Help is at Hand

If you gave me a quid for every time somebody has said to me that they wished they had purchased gold as a form of investment 25 years ago, then I would be a very rich man. Have you ever wondered about things that are mined from the ground and how they become so valuable? Yes, I know that the refining process for some of the precious metals is quite expensive itself, mainly due to the labour costs and the other raw material costs that are involved in the extraction. Some countries, like Australia, have more gold in their vaults than 75% of the remaining countries in the world. Some countries are just lucky. They have reserves of minerals, gas and oil to be able to provide for everyone else’s needs.

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How to deal with company finances as a new business

Recent figures show that in the UK the number of people working for themselves accounts for more than four million people of the total number in work. Beginning a small business is something that more people than ever now see as an achievable aim. There are also many ways to help the process that didn’t exist before, ranging from the way technology has opened up world markets to even the smallest home traders and how new forms of funding offer new options for those looking to raise capital. It is easier these days to get recognised and raise your business. This is mostly through digital marketing where many business hire the services of sites like to help them develop their branding, web design and development and marketing processes like SEO.

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Paying For UK Utilities: Should You Use Direct Debit or a Prepay Meter?

Energy bills are an almost constant topic of conversation in many households and many of us need to try and keep a lid on our spending to ensure that our utility bills can be settled when they come in. Continue reading “Paying For UK Utilities: Should You Use Direct Debit or a Prepay Meter?”

Do EMV cards mean check fraud will be on the rise?

EMV cards have been pushed by financial institutions and retailers because they are significantly safer than traditional credit cards. Traditional credit cards keep their data on a magnetic strip that is swiped in order to make a transaction. With EMV cards, the data is stored in a chip inside of the card, which is then placed inside of a reader, where each transaction is encrypted. The extra layer of encryption helps to make the transactions harder to crack, which deters hackers and data thieves who are looking to make a quick buck. Continue reading “Do EMV cards mean check fraud will be on the rise?”

The Art of Lending

It’s a funny world we live in isn’t it? Life can be sublime or a bit of a hassle. They say money is the root of all evil, and there’s a lot of truth in that. But money is also the root of most of life’s problems. Maybe we would be better off if we had stayed in caves and exchanged services for food, or food for food. Man always seems to be working to earn, earning to spend, then starting the cycle again. Sounds like a road to insanity. Continue reading “The Art of Lending”

3 Tips for Avoiding Bankruptcy As a Business


Experiencing the failing of your business is one of the hardest things an entrepreneur can think of. Especially if you’ve devoted years of your life and thousands or even millions of dollars into your company, finding out that you can’t afford to stay in business anymore can be detrimental to your lifestyle and mental health. However, many of the problems businesses face that result in bankruptcy and failure could have been avoided if they’d only known what to look out for. To make it so your business stays afloat, here are three tips for avoiding bankruptcy as a business and remaining in the black.

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You don’t have to go into debt, compromise quality or performance to cut business costs. There are significant ways to save money without compromise. How? Most of the techniques revolve around “productivity transfer,” where you get the same results by using alternative resources at a lower cost point. Here’s how: