Category Archives: Businesses

How the Millennial Generation Changed Workplace Apparel

Do you know what the typical worker’s apparel looks like? If you work in a office and are from the millennial generation than look out because workplace apparel is about to get interesting. A change in strict dress codes could actual be a good thing. It is said that workers who take part in tee-shirt day, for example, are much more happy at working than those who stay in their regular work uniform or business dress. With more millennials getting into positions of supervisors and managers do not be surprised if you see business dress becoming a thing of the past. With that being said, according to an article by Forbes the millennial’s choice of casual dress might actually be doing more harm in the workplace then good. If you wear the same apparel to work that you wear on the weekends than how will you ever be able to differentiate between work and play? Perhaps, this could explain the poor work ethic of today’s young people because they do not take enough pride in themselves to dress nice for work which results in bad work ethic.

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When’s the Right Time to Grow a Business Overseas?

Thereare numerous reasons that a business may be interested in expanding its products and services to an overseas market. First of all, the tax implications might be a little different. This could provide some important regulatory benefits for a business. Companies are also looking to expand their customer base. They view the overseas world as a massive untapped market for potential customers. Of course, businesses are always looking to save money on employee salaries too. They know that people working in other countries may not be as expensive as some of the employees that they have at home.

For these reasons and more, businesses are always looking to expand to an overseas market; however, it is important for businesses to pick the right time to do so, and how does a business know when it’s the right time to expand?

Here are a few questions you should be asking yourself.

  1. What’s the Balance of Customer Acquisition to Overhead Expansion?

One of the most important factors that businesses must look at before expanding to an overseas environment is the saturation of their customer base at home. In this manner, businesses need to look at their rate of customer acquisition. How quickly is a business acquiring new customers? If that rate is accelerating, that means that businesses are acquiring customers faster than ever and there are still more gains to be made at home.

On the other hand, if the rate of customer acquisition is slowing, it could indicate that the business has saturated its customer base at home. Then, the business needs to look at how expensive the cost of customer acquisition is. How much money does a business need to spend in overhead expenses to acquire a new customer?

If a business is spending more and more money to acquire new customers, it may be time for them to look at new ways to acquire new customers at a cheaper cost. This means looking overseas where the employee salaries might be lower and the number of potential new customers is high may be a viable option.

If companies are running out of potential new customers at home, it might be time to expand overseas.

  1. What is Required to Run a Business Both Overseas and Domestically?

There are numerous factors that are required to run a business both overseas and domestically, not the least of which is handling payments that are taken from customers overseas. It can be challenging to process customer payments that are run in a foreign country, particularly with the tax implications, possible currency exchange fees, and the geographic distance of some of these payments. It is important that companies can protect this sensitive customer information as well.

Many businesses have gotten around these financial processing problems by using SEPA payments and other similar systems. SEPA ensures that businesses have a way to collect customer payments rapidly and efficiently overseas – while keeping their information safe. Banking fees will also be reduced with this payments technology as businesses can processes everything from one single account, rather than having to use a separate one for their international banking.

  1. Can Your Staff Manage the Move?

One of the most commonly overlooked steps of expanding overseas is the number of extra executives and managerial staff that will be required to run a business that functions both at home and abroad. Running an overseas business presents numerous challenges.

There will be products that must be shipped over international borders both by land and by sea. There are also multiple tax implications that must be considered for businesses that function both abroad and domestically. Of course, nobody should overlook the logistical problems of trying to coordinate a business that functions in such drastically different time zones.

This means that businesses need to ensure that they have a strong executive leadership on their team. These should be people that are both intimately familiar with the inner workings of the company while also having the experience to run a show internationally.

Try to make sure that these people are in place before moving forward with an international expansion.

While expanding a business overseas presents many challenges, it also represents a great opportunity to businesses who are ready to take on this challenge. Businesses that have grown large enough to sustain an international arm should consider overseas expansion.

Jeremy Hunt is Selling off a Profitable Part of the NHS

The NHS is likely to lose millions after the Department of Health announced that it will be privatising a valued section of the NHS. The section to be sold is the NHS’s in-house temporary staffing agency, a part of the NHS that has repeatedly proven to be profitable and successful.


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The NHS Professionals

The NHS Professionals is the biggest provider of temporary medical staff to the National Health Service, and they save the NHS around £70 million a year. They provide staffing banks to multiple NHS trusts, and currently have over 90,000 medical professionals working for them. They provide NHS trusts with staff whenever they are needed for a reasonable cost, a rate that is much lower than the rates of private staffing agencies.

The service is currently owned by the Department of Health and is state owned rather than state funded. This means that the profits are fed back into the NHS, providing much-needed funds to the British health care service.

The service is currently invaluable, but privatising it will mean that profits no longer need to be fed back to the NHS. This means that it is likely that the NHS will lose millions at a time when the money is desperately needed.

The Privatisation of the Service

It is difficult to know what to expect from this privatisation. There are many ethical and fair scientific staffing solutions that currently offer a recruitment service for scientific employers such as the NHS, including These companies are able to deliver high quality clinical staffing solutions across the UK in a wide range of areas. The companies are able to deliver staff who match the needs of the NHS and are able to deal with aggressive deadlines. This means that the NHS can find competent staff easily.

While the news is shocking, it isn’t unexpected. In fact the Times featured an article about Jeremy Hunt ‘plotting the sell-off of NHS staff provider’ in June 2016.

What Next?

There are lots of different companies who may take over NHS staffing, but either way it will be a big loss for the health service. A sell-off means that money is being taken out of the health service and put into the pockets of private companies and CEOs.

CFD Trading Tips to Make and Protect Your Money

One constant thing about the stock market is that it is totally unpredictable. Nonetheless, there are ways to still make money even from a crashing economy—the answer may lay in CFD trading.

CFD trading is quickly overtaking conventional stock trading. It has immense advantages but it also has its risks. Here is what you should know before you start trading with CFD accounts.

Why CFDs?

Think about it, would you invest in a stock market that carries the potential of draining all your money? Or yet, how many stock traders, both novice and veteran, have you heard of who lost millions in a crashing economy? Hell can break loose anytime at Wall Street or the London Stock Exchange and taking out your shares isn’t always the answer.

CFD trading present a ready solution to cushion against such losses. To begin with, you don’t have to own any assets as you will only be trading in the price difference of assets. This could be shares, FX currency pairs, indices, commodities or equities. You will also be in the company of a CFD broker who will be the one showing you how to calculate price difference to multiply to your bought CFDs.

CFDs are far better than share trading when it comes to accessibility. Once the doors at the London Stock Exchange close, you cannot access your share assets until the next day. It’s different with CFDs where you have access to your assets on a 24 hour basis and can trade at any time of day. What’s more, you have access to thousands of markets to trade in—literally money never sleeps with CFDs.

Another good reason why you should be trading CFDs is how quick you can join the trade. It only takes a few minutes to download an app and install to your laptop or smartphone. From here you only need to deposit money to your account then start building your wealth. There are online CFD trading platforms like CMC Markets, with secured mobile apps to trade in. You just need fast internet and everything else falls in place.

But now for the biggest advantages of them all; the ability to trade in a market whether it’s rising or falling. This is why CFDs have become popular, so much so that they have overtaken conventional trading forms. CFDs depend on how you predict the price movement and make money from that; whether you predict a rise or a fall, the difference thereof is multiplied to your bought CFDs and you walk home with profit. A totally legitimate way to trade and profit even when the markets are crashing.

You Can Always Hedge Your Portfolio

Hedging is another secret to cushion against untold losses in the stock market. Among the established CFD traders, there is a new hedging trick known as the 80-20 rule. It’s a concept borrowed from the Rugby league and has been adopted into stock market trading. What the 80-20 rule basically means is holding your equity CFDs while trading your FX CFDs. For example, if your equities investments are worth $100,000 and there is a sudden downturn in the market, you then proceed to sell about 20% of your FX face value on say a US 200 Index.

The 80-290 rule helps cushion the blow the market may decide to deal you. So you are still making money and not forfeiting your goodnight sleep pondering where the next money will come from. The hedge percentage will also be determined by the momentary changes in the market.

However, and as a disclaimer, you need to have full access to the FX index before you try out the 80-20 strategy. The index acts as a guiding beacon, the absence of which you will be trading blindly. So know your index before the equity firms in the market catch you off-guard.

The bottom line is, there is great security in CFDs. Yes, there are risks of losing as well (and fast!) just like in conventional trading. However, the beauty of it all is that you have available avenues to learn before investing your money. Most online CFD trading sites even have demo accounts to offer you a platform to practice. CFD brokers are everywhere to help you take the first baby steps and will still be by your side when you finally make that million pounds.

What Sort of Documents Should I Keep in Business Archives?

What Sort of Documents Should I Keep in Business Archives

Deciding what you should keep in your business archives can be a tricky business, but for some helpful advice we’ve put together a few helpful pointers to make business archiving more straightforward.

As a business operating in the UK it’s incredibly important to retain certain paperwork relating to business transaction and accounts as a legal requirement, because at any point HM Revenue and Customs (HMRC) can request to see it.

Naturally this documentation can take up a lot of time and space, but with an effective business archiving system in place and knowing what you should keep, can help you stay on top of everything. Remember to find a good, secure place to store all your documents to protect them from theft or damage. This could be on your own premises but if you find they are taking up too much valuable, and expensive, business space then a good, cheap alternative is a self storage facility. They have excellent storage and climate controlled storage units to protect even the most valuable business documentation. Compare self storage deals near you to find the combination of price and features to suite you needs.

Read on to discover what sort of documents you should keep in your business archives.

Company Records and Personal Data

With most businesses there will be a certain level of personal information relating to customers and employees that needs to be stored correctly to ensure you’re in line with the Data Protection Laws. Anything that contains personal information should be placed in secure business archives and stored up to 6 years.

Value Added Tax (VAT) Records

By law, VAT records should be kept for a minimum of 6 years and to ensure you have all the relevant records available, it’s a good idea to put them into your business archive in a systematic filing system.

Company Tax Documentation

The ideal place for your company tax records for at least the past 6 years, is to put them into a business archiving system. That way you can have all the relevant paperwork available should you need to prove to HMRC that you’ve paid sufficient tax.

PAYE Records

PAYE records can also be stored in your business archive to ensure you have adequate records to provide to HRMC if they need it. Whilst you don’t legally need to keep hold of this information, it’s good business practice to at least keep it for 3 years.

Business Insurance

All UK businesses should have an up to date Employers Liability Insurance Policy certificate, and keep comprehensive records of all previous insurance policies that pertain to the business. This will ensure that any future claims on their liability insurance can be met.

Grants or Loans

As a business you may have been subject to government grants or taken out a business loan, in which case you should keep records of all past and present documentation in your business archives to ensure it is safely and securely stored away. This information should be retained for at least five years after the activity or repayment of the loan.


In addition to any VAT and Company Tax records, any other paperwork that relates to accounting, should also be put into your business archive. That way should you need it, you can demonstrate the trail of business transactions, payments or such accordingly.

In summary, anything that pertains to business transactions, accounting or contains confidential information is best securely stored in a business archive, such as off-site self-storage London facilities.