What are joint funeral plans?

Prepaid funeral plans have gained considerable popularity as funeral costs have rocketed year on year. At a time when the cost of the average funeral in the UK has risen as much as 70% in the past decade – a rate far greater than increases in wages or the overall rate of inflation for other goods and services – the ability to pay those expenses at today’s prices, rather than at the time you die, is clearly appealing.

If a prepaid funeral plan makes good sense for you, therefore, a plan which covers both you and your spouse or partner is likely to make double good sense – that is the basis for a joint funeral plan.

Joint funeral plans in a nutshell

A joint funeral plan is made in the name of two people, rather than one, and covers the funeral costs of the first of the couple to die. The same level of funeral service is guaranteed for both of the signatories to the plan.

When you die, therefore, you may take comfort from the fact that your surviving loved one is saved the anguish of decisions about the type of funeral to arrange and – just as importantly – how it is going to be paid for.[Continue Reading…]

Business growth lessons from the UK’s successful entrepreneurs

Make networking one of your number one priorities

Networking can provide your business with contacts that can lead to better exposure for your company, as well as lucrative business deals. It takes time for good networking, especially when a business is just starting out and has little in the way of peers and contacts. Despite her success, Jacqueline Gold, CEO of Ann Summers, wishes that she had networked more when she was first starting out.

Don’t hesitate

While embarking on a business endeavour is by no means something that should be taken lightly, one should not hesitate too long. It takes time to build a business, so it is a good idea to start sooner rather than later. It can help to remember that you don’t have to know everything in order to start pursuing your dream. This is what helped lead Jack Wills clothing founder Peter Williams to success.

Business growth

Know your customer

You need to know absolutely everything about the demographic you most want to attract. This will make sure that your marketing plan is more streamlined, and it will make the most of your advertising budget. Social media can be a great way to get to know more about your target demographic in today’s business world. Reaching out to customers gives them a more personal experience and makes them feel “cared for.” Successful entrepreneurs are amazed at how little time some entrepreneurs spend interacting with the people that will make or break their business.

Be a good listener and seek advice from knowledgeable people

Anyone providing a product or service should take the time to be a good listener and consider the advice and feedback of others. Listening can help the entrepreneur to locate key talent that can help take their business to the next level. Guidance and feedback from Max Mosley was essential in restructuring the Fédération Internationale de l’Automobile (FIA) into the Formula One powerhouse it is today. Mosley started out as a racing car driver, and during this time he was called upon to dispense legal advice for the FIA. His influence over the years went deep, and he went on to serve many years as president of the FIA.

Find a niche market if possible

Satisfying a unique need and being the best at it can lead to business success. Sometimes, this means doing a job that most people simply do not wish to do. While a lot of us would cringe at having to work as a plumber, Charlie Mullins, founder of Pimlico Plumbers, grew his business into the largest independent network of plumbing services in the UK. He has since expanded to Spain and hopes to grow his business even more.

Be aware of opportunities

Always be on the lookout for good business opportunities. Sometimes, an opportunity can present itself when you least expect it. At the same time, carefully consider any opportunity before making a long-term commitment. Awareness is often a major component of entrepreneurial success.

Yes, You Can Claim Critical Illness Cover Successfully

We’ve already showed you how to claim successfully on home insurance and travel insurance, so it’s time to shift gears to talk about something even more serious than these two items. Critical illness cover is an incredible insurance product that doesn’t get purchased enough. We just never know when we’re going to come down with something that’s going to keep us from taking care of our families. Did you know that some policies even cover the self employed?

Here’s some quick tips if you’re trying to make sure that your critical illness claim goes through the right way, rather than after a bunch of time wasting appeals.

1. Be Sure Your Illness Is Covered!

Getting a policy that covers a wide range of critical illnesses is important. Cancer, heart attack, and stroke are generally going to be covered everywhere you go, so you can rest easy there. But what about diabetes concerns? If that’s not covered, then you may have an uphill battle in getting a claim processed if that’s the main reason why you’re ill.

Critical Illness Cover

2. Keep Up On Your Doctor’s Appointments

Be sure that you are making all of those appointments with your doctor. If you miss appointments, you can be in trouble because you will not be able to say that you gave the doctor a chance to catch something ahead of time. Being completely honest about your health can stop the insurer from saying that it was a pre-existing condition that you failed to disclose. Even if something doesn’t sound like it’s related to your current problem, that doesn’t mean that you can hide it.

3. Don’t be Afraid to Turn to the Authorities

Remember that insurance is a highly regulated field. If you find that your attempts at handling the matter aren’t going through as you planned, turn it over to the Financial Ombudsman Service. They arbitrate, which means that they will hold the final say on what will happen. It sounds scary, but it’s really not. As long as you’ve been perfectly honest about your case, you should get the claim that you’re looking for.

Companies are doing their part to protect themselves; shouldn’t you do the very same thing? Make sure that you’re looking at documenting every single step that you’ve taken to handle the case.

Get Binary Options Daily Analysis You Can Trust

There are truly only two types of traders: those that prepare consistently, and those that do not. Of course, when it comes to being a consistent trader, you have to make sure that your level of consistency matches everyone else’s level of determination. Just hoping for the best isn’t going to work if you want to make it as a trader. When it comes to the world of binary options, this is even more important. If you want to be a trader for the long term, you need to make sure that you’re thinking about what’s going on in the world around you. Foreign policy has a heavy role on what investors react to, which in turn means that it has an effect on the market place. Thinking that everything is going to be okay is only going to lead you to be asleep at the proverbial wheel of trading, and that’s just not an outcome you should accept.

It’s time to reach out and become a better trader. If you want to get into the swing of things, you need to look into binary options daily analysis. This means getting into the heart and soul of the marketplace, finding out what’s going on in the world and then using that information as a gateway to bigger profits.

Binary Options
How often would you trade if you could begin spotting classic trends in the marketplace, connected to mergers, acquisitions, and even government upheaval? How often would you make plays if you started getting deep insight into what heads of state plan to do when it comes to the health and welfare of their people?

It’s all connected — even when we don’t stop to see the 50,000 foot view of things! Yet when you step into the world of binary options trading, you’ll actually gain the information you need to make better trades over time. Does that mean that the risk goes away? Absolutely not. However, what you end up ultimately doing is reshaping the risk into something that’s much more manageable. When you have education behind you, there’s really no limit to what you can get accomplished.

Keep in mind that not everything you read every single day will ultimately lead to a difference in your trading pattern. It is still up to you to take what you read and test different things in your trades. Small adjustments should be made until you see the full results of your new trading style. That’s the real way to success, you know!

How to build your dream home from scratch

Many people these days dream of being able to build their own house from scratch and this is becoming more common among individuals in a position to buy a plot of land.

It is no longer unusual for people to create their house in this manner, which has a vast array of benefits, not least that it can be built to the exact specifications wanted, rather than the new owner of a home having to work with what is already there to put their own stamp on the place.

But it is still a big job to take on and there is a lot anyone thinking of building their own house from scratch needs to know before they can get started.

Why self-building is becoming more common

While the top end of the property market in the UK was mostly unaffected by the recession and its after-effects, it has been the case for some time that there is a lack of available housing and this is true at every level of the sector.

Those with plenty of money to spend might find there are not many houses on the market to suit their needs, which is why many are looking into self-building instead.

Family at Their New House

Being able to work closely with an architect to come up with the perfect plan for a property is a very appealing option for a lot of people and it is likely this will become even more common in the coming months and years as individuals view self-building as a way to make their mark.

How to start a self-build project

It can be tricky for people interested in self-building to know where to start, even if they are already starting to form a picture in their mind of what their dream home will look like once it is completed, as well as the top features it will come equipped with.

Buying a plot of land is obviously the first real step on a self-build project and land auctions can be a good way to snap up a bargain. Although green belt is being freed up for new developments, it is still the case there is not that much land available to be built on.

Once a plot of land has been secured, an architect will need to be appointed. It’s vital self-builders take the time to get the right one for their needs, as they will be working very closely together for the whole project and will have to be able to trust the professional. It is worth asking friends and family for recommendations, as well as reading testimonials on the internet.

After an architect has been selected there will be countless decisions to make, which is likely to start with the materials that will be used. While this may feel like a chore at times, the beauty of self-building is the sheer level of control provided.

People going down this route will need to inform the local authorities and keep them updated to ensure they are meeting any regulations and it is also a good move to get in touch with an insurer at an early stage in the process too.

How insurers can help with self-builds

Some people are put off self-building by the possibility of things going wrong and leaving them with an unfinished house, which is partly why getting in touch with high net worth insurance brokers can be a good move towards the start of the project.

They can provide tips and advice from an insurance point of view on how the building should be created and this feedback can come in handy for both the architect and the self-builder.

Having an insurer on board from an early stage will also make it easier to secure the right sort of cover for the property once all the work is completed and it is ready to be lived in as a home.

Self-building can be incredibly rewarding for those with the time, budget and patience to go through with the project and it is no wonder so many people are tempted by this option.

Step Into an Online Trading Platform That Can Truly Grow With You!

If there’s one thing that every trader needs to focus on, it would definitely have to be growth. Yet you shouldn’t just be looking at how far your portfolio can grow. That would be short sighted. You need to look at how you’re going to grow as a trader. What is there for you to learn? There are some lessons that can only be learned through severe practice, while there are plenty of lessons that can be learned in theory. As you continue to make good trades, you’ll quickly learn which lessons are which, to be sure.

But what about going further than that? You need to be able to look at just about anything and everything involved with the trading process. Not having the details that you need can really mess things up if you’re not careful. So the goal here is to look at the resources that you have and see how they can grow with you as you begin to become more and more of a serious trader.

First and foremost, the online trading platform is what you want it to be. If you’re not trading somewhere that’s giving you real time information, you’re not going to be in the trading game very long. It doesn’t matter whether we’re talking about binary options or something more traditional. The point here is that you really do need to look at how you’re going to trade for the long run.

Trading Platform

For example, do you want to handle binary options that are fast, like 60 seconds? If you don’t have that as part of your trading platform, then you’re going to have to jump to another platform.

Asking all of your questions upfront before you deposit money is a good idea. The more that you can ask, the better off that you’re going to feel over time. You want to give yourself peace of mind right from the very beginning. Will you profit “in the money”? There’s really only one way to find out!

Naturally, you’ll want to read up on the system of binary options as much as possible. Will every trade be successful? Not at all. Yet the thrill is why so many people embrace binary options, and you should definitely join the revolution as soon as possible. The right online trading platform definitely makes a difference, you’ll see!

How has the online casino effected the UK’s GDP

With the Gambling industry being as strong as ever and the technology industry booming it was only a matter of time before the two markets joined together. Casinos are now turning to the internet as a major source of income through online casinos. This phenomenon covers sports betting, poker, bingo and lotteries.

Due to licensing and taxing laws in the UK, companies who operate an online business are taxed just as land businesses are and with this fast becoming a billion pound business, the UK’s GDP has resultantly profited from its success.

In 2001 the global online gambling market was estimated to be worth over £2 billion. As many experts predicted the online casino market has taken off and is now worth over £15 billion. This is not surprising with over 50% of the worlds population taking part in some form of gambling each year.

licensing and taxing laws in the UK

Just focusing on the UK, the annual revenue generated from online gambling companies will be the equivalent to 1% of the total UK GDP. This may not seem a huge amount, however think about it this way, that equates to the total GDP of some small countries.

Games such as roulette, blackjack , slots and poker have been around for years and with the new ease of access, their popularity has rocketed. This and the access to in-play betting has meant the casino market keeps getting bigger year on year. From the opening of casinos in many cities, to the introduction of the online casino, thousands of people gained instant access to these games.

With technology improving all the time, the software and smartphones available mean access to online casinos is getting even easier and easier whilst making gambling even more accessible and appealing to a broader market . Sites such as GamingClub.com/nz online casino are now played in the UK, something unimaginable only a few years ago.

How to Identify and Avoid Hidden Phone Fees

A monthly mobile phone plan seems straightforward on paper. You pay a specific fee and receive a specific allowance of minutes and data in return. Yet phone bills are rarely that straightforward, particularly if you are a Smartphone addict. Ringtones, apps, downloaded music, roaming fees, international fees… there’s a whole host of charges that could pop up on your phone bill at the end of the month. This is no problem when you plan in advance for extra phone usage, but if you’re caught unaware by hidden charges it can put a serious dent in your monthly budget. It’s helpful to be aware of the type of extra charges out there, so that you can avoid them and seek out alternative services if necessary.

“Free” Offers and Subscription Services

One common problem is the prevalence of premium subscription services. Teenagers in particular may download what appears to be a free ringtone or download an app, only to find out that they have signed up for a subscription service. Although that first ringtone may be free, it’s followed by additional services which they are charged for later on. Always be sure to read the fine print before agreeing to any service or download, even if it initially appears to be free of charge. Entering contests is another common way to put your mobile number on a subscription list without your awareness.

Avoid Hidden Phone Fees

International Charges

If you have friends or family abroad, you might use your phone for brief chats. After all, if you are making brief calls the charges can’t be too high, right? This can be one of the most surprising expenses for consumers, because international phone calls can cost a fortune. Some contracts will charge you not only by the minute, but also for connecting and disconnecting. There may be additional fees for calling payphones, landlines, or mobile phones depending on your terms and conditions. One way to avoid these hidden expenses is to use a separate prepaid option for your international calls. It’s worth looking at options like Lebara pay as you go SIM cards, which allow you to budget for your call without hidden transaction fees.

Roaming Fees

Another time when you might incur surprising international expenses is when you’re travelling abroad yourself. If you keep your phone on in foreign countries, it could pick up data roaming fees numbering well into the hundreds of pounds. It’s best to leave your phone at home if possible, or get a local SIM card to use instead. Lebara SIM cards or international calling cards can help you stay in touch with loved ones without dealing with roaming fees. Active Smartphone apps can also lead to extra roaming fees. When apps are left active, even if they’re not being used they could forward new content to the phone which could incur extra charges over time. It’s best to work over Wi-Fi whenever possible, and be sure to close all apps when the phone is not in use.

Fortunately with a bit of vigilance and the use of alternative services like prepaid phone cards, you can avoid some of the hidden fees that plague Smartphone users. Taking the time to read terms and conditions before downloading anything can help protect you and keep your bill in check.

The Hidden Bottleneck That’s Crushing Your Business From the Inside Out

A business is truly a collection of systems, and we business owners count on those systems to interact and respond properly. When one component is even slightly off, the entire system comes crashing down. It’s definitely not what you need to look forward to, and we hate to see anyone go through an awful time. Identifying the bottlenecks in your business can help you turn things around. It’s really just a matter of getting the right resources the first time around, or recovering fast enough to be able to grow your business to higher and higher heights.

It’s our opinion that one of the top bottlenecks affecting businesses across the board is the speed of their data communications. In other words, speed is where it’s at, and if you’re working on a slow mobile plan or a slow internet plan, it’s time to get rid of it. Your customers can tell when you’re not as responsive you should be. In this digital era, companies can lose customers in the blink of an eye. There are simply too many other companies that are willing to invest in the infrastructure necessary to get the best speeds.

But here’s what you need to know: you don’t have to spend loads and loads of money. You can get strategic and go with an affordable option like 4GEE from EE. This is a company that really knows telecommunications, and they’re going to make sure that you’re taken care of.

4GEE relies on 4G mobile speeds to give you fast data transfers where you need them most — in the process of serving all of your amazing customers. You don’t just have to take our word here — check out this video showcasing London’s Air Ambulance explaining the benefits they’ve personally experienced with the service.


We think that it’s worth your time as a business owner to check it out, as speed may be a hidden concern that you aren’t looking into as much. Give the service a try and see how fast it can handle all of your data needs. Using VOIP services? 4G can boost your voice quality tremendously, leading to higher levels of customer satisfaction.

But that isn’t all, of course. What do you think you can use the 4GEE service for? Sound off in the comments, we’d love to know!

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