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A Guide to Betting on Football Matches

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If you are a football fan and have always wanted to place a
bet on a match or two, you might not know exactly where to begin. With so much
advice swirling around the various leagues, it can be tough to know what tips
are worth taking into account or how much of your own research you need to do
ahead of placing a bet.

Here are a few things to keep in mind before you embark on
your first football betting experience.

Set Your Limit

The first thing you need to do before you start gambling in
any capacity is to set, and resolve to stick to, your limit. Placing bets can
be a fun and engaging aspect of sporting events, and it can add an exciting
social element to a match as well. You can even take part in online betting on
Esports
. However, you need to keep in mind that gambling on sports matches
isn’t how you are going to make your millions.

Take a look at your finances and decide what a reasonable
amount of money to play with would be. There is always a significant amount of risk involved
in betting
, so don’t gamble with any amount of money that you can’t afford
to lose.

Understanding the Odds

While it is true that a “sure thing” in sports betting
doesn’t actually exist, there is an entire industry dedicated to researching
the various likely outcomes of virtually every upcoming football match. Tipsters
and analysts will look at everything from the obvious factors like injury
reports and league standings to the not so obvious factors like weather
conditions and how they affect various players to generate their tips for a
football match.

It is a good idea to take these tips with a grain of salt,
so to speak, as favourable odds on one team over another doesn’t guarantee a
winning bet. However, where you find these tips online is important to
consider. If you are looking at trusted sports betting sources for your tips,
instead of going off of what your buddy recommends over a pint, you have a
better chance of success.  

When you look at the odds for a potential outcome of a
football match, it will most likely be written as “fractional
odds
”. This will give you the ratio of money you will most likely win
against the amount of money you bet. Essentially, if you place a £1 bet on a
team that has a 5/1 odds of winning, then you stand to win £5 in addition to
the £1 that you initially bet.

Do Your Research

One last thing to note is that if you hope to give yourself
the best chances of winning when betting on a football match, you should do
your own independent research. Look into the team’s records against different
teams in the league. Consider the health and fitness of the key players on the
team.

By doing your own research and weighing the results of that
research with the advice of the experts, you can give yourself the best chance
of placing a successful bet.

The Russia – Africa economic summit: URALCHEM reports the results

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During the Russia – Africa economic summit
on the 23-25 of October, 2019, negotiations were held by African leaders and
top management of URALCHEM company, Dmitry Mazepin and Dmitry Konyaev. The
summit, which took place in the Russian city of Sochi, resulted in signing a
Memorandum of Understanding with Opaia Group.

The agreement signed by the two companies
enabled the creation of a production complex in Angola for manufacturing urea
and joint ammonia, its capacity being over 1.2 million tons and the total
investment figures estimated to be over $1 billion. The production is due to
start in three years – in 2023. 

During the forum, Dmitry Mazepin managed to
collaborate with leaders of a number of African countries and to discuss the
terms of their future collaboration with the leading Russian fertilizers
manufacturer.  

Partnership with Mozambique appears to be
highly profitable for URALCHEM, particularly because of the port of Beira, the
transport junction which can enable the enterprise to supply the mineral
fertilizers it manufactures to Zambia and Zimbabwe. Dmitry Mazepin and the
Mozambique leader, President Filipe Jacinto Nyusi, reached an agreement
concerning the prospects of URALCHEM’s deliveries to Mozambique’s domestic
market. 

The discussion with Emmerson Mnangagwa,
President of Zimbabwe, had to do with the important issue of the Chemplex group
privatization, and URALCHEM company’s role in it, which was confirmed during
these talks. Zimbabwean authorities reported significant lack of funding and
technological deficit, which had been preventing the plant from effective and
efficient functioning. The country sees Dmitry Mazepin’s enterprise as a
prospective investor, which, in its turn, has already shipped a considerable
amount of fertilizers to the country, their estimated worth being approximately
$20 million.   

Another African country interested in
collaboration with the prosperous Russian enterprise is Kenya. Dmitry Mazepin
held successful negotiations with the Kenyan President, Uhuru Muigai Kenyatta,
on the subject of developing mining projects and building a port in Kenya.

Leaders of the two African countries, the
Tongolese Republic and the Republic of Ethiopia, also met with Dmitry Mazepin,
during the Russia – Africa Economic Summit in October. Their aim was to discuss
points of cooperation, which appear to be beneficial for both the Russian
company and the developing African countries.

Chairman of URALCHEM, Dmitry Mazepin,
summarized the results of the summit:

“We could not miss such an important event
for our country. We have been supplying our products to Angola, Kenya, Zambia
and Zimbabwe for some time, and Mozambique is the next in the line. It is a
pleasure to observe how African countries are taking steps to cooperate with the
Russian businesses. We definitely see this collaboration as a crucial business
direction for the next 2-3 decades”.

Dmitry Konyaev, URALCHEM’s Deputy Chairman,
particularly pointed out that the Memorandum, which they managed to sign with
the Opaia Group, was a vital step towards the development of the agricultural
sector in Angola, on the one hand, and a profitable initiative for the holding
willing to undertake the active supply of the fertilizers to the country.

Partnership and Collaboration with Napag Trading

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in Napag we understand the significance of
business partners all with their collaborators, and that’s why we have a
convenient number of partners who are working with Napag in the petroleum and
energy market. 

Financial, energy, commercial, and petroleum
sectors have experts working that our team depends on. 

Fulfilling the requirements of the world we
live in, we have kept our global to make our business a level petro-corp. Our
team is composed of people from various nationalities, so we have creative and
diverse minds to work with, which helps us serve the best services and products
to our valued customers.    

We understand that to improve business
outcomes; we must form strategic partnerships and collaborations. This is
because strategic alliances are beneficial to everyone ranging from employees,
businesses, and also customers.

Businesses have the opportunity to increase
their addressable market while widening their relevance. Customers get the
benefits from the offerings along with the strengths each organization brings
to them, and employees get the opportunity to experience new perspectives and
expertise. Moreover, developing relationships between complementary businesses
bring forth collaboration and longevity, allowing us to offer services that
help our customers and other companies achieve success.   

When different organisations work together, they bring a combination of effort and expertise, which helps all partners in the business to grow and innovate, increasing their competing ability on various levels.

Benefits of collaboration with Napag

Essential benefits are divided into several
categories:

● Financial benefits – for example, the
ability to bring an increase in domestic or export sales or resources shared to
cut costs.

● Human capital – for example, the ability to
increase employment and boost staff motivation along with developing employees’
skills and capabilities and safeguarding jobs.

● Physical capital – for example, the ability
to share and divide resources, facilities, equipment, and raw materials.

● Intellectual capital – for example, the
ability to bring forth combined expertise, capabilities, and knowledge.

Collaborative competitiveness

Sometimes business networks might give access
to other member companies that would otherwise not be available to a single
business. Individually, companies can face many challenges when trying to go
head-on in global markets. This also includes the expertise the company has
along with the scale.    

We at Napag know the significance of collaboration, as businesses can often help each other specialize in various areas and participate in markets that would otherwise be beyond an individual business’ reach.  

Collaboration vs. competition

There is a difference between effective cooperation
and healthy competition. This difference must be understood for the business of
how much ‘help’ must be given.  

When it comes to collaborative working, the
keypoints are information sharing along with proper communication. This,
however, does not mean that you should expose your business’s inner workings
completely.

Collaborating can be done in several ways, and
at Napag we aim to collaborate in such a way that we get to complement our
partners without getting in the risk of losing our market share or intellectual
property.

How Napag Trading grew through Digital Marketing

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In this era, the world has become a global
village; everyone wants to cope with the needs of the modern-day. In this
global village, people have to interact with each other and socialize to form a
society. Society is defined as by the interaction of people which are connected
either they want to grow or promote themselves, or they want to develop
something that they are producing or many factoring. They do so to cope with
modern needs to improve themselves and to make the people know about themselves
it will increase their production and more people will come to know about the
product.

Napag trading is entirely self-sufficient on its own because we believe that best marketing is providing the best marketing, so we are strictly following the quality will lead to the customer belief in you. There is no more substantial marketing than customer satisfaction and happiness, and this belief on you.

Marketing of Napag Trading:

Some tactics and techniques of marketing
followed by Napag trading are as follow:

TV Commercials:

We have more than 200 products which are
actively commercialized that include various household items among multiple
channels.

Internet Marketing:

We put some extra, and extraordinary
efforts in internet Marketing as nowadays the internet is the most vastly used
mass communication medium nowadays for this purpose we are in touch in ad Mobs,
AdSense and YouTube add.

Questions

Different questioners are usually filled by
the different people around the world that includes the feedback system in case
of any miss happening Napag offers you to call their toll free numbers.

Surveys:

Napag trading carries out different sort of
survey’s to know the exact needs of the customer. As customer satisfaction is
the priority of Napag trading, so we try to produce as per the requirement of
the customers.

Marketing Team of Napag Trading:

Our marketing team is paying extra special
care and attention in giving something back to our company. They do visit
almost all the big companies in the world and present them with their trials.
So, they came to know about the products that we are producing.

Giveaways:

Various giveaways are also carried out in
which based on some simple question we send a range of products free of cost as
a gift to different winners which eventually promotes Napag trading.

The budget of the Marketing:

Napag trading using most of their resources
gives a special allotment for its Marketing as healthy and robust Marketing led
your company to grow more. As more people will get to know about you, the more
benefit Napag will be having.

 We
are summarizing that marketing plays an essential role in the progress of every
company. We are also following some of the marketing tactics so stand among
some the other companies in the world.

Common materials used for bathroom wall panels

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If you are looking for all the latest trendy wall finish options for your bathroom, then the bathroom wall panels are just perfect for you. There are options available in the market such as cladding with tiles, painting and wallpapering but all of these has been replaced by the bathroom wall panels. There are many reasons why the bathroom wall panels are now preferred by so many people and one of them is durability. The wall panels are also very much hygienic as well as cost-effective in nature. The best thing about wall panels is that they can at times be much cheaper than wallpapers. People prefer wall panels also because it helps in hiding all the wires and cables which are generally exposed in the bathroom walls.

Today we
will be discussing all the right materials which you can use so that you can
get the best out of the wall panels. We will also be talking about all the
different pros and cons of all the materials which are used in wall panels.
Some of the wall panels which we will be talking about are:

  • Wood panels
  • Vinyl covered with gypsum board
  • PVC panels
  • Fabric panels
  • Medium density filter board
  • Chipboard panels
  • Wood panels

Chipboard
Panels are the ones which are made out of different chips of wood which are all
glued with the help of an adhesive and heated till they form a stiff board.
There are three types of chipboard panels which are available in the market
which are normal density, medium density, and high density. The normal panel is
available at cheap prices but they are fragile in nature. The high-density
version is thick and strong in nature.

All the
panels which are made out of wood are also popular in nature. They are a bit
expensive, but they work wonderfully giving the bathroom thermal insulation.
These panels are easy to replace and repair. The only disadvantage of using them
in the bathroom is that they are not waterproof and they will start to rot in
the course of time. This panel comes with a lot of maintenance work.

Medium
density fiberboard is the one which is made out of wood and small wooden
fibers. They can resin a lot of pressure as well as heat. The disadvantage of
using them is that they cannot be installed easily. You will require a lot of
nails so that you can install them.

There are a lot of panels available in the market now but the only panel that is recommended to the people is the PVC panel. The longevity of the panels is long. This panel does not attract any kind of dust which makes it a perfect option for bathroom walls. This is available everywhere and is very cost efficient. Make sure to go for the PVC panel if you are not willing to invest a lot of money on bathroom wall panels, however if you have more budget maybe consider our latest bathroom flooring as well?

Explore the possibilities for improvement in your bathroom with affordable yet luxurious-smelling coco luxe wax melts and keep your bathroom smelling fresh all the day.

5 Advantages of Having a Mortgage Broker by Your Side

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It is noted that working with an expert and knowledgeable mortgage broker can help you pin down the best mortgage options. Relying on a broker allows you to save time and costs. If you are wondering how consulting a mortgage broker can be advantageous for you, then check on the following:

#1: Valuable Market Expertise

Primarily, you get to benefit from the notable market expertise of your mortgage broker. Perhaps, he has extensive knowledge of the home buying and refinancing process. He has the industry experience that he can properly guide you as per your mortgage requirements. Your mortgage broker can help you find ideal options at suitable prices. Understandably, he is capable enough to evaluate the workings of the current housing & lending market to pin down the right type of mortgage loan for you in the long haul. Thus, it is advantageous to acquire professional advice from a qualified mortgage broker like Think Plutus to find the best mortgage deal.

#2: Reduction of Fees

Next, your mortgage broker is able to better manage your fees. When you are looking to obtain a new mortgage from a new lender, you have to pay a lot of fees. For instance, application fees, origination charges, appraisal costs, etc. However, working with a mortgage broker can help you request your lender to waive off some portion of these fees. As a result, you will have to pay less in the short-run and long-run. Independent advisors like The Mortgage Depot in Bristol can offer you further information on the costs you’ll incur as part of buying a house.

#3: Easy Loan Comparisons

A mortgage broker takes his time to assess your financial status and
mortgage goals to help you find the appropriate mortgage lender. He knows what
matches best with your current mortgage needs. He attempts to make a comparison
to evaluate rates offered by different banks and lenders. He has access to a
broad market portfolio to choose the best for his clients. As a result, you
don’t have to visit lenders and banks individually. You can simply seek
information from your broker.

#4: Access to Loan Records

Probably, you don’t know that every time your mortgage application
gets denied, you get a negative influence on your credit scorecard. Thus, it is
imperative on your end to understand the requirements and conditions of
different lenders before requesting for a mortgage loan. However, your broker
can help you with this as he has access to the newest loan records and market
information from different banks and lenders. He can evaluate the likeness of
your application approval by matching your status and needs with the lender’s
specified criteria. This way, you can significantly avoid the bad score on your
credit history.

#5: Most Advantageous Deal

Lastly, your mortgage broker gets you the most advantageous deal. He takes care of your interests and represents you in the best possible manner in front of lending institutions. Your mortgage lender may be sufficiently capable of serving different roles such as agent, problem solver, and knowledgeable consultant. He has access to unlimited mortgage products to provide you with several benefits. They include interest rate, payment method, repayment amount, and loan product. He devises innovative mortgage strategies to serve your mortgage goals.  

The Bottom Line

Without a positive score, it is impossible to get the best conditions on a mortgage, let alone qualify for it. Check your status long before applying. Remember that the criteria depend on the lender and the type of loan. Repair or rebuild your history to get the lowest interest rate.

What Impact Will Coronavirus Infection Rates Have on Nonprofit Organisations

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Perhaps the single most obvious and visible impact that COVID-19 infections are having in the world of nonprofit organisations is related to the first quarter events season. Spring is always a great time to hold fundraisers and various types of events that help increase the overall budget that organisations will have to work with for the remainder of the fiscal year. Unfortunately, many of these events have been canceled or pushed back for months.

Considering that more than a few MPs have stated that people have to remain at home at all times, there’s literally no way for most of these groups to raise money in person. Several organizations have stepped up their fundraising game, however, and are now starting to find alternative ways of doing things.

In many cases, these events won’t raise anywhere near as much money as traditional ones might have. However, they represent a path for smaller charities to weather the storm and survive in an increasingly volatile market.

Virtual Fundraising Events

Fine dining and even more casual cookouts have long been a mainstay of so many fundraising programs. Recently, people have started to put together something called dinner with a twist, where people in black ties deliver meals to local holders who wouldn’t otherwise be able to visit a physical event. This has become particularly popular with those who care for seniors.

While these events won’t ever be quite as popular as traditional ones, those who use an online donation platform like Donorbox are going to be able to collect donations from those who participate even if they can’t do so in person. Creative organisers are starting to put together some pretty amazing remote events using this kind of technology.

Major record labels have started to host concerts from a remote location. They sell tickets online through a donation widget and the proceeds then go to help those who have been impacted by the virus. Since the economic damage caused by taking certain steps to prevent continued infection have begun to hurt people’s financial status, there’s a good chance that many of these events can directly benefit those who have been dealing with challenges as a result of what’s going on.

In fact, some pundits are saying that charity organisers should expect to see increases in the amount of people they see applying for aid.

Increased Demand on Charity Funds

Due to the fact that so many people are out of work across the entire industralised world, many of these individuals have started to turn to charities in order to try and improve their own situation. While this is exactly why these organisations exist in the first place, it’s clearly putting quite a strain on groups that were already beleaguered by other events not directly related to the coronavirus.

For instance, recently unemployed persons have started to ask for an increased amount of financial assistance during these times. Payroll problems from the previous year have impacted the economy as it was, so these groups have had to work harder than normal for a number of months now.

Specialists have invented some interesting ways to deal with the sudden increase in demands. The so-called flash fundraiser is among the most common.

An organisation using this scheme will announce that their normal plans have been cancelled so they have to hold a fast emergency fundraising that will last only one or two days. The most successful ones so far have leveraged a matched gift that’s helped to encourage additional donations even if they run into cash shortages.

Others have turned to virtual auctions. Some people livestream their auctions through social media to give the same experience that those attending a charity gala would have otherwise had. Some have elected to forego the entire experience and merely sell on eBay or another popular online auction site. In either case, this can also help to drastically reduce the amount of money it costs to put on one of these shows. Top online sellers in the past could make up to £17 million annually, so it’s likely that those today could make even more

More recently, nonprofits have been working to develop even more ways of dealing with the fundraising slump related to the ongoing COVID-19 pandemic.

Creative Ways of Dealing with a Serious Problem

Sharable content is important in any situation, but quite a few groups have refocused their effort on it. Creating content that shows off fundraising highlights can help to increase generosity in givers. As people learn more about what these groups need, it’s likely that they’ll continue to support them in droves.

Millions self-isolating – What it means for Britain’s Broadband Network

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With
the pandemic that has hit the world, specific measures had to be taken to try
and curb. Individuals have been advised to observe a high standard of hygiene.
People should also practice social distancing so that the infected ones don’t
infect healthy people.

With
social distancing, most companies decided that their workers are better off
working from home. As much as that seems like a practical solution to most
companies, there may be a challenge looming when it comes to the broadband
used.

The
infrastructure used by millions of individuals in Britain may not be able to
handle the overload.

Some of the effects that may be experienced due to many rural broadband users include;

Slow internet speed

Usually,
most networks in the office have a monitoring system for the network that they
are using to avoid jamming it. This is useful in ensuring that there is an
excellent regular flow for everyone to be able to do their work.

However,
that is usually not the case when people are using the internet at home. They may take hours to be able to
download a file or a video. So just like a highway with a lot of cars, it will
take much longer for one to do their job on that broadband. It is also
important to remember that other family members will be home as well; hence
they may be downloading games, researching school projects, or even watching a
movie, which will make the internet speed even slower.

Getting multiple computer
viruses

Due
to the significant number of people trying to access different or the same
sites, an individual’s computer may get a virus. Depending on the devices that
are used, it may be easy to pick up files that have been infected and spread
the virus.

Getting hacked

Hackers
are always looking for convenient times that they can access vital information
that they can use against an individual or a corporation. Working from home may give them the necessary
loopholes to do so without a lot of struggle. Individuals at home may not have
the essential firewall that will deal with unknown malware lurking around to
get information.

Poor video quality

It
may be necessary for regular video conference calls when at home. This can be compromised
by the large number of users who are using the same internet broadband at the
same time. If a video call is required to pass information, then the sound and
picture quality could be significantly affected. People may have to deal with
unfinished sentences due to regular network hanging.

Frequent internet blackouts

In
the event that the broadband networks haven’t been upgraded, then people can
experience regular interruptions, which will disrupt the activities they are
doing on the internet. If there are people who are trading on the internet,
then they may experience lump sum losses. The research found out that there are
about 3million people in Britain who have full access to the upgraded version
of broadband.

Some of the ways that one can deal with
such issues include;

Change the position of the router

The
place where your router is placed is essential. If there is anything that is
creating a barring between you and the internet, then it should be removed. If
you have a media console, then putting it in a central place or better yet
hanging it on the wall may increase the bandwidth that you get.

Manage the connections in the home

You
should be wary of how many devices are using the internet when you want better
speed.  You can request your family
members to give you time to allow you to do your work first before they start
streaming different videos. This can be done for all the family members to be
able to keep up with their school work and other research. If the broadband you
are using is connected to pieces of equipment like TV, then you can switch off
their connections when working to reduce the overload.

Upgrade the internet plan

If
you have had the same policy or the type of types of equipment, then you should
have an upgrade. You can do that by communicating with your internet provider.
They will come and change the pieces of equipment for you to suit your current
needs or change the plan to give you more bandwidth.

You can also consider some of the
options like;

If
your job description allows, then you can change your working hours. Working at
a particular time of the day may help one to get a better internet connection.
This may require you to work in the middle of the night when most people are
not using broadband.

Have a wired connection instead of
going wireless

Most
people prefer having wireless connections to make movements easy within the
home. However, the luxury of moving around can make you have slow internet. It
is advisable to have an Ethernet cable to use. 
It will give you a better connection. The cable can be as long as you
want it to be, and they are quite cheap as well. Even though you may get a long
one try to use it in one room otherwise you may cause a family member to trip
on it and fall.  

Plug the router in the main socket

If
you are experiencing issues with your broadband, it is essential to check where
you have plugged in the main power outlet. It is advisable to use the main
outlet so that you will avoid any faulty extensions around.

Extension
cables will give you the option to have more devices at the same time but may
have an effect on the speed of the internet.  

Conclusion

During
a pandemic, it is crucial to communicate with your broadband provider. They
will be in a better position to guide you on the best ways to get a stable
internet at all times. Once you have sought for help, please follow the
guidelines that they give you.

How To Find A Packaging Supplier That Suits Your Needs

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With more than £11
billion
in annual sales, the UK’s packing market is booming, meaning you’ve
got a vast array of suppliers to choose from when you’re searching for someone
to create the packing that will make your product stand out.

The market looks set to go from strength to strength in the
future, with consumers increasingly demanding convenient, innovative, but at
the same sustainable packaging solutions.

If you’re looking for a new packaging supplier, be it for your start-up company, a new product or just because your existing supplier isn’t giving you what you need, then check out our top tips.

Think About What You Need

Before you even begin scouring the market for a new
supplier, you should consider what you need from them. If you’ve already got an
idea of the design of your packaging in mind, then you’ll only need to find a
manufacturer, but if you need design support then you’ll probably require a
full-service packaging firm. Take the time to consider what you need your
packaging supplier to do for you, so that you can find a company that will
provide the support and services you require.

Ask For Recommendations

When you first start searching for a new packaging supplier,
you should ask your industry peers for recommendations. Professional social
media sites such as LinkedIn, tradeshows and even networking events can help
you to find fellow producers in your market and learn about the packing
suppliers they like working with, and the ones that they avoid. Use the benefit
of their experience to guide you towards the packaging supply firms that are
worth your time and attention.

Don’t Overlook Labels

As well as the outer packaging of your product, you also
need to make sure that you get quality labels printed that contain all the
details your clients need to know.  Experienced
label printer label.co.uk, who’ve worked
with a wide range of brands and businesses, can help you to create a custom
label solution that meets your needs. They offer a wide range of styles and can
give you samples, so you can find the perfect label for your product.

Ask For Samples

As with your labels, you should also ask for samples of the
packaging you’re going to be purchasing, so that you can find a quality
solution that meets your needs. It’s important that you test its durability,
appearance and overall quality, so that you can find a product that enhance
your firm’s brand identity and meet the expectations of your customers.

Check Out Their Service Offering

Many packaging suppliers offer multiple services, such as
distribution and marketing, so check out their full service offering to see if
you can work with one supplier for multiple services. If you find the right
supplier, then this can be a cost-effective way to manage your business. You
should also check out the options that they provide in the packaging area, as
trends in this industry are constantly evolving. If you need to change your
packaging for any reason, it’s better that you’re able to do it with the same
supplier, so try to find a provider that offers multiple different types of
packaging.

Never Choose Based Exclusively On Price

Price is always an important factor, as the cost of your
packaging will affect your product’s mark-up and your business revenue.
However, this should never be the only factor that you consider. You also need
to think about logistics, quality and customer service. If the company you’re
working with doesn’t provide the service you need, then it could be very hard
to work with them. Be wary of any early signs that their customer service might
not be as good as you need it to be, such as ignoring queries, taking a long
time to respond or being curt in their responses. Any of these issues should be
a red flag and lead you to consider looking elsewhere for a packaging
provider. 

Read Reviews

Once you’ve found a supplier you like, you should read
reviews to check that they will definitely provide you with the quality service
and products that you need. Check out a variety of review
sites
to see what real customers have to say about the packaging supplier
you’re looking to work with. Be objective, as it’s important to remember that
some reviewers might be biased for or against the company. The important to
look out for is consistency; if you notice several different reviewers making
the same comments, then this could be a sign that this is true.

Finding a new packaging supplier can be a challenge, but by
using these tips and taking the time to review the options you have available,
you can find a supplier that will meet your needs and exceed your expectations.

Innovation for Property Developers

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The world of property development finance is a busy and exciting one but not one that has seen too many changes to technology.  At the time of writing, the country is facing a daunting crisis with the impact of CoronaVirus (COVID19) bringing our usual working day to a halt.  However, an innovation from Developer Money Market is providing a new tool to help property developers find the vital financing they require. Inevitably, the CoronaVirus crisis is going to have an ongoing economic fallout which could make the finding of property development funding significantly more difficult.

The traditional route for property developers needing funding for a new project is to either return to their previous funder, start ringing around new banks or contacting a finance broker to do the job for them.  An established bank contact is, naturally, a reasonable place to start but does not necessarily mean that the terms offered will be the best available at the time. With many dozens of specialist development funding banks, calling each to find out their appetite for a deal can be very time consuming.  An independent development finance broker can be a good option as they should have an up-to-date knowledge of the market and will do a lot of the legwork.

A few months ago, those were the options to pick from.  But just recently a fourth option has become available from Developer Money Market who have introduced a new online platform that enables developers to search loan products online.  The online funding search platform means that property developers can simply enter the key financial requirements for their new project and, with one click, be provided with a list of matching loans.  The search process matches the information, such as loan size, loan to cost, loan to value, term, etc, and then only presents the loan products that may be suitable.  

Loan types include senior development, stretch, mezzanine and bridge loan options with facilities available from just £25,000 to £150million.  Finding that lender that will consider a high loan to cost, a long-term loan or does not request personal guarantees is suddenly made much easier and doesn’t need specialist knowledge!

A developer can then compare each loan and is provided with additional information about the type of lender and their usual appetite for deals.  With each loan data saved to the developers secure account, it is easy to amend the numbers quickly and resubmit to see what new options may appear.  All of the bank data is regularly updated by www.developermoneymarket.com so fast comparisons can easily be made when the developer is considering a new site.

Of course, the job doesn’t stop there and when the developer has selected which loans may be of interest, a simple click passes the application process to Developer Money Market.  Their role is to review the application and submit it to the banks concerned within a professionally presented requirements document. Where the bank shows interest in providing terms, then the developer can manage the rest of the process directly or request the management services of Developer Money Market.  If the developer manages directly then the introduction fee is kept to just 0.5% saving vital costs. However, Developer Money Market can still act in the usual broker capacity and manage the whole process for the borrower if required.

The freedom to both efficiently search for property development loans and have the option to keep costs down is already attracting great interest from property developers with hundreds of searches having been done in just the first few weeks.  Property developers can try the service for free and without commitment via the Developer Money Market website.

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