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Smartphone technology ā€“ how can it be used to save landlords time, money, and stress?

Managing property is challenging; a lot more challenging than meets the eye. Landlords and property managers spendĀ  a lot of time handing paperwork, collecting rent, finding tenants (and evicting bad ones), and making sure each and every one of those tenants are comfortable. Time is of the essence in the real estate business, and sadly compromise is often not accepted. The good news is there are ways to make property management easier.

Advanced technology is now used and widely accepted in a wealth of domains. So why shouldnā€™t it be used to help landlords stay more organized, save time & money, and cut back of stress, too? Smartphone technology is an innovative approach to managing property and streamlining the process. Which apps should you be using to stay more organized?

Buildium

Buildium packs exceptional functionalities that landlords can use to keep things organized when managing properties. Among some of its core features, we should mention online work orders, online rent collection, special tools for sharing and storing documents, and some very useful accounting features that are very easy to use. Furthermore, Buildium has great vacancy marketing and tenant screening capabilities. Itā€™s literally impossible to get confused with this app as thereā€™s plenty of help you can get by using the customer support features provides. There are explicit tutorials landlords can watch to learn how to use Buildium.

AppFolio

AppFolio is one of the most complex and detailed apps for property management on the market. It can be used for collecting rent and paying vendors. Also, tenants can perform maintenance requests and then landlords can ask maintenance workers to do the work while tracking their progress. With AppFolio generating reports has never been easier. However what makes the app unique is its mobility feature. Since people today barely use computers, AppFolio is perfectly optimized for smart devices, including smartphones. It can be used anytime and from anywhere because the platform is 100% mobile responsive.

TenantCloud

Even though TenantCloud is not as complex and detailed as Buildium and AppFolio, itā€™s worth mentioning because itā€™s free for up 75 units. Everything you want to use after downloading the app doesnā€™t cost anything. With TenantCloud you can collect rent and assess applicant screening portals, as well as benefit from basic reporting and accounting features. If you donā€™t plan on handling that many properties and you have a limited budget, this is the perfect piece of software for managing your properties.

Rent Manager

Unlike the apps we mentioned above, Rent Manager is one of the most customizable. Everything within the app can be tailored-made to match with your demands and preferences. However, it is not a property management app for beginners. It has a more tech allure, and itā€™s remote desktop-based and not browser-based. As for the design, youā€™ll be pleasantly surprised to see that Rent Manager is extremely intuitive. At first, it might seem a little overwhelming but itā€™s worth giving a try. Users will have to pay $75/month to use the app.

Keeping an eye on the trends

In the property management business, owning and managing properties is useless if you donā€™t have tenants to keep those properties occupied so that you can make a profit. Marketing properties online is fundamental, and advanced technology can help streamline the process. Generating listings can now be done with just a click of a button. However, only the best property management softwares help keep things afloat. We live in a world of gadgets and smart devices, so itā€™s no wonder that the real estate business is changing.

Leaving aside the ability of an app to help keep things organized, itā€™s very important for landlords to generate reports, store important documents, and keep their books. This can be done with advanced technology, as well. The best type of software should be intuitive. Thatā€™s because not everyone understand complex, techy-programs and apps. Before making your pick, assess them carefully. Most apps feature free trials that you can use free of charge to see if they match with your demands. Bottom line, it doesnā€™t matter whether youā€™re aiming at villas for sale or you just want to buy property to rent. The goal is to make the most of technology by using to your advantage.

 

Pre-holiday airport tips to save you money

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To have the best low-budget holiday possible, itā€™s important to always consider and avoid unnecessary purchases at the airport.

Thatā€™s according to the penny-pinching gurus at PromotionalCodes.org.uk, who have shared their best pre-holiday airport hacks to save you money before you jet off on holiday.

The handy tips include asking for water on the plane, flying red eye and checking out hotel amenities.

Also featured are renting a driveway to park on, bringing your snacks and investing in a portable charger.

Theyā€™ve also emphasised how you can prepare to dodge any additional costs once youā€™re abroad, like downloading maps to avoid data charges and using public transport from the airport as opposed to a taxi.

Other hacks include taking a childā€™s car seat to avoid hire costs, flying on the red eye and always asking if thereā€™s a chance of a free upgrade.

Darren Williams from PromotionalCodes.org.uk said: ā€œMost people always think about the costs of booking your holiday and expenses whilst youā€™re out there.

ā€œBut airports are sometimes the worst places for making you shell out when you donā€™t need to.

ā€œThere are also certain things that arenā€™t made aware to flyers that you are well within your rights to ask for, like water or taking a car seat.

ā€œOur tips should help you cut down those annoying costs you normally shell out for, saving you more money for your trip.ā€

Here are the sitesā€™ top tips for saving money at the airport.

Ā 

  1. Ask for water on the plane

Donā€™t fork out for bottled water on the plane. If you take an empty bottle through customs you can ask your air steward to fill it up for you on your flight.

  1. Park on a driveway

If youā€™re driving to the airport, ditch the pricey car park and check out localsā€™ driveways. Many rent them out for holidaymakers to leave their car there for a few days at a much more competitive price.

At YourParkingSpace.co.uk you can find thousands of localsā€™ driveways near the airport with pricing, that you can pre book for peace of mind.

Ā 

  1. Do your research to avoid baggage charges

Youā€™d be surprised by how much hotels will provide for you, so make sure you do your research before cramming in your hair dryer and extra towels.

  1. Weigh your bags at home

Itā€™s not worth risking it so plonk your suitcase on some scales to weigh it before you go to avoid any fees.

  1. Buy snacks before you get to the airport

Dry snacks like crisps and biscuits can be taken on the plane so stock up before youā€™re roped into expensive airport offerings.

  1. Donā€™t be afraid to ask for free things

If youā€™re holidaying to celebrate a special event like a wedding or birthday, tell the airline staff. They may be willing the upgrade you for free. If youā€™re travelling alone itā€™s easier to upgrade you too so itā€™s always worth asking. The worst that will happen is a polite no.

  1. Using a carrier for your pet

Even the best-behaved pets can get upset while traveling to a new place or being exposed to new people, sounds or smells. AnĀ airline-approved carrierĀ will give you peace of mind when traveling with your pet. It does not only protect your pet from distraction during travel, it also provides them with a cozy little den in which they can retreat from the outside world.

  1. Skip the taxi

When you arrive at your destination within sociable hours, donā€™t just hop in a taxi but check out public transport options as well. If thereā€™s a metro or bus service, that will be cheaper than a cab.

  1. Download Google maps offline

If youā€™re on a phone contract with limited data or that charges more for use abroad, download all the maps you think you will need before you set off. Screen shot them then you can use them as you please when youā€™re away.

  1. Check currency rates in advance

Try not to leave it to the last minute to get your cash for your holiday. Getting currency converted at a better rate will save you a fortune so do your research sooner rather than later.

  1. Book somewhere with breakfast included

Paying that little extra for breakfast may be worth it. If itā€™s buffet style you can stock up for lunch to save you spending more money on that.

  1. Fly red eye

If you donā€™t mind travelling late at night, book a red eye flight. Not only will it be cheaper but also the airport will be quieter at that time meaning shorter queues and less stress.

  1. Pack a childā€™s car seat for free

If youā€™re going to be using a car with your little one whilst youā€™re on holiday, youā€™ll need a car seat. Most places charge on average up to Ā£5/per day to hire but you can avoid this by just taking your own. Most airlines will allow this in addition to your luggage and you can even use it on the plane.

  1. Speak to your bank and credit card providers

Some branches donā€™t charge for transactions abroad but some do or will shut down your card if they think thereā€™s suspicious activity. Give them a call before you go to let them know and they should be able to advise you on the best way to pay while youā€™re away.

ENDS

4 Tips for Buying Property in the Caribbean

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Investing in property on the sun-soaked islands of the Caribbean has long been considered the reserve of the rich and famous. Not anymoreā€”thereā€™s never been a better time to buy a second home in the Caribbean.

Investing in emerging international property markets is always a balancing act between increased risk and potential reward. However, there is a plentitude of Caribbean investment opportunities and there is no reason why an investment canā€™t be safe and profitable.

The Caribbean summons strong imagery for many people looking for a place in the sun; the Independent calls the region a true getaway destination with a hint of home from home. Whether youā€™re looking to move to the Caribbean permanently or for your next investment opportunity, these tips should make the process easier and clearer.

 

1: Decide why youā€™re buying the property

First things first. Before you buy the property, you must decide why youā€™re buying the property. If you want to start a new life on an island, youā€™ll be looking for a property to make your home. Are you moving for work? You might look for an office or commercial location to do business. Or are you just looking to add to your property portfolio? All of these factors will determine the type of property you choose to invest in.

 

2: Broaden your horizons in your researchĀ 

The National Association of Realtors state ā€œthe economic, political, and social environments of the different Caribbean island nations vary greatly in their impact on real estate.ā€ To find the perfect property for you, you must first find the right island. You may look for a strong quality of life, or average property prices, an economy that is doing well, or the most affordable way of life ā€“ all of which differ across the islands in the region.

The Caribbean is a region of around 40 million people and each country is unique ā€“ economically, politically and culturally. For example, English is the most widely spoken language in Dominica, Barbados, Grenada, Jamaica, St Kitts and Nevis, and Trinidad and Tobago to name just a few. In Haiti and Guadeloupe, French is most widely spoken and in Cuba, the Dominican Republic, and Puerto Rico, Spanish is the official language. These are important considerations to bear in mind when choosing a place you plan to live or conduct business deals in.

Ā 

3: Look for government-approved real estate opportunitiesĀ 

There a number of Caribbean investment opportunities available through citizenship by investment (CBI) programmes. CBI is a way for high net worth individuals to gain citizenship in a country by making a financial contribution to the local economy. Often, this involves government-backed real estate projects.

Dominica is one such country that invites investments that ā€œwill generate sustained economic growth and prosperity, and create jobs and business opportunities for their people.ā€ A minimum sum of US$200,000 is required for a qualifying investment in real estate, which includes, for example, shares of the Tranquility Beach Resort, a project run by Curio ā€“ A Collection by Hilton, one of the worldā€™s most successful luxury hotel operators.

 

4: Remember You Are Buying in Paradise

1st Day of Summer, a blog about Caribbean island life, suggests that ā€œwhen you buy a home in the Caribbean, buy it because you want to spend an amazing time there with family and friends. The return on investment is all those incredible, precious momentsā€ ā€“ and we agree. Remember that when you buy in the Caribbean, you buy in one of the most spectacular locations in the world. It will leave you with unparalleled memories, no matter what your primary purchasing goal is.

Hair styling Professionals are in hot demand! They are the number #1 requested professionals in Leeds, according to StarOfService

Study shows that Hair styling professionals and Personal Trainers are the most sought after professionals in Leeds.

The analysis of their 2017 first quarterly statistics unveiled recently by StarOfService, a study that also took into account data collected from past quarters, shows that Leeds is registering a staggering growth in the marketā€™s demand for a particular group of service professionals within Hair Styling and Personal Training industries.

The study also reveals that Hair Stylists, Make-up Artists and Personal Trainers professionals have had an impressive average 10% growth in market requests, week over week, since April.

If you think about it, it is not an unfamiliar scenario to take a walk down the park and finding someone exercising or running there, isnā€™t it? One of the hottest trends in fitness these days is training with your personal trainer outdoors. And when the weather is good, chances are that even more people will be focusing on getting their healthy dose of fresh air and exercise.

In fact, research has shown that moderate exposure to sunlight increases your mood and boosts your Vitamin D intake. The data gathered from StarOfServiceā€™s community users, for 2017, and previous years, goes to corroborate this reality, being Personal Trainers the number #3 most requested professionals in Leeds these days.

The number one requested Professionals in the city, Hair Stylists, are also in for a busy season, being the next months traditionally the most sought after for wedding ceremonies.

Ā«This yearā€™s trend goes along with what we observed in previous years. There are certain service categories that benefit greatly from seasonality, and that have an exponential and consistent growth during specific months of the year. What we see happening in Leeds can also be observed in other main cities in the UK, like London, Glasgow or Sheffield.

This is the season of hot summer weather, the season of outdoor parties, vacations, and weddings. Everyone is paying more attention to looking great, being fit and enjoying themselves. So it makes total sense that Hair Stylists and Personal Trainers professionals have their hands full with clients these daysĀ», says Monica Zamfir, StarOfServiceā€™s International Director.

This is the top 10 servicesā€™ ranking for the highest requested Professionals in Leeds – and its surrounding area – according to StarOfService:

  1. Hair styling.
  2. Artistic makeup
  3. Personal Training.
  4. Dermatology
  5. Dog training.
  6. Dog walking.
  7. Pet grooming.
  8. Plumbing.
  9. Window cleaning.
  10. Driving lessons.

Even though seasonality has a determining role in this scenario, StarOfServiceā€™s study and quarterly statistics results are undoubtedly useful for all professionals offering services through the platform. StarOfService receives over 200,000 requests from clients per month, which are forwarded to the 20,000 professionals registered on the StarOfService community.

For local business owners, the data collected and released by StarOfService is a valuable insight to their local market and economic trends and consumer behaviour and can be further used for marketing and business development. For professionals, it can be a useful hand based on market data, to better understand their positioning, growth in demand for their sector of activity and better planning on future professional growth.

StarOfService (www.starofservice.co.uk), launched in Paris in 2013, is presently the European leading platform for the online services market, being present in 80 countries worldwide. From hairdressers to fitness instructors to wedding photographers and DJs, StarOfService has around 900 different services available. The platform allows clients to save time and money by quickly finding the nearest best professionals they are searching for, while the registered professionals at the community become easily reachable with an online business profile presenting their services and expertise.

British Bookmakers Buck the Trend of High Street Businesses Being Destroyed by The Web

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With the possible exception of the adult entertainment industry, it’s fair to argue to that no other British business sector has adapted to the digital revolution quite as successfully as the gambling industry.

From to traditional print media advertisements and television commercials, the industry as a whole has never exactly been shy when it comes to following their audiences and advertising to them via the latest, most post popular media.

Yet even with a proven track record of adapting to new media, few could have quite so accurately predicted just how effortlessly -and successfully- major bookmakers have taken to the web, and just how much mainstream appeal the industry has attracted as a result of taking their business online.

A quick glance at any online betting sites list reveals scores of companies which just a few years ago were mostly unheard of, but which today are practically household names.

Even those lists only offer a small introduction to the vast landscape of the UK’s online gambling sector, a sector which the UK Gambling Commission says accounts for 33% of all betting in Britain.

 

Making Gambling Acceptable and Accessible

On the face of it, the rise in popularity -not to mention the widespread mainstream appeal- of online betting, should not come as much of a surprise to even the most casual of observers.

By taking their business online, bookmakers, casinos and new gambling startups alike removed not only the stigma surrounding gambling, but also the pressures and uncertainties facing first-time punters on their inaugural visit to their local high street bookmakers.

In other words, the move to the web made gambling both socially acceptable and widely acceptable, the industry profiting immensely as a result.

Yet the unprecedented growth in online betting was not without its victims, victims from the very same industry no less.

 

Experts Predict The Demise of High Street Bookmakers

As early as 2011, the media were reporting that traditional bookmakers could be the next high street staple to fall by the wayside in the face of increasing competition from the online market.

Even back then, the trend seemed both simple and wholly inevitable:

Punters would move away from their local bookies and do most of their gambling online instead.

 

The result was equally as inevitable:

Faced with heavily diminished footfall numbers, the bricks-and-mortar bookies would be forced to close.

In the six years that followed, predictions that the industry would soon suffer from a lack of high street presence started to come true.

Reports of bookmakers going into administration and betting shops closing in their hundreds were not uncommon in the news media,

Yet whilst this all seems that the industry is facing its demise, the truth is actually much different.

 

The High Street Fights Back

In May 2017, The Guardian reported that William Hill had actually seen an increase in over-the-counter take. Whilst the increase itself may have only been 2%, that is not an insignificant number when you consider that most experts have been writing off high street bookmakers for most of this decade.

Indeed, though the presence of major bookmakers in UK towns today may not be as strong as it once was, it is still there, continuing to exist alongside its online counterpart and proving the exception to the rule the web based businesses typically put an end to those on the high street.

Whilst it may be too early to tell whether traditional betting shops will once again flourish as they once did, William Hillā€™s recent growth means thereā€™s one thing you can definitely bet on: That the high street bookmakers isnā€™t going down without a fight.

Steps For Improving Your Business Process

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You more than likely use several business processes each day. For example, you may use the same steps every time you resolve a customer issue or complaint, generate reports, manufacture or create a new product, or establish potential clients.

Youā€™ve more than likely encountered problems due to inefficient processes, as well. Over-stressed co-workers, displeased customers, and fluctuating cost, are just a few problems encountered from relying on dysfunctional processes

That is why it is important to monitor and make improvements to processes that are not continuously working well with your company. A business process is task or activities set to accomplish specific goals by an organization.

Business processes can be informal or formal depending upon the nature of the organization. Formal methods (also referred to as procedures) have solidly established steps and are well-documented. What are the steps for improving your business process and how hard is it to implement them?

Informal and formal processes

Most companies have well-documented established procedures in departments such as submitting invoices, paper less employee hour management, receiving the product, and creating and developing a relationship with new clients, that are related to formal processes.

Paystubsnow is a great invoice generating tool that assists you with generating business invoices at a modest rate. Plus there are no hidden charges as well. The free invoice generator is a good-to-go solution for your needs

Formal processes are genuinely important when safety-related, financial, or legal reasons,are the meaning for following precise steps. Informal processes are simple steps you have created on your own to implement measuresthat you have no need to document.

An example of this is designing your course of action for market research, implementing new leads, and meeting activities. Just because one process starts off informal doesnā€™t mean it must remain at the level. After proper research, you may feel you need to turn a process into a formal action to improve productivity.

The need for Efficient Processes

The different types of operations have one main thing in common; their purpose is to streamline the path in which you and your team operate. When each person follows the fixed set of steps, there are fewer delays and errors, duplicated effort and a rise in customer and staff satisfaction.

Unsuccessful processes lead to many problems, such as:

  • Increased amount of dissatisfied customers
  • Complaints of bad service and poor quality in products
  • Frustrated co-workers
  • Unfinished work
  • Duplicated work
  • Increased cost
  • Wasted resources
  • Missed deadlines

With these type problems, it is important that you stop and analyze ways to make corrections by reviewing and updating the important process.Ā  The following are suggestions on how you can take steps towards improving your business process to achieve improved results.

Map the process

Once you have determined which process needs improving, make documentation of each phase using a diagram or flowchart. Each of these tools displays the proper steps to take by way of a visual platform and are ideal for processes that involve groups or several people.

Itā€™s vital to explore and implement each phase in high detail, as many processes contain sub-steps that you may not be aware of their existence. Also, consult with others who are familiar with the process who can guide you to ensure you donā€™t omit anything that is important.

Creating useful and accurate process maps requires a lot of resources and time. However, these type maps are relevant to any management efforts for evaluating and improving steps within the organization.

Analyze processes

Take advantage of powerful software on the market to aid you in investigating problems with the process. Break down the problems by answering these questions:

  • Which steps creates bottlenecking?
  • What areas do customers and team members get frustrated?
  • Which step causes delays and demands the most time
  • At what point does quality go down as cost rise?

Ask why

While the initial process map is under construction, question why certain steps performedare done this way. Chances are you will get the same response from everyone, ā€œThis is how weā€™ve always done it.ā€ Asking the question ā€œwhyā€ typically reveals a good starting place for improvements.

Be prepared for revisions

The first process map completion is merely a rough draft. Donā€™t expect to get everything right on the first try. In fact, the more you analyze the process map while lining up management and workers, the more wrinkles will appear that need ironing out.

Expect Resistance

Beware of and expect resistance. Feeling defensive and often protective is human nature, especially if an employee feels their job is in jeopardy. Employees view change and the mapping process with improvements in the making as a means for leaders to reduce employment and payroll. It is vital that you explain the benefits and purpose of the project before beginning to ensure company morale.

It is best to make the general approach offering the message that improvements are necessary to remain competitive which contributes to providing jobs. Resistance is likely to take place at the beginning of the mapping process; you should examine carefully what is occurring at each step to confirm what reports say is happening versus what is being done to establish an accurate map.

Create simple maps

Process maps are often very complicated and involved but creating maps with much detail may be necessary to some organizations. Begin with a high-level representation and gradually break each step down until a meaningful analysis can occur. It is never a good idea to make a single map so complicated that it ‘s hard to communicate and understand.

To determine where the breakdown for relaying information can be difficult. With upper management, it may be appropriate for high-level maps because those employees are typically concerned with where the handoff occurs between departments.

Increased detail may be substantial when training employees or educating middle management who need to be aware of resources necessary and where the changes may occur.

Welcome Input

Invite input from every level of the organization. It is important that you solicit input fromalllevels of employees to get a birds-eye view of the process. Conduct open and closed meetings and interviews with those in the actual line of duty and as well as those who hold management positions. Remember, it takes an entire team to create productivity, not just one division of the company.

Be present and vigilant in walking the process to observe the strategies and techniques in question to get a clear picture of what changes will enhance production and overall success. Seeing the process yourself will give you first-hand experience instead of taking the word of others who may not be as keen on the changes needed.

There are times when information passed on through line workers, front-line employees and staff, and the data collected, can be misleading or wrong. What you see and what you hear may not match, and if this is the case, you need to investigate the discrepancies. With direct follow-up and observation, you very well could discoverĀ  why the original process failed as it did.

How to get a job at one of the UK’s 10 top-paying firms

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GlassDoor has released its latest list of the highest paying companies in the UK. So what does it take to get a well-compensated job at one of these financially generous firms?

The top ten list features some obvious big names from the worlds of tech (Facebook, Microsoft) and finance (Deutsche Bank, Credit Suisse). It also includes respected businesses that arenā€™t household names, such as Salesforce and SAP.

With median total compensation ranging from Ā£80,000 to Ā£110,000, jobs at these companies are no doubt in high demand. Everyone in search of a substantial wage for their work ought to do what they can to develop their skillsets in the areas that these firms find valuable. We take a look at how to do just that.

Become a tech expert

Four of the ten highest-paying companies in the UK work in the tech sector, including Salesforce, the holder of the number one spot. Developing a broad knowledge of technology as a whole will help you keep your options open, but for at least two of these companies, specific niche knowledge will be much more useful.

SAPā€™s ERP software is notoriously complex. Practitioners often work as contracted consultants advising businesses on how to use it properly. A job at SAP will require you to be as up to date with the companyā€™s software specifics as any of these contractors, if not more so. SAP recruitment agency Eursap have a post on SAP job tips which advises applicants to stay on top of all SAPā€™s products including SuccessFactors, Sybase and Syclo if they want to make it in the industry.

Similarly, Salesforceā€™s work is focused entirely on cloud technology, so it will be important to be well-versed in everything to do with the cloud. Recruitment firm Monster say they have found that employers searching for cloud computing employees often want people fluent in Chef, Perl, Python, Java and Ruby on Rails programming languages.

Area-specific tech skills like these will be useful when trying to find work with the other big tech firms on the top paying list: Facebook and Microsoft. Though these tech giants work in many areas of software development, your best bet in trying to get hired by them is to master one area of the business and apply for jobs relating to it directly. This way you will be less of a jack of all trades, and stand out against other candidates with less specialised knowledge.

Know your finance

Four of the top ten paying companies in the UK are technology firms, but five of them are finance businesses. With Deutsche Bank, Credit Suisse, MacQuarie Group, Bank of Canada and Nomura International all paying top dollar for their workers, itā€™s clear that one way to have a high-paying career is to follow the money.

There are several ways to get started on the finance career ladder. Most of the tips in Investopediaā€™s guide to getting a job on Wall Street are applicable to trying to find work in Londonā€™s Square Mile. Internships at key financial institutions are very valuable, as is a broad base of finance knowledge.

Unlike some fields, a degree is not necessary to secure a job in the financial sector, though there are several finance degree courses around the country which will certainly do you no harm.

At the start of your career in finance, Investopedia recommends getting experience in several areas of the industry. Try to find positions in equities, fixed income and portfolio management and see which one is the best for you whilst gaining real-life experience. Then go after the jobs at one of these top ten companies.

Learn a foreign language

Though finance and technology do not have much in common in terms of required skills, there is one way to increase your employability to all the companies on this list ā€” including the as-yet-unmentioned McKinsey & Company consultancy firm. The way to do this is to learn foreign languages.

All of the companies on the list are multinationals, working in other nations and with people from those nations. Facebook is now a top five website in all but 13 countries. There is no doubt that people able to speak the languages of the companyā€™s millions of non-English-speaking users will be an asset to the company. Similarly Microsoftā€™s products are available worldwide, and the firm has offices all over the world.

McKinseyā€™s Economic Development division works with governments all over the world on growth strategies, meaning a little language knowledge could get you a long way at the company.

Finally, the finance institutions on the list, most notably Deutsche Bank and Credit Suisse, actually originate from countries where English isnā€™t the native language. Knowing German or French in the case of these two companies will be very useful in cross communicating with other branches and clients.

 


Pic Credit –Ā Images Money, Flickr, CC

Play Smart: The Doā€™s & Donā€™ts of Online Gambling

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In any form of gambling, there is a degree of chance, even for those that have mastered the art of reading a stern poker face and deciphering their player’s next move. Lucky hands and winning streaks are a thrilling way to spend free time, as long as you play careful and know when to fold. Playing responsibly will ensure you never end up in a sticky situation so the odds are always in your favour ā€“ even if you donā€™t win. Take the risk while staying safe with the doā€™s and donā€™ts of online gambling.

Do:

1.Ā Ā  Know what you are signing up for

Make sure you know what you are signing up for before you start playing games online. Some online casino games, like bingo, offer welcome sign-up bonuses which can be great to learn how to play certain games you havenā€™t played before.

Ensure the website has a suitable deposit scheme and youā€™re able to withdraw at any time. If you are unsure, contact the website directly to find out.

2.Ā Ā  Check the licensing of a site before parting with your hard-earned-cash

Before you jump right in with both feet, ensure the gambling website is licensed and reputable. The last thing you want to do is give over your personal information and money to a site that is not trustworthy. Read up on their terms and conditions and only play on sites that you really trust. You can even look for reviews to see what other people using their site thinks before you make your final decision.

3.Ā Ā  Set yourself a budget

…and stick to it. Plan how much money you are willing to risk losing before you begin gambling online.

Gambling is renowned for taking more than just peopleā€™s money because some donā€™t play responsibly. Every time you play, make sure you know how much you can afford to lose incase the odds do not go in your favour.

Donā€™t:

4.Ā Ā  Gamble while under the influence

Reckless, alcohol induced, decisions could take this much-loved pastime to a dark place. Poor judgement could make the difference between winning and losing, and you might not be aware of how much money you are spending. And this goes for stress too. You will not be able to play your best game if you are feeling stressed or anxious which could lead to bad decision-making and could cost you big buck.

5.Ā Ā  Try your luck with ā€˜betting systemsā€™ & quick wins

You may have seen advertisements online, offering to teach you the secret ways to beat the game. These are usually con artists that ask for money in exchange of a useless guide to winning your game of choice.

Instead, focus on furthering your knowledge in your favorite game by reading informative guides and tips to help you better your game. Take a look at our previous post How to win at roulette for example.

6.Ā Ā  Stifle your chances of winning

Donā€™t let the casino have the upper hand. Take a look at your casinoā€™s payout percentage to ensure you are in for a chance to win. If you notice that their payout percentage is low, chances are, they donā€™t offer games that give users the chance to win very often. If possible, find the payout percentage for the specific game you want to play to stack the odds even further in your favour.

 

These days, there’s no need to jet off to Vegas to enjoy the thrill of gambling. While it is possible to gamble online, you need to ensure you are taking the necessary steps to remain safe online. Follow these simple steps to give yourself even more of a chance to win. The secret to successful online gambling is doing your research and knowing when luck isnā€™t on your side. How will you play your next game?

UK casino stocks show signs of growth

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Figures for the value of gambling in the UK, released by gambling regulator the Gambling Commission have shown a continued rise, with the sector currently worth Ā£13.8 billion in the year to September 2016. You can see some of the bestcasinosites here.

For many it may appear an appealing ā€“ and profitable ā€“ industry, but are casino stocks a gamble worth taking? Investment in gambling stocks have cooled in recent years.

Some point to a changing demographic and different interests of the Millennial generation as a reason. Others take a more socially responsible approach, noting that ethically-minded investors have tended to avoid casino investment and reject so-called ā€˜sin stocksā€™.

However, according to Matt High, content editor at Casinopedia.org, the casino industryā€™s leading news publisher ā€œThe appetite for investment in gambling related companies seems stronger than ever. Thatā€™s particularly the case in the UK, were the market continues to grow unabated ā€“ both in terms of rising land-based casino revenue and the growth of online developers.

ā€œOverseas too, the market is booming. Macauā€™s growth, which has surpassed the expectations of many, and the resurgence of Las Vegas thanks to a number of proposed building projects, has prompted a continued interest in global casino stock investment.ā€

UK casino market recovery

One of the major challenges faced by casinos is attracting young people to their tables. While millennials and Gen Y tend to respond well to sports betting, especially football betting, they are not attending casino venues in huge numbers.

The typical market for casino games is still those aged 40 and above. Yet changes in game styles – such as the introduction of video game gambling – and a wider focus on online casinos has started to bring more young players back.

Expansion into international markets has also helped the fortunes of a number of UK casino brands, and the global demand for gambling services has grown too. Drop data for the UK last year suggests that Ā£1 billion was won by operators – an increase to 13.5% in total.

This suggests that investors might see strong returns on their stake. We took a look at some leading British casino brands and how their stocks are currently performing, helping UK investors make a more informed decision.

Rank Group: RNK (LSE)

UK-based Rank is one of the most recognisable names in UK gambling sector today. Responsible for the likes of Mecca Bingo and also of Grosvenor Casinos, along with its own online brand Rank Interactive, the company has diversified its gambling income through involvement in a number of markets. Stock prices for June are close to the 30-day high at 221.30, and the company has seen a steady rise since May. The RNK market value is currently capped at Ā£864.58 million and the company earned Ā£71.1 million during the 2016/17 financial year. There are no major changes predicted for Rank, and the business is exposed to a wide range of gambling activity and a number of growing market sectors.

Inter Game Tech: IGT (NYSE)

The market for online casino game developers has seen significant growth in recent years with a positive outlook for many leading software companies. International Gaming Technology (IGT) has had a particularly good year. The business, which is known for its innovative approach to the market, made headlines at the end of May thanks to a series of unusually high progressive jackpots that were won at Vegas Casino. While big payouts do, on occasion, make investors nervous, IGT has not been harmed. Stock prices have climbed to a three-month high and currently sit at 18.67 (a 1.25% daily increase). IGT presently boasts a market cap rate of $3.73 and appears to be in recovery after a market slump over 2015 and 2016. New game titles and moves into new and innovative markets are sure to bring further improvements.

William Hill: WMH (LSE)

British bookmaker William Hill has not seen the gains that some gambling companies are reporting, but maintains a steady rise and is still performing within expected averages for the year. It remains a consistent market leader in the field of sports betting, and a unit price of 283.20 on average represents a 0.56% increase in 200-day profits. A Ā£2.43 billion market cap places William Hill in the top end of the gambling market, and further expansion into Europe and Australia ensure it has a major influence on betting consumers.

However, regulatory pressure is on the horizon, with the government pledging to consider the future of fixed odds betting terminals, and a potential cutting of the maximum bet from Ā£100 to Ā£2.

Paddy Power Betfair: PPB (LSE)

Irish-British bookmaker Paddy Power is seeing a different stock landscape to many of its rivals due to a somewhat turbulent year. However, it is to be noted that overall profits remain up and there is still much confidence in the business.

The company has a current trading high of 8,485,000 and an annual dividend yield of 1.85%.

May saw a drop in fortunes for the betting firm, but there has been a steady recovery since. Prices sit at 1.20% against daily trading highs and shares in the firm has seen a boost in response to growing revenues and exposure to both online and high street betting operations.

Net-Ent: NET-B (STO)

While not a UK developer, Swedish-based NetEnt is certainly worth considering right now. The game-maker has recently launched a huge range of new slot games, available at many online casinos, which offer fresh modern gameplay and which are achieving plenty of attention as a result.

As a result, finances for the developer look strong this year. Unit prices reached a 72.05 high point this week, representing a significant improvement over five years. With potential profits about to increase through new games licenses, Net-Ent is a good bet for UK investors.

Why budgeting is crucial for a small business

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If youā€™re in charge of an SME, you will know how much difference just a small amount of cash can make within a budget. When you have staff and suppliers to think of when payday comes around, it’s vitally important to keep on top of your business accounting practices.Ā  Even if you outsource your accounts to someone else,employ someone to manage them or keep control yourself, itā€™s incredibly important to ensure you have good money habits and always know the health of your business finances.

Planning ahead

If your business relies on suppliers to help take on client jobs, you can use your budget to assess how many of these jobs you can take on. Bare in mind that itā€™s inevitable that some of your clients may not pay you on time for the work you do for them. Having an idea of your monthly finances can also enable you to keep track of the rise of your business year on year and make predictions for upcoming years.

Budgeting isnā€™t only about the now and before, it’s key for the future too. No matter how big or small, most business owners have plans for expansion, and your finances will no doubt play a part in those plans. Any budget will be not be foolproof, but knowing your money flow will give you the best idea of how you can afford to grow. Knowing your business’s financial state will also allow you to know how high to set goals for your company to comfortably achieve. It will also help you to set salary expectations for your staff.

Creating cutbacks

Making up a budget will also give you a chance to match your outgoings with your incomings. While you canā€™t always know what your incomings will be, you can always keep on top of what is going out of your business banking accounts. Comparing and changing can sometimes save you hundreds a year and keeping overheads down, keeps your profit up, so check what you pay your suppliers and utility companies and do your research. If youā€™ve been with your current suppliers for a while, try getting them down on price as you are a loyal customer. The same goes with the rent on your business premises. If rents are gradually creeping up then negotiate with your landlord. If they arenā€™t prepared to bend, then look for somewhere that makes life easier.

After a few years, once youā€™ve been working in your business for long enough, you should have a good idea of swings and roundabouts of the industry. For example catering companies will see a rise during the hotter season when people are holding events or weddings, and travel agents will see a boom in the winter months as families start booking trips for the summer months and budgeting will allow you to go with the flow of busy months but still keep your head above water when things are a little quieter.

If there are any big discrepancies and your cash isnā€™t going your way, it could be time to make some more serious cut backs. If your staff overheads are costing too much or are becoming unattainable it might be time to make some tough decisions. The same goes for staff perks and extras. If you have company cars or big trips away then make sure youā€™re getting the best deal on them. If they are still eating away at your profit then it’s time to trim the fat and get rid.

 

 


Pic credit – The Blue Diamond Gallery,Ā Nick Youngson, CC

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