Blog Blog Copyright by en Thu, 23 Sep 2021 17:56:52 -0400 3 Business Alternatives to Wise Money Transfer Wise (formerly known as TransferWise) has been one of the many trustworthy money transfer mediums for sending and receiving money to (and from) abroad. It is even more popular now because it just went public on IPO. It is the biggest British startup and has, over the years, won the hearts of many in terms of credibility and security. The transfer fees are very transparent and close to nothing; therefore, many people opt for this medium to send money. 

It has a strong business account option which adds to the many benefits of the medium and can support many currencies from different countries. In addition to this, the Wise card is borderless. So it can be used internationally across all regions. These and more are reasons the Wise money transfer medium is being used worldwide. However, there are certain criticisms against Wise that have emerged over the years. This will be the focus of this article. 

Criticisms about

Though the many benefits of Wise, some attributes make it not the best choice for international money transfer. They include the following:  

  1. All the process is done online: From the point of registration to receiving alerts on successful transfer, every process cannot be done offline. This is especially difficult during slow connections. Sometimes, clients have complained about not being able to do some transactions due to challenges with connections. Some clients also complained that things as little alerts should be able to be received offline. 
  1. Difficult to get support: Another criticism against Wise is that it is difficult to get support while using the site. A 24-hour active customer service support team was promised by the website in times of difficulties with the site's procedures and processes. However, there have been complaints towards the customer service support as not been available 24/7 as promised. And though this has been worked on, there still seems to be an issue with this. 
  1. Difficult to track transfer: The third thing that customer reviews have highlighted is that it is usually a challenge to track transfer if it does not go through. While sending money internationally there could be some event that could delay or terminate the transfer. In this event, it could be become very difficult to track the path of the transfer for the solution. 
  1. Large transactions are not convenient: Though the transfer fees for Wise are transparent and low, it can get uncomfortable and expensive when sending large amounts internationally using Wise. Therefore, many clients (individual or business organizations) prefer to use other mediums to send large amounts abroad. 

Because of these reasons, we have put together three alternatives for Wise Money Transfer company, that will provide you with better benefits, speed and security while transferring your money internationally. 

Alternatives to

Below are three money transfer companies that can stand as an alternative to because they provide better services to ease money transfer processes. The three companies are world first, TorFX, and moneycorp.  

Worldfirst Money Transfer

Worldfirst, based in London is a business that helps both individuals and businesses send and receive money from abroad. For individuals, there are no transfer fees whatsoever - yes, Worldfirst collects nothing for individuals to send money abroad. However, the receiving bank could incur some fees. Also, the customer service support for Worldfirst is quick and active from Monday to Friday (8:30 am to 5:30 pm). 

In addition, the company has a competitive exchange rate with other companies (including Wise) and they send money across many currencies and countries. Businesses also prefer to use this medium for large amounts of transactions because the transfer fees for businesses are very low. This gives Worldfirst another point against 

Another advantage of Worldfirst is that it is one of the fastest ways to send money with a reliable way to track every step of the money-sending process. They also entered into a contract agreement with banks in many countries to help clients lower transfer fees. 

The downside however is that the minimum transfer threshold is a little too high for those that want to transfer smaller fees. Standing at $1000, many individuals might opt for other options to send smaller amounts. Money can also be collected only through banks (cash pickup, airtime, or mobile transfer is not available). 

Quick fun fact - WorldFirst was Euro 2020’s official sponsor. 

TorFX Money Transfer

TorFX was formerly called Tor Currency Exchange Ltd in 2004 and has since then grown into one of the many leading money transfer companies in the world today. Just as and Worldfirst, it also serves both individual clients as well as businesses. One thing that makes Torfx stand out is that there is no maximum transfer limit, therefore, companies can take advantage of this to send large sums of money abroad. 

When it comes to transfer fees, TorFX does not place any fixed fee on the transfer amount. However, additional fees could be incurred from the receiving banks. TorFX also has a multi-currency account and serves many countries including UK, USA, Mexico, Australia, Poland, China, Canada, and South Africa.

They also provide a flexible transfer option for businesses and individuals that have challenges while sending money. Some of the opened transfer options include spot contracts, forward contracts, and market orders. Their minimum transfer threshold is $200 which is better than WorldFirst and the fact that there is no maximum transfer limit makes it a good alternative for Wise.

Quick fun fact - TorFX was voted the best employer in Cornwall.

Moneycorp Money Transfer

Moneycorp has been in the money transfer business for ages, and it is one of the largest UK-owned money transfer companies with offices in many countries including Ireland, Hong Kong, Romania, Brazil, Australia, and Spain. With its continuous success in providing money transfer solutions to many countries, it also operates with hundreds of currencies. 

The transfer rate is also competitive and is a good option for both small and medium-scale transfer transactions. The mobile application also makes it easy to track every transfer process from start to finish (which beats Wise’s difficulty to track transfer processes). Moneycorp also has a generally good review concerning their good and active customer service support team. 

This is a good alternative for Wise because of its transfer rate and transfer tracking advantages. Also, the transfer fees for large money transfer is better than Wise. 

Quick fun fact - Moneycorp is the original business money transfer service.


Final Thoughts

Wise has been in the market for so long and has built a world for itself with many loyal customers. But when the criticisms over-run the benefits, customers look for alternatives to a better money transfer option. In the guide above, we provided three alternatives to Wise with a brief review on them. These companies too have their shortcomings, but overall, we would choose them over Wise.

Uncategorized Editor Tue, 27 Jul 2021 23:39:28 -0400
Tips on Finding the Most Affordable Insurance for Luxury and Exotic Cars Driving a luxury car offers a totally different experience that requires a totally different set of insurance. Luxury car insurance can seem similar to regular car insurance but they very much differ when it comes to pricing and liability and security at stake. If you drive a luxury car, it’s always best if you’d opt for full coverage.

A full-coverage that includes liability, collision, comprehensive, medical payment, personal injury protection, and new car replacement coverage can seem expensive but you need not spend big.

In this article, we’d discuss everything you need to know when it comes to luxury car insurance. We’d share tips on how to get the most affordable rates. We’d also discuss exotic car insurance.

After reading this article, looking for budget-friendly luxury car insurance will be significantly easier for you.

What kinds of protection and insurance plans do you need for your luxury car?

If you own a luxury car, we highly recommend that you get hold of the following coverages:

  1. Liability insurance
  2. Personal Injury Protection and Medical Payment Coverage
  3. Collision and Comprehensive Insurance
  4. Gap or new car replacement Insurance

Liability Insurance

The only thing that you need to remember when availing liability insurance is that you need to buy enough coverage and security that can protect your at-risk assets. Simply put, you need to cover the amount of anything that could stand to lose if you will be held liable for damages. If you will be at fault in any incident, this insurance will cover property damage to other parties and medical expenses.

Some insurers have a limited amount of liability insurance so it’s best that you inquire about this matter. If you can, do opt for an additional umbrella policy that can kick in $1,000,000 increments if you’ve met your PD and BI limits.

Personal Injury Protection and Medical Payment Coverage

This insurance will cover your medical bills and that of your passengers’ if you’d encounter an accident. This is essential coverage for luxury car owners because driving high-powered vehicles can expose individuals to a heightened risk of injury.

If you have a PIP plan secured, your insurer will pay for your medical bills even if you’re the one at fault. PIP claims are processed faster because no disputes arise. If your insurer doesn’t offer PIP, look for medical payment coverage. A medical payment coverage is similar to a PIP plan, just that it doesn’t pay for lost wages and similar damages.

Collision and Comprehensive Insurance

This coverage is very important because it covers the damage to your own car. It can be expensive but it is absolutely essential as it will ensure that you are protected and secure should you encounter accidents, theft, falling objects, or natural disasters.

This plan covers even repairs to your vehicle even if you’re the one at fault. Remember though that the more expensive your car, the higher the premium that you would need to pay.

Gap and New Car Replacement Coverage

Gap insurance is perfect if you financed a luxury vehicle and the amount you still have to pay is higher than the amount that your insurance would cover should you have an accident. This plan also works perfectly if you’re leasing a vehicle.

Vehicles depreciate and your insurer would only cover your car’s actual value. This means that you could be responsible for thousands of dollars should it that your car has significantly depreciated.

A new car replacement coverage is also a good form of security as it would give you the security to easily buy a replacement car of the same make and model should you encounter any mishaps.

How much does it cost to have your luxury car insured?

Luxury car insurance plans are 63% more expensive than regular car insurance.

Tips on Finding the Most Affordable Luxury Car Insurance

Luxury car insurance can be more expensive but it doesn’t mean that you truly have to spend big. Take note of the following tips to ensure that you get the cheapest and friendliest luxury car insurance plans. The number one motor trade insurance available can help you in looking for affordable deals so do consult one if you can.

1. Multi-Line Discounts

Choose to bundle multiple lines of insurance to get significant discounts. You can bundle luxury car insurance with your life insurance plan or any existing insurance plans. Try not to add high-risk drivers like young drivers for they can significantly increase your premiums.

2. Reducing Coverage

You can also opt to reduce coverage. If you won’t drive your vehicle on a daily basis, you could simply choose to have comprehensive coverage and drop the rest. If you only drive your vehicle during summer, you could raise this to your insurer and have a significantly lesser premium while your car is not in use and in storage. If you store your luxury car in an unsecured location, it’s also best that you keep your collision insurance.

3. Luxury Vehicle Safety and Anti-Theft Discounts

Have your car packed with safety features. The more safety features it has, the more discounts you’d get to receive from insurers. Opt for more features that reduce theft risks like tracking devices, car alarms, and vehicle identification number window etching.

Exotic Car Insurance

Extremely rare and expensive luxury cars are considered exotic cars. If you own a McLaren, a Ferrari, or a Lamborghini, you own an exotic car that requires an insurance plan that is different from a default luxury car insurance. To spend lesser when availing insurance plans for your exotic car, you should look for specialty auto insurance policy providers. Looking to be covered by regular insurers would cost so much more. As specialty auto insurance policy providers specially cater to exotic cars, you will be offered significantly better deals and friendlier premiums.

Uncategorized Editor Mon, 31 May 2021 08:56:54 -0400
The Cost Of Not Running A DBS Check Before A Hire Recruiting has never been an easy part of business, and recent events have only added to the complexity of the process. With so much uncertainty and so much at stake each step of the way, companies have been pressed to revise their hiring process and adjust to the new normal.

There are many aspects of recruitment that stand to benefit from a thorough reexamination and streamlining, and even some that can be dropped altogether. For instance, procedures such as manual review of every application, in-person interviews, and on-location qualifications testing can be replaced or improved with IT recruitment tools. 

However, there are some parts of the recruitment process that companies just can’t afford to skip - and one of the most important steps is to perform DBS checks before hiring. Neglecting that aspect of recruitment can lead to some truly horrendous outcomes - here are just some of the dangers that negligent hiring brings.

You Risk Tarnishing Your Brand

Reputation has always been paramount when it comes to business, and now that everyone has near-unlimited access to relevant information through the Internet, it’s even more crucial. As a company, one of your top concerns should be building up your brand and fostering the image of professionalism, service or product quality, and overall prestige.

With so much pressure put on businesses nowadays, no one can afford to take the reputation hit that comes with the scandal associated with negligent hiring or retention. Bad publicity of this type is extremely harmful to your brand - and it only needs to happen once to tarnish your reputation forever. This is why companies need to do everything in their power to ensure that they hire the right people for the job, which invariably includes performing DBS checks on all applicants.

You can Jeopardize Safety in Your Company

There is a reason why both the state, institutions, other corporations, and citizens alike take such a dim view of negligent hiring and retention. An employee who’s not actually qualified to do their job can do a staggering amount of damage to both the business, its partners, and the business’ clients.

With blue-collar workers, lack of qualifications can result in some horrendous physical damage, if they mishandle some sort of machinery that they can’t use properly. Although the result of botching a white-collar job can be less immediately gruesome and spectacular, the collateral of such a mess-up can threaten the existence of the entire company. What’s even more important, there are bad actors out to defraud companies for their own gain. Performing DBS checks before making a hire is a critical part of weeding such individuals out and preventing them from doing any real harm.

Unqualified Hires can Result in Bottlenecks and Low Productivity

Job applicants regularly fabricating bits of their CVs is a trend that’s been around since forever. About a decade ago, nearly two in every three resumes had a misrepresentation or outright lie in it. Now, it’s about five in every six. Employers need to keep this in mind when considering candidates and be very thorough in their due diligence and DBS checks when adding new workers to the company.

The alternative means that the employer risks hiring people that are unqualified for the job they are going to need to do, and will almost certainly be doing that job to a lower standard. Even if they manage to complete their tasks, they will do so at a reduced rate, which can be a real problem if their efforts are an integral part of the company’s business process.

Morale Drops Can Damage Your Process

No one likes working with colleagues who are bad at their job. This is why in order to prevent worker dissatisfaction from boiling over, the employer needs to make sure that every one of their workers is up to the task. Keeping incompetent workers around can lead to other employees having to pull more than their own weight, which breeds resentment and generally poisons the atmosphere in a company.

Suffice it to say that this is a turn of events that you want to avoid at all costs - not only are dissatisfied workers less productive, but they are also more likely to walk out on you.

Workers Start Quitting

Turnover is a horrendous problem for businesses nowadays. The costs of replacing key workers can be downright staggering - so, companies need to make it their top priority to avoid having to do that. This means that businesses need to perform rigorous checks to make sure every worker they let on board is qualified for the job. Doing so is crucial for preventing bad actors from driving other employees off, quitting themselves, or needing to be fired when it turns out they’re not equal to the job.

Uncategorized Editor Tue, 13 Apr 2021 22:21:58 -0400
The 4 Secrets of Successfully Relocating Employees Internationally An international relocation is a big deal for anyone who experiences it. Changing countries for a job can be a big upheaval and it will certainly never be forgotten. It will be one of life’s biggest moments for all involved.

In other words, if your business needs to send employees overseas, this is something you really must get right on behalf of your much valued employees. However, it needn’t be daunting. It’s largely a case of being thoughtful, dedicated and caring — something international relocations specialists can help you take care of. 

Here are four tips to ensure you have the whole process of moving your employees overseas well thought out.

1.    Have the basics covered

Relocating employees is a challenging task. There is a lot to coordinate. Firstly, there are formalities to take care of, including visa and immigration paperwork. Add to that, the logistics of moving the employees’ possessions and household goods. Perhaps living arrangements or storage need to be organised. There is insurance to arrange, too. If the employee is bringing their spouse or partner and their children, then the tasks are multiplied.

All these individual tasks add up to a momentous effort. Navigating it and executing it all smoothly can be very difficult without experience. And as we’ve said before, this is something a company really needs to get right. The solution is to turn to a reputable international relocation service.

Working with a professional service takes much of the pressure off your shoulders. They should have experience in relocating employees to the country to which you intend to relocate your employees. This means that they will be able to organise and solve many of the issues above quickly and without significant effort on your behalf.

Services that an international relocation service can offer:

  • Move planning and coordination
  • Home surveys
  • Customs forms and documentation
  • Packing, unpacking and a full removals service
  • Insurance
  • Storage services
  • Insurance and claim management support
  • Destination services

Note that by taking an all-inclusive relocation package, you may also find your costs significantly reduced. This is of course another reason why using a professional service can be hugely advantageous.

2.    Support your employee’s family through the move

Supporting an assignee’s spouse, partner and family through an international move is of crucial importance. It’s far more than a kind gesture.

Analysis by Expat Research, published in 2019, revealed that the happiness of the whole family is likely to be the most influencing factor in the success of a relocation. “A strong and stable marriage” is said to be of great importance in 99% of international moves. Family comes first for most assignees.

Therefore, helping the whole family settle into their new environment is of more significance than many employers may realise. You can ease the transition for employees by taking away stress factors for the whole family. Look at ways you can support their move into a new culture. You could help with support in finding school places, medical care, and language learning, for example. This will help your assignee feel very much valued.

3.    Tell your assignees what they need to know

Many assignees will relish the opportunity to live in a different country and culture, to expand their language skills and to travel. This does not mean they will find everything easy, however.

Good planning is key to as little stress as possible. The more information you can provide about the destination, the better. This will help your assignees plan their moves more efficiently, avoid nasty surprises, and settle in quickly. Consider providing some form of guide to the destination that will help them ease into their new role and location quickly.

The kind of information you could help provide includes information on the cost of living. What is particularly expensive or difficult to find (and therefore worth packing)? Conversely, what is abundant and inexpensive and should be left behind?

You could also provide employees with a guide to the types and costs of housing or residential areas if they will be finding their own accommodation. A guide to public services, like organising a driving licence, navigating the postal system, public transport and more could also be of enormous value.

Sounds like a lot of effort? Then this is something an international relocation service could also take care of.

Destination services

Destination services are offered by international removal companies where a well-informed, friendly consultant is in place in the destination location to assist assignees. In this case, services offered may include:

  • Preview trips to give assignees first-hand experience of their destination before they move
  • Property services and coordination, including contract negotiation
  • Help with utilities, banking, driving licences, household insurance and much more

4.   Continue to support your assignees after the move

Your workforce is critical to business success. Those agile, experienced and talented employees that become international assignees are of enormous value. The financial investment businesses make in their relocation is usually hugely successful.

Therefore, it may be dispiriting to learn that a substantial proportion of assignees look to “jump ship” and may be actively looking for an external job opportunity during their assignment. Expat Research published evidence that this situation may apply to around a third of employees. 

Knowing that these individuals are not people a business can afford to lose, it’s imperative that risks are minimised and that assignees are well looked after. This applies to the whole assignment, not just the settling in period.

Businesses need to communicate well with their assignees, and to seek out and act on feedback. This should help companies identify where they can better support all their staff in this particular destination. This, in turn, will boost staff retention rates, and thus, profits as well. 

To summarise, it’s really important that companies prioritise the well-being of assignees during an international relocation. This benefits the business, and becomes of vital importance to the employee and their family. Choosing a relocation and international removal specialist to partner with your business can help make transitions as smooth as possible, enabling all the pieces of the relocation puzzle to easily fall into place.


Lee Brewin is the CEO of BTR International, one of the UK's premier corporate relocations companies. Providing services which facilitate companies to aid their employees to move and settle down in their new country of assignment, BTR International is all about taking care of people, simplifying business, and bringing optimal efficiency.

Uncategorized Editor Fri, 05 Feb 2021 07:27:07 -0500
How to Ace Cisco 300-425 Exam Effectively Using Dumps? IT credentials have become very popular among the students and employees over the past couple of years and it’s not surprising. A chance to quickly get certified by world-leading companies regardless of the geographical location is amazing. Moreover, sometimes you won’t need a college degree to get hired if you have a recognized badge. However, some doubts may appear when choosing a vendor from numerous options. But when speaking of the IT networking field, the verdict is clear — it should be Certbolt .

Cisco is an accreditation provider that is considered the networking industry standard. But when preparing for their exams, most participants often end up wondering “Am I ready for this?”. Well, if you only study the syllabus and do not put yourself up for a challenge with dumps and quizzes, you will lack confidence and this can lead to failing the assessment. But, no time to worry since in this article, we’ll show you how to prepare adequately with exam dumps on the example of Cisco 300-425.

Cisco 300-425 Exam Details

Cisco 300-425 is a 90-minute test that focuses on designing, installing, and managing wireless networks. Passing it, you get half-way to obtaining the Cisco CCNP Enterprise credential (with the second requirement of taking 350-401 exam) and earn the Cisco Certified Specialist — Enterprise Wireless Click Here .

The exam curriculum consists of the following:

Also, Cisco recommends having an acceptable amount of knowledge in the workings of wired & wireless networks, and a general understanding of routing and switching. Now, it’s time to know more about how to ease your preparation process.

Importance of Dumps & How to Use Them

Dumps are collections of actual exam questions with answers made available online thanks to the past test-takers. When you study the syllabus, practicing with these files at the end of each key concept you just learned is important to ensure information retention. If you are confident in your memory enough, you can start training after mastering all the required topics. In this case, don’t forget to set a limited time like it will be done on the click real exam.

The main reason to use these materials for revision is that they will give you an insight into where you struggle and what type of questions consume the most or least time. And no matter how many trial attempts you sit for, it is highly beneficial that you correct every mistake you make and learn the concepts you lack in one more time. However, before even starting your revision, make sure that the questions in the files are actual. To boost your chances to get valid dumps, download them from reliable sources like PrepAway, ExamCollection, Cisco 300-435 ENAUTO CCNP Exam Questions , and others.


To sum up, the more you practice, the more confident you become, and this will definitely raise your chances of success. Complete studying the syllabus well before the exam to have time for training with dumps. Correct all the mistakes, allocate some time to rest your mind before the test, and you will be able to ace Cisco CCNA Exam Dumps 200-301 ! As you see, the path to earning Cisco certifications is not so difficult, and the opportunity to apply for professional-level roles after gaining your CCNP can motivate you even more.

Uncategorized Editor Thu, 23 Jul 2020 02:24:59 -0400
Act Smart: Evaluate Your Level of Readiness for Microsoft 70-740 Test with the Help of Exam Dumps The Microsoft 70-740 exam is aimed at those individuals who have the job roles of installing, computing, and storing those functionalities that are available within Windows Server 2016. These specialists carry out general installation functions. They also create and manage images for deployment. The candidates for the test are required to have work experience with server and local storage solutions, such as disk and volume configuration, high availability, data deduplication, disaster recovery, and Storage Spaces Direct.

As you can see, there are many details that you should know, so let’s take a closer look at this exam.

Microsoft 70-740 Exam and Its Details

MS-900 File is a 120-minute test with about 40-60 multiple-choice questions. It is available in English, Traditional Chinese, Simplified Chinese, Portuguese (Brazil), German, French, and Japanese. The applicants are interested in demonstrating their skills in Windows Server 2016 and earning the MCSA: Windows Server 2016 certificate. The fee for the exam is $165 and the registration process should be done through Pearson VUE. You can take it at any testing center or you may choose the online proctored delivery option. You should check the official webpage to know whether this type of exam delivery is available for your particular country of residence.

Microsoft 70-740 Exam and Its Topics

This Microsoft certification test is designed to measure your skills in specific knowledge domains related to Windows Server 2016. The candidates must be adequately prepared to demonstrate their expertise in these areas. All in all, there are six topics covered under the 70-740 exam. They are as follows:

  • Installing Windows Serves in Compute & Host Environments: 10-15%;
  • Implementing Storage Solutions: 15-20%;
  • Implementing Hyper-V: 20-25%;
  • Implementing High Availability: 30-35%;
  • Implementing Windows Containers: 5-10%;
  • Monitoring & Maintaining Server Environments: 10-15%.
  • Exam-Labs Premium

You need to understand that the objectives with a higher percentage will normally have a higher number of questions than those with a lower percentage. You must have this in mind when preparing for your exam so that you know how to distribute your study time.

Microsoft 70-740 Exam and Its Preparation Options

Microsoft 70-740 is not a new test. This means that there are numerous study materials that the learners can use for their preparation process. Thus, the Microsoft Learning Platform offers a rich portfolio of resources designed to prepare you for your certification exam. You might want to start your preparation from this platform. Microsoft offers an instructor-led training course, online free training, books, and a practice test.

When preparing for any certification exam, the most effective and important training option is practice tests. Using this tool in preparation for Microsoft 70-740 will help you evaluate your level of readiness and discover your weak points so that you can work on them before the exam date. This kind of prep resources will also help you understand the possible questions that you will come across during the real Exam-Labs Website Premium and will also give you the correct answers to them.


Becoming a certified computer network specialist with a focus on Windows Server 2016 can be a difficult task if you are not ready to pass three prerequisite tests ( , 70-740, and 70-741) for earning the associate-level certification. If you have mastered the exam topics and can score at least 700 points per test, you will succeed in completing your milestone.

Uncategorized Editor Tue, 30 Jun 2020 05:59:57 -0400
How to make a personal injury claim An accident can happen to anyone at any time. This is why most people have insurance to cover them against personal injury. In case you sustain an injury as a result of the negligence of a third party or in your workplace, then you are entitled to be compensated. Personal injury compensation can be in three ways. Personal injury as a result of work-related claims, personal injury due to medical negligence, or general injury as a result of an accident. 

1. Report Accident and Get treatment 

When you are involved in an accident and you sustain an injury the first step is to ensure that you undergo a medical examination and get treated. Depending on your jurisdiction, once you get treated the medical practitioner can help you in filing a report about the accident. There are jurisdictions where the medical expert will provide everything needed to file a report of an accident. 

In case the accident happens in the workplace, it is important to file a report with the organization you are working for. The trick in reporting is that you should report the accident to authorities or individuals you believe are responsible. For instance, if you get a personal injury from medical injury, then you should report to the hospital. 

2. Determine if the injury is covered by Insurance 

When you sustain a personal injury and you have insurance cover, it is just natural to file a claim. However personal injury claim insurance policies differ. This is the reason why it is important to look at the injury you have sustained and the insurance policies involved. 

Personal injury claim compensation takes place when the third party who has caused the injury has an insurance cover. Furthermore, in case you have insurance cover against personal injury, then you can make a claim. Depending on the insurance policy, you will be viable to make a claim. It is always good to look at the insurance policy comprehensively to make sure that your injury is covered. 

3. Gather Evidence 

If the injury sustained is not fatal and you are in a position to be conscious, then you should take note about the injury. This involves the address and condition of the place where you sustained the injury. You should also have a record of the circumstances that led to the accident. This information will be important to you when making a claim for compensation. 

Furthermore, in case you incur expenses as a result of the injury, it is also recommended to keep a record of all the expenses incurred. These expenses include the cost of medication, travelling costs, and even compensation as a result of being unable to work because of the injury. 

4. Seek legal advice 

Making a claim is a legal matter and it is best to involve an expert. In case you do not know how to make a personal injury claim, you can seek legal advice. Although you will incur attorney fees, you are better placed to receive higher compensation as opposed to going to it alone. 

Most insurance companies will try to make the least payment and as a result, it is better to involve a legal expert in the whole process. You should work with a legal expert who specializes in personal injury cases instead of a jack of all trade. 

5. Lodge a Claim 

When everything is in order then you can lodge a claim for compensation. At this point, it is important to make a decision whether you want to hire a personal injury attorney or you will file the claim on your own. It is recommended to hire a personal injury lawyer to guide you through the process so as to increase the chances of receiving compensation.

You should lodge your claim by following the advice given by the legal expert. It is important to note that it is not a must to file a suit so as to get compensation. This will only be necessary if the matter is not resolved by the insurance company or a third party involved. 


It is always important to know how to file a claim for personal injury compensation. When you file a claim using the correct procedures and guidelines as provided above, you will have a better chance of getting compensated. 

Uncategorized Editor Thu, 21 May 2020 08:33:31 -0400
Important Questions That You Need to Have Answers to Pass Microsoft 98-349 Exam with Practice Tests When it comes to software development and the IT credentials, Microsoft is a leading provider among the lots. The company has developed numerous product portfolio and services that have become an integral aspect of every business. Earning a Microsoft certificate validates one’s skills and knowledge required to take up job roles within the space of Microsoft product and service solutions. There are many role-based certifications offered by this vendor and Microsoft 365 Certified: Modern Desktop Administrator Associate is one of them.

To obtain this particular certificate, an applicant will be required to pass two exams, which are Microsoft MD-100 and Microsoft Source . For the purpose of this article, the focus will be on the latter test. If you have passed the first one, the next step is to work towards the second and ace it in order to get your certification. So, why should you pursue this path in the first place? Before we go ahead to look at the reasons why you should take Microsoft 98-349 to earn your credential, let’s look at what this exam entails.

What should you know about the Microsoft 98-349 certification exam?

This Microsoft exam is designed for the professionals who want to earn the certificate. They are the administrators with the skillset in deploying, securing, managing, monitoring, and configuring client applications and devices in an enterprise environment. They also have the ability to manage policies, apps, identity, updates, and access. In addition to this, the specialists may partner with the Microsoft 365 Enterprise administrators to build and implement a device strategy that performs business requirements of modern IT firms. It is essential that the individuals are familiar with Microsoft 365 workloads and also have competence in configuring, sustaining, and developing non-Windows and Windows 10 technologies & devices.

There are specific skills that are measured in Microsoft 98-349. It is critical to understand the details of the topics that are covered in the test before attempting it in order to enhance one’s chance of success. The certification exam will evaluate the student’s competence in the following areas:

  • Managing policies & profiles: 35-40%;
  • Managing apps & data: 25-30%;
  • Developing& updating OS: 15-20%;
  • Managing & protecting devices: 15-20%.

The 98-349 test is made up of between 40 to 60 questions covering different formats, including multiplechoice, drag and drop, build list, single choice, review screen, and so on. To register for this exam, you must have the Microsoft and Pearson VUE accounts. You will also be required to pay the fee of $165. Passing this certification test requires that you develop competence in the areas mentioned above. You can do this by choosing the appropriate study materials. is a good platform to explore various resources for your preparation.

Why should you pass the Microsoft 98-349 exam and earn the associated certification?

Obtaining a certificate is the way to go when it comes to enhancing your career potential in the IT field. The Microsoft 365 Certified: Modern Desktop Administrator Associate credential is designed to give you an edge in the industry, especially if you are new to this realm and want to land a rewarding job role. In this section, we share some reasons why you should consider pursuing this Microsoft certification. Let’s take a look at them.

  • Validation and credibility

It may be a little difficult for many new IT professionals to get the job they want, given that they have no experience and there is nothing that could confirm their competence to fulfill the desired position. However, with such a certification, you gain credibility and validation of your skills and knowledge. Earning the associate-level credential is surely a great way to launch a rewarding career in the IT field.

  • Edge in the marketplace

The job market is saturated with the specialists who want to switch their jobs or take up new roles. With a certification, you will make your resume noticeable and enhance your marketability. The recruiters are looking for those professionals who have specific skills and knowledge. The best way you can validate that you have this skillset is to get any IT credential. After earning one, for example, Microsoft 365 Certified: Modern Desktop Administrator Associate, it will increase your opportunity in the job place.

  • High chance of promotion

You don’t have to wait until you are about to change job before you obtain a certificate. It is a known fact that it can accelerate your progress even in your current place of employment. According to the survey, the employees with a Microsoft credential are more likely to be promoted than their non-certified competitors. So, even if you don’t want to change your job, you should still go ahead to pursue a certification. With it, you can increase your chance of getting promoted at your current role.

What should you do to prepare for Microsoft 98-349 certification exam?

To pass Microsoft 98-349, it is important to be proficient in the concepts and components of Microsoft 365 workloads. The best way to do this is use the best resources available to sharpen your skills and knowledge. You can find these tools on the Prepaway platform. It is the top resource website that you should consider for your preparation. You can find a wide range of study materials to help you succeed. You can get video tutorials, study guides, practice tests, braindumps, and a whole lot of other resources for Microsoft 98-349 and other exams. The Microsoft Learning platform is also an important site for your preparation. As a matter of fact, you should start your learning process from this website before you proceed to other third-party platforms. The study materials from Microsoft will guide you in the right direction and Prepaway will strengthen the skill set you gain.


Finally, it is very important to dedicate enough time to taking practice tests while preparing for the real exam. You need to understand the pattern of the questions, and the best way to get a clear idea is exactly through this type of prep tools. Prepaway has a comprehensive study package that includes many practice questions that guarantee your success in Microsoft 98-349. Take time to go through all the resources and get ready to ace your certification test at the first attempt.

Uncategorized Editor Wed, 11 Mar 2020 03:36:24 -0400
How to Improve Staff Retention In 2020 As we enter a new year, you likely have new goals for your business and for your workforce. With 2020 fast approaching, it’s important to look at how you can continue to build on your company’s culture and community. This often comes down to staff retention, and how it can be improved.

Retaining your staff can be critical as many companies compete for the best staff in the industry, especially if you are in a crowded market. Staff retention can result in a number of benefits for the business, including better productivity and organisation and high employee morale; all because you have a stable and experienced team in place.

Businesses have the opportunity to build a team of people who truly want to be there and who are focused on contributing to the company’s success. With that in mind, Attic Recruitment take a look at some of the best ways to improve staff retention.

Retention starts from recruitment

Good staff retention starts at the very beginning of the process; recruitment. It’s important that you are hiring people who represent the culture and strategy at the heart of your business. When recruiting for staff at any level, look at the long game.

Consider hiring candidates who have a proven record of staying in jobs for a good length of time; those who jump around could be a cause for concern if you are trying to build a high retention rate.

Ask the right questions in your interview process and learn more about the candidate’s professional and personal background.

Ongoing opportunities

It is important that once you have hired your staff, you are able to offer them a clear progression path. Ongoing opportunities, education and training are key to keeping staff on board. Invest in them and find ways of promoting from within, as this can make employees feel valued.

Whether you invest in training programmes, send staff to conferences or offer courses to help progression, you need to show that you are interested in their professional development. This can help staff get even more out of their job.

Employee benefits and perks

Employee benefits can go a long way, no matter how small the perks may be. In a modern world where remote working and flexibility is more common than ever before, consider ways you can give your staff a better work-life balance.

Other benefits can include the likes of incentives, performance goals and flexibility to ensure your staff feel more engaged and happy in their job; and less likely to leave.

Being open and honest

No matter how big or small the company is, it’s important to be honest with your staff and create a sense of community. This can help to drive a shared purpose within the business to both succeed and to tackle problems as a team.

If your staff feel equal in their ambition to drive the company forward, this can be a huge step in boosting morale in the workplace. What’s more, open-door policies and encouraging staff to ask questions and speak frankly, when necessary, can ensure your employees feel as though their input is being heard and being valued.

Uncategorized Editor Fri, 20 Dec 2019 04:38:00 -0500
Safe Replacements to Asbestos

Asbestos spread very quickly throughout the UK, developing as one of the country’s top building materials due to its durability and insulating properties effectively. However, many people have stopped using them simply because they are known to cause a respiratory disease called Asbestosis. It is regarded as a chronic, serious and non-cancerous respiratory disease. It is caused when one inhales asbestos as the lung tissue scar because of aggravation by the fibres.

Over the years, the use of asbestos has reduced greatly because of the health and environment risks that have been linked with it. The innovation of new technologies to replace them has taken and people have come up with alternatives that are considered safe. These new alternatives include;

What are the new alternatives to asbestos?

Cellulose fibres

This is an alternative to asbestos use that is very popular. The cellulose fibres are created from shredded newsprint that has been finely and chemically treated for increased fire resistance levels. It is mainly composed of 5% content that is recycled which makes a good alternative for environmental conservation. It is known to reduce the energy costs by a 30% average in a year.

Polyurethane foam

This is a spray product that is mainly used in materials for roofing like insulation. The foam typically combines plastic and rubber qualities that are the best. The bubbles that get trapped in the polyurethane foam create a heat conductor that is poor and therefore, offers quality and excellent heat resistant.

Thermoset plastic flour

Wood flour and other cheap fillers are used to fill the thermoset plastics. This provides good insulation and strength balance. The cheap cost of use for this alternative makes an ideal method in the construction industry. It can also be used as a replacement to asbestos for insulation of heat, cold and sound.

Flour fillers

This alternative material uses natural resources to make a filler for cracks which is helpful in natural insulation. The materials can include flour, rice flour and ash, wheat flour and pecan shell which are all obtained from natural sources. It is considered a green alternative as it doesn’t present any harmful hazards.

Amorphous silica Fabrics

There are high-temperature materials that are utilised for insulation and protection industries. They are preferred for use in shipyards, aerospace and electrical industries. In these industries, the fabrics have replaced similar products that used to contain asbestos.

Asbestos survey

This is simply a visual inspection of any property. Samples of materials suspected to have asbestos are taken by a surveyor and taken to a lab for testing. The asbestos survey is done to determine the presence or absence of asbestos fibres in these materials. An asbestos survey is mainly done as a normal routine in real estate business that may include demolition or renovation.

The alternative materials for asbestos are readily available. It is important for people to utilise them in an effort to conserve the environment as well as reduce health risks to themselves.

Uncategorized Editor Mon, 11 Nov 2019 06:44:22 -0500
Everything You Need to Know About Hand Held Heat Sealers Heat sealers have a really important job to do. They are responsible for ensuring that products are stored securely and safely. Heat sealers work by applying heat to thermoplastic material to seal it closed, protecting the goods inside from external sources. For example, heat sealing is one method of preventing corrosion. There are different types of heat sealers available on the market; depending on what you are sealing, how quickly you need to do it and where you will be undertaking this part of the process will determine which sealing device is right for you. Here we're going to be exploring a little bit more about handheld sealers and the role they play in product packaging.

What type of heat sealers are available?

Hand held heat sealers can be from the impulse family of heat sealers or the constant family. The difference between the two is in how the energy is supplied to the jaw. Impulse handheld sealers will issue electricity to the jaw when activated, heating the material that needs sealing and then immediately cooling, whilst the heat with a constant handheld sealer is continuously on for as long as it’s switched on. Despite the high temperatures, handheld heat sealers are safe to use - if unsure about the transfer of heat, check the specifications for the type you invest in.

Choosing the right sealer for your needs

Hand held sealers are ideal for small businesses, whether you work from home, your garage or you have an office. The machine can manage a whole variety of materials including polyurethane, polypropylene and PVC films; basically any barrier foil which hermetically seals the product. Don’t let the name fool you, handheld heat sealers are available in a variety of sizes (jaw length) and can be adjusted with the turn of a dial. In addition, this type of sealer is not resource-intensive either, requiring only one person to operate. Thanks to the handheld nature of the device, it can be passed around between colleagues for use as and when required, which can help with keeping costs down. Due to their flexibility, hand held heat sealers are also referred to as portable heat sealers.

Packaging requirement

Hand held heat sealers can really help to 'up' your packaging game. If you're looking for a convenient, lightweight, space-saving packaging solution, hand held heat sealers are the answer. Stand up pouches are increasingly being used as the packaging of choice; they can be filled easily and look attractive on a shelf. Hand held heat sealers can be used to create the pouch and for an added aesthetic touch, the packaging can be crimped. Some hand held heat sealers on the market allow for personalisation in the seal shapes.

Vacuum sealing is a type of heat sealing that can also be undertaken using a portable device. Vacuum sealing is popular in the food industry and for home cooks as it offers all the benefits of heat sealing – it prevents contamination, is easy to store, and allows you to reseal the package!

Start small….

Hand held heat sealers are a great option as a first sealer for your business. Staff not familiar with machinery can be confident in using them as they are simple to operate, requiring just a power socket to get the process underway. Also, the portability of hand held sealers allows for the sealing to happen at source, no need to move products around, and the sealer can be taken where needed. The machines can seal all sizes of packaging as well as having the ability to work around the shape of your product.

Packaging has been made easier with hand held heat sealers. They can be used with any product and are ideal for goods that need to be hermetically sealed.

Uncategorized Editor Fri, 08 Nov 2019 08:41:34 -0500
Beginner’s Guide to Different Types of Broadband Connections Finding the right broadband deal is often anything but simple. While you might think that it’s as easy as finding the best price, often this can leave you with a slow download speed, constricting usage limits or a contract that’s far more difficult to get out of than it should be.

Price aside, there’s also the multitude of connection types to consider, each of which will be able to support different download speeds and browsing capabilities. As your broadband connection should meet your specific needs, you will need to consider which type will be most suitable for you and what you use the internet for. This way you can avoid the hassle of either overpaying, or finding that your monthly allowance restricts your household usage.

Which Type of Broadband Connecting Is Best?

Currently, broadband accounts for nearly all domestic internet connections in the UK, with OSN figures revealing that broadband accounts for 98% of connections. With around 99% of adults using the internet daily, often to stream videos of play games online, it’s safe to say that our appetite for data has increased exponentially.

Whether you are a keen gamer or someone who simply enjoys streaming their favourite movies and TV shows, the big question which type of connection will be best suited to meet your needs?

Superfast Broadband

Fibre-optic broadband is quickly becoming the most common type of connection. Using fibre optics rather than traditional copper wires, this type of connection can support far greater internet speeds which won’t be at risk of slowing down over long distance in the same way as a traditional broadband connection.

This is because a standard ADSL connection speed can vary depending on your location’s proximity to the exchange, something that you do not have to worry about with a superfast fibre optic connection.

Generally speaking, a superfast fibre optic connection is best for a household with multiple occupants, otherwise you will likely be overpaying for an internet connection that you won’t fully utilise.

ADSL Broadband

ADSL connections remain the most popular type of internet connection for the time being, due to how long they have been around for. While this type of broadband connection is unlikely to offer you the fastest speeds, it is by no means slow and offers a perfectly acceptable and reliable service. Unlike fibre broadband, ADLS uses copper wires connected to the local telephone exchange to deliver you your connection. While it does make use of your home’s telephone connection, ADSL should not be confused with the now-defunct dial-up broadband.  

Because it does use copper wires though, it is worth checking that speeds you can expect in your location as it may not be the same as the one advertised by the service provider. This is because copper wires cannot support the signal speed over long distances, causing them to drop if you do not live near a telephone exchange.

Ultrafast Broadband

Currently the least widely adopted form of connection, it is estimated that by the end of next year, over 3 million homes will have switched over to a superfast broadband connection as our demand for data continues to grow. While the speed of this type of connection will likely be reflected in the price of contracts, it will likely be a justified cost for many.

Ultrafast broadband promises to do away with the need for copper wiring, instead using fibre optic cables to directly connect your household to the nearest telephone exchange.

Uncategorized Editor Wed, 06 Nov 2019 01:29:13 -0500
5 Important Signs You Need Relationship Counselling

Marriage isn’t a bed of roses, but it could be a fulfilling experience when you and your partner have the right approach to challenges. A beautiful union could very well spiral out of control if issues are swept under the carpet unresolved.

Is it time to throw in the towel? It’s rather time to get your hands dirty and put in some work. A healthy relationship in marriage demands the joint effort and commitment of both partners. So, it’s better to go the extra mile to resolve any nagging issue.

There are several signs that shouldn’t be taken for granted, which is a cue that couples counselling is necessary. It could be frightening to realize that you need help via marriage counselling, but it may lead to a lasting solution.

Each partner in a marriage comes along with different values, beliefs, aspirations, family orientation, and personality quirks to the relationship. Hence, a merging of these two distinct personalities could be fireworks or things may likely go south in the absence of intervention.

There isn’t the best time to seek help but more often than not, marriage counselling for couples comes into play when the relationship is on the brink of collapse.

But there’s good news! There are signals to watch out for which can prevent your relationship from hitting the rocks.

Five indicative signs for  relationship counselling

  1. Recurrent issue: You need a private counselling session when you’re always confronted with a particular challenge that keeps lingering overtime and threatens the health of your relationship. For instance, drug addiction, gambling, alcoholism. You stand the chance to build a stronger and more intimate relationship when an issue is addressed from a neutral perspective.
  2. Poor communication: When you have a breakdown in communication with your partner, it’s advisable to seek marriage counselling. Sometimes, depression may set in because of the harsh realities of life and it could be impossible to discuss with your partner. Indulging in silent treatment or yelling at each other over the slightest issue worsens the problem.
  3. Sexual intimacy: Some couples have lost the sexual chemistry and they don’t feel sparks in the bedroom anymore. Do you live with your partner as roommates? It’s wrong to regard such circumstances as normal which is living in denial of the truth.
  4. Broken trust: Do you feel your partner isn’t reliable and trustworthy? If you suspect your partner is lying and or sneaky, then it’s possibly because of infidelity. Cheating comes in different forms and expressions.
  5. Life change: The experience of a major life change can alter the course of events in any marriage. You should seek relationship counselling to address any unresolved adjustments after the birth of a child, death of a loved one, retirement, a new job, or changing homes.

Relationship counselling strengthens the bond between partners and increases peaceful coexistence. It also enhances the communication lines between you and your partner, so you feel heard and understood. If you are looking for relationship counselling online, here at Mental Wellness Counselling, we have been providing private counselling in Peterborough for many years and has helped many homes from crashing; we believe having counselling can benefit you to develop the strength to manage your mental health problems, and to gain courage to overcome your relationship issues, and recover your confidence for a better life.

We hope you enjoy reading the post, if you have any questions or want to find out more about private counselling, please get in touch, we are always happy to help.

Uncategorized Editor Tue, 29 Oct 2019 06:22:16 -0400
Having Trouble Finding A Good Florist? Look No More! Do you know the different ways you can make somebody feel special? Flowers are one of the most basic yet the most beautiful gestures of love and care. A bouquet will make anybody smile no matter what kind of a day they had. A flower to the one person who is unique to you will make his or her day. A flower is a sign of trust, friendship, and love, and it is the best gift you can give to another. Why look for other materialistic gifts when a fresh flower will do the job? Find the perfect flowers and gift them today! Make the best use of the fantastic International flower delivery company now!

Flourishing Florists Around You!

You will not have any trouble anymore with finding the right flowers once you find the right florist. FloraQueen is the perfect florist for you if you are looking for a bunch of unique and quality flowers at affordable rates. Let your particular person feel the best and most loved in the world by sending him or her some of the most beautiful flowers as a gift. Why settle for a typical and clichéd gift like expensive jewelry or a trip to the Bahamas when you can make it simple but the sweetest by sending her a beautiful bouquet of birthday flowers from the top florist? Head over to, and you will find there is a section entirely dedicated to birthday flower bouquets from where you can choose. 

Each bouquet has a special and unique name given to it too that brings freshness and charm itself. These bouquets are made with a massive heart of love that your partner will feel your love from any corner of the world. Choose from the wide variety of colorful and beautiful flowers for your favorite person today! 

The Most Trusted Service For Flower Deliveries!

FloraQueen is probably one of the most used florist companies in the world today. With top-class services and amazing quality flowers, it has reached the hearts of millions of people. The company is infamously known as Flora queen - international flower delivery service for its outstanding delivery services. The flowers reach the destination in the best condition as if they have just been pluck from the gardens! Flora Queen makes use of some of the most premium plant services, choosing the best set of flowers of one-of-a-kind quality to let you transfer the love and affection to your family and friends. 

Touch Hearts With Flowers! 

You can now reach your loved one from one corner of the world to the other through the simple yet loving gesture of gifting flowers. Surprise your parents with a huge bouquet of love and care with Flora Queen. You don’t need an occasion to make your family feel good, shower them with your love, call up or place your order at Flora Queen today and let them pack and deliver your heart in these flowers that you choose for them! 

Uncategorized Editor Thu, 05 Sep 2019 07:57:44 -0400
Hydro Ottawa Power Outage, Rates and Login With the emergence of alternative power solutions, the industrial and technological revolution that we’re in has greatly affected how people get their electricity, and even how some companies are able to provide electricity to those who are needing service. While in the past, it started out that major companies strived more than others, the emergence of local agencies often called co-ops have been able to help bring more people together, as well as increase the economy in numerous ways. One such company that did this is called Hydro Ottawa, and they’re making waves when it comes to the best of them out there.

How Long Has Hydro Ottawa?

Hydro Ottawa was actually one of five different major electric co-ops in the Ottawa area, and they all decided to work together in 2000. They later on acquired a 6th member to their merger, and by doing so, they were able to provide power as a central powerhouse to the entire community of Ottawa, and other surrounding cities, making it one of the largest electric companies that is strictly local to the area.

New Age Technology

With the breaking dawn of new innovative technology like hybrid cars, smart phones and speakers, and renewable energy, Hydro Ottawa wasn’t the first to jump on this and realized its potential to help their customers successfully be able to know what’s going on with their account, as well as have some custom services that most other companies don’t offer. For example, you can actually have the electrical company install a charger port for your home that you can use to save power and charge your hybrid vehicle, as well as download a smart skill for your Amazon Alexa, Google, or Apple products that gives you a lot of statistics about your account, usage, and more.

They’ve also been a major source of helping people to choose and install renewable solar energy into their homes to help the environment, as well as help all of their customers. Should you decide to go with solar power and not go off-grid, you can save a lot on electricity costs, and even get a cutback credit to your account by sharing with the grid to provide other people renewable energy as well. This is a great way to help others out too, because not everyone has renewable energy, and this makes it so that less natural resources are being used by the power plants just to make that precious electricity that many people need to thrive in today’s busy and well-lit world.


If you live in the area of Ottawa and like the ability to be somewhat self-reliable like most of us, you can choose them as your primary electricity company to get your life lit up! They even offer numerous advice columns and tips to help you lower your electricity, or even your other utility costs, and even have teams that are in place to help you keep your power lines clear, and even offer weatherization services to ensure that your home is being well-kept so you can have the lowest energy bills possible.

Uncategorized Editor Fri, 23 Aug 2019 06:17:21 -0400
Top 7 Accounting TipsĀ for your Small Businesses For any small and medium-sized, the accounting function can be tedious and time-consuming.  If you own a business, it is one of the functions you should pay attention to because it is an important aspect of managing your business. Failing to manage your accounts - including receivables, debt, taxes, and expenses - correctly could cause your business to fail. Applying simple bookkeeping strategies can put your business on the path to success. Here are 7 tips on good accounting practices that your business should embrace for faster business growth:

1. Get someone to provide accounting or book-keeping services

While most small business owners consider themselves fit to head sales, marketing, and accounting functions to cut costs, it helps to get a book-keeper to do accounting. This is critical in ensuring that financial errors that could affect your business are captured early. At the same time, it is relaxing for business owners when a person who has accounting knowledge and experience in handling their books of accounts. For starters, consider hiring a freelancer or on part-time so you don't have to pay a full-time allowance for the services. Where resources allow, you may outsource accounting services to credible firms such as TW Accounting Services. Alternatively, you can get accounting software that allows you to crunch your numbers. 

2. Separate personal accounts from business accounts

While the law does not require business owners to have separate bank accounts, it is advisable not to mix personal funds with money for the business to facilitate tracking of business transactions. When you have a dedicated bank account for your business, you are able to account for every business transaction, even when receipts get misplaced. You can also tell the exact balances in your business account so you avoid overspending. Instead of paying expenses in cash, consider using electronic transfers so you have proof of transaction and reduce dependence on receipts.  

3. Have your bank account reconciled every month

Every month end, ensure that your business accounts are reconciled. If your business has a high number of transactions, consider conducting this exercise more frequently. Reconciling your bank accounts ensures that your accounts are up-to-date and do not get out of control as the business grows. Bank reconciliation also helps in identifying data entry flaws and track any missing transactions. When your financial statements are accurate and your tax reporting is updated, you can be able to monitor how your business is progressing. Bank reconciliation does not have a difficult exercise, have your book-keeper or accountant develop a system that works well for your business. If your budget allows, consider getting an accounting software with features such as daily bank feeds that make bank reconciliation easier and faster.

4. Put 25% of your revenue in a separate, interest-earning account

Setting up a separate account enables you to 'hide' some funds from the day-to-day financial ongoing in a place that is not easy to access. Consider putting at least 25% of your revenue in a separate interest-earning accounts. This helps you manage cash flow and ensures that your business has funds to take care of tax installments when the need arises. This enables you to avoid hefty fines due to non-payment and allows you to earn some income from interest while you are at it.

To get an account that offers good interest rates, build rapport with your bank so they can help you identify a banking product that suits your needs. Identify a specialist business banker to work with you in finding financial solutions that are ideal for your kind of business. Such a business banker will be able to advise and assist you in getting better interest rates, lower bank fees, better loan terms and facilitate long-term financial planning and visioning.

5. Track monthly expenses and income

You can identify areas that are doing well and those that need to be improved in your business by tracking your expenses and incomes using profit and loss statements. For instance, if you realize that your internet or mobile charges are increasing, you can negotiate for better deals with your service providers. You can replicate this with your main suppliers when you have the information. At the same time, maintaining a cash flow statement can give you a broader view of your business expenses and incomes so you see seasonal trends and payment cycles.

Tracking your cash flow trends also allows you to take note of money flow timings in and out of your business. Watching these trends provides insights on times when your business will need more cash and when it will need less cash.  For instance, you may notice that every year, all your business insurance payments fall due around the same time. This can drain your business cash flow if it comes at a time when income levels are low. However, turning your cash flow statement into a planning tool, you can ensure that your business has sufficient funds set aside to take care of such bills.

6. Always prepare a budget

Planning your finances is critical to the success of your business because it ensures that your money is spent prudently. A budget enables you to manage and plan the performance of your business finances. When you compare your budget to actual income and expenditure, you will be able to see where you can save money and where leakages are happening. Ideally, your business budget should enable you to monitor the trends in your industry and seize business opportunities, react to budget shortfalls immediately so you can address budget excesses and develop broader plans with respect to purchase of assets, investments, and employment of more staff.

7. Send invoices to customers promptly

Always send invoices to your customers promptly - most preferably weekly. This is important because the faster you send invoices, the quicker payment will be made. To ensure that this works for your business, consider streamlining your invoicing process so that it is accurate and that invoicing is done on a regular basis. Sending invoices out regularly also enables you to manage your cash flow and lessens the stress of managing your business. Ensure that all the details that your customers require are on the invoice, especially the purchase order number. Address it to the correct person and be sure to include your payment details on each invoice.

Uncategorized Editor Sat, 17 Aug 2019 06:18:59 -0400
Payroll Taxes in the UK - An Entrepreneur’s Guide Not only have you managed to launch your own business, but you’ve also started making your first hires.

Congratulations! That’s a huge step for any fledgling company.

Taking the next step, from being a one-man-band, to becoming a team does bring certain requirements and responsibilities with it.

Some of these will be more straightforward such as, adapting your workspace, or introducing online team-management software.

However, one of the most important, and perhaps more complex areas relates to the payment of salaries.

Salary is normally high up the list (or at the top) of priorities for new employees, and they will almost certainly expect to be paid in a timely and accurate fashion with all relevant taxes accounted for.

For those entrepreneur’s with little financial background, this can be daunting, but this guide to payroll taxes in the UK should help clarify some of the key aspects.

Read on for more.

PAYE: Pay As You Earn

PAYE (Pay As You Earn) is the method for ensuring your employees pay the right amount of income tax and National Insurance.

With PAYE, tax and National Insurance is deducted from pay packets before they’re issued, so each employee receives a net amount and doesn’t have to pay any further tax on that income.

PAYE is very much universal – you’ll see businesses of all sizes using it as part of their payroll systems.

National Insurance

The principal tax associated with payroll is National Insurance or NI.

NI is the contribution that workers make towards certain state benefits. If you had a job before starting your own business, you’ll have probably paid National Insurance as an employee.

Do note, though, there are different rules for self-employed freelancers – so it is well worth getting up-to-speed. The employee’s contribution is deducted by the employer, from their salary, while the employer’s contribution is an additional cost to the business.

The NI that employees pay depends on their employment status and earnings, as well as whether they have any gaps in their National Insurance record.

At present, an employee’s NI is charged at a rate of 12% or 2% dependent on level of earnings, and employers’ NICs are charged at the rate of 13.8% of the gross salary paid to the employee.

Sound a little complicated? Well, it is manageable, but most business owners find automated PAYE software or use of a small-business specialist accountant preferable to managing their own payroll taxes.

Income tax

Another key tax related to payroll is Income Tax, which is the tax paid on the money earned from employment.

The rate you pay increases as you earn more, although most people have an annual, tax-free allowance.

NB: When managing income tax through PAYE, you should consider every employee’s salary or wages, as well as tips, bonuses, sick pay, or maternity pay.

Other deductions

This isn’t a tax but is something that should be managed as an employer through PAYE.

Firstly, let’s look at student loans.

Students going to university can borrow money from the Government to cover university tuition fees and to help with living costs at university. 

When they finish their course and start working as soon as they earn over a specific threshold, they need to start repaying their student loan and this is paid by the employee as a payroll deduction from gross pay.

Secondly: Pensions.

As a UK based employer, the company must have an auto-enrolment pension scheme in place should its employees wish to join or not (they will be automatically opted in but have the option to opt-out).

Managing PAYE

You need to use PAYE if any of your employees earn in excess of £116 per week, claim expenses or receive employee benefits, or receive pension contributions from you.

Even if you don’t need to use PAYE but you do employ people, you need to be keeping payroll records in any case.

To find out how much income tax to deduct from each employee, you’ll need to know their tax code. The Government has an online tool for finding out an employee’s tax code. This process is slicker if you have their P45 (issued by their previous employer, if they had one).

National Insurance works a little differently, but also uses a code-based system.

Enter each employee’s tax and NI codes into your payroll software, or provide them to your accountant, and the appropriate deductions will be made.

Over the years, we often see business owners making these mistakes with PAYE:

  • Adjustments – not calculating changes in pay, such as pay rises, bonuses or overtime
  • Incorrect details – not outlining expenses, sick pay and pension payments
  • Tax codes – using the wrong codes for employees
  • Employees leaving – forgetting to take them off the payroll.

If you can navigate these pitfalls, your life – and the lives of your staff – will run much more smoothly with regard to HMRC.

If the above all sounds too much – reach out for specialist support from a small-business accountant.

Payroll Taxes in the UK - An Entrepreneur’s Guide

Watching your business grow is exciting and adding to your staff is one of the most thrilling aspects of this.

We admit, it doesn’t come without additional work – and some worry.

However, if you can stay on top of PAYE, as detailed above, you’ll be alright.

Once again – if you’re at all concerned, reach out to a small-business accountancy firm such as Howlader and Co. They can talk you through the requirements in greater detail and set out a plan for managing payroll taxes on your own, or with their support.

Good luck!

Uncategorized Editor Mon, 01 Jul 2019 12:13:30 -0400
Spouse and British Partner Can Use the Government Home Help Scheme I was asked very recently by a migrant on a Tier 2 General – further leave to remain; “would a settlement application be refused, on the grounds that the Government Home Help Scheme was used to buy “their” (including British Partner) UK first home?”

My advice “No”

And here are the reasons why; The Government Home Help Scheme works and will not affect your spouse’s settlement application;

The Scheme Rules came into effect from 9 November 2016, to help first time Home buyers. By allowing them to place saving into a ISA; a “Individual Savings Account”.

The Spouse, Tier 2 General migrant and British Partner can open an account with any bank, building society or credit union that offers a Help to Buy: ISA accounts.

You both need to be a first time buyer and the property you both are purchasing needs to cost less than the house price cap of £250,000 or less (or £450,000 or less in London).

You’ll be able to open a Help to Buy: ISA until 30 November 2019. After that date they won’t be available to new savers anymore – but if you opened your Help to Buy: ISA before then you can keep saving into your account until 30 November 2029 when accounts will close to additional contributions.

You must claim your bonus by 1 December 2030.

So is the Spouse and British National eligible under the Government Home Help Scheme?

To qualify for a Help to Buy: ISA you must:

  • be 16 or over

  • have a valid National Insurance number

  • be a UK resident or (a) though not resident in the United Kingdom, have general
    earnings from overseas Crown employment subject to United
    Kingdom tax within the meaning given by section 28 of the
    Income Tax (Earnings and Pensions) Act 2003, or
    (b) though not resident in the United Kingdom, are married to or in
    a civil partnership with a person mentioned in paragraph
    (a) above;

  • be a first time buyer, and not own a property anywhere in the world

  • not have another active cash ISA in the same tax year: If you have opened a cash ISA this tax year, you can open a Help to Buy: ISA but will have to take additional steps.

This rule defines clearly that Spouses and common law partners, civil partners can apply under the scheme, without their immigration status being affected.

The Immigration Directorate Instruction Family Migration: Appendix FM Section 1.7 Appendix Armed Forces  Financial Requirement

August 2017, does not list the Government Home Help Scheme as a benefits or allowances in the UK.

benefits or allowances in the UK are;

• Carer’s Allowance.

• Disability Living Allowance.

• Severe Disablement Allowance.

• Industrial Injuries Disablement Benefit.

• Attendance Allowance.

• Personal Independence Payment.

• Armed Forces Independence Payment or Guaranteed Income Payment under the Armed Forces Compensation Scheme.

• Constant Attendance Allowance, Mobility Supplement or War Disablement Pension under the War Pensions Scheme.

• Police Injury Pension.

The above factors confirm that the Tier 2 General migrant, spouse nor civil partner will lose the right to settle as an applicant under the Government Home Buyers Scheme.

If your immigration status has been affected by the Government Home Buyers Scheme contact me today…on …… 01634 828288.

Alternatively, if you are in the UK on a immigration status prior to settlement and have been under the Government Home Buyer Scheme, let me know..on 01634 828288, better still email me on

Uncategorized Editor Mon, 24 Jun 2019 23:58:24 -0400
11 Common Leadership Myths You Should Never Believe C:\Users\Edwin\Pictures\shutterstock_141035512_2.jpg

There is so much misconception about leadership. Some of these misconceptions are about what leadership is, who can lead, personalities of people better suited to be leaders, and so on.

It is so widespread that, for the uninformed, it is easy to believe and act on these myths in their leadership capacities. Even worse, these myths appear to be validated by statistics out there.

In this article, you will discover eleven of such myths you’ve probably believed and allowed to drive your leadership philosophy and actions. You will also get to know to why they are false and why should not believe them anymore.

1. Leaders are born not made

The biggest and most common leadership myth of all is that some people are born to be leaders while others are not.

To debunk this myth is easy. Ask yourself, what do leaders do and what does it take to do the things they do?

  • Leaders articulate a vision – it takes the ability to reflect and think.

  • Leaders communicate their vision – it takes communication skills.

  • Leaders set goals – it takes thinking and analytical skills.

  • Leaders create and empower teams – it takes communication skills.

  • Leaders facilitate meetings - It takes thinking and analytical skills.

  • Leaders make decisions – it takes decision-making skills.

Just to mention a few. These are skills anyone can learn. So, the belief that leaders are born is clearly a myth. Leadership is a skill, not a genetic talent.

2. To excel in leadership, you must be charismatic

This particular leadership myth is made popular by movies and the mass media’s insatiable appetite for celebrity leaders.

Charisma is never a leadership prerequisite. For instance, charisma is useless when you are leading people on a mission that all of you might never return alive.

To further lend credence to the fact that charisma is not a core leadership requirement, Jim Collins writes in his groundbreaking book that took five years of painstaking research, Good to Great, “We were surprised, shocked really, to discover the type of leadership required for turning a good company into a great one. Compared to high-profile leaders with big personalities who make headlines and become celebrities, the good-to-great leaders seem to have come from Mars. Self-effacing, quiet, reserved, even shy – these leaders are a paradoxical blend of personal humility and professional will. They are more like Lincoln and Socrates than Patton or Caesar.”

3. Extroverts are better leaders

Many people think that the outgoing nature of some people make them better leaders than people who are shy and withdrawn.  Nothing could be further from the truth.

As discovered by Jim Collins above, introvert leaders even did better than their extrovert counterparts in the study Collins and his team carried out.

People who are better leaders have better character, are competent in their subject areas, and make many good decisions – temperament or disposition is not part of the equation.

4. Leadership is commanding and controlling people

This particular myth is fueled by people’s misconception of the military’s mode of operation.

Many people think leadership involves sitting at an elevated seat dishing out edicts and commands that must be carried out without question.

On the contrary, leaders take inputs from others, seek information, ask questions, carry others along, illicit cooperation, and get buy-in before deciding on the next course of action.

5. Leaders are superior to the people they lead

This leadership myth in entrenched in many power structures across many organizations. A look at their organization charts tells the story.

This “boss mentality” sees the led as subordinates who must carry out what they say without question. But in reality, this is not the case. The real power lies with the people you serve.

True leaders see themselves as first among equals.

6. Men are better leaders than women

This is another version of leaders are born myth. Genetics or gender has nothing to do with your ability to lead.

Leadership is a skill which means that it can be learned.  As the leadership training firm, Mantle NZ puts it, “To develop as a leader and as a person, we need to be active learners. This involves recognising when new behaviours, skills or attitudes are needed and accepting responsibility for developing them.”

Simply because majority of people in leadership position are men doesn’t mean they are better leaders than women.

There are women in different industries and professions who are better leaders than men, just as there are men in many professions who are better leaders than women.

7. Great leaders don’t fail

This is another leadership myth popularized by popular action movies – heroes never fail or die.

Leaders are normal humans that are bound to fail.

History is replete with great leaders who failed woefully before they finally succeeded. Abraham Lincoln is a prime example; his failures are well documented in the annals of history.

8. It is the leader’s job to come up with ideas, answers, and solutions

Many people erroneously view leaders as all-knowing magicians who have answers to everything.

As a matter of fact, leaders don’t usually know the answers. They often discover the answers by tapping into the collective knowledge of their team.

They are more of Socratic moderators than a Delphic Oracle.

9. You must reach a certain age before you can become a leader

Young people are often stereotyped as not yet old enough to be leaders.

As a result, many young people accept that they have to get to a certain age before they can start or lead an organization or movement.

But it is not supposed to be so, because age doesn’t determine if someone can lead or not. No one expects an eleven-year old to lead a Fortune 500 organization, but he or she can lead in his class at school.

Alexander the Great was 20 when he became king. Mark Zuckerberg is in his early 30s and he leads a multi-billion dollar firm.  

10. People in leadership positions are leaders

Another misconception about leadership is the belief that a position or title makes a leader.

Unknown to many people, those occupying leadership positions in different organizations and entities may have made it there through manipulation or appointed nepotically. The title or position doesn’t hand leadership qualities to them.

In an organization, leaders can be found on the ground floor just as they can be found in the executive suite.

True leadership is earned through hard work, character, continuous learning, everyday improvement, and persistence.

11. Leaders don’t have to work; they just delegate

This leadership myth is another brand of “the boss” mentality. Many people see leaders as people who don’t get their hands dirty with work, all they do is delegate and allow their followers to do the “dirty” work.

But true leaders lead from the front; they lead by example. Sure, they delegate, but that’s because they can’t do everything not because they don’t have to do anything.

There goes the eleven most widespread myths of leadership, which of them have you been believing all along? It’s time to banish them and follow timeless truths so you can become the great leader you can be.

Uncategorized Editor Thu, 07 Mar 2019 05:35:03 -0500
5 Essentials For Kitting Out A New Office So, you have just moved into a new office and all your employees are motivated and happy, but there’s something missing…décor. Decorating your office is one of the most exciting parts of moving, despite how stressful you might find it. Not only does it make your office look great and professional for all your clients and staff, but having a nice, comfortable place to work in will make your employees more productive – which is what every CEO wants, right? But, hey, we understand that this all has to fit under your budget, so to get started, here are 5 essentials you should have to kit out your new office!

  1. Recycled furniture

Your office needs furniture – that’s a given. However, just because you’re on a budget, doesn’t mean that you can’t have nice furniture. In fact, it means just the opposite. With companies like Coggin Group, you can buy recycled furniture for a low price which is in great condition – almost as if you were buying it brand new. They offer all sorts of pieces from sofas, to desk chairs, to storage. Ensuring your employees have a good chair to sit on when working and a place to relax when taking a break is important for the success of your business.

  1. Break Room Items

If you have space, it is nice to have a room which isn’t related to work one bit. You and your staff need somewhere to relax, take a breather from work and chill out with colleagues. Having a room with a few magazines, drinks (non-alcoholic, of course), maybe some games and a sofa is a great way to not only making your staff feel appreciated and comfortable but is also a nice place for any clients to wait before meetings.

  1. Quick Internet

Having a super, speedy internet connecting is essential for your office. Obviously, it depends on different types of companies, but in this day and age, the internet is used all the time and having a slow connection not only frustrates people, but it means you won’t be able to get as much done during the workday. This should ultimately be a top priority before getting everyone settled in.

  1. Whiteboards

This may seem different now that we do everything digitally, but sometimes all you and your team needs is a little break from technology. If you find that you have a lot of meetings within your business, then sometimes it’s good to have a brainstorm on whiteboards which everyone can contribute towards. It’s a lot more interactive and allows everyone to see the plan in detail and work together.

  1. Good Lighting

Hopefully, before finding a new office, you thought about natural lighting. Obviously, you wouldn’t want to work in dim areas and you definitely don’t want your staff to either. If there are corners which can get relatively dark during the day (specifically throughout winter), make sure you invest in a few lamps and bright light bulbs to ensure that your staff are always working under good lighting conditions. Working under dim lights not only can affect the overall mood in the office but can be very uncomfortable and strain your eyes. Having natural light can motivate people and enable them to work more productively which is the ultimate aim for your company, right?

It might take a while for your office to look the way you envision it to look, but you can start by making it comfortable for your staff. Being in a new office is exciting, but you have to make sure that it is in good condition for your staff and clients. Once that’s done, you can think about decorating it more as time goes on.  

Uncategorized Editor Wed, 30 Jan 2019 03:51:47 -0500