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Successful Investor’s Profile: Pavel Eduardovich Melnikov

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The entrepreneur is mainly known in Russia and all over the world as the founder of Vesta LLC, one of the largest Russian companies importing sanitary engineering and its components. But he also owns several subsidiaries, and Valtecб the separate sanitary products brand which includes a full production cycle and quality control testing lab.

Pavel Eduardovich Melnikov registered in Russian state-owned organization ROSPATENT over 100 patents; at least two branches of his business empire consistently remain the absolute leaders in commodity turnover over the last few decades. But how exactly did he manage to reach such success, especially in a very specific area of sanitary engineering producing and sailing?

The beginning of his life and business path

Pavel Melnikov was born in St. Petersburg (former Leningrad city) on August 7, 1964, and graduated with honors from the Leningrad Electrotechnical College in 1983, where he got a specialty on electrical equipment for industrial enterprises and units. After two years of compulsory military service, he entered the Leningrad Mechanical Institute (now it is called the Baltic State Technical University «VOENMEH» named after D.F. Ustinov) specializing in the radio-electronic devices, and graduated from there with honors degree too in 1989.

His first job was the position of computing machines electrician at Burevestnik Research and Production Enterprise. Then he was a dispatcher in a house-building industrial company in his hometown. During this period, Melnikov at first came up with idea to go into the private business in plumbing repair sector. That’s how Vesta LLC was born. Later, he opened Dedal Company JSC, an even bigger company with the same specialization.

But the real success came to Pavel Eduardovich Melnikov only after creating the Valtec trademark, as it was almost completely based on his own innovations and inventions. This brand brilliantly coped with the task of reconciling the peculiarities of sanitary engineering products made abroad with domestic conditions of their use.

Pavel Eduardovich Melnikov and His biggest victories

One of Melnikov’s companies, NovaTerm LLC was created to adjust communications between his local business and Italian manufacturers of heating equipment that he supplied to the Russian market. Over time, it has grown to one of the largest importers of sanitary products from around the world to the Russian Federation. Now, his business is represented throughout Russia, especially in St. Petersburg (which is naturally) and Moscow regions (that’s a new field he won from competitors).

All the products his companies produce are properly licensed and tested for quality in Melnikov’s own testing lab. He makes regular and generous investment in commercial real estate building in St. Petersburg. Plus, he actively develops completely new for his business empire production sites in Serbia, not to mention his participation in operation and development of several plants in China producing sanitary engineering products and components.

5 Tips for Creating a Secure Business Website

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There are few things that can affect your brand as much as dealing with a major security breach. Having to contact your clients to inform them that their information has been compromised will be all it takes for them to decide not to work with you. You may also be open to lawsuits, which is why having a secure website should be a priority and something you always pay attention to. Let’s take a look at a few ways that you can make your business website as secure as possible.

Choose the Right Platform

If this is an eCommerce website, the platform you choose will make a big difference. Sure, you can always use WordPress, but it isn’t the best option if you want to handle transactions and customer information safely. If you want to sell products, then use an eCommerce platform. Also, make sure that it has a solid reputation for security. Magento and Shopify are two of the best in that category, so if you were looking for a safe and stable platform, you should give both of these a try.

Find Safe Web Hosting

If you want to self-host your website, you have to make sure that the host you pick offers good security. Don’t make the mistake of going for the absolute cheapest option. You want to go with a hosting service that can protect their servers from attacks. Also, look for those who offer additional perks like SSL encryption.

Having SSL will ensure that the connection between your customers’ devices and your website is secure. This is essential for transactional sites, but all websites can benefit from using it, as it can protect your site from data theft and make it less vulnerable to viruses.

Have a Clear Privacy Policy

You need to make sure that you handle your customers’ information correctly and that you have a clear privacy policy on your website. You don’t have to pay someone to create one for you, however. There are many privacy policy generators that you can use. Find a great one for your business, and you could have a perfect privacy policy for your website in minutes.

Be Careful with Passwords

You also have to make sure that you use your passwords wisely and that they’re secure. This is especially important to those of you who are using WordPress due to its one-tiered identification system. 

Hackers use software that can analyze thousands of different password variations in seconds, so don’t make things easy for them. You want to make sure that your passwords are at least 12 characters long and include one number and a symbol. You can use symbols to mimic letters; for example, you could use @ instead of A or a hashtag instead of an H. Make sure that you change your password for every account and database. You don’t want hackers to be able to access everything with just one cracked password.

Be Careful with Plugins

This is again very important for those who will be using WordPress. Add-ons are one of the most common entryways through which hackers or malicious programs can attack your website. So, before you use a plugin, you have to do your research.

Check what people have had to say about it, as well as the number of downloads and the reviews. You should also pay special attention to when was the last time it was updated. If a site has been neglected for a while, this may be a sign that some vulnerabilities haven’t been patched. And you better believe that someone will take advantage of this if given a chance. So, make sure that your plugins are current and updated often.

As you can see, securing your website doesn’t have to be so complicated after all. Making sure that you host it correctly and take the steps to make sure that your customers’ data is protected are the most important steps, but you have to regularly monitor your website and make adjustments so you can constantly improve its security.

The Greatest Challenges For Agriculture For 2021

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The Food Chain Law and the elaboration of a Strategic Plan of the CAP for the distribution of the 47,000 million euros corresponding to the next seven years, constitute the priority objectives of the Ministry of Agriculture for the just begun 2021.

Regarding the Food Chain Law, which prohibits new unfair commercial practices that have a negative impact on prices for farmers and ranchers, a first measure has been to increase the budget.

Thus, the Agency for Information and Control, AICA will have 30% more resources up to 8.26 million. It is an acceptable figure for agricultural organizations if it is intended to increase the means of inspection and reaches all sectors.

Among the new requirements is, since February, the control of the sale prices of a product at source and throughout the chain, which must cover at least production costs. A new legal text is currently being finalized in Parliament to transpose the Community directive on commercial practices.

Despite its mandatory nature, the reality is that in key sectors such as milk, oil, fruit and vegetables or grapes, contracts have been made in the public light below production costs, which has led to complaints from agricultural organizations.

From the Agency, in recent months controls have been carried out on cost prices only in the face of complaints made from an operator. However, no ex officio inspections have been carried out, something that will be done throughout 2021.

With regard to the Strategic Plan, in the last year initial discussions have been carried out with agricultural organizations and the Autonomous Communities to define the criteria on how to distribute the 47,000 million, a figure equal to that of the previous period if it is not discounted inflation.

The project must be completed in the first half of the year, for its presentation in Brussels and for it to be definitively approved in 2022.

There is an almost unanimous agreement between all parties on the need to go to a redistribution of funds to support professionals in the activity, genuine farmers, as well as small and medium-sized farms, with the ceiling of 100,000 euros per petitioner and apply cuts from 60,000 euros.

Why a Garden Office Is Perfect During COVID-19

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A garden office could be a great investment during COVID-19 and here are the reasons why.

More Freedom

With a garden office, you get the freedom to work the hours you want, and you don’t have to commute to work – minus the small walk across the garden. What’s more, our team can provide you with all the plumbing and electrics you will need to ensure that your office is fully prepared to handle company operations. You also have the option of adding your own preferred furniture and some personal touches to make it more appealing and comfortable.

There is no telling when the pandemic will come to an end, and what its long-term effects on public health will be. Many experts are hinting at homeworking becoming the new normal as teams all over the country quickly adapt to connecting via Zoom meetings and scheduling their working hours to fit their domestic and childcare duties.

There is no better time than now to seriously consider setting up a home office in your back garden. One amazing thing about our buildings is that they don’t require a large space to fit. Even in the smallest of garden spaces, a small garden office pod such as our in-demand Mini office allows you to create your own comfortable and stylish office space. If you’re interested then check out https://www.quick-garden.co.uk/

Expert Tips for Working at Home

For those that don’t have enough space to set up an outdoor office, don’t fret, the following are some tips on how to work from home while maintaining your health and sanity:

Establish a routine: You will most probably be expected to work normal working hours unless you run your business. Simply because you no longer have to deal with the long commutes in the morning doesn’t mean that you should start going to bed late. Set your alarm, get enough rest, and give yourself ample time to prepare for work. Ensure that you know when regular meetings and catch-ups are scheduled. Add them to your calendar. They can easily slip your mind considering that they are all virtual now and there are no colleagues physically mobilizing to meeting rooms.                 

Take Regular Breaks: It is crucial to stay fit and healthy during this time. Even though you may not be physically around your colleagues to chat and interact with, it is still essential that you take some time away from your desk every once in a while. Ensure that you move about and stretch regularly to give your body some exercise. It is also important that you keep in touch with colleagues and friends by making and receiving calls, or chatting on FaceTime or social media. If you fail to keep socializing, it can be easy to become socially isolated while working at home.

Establish your own working space: You need to designate a particular place as your workspace to tell yourself and others in your household that that is where you work and you shouldn’t be disturbed. Consider a separate and self-contained space, even if it is under the stairs. It is not wise to use the sofa in your living room as your office in case it is the same place where the kids do their homework and watch TV. When you have a clearly-defined workspace,  you can close it and leave it at the end of the working day or when taking a break, same as with a traditional office. It is important to establish boundaries if you want your homeworking to be productive.

Get your tech sorted: When working at home, especially during a pandemic, there is likely to be increased demand on your phone and internet connection. The last thing you want is to lose your signal during a phone call or get dropped from a teleconference due to an unstable internet connection. Consider requesting your employer to help you with equipment such as Wi-Fi boosters and laptops. Find out if there are any special security requirements that you should know about, for example, your employer’s VPN.

Maintain Professionalism: Simply because you aren’t working in a formal office setting, it doesn’t mean that you should stay in your pajamas all day and forget about your hair. It is important to prepare yourself psychologically for work; have a work mindset. Dress as you would when heading to the office during normal times. Remember that you will most likely spend time on video conferences. You definitely want the people you are engaging with to take you seriously as a professional.

Make your office look appealing: In case you are planning to be working from home, your productivity and motivation levels will be elevated when you have a nice-looking office. And bear in mind that colleagues will be able to see part of your office when on video calls. Thus, try to make your office look as appealing as you can.

Remember to eat but don’t binge-eat: There are two types of people working at home. The first type of people is those that become so preoccupied with work that they forget to eat/drink. This often leads to irritability, dehydration, headaches, and reduced concentration. The second type of people are those that wake up, start work but can’t help themselves from snacking – anything to divert their attention from work. Both types of behaviors are incredibly unhealthy. Having a good breakfast before work is vital. You should make a habit of preparing your lunch the night before to avoid having to make it during the day. If you have to snack, consider some healthy snacks. You should also keep a big bottle of water by you while working.

Utilize safe equipment: While you may be tempted to sit in an armchair and work with your laptop on your knees, this may be detrimental to your body. Consider asking your employer for help getting a good quality desk and chair to avoid the risk of injury. It is important to maintain a good posture while working to prevent upper limb disorders.

Make the most of your time: One great advantage of working from home is that it helps free up a lot of time. This is because it eliminates the long commute, you attend fewer meetings, and there are minimal distractions and interruptions from colleagues. Use this time to work more intensively and efficiently, get most of the work done, and become the best worker you can.

Major Technology Trends to Watch Out for in 2021

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Many people are turning their attention to AI as the technology is expected to flourish in 2021.

At the beginning of every year, people begin to think about what the next 12 fresh months could have in store for society. Especially when it comes to the IT industry, the giant sector is full of development and innovation, that’s worth paying attention to. Let’s take a look at the major tech trends to keep an eye on as we start a highly anticipated new year, 2021.

Machine Learning and Artificial Intelligence

Although AI is not a new technology and has been in development for quite some time, this year specifically is expected to present entirely fresh ways of revolutionising various sectors, including healthcare. Factors such as advanced data collection will heavily benefit hospitals across the world as these smart machines continue to learn tailored algorithms that will help speed up healthcare processes. As the technology continues to forge ahead, AI may also be able to personally select medicine for patients based on data concerning each person’s care plan and needs.

As far as the business world is concerned, 2021 will see a shift in more companies investing their time and money into understanding and developing the technology for use within their systems. Since people are occupying the online sphere now more than ever, whether that be while working from home or E-learning, AI will continue to analyze digital behavior in a more sophisticated way.

Caption: Thanks to 5G technology, browsing the internet, playing games, or paying bills online is faster than ever before

The rise of 5G and the possibility of 6G planning

Currently, many telecommunication companies throughout the world are already operating on a 5G network. The mobile service that was first introduced in April of 2019 has quickly revolutionized the way society interacts with the internet. More and more carriers are beginning to offer 5G to their customers as its predecessors, 3G and 4G, become a thing of the past.

Because 5G is capable of performing at such a high level, delivering search and load speeds up to 20 times faster than previous networks, users are seeking it out as a first option. This is because now, more than ever, people are looking for digital entertainment outlets whether that be in the form of online casinos, first-person shooter games, movie streaming services, and much more.

For example, with the help of 5G, engaging in a multi or single-player live roulette session in the virtual realm or watching your favorite series or film on Netflix is not only extremely secure and accessible, but also efficient and quick as lightning. This high-quality, real-time access is completely invaluable for users in the modern day as live streaming and video content become predominant around the globe.

In fact, 5G has not only enhanced internet speeds but also allowed for Augmented and Virtual Reality to thrive. In addition, cloud-based gaming services such as Google Stadia and Nvidia GeForce Now are given a platform to grow rapidly with the help of 5G. So just what should society expect as connectivity continues to expand? Although South Korea, the U.S., and China contain the most 5G network development and offerings, the service is set to expand further in 2021 and the coming years with 5G reaching an estimated 65% of the global population in the next five years.

6G is also an exciting possibility for the future and definitely something to keep an eye on this year. Experts in the industry have predicted the sixth-generation network will appear sometime in the latter part of the decade, but that the planning process for it may take shape in 2021. One thing is for sure: users are benefiting from these technological advancements, whether that be for professional purposes like work or leisure reasons like gaming.

Cloud Computing and Gaming

Information stored within “the cloud” is commonplace nowadays. Accessing your email from any device may seem like it was always very easy, but before big cloud points like Google and Microsoft, the task wasn’t so simple. In 2021, we’ll see heavy reliance on cloud computing for businesses that wish to further incorporate a data centered lifecycle management system. AI will partner with these companies to ensure more and more people are adequately trained in working with cloud computing.

When it comes to gaming, cloud computing is also benefiting the industry and its users in a big way. Nowadays, both Google and Microsoft each have their own cloud gaming system and have proven to uncomplicate many situations that users face during gameplay. This digitalisation of information both in the business and leisure is invaluable for society and because of this, the cloud is expected to transform each industry even more in the coming year.

Concerted Effort by UK Online Casinos to Address Problem Gambling

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With recent events causing many people to stay at home, there has been something of a concerted effort by all UK based gambling companies to actively promote their responsible gambling tools, and in turn doing something positive to address problem gambling. In UK there is the GamStop scheme that helped many players give up gambling.

The main problem with the GamStop service is that it is only offered to UK licensed casino and gambling sites, and as such those sites that are located elsewhere outside of UK Gambling Commission jurisdiction are not required to become part of that scheme.

Therefore, it will be worth your time and effort looking for websites that offer information about available non GamStop casino sites, and then spending as much time as is needed self-excluding yourself from each of those sites.

In fact, you only have to look at some of the advertisements on TV to see just how they are going about doing just that. Instead of showing slot machine reels and Roulette wheels spinning, and Dealers dealing out playing cards on those adverts, they are showcasing their responsible gambling settings that customers can make use of.

They include things such as being able to set a deposit limit, putting in place a loss limit and even giving players information on how they can use the take a break option if someone wants to stop gambling at such sites for a period of time.

That really is a refreshing change it does have to be said, for there has been something of an increase over the last few months regarding the number of people reporting they are experiencing gambling related problems due to lockdowns and being stuck and home with nothing to do.

Whether those adverts are going to reduce the number of people reporting gambling problems from rising, does of course remaining to be seen, but at least gambling companies are doing something positive to address that ever present problem. 

GamStop Helping Many People Give Up Gambling

There is no getting away from the simple fact that it is extremely easy to gamble online, and if you are one of the many people each day that have finally admitted to yourself that you do have a gambling problem and would like to set about something to address that problem you do have plenty of help and support available to you.

One thing that you should immediately do however, is to ensure that you take all steps necessary to stop gambling online, and one of those steps if to sign up to the GamStop scheme.

What that organisation offers everybody with a gambling problem is a simple self-exclusion register, and by adding your name onto that register your details are then shared with all UK licensed gambling site operators who are then required to close down any accounts you have with them quickly.

Not only that but each of the sites that are part of the scheme, which for reference are all those licensed in the UK are also going to be legally required to block you from opening a real money account with them.

That is a start to your journey to give up gambling of course, but by adding your name on to that register you will at the very least not be tempted to gamble at any sites located and licensed in Great Britain that you may already have an account at or may be tempted to sign up to at a later date, so keep that in mind.

Circumventing the GamStop Self Exclusion Register

Whilst it is true to say that GamStop has helped many UK based gamblers give up gambling via their self-exclusion register, there are ways that many people have managed to circumvent their bans from casino sites, and as such you need to know how they have done so as that will stop you trying to do so if you want to give up gambling.

That way whilst you are recovering from any type of gambling related problem you will never be tempted to sign up to such sites, which sadly is way too easy to do if you have not asked to self-exclude yourself from any of them.

It may take quite some time admittedly contacting each of those casinos individually, but in the long run that time will have been spent effectively as you will then never be permitted to sign up and gamble at any of them at a later date, so please do make sure that is something you set about doing.

Must-Have Digital Tools When Setting Up a Business

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There are so many things to remember when planning anything in life, but this could not be truer when planning to open your own business. From the idea stage through to the grand opening, big and small details must be taken into consideration. For some budding entrepreneurs, they are being faced with the tough dilemma: do they open a business amid another national lockdown or ride the storm and wait until the seas a bit calmer. While the idea of opening a business during the current restrictions might be a business owners’ worst nightmare, we are confident that there are some people out there who are itching to jump at the challenge and to make the most of the lull in the market.

If you are one of these risk-taking, thrill-seeking company owners, you have come to the right place! We have listed below a helpful guide of the must-have digital tools for setting up a business. While there are usually physical tools required for these setting-up processes, in line with current government restrictions regarding lockdown, online tools are the focus for today. Get that pen and notepad ready and read on for more!

Website Hosting and Content

The first and most important aspect of running a business online is much like having a physical business; you need somewhere to base your business from. Having a company website is an excellent place to start and will provide your business with the means to access the online business world proactively and effectively. You cannot promote a business online if there is nothing to show for it! Several different digital tools are available for building websites, with the most common including the likes of WordPress and Squarespace.

Both website designing software come with a variety of customisation tools, allowing you to create a website that reflects your company’s products and services in the way you want them to. While it is crucial to have access to tools that allow the customisation and development of a website, you will also require the means for hosting a website on a server, allowing your website to be produced for the customer upon searching. These are the first steps to launching your business in the online world, which will benefit your growth in the long-term.

Social Media Management

In tandem with launching a website, you will want to ensure that you also have social media accounts set up. Not only does this allow you to extend the reach of your business and its brand, but it provides you with an excellent opportunity for corresponding with customers and a wider audience while building levels of rapport with them. Social media business posts can be both engaging but possess a call-to-action, encouraging the audience to go to your website – which should always be linked on the social media channels – and to purchase or hire the products and services you are providing.

While social media is an excellent and free digital tool, it can often seem time-consuming, especially when planning the posts’ content and the schedule for which they will be posted. This detail might not seem important to some, but it does affect how successful a post is. By using digital tools such as Hootsuite, you can monitor the traffic that is on each social media post, enabling you to alter your schedule to post when your audience is most active. What’s more, you can schedule social media posts in advance, so you won’t need to spend your evenings sorting that out!

Internal, Everyday Use Digital Tools

Microsoft Office is the staple in many businesses worldwide and provides many packages to suit a variety of tasks. While some have grown up using Microsoft, others might be at the beginning of their journey of learning about the ins and outs. Companies far and wide provide personal and professional support when setting up Office and Office 365 for home or business. Regardless of whether you have a large or small company, there are packages out there suitable for you and your business’s needs. Whether you are searching for Office 365 Edinburgh support or Office 365 support in Exeter, there is something out there for you! Texaport is an example of a company that provides Office 365 set up and support to businesses big and small, teaching you and your employees all you need to know about using this helpful digital tool. Perfect for the online, working-from-home environment we are once again faced with, this is a cost-efficient digital tool for your business in the long term and one that is an asset to any company.

Communication and Correspondence

While e-mails are useful for transferring documents and information, there are often times when we wish that we could discuss something face-to-face, rather than in writing. With more people than ever working from home than ever before, usage of Skype, Zoom, and other video calling platforms has increased exponentially. Digital tools like this enable you to communicate with the broader workforce at a click of a button and ensure that inter-department communication levels remain high. Allowing the workforce to stay connected, even while apart, is vital to not only the business but to your employees also. Ensuring that they manage their workloads okay and have adequate support during unprecedented times, such as the present, is paramount as a business owner. Not to mention, these digital tools can also be utilised when wanting to have a social function as a team. Zoom quiz, anyone?

While these digital tools are crucial to everyday working life, they will also be necessary when businesses eventually make it back to the offices. Some companies are considering using working from home more in the future, and therefore, these digital tools will be necessary then just as much as they are now. Investing in these digital tools is sure to pay off in the long term and be cost-efficient too. The work completed as a result of the digital tools being in place is sure to pay off the cost in no time!

Want to Keep Your Best Employees? Here’s How

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In a business world that is becoming increasingly competitive, retaining the best employees is becoming harder. Job hopping is becoming increasingly common, especially as millennials enter the workforce. In understanding that retaining your best employees is key to the long-term success of your business, you need to do everything you can to ensure they do not leave. In this article, we will look at how you can do exactly that.

Hire the Right People

Hiring the right employees for the right position is the first step in ensuring they remain in your business. If people do not feel like they are doing the job they got hired for or signed up for, they may start thinking about leaving.

This is why it is so important to ensure job descriptions are as detailed as possible. Then, businesses should ensure their hiring procedure is thorough enough to ensure the candidates who end up in the advertised positions are perfectly suited for those positions.

Optimise Their Benefits

These days, employee benefits are becoming as important as salary packages when it comes to not only attracting the best employees, but also keeping them. Although some standard benefits apply to all employees, like life and health insurance, a one-size-fits-all approach is likely to backfire on you.

Employees are increasingly looking for benefits that are tailored to them and their needs. A good example is looking at the needs of in-office and remote employees. While remote employees might need support getting the right workstations and equipment, in-office employees might not.

Managing different benefits packages for different employees can be an administrative nightmare, and this is why more businesses are turning to software such as the employee benefits platform from Zest benefits. These platforms are designed to help companies manage employee benefits by not only making it easy to select different benefits for different employees, but also making it easy for employees to see and understand the benefits they get.

Provide a Career Ladder

No one wants to feel stuck and if you do not show employees that there is room for growth and upward mobility, they might start looking for other opportunities. You have to show them that they have a future within the company and how they can make that future a reality.

Offering career development and mentorship opportunities are great ways to keep talented employees. Both of these help them to acquire more skills and show them a path of progress to get from where they are to where they want to go.

Create a Great Work Environment

A poor work environment is one of the top reasons why people move on to other companies. A great work environment makes people feel included as it celebrates diversity. This is perhaps one of the reasons why open and shared workspaces are becoming common in many businesses.

A great work environment also ensures employees enjoy where they work, spending time with fellow employees as well as their work. If you have additional facilities and amenities such as free coffee and snacks, fitness centres for businesses where employees are required to sit for long hours, or a Zen room, going to the office will not feel like a chore for your employees.

Ensure Proper Work-Life Balance

Employees have a life outside work and businesses that understand this have a better chance of retaining their top talent. If your employees need to come to the office early and leave late every day, they will start looking for other opportunities.

With how hard it is becoming to retain good employees due to the popularity of job hopping, businesses have to find ways to ensure it does not happen. Retaining your best employees will take some effort but, if done correctly, the benefits are massive for your business.

Changing careers as a result of COVID-19? 3 jobs you might not have considered

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The pandemic has completely upended the world of work, with the rate of unemployment shooting up as economies go in and out of lockdowns. Even with measures like furlough schemes in place, swathes of people have been left in an uncertain position when it comes to job security. According to the UN, worldwide working hours fell by 14% in the second quarter of 2020 alone, equivalent to a loss of 400 million full-time jobs.

However, despite all of this, there are actually some career paths that are thriving during these uncertain times. So, if COVID-19 has forced an occupation change due to a lack of opportunities in your current sector, here are three jobs you should be considering.

1.    Developer

One of the safest bets in the current climate is to learn how to code, as the demand for developers remains high, regardless of the pandemic. “Coding skills are still a job market safe haven,” Romain Paillard, cofounder of coding bootcamp organiser Le Wagon, told Sifted. “I think tech companies in the current crisis are going to focus on improving the quality of their product — that’s going to boost the importance of developers even more.” And this bears out in reality, with two times as many developer vacancies as job seekers in the first quarter of 2020. With so many online courses out there, it’s possible to learn coding within just three months, while you may be able to teach yourself in only six. As such, getting on the developer career ladder can be unexpectedly simple to do, and tends to pay well too.

When deciding which sector to work in after you’ve skilled up, a SAP-based business could be a sensible move. The German cloud software is involved in 77% of all worldwide business transactions, and demand for developers with SAP expertise continues to rise. According to tech careers website Dice, the occupation has the highest projected growth of job listings requiring SAP skills. Consequently, you’re more than likely to find a role within the industry, and there are many specialist SAP recruitment agencies to help jobseekers with their search.

2.    Data analyst

Another job seemingly immune to the effects of the coronavirus crisis is data analyst. Research by Burtch Works and International Institute for Analytics has found that 42.1% of data analysts have felt no negative impacts in terms of layoffs or furloughs because of the pandemic. A further 7.6% reported an increase in team hiring during COVID-19, and 67.7% of respondents were positive about their professional situation generally. This boils down to the fact that “45% of organisations are keeping analytics front and centre” of their operations, this being key to navigating the crisis. So, if you’re good with numbers, becoming a data analyst could be a solid career choice.

Although many entry-level vacancies will require a degree in mathematics, statistics, or economics, certain skills will help you land a data analyst role regardless. These include proficiency in popular programming languages like R, Python or C++, the ability to manage and manipulate data, and experience in using software like Excel. There are also many online data analysis courses available that can give you the know-how you need. In terms of the best industry to work in as a data analyst, hackr.io lists market research, financial and sales companies as some where the demand for these skills are highest.

3.    Healthcare worker

With the World Health Organization’s State of the World’s Nursing report revealing that there was a global shortage of just under six million nurses even before the pandemic was declared, there were already plenty of opportunities available in the healthcare industry. This situation has naturally worsened over the last twelve months, as healthcare systems buckled under the strain of increased admissions. For example, there are now around 40,000 nursing vacancies in the UK, while a fifth of US hospitals are short on staff, meaning you’ll find more openings than ever in the sector. Working in the healthcare industry also has many broader benefits, including career progression, the chance to do good and help people every single day, and generous pay and benefits, particularly within the private sector. One option is being a travelling nurse in New York!

Although you would need to undergo extensive education and training to take up certain healthcare roles, like a registered nurse, surgeon or pediatrician, many have very few requirements at all. These include jobs such as healthcare assistants, medical assistants and home health aides. As such, you can start a healthcare career pretty quickly, and work your way up in no time.

When the Debt Collector Comes Knocking: What to do Next

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If you are expecting a visit from a debt collector, then you’ll no doubt be wondering what your next steps should be. To find out more, read on…

If you are struggling with debt, your creditors will likely use a number of different methods to make sure you pay your bills. One such method could be to send a debt collector to visit you in person.

The prospect of receiving a visit from a debt collector is understandably daunting. After all, it may evoke thoughts of worst-case scenarios, where your possessions are taken away from you without your permission.

A debt collector’s job is to recover debts and assets, but they do not have special legal powers to do so. That being said, if you are in debt, it’s best to make appropriate arrangements with them before further action is taken. To learn more about what will happen when you’re visited by a debt collector and what you should do, keep reading…

Why Might You Receive a Visit from a Debt Collector?

If you are in debt, your creditor will employ a number of different tactics to make sure that you repay what you owe. This will most likely start with formal letters or phone calls but, if these are ignored or there is no sign that the debts are being repaid, they may decide to send a debt collector to your home.

Debt collectors may directly work for your creditor or they may work for a third-party debt collection agency. It’s important to note that debt collectors are separate from bailiffs, who work for the court and have the power to repossess your home or belongings.

What Will a Debt Collector Do?

A debt collector’s job will be to visit you in person so that they can discuss your debt and make payment arrangements to ensure that it’s paid off. They can also arrange for the debt to be paid directly to them.

The majority of debt collectors are members of trade bodies such as the Credit Services Association, which means they are held to certain standards. This means, whether they are working for the creditor or an agency, they do not have any special legal powers to claim the debt.

So, they cannot force their way into your home to claim any of your possessions. They also won’t be able to visit you at work, cause any sort of disturbance, or speak to neighbours about your debt.

While debt collectors cannot pursue your debt beyond verbal and written requests, they will be able to take legal action against you if you aren’t seen to be making an effort to repay it. This could involve applying for a County Court Judgement (CCJ).

Failure to pay a CCJ could then lead to bailiff action – something that you should always look to avoid at every opportunity.

What Should You Do When a Debt Collector Visits Your Home?

If a debt collector visits you at your home, don’t panic! Here’s a quick list of tips to keep in mind.

1.   Check for Identification

Before you speak to someone who claims to be a debt collector, you’re within your rights to ask to see some identification. All debt collectors should carry some form of ID with them and, if they cannot provide any, you would be well advised not to disclose any sort of sensitive information.

Make sure to also make a note of the debt collector’s name so you can refer back to it in the future. What’s more, if you do make payments on the doorstep, request a receipt for proof of payment.

2.   Be as Forthcoming and Cooperative as Possible

If you’re speaking to a debt collector, it’s best to act as cooperatively as possible to ensure that you can come to a positive resolution. Listen to what their suggestions are and see if you can come to a compromise that suits both of you.

Even if you don’t make immediate payments, if you’re seen to be making considered and genuine efforts to repay the debt, it’s much less likely that the debt collector is going to pursue legal action.

3.   Don’t Feel Pressured

That being said, you should never feel as though you’re being pressured into doing anything that you don’t feel comfortable with.

You aren’t obliged to deal with a debt collector in person and, if you feel more comfortable doing so, you can speak to them over the phone or in writing.

What Happens Next?

Once you have been visited by a debt collector, you may be wondering what happens next. Well, as you might expect, this will depend on your individual circumstances, level of debt that is owed and the actions you take during the initial visit.

In some rare cases, you may have the means to pay off your debt in full to the debt collector. Of course, this will mean that you won’t need to have any further correspondence with them.

More realistically, you will be able to work with the debt collector to arrange a future payment schedule. If this payment schedule is honoured, then there will be no need for them to visit you again, or even apply for a CCJ.

Are You Worried About Facing a Visit from a Debt Collector?

Facing a visit from a debt collector might seem like a daunting prospect, but you need to remember that, with some thoughtful cooperation, there’s no need for the situation to escalate. Remember, you are not obliged to take any immediate action if you think you are being forced into making payments against your will.

Have you had any dealings with debt collectors in the past? Or are you facing a visit from one? If you’ve got any further pieces of advice that you think people should be aware of, then feel free to leave a comment below.

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