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3 reasons to delay your Christmas vacation until January

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Because you need winter sun, but all those Christmas presents might have set you back a bit.

 

#1 The flights are cheaper

Flying during the holiday season can rinse your budget quicker than Christmas shopping in Selfridges. However, travelling in January is the solution.

The most expensive time of the year to fly is between the 15th of December and January 1st, whereas flying in January is actually 15 percent cheaper than flying in November, and a massive 23 percent cheaper than flying in December.

 

#2 Hotels are cheaper too

Hotels are the second biggest budget killer on a holiday. But many hotels actually have sales in the New Year, so make sure you keep an eye on holiday vacation deals – which often include hotel deals.

New York is a great example, as they have Hotel Week in January, where they typically offer hotel rates of $100 to $300 per night, when the hotel would normally go for $500 per night.

 

#3 Eating costs less

The other large expenditure on holiday? Eating out. Fear not – most restaurants know that after a month of overindulgence, people don’t want to go out much in January. Which is why most restaurants will offer deals in the New Year, meaning you can eat just as much for a fraction of the price.

If you’re low on cash, make sure you prepare food at the hotel. If you run out of money while you’re there, Vivus can tide you over till you get home.

Christmas energy saving tips for businesses

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‘Tis the season to be jolly, but don’t be one of the UK businesses that waste around £9 million every Christmas by leaving the fairy lights on! No one’s saying you have to be Scrooge, though turning down that office thermostat by just one degree will save money and encourage your staff to get their Christmas jumpers on. However, the festive season can prove energy-costly.

Here are some top tips to make sure that you don’t return to the office after the New Year to a monster headache caused by excessive energy bills.

  1. Switch it off

Standby is a well-known energy hog – equipment could still be using nearly 90% of its normal consumption. Monitors are the worst culprits, accounting for 50% of a computer’s energy use. Remind all staff to switch off before they leave for their Christmas break, but make sure you do a sweep of the office just to make sure, or use simple standby savers that can switch everything off at the click of a remote control. Remember that leaving one computer switched on could produce enough C02 to fill three life-size inflatable Santas!

It’s not only essential equipment that needs to be switched off – don’t forget the non-essential items like kettles, fridges and microwaves. Vending machines can gobble up £120 a year in energy costs. If there are likely to be staff in the building over the Christmas holidays, make sure you leave a kettle for a hot drink and ask politely if it can be unplugged after use.

  1. Avoid a big freeze

Once everyone’s gone home for the holidays, turn down the heating to the bare minimum or change to a frost-free setting to avoid any pipes bursting if there’s a big freeze. This might be a good opportunity to have heating equipment serviced to ensure it’s running at maximum efficiency and take a look at pipe insulation so you can rest assured you won’t have any problems.

If you have any space heaters anywhere in the building, make sure those are unplugged too – otherwise you’ll be burning enough C02 to fill 77 inflatable Santas!

  1. Be water-aware

Now’s the time to check all the plumbing, because those leaky taps can cost money if they’re allowed to drip away all over Christmas. Worst still, if a tap’s left on you could waste a colossal 3,500 litres of water in a week. Invest in a circulation pump so you have hot water on demand and staff don’t leave taps running while they wait for hot water and then forget about them.

  1. Turn off the lights

Are all your office lighting and desk lamps are equipped with energy-saving LED bulbs? If not, do it now and you’ll start making big savings before Christmas. Make sure you have the right bulb for the right fitting and you’ll save even more. And then switch everything off when the last employee leaves for the Christmas break. Lighting the average office overnight uses enough energy to heat water for 1,000 cups of coffee! And you don’t want to choose wasted energy over that first thing in the morning coffee, do you?

If you need to leave lights on for security purposes, make sure they’re on a timer. Timer plugs are cheap and effective, and they save you money on your energy bills.

  1. Goodbye fairy lights

It’s an office tradition: the Christmas jumpers, the Christmas tree, the tinsel and of course the fairy lights – hundreds and hundreds of them. The easy win here is to switch to LED lights, which use 90% less energy than incandescent lights. In fact, if every home and office switched just one set of incandescents for LEDS, we’d save £13 million over the 12 days of Christmas alone!

Putting the lights on a timer plug is a sensible idea when the office is manned, but leaving fairy lights – however pretty they look – lit in the office when there’s no one there is a fire risk. So don’t risk office safety just for the sake of a few twinkly bulbs.

  1. Be energy-efficient all year round

Of course, any of these energy-saving tips could be used in your office all year round, because it pays to be energy-aware at any time of year. And there are some simple things you can do in the New Year to keep those utility bills at a minimum.

  • Keep heating bills to a minimum by turning the heating down in corridors and storerooms that aren’t frequently used.
  • Search out and draught-proof gaps in windows and doors: your employees will be more comfortable and you’ll save on energy bills.
  • Switch lights off when a room is no longer in use, and use lighting appropriately in meeting rooms and at desks.
  • Switch off monitors and make sure all computers use power-saving settings.
  • When equipment needs replacing, opt for the most energy-efficient replacement, from printers to kettles.
  • Investigate alternative energy sources like solar to help your business go off-grid.

So make energy-efficiency your New Year’s resolution. Merry Christmas!

Frugal Football Fans Pair European Away Clashes With Romantic City Breaks

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Britain’s frugal football fans are pairing European away clashes with romantic city breaks to cut costs, new research has revealed.

Almost one in five British football fans will be jetting off for European football clashes with their other half this week. With Spurs away in Monaco, Man City in Germany and Southampton jetting off to Prague, many blokes have seized on the opportunity to book a city break with their partner.

Fifty-two per cent have travelled to a football match with their partner in the past, while 16 per cent have plans to do so in the future. Just half of couples will watch a football match together, however. A quarter of partners would prefer to head out to the shops surrounding the stadium, while a fifth take those ninety minutes to head out and explore the city.

But coaxing a partner to the match is easier said than done. A third have to plan a distraction that their partner will enjoy around the time of the match in order to appease them, while a quarter plan a romantic activity to make it up to their beleaguered beloved.

Spain is the most popular away day for Britain’s loved up couples, while France and Italy also provide a draw.

Ahead of this week’s clashes Expedia has created the ultimate European football away game travel guide for fans looking to take a break, giving a break-down of information on all key European cities.

Shoppers can make a real difference this Black Friday

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The busiest shopping weekend of the year is fast approaching but one online retailer is offering a feel good alternative to Black Friday.

EthicalSuperstore.com has pledged to donate a grocery item to the UK’s busiest food bank for every order over £30.

The site, which offers ethical alternatives to a wide range of household products, is also offering shoppers a 20% discount off everything from Thursday 24 November and until midnight on Monday 28 November.

The retailer hopes to emulate the success of a similar offer it ran last year, when it donated a total of 1576 grocery items, worth more than £1500 to the Newcastle West End food bank – the busiest in the UK.

EthicalSuperstore.com has become an essential resource for Britain’s growing number of ethically and environmentally aware consumers.

Now in it’s tenth year of trading, the site allows shoppers to buy fair trade, organic, and eco-friendly merchandise and currently features over 5,000 products.

For every order over £30 Ethical Superstore will donate products that have been specifically chosen by the food bank, including essentials such as pasta, rice and oats.

The Black Friday offer is an addition to a number of charities which the ethical retailer supports every year.

The Newcastle West End food bank is one of the retailer’s preferred charities and around £10,000 is raised annually to help feed poor families across Tyneside.

Michael Nixon, from Newcastle West End Food Bank, said: “We are the busiest food bank in the country, mainly because of the large areas of poverty we have here in the parts of the West End of Newcastle.

“More than ever people are under intense financial pressure and more people will be using food banks this winter. As the weather turns colder and people face increased heating bills the need will only grow.

“The generosity of the people of Newcastle is amazing so we are encouraging people to give a little this Christmas to help families in need.

“With this generosity and help from businesses like Ethical Superstore with their donation scheme, we want to make sure families are properly fed and don’t have to choose between whether they heat their home or properly feed their family.”

Peter Leatherland at EthicalSuperstore.com, said: “Black Friday has become synonymous with crowds of people clamouring to get discounted technology products at well-known high street stores and supermarkets, but we want to do something a little different.

“Our feel-good Friday provides customers with 20% off products as well as giving something back to the community through donations, helping those families who truly need it.

“We want to raise awareness of food banks, hopefully encouraging our customers to think about others and perhaps donate to their own local food banks and good causes whilst hunting for bargains during Black Friday.”

For more information on the Black Friday offer please visit www.ethicalsuperstore.com/giving-on-black-friday-rather-than-taking/

New array of devices that can help in making your retirement planning easier

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When you plan for retirement, you plan for a secure financial future. You cannot take your finances lightly in your golden years because one misstep could lead to bankruptcy or poverty. If you need assistance with calculating finances or securing investments, you cannot go through the process alone. Have a close look at the following new array of devices. They’re meant to help you create an effective, long-term plan for retirement.

Plan Your Budget with “You Need a Budget”

By the time you retire, it might be a good idea to know what you need to survive on your own. There are unexpected times when your budget reaches an amount that you did notpredict. Then, you must learn how to save and spend money more wisely. Find a budgeting tool that helps you improve money management skills.

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You Need a Budget is an app with videos and tutorials that offer suggestions on good budgeting tips. Import your financial information into one central system that allows you to track years of spending and savings. Saving all your life means nothing if you cannot manage. Use this device on the Web, iPhone, Android, iPad and Apple Watch. Try the free monthly trial and pay $60 after it ends.

Control Your Investments with “Personal Capital”

Investing for retirement is a skill that takes plenty of research and practice to master. You can consult a very expensive consultant to help you, which takes more out of your investments. Another option is to find a good, free investment app online. Personal Capital is used by many retirees to track their investments. The cash flow analyzer allows you to monitor investing habits every day, week and month. For visual-minded people, there is a free retirement planner with easy-to-view charts and graphs.

With the investment checkup tool, know about the investment portfolios you currently have along with the net worth and performance of each one. Before you buy, use the fee analyzer to check the fees of your investment accounts. From fees to updates, the data is given in real time so you get results right now.The free app, designed for Android and iOS phones, has all of the same benefits as the website.Use this Personal Capital tool on your computer, smartphone or tablet.

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Take Good Care of Personal Finances with “Moneydance”

Using a Web-based bank is the most modern way to manage your finances. You need an online banking system where your financial details are secure and you can use the device anywhere. Moneydance makes it easier to control all of your financial transactions manually or automatically. Create graphs and reports to display your information, set up reminders about upcoming transactions and more. Moneydance has simple tools to help you with your personal finances. The device works on Windows, OS X or Linux operating systems. For a limited time, try the free trial and pay $50 after the end date.

Keep Track of Finances with “My Calculators”

Sometimes, all you need is a really good calculator. There is more than the basic, cheap calculator you buy at the store. My Calculators is a free tool for the management of your savings, retirement, investment, 401k or rate and yield plans. Make calculations on the amounts you need to spend and save for each account you have.On their website you have an array of great tools you can use, from loan calculators and rate-yield calculators to retirement and 401 (k) calculators and more. Make your pick and prepare for a relaxing retirement. It’s always best to stay organized if you want to travel someplace nice when you reach 60 or live comfortably without stressing about budgeting.

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Even for elderly people, the newest trend these days is to use apps. You can do almost anything on apps, and that includes budgeting, investing and managing your retirement plan. As a retiree, find financial apps that are easy to understand, straightforward and convenient when you are on the move. Most of the tools are free or affordable, so you can afford a helpful resource for your retirement. Find one or more apps designed to help you take better control of your finances before and after retirement.

How to handle Black Friday like a pro

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Checking the returns policy, doing some digging before you hit the shops and bringing a bargain buddy are some of the top tips on how to make the most of Black Friday.

 

The penny-pinching gurus at PromotionalCodes.org.uk have come up with the best ways to exploit the major discount event.

 

Pointers include tactics on how to tackle the manic shops, like prepping in advance, looking in unexpected areas of the shop and having a tag team system.

 

They also include ways to take advantage of Cyber Monday too, like signing up to retailer websites before the day, so you don’t waste precious time at the checkout.

 

There are also handy reminders on how to avoid temptation over the weekend, so you don’t waste your hard-earned money on purchasing items just because they’re in the sale.

 

They’ve also highlighted the pitfalls stores may get you to fall into, like signing up for special offer store credit cards that cost you more in the long run.

 

Darren Williams from PromotionalCodes.org.uk said: “Black Friday has always been huge in the States, but it’s only in the past few years it’s started to become a big deal in the UK.

 

“Last year there were chaotic scenes at some of the stores, but if you keep your head screwed on there doesn’t have to be pandemonium at the checkouts.

 

“Taking a friend with you is one of the best tips, they can help you find your most sought out treasures and can act as a stabiliser when you need to stop spending money.”

 

Here are the site’s do’s and don’ts for Black Friday.

 

Don’ts

 

  1. Don’t buy just for the sake of it

The price tag might make it seem like an amazing bargain, but do you really need it? And if it’s a present for someone, ask yourself, will they really like it? Just because you’re making a saving doesn’t mean you’re getting your money’s worth.

 

  1. Don’t wait in line for a shopping trolley

Bring large reusable bags to carry your items so you don’t have to make the rookie mistake of queuing for a trolley. If you queue, you could potentially miss out on important things you want to purchase.

 

  1. Don’t assume a good deal is a great deal

Hold off a little longer for Cyber Monday, especially for smaller items as there’s a high chance your item will be even further reduced.

 

  1. Don’t treat it as last chance saloon

Black Friday is a great time to save money but it isn’t the only time of year you can make huge savings. If you can’t get your dream item for the price you want, don’t settle. Wait until January sales or summer discounts.

 

  1. Don’t be fooled into store credit cards

Stores might try and entice you to sign up to their credit card scheme for an extra discount. This is a big no as you’ll still be paying for the items months after and it will encourage you to spend over your budget.

 

  1. Don’t overdo it

Try not to tackle your whole Christmas shopping list in one day. Restrict yourself to purchasing no more than seven items per store, this way you can lift the pressure off yourself a little. Remember, you can always purchase online through Cyber Monday as well.

 

 

Do’s

 

  1. Do check out online and paper ads

Cut out ads from papers and bookmark your favourite sales online to help remind you what you really want.

 

  1. Do pull up apps whilst you’re shopping

Did you know that despite retailers discounting items on Black Friday, there are still places online that are even cheaper? Find the most inexpensive place to buy the item you want before you hit the shops, then compare prices through your phone whilst shopping.

 

  1. Do use coupons and vouchers

Don’t just stop at the store’s discount. When applicable try and use a discount voucher where possible, they’ll be lots available online specifically for the occasion. Also, remember to subscribe to emails from retailers you know you’ll be visiting at least 14 days before Black Friday, so you can keep up to date with their offers and weekend store opening times for the event.

 

  1. Do check the returns policy

Chances are you’ll be buying things in a bit of a rush on Black Friday so make sure you’re familiar with the store’s returns policy in case your product is faulty.

 

  1. Do your research

Make sure you plan ahead so you know exactly what stores you are going to and a rough idea of what you are going to purchase. It is also important to prioritise your shopping list with your ‘must-have’ items at the top. Then plan your trip in a way that gives you the best chance of getting everything you need before stock runs out. It is also important to make note of the store openings as well, because some open earlier than others.

 

  1. Do go for quality not quantity

If a shop is advertising their Black Friday sale as one of the biggest ever with thousands of deals, be cautious. Just because there are a lot of deals, doesn’t mean they are necessarily all good. Stick to good honest savings on products you need to buy.

 

  1. Do take a friend

Black Friday can get a little manic in the stores so take a bargain buddy with you but split up once you get there. Whoever finishes first can head straight to the tills to be on queue patrol, just put your items with your friend’s and pay them back after.

 

  1. Do some digging

The shops are going to be chaotic so if you can’t find your item in it’s usual place don’t panic. Remember to scour every aisle and ask the staff if you still can’t find it.

 

  1. Do get online early

For Cyber Monday that is. Save time by making an account with the retailer before the big day and update all your billing and shipping addresses. That way you can log on and simply press buy without putting any hassle on timed checkout baskets.

 

  1. Do bring cash

If you are worried about being tempted into deals you don’t need then bring your budget in cash and leave the credit cards at home. Don’t ruin your hard work saving by spending more to compensate.  

 

  1. Do use social media

Before you out head out the door, have a quick scroll through your favourite store’s Twitter feed, they may update it with exclusive deals only available on social media. If you are getting deals from supermarkets, follow your local one for updates on how busy the store is and how much stock is left.

 

 

Starting a Business? Here is What You Need to Know

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If people entered into business with the thought they were going to fail, they wouldn’t do it. However, the majority of people do fail. Something trips them up along the way. It can be something that was unforeseen or just a series of catastrophic events. The good news is that this is common for those who eventually succeed. Still, if you don’t want to fail, consider what you’ll need to look for to avoid the pitfalls.

Cash Flow Problems

This is one of the biggest problems for businesses, and unfortunately, it’s hard to foresee global crisis if you’re not up on this information. It’s a good idea to read about things like national debt, inflation, the global market and so on to understand how one aspect affects another, but you are not going to outright forecast everything to come. This is why people recommend that you have money in reserve whenever you start out with a business. Profits help, but any starting business can’t rely solely on this. When you get to the moment you can no longer pay someone for their services, your business is pretty much on its way out. However, for a short-term solution, you can obtain a payday loan to keep things temporarily afloat. It’s not a long-term solution, but it’ll help out with immediate cash flow problems.

Employees Jumping Ship

Employee morale is a big deal. If many employees are happy, it creates a better environment for everyone else. However, once a few employees are upset about conditions, they will quickly leave, and everyone may follow behind. You’ve probably heard the advice that if one person calls you a donkey, you should ignore him, but if two people call you a donkey, you should buy a saddle. When there are problems in the workplace, it’s important to pay attention to how many employees leave. If one leaves, the issue could be with them, but if you have multiple employees leaving, it’s time to start asking what the problem is and how to fix it.

Your Business Fails to Adapt to the World Around It

Different businesses have different products and services, and this isn’t necessarily what makes them fail or succeed. What’s important is how relevant they remain in a changing world. Your business needs to be able to change with the times. Your products and services are important, but there are other issues you need to address. Your business needs to provide the public a way to buy and relate to the company. In the matter of technology, it means providing customers with valuable and usable resources. You need to consider whether you have the latest apps that will help your customers. You need to think about your response time to matters. Top-notch customer service is still important. The market will continually change. If your business cannot meet the needs of the market, it will fail. This requires that you will need to continually keep learning about the world around you and what customers want.

Research and Development

In the same way businesses need to stay relevant, they need to continually stay informed on issues, their customers and the world at large. Businesses need to think on whether their product or service is still valuable to their customers or whether it has become obsolete.

Dwindling Sales

If your sales start to reduce, there is a reason to be concerned. This is an indicator of how well your business is doing. It’s a reasonable predictor of your current and upcoming cash flow, in addition to other factors that affect it. You need to have adequate cash flow and be able to pay your creditors. You need to ensure that your sales are steady and increase too. Don’t be too alarmed if there is a dip every once in a while. This is normal, but you want to pay attention when there is an overall steady decline.

Brand Recognition

Here’s where it gets a little interesting. Remember when it was recommended that your product or service remain relevant to the world? Well, as it turns out, your business success is also dependent on brand recognition. How your product or service affects your customers’ feelings is important. Your product or service must make people feel good about using either one. They need to feel that by using your product or service, they are helping to improve the world in some way. Brand recognition leads to word of mouth, which is one of the best ways to advertise. You not only need to keep your current customers, you need to continually attract new customers to compete in today’s market.

You always want to know where your business is heading. This means you need to decide on where your business will be in three, six and twelve months into the future. You need to know an approximate amount of growth for the years ahead. Make sure your cash flow is good, and watch out for the other signs of failure.

Is Wine a Smart Investment to Boost Up Your Personal Finances?

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The business world is one in which huge revenues come from smart investments. Over time, various items or products have been the main point of attraction for investors interested in boosting their finances. Wine has always played an important role in this game and it looks like in the last two years it has managed to become the most luxurious investment for those interested in huge earnings in five to eight years from the moment of their initial investment. You may also experiment with investment opportunities such as purchasing casks as a whisky investment.

Wine Investments: No New Phenomenon

People have always invested in wine – it is no new phenomenon on the market. However, what is new is how much investors are willing to consider in terms of finances now during the initial investment stage so that their revenues might be big ones meant to boost up their personal finances. Moreover, the trend now is to invest in fine wine because it is way up in terms of financial value thus ensures nice earnings over time.

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Fine Wine Investments: Most Important Advantages

Fine wine starts maturing once it is bottled so it improves with age. Only a limited quantity is usually produced every year. As the bottles of fine wine are consumed the supply starts becoming smaller and smaller. Usually, as the supply starts diminishing, the demand starts rising. This is also influenced by the fact that most demands come for matured fine wine.

A great advantage of fine wine in the world of investments is represented by the fact that it is a finite product. This way, people invest in a tangible asset that has been properly improved and which is only produced in a limited editionfor which there is huge demand around the world. The initial supply is valuable. However, as the supply starts getting reduced, the value of the remaining supply usually rises way up.

Another reason why wine represents a smart investment item for you to consider if you want to increase your earnings is represented by the fact that you will be investing in a tangible asset. You know the value of your merchandise all the time. When your chosen wines for investment do not perform from a financial point of view, it is better to consume and enjoy them rather than sell them at a loss. However, this rarely happens. Usually, wine investors choose the best wine brands after serious research that ensures their success in the end.

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Important Aspects to Consider for Successful Wine Investments

The wine investment market is like any other from a general perspective with the price rising and going down and up. However, if you focus on fine wine that has proven its worth in the past, you cannot go wrong as long as all the steps are followed and all the important factors and requirements are considered.

Moreover, make sure you purchase good merchandise from established merchants only if you want to be certain of the value of your investment in the future. People who buy fine wine usually know very well what they want so if you get fooled this does not mean that others will follow your lead. Even if you may not be an expert in this field of activity, others are and it may not be a bad idea to ask for support before making a serious investment.

Furthermore, in terms of the best investment term to consider, it looks like this is not the short one. You can obtain certain fast earnings sometimes but the real gaining usually come from a mid to long-term process of wine investments. Five years is the minim standard norm that specialists advise to be considered for obtaining earnings but eight to ten years is the perfect period that will ensure increased revenues.

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Favorable Performance Over Time for Fine Wine

All in all, there is clear proof now that wine has performed more than favorably amongst the strongest choices of investments in the last few years. Moreover, fine wine tends to always remain more robust than numerous other major investments. Focus on choosing good wine to invest in, follow all the necessary steps to ensure it matures well to raise its value and never sell it to the lowest or fastest bidder. As your supply decreases, the value of your merchandise increases and you can make a fortune with fine Petrus wine and other brands.

CVS Business Rates saves over £700Million for UK businesses

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Founded in 1999, CVS Business Rates has become the UK’s leading business rent and rates specialists. Operating nationally from its three offices in Manchester, London and Bristol, CVS has to date, saved over £700Million in business rates and rent reductions for its clients throughout the UK.

Business rates, or non-domestic rates, are a tax on business or other organisations occupying commercial property. Business rates is an annual charge made payable for the services provided by the local authority and emergency services. How much a business pays annually depends entirely on the Rateable Value of the property, periodically assessed by the Valuation Office Agency (VOA).

Business rates are calculated against the Rateable Value, which represents the rental value of a property, at around 43 – 45% of the Rateable Value. Business rates are therefore one of the largest overheads any organisation will have to pay.

The 2017 Revaluation

It is just a matter of weeks since the VOA adjusted the Rateable Values of every business property in England and Wales to reflect changes in the property market. The new Rateable Value will be used to determine the basis of the tax calculation for rates next April and for the next 5 years.

The revaluation of business properties usually happens every 5 years but was controversially delayed by 2 years as a result of the economic downturn. The last revaluation came into effect on 1st April 2010 based on the property market as long ago as 1st April 2008.

Those whose properties have performed better than their peers – by dint of the quality of their property, location or business sector – since the previous revaluation can expect to see their bills rise. Equally, those whose properties have underperformed can expect to see their bills fall.

The Revaluation will create ‘winners’- like Heathrow Airport which is currently enjoying a reportedly controversial reduced Rateable Value – as well as ‘losers’ like Leicester City Football Club, whose rates will rise because of, amongst other factors, investment into the stadium.

Accuracy is king

The most efficient way to ensure that your new rates bill is as accurate as it should be for your individual property is to review the ‘Check. Challenge. Appeal.’ process, also known as CCA.

This is a new, Government-led process and it is understood that the CCA process will create barriers such as fees, fines for incorrectly submitted information and various technical requirements. This new process could disincentivise businesses to want to fully understand their individual rates bills.

Ensuring that a business is paying accurate and fair rates is entirely the individual ratepayers responsibility, but it’s important to remember, however, that with professional support from a RICS-regulated rating agent, it is possible to navigate this system and secure a fairer deal.

National coverage, local knowledge

CVS surveyors are based across the whole of the UK, with an unrivalled knowledge of both the rates and rent commercial marketplace.

CVS surveyors have, in the past 16 years, acted on behalf of business such as Ascot, GoApe, Argos, Holiday Inn Express, Sony and the NHS, to name a few.

Time is of the essence

With only 137 days until the latest Revalution comes into play, CVS is encouraging businesses throughout the UK to act now.

In April 2017, every commercial business will receive it’s annual rates payable bill which it will have to pay until 2022. Businesses can find out, ahead of time, what that amount will be and how they can first and foremost, Check to see if this is accurate and fair to their individual business.

Check your business rates bills today.

For all the latest business rates news, follow CVS Business Rates on Twitter and LinkedIn, or check out their Google Plus and YouTube sites.

BIG-HEARTED PEOPLE RAISE MONEY FOR RACIST ATTACK VICTIM

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Kind-hearted Scots have raised thousands of pounds to help a resettled refugee who was targeted in an alleged hate crime.

Able Miller, 62, was attacked outside his home with bricks and fireworks in the early hours of Sunday morning.

The dad-of-three, who came to Glasgow in 2002 as a refugee from Zimbabwe, was left so disgusted by what happened to him that he wants to leave Scotland immediately.

The shocking attack left him with burns to his hands and feet and he had to be treated at the city’s Royal Infirmary.

He was also subjected to alleged racist abuse throughout the attack, while his 13-year-old daughter, who has Down’s syndrome, was left cowering in her bedroom.

Earlier this week, Able, who stood as a member of parliament in his home country, revealed he was forced to leave after being shot twice in the leg by rivals.

He now hopes to move with his family to Sheffield and live among the city’s black community.

But now kind-hearted people from all over the country have come together to donate £2,500 for Able and his family through an online fundraiser.

Able said: “I have been so grateful for all the donations that have been given to us. I have been able to get my car fixed which I didn’t think I was going to be able to afford.

“The extra money will also be able to help my family and I resettle somewhere else, in that we will be able to look for a new home and cover our transport there.

“I would never have been able to go anywhere without the car, so again, I am so grateful for what these people are doing.

“I can’t thank them enough, and I hope this goes to show that racism can be overcome.”

Robina Qureshi , director of Positive Action in Housing, started the fundraiser in an effort to show that Scotland is against racism.

On the fundraiser’s website, it said: “We are gathering donations for the Miller family to help them move home and resettle.

“Please donate what you can and show Able Miller and his family that Scotland says no to racism and they have friends they have never met who care.”

The fundraiser has brought out the best of many people who have made donations of as much as £50.

One donator, Angela Murray, donated £20, and said: “So dreadfully sorry that this happened to you in Scotland, Able.

“There are many communities in Scotland were you would have been warmly welcomed. Wishing you and your family a safe and happy future.”

Another user of the fundraiser, Ruth Newman, said: “Best wishes to you, Able, and your family. Stay strong, you are welcome in Scotland.”

You can donate at https://mydonate.bt.com/events/ablemillerappeal.

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