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Development of junket tourism

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How to spend your vacation? This is the number one problem at any time of the year. Although in summer tourists most often go to the sea, and in winter to ski resorts, there are places that are interesting all year round. So, gambling people, in addition to non gamstop UK casinos, can choose a junket tour anywhere in the world and enjoy all the benefits of a luxury vacation.

Junket tours are also called casino tours – they are organized “from and to” trips to gambling establishments. At the same time, the voucher implies a full range of services: comfortable transfer, comfortable accommodation, playing in the casino itself and, if necessary, spa, excursions and other types of entertainment. It’s nice that there are many standard junket tours, and that you can choose the conditions for your individual holiday.

Junket tours are incredibly popular and are becoming more and more popular, since the price of such a vacation is comparable to a regular sea tour. And since part of the casino is located close to attractions and beaches, many decide to combine a beach holiday with gambling. Some tourists decide to change the virtual pleasures of the game for real ones.

For the first time, casino tours appeared in the USA and Europe, but in recent years they have been actively developing on the territory of the CIS in special recreational zones.

Nuances of organizing junket tours

Although a casino tour can be completely customized, starting from the number of days of stay, ending with the conditions of accommodation and games, most gambling travelers prefer the standard options. It’s easier and much cheaper this way. The casinos have already provided the best options in terms of value for money. Mostly junkets are organized according to the “all inclusive” system.

For its part, the casino provides full security for the player during his stay on the tour, but on the other hand, the client signs an agreement and undertakes to play on the terms of the gambling house.

How is the transfer organized?

In most cases, the organizer takes care of the transfer. And usually comfortable modes of transport are used for this. Much depends on the distance between the client and the casino.

If the client is at a distance of several tens of kilometers, the transfer is usually carried out on comfortable buses or cars, up to the fact that the guest will be picked up right from home in a luxury limousine.

Luxury train transfers are popular in Japan and the EU. This is due to the fact that the countries have a well-developed railway network, and there are comfortable compartments that will allow the player to feel surrounded by care and luxury even before entering the gambling house.

When traveling long distances, the organizers offer several types of air travel. At the same time, travelers must be delivered to the casino from the airport by car. And at the end of the vacation, they are also brought by car to the terminal.

If the junket tour is organized according to the highest standard, the client can be taken to the gambling house by helicopter. Fast and effective!

Where do the participants of the junket tour live?

The standard package implies accommodation of players at a gambling establishment or in a hotel closest to the casino. But with an individual order of the tour, any options are possible. At the same time, the tour organizer is engaged in the search and booking of accommodation that the customer needs. And you can choose anything you want: an apartment, a house or even a whole estate. Naturally, all this is reflected in the budget.

Conditions for visiting the casino

Since the junket tour is organized in a casino and its main goal is to provide as many gambling opportunities as possible to the traveler, each contract stipulates the conditions for visiting the casino.

It is thanks to the well-thought-out system of describing the conditions of the game that the organizers get the opportunity to recoup the cost of the tour, and the players get the chance to play practically without restrictions.

Terms and conditions of the casino game contract

Going on a junket tour, it is imperative to read the terms of the contract, and not only the part where the casino undertakes to provide maximum comfort. The traveler also has obligations.

  • Obligation to buy chips for a specified amount or more.
  • Obligation to play the listed games. Since the casino provides benefits, it also introduces restrictions on the game, this is reminiscent of the conditions for wagering bonuses in non gamstop betting sites
  • Obligation to fulfill bets in certain amounts, not exceeding the maximum, and not less than the minimum.
  • Obligation to stay in gambling halls for at least a specified number of hours.

Since the payback of junket tours depends on compliance with these conditions, it is normal practice to open special deposit accounts. On these accounts, customers put the amount that they undertake to put in the casino, according to the terms of the signed agreement.

Convenience is that you don’t have to carry cash with you. No one will steal them and the player himself will not lose them. You can play directly from your account, without having to deal with cash at all. Winnings can be credited to the same account.

At the end of the tour, the traveler freely closes the deposit, withdrawing all the money without restrictions, including the accrued winnings.

Junket tours are a great alternative to the usual quiet rest, as it allows you to fully satisfy your feeling of excitement. And it depends only on the player where he will go and on what conditions he will rest.

Where Can you Buy Soju in Singapore?

Soju is a drink that is very popular throughout Korea. Traditional Soju is made out of rice, but there are some that are available today that are made out of starches such as barley, tapioca, and potatoes.

Soju is colorless and clear. The popular alcoholic drink tastes a bit like vodka, but is much sweeter as there are many sugars added when it is manufactured. The alcoholic content is very high with concentration typically being anywhere from 16 percent to 45 percent. If you cannot hold your liquor, be very careful when consuming.

 Typically, you can buy Soju in Singapore at many of the local bars and Korean restaurants as it is typically drunk with a group. You pour it into shot glasses and drink it together. Soju is also a popular ingredient in many types of cocktails.

Places in Singapore Selling Soju

There are many stores and restaurants throughout Singapore that serve and sell Soju. Here are some of the places you can find this very popular alcoholic beverage.

Prime Liquor

 Prime Liquor is a store in Singapore that sells many varieties of alcoholic beverages including Soju. You can purchase Soju in the store or you can also order it for delivery if you live within a certain distance. There are several Prime Liquor stores located throughout the city, which makes it easy to find one close that you can get your soju from.

Shine Korea Supermarket

 If you are searching for Soju in Singapore, one of the best places to go is a Korean grocery store. Shine Korea Supermarket has several locations including one in Burlington Square, Bras Basah Complex, and another in Bugis Village. Along with many popular Korean items, these supermarkets typically have several choices of soju available for you to purchase.

Drink2Connect

Another liquor store in Singapore that carries the wonderful soju is Drink2Connect. Here you will find many different options of soju from which to choose. The liquor store is located in Oxley BizHub

2D1N SOJU BANG KOREAN RESTAURANT

 If you are looking to enjoy some soju with some friends along with a great meal, try out Bang Korean restaurant. This great Korean restaurant has a great menu and a wonderful and fun atmosphere. It is located in Singapore close to the Buddha Tooth Relic Temple and Museum.

PintsnBottles

 PintsnBottles is a liquor store located in HB Centre. Here you will find many wonderful options when it comes to soju. One of the great perks about shopping here is that the store often offers some great bundle deals on your favorite soju brands and flavors.

Koryo Mart

 Another Korean market with several locations throughout Singapore is Koryo Mart. The store offers many traditional Korean items including soju.

Joo Bar

 If you want to spend the night out with some friends enjoying some great soju offerings, Joo Bar is a great choice. This fun bar has a lot to offer including some great mixed soju drinks. If you are not a fan of soju, they also have Hite beer available.

Paneco.com Singapore

 If you are not in the mood to go out, but you are craving some soju, paneco.com Singapore has you covered. You can order all of your favorite soju and have it delivered right to your door. You can make an order at any time of the day or night as this service is available 24 hours.

Cellarbration

Another great delivery option for when you are craving some soju but do not want to leave your house is Cellarbration. This is a great place to order soju from when you want it quickly and live close.

Booze Buddy Singapore

 Booze Buddy in Singapore offers many great alcoholic beverages to purchase. If you are looking for soju in Singapore, you should be able to find it on the shelves at this great liquor store.

Jelita Minimart

 The Jelita minimart is a convenience store in Far East Plaza. Here you will find all things convenient, including bottles of soju to enjoy.

 Overall, if you are looking for soju in Singapore, you should be able to find it no matter where you are located in the city.

Options Trading: The Most Powerful Financial Strategy in the World and Rules for Successful Trading

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A high-quality options trading education together with actionable trade concepts. With a full portfolio strategy, Steady Options offers training option and actionable business concepts. Steady Options is a high-end options trading consultation.

Several common options allow financial market traders to place themselves in a marketing point of view. Options plans will also assist investors in protecting, improving and maintaining their yield. Trade options have not been part of conventional intraday strategies in recent days. Today, however, times change and traders make significant profits by using options. Steady Options is the perfect brokerage service for those who want to learn how to trade options. This article presents the best business strategies that everybody should be aware of using options, as well as the rules for successful and effective trading. 

Effective Strategies for Options Trading

Stock prices remaining within a given range or directional movements will gain options strategies. Single-leg options to more complicated multi-leg positions with long and short options are all available. Here are some of the most successful options trading techniques you should use as a benefit multiplier in the right scenario. Trading profiles will be paired with strategies to give you a sense of who would enjoy using them. There are several strategies that are exclusive to Steady Options.

Covered Calls for Sale

Selling a call is where you write a deal that allows a customer to buy 200 shares of stock from you at the contract strike price. Since you’re offering, you’ll get a fee from the customer right away, which is defined as the time and inherent value of the choice. When you sell covered calls, you are just writing contracts on stocks that you already own. You could write four protected calls if you have 400 shares. When you sell a covered call out of the money, you write the contract at a strike price that is higher than the stock’s market price. The contract is void if it expires out of the capital, and it will not be exercised. You’ll hold both the premium and the stock you own.

Long-Term Equity Anticipation Security (LEAPS)

The long-term equity anticipation security (LEAPS) is a perfect way to save up for a stock without investing the entire purchase price. If you don’t have enough money to buy the whole stock, LEAPS are a great way to put it on hold.

LEAPS are alternatives for longer than one-year expiry periods, with some analysts interpreting the LEAP as being two years. The cost of controlling 100 shares of stock is much lower than the cost of purchasing 100 shares. Another benefit is that you can sell it without having to purchase the shares if it becomes lucrative.

The Iron Condor

Risk neutral methods assume that it is impossible to predict whether a stock will rise or fall. Changes in the underlying asset, particularly at expiration, provide benefit in this class of strategies. Options trade would gain or lose money with no net gain or loss in the stock price whether a stock was traded in a large range and then calmed down, or vice versa. The trader would hopefully like to end all the options, which is only likely until the underlying commodity closes between medium-scale and medium-sized two-strike rates. If it is good there is probably a charge to close the exchange. The failure is only reduced if it does not succeed.

Calendar Spreads

Calendar spreads are a smart way to get the benefits of both spreads and directional options trades in one spot. This technique can be implemented in a variety of ways, depending on the investor. The selling of a near-term option (either a call or a put) and the simultaneous buying of a longer-term option (call or put) are the two components of a standard calendar spread trade. Both options are of the same kind, and their strike prices are usually the same.

Butterfly Spreads

The butterfly spread is a neutral strategy that combines the advantages of both a bull and a bear spread. It’s a low-risk, low-reward plan. The butterfly wings are a protection against the trader’s limitless chance. The purchase of butterfly reduces the chance of misplaced butterfly prices.

Rules for Successful Trading

The following rules are important, but the combined effects are powerful. Keeping them in mind would significantly improve the chances of making money in the markets.

  1. Always Use a Trading Plan

It is simple to test a trading concept with today’s technologies before risking real money. Back testing is a technique that helps you to test your trading concept against historical evidence to see if it is feasible. Once a strategy has been developed and back tested with positive effects, it can be used in live trading.

  • Deal With Trade as A Business

To succeed, you have to treat a business as a full-time or part-time business, not as a hobby or a career. There is no true dedication to studying if it is approached as a sport. If it’s a career, it could be stressful as a daily paycheck is not available. Trading is a business that involves investment, loss, taxation, confusion, tension and risk. As a trader, you are mostly a small business owner and you need to look and work to exploit the potential of your business.

  • More about the Markets By Being A Student of Them

Traders must stay focused on learning new things every day. It’s important to note that exploring the markets and all of their complexities is a lifetime endeavour. The hard analysis enables traders to comprehend the reality, such as the meaning of various economic studies. Traders can sharpen their intuition and master the dynamics by focusing and observing.

  • Keep Your Trading Capital Secure

It’s important to remember that maintaining your trading capital does not imply that you’ll never lose money. Any trader has a losing trade. Protecting your money means avoiding needless losses and doing everything possible to keep your trading company afloat.

Brokers That Do the Best Online Option Trading

Be sure you choose an online broker that allows you to exchange options. You can also make sure that every online broker you’re thinking of is well supervised in their home country and accepts clients from your country. Steady Options is a high-end Options Trading services company. They have a unique combination of high-quality education and practical business advice. The forum will concentrate on non-directional tactics.

Learning a new language: seven reasons to do it

You have likely thought about learning a new language at some point in your life, but out of laziness or fear you have not yet done so. You may also feel unmotivated or not have enough time, but no matter the reason, we give you 9 advantages of acquiring a new language within your knowledge.

1-Power your confidence

Learning a new language is a springboard to your self-confidence. Progress in acquiring new forms of expression will motivate you to continue learning. In addition, those who do not know the language will be amazed by your progress and will push you to continue learning. Another form of self-motivation is getting in touch and communicating with people who speak the new language. For example, if you want to learn Spanish in another city, Barcelona is the best one. This way you will know how they communicate, what words they use and what emphasis they put on each term.

Don’t forget that it can be an honour for the native speakers of that language that you are acquiring their language to communicate with them. Don’t worry if you’re not good enough yet, it’s worth a try. No native speaker will expect you to know the language perfectly, but the feedback will certainly be positive and boost your confidence that you can do it.

2- Improve your brain health

Learning a language keeps your brain in a state of wholeness. This is due to all the internal processes that are activated when learning a language. Vocabulary and grammar activate the neurons and increase memory. According to the University of London, people who speak two or more languages are less likely to suffer from neurodegenerative diseases such as Alzheimer’s. What are you waiting for to start studying a new language?

3- Traveling has never been so much fun

Acquiring a new language transforms your vacation into a unique experience. Being able to communicate in two languages opens doors and contacts with native people. You will see how receptive they are when a tourist understands their language and exchanges knowledge with them. By learning a new language you will have the possibility to mix among the natives and be one of them for a few days. The experiences will not belong in coming.

4- Facilitates decision making

Are you undecided? Do you find it difficult to choose between option A or B? Then learning a language is the best way for you. According to the University of Chicago, incorporating a foreign language makes decision-making easier. This is because bilingual people reason in both languages before reaching a final answer. In addition, they are more confident and open-minded.

5- Make friends

Language schools are an excellent place to make friends. They tend to be places that encourage collective learning, in a pleasant climate free of prejudice. In addition, you will soak up the best of the local culture with community excursions and recreational outings to learn outside the classroom.

Language courses are attended by people from all over the world with completely different cultures. Learn from them, and they will learn from you. You can build good relationships and stay in their home countries whenever you like.

6- Live and work in another country

Recruiters value foreigners who are fluent in the language. For this reason, learning a language for a few years maybe the best reference for obtaining a job outside your country. If you are looking for new horizons you have to focus on the language of the country you want to go to. This will open many professional doors for you.

Globalization demands that you know different languages and cultures to adapt quickly to work environments. Large companies are looking for multicultural people.

7- Open your mind

Learning a new language is the best way to see the world from another place. By incorporating a new language you will be able to see the world from other eyes. You will leave behind prejudices and behaviours to acquire new ways of seeing life and analyzing everyday situations. By opening your mind, you will be more tolerant and receptive to other people.

How to Reduce Paper and Non-Paper Office Waste

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Going green is a buzzword that is already circulating in the business sector. It’s a socially conscious initiative that many companies have already implemented in many ways. It’s not uncommon, however, for some businesses to struggle in finding the right strategy that fits their needs and values. But if you’re looking at one of the simplest ways to make your business “green”, you don’t need to look further than waste reduction.

Reducing office supplies and paper waste

Stationery supplies and other types of paper and office supplies are essential in every business. The most radical way to reduce waste is to go paperless, which is nearly impossible. So how can you reduce paper use? Here are the best actionable suggestions.

  • Encourage employees to practice editing before printing documents. This will help eliminate draft copies. But in case of important paperwork where drafting is required, you can collect used paper and print on the blank side. This will maximise use before the paper gets discarded.
  • Make digital storage a standard office practice. Since most companies today make use of cloud programs and apps, there’s no need to worry about storage space.
  • When it comes to reports, you may use emails and spreadsheets instead. Print reports only when they need to be signed.
  • You can recycle envelopes by putting a label on top of the old ones.
  • Do what is necessary to remove the company’s address from unnecessary mailing lists. This will reduce the need to dispose of promotional mail.
  • Make recycling part of the company’s “green” culture. There are companies that specialise in picking up shredded paper for recycling.
  • For announcements, make use of an online bulletin instead of posting printed copies throughout company premises.

How to reduce non-paper office supply waste

A majority of office supply waste is composed of paper products. But, some residuals also come from other supplies such as gadgets, furniture, and other peripherals. You can address the waste problem by reducing solid waste.

  • Consider buying supplies without packaging. This may be a challenge because of delivery safety, but buying from a local supplier helps. Instead of paying for shipping, your company can pick-up the items to reduce or avoid packaging waste.
  • If you can’t avoid packaging, you may want to ask the supplier to use a returnable container.
  • In case of equipment your company uses occasionally, you may want to consider renting instead of buying. This will not only reduce costs and waste but also help eliminate the need to allot storage space.
  • When buying equipment such as computers and furniture, always buy quality ones. The longer the equipment lasts, the less you have to worry about waste and replacement.

Waste reduction can also become part of employee and company culture in different ways. For example, you can stop supplying disposable pantry cups and utensils. This will encourage employees to bring reusable cups and silverware. Lastly, practice recycling plastic bottles and metal cans. Make it a point to have designated bins for these recyclables, making them easier to bring to the recycling centre.

How to keep visitors on your online store

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Since the first online store, consumers have increased their spending on shopping simply because of the convenience that only shopping brings. One thing that many businesses suffer from is that visitors don’t stay for very long on their sites. This initiates them to take some steps that can help them to cut through the noise in the crowded ecommerce world and establish meaningful interaction with their customers. The good thing is that there are a lot of social media platforms such as Socital app that can help merchants capture leads, convert anonymous visitors into customers and increase their sales. The main philosophy behind this is that it pulls the customers’ data from their social media profiles and use them for targeting. This is a very successful strategy for the owners of e-commerce business.

There are quite a few other things you can do in order to keep visitors browsing, and if you are needing some help doing that, here are a few tips on how to keep visitors on your online store.

Use exit popups

A simple way to keep visitors on your site is to use exit popups, which are non-intrusive and can retain the attention of visitors for a while longer. Unfortunately, it doesn’t matter how much time you spend on marketing and making a site look great if the visitors don’t stay.

Exit intent popups will detect when a visitor is about to leave, and prompt the visitor to stay using a few different techniques. You could use a chatbot that asks if the visitor requires assistant, ask if they would like to talk to an agent, or show them a promotion that might get them to subscribe. The best popups are those that show up when a visitor presses the back button, as these help to reduce shopping cart abandonment.

Make it easy to read

It goes without saying that in todays fast paced world, and with the speed of technology, that visitors don’t want to spend hours on your site to find something they are looking for. This is why it is incredibly important to make sure the site is easy to read, the tabs are easy to find, promotions and sale items are upfront, and more.

Visitors will only spend around 6 seconds looking at the subheadings and paragraphs that they see before leaving, which is why you need to consider a few things, such as:

  • The spacing of subheadings
  • The size of the fonts
  • The length of paragraphs
  • Visible videos and pictures

If there is too much going on, the site is hard to scan quickly, and if there is too little information available, visitors wont know what the site is all about.

Make it compatible for mobile devices

One thing that is incredibly important to remember is that almost everyone has a mobile device, specifically 3 billion people, which means that it is of the utmost importance that your site is compatible for mobile devices.

Most people will browse sites when at work, or when bored, and most don’t use their laptops or computers to do this. This means that if your site isn’t mobile compatible, and visitors aren’t able to view the entire website with convenience, they will leave as soon as they realize this. This translates to a lot of potential customers being lost; it also means if you have mobile support, you will see an increase in sales.

Be helpful

One of the greatest things to happen is when a visitor actually subscribes to your site, since this means that they are now a potential customer. Business often don’t follow this up, and as a result, the new subscriber leaves the site and will only visit it again when they need something.

What you could do, to be proactive, and keep the new subscriber on the site for a while longer, and even potentially make a sale, is to provide that opportunity at the thank you page. You could provide a few links to your blog, or even product suggestions if they have been browsing and your site is able to provide suggestions after tracking the pages visitors have viewed. Don’t miss the opportunity to keep the visitor scrolling.

Make sure the page loads quickly

Something that many site owners don’t consider is the speed of their site. On average, a visitor will leave after 3 seconds if the page hasn’t loaded yet, which results not only in a lack of traffic, but a lack of sales.

You should try to visit your own site using different devices to see how long it takes, and then take steps to make it load quicker. Some of these steps include:

  • Compressing images to make the size of data being loaded smaller
  • Use a smaller font size
  • Use multiple servers

5 Life Insurance Scams You Should Be Aware Of

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The most beneficial feature of life insurance is that it ensures your loved ones have financial support after your demise. The coverage amount can be used for varied purposes like your children’s education, settling liabilities, or any other purpose of your beneficiary’s choice. Buying a life insurance policy is now easier than ever, with prominent life insurance companies selling policies online. However, you face the risk of being lured into life insurance scams when you choose to buy your policy from insurance company websites.

Insurance expert Gary P. Cubeta from Insurance for Final Expense recommends verifying the website’s authenticity before you buy a life insurance policy online.

Fake Online Quotes

In this kind of scam, the insurance company website uses fake quotes as click baits. The intention is to get users to submit their personal information in exchange for details about the quote. The personal information is then sold to insurance agents who use it to promote their business. The quotes presented on the website may be considerably lower than those provided by other insurance companies. You may want to watch out for insurance quotes that look like they are too good to be true.

Identity Theft Scams

Sometimes, scammers pose as insurance companies or insurance agents to execute the scam. The scammer may initiate a conversation with you and extract sensitive information from you under the pretense that the information is for a life insurance policy. Unassuming users may submit their bank details and other private information under the false presumption of applying for life insurance.

Professionals like Gary P. Cubeta from Insurance for Final Expenses assert it’s best to avoid submitting details like your SSN, PIN, and other account details online if you want to avoid exposure to life insurance scams. Confirm the identity of the insurance provider or agent before giving them any valuable information.

Identity theft scams may take the form of false insurance websites or fake insurance agents. Scammers may employ special measures that make it difficult for others to trace their identity. Legitimate insurance companies and agents will most likely not ask for your credit card information online.

Scammers may even run elaborate false websites that resemble the website of a reputed insurance company in the country. They may post similar logos, taglines, and descriptions to trick potential victims. The website may even offer policies that require no medical verifications or attractive offers for people with pre-existing conditions.

Issues with Your Present Life Insurance Policy

Scammers may send you emails or messages stating an issue with your current life insurance policy. The email may tell you that the insurer did not receive your last premium or that you will receive an additional bonus if you submit your credit card information. The email may resemble the regular emails that your insurance company usually sends.

Experts like Gary P. Cubeta from Insurance for Final Expenses advise customers to cross-check the authenticity of the information with their insurance company and their insurance agent before submitting details and responding to any emails relating to their insurance policy to avoid life insurance scams.

Declaring You as the Beneficiary

You may receive emails or calls telling you that you have been registered as the beneficiary of someone’s life insurance policy. The scammer will trick you into believing that you are eligible for benefits of another person’s policy and that the said person passed away, leaving you eligible to claim insurance benefits. The scammer may ask you to submit personal information like your SSN or credit card details to claim the amount. 

Overselling a Policy 

Insurance agents work for a commission. The higher the price of the policy you choose, the higher will be the agent’s commission. The commission charged by the agent is typically based on the premium of the life insurance policy.

Insurance agents trying to earn high commissions may trick you into buying expensive life insurance policies that you do not need. The policy will give you the promised benefits, but it will contain clauses and conditions that serve you no benefit.

Clauses like the double indemnity rider clause and the waiver of the premium rider clause may be completely irrelevant. The average cost of life insurance coverage in the US is approximately $125. The number could be higher for older applicants. Overspending on terms and conditions that you do not need will further increase your life insurance coverage cost.

Consider working with an expert insurance consultant to better understand the terms of your policy before buying it.

Get the Help of Insurance Experts

Working with expert insurance consultants can minimize the possibility of you falling prey to life insurance scams. Consultants can put you in touch with reputed insurance agents and insurance providers and help you with the application process. Experts can also educate you on different life insurance policies you can buy and the benefits of each of those policies.

Coronavirus pandemic – the perfect time to get your TEFL certificate

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Yes, you read the title correctly, this pandemic has created a situation which is perfect for something positive – in this case it’s achieving your TEFL cert. The C19 virus outbreak has changed so much about our lives that it’s almost impossible to remember what ‘normal’ used to be, and especially about travel. With self-isolation rules in full flow if you’re returning to the UK from a designated country, and travel forbidden to others, globe-trotting is definitely out of the equation for now. Sadly, all dreams have fallen by the wayside – so what can be good about this situation?

Well, look at it as if it were an advantage to you. Have you been planning to become TEFL qualified for a while but it’s never been the right time? Or maybe you’ve been putting off the leap into the unknown because it’s just been too scary. If so, now is absolutely the right time to re-consider your position. The teaching English industry has been quick to use the current climate to its advantage. The rules around education, work and travel have changed, but the industry has been moving fast to make the most of any opportunities afforded to it. A quick run through of the benefits of getting a TEFL certificate include being able to teach students worldwide, you can work from home without compromising your official role, you’ll have a job that neatly sidesteps any recession and you can set your own timetable. What’s not to love about that?

But why is NOW the right time?

  1. Simply put – education is always going to be something that people invest in. The need for education across the board is never going to go away, it’s a firmly established industry that has plenty of scope for growth in all directions.  Qualified teachers are always in high demand and the wheel of education is not one that’s going to stop turning. No matter what the state of the worldwide economy is, education will (quite rightly) be prioritised as an investment in the future. And not just in a local sense, this is a feeling that stretches across the globe. Owning material things has ceased to become so popular now that people are seeing how superficial it all is, and instead creating opportunities out of whatever is available has become the forerunner in the popularity stakes.
  1. Once you’ve qualified you can add your TEFL cert. to your CV and make extra money with the skills you’ve learned. These skills are transferrable ones and can be practised teaching adults and children alike.
  1. It can make your professional life flexible. Yes, we know that this is a point which is always raised as a bonus to studying for your TEFL certificate, but there’s a reason for that – because it’s SO true! Online teaching is probably the most versatile career that you could have and your time is your own to sculpt into a pattern that suits you. So that means if you’re keen on visiting (or moving to!) a rather remote location you’ll be able to keep up and keep earning through online teaching. This is going to be an especially valuable skill if you’re going somewhere where there aren’t many professional roles available.
  1. You can say goodbye to cabin fever! The hamster wheel of employment can feel like a long, hard slog to get through. Doing the same thing day in, day out, possibly with a horrible commute and long hours at a job you don’t especially like. If that sounds like you then you’re probably desperate to try something else, but you’re not in a position to plunge into financial uncertainty. If planning to explore the globe has always been on your bucket list, or if it’s a desire that has surfaced recently, then qualifying as EFL teacher is the perfect industry to get into and work at as you travel. You can meet new people and experience other cultures, secure in the knowledge that online language teachers will always be in demand.
  1. Comparatively speaking you can start earning money really quickly. Not as quickly as you would in a more menial, lower paid job that anybody can do, but quickly in terms of beginning a new career. You could be embarking on it in as little as six weeks once you’ve earned your TEFL certificate. Teaching online allows you to meet people across the world without leaving your house. Some might say it’s a gateway into opportunities you never knew existed. 

When you’re considering your TEFL aspirations it’s important to choose your course with the future in mind and what you want to have. Do you want to complete a course that supports graduates in their job search? Some course providers offer lifetime support to their graduates. Do you want a course with extra online teaching instruction so you can hit the ground running and be more confident about your newly-learned skills? Some courses provided by overseas programs come with visa assistance which is useful if you’re thinking of working and living there in the future.

There’s a heavy load of bonuses about going down this path and it’s possible to really make it work for you within your life, almost no matter what your commitments. There aren’t many careers that are this flexible so if it’s something you’ve always thought about then seize the opportunity during this pandemic when there’s not much going on, and you might have been furloughed, to complete a TEFL course which promises so much for your future.

Dominique Grubisa: Should I Buy From her?

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These days buying goods and services is easier than ever before. Long gone are the days when you would drive around town to browse through stores to try things on before you bought. That tangible, sensory experience has been replaced by the excitement and adrenaline rush of online catalogues, flashy sales videos and the opportunity to buy from retailers around the world with the click of a button, not to mention the added convenience of having your goods dropped off to your doorstep. We are addicted to the retail fix albeit via a different medium in our ever-evolving digital world.

We have become so accustomed to not only trusting the online shopping process and the marketing messages conveyed to us by businesses, that we simply take for granted that, what is being offered will be what’s delivered. So, what if what you ordered, wasn’t what was delivered? In some cases we might look to return the product, but as with most of us, depending on the price point, we simply put it down to experience and suck it up. But what if you are outlaying thousands of dollars for a program or service from someone you’ve never met or seen before. What if that someone is Dominique Grubisa, CEO and founder of the DG Institute. Should you be buying from her?

Building a brand these days is paramount to a business’ success and core to this success is the delivery of quality products and services, their fulfilment, timely delivery and a high standard of customer support. It can be challenging to maintain a level of excellence that your customers have grown to expect. The businesses that take on these challenges and make them core to their central ethos are the ones that do well. But simply doing well as a business is not enough these days, it’s your client’s outcomes and the value added for them by your offering that are the true benchmark by which a business should be measured. This is an expectation that Dominique Grubisa has put front and centre at the DG Institute.

As a practicing lawyer for over 27 years, 22 of those as a barrister, Dominique Grubisa built a reputation for herself as a trusted legal professional who forged a career around the high standards of integrity and honesty expected by the legal establishment. A reputation that is the cornerstone of the DG Institute, a company Dominique founded in 2009 and built around a simple premise – to empower everyday Australians to grow and protect their wealth.

Having experienced first-hand the destructive effects caused by the global financial crisis, Dominique realised the “system” did not provide people in similar situations – those battling insurmountable debt, any real alternative to situations like – business loans being called in by banks, mortgagee lenders repossessing homes and individuals facing bankruptcy. Regrettably, the only people benefitting from the fallout were lawyers and insolvency experts. It was at this point Dominique realised she could use her legal expertise, personal hands-on experience with debt and her understanding of how the legal system worked, to offer many Australians who would otherwise have been deemed a casualty of war, an opportunity to rebuild their lives without the destructive consequences of bankruptcy and the burden of lingering debt. She did this with her flagship product  – the Master Wealth Control “Vestey Trust”. An asset protection trust structure designed by Dominique herself with the intention of providing a more cost-effective price-point than that usually charged by lawyers. To date, Dominique Grubisa has helped over 12,000 people protect and grow their wealth, to not only survive but to thrive.

Fast forward to 2021, the DG Institute has developed into a diverse centre for learning, continuing Dominique Grubisa’s mission to empower everyday Australians to take control of their lives through education programs in areas which include property investment and development, business, personal growth and wealth protection. The intended goal behind these programs is to provide people with a clear path for personal development, the tools for achieving their full potential in their chosen investment pursuits and to offer motivation and inspiration from a like-minded community. In addition to her programs, which were designed and developed by Dominique herself, she also saw the need to provide her clients with a full compliment of professional services, fully backed by regulatory certifications, industry association licencing and supported by highly qualified and experienced staff. These professional divisions include DGI Lawyers, to ensure clients have their commercial and contractual interests prioritised, protect their assets effectively and undertake succession planning for future generations, DGI Accounting, providing advice on and implementing strategies to grow and protect wealth by delivering end-to-end finance function services, DGI Debt Management, to provide a customised approach to helping clients handle their outstanding debt situation and DGI Finance, to offer holistic support throughout the loan process all the way through to settlement. The result, a premium all-in-one experience, whereby the company is united in delivering excellence for their clients’ entire wealth journey.

So to put it simply, know that when you buy from Dominique Grubisa’s DG Institute, you aren’t just buying a product or service, you are buying with confidence in the knowledge that your product or service is based around sound legal principles, leading industry resource data, comprehensive education programs, relevant professional indemnity insurances and the full support of industry subject matter experts delivering reliable, accurate and timely services and programs empowering every-day Australians and their families to thrive.

Government And Social Agents Will Evaluate The Formula For Raising Pensions

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The soap opera of the revaluation of pensions could close the chapter. The Government and the social partners will carry out, within the framework of social dialogue, a periodic evaluation every five years of the effects of the new formula for the revaluation of pensions with the CPI, to which the Minister of Inclusion, Social Security and Migrations finally agreed. , José Luis Escrivá , for the maintenance of purchasing power.

This is reflected in the draft agreement on pensions sent yesterday to unions and employers to which Europa Press has had access . The aforementioned evaluation of the effects of the annual revaluation will be transferred to the Toledo Pact and “will contain a proposal for action if it is necessary to correct any deviation to preserve the maintenance of the purchasing power of pensions,” according to the text.

This additional rule, included in the reform of the new revaluation formula, has the reinforced objective of preserving the maintenance of the purchasing power of pensions and guaranteeing the economic sufficiency of pensioners.

The new revaluation system will guarantee the maintenance of purchasing power through the increase in pensions on January 1 of each year in accordance with the average inflation registered in the previous year. In addition, it is collected that in the case of negative inflation, pensions “will not suffer any reduction, leaving that year unchanged.”

On the other hand, on the reducing coefficients that apply to early retirement , the text says that the reducing coefficients corresponding to retirement for reasons not attributable to the worker will be applied in those cases in which the person who retires early voluntarily is receiving unemployment benefit for at least three months before.

The draft states that, in order to reinforce the equity of this type of pension, the reducing coefficients will be applied to the amount of the pension, respecting the maximum limitation. In addition, the elimination of the regulation so far applicable in the cases in which the theoretical pension was above this limit will be done progressively over a period of 12 years .

“This forecast, together with future increases in the maximum pension during the transitional period, will serve to absorb the effect of the measure for those workers who contribute above the maximum pension,” says the text, which specifies that its application is conditioned to the subsequent determination of that path of raising the maximum pension.

Reductions for early retirement
For those with contributions for less than 38 years and 6 months, advancing their retirement by 24 months will mean a reduction of between 21% and 3.26% (1 month before); For those with more than 38 years of contributions and 6 months, but less than 41 years and 6 months, the maximum reduction will be 19% (24 months) and the minimum of 3.11% (1 month).

For its part, the reducing coefficient will become 17% if those with contributions over 41 years and 6 months, but less than 44 years and 6 months, retire two years earlier. If they do it a year before, the reduction will be 2.96%.

Finally, those who are more than 44 and a half years old will have a reduction of 13% for retiring two years earlier, but this will be modulated as they approach their age of access to retirement and will stand at 2.81% a year before.

On the other hand, regarding involuntary early retirement , modifications are introduced to the causes of contractual termination that give the right to access this modality, the applicable coefficient on the pension will be determined per month in advance of retirement and not per quarter.

In addition, in relation to the two years immediately prior to the ordinary retirement age, the same coefficients are applied in the determination of the involuntary early retirement pension as in the voluntary modality in those cases in which the new coefficient is more favorable than the one currently in force.

Additionally, the reducing coefficient corresponding to each of the six months prior to the ordinary retirement age is lowered with respect to those proposed for voluntary retirement.

Indicators of dangerousness or distress
On the other hand, it indicates that the modification of the application procedure for early retirement is agreed due to the activity and the indicators of danger or hardship that determine access to this type of early retirement are specified in greater detail.

In addition, it establishes that the requests to initiate the procedure must be formulated jointly by the most representative trade union and business organizations; or by trade union organizations and the corresponding administration when the procedure affects public administration personnel.

With regard to applications already submitted, the Ministry of Inclusion, Social Security and Migration will establish a calendar for the resolution of the files.

Delayed retirement and active retirement
In the case of delayed retirement, the draft provides that contributions will not be made for common contingencies, except for temporary disability, as of the ordinary retirement age that corresponds in each case.

It also offers three types of incentives for delayed retirement, to be chosen by the worker, for each year of delay: an additional percentage of 4% (which will be added to the corresponding percentage according to the number of years contributed and will be applied to the respective regulatory base for the purpose of determining the amount of the pension); a lump sum (single payment) depending on the amount of the pension and rewarding the longest contribution careers, or a combination of these two measures. The single payment will range from a minimum of 4,786.27 euros to a maximum of 12,060.12 euros.

On the other hand, a condition for accessing active retirement will be required for at least one year after reaching the ordinary retirement age.

Within a maximum period of twelve months, the Government will review, within the framework of social dialogue with trade union and business organizations, this type of retirement in order to correct the differences existing between special regimes and systems and favor the maintenance of the activity of older workers, while preserving the sustainability of the system.

Forced retirement clauses are prohibited
Regarding forced retirement, the draft contemplates the prohibition of the conventional clauses of collective agreements that determine the forced retirement of the worker due to the fulfillment of an age lower than 68 years, but those that would have been included in collective agreements may be applied to the protection of the legislation until now in force as long as they remain in force.

With the aim of favoring the permanence of older workers in the labor market, the pension reform contemplates establishing a 75% reduction in employer contributions to Social Security for common contingencies during the temporary disability situation of those workers who they would have turned 62 years old.

Among the measures to improve the quality of the protective action, the draft states that, in six months, a review of the regulatory framework for access to the widowhood pension of common-law couples will be addressed within the framework of social dialogue in order to to approximate the conditions of access of this group to that of couples constituted in marriage.

The safeguard clause will remain in its current regulation indefinitely, so that it extends its effects beyond January 1, 2022, guaranteeing coverage of all the people that it was originally intended to protect with the aforementioned clause. With this extension, all workers who left the labor market in the previous crisis will be allowed to apply the pre-existing retirement regime before the 2011 pension reform.

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