4 million homes pushed into higher stamp duty bracket: Expert reveals how the levy will affect Brits across the country

Property

Sam Allcock

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15 June 2022

4 million homes pushed into higher stamp duty bracket: Expert reveals how the levy will affect Brits across the country

Data shows 61% of homeowners have never considered whether there was a mistake in the stamp duty they paid

David Hannah, Group Chairman of Cornerstone Tax, discusses the most likely changes to stamp duty and how they will affect homeowners

As a result of soaring UK house prices, more than 4 million homes have been pushed into a higher stamp duty bracket compared to March 2020. Of those pushed into a higher bracket, 28% have moved above the initial £125,000 stamp duty threshold according to data from Zoopla. The UK property market has been buoyant since last year – with house price growth showing an extraordinary 11.8% annual rise in 2021. This rise can be attributed, predominantly, to the stamp duty holiday. This was a tax break introduced in the UK during the peak of the coronavirus pandemic in July 2020, which scrapped the transfer tax on the first £500,000 of a home sale with savings of up to £15,000 available to buyers.

The holiday was gradually phased out and it reverted to the typical stamp duty system at the end of September 2021. However, demand for property within the UK has not faltered, with the average asking price of a house hitting a new high of £367,501 in May. Alongside this, 53% of properties are selling at or over their final advertised asking price and 98.9% are achieving their final advertised asking price according to Rightmove.

Stamp duty is an important factor to consider but can often be overlooked when buying property, with research from Cornerstone Tax showing that 61% of homeowners said that they have never considered whether there was a mistake in the stamp duty they paid. However, the study also showed that 13% of homeowners said that they feel they were forced to pay too much stamp duty in error, due to their solicitor. It is therefore important to understand what stamp duty is and what the future holds.

David Hannah, Group Chairman at Cornerstone Tax discusses the future of stamp duty:

“In late 2021 HMRC published a consultation document on proposed changes to the mixed-use property rules and multiple dwellings relief. That means if you buy a property, currently, which has any element of non-residential or is not suitable for use as a dwelling then you don’t pay the higher residential rates of SDLT. HMRC are ‘consulting’ about how they can change that to remove the advantage that these properties have.

“One of the things they’re proposing is that we’re going to be required to split out the non-residential elements of the property and only pay the non-residential rates on that part. In their consultation document they give an example of a house at three and a half million where the tax nearly doubles from £161,000 to £320,000. But the good news is that even if they do implement those changes, if you’re buying a property at a million or less, this won’t affect you at all so there’s no need to worry about it.

“Where it’s really going to bite down is on large country estates and expensive London properties where certain features – which currently make them mixed-use – will no longer be available. As a result, the tax savings aren’t going to be around.

“More importantly, they’re proposing to change the basis of calculating multiple dwellings relief and for most of us that’s afforded as a £10,000 saving minimum if we’ve bought a house with an annex. They’re now proposing that the ‘granny annex advantage’ should be eliminated. They are suggesting that any house with an annex (where the annex is worth less than a third of the main house) won’t be eligible for multiple dwellings relief. This could cost the average annexed house owner from £10,000 to £87,000. The consultation document talks about supporting keeping families together but it’s clear that the revenue don’t like the tax advantage that these properties have.

“For most of us this will probably mean that over the course of the rest of this year, possibly even early 2023, we’re going to see the law changed, but it can only be changed going forward. This means many of the advantages which they talk about in this document are going to be available on past historic purchases if you can conduct a review of your transaction and will be available until the law changes.”

How to Make Internet Safety a Fun Topic for Your Kids

Technology

Sam Allcock

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15 June 2022

0

How to Make Internet Safety a Fun Topic for Your Kids

Talking about internet safety with your kids might seem like a straightforward and serious task. You sit down at the table and outline your expectations. Going through those rules one by one and writing them down for future reference can feel like you’ve made headway. But when internet safety talks feel more like lectures to your children, they’re less likely to listen.

If you think back to when you were their age, stern or formal discussions with your parents were rarely effective. You might have perceived the talk as a punishment, as being singled out, or just plain unfair and unreasonable. Your parents had the upper hand, and complying with their requests might have felt like a chore — or an insult. Furthermore, you might not have fully understood why you were being asked to follow certain rules.

While internet safety is a serious topic, you can approach it in a fun way. When the talk is upbeat and entertaining, kids are more likely to absorb things. Plus, they’ll become engaged participants instead of acting like they’re receiving a lecture. Here’s how to approach the internet safety talk in enjoyable yet digestible ways.

Use Relatable Comparisons

It’s a well-known fact that children’s brains aren’t fully developed. Even teenagers on the brink of high school graduation don’t have the full cognitive abilities of adults. This reality means that fun conversations about internet safety also have to be age-appropriate and relatable.

Yes, it’s a challenge to remember what it was like to process things as a younger person. But it’s easier if you think about it in terms of someone who uses industry jargon or technical language. You probably have difficulties understanding what they mean and following any questions or instructions. It’s hard to stay engaged when you talk to a tech support rep who doesn’t explain things in down-to-earth ways.

Discussing internet safety–related concepts is similar for your kids. They need relatable comparisons to make a connection. For instance, you could explain how a safe phone for kids is like learning how to ride a bike. You start with training wheels until you grasp how to work with the bike. Once you master how to balance, steer, and brake, you can take the training wheels off.

Implement Guidelines With Rewards

Incentivizing online safety can be fun and motivating for your kids. Start the discussion by asking children what types of online activities and technologies they’re interested in. Kids might be getting requests from classmates and friends to join social media platforms. They could hear about the latest online games during recess and want to check them out. There might also be some general curiosity about tablets and computers after exposure to them in the classroom.

Once you know what technologies and online activities your child’s interested in, you can begin to set guidelines and rewards. Doing this with empathy, understanding, and respect helps. A 10-year-old might want to start exploring social media, but you’ll want to establish limits. Acknowledge that social media can seem inviting, while gently pointing out the cons, too. Introduce them to the kids’ versions of social platforms, showing them how different features work to keep them safe.

As part of the guidelines, you could also establish tech-oriented family nights. Order in your child’s favorite takeout or prepare a special meal. Explain that this time is for you to explore social media and online activities together on devices the family shares. This strategy can help prevent unsupervised use of social media without making it seem like you’re barking out orders.

Make It a Game

Sharing internet safety tips with your kids doesn’t always have to be a sit-down discussion. Try mixing things up by making the “talk” a game. You could use flashcards to introduce the dos and don’ts of messaging apps, web browsers, and online games. Traditional games like charades and speed rounds can also be converted into internet safety discussions. For example, you might engage your kids in a speed round of how to be a good digital citizen.

Educational online games and digital tools can also teach children about internet safety. Some of them use games from the past, such as Hangman, to introduce terms and concepts. Others turn internet safety into a quest where kids can become digital superheroes and fight off “the bad guys.” These games show what online activities aren’t cool or acceptable and which ones are.

Gamification of the learning process is an approach kids can relate to. It’s something they may already be doing in school under blended learning initiatives or in computer and robotics courses. Make a point to play such games and work through digital tools together. Your kids may have questions along the way or want to stop playing to engage in a deeper conversation.

Fun Internet Safety

Yes, internet safety can bring up some heavy topics and discussions. Like driving a car, using technology and the internet comes with freedoms and potentially dire consequences. However, kids are likely to be mesmerized by how fun online activities and the internet seem. They aren’t as apt to grasp lectures about unfamiliar concepts and dangers.

Making the process fun and absorbable is a more effective way to get points about internet safety across. Using relatable analogies, rewarding acceptable behaviors, and teaching through games are ways to keep the discussion light and enjoyable. These methods will help establish the trust and open communication you and your kids need to keep them safe.

Why an insulated conservatory roof is the best replacement for your current roof

Property

Sam Allcock

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15 June 2022

0

Why an insulated conservatory roof is the best replacement for your current roof

Insulating the roof of the insulated conservatory roof is becoming increasingly popular for home improvement, as homeowners look to increase the use of this space throughout the year. Conservatories can be a great addition to any visionary home; the idea is that they provide a warm, cozy place to enjoy the sunlight and compliment the environment around you. The problem is that they do not always meet the expectations.

Installing an i nsulated conservatory roof as part of the replacement of the roof of the conservatory helps to reduce the temperature so that you can enjoy more space throughout the seasons. Installing insulated conservatory roof from lekasystems.co.uk is the right choice for your home.

Why it is important to include an insulated conservatory roof ?

Insulation is a very important part of any home. Some areas of your house may already be insulated, such as the loft or walls. This is ultimately a comfortable place everywhere.

As an additional residence, warm roof for a conservatory is no different. By installing an insulated conservatory roof you can help ensure that the whole place is usable for the whole year or for many months of the year.

That being said, however, no matter how much insulation and durable inspection comes into the storage area, being more glass means it will stay warm in summer and cooler in winter than your entire house.

Also keep in mind that if the link between the house and the conservatory is not used, it will affect the thermal efficiency. Even with a curtain inside, some kind of warm blanket will help keep the house running smoothly.

Where Should You Install it

To protect the used roof you need to cover the existing roof with a new standard tile or slate roof, or install a lightweight interior insulation system.

In most cases, the best solution would be to install an insulated conservatory roof over your head and install windows / sloping walls. This will help keep the conservatory warm in winter and prevent overheating in the summer.

Elsewhere in the park, the walls – which are actually windows – should not be disturbed for closing purposes. Unlike installing a wall inside your house, the only practical options here are curtains fitted with heated curtains or curtains. They may not be needed in all windows and usually installing north and east windows will do a great job.

Installing an insulated conservatory roof requires more than just insulation itself. As for cooling, it is necessary to trace. Ideal shading that only works in the summer. This is achieved by a small pergola (750mm wide) at the roof level, which can be built near the storage area.

Spread your wings and fly, where no borders abide – beborderless

Business

Sam Allcock

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15 June 2022

0

Spread your wings and fly, where no borders abide – beborderless

Operating a business is challenging enough, but doing it in the United Kingdom is nearly impossible for a young entrepreneur. Beborderless is a company that assists people in running and growing their businesses in the United Kingdom. It can help your business grow in the UK by allowing you to take orders and distribute them to UK clients in only three weeks. Payments can be sent to a UK bank account, and customer assistance can be provided from a UK location. All of your aspirations will come true with beborderless. It’s that one action that will set you free from all of your business constraints. so take a step on it.

The nicest aspect about the entire procedure that Beborderless gives is that you don’t have to be a UK citizen to manage your business; you can work on it from anywhere. It will provide you with the benefit of being headquartered in your own nation.

UK retailers are looking for secure and competitive suppliers situated outside of China now more than ever. Consumers in the United Kingdom prefer to shop from local firms that provide high-quality goods. Beborderless may help your firm seize the chance and become one of the winners, but only if you decide to take action.

How it works

Overall, the procedure takes 6 weeks, and beborderless is designed to get you trading as a UK business as quickly as feasible. You place an order for your UK business and pay for it. beborderless just conducts checks to confirm that your company is legitimate and not a scam, as I am sure you are aware. in three days Your UK business will be established in 3 weeks, however if you applied on a Friday, it may take longer than expected. Your UK bank account will be set up in 6 weeks, and you may begin selling on Amazon or wherever you wish. Your UK business is up and running, complete with a London location. Finally, after they have received all of the necessary formal documents, they will send them to your overseas office by DHL.

Benefits of using beborderless

By registering as a UK business, you’ll have access to millions of UK merchants and customers who spend over 1.2 trillion pounds each year.
You’ll be a UK-based firm that follows UK regulations, reducing customer doubt and providing total reassurance.
The BeBorderless service includes a UK bank account (as well as accounts in the United States, Europe, Australia, and New Zealand), making banking easier, lowering fees, and boosting security.
By registering as a UK business, you obtain not only a commercial presence in the UK, but also a well-known brand image across the world, making international expansion easier.
For your UK-registered company, all of our products include a London address. A virtual office, phone number, genuine receptionist, and messages emailed to you are all included in our Silver and Gold services. In addition, 12-month membership in major trade associations is included.

Packages they offer

There are three bundles available: silver, bronze, and gold. Company registration, UK bank account, VAT registration, and Company UTR number from HMRC, registered business and customer service location in London, and mail redirection to your non-UK address via DHL (12 months) are all included in the bronze package,

while you’re inside your silver packaging Everything included in your bronze subscription, plus a Virtual Office (12 months), a London phone line, and a live receptionist (12 months), Membership in the Federation of Small Businesses (FSB), which includes legal and tax assistance and protection, as well as Silver Membership in the beBorderless Suppliers Directory and an Amazon UK start-up guide, are all included.

Then there’s the gold package, which includes everything from the bronze and silver packages plus additional perks like membership with the London Chamber of Commerce, which offers a list of active importers in the United Kingdom and Europe, as well as rapid sales connections, and a company seal.

Find them on: http://www.beborderless.co.uk/

Foreign Currency Fixed Deposit

Finance

Sam Allcock

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15 June 2022

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There are many tools used in investing for diversification, especially when it comes to lowering exposure to risk. In this case a foreign currency fixed deposit (FCFD) is one of the most popular options. An FCFD is a type of fixed deposit that allows consumers convert local currency to foreign currency and then deposit for a certain period of time earning an interest. But how can it be useful and what are the benefits of using it?

What is Foreign Currency Fixed Deposit?

An FCFD is a deposit offered by banks to keep foreign currency for the future in order to earn some interest in the process or hedge against foreign currency movements. Foreign currency is kept for a fixed term. There are a couple of ways how an FCFD can be invested in. First way is opening a local account offering a deposit in foreign currency. Second way is to open an account in a foreign country. FCFD accounts accept popular world currencies, such as US Dollar, Euro, British Pound, Australian Dollar, etc. The total amount earned from a foreign currency fixed deposit depends on 4 elements: the amount of money invested, foreign currency exchange rate, interest rate offered by the bank and the term of deposit. If the duration is long and the amount of FCFD is large then the interest rate is higher. When the FCFD account matures you can sell the amount at the prevailing rate to get your deposit back in your local currency. On the other hand, as a depositor you can keep the funds in the foreign currency current account or update the FCFD for another fixed period.

Pros and cons of Foreign Currency Fixed Deposit

There are many reasons why an FCFD is suitable for investors. Let’s compare pros and cons of this investment tool. Looking ahead, there are more advantages than disadvantages of FCFD and here is why:

Having an FCFD account allows you to buy currency, keep it for future use and lock the exchange rate. It is a great advantage when playing the casino, for example. As Ireland online casinos support various currencies, you can choose the one you prefer and gamble using your local currency. And if your local currency devalues, the foreign currency you have becomes more valuable because the exchange rate will be higher. In case you need some advice on gambling, here’s more info.

FCFD is a hedging tool against foreign currency fluctuations. It is a perfect way for those who invest abroad, run a business with overseas transactions and even for supporting family members living in other countries.
Keeping foreign currency on FCFD accounts increases revenue in two ways: exchange rates and interest.
Clearly it is safer to keep the money in your FCFD account than in cash.

Apart from all the obvious advantages it is still an investment that involves some level of risk. So the cons are:

The money deposited in the FCFD account cannot be revoked until the fixed term is up. Early withdrawal might cause penalties, so be sure you won’t need this money for the entire term. Also it might result in the partial loss of a particular sum of money.
If the exchange rate drops you might lose some value of your currency, but anyway you might not be able to convert it to your local currency and wait until the rates are suitable for you.

Conclusion

To conclude, a foreign currency fixed deposit is a great idea if you are looking for a convenient way to earn on savings with little risk. As the risk of fluctuations of exchange rate is usually low it gives an advantage over investing in shares for instance. This leads to a low-risk nature of FCFD. So it might be a safe and useful way to invest money.

Best Online Neon Sign Store To Buy Neon Aesthetic Bedroom Signs

Technology

Sam Allcock

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15 June 2022

0

Best Online Neon Sign Store To Buy Neon Aesthetic Bedroom Signs

The neon sign is popular bright lighting that looks like a piece of art. Neon signs are made using glass tubing containing neon gas. Also, the neon light signs start to glow after the electricity flows through the electrodes to the glass tubing.

Neon lights are famous for their radiant lighting and eye-catching design. Many people are using LED neon lights for home decor. The use of bedroom aesthetic LED neon signs is also increasing. In this article, we will tell you about the LED cheap neon sign, keep reading:

LED Neon Aesthetic Bedroom Signs

Your bedroom needs good lighting like LED bedroom aesthetic signs. LED premade and custom neon signs are perfect for making a comfortable environment in your bedroom. LED lights add color and light to your bedroom space. LED light signs are perfect for your bedroom wall decor. It will provide the necessary lighting for the activities in your bedroom. You can also find variety in the bedroom LED lighting in the United Kingdom. People can create custom signs for their bedrooms.

Custom neon signs are also perfect for decorating your bedrooms as you can create them as per your choice. You can pick any font, color, and size for this custom lighting. They are perfect for easy installation and are long-lasting. Custom neon signs are perfect for adding a personal touch to your place. So, search for the best-LED neon aesthetic signs for bedroom decor.

Ideas For Bedroom Neon Lights

You can discover different types of bedroom neon signs. These premade neon signs are perfect for bedroom decor: moon neon sign, star neon sign, heart neon sign, blue cloud neon sign, butterfly neon sign, mountain neon sign, rainbow neon sign, unicorn neon sign, rose neon sign, cat neon sign, dinosaur neon sign, wings neon sign, fire neon sign, and more.

You can also find bedroom quotes signs like sweet dreams neon sign, good vibes only neon sign, all you need is love neon sign, this must be the place neon sign, this is where the magic happens neon sign, don’t quit your daydream neon sign, let’s stay home neon sign, rise and grind neon sign, think different neon sign, etc. You can also create a custom neon sign of your name. Also, you can mention your favorite song lyrics, artwork, quote, and more on custom neon signs.

Best Online Neon Store To Buy Bedroom Neon Signs

People can purchase the best bedroom neon sign from online neon stores like echoneon.com.au. Echo Neon provides variety in the LED bedroom neon signs. You can also customize this bedroom lighting as per your preference. You can use their online customization tool to design your custom bedroom sign. Echo Neon uses the best quality materials like PVC tubing and LED lights to make their bedroom neon signs. Also, they have a professional team who make this lighting with their hands.

Here, you will get bedroom neon signs at affordable prices than offline stores. Customers also get convenience in ordering bedroom neon signs online. You will get the delivery of the bedroom sign to your doorstep. Also, you will get excellent customer support from the team of Echo Neon. So, buy the bedroom neon signs from the online neon store.

Advantages Of Using LED Neon Bedroom Signs

Below, you can check the benefits of using LED neon signs in your bedrooms:

LED neon bedroom signs are long-lasting to use. The LED lights have a long life than the traditional neon signs. Also, you do not need to worry about its upkeep for a long time. You can use a LED neon bedroom sign for over seven years. You have to use this lighting with care.
LED neon bedroom signs are safe to use in any space. This lighting is free from toxic gases and fragile materials. Also, it does not produce much heat like other lights. People can also use a LED neon sign in their kids’ bedroom without any worry. So, invest your money in secure lighting.
LED neon bedroom signs are energy efficient to use. This lighting charges less electricity to light up bedroom space. Also, you do not have to worry about your carbon footprint due to its low energy consumption. LED bedroom signs are eco-friendly as well.
LED bedroom neon signs are also affordable for people. This lighting does not increase the expenses of electricity and maintenance. Also, LED bedroom signs are not expensive as the traditional glass signs. So, people can afford the LED signs for bedroom decor.
LED neon signs are simple to set up in the bedrooms. This lighting has acrylic backing that comes with pre-drilled holes. So, this lighting is perfect for easy wall mounting or hanging.

KINLY LAUNCHES INCLUSIVE FINANCIAL APP TO HELP BLACK AMERICA BUILD GENERATIONAL WEALTH

Finance

Sam Allcock

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15 June 2022

0

KINLY LAUNCHES INCLUSIVE FINANCIAL APP TO HELP BLACK AMERICA BUILD GENERATIONAL WEALTH

Gabrielle Union, Kevin Durant and Marshawn Lynch Invest in Kinly

Kinly Releases Ad Campaign Featuring Taraji P. Henson

ATLANTA, GA (June 14, 2022) – Kinly, a financial technology company, today launches its new financial app that proudly serves the unique needs of Black America and allies. Kinly’s goal is to empower members to take control of their finances by providing access to financial education, saving and investing tools.

The Kinly app helps members manage day-to-day finances by offering early access to direct deposit funds¹, no hidden fees, overdraft protection², access to over 55K ATMs worldwide³ and the Kinly Visa® Debit Card.

“Our app is a gateway to managing your finances with transparency and quick access to your funds through digital banking. We’re embarking on an ambitious journey to be the trusted financial partner for Black America and for those who want to support Black-led institutions,” said Hawkins, founder and CEO of Kinly.

Hawkins is a serial entrepreneur with years of experience in technology and financial services. He previously founded Griffin Technologies, a fintech company focused on providing real-time, contextual intelligence to community banks, neobanks and credit unions. Hawkins raised over $20 million to launch Kinly, which was previously called First Boulevard during its fundraising stage. Investors include venture capital firms: ForerunnerVentures, Point72 Ventures, Anthemis Group, and Kapor Capital, as well as celebrities like actress Gabrielle Union, basketball star Kevin Durant and former professional football player Marshawn Lynch.

To coincide with the launch of the app, Kinly is kicking off its first brand campaign with award-winning actress Taraji P. Henson. A Kinly member and a long-standing champion of Black-founded companies, Henson encourages potential customers to join the bank Black movement by opening a Kinly account.

Black America represents 13% of the U.S. population but only possesses 4% of the nation’s household wealth.Kinly aspires to reverse this trend.

Kinly believes the first step to building generational wealth is a foundation in financial education. Dr. Melody Robinson Wright, Kinly’s Director of Financial Education, curates practical insights on complex topics to help guide and motivate members to succeed on their personal finance journey.

The Kinly app is available today in the Apple App Store or Google Play Store. Visit bekinly.com for more information. Kinly will announce new products and features throughout the year.

About Kinly

Kinly is an inclusive financial technology company that proudly serves the unique needs of Black America and its allies. By developing a platform focused on improving financial livelihood through financial education, Black-focused spending, and wealth building, Kinly helps members manage their money and develop positive financial behavior to reach goals. For more information, visit bekinly.com.

Kinly is not a bank. Banking Services provided by The Bancorp Bank, Member FDIC. The Kinly Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. The recipient’s name on any deposits received must match the name on the Kinly Account. Any deposits received in a name other than the name registered to the Kinly Account will be returned to the originator. The routing and account number can be used for setting up direct deposit or to pay bills online with the direct deposit feature. Be sure only to provide your routing account number information to your payer, benefits provider or trusted billers.

² Kinly Overdraft is available after qualifying direct deposits of $1,000 or more into the Kinly Account over the past 35 calendar days. Eligible members who are enrolled in Kinly Overdraft will be able to make purchases that would result in a negative balance on the Kinly Account up to $100. Not all purchases are eligible. Eligibility conditions apply for the Kinly Overdraft. See bekinly.com/overdraft for full terms and conditions.

³ There is no fee to withdraw money from any Allpoint® ATM. There is a $2.50 ATM cash-withdrawal fee assessed by Kinly for all non-Allpoint® ATM transactions (out of network transactions). The ATM operator may charge an additional fee.

Interior Design Styles and Inspiration

Property

Sam Allcock

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14 June 2022

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Interior design can sometimes be extremely confusing- your style might not fit into any of the famous design styles, or you might not know how to label your style. This often leads to an inescapable struggle of trying and error- which can take up a large part of your budget and leave you with a design you don’t like, whether you are searching for glass shower screens for your bathroom, or a perfect fabric for your living room. We have come up with a comprehensive guide, free of particular ‘styles’, to help you design the home of your dreams!

Lighting and Paint

These two elements usually always go hand in hand. Let’s unravel these both individually and together! Starting, Lighting is usually put off as an after-thought in most novice designs, which has a huge (usually negative) impact on the entire design. Professional designers know that lighting can make or break their designs. Lighting is usually divided into two kinds- cool and warm. Usually, a mix of these two in different capacities can work for everyone. The general rule of thumb is that warm light is for relaxing and cooler lighting is for socialising. Based on this, you can choose which rooms will have what kind of light.

The second component, which is the colour or the paint, is a major factor in every design. The colour pallet of your room depends on the way your paint looks in the light you have selected. The light in the room can affect the colour and tone of your paint- which means your emerald green can end up looking forest green in some lights and a dark, move green in others. You must pick your lighting before you pick your colour! Before you decide on a final colour and light, order samples so you can experiment by mixing and matching these elements.

Layering

Layering is one of the most important things when it comes to ensuring that your design has visual depth. The best way to layer and add dept is by starting from the ground up. Decide on your floors first- do you want them to be hardwood floors, want to add rugs, or want end-to-end carpets? A tip here would be to go for more natural and neutral colours. They give you a lot of opportunities to add more elements. If you are unsure, you can go for hardwood floors and add rugs on them later, depending on your style. If you want to start with a rug that has an assortment of colours, you can use them to draw inspiration for the colours you will add around the room. The next thing you need to select is your furniture. This should ideally be selected before you select your paint for the room. This ensures you pick up furniture items that you like. When you decide to display your technology, you will need to check if it adds any depth to your room or not. One of the best ways to ensure that your TV is adding a layer to your room is by getting it wall mounted. This can be done by professionals. If you need more advice on wall mounting or how you should get it done, click here for Free Advice.

As you start building your home from the ground up, you will find that it is way more systematic and easier to do so!

Mood Boards

One of our suggestions to style your home would be by using mood boards- this makes the process easier and fun! Mood boards are visual presentations or collages that can be used when designing a room. You can collect pictures from different places- social media like Pinterest and Instagram, interior design magazines, or photographs you clicked- and put them together to create multiple mood boards. The next step would be to find the similarities between these mood boards- the colours, furniture designs, and décor pieces. This will help you understand a bit more about what you would like your rooms to look like. The rule of the thumb is to make at least 3 mood boards for each room and have at least one common element throughout each room- whether in the form of fabrics, colours or ornaments. This will make the room design look more cohesive and a part of each other!

You can assemble the essence of your dream retreat by meticulously compiling a bedroom mood board that captures your style, blending colors, textures, and inspirations for a personalized haven of tranquility. Transform your bedroom oasis with the sleek and stylish Grey TV Beds, creating the perfect focal point for relaxation.

Your mood boards can also be inspired by your wardrobe. By taking a look at the kind of style you prefer on yourself every day, you can easily tell the kind of elements you will prefer in your interior design. For example, if you have a more classic style that doesn’t change a lot, it probably means that you prefer timeless styles over trendy ones. Similarly, if you usually go for minimal, and neutral accessories, then it probably means that you prefer minimalism over maximalism.

Once you have figured out the basics of what kind of colours and styles you like, it is only a matter of layering everything together to make your masterpiece!

Best and most secure payment methods to use online

Sports

Sam Allcock

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14 June 2022

0

Best and most secure payment methods to use online

Introduction

Bingo is a game of chance that is also known as Lotto. It is played with cards that have a grid of numbers on them, and when you select the numbers at random, a row of those numbers make a win. Bingo is one of the most well-liked and widely played low-stakes gambling games all over the world. This game is also popular in the UK with flexible and dynamic payment methods for you to be able to enjoy your participation in the game. You can check smartbingoguide.com for more.

In general, if you want to offer bingo to players in Great Britain for the purpose of making a profit, you will need a license from us. If you want to run any kind of online or ‘remote’ bingo, such as through the use of gambling websites or apps, you are required to have a license for your business. Your license needs to include coverage for the relevant activities. Even before the Internet was invented, people who played bingo could already consider the United Kingdom to be their home. This is due to the fact that brick-and-mortar bingo parlors were dispersed across the country and that they offered local players the ideal environment in which to enjoy the game.

Some great sites in the UK.

There are a lot of fantastic opportunities to play bingo online in the United Kingdom, but we have combed the internet to find the very best bingo sites for you to choose from. The bingo websites JackpotJoy, Bucky Bingo, Glorious Bingo, Mecca Bingo, and Double Bubble Bingo are all of a very high quality and are recommended to players in the UK. If you want to find the best bingo site for you, you should look through a lot more of the sites that we feature. These sites will offer you the chance to participate in Bingo online and enjoy the benefits and profits available.

Payment Methods available in the UK

You can participate in Online bingo in the United Kingdom with the following categories of payment methods among others; they are, Online Prepaid cards such as MasterCard, Visa, Maestro, Visa Electron, PaysafeCards and more; Online payment methods such as Boku, Wire transfer, Ecopayz etc; e-wallets such as Neteller, Skrill, eChecks, PayPal, cryptocurrencies such as Bitcoin, Ethereum, Binance, and more, as indicated on the site.

These payment methods will facilitate your easy of playing Bingo with real money, and you can as well receive your profits to the same source of funding, or as the case maybe. Interestingly, you can carry out these payment methods from your phones as long as you are connected to the internet.

In Conclusion

The good news for you is that, Bingo is supported in the UK as it is regulated by law. Therefore, you will be happy to engage with this game with the multiple ways to participate and fund your account.

How can you save some £1,300 when setting up a business

Business

Sam Allcock

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14 June 2022

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How can you save some £1,300 when setting up a business

There are plenty of services targeted at people with aspirations to set up their own business. It is tempting to just outsource the process because you are short of time or fear that you have no idea where to start. We worked out that if you take the plunge and do it yourself, you can save hundreds of pounds if you follow our tips.

Registering your business

There are a number of ways you can form your business – sole trader, limited company or a partnership. All three you can set up very easily yourself. Don’t let anyone tell you that you need to pay for this service.

Sole traders don’t need to do anything special other than ensure they’re registered for tax. If you paid tax before, you already have your UTR (unique tax reference) assigned to you by HMRC thus you don’t need to do anything more other than name your business and ensure you file your self assessment every year. The same applies to partnerships.

The process of setting up a limited company might seem a bit daunting which is why there are plenty of websites on Google offering to do the setup for you at a charge. However, the reality is that you’ll still have to do a lot of work yourself like supplying your company name, address, personal information and more.

Why not do it yourself directly on the government website? Started on https://www.gov.uk/limited-company-formation and it will take you about 30 mins to apply for a company formation. Less than two hours later you’ll have a UK limited company set up. The exercise is about £12 in total and you’ll save about £30 by not outsourcing this simple task. It’s also much faster than giving it to a third party.

Setting up a business bank account

If you’re a sole trader, you can probably start with setting up a personal account which is fast – especially if applying with your existing bank – and free as many banks these days don’t charge any fees for personal bank accounts. Don’t use your own personal account. Mixing your personal outgoings with business income and expenses will make it hard for you to keep up with your finances. Keep things tidy from the start.

As a limited company or a partnership you might like to have a business account from the start as well as some method to keep on top of your finances. The best approach is to combine the two and approach either an accountant who can do your books for a monthly fee, including setting you up with a business account for free. The business accounts usually come with a startup deal of the first 18 months being free. That’s a saving of £126. A business account usually costs about £8 a month these days. The accountant will usually throw in a good bookkeeping software such as FreeAgent which can be integrated with your bank account to save you the time of having to type in your incomings and outgoings every month.

That’s another saving of £174 you’ll pocket by choosing this route. Be careful however when being offered a business account. Some are not bonafide bank accounts which means that your deposits may not be FSCS (Financial Services Compensation Scheme) protected. Always asks questions.

Finding an accountant

If your business is straightforward, then it pays off to find an online accountant as opposed to one local to you working in old fashioned ways. Sure, you’ll have to do some work yourself such as uploading expenses to the bookkeeping system the accountant will provide but that’s only an hour or two a month saving you on average £25 a month, yearly saving you about £300 a year. There are plenty out there and the one recommendation we have is to look on Trustpilot before you sign up. Make sure the customer service is up to scratch. Pick up the phone, see how quickly you get an answer. The onboarding team is always quick but can you get through just as fast if you call in as an existing customer?

Getting flexible business insurance

Every solopreneur needs some business liability insurance and when shopping around, it’s important to be on a watch out for extra charges like APR on monthly payments or unexpected fees for changing or cancelling your policy. You can save £20-40 a year by choosing the right business insurance provider. Some offer pay as you go business insurance that can be bought online without any extra charges. Make sure your cover can be changed or cancelled anytime and, if you can, get one with a holiday mode switch to help you save more money when work is scarce. There are always new business insurance players on the block willing to go the extra mile.

Creating online presence

If you outsource this part, it will cost you anything from £600 and more. Social media isn’t difficult, just a little time consuming. Ensure you set up on all major platforms even if you don’t plan to use all of them. You don’t want your competition to steal your name. That could cost you later.

There are plenty of ‘how to videos’ to help you optimise each platform – Facebook, LinkedIn or whatever channel you decide to use for your business. You’ll just need to get some images ready, content and decide on how visitors can contact you.

Website building isn’t for everyone but before spending money on a web developer, consider two ideas. Do you need a website? A lot of businesses can thrive perfectly well on social media only which of course is free. Instagram in particular has grown into a lead generating platform.

If, however, you think a website is important for your business, explore tools like Wix which have made website building very easy. The subscription fees are very low, hosting is usually included with your package and if your plans are not complex, you should be able to publish something within a day or two.

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Registering your business

Setting up a business bank account

Finding an accountant

Getting flexible business insurance

Creating online presence

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