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Tech Giants Top EU Lobbying Spending

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The EU Commission is proposing tougher laws to better regulate and rein in the power of big tech companies. These laws include the Digital Markets Act (DMA) and the Digital Services Act (DSA). The laws will address disinformation, unfair competition practices, and targeted advertising done by big tech. 

Big tech companies are the largest lobbying spenders against the EU’s new, more stringent laws. Google, Microsoft, Facebook and Apple were some of the biggest spenders, which is not a surprise due to their influence in the industry. 

The tech sector now has more lobbying power than the automotive, pharmaceutical, and financial services industries. Their goal is to influence the EU Commission not to enforce policies that can hurt their power and influence over the market and consumers.

Tough Reform Proposals Impacting the Sector

The DMA and the DSA are a package of reform proposals intended to limit the power of big tech companies. The DSA aims to better protect online consumers. Tech companies will have to account for new reporting, auditing, and risk management for the content and advertisements that they produce and distribute.

The DMA aims to develop more fair and open digital markets to induce competition and regulate the conduct of “gatekeepers”. The goal is to improve antitrust enforcement, with additional rules that will impact digital services, apps, online marketplaces, and social media.

Additionally, tech giants are also trying to influence the EU’s enforcement of the General Data Protection Regulation (GDPR). The privacy and protection law sets guidelines for the collection of personal information for individuals living in the EU. Many argue that this policy was weakly applied to big tech. If implemented effectively, this law could hurt their business models.

                                                                        Source: EU Transparency Register

Alt Text: Ten technology companies spend a third of total technology lobbying expenses

https://socialeurope.eu/how-big-tech-money-skews-the-european-playing-field

Big Tech Spending

Big tech companies are trying to influence the EU’s policy agenda. A recent study by the Corporate Europe Observatory and Lobby Control analyzed the power of tech lobbying spending at the EU level. 

The report found that only ten companies are responsible for a third of tech lobbying spending, even though 612 companies are partaking in lobbying spending to influence the EU’s tech regulation policies. The companies include Google, Facebook, Microsoft, Apple, Vodafone, Qualcomm, Intel, Amazon, IBM, and Huawei. These ten companies contribute 32 million euros out of the total 97 million euros annually spent on lobbying the EU.

The power of US-based big tech companies was illustrated in the breakdown of lobbying spending. Google topped lobbying spending with 5.8 million euros, followed by Facebook and Microsoft. US-based firms dominated the industry in lobbying spending, while Chinese firms made up less than 1% of total lobbying spending. 

Additionally, China has not invested as much in the EU lobby as the US. 20% of tech companies lobbying the EU are US-based, and less than 1% of companies lobbying the EU have headquarters in China or Hong Kong.

Big tech’s heavy spending has given them access to the EU Commission. Smaller firms, however, do not have this privilege. As a result of Big tech’s lobbying spending efforts, the EU commission of high-level officials held over 270 meetings in the last two years. Wealthy big tech can advocate for preferred policies with the appearance of industry-wide support even though big tech is making the majority of contributions.

Big Tech Funding

Big tech gets some of its funding for lobbying from startups, NGOs, and think tanks. These companies advocate on behalf of big tech. However, big tech companies often do not disclose the links between them and these companies unless they face pressure to do so.

The Bottom Line

Big tech giants have huge lobbying budgets intended to prevent EU institutions from imposing laws that can compromise their power. Lobbying spending in this sector has far exceeded spending in other sectors. A third of lobbying spending comes from ten tech companies. This indicates that most of the tech companies contribute little to the effort relative to big tech. 

Big tech wants to maintain its influence in the digital market. Increased lobbying efforts came when EU institutions introduced new reform proposals such as the DSA and DMA. These reforms are designed to address unfair anti-competition by big tech and increase consumer protection. The implementation of these laws could threaten the power of big tech. Investors should consider the implications of these laws for CFD trading.

Big tech’s spending has a significant impact on EU policymakers. Big tech spends significantly more than other tech companies that are a part of the lobby. Their spending gives them access to high-level officials in the EU commission. Overall, US-based companies have contributed to this effort far more than Chinese tech companies. 

Here’s How to Choose a Roofer in Glasgow

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All across Scotland, you’ll find roofing companies and roofers who offer various products and services. But, you won’t find a place that has as many roofing services as Glasgow. Due to the size of Glasgow and its mostly-poor weather, there is often a lot of work for roofers ranging from roof repairs to replacement, roofing extensions, and chimney work.

If you live within Glasgow and you need a roofing company that can offer the best products and services, there are several things to note.

First, you need to create a list of contractors within Glasgow and then shorten the list to 3 or 4 companies that are licensed and belong to professional bodies.

Don’t work with roofers who are not licensed or recognized within the industry. The roofer must also be certified by health and safety bodies. Although unlicensed roofers will offer cheap services, you can always expect substandard work.

 Here are some common professional bodies for roofers 

  • Association of Technical Lightning & Access Specialists (ATLAS)
  • Constructionline
  • The Contractors Health and Safety Assessment Scheme (CHAS)
  • The National Federation of Roofing Contractors

Another way to search for roofers Glasgow is on Google. You can also ask friends or people who have repaired or installed their roofs recently for recommendations.

Building trade suppliers can also provide the required information.

Here’s How to identify a bad roofer

Begin by asking whether they have the necessary license and approval, and which organisation licensed them.

If they don’t have insurance, don’t work with them.

Look at their portfolio and judge their previous work.

Find out how long they have been in the industry and their expertise.

Confirm if they offer a guarantee and what it covers

Don’t hire a roofer who pressures you to make payments or sign up.

Low estimates and cheap prices can be risky so be wary of them. Cheap work could come with poor-quality materials.

Don’t hire a roofer you meet through door-to-door sales

Choose a roofer who is experienced with dealing with your type of roof so that they will handle it with the best expertise. Also, understand your roofing needs so you can oversee their work.

How to Get a Quote from a roofer

Many roofers make free quotes available online, so it is advised to go request those quotes and consider them. 

Study the profiles, training qualifications, and previous track records of contractors before choosing to work with them.

If you’re working with Asphalt shingles, they need more maintenance than other types of roofs, although they are easier to install than other types of roofing.

Asphalt roofs are less prone to leaking than other options. They are also a cheaper option for roof replacements than other roofing types. 

Although Asphalt shingles are easy to install, it is best to work with experienced roofers who installed that type of roof before. They will know how to install the roof properly for better quality and longevity. 

Investment Property Home Loans – What You Need to Know

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If you’re contemplating purchasing an investment property, you would know that it is a rewarding source of passive income. However, financing an investment home loan in Brisbane has some key considerations, which can be different from financing for a primary residence. Investment property mortgages have some additional steps compared to primary residence mortgages; they may also incur  higher interest rates and require additional borrower security compared to taking a mortgage on a primary place of residence.

Before we get into the details of what you need to know about investment property loans, let’s review what the term ‘investment property’ means.

Simply put, investment property refers to a property you purchased as a financial investment. You may have purchased with the objective of renting out the residence, or to ‘flip’ it.

‘Flipping’ a home refers to the process by which investors buy a property in a fast-expanding area with the purpose of subsequently selling it for a profit, typically they will make  repairs or completely renovate to boost its value in a short period of time.

Difference between A Regular Home Loan And Investment Loan

Investment loans are specifically curated to cater to the purpose of investing. These loans typically follow the same structure and options as a regular home loan, but as investment loans can come with a higher risk for lenders they may also have additional fees and higher interest rates.

When your loan application is assessed,  the expected rental income is taken into consideration for your serviceability, or repayment schedule. It is worth noting that the assessment process for serviceability may be a bit stricter for investment loans. That is, the lender may be more conservative in their assessment of your ability to repay your loan.

Purchasing an investment property is usually part of a long-term plan to build wealth. Understanding your financial goals means that your mortgage broker can work with you to tailor the most suitable strategy for financing your property investment plan. Your goals and other financial considerations, such as any equity you are using against the loan, can influence the ideal method to arrange your loan facilities. Depending on what you want to achieve and what options are available, your strategy may take into consideration the benefits of different repayment structures such as fixed rate, variable rate, interest-only or split loans.

Advantages and Disadvantages of Investment Property

An investment property is a considerable financial decision, and it is best to be informed of the advantages and disadvantages of purchasing an investment property.

Here are a few advantages of Investment Property Loans:

  • Growth Potential: Market expansion and housing price appreciation
  • Returns: These are derived from rental income.
  • Tax Deductions: You may be eligible to deduct property costs from your taxable income.
  • Equity: The ability to use your investment’s equity to acquire more properties.

Here are a few disadvantages of investment property loans:

  • Liquidity: The cash worth of your property is more difficult to acquire, and selling can be time-consuming (and costly)
  • Vacancy: There is a possibility that your property may remain unoccupied, which means no returns will be made for a lengthy period of time.
  • Cost: Upfront charges, such as investment stamp duties, might be prohibitively expensive.

Making Informed Decisions

There are a few things you should look at before applying for an investment loan:

Credit History

Lenders typically want to see proof of your ability to repay your loan. Which means a solid credit rating is important, because. When the lender evaluates your application, they will evaluate any arrears and overdraws.

Employment

Lenders prefer candidates who have a consistent work role and sector, as well as decent employment history and reliable income. If your employment has changed in a short period of time, lenders will look at the gap between your current employment and your previous work situations in their assessment of your ability to repay the loan.

Loan-to-Value Ratio (LVR)

LVR relates to the amount of equity you have vs the amount you need to borrow. The greater your down payment, the lower your LVR. Lenders like a low LVR, so save as much as possible!

Power of Borrowing

Your borrowing capacity is determined by your income, less your costs. Calculate your monthly disposable income to obtain an estimate of your borrowing ability.

Fees and Ongoing Expenses

Investment properties, as previously stated, may attract a higher interest rate, resulting in greater continuing keeping expenses. Furthermore, investment property fees and maybe land tax might be incurred, so make sure you account for this in your planning.

The Property

Because the lender will be using the property as security, complete appraisals will be performed on the property to assess the risk to the bank. As a result, looking at houses that aren’t regarded as liveable or are in desperate need of repairs may influence the lender’s decision to accept the property as collateral.

There are a number of ways to structure your investment property loan. Property investments can be profitable, but like any investment it is recommended that you do your research, and if you are unsure, chat to an expert before committing to a purchase.

Your mortgage broker in Brisbane can help you when you’re ready to start looking at rates, loan options and putting together a budget that suits your financial goals.

As a final tip, seeing if you’re pre qualified for an investment property mortgage when you start your search can save you time and streamline your investment loan search.

FACTORS TO CONSIDER WHEN BUYING A GREENHOUSE

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Greenhouses are no longer a status symbol for the seasoned gardener. Greenhouses are now just as certain to be utilised for gatherings and partying as younger adults admit to seeing them, not just as a way to a healthy and eco-friendly dwelling, but as a luxurious life item.

A greenhouse may also be a relaxing location to appreciate the garden or the fruits of your labour. In reality, an increasing number of individuals are utilising their greenhouses to grow food and beautiful plants, mainly to eat better and healthier since it ensures the quality of the fruit they consume. While greenhouses are unquestionably significant investments, and quality glass and polycarbonate greenhouses are now widely available, there are several things to think about before making the final purchase. Here are four main factors to consider when buying a greenhouse.

  • Installation of the greenhouse:

When deciding on a greenhouse, consider whether you will install it yourself or hire someone to do it for you. If you plan to install a greenhouse, you will be limited to a width of 35 feet since anything greater would necessitate the use of specific equipment. Whether you are considering purchasing a gutter-connected conservatory or a basic 30 ft X 100 ft greenhouse, you must evaluate the initial outlay as well as your greenhouse requirements.

  • Plants you plan to grow:

One element to consider before purchasing a greenhouse is the type of plants you want to grow on your farm. If you want to produce tomatoes, chillies, and aubergines in your greenhouses throughout the summer and early season, you might consider having a few 30-to-35-foot greenhouses instead of a huge interconnected greenhouse because each of those crops has unique climate demands. It’s also beneficial to have multiple greenhouses since you may “switch” one from summer to winter plants in August without missing out on the end of the greenhouse cycle with your primary summer crops.

  • The size of the greenhouse:

You must be forward-thinking in your greenhouse size and model choices. Whether you’ve been producing veggies for two or ten seasons, you should plan to want an improved greenhouse as you progress and generate more money. You won’t have to invest twice if you start with a greenhouse that can grow with you. The first factor to think about is how big, tall, and wide you want it to be. Rather than purchasing a basic greenhouse that cannot support effective climate control systems, select a “fancier” choice that will allow you to maximise your plants with the most appropriate environment.

When it comes to greenhouse size, you want a lot of space. Contrary to popular belief, heating bigger air volumes are less expensive per square metre than heating smaller air volumes. Because they offer superior temperature stability, large air volumes make heating and managing the greenhouse environment easier. Not to mention that the greater the height of a greenhouse, the more brightness it will have, which will boost plant development, vitality, and, presumably, agricultural production.

  • Gutters and vents:

Install a guttering system and a butt to capture rain to preserve water, which may be utilised for the plants. For individuals who have a lot of plants, this may be of great assistance in the summer when there is a chance of a hosepipe ban. Consider the venting system as well. Because greenhouses have greater temperatures, vents enable hot, rising air to go and cold air to enter – especially in summers. This is a significant investment that should not be overlooked or undervalued.

FINAL THOUGHTS:

So, this was it. There are, of course, many more factors like lighting, location and heating, but those mentioned above are the primary factors you must consider when buying a greenhouse.  

Nigeria Sees the Biggest Increase in the 2021 UK Approved Study Visas

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There has been a significant increase in the number of people seeking to migrate to the UK from Nigeria in the past few years. Last year marked a pleasant turnaround for many Nigerians wishing to study in the UK as the British government issued a record number of study visas to applicants from across the world.

In 2021 ( for the year ending in September), 428,428 sponsored study visas were awarded to both international students and their dependents. Compared with the past two years, this implies:

  • 143% (252,327) more than the year ending September 2020
  • 55% (152,077) more than the year ending September 2019
  • It is also a 29% rise compared to 10 years ago, in June 2010, when there were 307,744 issued study visas

Nigerian Students Record an All-time High

Among the biggest beneficiaries of this spike in issued UK are Nigerian students, as the numbers are particularly high compared to 2019. As stated in the end-of-year report, Nigerian nationals were awarded a total of 36,783 visas, a 368% increase or 28,923 more visas from the year 2019. Only two countries got more visas than Nigeria.

At the end of the year in 2019 and 2020, Nigerians only received 7,860 and 8,229 sponsored study visas, respectively. Dependants are also huge beneficiaries of the rise in UK Student visas. 10% of the 36,783 visas were issued to dependents.

This development presents hope to UK educators who have in the past few years lost hold in the Nigerian market to countries like the United States, Canada, Ghana, and South Africa in the past 10 years. Total enrolments of Nigerian students in UK universities fell to 10,540 in 2017-18 from 18,020 in 2013-14, according to a 2021 Carnegie Empowerment for Peace report.

According to the report, most Nigerian students consider ease of visa application and affordability when deciding on where to study. The UK may be losing out to countries with a more welcoming environment or because UK school tuition fees were fast becoming unaffordable for Nigerian middle-class families.

The decline, however, also relates to Nigeria’s GDP growth and the recession from 2014 to 2016. Nevertheless, the recent spike shows that more and more Nigerian students may choose to study in the UK in the coming years.

Aside from Nigeria, other countries with major increases in visa approvals include the United States, Pakistan, China, and India. Chinese students were issued more than 135,450 visas, and for India, the numbers went from 30,490 in 2019 to 90,970.

Pakistan nationals recorded a 270% increase from 4,015 visas in 2020 to 14,845 in 2021. For the United States, the numbers went from 8,638 in 2020 to 15,330 in 2021.

Interestingly, the number of visas to fellow EU countries saw a significant decrease despite the massive increase for non-EU countries. The UK government granted a total of 428,428 visas in 2021and EU/EEA students received just about 9%. This comes after Brexit as, before 2021, EU nationals didn’t need visas to enter the UK.

More Opportunities with the New Graduate Visa Route

For Nigerian students, one of the most important factors in deciding where to study abroad is the availability of post-graduation employment. As a result, the UK government’s recent introduction of a Graduate Visa in July 2021 may contribute to the increase in enrolments from Nigeria.

With a Graduate Visa, international students can stay in the UK for at least 2 years after finishing their bachelor’s or master’s degree programme. Doctoral graduates can stay in the UK for an extra year (3 years). This gives them time to work or look for a job.

The Graduate Visa is a non-renewable visa. However, if a person gets a job and wishes to remain in the UK, they can apply for and obtain UK work visas. Notably, they can switch to a Skilled Worker visa that lasts for up to 5 years before renewal. They are also eligible to apply for Indefinite Leave to Remain (ILR) in the UK. After obtaining ILR, they can stay in the UK permanently and apply for British citizenship after 12 months on ILR. 

How to gain credibility and clients as a freelance personal trainer

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When beginning a personal training business, credibility is everything. Nowadays, everyone can set up a social media profile, buy some equipment and start calling themselves a personal trainer. But will customers line up in their droves for their services, or merely glance at their content and instantly forget about it? That all depends if potential clients believe in them. Specifically, in whether they possess the relevant skills and expertise.

Whatever stage you’re at in your business, credibility is critical to your success as a personal trainer. Here we share four ways you can prove to potential customers that you’re the real deal.

1) Sort out the basics

Before you start thinking about getting clients and taking names, you need to get the fundamentals nailed down. Namely, getting your certificates and insurance. Although the quality and detail of PT qualifications are up for debate, there’s no getting around the fact you need them in order to appear legitimate. This involves taking courses from Level 1 to 3, which all in all should take around 12 weeks to complete. It might not sound like much fun, but you’ll have an official certificate at the end. So, rather than complaining about it, just get it done — you might even learn something.

Next is personal trainers insurance, which is very important according to insurance providers at Salon Gold, who explain: “A client may sustain an injury while following advice you gave them for their fitness routine. This may lead to a claim for malpractice and spell bad news for your business.” So how do you protect your business from the financial fallout of these kinds of accidents? Simple. Get an insurance policy to guarantee you’ll be protected.

Not only are you free to focus on the more important parts of your business rather than constantly worrying about safety, but it also stamps some credibility on your name. On your website and socials you can reassure customers by mentioning that you are fully insured, perhaps with a little certificate for proof if possible.

2) Pinpoint your training niche before your target audience

Knowing your target audience is crucial, but in order to find out who your customers are, you first need to consider where your expertise lies. It’s all well and good deciding that your niche is going to be middle-aged women who want to lose fat without lifting any dumbbells. But if you’re a 26-year-old man who has spent your entire gym career lifting heavy weights in order to bulk up rather than slim down, it’s safe to say that you won’t be able to offer much experience,  expertise or value. Just because targeting a certain niche is permissible, it doesn’t mean that it would be wise from a business perspective. You’d have to spend a lot of time learning and developing in order to gain the skills required to serve a niche you have no understanding of.

So, take a step back. Where do your training interests really lie? What are you good at? What knowledge do you want to pass on? This will help you pinpoint a target audience. When you first start you probably won’t have the luxury of picking and choosing clients as succinctly as you’d like. Over time, however, start filtering out clients you don’t want by being honest and saying: “I’m not the best person for you.” You could even recommend somebody else — this can help you build relationships with other trainers and also makes you look well-connected in the fitness community. Although you’re losing out on clients, your honesty will grant you more credibility with the clients you do want. After all, if you only train people like them, you must be really good at it.

3) Build a strong online presence that focuses on community

One of the first things people look for when it comes to finding a personal trainer is their previous clients. They want to know what you’re like, whether you were successful, how long it took to achieve their goal, and whether you were fun to train with. To create a consistent and meaningful set of testimonials, have a questionnaire prepared for your clients that you can ask them to fill in after a successful period. Having the same set of questions means that the answers will look uniformed and purposeful when you share them online.

Testimonials bring us onto our next point: a strong online presence. It’s inconceivable in the modern era to ignore your digital profiles, whether these are on social platforms like Instagram, YouTube and TikTok or professional-looking websites. There’s tonnes of inspiration out there — just search the hashtag #personaltrainer on social media to see thousands of fellow trainers posting quality content that their customers love. For websites, some great examples include the likes of Mike Thurston, Joe Delaney and Anna Victoria. And with website builder tools like Squarespace and Wix available, there’s no reason not to create your own.

Once your online presence is established, you can start to build a small following. This will be made up of people you have trained, as well as any prospective clients. Curating this sense of community makes you more approachable and trustworthy. When people engage with your posts by commenting and sharing, these are all markers of community spirit that enhance your reputation, and mean potential clients will look at your services more favourably.

4) Showcase your knowledge for free

Marketing goes hand-in-hand with credibility and here is a useful piece of advice: spend 25% of your working day marketing and 75% training. You may be thinking that 25% on marketing is a large chunk, so what’s the most effective way to spend all that time? We would suggest creating free content showcasing your knowledge and expertise. Curate videos of you in the gym executing movements and talking about form or tempo. Perhaps you’re on a yoga mat doing a four-minute ab routine or maybe you’re offering diet advice on a podcast. Anything that gives your target audience value is always worth sharing, even if you aren’t being paid for it.

With this kind of stuff, some remarkable marketing will be needed to make a statement when there’s so much noise. YouTube doesn’t keep official stats on how many videos are tagged “fitness” but it has been reported that in 2020, viewers watched 5,500 years-worth of yoga videos alone. Even after taking the Covid lockdowns into account, that’s still double the number from the previous year. It might seem impossible to stand out when such a crazy amount of content is available, but you can still pierce through if you give value to a targeted set of people with a variety of PT marketing techniques. Moreover, make sure your uploading schedule is relatively consistent. You won’t believe how many people stick to certain creators because their content has embedded itself within their routines.

Some business owners may push back on the ‘free’ element of content creation. Why should you give away your expert advice for nothing? It’s a valid question, and the answer is that you have to think about the long-term benefits. When people get amazing value from your free content, they’ll assume the services they need to pay for must be even better. The best way to demonstrate credibility is to let your customers see you in action. Once you’ve backed up your credentials with this proof, they will know you are (in)credible.

Want to become a dentist? Here’s what you need to know

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Becoming a dentist is a fantastic career choice. Offering the opportunity to really help people, be creative and earn a good salary, among other benefits, it’s no surprise that there are just under 50,000 dentists in the UK. And as you’re reading this article, we’re assuming you’re at least somewhat interested in becoming one yourself. But how exactly do you do this?

The required qualifications

Undergraduate dental education

To qualify as a dentist, you need to complete a bachelor of dental surgery (BDS) degree at university. As well as gaining all the academic knowledge required to be a dentist, you’ll get plenty of practical experience too, working in a range of hospital and community clinics treating patients under close supervision. To give yourself the best chance of practising dentistry post university, you’ll want to get at least a 2:1 in your degree.

Do bear in mind that it can be difficult to get onto these courses in the first instance, however, as you need high A-level results, with chemistry and biology required subjects. That said, some universities offer a one-year pre-dental course for those who don’t have the requisite grades.

What’s more, many institutions require applicants to pass a UCAT (University Clinical Aptitude Test) exam too, a two hour computer-based assessment based on the abilities, attitudes, and professional behaviours needed by dentists (and other medical professionals). With the UCAT exam notoriously difficult, we recommend undertaking a preparation course to give you the best chance of passing. UniAdmissions’ features one-to-one tuition, an intensive course and online revision support, with a proven track record of helping students pass the assessment.

Postgraduate dental education

Once you’ve graduated, you’ll need to undergo dental foundation training (DFT) (or vocational training (VT) if you’re in Scotland) if you want to work for the NHS. This is supervised training in which you work for an approved dentistry for a year after university. Eligible applicants are ranked by a Situational Judgment Test score and a virtual interview, with the former accounting for 75% and latter 25%. In order to prepare for this, it’s recommended to check out the SJT test paper published by COPDEND. There’s also more information and guidance on the test and interview on the COPDEND DFT recruitment website.

Regardless of whether you intend to work for the NHS or not, you’ll need to register with the General Dental Council (GDC) in order to practise as a dentist in the UK. This involves an online application form, plus providing ID and proof of your qualification. You’ll have to pay an annual fee to remain a member and undertake continuing professional development to be allowed to continue practising.

To become a specialist dentist, such as an endodontist, orthodontist or periodontist, or a cosmetic dentist, you’ll also need to undertake further training with that profession’s particular professional association.

The requisite skills

In order to be a dentist, you need to have a certain skill set, which includes:

  • Manual dexterity and technical dentist abilities, as well as being able to concentrate for long periods of time
  • The ability to forge relationships with patients and colleagues
  • Excellent communication skills, for interactions with patients of various ages and backgrounds
  • An interest in the well-being of others and the ability to deal with patients in a sympathetic way
  • IT skills to maintain records and accounts
  • Administrative and managerial skills if you intend to run a dentistry

The career paths & workplaces

If you have the qualifications and you’re confident you possess the right skills, it’s now time to find your dream job. There are many different career paths you can go down, involving either being a general dentist, a specialist dentist or a cosmetic dentist. You may even choose to pursue an academic career in the dentistry field after you graduate.

Whatever you pick, you will be able to work in one or several of the following workplaces:

Dental practice

Here, you’ll work as an assistant or self-employed associate at either an NHS or private dentistry. Dental practices range from a single practitioner to multi-site partnerships with numerous associates.

NHS hospital trust

Here you’ll be a salaried dentist specialising in a particular area of dentistry.

Community dental service

Other salaried dentists within the NHS will work in a range of clinical settings, such as health authority surgeries, mobile clinics and residential homes.

The armed forces

Those employed by the armed forces will work at Royal Air Force, Royal Army and Royal Navy locations across the UK and overseas.

5 Ways to Manage Your Money You Should Learn Before You’re 30

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The upcoming thirtieth birthday can be a great opportunity to put your finances in order. By applying a few simple rules, you can reduce your costs and significantly improve the condition of your wallet.

Mastering the art of money management takes a lot of time and a lot of patience. You don’t learn this skill overnight—some people take almost a lifetime to learn how to manage their budget.

And while you feel young and invincible by your 30s, the truth is that you are approaching retirement age. Thus, the sooner you learn how to manage your money, the better your financial position will be in the long run. Here are five basic financial rules you’ll need in your 30s.

1. Keep track of your budget

Many people in their 20s are vague about budgeting and track their expenses primarily through mobile apps.

However, the truth is that few manage to fit into a predetermined financial framework. The age of thirty is definitely the time to check what we spend every ruble on.

The main purpose of budgeting is to know what you are spending your money on. With this knowledge, you will be able to make more informed financial decisions. You can read more about this in books about financial literacy.

It is worth remembering that small expenses together grow together into large amounts. There is nothing wrong with spending money on interesting purchases or travel, as long as it does not violate the previously developed budget and does not harm the goals for which we are saving.

2. Save 10-20 percent of your salary

Another rule to keep in mind as you enter your third decade of life is the one recommended by most financial advisors.

When you receive your paycheck at the beginning of the month, you should know not only how much money will be spent on your fixed and variable expenses, but, above all, how much of your paycheck you are going to save.

The general rule is to set aside 20 percent of your monthly income. If you can’t save as much of your income as possible, try to save at least a tenth of your monthly salary.

3. Set realistic financial goals.

Try to calmly think about your financial goals. Consider when you would like to reach them. Write them down on a piece of paper and think about how you are going to achieve them and where you will get the money for them.

Making a list of your financial plans and developing a strategy to achieve them will make it much easier to succeed in this area.

Take, for example, holidays in warm countries. Don’t just dream, but act on it. Find out how much this trip will cost you. This will allow you to calculate how much you need to set aside every month to visit a sunny place.

The right financial strategy and the discipline of savings can get you on the vacation of your life in a year or two.

4. Manage your debts

Many people over 30 consider debt as part of their daily lives. For people paying down installments, mortgages, or credit card debt, settling financial obligations becomes a way of life. You may even find that you consider debt to be the normal state of affairs.

The truth is, you don’t have to pay your debts for the rest of your life. Assess the ratio of your debts to your financial resources. Create a budget with the primary goal of avoiding further debt.

There are many ways to reduce your financial obligations. One of the most motivating strategies is the snowball effect. Prepare a statement of your debts, from smallest to largest (excluding interest). Allocate the largest amount to pay off debt with the smallest value, while larger obligations must be paid off with minimal payments.

Paying off debt will have a significant impact on your personal finances. This will allow you more flexibility in your budget and allow you to increase your savings.

5. Create an emergency fund

If you don’t have a rainy day fund, it’s possible that you’ll have to cover unexpected expenses with your savings or credit card.

Plan to save big enough to prepare for an emergency. I recommend doing this: first, set aside three of your monthly salaries, and then six. How to do it and why? This can be done if you save 10-20% of your salary for a while. A “rainy day” fund is needed for unforeseen circumstances, for example: you were fired from work, you became incapacitated (you broke your leg, arm, fell ill with something), your wife fell ill, your children or you, your house burned down, etc. etc. There are many situations, but you need to live on somehow. Your savings will help you with this, they will help you survive unforeseen events that eat up your wallet.

Money site on WordPress

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Making money on your website or blog is one of the most reliable ways to make money on the Internet. Creating websites has become so simple that almost anyone can handle this task.

The simplest and most understandable platform for creating your own resource on the Internet is WordPress. To become a happy owner of your own website, it is enough to purchase hosting and a domain.

Each resource on the Internet has its own hosting and domain. Hosting is the place where site files are located. Domain – the name of the resource that is displayed in the search bar. When choosing a domain and hosting, you need to be careful to get the best conditions.

It is better to purchase hosting on trusted resources that have been around for years and value their reputation. Although the prices will be more expensive than those of little-known resources. It is desirable to pay at once for a year. In this case, you can get a good discount, and sometimes a second-level domain as a gift. Depending on the tariff, the annual payment for hosting will cost from 1500 to 3500 rubles.

The cost of a domain depends on the domain zone. The more prestigious it is, the higher the price. If the resource is designed only for the Russian-speaking audience, then you can get by with a domain in the RU zone. Domains in this zone are quite cheap. And the domain can be purchased here at a price of 39 to 500 rubles. A domain in other zones can cost several thousand rubles.

When registering a domain, you need to pay attention to the cost of renewal. The initial price can be low, and the renewal cost is several times higher. For example, on Jino hosting, they offer to buy a domain for only 39 rubles, but the renewal will cost from 500 rubles.

It is better to take domains with a fixed price. For example, a domain in the RU zone can be found at some registrars for 200 rubles, and the cost of renewal will also be 200 rubles. This will help you avoid unnecessary expenses.

Until the site is profitable, you should not invest a lot of money in it. After all, it may happen that the idea is not crowned with success and the money will be thrown to the wind.

Many hosting companies have a free trial period. If desired, you can find a trial period of up to three months. This will allow you to thoroughly test the hosting. Before paying, you need to carefully study the reviews in order to be aware of possible hosting problems and choose the best option for hosting your own resource.

Most hosting providers provide a one-click installation of WordPress or Joomla. Each hosting has training materials for beginners. But if something is not clear, then you can watch the lessons on YouTube or contact technical support.

After installing WordPress, you will receive an email containing the username and password for the admin panel. By entering this panel, you can access the management of the created site.

The first step is to remove unnecessary plugins and entries. Then you should choose a theme for your resource, configure the available options and start filling content.

To quickly start earning income from the site, you need to use affiliate programs. With low attendance, it makes no sense to place ads from Yandex and Google. There will be no income from it or it will be scanty. But affiliate programs can be profitable, even with low attendance.

Consider the example of courses on earnings. But in a similar way, you can get traffic to other affiliate programs.

First you need to register in affiliate programs for the sale of courses. The leader in this field is Glopart. The site is distinguished by its popularity, simplicity, honest payments without cheating. On it you can find educational materials on any topic, but training for earnings is best sold. Also, there are other sites for the sale of courses, they can be found through the search.

It is recommended to start with Glopart. The main advantage of this site is high affiliate deductions. Here you can get up to 80% from the sale of affiliate products. But on average they pay 30 – 50% from one sale, which is a good result.

Depending on the cost of the goods, you can get from 100 to 10,000 rubles from one sale. There are goods and worth 100,000 thousand rubles. Naturally, deductions from them will also be high. But expensive goods are quite difficult to sell. Best of all, goods worth up to 2000 rubles are sold.

Despite the huge number of forums posting these courses, a large percentage of people buy them from the author. This is much more profitable, since in this case you can count on help and support.

To sell any affiliate product, you need to learn how to attract traffic. Interested people who will buy these learning materials. That’s what your own website is for.

With the help of articles tailored to key queries, the site collects traffic and redirects it to affiliate links. One example is the site zarabotokdoma-biznes.ru. It looks unsightly, but it brings traffic and sales to the author. The author of this resource simply takes information from the selling website of the product andand writes articles based on it. At the end of the article, he indicates his affiliate link to the product. For each sale through such a link, he receives a profit.

You can do the same, but a better option would be to give people useful information and unobtrusively advertise the course. You can find hundreds of online earning channels on YouTube. It is enough to copy a video with useful information from them and place it on your resource.

The description can be taken from under the video itself. And then write that for faster results, you can use a good earning rate. Indicate the name of the course and leave an affiliate link to it.

On Glopart, you can make an advertising widget and embed it on your website. Popular courses will be displayed in this widget. Links in the widget are also affiliate links. For each sale through the widget, the site owner is also rewarded.

But the question arises, where to get the first traffic to the site. Articles are posted, but people are not. In order for the resource to be indexed faster and articles to be shown in the search, you need to give a signal to search engines. To do this, enter the query in the search engine: “Exchange of visits”. There are many such resources. The meaning here is as simple as possible, you should watch other people’s sites, and in return get views on your own resource.

Everything happens safely, viewings are carried out by living people. There are no risks. If you use several similar sites at once and do this for 3-6 months, you can get a constant increase in visitors without any investment.

Search algorithms see that the site is visited by real people immediately after creation and conclude that the site is interesting to people. And if it is interesting, then it needs to be indexed faster so that more people can see it. Also, it is recommended to connect the resource to Yandex Zen. This will speed up indexing and contribute to audience growth.

Do not forget about forums, other people’s blogs, social networks, you can also get free traffic from them. After the resource is firmly established in the search results, expensive search traffic will go in large numbers. But for this you need to use keywords in the titles of articles, you can pick them up on the WordStat service.

It is desirable to post at least 3 articles per day. The more articles on the site, the more articles in the search results, and therefore more search traffic.

Articles can be written independently or ordered on special text exchanges.

Having gained the skills to create a blog on WordPress, you can provide services for creating sites on this platform. Thus, getting additional profit.

How Comparison Websites are Better than Pure Luck

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It’s difficult to navigate the industry of online casinos in India, even for experienced players. There are so many on offer that choosing one without any research can pretty much be as random as the games themselves. So what is the best way to select the best online casino in India?

It doesn’t have to be a stressful experience comparing every last detail between online casinos hoping you’ve found a fair, safe, and all-round amazing site. In this article we’ll cover tips to help you find the right online casino for you.

Decide what you are looking for!

Are you eager to be immersed in the world of live dealer casino games? Are you hoping to hit a huge progressive jackpot prize? Or perhaps you want to find an online casino that works flawlessly on your smartphone when you’re out and about?

These are all valid preferences and to be honest, it would be almost impossible to find just ONE online casino that can do it all perfectly. That’s why before your search, you should decide what features are important for you, to really know what your non-negotiable features are and what features are not essential. Knowing this before your search means you’ll be able to find a great casino much quicker and easier.

If you’re still not quite sure what you want, or just looking for more information, we have you covered. We’ll include some of the key points that separate the outstanding casinos from the ordinary.

Can I trust casino comparison websites?

Absolutely! Make sure to find a site with a good reputation with reviewing and comparing online casinos. Finding a casino review site like Casinos-India will help you put your mind at ease, allowing you to easily compare all the important areas of a casino. You’ll be able to find features such as games, payment methods, bonus information, user ratings, and license and registration information. In addition to special features that each casino excels in. Exactly what you need to find a casino that meets your preferences perfectly!

What’s the deal with an online casino being licensed and regulated?

There is a way to prove an online casino is operating fairly and securely. Online casinos are regulated through different regulatory bodies where all online casinos carrying that license are adhering to strict rules to ensure all the casinos are regulated to the same high standard.

For example, with the Malta Gaming Authority, any online casino that wants a license from this organisation must abide by certain objectives such as carrying out business in the interest of the public, ensure that the gaming is free from crime, ensure minors and vulnerable individuals are safeguarded, and all gaming is conducted in a transparent, safe, and fair manner.

The Malta Gaming Authority and the UK Gambling Commission are both known in the online gambling industry to be some of the strictest regulatory bodies around. If you find an online casino with an approved license from one -or both! – of these regulatory bodies, it can certainly be one you can trust.

What security should an online casino have?

It’s obvious that all licensed online casinos must operate under strict regulations, however it can sometimes pay off to double check the methods an online casino implements to ensure safety and security on their website yourself. After all, hackers want to target online casinos for obvious reasons, so when depositing any money to an online casino, you want to make sure nothing will happen to it.

Due to lots of sensitive personal information of players and a large amount of banking details, an online casino needs to be encrypted to give players peace of mind while using the site. Look out for an up-to-date SSL certification. This digital encryption technology creates a secure link between players and the online casino, meaning no one can steal your information.

A quick way to look out to see if an online casino is encrypted is by checking to see if there is a picture of a small padlock in the toolbar. This will let you know a site is secure at a glance, or perhaps if the homepage doesn’t have a padlock but the banking interface does, you’ll know that you’ll be protected.

Variety of games

Of course, the feature many players are interested in are the variety of games available at an online casino. Some online casinos may focus more on slots, some may be leading in progressive jackpots, while some excel in live dealer casino games.

While it’s nice to find a casino that focuses on one variety of game and does it well, the best online casinos in India will at least offer some middle ground to ensure there is something for everyone. It’s nice to not limit yourself with only a few types of games. In addition, many online casinos have the option to play demo games on their site. Not only does this let players get comfortable with a game before playing for real money, it’s also a great opportunity to venture out into something new. You never know – you might find a new favourite variety of game!

Bonuses and promotions

Promotions and online casinos go hand in hand. It is unusual nowadays to see an online casino without an exciting and generous welcome bonus to attract new players. While it’s possible to get fixated on this one detail comparing each online casino’s welcome bonus, it’s important to look beyond these too. The best online casinos want to keep existing players happy as well, not just the new players joining.

In addition, keep on the lookout for the conditions attached to any bonuses and promotions. While they can often be overlooked, they give crucial information about conditions like the wagering requirements, time limits for the offer, and withdrawal options connected to the offer.

It’s entirely possible to find amazing bonuses and promotions on an online casino only to find they have ridiculously high wagering requirements requiring players to wager an unbelievably high amount of money, so don’t be caught out!  

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