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Could you be Invalidating Your car Insurance Without Knowing it?

Claire James
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Could you be Invalidating Your car Insurance Without Knowing it?

Breaking the terms and conditions set out in your car insurance policy can mean you invalidate it. It means that your insurer can refuse to pay out and cancel your policy altogether. Here, comparison site mustard.co.uk, highlights surprising ways you could be invalidating your policy, and offer advice on how to get cheap car insurance if you’ve ever had car cover cancelled.

Leaving your pets unrestrained

Pets that travel with you should be properly restrained. Not only is this something that insurers usually put in their terms and conditions, it’s also set out in the Highway Code.

Ideally, you should keep your pet in a cage in the boot or use a specially designed pet seat belt. It’s important to remember that keeping your pet secure is for everyone’s benefit. If you’re involved in an accident, the force and impact of an unrestrained pet can be devastating for both you and your four-legged friend. 

Not declaring modifications

Modifications are changes to your car after it leaves the factory, for example, adding a spoiler, or alloy wheels, having it resprayed a different colour or changing the engine.

If you decide to modify your car in any way you should always let your insurer know. This is because changes can affect the value and performance of your car, making it more expensive to repair or more tempting to thieves. Your premium will be adjusted to reflect this.

It’s well worth knowing that not all modifications will lead to a rise in your premium. Some may not make any difference at all – for example, if you make adaptations for a disability. Some changes could actually lower premiums, for instance, if you increase car security.  

Not declaring changes in personal circumstances

Premiums are based on a number of factors including the car you drive, your age, address and job. If any of those factors change, you should let your insurer know straight away so they can adjust your policy.

Depending on the change, your premium could go up or down but it’s important to speak to your insurer. Not telling them about a significant change is considered non-disclosure and is one of the main reasons why policies are cancelled.

Using the wrong class of use

Class of use simply describes the way you use your car – for instance if you use it just for family and personal reasons or for business use. It’s also an important factor in determining the cost of car insurance so if it’s wrong, your premium won’t accurately reflect the risks you face behind the wheel. The result is that any policy you do have will become invalid.

Examples of classes of use that you can expect to choose from include:

  • Social, domestic, pleasure (SDP) – for everyday activities like school runs, food shopping and visiting friends and family.
  • Social, domestic, pleasure + commuting (SDP+C) – as well as standard SDP, this also includes commuting to a single place of work.
  • Business use – covers you to drive to multiple workplaces, for example, if you visit regional offices.

Eating and drinking behind the wheel

These count as distractions so if you do either, have an accident and then make a claim, the insurer has grounds to reject your application.

Distractions don’t just include eating and drinking, you should also take care not to hang anything large from your rear-view mirror that compromises visibility. 

Similarly, as well as keeping distractions to a minimum, you’re expected to have full control of your car. With that in mind, policies can also be invalidated if you’re found to be wearing unsuitable footwear that limits your control over the pedals. This includes very high heels, shoes with thick soles or platforms, flip flops or going barefoot.

How can I get cheap car insurance if an insurer cancels my policy?

If you’ve had car insurance cancelled, you can expect to pay higher than average premiums. You might even find some insurers reluctant to provide cover altogether.

This is because policies are usually only cancelled with good reason – typically fraud, non-disclosure or non-payment. Whatever the reason, it raises a red flag and makes insurers wary and raising premiums covers the increased risk.

If you find yourself in this position, comparing quotes is still a good way to see what’s available to you. Alternatively, you could consider using a specialist provider instead. These types of insurers have the experience of working with drivers considered higher risk and should be able to offer a competitive deal.

EFT Payments Meet The Fintech Movement

Josh Haines
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Electronic funds transfer (EFT) has quickly become a popular method of payment processing in the financial technology (fintech) industry. This technology allows for the electronic transfer of funds between bank accounts, and is often used for online transactions, recurring payments, and other types of digital financial transactions. However, EFT has some limitations that have only just started to be addressed by fintech companies who can expand what EFT payments can do.

What Is EFT Payment Processing?

EFT payment processing is a secure and efficient way for businesses to accept payments from their customers. It eliminates the need for physical checks or cash, and reduces the risk of fraud aswell as common errors associated with manual transactions. EFT transactions are processed relatively quickly, however depending on the channels they go through, this can be up to 3 to 5 days.

EFT For Business

One of the key advantages of EFT payment processing is that it is easy to use and set up. Businesses can use a variety of methods to accept EFT payments, such as through an online portal, a mobile app, or a point-of-sale (POS) system. Customers can easily initiate an EFT payment by providing their bank account information, and the transaction is processed automatically through the network.

EFT And Fintech

EFT is recognized as a great payment method for businesses, however it does have some drawback. The main downside of EFT is that it usually processes in around 3 days, and sometimes as many as 5. This is due to the nature of the transaction type, and can often be a turn off for businesses who need faster transactions. This is where fintech comes into play. Fintech companies are leveraging new banking technology to open up the EFT network and speed up the time in which payouts happen. Some of these companies are even offering same day EFT payments which is making EFTs much more popular.

Automated Payments And Accounts

One of the biggest time consumers for many business is the accounts receivable and payable processes, which involves submitting payments going in and out. Some payment platforms have automation workflows built into them, meaning they can automate the billing and collection processes, saving time and reducing the need for manual labor. It also provides businesses with detailed records of their transactions, making it easier to track their financial performance and identify any areas that need improvement. Additionally, EFT payments can be easily integrated with other systems, such as accounting software, making it easy to manage all aspects of a business’s finances in one place.

Security Of EFT Over Credit Card

Another advantage of EFT payment processing is that it is highly secure when compared to other payment methods like credit card. Transactions are processed through secure servers and are protected by encryption and other security measures. This reduces the risk of fraud and ensures that customers’ personal and financial information is protected.

Summary

In conclusion, EFT payment processing is a reliable, secure and efficient way for businesses to accept payments from their customers. It eliminates the need for physical checks or cash, and reduces the risk of fraud and errors associated with manual transactions. It is easy to use and set up, and provides businesses with a number of benefits such as automation of billing, detailed records of transactions and integration with other systems. Additionally, it is a cost-effective solution that can save businesses money on transaction fees.

Sheikh Youssef Al Shelash Discusses Trends and Upcoming Developments in the Middle East

ABC Staff
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Sheikh Youssef Al Shelash Discusses Trends and Upcoming Developments in the Middle East

The population of Saudi Arabia is currently more than 36 million. As the chairman of Dar Al Arkan Real Estate Development Company and Saudi Home Loans, Sheikh Yousef Al Shelash is committed to bringing modern, comfortable living spaces to the region while helping residents finance their homes.

“The main cities of Saudi Arabia are looking more alive,” stated Sheikh Yousef Al Shelash. As one of the founders of Saudi Home Loans, which helped establish the home loan mortgage market in the Middle East, Al Shelash has vast experience in this sector.

Al Shelash credits the opening up of the markets in regard to lessening restrictions, including allowing men and women to intermix, for ushering in recent changes. He pointed out, “More people live in apartments, and walls around homes are being demolished, adding a different flair to the region. There are more landscapes and apartment blocks.”

The value of awarded contracts in Saudi Arabia during Q1, Q2, and Q3 2022 increased 67% year over year for a total of $31.87 billion, according to a report from the U.S. Saudi Business Council. It’s expected to outperform the region’s 2021 growth. “The improved macroeconomic environment spurred by the Kingdom’s oil revenues coupled with ongoing non-oil sector initiatives have helped propel project awards,” stated Albara’a Alwazir, the U.S. Saudi Business Council’s director of economic research. “The construction sector continues to perform at a fast pace as a number of supporting developments have aided in its surge.”

Near Saudi’s capital and largest city, Riyadh, Dar Al Arkan is busy building communities. The Shams Ar Riyadh is a sprawling 5 million-square-meter mixed-use project, which includes co-branded properties, notably Upside Living Villas with interiors by Versace Home. “Dar Al Arkan has developed many communities, but because the Shams Ar Riyadh is close to Riyadh, Dar Al Arkan has the opportunity to develop the most luxurious villas,” said Sheikh Yousef Al Shelash. “It was able to create more premium products in the proximity to the city center, which was one of the many plans the real estate development company makes.”

For those looking to escape the bigger cities, the company created a residential community in Buraydah Hills, Qassim, which is one of the central areas of Saudi, approximately a two-hour car ride from Riyadh. “It is a small development, mainly bought by the people who moved away from Riyadh,” stated Sheikh Yousef Al Shelash. “It was like buying a piece of land back home, although they had already moved to the city.”

Future Forecast: Residential Property Prices in Dubai

Last year was a record year for residential property prices in Dubai. The city experienced over a 60% increase in total units sold, according to Betterhomes, a real estate consultancy agency. However, in 2023 residential property price growth is expected to slow significantly.

As noted by Betterhomes, after prices rose 21% in 2021 and 11% in 2022, they are only expected to increase by approximately 5% in 2023. And cash purchases make up about 70% of transactions in Dubai. “We are obviously less exposed to interest rates here though the prevalence of cash purchases,” stated Richard Waind, Betterhomes’ group managing director. “Higher interest rates have not removed the underlying demand, but they are certainly having an impact on people’s willingness and ability to pay more for properties.”

While villas experienced a 3% rise in purchases in 2022, apartment sales swelled 73% in 2022. Apartment living only recently became acceptable, and it’s becoming a big business and attracting people from around the world. The total expat population of the United Arab Emirates in 2022 was 8.92 million, while Dubai’s population in December 2022 was 3.54 million, noted the Global Media Insight report.

Sheikh Yousef Al Shelash: The Newfound Appeal of Apartments

“We have seen a shift from stand-alone houses to apartments because real estate is becoming so expensive,” explained Sheikh Yousef Al Shelash. “You wouldn’t see any Saudi national living in an apartment 15 years ago, but now they are. Moving into apartments has become an acceptable way of living, which is how it has become a big trend.”

No matter where you want to live in the world, the cost is a significant consideration when choosing a home, especially during times of economic uncertainty. The cost of the utilities, including HVAC and electricity, in an apartment tends to be less than those required to keep a villa running comfortably.

In recent years, nationals from over 200 countries have established residency in the United Arab Emirates. Who is buying property in Dubai? According to Betterhomes’ findings, regarding nonresident buys, Russians comprised 15%, while Britons accounted for 12%, followed by Indians at 11%, Italians at 7%, and French at 4%. Buyers from Pakistan, Lebanon, China, the United States of America, Canada, and Kyrgyzstan rounded out the top 10.

“Dubai has been visionary in building up the area since 2002. Because it is like Manhattan, except it is very secure and there are no taxes, it has become a place where all of these nationalities are converging and looking for their first home, or second home, or a weekend/vacation place,” noted Sheikh Yousef Al Shelash.

For those looking to live in luxury apartments, Al Shelash and Dar Al Arkan have them covered. The premier real estate development agency has three luxury towers in what is often called the City of Gold. “Dar Al Arkan is working in Dubai to provide products to the people who are investing in and want to live there,” said Al Shelash. “So far, the real estate development company has only taken plots in key locations, either on the water or in the center of the downtown. Thus far, the company has also only presented co-branded products, which is another major trend, in Dubai. It [delivers] the limited edition of the real estate market in Dubai.”

Dar Al Arkan Develops Luxury in Dubai

In the spring of 2022, Al Shelash attended the topping-out ceremony for Dar Al Arkan’s Urban Oasis by Missoni residential tower. This was the real estate development company’s first project in the United Arab Emirates.

The stunning 34-story building sits on the Dubai Water Canal and is worth $217 billion. It includes a swimming pool, a play area for children, plenty of parking, and 24/7 concierge and security services. The immaculate property is expected to be completed by the end of 2023 and is approximately 80% sold with owners and investors from 45 nationalities. The penthouse apartments feature exquisite Missoni decor and fixtures and are only accessible via a private elevator.

Dar Al Arkan is also responsible for bringing the world’s only W hotel brand residences to Dubai. Its W Residences — Dubai Downtown boasts 384 one-, two-, and three-bedroom apartments in the 49-story tower. The luxurious vertical structure includes a VIP clubhouse, private cinema, and an infinity pool. “This is like owning a W hotel, without the hassle of checking in or out or losing your privacy because it doesn’t have any of those hotel elements,” noted Sheikh Yousef Al Shelash.

Simple Ways to Overcome Withdrawal Symptoms

Claire James
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Simple Ways to Overcome Withdrawal Symptoms

It is undeniable that those who are dependent on drugs or alcohol have a significant increase in happiness when they give up. Many success stories demonstrate what a lovely life is possible after overcoming addiction. But just after you stop, there is usually a really painful period before you start to feel better. Withdrawal is the term used for this. Overcoming withdrawal symptoms can be a challenging process, but there are several strategies that can help. One effective approach is to gradually taper off the substance or behavior, rather than stopping abruptly.

This can help to minimize withdrawal symptoms and reduce the risk of relapse. Medications may also be prescribed to help alleviate specific withdrawal symptoms, such as anti-anxiety medication for anxiety or antidepressants for depression. Joining a support group like alcohol detox clinic can provide a sense of community and help to reduce feelings of isolation. Withdrawal symptoms can vary depending on the substance or behavior being addressed, but some general strategies to cope with withdrawal symptoms include:

1. Gradual tapering

Gradual tapering is a method of slowly reducing the use of a substance or behavior over time. The goal of this approach is to minimize withdrawal symptoms and reduce the risk of relapse. This process is usually done under the guidance of a medical professional or addiction specialist, who will work with you to develop a tapering schedule that is safe and appropriate for you. This can include reducing the amount of the substance used each day or week, or taking the substance less frequently. The pace of the taper will be adjusted based on your individual needs and progress.

2. Support groups

Support groups are a valuable resource for people who are recovering from addiction. These groups provide a sense of community and can help to reduce feelings of isolation. They are usually composed of people who are going through similar experiences, and who can provide emotional support, advice and encouragement. Support groups can be in-person or online and can be led by a therapist, counselor or other professional or a peer facilitator.

3. Medication

Medication can be an important tool in the treatment of addiction and withdrawal symptoms. Medications can be used to help alleviate specific withdrawal symptoms, such as:

  • Anti-anxiety medications, such as benzodiazepines, can help to reduce anxiety and agitation during withdrawal.
  • Antidepressants, such as selective serotonin reuptake inhibitors (SSRIs), can help to alleviate depression and other mood disturbances that may occur during withdrawal.
  • Medications for insomnia, such as zolpidem, can help to improve sleep during withdrawal.
  • Medications for pain, such as ibuprofen or acetaminophen, can help to alleviate physical discomfort during withdrawal.
  • Medications for opioid addiction, such as methadone and buprenorphine, can help to reduce cravings and withdrawal symptoms associated with opioid addiction.

4. Self-care

Self-care is an essential aspect of overcoming withdrawal symptoms and addiction. It includes taking care of one’s physical and mental well-being, and can help to improve overall health during the recovery process. It’s important to note that self-care is different for everyone, and it’s important to find activities that work best for you. It’s also important to remember that self-care is not just a one-time thing; it is a continuous practice that should be incorporated into daily life.

How to Pass the Time at Airports

Claire James
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How to Pass the Time at Airports

Many folks find themselves at airports for long stretches of time. It could be due to long layovers, flight delays or cancellations, or a wait to be picked up. These periods can be boring or frustrating, so here are some ideas for ways to pass the time at airports.

Look Into Compensation

Are you stuck because of a flight delay or cancellation? Look into your compensation options if you have not already. As an example, Wizz Air claim compensation is possible for delayed and canceled flights with varying amounts of compensation. Doing this may make you feel more productive and active in tackling a problem.

Explore the Airport

If you’ve yet to download the smartphone game Pokemon Go, this could be a great opportunity. It gets you exploring the airport while playing one of the most fun games around.

Other approaches to exploring include checking out the art and doing a scavenger hunt especially if you are traveling with kids. Make a list of random things to find, and you are set.

Shopping is another option. Some airports have “buy now, pick up later” policies that help you with duty-free products, too. If shopping is not your thing, food might be. Many airports feature local cuisine along with chain eateries. An airport can be a great place to taste delicious local food.

Yet another technique is to take pictures. You can choose a theme, say, flowers, blue, or hidden in plain sight, and have a lot of fun with it.

Spring for a Massage or Get Some Exercise

Some airports have massage chairs or day spas for passengers with sore, cramped muscles. If you have been wanting a facial, you may be able to get one at an airport spa, too.

Otherwise, some airports have yoga studios. The largest airports may feature ice skating, swimming, squash courts, or even exercise bikes for phone recharging. If you are traveling with children, many airports have children’s play areas.

Chat With Someone

Striking up a conversation with strangers can be difficult if you are shy, but it is often a good way to pass the time. Airport bars and cafes are places to find people, but you could start talking with the person next to you at the gate, too.

Bored airport staffers may welcome chat too. Just be sure not to complain to them or disrespect them.

People Watch

Set up camp and people watch. This can be especially fun at international gates since you’re getting to see people from cultures new to you.

Freshen Up

Hopefully, you packed an easily accessible travel toothbrush and tube of toothpaste. Duck into an airport bathroom to brush your teeth and hair and touch up your makeup.

Get Out

If your layover is long enough (a minimum of five hours, typically) and the weather permits, pass the time in a city instead of at the airport. Some airports even offer city tours.

Purchase Lounge Passes

The perks of airport and airline lounges can include movie theaters, kids’ rooms, and showers, depending on the airport. You can book a one-time lounge pass for these frustrating travel delays or so you can arrive early and unwind. You can also use a lounge for a post-flight shower.

Download a Movie or Game

Use the airport WiFi to download movies or games to your tablet. Downloading is safer than streaming live so you have the content there in case your connection gets interrupted or hacked.

Learn Something New

Now could be a good time to start learning a new language or skill. If you’ve always wanted to write a book, why not take this time to read up on point of view or other storytelling techniques?

Journal the Experience

Journaling your experience can make the time at the airport pass quicker. Write (or type or draw) about why you’re here and what you are feeling. Discuss who you are traveling with or who you are going to see, if applicable, and what you see, smell, and hear around you.

Write a Letter or Call Someone

If you would rather not journal, try writing a letter. It could be to a friend, spouse, child, grandparent, or maybe even yourself. A letter is an excellent way to connect and bond in a different way compared with email and texting. Another alternative is to call someone and catch up.

Organize Your Travel Pictures

If you’ve already been on your trip and are returning home, this time at the airport represents a fantastic opportunity to organize your travel photos. Which are social media worthy? Which do you want to print out or frame?

Having a few hours at the airport could be a chance for you to look into flight delay compensation or reflect on your trip and state of mind. Depending on how long you’re there, you could even get out of the airport for a quick city visit.

Omar Harfouch, A Hope for Lebanon

Claire James
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Omar Harfouch, A Hope for Lebanon

Omar Harfouch

As Lebanon faces an unprecedented crisis, a new political class is beginning to emerge in the country. Mr. Omar Harfouch is the most telling example of this generation that wants to rebuild Lebanon.

The Lebanese Parliament has still not succeeded in electing a successor to Michel Aoun, President of the Republic who left office on October 31. There is no president, but even more seriously, there is no government either since his resignation on November 1. Moreover, the Parliament is no longer authorized to legislate until the appointment of a president it cannot elect. Thus all executive and legislative institutions are blocked.

For the World Bank, Lebanon “is going through one of the worst economic crises in the world since 1850. The Lebanese pound has lost 95% of its value since late 2019 and inflation is reaching unimaginable heights.

In today’s Lebanon, a significant number of children are out of school, 80% of the population lives below the poverty line, and the water system is so antiquated that cholera has returned to the country.

Alia Nazar, Deputy Director of the microfinance NGO Al Majmoua, declared on November 24 on the airwaves of France Culture: “Indeed, what we observe today in Lebanon is an enormous crisis of confidence in the Lebanese institutions and their capacity, or even their will, to really get the country out of the crisis. There is indeed this powerlessness of the State to guarantee access to the most basic rights and services such as water, food, education, electricity, medical care. The latest cholera crisis shows once again that there are major structural failures.

As Director of the NGO “International Council for Diplomacy and Dialogue” which works in the Near and Middle East, I observe that a new political class is beginning to emerge in this country. Mr. Omar Harfouch is the most telling example of this generation that wants to rebuild Lebanon.

Who is Omar Harfouch?

Omar Harfouch is an entrepreneur who has worked in many countries. While he is known in Europe as a musician, the Lebanese have appreciated his commitment to their country for years. Trained in the conservatories of Soviet Ukraine, he speaks six languages.

Why is Omar Harfouch a hope for Lebanon?

Omar Harfouch has the will to create a third Republic by modernizing many sectors:

Changing the voting system in Lebanese elections

For this candidate, the President of the Republic must be elected by universal suffrage in order to give real power to the president.

He also wishes to abolish the confessional system. Until now, the different positions in the executive and legislative branches are attributed according to religion.

Changing the tax system

For Omar Harfouch, the Lebanese tax system is obsolete. Thus he proposes a fair and redistributive tax. This tax will be proportional to the income of the inhabitants.

Fighting corruption

Lebanon has the unfortunate privilege of being ranked 154th out of 180 countries in Transparency International’s world ranking on the perception of corruption. Candidate Harfouch wants to create an independent anti-corruption judicial pole.

Changing the judicial system

For Omar Harfouch, the first battle must be that of an independent justice and to do this, he wants to create a new judicial organization of the country.

Promoting equality between men and women in Lebanon

Omar Harfouch has been known for many years for his fight against discrimination between men and women. In 2000, he denounced the harassment and violence of which young models were victims by some managers of the Elite agency.

In September 2021, he organizes a first conference in the French Senate to ask for a change in the law on the statute of limitations for sexual crimes. A European resolution proposal will be submitted.

In October 2022, he organizes a second conference at the European Parliament to incite Europe to commit itself more strongly in the fight against violence against women.

Omar Harfouch wishes to abolish a little-known Lebanese law: if a Lebanese woman marries a foreigner, the children of this woman will not be able to have the Lebanese nationality. As a result of this rule, many children find themselves stateless in their country.

Restoring Lebanon’s international role

Candidate Harfouch considers the gas agreement between Lebanon and Israel as an economic peace agreement. He wants this agreement to be the first one so that his country and the region become prosperous.

Omar Harfouch is discussing with all Lebanese parties in order to restore the greatness of his country but especially to create a unity between the Lebanese in the country and those in the diaspora.

Like any candidate who wants to change his country, Omar Harfouch will be criticized by those who put Lebanon in such a state. Mariano José, a 19th century Spanish writer wrote about people like this candidate: “Genius, like the cedar of Lebanon, grows on the peaks. It grows and strengthens in the storm and not in the shallows.

Eric Gozlan, Director of the International Council for Diplomacy and Dialogue

https://blogs.mediapart.fr/ericgozlan/blog/291122/omar-harfouch-un-espoir-pour-le-liban?at_medium=custom3&at_campaign=66&fbclid=IwAR3Z1JLnUn-7L4vTGV04RPAbar3uTH-677m-XGIRVeLXj4VpnwveQ05ZNO4

Strategies For Earning Loyalty Rewards for Online Games

Claire James
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Strategies For Earning Loyalty Rewards for Online Games

One of the best ways to make a lot of money playing at online casinos is to take advantage of free bets and loyalty rewards. You can do this by making use of the many positive feedback loops and Crossover loyalty programs available to you.

Free Bets With No Deposit

Free bets are a great way to play at online casinos without having to make a deposit. These bonuses are usually provided by online bookmakers in order to attract new players to their websites. They can also be used by regular customers as an incentive for betting. The main difference between free bets and other types of bonuses is that there are typically wagering requirements attached to them.

Free bets are one of the most popular non gamstop casino bonuses available, and they can be offered in several different forms. There are also no-deposit offers, as well as matched deposit bonuses. Each form has its own set of conditions. For example, a free bet may have a minimum amount of odds on it, or it might only be available on certain markets. It may also come with an expiration date. Regardless of the offer, however, the basic elements remain the same. Those who take advantage of these types of bonuses should be sure to read the terms and conditions to ensure that they will be able to use the bonus at the online casino they choose.

A no-deposit-free bet is generally given out in the form of a small bet. In addition, the player is usually not allowed to exceed the maximum bet. Many casinos offer a no-deposit bonus as part of their sign-up package. This means that, when you open an account, you will receive a free bet in the form of chips. You can then use the chips to place a bet on a variety of games, from football to poker.

Some bookmakers, though, do not require a deposit for free bets. However, if you want to be able to withdraw your winnings, you must meet the required wagering. Typically, this can be done by accumulating a set number of bets. Depending on the offer, this may be as little as one, or as many. Alternatively, you can convert the bonus into a larger deposit.

In addition to the standard no-deposit bonus, some bookies offer a risk-free first bet. Usually, this is an offer that will award a percentage of your initial deposit as a free bet. If you win a bet, you will not receive your free bet stake back.

All online casinos, though, have their own rules about the bonus. Some will have an expiration date or a maximum amount of bets, while others may have specific bet types. Generally, the larger the bonus, the higher the number of bets that you must place to clear it.

Crossover Loyalty Programs

For many people, the main reason for playing at a particular casino is the rewards that the site offers. These can vary from free spins on slot machines to extras such as deposit bonuses and exclusive events. Many online casinos have a loyalty program that allows players to earn rewards and access special VIP services.

Loyalty programs can be tied to specific games and tiers, with each tier having its own set of rewards. Some sites offer crossover programs, which allow players to accumulate points and rewards that can be used at both online and land-based casinos. The benefits can range from free hotel stays to tickets to sporting events.

Casino loyalty programs are designed to keep regular players happy. The idea is that more spending equals more rewards. This is especially true for high rollers. In fact, many casinos have set up special events that are only accessible to high rollers. They also often provide exclusive tournaments.

Loyalty programs run a tiered structure, which means that players can get a higher level of rewards if they spend more on the casino. It is important to read the terms and conditions of the site’s loyalty scheme before committing to it. Aside from ensuring that you are not wasting your time, it is important to understand the amount of wagering that is required to reach a certain tier. High requirements may mean that you will have to wait for a long time to withdraw your winnings.

Many loyalty programs have a rewards store where you can buy luxury items or extra services. You can also exchange your points for real money in some cases. If your casino has a dedicated account manager, you will have a personal point of contact.

Crossover loyalty programs are offered by a majority of USA gambling sites. Typically, new players will be given a welcome bonus. However, some operators require players to reach a certain milestone before becoming VIPs. At other sites, the VIP levels are unlocked based on the number of points that players have earned.

While some operators have special bonus tiers, the most popular perks are those that have to do with the gambling itself. Generally, players are rewarded with bigger deposits as they move up the tiers. There are also unique perks such as cashback offers. When shopping around, you should compare the various offers from different operators. Online casinos can easily adjust their loyalty programs to meet the needs of their customers.

Another aspect of the casino industry that is often overlooked is competition. With thousands of gaming websites out there, it is difficult to know which one will be the best for you. By comparing a variety of options, you can ensure that you are able to get the best possible experience.

Positive Feedback Loops

While online casinos may not be the first place you think of for gambling, they aren’t the only ones to bet on. The industry has a lot of competitors, many of whom have their own unique branded properties and a host of ancillary services to boot. In order to stay one step ahead of the competition, these businesses must deliver a frictionless user experience. A few iGaming best practices go a long way toward achieving this goal.

Most notably, these businesses need to ensure their marketing isn’t a one-dimensional affair. For instance, if a casino isn’t offering an incentive for players to make more than a single deposit, guests are not likely to do so. They may also be missing out on the old-fashioned word of mouth if their guests aren’t raving about their wares.

London must be ready for increase in high-spend, international visitors in 2023 – Sameer Gehlaut 

ABC Staff
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Super-prime real estate developer Sameer Gehlaut has today called for more luxury, flexible-stay accommodation to be built in London to capitalise on the expected return of high-spend, international tourists in 2023 and drive economic growth. 

The intervention comes amid reports of a rapid increase in international travel that could see trips reach 84 per cent of pre-pandemic levels in 2023, according to Kaleido Intelligence. A large driver of this trend will be increased travel out of China, following the nation’s sudden relaxation of travel restrictions. This is promising news for London’s tourism economy, particularly the luxury sector, which is expected to benefit from the return of high-spend Chinese tourists. 

After many months of stagnation in the UK economy, the predicted swell of international visitors is reason for optimism for future economic growth in the country. Gehlaut believes London should be at the forefront of driving this growth, but to do that, “London must do more to entice high-spend, international visitors into the city, by providing suitable accommodation”.  

Sameer Gehlaut said: “London will always be a favourite location for wealthy visitors, and the expected growth of inbound travel in 2023 is great news for the city’s economy. But we can do more to entice high-spend visitors to stay here for long periods of time by providing more flexible-stay private accommodation combined with 5-star hotel amenities.  

“There is massive gap in London’s real estate market – travellers wanting to embed themselves in London for long periods of time simply can’t find the 5-star, long-stay accommodation they need. This is a major barrier to economic growth, denying London the capital these travellers can inject into the city.”  

Through his super-prime property developer Clivedale, Gehlaut recently launched Amberley – a real estate project that combines luxury apartments at some of London’s finest addresses with 5-star hotel services. Amberley uniquely offers the best-in-class accommodation with stays, to cater for the needs of high-spend visitors, who wish to stay in London for longer periods of time. 

The Mayfair Park Residences were the first Amberley apartments to launch and are managed by the internationally renowned Dorchester Collection. The apartments offer a choice of 1-4-bedroom apartments, as well as a Mayfair townhouse. Amberley is a fast-growing project with more locations in the pipeline, including apartments at Clivedale’s Mandarin Oriental Mayfair, based on Hanover Square, which will open in Spring 2023. 

Gehlaut continued: “The UK has been at the bottom of the pile for economic growth since the pandemic but we’re seeing promising signs for 2023. Providing the perfect accommodation for high-spend tourists will help London capitalise on the increase in travel and return the UK’s economy to strong long-term growth. The Amberley project aims to pull down a major barrier to growth in London’s luxury tourist industry. Other developers need to step-up and help entice further luxury tourists into London.” 

Gehlaut has two decades of experience in real estate and has a track record of strengthening London’s property market by investing in high-end commercial and residential property. He founded Clivedale in 2012, which has an emphasis on unparalleled locations and best-in-class amenities. It has delivered many of London’s most iconic, well-known developments including The Mansion, 73-77 Brook Street, and Mayfair Park Residences. Gehlaut is also behind the development of 20 Carlton House Terrace, now inhabited by energy company BP, in one of the biggest deals of its kind in the last ten years. He has also invested in other sectors, becoming one of the earliest investors in OakNorth Bank. In total, he has funnelled an estimated £750 million into the UK economy over the past decade. 

UK’s Acklam Car Centre Upends Social Media with Viral Luxury Cars Videos Boosting Sales

Josh Haines
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UK’s Acklam Car Centre Upends Social Media with Viral Luxury Cars Videos Boosting Sales

The global luxury car market was valued at $461 billion in 2022 and is likely to grow by a healthy 4.9% annually until 2028, outpacing the whole sector. Luxury cars come in various shapes and forms, from hatchbacks to SUVs to luxury sedans to sports coupes; what unites them is superb quality, unrivaled comfort, and limited supply. Like many luxury goods such as Hermes bags or Swiss timepieces, luxury cars cannot be produced en masse hence the unabating demand for them. On the buyers’ side, in early 2022, the fortunes of the world’s wealthiest one percent increased by more than one third during the pandemic, further consolidating their already almost limitless buying power. This created a classic seller’s market situation and car manufacturers’ luxury divisions thrive on that phenomenon.

Among independent luxury car dealers, it is difficult to outshine other bigger brands, but some still do. Helping create the wave of the strong demand for luxury vehicles is Acklam Car Centre, one of the top independent luxury car dealerships in the UK. Based in the Northeast of England, Acklam Cars sports all of the highly sought-after cars like the best Land Rover and Range Rover products along with the latest Porsche, Audi, BMW, and other brands.

As an objective measure of success, the luxury vehicle dealer posted robust 2022 sales to the tune of £122,401,299. Acklam Cars’ sales and marketing teams are led by industry experts, believed to be the best in the business, Liam Martin (Head of Sales) and Carolina Wos (Media Marketing Manager). Martin and Wos lead a team of highly-trained and specialized automobile connoisseurs passionate about luxury vehicles and helping customers’ needs. 

The Acklam Cars team masterfully uses its social media channels to spread the word about Acklam Cars and its luxury automobiles by regularly posting videos that garner millions of views. These videos are not just for show as they are a modern lead generation technique. The sales team quite often manages to get in touch with clients and sell cars online through these videos. By posting highly popular videos the Acklam Cars’s sales team boosts the Centre’s popularity even when they do not close an online deal. No wonder that in 2022 Acklam Car Centre was awarded the Dealership Use of Video award by Car Dealer Magazine and the Used Car Retailer of the Year by Motor Trader. The dealership has also received an almost unanimous five-star rating for its superior customer service standards and social media content from TrustPilot and is still currently top rated.

Among other accolades that Acklam Cars received for its high standards of customer service and outstanding luxury cars lineup are the Used Car Customer Care Award and the Used Car Dealership of the Year Award by Car Dealer Magazine in 2021.

Given the continued hold luxury vehicles have on us and the strong demand both in the UK and globally, especially in Asia and China, Acklam Cars’s business prospects for this year. As the Acklam Cars team is proving to the market – as well as prospective investors – that their business model is not only very successful but highly scalable, 2023 looks very optimistic for the luxury car retailer. We expect Acklam Car Centre to expand its operations and open new venues throughout the UK and Europe this year. To see the vehicle inventory and enjoy the engaging content, check out the dealer’s website, Instagram, YouTube, and Tik Tok.

Fifty Years of Innovation at Nuby with Baby Product Innovations

Josh Haines
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Fifty Years of Innovation at Nuby with Baby Product Innovations

The baby product industry has evolved tremendously over the years, especially as companies constantly work to find the safest materials for baby items. Parents are also more aware of what goes into the products they use, whether it be baby powder or toys for their children.

The baby product market is expected to generate $58.8 billion globally by 2031, as the industry continues to progress and prosper. One company that is constantly striving to meet consumer expectations through its continual product development is the leading global baby brand, Nuby.

Nuby was founded more than 50 years ago in the United States, as a family business, and the brand has since grown to be sold in 155 countries and counting. The company launched Nuby UK in 2009, which is now one of the premier baby brands in the United Kingdom. While Nuby is a large global company, they take pride in still being a family-oriented business.

One of the brand’s most iconic products in the UK is the Nuby RapidCool, a baby bottle maker that is portable and requires no filters. Customers can purchase just the Nuby RapidCool Baby Bottle Maker, or an entire kit for making up a spare bottle when out and about. It is the perfect, handy bottle maker for feeding the little ones on the go. The RapidCool follows all NHS guidelines and is especially quiet for the nighttime feeding sessions.

To use the RapidCool, simply pour freshly boiled water into the bottle, then add the pre-measured formula water, and shake to mix. Tip the RapidCool upside down, and once the Nuby logo turns green, the beverage is ready in a matter of minutes. Pour the mixture into a sterilized bottle and begin feeding. Nuby has a variety of UV sterilizers available for purchase, too. The UV sterilizing technology gets rid of potentially harmful bacteria that could make a baby or toddler sick.

Nuby has some of the best teethers on the market that come in fun shapes and sizes — from an avocado to an elephant to a watermelon slice, there is something fun for any baby. The Nuby IcyBite Teether Keys are a favorite teething product. They are designed for babies over three months old and have multiple teething surfaces. The pûrICE™ Gel technology keeps the keys colder than most other products in the market, reducing the amount of time the keys have to be in the freezer.

Another iconic product of Nuby’s is its sippy cups. There are a variety of options, but perhaps the most popular is the Nuby Grip N’ Sip Cups. These are some of the best sippy cups on the market thanks to the no-spill design, SoftFlex Touch-Flo spout, and the ability to know the cup is locked once the “click” sound is heard. This leak-proof technology is ideal for parents who do not want to worry about spills or leaks. The Easy Grip handles are sized to fit the child’s grasp, and the cup is designed with both the parent and the child in mind.

To learn more about Nuby or shop their product range, visit the website here.

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