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Explained: The importance of financial planning

Sam Allcock
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Explained: The importance of financial planning

With all the complexities and challenges of handling your finances, you might wonder if there’s a simpler, more efficient way to do so.

The answer: effective financial planning.

In this article, you’ll learn why financial planning is key to a more reliable and rewarding financial outcome.

But first, you’ll understand why a financial adviser is crucial to help you develop this plan.

Why seek financial advice?

With financial planning being pivotal to successfully managing your wealth, you must ensure you develop and refine the best plan for your circumstances.

This is where a financial adviser comes in.

Your chosen expert will ideally come with a great deal of experience in the world of finances, and will be keen to understand your current circumstances and any concerns or obstacles you might be facing when it comes to planning your future.

Your adviser will help you create a financial plan that’s tailored specifically to your unique financial circumstances, as well as the particular short and long-term goals you have.

So whether you’re looking to develop your investment portfolio, plan for your retirement, or gain financial security, an expert financial adviser can be crucial when financial planning.

Why is financial planning important?

Effective financial planning is vital to help you manage both your present and future finances. There are various reasons for this, some of which include:

  • Achieving your financial goals

Financial planning can help you achieve all your short and long-term financial goals.

Your financial journey is much like anything else – the more well-devised and expert your plan is, the more success you’re likely to have in your efforts.

Every individual has different goals, which is again why a financial adviser can help you refine them to align with your current circumstances.

For example, you may be approaching your retirement, and are hoping to retire at a certain age with a particular amount in your pension pot – enough to sustain your dream retirement lifestyle.

These few simple goals alone come with many things to consider, so you need both an expert approach and advice to help you understand how manageable these goals are, as well as the specifics involved.

A financial plan ensures you have all the necessary steps laid out clearly and accurately, to show you what you need to do to achieve your unique financial goals, and how long this may realistically take.

  • More effective investment strategies

Investing is a core component of many of our financial journeys, and this is why financial planning can help to identify more appropriate and potentially profitable strategies.

Change can happen in every area of the financial world, and your wealth’s resilience is likely influenced by a range of factors. These can be external such as inflation and how markets perform, and changes to your own circumstances such as a higher income or when you are approaching retirement.

Therefore, financial planning and investment management – preferably aided by a financial adviser – will ensure effective monitoring, evaluation, and adjustment of your investments, according to both your goals and the factors that influence their outcome.

Using the above example, for instance, you need to ensure you’ve contributed enough to secure your desired retirement goals. You may ask:

  • Do you have enough invested to fund your lifestyle?
  • Have you factored in tax allowances, structuring your contributions and withdrawals for tax optimisation?
  • When will you be able to secure your return on investment?

With a clear financial plan, you can strategically execute your investments and contributions appropriately in line with your financial goals.

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As you can clearly see, financial planning is one of the most crucial components when it comes to achieving a favourable financial outcome. Moreso, if you want to develop the most accurately tailored and effective plan, you should seek financial advice.

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Please note, the value of your investments can go down as well as up.

Ten things consumers need to know about Buy Now Pay Later

Sam Allcock
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0
Ten things consumers need to know about Buy Now Pay Later

When it comes to the worlds of consumer and fintech, Buy Now Pay Later is the phrase on everybody’s lips. The development is in the news as much as the cost-of-living crisis, and the two concepts have some synergy, with some people now relying on it to pay for daily essentials.

But what is Buy Now Pay Later (BNPL), how does it work and does using it have any impact on a good credit score in the UK? Here the experts at MustCompare reveal the ten things you must know.

1. What BNPL is, in a nutshell

Buy Now Pay Later does exactly what it says on the tin. It is a form of financial technology that lets people buy goods now and pay for them later. Typically, it can be found as an option at a retailer’s website checkout when shopping online.

Many retailers offer at least one type of BNPL to customers on various terms, such as pay in three or pay in 30 days.

2. The popularity of Buy Now Pay Later

The explosion in e-commerce during the Covid-19 pandemic propelled BNPL into mainstream popularity, although it had been around for years, along with a sharp increase in Buy Now Pay Later apps in the UK.

As of August 2022, it is estimated around eight million people in the UK owe money through borrowing in this way, according to a report completed by reference agency Credit Karma. The total amount owed at that time was £4.14bn.

Citizen’s Advice has also found that one in 12 people use BNPL options to cover daily essentials. The same research found that two-fifths of customers then had to borrow money or take out a payday loan to make repayments.

3. The mainstream BNPL companies

Klarna, with its pink logo, is often what people think of when it comes to BNPL. It has spent time as Europe’s most valuable private tech company and was the most downloaded app in the Buy Now Pay Later market between January and July 2020.

Clearpay is another popular option on the market and has even become the primary sponsor for London Fashion Week in a two-year partnership that began in February 2021.

And there is Laybuy, which is accepted by UK high street retailers such as & Other Stories, and online retailers like Boohoo. There are many more providers of BNPL, each catering to different markets and demographics.

4. How BNPL works and what it costs

There are multiple options when it comes to settling your BNPL bill.

Some are interest-free, such as Klarna’s Pay In Three scheme that splits the total into three payments, one due immediately, one 30 days later and the final 60 days after the purchase.

For larger purchases, Klarna financing spreads the cost of the purchase for up to 36 months. The first payment is taken one month after purchase, and they continue monthly until the full payment is complete. This option charges interest and involves completing a soft check for credit score.

Clearpay allows customers to pay the total balance in four parts within a total of six weeks. The first instalment is paid immediately, and a late fee is charged if you miss one.

Laybuy allows you to spread the cost over six automatic weekly payments, interest-free.

They may apply a £6 late fee if a payment is missed twice.

5. Is BNPL a good idea?

That depends. It can be a fitting, convenient and cheap credit solution for customers wanting to make a one-off purchase that is not within their budget today but reasonable when spread over several payments. But the costs must be managed correctly for that to be the case.

If not managed correctly, it could be the start of a debt cycle due to late payment charges if you miss payments, as well as having a negative impact on your credit rating, which could make it harder for you to get approved for credit in the future. The main question to consider is whether you can afford the repayments.

6. How Buy Now Pay Later affects credit scores

Since 1st June 2022, Klarna has been sharing Buy Now Pay Later UK data with credit reference agencies Experian and TransUnion. This means that Buy Now Pay Later purchases made through Klarna will be visible on your credit file as a soft credit check, which Klarna says will not affect your credit score. However, Klarna have stated that if you apply for one of their Financing options, a hard credit check will be performed, which may affect your credit score. Klarna and TransUnion have reassured consumers that BNPL purchases showing on your credit file will not impact your credit score right now – but it may have an impact in the future. Other BNPL companies have yet to announce whether they will follow suit.

Your credit file is not the same as your credit score, the latter being a number that credit reference agencies assign to you that indicates how reliable you are at borrowing and repaying money to lenders.

A good credit score is achieved through being a responsible borrower, and there are positive steps you can take to improve your credit score. It is a good idea to check your online credit report on a monthly basis to keep an eye on your financial information. 

7. How BNPL is evolving – fast

In recent months there have been many industry developments. Several tech giants and high street bank NatWest have announced intentions to enter the market. Last month Apple confirmed it was to launch its own BNPL scheme in the USA, triggering concerns about the use of customer data from America’s top US consumer finance regulator.

The FCA (the UK’s financial regulator) is keen to get BNPL companies further regulated by 2023 to give customers more transparency and make sure that customers are treated fairly. 

8. Does Buy Now Pay Later guarantee approval?

No, that is not always the case. Consumers can be refused, and it is worth checking out the terms and conditions of the provider before considering a purchase. It is also good personal finance practice to monitor your credit files regularly, so that you can quickly spot any potential issues that could lead to a rejected BNPL application.

9. The alternatives to Buy Now Pay Later

There are alternatives to using Buy Now, Pay Later.

The most obvious is the tried and tested buy it when you can afford it route. Waiting a few more days until after payday to make that purchase of a new pair of shoes on your debit card, rather than opting for instant gratification, means you avoid unnecessary borrowing, and don’t risk impacting your credit rating.

Regarding non-essentials, another way of funding larger purchases is to save up. Online bank accounts make this easy by offering functions such as rounding up spends to the nearest £1, and funneling those small amounts into an attached savings account. You can even assign goals to your savings, to help focus your efforts and achieve that big purchase quicker.

Using a credit card responsibly by repaying purchases within the grace period or taking advantage of an interest-free offer remains a longer-term alternative. However, it is important to be disciplined with spending on credit, and not allow yourself to run up debt that will be difficult and costly to repay.

If you can, it’s best to steer clear of high-interest options such as payday loans, especially for non-essential purchases.

Another major money concern consumers and businesses face currently is the high cost of electricity and gas, but there are other ways to save money on energy bills.

10. The future of Buy Now Pay Later

BNPL has shaken up the consumer finance market. The latest development in the industry seems to target businesses instead of shoppers.

Bloomberg has reported that startups in Buy Now Pay Later are looking to provide companies with short-term loans that help them go about their trade faster than traditional finance from banks. Watch this space.

5 Legal Rights and Issues Everyone Should Know About

Sam Allcock
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0
5 Legal Rights and Issues Everyone Should Know About

The law governs our lives more than we can imagine. No aspect of our lives, regardless of how small or trivial we may think it, that doesn’t have a set of rules and regulations. In most cases, we don’t even consider the legal aspect of things, but even if we unknowingly break a law, it can cause serious problems. The constitution provides every individual with rights and responsibilities.

We have to be careful while carrying out certain activities regarding their legal implications. Also, sometimes we are unaware of the rights the law provides us for our protection. Every sector of a country and everyone is governed by laws like businesses, firms, investors, employers, employees, etc. Everyone must follow a set of rules and must also know their rights. Here are five legal rights and legal issues that you must know about.

  • Your Will:

Estate planning or making a will while you are still alive is not only the right of every individual, but it’s also very beneficial as it’s more of a necessity. You have the right to make decisions regarding the distribution of your wealth. Making a will might seem complicated, but it’s very simple. You can even draft an online will, which may take as little as 10 minutes.

You can divide your assets among your spouse, children, friends, or relatives however you want. Also, you can nominate the legal guardian for your minor children in your will in case you pass away. Not only that, you can state if you want to donate your wealth and property to a specific organization or charity.

Furthermore, you need to decide on who you want to make the executor of your will or someone to give a power of attorney to. If you don’t exercise this right, your family and friends will have to deal with several complex legal issues after your demise.

  • Personal Injury:

If you ever incur an injury that was not your fault and resulted from someone else’s negligence, you can file a lawsuit. For example, if you get into an accident because of the other person’s fault, and you incurred injuries, or your vehicle got seriously damaged, you have the legal right to hold the other person accountable.

Sometimes, a person gets a serious injury that can also lead to a disability. In that scenario, you have the right to receive financial compensation for your medical expenses and lost income. You need to file a case against the person, and you will need a good lawyer for that. Find a good personal injury attorney. The lawyer you hire must be an expert in that specific type of case.

The thing that helps the most in such situations is the evidence. If you have picture or video evidence of the accident, medical certificate, or receipts of the medical bills you faced because of that injury, it can be helpful in winning the case.

  • Copyright Laws:

Nowadays, everybody is busy making memes and GIFs for fun. Or some people also have multiple YouTube channels to earn some money. Whether for earning, educational, or even entertainment purposes, if you use an image, video, audio, sound, etc. that someone else owns and has copyrighted, you will be making a huge mistake. You should always take it seriously and check before using any type of song, video, etc. Make sure you are not violating any copyright laws by using it.

The Digital Millennium Copyright Act applies across all possible social networking platforms and channels like Instagram, YouTube, Meta, etc. In case of infringing this law, you will get strike warnings by the respective platform, and your account or channel can be permanently banned in case of multiple notices. So, giving credit is preferable when you use someone else’s original content as a reference or ask for their permission first.

But keep in mind, this law gives you the same rights too. If someone has copied your original content on Meta, Instagram, or YouTube, you can easily report that and get it taken down.

  • Driving Rules:

Always follow all traffic rules, stop at the stop signs and red signals even when there is no traffic, slow down when the signs say so, etc. Some person or vehicle can unexpectedly come rushing your way, so it’s always better to follow the rules so you will not be at fault, even in case of a serious incident. Always fasten your seatbelt.

There are driving laws that vary from state to state, so educate yourself about such rules. It’s strictly prohibited to take phone calls while driving, and in almost every state, texting while driving is also not allowed. Moreover, in some states, using headphones while driving is also illegal. Make sure you know the rules and also abide by them.

There are on-road rules you need to be aware of too. For example, where and for how long you can park your vehicle on the road, as some states fine drivers for leaving the car door open for too long, etc. Also, while driving, if you feel there needs to be a stop sign at a turn somewhere, it’s your right to make a petition, get it signed by the majority of people in your town/community, and get that sign installed.

  • Tenant Rights:

Your landlord might feel they have more control and hold all the cards, but as a tenant, you have plenty of rights that your landlord can’t take away. First, it’s illegal to reject a tenant based on any type of discrimination, such as age, gender, religious background, ethnicity, etc. If you find yourself in such a situation, you can take legal action against that person.

Similarly, a landlord cannot rent you a house if it does not have basic facilities like access to heat, electricity connection, availability of water, etc. The house must be safe to live in. Not only that, but if you fail to pay rent on time, the landlord cannot cut these things off.

Your landlord cannot enter the house without your permission. You have a right to privacy. They can enter the house only in case of certain instances, like for repairs or showing a new tenant the place, but not without your permission.

Conclusion:

Sometimes unknowingly, you might break a law. From parking your vehicle to renting a house, there are specific rules you must comply with. Similarly, if someone accuses you falsely, or you suffer from a workplace hazard the employer didn’t mention, you have legal rights to get under the protection of the law and receive compensation. Read through these five legal rights and issues to increase your knowledge.

NAGA: a reliable and secure broker for managing your investments

Sam Allcock
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0
NAGA: a reliable and secure broker for managing your investments

Naga offers a secure platform that allows you to manage your investments with the peace of mind that comes from professional experience.

The financial market revolution is now a reality at NAGA Group. This platform is home to a social network that provides a number of advantages. You will have access to social trading, where you can learn from the knowledge and experience of other users. You canalso see new developments in real time and take advantage of informative videos and the latest news, all with the certainty that your personal information is completely private.

Trust and regulation

Choosing the best platform from among the many that are offered is the first step in delving into online trading. NAGA allows you to practice trading with a no-risk demo, which can help youlearn, acquire more knowledge and increase your chances of success. With this simulator, you can practice trading different financial instruments such as stocks, bonds, currencies, etc.

Professionalism, safety and transparency are essential when using an online broker that trades your money in the stocks that you request. It’s also important to verify that a broker is regulated and supervised by a governing body, meaning that they are obligated to comply with a set of norms that guarantee solvency and the protection of funds.

NAGAis a regulated broker with the licenses necessary to be an intermediary in the financial markets. It is authorized and regulated by the CyprusSecurities and Exchange Commission, CySEC and is registered under code HE251168. It is subject to the Markets in Financial Instruments Directive (MiFID), a European directive that decides the way that investment consulting firms inform their clients about their financial products. Their website also falls under German intellectual property laws.

An environment with many options

Besides its social trading platform, NAGA offers a range of productsrelated to the cryptocurrency investment market including updated charts for different stock prices, such as ETHUSD, DOGEUSD and XTZUSD,among others. These products include:

  • NAGA App available for iOS and Android.
  • NAGAWallet, a virtual wallet for safeguarding and exchanging cryptocurrencies with other users.
  • NAGAPay, an exclusive platform that combines an IBAN account and a VISA card, allowing you to trade and invest from your mobile device.
  • NAGAProtector is a tool that lets you add a greater level of protection to your trading account.
  • NAGACoin is the platform’s virtual currency.
  • NAGAAutocopy for automatically copying the trading done by the most experienced investors. This is a good option if you are not a professional trader.
  • NAGA Exchange is a platform for secure cryptocurrency exchange.
  • NAGA Achievements is a tool that gives you discounts according to your level of experience on the platform.

Technical considerations

In order to utilize these products, you must register and create an account with NAGA. The process is simple: First, go to the NAGA website and click on “register.” Here you will enter your personal information like your name, phone number and email. Then, you will create a password. NAGAMarkets will send you an SMS code and an email to confirm your information and open your account. From there, you will be asked to fill out a questionnaire about your investment knowledge and experience and to accept the NAGA terms and conditions.

NAGA provides excellent customer service and quick response times through their help center. You can contact them through their website, by phone or by email. With the live chatoption, you’ll receive immediate technical support to help you resolve any issues.

6 Ways to Improve Internal Communication For Your Business

Sam Allcock
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6 Ways to Improve Internal Communication For Your Business

Internal communication is one of the most important factors in your business. It helps to build trust and respect while improving productivity and efficiency. But if you don’t have good internal communication, it can damage your company. This is because poor internal communication can lead to misunderstandings, mistakes, and even conflicts. So every business owner needs to know how to improve internal communication in their company. This is where we step in. Read this article till the end to understand how to improve internal communication in your business.

Create a Team Culture

A strong team culture helps employees to work together and improves their productivity. Some important elements of building a good team culture include:

  • Creating a sense of belonging
  • Providing opportunities for social interaction (e.g., team lunches or after work drinks)
  • Offering perks like educational courses, health insurance, and flexible working hours
  • Creating a sense of ownership. Encouraging employees to feel like they own the company and have a stake in its success.

If you create a strong team culture, your employees will be more motivated and productive. 

Encourage Open Communication

Open communication helps to build trust and respect between employees and managers. Additionally, it can help to improve decision-making and problem-solving. 

You can encourage open communication by:

  • Encouraging employees to share their ideas and suggestions
  • Making time for regular one-on-one meetings with employees
  • Asking for feedback from employees regularly
  • Organizing team-building activities.
  • Creating an open door policy where employees feel comfortable approaching their managers with any questions or concerns they may have. 

Use the Right Communication Tools

Using the right communication tools is crucial for effective internal communication. Some of the commonly used tools are:

  • Emails
  • Instant messaging
  • Video conferencing
  • Project management software
  • Intranet 
  • Social media 

Each of these tools has its advantages and disadvantages. It would help if you choose the right tool based on your business needs. For example, email would be the best option if you need to communicate with a large number of employees quickly.

However, instant messaging would be a better choice if you need to have a more personal interaction with an employee. You can also integrate an LMS and Intranet software for better communication.

Foster a Positive Work Environment

Employees should feel comfortable approaching their managers and speaking openly about their concerns. Moreover, the workplace should be structured in such a way that promotes collaboration and teamwork.

Some ways to foster a positive work environment include:

  • Encouraging employees to dress comfortably
  • Allowing employees to decorate their workstations
  • Providing opportunities for social interaction (e.g., team lunches or after work drinks)
  • Promoting flexible working hours
  • Giving employees access to recreational facilities (e.g., gym, pool, or ping pong table)

Provide Training on Communication Skills

Your employees must have the necessary communication skills to communicate effectively. This is why you should provide training to imporve communication skills.

Focus on these training topics:

  • How to listen effectively
  • How to give constructive feedback
  • How to resolve conflict
  • How to communicate effectively in writing
  • How to use different communication tools (e.g., email, instant messaging, video conferencing)

Encourage Feedback

Encouraging feedback is essential for effective internal communication. It helps to ensure that employees feel comfortable sharing their ideas and suggestions. Also, it can help to improve decision-making and problem-solving.

Final Word

Effective internal communication is essential for any business. It can help to build trust and respect between employees and managers. We hope the above tips will help you to improve internal communication in your business. 

If you have any questions or concerns, feel free to comment!

Upcoming Popular Trends in 2023

Sam Allcock
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Upcoming Popular Trends in 2023

The online casino industry has become a multi-billion British pound industry in the past few years. Thanks to widespread internet use and advanced technology, it’s growing more popular. 

Online casinos have witnessed all-time high love over the past few years because of the flexibility, versatility, comfort and security it offers. This trend will continue to grow even larger with some amazing advancements. So, let’s look at all the compelling reasons why online casinos will become more popular in 2023.

Legalisation Trends

The foremost and very important reason online casinos will become popular in 2023 is the acceptance of the online casino industry. Many countries are legalising and regulating casinos because of their massiveness and great profits. 

Moreover, the players have peace of mind and try more online casinos for authenticity. As a result, some best online casinos in the UK, like https://www.bestpayingonlinecasino.co.uk/, follow all the rules and regulations. Therefore, approval and legalisation are going to become a global trend.

A Growth Spurt After COVID 19

The most important reason that online casinos will become more popular in the coming time is the switch to virtual and digital platforms after COVID. The world has turned digital, and people choose comfort and safety more. 

Unfortunately, time and now, there are small outbreaks of COVID, which have led to the shutdown of land-based casinos and other industries. As a result, people are exploring online casinos and learning great tips for live casino players. 

Competitive Bonuses and Perks

Online casinos are getting increasingly competitive and offering generous sign-up bonuses, loyalty programs, free spins, etc. They are profitable and help you try various casino games. Also, it helps you manage your bankroll while relishing the games. These perks are great as compared to physical casinos. All these bonuses make online casinos a great platform to indulge in competitive games.

Addition of Flexible Payment Options

Security and flexibility are one thing casino players demand, and they get completely satisfied with them on online platforms. Easy payment options include credit/debit cards, e Wallets, and prepaid cards. Moreover, all transactions and personal information are secure, and these platforms practise high protection. 

You can check their transparency, privacy and security terms on the websites. This gives the player peace of mind, and they play without a second thought. All this flexibility, comfort to play from anywhere, versatile games, etc., make the online casinos property grow immensely.

Rise of Cryptocurrency Powered by Blockchain Technology

You may have heard about cryptocurrency, digital currencies like Bitcoin, Dogecoin etc. and blockchain technology. Well, they all are related and take online casinos to the next level. So, you can buy digital currency and store it in digital wallets. Now, you can initiate games worldwide by depositing them as money. 

You can avoid currency converters, transaction waiting times, transaction fees or payment failures through digital currency. These are universal money protected by blockchain; no one can track your information online. This robust blockchain security and the flexibility of cryptocurrencies make online casinos very popular. Moreover, the flexibility and speed are amazing. 

Virtual Reality in Online Casinos

Virtual reality gives next-level entertainment and fun to online casinos with amazing technology. You can enjoy the games like in real casinos by wearing VR headsets. The true overlapping of virtual and real-life entities is incredible. 

Virtual reality, augmented reality, VR technologies, smart wearables etc., give you the feel of a real-life casino. You can throw your cards like in a real casino, show your love and experience another level of fun. These technological advancements are readily accepted by online casinos and make online platforms very loved.

Mobile Friendliness

People are choosing convenience and flexibility over everything. Under this trend, online casinos are launching amazing mobile apps, a one-stop solution for playing from anywhere. It has all your information, gives notifications, and lets users play effortlessly. These competitive apps are a way to experience the ultimate fun of casinos. The great customisation, alerts, bonus, and quick methods attract more customers.

Last but not Least, the Availability of Games

Online casinos have become a plethora of all types of casino games. But, then, there are all the traditional news and exciting games. It may be the case that you can’t find all of them in a single casino. This factor, all the reasons discussed above, is why online casinos will become more popular in 2023. 

Online casinos are keeping up with all the latest trends to attract players. As a result, the industry is flourishing like no other. So, keep checking here for all the latest updates.

Why Hair Transplantation in Turkey – Dr. Ziya Yavuz

Sam Allcock
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0
Why Hair Transplantation in Turkey – Dr. Ziya Yavuz

We asked Dr. Ziya Yavuz, who is among the first names that come to mind when talking about hair transplants in Istanbul, about popular hair transplant techniques in Turkey and Istanbul especially.

For starters, welcome. We thank you for taking time out of your busy schedule and agreeing to conduct an interview with us. You’re one of the first professionals that come to mind when it comes to hair transplant in Turkey. We’ll talk about a lot of subjects such as hair transplant techniques to how the transplants are done, but we’d like to ask this first; what makes Dr. Ziya Yavuz special? Why do patients from all over the world choose you when there are so many hair transplant centers in Turkey?

I’d like to thank you for your courtesy. Yes, the hair transplant sector is quite crowded at the moment. Nevertheless, I wanted to take the time to talk to you about the seriousness of the procedure because there is a lot of misinformation floating around regarding transplants. It transformed into a huge sector and as such, many clinics of various sizes sprung up. Unfortunately, many clinics, centers, hospitals do not meet the requirements of the procedures.

When you do your best, care about patient satisfaction and especially follow up with them regularly, you start being perceived differently and new patients find you without needing any additional promotion. As you know in medical practices, patient references are just as important as self promotion.

When satisfied patients start recommending you to their friends and relatives that raises awareness and brings in new patients.

It’s an undeniable fact that hair transplants are quite popular. So as Dr. Ziya Yavuz, what kind of process do you offer patients, along with correct application and patient focused care?

Even though hair transplants are done in many places, it is in fact a surgery.

Therefore it should be done under sterile operating room conditions. In addition, from the moment the patient is put under anesthesia the process needs to be handled properly.

These steps need to be followed not just for good results or appearances but also for the patient’s health. This is what we offer them. We provide hair transplants under the best conditions, in a good operating room, within a fully equipped hospital.

All our procedures are done in Acıbadem Hospital Group, which is turkey’s largest one.

This means, since like I mentioned hair transplants are essentially surgeries, that we can offer the best possible health care for our patients in case of a potential complication.

Lucky me, in all my years and thousands of transplants, I never encountered any complications. Nonetheless, as a responsible doctor I value being prepared for any situation. So I can say I offer my patients good health, followed by a good hair transplant.

We hear a lot about hair transplant procedures. Frankly, it gets confusing after a while. I’m sure people get confused about which techniques are suitable for whom, how they’re done, how the process can best be completed both financially and mentally. Can you talk a bit about the procedures you use?

You are correct. Not only are there many different techniques used today, marketing terms used for medical tourism can lead to the same procedure being referred to by many different names. For example let’s look at DHI which means Direct Hair Implant, a name that pretty much describes the procedure.

Even though we use the FUE method to harvest grafts, meaning hair follicles to be implanted one by one, we use a special tool called an Implanter Pen for the opening of the  canals and the transplant stage. With this tool we can do both simultaneously.

Therefore the procedure takes a bit longer than other techniques but ensures easier healing and makes the transplant process much easier, especially in narrow areas.

This method is sometimes called DHI Hair Transplant, sometimes CHOI and shaveless Hair Transplant in some areas, This being the case makes people think there are more methods than there really are and confuses them.

I often use DHI and Sapphire FUE methods. These two methods provide endless benefits.

DHI provides a shaveless hair transplant while Sapphire FUE gives much better results than FUT or classical FUE methods.

The Sapphire FUE method is called advanced FUE, is that correct? Or should it be regarded as its own seperate thing?

That is correct. We can call it advanced FUE, or even a subcategory of the FUE method.

The distinguishing characteristic of this method are special sapphire tips that are used to make micro incisions instead of steel ones. Let me talk  a bit about the benefits of this for the patient. First of all, some patients show allergic reactions to steel so Sapphire FUE is an ideal method for allergic people. In addition, sapphire is a much sharper material than steel, therefore we can make much cleaner micro cuts in the scalp compared to steel.

Cleaner cuts lead to better transplants and help with much faster recovery for our patients.

So it’s a win-win situation.

In conclusion, what would you recommend to those who want to get a hair transplant?

I recommend that they search thoroughly for a good hair transplant doctor instead of getting bogged down in deatils. When you find a good team they provide everything you need and help you with the process to get the best possible results. Because I put patient satisfaction first from the day I started my profession, I’m able to observe different approaches like an outside party. If the doctor and crew they choose do not have a patient-first approach, they can run into a bunch of financial and emotional problems. In short, choosing the right doctor will bring succesfull transplant results.

Arif Efendi explains how crypto is used in the football industry

Sam Allcock
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0
Arif Efendi explains how crypto is used in the football industry

Cryptocurrency and football used to be two completely unrelated realms, but this has changed recently. Arif Efendi, a businessman who is passionate about crypto and a huge football fan, has witnessed the merge of the two fields with great interest.

Football clubs are embracing the use of cryptocurrencies as a means of payment either in the transfer or building engagements.

Fans also are not left behind as they welcome the unleashed fan tokens in the broad trajectory of the football industry.

With its vast potential and functionality, crypto use is predicted to cross all verticals due to the continued rise in the integration of Artificial Intelligence (AI) and blockchain technologies.

Arif Efendi is watching closely the emerging issues fundamental to shaping the digital currency world. In this article, Efendi lays out how cryptocurrency is being used in the football industry as a means of payment.

He claims that using crypto should be embraced because the football industry is a vast sector with numerous marketing possibilities for footballers and fans.

The first football club to be bought using cryptocurrency. A historical landmark, according to Arif Efendi

In 2018, the Serie C Italian football club Rimini FC  became the first soccer team in history to be bought in digital currency-cryptocurrency. Currently, 25% of the club stake is owned by Heritage Sports Holdings, and it was paid through Quantocoin.

According to Forbes reports, the purchase of Rimini represents a deal of investment made by Heritage sports holdings.

The use of blockchain technology in line with cryptocurrency is poised to be an integral part of fighting corruption in football and offer unmatched efficiencies. That will streamline the administrative processes and procedures of running professional sports teams.

As a result, UEFA wants to increase transparency and alleviate inconsistencies within the professional football industry.

In addition, UEFA made an atrial by using a blockchain method to allocate stadium seats to fans in a match between Atletico Madrid and Real Madrid in a super cup final. This was a trial method to gauge its suitability and promote efficiencies in crypto transactions.

The first football player paid in cryptocurrency

In 2021 the former Real Madrid super striker David Barral was the first footballer transferred by Bitcoin as a payment means. The bid was seen in his transfer deal to Segunda B DUX International de Madrid, with it being fully funded through cryptocurrency.

The club didn’t explain why they chose this way of payment. But it was a historical landmark, and it is expected to be the first of many, says Arif Efendi.

The move cached the attention of the international media. It is an indicator of how digital currencies have become a reality in every industry.

FIFA to launch NFT platform for soccer Fans, the most recent release that cached Arif Efendi’s attention

The International Football governing body (FIFA) did announce recently the upcoming launch of the NFT platform, which is ideal for offering digital collectibles. The NFTs will perpetuate the greatest game moments for the FIFAs world cup.

The NFT platform developed has been partnered with blockchain firm Algorand to ease collections of tokens and unleash comprehensive details that are exclusive alongside the limited edition.

With digital collectibles, football matches can be represented through iconic arts and imagery for FIFA Women’s World Cup and the FIFA World Cup.

The announcement avails collectibles to all football fans to democratize the ability of the FIFA world cup. Fantom keeps upgrading, and football fans engage in existing and new games just like stickers and sports memorabilia to heighten smooth accessibility to opportunities.

FIFA+ Collect will entirely be available on the FIFA+ federation virtual platform to offer access to live football games globally. Also, interactive games, tournament information, news, and relevant content will be available even with all digital collectibles launched in French, English, and Spanish.

The further commitment here is to bridge fans’ seamless engagement with the web3 enabled Algorand.

Crypto companies sponsoring football clubs

Numerous crypto companies have struck deals with football clubs. The companies partner with the clubs to make financial markets easily accessible to reinforce extensive actions for extending investment opportunities. In this respect, eToro has partnered with European soccer teams, given heightening sponsorship deals, explains Arif Efendi.

The worldwide investment platform has launched twelve new sponsorships for Germany and UK teams to expand their investment activities. The English Premier League clubs eToro has aimed to sponsor within its partnership deals are Leicester City, Everton, Southampton, and crystal palace.

As well, eToro has announced it will partner with German Bundesliga teams of FC Cologne, Union Berlin, Vfl Wolfsburg, and FC Augsburg. Moreover, the partnerships will extend to Danish Champions FC Midtjylland.

The deals will grant eToro worldwide exposure to achieve numerous extensive marketing opportunities like digital rights, tickets, and match day display LED boards. With these opportunities, individuals will get an enabling platform for investing in digital collectibles, either as crypto assets or stocks.

The companies sponsor football clubs with football attires, mainly jerseys, boots, and balls, to enhance their brand reputation and availability in the market.

Furthermore, top Forex brokers are splashing sponsorship deals to premier league clubs as a way of strengthening the use of crypto. The crypto companies are helping the clubs complete kits that meet international standards, thereby hyping their deals.

Also, Clubs like Manchester United and Manchester City are possibly moving to engage their sponsorships deals with crypto companies. The step can be seen through sleeve sponsorships anticipated to replace mobile companies and heighten the use of cryptocurrencies.

The football fan tokens are the newest source of income for the clubs

Fan tokens are a category of cryptocurrency developed to offer membership benefits to the fans of a football team, says Arif Efendi. Holders of fan tokens do get membership perks. Such benefits can include exclusive fan events, limited edit merch, access to games, and voting rights. The voting rights may be used, for example, for making team decisions like bus designs, the team’s official motto, and kit designs.

Fan tokens are paid only once, limiting the need for regular subscriptions.

The fan tokens constitute a new source of income for football clubs and a new way for fans to interact with their favorite team.

The new trends and technology are causing football and sports, in general, to embrace new methodologies and opportunities.  The use of cryptocurrencies worldwide is on the rise and the football market is not an exception. Arif Efendi believes that crypto will grow exponentially in every market. He predicts that we will see many more examples in the football industry soon.

Promote New Products through Content Marketing

Sam Allcock
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Promote New Products through Content Marketing

If you are launching a new product, you can resort to content marketing as it works wonders for any products and services. Content marketing lets your target audience know about the arrival, characteristics, variants, availability, appeal, ingredients, benefits, advantages, and usefulness of your new products. More than providing your target audience with information on your new products, content marketing tickles them and creates an interest in them to take action regarding your new products. Continue reading this article to know how many ways content marketing can be used to promote your new products. 

Promote New Products through Intro Content

You can write and publish introductory content about your new products, spread the content through as many content and social media platforms as possible and ensure its maximum reach to give first-hand information about your new products. You can use an optimum number of hashtags and keywords in your promotion so that your content connects to the right audience and creates desired actions.

Promote New Products through Deep-dive Content

Deep dive content is writing extensively and elaborately on each aspect of your products, and each of your products. You can promote your new products with such comprehensively written deep-dive content and make your target audience understand the full potential and personality of your new products. Deep dive content is highly productive and result-oriented as it produces a huge number of website visits and a high conversion.

Promote New Products through Link Promotion

You can promote your new products page links in a variety of ways. and means through content marketing. You can write creative content and promote your new product links through ads, social media posts, directory submissions, URL submissions, articles, etc., and get high footfalls to your new product pages.

Promote New Products through Video Content

Videos are an excellent way to promote new products and their page links. Videos help your target audience to understand your new products in a straightforward manner. You can publish a series of videos that explain  about your various new products, their unique features and advantages. You can buy quality backlinks United Kingdom to promote new products through stunning video posts.

Promote New Products through Product Images

Sharing and promoting your new products’ images with an apt description of the products through image sharing sites and social media will not only showcase your products but also generate clicks for your new products pages and product orders.

Promote New Products through Infographics

Infographics are a nice way to show your audience how various aspects of your new products work. Infographics educate your audience about various dimensions of your products and illustrate to them how your new products fit different use cases.

Promote New Products through Blogs

Through blogs you can cover a lot about your new products. Through each blog post, you can explain how your products can satisfy your needs and expectations.

Conclusion

Content marketing announces and highlights the merits of your new products, creates their awareness and triggers their sales. You can employ high-quality SEO & link building to boost visibility and sales on your new products.

C&C Group CEO Niraz Buhari and Graham Proud of Lighthouse Describes Relevance of Insuretech and Hyper Personalisation

Sam Allcock
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C&C Group CEO Niraz Buhari and Graham Proud of Lighthouse Describes Relevance of Insuretech and Hyper Personalisation

Due to ongoing technological advancements, there is now a new level of personalization that has been given the name “hyper-personalization.” This level of personalization is especially helpful as customers spend more time online. A recent survey found that the average amount of time spent by an individual has doubled over the past few years, and this trend is not going away any time soon. Because more people are spending time online and using apps, there will be an increased demand for online information that is of a higher quality and more pertinent than ever before. This trend will be particularly noticeable in the fields of financial services and insurance.

LIIFT 2022 is an exclusive insurance event for the leaders of change in our industry. Leadership teams from product, claims, technology, data, and customer functions will determine next steps to increase business efficiencies and transform client experiences. A major theme of the event is ‘What blend of talent and technology is creating genuine impact?

As CEO of The Lighthouse Group, I would like to personally recognize the work of our industry in the last 12 months and celebrate that in NYC. We welcome Asurit as part of that conversation as a leader in their own field.

If you work in marketing, you’ve probably been using traditional personalization strategies to entice website visitors, keep their attention, and convert them into paying customers. These strategies can be helpful in all three of these areas. If you address customers by their first names in outreach emails or say “Hey, Kevin!” as they log into your website, you are showing that you care. Niraz Buhari said that “The Insurance Intermediaries like Smart Cover started benefitting the hyper personalisation since the beginning of 2022”. 

The attention of businesses has been drawn. According to Gartner, seven out of ten boards have accelerated their digital business initiatives, and nearly half of all boards anticipate that the epidemic will change the way in which they conduct business. In order for businesses to stimulate growth, they will need to better understand their most valuable customers, who are defined as those who use the internet on a more regular basis and are willing to pay for goods and services that meet their requirements, and connect with these customers. The provision of personalised services, with the intention of gaining the attention and financial support of internet users, will be the primary focus.

The concept of personalization in and of itself is not something brand new. The rapid development of AI and machine learning technologies has resulted in the availability of tools that are easy to access. Data is generated in large quantities as a result of interactions that take place online. In addition, customers are showing a growing willingness to part with their personal information in exchange for practical benefits such as enhanced levels of personalization in the interactions they have with businesses. To create more personalised experiences for their customers than ever before, companies can now use and analyse the data they collect from their customers in real time.

The Netflix Method is a model of excellence in this regard.

The use case of Netflix is a very good example because it creates highly personalised experiences for its customers by leveraging real-time data and artificial intelligence. According to the consulting firm Accenture, forward-thinking businesses are currently focusing their attention on a cutting-edge method of marketing that is commonly referred to as “hyper customisation.” The constant availability of customer information, which is a prerequisite for hyperpersonalization, must be provided.

When it comes to the nuts and bolts of the process, it is essential to devise a personalization strategy first by analysing consumer needs and designing unique paths for each individual. After the plan has been developed, it is necessary to locate the appropriate data, technology, and architecture before beginning implementation.

But the loss of one’s privacy is undeniably the most important issue that should be taken into consideration. The gathering of additional customer information is required for personalization, and this can happen with or without the customer’s consent. Even when the user gives their consent for their data to be shared, they still risk having their privacy compromised. Businesses have an obligation to carefully consider whether or not compromising customers’ personal information is absolutely necessary to accomplish their strategic objectives. What specific kinds of data are needed, as well as how much of them? The trade-offs between personalization and privacy are something that needs to be carefully considered and openly discussed.

Traditional marketing is falling further and further behind, particularly as digital, data-first, and businesses that sell directly to customers continue to gain market share. In the cutthroat arena of digital marketing, hyper personalization presents a potential opportunity for companies to break through the clutter and provide customers with precisely what it is that they might be looking for.

In a nutshell, hyper-personalization refers to the process of displaying to customers carefully curated items and content by making use of artificial intelligence (AI) and real-time data. It enables businesses and retail establishments to provide a one-of-a-kind customer experience that is tailored to the specific tastes and preferences of each individual customer by treating customers as individuals with distinct tastes and preferences.

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