Very often more traditional finance facilities such as buy to let mortgages or commercial mortgages are not available options because they cannot be put in place quick enough. When funds are required quickly bridging loans are often the best option because they can be arranged in days. If finance can be arranged quickly customers can take advantage of this to pick up bargains when people take a reduced price in order to achieve a quick sale.
At property auctions purchases usually have to be completed within 28 days otherwise buyers can lose their deposits. Since this time frame can be tight for many lenders who provide mortgages, buyers often opt for bridging loans in order to finance auction purchases.
The main reason that bridging loans can be arranged quickly is because their underwriting is more straightforward than other methods of finance. Short term lenders are not concerned with how or if repayments are likely to be made over the long term so are not concerned about income or credit history. Their main concern is the available equity in the security property and also how the loan is going to be repaid.
Occupational diseases are a danger to many people across a wide range of industries and professions; with many people being at risk without knowing it. Sometimes it is a matter of bad luck should a disease or illness develop, but within certain sectors, you can be at greater risk of contracting an occupational disease.
Most people think that industrial diseases are linked to heavy industry and more manual jobs, but there are many more sectors where problems can arise.
High risk sectors can include:
- Metal Machining
- Motor Vehicle Repair
There are many substances which are heavily regulated and have laws covering their usage. Some of these are listed below:
- Coke oven emissions
- Ethylene Oxide
- Vinyl Chloride
Some of these substances are fairly common, with the dangers being known (such as arsenic, asbestos and lead), but for many of the other substances, it might be easy to come into contact with them without knowing. For example; silica is found in some beauty products in small amounts, which are usually harmless, but sometimes people can have allergic reactions such Eczema and Dermatitis.
In addition to these less severe reactions, some people can get reactions from other substances due to their natural allergies. Some substances, such as metals, can create dermatitis amongst those susceptible – with allergic reactions to nickel and chrome being two of the most common. These can come about from a range of jobs, but normally are not known about until prolonged exposure.
Occupational diseases in construction and labouring are often the most dangerous, with many being very debilitating. Lung disease is one of the most common, with many jobs causing or irritating asthma. Asbestos related diseases are still prevalent too, even though the use of the substance has been banned – although mesothelioma compensation and asbestosis compensation can be got if you are diagnosed with these diseases.
Many other occupational illnesses exist, with most of them being down to repetition rather than exposure to a certain chemical. Long hours in front of computer screens can cause computer vision syndrome and repetitive strain can bring about carpal tunnel syndrome or RSI (Repetitive Strain Injury) across a range of sectors.
When you are running a business, or have responsibility for a group of workers, it is good to know the possibilities of any dangers that may occur to protect your company and your workers.
We’re often taught not to judge a book by its cover, but frankly, unless you’ve heard of the title before, this is pretty much impossible.
Bright colors, daring design, intriguing images and a nice font are things I unfortunately have to admit to subscribing to. In a world where you are constantly bombarded by images and branding speaks more than words, it’s important to stand out.
Image and self image are aspects of modern day life which today are very important. You only have to look outside to see an array of different fashions worn to convey each person’s unique sense of fashion and personality.
Every day life is a marketing opportunity and this is essentially the function of fashion. Fashion is advertisement. Be it advertising a particular style, way of life or more political message, it is an expression of something greater than simply covering your modesty.
When marketing a product, this view should be taken up too. Your marketing and image should be built around a central ethos your business holds. The image you portray should reflect your business’ aspirations and goal and in turn you will attract the market you are aiming your business at.
Over 50% of businesses in the first year fail with that figure set to continue rising. Every new business starts out on the same level- the bottom- so it is paramount that your business does what it can to make sure you have the edge.
Your image should be synonymous with your company. Take the global power McDonalds for example. You see those Golden Arches and you know what that entails. Try and aim for the same sort of effect; be it on a smaller scale.
In today’s economy, web sales and advertising are at upmost important so good graphics on your website is compulsory. A shabby website could put off potential customers if their first port of call to check out your business is the internet. A neglected site, for example, may indicate bad service. Not the message your business wants to convey. To avoid this dilemma, especially if you’re more business savvy and computer clueless, is to invest some money into employing professional web design and graphic design companies. There are an abundance of these types of companies but one like Liquid Bubble (http://www.liquidbubble.com ) is a company which specializes in this aspect of advertising and marketing, with other specialties including business cards, logos and pamphlets- all points which can help direct your new business on to the road to success. A good internet web site has the same function as a good business card. Remember, first impressions are everything and very often, you do judge a book by its cover.
Figures released recently have shown that the agricultural equipment production sector has continued to show strong levels of growth despite recent economic trends. According to the figures, despite a market slow down in the west, production has been bolstered by emerging markets in Asia, and strong demand for new machinery and tractor parts in countries like China. The impact of both population and economic growth in these emerging economies has meant that there has been a much greater need for newer farming innovations and techniques, as traditional methods are overthrown in order to meet rising demand.
Although sales have slowed somewhat across Europe and the USA and growth for the rest of the economic year is expected to be below average, countries like China, Brazil and Viet Nam have helped to ease what looked to be a struggling sector, and are set to bring in around $173.5 billion in sales.
It is believed too, that China will begin to overtake the USA as the largest producer of agricultural equipment, accounting for around 70% of shipments, and a dramatic rise in production is also expected throughout India, Brazil and Argentina.
Despite struggling sales throughout industrialised countries, the news is not all bad for production in the West. Analysts widely believe that at the beginning of the economic downturn, many farmers may have delayed purchasing new agricultural equipment in order to cut costs and make savings. Because of this there has been a considerable spike in demand for equipment over the last year, and growth is expected to continue to rise over the next couple of years as farmers seek to replace outdated equipment.
It is also believed that new innovations such as tractors run using biofuel will also help to bolster demand as farmers seek to cut costs in other areas and lower their environmental impact.
In this day and age, every business needs a website. Without a website, a potential client will more than likely Google your business name only to be confronted with one of your rivals, and choose them, all because your business wasn’t on the web. Here are some quick tips for getting what you want and need out of your web designer.
Keep detail, detailed: Don’t be afraid to tell your website designer exactly what you want and need them to do. The overall content of your website all comes down to how detailed and precise everything is for the consumer that is using it.
Make the homepage the hub: Your homepage is not only the gateway to all your other pages, but the first and sometimes last impression a potential client has of your business. Make sure your website designer knows that you want as much content as possible on your homepage, ABOVE the fold, once your clients start having to scroll down, it becomes more effort to stay interested in your product.
Keep in the guideline design: Match your website to your printed documents. Business cards, letterheads, merchandise, make it all match. This way, your design becomes memorable, and the more memorable something is, the more likely customers are going to return to it. Familiarity is a wondrous thing in the world of consumerism.
Make sure what you see is what you paid for: Don’t pay for anything extra than you asked for, web designers are there to use their expertise for your benefit, any more is a bonus, but certainly don’t be sucked into more than necessary features, minimality is most effective.
Remember that you understand your audience better than anyone, as long as you work closely with your web designer, you can make sure that you can maximise the best results from your website and in turn for your business.
Selling your unwanted clothes and household items has become easier than ever with the genius invention of the selling site eBay. With ‘Auction’ and ‘Buy it Now’ options, it has never been more accessible for buys and even more so, sellers.
If you decide to run your business through eBay then there are some things you must be aware of. In most places in the world that eBay is widely used (so pretty much everywhere from London to Hong Kong) there is a law that requires any business selling over the internet to be licensed in some way. If you do proceed to sell without a license or company registration then you do run the risk of being fined.
Taking your company even further, say if you did start out on eBay, being company registered has many benefits for the growth of your company. First of all, it’s a great way to get involved with advertisement of your product. Putting individual advertisements on thousands of different websites can actually get your business and product ignored and regarded as spam, can look untidy and effectively cost you a lot more. Link building, pay per click and free social media network sites such as Facebook and Twitter can be more beneficial to your company as well as cost effective. This also moves into the realm of SEO (search engine optimisation) and how semantic search engine friendly content can really help to boost the amount of hits, views and ultimately sales your website gets.
Being company registered, opens up many doors for your businesses promotion and is also a way of protecting your company within the law. If your company is correctly protected, promoted and legally this will add credibility to your company as a whole, thus making your business, the stronger and ever increasingly successful.
Businesses are about losing the least money and making the most you can. Like the heart is the important function for the human, the headquarters is the most important function for a business. This is where all of your advertisement, financing and ideas come from and stem down to the rest of the company, so you have to make sure the spot is up to scratch.
The problem with renting a property to stem your business from is that you can end up paying more for something when you don’t actually use all the space. You want a central location to your main business front but can’t afford the city offices. Well, now there is a radical new solution, at affordable, and flexible advantages for your company.
Enter modular building structures. The easy way to have your offices today. Because of the method portable buldings are constructed there is a 50% reduction time of construction. the six sided boxes are lay, stacked and fixed together in order to form the entirety of your planned space. They come ready equipped with heating, lighting and wall coverings already in place. The great thing about the modular structures is that you can have as little or as much as you want. You can have stand alone buildings, that can be extended to your needs or used as an extension to an already existing bulding.
The final result of the modular buildings are stronger than traditional material buildings because things such as nails are replaced with screws and strength to joints is done by adding super adhesive thus helping to maintain their structural integrity. The idea of having a modular building as your office base really does have its advantages, with favourable pricing as the materials are inexpensive, and off site main construction, they are at low risk of weather damage whilst construction is taking place, a usual main factor into the slow pace and expensive cost of normal construction and/or repair.
Portable buildings are the future, they are proven to be effiicent to be homes, surgeries and schools and offices is the next step for a company like yours. With the environmentally friendly stature and the affordable price tag, make your offices from modular buildings.
The days of the (semi) free lunch are here – especially online. Voucher code websites such as quidco have become huge in the last few years (offering consumers free samples and money-off deals) – and now it seems it is the turn of the freeroll web-site.
A freeroll has two meanings in the sport of poker, however to the consumer only one matters – a poker freeroll is a free-to-enter poker game with real cash prizes. With the emergence of hundreds of online poker sites, all keen to get the customer in, there’s a lot of free money out there on the multitude of poker sites online – the problem for the consumer was always knowing when and where to find these value filled games, and finding enough games to really be able to make a decent hourly profit.
The poker industry seems to have reached critical mass – and sensing the opportunity, Poker-freerolls.co.uk has been launched recently, to allowing gamers to learn and play poker for free, with zero risk. The site works by aggregating the tournament feeds of all of the major and minor poker rooms online, organising the data in such a way that the consumer literally has a choice over 50 free-to-enter poker freerolls a day, with prizepools running into the tens of thousands – and literally millions of pounds each year.
Poker rakeback and freerolls are the two key money-saving tools which professional poker players and amateur players alike have at their displosal. We expect to see poker freeroll sites popping up more and more in the coming months as interest in the game grows during the current World Series of Poker, currently being played in Las Vegas, Nevada.
With the proliferation of XML feeds, data api’s and the explosion of internet growth – who knows what type of data mashup / comparison engines consumers can look forward to in the future!
Accountancy firms have been under heightened scrutiny of late, particularly in light of the much publicised tax avoidance case involving Jimmy Carr, one of the UK’s most successful comedians. It has been revealed by his accountant that he sheltered up to 3.3 million a year through the K2 tax scheme. It’s hard to ignore that it was undoubtedly his accountancy firm that delivered the finer points of the tax mitigation scheme. Jimmy Carr is not the only celebrity that was placed under the unrelenting glare of the media; 3 members of ‘Take That’ in the form of Gary Barlow, Mark Owen and Howard Donald are said to have invested £26m into a scheme which enables investors to avoid paying tax. Whilst these accountancy plans have benefited the aforementioned celebrities in the short term, being involved in such schemes have not served their best interests when considering their end-game, having produced a considerable amount of negative criticism from the public.
With this in mind, selecting the correct accountant has never been more relevant. In fact any corporation who becomes embroiled in this controversial topic is likely to evoke hugely negative associations with terrible consequences. From personal experience searching for accountancy services in Reading, I have constructed a list of points to consider when choosing an accountant.
- A tailored approach – the needs of companies vary considerably, it will not benefit your company to employ the services of an accountant who take a homogeneous approach to all of their clients.
- Choose an accountant you can trust – almost anyone can refer to themselves as an accountant and promote themselves without having a single qualification. This leads me onto my next point which is…
- Do your research – Seek out accountancy firms who have a wide breadth of information readily available; choose a service that are a safe pair of hands and of positive repute. The last thing a business needs is to be polluted by the negative associations of their accountant.
- Write up a list of your needs – If you don’t know what it is you want from your accountant then you cannot possibly measure whether they are right for your business. Know what is most important to you and prioritise these qualities.
- Listen to referrals – Often experience with a firm provides a more complete picture of their approach and competencies than the information displayed on their website.
- Clear and Coherent – It’s important that you understand your accountant, it is imperative to be on the same page rather than left confused by their technical jargon.
- Ask them questions – Whether in person, via email or phone, addressing any concerns or questions towards a potential accountant is a very straightforward and often effective means of measuring how beneficial they could be.
- Meet them in person – many accountants offer a free consultation in which they would discuss your business. This is often really beneficial as you can easily gauge their understanding of your business, their rapport, and how they can be advantageous to you.
Accountants are often subject to a series of stereotypes, most of which are negative. However, finding the right one can help considerably develop your business and launch it into the big-time. Through careful research, analysis and forethought; the right accountant can bring you one step closer to achieving your objectives.
The recent change in the law regarding internet cookies has left many businesses in the UK floundering. The change in the law on May the 26th 2011 required website owners to change the way cookies are dealt with and how the information is stored.
The regulations have been in place for over a year, but last month they became law and it is now required for companies and website owners to comply fully. The British government is taking a soft approach on users who have not yet complied, but this will undoubtedly change with coming months.
A recent survey (by KPMG) has shown that more than 3 in 4 businesses are ignoring the new online privacy regulations, but whether this is intentional or not varies. This is a small improvement from a survey last month which set the figure at 5% compliance.
For the time being, companies should look into changing their usage online. There is plenty of information available online from official sources telling you what needs to be done. If you are a small business, getting protection is a good idea, not just for this but in general. Undergoing company registration is a great idea to make sure that you, personally, are covered in the eyes of the law. Being protected is good for everyone in any type of business and can help you in any legal issues.
What are Cookies?
Cookies are small files which hold data relevant to the browser or user of a computer. They are designed to hold information regarding specific clients and websites. This enables certain websites to tailor some aspects of a website to specific people. For example, when you browse a website with adverts, you should see adverts that are in some way associated with your browsing history or interests. This is not always the case, but is easily seen on social pages such as Facebook.
Are cookies safe?
Everyone should be concerned over security on the internet, from malicious software attacking your computer to unscrupulous people trying to make monetary gains from your information. Luckily cookies are safe to have enabled, especially with the new legislation in effect, which lets the user know the extent of the information available.
What needs to be changed?
Exactly what needs to be done varies from site to site. Simply put, people on your website need to know exactly what information is being collected. The rules can vary from giving a description of what is kept in a web page to asking for express consent to find out if people are happy or not to browse your site.
Whilst the law is being enforced softly at the moment, the government will step up how they tackle people who do not comply in the future, so the best thing is to get compliant as soon as possible.