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The reasons why a bank can freeze your bank account

ABC Staff
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The reasons why a bank can freeze your bank account

It can be very annoying to log onto your online banking and find out that your bank has frozen your account. When a bank freezes your account, all account activity is prevented including using ATM’s, paying direct debits and making contactless payments. 

There can be various reasons for your bank to freeze your account. The actions you need to take to unfreeze your account will depend on why the account was frozen in the first place. Resolver, a complaints resolution service, found that three-quarters of reported problems related to online banks but frozen bank accounts are also an issue with traditional banks.

Reasons for frozen bank accounts include:

1. Suspicion that the bank account is involved in money laundering 

Your bank has the right to freeze assets if they suspect fraud or laundering on the bank account, in fact they are bound by regulators to do so. The frustrating thing is that the bank will not tell you if there is an investigation underway and they are not allowed to explain why they have frozen an account due to suspicion of money laundering on the account. You may need to refer to a banking litigation lawyer to get to the bottom of this. 

2. Unpaid debts

Creditors can apply to the courts to get your bank to freeze your account if there are unpaid debts.  In addition, the bank can freeze the account if you have constantly defaulted on paying your debts. Creditors can apply for a county court judgement to force you to pay back the money you owe. If they believe that you actually have the money and are withholding payment to them they can take out another court order called a third party debt order. As part of the process they can force your bank or building society to freeze your account.

3. Internal account scrutiny.

Banks have various safeguarding procedures in place and case reviews take place periodically to identify potentially high-risk customers. The aim is to identify risks including anything from funding terrorism through to having links to high-risk countries. Red flags include:

  • Too many cash transactions
  • Suspicious transactions from foreign sources
  • A change in the transaction patterns and frequency

4. To protect the account

When a bank suspects irregularities and abnormal transactions that don’t fit with existing spending habits, it can freeze the account. The bank may assume someone has stolen a banking card (credit or debit) of the account owner. Hackers may also have accessed the account. These security measures are designed to keep your money safe.

Typically the bank will try to contact the account holder to warn them of the suspicious activity. However, in cases where they believe the account has been compromised by a fraudster, they may wait for the account holder to contact them. Banks have standard procedures in place to confirm it is the account owner using their money before they unfreeze the account.

5. Due to account inactivity

Inactivity is one of the most common reasons for accounts being frozen. Rather than waiting for the bank to freeze an account that you are not using, it is worthwhile informing them that it is no longer required as having an account frozen due to inactivity can affect your credit rating.  

What can you do?

If you find yourself in any of the situations above, you should:

  • Act quickly to avoid repercussions
  • Talk to the bank first to give them the opportunity to put things right
  • Complain to the Financial Ombudsman Service (FOS)
  • Find an alternative source of funds to cater for immediate bills
  • Set up a new bank account
  • If necessary speak to a financial disputes specialist to work through your options including claiming compensation.

8 Best Books for Young Investors

ABC Staff
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8 Best Books for Young Investors

Are you looking to educate yourself on the local and global financial markets while simultaneously preparing for your future as a financial investor? In that case, one of these books is sure to help. With plenty of chapters devoted to public speaking, personal finance, investing basics, and more, these 8 books are some of the best resources to learn about investing. They can also be great resources for budding investors who already have a good grasp on everything else there is to know about finance.

1. Investing 101

An excellent investment resource that’s also a great book, Investing 101 is an easy-to-read, 100+ page guide for investing in the stock market. This book takes a straightforward approach that focuses on helping readers understand the stock market to get rich. With this book, readers will discover how to start investing and watch their wealth grow with each passing year. Those less knowledgeable about the stock market will find this a worthwhile read even though it doesn’t focus on any of their specific questions.

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2. The Wall Street Journal Guide to Investing

This comprehensive book contains everything you need when it comes to investing, with everything from investing in stocks and bonds to how to make the most of your 401(k) plan. This book is an excellent resource for those who want to learn about investing in the stock market. After reading this book, readers will be equipped with all of the information needed when they are ready to begin investing on their own. It’s an excellent start for anyone who wants to learn about investing and read on their own.

3. The Motley Fool Investment Guide

The Motley Fool Investment Guide is a guide that provides valuable information for anyone interested in learning the basics of investing. It is an excellent read for anyone with no prior experience in the stock market. Readers will know how to find safe, quality stocks for their portfolio, along with tips on making money from penny stocks that you’re more likely to see on your own. Even if you’re an experienced investor, this book will also be beneficial to you because it can help you discover investments that are better suited for your financial situation.

4. The Complete Idiot’s Guide to Investing

This is an excellent book for those who already have experience in the stock market and are interested in expanding their knowledge about investing. This guide is filled with information on investing basics and more, so even if readers aren’t interested in personal finance, they still have plenty to learn about the stock market here. Those who want to learn how to invest independently will find this a helpful resource because of how easy it is to read and understand. This book is also an excellent resource for those who aren’t sure where to start when learning about investing.

5. Thinking, Fast and Slow

This is a book that most investors who are interested in how to invest should know about. Although it’s not a finance book, it’s relevant because it helps readers understand the role of emotions in their financial decisions. This is especially important for those new to investing because they’ll learn how emotions can influence their investment behavior, even though they may not realize it at first. By understanding how our emotions affect investing, they can better navigate the stock market and end up with better financial results on their own.

6. If You Can: How Millennials Can Get Rich Slowly

“If You Can” is a book for investors of all ages with plenty to learn about investing. This book is an excellent resource for beginners and experienced investors alike because it teaches readers about different ways to support and helps them figure out what will be most beneficial for their financial situation. This book is also an excellent starting point for those who don’t know much about the stock market but want to learn more before making significant purchases. With this book, readers can find out how to quickly build their financial future and make sure that doing so doesn’t come at a price they’re not willing to pay.

Conclusion:

As you may have observed, the business of investing is still a field reserved for adults. However, it is important to forge the path early in your life so that successful investments become an integral part of your adult life. The six books quoted above are excellent resources to educate and prepare young investors, but ultimately what works best is to learn from live experience gained by doing. I really hope you found this article beneficial and wish you all the best in creating your first investment plan!

Why banking and art are intrinsically linked | N’Gunu Tiny explains

Claire James
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Why banking and art are intrinsically linked | N’Gunu Tiny explains

N’Gunu Tiny is CEO and Chairman of Emerald Group, an international investment company that stands apart from the rest. 

Art and banking go hand in hand in a way that many people are unaware of. In 2021, pretty much every major bank is snapping up contemporary art at auctions. 

Contemporary art is changing hands at ever-higher prices, with 2021 proving a record-breaking year. For example, Jean-Michel Basquiat’s is the most successful artist in the world’s secondary market right now. Sales of his work at global auctions in the first half of 2021 generated just over £194 million. Basquiat (who died in 1988) is responsible for five of the six best contemporary art sales this year. 

Art and banking – what’s the link? 

Contemporary art is, in short, a major investment category not only for HNWI but for financial institutions around the world. This year has also witnessed the explosion in NFTs, which are challenging the traditional art market in terms of value. 

The second-best contemporary art sale this year was from a previously unknown artist called Beeple. Responsible for the first-ever NFT to go to public auction, which is called ‘Everydays: The first 5,000 Days, Beeple’s work went for $69.3 million.

While buyers of NFTs tend to be entrepreneurs and tech experts right now, it’s likely that traditional banking will also begin to move in this direction. For now, I want to talk about the historical link between financial institutions and art. 

How involved is the world of banking?

According to Guido Guerzoni, who is a professor of Cultural Management at Milan’s Bocconi University, at least 20% of art sales are to financial services firms. Banks even have curators employed in-house to monitor the contemporary art market, scout for new and rising talent and organise exhibitions. 

Of course, the link between banking and art collecting goes back for centuries. Private banks have been financing the arts for centuries, ever since the Medici backed the likes of Botticelli and da Vinci. And today, private banks still own some of the best art collections in the world. 

Rockefeller and the start of the JP Morgan collection 

The modern connection between art and finance can be traced to the 1950s. David Rockefeller is famous for making a huge number of key art acquisitions while heading Chase Manhattan Bank. He established a collection for the bank, which set the standard for other financial and corporate art collections. 

Today, JP Morgan fulfils Rockefeller’s vision of ‘art at work’ and displays more than 450 collections worldwide. Rockefeller is also known for commissioning key works from emerging artists. For example, the Chase Manhattan Bank Mural was created by Sam Francis in 1959 when he was a mostly unknown artist. 

So, while major investors and financial experts have long been interested in collecting art, how it is used has changed. 

The main link between financial leadership and art used to lie in the personal collections of the buyer. Today, it’s much more about a strategic marketing strategy within the art sector. It helps financial institutions infiltrate the cultural markets worldwide and show that they are involved with the zeitgeist in a meaningful way. 

This makes much more sense when we consider that a significant number of HNWI and UHNWI are interested in art investment and collecting. Banks and financial firms, therefore, see this as an opportunity. 

Repositioning their services – the BSI Art collection 

Over the last couple of decades, global banks have repositioned themselves in the minds of clients by collecting art, sponsoring exhibitions, artists and galleries, and owning spectacular collections themselves. For example, the Swiss Banca Della Svizzera Italiana (BSI) deliberately changed tack in 2000 to create an art collection. 

By engaging recognised artists, such as French concept artist Daniel Buren, to create brand new works of art such as installations and paintings adorning the walls of its head office in Lugano, it became a bank and gallery space. 

BSI was founded in 1873 and is one of the biggest financial institutions in Switzerland. Since it began curating its own contemporary art collection, it has amassed important works of art from Alberto Garutti, John Armleder, Alighirto Boetti and Tony Cragg, among others. 

While some works are incorporated into the office space, others are loaned out to international museums and exhibitions, all sponsored and supported by BSI. According to the Head of Management, Francesca Martinoli, the collection has more than 1600 works of art. 

Creating a dialogue between the bank and its clients – the UBS collection 

Investment bankers UBS currently has a 30,000 strong art collection, with most of the artworks placed in its global offices. According to the worldwide head of the UBS Art collection, Mary Rozell, this forms a dialogue for employees and clients and encourages innovative thought. 

She says in an interview with privatebankerinternational.com: “The USB Art collection reflects the many paths our business has taken as we have grown to become one of the world’s largest institutions.”

Many UBS clients are also art collectors, which is a familiar story with major financial institutions. This obviously drives a shared passion for art that works for both parties. 

One of the biggest players in the art market – Deutsche Bank  

Deutsche Bank also has a major art collection, which focuses largely on contemporary photography and drawings. And according to Britta Faerber, chief curator of the collection, Deutsche sees parallels between itself and contemporary art. She says that: “… contemporary art often anticipates developments before they are acknowledged by mainstream society – you can call it a think tank for the future.”

Since 2016, Deutsche has combined all of its interests in art, sports and culture in a dedicated division. The division aims to leverage Deutsche Bank’s resources and expertise to strengthen relationships with its clients. 

And for those looking to invest in art, many banks now include art advisory experts as part and parcel of their wealth management services. It’s very much sending a message to clients that the bank in question is on the same page, that they are familiar with art collecting and working with HNWI. 

Sponsorship and investment – how far the link goes 

It’s not just about the banks’ in-house art collections. Their cultural reputation is very much boosted by the sponsorship of major art fairs. In the past, Deutsche Bank and UBS have sponsored art fairs, such as Art Frieze and Art Basel. Both banks also regularly feature in the ArtReview magazine’s list of the 50 most powerful figures in art. 

There is also the added advantage for the investor of knowing that their money is in safe hands. Contemporary and classic art collecting can be risky investments, and with a world of forgeries and fraud out there, it can feel safer to entrust their investment through a bank’s art division. 

Inspire your Guests with the Best Home Decorating Ideas

ABC Staff
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Inspire your Guests with the Best Home Decorating Ideas

Congratulations, if you’re seeking to buy your first home or have freshly signed the dotted line! You no longer have to live in a tiny rental flat; as you now have your own space which you can call “Home.” However, if you have just spent a significant amount of money securing your new home, the prospect of decorating it may be completely intimidating, and we stand with your thoughts.

Between deciding on the best white paint (Eggshell or Off-white?), what’s the difference between the two? there’s a lot to think about. Even before you start preparing your boxes and loading them into the moving truck, there are several things to consider for your bedroom and indulging in a new sofa that will fit your living room. Let this guide be your go-to for home decor ideas you’ll want to memorize, whether you’re starting from scratch or already have a few ideas in sense.

I.  Start your Paint Creativity

A fresh coat of paint will entirely change and personalize your room. When it comes to painting colours, the possibilities are truly endless, so take some time to evaluate what type of atmosphere you want to develop in each space/room.

II.  Deep Dive in Wide Range of Beds

Picking a bed should be at the top of your list of furniture to buy if you’re starting afresh with your decorating. And there are now more mattress selections than ever before. Remember to assess your room and make sure the bed and frame combination you’re considering is appropriate for the amount of space you have.

III.  Give a Soft Touch with Sofa Comfort

A sofa is a component worth investing in because it is the focal point of your living room. You don’t have to bother about selecting a sofa that will transit well or adapt to a range of different rentals now that you have your property. Select a high-quality couch that is the right size, scale, and arrangement for your space.

IV.  Splash some Lightning Effects

After you’ve decided on the key components for your home, take some time deciding on overhead and wall lighting to personalize your new space.

V.  Use Customized Textiles

Next on our list of products to invest in, is a customized style sides tables, accessories, and distinctive textiles. Though you may have previously chosen more simple pillows and patterns, now that you’ve painted your home and chosen excellent furnishing and lighting, it’s a sensible idea to purchase pillows and throws that are much more as per your perpetual style.

VI.  Indulge in the Sweetness of Hot Tubs

The fast-paced modern lifestyle frequently tempts us to spend a restful weekend at a restorative spa. But wouldn’t it be great if you could take a little of that spa experience home with you? After a long, stressful day, relaxing in a hot tub like this is a wonderful way to unwind. They not only alleviate your problems but also aid in the long-term improvement of your wellness. Hot tubs add a touch of elegance and relaxation to your home here or the property’s backyard.

VII.  Add Charm with Art

A great art collection takes time to build, but that doesn’t mean your walls have to remain blank while you’re looking for the perfect piece before making a massive purchase. While we don’t recommend buying second-hand pieces you don’t like just to occupy a space, we do encourage keeping tabs for affordable artwork to begin your collection.

VIII.  Consider a Feature Wall

Wallpaper, like paint, has a transforming potential that may instantly improve the aesthetic appeal of a room. Applying wallpaper to just one wall is a straightforward way to transform a room, whether you’re looking for sophisticated chinoiserie, bold patterns, or soothing hues.

Amazon and Visa Strike last-minute deal

ABC Staff
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Amazon and Visa Strike last-minute deal

Amazon has been the dominant online retailer for at least the past decade.  It was not always plain sailing for the internet behemoth. Back when the dot com bubble first boomed and, then most of the companies went bust, Amazon was also struggling to create a workable model. Year after year massive losses were posted and there was huge scepticism about whether large scale e-commerce could ever be feasible. Back in the 1990s, it seemed hard to imagine that we would abandon our high streets in return for badly displayed products on a flickering computer screen.

How far we have come when we hear that Amazon UK was threatening to suspend the use of Visa credit cards. While a last-minute deal has been struck to ensure that the cards are still accepted, this is a story that shows how the power has shifted.

Amazon has gone from being an online shopfront, then to a full-service retailer and is now a big tech company. It provides a full suite of services from shop front to fulfilment, warehousing, and delivery. In the US it is starting to take the P2P payment platform, Venmo. It offers its third-party sellers access to its backend services. It has expanded its offering to customers from an online bookstore to a one-stop-shop for everything. The business inventory includes video streaming, audiobooks and podcasts, cloud computing, AI, and Machine Learning technologies.

When Amazon was in its infancy the commercial giants were the supermarkets, the banks, and the finance sector. These were industries that set the rules and rates that everyone else had to play by. It was up to the payment processing platforms like Visa to develop systems that allowed people to feel secure when using their payment cards online. Verified by Visa gave confidence to people to use their bank cards on the internet and this is when e-commerce took off.

From sites like Apple Music being able to offer download and streaming services to paying for your passport application on the Government payment portal, Visa is accepted as a trusted payment platform. With the protections that Visa offers its customers, many people have chosen it as a preferred payment method when they are gaming and gambling online. A bank-issued Visa card can be used for upfront purchase of a game, for in-app purchases, and for placing deposits for online slots and casinos. 888 casino review shows a huge selection of games and a 100% deposit bonus. You can use your Visa card to open your account.

Online security has come a long way from the early days and using an e-wallet like ApplePay or PayPal adds an extra layer of security with two-stage authentication required to access your payment device.

For the past few months, a power war has been bubbling away between Amazon and Visa. It was claimed that Amazon was trying to get Visa to reduce its credit card charges. Since an announcement in November, there has been a game of brinkmanship going on between the two organisations. The battle went right down to the wire with an 11th-hour settlement. On Monday 17th January, Amazon started sending emails to their affected customers saying that they did not need to update their card payment details.

Changing cards could have led to Amazon losing Prime customers who may have chosen to switch to an alternative streaming service for their music or films. It was claimed that Amazon could lose up to £1.4billion from UK shoppers had people not been able to use their credit cards on the site.  For Visa, the stakes were arguably even higher. They saw their share price slump by 5.2% when the original announcement was made, and they were set to lose their share of the massive Amazon shopping basket which has continued to see an upward trajectory.

The resolution between the companies has been labelled as interim, so expect to hear more comings and goings before a final deal is struck.

Everything You Should Know Before Coming for a Holiday in Kenya

ABC Staff
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Everything You Should Know Before Coming for a Holiday in Kenya

Are you planning a holiday in East Africa? Maasai Mara National Reserve in Kenya tops the list for most tourists and good reasons. The region is a lot more enticing during the Wildebeest’s annual migration period. This doesn’t take away from other animals you’ll see, including elephants, zebras, cheetahs, lions, and hippos, to mention a few. Safari tours are a gem, but Kenya isn’t just about animals.

Kenya has it all, whether you want to explore the many national parks, the savannah, wetlands, rainforests, semi-deserts, moorlands, or relax on the beach. Kenya’s rich cultural diversity also provides a chance to taste an extensive collection of mouth-watering cuisines. The welcoming community makes the experience more captivating. Nonetheless, before coming to Kenya, you need to know a few things, ensuring that you enjoy a frictionless holiday experience. Among the top thing to know includes;

Visa

Kenya is a digital nation, making it hassle-free to get a visa. The process is straightforward and fast, and within as short as 48 hours, you’ll get the Visa. You can also opt for the same-day Visa through the fast-tracked eVisa option.

Accommodation and meals

Do you fancy Airbnb or restaurants? You want a comfortable stay, perhaps even adventurous, especially on safari tours. Tasty dishes can’t also take the back seat. With the many restaurants in Nairobi, Kenya’s capital, you’ll be spoilt of choice. High-end restaurants, casual dining, cafes, to fast-food, you’ll find a solution that best matches your budget. Nonetheless, don’t pick just about any space. Following your itinerary, you’ll find restaurants that’ll help you save more time and get a chance to explore more.

Your health

Like any other destination, before you make a trip, you need to consider your health and get the relevant vaccination and prescription necessary. While touring Kenya, you might need meningitis, typhoid, and yellow fever vaccination. Moreover, an anti-malaria prescription is advisable. Apart from sickness, insects can be a scare, especially some sting. Like most African nations, Kenya has no shortage of insects, including mosquitoes, sand, and tsetse flies, to mention a few. As such, investing in quality health care items, including insect repellants, is advisable. You don’t want your holidays to be dulled and cut short by illnesses you can avoid. You’ll enjoy a great holiday experience in Kenya with the proper health care measures.

Pack right

A holiday in Kenya can’t be complete without a safari tour. As you pack, avoid synthetic fabrics. Pick breathable and comfortable clothes. Also, avoid bright colors; after all, you want to see more animals, not scare them away. Keep in mind that colossal luggage won’t do you any favors. Pack light, but right, ensuring you have what you need without carrying a huge bag that’ll drain your energy that could be used to explore more majestic sceneries.

A few rules

Like in most states, you can’t take photos in certain areas in Kenya. Violating such regulations can land you in trouble, including camera confiscation, being held for questioning, and fines. You have a lot to photograph, including the fantastic architectural sights, natural landscape, parks, to mention a few, but steer clear of military bases and personnel and government buildings. While on the rules, it is worth noting that one-use plastic bags are banned in Kenya. Kenya has strict rules on single-use plastic bags as an environmental conservation measure, and a violation could lead to unpleasant experiences, including fines.

Kenya is a safe and fun holiday destination. You’ve probably done your homework and learned a few details like Kiswahili and English are the national languages, and the local currency is Kenyan shilling. With the above pointers, you know more, making it easier to travel, explore, and supercharge your holiday quests in Kenya.

Debunking 5 Bridging Loan Myths

ABC Staff
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Debunking 5 Bridging Loan Myths

Many years ago, bridging finance had a less than ideal reputation and many people believed bridging loans to be expensive and a facility that you only took out when you had no other options.

However, the bridging industry has grown massively in recent years as more lenders and brokers join the market and more borrowers begin to realise the potential and opportunities that bridging can offer.

Here are five bridging loans myths, debunked.

Myth 1: ‘A bridging loan should only be used as a last resort’

It’s true that bridging finance can be a useful facility when other avenues have failed, however, bridging is now often recognised by savvy property investors and business owners as a valuable primary option for fast and flexible finance.

Also, with bridging, no monthly repayments are required so it can suit borrowers who need to manage cash flow issues, and it’s also a good option for people with a poor credit history. To calculate the payments on your loan, you can use the bridging loan calculator and see for yourself whether it’s the last resort

Myth 2: ‘Bridging finance is expensive’

It’s important to remember that bridging finance is a short-term funding option, so it can be inefficient if you need long-term borrowing. Bridging loans are intended to ‘bridge’ a temporary gap in finances before cash becomes available or a long-term facility can be arranged. So, the interest rates reflect this.

But, bridging can actually be used to make money by both home owners and property investors. For example, a bridging loan to fund home improvements may cost you around £50,000 in total (including fees and interest), but increase the value of your home by £75,000 – £100,000 before selling. This means that, yes you will have to pay upfront, but you will make a profit in the long run.

Before taking out a bridging loan, it is a good idea to get an estimate of how much a facility will cost by using a free bridging loan calculator. This will give you a good indication of the fees and interest that will be applied to the loan.

Myth 3: ‘Bridging loans are not safe’

Bridging loans are a perfectly safe form of funding as all bridging loan brokers and lenders are required to be authorised and regulated by the FCA. You can check that the lender and/or broker that you’re using is authorised by looking them up on the FCA’s Financial Services Register.

A regulated bridging loan, when the loan is secured against your home, is subjected to the same regulation as a residential mortgage.

Myth 4: ‘Bridging can only be used to purchase a property’

This myth is entirely untrue. Bridging finance can be used for any reasonable and legal purpose, it just needs to be secured against a property, or sometimes a luxury asset.

Other common uses for bridging include:

  • Home improvements and property development
  • Paying tax bills or other debts
  • Dealing with inheritance and probate issues
  • Business investment and projects
  • Stopping property repossessions
  • Asset acquisition

Myth 5: ‘You need a good credit rating to get a bridging loan’

Bridging finance is not income assessed as you do not make any monthly repayments. Instead, you will have a secure exit strategy in place (usually property sale or refinance) which is outlined before you take out the loan.

So, as long as there is sufficient equity in your property and you have a watertight exit strategy, bridging finance is available to you even if you have poor credit history.

Signs You May Have Rats

ABC Staff
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Signs You May Have Rats

If you think you have a rat problem, there are many signs that you could look out for to confirm rats are present. Discover the warning signs so you can deal with this issue fast before the rats set up home.

Before we talk about the signs, it is important that you know a little about a rat so you can understand its behavioural characteristics. This will then help you recognise if what you are experiencing is rodent activity or something completely different.

Behavioural Characteristics of a Rat

Rats are predominantly nocturnal creatures; they like to move about in the shadows to protect themselves from their predators. They can reproduce very quickly if the conditions are right (food, water, and safety) and they are carnivores so if hungry they will eat their young. For this reason, rats and mice do not normally cohabitate together unless there is a plentiful food supply. Rats are extremely clever, agile and should never be underestimated. They are burrowing creatures and survive in the drains.

So now you understand the basics about rats we can now talk about the common indicators that identify the presence of a rat. Its not often that you will get just one rat. They build colonies if left to grow, so if there is one then then there is normally more. Obviously the first sign that you may have rats is an actual visual sighting. This is conclusive that rats are in the area, the question is where they are coming from and where are they going.

Rat Runs

If you don’t physically see a rat, there are other tell tale signs that rats leave to indicate they have been there. If it’s outside in the garden, then you may come across a rat run. Rats automatically map their routes and use the same paths all the time as they are creatures of habit. This leaves a well-trodden track.

Smear Marks

Routes used inside a property can also be identified by reoccurring use. This is by what is known as smear. When a rat moves around in the dirt and grime their fur gets greasy. If they are traveling over the same white cable or squeezing through the same hole, they will leave smear marks. This can help to build a picture of the rats’ movements and possibly a route of entry.

Scratching Noises

Late at night when the house is all quiet, you may hear some scratching noises. It could be in the loft or even in the wall. Rats use the cavity walls as a route to stay out of sight. They use pipes and wires to navigate round the property. The movement noise is enhanced as it vibrates through the wall. Noise is another way of tracing a rat’s routes. The loft is a common place for a rat to build a nest, so this is a common place for scratching noises to be heard.

Other Signs

There are several other signs that could indicate rats are present. A gnawed air vent for example. Smell is another common indicator; rat urine is very strong and pungent so in areas that rats are using, the strong aroma will permeate. When it comes to droppings, unlike mice who drop everywhere, rats tend to use one area as a toilet. If you find droppings, then there would be lots of them so clear sign rats are present.

Obviously, this is just a snapshot of possible signs that rats are present, and the list is endless. Our advice is to look for the unexpected and use your senses to try to confirm the presence of rats. At Pest-Tech we try to offer advice, but we will always recommend for safety you call in a professional. In some cases, it will be the cheapest option as well. If you would like further information or book a treatment, then visit pest-tech.org

Use the Profit Edge App Today to Book Crypto Profits and Leave your Competitors Puzzled

Sam Allcock
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Use the Profit Edge App Today to Book Crypto Profits and Leave your Competitors Puzzled

One of the most common ways for ordinary investors to acquire wealth is to invest in and trade stocks, currency, commodities, and other assets. The ability to trade online has opened up a world of potential that was previously out of reach for the majority of people; it is also more convenient and allows investors to keep control of their money since the emergence of the Internet. New tools and ways for investing and growing one’s wealth were destined to develop as our digital world progressed.

Bitcoin was the world’s first cryptocurrency when it debuted in 2009. Bitcoin, on the other hand, took a long time to develop into the global digital asset it is today. Interestingly, the investors who initially saw Bitcoin’s potential and technology were rewarded in 2017, when Bitcoin touched a high of $20,000 for the first time. Bitcoin reached a high of $65,000 in April 2022, making many people extremely wealthy.

Although trading cryptos can be profitable, and there are many potentially successful trading opportunities in the current market, crypto prices are volatile, which means there are dangers. 

Keeping in mind how murky the crypto waters are, we designed the Profit Edge App to give everyone fair chance at booking crypto profits consistently in a hassle free manner.

In a nutshell, Profit Edge app will give you with real-time market data and insights to help you improve your trading accuracy and reduce the risk factor.

What makes Profit Edge an Exceptional App?

The Profit Edge team created this programme and software to make it simple for anyone to access the Bitcoin and cryptocurrency markets. The programme makes use of a sophisticated algorithm that analyses cryptocurrency marketplaces using past prices and a variety of technical indicators. The Profit Edge app provides real-time market and crypto price information and analysis, which can assist you in identifying potentially profitable opportunities. Traders of all skill levels, from beginners to advanced, can use the Profit Edge programme. It’s a powerful trading tool that can be tailored to fit any degree of skill, autonomy, or help.

The market is continuously evolving and growing, and the Profit Edge team is always looking for new ways to improve the app’s performance and capabilities. Everyone is welcome to sign up for The Profit Edge’s software, which is designed to make trading cryptos more easier. The Profit Edge software for trading Bitcoin and cryptocurrencies provides real-time market data and analysis, allowing you to improve your trading accuracy by having access to this crucial information.

The time to enter the cryptocurrency market has arrived, and Profit Edge Trading invites you to join our trading family where there is money to be made trading Bitcoin and other cryptocurrencies and  you’ll get access to real-time, data-driven market analysis, which can help you improve your trading accuracy significantly.

Ready to Join? Here’s What You Do

Follow these easy-peasy steps and start benefitting with Profit Edge:

Register For a Free Account

Fill in your full name and email address on the website’s signup form. You’ll be asked to create a password at this point. To ensure the password’s strength, we recommend using a mix of upper and lower case letters, symbols, and numbers. You’ll be asked for your location (country) as well as your phone number. Your account will be activated once you’ve completed this information.

Pump Trading Capital

Following that, you’ll need to make a $250 deposit to have access to trading money, which will allow you to trade cryptos on the market. Profit Edge has partnered with the greatest, most reputable, and well-known brokers in the market. As one of our partners, they will provide you with access to the trading platform, instructional resources, effective trading tools and features, and much more. The software of our broker partners integrates perfectly with the Profit Edge programme, allowing trades to be conducted automatically on the platform based on your trading preferences.

Enjoy Your ROI

You can start trading and making money after your deposit is shown in your trading account. You can simply define your trading parameters in Profit Edge’s automated mode, and the software will trade on your behalf whenever a signal meets your criteria. This allows you to focus on other tasks while the Profit Edge programme takes care of the rest. You can switch the Profit Edge programme to manual mode if you desire complete control over your trading activity.

What’s The Earning Potential?

The cryptocurrency market fluctuates, and trading BTC or other cryptocurrencies entails a risk. The Profit Edge app is a powerful trading tool that gives you real-time, accurate market research and insights, aiding you to make profitable trades.

See How Easily Bitcoin Fast Profit App Fights Market Fluctuations and Delivers Consistent Profits

Sam Allcock
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See How Easily Bitcoin Fast Profit App Fights Market Fluctuations and Delivers Consistent Profits

On October 31, 2008, the Bitcoin whitepaper became viral, describing how a peer-to-peer digital currency would function. Decentralization was an attractive concept at a time when the global banking system had failed and caused significant economic damage. As a result of the public’s distrust, adoption was delayed at first. In 2009, a user purchased two pizzas for 10,000 bitcoins, an amount that would be worth millions of dollars today.

By 2010, investors would be able to buy and sell Bitcoin on crypto exchanges. By 2013, Bitcoin’s market capitalization had surpassed $1 billion, marking yet another key milestone. The cryptocurrency market was heating up, and investors began to take notice. The climax would occur in 2017, when Bitcoin’s value reached a new all-time high of slightly under $20,000 for the first time. Several other cryptocurrencies have emerged as a result of Bitcoin’s voyage, but the initial cryptocurrency still has weight in the space.

Bitcoin Fast Profit assists investors in identifying profitable trading opportunities in Bitcoin and other cryptocurrencies. BITCOIN FAST PROFIT assures you never lose out on the chances presented by choppy market activity, which has remained a distinguishing feature of cryptocurrencies.

Here’s What You Didn’t Know about Bitcoin Fast Profit 

Demo Version Available

Registered users can use a free and unrestricted demo account to try out Bitcoin Fast Profit. You may practise, tweak, and perfect your trading strategies without risking your money. Once you’ve figured out how Bitcoin Fast Profit works and how it performs, you can move on to live trading.

Customization at your Fingertips

Bitcoin Fast Profit is a cryptocurrency trading platform that is totally automated. Those who desire full control over their trading decisions can easily toggle between manual and automated trading modes, as well as adjust variables like tradable coins and tokens, trading timings, stake size, stop losses, and benefit goals.

Virtual Private Server (VPS) Enabled

Bitcoin Fast Profit allows you both automated and manual trading, and its VPS features ensure that you never miss out on the best trading opportunities due to technical difficulties. Investors can conduct business on both desktop and mobile devices because the software is web-based.

Works on Multiple Platforms 

Bitcoin Fast Profit can be used on a number of different trading platforms. Choose one or more brokers from our list of licenced and reputable companies, and trade as many crypto currencies and tokens as you want with the best crypto trading tools available.

Want A Piece Of The Action? Follow These Next Steps…

Sign up For a Free Account

To join Bitcoin Fast Profit, fill out the signup form at the top of the page. All that is required is your full name, email address, and phone number. Wait for the form to be approved before sending it in.

Fund $250 as Trading Capital

After you’ve been approved, open a trading account with one of the brokers we recommend. Deposit a minimum of $250 into your trading account to begin trading with Bitcoin Fast Profit. This money will be utilised for trading purposes.

Start Making Profits

After transferring funds into your trading account, it’s time to start making money. To enable the Bitcoin Fast Profit, simply click on ‘Auto Trade,’ and the software will start printing money for you.

What Are You Missing Out On?

Free Trading Platform

Joining the Bitcoin Fast Profit family and trading with the best trading app in the world is completely free. Profits generated by trading with the BITCOIN FAST PROFIT are not subject to commissions.

Variety of Instruments

The brokerage partners of Bitcoin Fast Profit offer a wide selection of crypto assets, including Bitcoin, Ethereum, Ripple, BAT, and Bitcoin Cash. Stocks such as Apple, commodities such as oil, and indices such as the DAX are examples of other financial asset types.

No Need for Download

The web-based interface of Bitcoin Fast Profit allows investors to use the software on any web device, regardless of whether desktop or mobile.

Minimal Investment

A $250 minimum investment is required for Bitcoin Fast Profit partners. This is also the smallest investment required to begin trading with the world’s most profitable crypto trading programme.

Swift Banking

All of the Bitcoin Fast Profit brokerage partners have efficient payment processing systems in place, allowing for rapid deposits and withdrawals. Payment options such as major credit/debit cards, e-Wallets, and bank wire can be used to deposit or withdraw funds from your account.

Immediate Account Activation

The Bitcoin Fast Profit signup process is simple, quick, and painless. Fill in your information, confirm your email activation, and wait for approval. All of this may be completed in within 10 minutes, allowing you to begin profiting as soon as possible.

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