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How to write a business proposal

Sam Allcock
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How to write a business proposal

Congratulations! Things are looking good for your new company, and you need to write a business proposal. But where do you start? Read these top tips to make sure you include everything you need – and leave out anything you don’t.  

Set the tone with a professional Title Page

Your title page is especially important if you are sending an unsolicited business proposal to a potential new client. This space sets the tone for the rest of your proposal and allows you to say who you are and introduce your company’s name. And remember – first impressions count, so use this page to establish a tone of professionalism. 

….and a simple Contents Page

Equally, the contents page puts your prospective new client at ease, showing them that your proposal is easy to navigate and clearly set out. Don’t be tempted to include too much information here – just the bare bones of each section, to help direct them to the relevant section.

Be specific with your Executive Summary

This is your chance to explain why you’re sending your proposal. Sell your business’s services and explain how they can help your client with theirs. Don’t go overboard with writing; this section should be straight-to-the-point.

Show you understand their problems

Convince your prospective client that you know the challenges they face. Do your research well for this one, and you can really build a relationship. If your prospective client thinks you know what they need (be as specific as you can here!) and understand the difficulties they are facing, you’re creating a pathway to collaboration.

…..And show how you will solve them

Especially if you can move on to explain why your business can help. Now, this is a crucial part of your business proposal, because this is where you really sell your services. Explain why you are the best company to help with their problems. Tailor-make your solution for the client, and explain exactly what you’ll do – and the methods you’ll use to do it. You might want to include specifics here, such as timeframes, numbers and details. Detail any experience your company has solving similar problems, so you are showing that you’re a trustworthy option. Anything which can boost your authority with the client will improve your chances of securing new business.

Prove you’re serious

Your prospective client might receive dozens of business proposals. Make yours stand out, not only with your clear plan and professional tone, but consider sending promotional merchandise together with your proposal. National Pen has a range of corporate merchandise available for customisation. Not only will you look like you’re serious and know what you’re doing, but your promotional merchandise might hang around on their desk for a long time to come. This is a great way of increasing the longevity of your business proposal – each time they catch sight of your promotional goodies, they’ll be reminded of the services you offer.

Don’t cut corners

Once you’ve got your business proposal written on paper, don’t be in too much of a hurry to send it off until you’ve checked, double-checked and triple-checked it! Belt and braces is key here; you don’t want to spend all that time dreaming up your solutions to their problems, and find you’ve addressed it to the wrong person. Proofread your work, too – there is nothing worse than a typo to make your business look unprofessional!

Ready to get started?

Now you’ve read through our words of advice, you are ready to go and make new collaborations and let your company soar! So, what are you waiting for?

The Best T-Shirt Fabrics For Those Who Sweat (A Lot)

Sam Allcock
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The Best T-Shirt Fabrics For Those Who Sweat (A Lot)

So you’ve made plans (after a year of sitting at home!), got your outfit laid out, put your favorite tee, trousers and sneakers on, left the house and…Your pit sweat stains are the size of dinner plates in 5 minutes!

There goes your confidence, and now you have to keep your hands glued to your sides all day long. 

Listen, sweating will happen in summer, and that’s a fact, but besides showering and using good deodorant, you can also wear more breathable t-shirts to stay fresher and less damp.

Here are the best t-shirt fabrics for people who sweat a lot.

Sweat absorbing vs. Sweat-wicking 

You may have heard that t-shirt fabrics can be either sweat-absorbing or sweat-wicking. But what’s the difference? 

Generally, when you’re looking for a t-shirt for work or any everyday casual situations like meeting up with friends, running errands around town, or simply hanging out, you want sweat-absorbing fabrics. 

They will keep your body cooler, are more comfortable, breathable, and do not retain bad odors (there’s a limit to everything, of course!). 

For working out, exercising, going for a hike, or traveling, you may want a sweat-wicking fabric tee because it keeps the sweat away from your body, allows it to cool off quickly. However, you want to stay away from these fabrics in any other situation if you don’t want to add extra sweat to your day.

The most important thing, though, is to always get high-quality t-shirts like the ones from Fresh Clean Tees to ensure you’re regulating your body temperature the best you can. Find out how to choose the best t-shirt material here.

Sweat absorbing fabrics 

Unless you’re an athlete or workout nut, you’ll probably need more sweat-absorbing t-shirts, so let’s take a look at which fabrics are your best choices. 

Cotton. Cotton is your number one choice and the definite winner of this unofficial competition. 

Lightweight cotton is made from natural fibers and is very breathable, so you won’t feel damp because the air can circulate freely throughout the fabric. And when you do inevitably sweat, it dries out pretty quickly. 

As it absorbs moisture, cotton keeps you feeling more fresh as the sweat doesn’t stay on your skin.

The only thing you want to pay attention to is the t-shirt color. For example, light grey will expose even the tiniest sweat stains. It’s also crucial to get lightweight cotton and not the heavy one to keep the air flowing freely.

Also, keep in mind that cotton creases pretty easily. 

Linen. While linen t-shirts may not be the most popular ones, keep it if you get your hands on one. It’s an excellent choice for the summer! 

According to Elle, linen is a loosely woven, natural fiber which allows heat to escape from the body, it absorbs moisture and dries quickly.

The great thing about linen is that it also doesn’t cling to the body, keeping you as cool as possible.

The only downside of linen is that it wrinkles pretty easily, so you might want to adopt an “I don’t care” mentality here and embrace the wrinkles.

Merino wool.  Wool and summer don’t seem like something that goes together, but they actually do! Merino wool is a natural fiber that’s a perfect choice for your t-shirt this summer!

It draws the sweat away from the skin, regulates body temperature, neutralizes bad odors, dries fast, and is wrinkle resistant. 

Merino tees are a great option for hot days out or to wear under e.g., a dress shirt in the office to keep the sweat stains away.

The downside? They’re pretty pricey!

Bamboo. Another natural fabric, bamboo, is super soft and very breathable.

A bamboo fabric t-shirt is a great option for those who live in hot and humid areas as the fabric’s resistant to mold, bacteria, mildew, and keeps bad smells away. 

Fabrics to avoid

As StitchFix explains, sweat-wicking fabrics are usually made from high-tech polyester that has a moisture-absorbing finish. This fabric works to draw moisture away from the skin to keep you cool and dry.

Unfortunately, most sweat-resistant and moisture-wicking fabrics are synthetic and often of poor quality, which makes you sweat even more. Not cool, not cool.

Here are the fabrics you should avoid:

Polyester. The moisture sits on your skin or gets pushed to your outer layer, not what you want if you sweat a lot.

Rayon. While rayon isn’t technically entirely synthetic (it’s man-made from cotton, wood pulp, and other natural blended or synthetic fibers) and is lightweight, it still doesn’t absorb sweat and keeps you sweating more. 

Nylon. Nylon is 100% synthetic, not breathable, and will easily trap heat and moisture, making you sweat more. 

How to successfully present a property development deal: 8 simple steps

Rachel Sterry
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How to successfully present a property development deal: 8 simple steps

Debt lenders and lenders process thousands of property deals and development proposals every month. However, they only finance a select handful. So how do you make sure that your property development deal stands out from the rest? These are the eight simple steps that every builder and developer must follow while putting together their proposal to ensure successful and secure property development finance for their upcoming project. 

1. Presentation

A lender should be able to understand the deal within seconds. The better the deal is presented, the easier it is for the lender to read and understand.

2. Headlines and sub-points

Divide the proposal into headlines and subpoints so the lender can simply glance through the proposal to understand it; profit margins, development details, site and location – headline everything.

3. Numerical appraisals

Always check and double-check the numbers in the proposal. One small mistake and it could be a deal-breaker.

4. Share all the information

How did you calculate your total costs? How did you reach the GDV? Don’t expect the lender to believe that you understand the market, instead show them how well you know the market! 

5. Paint a picture

Investing in something one can picture is easier than investing in hypothetical numbers! So share a picture of the upcoming development or the blueprint.

6. Experience and reputation

Let the lender know about your previous projects and developments as that shows your experience in the industry. 

7. Share details

Share the details of everything – purchase cost, development costs, professional fees, profit on cost, gross development value, etc.  

8. Consider the downside

Always have space for a contingency budget. Consider downsides such as increasing building costs or decreasing sales and calculating profit margins accordingly. 

Does the CBD+CBN combo have any luck with treating seizures?

Sam Allcock
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Does the CBD+CBN combo have any luck with treating seizures?

Sudden and uncontrolled disturbances in the brain that interrupt the regular neural connections cause seizures. Various reasons, ranging from high fever to concussions, sleep deprivation, drug abuse, or epilepsy, can lead to convulsions. We generally administer anticonvulsant medications to the patients having attacks. But there is a slim chance for such medicines to work for all. Additionally, the side effects associated with anti-epileptic and anticonvulsant drugs sometimes outweigh their benefits. The inefficiency of these medicines makes us ponder that we need many improvements regarding better drugs and treatment options. New methods to combat seizures in the populace are under constant research.

CBD oil with CBN is an all-natural product that can help with seizures without any common medication drawbacks. We get CBD or Cannabidiol from the Cannabis Sativa plant. It bears no association with the feeling of mind-altering “high.” So who consumes CBD? People who have anxiety, chronic pain, insomnia, stress, and other related conditions take CBD to help ease the symptoms, more often than not, as a medicine. Cannabinol (CBN) is another cannabinoid that has slight psychoactive properties but high medicinal potential.

Cannabinoids for seizures?

China and India had acknowledged the medicinal use of cannabis for centuries. By the 19th century, the therapeutic use of cannabis derivatives had already reached Europe and the US. Preclinical trials have observed anticonvulsant activity of CBN and CBD with minimal adverse effects. Moreover, simultaneous administration of CBD and CBN in studies has resulted in precise beneficial interactions.

Human studies are limited, but optimal observations promise great results. For example, CBD plus CBN administrations have helped treat adult and infantile seizure activity, especially when given high doses. In addition, the oral ingestion of CBD+CBN isolates promotes sleep, reduces anxiety and depression symptoms, relieves stress, displays antioxidative properties, and relieves pain. It proved to be a well tolerant drug showing minimal side effects.

CBD and CBN combination is legal in several states of the US and Canada for the treatment of epilepsy and other seizure-related symptoms.

CBD for Seizures: What does the research say?

The Food and Drug Administration (FDA) has approved Epidiolex, a refined type of CBD, to treat convulsive activity and drug-resistant epilepsy.

A review notes the potential benefits of CBD:

  • Reduced inflammation
  • Antioxidant properties
  • Antipsychotic properties
  • Neuroprotective substance
  • Adjunction to some cancer treatments
  • Immunosuppression

A 2020 review concluded that CBD could be a potential treatment option for a variety of neurodegenerative diseases. Ongoing research suggests CBD can potentially treat Parkinson’s disease, Alzheimer’s disease, epilepsy, and multiple sclerosis. Much of this evidence originates from the results of small or dated studies. Thus, newer research studies are needed to corroborate these claims.

How it works

We don’t know much about the pharmacological action of CBD yet. However, the several mechanisms of action and pharmacological effects attributed to CBD have been well documented and are under study. The anticonvulsant effects of CBD were one of the first pharmacological actions defined for this compound back in the 1970s.

The endocannabinoid system of neurotransmitters and receptors found in our body helps regulate sleep, appetite, pain, and immune response. CBD and CBN are said to interact with these receptors to modify bodily functions. Animal trials and studies suggest that CBD displays anticonvulsant properties. It brings down neuron excitability and seizure activity by affecting the GPR55 and TRP1 receptors. Although fewer studies focus on the effects of CBN, the observed sedative and anticonvulsant effects of CBN are similar to CBD. However, higher doses of CBN showed anti-epileptic results in studies conducted on mice.

In a 2018 review of studies, cannabis products rich in CBD appeared to be more effective at reducing convulsant activity than pure CBD. The entourage effect of cannabinoids contributes to this result. CBD taken in combination with CBN reinforces the anti-convulsant, sleep-aiding, pain-relieving, and other calming effects. The side effects associated with CBN or other cannabinoids are also restricted by CBD and vice versa, making the CBD+CBN combo a better choice than the isolates.

There is contradictory information about the pro and anti-convulsant effects of smoked cannabis. But some blame it upon the varying amounts of THC and other cannabis derivatives found in the unregulated commercial product. According to a 2020 study, patients who used a commercial CBD product had a 70% rise in seizures, whereas those who took prescription CBD showed a 39% reduction. Thus, it is essential to ensure the purity of the CBD and CBN in the product used to treat seizures. CBD+CBN oil is one of the best ways to consume the two cannabinoids safely and healthily.

Concerns and Side effects of CBD+CBN oil

CBD and CBN have good safety profiles – high efficiency and minimal risks. However, interactions with other medicines can prove to be detrimental to the overall health of the patient. It would be best to carefully consider the additives present in CBD oil during treatment headed by a professional or self-administered. In specific trials, patients who used CBD+CBN products had an increase in the number of seizures. However, there is ongoing research to optimize chemical concentrations.

CBD oil isn’t a miracle cure. It doesn’t eradicate epilepsy, but it can help eliminate or reduce its symptoms. In addition, CBD oil may allow patients to ease off of other drugs that have serious side effects, including anemia, low platelet levels, liver failure, pancreatitis, and allergic reactions. If you are using CBD as an anticonvulsant, abrupt change in medicine is inadvisable.

Conclusion

Research regarding CBD and CBN efficiency in treating seizures is still ongoing. Using CBD+CBN natural remedies as a replacement for traditional therapies is not viable yet; however, their potential as an alternative therapy is evident. Nevertheless, CBD and CBN still need more research before concluding their viability as a definite treatment for seizures.

You should take CBD derivatives like CBD oil with CBN for sleep, pain relief, anxiety and depression, stress, or other issues only after consulting with a doctor. Since there isn’t much information available about CBN, several factors like age, health, and other medical conditions should be intimated to the physician to determine the appropriate dose and dosage.

Ten easy ways to enhance your CBD vaping experience?

Sam Allcock
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Ten easy ways to enhance your CBD vaping experience?

In today’s fast-paced and hectic environment, we seek quick results. Everything instantly is gaining popularity. May it be instant noodles, instant pain reliever, or instant pick-up. Today youth have to deal with all kinds of mental pressures. Pressures to fit into the so-called social society. Tensions relating to studies, then obligations relating to job stability. Demands relating to relationships and family. Due to these pressures and to keep up with this everyday changing world, we neglect our physical health. Sometimes it is seen that we tend to take refuge in habits like smoking, drinking alcohol, and even addiction to drugs. Smoking has become a modern trend amongst the youth. Even teenagers are smoking these days. We all are somewhat aware that regular smoking can cause lung cancer; however, do you know its death rate is much more than any other form of cancer? Further, smoking causes COPD, heart disease, asthma, diabetes, and arthritis.

To escape from our current mental state for some time, we tend to adopt methods that will get us high. People are going for alternatives like vaping (smoking through e-cigarettes or other devices), considering it to be less harmful. A new emerging trend with youngsters these days is CBD oil vaping through CBD cartridges, CBD vape juice, and other CBD strains.

What is CBD oil?

CBD oil is made by extracting CBD from the cannabis plant. It is then watered down with carrier oils like coconut and hemp seed oil. CBD is a chemical compound derived from the Cannabis sativa plant, which contains less than 0.3% of THC, unlike marijuana. Thus, it helps treat various medical conditions these days.

Some health benefits of using CBD include:

  • Can relieve pain
  • Can reduce anxiety and stress
  • Can reduce the frequency of seizures
  • Can reduce skin-related issues like acne
  • Is being used in cancer treatment.
  • Can benefit heart health

All you need to know about CBD oil Vaping

Vaping CBD oil is a new trend among today’s young generation. It is becoming a popular way to take CBD. We should know that vaping is still an unsafe practice and can cause lung injury, which is nowadays called EVALI. If vaping CBD oil, one should take most care of the products they use. With a large assortment of CBD products available in the market, you should choose the appropriate one after doing your research. One must have observed that people wanting to quit smoking also tend to opt for vaping for the transitional period. Nevertheless, this method may be less harmful but not 100% safe.

Some ways in which you can enhance your CBD vaping experience:

  1. If using medications for different illnesses, always consult a doctor before incorporating CBD in your daily regime in any form.
  2. Though CBD oil is the best way to take CBD, one should understand which ones are for vaping.

          Various types of CBD that can be used for vaping include:

  • Vape juice: Generally termed as CBD vape oil, it is a combination of multiple food-grade ingredients. It does not contain oil. The product label should mention vaping, e-juice, or vape juice.
  • CBD cartridges are disposable e-cig tanks filled with e-juice or CBD juice. These are easy to install in a vaping device.
  • High CBD strains: Flower of the cannabis plant, being the most natural form, can give around 150-250mg per gram. They are vaporized using a weed vaporizer.

    3. Another significant factor in your vaping indulgence is the right kind of device. Some                  products used for vaping are:

  • e-cigs
  • e-hookahs
  • vape pens
  • mods

      It is necessary to choose the right ones for CBD.

     Some specially designed CBD vaping products are:

  • CBD vape pens
  • THC oil pens
  •  Portable Cannabis vaporizers
  • Desktop vaporizers

  4. Is CBD legal in your area: A crucial factor before buying CBD in any form. One should do enough research to find the legality issue of CBD in your state. Though in most Cannada, the USA, and Brazil, it is legal. Still, some states demand a doctor’s prescription for its purchase.

5. No one dosage is advisable for all. Some factors that decide your dosage may encompass tolerance levels, body weight, and healing symptoms. The best way to start is with a minimal dosage of 1-2 mg and then increase according to the effects.

Keep a close watch on how you feel after each dose and further increase and reach the right one.

6.  Next important factor before opting for CBD vaping is to understand the side effects. The most common side effect reported until now is mild drowsiness, experienced mainly through first-time users. With time and regular usage, this side effect may subside. Some other side effects include red eyes, hunger, and dry mouth.

7.  CBD oil vaping is on the rise amongst our youngsters. Hence, it is much more essential to choose it wisely. CBD products should be obtained from a legal source. Reputed brands like Colorado botanicals, Medterra, Nu leaf Naturals, and CBDfx, have an excellent reputation and are trustworthy. These are providing pure CBD combinations with proper lab-tested products.

8. Vaping CBD oil will not get you high. If used to address some medical condition, a doctor’s consultation is advisable. Without health issues, vaping CBD oil can help calm down your body and mind.

9. CBD Vape pens are the best device to start your CBD journey. These are strictly designed for CBD and are available in disposable and rechargeable options. It is wise to commence with small puffs and see the results. Afterward, you can take big puffs without holding for too long. You can increase and decrease the frequency as per your tolerance.

10. Go with the best in the industry for an enhanced experience. Some of the best brands of CBD oil specially curated for vaping are:

  • AVIDA CBD
  • JustCBD E-liquid
  • Blue Moon Hemp
  • CBDistillery E-liquid
  • CBDFx

CBD vaping can prove to be beneficial only if legal and certified products are used, with correct dosages.

Can You Trust Online Kratom Stores?

Sam Allcock
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Can You Trust Online Kratom Stores?

Kratom has taken the world by storm as one of the most beneficial all-natural supplements. Since CBD had its fantastic run in the mainstream due to its many health benefits, many speculate that Kratom might be next.

Unlike CBD, though, Kratom is far, far less researched and studied. Kratom is yet to undergo clinical trials to establish that it is, in fact, safe for consumption. Since it is relatively underground at the moment, finding a reputable seller can be challenging. But, the best place to buy Kratom is always going to be one Google search away.

Many people swear by Kratom, making claims that it helps them with their mood, energy, and anxiety – and it seems insanely popular in things such as addiction recovery. With all that being said, what even is Kratom, where do you get it, and how do you consume it? Well, stick with us and find out.

What’s Kratom?

Kratom is an evergreen tree from the coffee family. It’s native to southeastern Asia, where it is deeply rooted in traditional medicine. Kratom has been used for centuries to treat everything from anxiety to erectile dysfunction, making it a catch 22 kind of supplement.

Most of the countries in Southeastern Asia have banned the use and sale of Kratom, although it isn’t sure why.

Kratom has many alkaloids that supplement its properties, most notably mitragynine and 7-hydroxy mitragynine. These two function in a similar way, binding to the opioid receptors in the brain. While they bind to the opioid receptors, they don’t exactly do the same thing as morphine or other traditional opinions.

Kratom can energize you by a considerable amount. It’s one of the rare supplements that can act as a sedative and stimulant simultaneously.

Is Kratom Legal?

Yes, no, and maybe. Depending on where you are in the world, Kratom can either be criminalized, decriminalized, or completely unregulated. Most places around the world are yet to catch up with the prospect of Kratom and haven’t regulated the sale or consumption of this supplement.

In most Southeast Asia countries, Kratom is entirely illegal for clinical and personal use, and the sale of Kratom is prohibited. In the USA, however, the legal status of Kratom depends on the state. Some states have left it up to the people, others have restricted the use and sale of Kratom, while some have given it the green light.

The shaky legal status of Kratom is primarily due to its relatively new and unexplored status. CBD, too, was choked up with Marijuana and was criminalized for decades before scientists started digging through its health benefits. These days, as Marijuana is legal in many places, its non-psychoactive derivative, cannabidiol, is widely available, legal, and studied.

It’s just a matter of time before it’s Kratom’s time to shine, and as clinical studies come in, we’re sure that its legal status will be updated accordingly.

So Where Can You Buy Kratom? 

Before you get to buying anything, do your due diligence and check the local laws and regulations to ensure that you’re not committing any crimes by buying Kratom. If the law gives you the green light, you’ll be happy to know that you can buy Kratom anywhere.

Kratom is sold in many marijuana dispensaries if it’s legal in the area, and if not, you can most likely find a Kratom dispensary. Now, Kratom is still a bit underground, so you aren’t likely going to find a brick-and-mortar Kratom parlor in the middle of your city.

Instead, most people purchase Kratom through the internet. The world of eCommerce is stocked to the brim with supplements, and Kratom is a rising star among them.

You can find many Kratom dealers and dispensaries on the internet which sell all kinds of Kratom and even offer a range of deals and discounts on the stuff!

In Conclusion

Kratom is a fantastic supplement, and even without the clinical trials that it is yet to undergo, it shows quite a lot of promise. People swear by Kratoms’ fantastic healing properties, and it’s perhaps the most popular natural supplement when it comes to fighting addiction.

Will Kratom follow the same trajectory as CBD? It might, but then again, it works in an entirely different way, so it’s hard to say where we can see Kratom in the next few years. What is for certain is that you should enjoy Kratom while it’s available, and you can do so by finding a vendor on the internet and picking your favorite strain out of the lot.

Call Centre Philippines: Outsourcing 2.0

Sam Allcock
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Call Centre Philippines: Outsourcing 2.0

British businesses are operating in challenging times. Starting with the global financial crisis in 2008, every time the economy appears to be returning to something like normality, everything turns upside down again. From the pandemic to Brexit, the British economy has been transformed. It is an exceptionally tumultuous period, and even if everything goes well, the economic effects will last years, and perhaps decades.

“The challenges faced by companies have never been greater,” says Ralf Ellspermann, CEO of PITON-Global, an award-winning call centre outsourcing provider in the Philippines. “Businesses will always have difficulties to overcome, but when you take economic difficulties and changes in the market rules, and then add in the reaction of customers to uncertain times—demanding better services and lower prices—no one can take their survival for granted.”

Businesses find themselves at a critical point. When times are harder, consumers are more likely to exercise their choice, looking for better service or better deals. Meanwhile, shareholders will also be looking for returns on their investments. Businesses are caught in the middle, having to satisfy both groups while still operating in a difficult economy.

Another trend reveals consumers demanding ever more convenience and better service from companies. Retail has been transformed over the past fifty years, starting with an environment in which specialist stores predominated, then seeing innovations like big supermarkets, retail parks, and shopping malls, through to internet shopping, with delivery times getting shorter and shorter. Many services now deliver goods more quickly than the customer could go out and acquire them from a brick-and-mortar store.

“Some businesses have ridden these trends better than others. Those that were already investing in digital delivery, challenging traditional models with new platforms and services, have been able to swoop in to win customers who were dissatisfied with their previous providers,” says Ellspermann.

Faced with increasing customer demands, however, some companies may have over-compensated. Believing, correctly, that customer service is all-important, they have ended arrangements with specialist contact centres in favour of centralising operations to control them more directly. While an understandable reaction, it has proved a mistake for many. They have not only increased their costs but also reduced their capacity for high-quality customer service.

For many businesses, the wiser move would have been to retain their outsourcing to call centres in the Philippines. Indeed, for some, there are strong arguments that increasing their investment there is by far the best way to improve the service they offer customers.

Call centre outsourcing to the Philippines came to prominence during a period of sustained economic growth. But it is a mistake to assume that outsourcing is beneficial only when times are good.

Many of the arguments for outsourcing remain true whatever the economic situation. Specialist providers can offer economies of scale, providing highly trained and professional staff while minimising the overhead from facilities, HR, IT, agents, and management. And choosing an award-winning contact centre in the Philippines is one of the best options open to any firm considering outsourcing.

This island nation is a world leader in contact centres—more businesses choose the Philippines for their call centres than anywhere else. It offers particular benefits for British businesses. The country has had a long connection with the West, and with a highly educated population, the agents frequently have no accent. Thanks to the cultural connection, they understand the idioms and references, allowing them to establish rapport with customers quickly.

The size of the outsourcing industry provides benefits too. With over 800 providers, it is a competitive market, which creates employment for well over a million Filipinos at every level. This means providers can quickly scale and offer services with experienced, professional staff for almost every imaginable function.

“Above all, it still has the financial appeal that outsourcing has always offered businesses. The cost of labour in the Philippines is significantly lower than the UK, meaning outsourcing can be roughly half the cost of domestic provision. It is also a more prestigious career option in the Philippines than in the UK; experienced call centre operators are well paid, meaning that it’s possible to have both high-quality staff and also realise substantial cost savings,” says Ellspermann.

In challenging economic times, it’s more important than ever to make decisions for the long term. The best decision is to focus on the business’s core function—the product or service that makes the profit—and use the domain expertise of call centre outsourcing providers in the Philippines to manage customer service and back-office support, saving money and improving customer satisfaction. These are the things that help a company weather the economy.

Things to Do If You Are Left Out of a Will

Sam Allcock
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Things to Do If You Are Left Out of a Will

A parent, child, grandchild, or spouse may be left out of a will for a variety of reasons. It may be alienation from a family member, or the testator may have been forced to change the beneficiaries’ names. Whatever the basis for the disinheritance, there are measures that can be done to ensure the will is executed properly for the benefit of the testator and the true heirs of an estate or fortune.

Disputed wills and trusts make an already difficult situation more challenging. It can be confusing, as well. However, there are specific grounds for contesting a will, especially if you strongly feel that you should be in it. Below, we give details of what these situations are and how you can properly address each of them.

Lack of testamentary capacity

To be rendered invalid, it should be proven that the will lacks testamentary capacity. Testamentary capacity means the testator must have the legal and mental ability to write or alter a will. This is especially applicable to older estate owners who do not write their will until they are around 60 years or older. Some older testators may have Alzheimer’s disease, so they would not remember or be aware of what they included in their will. For a will to be considered valid, they must fully understand the contents and know the reason behind each inclusion or disinheritance.

It would be wise to contact the solicitor and/or the will writer to find out what the conditions were during the will’s creation and how it was made. You can also look into the deceased’s medical history, to see whether they had any health issues before signing their will. This will allow you to determine whether they had the mental capacity to comprehend and recall the information in the legal document.

Coercion, fraud and forgery

A testator could be influenced into making a decision that favours another family member over the supposed rightful heir. They could also be coerced into changing the contents of the will, defaming the character of an heir through inaccurate stories, and even constantly asking about the will to indirectly pressure the testator into including them in it.

It may be difficult to prove undue influence because the sole witness, the deceased testator, cannot testify anymore. As for fraud and forgery, it is best to seek the assistance of the police and a handwriting expert to determine the legitimacy of the testator’s signature on the will.

Lack of knowledge and approval

The testator’s approval and knowledge of the contents of the will make it a valid legal document, in addition to other factors. It will be rendered invalid if it was made without the help of a lawyer mainly because they are more qualified to know what the inclusions are in a legitimate will.

Other factors that the claimant could point out to consider the will as unacceptable are the physical conditions of the testator like deafness, blindness, and paralysis; illiteracy; and if the will was signed by someone else.

In case the will is invalid because of lack of compliance and requirements for not seeking the advice of a solicitor, the previous valid will (if any) can be followed instead.

Wills Act 1837

The testator’s will must be written and signed in front of two witnesses attesting to the validity of the signatures and the testator’s intent to establish a legal will. The witnesses must sign the document as well.

If the claimant left out of the will is eligible to make a claim but chose not to question the validity of the document, they can seek to obtain “reasonable financial provision”, under the Inheritance (Provision for family and dependents) Act 1975. The law seeks for family members dependent on the testator when the latter was still alive to be given a share of the inheritance. This is most especially advantageous for those who have been financially reliant on the testator.

You may have felt you were disinherited but, in fact, no will was ever executed. The intestacy rules introduced in February 2020 can dictate what happens to the deceased loved one’s estate and finances if they pass on. If the deceased dies leaving the spouse, children, parents, and siblings, it is the spouse who gets the whole estate, while the parents and siblings do not get anything.

If the testator dies leaving only the spouse and children, the former gets the first £270,000, half of the estate and the deceased’s personal possessions. The children will then receive the other half of the estate when they turn 18.
If you feel you should not be left out of your deceased loved one’s will, seek the advice of the contentious probate solicitors at Claim Experts. Contact them now to schedule an appointment.

Direct cremation: Funeral costs vary wildly across the UK, new research shows

Sam Allcock
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0
Direct cremation: Funeral costs vary wildly across the UK, new research shows

Cremation costs differ widely across the country and the cost is often determined solely by location, new research from Direct Cremation by Harbour has revealed.

The average cost of cremation in the UK is currently £3,885 and that figure is expected to rise to over £5,000 by 2030.

But the exact amount depends to a large degree on where a person is located, which is often unconnected to the cost of living or affluence of that area.

For example, a cremation in East London costs an average of £317 more than one in West London.

The main reason for this is a lack of competition, with the UK’s 300 crematoria able to set their own prices.

Furthermore, planning restrictions make it virtually impossible to build near existing crematoria in order to compete, so there is little incentive for crematoria to reduce their costs. 

Adding to the inequity, the pandemic has led to people paying increased prices for a shorter memorial service and fewer guests. 

Indeed, some venues have only been allocating a maximum of 20 minutes for a service, including the time taken by mourners to arrive and depart. 

It is unsurprising, therefore, that many people are seeking alternatives to a traditional cremation funeral. 

And it’s not just about the cost: people are increasingly seeking a less formal or religious funeral, and a more personal or individual one. 

Direct cremation services versus a traditional funeral 

Direct cremations, which now account for one in every 14 funerals, offer an average saving of around £2,900.

They offer a much more flexible alternative to a traditional funeral, allowing people to celebrate the lives of their loved ones in their own way.

Steven Cains, founder of Direct Cremation by Harbour, said: “Currently crematoria have a captive market and can charge what they like. As people become disillusioned with expensive and hurried traditional funeral services, we expect the popularity of a more flexible and fairly-priced service like direct cremation to continue to rise.” 

Memorial service: About Direct Cremation by Harbour

Direct Cremation by Harbour separates the cremation process from the attended service. The cremation happens quickly, allowing a person’s loved ones to personally deliver the ashes anywhere in the country. Family and friends can then hold a service or memorial event whenever and wherever they like. The company is committed to affordability and fair pricing. Prices start from £895.

For more information contact Direct Cremation by Harbour on 0800 133 7961 or send an email to help@harbourfunerals.com. You can visit the website at: https://harbourfunerals.com

For more information, please contact:

Steven

Tel: 0800 133 7961

Email: help@harbourfunerals.com

Visit the newsroom of: Direct Cremation by Harbour

Four Ways Small Businesses In Manchester Can Benefit from Self Storage

Sam Allcock
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0
Four Ways Small Businesses In Manchester Can Benefit from Self Storage

The city of Manchester has one of the largest and most abundant economies in England. It is considered by the Globalization and World Cities Research Network (GaWC) to be a beta-global city, which means it is poised for a lot of growth and development in the coming years. Moreover, Manchester has afforded many opportunities for its residents in the financial and educational aspects.

It is, therefore, no surprise that many business owners, no matter how big or small, have chosen to build, establish, or move their businesses to Manchester. Small businesses, in particular, have recently become more prevalent in the city due to the promising economic growth.

Small businesses, however, do not have it easy a hundred per cent of the time. From finances to day-to-day operations, there are just so many things that need to be addressed and resolved. For example, not everybody has enough space to utilise in their place of business.

This lack of space, of course, could lead to a decrease in sales, productivity, and sometimes even team morale. Fortunately, there is something one can do to make sure this does not happen, and that is self storage.

A self storage unit may be the answer to your prayers. Being a small business can often mean that you don’t have enough space in your place of operations, so renting out a self storage unit may work wonders, whether for storing inventory or simply having more room to work.

Below, you will find a list of reasons why self storage is an invaluable resource for any entrepreneur.

What Is Manchester Self Storage?

Before understanding the benefits of a self storage unit for your small Manchester business, you must first understand what exactly self storage is.

Self storage is a service that provides secure, handy on-site storage units for people who either do not have the room to store their items or need a place to hold things before moving. While this may sound like something only homeowners would use, business owners are more than welcome to take advantage of the service as well.

Below, you will find some of the benefits that self storage in Manchester can provide your small business.

How Can A Small Business in Manchester Benefit From Self Storage?

It Can Help Maximise Your Business Space

Self storage is an excellent option for small businesses because it allows them the opportunity to make your business work as effectively and efficiently as possible, whether you are operating your business from home, a small office, or a commercial space.

There are, after all, various ways you can use a self storage unit. This includes:

  • Storing anything you don’t need on a day-to-day basis (e.g. old furniture, unused equipment, seasonal items, and extra office supplies) while still having the ability to have your business up and running at all times.
  • Providing additional office space should your business expand rapidly with its success.
  • Keeping old files and important documents safe and secure.
  • Providing space for inventory overflow during busy periods of the year.

With these items out of the way, you may use the space in your place of operations for the following:

  • New hires and additional workstations
  • Extra space for offices, break rooms, etc.
  • Upgraded or brand new equipment for the business

Here are some Ways You Can Upgrade Your Office Hardware On A Budget

Self Storage Can Help You Minimise Company Expenses

When you run a small business, whether it is in Manchester or anywhere else in the world,  you must know that your company’s finances are not always at an upward trend. Thus, many business owners are not too keen on the idea of spending money on something that seems too costly and unnecessary. But, if you think about it, using a storage unit will actually save your company money in more ways than you might think!

First, you can rent a small office and storage unit at much lower rates than renting out a larger office. Why pay more for space you don’t need? Moreover, you won’t have to worry about paying an absurd amount for a self storage unit. After all, such units are priced differently depending on unit size, features, and even location.

You will also find that with a self storage unit at your disposal, you won’t have to store or leave unused items out in the open, where they can either get stolen or damaged. That means you won’t have to worry about spending money on repairing or replacing your goods.

Lastly, you will have the option to purchase office equipment and supplies in bulk. This method has been a long-standing practice for companies looking to shave any amount off for their expenses but has since become impractical for others, especially those who have limited space in their place of business. However, with a self storage unit, this no longer has to be an issue as you’ll have access to the space you need!

There Will Be Less Clutter Around You

It has been said many times before that clutter could be one of the biggest sources behind distractions and higher stress levels within any work environment. After all, this would ultimately decrease employee performance, thus leading them both more error-prone and less productive overall as they try their best just to keep up.

That means, by using a self storage unit to clear out unnecessary items from the office, you are only increasing the efficiency and productivity of your team in general.

Moreover, by keeping a few items in storage and then regularly availing of professional cleaning services, you can keep your office organised, spotless, and sparkly clean! Sounds exciting, doesn’t it?

You’ll Have Extra Peace Of Mind

Like any other business type, it is imperative that you safeguard valuable goods to not put yourself at risk for theft or any other form of loss. This is where a self storage unit comes in.

Most self storage facilities have round-the-clock surveillance, strict security protocols, high standards of cleanliness, a wide variety of unit sizes, and features like climate control to ensure the safety and security of your belongings, no matter what items you choose to keep and how much space you need.

Many facilities even offer insurance policies that will protect you from the overwhelming expenses, should your valuables be damaged from rain, fire, theft, and other disasters.

If you’ve been convinced that self storage is an option you want to consider for your Manchester business, make sure to speak with more than a couple of self storage companies that can provide you with the best storage deals possible. After all, the last thing you would want is to spend your time and money on a unit that’s too small and does not accommodate your company’s storage needs!

Meanwhile, if you are looking to expand your small Manchester business, here are some tips you may want to keep in mind.

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