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Business Meal Etiquette: How to go to a Client Event and Survive to Tell the Tale

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Entering the corporate world can be a daunting prospect. Whether you’re fresh out of education or returning to work after some time away, the social side of a job can sometimes seem like an even bigger challenge than the role itself. Client events can tell a lot about your character and professionalism, and these half-business, half-social hybrid affairs can be a tricky scene to navigate. You’ll want to feel comfortable enough with the status-quo to impress during them.

Get prepared and learn how to play the game with our handy guide on business meal etiquette, to score top points with your boss and any potential clients.

Dress for the occasion

Planning to be a high-flyer starts before you’ve left your house. As you head out for your event, check your appearance in the mirror one last time: are you dressed appropriately? Context will determine what you should wear — if it’s a sit-down dinner to kick off a financial conference, you’ll likely be expected in formal attire, whereas if you’re off to a client-bonding night at a sports bar, you’d expect to go casual. Adapt your dress based on what and where the event is.

Good grooming is also vital if you want to impress. As much as we’d all like to be judged solely for our words and actions (or at least, those of us that aren’t devastatingly beautiful would like to be), appearance is one of the most significant factors that impact how we are perceived. Business Insider reports that first impressions develop before any greetings are exchanged, with how we look significantly influencing how others will rate our character traits, including trustworthiness and intelligence. As a result, you want to turn up to any event looking clean, well presented, and dressed appropriately.

Be punctual

Once you’re out of the house, it’s your next task to arrive on time — make sure to begin that all-important outfit selection process well in advance, because being fashionably late will do you no favours. Wherever you’re heading, aim to get there five to ten minutes before the reservation time. You want to give yourself some margin for error if anything holds you up on the journey, as being late could see you being perceived as rude or disorganised — hardly ideal for a good first impression, nor conducive to positive working relationships.

However, it’s best to be communicative if you think you’re going to run late. Most people are fairly understanding, and we’ve all lost the race against the clock at one point or another. Unfortunately, accidents happen, and public transport delays have surged in recent times. Always make your host  aware, as an unexplained absence could reflect poorly on you or your company.

Choose your food wisely

You’re all dressed up, on time, and sitting down to eat. So, what do you order from the menu? Ideally, you should pick a light dish without lashings of sauce or greasy ingredients that could easily transfer to your face or clothing. As long as you wear a napkin, there’s no need to avoid your favourite Italian foods like spaghetti or pizza;  this is no slight against Italian cuisine: more so just a sensible preventative measure to keep you looking your best.

Making good food and drink pairing choices is another subtle way to demonstrate your competence. Certain ingredients are better suited to particular beverages, so you may want to scour the menu ahead of time and use a handy wine pairing guide to figure out what combination you’ll be enjoying when it comes time to order. You probably already know the basics: red for beef or cured meat, white for chicken and fish — but an in-depth understanding of flavour profiles can help you to look educated and tasteful, as well as be a great talking point.

Work the room

Now that the dining’s done and you’ve impressed your party, it’s time to fulfil the ‘business’ side of things. Remember the purpose of the meal: it might be the moment to sell your product, close a deal, or carry out general client outreach. For some events, this could be as simple as exchanging business cards, but on other occasions you may be expected to discuss projects and negotiations. If this is the case, it’s best to start by warming up the room.

Your food (and probably more significantly, your drinks orders) should have done most of this heavy lifting for you. Still, if reception is frosty, it’s best to begin with casual conversation about neutral topics, such as travel or happenings in the workweek. Then, once you’ve established rapport, move on to more pragmatic discussions about working together. When time is of the essence, it’s best to get to the agenda of the evening before everybody slips into an after-dinner food coma.

Show your manners

Lastly, you need to remember your pleases and thank yous around the dinner table. This might seem obvious, but the final step to ensuring slick proceedings at a business meal is making sure that everybody leaves with a good taste in their mouth.

Thank the host for the invitation, and let them know that you enjoyed the evening. If you’ve heard murmurs of your colleagues offering to pay their part of the bill, it’s polite to do the same — but always accept graciously if the person or party who put on the event wants to get it themselves.

Stay off your phone for the duration of the evening (unless LinkedIn connection requests start flying out) and keep elbows off the table setting. If dining somewhere especially formal, you might even want to revise your utensil etiquette before going in, so as not to embarrass yourself by tucking into a salad with a seafood fork.

If you’ve followed these steps and everything goes to plan, you should be well on your way to new business connections. However, if something goes awry, don’t panic — dust yourself off and start talking about wine pairings again. It never fails. Best of luck!

Can You Afford To Be Aggressive In Your Investments At The Age Of 40?

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Asset Allocation preferences follow the life-cycle theory of human beings.

The Life cycle theory says that your propensity to assume risk is higher in your younger years and reduces as you grow older. You become more conservative in your outlook with age.

Age group between 20 and 40 years

As you are younger, you are looking at longer working life at the beginning of your career. Any investments you make have a more extended period to recover from market fluctuations and pass through various business cycles. You also have a greater propensity to assume risk.

Accordingly, your portfolio allocation is more towards risky assets and less focused on conservative assets. Your asset allocation is more geared towards equities and less towards bonds, savings deposits and other such assets.

Age group 40 years and above

As you grow older and approach your 40s, you grow in your professional career, reaching higher levels of salaries and perquisites. Your family also grows and your children begin pursuing higher education. Your emoluments grow along with your personal expenditure demands. You have been steadily savings for the past 20 years in high growth assets and have accumulated a sufficient corpus. But your personal expenditures are also keeping pace. At this stage, when you are in your 40s, you are still facing another 20 years of a professional career with steady and growing cash inflows.

The historical returns on the various asset classes are given below:-

The compound annual growth rate of the various asset classes have been as follows:-

Asset-Class Rate of return p.a.(%)
FD pre-tax 9.38%
FD Post-tax 7.04%
Gold 9.15%
Sensex 30 17.07%
Government Bonds 7%- 13.5%
Corporate bonds 7%- 15%
Indian Real estate 15%

As can be seen from the above graph, stock market investment i.e equity market have the highest compound annual growth rate during the period under consideration, while fixed deposits have the lowest rates.

Asset Allocation for a 40-year-old professional could look like this:

Asset Class Conservative Allocation Aggressive Allocation
Equities and equity linked products 55% 72%
Government bonds and Corporate Bonds 20% 10%
FD post-tax 8% 5%
Gold, commodities 4% 5%
Indian Real estate 13% 8%
Total 100% 100%

You can position yourself anywhere in this asset-allocation continuum. The higher your relative allocation to equities, the higher the risk-adjusted return and wealth maximisation will be. Self-owned real estate forms a part of the asset allocation as it forms a part of your net worth. No asset class is devoid of risk; even bonds and fixed deposits are subject to interest-rate risk.

You can calculate your risk-adjusted return from the above tables and see which scenario results in the highest risk-adjusted portfolio return. Also, your portfolio returns have to be adjusted for inflation. When inflation is high in the economy, the return on bank FDs drops considerably. Also, proper research and due diligence must be conducted when investing in equity-linked products and ensuring appropriate diversification of portfolio assets.

Long-term wealth maximisation is aimed to help you maintain your preferred standard of living and remain independent during the post-retirement years.

Vista Founder and Chairman Thomas Flohr Leads Company to Soaring Acquisitions

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Vista Founder and Chairman Thomas Flohr recently led Vista to acquire Jet Edge and Air Hamburg. These deals make Vista among the largest private charter flight operators in the world.

“Vista’s commitment is to provide the most comprehensive range of flying solutions in private aviation,” Flohr said in a statement quoted on JustLuxe.com. “Today’s announcement brings significant value to our clients, with access to a further 100 aircraft, expanding our fleet at a time of unprecedented demand for business aviation services.”

The company reached an agreement to acquire Air Hamburg in February 2022 and Jet Edge in March 2022. Both acquisitions closed recently in June 2022.

“It has been an absolute pleasure to work closely with the leadership team to ensure both companies capitalize fully on the global opportunities within the expanding private aviation market,” Flohr said of the Air Hamburg deal as reported on AeroTime Hub.

Vista Flying High

Jet Edge is the eighth-largest charter plane operator in North America per charter flight and fractional hours. There are 100 large-cabin and super-midsize jets in its fleet, which substantially add to Vista’s inventory and operations.

Both deals include aircraft, management contracts, leases, and other assets. These deals are on the heals of many prior acquisitions Vista has done over the years, including: XOJET, JetSmarter, Red Wing Aviation, Apollo Jets and Talon Air.

Vista’s Dominance as a Global Operator

These two acquisitions will place Vista among the largest global charter flight operators. Specifically, the company will be in contention for first and second place with NetJets.

NetJets, which is owned by Berkshire Hathaway, has the largest market share in the United States, but is significantly behind Vista in the rest of the world.

The next two largest charter flight operators are Wheels Up (NYSE: UP) and FlexJet.

The total market share of the industry’s leading companies shows how much parity there is within the industry. The 10 largest operators have only 45.1% of the global market share, and the 30 largest hold 53.9% of the market.

We expect to see further consolidation in this industry.

Jet Edge Fuels Vista’s North American Growth

Jet Edge’s fleet and operational footprint will benefit both VistaJet and XO clients. Members can book flights on a larger global fleet either through VistaJet’s fixed-rate guaranteed availability Program or XO’s on demand membership programs. XO members also benefit from the ability  to sell or purchase unused seats on shared private jet flights, which is a disruptive innovation in the industry.

Prior to the acquisition, Jet Edge transitioned from a wholesale business model to a more retail-focused one. It started a membership program called Reserve, seeing excellent success, reaching $100 million in sales. These members will now benefit from Vista’s global fleet of over 350 aircraft worldwide.

Thomas Flohr Weighs In

In an official statement, Thomas Flohr commented on why he’s leading Vista to make this acquisition. He said, “This acquisition is the latest example of Vista’s ability to capitalize on key opportunities in the highly fragmented and fast-growing business aviation world.”

Jet Edge is the fastest-growing large and super-mid private flight operator in the United States. Its addition to the Vista portfolio will allow Vista to offer the largest fleet of Gulfstream aircraft to its members.

“Bringing Jet Edge, the fastest-growing large-cabin and super-mid on-demand company in the U.S., into the group scales up our presence in North America, giving Vista the opportunity to turbocharge growth in the most dynamic aviation market,” says Flohr in the statement to Forbes. “It also means expanding our offering and presenting our members with the chance to fly on the largest fleet of Gulfstream aircraft available.”

Growing for Increased Demand Next Year

The private charter flight industry is expected to grow throughout 2023. Demand for flights has been at record levels since June 2021, and that demand is only forecast to increase.

Vista is aggressively seeking to take advantage of the growing industry to further cement its position as one of the four most prominent operators. These two acquisitions have a pivotal role in that growth.

In addition to these two acquisitions, Vista issued a bond offering of $1 billion in unsecured notes due in 2030. These notes allowed the company to pay off bonds that were due in 2024 and thus continue investing in the growth opportunities available now.

About Vista, Jet Edge, and Thomas Flohr

Vista is one of the largest global operators of private charter flights. The company offers flights to members on fixed-rate and variable pricing around the world and is based in Dubai.

Jet Edge is the fastest-growing private charter flight operator in the United States. The company has been transitioning from wholesale to retail operations, seeing significant sales in the first year of the transition.

Thomas Flohr is the Founder and Chairman of Vista. He’s overseen the company’s growth to become one of the largest operators in the industry.

Can I get mini excavator financing?

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With construction driving our current economy, it is not surprising that small and mid-sized businesses are leveraging the boom and investing in heavy machinery like excavators. These machines enable them to take on projects that were previously out of their reach.

In addition, financing new or gently used excavators expands a company’s fleet. However, mini excavators are a significant investment, and purchasing one outright requires a considerable capital outlay. It makes outright purchases out of reach for many business owners who lack the necessary capital or prefer to keep it on hand for other purposes.

Are you thinking about purchasing a mini excavator? What will your excavator financing monthly payments be? It may be cheaper to rent an excavator if you only need it occasionally, but only if you rarely use it. If you intend to use an excavator regularly, you should buy one. Depending on your business’s size and budget, you can finance a mini excavator.

Finance a mini excavator

Excavators are an absolute necessity in the commercial construction industry. Most businesses cannot afford to pay for heavy equipment out of pocket. As a result, they turn to equipment finance companies. They offer several excavator financing programs for customers with good to excellent credit, low down payments, and flexible payments, with no impact on your business or personal credit.

Making informed decisions about heavy equipment financing is critical for any construction company. It is crucial to a company’s growth and sustainability to have up-to-date equipment to maximize efficiency and comply with ever-changing regulations.

At the same time, excavators are used in the construction industry to move large objects. They move the earth, break up the soil, and dig drains or ditches. Because construction sites are inherently dangerous environments, mini excavators expose operators to various hazards. It could result in high costs. 

As a result, insurance is also critical for multiple heavy equipment. It would be best if you did not risk your equipment’s safety to save a few dollars. Thus, contact  fast machinery insurance. As per information, they are the best. 

How can heavy equipment be financed?

  • Identifying a Financing Partner.

Finding and selecting the best financing partner is essential. They can help you manage tax and accounting issues while providing flexible, tailored repayment plans and lease termination options. Leases, commercial finance agreements, and equipment loans are among the equipment financing options available to businesses across the country.

  • Choose whether you like to lease or purchase it.

Now, it’s time to decide whether to lease or buy. Several elements should be considered when making this decision. With low initial costs and manageable monthly payments, leasing can be an appealing option.

But owning heavy equipment has several advantages, primarily if you frequently use it over long periods. The equipment can be kept on-site and used whenever needed, without worrying about returning it within a specific time frame. Contractors accumulate equity in the equipment over time, and at the end of its service life, they can trade it in or resell it in their fleet, capturing additional value.

  • Apply for finance and buy.

Each lender has a different set of terms. Some provide excellent rates, extended loan terms, low-interest rates, or flexible financing. There are numerous outside financing lenders available across the country who offer competitive rates and terms. So, research and select the best one.

Conclusion

So, do you need to finance a mini excavator? Hope this article helps. Furthermore, excavators are an essential part of many business operations, which means they are frequently used in situations that expose them to a significant risk of damage.

 Excavators are an expensive investment, and any damage caused by unexpected operational accidents can result in substantial financial loss for your company, so make sure to insure them.

How to Create Your Own Crypto in 7 Simple Steps and How Can Cryptocurrency Development Services Help You with That?

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The evolution of money happens as we move into the future. We stopped using pure gold by replacing it with physical coins made of gold. After that, the coins were replaced with paper money, and, later still, with plastic cards. Nowadays, the world is full of non-physical means of payment – online and cryptocurrencies, and this tendency determines the direction of money evolution that will likely happen soon. That’s why it’s not surprising that cryptocurrency development services, along with blockchain consulting services, have become so popular in the past decade.

Today, when blockchain wallets have solidly occupied their niche in everyday usage and payments, it’s probably the best time to join the ranks and create your own cryptocurrency. But how to do that correctly? And is it actually worth considering the opportunity of entering the DeFi world in 2022?

Let’s take a closer look at those questions and dot the I’s before diving entirely into the crypto industry.

Why is it worth developing your own crypto?

To be true, a cryptocurrency is still in its infancy. Although Bitcoin has created a real buzz over the past few years in the crypto market, and it seems that everyone is mining, that’s not quite right. The crypto adoption index worldwide is still pretty low. Currency is still not used across the global geographic spectrum, so developing a cryptocurrency in 2022 definitely makes sense. However, in addition to being a pioneer in your market niche, here’s what else you can achieve with the help of crypto:

  • Business branding. Even Microsoft launched its own cryptocurrency. The reason for that is marketing. Today, owning crypto is a trend that gives companies a competitive advantage in addition to other benefits. Having your own cryptocurrency definitely adds value to your brand. As soon as you say you own crypto, you immediately seem more forward-thinking and modern, like you know what you’re doing, and that’s what makes end customers and investors trust you.
  • Savings and guarantees. Remember that cryptocurrencies don’t require any extra fees to complete a transaction. If your business depends on transactions, especially international ones, you can also save on taxes. However, in addition to the savings, blockchain offers the guarantee that the coins or tokens sent will be delivered without any loss or error. This assurance also helps while handling business and striking deals.
  • Project crowdfunding. ICOs are the new trend for raising money for a startup or growing business. Instead of spending days on paperwork, you can create a token and sell it to raise money without a paper trail or hassle. In this case, cryptocurrency can work wonders, as it did with the famous Ethereum, because ICOs don’t guarantee investors any rights to company stocks or a say in its development – everything you do is sell the token and collect the investment.
  • Currency popularization. Yes, this is the true reason to get into crypto right now. While global adoption is low, more and more companies are starting to accept cryptocurrency payments – restaurants like PizzaHut or Starbucks, travel companies like Expedia or CheapAir, most video games like Minecraft, etc. Nowadays, even crypto cards are emerging in the market. In this case, the earlier you get started, the more experience you can get and the more opportunities you’ll be able to realize.

How do crypto and blockchain development services help you while creating your own one?

The answer to this question is pretty straightforward – crypto and blockchain development services will help you to create a robust and technically superior blockchain infrastructure for your cryptocurrency, considering all the key details that impact the final result considerably. This allows you to focus on the business and marketing aspects of the venture while a blockchain development platform takes care of the technical side of things.

How to create crypto in 7 simple steps

Finally, let’s have a look at the process of developing your own cryptocurrency – just follow each step accurately, and your crypto will be definitely created successfully.

1. Come up with an original idea

First of all, make sure you know why you’re creating a new cryptocurrency, who will use it, and how you’re going to expand the user flow. So just think about your initial idea and develop it into a ready-made marketing strategy.

2. Choose a consensus algorithm

Besides the two main consensus algorithm options you can consider – Proof-of-Work (PoW) and Proof-of-Stake (PoS) – you can use the Proof-of-Capacity (PoC) mechanism as well. It’s actually similar to PoS in decision making: the more free space a node has, the higher its chances of adding a block to the chain. Proof of Activity (PoA) uses the best of what the PoW and PoS mechanisms have to offer. Think about the consensus algorithm that works best for your model, and choose one for your particular project.

3. Decide on a blockchain platform

Consensus algorithms determine how a blockchain works. As a result, they also affect how a particular blockchain platform will operate. Thus, your choice of blockchain platform depends on the consensus mechanism selected before, so take your time and choose wisely to avoid all the unpleasant consequences in the future.

4. Design the nodes

Regarding the choice of nodes’ design, think about the following characteristics:

  • Permissions for public or private nodes,
  • Cloud or on-premises hosting,
  • Minimum and acceptable system requirements (OS, processor type, memory, etc.).

5. Create internal structure

In this case, it’s pretty essential to think about all the internal rules for transactions, node participation and identification, currency exchange and movement, access regulations, and so on.

6. Integrate the APIs

You need APIs to deliver user responses to your blockchain and then send the system response back. Some blockchains have their own APIs, but not all of them. So, at this point, just make sure you have the right APIs. If the built-in option isn’t available, use third-party services such as Coinbase, Neuroware, Colu, or ChromaWay.

7. Design the UI

Create with the future in mind. Make sure your interface is simple and intuitive, otherwise your cryptocurrency will never become popular with the masses. In addition, don’t forget about the differences between the admin and the rest of your users by designing different interfaces for them. That’s it!

The Different Types of Scaffolding and How They’re Used

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Construction workers often use scaffolding as a way to build taller structures. If a structure is under construction, then workers can use scaffolding to build it up. The purpose of scaffolding is to provide a safe working environment for construction workers, and there is a reason scaffolding sales has plummeted. It allows workers to build a structure to a greater height than if the construction workers were to use ladders, for instance. If you’re interested in learning more about scaffolding, then you’re in luck!

What is Scaffolding and the Main Uses

When you think of scaffolding, you probably imagine tall metal structures that are often used during building projects. Steel scaffolding is typically used to support workers and materials during the construction process, and it’s also often used on large building sites to help support machines and equipment. There are several types of scaffolding that can be used for a variety of purposes, though. By having a variety of different scaffolding options available, you can increase your efficiency and productivity when working on a construction project. Scaffolding can also be used for painting, general maintenance, and other types of work.

There are a variety of different ways that scaffolding can be used on a construction project. Some of the most common ways that scaffolding is used include:

-To provide a safe working environment for construction workers

-To build structures to a greater height than if workers were to use ladders

-To support workers and materials during the construction process

-To support machines and equipment on large building sites

-To paint structures

-For general maintenance work

The Different Types of Scaffolding

Scaffolding has been used in construction projects as early as the 18th century. Since then, there have been several types that have been developed and are now widely used. There are many advantages to using scaffolding in construction, but there are also disadvantages. Let’s take a more in depth look at how these scaffolds are used, and how they benefit construction projects.

Tube and Coupler Scaffolding

You should consider using tube and coupler scaffolding for temporary building or renovation projects. It’s extremely easy to transport, and only takes two people to set up. It’s a great choice for small companies or individuals, since it is affordable, and can be used for a variety of purposes. The main downside to this type of scaffolding is that it is not the most sturdy. It is recommended to use a guardrail, preferably one made of steel, if you are using it for any kind of project that requires a lot of height or for longer than a couple of days.

Modular Scaffolding

This is a type of scaffolding that is becoming more and more popular because of its versatility. Modular scaffolding is made up of individual modules that can be placed in a variety of configurations that are relatively easy and quick to assemble. Some scaffolding can take hours to construct and dismantle, but modular scaffolding is a great choice if you need to build scaffolding for one time use. One of the disadvantages of this type of scaffolding is that it is not as strong as other options

System Scaffolding

This type of scaffolding is very similar to modular scaffolding, but it is made up of prefabricated parts that are connected together to create a more rigid structure. It is one of the oldest scaffolding systems in the United Kingdom, and it is preferred by contractors and builders compared to other types of scaffolding available. This is because its components are manufactured in a factory and are then transported to the construction site and assembled. This type of scaffolding is also very efficient and will save on a lot of time and labour costs, especially when building tall structures. The main advantage of this type of scaffolding is that it is much stronger than the other options. However, it is also more expensive and more difficult to set up.

Cantilever Scaffolding

A good choice for many projects since it has a lower impact on surrounding traffic than traditional scaffolding. It can be used on projects of all kinds, but it is not ideal for every kind of project. Many people have never heard of this kind of scaffolding, but it is a good choice for people who want a scaffold that is different from the standard kind of scaffold that is supported on both sides. The cantilever scaffold is supported by only one end, and it is often used for applications where there is a lot of debris or people in the way.

Suspended Scaffolding

Also known as a swing stage scaffolding or a suspended work platform, is a platform that is suspended by cables in order to provide a work area for construction. Unlike other scaffolding systems, suspended scaffolds allow the user to move freely throughout specific work surfaces. This user freedom is the main advantage of suspended scaffolding. Their versatility makes them useful in a wide range of applications from construction and maintenance to providing access to pipes and conduits.

Choose the right type of scaffolding for your project

When it comes to choosing the right type of scaffolding for your project, there are a few things you need to take into consideration. First, you need to decide what the main purpose of the scaffold will be. Is it for general construction purposes, or is it for a specific task, such as painting or window cleaning? Once you’ve decided on the main purpose, you need to take into account the height of the project. The taller the project, the more weight the scaffold will need to support, so it’s important to choose a scaffold that is rated for the appropriate height. Finally, you need to consider the environment in which the scaffold will be used. Indoor scaffolds need to be made of different materials than outdoor scaffolds, so be sure to choose the right one for the job.

Conclusion

Thank you for reading this short guide on scaffolding. It’s important to ensure that you’re using scaffolding rated to withstand the forces applied to it, and to make sure that the scaffolding is used properly. Each type of scaffolding serves a different purpose, and some are better suited for certain projects than others. The key to choosing the right scaffolding is knowing the limitations of each one, and the advantages and disadvantages of each. Best of luck!

Is It Easy to Fit a Loft Ladder?

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If you’re interested in fitting your own loft ladder, there are many different things to consider before you start.

A loft ladder is an amazing investment that will transform your loft space into anything you want it to be; a storage space, a guest room, or even a games room.

Loft installation can seem like a simple enough task, but when should you leave the installation to the professionals?

Loft Installation Takes Time, Skill and Patience

Installing a loft ladder can be easy enough when you have relevant experience and safety knowledge. However, it isn’t a beginner’s DIY task in the slightest, so it’s not recommended to undertake this task alone.

Bear in mind that there’s more to risk than your safety – if you install the loft ladder incorrectly, you may risk invalidating any warranty. Be sure to check the policy of your products/kits before you go through with the installation.

Can I Install a Ladder into My Existing Loft Hatch?

Whilst it is possible to install a ladder onto an existing loft hatch, not every ladder/hatch are compatible with each other. For the purposes of this article, from this point on, we’ll assume that you will be creating a new loft hatch for your loft ladder.

Questions to Ask Before Installing Your Loft Ladder

1. Do you have the time?

This definitely isn’t a job that you want to rush. Due to the nature of the work and the heavy-lifting involved, you need to ensure that you have enough time to install your loft ladder (and allow some extra time for any adjustments or mishaps).

It can be difficult to put a timeframe on installations since every product has a unique installation process, and everybody works at different paces.

You can expect a tradesman to finish the installation in 2-3 hours, assuming that no hatch adjustments are necessary. If adjustments are necessary, this can take anywhere from 4-8 hours.

If you’re feeling brave and fancy a solo installation journey, we’d suggest giving yourself a whole day to work on it, which is about 8+ hours. This will give you enough time to install without rushing, with the added benefit of allowing you to absorb new DIY skills in the meantime!

2. Do you have the strength?

Ladders are pretty heavy! They support your weight in addition to heavy goods, so they need to be robust.

Consider that you’ll essentially be lifting, holding, and working with a ladder that can weigh around 1/3 of your body weight! It’s strongly advised to not do this until you’re confident you can do it safely – but really, installation should always be a two-person job to reduce safety risks.

3. Do you have the correct tools?

These are the following tools you’ll need for installing a loft ladder. Make sure you have all of these items before you carry out any work.

Bear in mind that installation methods may vary for different products. To avoid any delays in getting started with installation, make sure to read the installation instructions carefully.

  • Hammer
  • Screwdriver
  • Tape measure
  • Power drill
  • Saw
  • Craft knife
  • Carpenter’s square

If you’re confident in your skills and abilities, there’s no reason as to why you shouldn’t install your own loft ladder. If you have the knowledge, it can be an easy but time-consuming task. The most important thing with loft ladder installation is to ensure that your safety is always the number one priority.

3 Key Tips For Your Business Leader Resume

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You have unique experience as a leader of your business – to make this experience on your resume stand out and open doors for you, focus on content over format, keep it concise, and use specific examples and figures to show accomplishments.

As an executive leader running your own business, your job looks quite different from those who aren’t in leadership positions. It might not be a Fortune 500, but no matter how small your business is, your job is a big one. You oversee finances, manage all the managers, and steer the course of the entire organization.

So, to land your next job, whatever that may be and whenever you decide to look for one, your business leader resume should not look like a typical professional resume.

However, while there’s plenty of resume writing advice out there, it can be hard to find resume writing tips that are specific to executives. As a result, many business leaders’ resumes are too verbose, too bland, or simply don’t sell the candidate’s skills.

That’s why we’ve put together these executive and business leader resume writing tips to help your leadership experience stand out, no matter what your next job may be.

Why do you need to work on your business leader resume to make it stand out?

Even at the executive level where networking becomes even more crucial for landing a job, your resume remains an important part of introducing your key qualifications to the employer.

Companies hiring executive-level employees expect a lot from the candidates, so only those with resumes that stand out will get interview invitations.

Here are three great tips that’ll make your executive experience stand out on your resume:

  • Content over format
  • Less is more
  • Show, don’t tell

1. Content over format

When it comes to executive resumes, you should go for “substance over style” or “content over format.”

Many job seekers are turning to creative resume formats which feature fancy multi-column designs, abundant use of colors, fancy fonts, and infographics.

However, we don’t recommend trendy “creative formatting”, especially not for executives. While you do want your resume to be attractive, recruiters care much more about easily finding your key qualifications than how cool it looks, especially for the kind of high-level positions you’ll be applying to.

Employers don’t want to hire the person who “stands out” with their design – they want to hire the person who provides clear proof of their ability to lead a business.

When putting together your great business leader resume, stick with clean and simple resume formatting.

  • Be subtle with color – only use a splash of one or two colors, as switching between too many colors can be hard to read
  • Leave out the fancy infographics
  • Avoid fancy fonts – stick to one font, or a maximum of two with one for your header and the other for the body

2. Less is more

Even with your long career, your business leader resume should be concise.

As a business owner and leader, you probably have a long trail of past experiences and dozens of bullet points you could write about your current executive job. Do not be tempted to pack your resume with all of the day-to-day details of every single job.

When writing your Professional Experience section, you may consider briefly stating key responsibilities in a small paragraph at the top of each job, but follow this with bullet points highlighting your key accomplishments.

Be careful not to include all of your career accomplishments, either. Focus on the last 10-15 years of your career, and only the accomplishments that are most relevant to the position you’re currently applying for. You’ll also want to keep irrelevant personal information like hobbies, interests, and volunteer organizations out.

When it comes to the length of an executive resume, you’ll probably need two pages or maybe just one, depending on how much past experience you’ve had. No matter how long your career is, you don’t need more than two pages – a recruiter won’t read all of it.

3. Show, don’t tell

Hiring decision-makers don’t just want to see what was listed in your job description. They want to see how you exercised influence and made an impact on the operations and people in your company, since that’s what you’ll be doing for their organization as well.

This means that you shouldn’t waste time on describing duties that could be found in a job description – anyone could have done those. Rather, use specific examples and metrics to show previous accomplishments. It is also important to avoid the use of overused phrases that have lost all meaning.

For example: It is true that executives should have strong skills in team leadership. However, this does not mean you should simply add a generic phrase like “strong team leader” in your business leader resume. (Again, anyone can claim that!)

Rather, in your bullet points, include a specific example of how you used your leadership, and use numbers to show what was accomplished and how it impacted the company, like this:

  • Empowered HR manager and quickly reallocated budget to provide remote work accommodations for 20 employees during the onset of the COVID-19 pandemic, increasing our yearly retention rate by 30%

Another effective idea you might consider is adding a “Key Achievements” section for your whole career below your Summary at the top of your resume, especially if you’ve had a long track record of leading the company. If there are a few accomplishments from your tenure that stand out as being particularly important for the job you want, this can be a great way to make sure the recruiter sees those right away.

Time to get writing your business leader resume!

Now you know how to emphasize content over format, choose only the most relevant info to include, and show instead of tell in your bullet points. With these 3 core tips in mind, you can showcase your business leadership experience in a way that will make hiring managers take notice. Now get out there and land that interview for your next job!

Our Guide To Business Loan Down Payments

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There comes a point in most people’s lives when they have to borrow finance. Whether it’s a payday loan in an emergency or an overdraft when you need to urgently pay for something, borrowing finance is more common than you think. Businesses use finance a lot, and it’s something that takes a lot of time to research to ensure you choose the option that’s right for you. There are some additional things to consider when utilising business finance, and one of those is business loan down payments. So, to help you get a better idea of this subject, we’ve put together a handy guide. Keep reading for more information…

What Is A Business Loan Down Payment?

You might know what a down payment is when it comes to a mortgage or a car, but you may be unaware that some business loans also require them. Essentially, a down payment is a percentage of your total borrowing amount that you pay upfront. For instance, if you were to borrow $10,000, you may be required to pay a 10% down payment. This means you’ll need to pay the lender $1000 before you can receive your loan.

When Do I Pay It?

Any business loan down payment needs to be paid upfront, otherwise, you won’t receive your loan. Even if your application is approved, failure to provide the required down payment will forfeit you receiving the money. You’ll be advised by your chosen lender when exactly you need to pay your down payment, so make sure you read any communications from them carefully and make the payment on time.

How Much Will I Pay?

How much your down payment is will vary from lender to lender. Some may charge 10%, others 20%, and if you’re lucky, only 5%. One factor that can influence their percentage is your credit score and history. Typically, if you have a good credit score, your down payment will be lower. This is because the payment is viewed as a type of collateral, meaning that if you can’t afford your repayments, the lender will still have some security to fall back on. Having a higher credit score usually means you’re better at paying off previous debts so lenders won’t view you as a risk to lend to, making your down payment lower. You may also have to provide collateral and a down payment. If this is the case, your down payment is usually cheaper as you’ve provided another source of security.

Why Do I Need To Pay It?

Each time a lender approves a loan application, they’re taking a risk. However, by using a down payment, they mitigate that risk as you’re proving to the lender that you’re sincere about the loan. Some people may apply for a loan in a time of need and not think through the repayments, landing themselves in hot water with the lender. But with a down payment, it causes people to assess their application and show their dedication to paying it off. They also benefit you as a business as they decrease the total amount you need to pay back. This can then allow you to have lower monthly repayments which can make the whole procedure much more affordable for your business in the long run.

Will I Pay One For Every Loan?

Although down payments are common, they aren’t required with every business loan. Some lenders will promote not having a down payment as a way to encourage customers to borrow from them over their competitors. However, if you think about the benefits of a down payment, you may be better off going to a lender that does require it. If you’re applying for a large business loan, you can pretty much guarantee that they’ll require you to make a down payment. This is because the larger amount you borrow, the bigger the risk it is to lend out.  If you’re ever unsure, don’t hesitate to ask the lender beforehand. That way you can be confident in your decision.

Minimum VS Maximum

Some down payments for smaller loans will have a minimum and a maximum amount you can pay upfront. Both can have their benefits, but they can also have their drawbacks too. Paying the minimum amount can be good if you don’t have the cash to pay right away and if you’ve only got to pay a small amount that you already have, you can get your loan quicker. Paying the maximum amount can mean that you have lower monthly repayments, but it can be hard to come up with the full amount if you don’t currently have it. If you’re unsure which amount to pay, try thinking about what will be more beneficial for your business. You’ll soon be able to make the right decision.

Down payments on business loans may seem like a tough concept to get your head around, but essentially it all boils down to risk. Lenders want to be sure that if they lend your business their money, they will get it back. Providing them with a down payment can be a great way to demonstrate your seriousness and dedication to your business and repayments, so it can work in your favour. If you don’t need to apply for a loan right away, spend some time saving for a down payment. This way you’ll be prepared no matter how much you’re asked to put down.

Causing a Racket: The Top 5 Most Innovative Wimbledon Sponsorship Campaigns Revealed

With Wimbledon 2022 right around the corner, physical branding experts Solopress have analysed 5 of the tournament’s most exciting and innovative sponsorship campaigns and the marketing expertise behind them.

Key Findings:

  • Google Trends has seen a 250% increase in searches for “Wimbledon 2022 Championships” in the last 30 days alone.
  • The renowned sporting event generates an estimated £45 million just from sponsorship.
  • The venue’s grounds hold 42,000 fans and the level of Wimbledon’s TV viewers is on the rise, with the 2021 tournament attracting an average audience of 15.5 million across 43.5 hours of BBC coverage.
  • Long-standing partners of Wimbledon, Robinson’s have been working for the event since 1934 whilst Slazenger and Wimbledon hold the title for longest partnership in sporting goods history, with Slazenger being the tournament’s official ball supplier since 1902.
  • The 2016 “Lose Yourself” Wimbledon campaign delivered by Haagen Dazs received 28,000 engagements, attracted 15,000 photobooth participants and garnered 2000 sales.
  • Robinson’s 2014 #PlayThirsty campaign celebrated the brand’s 80-year partnership with Wimbledon and included video tutorials which shared key tennis tips to urge viewers to stay active during the summer.
  • Evian’s unique outdoor “Ball Hunt” campaign attracted over 2,000 new followers and 365 mentions on Twitter.

With the excitement of Wimbledon 2022 rapidly ramping up, searches for “Wimbledon 2022 Championships” have increased by 250% in the last 30 days alone according to Google Trends. Considered the world’s most highly-regarded tennis event, Wimbledon offers the ultimate venue for brands to target ABC1 audiences with their unique marketing campaigns.

If recent years have been anything to go off, it looks like there’ll be no shortage of viewers tuning into the prestigious event in 2022, with the BBC broadcasted tournament in 2021 gaining a cumulative average viewership of 15.5 million across 43.5 hours of coverage. With a viewership of this level, it’s no surprise that brands are excited to capitalise on the marketing opportunities offered by Wimbledon. As each year passes, instantly recognisable brands from Haagen Dazs to HSBC deliver new and original advertising campaigns that stop fans dead in their tracks.

Now synonymous with the British summertime, Wimbledon has a rich heritage and is home to a host of premium brands that hold long-term partnerships with the sporting event. These iconic brands range from Slazenger, who have been the official ball supplier of Wimbledon since 1902, to Pimms and Lanson who take care of courtside tipples. The event earns approximately £45 million in terms of sponsorships alone, indicating the lucrative nature of these partnerships, but just which brands take the lead in terms of creative marketing and what can we learn from them?

Wimbledon’s Most Stand-Out Sponsorship Campaigns

  • Haagen Dazs – Lose Yourself 2016

Luxury ice cream brand Haagen Dazs celebrated its 5-year relationship with Wimbledon with their 2016 “Lose Yourself” campaign. This innovative concept involved the release of a strawberries and cream stick bar to nod to the event’s most beloved pairing and a unique multi-channel advertising campaign. Leveraging the artful work of street photographer Adam Katz, the adverts shifted focus from tennis giants Murray and Federer and instead gave the SW19 crowd centre-stage, which led to captivating real-time portraits capturing the most powerful moments of the matches in an authentic way.

Utilising the hashtag #LoseYourself alongside PR and Out of Home assets to encourage viewers to share their images, this exciting strategy gave fans the spotlight for a change, amplifying the intensity of Haagen Dazs’ delicious flavours and the compelling nature of the tournament.

Using an interactive, authentic approach, the concept highlighted the audience’s genuine love for the sport, allowing them to become part of the narrative. Receiving 28,000 customer engagements, 15,000 photobooth participants and 2,000 sales, Lose Yourself demonstrates the influence that outside-the-box user-generated content campaigns can have.

  • Robinson’s – Play Thirsty 2014

Holding the title of Official Soft Drink Supplier of Wimbledon since 1935, Robinson’s certainly made a splash with their 2014 Play Thirsty campaign. The brand has delivered countless memorable campaigns over the year and has more than proven its multi-channel marketing expertise through a range of mediums, from thermo-reactive posters to 3D billboards at Waterloo Station and virtual reality, placing fans in Centre Court with a matchless 360 view from the Umpire’s Chair via their own virtual headset.

Robinson’s #PlayThirsty marked 80 years at Wimbledon and aimed to encourage families to stay active by offering fun, cost-free ways to play tennis. The brand harnessed the power of social media, video advertising and video tutorials, offering families the chance to win a VIP package to attend Wimbledon via a product promotion. Six Play Thirsty YouTube tutorials featuring ambassador Judy Murray were released to advance the tennis abilities of both adults and children through interactive games which covered static and dynamic balance and more. Not only did this inventive campaign utilise interactivity and a prize incentive, but it also tapped into the rich heritage behind the Robinson’s and Wimbledon partnership with the tagline “quenching the thirst of Wimbledon since 1935” when it was first released as a national press campaign. Play Thirsty is a prime example of how to successfully leverage heritage and nostalgia as a brand whilst appealing to the target audience in unexpected ways and offering value above and beyond the product itself.

  • Evian – Ball Hunt 2012

Official water sponsors of Wimbledon, Evian used social media, gamification and giveaways to deliver an entirely unique experience for Wimbledon fans in their 2012 campaign. Fans were asked to embark on an interactive “ball hunt” to be in with the chance of winning tickets to Wimbledon 2012. Via the brand’s official Facebook and Twitter pages, fans were urged to gather clues and look out for the “Evian ball boy” who would guide them to check-in at the required location in London.

Ball Hunt exemplified how brands can use gamification to their advantage and create a high level of traction about both their brand and the event they are sponsoring with interactive, outdoor concepts. The campaign attracted over 2,000 new followers on Twitter with over 250 using the hashtag #EvianBallHunt and 365 mentioning the brand in posts. As well as receiving a high level of social media engagement, Ball Hunt also revealed the personality and fun behind the Evian brand, helping to enhance their brand equity. The campaign also incorporated a further competitive edge by offering access to their exclusive “Live Young” VIP suite to the fan with the best “live young” attitude in their picture to encourage wider user engagement.

  • Lavazza –The Queue 2016

Serving freshly brewed coffee to fans since 2011 as the official coffee of Wimbledon, Lavazza broke the mould with their incredible #TheQueue campaign. Although the queues of Wimbledon are often adrenaline-fuelled as audiences wait eagerly to begin their Wimbledon experience, naturally, they are also known for taking up a lot of time. Lavazza’s 2016 physical branding and social media marketing concept capitalised on the opportunity to reduce the tedium of long wait times and educate fans about their brand history.

Using an on-site coffee printing machine, fan selfies were printed on cups of coffee, allowing a new level of personalisation and engagement with Lavazza products. With their innovative campaign, the brand was able to address a significant pain point, allowing customers to refuel and learn more about the Lavazza story. Unsurprisingly “The Queue” took off on social media, reaching over 1.75 million people and accumulating 1,131 brand mentions across all social platforms over the 2-week period. 

  • HSBC – HSBC Presents Wimbledon at Rockefeller Centre 2010

For the past 10 years, HSBC have been the official banking partner of Wimbledon, with their branding seen each year adorning the venue, making them one of the most visible sponsors. HSBC are masters at physical branding, having previously provided an on-site bank facility which granted HSBC cardholders access to free strawberries and cream and introducing “Court 20” which gave fans the opportunity to hone their tennis ability and get a meet and greet with A-list brand ambassadors including Tim Henman.

The brand’s 2010 campaign took advantage of print and digital marketing tools to maximise reach and impact. “HSBC presents Wimbledon 2010 at Rockefeller Center” print-based ads were placed in prominent publications including the New York Observer and The New Yorker including a QR code which enabled readers to experience a world of exclusive Wimbledon-related content. From live screenings at the HSBC outdoor viewing area to chances to play tennis on Manhattan’s only court, the QR code linkage encouraged fans to download the HSBC app and access the programme of exclusive events and strengthen their ties to the HSBC brand.

Wimbledon undoubtedly offers the perfect platform for brands to leverage their marketing expertise, get noticed and build relationships with the tournament’s fanbase. From interactive outdoor competitions to user-generated content campaigns that put fans front and centre, there are countless ways to capture the attention of the crowds and achieve mass engagement. If previous Wimbledon campaigns are anything to go off, it’s safe to say that the 2022 tournament will deliver some gripping branded campaigns that will go down in marketing history.

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