Useful Tips - Page 4 of 16 - Interesting guides & tips in popular niches

The Sanctuary of He – A Mancave Guide

We’ve seen the films where the guys have permanently stocked beer fridges and pool tables in huge outhouses, and although you may not have the space to accommodate those kind of luxuries, you deserve a mancave. Whether it’s a box room, converted attic, basement, garage or shed, find a space and get to work.

The first thing to think about is electricity, you’re going to need power for your iPod dock, console, mini fridge and TV. If you don’t currently have power in your future sanctuary, try running an extension cable until a more permanent solution can be found.

If space is an issue you’re going to want smaller seating, shelves to save space, and perhaps a wall mounted TV. Before you make any big purchases put a Facebook status out to see if anyone is getting rid of anything you might want, you’ll be surprised at what you find. Another great tool for kitting out a mancave is the Gumtree freebie page.

If your mancave is within the home you might want to think about soundproofing, It’s no good having your own space if you can’t play music into the early hours or stay up all night on watching films. To find out how to soundproof a room on a budget, check out Oakwood Doors guide here.

If your mancave is outside of the house, insulation is going to be vital. Try cladding any shed walls and blocking any entering drafts. You’ll also need to make sure the space is completely waterproof, especially if you’re going to have electricity going out to it. If it’s going to be an outdoor mancave, make sure you purchase a heater so you can still use it during the colder months.

Unless you want to disconnect from the world for a while, you might also need to think about moving the router. If your new found man space is outside the home you’re probably going to have to get the router as close to the nearest door as possible. You may be able to boost your signal with a new router if needed.

Decoration is essential. You may not need to actually get a tin of paint out, but some old memorabilia, posters or sports shirts won’t go a miss. Check the attic or storage for bits and pieces you may have forgotten about, or go on a charity shop search. Old record covers can look great when they’re framed on walls.

Extensions – Create More Space Without Moving Home

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It’s strange how a house can all of a sudden start to feel that bit too small, and when you’ve got fond memories it can be hard to think about leaving. Perhaps your family has grown, you’ve acquired more stuff, or you just don’t seem to have the room you require. Whatever the reason, you may not need to move. If you love your house or the area you live in, building an extension is a great way to add loads of additional room to your home.

When you start looking at bigger properties you realise just how much an additional room might cost you, and it’s a lot! It’s a well known fact that the bigger the property the higher the price, however, it’s also true that the more rooms you require the less properties there are available.

It might not seem ideal to live on a building site temporarily, it will be messy and loud, but it might make the most financial sense. Plus, moving is never a straightforward process, who wants to pack and unpack everything they own.

Luckily, in recent years extending your property has become easier than ever. The laws surrounding property development have been liberalised, and this will stay the case for any property built before May 2019, making this is the ideal time to get planning your extension.

The basic rules were that any single-storey extension can be made to a property without planning permission, so long as it doesn’t exceed 3 meters in length. If you have a detached property this goes upto 4 meters from the rear of the premis. With the temporary relaxation of the rules, you can now build up to 6 meters behind an attached property and 8 meters behind a detached home, however, you will have to speak to your neighbours about it and gain their agreement.

Regardless of what type of property you have, you will still need to fully comply with building regulations and gain permission if you reside in a conservation area, or if your building is listed. Make sure you are fully informed of all rules and regulations before you carry any work out or plan the size of the extension.

Other things to consider before you start building are electricity, lighting and heating. You’ll want to know roughly how you’re going to lay the room out once it’s done so you can plan power sockets and window space. Try to get as much natural light in the extension as possible. Depending on where the extension is, you might also have to think about where the back door is going to go. It is always advised to do the designing with a professional, and they have experience and can offer great advice.

You’re going to need some wall space for a radiator to heat the extension up. Traditional radiators are great, but can take up quite a lot of room, and if the extension is fairly small this might not be idea. Companies like CNM Online offer vertical, horizontal and designer radiators, meaning their are more options available than ever before, some of which are great for saving space.

It is crucial to remember you’re going to be taking up some of your current garden space to develop the home. You may need to rehome some of your current plants and move sheds or patio slabs. You’ll have to check that no essential pipework is covered incase of future problems.

Although an extension does require some hard work and stress, it is worth it to save the money and stay within the home that holds your memories.

How to Run a Successful Business – Case Study William Hill

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If you are looking to run a successful business, then you will be wise to look at other successful businesses to see how they have managed to do so well. A great example of this is William Hill as they have managed to adapt to changes in the market and demand for betting which have changed since the Internet flourished.

William Hill was well established as high street betting office business before the internet launched. However, as the Internet grew, high streets had less customers due to online retailing and the convenience of this. This meant that all high street businesses had to adapt and William Hill did just that. They still offer the over the counter betting services that they always have done but they also launched a very successful online business. They are currently one of the leading online betting and gaming providers to the UK online. Many customers prefer the flexibility of being able to bet online as they can do it at any time and from home. To start with that was the only option but as mobile phones improved and it was possible to use apps when away from a static Internet connection the options grew as well. William Hill was there every step of the way making sure that they developed with the changing market so that they had options available for every possibility that their customers wanted. They also expanded abroad into Australia, UK, Italy and Spain although they still have 82% of their business in the UK.

So you can see how William Hill sports betting has adapted to a changing market and this is something that all businesses need to be able to do. Some business owners feel that if one part of their business is not doing so well it is a failure of them to change and that they need to keep persevering. Although perseverance is a great asset, it is really important to understand that customers change their habits frequently and so it is not a failure of the business if things start to do less well but it could very well be an indication that there has been a change in what customers want. This means that it is very important to be flexible and willing to adapt so that the business can continue to flourish. [Read more…]

So You Want to Build a Business – Here’s How To Get Started

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If you ask most people what their ultimate dream is, they’re usually going to give you two different answers: they want to own their own home, and they want to run a business. Usually people start a business so that they have the money to buy their own home and then some. You can definitely increase your quality of life with a business, but a business can also become one of the hardest things that you’ve ever done in your life.

There’s a right way and a wrong way to start a business. The wrong way would be to just dive in without having any idea of what you actually want to do. Far too often people are in a financial crunch and they think that running a business would be better money as well as more freedom. You have to understand that once you quit your job, you’re the boss and that means that everything is essentially your responsibility. You get to scoop up a hundred percent of the praise, but you also get stuck with one hundred percent of the blame too. That’s a point that a lot of would-be business owners skip over.

Before you do anything else, you should make sure that you actually start a business plan. This might not be a formal business plan, but any planning that you can do before the big leap is definitely a good thing. Figure out what products and/or services you can offer to the audience of your choice. You might even need to look around at your competition to see what they’re offering and how you can get into the same field s them. Reaching out and building a network professionally is a good way to see what will be involved as you make the switch to entrepreneurial life.

Getting a great mentor can help you sidestep a lot of issues in your company, because you won’t have to go in blind so to speak. Your mentor should be someone that is already running a business, or retired after running a business. Someone that’s coming up alongside you can be good to bounce ideas off of, but they shouldn’t be your main teacher — in fact, they might be making the same mistakes as you!

The best thing that you can do for yourself is to give yourself enough time and enough savings to enter the business world on your terms rather than having to make moves out of desperation — that’s the best way to get started!

Don’t Let Software Costs Eat Up Profits – Switch To Good Software Asset Management Instead!

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Are you thinking about profits and your business? If you are, don’t worry — you’re definitely not alone in this at all. There are a lot of business owners that are thinking about their profits and wondering if they could be higher. Well, one area that often brings profits down is expenses, naturally. If you are spending too much on certain aspects of your overhead, then you’re going to be losing profits …sometimes, without even realizing it!

Isn’t there a better way to save money and therefore raise profits at the same time? Of course there is. If you’re in a business where you are depending on computer technology in order to get things done, then you’re definitely going to need to implement software asset management.

This is a proven method of saving money, because you will not just be out purchasing software blindly. You will need a plan in place to curb costs, but that’s not like it has to be difficult to implement.

The best way to get your plan done with is to get targeted software asset management services that will make most of these issues as effortless and streamlined as possible. Organization of the process is going to be absolutely critical when you know that you need to make changes. Otherwise, you’re going to find yourself not being able to do anything with any type of speed. This will lead to a lot of breakdowns in communication down the road.

Most business owners that have deployed software asset management solutions have actually discovered that going down this path reduces their software expenses dramatically. Software usage reports let the IT personnel immediately figure out what applications that are actually redundant and therefore targets for removal. Why pay for software licenses that are not going to lead to higher company productivity as a whole?

Software asset management is still going to take time and dedication, as at least until you get used to the format and workflow requirements.

Making these changes in your company is also going to take some time, but that doesn’t mean that you shouldn’t be taking the time to actually implement the changes. Over time, your software asset management plan will truly pay for itself, but you have to remain patient! Good luck out there!

Top Reasons to Choose Our Services

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Hey! Are you looking for someone who can write your paper? Are you struggling with the writing work that is assigned to you? Are you not able to meet the tight deadlines that are set for the completion of your paper? Well, don’t worry! Writing-expert.com will help you in writing your paper. No matter what kind of paper you have to write and what is the deadline that you have to meet for completing your paper, we are able to meet all the expectations. Read this post and know more about our amazing service.

If you can’t bear your writing stress anymore and want some relief from this situation then you definitely need our trusted essay writing service Writing-Expert.com. We are always ready to help students in their writing assignments. We always offer top class service and help students in all aspect as we can. Read this post and know more about our services!

Ability to Meet Tight Deadline

No matter what deadline you have for the completion of your writing assignment, we have the ability to meet tight deadline as well. To secure good marks and achieve success in academics, it is very important to complete writing assignment within a particular time frame that is assigned to you. We understand the importance of deadline very well and offer al your writing assignment before deadline. So, our ability to meet tight deadlines is one of the reasons to hire our services for writing assignment.

Free Revision

Yes, free revision is another service that is offered by us. Customer satisfaction always tops our priority list and we always focus on customer satisfaction. So, our free revision policy always helps u to get the final product in the way you want. You can work with writing experts and tell them about your requirements. The writing experts will work as per your instructions. And if you are not satisfied with the final assignment, you can ask thee writing experts to make changes in the writing assignment anytime. So, you are always free for revision until you are completely satisfied with your assignment work.

24/7 Writing Service

No worries, whether your writing paper deadline is due tomorrow or today itself, we offer round the clock assistance in completing writing assignment. Our writing experts’ works round the clock and complete any type of writing assignment. You don’t need to be stressed and worry about the completion of your writing project before deadline. If you are the one who are looking for round the clock service and need quick help from the writing experts then we are the best choice for you!

Guaranteed Return of Quality Assignments

Return of quality assignment is always in our top priority list. No matter what kind of assignment we have to complete. Term paper, rush jobs, long term paper, dissertation all are accepted in return of quality work. If you hire our services then you definitely get quality return from our experts.

Fully Professional and Highly Qualified Writers

Our professional and highly qualified writers delivered you exactly what you are expecting from us. Writers are degree holder and know how to write your papers that helps you in getting good grades and achieving success. Our writers are masters in their respective discipline and can write papers in the format in which you want, as they learn different format to write papers.

Debt Management Consolidation

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How do you rate yourself as a money manager? Are you able to allot funds for all your outgoing expenses efficiently, or do you often have problems working on your monthly budget? In an economy which relies mostly on a credit system, it is quite easy to fall into a debt trap wherein you are acquiring more debts than what you can actually pay. When this happens, most people fail to pay at least the minimum amount on their credit card bills. The account may go into collections status, they might receive harassing phone calls from creditors, and some may even just give up then allow their accounts to go delinquent.

When you are dealing with mounting debt, do not lose hope because there are several alternatives that you can opt for, short of filing for bankruptcy. You should always consider bankruptcy only as a very last resort. Exhaust all your other options first because bankruptcy will stay for up to ten years on your credit record, greatly diminishing your purchasing power.

Benefits of Debt Management Consolidation

One of the alternatives that you can look at in order to pay off most of your debts is debt management consolidation. There are different ways to consolidate debts, but one way is by combining several small loans and debts from different creditors into one bigger loan with one debt consolidator. This system is used far more than it ought to be, as borrowing money is not usually a great idea when you are in debt. The other way to consolidate your debts is through a debt management plan, which tends to be more effective for more people.

The following section will give you an idea about how debt management consolidation works. First, here is a quick list of the benefits that you will get to enjoy through debt management consolidation:

No matter how many credit card accounts, store cards, loans or overdrafts on your checking account that you owe, you can combine all these into one easier to pay monthly payment.
With the help of a debt consolidation company, you do not have to negotiate for the consolidation of loans and lowering of monthly payments as well as interest rates; a financial expert from the company will do it for you.
You can reduce what you pay in interest on the several credit card accounts that you have.
Since the debt management consolidation company will be able to assess your overall financial picture, it can easily be determined when your debts will be fully paid.

[Read more…]

What To Ask Yourself Before Applying For A Payday Loan

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We can plan our finances for the month as much as possible, but sometimes unexpected expenses can appear out of nowhere. Especially if these expenses come up near the end of the month or just before payday. Many people are able to borrow cash from family members or friends, but what if you don’t have that option? Over the past few years, payday loans have become an increasingly popular choice for people all over the UK. But, what things need to be considered before taking out one of these loans from fast short term loans lenders?

How Much Do I Really Need To Borrow?

If you are considering taking out a payday loan, then it’s important to make sure that you’re only applying for the minimum amount that you need. As these loans are quick and easy to apply for, it can be tempting to apply for more than you need. However, doing this can mean you get into hot water when your repayment date comes along.

Will I Be Able To Pay It Back?

One of the most important things to check before you apply for a loan, is that you will be able to afford the repayments. On payday loans online lenders, all of the repayment costs are laid out in a simply chart, which tells you exactly how much you will have to pay back. There are no hidden costs or fees to use their service as they believe in being completely transparent.

Will I Qualify?

To start your loan application, you must meet these criteria:

Over the age of 18
Employed and earning at least £500 a month
Be a UK Resident
Have a bank account with a debit card

Have I Considered All Of My Options?

Before you go ahead and apply for that loan, you should make sure that you are making the right decision for your circumstances. You should only take out a loan for emergency financial situations and only on a temporary basis. If you suffer from a long term debt problem, then it would be recommended that you seek the help of debt management professional. If you have looked at the repayment costs and think that a payday loan is the right option for you, then why not start your loan application now?

3 Quick Points on the Income Drawdown Plan

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Getting the most out of your money as retirement nears is a topic that’s getting much more attention than it used to. This makes sense, as the recovery from the global recession isn’t nearly as strong as experts had hoped for or even predicted. A sluggish economy naturally makes people fear that they’re going to have to work longer and longer, putting off retirement until they feel they’re too sick to do anything else.

But what if you had more options than at first glance? An income drawdown plan could be a great option, and it’s not something that’s discussed as often.

If you plan on paying into your pension for a longer period of time for the tax relief benefits, then an income drawdown is perfect. Your money stays invested, and you take the pension from the income that the investment fund generates for you. Since investments go up and down as time passes, it’s not without risk. You could lose a lot more than what you put into it, which is a risk that you need to think carefully about.

Still, the growth potential is huge with an income drawdown plan. With everyone talking about rising costs, this is something that you need to think about.

There’s another question at stake here too: what happens after your death? What can you really count on other than having to leave your precious loved ones behind? With an income drawdown plan, there’s a chance that you can pass that money onto your loved ones after your death.

Don’t think that you’re giving up the annuity portion completely. If you decide that you want to get an annuity down the road, then you can buy that separately. Your income drawdown plan truly is that flexible.

Make sure that you sit down with a qualified advisor. They have plenty of time to leisurely go over your options. A no-rush environment is critical when you’re trying to figure out your future.

If you have an existing pension, you may be able to transfer it into an income drawdown plan. In addition, the regulations are always changing. Having an adviser that can help you keep up with the changes is very important.

What is Transaction Reporting?

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Transaction reporting is the detailing of each major currency exchange, withdrawal, transfer or payment made by, to or through a financial institution.

Why financial reporting is necessary

Increasing regulation and legislation surrounding every financial interaction means that the British government and European Union have a pressing need to monitor financial firms with greater stringency to ensure that all of their financial practices are undertaken in line with regulations.

Under EU law, financial reporting is compulsory to ensure governing bodies and governments can monitor financial transactions for money laundering, tax evasion and other criminal offences that might be practiced within financial firms. Of course, financial firms themselves also take a strong interest in the details of their financial transaction reports. The details of such reports provide those in charge of a firm with a clear insight into its dealings, incomes, expenditures and monetary operations. Fail to provide a financial transaction report or neglect to follow its regulations and you risk committing a criminal offence that could lead to a fine, imprisonment – or both.

Who compiles transaction reports?

All MiFID eligible securities need to be reported to a Approved Reporting Mechanism (ARM), such as UnaVista, who will in turn report this to the relevant country’s competent authority. Data should be validated against the latest sources, so that errors on under – or over-reporting are spotted.

Who do firms send transaction reports to?

Transaction reports were previously sent to the Financial Services Authority (FSA). However, this responsibility has now moved following the division of the FSA into two separate regulatory authorities: the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). Banks, credit unions, insurers, major investment firms and building societies should therefore now send their transaction reports to the PRA.

The Transaction Monitoring Unit (TMU) is responsible for the collection of transaction reports in the UK, and it is their task to monitor firms’ compliance with transaction reporting regulations. They are also tasked with the surveillance of UK markets.

Sources:

http://www.fca.org.uk/firms/systems-reporting/transaction-reporting,
http://www.lseg.com/markets-products-and-services/post-trade-services/matching-and-reconciliation/articles/should-you-be-transaction-reporting-fca

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