an infected person to somebody that hasn’t got the virus. It can also be transmitted due to close contact, for example, a nurse and an infected patient or household mixing. It takes an average of 5-6 days for symptoms to show but, in some cases, it can take up to 14. Face masks are vital in helping reduce the spread. Continue reading for more information.

The fast spread of the virus has led us to become more alert when it comes down to hygiene and safety. Strict rules have been put in place, lockdowns have happened and, many countries have made it mandatory for people to wear face masks.

What are face masks?

A face mask or face covering is a piece of material that covers your nose and mouth in a safe way. They come in various styles and materials and are made out of breathable fabrics. You can purchase re-usable face masks that can be washed and re-worn or disposable face masks that will need to be thrown away after use.

Where will you be required to wear a face mask?

The UK Government states that you must wear a face mask/covering in any enclosed spaces where it might be slightly harder to social distance. These include; shops, public transport, hospitals, cinemas, post offices, etc. However, many countries have made it mandatory to wear face masks on the street.

Who needs to wear a face mask?

Reasons for being exempt from wearing a face mask include; age, health or disability reasons. If the individual doesn’t have a reason that falls into these categories, then they must wear a mask. 

If the individual is not wearing a face mask/covering then they should not be pressed to wear one. Instead, they may carry something with them that suggests that they are exempt. A lanyard, badge, exemption card etc. are all things that can show this.

Why anti-maskers are putting the lives of others at danger

Anti-maskers are people that are against wearing a face mask. Many of them are active on social media and attend protests to voice their opinions. They believe that the masks are ineffective and make it difficult to breathe. Many people are at high risk of being infected with Coronavirus and when people don’t follow the guidelines it can put their lives at danger even more. 

What are the benefits of wearing a face mask?

There is limited evidence to show a lot of benefits to wearing a face mask/covering. However, they help us protect ourselves and others, they also reduce the spread of the virus. Evidence suggests that wearing a face mask in enclosed public spaces helps to protect the individual. 

There are many different face masks that you can purchase in a variety of different shapes, materials and styles, you can even make your own! Let’s all come together and help stop the spread of this virus.

Bank earnings season: What to Expect for Bank Earnings for Q3 and Beyond

ABC Staff
-
0
Bank earnings season: What to Expect for Bank Earnings for Q3 and Beyond

In Q2 of 2020, bank earnings dropped as banks underwent significant restructures. For example, Deutsche Bank announced a net loss of 77 million euros ($90.3 million) for the period. However, despite the huge losses, even this performance beat analyst expectations. As a result, even though some banks beat analyst expectations for Q2 2020, dire forecasts for Q3 followed.

Now we’re in the middle of bank earnings season for Q3, we’ll ask whether those forecasts were justified and assess whether now is a good time to buy or invest in banking stocks. But first, we’ll analyse the importance of bank earnings season to the market. 

The Importance of Bank Earnings Season 

For market analysts and investors, bank earnings season is an important event. This is the season gives crucial insights into the outlook of a company. For this reason, during it, we normally see a great deal of volatility in a company’s share price immediately after earnings releases. 

For those involved in trading stocks and shares in particular, earnings season helps inform decision making on whether to take a position on a bank’s stock. As traders often operate in the short term, they’re looking for information that will help them capitalise on even the smallest price change. The volatility caused by announcements in bank earnings season is the perfect vehicle for this. Plus, because traders can operate in both rising and falling markets, earning announcements provide the volatility traders require, even if they just hold positions for minutes or seconds. 

Were Negative Forecasts for Banks Justified? 

Although banks were expected to perform better in the third quarter, market analysts predicted that lower revenue and minimal credit reserve builds would harm banking figures. With associated unemployment and loan losses factored into predictions, many experts believed losses would be par for the course. 

However, in spite of this, many of the banks who have reported so far have confounded expectations and outperformed negative forecasts. JPMorgan Chase, for example, posted a third-quarter profit of $9.44 billion, or $2.92 per share. This hugely exceeded the $2.23 per share expected by analysts. Similarly, Goldman Sachs crushed profit estimates for Q3, outperforming company-wide profit estimates by more than $1 billion. UK banks such as Barclays (23rd October), Lloyds Bank (29th October) and NatWest (30th October) are set to announce their results in the coming weeks. 

Is Now a Good Time to Invest in Bank Stocks? 

Although banks are outperforming market expectations, their results should be taken with a pinch of salt. This is because even though banks are topping their profits from the previous two quarters of this year, they’re not matching their totals from the third quarter of 2019. Plus, analysts are also keen to stress that bank stocks are still exposed to two risk factors that are both relevant at present: they’re recession prone and they’re sensitive to interest-rate fluctuations. 

However, in spite of this, banking stocks are currently competitively priced and they often perform well as economies recover. As a result, due to the rich dividends they offer investors, they could be a good option if you’re willing to stick with them for the long term.

In summary, the results from the USA so far suggest that banks are outperforming market expectations for Q3 of 2020. However, the rest of October will be crucial for proving whether this theory is correct. Choppy waters are certainly still ahead for the rest of 2020 and few analysts are predicting a Q4 breakout. However, as economies recover throughout 2020 and early into 2021, historic data suggests banking stocks will perform well. As a result, if you’re willing to hold your position for the medium or long term, banking stocks could be a good investment. 

Lund Bennett Welcome a New Addition to the Family Law Team

Sam Allcock
-
0
Lund Bennett Welcome a New Addition to the Family Law Team

Lund Bennet the leading Family Law firm with offices around the North West, are thrilled to announce the arrival of another expert to strengthen the team.

The boutique law firm have welcomed Joanne Latham, who will be joining from another South Manchester based law firm, with a wealth of experience from helping on many previous high profile and difficult family law cases.

Lund Bennett have premises in Cheshire and Manchester City Centre, but will base Joanne in their Altrincham office to begin with to work closely with founding partner Kirsten Bennett across all areas of family law including divorce and financial settlements, maintenance disputes, children matters and domestic violence injunctions.

Kirsten Bennett, Partner at Lund Bennett, said:

“”Joanne is young and energetic so she will be a great compliment to the team. She comes with good experience so she can hit the ground running and is eager to learn, so we have no doubt she will grow with the business.”

Lund Bennett Law was launched in Altrincham, Cheshire in 2012. The firm handles separation and divorce, maintenance disputes, financial settlements, children matters, domestic violence injunctions, cohabitation problems and pre and post nuptial agreements for high net worth individuals.

Joanne Latham said:

“I am thrilled to be joining the team at leading family practice Lund Bennett. The firm has a stellar reputation within the North West for providing expert and niche family law advice to a wide range of clients.”

See www.lundbennett.co.uk

Notes to Editors

For more information, photography or interviews please contact:

Kirsten Bennett 

kirsten@lundbennett.co.uk       0161 924 0079

Struggling to Meet Car Finance Payments Due to the COVID-19 Crisis?

ABC Staff
-
0
Struggling to Meet Car Finance Payments Due to the COVID-19 Crisis?

Across the UK and the rest of the world, most people’s lives have been turned upside down by the Coronavirus crisis. Even where businesses and households haven’t been hit directly by the virus itself, the economic impact of COVID-19 has been devastating.

Mass unemployment, heavily reduced income and hundreds of organisations going out of business entirely, all with the prospect of more to come.

Subsequently, millions have found themselves in a position where they are unable to keep up with their outgoings, through no fault of their own. Bad credit car finance repayments have become problematic for many households, who simply do not have the means at their disposal to repay their debts.

Be sure to use a car finance calculator prior to taking out any loan to ensure you can meet the payments.

New Measures Announced by the FCA

It’s a difficult and regrettable scenario to say the least, but there is at least some relief available for struggling households. The Financial Conduct Authority has announced an extension to the measures it recently introduced to help customers keep up with their car finance payments.

Stretching into 2021, the FCA’s new guidelines state that carmakers, dealerships and lenders in general should offer their customers a second three month repayment holiday, available on request. This means that if you’ve fallen behind and your payments or believe you’re likely to do so, you should be able to request a three month payment break from your lender directly.

Under the current circumstances, it’s highly unlikely you’ll be refused   just as long as you’ve kept up with your repayment obligations to date.

Where Repayment Problems Persist

Given the extent of the financial problems many households are experiencing right now, a three month payment break could be wholly insufficient. You may have lost your job, seen a sharp fall in income or for any other reason entered into a period of ongoing economic hardship.

In which case, simply halting your repayments for three months may not be enough. As above, the first thing to do when repayment problems are likely to persist is to speak with your lender. Now in particular, car finance companies are showing empathy and understanding to their customers, often providing an extremely flexible and accommodating repayment options to suit most budgets.

It’s rarely in the best interests of a car finance company to go through the pain, hassle and expense of repossession proceedings, they’ll typically do anything they can to help their customers retain possession of their vehicles.

Is it Possible to Simply Hand Back the Vehicle?

Whether or not you’ll have the option of simply handing back the vehicle and walking away with your debt cleared depends entirely on the specifics of your contract and the lender you’re working with.

It may be possible, but this is nonetheless considered the ‘nuclear’ option by most responsible lenders and won’t be necessary, other than as a genuine last resort. Even if the terms and conditions of your contract put you in a difficult position, it’s still worth speaking to your lender at the earliest possible stage as they may show more leniency than you’d expect.

Is a sustainable wedding possible?

Claire James
-
0
Is a sustainable wedding possible?

While weddings are joyful events, it’s also easily overlooked how much of a cause for environmental concern they can be. Everything from an energy-exhaustive venue and guests travelling long distances to the amount of food wasted and single-use plastic decorations used, are potentially unsustainable. For example, 18kg of single-use plastic waste is typically generated by a single wedding in Britain, according to Sky Ocean Rescue, the biggest offenders being plastic cups, disposable decorations and confetti. Meanwhile 10% of wedding food is thrown away, creating an average of £488 worth of waste per reception.

However, despite these concerns, a sustainable wedding is certainly possible. We know how easy it can be to overlook the impact of your special day on the environment amid the excitement of all the planning. So to help you organise a more sustainable wedding, read on to learn some helpful tips.

Use environmentally-conscious British suppliers

Using local suppliers for elements like wedding flowers and catering can greatly help reduce the carbon emissions generated by transporting goods over long distances. For instance, when it comes to your florist, choose one that uses locally grown flowers, and offers in-season blooms, which are far more sustainable. Eco-friendly florists are often transparent about where their produce comes from and avoid plastic, with the likes of London based wedding florist Blooming Haus ensuring that a tree is planted for every couple whose wedding flowers they design.

For food, choose a supplier who uses locally grown seasonal produce and organically reared meat. An even more sustainable alternative could see you swap meat for a vegetarian or vegan menu, which will reduce your intake of factory-farmed meats and dairy products, which are harmful to the environment. As food waste is a common problem at weddings, you should be sure to discuss ways to reduce this with your caterer, such as avoiding a buffet-style meal, or donating leftovers to a local charity.

Pick a green wedding venue

Choosing a green wedding venue doesn’t mean hosting your ceremony in a field or on a farm. Rather, it’s about reducing your energy and resource usage as much as possible. Generally speaking, guests will be traveling long distances to attend weddings, which causes significant carbon emissions from their means of transportation. For an example of this on a grand scale, consider Prince William and Kate Middleton’s 2011 nuptials, which generated around 6,765 tonnes of carbon dioxide, though much of this was caused by guests who travelled from abroad.

To avoid this, pick a venue which is located close to you and as many of your attendees as possible. This will reduce your energy usage as guests won’t need to travel far. Hosting your ceremony and reception in the same location is also a great energy saving option. In addition, a permanent building is more sustainable than a marquee setup, as there’s no need to transport or construct the supplies, helping to further reduce carbon emissions. Additionally, when choosing your wedding venue, be sure to check if it’s eco-friendly. Ask the staff a few questions about its energy sources, the measures it takes to save energy, and how staff deal with waste after events.

Go paper-free, or use recycled alternatives

Paper is most commonly used for wedding invites, but the material can’t always be recycled if it is embellished with glitter, glue or any other additional decorations — even glossy paper is a problem. The ink used can also be an issue, as petroleum inks contain toxic chemicals, so find a supplier who uses vegetable or soy-based inks as a sustainable alternative. Recycled paper or card is an eco-friendly option, as is bamboo paper. To cut out your paper usage altogether, and save money in the process, consider sending your invites by email, though bear in mind that older guests may not have internet access, or be well-versed in using computers. In this case, be sure to opt for suppliers with strong sustainability values for the few paper invitations you do send.

Hire, don’t buy

While couples always book the venue for a wedding, there are many more things you can hire for the day, including everything from the wedding attire like the dress, bridesmaid dresses and tuxedos for the groom, to decorations, furniture and restrooms. Hiring is an especially sustainable method to pick up glasses and crockery, bridal accessories and photo booth props, which ensures that items will get used multiple times, instead of being thrown away after the event. It can also help you to cut costs too, saving you from having to pay full whack for certain items by just handing over a hire fee instead.

1...734735736...929Page 735 of 929

ABC Money 2025 - 1st Edition

Magazine - 2025 Edition

Explore the latest insights, trends, and expert analyses in finance with ABC Money 2025. Stay ahead in 2025!

LEARN MORE

Leading news network for crypto, finance and business.

More from ABC

Contact

Contact: advertise@abcmoney.co.uk © ABC Money Team @ 2006

  • bitcoinBitcoin (BTC) $ 94,693.00 1.44%
  • ethereumEthereum (ETH) $ 1,797.64 1.85%
  • tetherTether (USDT) $ 1.00 0.01%
  • xrpXRP (XRP) $ 2.19 0.36%
  • bnbBNB (BNB) $ 602.18 0.22%
  • solanaSolana (SOL) $ 151.34 0.35%
  • usd-coinUSDC (USDC) $ 0.999954 0%
  • cardanoCardano (ADA) $ 0.720199 1.35%
  • tronTRON (TRX) $ 0.243590 0.11%
  • staked-etherLido Staked Ether (STETH) $ 1,794.71 1.76%
  • avalanche-2Avalanche (AVAX) $ 22.62 2.41%
  • the-open-networkToncoin (TON) $ 3.24 1.46%