Is a Fixed or Variable Mortgage Best for You?

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.…


The 3 Stages of Operator Training

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


Video Advertising – What Is It That’s So Appealing to Consumers

In recent years video marketing has continued to increase in popularity at a dramatic rate. It has been estimated that individuals are 4 times more likely to give a response to a video than they are to written text. Although this helps companies with their expansion, many individuals are still failing to add videos as part of their advertising efforts. It is very important that businesses become aware of how appealing videos are to their customers. This will allow them to use them effectively to increase their customer base.

3 Factors Determining Why Videos Are Appealing to Consumers

1. They can relate to them more.

Humans are very visual. We use our sight the most when it comes to making evaluations. We see something that helps us with engaging our emotions and other emotions better. What that means is that there is a greater chance of us relating to a video than we would to other forms of communication. This type of emotional communication that can form means it’s possible to start to build up the individual’s trust in the product or brand. It is more likely that people will remember something they have seen and have been able to connect with, compared to what they have read or heard.

2. They are less time consuming and more convenient.

In today’s society, everyone is always in a big hurry. We are always searching for the easiest and quickest method for getting stuff done, and we’are constantly pressed for time. Our lives are dominated by multi-tasking. With videos, we can watch and do something else at the time.

Viewing a video also takes a lot less time than reading an entire article. You can relay the same message in less than half of the time. Consumers do like having all of the available information, however, you need to relay it to them as fast as you can. With attention spans steadily decreasing, we really don’t have the ability to focus on information for extended time periods. “You need to share your message quickly visually and audibly or people won’t be able to process it,” says a professional voice artist at Voice Fairy.

3. Technological advances

The average consumer can now access the internet from any place and at any time, so they want to take advantage of it. It is easy to view videos on small screens, compared to many pages of reading which requires lots of squinting and scrolling in order to view it on a small platform.

Most people these days are social media addicts. We like sharing information we obtain with our whole group of Twitter, Instagram or Facebook followers. It is more likely that a video will be watched by other people and get more likes. That is the aim of each post you make when you post a good video which may prove to be very useful for some of your followers.

Videos overall satisfy our needs for the visual, which makes them …


Using Innovative Technology to Facilitate Your Business’s Operations

As the owner of a busy pharmacy, you need to keep all of your business’s daily operations in working order. You cannot afford for a single system in the pharmacy to stop working or malfunction in some way.

Because of how important every operational system is to your business’s success and usefulness to customers, you may want to upgrade your computers to using the newest technology. You can learn more about new software, the pharmacy IVR system, electronic signing programs, and more online.

Managing the Pharmacy Customer Records

You may rely on your computers to store all of your customers’ most sensitive medical and contact information. The security and accessibility of these records are only as sound as the software that maintains them, however.

Because software and computer programs can become quickly outdated, it is essential that you upgrade them as often as necessary. You may want to use a program that will last for as long as possible without you having to upgrade to a new one anytime soon.

Electronic Signature Options

You may have started out in this career during a time when customers still signed for their prescription orders. However, given the pace of the industry today, you need a faster way to sign off with customers who are picking up their medications.

The electronic signature option can be an ideal alternative to using paper receipts and invoices. It authorizes the person picking up the medicine and gives you a reliable record of the transaction. You can learn more about this program by using the website’s information today.

If you are unsure of what systems to invest in for your pharmacy, you can always use the consultation and contact details on the website. Someone from the company will be glad to explain how the technology works and why it could benefit your business now and in the future.

Your pharmacy is busy enough without being bogged down by outdated technology. When it is time to upgrade or make your systems work better, you can use the options available to you from the company.…


Are Longer HGV’s the Answer to All Emission Problems?

For many years now, HGVs have held the blame for the increased levels of emissions on the UK’s roads; and to be honest, the people are correct. While there are far more cars driving on the roads than HGVs, the cars rarely travel as far or for as long as HGVs do. It would make sense, then, that the millions of HGVs travelling millions of miles on a daily basis across the globe can cause an emissions problem. However, what if there were certain methods that the HGV air pollution problem could be reduced?

The introduction of automatic HGV systems, such as those by Cummins and Tesla, are definitely one method available to deal with this emissions problem. However, will the smaller HGV companies be willing to invest large sums in these vehicles and more HGV training when the infrastructure to charge the HGV is not yet available across the UK?

The majority of larger vehicle companies, including DHL and the bigger American haulage businesses, have shown interest in automatic HGVs; however, the issue of increased air pollution remains as long as the smaller trucking companies continue to use the non-electric HGV models. Taking this into account, the tackling of the carbon emissions problem needs to be dealt with as soon as possible with other options and the government has recently introduced another official solution.

How Can a Longer HGV Help With Emissions?

The UK’s government has a simple plan stating that the emissions can be reduced by implementing longer lorries and trailers as HGVs. This solution is based on the fact that the vehicles are two metres longer than the maximum HGV size; therefore, it will be able to transport at least three more rows of goods than the original HGV. This additional length will maximise the HGV output while reducing the number of journeys to be made and, therefore, significantly lowering the emissions from the vehicle.

Current predictions for this solution estimate that if all HGVs were replaced, approximately 3,000 tonnes of carbon emissions will be eliminated over the course of ten years. Of course, there are certain concerns along with the benefits. The additional length can increase safety risks because of the UK’s narrow roads with tight corners.

Once again, this is a problem that can be monitored, tested and amended during a trial stage of development. In fact, the trial stage is already underway with approximately 1,800 of these longer HGV options already on the UK’s roads. It is stated that 2018 will see more of these types of longer HGVs appearing on the UK roads as the five-year trial continues.

What Is the Impact of the Electronic HGV?

While the idea of longer HGVs could be considered irrelevant by people following Tesla’s introduction of the electronic HGV, carbon emissions are an issue that is caused by fuel being burned as a means of running the vehicle’s engine. An electric car engine does not present with this and, in fact, overall electric vehicles do not present


Know the Secrets of Forex Trading

When the market is “flat” or “ranging”, some traders attempt to “buy at low prices and sell at high prices.” While this may seem simple, in practice there are tricks you must understand.

Trading Range Aid

Traders using ranging strategies will usually identify the level of support and resistance. It is for them to make reference price level buy or sell. This makes trading happen between two parallel horizontal lines of support and resistance. In that area, traders are looking to profit from price conditions that move ranging. You can also read fxtrade777.

Ranging Price Movement

Often the price moves between two parallel lines for days. Sometimes within a week before a breakout occurs. Many traders open positions sell at resistance levels. Or take a buy position in the support area. It was to try to take advantage of the situation. Follow tradex1.com for the news update.

Ranging and Breakout Prices

The momentum that often happens is when the breakout with great strength and managed to penetrate the level of resistance or support. After that, the price tends to move to the next target with the same setup. Namely with the vertical distance between the projection line from the price level before the breakout occurs.

Some traders will take advantage of these opportunities by:

  • Buy in the “dip” area when the price tries to move up or vice versa.
  • Placing a stop loss position when the price moves ranging.
  • Placing the take profit level.

If the breakout occurs at the resistance, you need to add a measure of the breakout level.

However, keep in mind that it takes a certain skill to be able to analyze price movements technically. Therefore regular and consistent practice should be done. To try to practice this system, there is no harm in opening a demo account first. In addition, discipline for this trading system ranging can work well from time to time.


Tips and Advice for Designing a Quality Letterhead

January is that time of year when small business owners revise their branding and marketing materials, in order to decide whether they should still keep them or they’d better go for a revamp. This series of articles aims to help you make your brand more actual. First of all, let’s take a look at letterheads, in order to see how you can re-design them in line with current legal requirements.

Designing a professionally looking letterhead is far from being an easy task. “As it’s rather a complex process, you should take one step back and consider the basic tips, provided by expert printers in Hampshire.

The First Thing: Legal requirements

Sole traders are required to include their VAT number, the address of their business, and their name if it differs from the mane of their company. Limited companies need to include the fully registered company name, the registration number, the VAT numbered and the registered address. All these are mandatory, so make sure you haven’t overlooked any of them.

Partnership businesses need to include the same type of information as sole traders. If there are too many partners to be listed in the letterhead, you need to provide a place where people can find the full list of names.

There are also general requirements you have to stick to. People expect to find your telephone numbers, your email address, your logo, your social media and your website address among other things.

Noe that we’ve covered the mandatory details, let’s see how you can create a beautiful and stylish letterhead.

1. Choose Simplicity

One of the most important guidelines of letterhead design is to keep it simple. While it isn’t supposed to sell your services to potential clients, your letterhead is surely a mechanism of delivery. You need to do your best to keep it as simple as possible.

2. Customize Your Details

When sending a letter to various recipients, you may need to optimize your letterhead. For instance, if you know the recipient doesn’t use a fax machine, you may want to delete your fax number from the letterhead. Customize the information to suit the profile of your recipients.

3. Follow Your Corporate Branding

Your letterhead should be in line with the general branding of your company. Use your logo and stick to the color scheme of all marketing and communication materials. This is how you can create brand awareness and help people remember your company when they need it.

4. Observe the Right Positioning and Alignment

The size and the shape of your letterhead should be in line with the overall design of your stationery. Take care where you position each and every individual design element, in order to create a neat effect. By choosing the adequate offset, you can integrate the letterhead into the overall design of the page. This should be one of your design goals, so make sure you don’t overlook it.

5. Be Smart When Using Colours

Colours need to be used wisely in …


Corporate Training in Ever-Changing Global Circumstances

The indisputable fact of the matter is that the world now is vastly different than it was a mere decade ago. Folks rely far more heavily on technology than in the past and all types of business entities have the ability to garner valuable information from data aggregation. Illustrative of this is the use of predictive analytics as a means to efficiently anticipate consumer purchasing activity and gear marketing efforts in such a way as to make those purchases even more likely. Because the business world these days is so fluid and dynamic, it is essential for companies of every description to take full advantage of technology if they have any hope of staying even with or perhaps surpassing their competitors.

Training Methodologies Rooted in Years Past

Given the advent of a large number of technological advances capable of producing a great deal of consumer and other data, it is curious that many business enterprises continue to use static training methodologies rooted in years past. There can be little doubt that the majority of enterprises fail to place adequate emphasis on project management training. This is an area ripe for reform, particularly in light of the fact that over thirty percent of all employees have stated that poor training restricts their ability to learn and grow and may prompt them to seek positions elsewhere. Furthermore, holding fast to obsolete training concepts can prove extremely expensive.

Savvy corporate training personnel are well advised to examine the true amount of guidance their workforce requires and the best ways to cater to each group’s distinctive style of learning. Researchers from Middlesex University recently discovered that nearly three-quarters of all employees felt that they were not living up to their full potential, stating that an absence of development tools was to blame. Interestingly, in a 2015 study published by the Association of Talent Development, more than sixty percent of management personnel acknowledged that they were not succeeding in meeting the unique learning needs of their workforce.

Adequate Training Programmes

What is the best way for corporate trainers to confront these challenges and provide the development and training programming their workforce members desire? It is clear that business enterprises have little choice but to adjust to the requirements of 21st-century staff and integrate technology as they craft their training strategies going forward.

HR and workforce analytics tools can provide businesses with insights about distinct learners so that corporate training programming can be properly tailored to suit. Technology currently exists that can access real-time, individualised automation methods to deliver customised content that speaks to each employee’s preferred method of learning. In this way, productivity can skyrocket and corporate onboarding can be expedited. Employees will feel valued and the results of training endeavours will be far more valuable to all stakeholders.

Benefit of Customised Training

One of the main benefits of customised training technologies is that employees are taught in a manner that brings out the very best in each person. The programmes can be designed …