Given the current economic uncertainties, looking for ways to keep costs in check has never been more important. One area where savings can be made is insurance, regardless of what kind of business you’re in.

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With motor insurance generally on the rise, if you’re in the motor trading business, it’s even more important to make sure you’re getting the best insurance deal. Here are five useful tips to consider.

1. Review your business activities

Your business may have evolved since you last renewed your policy, and changes in business activity may have a significant effect on your premiums. What types of vehicles have you worked on or with since your last insurance review? Have they changed? How many drivers do you have? Can you restrict your driver insurance to named persons only?

2. Review your business insurance requirements

The number of vehicles and drivers may have changed enough that you might have to significantly change the cover you need. Organise a meeting with a trade insurance specialist for advice on your requirements.

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3. Compare quotes

Are you getting the best deal? Spend some time shopping around and comparing your current deal with what’s on offer. Online comparison sites and quote providers like https://www.quotemetoday.co.uk/motor-trade-insurance are a good place to start. However, while reducing your premiums is a priority, make sure you know what kind of cover you’re getting. Chat with your current insurance broker to get a professional view on the best deals for your business.

4. Think about package trade cover

New businesses tend to go for the basic insurance policies to start with and add on extra policies as they go. This can lead to unnecessarily high outgoings. Find out whether you can combine the cover offered in all of your policies in one insurance package. It doesn’t just offer the potential to have a wider level of cover at a better rate, but it can also make claims and associated administration easier to handle.

5. Pay the premium upfront

It’s common for insurers to add a charge of around 10% if you pay your premium through monthly instalments. If it’s cheaper to pay your annual premium up front and your cashflow allows it, make the saving. Paying up front can also help you avoid credit charges.…

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When it is a matter of finding people on you can rely to and place them in a certain position at your company, many employers would agree that it can be a very hard task. In order to do it perfectly, you should spend a lot of time in finding the best people, contacting them, or publishing an online call which will be followed by a huge process of waiting for the people to send you an application and review their biographies and motivational letters afterwards. But in order to simplify this task, there can be a very strategical and easier solution which won’t cost you more time, and even though you will need to pay for hiring a person or a team which will be in charge of finishing this task for you, you will be sure that it will be done by a professional. If you consider yourself as less informed in this field, by reading the following article you can get all the information you need in order to start with an activity of this kind https://en.wikipedia.org/wiki/Employment_agency. It is very important that you remember that by hiring a professional, the insurance provided can guarantee you that the best person was chosen and simply by that, you won’t need to spend some additional money over employees which won’t be a good fit for a certain position. Within this article we will give you couple of advices which will be helpful to you when it comes to finishing a task of this kind.

Make a certain goal

The first step within your search is to be aware on what you want to achieve. You will need to know what do you expect from the new person in the position which is open inside your company, and by that, the person you will hire will be able to find the best fit for a job of that kind. It is very important that your aims are balanced towards the payment you are offering, and that you don’t expect something which is hard to be achieved. If you are more curious over the determination of your goals in advance, you can always click here and learn more. Once you are done with this step, you will be able to find a person that can continue the search.

Make a list of available recruite agencies

Once you know which positions are opened inside your company, and your expectations towards a certain position are determined, you should continue making a list of available agencies. Remember than it is always better to contact an agency of this kind, since if you decide to hire an individual recruiter, you may experience some troubles, and you won’t have an agency to guarantee you that the work will be done perfectly. Also, remember that it is always the best if you customize your search locally, which means that all the people provided will be near your area, unless you are looking for someone on a high …

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It has been said that a photo can speak a thousand words. That is even more appropriate when it comes to property marketing. The images that you use for your property marketing are not only a reflection of your business, brand, and the way you would like to be perceived, they are also a critical element that helps to market a property. Property images offer immediate connections to buyers and help to draw them in and clinch the sale.

We strongly believe that well taken, high-quality property marketing images with CGI services can make a big difference when it comes to marketing a property. Property portals have statistics that provide evidence of that. It is a fairly straightforward process to take the right photos, but provide them with the right finishing touches so that the property stands out from all of the others in the area that can provide your property marketing with significant improvements.

Why should your property marketing images be edited?

With major social media channels like Instagram highlighting the importance of taking high-quality images of even simple things like your breakfast, it definitely brings the question of why aren’t we putting as much effort into getting out property marketing images edited into the forefront. A potential buyer is drawn in by aesthetically pleasing images, so it will pay off over the long term to edit your images properly.

The Guardian recommends that 95% of property searches are done online now, with an increasing number of buyers searching website and social media listings before going in physically to see an estate agent. Although this method is easier and faster for buyers, it does eliminate estate agents being able to “sell” a property and encourage viewings of properties that might not hit the brief of the purchaser initially. If a property has just image online for selling it, making sure that you have enticing and well-edited property images for drawing in buyers, will lead to more viewings and a sale ultimately.

There are a number of benefits that come with editing property marketing images. You don’t need to be an editing wizard to achieve high-quality images. There is a wide range of techniques that can be applied to property images in order to improve their quality. When you pay attention to those small details it can help to increase your property’s appeal. You might think that clothing appears on the edge of a shot or a car parked on the outside of the property are insignificant details. However, they can really jump out at prospective buyers like flashing red warning signals. If you take the time to edit your images it can make a big difference, we promise!

Hire a studio skilled in property images

Hire a studio that is skilled in producing stunning and exquisite property images. They should follow a standard where each image goes through a set series of techniques in order t ensure they get the absolute best out of every image. The things that …

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A big question that a lot of homebuyers will have is what kind of mortgage is going to offer them the best overall deal. In more simple terms, it really comes down to variable or fixed rates, where both do exactly what they say.

Fixed Rates

With fixed rates, they are not going to fluctuate over a specified period of time, regardless of what may happen with the Bank Of England base rate. Various deals will allow the rate to be fixed depending on different time periods, which will usually be between two to five years. In some cases, it can be as long as ten years.

What this means is that a borrower will have foresight as to what they will pay for the length of the fixed rate. The main benefit to a fixed rate is that budgeting can be easier as it offers freedom from the worries that your monthly payment will climb along with the interest rates when they rise.

The major downside here is that a lot of the fixed rates can end up putting you into a deal that has early repayment charges. When you need to repay the mortgage, it could result in charges that could be thousands of pounds. Most lenders will allow you to pay over a certain amount without having any sort of penalty, which will usually be about 10% of the outstanding balance of the mortgage per annum even for commercial properties if commercial building surveys in Surrey have been carried out.

Variable Rates

A variable rate will be linked to, or offer, a rate that could be moved up and down. This will cause the mortgage payment to rise and fall accordingly.

Some of the variable rates will have a certain margin that is below the standard variable rate with a lender and will sometimes be called discounted deals. Lenders will have complete control of a standard variable rate and have the ability to alter rates when they want and as often as they want.

A tracker mortgage is another variable rate option, which is pegged to the base rate of the Bank Of England. These will move up and down in direct relation to changes in this base rate.

Overall, the benefit of a variable deal is that you will have an initial interest rate that could be a bit lower than fixed rates. The downside here is that your rates will climb, making your payments rise.

Who Should Have A Fixed Rate?

If you are looking for the security of having payments that are not going to increase, then a fixed rate is for you as long as you are okay with being locked into a deal. Any first-time buyer and home buyers that will have a bigger mortgage will usually prefer the stability of a fixed rate, especially when you look at all of the other costs that come with buying property.

Who Should Have A Variable Rate?

Because the base rate is at …

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Doubtlessly, for digital professionals Singapore has got appeal across the world. With more than 1-million foreign employees, it’s clear to ascertain the attraction for growing expatriates; from its climate, exceptional cleanliness, least criminal record & the unimaginable infrastructure and art areas.

Searching for a job can a stressful process, but looking for job opportunities in Singapore, the third most competitive country to work in is an entirely different game. A job search in Singapore can be very challenging, but once you are done with this harrowing work, you will now have the most rewarding experience of your life. Why would you love working in here? Here are a few reasons:

1.   Lucrative Salaries

With the thriving economy, companies in Singapore are hunting for overseas professionals. Offering the best salary packages and well-paid benefits it has attracted the highly skilled talent from across the world. The average salary for mid-level skilled foreigners is e-pass employees is two to three times more than of those offered by the neighboring countries.

2.   Permanent Residence Status

If you have been working in Singapore for you can are enjoying your working experience you can apply for the permanent residence card. This is a big hassle, and a lot of paperwork and formalities are involved which might take up to six months but again has successful outcomes. Thus, Singapore jobs will not only make you work here but will also help you reside here with permanent residence status.

3.   Most globalized Economy

Singapore has managed to gain world’s second prospering economy and has defined competitiveness as its significant policies to increase the level of productivity. What does a prospering economy imply? Yes, High salaries, least unemployment rate and the most suitable environment for business development.

4.   Continuous tax collection system

Evaluating and tax collection has been made very convenient in Singapore now. It takes less than 40 seconds now to submit your tax return online.  The tax rates for the residents and non-residents are clearly defined from 0% to flat 15%. Thus, all your earnings earned overseas and dropped at the country don’t seem to be subjected to any taxes.

5.   Singapore’s diversity

The country lies in South Asia’s heart full of numerous cultures and languages. Above all there is additionally a massive community of expats and overseas employees residing and working here since the country is the base for several international and regional company hubs.

No doubt’ it is cumbersome to find job in Singapore as there are a number of challenges but nine out of ten applicants who become employees are satisfied with their working environment in Singapore.  Ranked as best for several reasons, starting from best property conservation laws to the finest country to start a business in, Singapore has managed to receive many recognitions for the entire quality of living, best education standards and effective medical facilities, taking the countries rank to “the healthiest in the world.”…

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Bitcoin investments are an ideal track to take considering recent developments hitting the cryptocurrency market. As funny as it sounds most average-level investors have no idea how to even purchase bitcoins. Admittedly the practice was near impossible when the digital currency first came out, but its mainstream popularity has generated new business that make purchasing bitcoin a lot easier. Still to purchase and use bitcoins requires a bit of a learning curve. Here are the steps necessary to purchase bitcoins.

Cryptowallet

The first step is to acquire a cryptocurrency wallet. Cryptowallets are storage software designed to protect, send, receive, and manage virtual monies. They use blockchain technology to protect transactions and assign unique keys to user coinage so that only the owner of the wallet can access it. Many wallets are designed to use one type of virtual coinage, but some are multi-use and can hold more than one type. They also have different storage locations that affect security and access. Virtual wallets are stored on the cloud, desktops on full computers, mobile is stored on smartphones, hardware on devices such as USBs, and paper wallets provide a printed form. Each location has its own perks and drawbacks, but in order to operate in the cryptocurrency market you have to have a wallet. In fact, setting up a cryptowallet should be done before any currency is purchased, as the coinage needs somewhere to go.

Step 2: Bitcoin Brokers

Bitcoin brokers are independent companies that exchange traditional currency for virtual coinage. Most deal exclusively in bitcoin but some branch out to other types. If you are wondering how to buy btc, this is the easiest way. For a small fee they process exchanges so that investors can get their bitcoins almost instantaneously. The process is not unlike any online financial transaction, and most use mainstream credit sources like Master Card or Visa. This means debit cards can be used to facilitate transactions as well.

Bitcoin brokers vary in the amounts they can transact, and the percentage they charge. Like any industry there are bad eggs, so research is needed before making a concrete decision. If you deal in more than one type of virtual money, using a broker that deals in variety might be a good fit. If you invest large sums using a broker that can facilitate large exchanges is key. It all boils down to what you need, and how reliable the company is. Brokers can be vetted through the usual means, online reviews, first-hand recommendations, and referrals.

Step 3: Application

Once a broker is chosen making an exchange is pretty simple. First, you create an account and attach your financial information. Brokers accept numerous types of financial transactions. Once the financial information is entered the address for your wallet has to be input. This is so the bitcoins will go to where you can access them. Transactions are as simple as inputting the amount invested. It may take a few minutes but eventually you will get …

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Give Your Business A Spark

Posted by September 10, 2018

When you’re in charge of or help run an organization, there can be a lot of moving parts to keep track of. Sometimes, you can be so focused on the day-to-day tasks that you lose track of where you’re headed, or you may be working so hard with your head down that you can really appreciate having a breathe of fresh air. Having a speaker come to your business can be something that everyone, from the top management down to the support staff, can benefit from.

Customize the Message

Speakers on the circuit often have vast amounts of experience, great perspective, and strategies that they like to share with their audience. What you bring to the conversation is a specific knowledge about your history, your employees, and your mission.

It’s important to connect with a speaker before the official visit so that he or she better understands why you’re bringing him or her to your business. You can share your areas of strength and what you feel are your areas in need of improvement, and you can both ask each other questions as you start to build a relationship. Through this type of communication, the speaker can learn about what he or she should focus on and can better tailor a speech or workshop to specific areas.

Long-Lasting Effects

It’s often the case that after a speaker is finished with a presentation, everyone in the room feels great, ready to take on any challenge. Then, people go back to their desks or head home, and some of that energy fades away. As a manager or owner, it’s your responsibility to help keep that energy going. You can periodically check in with your team, reiterate messages, and create practical goals for people to achieve.

There are many resources, such as Next Up Speakers, to turn to when it comes to finding some of the best business speakers. You can find someone that would be a great fit for your team.…

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Every homebuyer faces a tough decision before they purchase property, and that question is about choosing the right type of mortgage.

There are two main types of mortgage, and these relate to the type of rate that is charged. The rates are known as fixed rates and variable rates.  Read this guide from Curchod & Co for more information.

Fixed Rate Mortgages

The selling point of a fixed rate mortgage is that no matter what the Bank of England decides to do with its base rate, the fixed rate does not change within a specified period. The specified period will vary depending on what you negotiate with your mortgage lender, but some companies will lock in a fixed rate for up to a decade.

A borrower who signs up for a fixed rate knows precisely the amount their mortgage will cost during this period. There is no need to stress about an increase in mortgage payments if the interest rates around you rise while your rate is locked in, and this means there will be no impact on your budget.

However, there is a negative, and that is that fixed rate mortgages normally have repayment fees attached if you want to pay out early. So, if you did come into some money that you would like to use to repay your mortgage, it would cost a lot to do so. Ask your prospective lender how much extra you can put against your mortgage before a penalty is charged. There may still be some small flexibility of overpaying up to 10% of the amount owed.

Variable Rate Mortgages

A variable rate mortgage is one that can constantly change. This means that yes it can rise, but it can also fall too.

A discounted deal is when you are offered a rate that is lower than the standard variable rate being offered by the lender. A discounted deal can be offered because the lender chooses what their variable rate will be and has complete autonomy to do so.

However, a tracker mortgage is a mortgage that has a variable rate that changes in line with the base rate advertised by the Bank of England. Therefore, every time there is a change in the base rate, this variable rate will change too.

The positive of a variable rate is that it may start out lower than what is being offered for a fixed rate mortgage. However, there is no certainty that it will remain lower in the future.

So, who benefits most from a fixed rate mortgage?

If you need the certainty of knowing what your mortgage is going to be during a set period, then a fixed rate mortgage is for you. However, you must be aware that if the interest rates go down, you are still going to be locked into paying your set amount.

Buyers who are purchasing their first home often find a fixed rate suits them best while they get used to paying a regular home mortgage payment.…

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The Health and Safety Executive Guidance on Lift Truck Operator Training clearly states the requirement for a 3-Stage approach to training, however, many employers are unaware of this. Many operators, therefore, are allowed to work in a “live” environment with nothing but Basic Operator Training. As is often the case, the combination of machine operators in control of vehicles they are not fully trained to operate and a fast-paced work environment can lead to catastrophic results. Contrary to popular belief by employers that operators are qualified after passing Basic Operator Training, the fact is it must be followed up by Specific Job and Familiarisation Training before an employer is allowed to authorise an individual to operate machinery in their workplace.

L117 is the UK’s Approved Code of Practice that outlines the standards required to comply with the three stages of operator training and that employers must satisfy. These three stages of operator training are:

1. Basic Training

Basic training imparts the foundation level knowledge, skills, and hazard awareness required to operate any type of machinery and attachments. This training should be delivered by a qualified operator instructor at an accredited training facility to ensure that all legal obligations are met.

In basic operator training, an individual learns the practical skills of operating machinery such as how to use hydraulic controls and simple manoeuvring of pallet trucks. They also gain a basic understanding of the safety principles involved in operating equipment, including the hazards and risks associated with heavy machinery operation.
Other important skills such as basic routine maintenance and refuelling, as well as pre-use inspection are also covered in basic training.

2. Specific Job Training

In stage 2 context is added to the basic skills training, where the operator is introduced to the specific operating principles related to the equipment they will be using with particular focus on the attachments that may be used. Like basic training, specific job training should take place off-site away from production and any work related pressures. The training will be tailored to an employer’s specific needs and may include:

  • Instruction on site rules;
  • Use of the equipment in the same conditions the operator will experience at work;
  • Operating principles and use of the machine’s controls;
  • Routine inspection and servicing
  • Training in the specific work that will be carried out;
  • Instruction on site rules
  • Safety systems of operating specific machinery.

This training is vital to give an operator an understanding and working knowledge of the specific equipment that will be used on a daily basis as well as how it should be operated in the workplace.

3. Familiarisation Training

This training should be delivered at the workplace under the close supervision of a person with appropriate experience and knowledge of the equipment that will be used by the operator. Familiarisation training allows the operator to put into practice what has been learnt off-site and includes:

  • Applying the skills learned in stages 1 and 2;
  • Becoming familiar with operating the equipment in the normal
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What are Claims Adjusters?

They investigate insurance claims by doing interviews with a claimant and any witnesses, consult hospital and police records, and inspect the property damage to make a determination of the extent of the company’s liability. “Property claims” involve damage to structures, and “liability claims” involve personal injuries or property damage from liability situations. An Independent Insurance Claims Adjuster calls and meets with the insured, assesses the damage, and then writes and submits an estimate to the insurance company.

What Skills are Needed?

They include an ability to understand insurance policies, being able to inspect a property and evaluate it, document it with photos, and then put the information onto a computer program with estimating software. Adjusters have both office and field work and sometimes are required to travel.

Training

Claims adjuster training in Denver CO is the answer to a company being able to supply a top-quality claims service to its clients. Certified and experienced instructors teaching in a comfortable classroom environment guide the students through the process of becoming successful independent licensed adjusters with an exciting career. Lessons include how to apply a streamlined process to handle small and large losses nationwide due to tornados, hurricanes, fire, ice, hail, and earthquakes.

An eight-day Training Package takes advantage of the teaching expert adjuster’s extensive career experience and knowledge while teacheing a high level of education, how to run the required computer program, and the skills needed to successfully complete the course. Taught is how to do a claim from beginning to end. The license, once obtained, includes estimating commercial and residential properties as well as marine, auto, fire and flood claims, and much more.

What are the licensing requirements?

To acquire an adjuster license, it means
a) completing the state’s exam, or
b) completing a certified pre-licensing course for insurance adjuster that includes 40 hours of study in-class and an approved daily exam.

Mile High Adjusters, LLC has a mission to provide the highest quality claims service as well as responses to and understanding of their clients’ needs. They offer the best possible support and strong relationships through the detailed training of their Mile High Adjusters Team, which specializes in the highest level of customer service and professionalism.…

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