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Understanding the Supplement Industry: 4 Things You Need to Know

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One of the largest areas of the health and wellness market is the supplement industry. These days, there is a supplement for almost anything. Whether you want to maintain your health, improve your sleep, feel more energised or manage certain health conditions, you will most likely be able to find a supplement to help you. Taking supplements is an easy and affordable fix to supporting the health of individuals, which is why they are so popular. 

The popularity and versatility of the supplement industry tempt many people to start their own business in this field. Before starting any business, market research is key, so if you are thinking about going into the supplement industry, here are 4 things you need to know and understand before you get started. 

Your Potential Audience

Identifying your potential audience is crucial for any business to succeed and is something you should do before setting yours up in the supplement industry. First, you need to know which generations take supplements the most. This will help you to market your business correctly. If you are planning on selling certain types of supplements, you need to know who takes what supplement and how much money it makes in order to succeed. While many people re tempted to target their business towards younger generations, older generations usually need and use supplements more, so it is worth doing what you can to market to those individuals too. 

Most Popular Supplements

If you are choosing to sell particular supplements, then stocking at least one popular supplement is a good idea, as this will get people interested in your business. The most popular supplement category is by far vitamins and minerals. These supplements are simple, easily accessible and uncomplicated. People know that taking these supplements will fill vital gaps in their nutrition and support their health, which can appear in the most healthy and balanced diets. The top five supplements in this category include B complex, calcium, vitamin C, vitamin D and the most popular, multivitamins. 

Understanding Specialty Supplements

As well as knowing the most popular supplement category, making yourself aware of the top specialty supplements is important too. This is important because specialty supplements are the next most popular category after vitamins and minerals. Just like vitamins and minerals, specialty supplements are fairly straightforward and accessible; however, when it comes to achieving certain goals and levels of health, specialty supplements are more specific and give you that extra support that you know you need to improve your health. The top five specialty supplements are omega 3 fatty acids, fiber, probiotics, CoQ10 and digestive enzymes. 

Types of Capsules 

Knowing the different supplements that people want is the first step, but in order to make a product people want and to be successful, you need to understand the different types of capsules. Both capsules and tablets are very popular and they both work by transporting the supplement to your body via your digestive tract. However, they both have pros and cons. If you choose to distribute your supplements in capsules, then you should go for empty capsules in the most popular sizes. You should also look into gelatin-free capsules, as this will encourage those with specific diets to purchase supplements from your business instead of others. 

There are many aspects of the supplement industry that you need to know before you start up a business in this area. Having a basic understanding and a passion for the industry will make it easier for your business to stand out and succeed in this competitive field, which is the ultimate goal for any entrepreneur. 

The Benefits of Taking Out No Credit Check Online Payday Loans

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It’s understandable when you have doubts about online payday loans. This loan option has been in the news and on the internet with some negative reviews. They say that lenders of online payday loans are hell-bent on charging exorbitant fees and interest rates on borrowers. 

While there are indeed rapacious lenders doing their shady business online, you can also find payday loan providers following government regulations and rules. For instance, you can apply for online payday loans no credit check at friendlylender.ca if you’re looking for a credible online lender. 

Search for an online lender with a good track record and who follows good lending practices for you to enjoy the benefits of payday loans. Yes, this type of loan has its pros despite the bad reviews you read about it. For you to know what those advantages are, read on below. 

Available for All Types of Credit 

Having a bad credit history will surely put you into a struggle getting loan approval. But, if you pick an online payday loan, there are more chances that you can qualify for it because there’s no hard inquiry on your credit profile. 

Online lenders of payday loans will only ask about what kind of work you have and how much you receive every salary. When your lender sees that you’re receiving a decent income each month, you can obtain the loan amount you need even if your credit score is below average

You Can Apply for It Any Time of the Day

Borrowers can send their payday loan applications 24/7. Yes, you heard that right. Most online lenders can process your loan whatever time of day you apply, and some of them even cater to their clients on weekends. This 24/7 accessibility is one of the reasons why online payday loans are very popular among borrowers. 

Easy Application Process

You don’t need to meet up with a lending company representative when you apply for an online payday loan. If you’re strapped for cash, and you need money, you can look for a lender on the internet and send your loan application on its website. 

It won’t take you a long time to fill your personal information on the application form and send your credentials. After you’ve sent them to the lender, he/she will check whether you’re good to get the loan or not. Most of the time, you can receive the lender’s decision within the day or the next day. 

When searching for a payday loan provider on the web, make sure that you look for reviews or testimonies on its service. It’s also crucial to read the terms and conditions to understand its loan offer better. 

Great Option for Emergency Expenses

If you go for a loan that gives you no trouble when you’re applying for it and doesn’t conduct a hard inquiry on your credit, it means that it would take less time processing it. In such a case, you can expect that the funds that you need will be sent to your bank account after your lender approves your application. 

An online payday loan is an excellent option for borrowers who need quick cash to pay for their emergency expenses and important purchases. Let’s say your electricity bill is on its due date in three days and your salary is still a week away, you can get a payday loan to cover your electricity bill. 

Just make sure that you pick a payday loan provider with a good record of fast loan processing time. Moreover, avoid being too hasty with choosing an online lender even if you badly want to borrow money at the moment. 

Choose Your Loan Term

Some lending companies that operate online allow their borrowers to choose the repayment period of the loan. This is advantageous to borrowers because they can pick a loan term that suits their financial circumstances. 

However, you must keep in mind that payday loans are short-term loans, meaning they can only last between two to four weeks. But you can also find lenders that let you repay the loan in two to three months. 

The only catch with online payday loans is that the interest rates are higher than other loan types. So, you have to budget your repayment to ensure that you make payments on time. Otherwise, extending the loan may charge you with additional fees, and you may find yourself struggling to pay it. 

Takeaway

Go for an online payday loan if you’re short on money for your essential expenses. This loan type is only for short-term financing, and you can use the loan amount for paying bills and other immediate purchases. 

For those folks with below-average credit scores, you can take out a payday loan if you have a steady source of income. You won’t also have trouble applying for this loan option because it’s online and available 24/7.

River Financial raises $5.7 million with Growing Demand in Plan B services.

River
financial, a bitcoin-based financial company had announced annual monthly
transaction growth of 80 per cent, doubling customers per month since January
2020 and recently raised a $ 5.7 million seed round to start expanding its
bitcoin financial services portfolio. This rise is partially due to the
unbridled attempts of central banks to boost the economy. This enlargement is
partially due to unbridled financial support measures.

“The
flooding action we’ve seen since the start of 2020 has been to some extent
roused by the Federal Reserve’s remarkable money related intercession,”
said Alex Leishman, River Financial’s CEO, in an official statement imparted to
Bitcoin Magazine. “Moreover, Bitcoin is developing according to
inheritance financial specialists like Paul Tudor Jones, Dan Tapiero, Raoul Pal
and others. These prepared full-scale financial specialists are demonstrating a
developing enthusiasm for bitcoin as the advantage class keeps on turning out
to be legitimized inside the standard fund network.

The report
noted that after March 2020,77 percent of River’s value can be traced to what
it terms “Bitcoin Boomers” buyers over 55 years of age who engage in bitcoin as
a protection against possible inflation triggered by the stabilization
initiatives of the central bank.River founded at the end of 2019, aiming to
establish a financial services firm based exclusively on the initial
cryptocurrency. Visit bigmoneyrush.io

“The
theory for our organization is that bitcoin is going to keep on developing as
cash and a store of significant worth,” Leishman revealed to Bitcoin
Magazine recently. “We’re fabricating this organization around monetary
administrations, accepting bitcoin will be utilized as cash.”

Through
narrowing its scope in this way, River aims to deliver especially reliable,
protocol level resources and cold storage infrastructure. This has incorporated
the Lightning Network into its infrastructure and wants to exploit
incorporation with hardware wallets to fund potential non-custodial financial
goods.

Its ongoing
multi-million-dollar seed round reached commitments from Polychain Funding,
Castle Island Projects, Steve Lee’s Square Crypto and others in the room. The
river would like to expand its structure with the capital injection, produce
additional products, step in the direction of providing scalable
administrations and develop its consumers’ presence in the U.S.

The users had
seen River financial bridging the divide between conventional finance and
bitcoin, It is said Olaf Carlson-Wee, Polychain Capital CEO per statement.
“Finance development is only

evolving
faster in the midst of the latest global economic downturn which had exposed
gaps inside existing financial structures that bitcoin might theoretically
cover.

SAN FRANCISCO
(PRWEB) June 17, 2020. Bitcoin money related establishment River Financial shut
a $5.7 million seed round to work out its set-up of Bitcoin budgetary
administrations. The Multimillion-dollar round involves an investment from
Polychain Investments, Slow projects, Castle Island Developers, DG Lab Company,
Cygni Investments LTD and IDEO CoLab Ventures as well as investments from a few
private theorists including Square Crypto’s Steve Lee.

With an
overall monthly volume rise of 80 per cent, the river experienced incredible
development this year. As of January, the number of customers had doubled each
month. Much of the explanation for River’s popularity can be traced to “Bitcoin
Boomers” traditional buyers over 55 years of age- Buying large quantities of
Bitcoin to protect against future inflation induced by the Fed’s ongoing
monetary policy.

River
likewise pushed the private customer service on the heels of this subsidizing.
Its administration is geared to family businesses, individuals with elevated
net assets, and other dynamic finance professionals searching for greater
proposal caps up to $ 250,000,000 moment efficiently and a committed private
customer manager.

Exciting Things to Do in San Francisco as a Solo Travel

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San Francisco, home of the breath-taking Golden
Gate Bridge. It is widely considered as the cultural, financial, and commercial
heart of Northern California. Many different cultures from all over the world
call this beloved city their home. You can expect a lot of exciting things to
do and places to visit in San Francisco. If you feel like solo traveling and
experiencing all if not most of the things the city has to offer, then this
article will help you.

1.  Cross the Golden Gate Bridge

This is a no brainer and is first on this list for a reason. The Golden
Gate Bridge is one of the modern wonders of the world and holds the record of
the most photographed bridge in the entire planet. You have not really visited
San Francisco if you have not crossed the Golden Gate Bridge at least once.

2.          Chill at the Golden Gate Park

With all that walking around and traveling as a solo traveller, you are
bound to be exhausted. The Golden Gate Park is a great place to just unwind and
take in a beautiful green scenery. It is one of San Francisco’s most picturesque
places so be sure to have that camera charged and enjoy taking pictures of the
various lakes, gardens, and the wildlife that wander around them

3.          Visit Golden Gate Bridge Restaurants

After you visit the Golden Gate Bridge, you can grab a meal or two at
the various restaurants located in the area. Below is just a small list of
them.

  • Farley
    Bar
    – a local favourite bar,
    it features a small plate menu and several creative cocktails. The venue is
    very relaxing with fireplaces and leather-bound chairs.
  • ALX
    by Alexander’s Steakhouse

    Awesome steaks, friendly and accommodating service, a cosy venue with a great
    view of Folsom outside, you cannot ask for a better steakhouse than this.
  • Scoma’s
    of Sausalito
    – great
    atmosphere, amazing seafood menu, and San Francisco as the backdrop it is a
    great dining experience. If you are craving for some tasty seafood, I recommend
    visiting this place.

Tips for International Travelers Looking to Visit San
Francisco

Visiting the U.S as an international traveller can be a very tricky and sometimes stressful experience if you do not have the necessary information ready and available. This section will outline the information you need and some pointers as well to make your trip as smooth as possible, like planning your transportation, when to visit, and finding an apartment in San Francisco, California for your lodging. 

Do you need a car in San Francisco to
visit?

No, you do not need a car to visit San Francisco the complete opposite
is advised. This is because parking in San Francisco is extremely expensive and
having a car would just add to the costs of the trip. It is better to utilize
the public transport services of the city such as the cable cars which the city
is also famous for

Which is the best month to visit San
Francisco?

The best time to visit San Francisco would be from September to November.
Surprisingly, the city’s warmest temperature is in Fall. On top of this, there
will be fewer tourists around compared to Summer. Another good time to visit
the city is during Springtime because of the lack of rainfall compared to other
parts of California.

Learn what ESTA is about

If you’re a citizen of one of the 39 countries that qualify for the Visa
Waiver Program (VWP) and don’t have a visitor’s visa on hand, you might want to
take the esta online application. The Electronic System for Travel
Authorization (ESTA) is pretty much a mandatory test to see if you can visit
the United States. Read information online before your trip to learn more about
the VWP and ESTA.

The ESTA form will ask for your personal information such as date of
birth, age, full name, etc. Answer truthfully as this can be the catalyst on
whether you can visit the U.S or not. Do be aware that to be eligible for this
service, you are required to have an e-Passport available.

As a solo traveller, your safety will always be on top of your mind. San
Francisco is a huge place with many diverse neighbourhoods. Is
san francisco safe
, It is not the safest city, but you can take precautions to be as safe as
possible. Another great reason not to bring a car to San Francisco is the
fairly high cases of car break-ins. Sticking to tourist areas and attractions
instead of walking off to sketchy areas can be a good way to stay safe.
Although, you do not have to strictly stay in these areas. Just always be
mindful of where you are as it is very easy to get lost in huge crowds and
bright lights.  Areas such as the
Fisherman’s Wharf and Chinatown are known to have a very low crime rate.

Conclusion

Overall, San Francisco is a great place to visit, at least once. The
city is chock full of history, culture, and delicious food. There are some
areas where it is not ideal for a tourist to stroll around but overall San
Francisco is not dangerous to visit, even as a solo traveller.

How To Save on Heating Before Winter

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Winter is coming, which means it’s once again that time of
year to rummage around drawers and find a radiator key so you can let trapped
out before your turn the heating on.

It is what most of us will do now as we prepare our radiator for a few intense months of action, but did you know it isn’t the only thing you should be doing to help radiators. You may be surprised to know there are a few active measures you can take to improve radiator efficiency and help save money in the long run.

Thanks to the folks at Trade Radiators, here are some
practical tips you can apply right now to keep your radiators running and
working efficiently without wasting money.

Master your valves

Get to know the numbers on your radiator valves mean and
what the ideal number for different rooms is. Poor use and lack of knowledge
see many people place radiator valves up at 4 or 5 because they think that will
get a room warm. And yes, while it is the max setting, you’re signifying to a
little thermometer inside the cap of the valve that when you are at max, you
want a room to be around 40°C.

The numbers on the valves are for you to assess and control the heat in different rooms, and you should never find that all the valves are cranked to 5 unless you’re happy to have the boiler work as full throttle and waste fuel. Set them to 2 or 3 and adjust accordingly to get a room as preferred.

A good way to test that higher numbers work as you want is
to safely touch a radiator (with your hand appropriately covered) when it is
set to 4 or 5. If the radiator is boiling to the touch, but the room is
freezing, it is a sign the radiator is trying hard to reach that maximum temperature.
If the valve is set to max, but the room is cold, and the radiator is cold to
touch, you have a problem with either the valve of the radiator. Get a
professional to check, or you’ll continue to waste money on heating.

1.5 is the magic number

Now, this tip is for those who have a gas/combi boiler at
home and have just carried out some radiator bleeding in preparation of the
colder months. When you bleed a radiator, especially if there are large pockets
of air, you are decreasing the overall pressure of the system.

Think of it like having an inflated balloon in a bucket of
water and letting the air out. The overall volume will go down. When this
happens in home heating systems with a gas boiler, it can cause the overall
pressure to drop, which can result in the boiler having a hard time heating up
or even getting your shower to work correctly.

If you want to avoid this, or it has already happened, take
a look at the pressure gauge on your boiler. Most will have an area highlighted
which tells you the recommended pressure. If your dial is below it, you’ll need
to wait until the boiler cools down and open the entry valve up to let new cold
water in the tank. Once the gauge is right in the middle of the preferred
pressure (usually 1.5 bar) close the valve. The next time you turn heating on,
it should work correctly.

Know your timings

When you turn your heating on, hot water has to pump through
the pipes and reach every radiator you have turned on. With different sizes and
locations at play, you should get to know how long it takes certain radiators
to get warm, and how long it takes for the whole system to get up to speed.

Some people will notice that the rooms closest to the boiler
(usually the kitchen) heats up quickly and will knock it off after a short
period. This can see rooms upstairs not get to heat up accordingly, effectively
wasting energy for nothing at all. Even if it means lowering valves in specific
areas, as I mentioned before, a little nuance can help you save a lot.

Save money on everything at home

Thanks for reading this article, and make sure you don’t get
caught out when doing any form of home improvement. Whether you’re looking to
decorate on a budget or plan on renovating somewhere like the bathroom and
would like tips on how to save, visit the property section of
the website for other articles with all the tips and advice you need to take
care of your home.

Ovarian cancer treatment

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Ovarian cancer includes large and diverse groups of ovarian malignant tumors.

This disease is characterized by complex diagnostics and high mortality, due to the fact that at the early stages it is asymptomatic and, as a rule, is detected already at III-IV stages, when patients start to have the symptoms that can’t be ignored anymore.

What are the treatment options

The process of ovarian cancer treatment is represented by various methods, among which surgical intervention is the main. But surgeries are possible only when the tumor is resectable. In other cases, alternative therapies are selected.

  • Surgical intervention

The best result is typically achieved by the surgery, but with an inoperable tumor, such treatment is impossible. Most often the tumor that has grown into nearby organs, intestines or bladder is inoperable.

  • Hormonal therapy

This is a treatment aimed at suppressing the production of certain hormones. Numerous studies have demonstrated that some tumors, especially of the female reproductive system, arise under the influence of the uncontrolled production of female hormones. These hormones promote the growth of cancer cells, and hormonal therapy is designed to consolidate the results that have been achieved with surgery or chemotherapy.

  • Targeted therapy

Targeted therapy is a progressive treatment with drugs that contain substances, reacting aggressively to cancer cells. These substances invade the cellular structure of an atypical cell, at the molecular level destroying proteins in the nucleus and important cellular structures. At the same time, healthy cells and tissues do not experience any damage.

  • Chemotherapy

Chemotherapy for ovarian cancer is performed with the most modern chemotherapy drugs. They combine a high-intensity action on the tumor with a low number of side effects. The drugs suppress the process of the division of pathologically altered cells. For this type of treatment to be efficient, it is used in combination with surgery. It can be performed before surgery, with the purpose of reducing the size of the tumor, or after, to reduce the risk of recurrence.

  • Radiation therapy

Radiation therapy is also a complementary therapeutic method. Radiation exposure can be internal or external. Internal irradiation is considered a more sparing option. During the treatment, a capsule with a radioactive substance is immersed inside the tumor. The substance irradiates the tumor from the inside without affecting healthy tissues.

What determines the prognosis of ovarian cancer?

  1. Early diagnosis. The earlier women are diagnosed with ovarian cancer, the better the prognosis.
  2. The types of ovarian cancer. Different types of tumors may behave differently. Some types of tumors are characterized by a more aggressive progression of the disease, including a high probability of recurrence and low treatment effectiveness.
  3. The possibility of complex treatment, which influences the effectiveness of the therapeutic regimen.
  4. Amount of time from the initial treatment to the moment of recurrence. Unfortunately, ovarian cancer tends to recur.

Best hospitals for ovarian cancer treatment

We understand how important it is to receive proper care in such special conditions. That is why Booking Health selects hospitals to work with very carefully. The main criteria are advanced technological base, most experienced clinicians, and high rates of treatment success.

That is why we are proud to represent some of the best hospitals in the world: University Hospital Heidelberg, Charite University Hospital Berlin, University Hospital Frankfurt am Main, and the list goes on.

The best hospitals in the field of ovarian cancer treatment particularly are:

  1. University Hospital Rechts der Isar Munich
  2. University Hospital Tuebingen
  3. Medicana International Istanbul Hospital

We will navigate you through the journey and take care of the communication with the hospital, applying for a visa, flight, and accommodation booking, if necessary.

Leave your request on the Booking Health website, and we will provide you with all the information necessary and arrange treatment at the best hospitals in the world.

Why buy pre-built dropshipping stores from Venturespreneur?

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Why buy pre-built
dropshipping stores from Venturespreneur?

So, you’re venturing out into the world of e-commerce?
You’re probably deciding which top trending products you want to sell, and
maybe toying with the idea of buying a pre-built Shopify store?

Investing in a dropshipping business is one of the easiest
and fastest ways to earn a living from the comfort of your own home. But what
if you don’t have a tech background? Buying a pre-made website saves time, cuts
down your work, and allows you to start profiting from your dropshipping
businesses sooner.

Need a little more data before you take the plunge?
Venturespreneur builds and sells customized, pre-built Shopify stores, so you
don’t have to. Read on to learn more about how you can start earning a living
selling products online within just 24 hours.

Why buy pre-built
Shopify stores?

If you’re an e-commerce beginner or not the most
tech-savvy new business owner, building your own Shopify store can be a bigger
headache than you’d probably want. Dropshipping websites are complex sites
filled with minor details and quirks that make them what they are. If you’re
not exactly sure how dropshipping products work, it’s best to leave it up to
the pros.

Newbie Shopify builders can expect to carve a decent
amount of time solely dedicated to building their site – we’re talking weeks to
months here. What if you don’t have the spare time to commit or understand the
multifaceted aspects to consider when building a Shopify store? Venturespreneur
does all the work for you, literally. Your money-making, time-saving,
professionally built site is ready and waiting.

We choose winning
products:

Venturespreneur pre-built Shopify stores come with
high-grade products. Using specialized software, we’re able to seek the latest
trending products and do extensive research on which products are performing
best. New products are added to the market daily, so we’re sure to always stay
on top of the latest drops.

Our pre-build stores with US, UK, and other worldwide suppliers
provide fast shipping times. We get it; your customers don’t want to wait for
ages for their items to arrive in the mail. Our websites make sure they don’t
have to.

Venturespreneur vs.
other pre-made sellers:

At Venturespreneur, we never build the same store twice.
Much like human beings, how boring would the e-commerce world be if every site
looked the same? We believe in individuality and originality. You’ll never see
a copy of someone’s store. Instead, we create bespoke shops, and once someone
purchases one of our stores, it’s gone for good!

Once a customer buys one of our stores, it’s impossible to
get an identical one. We like to diversity here. Rather than creating multiple
carbon copies of one site, we add a unique flair and special touch to every
store we build.

We also hand over ownership of our pre-built stores within
24 hours of purchase (most of the time, it’s even faster) so our customers can
start their business immediately.

Classic and “Investment” Car Prices Declining on Slow Economy

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Classic cars have enjoyed a strong decade, with prices rising significantly from 2010 onwards as economic growth picked up and asset prices increased across the board.

However, after a dizzying period of increasing prices, the classic car market is cooling due to a combination of falling demand and slow economic growth as many of the world’s top economies enter into recession due to the coronavirus. 

Classic cars were one of the top assets classes from 2015 to 2018, with research indicating that popular classic car brands returned an incredible 28 per cent annual return — significantly higher than many stock indices and other investment assets.

Many cars peaked in value from 2016 to 2017, with highly desirable vehicles double or tripling in price as demand for investment vehicles grew.

Today, however, prices are declining, with many experts stating that a drop in the market is here potentially to stay as economic slowdowns affect a market that was already facing a significantly reduced level of demand.

In an article published by Automobile, several classic car experts shared their thoughts on how the classic car market may change over the next few months. One expert noted that prices for some cars were off by as much as 30 to 40 per cent compared to the 2014 and 2015 period.

Another has noticed that despite falling prices, customer interest in many classic cars is on the rise, with an increased number of people visiting classic car listings and looking at vehicles that are available for sale.

Industry experts and analysts have pointed to several reasons for the fall in prices beyond slow economic activity. Many point out that years of growth in the classic car market left prices overly high and the market over-saturated. 

Data from Hagerty published a 2019 Bloomberg article showed that demand for very expensive collector cars, including those priced at $500 thousand USD and more, has declined from peak levels in 2016 and 2017. Prices also declined for more affordable classic cars. 

However, one section of the classic car market that had continued to grow was affordable cars, including those popular with Millennials and Generation X collectors — audiences that previously hadn’t been significant buyers.

Cars such as the Volkswagen Golf GTI and many 1990s Japanese import vehicles, which have largely eluded the older car collector audience, remain in demand despite a fall in the market as a whole.

Popular sports and collector cars from the 1980s — a decade that previously hadn’t been viewed by collectors as a major period for collectible cars — had also enjoyed a modest but steady rise in value from 2010 to a peak in 2017. Many remain valuable today despite slowly falling prices.

Other cars that have retained their value include iconic cars, such as the Aston Martin DB5 and other vehicles popularised by the media. Many of these vehicles command multi-million pound valuations and are attractive to the most ambitious and discerning collectors.

Of course, classic cars aren’t the only assets to have suffered during the coronavirus pandemic and its economic fallout. Other luxury goods, such as high-end jewelry and fashion, often fall in demand and value as consumers become more frugal and limit their spending.

Despite the fall in prices, many classic car enthusiasts, collectors and investors feel confident about the future, particularly with the economy gradually returning to normal after a period of significant contraction.

For others, the drop in prices is more opportunity than crisis — a chance to purchase an iconic vehicle and upsize their collection, all at a significantly lower price than one, two or three years ago.

Employment Allowance for small businesses explained

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Employment Allowance is claimed as part of a
businesses’ HMRC payroll submissions. Since 2014, all eligible employers within
the UK have been able to reduce Class 1 NIC’s by claiming employment allowance
for their company. If claimed, employers are not required to pay the first
£4,000 of employer’s national insurance – a huge saving opportunity for any
small business!

Can I claim employment allowance for my business?

If you have never claimed Employment Allowance before,
the good news is you can apply retrospectively for the past 4 tax years, dating
back to the 2016/2017 tax year. Employment Allowance for these prior years was
£3,000 per year, although your small business might actually be entitled to as
much as £12,000 refund from HMRC, coupled with this year’s relief.

Most small businesses are eligible for Employment
Allowance, although there are some exemptions which business owners should be
aware of before applying:

Which small business types are exempt from Employment Allowance?

Class 1 liability over £100,000

  • Any small businesses owners with a secondary
    employer’s Class 1 NIC liability of £100,000 or more in the prior tax year are
    not eligible for claiming Employment Allowance. It is advised that liability
    should be calculated by considering connected employers. Should all connected
    parties add up to £100,000 or more, no employers within this category would be
    eligible.

State aid

  • As of 6th April 2020, Employment
    Allowance is operated as “de minimis State aid”. This means that employers who
    already claim de minimis state aid are required to check that they have
    sufficient balance available to make an Employment Allowance claim. If you have
    received de minimis state aid, this is something which you should have been
    notified about. Should you believe that you have received de minimis state aid
    but were not notified, clarify this with your scheme’s administrator.
  • Any small business which receives more than
    their sectors ceiling or if it would breach their ceiling should Employment
    Allowance be granted, then they would not be granted eligibility for Employment
    Allowance. The applicable ceiling for most small businesses is EUR 200,000. It
    is recommended that small businesses owners verify this over on the HMRC
    website.

Single company directors

  • If a small business contains only one employee
    who is paid over the Secondary Threshold for Class 1 National Insurance
    contributions and if they happen to also be the company director, this business
    will not be eligible for Employment Allowance.
  • Additionally, small businesses with just one
    employee will also not be eligible for Employment Allowance.

How to claim Employment Allowance for my small business?

The best way to apply employment allowance for your business
is to entrust this task to a professional accountancy firm. Based in Central
London, Venn Accounts are chartered accountants who specialise in providing
personalised accountancy services for small businesses and startups
respectively.

With an emphasis on going the extra mile for clients, Venn
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5 Things to Consider When Buying Commercial Fridges for Your Business

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Most food businesses, from smaller enterprises such as café’s and bakeries to big chain restaurants and supermarkets, all require commercial fridges. Commercial refrigeration units are essential for storing everything from ingredients to prepared food. Unlike fridges at home, commercial units such as walk in fridges and meat chillers feature a heavier compressor to withstand rough usage. As such, they have better cooling capacities for effective preservation and storing. Ensure optimal performance and longevity for your refrigeration system with high-quality and reliable refrigeration parts.

Put simply, investing in good commercial fridge units from a refrigeration equipment supplier such as Enviro Chill, is necessary for the success of your business. However, there are important factors which businesses need to consider when purchasing a commercial refrigeration unit:

1. How energy efficient is my commercial fridge?

• Because commercial refrigeration units feature high running costs, it’s important to pay close attention to how energy efficient your commercial fridge is. Look out for those with the best energy star rating to get the best deal for your business.

2. What style best suits my business?

• Buyers will come across a wide variety of styles when shopping around for a new commercial fridge. As such, it is important that you look for a unit which best meets your precise storage requirements. For example, a supermarket would need a larger commercial refrigeration unit that features a glass display to both store products and put them out on display.

• Different commercial fridges also feature varying levels of cooling insulation. Solid door commercial fridges offer better insulation levels due to limited heat transfers from outside to the inside. This makes them ideal for perishable goods as temperatures remain balanced. While glass door commercial fridges are great for displaying food items, they are not ideal for either cooling or insulation as there is a thin barrier between inner and outer parts that lead to easier heat transfers.

3. What brand is my commercial fridge unit?

• It is imperative that your business invests wisely when purchasing commercial fridges and chooses a reliable brand. The quality of services which you provide to customers often relies on how reliable the tools and es which you use are. Always look for a reliable manufacturer of commercial fridges to reduce risks of equipment failure.

4. How much space does my business have for a refrigeration unit?

• Businesses should take some time to carry out careful space planning before choosing your commercial fridge unit. First, measure the available area at your premises. Do you have the capacity for swinging doors? If not, perhaps consider sliding doors for your commercial fridge instead.

• Additionally, consider measuring the entrance which leads to wherever you plan on keeping your walk-in freezer whilst performing your space planning.

5. How much does my commercial fridge cost?

• Finally, make sure your business establishes a clear budget when selecting a commercial refrigeration unit. Should you have a limited budget, weigh up the pros and cons of a lesser-known brand. Although they may cost less than a household brand, the maintenance expenses which they may incur in the future might outweigh any initial costs.

• While refrigeration units from reputable brands might be more expensive, investing in the services of reliable commercial refrigeration equipment supplier would help prevent unnecessary expenses for your business.

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