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The clearest sign an investment might be fraudulent

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When you are making an investment in anything, it is vital that you totally understand what you are investing in. Many people make the mistake of investing in something on a whim or getting caught up in the emotion and the drama of it all. The biggest problem, too, is that too many people get conned by an investment’s messaging and forcefulness. What is the clearest sign that an investment opportunity might be fraudulent?

There are many tell-tale signs that fraud is about to take place in any investment. The clearest sign, though, comes from the messaging and the pressure put forward by the investment firm. If an investment is a good choice and it is safe, and it is doing well, there is no need for the original investment vehicle to be pushy. When something is going well, we are not looking to force others to get involved, are we?

The secret to spotting fraudulent investment comes from the language of the people selling access. If they seem to be comfortable and calm with you taking your time to make decisions, they are likely to be safe. If they seem to be easily irritable or pushy for you to make your first investment or give details, it is important to ask why.

As soon as you start receiving correspondence that seems pushy or aggressive from a sales perspective, you should investigate why. There is often a reason for this happening – and unfortunately, it is rarely positive.

Any investment that can succeed without forcing new people to get involved will not be forceful or aggressive in its language. Investments on the verge of failure or designed to fail will be much more aggressive in getting as many people involved as possible.

What should you do if you think you have invested in a fraud investment?

If you believe you have been defrauded, you need to get professional insight first and foremost. You should contact an attorney who specializes in fraud. For example, anyone living in California could contact a California fraud attorney like this. You want someone who is local, so they understand local fraud laws, and who has experience in handling such cases.

You then need to have them evaluate your case and look closer at the terms involved. Often, a legal expert should be able to tell if you have been defrauded pretty quickly. Sadly, the signs of fraud can be hard to spot – but someone with an eye for such issues should be able to spot the beginning of your problems.

With that in mind, you should follow up on their professional recommendations. It would be wise for you to start focusing on making a list of what has happened to get you to this point. Once you reach this stage, you should be in a position whereby you can begin to work towards receiving compensation for the fraud that you have been the victim of.

The first thing to look out for is desperation or aggression in the seller’s language. No true vendor you can and should trust will be desperate to force a sale – keep that in mind. It might save you from letting your heart overrule your head and making a poor, unrecommended investment.  

EarningCrypt – Redefining Web Bartering for Virtual Currency Enthusiasts

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The introduction of commercially viable instruments has fundamentally altered the financial spectrum, as this industry is vastly distinct from those now integrated into the system.

Concurrently, this symbolizes a new era in electronic sales, as individuals from all over the world may now employ virtual capital-based futures to capitalize on erratic price movements. EarningCrypt, a digital coin exchange platform with very intriguing specifications, is one of the brands that now facilitate such services.

Even if they have no prior experience, users who see virtual capital as having bartering potential have the opportunity to buy and sell with EarningCrypt. This is true even if they have no previous experience.

Conversely, this brand may also cater to those individuals who are unsatisfied with the current transaction terms that they have with other providers in the industry. Even though EarningCrypt has only recently been introduced, there are sufficient grounds to investigate it in greater detail.

Accounts

Inclusion is a significant benefit of the organization because of the many account types available. https://earningcrypt.io offers a variety of account types, so you may choose the one that best fits your needs regardless of where you start. Users currently have the option of selecting one of three available alternatives to fulfill their requirements. Because of this, the organization is able to change in response to the needs posed by its clientele.

Regardless of the sort of account that you go with, the protection provided for your digital assets will remain the same. Users of EarningCrypt have access to more than 100 coins, which is sufficient to discover buying and selling opportunities almost every day.

When it comes to depositing funds, the many payment alternatives that are accessible to you enable you to do so in a timely and risk-free manner. As can be seen from the withdrawal rules, the security measures in place for withdrawals are substantially more stringent.

Security

It is sound knowledge that financial instruments offer an exceptionally high level of protection. The majority of people exhibit a defensive and cautious attitude when it comes to trying something new.

EarningCrypt is aware of this fact. This company protects its customers’ information by utilizing encrypting methods and software only available through the company itself. Because the organization possesses the essential expertise to keep your personal information and financial matters secure, you do not need to be concerned about either of these matters.

Even the payment methods utilized by dealrs (deposits/withdrawals) are restricted to only those well recognized and held in high esteem. Because these are derivatives of digital assets, they are not susceptible to the same hazards as an asset housed on a blockchain because digital financial products themselves serve as their underlying asset.

Key Takeaway

EarningCrypt delivers the ideal blend between efficiency, openness, and safety. As a result, even virtual capital skeptics should reevaluate their position. Bartering in virtual money is a legitimate activity despite all of the negative press that has been generated.

EarningCrypt has the tools and functionality you need if you’re concerned about security. This company is constantly innovating while keeping the consumer at the top of the priority list.

CryptWise| A Practical Dealing Platform for Virtual currency Enthusiasts

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Due to their pivotal role as a middleman that handles all exchanges and orders, choosing a dependable buying and selling broker is paramount. When it relates to coins, making an informed choice of a broker is even more important than usual due to the high volatility associated with digital assets.

It is recommended that before choosing a broker, considerable research and thought be put into the decision. This will help to ensure that the most profitable dealing is achieved. CryptWise is a new trying-to-barter brand that offers users access to a secure dealing platform, enabling them to engage in the virtual currency markets.

Regarding CryptWise

Digital asset markets can be accessed via CryptWise’s powerful web-based technology. An intuitive user interface and a robust set of tools make it easy for e-capital enthusiasts to participate in the market.

There are numerous innovative assets listed on CryptWise with their specific market statistics and infographics available for members to use. The broker provides a wide range of resources, including well-researched publications, customer care, and good security architecture.

System of Exchange

CryptWise’s primary objective is to provide dealers of all skill levels with an interchanging environment that is streamlined and streamlined further to make it easier to use. Because the broker makes use of cutting-edge technology, tools, and functions, clients have the opportunity to capitalize on shifts in the market in a way that minimizes the amount of time and effort expended while maximizing the potential profit.

CryptWise is continually reporting new developments in the market as well as pricing information to keep players informed about their various transaction activities. In addition, the broker offers several different payment methods, all of which can be accessed through the user interface of the buying and selling platform.

Assets

Users of the CryptWise platform are given the ability to exchange a diverse selection of digital currencies. Within a single, easily accessible place, the broker makes it possible to barter many major pairings, in addition to other prominent altcoins and other digital currencies.

Because there are so many different asset classes to choose from, there is a significant gap between these two options. Dealers have access to all of this data through the platform, allowing them to make swift decisions that are grounded in logic even when they are operating under intense time constraints.

Security

CryptWise is aware of the relevance that a robust security foundation has in avoiding unlawful activities. The compliance section of this company has precise protocols for the verification of user accounts, which help to keep customer monies and personal information safe.

Members are required to produce identification documents as well as evidence of their residency before they can engage in financial operations. Requests for withdrawals from accounts that have not been confirmed will not be honored by CryptWise.

Users must submit a form titled “declaration of deposit,” which is standard practice for any trustworthy brokers to finish the authentication process.

Takeaway

It is safe to say that CryptWise is one of the most trustworthy commercially viable instruments brokers around, given its robust security network, regulations, and cutting-edge platform. Barters of all skill levels can access the virtual currency markets with ease using this broker.

Brits are turning to unused property space to run small businesses

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This has contributed to a 20% increase in empty office space in London since 2020.

David Hannah, Group Chairman at Cornerstone Tax, discusses how this trend, which began in the pandemic, could be set to continue

Key Stats:

  • 21% of Brits say that their career aspirations have transformed from climbing the corporate ladder to starting an independent business
  • 18% of Brits say they want to leave their 9-5 job to pursue a business endeavour with their family
  • 38% of Brits agree they would rather have flexible working options than a pay rise

The pandemic has caused more Brits to pursue a dream of starting their own small business as data from Cornerstone Tax shows that over the past year 21% agree that their career aspirations have transformed from climbing the corporate ladder to starting an independent business. Adding to this, 18% stated they wanted to leave their 9-5 job to pursue a business endeavour with their family. When starting the journey of building a small business, having a base is critical. Utilising spare space at home has become increasingly popular since the pandemic, as it provides an opportunity for Brits to start their small business endeavours at no extra cost.

According to The U.S. Small Business Association, 50% of all small businesses in the US are home-based, highlighting the genuine option of utilising a home property for work. With the advancements in technology, operating a business from the comfort of your home has become perfectly manageable and it seems to be affecting the rentals of offices within the UK. London now has 20 million square feet of empty office space – marking a 20% rise since 2020, as London boasts the highest commercial rents in Europe.

An empty annex, outbuilding or garage provides a chance to succeed in the business environment with a countless number of the world’s biggest companies starting at home, including: Disney, Google, Microsoft and Amazon. The number of new businesses in the UK increased by 14% in the last year marking a wave of entrepreneurialism from Brits. Homeowners have the ability to utilise their unused space to run a business and pursue a new career path. Cornerstone Tax’s study also found that more than a third (38%) of Brits agree that they would rather have flexible working options than a pay rise. This paints a picture of a nation that has made a conscious decision and one that is here to stay.

David Hannah, Group Chairman at Cornerstone Tax discusses the desire from Brits to start businesses at home: 

“It’s been fantastic to see the new wave of entrepreneurial Brits who are now taking matters into their own hands and using a garage or spare bedroom to run profitable businesses.

“Partly due to this, we have seen a 20% increase in unused office space in London since 2020. Major urban centres will always be hubs of creativity and opportunity but could become more and more for younger sections of society looking to learn, grow and expand their horizons. What our data also shows is that people also want to escape the proverbial ‘rat race’ in favour of independence and being your own boss. The current vacancy crisis in the world of work is testament to this.

“This could also be a golden opportunity to provide the UK property market with some much-needed stock. Landlords of empty office spaces now have the option to convert them into housing under permitted development rights.”

UK launches parliamentary panel to bridge trade and investment ties with India

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A crucial step in Post-Brexit era as skills shortage could cost the economy £30-£39bn per year

Gaurav Singh, founder of JPIN, the largest bilateral investment banking platform across UK/India, explains why India could be the key to lift Britain out of its socio-economic slump

In a step further accelerating the strategic collaboration between the UK and India, a new UK parliamentary panel has been created to promote trade, investment, and citizen ties with India. The India (Trade and Investment) All-Party Parliamentary Group (APPG) was formally registered last week as part of India’s 75th anniversary of independence. The initiative aims to build an inclusive bridge between the two countries while supporting and promoting the India-UK free trade agreement (FTA) negotiations. This is a crucial step in Britain’s post-Brexit era, especially because the country’s skills shortage is likely to cost the economy £30-39 billion a year if no action is taken to source further talent, according to CBI Economics.

Gaurav Singh, founder of the largest bilateral investment banking platform across the two nations, JPIN, explains that the UK and India are fundamentally two pieces of a puzzle that come together to provide mutually beneficial support to one another during a crucial period of economic change in the post-Brexit era. Britain is currently experiencing the worst talent drought on record, which has subsequently stunted business growth across the whole nation. In tandem, India – dubbed as Asia’s Silicon Valley – is home to 25% of the world’s engineers, according to the National Science Foundation. In line with this, the British government’s desire to improve digitalisation and tech expansion will continue to be supported by India’s healthy pool of skilled talent. India’s IT industry currently has over 4.5 million skilled workers and has the potential to achieve up to $350bn in annual revenue by 2025. A partnership between both countries is set to further fortify trade security and one of the biggest talent-based partnership to exist globally.

India’s commerce minister, Piyush Goyal, has announced that India is on track to conclude a long-awaited trade agreement with the UK by October. In an agreement that has been hailed by Downing Street as a “centrepiece of Britain’s post-Brexit economic strategy”, Goyal has stated that 11 of the proposed pact’s 26 chapters were already “dusted and ready”, and will look to be finalised in the next few months.

The UK–India investment relationship is already worth £24bn and supports more than half a million jobs across the UK. Now, both players continue to explore the possibility of an interim agreement to provide quick gains that will benefit businesses on both sides. Britain has already made strides in securing a strategic partnership with India, with a primary focus on cyber security, science and education, and the APPG panel will look to further cement both countries’ reliance on each other.

Gaurav Singh, founder of JPIN, explains why India could be the key to lift Britain out of its socio-economic slump:

“India is one of the world’s largest economies and presents huge potential as a key partner for trade and investment for the UK. India is a 21st century powerhouse and therefore, establishing a solid relationship with the UK in trade, technology and security could be significantly beneficial for both parties. The significance of the relationship between both nations cannot be underestimated.

“Britain has long been a global leader in terms of tech innovation, but it faces one of its toughest challenges currently in terms of a severe skills shortage. In a world where automation and AI are becoming increasingly important, companies need to have access to a large talent pool that can assist in fulfilling these roles. 

“It’s great to see the creation of a new APPG panel with Britain and India, which would see a lot more cross-border partnerships between the two countries, creating jobs, fuelling innovation and above all positively contributing to both economies in a big way. It’s clear that closing this trade deal is a top priority for the government, and there appears to be fewer stumbling blocks as we edge closer to the finish line.

“India is goods and resource-wealth, growing exponentially, and will be the centre of the world trade in the coming decades. Therefore, building a trade and investment relationship here is particularly important to allow the UK to benefit from the immense growth India is already experiencing.

“The APPG panel will also look to ways that could help with small businesses in both countries, especially because the levelling-up agenda is such a pressing matter for the UK government. This will look to help future-proof the economy, and it’s fantastic to see that this, alongside the FTA deal, is coming into fruition.”

Energy companies announce major profits whilst UK customers struggle to pay

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Centrica and Shell have both announced eye-watering profits worth billions of pounds as the UK lives in dread of the October energy price hike.

British Gas’ parent company Centrica increased its operating profits massively from £262 million last year to £1.34billion for the first six months of this year.

British Gas reported an adjusted operating profit of £98million, and said it needed to buy more energy to cope with the demand.

Shell hit a high of £9.5 billion in the second quarter, beating its own record quarterly profit of £7.5 billion, which was racked up in January to March alone.

But all these profits come as families in the UK struggle to pay energy bills now, with another increase to the energy price cap, which could see some paying £400 a month for energy.

Energy experts have said prices could reach £3,420 in October and ramp up to £3,850 when the price cap is reviewed again in January 2023.

A year ago in July 2021 the price cap was just £1,138 a year – and most energy deals were much cheaper than that.

Meanwhile Centrica has it has resumed payouts to shareholders, paying an interim dividend of 1p per share.

Customers noticed prices creeping up with increased supply and demand following the Covid pandemic. The war in Ukraine threatened supplies from Russia, which also hiked up prices.

How small businesses can manage cashflow better

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Having more money coming in than going out is the main aim of a small business. And while that may seem so obvious, lack of cashflow is the main reason why most SMEs fail.

In those early days, you may hardly be making any profit at all but effective money management is crucial if you want to make your company grow – and of course, survive.

Here are a few ways you can help boost that cashflow.

Always have a cash reserve

Did you know you should aim to have three to six months of working capital in place to prepare for a crisis? Could you manage to pay your suppliers or staff if there were unexpected demands on your cashflow? Covid was a great example of how clients would suddenly be unable to pay or had to stop using your products or services.

Use apps to help manage cashflow

If you want to keep on top of your expenses you have to embrace cloud-based technology. For all those times you need some envelopes from the post office, there’s an app to record how much you spent – as we all know how quickly these costs add up.

Many apps allow you to take a photo of a receipt on your mobile and you very quickly have your expenses in one place and best of all, added up for you.

These types of apps are great for monitoring your accounts on the move. Accounting software can also help entrepreneurs with limited time for administration.

Invoice quickly

The best time to send an invoice is when you’ve completed a piece of work. If you wait until the end of the month to send an invoice for work you finished on the 2nd, it will take at least another fortnight – depending what terms you agreed – to see that cash in your bank account.

Send an invoice straight away for the quickest way to ensure payment and improve cashflow.

Offer project packages rather than hourly rates 

One way to always ensure good cashflow is to offer a cost per project rather than an hourly rate.

If you can also get this amount to be paid to your business in advance, you avoid being in arrears, which can drag you down.

Receiving some of the cash you are owed up front means you can plan spending and the growth of your business much more easily.

Reduce your cash outflow

It sounds so obvious and that’s because it is – but save those pennies! Don’t splash out on fancy coffee machines at work when a kettle and some coffee granules will do. If you can fix expensive equipment rather than replace it, this is key to saving the pounds. 

When it comes to computers and laptops, you could try looking for reconditioned equipment and avoid paying out more for upgrades unless absolutely essential.

How to sell an inherited home: estate agent or cash buyer?

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If a loved one has left their estate to you in a will, you may be looking to sell an inherited house.

Selling it in the normal method – with an estate agent on the open market – can take a while and a sale is never guaranteed. If you need to release cash quickly – to place a deposit on a new home , for example – you may be waiting much longer than you wanted to.

Here we look at the advantages and disadvantages of selling with an estate agent vs a cash buyer.

Selling with an estate agent

By selling on today’s housing market you can expect a much inflated price on your house compared to normal times and while this is great news for sellers, they no doubt want to buy a property as well.

If the inherited house is not in an area you know very well, an estate agent will talk up the local area when they give people a tour of your home.

You will need to pay an estate agent typically around 1-2% of your house price sale – which is a fair whack. And you’ll no doubt be tied into a contract which means you’re unable to sell through two agents at once.

However, an agent can take the hassle out of a sale for you, showing people round your home and dealing with negotiation on offers.

Selling with a cash buyer

If you need to sell quickly, you may best looking for a cash buying company like Vamove.

With no third parties to deal with, you can sometimes receive cash for a house within seven days – even if it’s in a state of complete disrepair or isn’t mortgageable.

It’s important to remember that you won’t be offered the full market value, as you would with an estate agent, but you might expect to receive around 85 per cent of it.

Cash buying companies in the UK will buy homes anywhere, so always worth considering if you need the money fast.

What HR leaders should do in 2022

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Covid has disrupted businesses globally and this has meant a push for major digital acceleration, so know one thing. If you’ve not rolling with the times you’ll be left behind.

With hybrid working the new way of life for most offices, it’s vital that HR teams can keep connected with every employee in the business, no matter where they are in the world.

HR teams will need to make the most of great technology to ensure they can keep dispersed workforces in touch, thus creating a better all round employee experience.

Make hiring new staff a breeze

Onboarding is a much more difficult process when staff are starting a job from home. This can cost businesses time and money. One way to create a seamless process is to give your internal comms and IT teams a break by implementing an award-winning intranet such as Attollo.

Let your new starters find everything the need in a one-stop platform – they place they go for everything and where they communicate with everyone in the workforce no matter where they are in the world.

Create a resilient workforce

HR teams will need to create a culture of people who are adaptable to change. New recruits will expect the quality of technology that they have at home. They want instant messaging and the ability to talk to someone else on a platform like Teams or Zoom. Your new staff, especially the younger generations, will be amazing on mobiles, tablets and other devices. They are keen to learn new skills and may lose interest very quickly if not given the chance to learn.

Consider using an intranet as a driver to encourage good communication as well as a place where staff can access training videos.

Encourage digital, equity, inclusion and belonging (DEIB) initiatives

2021 was the year for setting up DEIB initiatives. 2022 is all about embedding them into the culture of your business.

No longer is ti a box-ticking exercise for HR teams. These schemes need to be maintained and ingrained – and the best way to do this is to encourage two-way communication. Allow staff to comment on blogs, or respond to news articles by the CEO, take part in quick polls or give feedback.

Boost benefits for staff

If you give staff a free beer after work on a Friday or free fruit on a Monday, that’s great. But what about those who aren’t in the office – the ones who have to work remotely?

With work flexibility already in place with those working from home able to skip traffic to collect children, businesses should be looking to offer things like mental health support, gym memberships, or help with childcare costs.

Health and wellbeing is a big deal for HR crews this year.

Place trust in teams

Good relationships between department heads influences on how well team members collaborate. It’s important to create this culture by building means to communicate with people in different departments.

When it comes to collaboration you need to foster trust of ethics, integrity and competency. The more you can encourage trust in these areas, the more you can build relationships between teams, and most importantly between leadership teams and the rest of the workforce.

4 Tips to Help You Save Money When Buying a Phone

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Replacing your old phone doesn’t have to burn a hole in your wallet. If you know what to look for, there are many ways to buy phones on the cheap, whether you’re going for a new model or a used one. Here are some tips that can help you save money on your next phone purchase.

1 – Make a list of priorities

There is no point in paying for features and specs you’re not going to use. Before you start looking for a new phone, take a moment to consider what’s wrong with your current one and what you’d like your next phone to do for you.

Good questions to ask include: do you need a large screen? Do you need better cameras? Does the new phone need more internal storage? These are all factors that can have a significant impact on a phone’s price. It is a good idea to figure out early on what you can and can’t live without.

2 – Shop online

With rare exceptions, buying phones online is usually cheaper than getting them from a local store, especially if you do your research and make use of one of the many phone price comparison tools available online.

The only option that may be cheaper than buying online is getting it as part of a phone plan with a trade-in offer. However, those plans will often only give you access to expensive models. If you’re fine with a mid-tier option, you may be better off selling your old phone and getting a new one online.

There are plenty of companies that will buy and refurbish old phones out there; trade-ins aren’t the only way to get value out of your old device.

3 – Buy it used

It may seem backward to trade an old phone for another old one, but there are many types of used phones. You can often find barely-used phones for sale at 80 or 70% of their current price just a few months after the phone was launched.

There are plenty of people out there who sell their phones every six months or every year so they can always have the newest model. These users will usually protect their phones with a case and an anti-shock screen protector like the ones found on this website to make sure the handheld will retain its resale value.

4 – Buy last year’s model

The period of rapid development for phones is arguably over. Unless you’re looking for a device that folds, phones haven’t changed that much in the last 2-3 years. And many devices that were launched 2-3 years ago are still being sold and supported to this day; only they are sold at a fraction of their original price.

If you want to snatch a brand-new flagship phone for the price of a budget model, then the best place to look is in lists of the best phones of 2 years ago. Often, those devices won’t even be available in stores anymore, and they are probably no longer being manufactured or advertised. But they are still for sale online and remain brand new in their original box.

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