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Tips for starting your career in beauty

It can be extremely difficult when you are first starting off in your career. After all, you may still be considering all of your career options and what pathways would best suit you and your talents.

If you have decided to enter the beauty industry, then you have a lot of things to consider, including where in the industry you would like to end up as well as whether or not you would like to open your own salon. Here are some ideas to get you started on your professional journey.

Will the beauty industry be your main career?

Before you consider which area of the beauty industry you wish to enter, you need to consider whether or not you want to be full-time. The beauty industry is the perfect place to hone your creative skills, but it is an extremely stressful workplace and can be very challenging.

This is why you may want to consider putting your beauty skills to use through part-time employment or through social media. Take videos of your creative techniques and upload them to Instagram, YouTube, Twitter and Facebook. That way, you will be able to share your techniques with your online followers as well as home in on your skills as you perfect your techniques.

Will you receive formal training?

If you are interested in joining the beauty industry, then you will need to consider whether or not you require the formal training to pursue your potential career. This mainly depends on whether or not you want to work in the creative side or management side of your chosen area of work.

For instance, if you are interested in joining management, then you may want to look into university and college courses in management and business. These courses can teach you how to handle business within a salon.

However, if you aim to be in the creative side, such as hairdressing, nail sculpting or makeup artistry, you will need a more specific course from a college to give you the qualifications you need to join a salon.

A great way to gain experience, training and a qualification in the beauty industry is to look into a beauty-related apprenticeship. An apprenticeship will allow you to work at a salon while remaining able to undertake college courses to understand your chosen business.

Where should you seek advice?

If you want to seek advice about a potential job in the beauty industry, why not look online to research the stories of successful beauty gurus before you follow in their footsteps? You may also want to consider visiting your local beauty salons to see if you can gain advice from the consultants themselves.

This can be in relation to the beauty career itself or even about smaller details of the beauty business, such as where to find beauty insurance.

Consider where to work

Will you be building your own salon empire or working in a spa? There are so many options nowadays for beauty workers that you will be spoiled for choice! You can work in spas and salons, while you may even want to consider being a beauty teacher yourself in a beauty school.

Are You Ready for the PPI Deadline in 2019?

The countdown is on for the PPI deadline. Are the banks, PPI claims companies and consumers ready?

There is less than nine months until the PPI deadline. The Financial Conduct Authority (FCA) has set 29th August 2019 as the official deadline for consumers to contact their bank regarding any mis-sold PPI policies. The FCA reports that the advertising campaign for the deadline has worked well, with more money being paid to consumers since the announcement of the deadline. It hopes that the deadline will encourage those who have not yet claimed to take action.

But with Christmas now just two weeks away, the banks will likely see a dip in the number of claims made as individuals prepare for the big day and spend time with their families. After Christmas, however, the countdown will be on until August. The closer the deadline gets, no doubt the more people who will realise the urgency of processing their claim.

To date, the banks have collectively paid £32 billion to consumers. It’s expected that the total will reach £40 billion before the cut-off date. Over 60 million PPI policies were sold in the UK, which means that many individuals have more than one policy.

After the case of Mrs Plevin, even more people can make a PPI claim based on high levels of commission on a policy. Consumers can now make a PPI claim if over 50% of their PPI policy was a commission, which has allowed thousands more people to make a claim.

PPI Claims Companies and the Banks Prepare for 2019

PPI claims companies are gearing up for a busy 2019, as they are eager to process as many claims as possible. These companies are facing their own deadline, as after August, they will no longer be able to handle PPI claims. Even the best PPI claims companies will need to plan what to do after the deadline. There are a handful of other types of claims that these companies can take on, for example, flight delay claims or payday loans, with the latter increasing significantly and even causing the collapse of Wonga into administration.

Thankfully, to handle a large volume of claims, the best PPI claims companies use effective claims management software. This enables customers to be automatically updated about their cases. For companies, checking the progress of a claim and chasing up with the bank is made significantly easier.

The banks will be bracing themselves for a busy 2019. PPI claims have impacted Lloyds Banking Group the most. In the first half of the year, nearly 20,000 complaints to the Financial Ombudsman service (FOS) were about Lloyds. The bank is no doubt preparing for a busy eight months as it aims to resolve all claims and hopefully be free of refunds.

The third biggest offender of PPI claims is Barclays Bank. The bank has come under fire this year for wrongly telling people they didn’t have PPI policies. In addition to this, Barclays Chairman John McFarlane stated that many PPI claims were fraudulent, with people simply wanting to get extra cash.

What Will Happen after the PPI Deadline?

30th August 2019 won’t quite be the end of PPI claims for the banks or claims companies. Many claims will still need resolving. This means bank employees will continue with any outstanding investigations. PPI claims companies will also be following up with the banks and notifying customers when their claims are resolved.

Those who have sent their PPI claims to the FOS for review may have to wait even longer for a result. The FOS has received a considerable number of claims from those who have decided to challenge the decision made by their bank. The backlog means that some people will not find out the result of their PPI claim until potentially long after the deadline, as the FOS seeks to review and resolve all cases.

Becher Chase Reaction 2018

Baroness Dido Harding was certainly talking the talk on Saturday afternoon after her horse, Walk In The Mill, was the brave winner of the Becher Chase at Aintree.

Owner and former amateur rider Dido Harding, who won the Cheltenham Gold Cup with Cool Dawn in 1998, was totally elated:

“We were hoping to run him in the National in April, and he went lame overnight.

“So actually, from that day, this has been the target.

“Rob and Louisa (Robert Walford’s wife) have done the most amazing job getting him here – and stopping me riding him as well, which is a big part of the training job, I fear.

“I think it will be hard to say no (to the National this time), after watching that. But I have to say the temptation to get the riding permit out would be really very strong.”

Trained by Robert Walford and ridden by James Best, the eight-year-old powered away from his rivals around the Aintree elbow to get the better of the running-on Vieux Lion Rouge, with Ultragold, another Aintree fences “veteran”, back in third.

Walford said of his winner: “We knew he was in good form. He jumped great, and James gave him a great ride as well.

“We know the plan – there’s only one way to go, the Grand National. He’ll get a run now – that’s the main thing – so we probably won’t see him a huge amount (before the race).”

Jockey James Best is already relishing the return trip to Merseyside next April, saying: “I know this isn’t the National – but what a thrill. He’s just incredible, jumps from fence to fence.

“Midway through, I thought; ‘We could run a big race’. I thought; ‘Just throw him at the last’, land running – and away we’ve gone.

“April can’t come soon enough.”

Pond House trainer, David Pipe, was clearly very happy with the performance from Vieux Lion Rouge on the day: “He’s a run a cracker and galloped all the way to the line,” said Pipe.

“It was fast and furious – even in these conditions – and he would need to keep up with the pace a little more in the National on better ground, but he’s got a great record round these fences.”

Although the nine-year-old has struggled to quite see out the 4 miles in the Grand National on his three previous attempts, Pipe believes that on this latest Becher Case evidence, he looks like he may need every single yard of it now.

The Professor Caroline Tisdall and Mr John Gent owned gelding will be back in April to run in the Grand National once again, should everything go to plan with him.

The two-time Topham hero Ultragold, who finished in third place, clearly handled the step up in trip and there are plenty of positives for him going forward.

Assistant trainer, Joe Tizzard said after the race:  “He’s brilliant around here; he just gets into that lovely rhythm. The trip wasn’t a problem today, which was always in the back of my mind, and it’s a big plus for him looking forward to the Grand National.”

Fourth placed Call It Magic will have a Grand National entry but will probably head towards the Topham instead.

Trained by Ross O’Sullivan, the eight-year-old made a bold bid to make all of the running, but faded back into fourth after his early exertions.

County Kildare trainer O’Sullivan said: “We’re thinking of the Topham. We’ll enter for the National, but he’ll have to go up a few pounds to get in.”

“The way he took to those fences, the long-term plan has to be to go back there. We got a great thrill out of it and we can’t wait to take him back.”

Best Grand National Prices for the Becher Chase top four:

  • Walk In The Mill (33/1 Paddy Power)
  • Vieux Lion Rouge (33/1 William Hill)
  • Ultragold (40/1 Betfair)
  • Call It Magic (50/1 Bet365)

Introduction to Trading Bitcoin

Bitcoin has been a prominent name in the financial world over the last few years thanks to its strong price advance. This article will tell you how to trade and make profits from this cryptocurrency.

What Is Bitcoin?

Bitcoin is a new kind of currency which was first published in 2009 by an anonymous person called Satoshi Nakamoto. The most prominent advantage of Bitcoin compared to normal currencies is low-cost since transactions via the Bitcoin network are made with no middleman. Thanks to that, this cryptocurrency has quickly been appreciated by people.

Nowadays, there are many companies that accept transactions using Bitcoin. You can use it to shop for furniture on Overstock, to buy Xbox games, or to book hotels on Expedia. Howbeit, people mostly buy the cryptocurrency with the hope that its price will increase in the future.

In 2017, Bitcoin has towered above $20,000, but thereafter it has gradually been decreasing and now is trading around $6,300.

How to trade Bitcoin?

There are two ways for you to trade Bitcoin: using a crypto exchange or trading CFDs via a Forex broker. The details are as follows:

1. Trading Bitcoin via a crypto exchange

With this way, you will have to choose a trusted crypto exchange and open an individual account. There are a variety of reliable exchanges in the market, and the most outstanding names in 2018 include Coinbase, Coinsquare, Kraken, Cex.io, and Shapeshift. Each exchange has different requirements and trading conditions so you should use the following checklist to opt:

  • Reputation: You can check an exchange’s reputation by researching on the internet through reviews from individual users and well-known industry websites. You can also ask about an exchange on large cryptocurrency-related forums such as BitcoinTalk or Reddit.
  • Fees: Make sure to check fees charged by the exchange, including deposit, transaction and withdrawal fees.
  • Payment methods: Check what payment methods the exchange offers. The more options available, the better. The payment methods that most crypto exchanges provide include Credit/Debit Card and Wire Transfer.
  • Verification requirements: Make sure to check and complete the exchange’s verification procedures before starting trading.
  • Geographical Restrictions: Check whether the exchange provides you with a full access to all functions in the country you are living in.

2. Trading Bitcoin with a Forex broker via CFDs

A contract for difference (CFD) is an arrangement to exchange the difference in price of an asset between two parties for a specific period of time. You can use CFDs to speculate on the price movement of various financial markets, including forex, commodities, indices, bonds, shares, and cryptocurrencies.

To trade Bitcoin CFDs, you also have to choose a reputable forex broker and open a trading account. You can use the checklist above to check a broker.

The Advantages of Trading Bitcoin via CFDs

Compared to trading with a crypto exchange, trading Bitcoin using CFDs is much more advantageous. Below are the outstanding points:

  • CFDs allow you to trade Bitcoin without actually having to own it.
  • To start trading Bitcoin on crypto exchanges, you will have to complete lots of complex procedures. Meanwhile, forex brokers only require a few simple procedures to start.
  • CFDs are low-cost.
  • With CFDs, you can benefit from both upward and downward movements of Bitcoin.
  • Most forex brokers are regulated, while crypto exchanges aren’t. Trading with a licensed broker is definitely safer than trading with an unlicensed one.
  • At forex brokers, you can use leverage to magnify your gains.

Conclusion

We have just shown you the 2 popular ways to trade Bitcoin. Which way you choose is up to you; however, we suggest you should use CFDs to trade Bitcoin since this way is much more beneficial. Besides, you should also equip yourself with sufficient investment and trading knowledge before going live with this cryptocurrency since Bitcoin is a volatile asset.

Top ways to get the most out of your workforce

Sir Richard Branson once said: “Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients.” This quote from one of the most successful entrepreneurs of modern times shows just why your workforce is so key to your success. Many people will focus on recruiting the best talent, which is naturally important, but then forget to get the best from them. This is a big mistake!

Getting the best out of your workforce is vital as it enables staff to perform to their maximum capabilities and provide the best service to your customers.

How to get the most from your employees

If you are looking at how to get the most from your staff, then there are some amazing tips to help:

  • Drug testing – if your staff are misusing illegal drugs or legal highs, then they will simply not perform to the best of their ability. To guard against this, many companies will perform on-site drugs tests to enable them to help staff in this regard. There are many innovative drugs testing companies that can help now, with 24-hour drug test results available for a quick turnaround.
  • Show recognition – one great way to get more from the workforce you have is to show them recognition and reward when they do an excellent job. This will show them that you value them as employees and give them extra motivation to work to their maximum abilities. It could be something as simple as an email to say well done or a small bonus in their monthly wage packet.
  • Be clear on their role – many companies fail to extract the best from staff because they are not clear with them on their role. Be sure to let staff know what is expected of them and what their areas of responsibility are. Be doing this, you are allowing them to be in control of their tasks and will get more from them.
  • Training – as well as helping staff by being clear on what their role involves, you should also make sure that they have the training needed to do it. Many companies do not provide the initial training required or updated training over time, which means that staff cannot perform to their best. Make staff training an ongoing concern to avoid this problem.
  • Communicate effectively – communication is a massive issue in business. Being able to talk to staff in a clear and professional manner is vital to make them feel included. It will also help boost employee morale as they will feel part of what is happening and happy to follow your lead. Make sure to include your staff in any important decisions and always keep them up to date with the latest company news.

Take action now to get a more productive team

Making sure that your workforce is working to their best will make for a happy team that is more productive. It will also ensure that your customers get the best service possible and help to make your business a success. Hopefully, the above tips will give you a good start on how do this.

Financial advice: how it can turn your business around

Studies have shown that there are over 5,000 financial advice firms operating in the UK, and they’re used for everything from mortgage applications to the creation of investment trusts. However, from the point of view of a business, financial advisors have lots of other potential uses. They can help you manage your tax burden, for example, while they can also advise on stock market floats and the buying up of shares in other firms. This article will explore these themes and explain why good-quality financial advice can be vital for a firm such as yours.

Reason and strategy

As an entrepreneur or business leader, times can sometimes get tough – both in a financial sense and in an emotional sense. On the latter point, it’s sometimes tempting during stressful times to make business decisions based on what seems like the easiest or most satisfying option. However, this is not always a good idea. With a financial advisor on hand, you’ll instead make choices that are based on reason and strategy as opposed to stress-induced feelings. In the long term, you’ll be grateful that you prepared for the tough times by hiring an independent external advisor who can see the picture more clearly.

Tax rules

It’s the bane of every business’s life, but it’s something that can’t be avoided. Tax is a certainty – and whether you’re paying corporation tax, income tax, VAT or a mixture, there are all kinds of rules for your business to follow. A financial advisor can help you in this regard by pointing out what your business’s tax obligations are and ensuring that you know your legal, above-board options for structuring your business in a way that makes it as tax efficient as possible.

Stocks and shares

For many businesses, stock trading is something that only comes into play when the firm considers selling off some of its own equity, perhaps in the form of an initial public offering (IPO). If you’re planning to do this, then it’s definitely wise to hire a whole group of financial advisors with a special interest in stock market floats.

However, some firms also choose to buy the stocks of other firms in a speculative manner, especially if they have high cash reserves to spend. This isn’t always the right choice, especially if the firm doing the buying may need the investment cash in the future, but it can sometimes suit. Speaking to a financial advisor can help to clear up any confusion. A good weekly stock calendar can also help you here if your business plans to go down this route, so it’s worth looking for one of these as well as speaking to an advisor.

In a world where the wrong financial decisions can have long-lasting effects, it’s essential to obtain financial advice before going down any particular route. This is especially true in the world of business, where the wrong choices can not only impact your profits but also harm your employees’ prospects. If you require explanations, information or suggested courses of action, then don’t delay: get in touch with a financial advisor today.

How Businesses are Learning to Adapt to the Demands of the Millennial Demographic

One of the biggest challenges for any business is to identify target markets and successfully appeal to them. In recent years, the demographic known as Generation Y or Millennials have become the main focus of many businesses in the entertainment and leisure sectors.

Culture drives many retail sectors, as does technology, and millennials are the first generation to be considered fully native digital users. Their lives are driven by technology and that technology is changing the way they engage with retail processes.

They are used to relying on mobile technology to get things done. Whether it is organising travel, shopping or arranging social events, everything is done from a handheld device. And millennials are adopting this behaviour at a very young age.

For entertainment and leisure business to be successful, it is important they understand and appeal to this market. Not just in the way they use technology, but also in the image they present to this demanding group.

Millennials are less brand driven overall, although they do form emotional attachments to brands they feel in tune with, such as Apple. They are less interested in buying magazines and rarely watch TV through traditional means, so reaching them requires a different approach. As the internet is the driving force behind their lives, it is also the place where businesses have to make their presence felt.

Major brands such as MTV have spent a lot of time and money studying what makes millennials tick. They found them to be less definitive when it comes to moral issues and more likely to take context into account when making a moral decision. They also discovered millennials are confused by mixed messages sent by media sources and are therefore more likely to seek their own truth.  They are also keen to challenge injustice and many feel they need to play the system to get ahead in life.

Getting yourself on the radar of such a complicated generation is not easy. Especially when your business sector has traditionally targeted older generations. For example, the game of bingo was once seen as a fun activity for people of a certain age, but that is no longer the case with more young people now enjoying the game. Online gaming sites such as Buzz Bingo have brought their product to millennials by offering bingo alongside more familiar pursuits such as video slots and casino games.

Today’s generation still like to play games and gamble but they expect to be able to do it on the move. So offering a slick and simple application or web service that can be accessed on any device is key. Millennials are less concerned about brand names and more about quality and ease of use. Their world is complicated enough, they just want technology that does the job and does it quickly.

Once described as the Me Me Me Generation by Time Magazine, Millennials are no longer so misunderstood. In fact, the impact they have had on marketers and advertisers means they could end up the most understood generation ever. Placing everything they need at their fingertips is not pandering to a spoilt generation, it is simply being aware of how they have been nurtured in a fast-moving digital environment.

Publishing industry on borrowed time as self-destruction eBooks go on sale

Mission: Impossible-style ebooks which self-destruct after reading went on sale in Britain yesterday.

Digital products at the Nobu.store are fitted with electronic fuses that are set to ‘detonate’ when the rental period expires.

Consumers have between two and 20 days to read the book before a ‘coded bomb’ explodes and wipes “every trace of data” from their smartphone or tablet.

Similar software is already in use for movie and box set rentals, but it is the first time that so-called “timestamp tech” of this kind has been applied to the publishing industry.

Until now, publishers have only managed to restrict access to expired downloads, rather than permanently removing them from a user’s device.

The technology, which is patented but “highly secret”, is currently used on the Nobu.store site for electronic book, magazine and movie rental in PDF format. Ebooks are read on the Nobu Reader app.

But the “self-shred” software, which is embedded into the PDF code, could also prove invaluable for the military, governments and other publishers of sensitive data.

Without it, old devices discarded by spooks, soldiers, doctors and CEOs could provide enemies and competitors with a “treasure trove” of confidential information.

Speaking yesterday the bookstore’s billionaire founder, Nobu Su, said: “Nobu.store provides publishers and authors with the first platform of its kind that rents ebooks or other works for a specified period of time.

“But it is also the world’s first marketplace that utilises timestamp technology to completely remove every trace of data from a user’s device after that rental period has expired.

“As such, it helps consumers by removing old data and memory from their device, and it helps publishers by protecting their copyright against piracy.”

Nobu, the chairman of shipping firm TMT, added: “In time, it will no doubt prove a useful tool to those corporations and governmental organisations who need to protect important data from falling into the wrong hands.”

The right public liability cover can be a crucial line of defence for construction firms

The world of construction can be fraught with risks, many of which posed to members of the public. This can be especially problematic in a financial sense – as, if your working practices lead a member of this group to pick up an illness or injury, they could respond by suing your construction firm.

For this reason, it’s crucial not to underestimate the worth of taking out public liability insurance. The right policy can help you to ensure that your company is covered in the right places.

How might construction firms inconvenience the public?

There are various ways in which a blunder on the part of you or your workers can give rise to an injury or illness prompting legal action. Where you carry out construction work could already be a very public place, such as on scaffolding above a stretch of readily accessible pavement.

Should you drop a tool that falls off this scaffolding and hits someone to injurious effect, you could be quickly faced with a compensation claim. Similarly, you would be liable if the scaffolding itself falls onto a passer-by with the same result, or your company’s building materials are haphazardly scattered around where they lead someone to trip and consequently suffer a major injury.

You could also find yourself in legal trouble if your company’s work causes damage to a property or car owned by a member of the public. Imagine if that dropped tool hit and so dented a car rather than injured a person. Meanwhile, a property could be in jeopardy if it neighbours your construction site and you aren’t sufficiently careful to prevent that nearby building becoming damaged.

In any of these cases, you could soon have legal costs and expenses to pay in defending a claim, as the Federation of Small Businesses acknowledges. Furthermore, if you lose the case, you would need to make a compensation payout. Fortunately, public liability insurance can cover all of these costs.

Practice diligence in your search for public liability cover

When looking for public liability insurance, remember that not all policies are created equal. The Planning Portal site says that most insurers offer such cover in the region of £1 million to £5 million. Where exactly within this region you should buy might depend on whether your contracts stipulate a specific level of cover, so check those contracts closely.

You should particularly keep in mind that, as a construction worker, the level of risk that your firm daily undertakes could be higher than that of a firm in a trade other than construction. For example, if your daily job could – if it went wrong – seriously injure passers-by, the risk would be high.

You might find it helpful to utilise services of insurance specialists capable of assessing your particular risk profile before presenting an insurance quote to suit. In the UK, Tradesman Saver is a good source of construction public liability insurance tailored to particular needs. Tradesman Saver also includes products liability cover with all of its policies.

Exploring Bridging Finance for Short-Term High-Value Loans

Bridge loans are commonly used by businesses and individual entities to provide short-term financing. With bridge financing, businesses may receive the capital they need for immediate use while arranging long-term financing.

These loans are often available in amounts up to 25 million pounds and typically carry short terms. In fact, most bridge loans have a length of two years or less.

The bridge financing sector continues to grow at a rapid pace. Less than a decade ago, this sector in the UK was valued at around 750 million pounds. It is currently valued at over 4 billion.

For those looking for a short-term financing solution, it may help to learn more about bridging finance.

What is Bridge Financing?

Bridge financing refers to a method for bridging the gap when your business needs to cover major expenses. Businesses may use a bridge loan to gain more capital for short-term expansion and other business plans.

As these loans are often high-value loans, they need to be secured with collateral. Typically, real estate properties or other business assets are used to secure the loan. The collateral also helps businesses receive a generally low-interest rate. In fact, most bridging finance loans carry an interest rate between 0.6 and 2.0 percent.

Due to the demand for bridging finance, there are close to 40 major UK lenders that offer bridging finance. There are also several thousand brokers available to help businesses with their financing options.

The lenders are divided into two groups. There are non-regulated and regulated lenders. While both groups need to comply with the FCA guidelines, lenders that are not regulated are not required to complete a credit score check.

Businesses and entities with lower credit scores may seek financing through a non-regulated lender. However, these lenders are also more likely to offer a higher interest rate.

There is an important note about using a non-regulated lender. When applying for a loan, you cannot use your primary residence as collateral to secure the loan.

New Businesses May Benefit from Bridging Finance

Bridge loans are typically used by businesses when they do not have the capital to complete a specific project, such as opening a new office or upgrading their facilities. However, start-ups may also benefit from bridging finance.

When you are first trying to get your business up and running, it is easy to burn through your available start-up capital quickly. With a bridge loan, start-ups can receive the financing that they need to speed up their business growth. Using these funds, businesses can buy new equipment or hire new workers.

Bridge Loans are Also Available for Homeowners

Besides businesses, homeowners can also apply for a bridging loan. For example, when purchasing a new home, you may require funds from the sale of your existing home to cover the mortgage for the new home. A bridge loan can cover this gap.

Using bridge financing, a homeowner has the option to move forward with the purchase of a new property. When the existing home is sold, the sale of the home is used to pay off the bridge loan.

In the end, bridging finance is a convenient option for short-term loans when your current funds do not cover your financial needs. Most often, the loans are used to cover a temporary lack of funds to prevent any reduction in business operations. If this applies to your situation, consider getting a bridge loan to cover your costs.

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