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Banking as a Service vs Open Banking

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Those who aren’t quite familiar with the fintech industry often use Banking as a Service (BaaS) and open banking synonymously. This is a common misinterpretation as both frameworks communicate with financial institutions through APIs to deliver financial services to clients.

However, while this mixup is harmless, it is still unequivocally wrong. These terms are not interchangeable. Not only will understanding the difference help you avoid getting schooled at a networking event, it will also give you insight into the disruptive forces currently animating the fintech industry.

So, let’s parse these terms.

What is Open Banking?

Open banking framework allows companies to access a client’s financial data through the use of APIs. Application programming interfaces (APIs) are essentially software that facilitates communication between information systems, thus allowing 3rd parties access to the data of financial institutions.

Here’s a use case for open banking. Let’s say you’re house hunting. APIs could take your aggregated financial data from various financial institutions and share it with an open-banking-enabled application. This app would then analyze your data and provide personalized housing recommendations based on your net worth, spending habits, transactional data, and financial history.

This use case can be scaled to effectively manage even your most granular consumer decisions. Open banking empowers tech start-ups, online vendors, and other third parties to create innovative solutions to help clients visualize and interact with their financial data without building native infrastructure.

What is Banking as a Service?

Banking as a Service (BaaS) also uses APIs to communicate with financial institutions, but for a different purpose. BaaS is the framework that allows third parties to lease a financial institution’s infrastructure, rather than build their own bank.

Take the Apple Card for example. Apple didn’t build their own banking infrastructure, they leased it from Goldman Sachs. Now Apple can build brand loyalty through credit incentives and Goldman Sachs can capture new clients.

BaaS isn’t just for massive corporations like Apple. Smaller enterprises, like retail shops and restaurants can offer branded debit cards, allowing them to track spending behavior and improve marketing.

BaaS effectively allows businesses, from e-commerce to healthcare, to act as banks. It has also spurred the rise of neobanks that can now provide services that might not be as profitable for less nimble, established financial institutions.

Similarities and differences between Banking as a Service and Open Banking

BaaS and Open Banking both rely on APIs to deliver services to their customers. The primary difference is that BaaS uses APIs to access functionality while open banking uses APIs to access consumer data.

If you’re using an app to check your credit score, that’s probably enabled through open banking. If you’re getting a micro loan from a neobank, that’s BaaS — information vs. infrastructure.

Both open banking and BaaS will have a huge impact on fintech, the financial services industry in general, and every sector affected by finance, which is every sector.

These frameworks are reinvigorating the financial industry with new talent, disruption, and innovation, forcing established players to compete with start-ups. That means better customer services, cheaper services, and creative solutions are coming. EMBank is a banking as a service provider and aims to create a  service base for fintechs to enhance their business scope.

How budget-friendly Rome is to give a tour?

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How does an affordable visit to the Eternal City sound? Although Rome is famous for being overpriced. But, you do not have to spend a fortune to see all the ancient museums and sites in the city. Yes, you can also find accommodation and restaurants which will not rip you off and provide good service at the same time.

 Below are some tips on how you can enjoy Rome without emptying your wallet completely!!!! Book your Rome tickets and begin your budget-friendly tour of this stunning city.

Off-peak season

Rome is basically a tourist attraction for those who are diehard fans of historical sites, monuments, and art. Those who have a fixed budget assigned for the tour must definitely go when the prices of everything are slightly less.

Although the city welcomes tourists all year round, usually the summertime is the peak time for visitors when the costs soar up. In my opinion, the best time to pay a visit would be in November- March since the temperatures go down pretty low. Also, you can get discounts on plane tickets and accommodation too.

But then again I would also recommend you to avoid visiting at the end of December as a lot of people may decide to spend Christmas in Rome. This will in turn cause a rise in the prices of everything.

How to see Rome at a lower cost

You can also save money when it comes to visiting Ancient Rome. This is because luckily the Colosseum, Castel Sant’ Angelo, Roman Forum, Borghese Gallery, and a lot more museums, galleries, and monuments are free for everyone on the first Sunday of everyone. But keep in mind that obviously, you would have to spend a huge amount of time waiting in lines for entry. So we suggest taking Rome tickets booked online beforehand.

Hop-on, Hop-Off Tour

To begin with the budget-friendly tour, the best way to explore the entire city in one day is to take hop-on, hop-off Rome tours. WIth an open bus tour, you can spend the entire day seeing the beautiful landmarks of Rome. You can travel past the attractions such as the Colosseum and Vatican City.

The tour takes place on different important bus routes of the city. 

You can climb the Spanish steps, sit beneath the fountain Trinita Dei Monti, and click pictures without having to spend anything. Also, visit the Pantheon still known as one of Rome’s most ancient sites. You can enter for free and view the huge dome ceiling for free.

Also, you can visit the very famous baroque-designed Trevi Fountain free of cost. The fountain is beautifully sculptured and has turquoise water falling during the day and night. If you throw a coin in the fountain, it is guaranteed that you will return to Rome again!!!!

Vatican city tour

Having special Vatican tickets is the most cost-effective way to view everything in the Vatican. The Vatican City Pass is what it’s called. This offers skip-the-line access to popular destinations in Vatican City, such as the Vatican Museums and the Sistine Chapel.

Book your tickets to the Vatican Museums online and enjoy the best Vatican tour possible.

If you do want to pop by the Vatican on a budget while in Rome then you can always pay a visit to  St.Peter’s Square and St. Peter’s Basilica. Also, the last Sunday of every month will allow you to enter the Vatican Museums and Sistine Chapel for free. Yet again the lines are huge.

Avoid spending money on things that you can get for free

  • Since there are drinking water fountains all over Rome you can easily refill your bottle for free. Hence you can save a great deal of money by avoiding purchasing bottled water which is a bit costly.
  • Join a free walking tour to explore the detailed history of Rome.
  •  Take a stroll for free along ancient Appia Antica which is a road full of archeological sites and country charm.
  •  If you go in summer then you can catch a free outdoor concert at night.
  •  You can go and see the Pope for free every Wednesday as he holds a public audience.

How to save money on transport

  • When visiting Rome it is very unlikely that you will be spending a lot of your time indoors. To see the beauty of the city a lot of moving around is required. Hence, the need for transportation to see the different historical sites and monuments. To stay within the budget it is highly recommended to follow the advice given below:
  •  You can purchase a ticket for 100 minutes. This will allow you to ride on the metro, buses, trains, and trolleys for 100 minutes. The main advantage is that you can interchange between different forms of transportation that will help you reach your destination. But keep in mind that the ticket can only be used for 100 minutes.
  • The Roma Pass tourist card is also a great deal when it comes to traveling cheap. The ticket enables you to use all the forms of public transportation within the city as well as free entry to a couple of museums. Those who visit cultural places can also get discounts with the help of a tourist card. The main attraction is that upon purchasing the card you will get a map of Rome with information on different sites, a guide for museums, and a list of events.
  •  If you prefer to see the city by bus then I will suggest you go for a local bus rather than the tourist one. The tourist buses charge a lot more and will only show you the monuments. Whereas a local bus will take you all around the city where you can see a lot more.
  •  Try to avoid taking taxis as the fare will be much higher than public transportation.
  • But all in all the best way to explore Rome is by foot.  By walking you can enjoy the view of the city to the fullest as the streets are also artistic and hold plenty of history.

Budget-friendly accommodation

Hotels nearest to the historical attractions will charge higher. If you are comfortable walking then it will be wise to go for accommodation which is a small distance away from the main attractions. But make sure that you don’t go too far, otherwise, you will end up spending money on public transport.

But if there is no option left you can think about staying in San Giovanni, Prati, or Nomentano which are all budget-friendly. But you would need to use public transport.

Another cheaper option is to rent an apartment on Airbnb. This will save you a lot of money as you can easily prepare meals in the kitchen by purchasing the required ingredients from supermarkets. Rather than having to spend a fortune on eating outside.

Whatever option you choose. It is strongly recommended to book your accommodation before landing in Rome as you can easily search the internet to find the most suitable place to stay according to your budget.

Eating and drinking at a reasonable price

  •  If you want to save money then it is highly advisable to grab a slice of pizza and a drink to sit and eat in the piazza. Or you can also buy bread and sandwich fillings to make yourself a packed lunch.
  •  Keep your eyes open and avoid restaurants in the city center. Especially those which are advertised by pictures, as the prices of food are very high.
  •  A great way for budget eating is to have Aperitivo with a free buffet. This means that the majority of bars and cafes offer a free buffet from 6 pm-9 pm upon purchasing a drink. But the variety of food differs from place to place. Some bars serve snacks like chips and nuts. Whereas other restaurants offer pizzas, kinds of pasta, salads and a lot more. 
  •   Avoid sitting at a table to drink your coffee as the charges are double compared to standing at the bar.
  •  You can always go for a Panini which is widely available across Rome at a reasonable price.
  •  Always purchase soft drinks from supermarkets as some restaurants charge up to triple the amount.

Few last tips

  • When it comes to shopping for souvenirs, avoid the souvenir shops as the prices tend to be higher. You will be better off buying from the kiosks on the streets at a lower cost.
  • There are two types of supermarkets where one is used by tourists and the other is used by locals. Try to find the ones used by locals as the prices are much cheaper than the other ones.
  • In Rome, a lot of cheap places sell pizza b7 weight which is perfect if you are on a budget. Rather than spending unnecessarily on a whole pizza. Although these places are not so elegant, the taste of their food will not let you down.
  •  If you want to drink soda then it’s better to head to a supermarket rather than ordering in a restaurant. As the prices are triple.
  • When it comes to exchanging currency in Rome airports and railway stations are unprofitable. Hence it is better to buy Euros in the city where there are plenty of exchange offices.
  • Go shopping in Rome at the beginning of January for winter clothes and at the beginning of August for summer wear. In these times stores give huge discounts to customers.

Conclusion

Rome the Eternal City is known to be expensive for tourists. Maybe a lot of people think that they will not be able to afford to see all the historical sites, accommodation and food within their budget.

But I have given you a general idea of how the tour can be taken without spending a fortune. If you visit on certain days and times then there is free entry to many places. Also, keep your eyes open and choose the right meal which will be both filling and also pocket-friendly.  Do not waste your money on purchasing bottled water since there are drinking water fountains all over the city. Accommodation should be booked beforehand to avoid any hassle, according to your preference.

When it comes to transport, select the appropriate option which you can make the most of within your budget. And also be careful when shopping as tourists tend to get ripped off. Try to visit shops where you can bargain or go shopping when the stores offer huge discounts.

Keep in mind the suggestions given above and plan your trip to Rome accordingly without emptying your wallet!!!!!

SEO and Startups: Still Relevant in 2022

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It is important to note that if your desired customers have not heard your name, then the likely outcome will be that they don’t search for your business online. This is the primary reason why SEO has become such an important part of most businesses’ marketing plans. The same applies to Startups as well. That’s why SEO is very crucial for startups.

The main idea here is that brand visibility needs to be increased and become more visible. This can be done with the help of content prioritizing. If this is done properly the relevance of your content will be of much lower concern.

This model works particularly well for businesses that are involved in solving problems that people do not yet realize that they need help with.

If the main idea here is to increase the demand for your products or services, then content relevance has to be given special priority. You will also need to conduct proper KW research and it will also help to perform competitive analysis. This will help you generate the highest number of quality traffic possible.

This is why you will need to devise a way you can generate content on a regular basis. Another very important thing we need to remember is that the objective of your SEO campaign should inform the kind of content you ought to generate.

Just for instance, if your main goal is lead generation through your SEO efforts, then you need to focus primarily on making lead magnets. These magnets need to be tempting for potential clients to make them want to perform your desired action.

This is mainly down to the fact that a major part of SEO is about trying to get attention from links and also repeat traffic. There is only so much you can do with product pages, shopping pages, and the likes.

On the other hand, if your main objective is to just boost the amount of traffic your product pages get, then you need to do things in a different way. You need to make sure that you have a method in place where your content is being produced in such a way that it makes clicking to go to the product page the obvious next step.

In order to earn the proper kind of links will require you to generate content that influencers themselves will find interesting and want to be associated with. Make sure that when you are trying to earn links, you take a look at the whole bigger picture. This means you should go beyond just trying to earn links with search engines in mind.

This is why when you are generating content specifically for your targeted audience, make sure that it is not the only thing you focus on. Make sure that you also keep relevant influencers in mind when developing and planning content.

This will, very often, include things like publicity stunts and other actions that you might have to take. This will be on top of your content creation projects.

Another excellent idea is to make sure that you use your business expertise in as many ways as possible. This will allow you to become a source that journalists and reporters can trust.

Technical issues are often the primary reason why a lot of businesses are not able to properly incorporate SEO in the long run. This is because these technical SEO issues become even more prominent as time goes on.

The one thing that you will definitely see is an increase in your overall brand visibility. That is one of the biggest barriers to entry that a lot of startups face. Without being able to connect with the right kind of consumers, your business will never be able to realize its full potential.

Make sure that you do this in a very structured way. You will first need to know what your SEO business goals are. Then you will also need to have a process in place that will generate proper content, be able to identify the relevant influencers, be on the lookout for technical SEO problems, etc. If you are able to do this properly, you will soon get a competitive advantage over your competitors.

What You Should Know About Home Loan Refinancing 2022

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Did you know that home loans are not fixed to one lender? And you can switch to another bank through refinancing? Many home loans experts advise homeowners to review their current mortgage to ensure access to the most competitive products available.

Max Funding’s Second Mortgage Consultant Shane Perry suggests refinancing if you’re no longer happy with your current lender. He says “Home refinancing means moving your home loan to a new financial institution. The new lender will consider it a new application, which means they’ll have to re-evaluate your property’s value’”

Although refinancing involves a new lender, there are circumstances when your current lender offers to refinance. But before anything else, here are some latest trends to know about home refinancing in 2021:

It’s A Good Time To Refinance
Since June 2019, the Reserve Bank of Australia has reduced interest rates six times—causing new historic lows of interest rates. Additionally, they have expressed reluctance to raise the cash rate in the next few years. Because of this, 2021- 2022 might be an excellent time to refinance a mortgage. With record-low interest rates, you can save thousands with a fixed interest rate.

How Does JobKeeper Affect Your Refinancing?
The JobKeeper wage subsidy program has helped millions of Australians stay afloat.  However, they processed the final payments last April 2021. So if you’ve relied on this program, you may have to wait for a certain period before refinancing your home and try to find additional income opportunities. The waiting period may vary between lenders.

Remember that lenders assess a wide range of factors to determine whether the applicant is eligible or not. These include sources of income. You can strengthen your application with the following:

  •  You have a 20% equity or more of the property
  •  You have other sources of income (rental, investments, etc.)
  •  You have few financial obligations (other loans and medical expenses)
  •  Your property is in a sellable condition should you default on payments.

Are You Qualified For A Home Loan Refinancing After Repayment Holiday?

It’s advised to apply for home loan refinancing after your repayment holiday. To strengthen your application, do the following:

  •  Demonstrate a good payment history after your repayment holiday ends
  •  Build your savings to show your financial sensibility and your capability to take on a new financial obligation
  •  Seek secondary sources of income

Lenders want to find proof that your financial conditions have improved to a point where you’re capable of on-time repayments. It’s best to check with your potential lenders first, as policies may vary.

Compare Deals Online

The pandemic has dramatically shifted the real estate industry to apply for refinancing a home loan from your desktop or mobile device. In addition, some platforms offer access to comparison tools. They can also help you match with the right lender.

It’s essential to understand your tax situation and settle any outstanding obligation to increase your chances of getting approved. However, taxes can be complicated, and one mistake can cost you a lot of money. Thankfully, the tax experts are ready to help you.

Campervan hire firm Calico Campers urge Brits to ‘invest in the UK’

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A campervan hire company has urged British holiday makers to continue injecting much-needed money into local tourism in fear that the country’s industry could take a nosedive this year. 

Calico Campers, a Cheshire-based campervan hire provider began its operation in the Spring of 2021 when travel restrictions began to ease, attracting campervan pro’s and first-timers from across Cheshire, Lancashire, Greater Manchester and Yorkshire all looking to get away and spend long-awaited time with loved ones.

The firm, run by self-proclaimed campervan-mad couple Claire and Mark, managed to maintain a consistent five-star level of customer service throughout their entire first year of operation, with many happy campers re-booking for the 2022 staycation season in advance. 

Concern for the UK travel and tourism comes as travel restrictions for people living in the UK and returning from an overseas holiday have eased. According to recent Government announcements, those who are vaccinated no longer have to undertake tests upon arrival back into the UK. Following this announcement, Jet2 saw an increase in holiday bookings of 30%, indicating that there is certainly an appetite for Brits to be going abroad once again. 

The hope for campervan hire firms like Calico Campers lies in recent research by Sterling Insurance which revealed that 68% of Brits are set to book a campervan holiday this year. The survey also asked those who’d already hired a campervan during the pandemic if they’d do so again, to which 39% said they would. 

Encouraging insight for campervan hire firms like Calico Campers, especially as the survey outlined the main reasons why people hire a campervan as being to see more of the UK, to spend more time with family and friends, and to help their own mental health. 

Calico Campers couldn’t agree more with these reasons to hire a campervan. Co-owner Claire Havey comments;

“Although overseas travel restrictions are easing, we urge Brits to not forget about the beauty, opportunity and adventure this country has to offer. The UK has so many hidden wonders yet to be explored, and the perfect way to do this is in the comfort of a reliable, hassle-free home on wheels. We can’t recommend it enough.”

Exploring the UK by road is something that isn’t advocated enough, but is something that brings huge financial benefits to the UK economy. 

The travel and tourism industry took a significant economic hit during the Covid-19 pandemic, and last year as UK travel restrictions eased, it became apparent how easy and enjoyable a staycation was with more Brits than ever embarking on a road trip of their own. 

Tourism-dependent places like Cornwall, Devon, the Lake District and Scotland were inundated with holidaygoers all flocking to enjoy what this country has to offer. Although some grumbles and complaints were received, all in all it was a positive boost to the country’s economy. 

Firms like Calico Campers are now on a mission to promote and advocate local travel experiences. It was recently reported that Jet2 saw a 30% spike in overseas holiday bookings since the recent Government announcement whilst Kent’s visitor numbers lowered by 61% in 2020 compared to the previous year. So it’s up to travel experts to ignite the spark for UK holidays. 

Campervan hire providers Calico Campers suggest there’s no better way to do this than in the safety and comfort of a campervan. Especially because as they warn, the constantly changing Coronavirus situation could put a stop to the ease of overseas travel. 

Co-owner Claire Havey continues;

“Going abroad could be a real headache for people, whether you’re vaccinated or not. Your holiday could still be rearranged or worse, cancelled. We’ve seen it happen so many times already since the Covid crisis began. Instead, consider the wonderful places this country has to offer, places that are perfect for half-term, Easter and summer holiday getaways.

“Campervan hire providers like us at Calico Campers offer a free Covid-cancellation policy which just gives peace of mind to those booking with us. We don’t believe that our customers should have to pay for a situation that is completely out of their control.

“Hiring a campervan with your family and hitting the road is a holiday like no other. Not only will you have a hassle-free adventure, you’ll be supporting your country’s hard-hit travel and tourism industry and supporting local businesses like ours. Whether you’re a seasoned campervan pro or a first-timer, we’re here for you.” Calico Campers have put together a list of the most frequently asked questions about campervan hire.

5 Investment Tips For Beginners Looking To Build Wealth

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Due Diligence

Quite a few investors manage their portfolios in this digital age without doing much research. Relying solely upon expert analysts and their opinions and portfolio models is not the best laid plan. It’s a great starting point, a stepping stone if you will. Investors, however, must learn to do their homework. Due diligence before making an investment move is key to minimizing risks and maximizing returns. You want to approach your portfolio with confidence, and that means you need to be versed and knowledgeable about where you put your money.

Long-Term Investment Window

Do not make investments with a short-sighted mentality. Only invest in companies, funds and other investment vehicles that you feel comfortable with over the long term. Get rich quick penny stocks and day trading opportunities are not for people just starting out building their nest egg. A long-term strategy also comes with its own tax advantages. Focus on getting started on the right foot, providing yourself with as many opportunities for success as possible. Furthermore, when diversifying, consider having multiple accounts with different investments and not just one account with multiple types of investments. The sky is the limit when you are a long-term investor. Watch the webinar to find out more about investing.

Diversification

Diversification is key for a variety of reasons, but chiefly, it helps mitigate portfolio risks. People that say too much diversification can strip you of some of your gains do not know what they are talking about. They see a short-sighted view of diversification. There are real estate investment apps, commodities apps, the crypto market to tap into, and much more. Thinking outside the box means that diversification never ends. Holding for the long term and continuing to diversify strengthens your portfolio, your financial position, and your overall resolve to build wealth.

Invest Extra Funds

Do you know the value of a dollar? Do you pick up that penny on the street? What do you do with your extra funds? Let’s say that you budget and save, and you do well over this next month. After getting highly motivated, you realize there is still some wiggle room in your budget. You could spend those extra dollars, or you could save them. Sometimes it is time to spend some money, but saving an extra dollar here and there truly adds up over time. Be sure, however, that you are only putting away money you don’t need. This helps you stay on track, continuing to build your nest egg without any hiccups.

Long-Term Goals

Setting long-term goals is important when it comes to investing to build wealth. What are your expectations? Are you simply investing for retirement, or do you have other financial goals in place? Perhaps you need to save for your kid’s education, or maybe you want to build your dream home. Bridge lending can allow you to realise your dreams. Consider your long-term goals and allocate funds to the appropriate accounts and investments over time. When you have clear goals and big dreams, it’s much easier to make the right choices when it comes to investments.

Welcoming back the workforce: creating a Covid-safe environment

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With the lifting of Covid restrictions, including the directive to work from home when possible, offices are opening up again. Many of your workforce are likely to be looking forward to this. Working from home can be lonely and they will enjoy the camaraderie of being with colleagues. However, many will also be understandably apprehensive about returning to an office environment in an ongoing pandemic, particularly those who are vulnerable or have vulnerable household members. Putting some key safety measures into place can help reassure your workforce and also reduce the chances of an outbreak on your premises.

Ventilation

Good ventilation has been shown to reduce the chances of Covid transmission. This can be manual, such as through vents or open windows and doors or mechanical through fans or ducts. If you are unsure of the effectiveness of your ventilation systems, a CO2 monitor can help identify poorly ventilated areas.

Good hygiene

Good hygiene can go a long way towards reducing the risk of transmission and regular handwashing should be encouraged. This can include making sure everyone has regular access to sinks and soap or providing hand sanitiser.

Virus-containing droplets can linger on surfaces, so the office needs to be regularly cleaned too. How often this takes place will depend on the number of workers present. Areas with heavy traffic such as entrances and communal kitchens or toilets should be cleaned throughout the day, while a private workstation should be cleared at the end of each day in preparation for cleaning.

Testing and isolating

It is important to keep up to date with the current testing and isolation rules. At the time of writing, cases of the Omicron variant remain high and there is high demand for NHS tests. In England at present, isolating is required following a positive LFD test without the need for a confirmatory PCR test. The exceptions to this are those identified as high risk, participating in research programs or eligible for the £500 Test and Trace Support Payment.

Workplace testing is recommended to quickly identify Covid cases, reducing the chance of a serious outbreak. A good option for offices is to use a third-party provider of tests to ensure a reliable supply, even during times of high demand, to provide your employees with access to accurate PCR tests with quick results. Matrix Diagnostics is one company on the government’s list of general population Covid-19 testing providers that can supply a Covid-19 PCR test with 99% accuracy and a 2-day turnaround to allow your employees to quickly discover if they have contracted the virus.

Keep a work-from-home option

From the start, Covid-19 has been an unpredictable virus. While, for some, it can be serious or even fatal, for others, it is mild or asymptomatic. For those who do not feel particularly unwell, having days off sick can be frustrating. Many of your employees may also have children who contract the virus and require a parent at home to care for them, while those who are vulnerable can be nervous about coming to work if there have been a number of cases. Allowing them to work from home on a temporary basis can help maintain high levels of productivity and boost staff morale.

Bridging Loans for Home Improvements a Popular Post-Pandemic Option

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One of the main points of appeal with bridging finance has always been the speed of the facility. But as households across the country re-examine their priorities, bridging loans are being used for a more diverse range of applications than ever before.

Bridging finance for property refurbishments and renovations, for example, has grown in popularity throughout the pandemic. Far from a temporary trend, most experts see this segment of the bridging sector gaining further traction over the coming years.

Much of which has been attributed to the new hybrid working model that has become the new norm for millions; if not working exclusively from home, most have become accustomed to spending less time in the office.

Coupled with lingering memories of lockdown, it is hardly surprising more people are spending more money on home improvements than ever before.

Shifting Priorities

The pandemic forced households up and down the country to both reconsider their priorities and the way they utilise the space they have available. Spending more time at home than was previously the case meant finding innovative ways to make our homes more comfortable, practical and pleasant places to exist.

Improvements to cooking and dining areas were top priorities for some, whereas others set about creating productivity spaces.

Many set their sights on relocating to quieter and more remote parts of the country, away from busy urban centres; some making the conscious decision to purchase homes in need of major repairs and renovations, in order to acquire them at affordable prices.

More households than ever before are looking to fund minor and major renovations alike with affordable financial products. Many of which are finding bridging loans a more convenient and cost-effective option than a traditional High Street loan.

This is something that counts double for applicants with imperfect credit, for whom conventional loans may be out of the question.

Light and Heavy Bridging Loans for Refurbishments

Government data shows there was a 45% year-on-year increase in the number of planning applications received during Q2 2021. The momentum from this huge spike is likely to be maintained for some time, as homeowners continue to make efforts to make the most of what they already have.

Bridging finance is ideal for covering the costs of minor and major home improvements alike, where the full loan balance can be repaid within a comparatively short space of time. Most bridging lenders divided their renovation products between two categories – light and heavy.

The light renovations category typically refers to non-structural property improvements, which are primarily cosmetic in nature. Anything more extensive such as a loft conversion or extension would be bracketed within the heavy refurbishments category.

In both instances, qualifying for a bridging loan can be much simpler than accessing funding on the High Street. Eligibility is determined primarily on the basis of security to cover the costs of the loan and a workable exit strategy – i.e. how the borrower intends to repay the capital.

Criteria like income level, employment status and even credit history are of less significance. All boosting the appeal of bridging finance further, at a time when more households than ever before have faced two consecutive years of economic turbulence.

Kpop Plastic Surgery Obsession

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Plastic surgery is becoming more affordable, safer, and better as technology advances, and it is becoming more popular all around the world.cNowhere is it gaining traction quicker than in South Korea, where one in every five women in Seoul has undergone some sort of surgery.

Korea is more concerned with becoming “western” than simply resembling Caucasians. It’s not like Korean women bring Jennifer Anniston and Kiera Knightly images to their cosmetic doctors. Despite their willingness to have surgery, it’s unusual to hear Korean women explain their desire for western characteristics as a wish to emulate Caucasians overtly. The connection between the long noses and almond-shaped eyes that Korean women yearn over and the desire to seem white, on the other hand, is not relatively as straightforward. A beauty standard established following years of Korean society idealizing American music artists, reinforced by the innumerable K-pop celebrities who have become South Korea’s most valuable cultural export. https://icloudhospital.com/ Will reveal about the kpop obsession. Keep Reading.

What’s all the hype about Kpop Plastic Surgery?

Three primary processes are used to get the K-pop appearance. It is possible to achieve a crease in the upper eyelid by performing double eyelid surgery, Asian blepharoplasty. The procedure entails altering the epicanthic fold above the eye to gain an upper eyelid with the crease. Asians with Western-looking eyes were thought to be more effective in dealing with individuals from Western nations; therefore, an American physician in Korea pioneered the technique in the 1950s and performed it for the first time. Since then, the procedure has been increasingly popular. Rhinoplasty, often known as a nose job, is commonly performed on young individuals who want to achieve the K-pop style. This procedure makes a broad or flat nose appear taller and narrower, which can help them achieve the look.

While these two treatments have been attacked as a form of self-directed racism since they reshape Asian characteristics to conform to a Western idea of beauty, the third type of surgery that creates a distinct and non-Western look is becoming increasingly popular these days as well. The treatment, known as V-line surgery, reshapes the jawline to produce a smaller, narrower face shape. It entails the removal or shaving bone from the lower jaw, which is done through an incision in the lower jaw bone.

Bottom Line

Nowhere is this more apparent than in South Korea, particularly among young people. Teenage girls typically receive cosmetic surgery as soon as they leave high school, with their parents seeing it as an investment in their futures. Korean pop music performers have significantly influenced the style, many of whom publicly acknowledge having undergone surgery to attain a specific look: a tiny face, huge eyes with double lids, a small or high nose, and a narrow chin.

icloudhospital Korea’s unique ideas and superior medical technology are some of the reasons why the nation has become the global plastic surgery capital. Walking around Gangnam’s bustling streets, you’ll see why it’s called Seoul’s “beauty belt.” IcloudHospital is Korea’s best plastic surgery centre.

What Can Virtual Assistants Do for you?

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At Pearl Lemon Outsourcing, we bring to you a pool of talent that will manage your work virtually. Say hello to your new virtual assistant in London.

Virtual assistants do a great deal of work, so we’ll just cover some of the most common tasks.

Administration

An administrative assistant can handle all of the duties of a business manager.

This involves:

  • Management of the diary – Scheduling appointments and meetings
  • Responding to phone calls
  • Getting started with data entry
  • Keeping your schedule and to-do list up to date
  • Arrangements for travel booking

Administrative assistants usually handle anything that needs to be done.

Executive assistants do not have desks in front of your office, but they do have a computer.

The rest of the duties are essentially the same as those of an administrative assistant.

Personal Tasks

If you need help with personal tasks as well, you can always hire a VA.

Some examples are as follows:

  • To-do lists and calendars for your own use
  • Vacation or weekend travel arrangements.
  • Making sure you have the right purchases – stationary, hardware, books, maybe even gifts, and clothes!

A lot of these tasks can be outsourced to a virtual assistant since they don’t need to be done in-person.

Producing content

Recent years have seen content writing reach the top of the digital marketing ladder.

Corporate blogs are published often for a reason. By doing so, they gain a competitive advantage and drive traffic to their websites.

It can be beneficial for you to have someone oversee this process.

You will experience the following benefits if you regularly publish blog posts:

  • Increased search engine traffic
  • Increase the number of people who click on it and visit your website
  • Increase your conversion rate as a result

It’s not easy to create content. Additionally to writing, you also need to research, find images, edit them, and upload them to your blog.

So you might want to consider hiring a virtual assistant to write your blog posts. In addition to the main process, you can outsource ancillary tasks like uploading images.

The quality of each piece of content is ensured without dipping if it is outsourced to only one person.

Finance Management

VAs are generally assumed to do taxes for small business owners.

Yes, they could in a perfect world.

The reality, however, is that they cannot do any real accounting for you.

However, they can assist you in managing your finances.

Budgets can be created and purchases can be made, so your finances are as transparent as possible.

What are the results?

Will not let tax season send you into a panic once it comes around!

Managing social media

Your marketing plan cannot be complete without social media.

There are many people who will notice and interact with you on social media. Most companies appear remote and unconnected to their prospective customers – that can be changed with social media.

Why not outsource social media management to a VA if you don’t have the time?

The following tasks will be assigned to them:

  • Using social media to share content
  • Creating a posting schedule
  • Keeping your followers engaged
  • Statistic and report analysis

A company’s social media presence is complex, so it’s important to have someone experienced on board. Connecting with people on social media while staying relevant is key.

Because of this, many businesses outsource their social media management efforts to virtual professionals.

Monitoring virality, monitoring interaction, and analyzing statistics will help them determine which content converts best.

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