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Why You Aren’t Getting Better at Raids in World of Warcraft

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World of Warcraft is a massive game where you can do tons of stuff. From going on long quests to finding and slaying powerful bosses, the game lets you do it all. The thing which a lot of players love about the game is Raids. This is mainly because Raids let them fight waves of enemies, including powerful bosses. Furthermore, you can earn amazing items through Raids, which you can’t find elsewhere in the game. Unless you’re into WoW Gold buying and you have tons of money to buy in-game stuff. 

Now, while Raids are amazing and all, they are not meant for everyone. And by this, I don’t mean that they can not be enjoyed by everyone. But they are a little more difficult than the other activities present in the game. For instance, if you’re doing a quest, your main goal will be to go on a journey, fight a couple of enemies, grab an item, and return to a location. But in Raids, there is so much more. 

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Raids require a team of at least two players. However, you can do them with a total of 40 people. The number can’t go any higher than this, but 40 players are enough to do a Raid run smoothly. This is also a big reason why people prefer doing Raids instead of Dungeons in WoW. Dungeons are somewhat similar to Raids as you get to fight waves of enemies in them as well. However, you can only do them with up to 5 players, but they are easier to complete. Also, they take less time than a Raid.

If you’ve been doing Raids and are not getting better at them, the problem isn’t with the activity, but with you. A lot of WoW players often complain that they can’t do Raids properly or are not able to make improvements to them, and this is only because they aren’t doing things right. Today, we are going to discuss the reasons why you aren’t getting better at Raids.

Get A Good Understanding of the Game 

First things first, you need to have a good overall understanding of World of Warcraft if you want to perform well in Raids. If you’re not good in other activities, how can you expect to do good in Raids? Some players play WoW only for the sole purpose of doing Raids, but they must understand that they need to do everything else as well. Until they become a better player in the game, they won’t be able to perform well in Raids. Therefore, make sure you do everything there is in the game so that you don’t miss out on anything.

Play Your Role 

During a Raid, each player has a specific role. The roles are divided into three categories, Tank, Healer, and DPS. The main role of Tank is to keep the attention all to himself and deal the most amount of damage to enemies. Tanks have the most amount of health, something that helps them live longer. On the other hand, Healers are, as their name suggests, the medic of their group. Their job is to keep their entire team alive. And finally, DPS are the ones who assist the Tank with taking down enemies.

Now, if you’re playing the role of a Tank, make sure you’re doing everything properly. You need to stay at the front and make sure nothing gets to your teammates. You need to be the one who will be dealing the most amount of damage, and nothing should hold you back from annihilating the enemies.

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Similarly, if you’re playing as a Healer, then don’t try to get in the Tank’s way. Your main job is to keep your teammates alive by healing them, so keep this a priority. Taking down enemies comes in second place for you, as you should only focus on providing health to your teammates whenever it falls below a certain percentage. 

As for DPS, these are Damage Dealers, and your main job while playing as them is to assist the Tank player in taking down enemies. You need to fight groups of enemies and do everything in your power to make things easier for the Tank. 

As you can see, each player has a specific role to play in Raid. If you’re not doing what is required of you, then not only will you fail to make any improvements in Raids but will also become a burden on your teammates. And trust me, there is nothing worse than being a bad teammate during a Raid, as you’ll ruin the experience of everyone else. 

Stop Trying To Do Things Solo 

The third and final thing you need to stop doing is going after everything on your own. Raids are meant to be completed as a team, and you should act like a team player as well. If you try to do things on your own, then not only will you get eliminated quickly but others won’t be able to enjoy the Raid because of you as well.

These were some reasons why you can’t get better at Raids as well. Overall, just try to be a good player and make sure your team isn’t carrying you around like dead weight. 

How to choose the best green laser sight?

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As most of you know, the tactical is what gives us a strategic advantage over a clear objective. However, there are some tactical tools that get blurred by a huge sea of ​​data and functionality. This is the case of tactical flashlights, a swampy terrain in which, after many years of development, “the more, the better” still prevails. Who doesn’t have in mind the prototype security guard with a flashlight of biblical proportions? It may be that this thought stored in our brain and enhanced by Hollywood imagery is the culprit that, when purchasing a flashlight, we make blunders.

Do we know what lumens are?

The field of lighting, and specifically flashlights, has evolved remarkably in recent years. Costs and consumption have been reduced, power has increased, the quality of light is greater with less effort… however, does that mean that any flashlight deserves the tactical name? As you will see, there is a huge confusion in the market…

10 years ago, when someone wanted to buy a flashlight for something other than home use, they would run to a specialized store and look for a model with good power. To do this, we simply had to select a model with a high watt indicator, which “assured” us that the accessory was going to produce a good amount of light. Of course, those who remember high school will notice that the watt in this case is the measurement used to calculate the energy expenditure for the flashlight to work properly. And of course, at the time the easiest thing was to think that the more watts consumed, the more light… of course, nothing could be further from the truth, as we will see below.

Today there is not a single light bulb that is sold, without wielding ahead the number of lumens it develops. The lumen is the unit of measurement for the luminous flux, that is, the amount of light perceived by the eye, coming from a source. Thanks to the development of lighting technology, especially advances in LED technology, current light emitters consume less and less energy and emit more and better light. Of course, this fact does not mean that any current flashlight is worth everything, but rather the opposite. The protection of manufacturers in lumens has meant that when buying, consumers only look at this indicator… because if a flashlight develops many lumens, it must emit more light, right?

Once again, we are making the same mistake we made 10 years ago with the power of the flashlight. It is true that lumens are a more accurate measure than watts, but it is also clear that luminous flux is a rather subjective quantity that can depend on many factors and is merely indicative. There can perfectly be 2 identical flashlights that develop the same lumens and yet show clear differences in terms of the quality of their lighting.

So, what is the solution to know what is a good flashlight according to your lighting?

Technically, the only reliable way to know the performance of a light emitter, just by reading its instructions, is to know the illuminance value, that is, the ratio of lumens developed for each square meter of distance (lum / m ²) . However, almost no manufacturer indicates this value on their products. Unfortunately, the only way to get close to the answer is to do a field test and test the flashlight at various distances. Obviously having good knowledge can help us do our calculations, but let’s be clear: most of the time, when we buy a flashlight “we are in the dark”. Therefore, never use lumens as a fixed, infallible measure, but as what it is, something indicative, approximate and, of course, manipulable.

There are many types of tactical flashlights on the market but today, green laser tactical light is the most popular one…

Choosing the best green laser sight is simply a matter of doing some research and learning a little about what makes one brand of laser sight better than another. There are plenty of red and green laser sights on the market, but green laser sight models may have some advantages over red laser sights including visibility, power consumption, operating temperature, aiming adjustment possibilities, and size. In general, a green laser sight is going to cost more than the more common red laser sight. For some situations and applications, the green laser sight can provide a tactical advantage over other types of targeting systems.

The visibility of a green laser sight in different light conditions is superior to the typical red laser sight. The reason for this lies in the photoreceptor nerve cells in the eye that convert light into electrochemical signals that are transmitted to the brain. These photoreceptors can see visible light from the red end of the spectrum at one Ned (about 700 nanometers) to violet at the other end with a wavelength of about 400 nanometers. Green is in the middle of this range of visible light, and is best seen by humans. This is why green laser sights are better than red laser sights, especially at long ranges, in direct sunlight, and in low light conditions as well.

A technical challenge with green laser sight technology is the operating temperature range. Green lasers are very picky about temperature and the environment around them, so heat and cold can have a negative effect on the performance of the filtering process that converts the infrared beam to a green beam. Take a careful look at the technical data of any green laser sight, and make sure that the laser will perform optimally within a certain temperature range. This range can vary from manufacturer to manufacturer and will likely affect the price for units operating in higher temperature ranges.

Precise mounting and orientation adjustment are important for any weapon, but they are critical for any type of laser or tactical sight. The actual size of the green laser sight is something to consider, as it is more complex, takes up more space, and requires more power and possibly a larger battery to operate. Cheaper laser sights will typically be bulkier, have less precise targeting mechanisms, and may even leak harmful radiation. More expensive green laser sights, made by the best quality manufacturers, will use better materials and offer better performance in almost any orientation or tactical conditions.

What causes delays while buying and selling your home and how can you avoid it?

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You may feel excited—perhaps even relieved—when your house sells after a mere month or so on the market, and you can move forward with your plans. There are several ways to avoid some of the most common delays when buying or selling a house. They will help both buyers and sellers move swiftly through the process and prevent any unnecessary expenses. The current housing market is undeniably a seller’s market. The demand for real estate is at an all-time high, and homes are selling at a record rate and frequently for far more than the asking price. Here are the key items that can delay the selling process in light of the fact that there are still some elements that can significantly slow down a transaction.

Avoid chains

The selling process is being delayed more than anything else by a chain. When a property sale depends on the closing of another, typically because buyers must first sell their current home in order to fund the purchase of their new home, a chain is created. When a link in a chain is broken, the connected sales may, at worst, fail, and, at best, may experience substantial delays. Chain delays can result from a variety of factors, not merely fall-throughs. Additionally, not all of the link sales are progressing at the same rate. For example, some purchasers are more proactive and well-prepared than others, and some mortgage agreements close more quickly than others.

Allowing agents and conveyancers to manage all contact between the numerous buyers and sellers is the best approach to prevent chain delays. The best method to guarantee that everyone involved has a clear sense of when their sale will be completed is to rely on professionals to design and explain timelines. If you want to sell or rent a property in Bracknell it is always advisable to seek the advice of the experts.

Quality of real estate brokers and lawyers

It is essential that agents and attorneys succeed in these areas since efficiency and communication are so essential to effective, timely property sales, not least when chains are involved. Even the simplest tasks, like ordering a Local Authority Search or creating a contract, can take a professional far longer than is necessary if they are either overworked or lazy.

The first error that sellers frequently commit is selecting the estate agent that provides them with the highest valuation estimate or who charges the lowest commission. This is due to the fact that lousy agents with a negative reputation frequently rely on exorbitant appraisals or ridiculously low fees to secure business, whereas agents with a good reputation are able to let their reputation work for them. Therefore, sellers should seek out brokers who have a proven track record of success in assisting clients in the sale of their homes.

Looking at market statistics on the typical time to sell, the typical percentage of asking price realised, or, most simply, the reviews posted by prior sellers, are the best ways to determine this.

Reacting rather than taking action

In order to minimise delays in the process, sellers must be proactive and efficient themselves, just as they depend on their agents and conveyancers to be. As a result, it’s crucial to be available whenever documentation needs to be completed and to always make sure to deliver it on time.

It’s a good idea to check in once a week to make sure everything is still on track in order to be attentive about making sure hired professionals are shifting their weight. Additionally, sellers shouldn’t decide to take a vacation in the middle of the procedure for the benefit of everyone involved.

An emotional bond

An emotional connection to a piece of land is crucial. A home is created by doing this. However, sellers are encouraged to free themselves from this emotional grip when it comes to selling.

It’s easier said than done, but it’s essential because, in order to minimise selling delays, one must act more rationally than emotionally. An emotional relationship may cause you to assign the house an inflated value, which could cause it to languish on the market for several months with little interest. Furthermore, feelings might make sellers fussy about who they choose to buy the house from, which can slow down the sales process.

Missing documents

Many sellers discover missing documentation after the fact, often when it is already too late. For a quick sale, being able to offer things like gas certificates may be required. It’s crucial for sellers to clarify with their conveyancer exactly which documents they will need to submit when getting ready to sell so that, in the event that they are missing, the conveyancer can begin proactively looking for fresh copies.

Ambitious growth strategy for London dental group

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Banning Dental Group will open five new London clinics as part of its ambitious plans.

A new 5,000 sq ft flagship site will be set up in London’s Blackfriars, while more branches in Canning Town, Leighton Buzzard, Lewisham and Chelmsford are also set to open this year. 

The capacity of its clinic in Kent will now allow double the number of patients to access advanced dental care. 

Welcome to new patients

Dr Azad Eyrumlu, co-founder of Banning Dental Group, is excited to welcome guests into the new locations, which will bring the firm’s total number of clinics to ten.

He said: “A huge amount of work has been going on behind the scenes to get our five new clinics ready and we can’t wait to finally be able to welcome patients through the doors.

“The Blackfriars clinic will become our flagship clinic and it will be a key milestone in the history of Banning Dental Group.

“From day one we have wanted to bring affordable, world-class treatment to private patients and we want to make this as accessible to as many people as possible. 

Growing pressure on NHS

“With growing financial pressure on the NHS and patients’ private finances, we believe our model of affordability and bridging the gap between NHS and expensive private dental work is much-needed. 

“Our patients are at the heart of everything we do and we firmly believe our new clinics will bring a new dimension to dentistry standards in London, Essex and Bedfordshire.”

The group was established by specialists Dr Azad Eyrumlu and Dr Honar Shakir to offer affordable treatment to private patients after noticing a chronic shortage of accessible dental care and the lack of quality dental care to meet today’s patients’ needs. 

Range of services

It offers a range of services including regular check-ups, oral surgery, implants, teeth whitening, smile makeovers, regular and Invisalign braces and same-day emergency appointments. 

Banning currently has five clinics across the South East with a team of highly-trained and experienced dentists and technicians in locations such as Harley Street, Brentford, Chiswick, Lewisham and Whitstable.

Its ambitious plans to double the number of clinics this year are part of an ongoing mission to bring world-class and affordable dental care to people who may have previously found private dental care out of their reach.

Each will hold between four and 10 treatment chairs and will be open seven days a week and the new clinics will employ more than 60 new members of staff.

Employment experts reveal missing link to improving gig economy

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With more Brits turning to short-term work, experts have revealed how to improve the effectiveness of the gig economy.

Recent figures show 4.4 million adults in the UK now either fully earn or bump up their income with ‘side hustles’.

But the system of securing jobs, getting paid the correct amount and companies verifying worker IDs still has room for improvement.

Alok Alstrom from gig economy platform AppJobs has revealed the steps that should be taken to make it more efficient.

Steps to efficiency

He said: “The growth of the gig economy over the past five years has been incredible, especially since the emergence of Covid.

“The pandemic impacted people’s lives to the extent that many left a traditional job and moved into the gig economy, which was a choice for some but a necessity to others.

“But that rapid growth has led to some areas where developments have not kept pace with the reality of working in the sector.

“Full-time company workers take things such as easy-to-access tax and wages information, and ID verification, for granted.

“But time and again we hear that these are the factors that make working in gig economy roles difficult, and even prevent some people benefiting from the freedom such a lifestyle choice should give them.”

Gig economy jobs

Gig economy jobs can range from anything such as food and package delivery to taxis and flatpack furniture assembly.

They have been hailed in some quarters as the future of employment – giving people greater flexibility in when and where they work, and the tasks they carry out to earn money.

But there are downsides to this, as outlined by Mr Alstrom.

He said: “The current system sometimes lacks a transparency that allows workers to navigate life with the ease they should be able to.

“Some of the main ones are where it comes to accessing credit by having a recorded earnings history that can then be presented to mortgage companies, for example, in order to buy a property.

Better ID verification needed

“ID verification is also a major problem – on both sides of the working relationship. There have been numerous occasions where fraudulent emails or messages have been sent to gig workers, scamming them out of money by unscrupulous individuals.

“Meanwhile, companies who use gig workers often struggle to complete identification checks efficiently, which slows the whole system down.

“Other factors include gig workers not having clear and accessible records of where they have worked and what they have earned in the past, to give them suitable information to present to financial institutions or future employers.”

Recent research, commissioned by the TUC union, found that 15 per cent of UK workers are paid by gig economy platforms such as Uber, Deliveroo and Amazon Flex. This has risen by three per cent since the start of the Covid pandemic.

AppJobs is one of the UK’s leading jobs platforms, matching applicants to flexible gig economy roles with companies such as Doordash and JustEat.

TelcoSwitch UCaaS solutions support thriving UK-based international logistics business

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Leading international logistics firm sees improved business efficiency by replacing legacy VOIP system with CallSwitch hosted telephony.

Understanding the requirements

Sandford Freight UK is a leading international freight forwarding and logistics company, based at London Heathrow airport. Established in 1998, the business has expanded rapidly, and today serves a global customer base, being recognised for delivering a professional and personal service with operations including air, sea, and road freight. 

Telecommunications sit at the heart of Sandford Freight UK’s day-to-day operations, with a constant requirement to be immediately available to customers and suppliers. In a competitive industry driven by service levels, guaranteed on-time deliveries, and cost-effectiveness, the ability to communicate effectively is essential.

The challenge

In 2020, when the COVID-19 pandemic forced the UK into the first of several lockdowns, Sandford Freight UK was required to implement remote working for its employees, and its existing BroadSoft system was not able to support this new way of working.

Daniel Walker, General Manager, says, “When we were required to move to remote working for most of our staff, our old system just didn’t have the flexibility to support us. We could only forward calls to one number so our managing director had to handle all our call traffic.

“We weren’t able to use an auto-attendant, and because we couldn’t use mobile applications or have employees take calls from their desktops, the business really struggled to continue smoothly. Managing out-of-hours calls is just a normal part of our industry, it’s pretty 24/7.”

Additionally, the company was challenged by an out-of-date call bundle that didn’t support the volume of international calls made by the business as part of its everyday operations. Walker adds, “Once lockdown was over, we realised many of the shortfalls of our system were actually affecting our business in the longer term, so we set out to find something more flexible.”

The solution

After consultation, the key stakeholders at Sandford Freight UK opted for a CallSwitch cloud-hosted UCaaS solution to meet the company’s demands for a flexible and cost-effective communications solution that could deliver productivity to a distributed workforce and support out-of-hours call traffic when needed.

Included as part of this service, Sandford Freight UK received premium Yealink desk phones for every one of their 20 employees as part of its subscription, along with free access to proprietary CallSwitch Communicator mobile and desktop applications, and WebRTC browser access. The business also opted to add an advanced conference unit to its solution for the company’s boardroom.

Additionally, a bespoke call package was provided, with generous international minutes supporting the frequent calls to overseas locations made by employees, and custom auto-attendant messaging allowing for more intelligent inbound call routing to improve customer service.

Walker says, “It was time for us to really overhaul the system we had in place, so it was important we found a supplier who could consult us around our requirements. The CallSwitch pre-sales engineers took the time to understand our business and really sold us on the benefits of the CallSwitch platform.” 

The benefits

Since implementing CallSwitch, Sandford Freight UK has seen many productivity and cost-saving benefits that have helped to support its growth aspirations, while enabling the company to meet the high levels of service its customers expect.

With mobile and desktop access for employees, the business can offer more flexibility around ways of working, with customer calls easily made and received from home when required, either in or out of office hours.

The international call bundles the business received has also helped to reduce costs, with many of Sandford Freight UK’s frequently dialled overseas destinations included for free. With free calls between extensions the company also benefits from no costs for internal calls, and even benefits from the CallSwitch internal chat service.

Walker noted: “We’ve been really happy with CallSwitch. It’s improved our ability to communicate with customers, and internally. All our staff now have the Communicator app on their mobiles and computers, and it’s so easy for them to make calls normally wherever they are. It’s much more efficient.

“The system has been more reliable than our previous one. We’ve not really had any issues, but the one time we’ve had to raise a ticket, it was solved quickly without us having to chase.

“We had an engineer on site to help us install our devices who was very knowledgeable, and the CallSwitch product trainer came to our offices to help our staff make the most of all the new features. She was very friendly and helpful. We would definitely recommend CallSwitch.”

How to Prepare Your Office for a Quicker Removal

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Relocating your office is a complex process, especially moving a large-scale commercial business. Not only do you have bulky furniture and expensive equipment to move, but there is also your staff and clients to think about. So, how can you prepare your business for an office relocation to make the moving process quick and effortless? Here, we reveal our top tips on how to prepare for an office move for quicker removal.

Prepare your staff members well in advance

Ensure your team is informed of your upcoming move at least several weeks before your move date, if possible. This will give them plenty of time to start organising their new commute. Plus, you’ll be able to discover which staff members are able to become part of your moving team.

Consider using a professional moving service

Professional moving companies like Removals and Storage Experts can make your office move much easier. They understand how to move large and bulky furniture without causing any damage. Additionally, they have the tools needed to make your move a smooth process. Professional movers can lift expensive equipment to your new office location, as well as pack and unpack your office furniture and items.

Select a moving project manager

Having one person in charge of the moving team makes it much easier to organise the whole move. Every staff member can have an appointed role and designated tasks, whether that’s helping with the packing process or moving important documents.

Create an inventory list

It’s essential to keep track of your office items, especially if you have important and confidential information at risk. Making an inventory helps you to track any missing or misplaced items. Create a digital inventory with an online backup version. 

Plan your new office space

Make sure you visit your new office premises to create a floor plan. The last thing you need to deal with on moving day is problems with your office furniture not fitting into your new space. Take measurements and make note of any alterations or repairs which are required. If you want to decorate your new premises you may need to hire professional decorators or painters a few weeks before you relocate to ensure your new office is ready for your arrival.

Inform your landlord

You can reduce your moving costs by choosing a moving date which gives you enough time to move your office items and have the premises cleaned. Ensure you inform your landlord of your moving date, as well as your suppliers and clients. You should either send your new address via email or post. Also, update your website to reflect your new details.

Organise your office items

Before you pack your desks and chairs, documents, electrical equipment and more, have a thorough declutter to get rid of any rubbish or items you don’t need. This will reduce the amount you need to move, saving you time and money. Sort your items into three piles: keep, donate and throw away. Ask all your office staff to declutter their desks, removing any unnecessary junk.

Label all your boxes

When packing your office items, make sure you label every box, so you know where everything is. It’s also a good idea to colour code each box too. You can use colours that are associated with each department as this will enable you to easily place items in the right area at your new location.

Clear your old office

Once your relocation is complete, go back to your old office to clear any remaining rubbish. Professional cleaning services which specialise in commercial cleaning will be able to give the office a deep clean. This is always a good idea as a dirty workplace could affect your tenancy deposit. Additionally, make any needed repairs, particularly if there is visual damage that requires rectifying.

Use our handy tips to prepare your business for office relocation

Now you know how to prepare for an office move effectively, you can use our helpful tips to make relocating your office a quicker and smoother moving process. Remember to prepare your team members well in advance of your moving day. The more preparation you do, the easier your office relocation will be. You can even make a checklist featuring our tips to help guide you through the office moving process!

Common Mistakes When Applying For A Government Loan Malaysia

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Making mistakes is a natural part of life, especially when it comes to dealing with banks and insurance companies. Unfortunately, many applicants make common mistakes when applying for any loans, whether it is a housing loan or government personal loans. They cause them to lose hard-to-get financing, which means failing to get funding for the projects that are important to them. 

Here are six common mistakes people make when applying for government loans in Malaysia so that you don’t make the same ones.

Skimming Through The Terms & Conditions

Many of us are used to just clicking the ‘I agree to the terms and conditions’ button without actually reading it. However, it’s important to read and understand it while also reading the fine print to avoid overlooking any important information.

You should also make sure that you truly understand the repayment schedule and how much you will be paying each month. If you aren’t 100% sure of any part of the contract, ask questions. One of the most crucial things to watch out for is whether or not there are any penalties for early repayment or prepayment. Plus, you need to know exactly how much you will be charged in interest and whether or not there are any additional fees involved with applying for this type of loan.

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Always Read The Terms & Conditions For Any Type of Loan Including A Government Personal Loan or Housing Loans

Forgetting To Lock In The Agreed Upon Interest Rate

A lot of people forget to lock in an agreed fixed interest rate. You could be subject to hidden extra fees without locking in this rate. If you don’t lock in an interest rate and the prime rate increases, the lender will also increase your interest rate. The same goes for a decrease in the prime rate: you will have to pay more for your loan if it falls below what you agreed upon.

When you apply for a small business loan, make sure to speak to an expert at your bank or financial institution about their rates and fees before committing yourself to a specific amount or term. This way, you’ll have time to look around and find the best terms available before signing anything.

Always Remember To Agree On A Fixed Interest Rate With Your Desired Loan Tenure

Not Researching Multiple Loan Options

Researching and comparing your options should be one of your first steps. Many people make the mistake of only looking at one type of loan. There are many different loans available, and each one comes with its own pros and cons. It’s crucial that you fully understand what they all entail before deciding.

For example, some lenders will offer better interest rates than others. Some may be able to provide lower down payments or higher credit limits. Some lenders may require collateral, while others may not. Some lenders will allow for flexible repayment plans, while others will have stricter payment schedules with penalties if the borrower misses a payment by even one day.

By researching multiple options for your business loan, you can find the best choice for your needs and circumstances. This can possibly save you time, stress and money in the long run when it comes to borrowing money for your business venture.

Not Updating Your Finances

The process of applying for a business loan is not an easy one. It requires so much effort and time to prepare for it that many people don’t do it right and end up with bad credit or no credit at all. No matter what loan you apply for, you need to show up prepared with all the necessary paperwork and updated financial information.

Applying Without A Thorough Business Plan

A lot of people make the mistake of not having a thorough business plan before applying for a government business loan. This is a huge mistake because, without a good business plan, it would be difficult to convince the lender that you have what it takes to run your own business.

If your company has been around for a while and you know exactly what you’re doing, then you might be able to scrape by without writing a business plan. But if you’re a small business and this is your first time applying for a loan, writing one will definitely help your application.

Applying Without Collateral

A business loan without any collateral is basically a personal loan, except that it involves a business. The bank will ask for the same documents as a personal loan, such as your credit history and income statement. This is because banks want to see if you have enough money to pay back the loan.

Bank Loans Without Collateral Are Not Business Loans

If you do not have any collateral, the financial institution will be hesitant to lend money to you because they worry that you might not pay them back. It is important to understand that even though you may be able to afford to make the monthly payments on your business loan, you still need some security in case something happens and you cannot make those payments anymore.

Applying for a government business loan can be difficult and frustrating if done the wrong way. However, if you know the right steps to take, getting a government business loan will be a lot easier.

The stages of football medicals

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As clubs are finalizing transfers and are preparing contracts for new signings, the heat at football medicals is hitting all time highs! Footballers need to be examined and checked before the red light is given to the club’s management to finalize a transfer and this red light is not as simple or as straightforward as it may sound. This red light is also a key determinant of clubs’ subsequent performance, which also affects bookmakers’ offerings and rates found at https://allbets.tv/

Clubs want to be sure that their transfers’ choices will prove as effective, efficient and successful in practice as they have been on the papers. Clubs’ executives are about to place millions of euros on footballers’ contracts and so it is only fair and logical that they have a round, full and solid assessment of the condition in which the new signings are. After all, football transfers are in fact long-term investments on the part of the teams, and unless these investments have the highest prospects for yielding good returns, they may easily be “abandoned”.

As a football fan or a punter, you are probably aware of football medicals and their role in the final decision making of clubs when it comes to new signings. Prospective players need to pass their football medicals, in order to qualify for transfer, at least in the decision making process of the clubs’ top management. Clubs recruit a high profile team of doctors, physicians and other experts, who are scanning the new signings on a range of both predetermined, standard tests and more customized medical examinations, according to the past records or history of the players.

What happens in a football medical? What tests and medical exams do the footballers undergo when they are about to move? Well, there is a list of general categories of tests which make up an entire football medical and this list includes all possible areas that can influence a player’s ability to perform at his best.

Testing the heart

Testing the heart is a basic assessment in a football medical. Prospective transfers undergo ECG cardiac tests, blood tests, fitness tests and often urine tests to detect any possible undiagnosed issues (such as diabetes for instance) and to assess biochemical indicators for the functioning of major organs, which can affect the heart.

Myoskeletal examination

Lunges, squats and hopping tests are critical in revealing a football player’s myoskeletal system. Testing and assessing how the muscles function, whether they are healthy and identifying any defects or problems in the back area and the pelvic region, which can cause problems with hamstrings, are all part of a rigorous examination of one of the basic systems of footballers’ quality of fitness and health.

Movement examination and isokinetics

Footballers are always subject to potential injuries, especially as they stress their muscles. Football medicals focus on examining how the muscles work together and how they produce movements. In doing so they can recognize any possible weak points which increase the potential for injuries or they can identify those areas that are most likely to get injured and thus make more preventive interventions.

Measuring body fat

Ensuring that football players have a low body fat score is a top priority for clubs, considering that it is an indicator of good health and of good shape and fitness. In fact, football medicals examine and measure potential new signings’ body fat using different methods, to make sure that it rests somewhere near 10%, which is the acceptable score for professionals.

Testing speed and sprint

Clubs want their players to be quick and physical as they can be in the game for a long time and give their best to succeed. So, before signing new players they need to be sure that they do well in sprint tests and they have good speed – note that for professional players it is expected that they can run a 20-meter distance in less than 3 secs.

Getting deep scanning

Some potential new players come with a record of reported health issues or their assessment reveals some such issues and this is when they get deep scanning for a more complete and holistic view of all joints and muscles and all myoskeletal systems in general. Scanning provides more accurate information on the condition of the prospective transfers and so offers a more rounded profile of the footballer’s risks. 

Clubs’ executives make use of the football medicals assessments in their final decisions to sign new players. Football medicals list the results, report the scores and these are then used for evaluating possible risks coming along with the players. This is why both players and the clubs’ themselves are anxious to obtain the football medical outcomes!

Dealing With a Deadline – How Landlords Can Overcome EPC Challenges

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Are you letting property? Then you need to make sure that it has an EPC rating of C or above by 2025. Otherwise, you’ll be unable to take on new tenants going forward.

This is due to the government’s new initiative to fight climate change. Increasing the energy efficiency of Britain’s housing stock is an integral element of the strategy.

However, meeting this target can be costly for landlords – with a price tag of up to £10,000 per property.

Shawbrook Bank recently released a new whitepaper, Confronting the EPC Challenge, assessing how the negative impact on the rental market can be minimised.

The status quo

The current state of the energy efficiency of British rental properties is dire.

A quarter of landlords say that their property has a below-D rating. Another 25% don’t even know their properties’ grades, though they have to provide EPCs for new tenants. Plus, 15% weren’t aware that regulations were changing or that there’s a deadline.

Pre-war buildings are particularly affected by the challenge to increase energy efficiency. Over 30% of private rental properties in Britain predate 1940, with corresponding low energy efficiency.

On average, landlords who need to make changes estimate that it will cost them £5,900 to achieve a C rating. Unfortunately, this figure is likely to rise as demand increases. In addition, many tenants will need to leave the properties they rent in order for improvements to be made.

Paul Elliott, Managing Director at Propp.io, a property finance comparison site, says, “Landlords need to build this into their investment strategy right now. Factoring in an additional 10% cost on top of the purchase price for works to improve the EPC can change a deal from a good one to a bad one. And ignoring the problem completely could lumber investors with useless stock – unrentable and potentially even unsellable.”

Market impact

The impact of the EPC challenge on the market is significant, in particular since it’s impossible for many period buildings to achieve the required ratings.

As a result, they will no longer be available and the market, with rents already at a high point, will become even more competitive.

Furthermore, EPC ratings are already a key factor in investment decisions for a quarter of landlords. 15% even say that they’re no longer interested in property more than 20 years old.

One considerable source of worry is how to deal with costs. Over 50% of landlords are thinking of passing some of it on to their tenants. After all, they will eventually benefit from lower energy bills.

Actionable advice for landlords

So what can landlords do right now?

First, it’s crucial to check the EPC register, both to figure out what your property’s current rating is and what improvements you need to make.

The second essential step to take is to secure funding as soon as possible, and to get started on work. With the deadline looming, demand is going to spike the closer it gets – driving prices to painful levels.

The best – and most budget-friendly – way of dealing with this challenge is to face it head-one and get a head start.

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