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Is Your Financial Adviser Providing Value For Money?

Planning for your long-term financial future is no easy task. Each individual has their own wants and needs, as well as their own level of acceptance of risk. Knowing where to find hard and fast rules on how to invest, how much to invest and how to plan for post-retirement can be challenging, and this is where a financial adviser may help.

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Financial Adviser Skills

A regulated financial adviser has trained for many years to give knowledgeable advice on the various investment types available to you. They often use financial adviser software to monitor the performance of indices, shares and other investment opportunities. An adviser can chart these in real time to make calculated decisions about where to invest.

This service does not happen for free, but you do gain an adviser’s expertise on the financial sector. This knowledge can save hours of work for the standard investor. Specialist financial adviser software is also often unavailable to the general investor, limiting the effectiveness of an investment plan when an investor chooses to go it alone.

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Behavioural Coaching

A financial adviser also provides intangible services that can help you make successful financial choices, and this is known as behavioural coaching. A study found that coaching in this way was the most important service a financial adviser can provide.

Behavioural coaching aims to help you live a financially efficient life. For this, it is essential that you have a close relationship with your financial adviser, sharing all the relevant information about your income, expenditure and budget with honesty. Your adviser will give you advice on how to trim the fat on your expenditures, monitoring your budget as it evolves into something more suitable to your lifestyle using tools such as Intelliflo financial adviser software to help you carve … Read More ...

Combat The Stressful Times with Impounded Car Insurance

Having a car these days is more of a necessity than a luxury. Nowadays, everyone has a car for the simple reason that it helps them to facilitate easy and smooth transportation and commute. However, just owning a car is not sufficient. You must also take care of the various aspects of owning and maintaining a car. This ranges and encompasses everything from the servicing to the insurance. In this respect, insurance particularly plays a crucial role in determining the safety and security of your vehicle. By ensuring your car against all sorts of potential risks and damages, you can enhance the worth of your car. However, it is important to make sure that the owner of the car takes proper care to ensure that all the related aspects of owning a car. If you are stuck in an emergency with your car, then an impounded car insurance shall certainly come to your rescue.

Your saviour in times of emergency

A car is an asset which also a huge responsibility on part of the owner. You must be very careful before you take your car out on the streets. In order to make sure that the car is fully safe to take out on the streets, the most important requirement is to get the car insured. A car insurance shall protect your car against all sorts of risks and potential damages by offering a cover for the loss. Although taking up a car insurance is beneficial for the owner, yet you must take up the policy as part of the laws or else your car can be seized at any time.

In order to make sure that your car remains safe from all sorts of seizure, it is important that you must take care of the insurance of your car. … Read More ...

The Easy Way to Purchase Bitcoin Using Traditional Means

Oftentimes the hardest part of any endeavor is simply getting it started. To operate within cryptocurrency markets, one needs a cryptocurrency wallet. While finding the proper wallet to suit individual needs is an adventure in of itself, getting funds to deposit in that wallet is an even bigger headache. When bitcoin first emerged, it was almost impossible to get virtual funds using a traditional debit card, now it is much easier but only if you know exactly how to do it. Like anything else, investing in cryptocurrency has a learning curve. Luckily, guides like this are here to help show the way.

Bitcoin Broker

Cryptocurrency brokers are business that deal in cryptocurrency exchange. They allow virtual monies to be purchased using traditional means. Such companies facilitate exchanges by charging a slight percentage. The exchange does not use any rates, if you pay $20 you will get the exact equivalent in digital coinage. Most of these brokers have a set amount they can exchange in a week, so deposits have to be made in installments. They allow you to buy bitcoin with a debit card instantaneously. There is no wait.

The process to use a cryptobroker is akin to any normal transaction. First you have to establish an account, then you have to connect your finances to the account. This can be done in a variety of ways, for debit cards it is a simple matter of entering in the number. Once the account has been verified the exchange can take place. You have to provide the address to your cryptowallet first before the transaction can take place, this way the funds you purchase go somewhere you can access. You can choose the amount you want exchanged, that amount is influenced by the broker you use. Some deal in small amounts, … Read More ...

If You Own A Small Business, The Smart Move Is to Take Advantage of The Services of a Professional Accountant

Anyone who has ever started a small business knows just how challenging it can be. There are so many intricate details that have to be worked out, all depending on the type and nature of the business that you are starting. It is during this time that many of the critical decisions have to be made. Among these decisions that must be finalized, new business owners have to decide whether they will take care of their own accounting and bookkeeping or if they will bring in a professional accountant to take care of this area for them. There are many cases when it is simply in your best interest as a business owner to seek the services of an accounting firm in Chicago, IL. There are a number of reasons for a small business owner to hire an accountant, but these are a few of the top reasons. You can also find out more about this topic by checking out this article as well as this one here.

These Are Some Convincing Reason To Hire An Accountant When You Own A Small Business:

·       Put Simply, An Accountant Will Help You Keep Your Finances Straight

Running a business is complicated and there is a constant cycle of money coming in and going out. Everything has to be kept track of meticulously and this can become overwhelming. This becomes particularly true to business owners who may have a great product or service but lack experience in the pure numbers game of running their operation. An accountant can be a game changer for you in these cases. Accountants will make sure that money coming in is properly accounted for and money going out is going out here it is supposed to be going. These are just a few of the … Read More ...

Tips on Establishing Your Personal Brand

With so many social media pages, bloggers, start-ups, and virtual companies, making a difference is becoming difficult. If you are in a profession or a business that requires creativity and standing out all the time, it can be exhausting to find a way to leave a mark.

Fortunately, there a few but sure ways that anyone can do so they can stand out in their chosen field.

Why is it essential to create a personal brand?

A personal brand is your or your company’s identity. It is what makes people remember you. If you are an individual job hunter, your brand can refer to the way you stand out in a stack of resumes.

A brand is your mark that defines your company. In many cases, it is crucial to have a unique one. After all, who will want to get a product or a service from a name that has no rapport with their customers?

How to stand out

There are no hard and fast rules on how to make a difference. There are, however, some ways that have been proven to work.

  1. Identify your strengths

Your strength does not have to be something incredible. It can be a characteristic that is unique only to you. It can be a past achievement. It can have something to do with your company’s history.

Being the only one-person web designer in your city is a strength. Being the first printing shop to expand to 3D printing is a strength. Creating a restaurant in a decrepit house is a strength. Use these.

If you are unsure, you can ask others to name your strength for you.

  1. Build your online presence

Today, people will not believe your shop or business exists if you do not have a website or even a simple social … Read More ...

The_Future_Of_Personal_Safety_With_IoT_And_Smart_PPE

Each year, we’re becoming more and more dependent on technology. There’s no doubt about that– there are a lot of things are taking place in the world of PPE and IoT. Both of these increase the number of original equipment and are transforming devices positively.

They also offer a foundation for creating cutting-edge principles regarding health management and occupational safety to ensure that it will be able to function well with the current setting. Although the central role of personal protective equipment is to ensure that the workers remain safe, it’s also a great way to monitor what exactly is happening in the construction site. That said, here’s the future or personal safety with IoT and smart PPE.

Miniaturized Sensors Would be Widely Used

Miniaturized sensors have a lot of purposes, and one of which is that it used to assess PPE protection performance level, which would allow project managers to determine if any changes are happening based on the current environmental conditions. This technology can also be incorporated into often utilized PPE, such as safety vests and similar wearables for those who are on the construction site.

 

Furthermore, as the accessibility of IoT monitoring continues to increase, along with relevant services, it has become easier to detect if something unusual is happening on the job site. This could range from something as simple as equipment malfunction, into something more serious, such as not being able to transmit crucial data right away.

 

As we talk about these emerging technologies in the construction site, it clearly shows how smart devices would be quite helpful in guiding workers at the primary level with risk control functions in several ways to respond with different degrees of series of risk control.

 

Something as simple as automated detection can be included in … Read More ...

Six Essential Safety Practices for Warehouses

By: Shared Interest

Don’t make the mistake of taking shortcuts when it comes to implementing safety protocols for your warehouse. Investing in safety can provide your employees with greater job satisfaction while at the same time reducing injury-related absences. The money that you put into creating a safe work environment will more than pay for itself by improving productivity, increasing employee satisfaction, and reducing workplace accidents and injuries.

Consider implementing the following warehouse safety practices to create a safer work environment for your employees:

1. Make Safety Equipment Mandatory

Don’t leave it up to your employees as to whether or not they want to use safety equipment – make it mandatory. All heavy lifting should be done using hydraulic dollies or forklifts to prevent back injuries. Invest in hard hats and safety glasses for workers, specifying all of the circumstances under which these items should be worn. Mark all of your emergency exits clearly, using signs that are eye-catching and easy to understand. Invest in a sprinkler system for your building and make sure to properly maintain it.

Although getting your warehouse set up for safety does take a relatively large upfront investment, it will pay for itself over time by helping to minimise workplace injuries and by reducing absenteeism.

2. Address Potential Hazards

Set up recurring safety inspections for your warehouse. Pay particular attention to items that employees could slip on or trip over such as spilt fluids or loose electrical cords. Examine the floor itself, as well, looking for any cracks or uneven areas that could cause your workers to fall or that could damage your equipment.

3. Train Employees How to Lift Heavy Items Safely

All employees should be educated on proper lifting techniques. They should start by identifying the best method for transporting each item that … Read More ...

DTH Recharge- Simple ways to do it

India is supposed to have one of the largest subscribers of DTH today in the entire world. As per a report published in 2017, there were 66.99 million active paid subscribers in the country excluding the subscribers who access free DTH service.

Till about the end of the last decade most of us watched popular channels on TV and our favorite programs through cable network.  The broadcaster or the TV channels were tied up with the cable networks and against a monthly subscription value the cable network was available at our homes. In 2000, the scenario was set to change and by 2010 most homes in urban India had shifted to DTH service. The reasons behind the success of DTH are:

  1. Flexibility of choosing the channels is with the customer in DTH. Choose a bouquet pack or create your own package with channels of your choice. There is also the option of adding a particular channel at any point in time. These are not available with cable TV.
  2. Flexibility of temporary suspension of one’s account especially if one is travelling out of town for sometime which could a period of few days to few months. Once back in town, the services can be resumed within minutes by DTH Recharge. With cable TV, you would need to pay the subscriber fees every month irrespective of whether you are home or not.
  3. In the event of power cut in the area, the Cable TV network will also be suspended till power resumes back. With a DTH service, if one has power backup facilities like inverters or generators with which the TV is connected, you will be able to enjoy your favorite programs as DTH service providers operate 24×7.
  4. DTH Recharge is easy and convenient as it can be done online from
Read More ...

Where Entrepreneurs Can Find Capital for Their Cannabis Business

The Great Recession hit small business lending hard. According to the Small Business Administration (SBA), bank lending to small firms rose from $308 billion in June 1994 to a peak of $659 billion in June 2008. After the housing bubble burst, small business lending declined by almost 18 percent in June 2011 – and continued to fall.

Today, small businesses continue to struggle to find a traditional lender willing to offer their services and the loan amount these entrepreneurs need (big businesses apply for much larger loans, which banks are more comfortable with and willing to approve). One industry in particular has the biggest obstacle of all in securing working capital: the cannabis industry.

The cannabis industry probably has the least amount of funding options out of any industry at the moment. Even though countless new cannabis businesses are emerging and state legalization is being passed, there are almost no loans available to these entrepreneurs. A few financial institutions have braved the current restrictions and have serviced the cannabis industry, but credit is rarely available. Why? As of now, cannabis is still illegal at the federal level; the DEA lists marijuana as a Schedule I substance, alongside heroin, defined as “drugs with no currently accepted medical use and high potential for abuse”.

Where is current funding for the industry coming from?

“Unless you are migrating, leaving your career at Wall Street or Silicon Valley — which a lot of people have done, and have a nest egg, you will have to go through non-traditional routes to get your financing,” explained Super Bowl champion and cannabis entrepreneur Marvin Washington in a recent interview with Entrepreneur Magazine.

With banks and traditional financial institutions largely out of the question when it comes to funding, where are current and new cannabis businesses finding … Read More ...

Who Watches the Watchers?

The Enterprise Database; a modern marvel; a harmony of bits and bytes culminating in a digital symphony of information and instruction: Tempo, ad infinitum.

The conductor: The Administrator.
The Audience: The Client.
The Orchestra: The Employees.
The Composer: The software developer.

The curtain rises, and the conductor taps his baton. The Orchestra focuses, and so begins another day at the office. Your enterprise server system is the heart of your whole operation. There is very specific programming which uses a ‘Structured Query Language’ or SQL, to operate massive databases upon which companies, both large and small, rely. This language and its programming are unique in implementation and operation and is the industry standard for database operation and function.

As your servers serve and tirelessly and endlessly do your bidding, they also report their status and condition to the admin department. These functionality reports and periodic status reports are critical, and the IT staff must be aware of the condition of your database servers always: always! Enter the comprehensive monitoring powerhouse. A software tool with the ability to monitor every aspect of the SQL Server database condition and relay any required information, report or status alert to the proper authorities via the magnificent Cloud. Pretty cool huh?

Come in out of the digital rain and dry yourself off. opt for a method that has been proven by those who have created it and is coveted by those who swear by it. The enterprise business world is marching in lock-step to the sweet sounds of a digital composition being performed by a Cyber Pied Piper. This path, however, leads to operational enterprise harmony and good will towards the binary 1’s and 0’s which offer us all a world in tune with the databases upon which we all rely. And … Read More ...