Cash genie tips for your travel needs

Isn’t it irritating the way the summer holidays always disrupt one’s careful budgeting?  People who have been planning their finances carefully all year are tempted by offers of sun-soaked beach resorts and flights to faraway places.  When flights, hotels and spending money are all factored in, a summer holiday can double or triple our outgoings for a given month.  For those who find themselves in real difficulties, Cash Genie is here to offer short term payday loans to tide you over.  You may not end up needing this, though, if you read the following money saving travel advice from Cash Genie.

If you want to find cheap flights, timing is of the essence.  Unlike package holidays, it is worth looking for flights as far in advance as possible.  Because business travellers will pay high fares at the last minute, airlines will only increase them as time goes on.  The budget airlines will tend to offer the cheapest flights, but it is important to be aware of any ‘extras’ they charge.  If you are aware of the charge for extra carry-on luggage or boarding card printing, you can avoid those little extras that can end up adding significant extras to your flight costs.

It may be that looking for cheap flights is not the best way to get the top deal on your holiday.  If you are going away for a week or 14 days to a traditional holiday destination, then package holidays can be very cost-effective.  Package holidays bring other advantages too.  The tour operator provides flights, connections and accommodation for one price, leaving you with little to worry about.  Most of the package operators are ATOL protected, so you are more likely to be protected if the company goes bust or something goes wrong.  If you do choose a package holiday, you will find better deals if you can leave booking as late as possible, but this will deprive you of some choice.  Because tour operators have chartered the planes and reserved the hotel rooms, companies who have not sold all their holidays will need to shift them at the last minute to avoid losing money.

Hopefully, if you take this Cash Genie advice and plan your holiday carefully, you will not need an extra loan to deal with the cost of your summer holiday.  Saving money in this context is all about knowing what best meets your needs.

Please visit http://www.cashgenieblog.co.uk/ for further information about this topic.

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London kickboxing classes will help you with stress difficulties

Stress is one of the epidemics of our age, and none more so than in London. Kickboxing classes can be a brilliant way to burn off some of the anxiety and pent-up energy collected from driving a desk all day. If you’re finding that your job is having unwanted consequences for your health, mind and waistline, then a London kickboxing club might have the answer you need. Kickboxing is a punching and kicking-based martial art that has its origins in other more regimented styles from Japan and elsewhere; in practice it is a mish-mash of techniques brought together from different martial arts to create something right for Western learners. For kickboxing London has many such clubs, with different approaches and teaching different styles – you may find, for example, that whereas one club emphasises self-defence techniques and may even incorporate some grappling moves, others are more purist and focus on punches and kicks exclusively (with the appropriate blocks) in the interests of preparing you for sparring, which relies on strict rules for what is allowed and what is not permitted.

All of this means that, although kickboxing is a good way to exercise, it’s always worth shopping around and finding out what you can learn before you choose a club. Of course, there’s no reason you shouldn’t go to several before you find one you’re comfortable with; one of the things that often puts people off studying a martial art is the typical movie portrayal of classes, which go along the lines of a harsh, Karate-kid style sensei imposing his will on the students with pain and shouting. (Other people, of course, may be looking for and need precisely this kind of motivation…) Although such classes are in the minority nowadays, at least in London and for beginners, the different emphases may still attract or put you off.

So look around on the internet for London kickboxing classes and better still find someone who has tried them and can tell you what you can expect from a regular London kickboxing club. Once you’ve found one you like the look of, you should usually be able to try it out for free – there should be more details on the website, but beginners are often given taster classes to allow them to decide whether they like it enough to want to sign up for a longer period of time.

Please visit http://www.karmaa.co.uk/ for further information about this topic.

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Computer support London provides a range of solutions

The computer support London companies can provide businesses are a consideration for any company that relies on computers. And let’s face it: that means practically every single one of them! When it comes to IT support London is not such an awful place to be based, since there are so many companies offering support services, and this means that there is competition. By consequence, where there is competition, there are competitive prices.

As a result it is worth taking time to browse the companies in your area to make sure that they offer all of the services that you are likely to need. This will depend a lot on the nature of your business. For instance, how many computers does your company operate? What kind of computers are they? Are they used in integration with machinery, or in more of an internet-based scenario? Factors like these, and how often the computers are used, will have an effect on how often you will need them to be serviced, and what kind of services you will need. The best way, of course, is to get tailor-made IT support for your business.

Take, say, a business that relies on its ability to interact with clients from around the world, and respond speedily to their demands. A business such as this never really stops, so it follows that it should go for a support option that offers round-the-clock computer support. This is possible with diagnostic tools that can come as part of a support package, and enable the constant monitoring of your company’s network. The ability of some companies to provide this level of support – as well as the ability to fix problems remotely, thus diminishing system downtime – makes them the only choice for many of these businesses.

IT support companies can be used either on an ad hoc or a retained basis, and in many cases this turns out to be a very affordable solution, compared with investing in your own in-house IT resource. For many companies, in fact, the latter is simply not a practical option. All companies rely to an extent on details stored in computer systems and networks, so a solution involving a full back up of data is regularly necessary.

With computer support London companies have found that they are able to keep their eyes fully on business. When it comes to IT support London based firms are the simplest option for London based companies.

Please visit http://www.fwcs.co.uk/ for further information about this topic.

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Cash Genie and short-term cash policy

Cash Genie is an online lending company that adheres to particular rules when it comes to deciding whether to grant applicants money or not. Their decisions are based on a few straightforward principles, which means that it’s relatively easy to guess whether your application will go through or not. Aside from that, there are a few points to remember, since what you make of the opportunity in the long term is more up to you than any number of rules and guidelines can dictate.

Informal lending can have a bad reputation – loan sharks and other dishonest lenders charging enormous rates of interest, keeping no paperwork (or withholding the paperwork from you) and ensuring that you never really know when you’re out of debt. In fact, the purpose of these people is not to keep you out of debt: it’s to keep you in it, always repaying interest but never fully paying off the loan. The saying is apt – you can fleece a sheep many times, but only skin it once. The best companies, on and offline, should function on the principle that they should be trying to make themselves obsolete to each customer: their service is temporary, intended to get the client through a short-term problem – not to keep them in long-term poverty through permanent and unnecessary repayments.

That’s why Cash Genie lend only for one month. There are no hidden fees: the rates are 30 percent for the length of the loan. It might seem expensive, but that’s it. It’s a kind of one-off flat-fee, and the arrangement is supposed to end after that. The idea is to get you out of trouble and ideally keep you there, rather than saddling you with repayments that go on and on for years. The purpose of the loan is to give you the breathing space to look at your finances properly, understanding where you went wrong and putting some measures in place to make sure that you don’t need to keep coming back to instant loan approval companies again in the future (and, incidentally, it is almost instant – the decision is made within minutes or even seconds, everything is automatically checked, and the company uses specially designed software to make sure that you are getting the correct amount of money – not more than you need, which is bad practice on both your parts, but not less either).

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

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Bacs enables accounts departments to run more efficiently

Bacs payments have been around for a long time and bacs software has become a key part of the process of transferring money between accounts. Bacs stands for Bankers’ Automated Clearing Services, although this full name is little used now. The acronym, like the Bacs process, is a lot more convenient. The Bankers’ Automated Clearing Service was conceived and developed in the United Kingdom in the late 1960s by a man called Denis Gladwell. Since then it has proved extremely popular as a method of making payments and managing accounts both with commercial organisations and with the wider public.

One of the main boons of using Bacs is that there is a lot less paper to worry about and to keep track of when you are attempting to transfer money between bank accounts. It is efficient and straightforward. These attributes have made it a tremendously convenient means of settling invoices, paying salaries and paying the other sundry expenses that are a normal part of business life. It has also very much reduced the need to store large sums of cash to meet future expenses claims and has also greatly reduced the amount of time that a firm’s staff have to spend tracking down and storing the paper documents necessary to carry-out their transactions at the bank. This makes for a much happier and more productive workforce, because people are able to get on with other more interesting tasks to develop and improve the business.

Nowadays, many people in accounts departments make relatively few trips to banks and the same is increasingly true for individual customers. A substantial proportion of banking these days is done online. Using your knowledge of key details of your account (such as the account number and the sort code) and remembering passwords and security information enables people to conduct their banking business over the internet. This means that they are able to access their account information twenty-four hours a day, seven days a week from the comfort of their favourite armchair in their living room if they so wish. This means that bacs payments can now be planned and arranged much more easily. It should, however, be remembered that the bacs system does not make payments instantly, but normally takes three working days.

Bacs payments were an excellent invention and bacs software enables these transactions to be processed smoothly and securely. Bacs may one day be superseded by another invention, but members of accounts and finance departments will always be grateful to Denis Gladwell.

Please visit http://www.bottomline.co.uk/ for further information about this topic.

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Using CIS payroll to make payments easier

Working as a contractor can be tough at times.  Some contractors who work like this find that the busy schedule of a contractor leaves little time to handle the administrative tasks that come with it.  If this sounds like you, singing up with a contractor umbrella may be the best option for you, giving you security and the peace of mind of knowing that your payments are in order.  In addition, you may want to consider a cis payroll service, which enables you to receive your payments in the easiest way possible.  Payroll services like these are ideal because they are specifically used by established contractors, sub-contractors, sole traders and partnerships.

What is usually referred to as CIS stands simply for the Construction Industry Scheme.  It generally applies to contractors and subcontractors who are in mainstream construction work.  Essentially what happens is, under the scheme a separate company takes on the role of the contractor by fulfilling all the administrative tasks associated with the job.  HM Revenue and Customs designed the scheme, and those who wish to sign up will need to first visit the HM Revenue and Customs website in order to be given a Unique Taxpayer Reference Number, without which you cannot participate in the scheme. There is no long term commitment involved in signing up; while some contractors need a contractor umbrella for a few weeks, others will use their services for a number of years.

Once you have your Unique Taxpayer Reference number, you will be identifiable on the revenue and customs system.  The next steps are to send the number, as well as your name and National Insurance number, to the company you want to register with.  The tax rate on those with a UTR is 20%, but 30% for those without it.  Finding work and sorting out rates is still up to the individual contractor, as is the end-of-year expenses list.  By filling in a list at the end of the year of all the expenses incurred throughout the year, you can offset these against your tax rate.

Those working in the construction industry may wish to register with a contractor umbrella for a number of reasons.  For many, the simple time-saving element of being on the cis payroll makes it worth signing up. If you don’t have to go through paperwork to make sure you get paid, you might be able to fit in a trip to the playground with the children, or another pint at the pub.  Payroll services are there for you to make the most of – it’s up to you to go ahead and do it.

Please visit http://www.liquidfriday.co.uk/ for further information about this topic.

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Document processing can increase your staffs morale

There are a great number of systems that are used for running a successful office and they will vary according to the size and nature of the firm. One of the main organisational facilities which all offices must have, however, is a system that allows rapid and simple document management. This can include document processing and invoice processing and a lot of other systems can be added to increase the efficiency with which the office staff work and to cut-down the incidence of annoying human errors that are inescapable in any firm. However many systems an office manager decides to implement within the business the main facility which is needed is document management – this is what much of running an office boils down to.

Nowadays, the filing and managing of documents regularly all takes place on a computer. This way of working has numerous advantages. Not only can different members of staff access shared documents and spreadsheets, but it is now also standard practice for staff to remotely access their work computer and continue to work on important documents despite being away from their desk, perhaps while travelling, or perhaps looking after a sick child or infant at home. When members of staff are able to store and edit documents jointly it increases the efficiency with which they are able to work and to collaborate. This in turn has a very positive effect on team morale within the office.

One of the greatest advantages of using a computer system to manage your documents is that files can be searched for individually, for example, by date, by title, by author, or by keyword. This again speeds up the working process and allows employees to make better use of their time for the benefit of the business. It also means that the wrong (perhaps outdated) file is less likely to be used at critical points in the business cycle because a properly organised system for managing documents can easily be used to replace documents and files as and when they are superseded.

There are many advantages to a document management system, from more efficient document processing to more accurate invoice processing. It can even help to reduce the carbon footprint of your business. In the current climate, when office space is at a premium and office overheads are high, using a computer-based system to manage and process documents makes a lot of sense. It is no wonder that they are increasingly popular across a wide range of businesses.

Please visit http://www.bottomline.co.uk/ for further information about this topic.

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Social worker jobs: a brief job description

Those employed in social work jobs work with people who have been socially excluded, or coping with a crisis in their lives.  Rather than providing long term support, social services jobs are designed to enable service users to help themselves.  They would typically act as guides, advocates or critical friends in order to achieve this aim.  Those who are thinking about social worker jobs will need strong social skills, but also the ability to remain unbiased and keep an open mind in difficult situations.

Social workers may be required to be involved in a variety of settings, depending on the needs of individual service users.  Typical places might be the service user’s home, schools, hospitals, and other public sector organisations.  Social workers need to be able to work independently but should not expect to be unsupported.  Once qualified, social work professionals are generally supported by social work assistants.  Health and social care staff are also likely to work closely with those in social worker jobs.  Recent government health legislation focusing on the integration of these sectors means that professionals in these sectors often work in multidisciplinary teams.

The majority of social work jobs will involve working with young people and their families, so a willingness to help this group is important in this sector.  Social workers may also work with young offenders, those with mental health conditions, school non-attenders, drug and alcohol abusers, people with learning and physical disabilities, and the elderly.

Tasks can vary widely, from practical one-to-one help to looking after the wider organisation of the lives of vulnerable people.  As with many jobs, paperwork is a necessity in social services jobs.  Social workers will have to spend a sizeable amount of time undertaking and writing up assessments, often together with with medical and other professionals.  A lot of their time will be spent conducting interviews with service users and their families, to ensure they keep on top of their situation.  This will often lead to a need for social workers offering information and counselling support.  There is an active decision making element to social work jobs, in that social workers organise and manage packages of support to enable service users to lead the fullest lives possible.  Liaising with other agencies is an important part of the job, and recommendations will sometimes have to be made.  social worker jobs also demand that professionals keen accurate records of their work, and are sometimes called upon to give evidence in court.

Please visit http://www.sanctuarypersonnel.com/ for further information about this topic.

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Why I opted for internship jobs after finishing university

I always knew it was going to happen, but somehow it still surprised me when it did.  In my third year at university, talk turned to graduate jobs, and I realised that I was going to have to make some plans for my life.  Unlike some of my friends, who had spent their summers in internship jobs with a view to getting on a graduate scheme at a big organisation, I had decided to journey to far flung corners of the world during my breaks from university, teaching English in Asia and South America.  This left me feeling rather like a blank canvas, which I tried to see as a positive thing, and so I set about trying to think about what kind of positions might be fitting for me.

The first thing I did was to make an appointment at my university careers service.  The problem with this, though, was that they had a wealth of information about how to get graduate jobs in your chosen area, if you had worked out what that was.   The staff there seemed a little fed up of confused finalists expecting them to provide answers to all the tough questions in their lives. It was apparent that I was going to have to do a little more thinking by myself before I could enlist the help of somebody who didn’t know me.

I decided to start scanning all the job adverts printed in newspapers, to get a better idea of opportunities that were available.  Part of my job search involved expanding my outlook to get a better sense of potential career ideas, beyond the classic graduate scheme jobs and ‘professions’, which I didn’t think were for me.  From scanning a large number of these I managed to get a good grasp of the kind of roles that interested me and their requirements.

I could see that the kind of jobs I was interested in were mainly in the charity sector, but most of the jobs advertised required that applicants needed to have a demonstrable interest in the charity sector and some work experience.  I was concerned that this might be difficult for me to illustrate, so I decided to apply for internship jobs and work experience in the charities that I was interested in.  I was offered a couple of placements at medium sized UK charities.  After working as an assistant at both of these for a couple of weeks, I was convinced that this was the kind of thing I wanted to be doing. After a few weeks, I had a phone call from somebody I had worked with at one of the charities, saying that there was a vacancy that they would like me to fill. I was pleased that I hadn’t gone for a graduate scheme like most of my friends, and the graduate jobs market had not been quite as much of a nightmare as I had expected!

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Glass louvres provide the ultimate in practicality with good looks

As awareness of environmentally sound architecture increases and government regulations pertaining to the energy output of buildings become increasingly strict, many architectural features such as the brise soleil and external louvres have become commonplace, even if many people are unaware of their function. Many may assume that the aluminium curtains, glass louvres and sails which are increasingly an element of modern buildings, are just a design feature whereas their impact is far more than just decorative.

Given the popularity of programmes such as Grand Designs, the concept of passive solar heating and the use of increased levels of insulation to reduce heating outlay is now quite familiar. On the other hand, the opposite effect, passive cooling, is rarely considered, even though it is a technique which was used by the Ancient Egyptians! Less thought is also given, outside design circles at least, to maximising the use of natural light in new buildings, thus reducing electrical costs. Solutions that work with the sun to provide maximum natural lighting without glare and overheating are also still a quite novel concept.

However, the odd metal protrusions that stick out of many new buildings these days looking oddly like an over-sized set of IKEA kitchen shelves can assist with both cooling and lighting problems and numerous other more discreet design features, for instance glass louvres, are also providing more than just a visual function.

The term ‘brise soleil’ which, roughly translated from the French means ‘sun break’, refers in architectural terms to any permanent external structure which helps to stop the sun shining directly into a building. A few avant-garde architects have even built such a function into the main fabric of the building, such as Le Corbusier who created distinctive simply patterned concrete walls. More often, a structure made of a different material is used, such as steel or aluminium louvres. These can be angled to enable a building with a sizeable glass façade to be protected from overheating during the summer when the sun is at a higher angle while allowing the intake of light and warmth from the sun during the winter months when the light comes in  from a much lower angle.

The best firms are able to create detailed analyses of either existing buildings or the plans for new projects. These map out the angle of the sun during different times of the year and make suggestions based on these calculations for appropriate sun-shading. Maple Sunscreening, for example, is a company which regularly advises architects and engineers on how to use features such as brise soleils and glass louvres to meet standards for CO2 emissions and combines advice on internal sun-screening with suggestions for outdoor screening such as external louvres to create an overall scheme which maximises long term reductions in the final building’s energy costs.

Please visit http://www.maplesunscreening.co.uk/ for further information about this topic.

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