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North Europeans found to be some of the most avid card users, according to GlobalData

Sam Allcock
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North Europeans found to be some of the most avid card users, according to GlobalData

The people of key countries in North Europe have been found to be some of the most willing to pay for goods and services using payment cards (debit, credit or contactless), according to research by GlobalData. The leading data and analytics company notes that 245 card transactions were made in Denmark per person in 2021, while there were 194 in Norway, 194 in Sweden and 145 in the UK. These North-Europe countries have topped other big card users worldwide such as the US (109), Singapore (85), Germany (62.5) and Italy (52). 

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Ravi Sharma, Lead Banking and Payments Analyst at GlobalData, comments:“Over the last few years, many countries saw the last few things that required a cash payment—from buses to taxis—convert to card or digital payments. Take Sweden, for example. Commuters can now pay for metro, rail, bus, tram, and boat trips by simply tapping their contactless card. In fact, it is no surprise that Sweden tops the charts, as its payments industry is well developed and mature.”

According to GlobalData’s latest report, ‘Sweden Cards and Payments – Opportunities and Risks to 2025’, Sweden became the first cashless society, with physical money accounting for less than 1% of the country’s overall payment value in 2021. This was accelerated by the COVID-19 pandemic, as consumers saw cash as a potential disease vector. The number of cash transactions decreased by 8.1% in 2021.

However, similar to many countries worldwide, the Swedish card payments market was impacted by COVID-19. 

Sharma continues: “2020 was a difficult year for card payments in Sweden. The economic uncertainty caused by COVID-19 forced consumers to cut down on unnecessary spending, which, in turn, affected card payments. The general payments market registered a decline of 9% in 2020, with credit and charge cards impacted the most—at a 16% decline. Debit cards registered a decline of 6.4%.”

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Now, spurred by gradual economic recovery and rising consumer spending, payments are recovering. The country’s total card payments value is forecast to register a compound annual growth rate (CAGR) of 5% between 2021 and 2025, reaching $140.1 billion (SEK1.3 trillion) in 2025. Meanwhile, credit and charge cards will grow at a 6.3% CAGR, and debit cards will grow at a 4.6% CAGR.

Accountants are first port of call for SMBs struggling with rising costs as 3 in 4 experience increased demand for advice

Sam Allcock
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Accountants are first port of call for SMBs struggling with rising costs as 3 in 4 experience increased demand for advice
  • Managing rising business costs most in-demand support area for accountants
  • Accountants recommend hybrid working (28%) to mitigate rising costs
  • But more flexible workforce post-pandemic means 7 in 10 accountants find SMB clients are struggling with managing payroll
  • 3 in 10 (29%) SMBs seek accountants’ advice when making hiring decisions

A study from global technology platform Intuit QuickBooks has found that seeking support from a business accountant is the most popular choice for SMBs in the UK addressing rising costs to their businesses – with more seeking support from their accountant than from the Government (through schemes such as Help to Grow), small business networks, and social media.

Over half (55%) are already benefitting from this support from their accountant, while a further 30% are planning to enlist their help. Meanwhile, just 42% have already sought government support, while 44% look to small business networks, and 50% to social media.

The driver behind this increasing support is clear: over three-quarters (76%) of accountants in the UK are seeing increased demand for advice managing rising costs – making it the most in-demand area of support for accountants. This is no surprise given that the main challenge for almost half (43%) of small businesses is the rising cost of living, with 33% feeling unprepared for its impact.

Combatting rising costs with staffing strategies

According to accountants, taking advantage of hybrid working is the main way SMBs can mitigate rising costs (28%) with changing the way they manage business finances following closely behind (26%).

However, flexible working causes its own challenges, including hiring new staff. Staffing costs are one of SMB’s biggest expenses, and over 1 in 4 (29%) already seek their accountant’s advice when hiring new staff. The demand for this expertise for hiring new staff (63%) and for meeting the regulations of hiring freelance/contract staff (66%) is clear.

While a vast majority (79%) of accountants do feel their SMB clients can make decisions on hiring new staff without them, some common mistakes are tripping SMB owners up, with the top issues seen by accountants being:

  • Hiring staff without knowing how they will manage payroll (34%)
  • Making hiring decisions without a growth/financial plan (32%)
  • Not knowing what the business can afford in terms of salary/benefits (31%)
  • Not investing in payroll software/trying to do it themselves (30%)

In fact, managing payroll itself is one of the major areas where SMB customers look for accountants’ support (69%). A constantly fluctuating job market and employment landscape in the UK following The Great Resignation, coupled with the impact of rising costs of managing a business and in the supply chain are unsurprisingly driving this.

Pauline Green, Head of Product Compliance & Programs at QuickBooks, commented: “The rising costs facing SMBs are clearly causing financial stress and concern, so it’s encouraging to see the majority enlisting the expertise of their accountants for support. Accountants are acutely aware of SMBs’ financial struggles, and a safe pair of hands to turn to when the going gets tough.”

In the current cost of living crisis, taking a holistic view of business costs has never been so important, and staff costs can be one of SMBs’ biggest expenses. Accountants are uniquely positioned to give strategic advice around the financial impact of hiring decisions, as well as help clients manage the nuts and bolts of payroll – a process that has become increasingly complex in the post-pandemic world of work.

”The impact of flexible working is a double-edged sword – clearly accountants see it as a sound business decision, but also recognise the difficulties it brings to processes like payroll,” adds Green.“‘Going it alone’ is even more difficult in the current climate, and leaning on the knowledge and technical expertise of your accountant can help you make the simple technology investments that can ease the payroll process.”

Representatives from QuickBooks will be speaking at Accountex, Europe’s definitive event for accountancy and finance professionals, at the ExCel London on 11 and 12 May.

The Procurement Strategy in Construction: Factors to Take into Account for Selection of the Best-Matching One

ABC Staff
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The Procurement Strategy in Construction: Factors to Take into Account for Selection of the Best-Matching One

The construction industry is not lacking in challenges related to the contract, agreements, supply procedures, and other building stages. That is why a well-thought procurement strategy is required for contractors who are interested in the long-term performance in the market. 

This is a range of approaches that are combined into one tactic for construction companies. The procurement strategy covers all the potential sources of supply, building terms, the contract/agreement type, and many other aspects.

To pick a size with the best-matching tactic, especially for your company, it is necessary to take a closer look at the list of factors that matter for this selection. Additionally, it is recommended to pay more attention to the optimization and digitization approaches. Those contractors who use construction estimating software together with other digital tools for estimating, budget planning, and other processes are successful with their procurement strategies.

What Is the Procurement Strategy in Construction?

This is a process where all necessary goods and services are acquired. With the help of the win-win procurement strategy, contractors can turn their projects into extremely profitable ones. All the supplies should be bought effectively and should not ruin the approved budget.

If all the goods and services are acquired cost-efficiently, the risk of facing challenges concerning deadlines, schedules, and planned funds for this or that building stage is minimal. For example, the agreement between partners or parties of the construction alliance can save some funds in the context of commodity purchasing.

The procurement strategy is focused on time-saving tactics and the cost-efficiency of the company. Most contractors also choose the most proper conditions of the contract and pricing types at this stage. To pick sides with the best-matching range of planning and management approaches, it is necessary to pay attention to the top factors influencing the selection of the construction procurement strategy.

What Are the Top 4 Factors in the Context of the Procurement Strategy Selection?

It is worth noting that among the top-priority factors to take into consideration are four very important aspects. Let’s take a closer look at them to skip all the difficulties with the procurement strategy selection:

  1. The goal of the project. This is about the objective of the order delivery and other specifications like the terms, schedules, deadlines, etc. The client can specify any details to meet by the contractor. For example, some customers would like only green building techniques and eco-friendly materials for building. Additionally, the pricing is discussed here. Both contractors and clients should inform each other about their budget expectations.
  2. The constraint. There is a triangle of specifications when it comes to this factor. The contractor together with managers should take into account cost, time, and quality constraints. Additionally, the analysis of the labor resources should be undertaken.
  3. Contract risks. It is worth noting that all the contractors obtain challenges concerning the competition of the agreement to be signed. All the criteria should be adopted to the requirements of the client. There are specific competition issues that can affect the building program. That is why the range of risks should be identified timely.
  4. The complexity of the construction project. For example, the size of the agreement between parties can matter. Additionally, contractors can be limited in deadlines for the project completion and the scope of work to execute. The company should understand what machinery and equipment are required to deliver the result timely.

    Finally, it is worth mentioning that the true balance should be met between objectives and project completion terms. The procurement strategy covers all the risks, goals, and necessary resources like workers, supplies, and other tools to finish the order according to the specified schedule in the contract.

6 trends in pharma packaging you need to know about

ABC Staff
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6 trends in pharma packaging you need to know about

Pharma packaging is evolving fast to better the patient experience. Keeping up with the new packaging trends is vital for the success of pharmaceutical companies, as it allows them to stay relevant and stay on track with consumer expectations and demands.

In this article, the packaging experts from Packlion will talk about the six rising trends in pharma packaging.

What makes packaging so important?

Quality is key when we talk about medicine. But that statement is also valid for its pharmaceutical packaging, just as supplement manufacturers prioritize high-quality packaging to ensure product safety, compliance, and consumer trust. Pharma packaging is an integral part of medical products and is important for many reasons:

  • Helps patients distinguish different types of pharmaceutical products and brands
  • Serves to maintain the drug quality
  • Protects from external physical damage
  • Protects from biological degradation
  • Keeps medicine safe from exposure to liquids, light, and other substances
  • Contains crucial details on quantity, use, dosing, ingredients, warnings, side effects, allergic reactions, and safe disposal
  • Displays tracking information to ensure drug authenticity

As you can see, a pharmaceutical product without packaging could be quite unsafe and unreliable. But is traditional packaging enough or should pharma companies explore more up-to-date approaches and solutions? Keep on reading to find out.

6 important trends in pharma packaging

1. Innovative packaging

Innovations in packaging machinery are at their peak. That leads to a lot of inventive and unusual packaging solutions with robotics and 3D printing. There are already some pharmaceutical packaging prototypes on the market, and we are only expecting the automation trends to continue.

3D printing is like a revolution in the packaging field, as it makes prototyping accessible and eliminates the need for outsourcing inner packaging. Pharmaceutical companies can 3D-print their own bottles and containers, which lowers the environmental footprint and extra charges associated with container and packaging logistics.

On top of that, the innovative technology opens many doors to experiment with new, irregular, and odd shapes, sizes, and materials.

2. Sustainability

Eco-conscious people and eco-aware companies are constantly looking for ways to lower their footprint, minimize waste and plastic pollution, stop wasting resources, and save the environment. Eco-friendly packaging is a wonderful solution to all these environmental problems and is a selling point for many customers.

Switching to lightweight, biodegradable, and recyclable materials, made of renewable resources, is bound to make consumers happy, lower your shipping expenses and benefit the environment. The best eco-friendly materials to choose from for the outer pharma packaging are paper and cardboard. 

3. Serialized tracking and tracing

This trend is all about drug safety, theft protection, and control. Pharmaceutical packaging needs to be compliant with the regional rules of serialized tracking. Typically, the manufacturer needs to create tracing codes in accordance with local regulations and display them on the pharma packaging.

The idea behind serialization is to confirm medicine authenticity, ensure medication traceability and stop drug theft and counterfeiting. Tracking drugs is also a great way to keep medication and patients accountable, as it is overseen by health authorities.

4. Smaller batches

Another hot trend in pharma packaging right now is small product lots. And the reason is not as nature-related as you might think. While lowering the environmental footprint is a thing, small lots are actually an inventive way to catch up with innovative medicine.

Smaller batches are becoming a thing with the rise and development of biologics. It is safe to say, this is the future of pharmaceutical products and personalized drugs for cell and gene therapies. That eventually leads to higher demands for custom packaging to fit the tiny lot sizes.

5. Patient engagement

When it comes to pharmaceutical packaging, it is important to put out products that engage the patients. That means the packaging should display information on drug compliance. It should clearly help with dosing management and overall – improve the medical treatment experience.

To achieve that, pharma companies need to invest in the development of patient-friendly packaging with add-ons such as prefilled syringes, autoinjectors, or other easy-dosing devices.

6. Using smart technologies

Bringing smart tech (QR codes, NFC, Bluetooth) into packaging is a huge transformational step for pharmaceutical brands. And what is best – its incorporation in pharma packaging is way easier than it sounds.

There are many perks of smart packaging. The incorporation of technologies in pharma packaging can help better manage stock supply, recognize spoiled products and follow patient demand trends. At the same time, smart packaging improves safety and vastly reduces logistics risks.

Now your online browsing will also be saved!

ABC Staff
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Now your online browsing will also be saved!

As nowadays our internet activity is increasing day by day. Even just for a second, we don’t want to leave our laptops. There are running various types of sites. That may be on-page or off-page. So, we have to save our home savings from thieves in the same way we have to keep saving our laptops too. We use a VPN (a virtual private network) for this purpose. It protects our systems against hackers etc. According to general or specific features, there are bundles of VPNs available on market, but only a few can be labeled as the best. Every VPN consists of its own unique features, marvelous speed, etc.

Why the need for VPN?

Now there’s a question arises that which VPN is the best because it’s a matter of self-defense. In the market, everyone is claiming that we are providing better services than another one. So, before buying any VPN we have to check its internet speed, server locations, log policy, ease of use, malware blocking, variety of apps, etc. But we’ll see that all these facilities are easily provided by https://www.vpnpro.net. It’s true that everyone has their own needs and requirements according to their own satisfaction level. So, our ranking factor has covered all requirements, meaning that you can get anything under a roof. All these features are too much important for any golden VPN. It’s true that you want to buy that VPN where there is no need to log policy, this is known as a major ranking factor. We don’t need to be a programmer to use a VPN. The latest features are being updated as soon as possible. Like others, we also offer a 30-day free time period just to fulfill the client’s satisfaction.

How does it work?

It helps by creating a data tunnel that will be between your device and a node. After getting the exit node, it is thrown back towards the web page. Like you are using a VPN available in Melbourne, Australia but you are living in Germany. VPN will create a tunnel between the device and the VPN exit node in Melbourne. Data travels in form of the packets. Geo content filters and geo-blocking filters help to keep the information, browsing history, and identity private and secure. Its cost varies according to installed features and desirable package. Most of the VPNs also offer first-time buyer discount offers

P.S: There are various types of VPNs like privacy-focused, security-focused and freedom focused, etc.

How To Ensure Consumers Buy Their Used Car Safely

ABC Staff
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How To Ensure Consumers Buy Their Used Car Safely

Buying a used car needn’t be a risky business these days with the wealth of information available online and the range of options available.

If you do your research and watch out for some common red flags then you can be confident in your ability to spot a dodgy deal and shop around for a trustworthy seller.

Where to buy a used car?

We’ve ranked some of the most common ways to buy a used car based on how safe they are for the buyer:

Registered dealerships

A registered dealership is generally the safest way to buy a used car as they are obliged to have a greater knowledge of the vehicles they are selling and their history than a private seller would.

Registered dealerships are required to disclose any significant problems with the vehicle and you can apply to the relevant ombudsman or any trade associations they are a member of if anything goes wrong.

Look for information at the dealership about which trade associations they are a member of before buying. And check what assurances they provide (such as independent mechanic checks), so that if you have any problems and the dealership won’t sort them out you know where to go.

In return for this protection, you will probably pay a little more for your vehicle than you would from a private seller. But sometimes it’s a price worth paying for peace of mind.

Private individuals

A private seller isn’t obliged to know as much about the vehicle they are selling as a dealership would be, and some unscrupulous sellers will use this to hide information about the vehicle’s past they can pretend to be unaware of.

You can protect yourself by making sure you run a full vehicle history check on the car you are thinking of buying. By entering the reg number you will receive information about the mileage, any accidents the vehicle has been in, the MOT history of the car, and whether it has ever been stolen.

While seeing something unusual on the vehicle history check doesn’t necessarily mean you should walk away from the sale, it usually highlights something that you need to check against documentation to ensure it has been properly dealt with.

If the seller denies something has happened to the vehicle during the time they’ve owned it, but you can see it on the vehicle history report, this is a big red flag that something isn’t right with either the car or its documents.

You should physically see and check the car over when buying a used car from a private seller before any money changes hands. Be wary of anyone asking for a downpayment before you’ve seen any documents or the vehicle itself.

When viewing a used car, look for any obvious defects and check that the VIN matches in different positions on the vehicle as well as what’s recorded in the logbook.

Other sources

There are other ways of buying a used car but most are considered to carry a greater risk to the consumer if they’re not extremely careful.

It’s sometimes possible to grab a bargain vehicle at auctions but these cars are usually sold ‘as-is’. This means there may be hidden problems if the previous owner didn’t keep up with maintenance, drove the car carelessly, or didn’t keep the documentation up to date.

If you buy a used car at auction then you need to be ready to deal with any issues that come with it!

There are a lot of finance companies these days that can handle the entire purchase and delivery process for you. They’ll even bring your new car to your doorstep as soon as you’ve picked it out!

While you obviously can’t perform a physical inspection of the vehicle yourself in these cases, the finance company provides an extra layer of consumer protection if anything goes wrong with the car or the sale.

Just as buying from a dealership is more expensive than buying from a private individual, you will pay even more for the convenience of an online finance company purchase. Each additional person or company involved in the sale needs to get something out of it, and you will pay more for an easier process.

How can I protect myself when buying a used car?

No matter where you are buying a used car from, it’s always a good idea to run a vehicle history check and make sure that the information matches what you’ve been told about the car.

This is especially important when there has been a string of owners. A seller may not know everything about the vehicle, and, by running a vehicle history check, you can be one step ahead of common cons like mileage alteration and plate switching.

The payment method you choose is also a big factor in how safe the transaction is when buying a used car. If you pay in cash, you need to be very sure that you’re making the right choice at the point of sale – there’s no protection if there turns out to be an issue later on. Plus, if someone else denies the transaction it’s your word against theirs, which can make things difficult.

Making the transaction with a credit card, even if you have the balance to cover the payment, is an easy way to get additional protection from your credit card company when making a large purchase such as a used car.

Although the onus is still on you to ensure you’ve checked the vehicle over and done your due diligence in researching the seller, your credit card company adds fraud protection as well as allowing you to spread the payments.

When making transactions online, some companies will allow you to use PayPal. This offers a similar level of buyer protection as a credit card company, and also offers a payment spreading option that may not be available from all sellers. If you don’t have a credit card, this can be an easy way of adding buyer protection to online transactions.

If you’re not sure about a vehicle, you can get an independent report on it from a range of motoring organizations and specialist companies. Your trusted local garage or mechanic may be able to provide this service, or you can contact the Motoring Ombudsman for information about trusted sources of independent reports.

The Motoring Ombudsman is also your first port of call if you think someone has been deceptive when trying to sell you a car. This is an independent, government-backed body with oversight over the entire motoring industry and they are responsible for investigating fraudulent selling. If you think you’ve been scammed (or that a seller is trying to scam you) then you can contact the Ombudsman for free advice on how to proceed.

House prices have reached their peak – but property expert explains why you should buy now

Sam Allcock
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House prices have reached their peak – but property expert explains why you should buy now

Average first-time buyers already paying £612 more a year on mortgage costs than the beginning of March 

Simon Bath, property expert and CEO of iPlace Global, the creators of Moveable, comments on what an interest rate rise means for first-time buyers

The property market is intimidating enough for first-time buyers to get on the ladder; now, house prices have also reached an all-time high – making the process even more difficult. With this in mind, the Bank of England’s recent inflation projections could see an interest rate rise so large that first-time buyers will still pay more for a property, even if prices fall.

As soaring inflation continues to taint the UK economy, the effects of rising interest rates are making mortgage prices more expensive. Experts have warned that property prices are set to cool in the coming months, especially because British households are currently struggling with the biggest drop in disposable income since 1964. Further to this, a 40% increase in energy prices in October is set to also contribute to the plummeting demand for properties.

The fall in demand is set to slow down the rapid growth of current house prices; however, Simon Bath, CEO of iPlace Global, the creators of Moveable, warns prospective buyers that while prices are set to drop, mortgage costs are also rising at a pace fast enough to supersede this. 
The most recent rate adjustment to 1% will push monthly repayments up to £928, and a rise to 2% could push average costs to £983 – meaning that buyers would pay an extra £1272 a year compared to if they purchased a property in March. Even if the price of their home went down by 5%, first-time buyers are set to pay significantly more.

Simon Bath, property expert and CEO of iPlace Global, the creators of Moveable, comments:

“The Central Bank has warned that inflation could reach double digits by the end of year. This news means that the younger generation – in particular first time homebuyers – will be most affected by rising rates. This is because first-time buyers often have a smaller deposit and need the most borrowing power – which will undoubtingly mean that borrowers will be scrutinised over their ability to afford a mortgage when applying to lenders. That being, said, many lenders will continue to offer rates for the broad spectrum of home movers.

“An increased rate move could add hundreds of pounds a year to the average mortgage bill for those on the standard variable rate – especially in an arena with such high demand and low supply. The Bank of England base rate has just reached 1% for the first time in thirteen years, with expectation that this could rise above 2% in the coming months. For many homebuyers, this could still be a relatively cheap level of borrowing – especially given the Central Bank’s projections – which potentially makes it an extremely attractive option versus the ever increasing average rental levels seen in the market.”

New Book Launch Unravels Tax for UK’s £364 Billion Hustle Economy

Sam Allcock
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New Book Launch Unravels Tax for UK’s £364 Billion Hustle Economy

The world of tax seems to inflict more horror to Brits than the thought of giving up their daily cuppa. Enter TaxScouts, whose team of tax-perts are publishing a complete 2022 tax guide to help millions of Brits navigating the current hustle economy with getting ahead of their finances like a true boss.

Tax 101: Surviving the Hustle Economy is a free e-book that aims to support anyone who has an additional source of income – be it through stocks or crypto investments, Airbnb rentals, online sales, freelancing gig etc. – with a comprehensive guide to understand the tax implications that each of these side hustles will bring. 

Want to know how to do a CGT tax return on crypto investments? Curious about what tax to pay on Depop sales? Need to learn how to claim tax relief on pensions as a freelancer? Each of the 10 chapters of Tax 101: Surviving the Hustle Economy will offer the ‘need to knows’ and the best ways to not just navigate through the complex world of tax, but to also own it. 

Every year, more than 12 million people are required to complete their tax returns. The stakes are high – get it wrong and you could be out of pocket or worse, be fined – and the stress of it all seems to be getting to people. In January 2022, HMRC said that 630,000 submitted their tax returns on the last day before the cut-off and more than 2 million missed the deadline. It really doesn’t have to be this tough!

Tax 101: Surviving the Hustle Economy is available from the TaxScouts website, as well as Apple and Amazon, is completely free and has something for everyone so readers can pick and choose the elements that are most relevant to them. 

In 2018, TaxScouts launched its online tax return service, which matches clients to accountants, who can file tax returns for £119 all in. After experiencing exponential growth, TaxScouts secured £5m series A funding from Octopus Ventures in 2020, which helped it achieve international expansion, particularly across Spain and the journey to expand across Europe continues.

In January 2022, TaxScouts held an incredibly successful crowdfunding campaign, raising £2.9m from its community and the general public, and reaching 292% of the original £1m target. The raise goes towards further expansion into Europe, doubling down on its success in Spain, and to create more products to take the stress of tax for its users. 

Where can you find the free book? Tax 101: Surviving the Hustle Economy is available here: https://taxscouts.com/tax-101-book.

UNIVERSAL CREDIT CHANGES: HERE’S WHAT YOU NEED TO KNOW

Sam Allcock
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UNIVERSAL CREDIT CHANGES: HERE’S WHAT YOU NEED TO KNOW

More than 2.6 million UK households will be moved from ‘old-style’ benefits to Universal Credit starting from today (May 9th).

The government has been slowly moving households who receive Working Tax Credits, Child Tax Credit and similar benefits to Universal Credit through a mandatory migration process.

While the change will initially affect 500 households, the aim is to consolidate all benefits recipients under one system, in a switch due to be completed by December 2024.

James Andrews, Senior Personal Finance Editor at money.co.uk, said: “Anyone receiving ‘old-style’ benefits could see their payments change from today.

“If you’re currently receiving Working Tax Credit, Child Tax Credit, Income-based Jobseeker’s Allowance, Income Support, Income Related Employment or Support Allowance or Housing Benefit, you will be switched to Universal Credit by December 2024.

“Initially this will only affect 500 households, however more households will be moved in the coming months.

“Anyone who has had a recent change of circumstances, such as moving home or having a baby, may find themselves switched sooner.

“Once you receive a migration notice in the post you will have a three-month deadline to apply for Universal Credit. If you don’t make a claim for Universal Credit within this time, your current benefits will automatically stop.

“Everyone will be moved over eventually, so it’s worth working out how much you could be entitled to under Universal Credit

“Universal Credit is a monthly allowance from the government, to help you cover basic necessities like food, rent and bills. If you are over the age of 18, unemployed, or on low income, you can apply for Universal Credit through the government website.

“Sites like EntitledTo and Turn2Us let you find out your benefit entitlement under Universal Credit in less than 10 minutes – all you need to do is answer a series of simple questions about your living and working situations.

“If you are eligible, then monthly payments will vary between £344 and £596.58, depending on your circumstances. A single payment is paid into your bank account each month if you live in England or Wales, although you can apply for an alternative payment arrangement if you need additional support. In Scotland and Northern Ireland there is the option of payment every two weeks.

“For more information about what Universal Credit is and how it works, use money.co.uk’s comprehensive guide here.”

The Future of Online Shopping in 2022

ABC Staff
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The Future of Online Shopping in 2022

From how we put together, to how we get our news – we’re progressively moving everything on the web. In the beyond couple of many years, web-based shopping has gone from being non-existent to turning into a multibillion-dollar industry. Purchasing things online has turned into a typical practice among a large number of individuals all over the planet. As of late the number of individuals purchasing labor and products online has expanded like never before previously. 

One reason why web-based shopping has developed such a huge amount over the course of the years is a direct result of the experience that organizations can give to their clients. We’re continually seeing organizations add new highlights and administrations for online customers, with the expectation of giving them the very backing and solace that they would have during an in-person shopping experience. Actually shopping on the web is turning out to be increasingly more like shopping face to face. There are many ShoppingArchives.com where you you can buy your desired porduct in your price range. Assuming you have an internet-based store or are keen on building one, these main 10 internet shopping measurements will assist with directing you in the correct heading for 2022.

How Many People Shop Online?

In 2022, an expected 2.14 billion individuals overall are supposed to buy merchandise on the web (Statista, 2017). Simultaneously, worldwide web-based business deals is conjectured at $4.891 trillion. On the off chance that these internet shopping measurements aren’t sufficient to blow you away, projections show that web-based business deals overall will develop to $6.4 trillion by 2024.

The development of internet shopping is just amazing and it doesn’t appear as though it will dial back any time soon. This is uplifting news for you, whether you’re a web-based purchaser or a web-based merchant.

The justification behind picking web-based shopping could differ from comfort to cutthroat costs. Also, online organizations are making an honest effort to ensure that the experience of internet shopping matches face-to-face shopping encounters.

Presently, purchasers can find additional subtleties and item portrayals from the solace of their home substantially more effectively, because of headways, for example, the 360-degree item perspectives and model size subtleties for web-based attire stores.

Assuming you have an online business store, you presumably know that with developing contests, it tends to be difficult to stick out. That is the reason it’s essential to select your main interest group cautiously and attempt to zero in on your endeavors on your clients. One method for doing this is to give clients definite item depictions and pictures.

Best Online Clothing Store

Could it be said that you are hoping to track down the best internet based stores in Worlwide? Then, at that point, you’re perfectly located. We accumulated a rundown of the Online shopping directory with over 400,850+ stores at in light of value, an incentive for cash and client care insight. You have apparently vast potential outcomes of where and what to purchase, yet it’s not difficult to get overpowered with such countless choices. Furthermore, at times when you are searching for one specific thing, bags, shoes, clothes, makeup similar to the ideal stout loafers, you wind up squandering hours looking through some unacceptable destinations that don’t have the exact thing you are searching for.

That is the reason we have thought of our rundown of the best places to shop on the web, in light of explicit item needs. The best online clothing stores we assessed their item choice as well as significant elements like delivery choices, merchandise exchanges, site route, and any additional advantages, for example, styling administrations and prizes programs.

Advantage of Online Shopping

The main benefit of internet shopping is that we can look at the costs of different things across a few eCommerce site. Along these lines, we are guaranteed the best arrangement. The web-based electronic stores sell different electronic items at serious costs. We can purchase cell phones, TVs, fridges from the accommodation of our home. The majority of the main internet shopping site permits the clients to pay money down of the items. Thus, the gamble of online cash move gets moderated

Conclusion

Innovation has gained critical headway throughout the years to give customers a superior web-based shopping experience and will keep on doing as such long into the future. With the quick development of items and brands, individuals have estimated that internet shopping will surpass in-store shopping. While this has been the situation in certain areas, there is still interest for physical stores in market regions where the customer feels happier with seeing and it being purchased to contact the item. Notwithstanding, the accessibility of internet shopping has created a more instructed customer that can search around no sweat without investing a lot of energy. In return, internet shopping has opened up ways to numerous little retailers that could never be good to go assuming they needed to cause the significant expense of claiming a physical store. Toward the end, it has been a mutually beneficial arrangement for both customers and vendors.

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