UKEF has partnered with other export credit agencies and MUFG as sole Mandated Lead Arranger to secure over €1.2 billion in financing for a sustainable railway project.

The financing package comprises a €1.027 billion loan guaranteed by ECAs and a separate €220 million commercial loan facility supported in part by the Islamic Corporation for the Insurance of Investment and Export Credit (ICIEC). MUFG was appointed the sole mandated lead arranger, coordinator, structurer and agent bank by the Turkish Ministry of Treasury and Finance.

UKEF guaranteed the ECA facility, with Italian (SACE), Polish (KUKE) and Austrian (OeKB) counterparts providing significant reinsurance. ICIEC provided insurance to several of the commercial lenders.

UKEF is an export credit agency operating at no net cost to the UK taxpayer. Its involvement secures substantial opportunities for UK firms, which are expected to supply steel, pipes and other equipment.

The financing allows Turkey’s Ministry of Transport and Infrastructure – acting through the General Directorate of Infrastructural Investment (AYGM) – to develop 140km of low-carbon electric railway between Yerköy and Kayseri.

The new railway line will help the country to expand its low-carbon rail network, reduce road congestion and cut net emissions on the Yerköy-Kayseri route by over 6,500 tonnes of CO2e per year. Connecting to the Ankara-Sivas line which opened in April 2023, the new route is also expected to support regional economic growth by increasing regional passenger and freight rail capacity around Turkey’s capital region.

The announcement comes as UK Secretary of State for Business and Trade Kemi Badenoch visits Turkey to strengthen business links.

Kemi Badenoch, UK Business and Trade Secretary, said: “I’m delighted to be in Turkey ahead of talks to upgrade our existing trade deal to make it fit for the 21st century.

“With its major economy and strategic position, Turkey presents huge opportunities for UK businesses. And I’m excited to start discussions on ensuring our new trading relationship with Turkey unlocks those opportunities.”

The project will be delivered by a joint venture between Turkish contractors Doğuş İnşaat, Çelikler and Özkar. Doğuş, Çelikler and Özkar were also main contractors for the newly opened Ankara-Sivas High Speed Railway.

This is the third high-speed railway project which UKEF, SACE and OeKB have jointly backed in Turkey, with their support now helping to lay more than 900km of track for a more sustainable rail network.

Christopher Marks, Managing Director, Head of Portfolio Solutions, Innovative Finance & Growth Markets for EMEA, MUFG, said: “This transaction demonstrates MUFG’s long-term commitment to Türkiye. We are proud to have worked with the Republic of Türkiye on this landmark financing. We continue to work with public sector and sponsor clients to deliver such innovative financing solutions that propel their transition plans for a more sustainable future. We are pleased to have successfully delivered a blended finance solution, with ongoing support from the ECAs and ICIEC, that aligns the financing to the Green Use of Proceeds criteria set by the Republic of Türkiye’s Sustainable Finance Framework.”

Tolga Akkaş, Chairman of the Board from Doguş Çelikler Özkar JV, added: “We are honoured to be entrusted as the main contractor for the Yerköy-Kayseri High-Speed Railway project, advancing the sustainable rail infrastructure in Türkiye. As one of the contractors for the Ankara-Sivas High-Speed Railway project, inaugurated in April 2023, we are eager to bring our expertise to the Yerköy-Kayseri route. The adoption of high-speed rail technology inherently leads to a more energy-efficient and eco-friendly mode of transportation compared to traditional alternatives. This project features not only a significant stride in Türkiye’s railway network but also connecting communities, driving economic prosperity, and fostering sustainable development.”

“This impactful transaction is made possible through the collaborative efforts of esteemed partners such as UK Export Finance and MUFG. We express our sincere gratitude for their unwavering commitment to supporting initiatives that contribute to the sustainable development of countries.”

Marcus Dolman, Vice President of the British Exporters Association (BExA), noted: “This deal demonstrates continued support for the development of the Turkish rail network. The UKEF guarantee offers a huge boost to UK exporters looking to increase, or start, their export portfolio under a secure umbrella. Deals of this type are essential to increase the UK supply chains of large overseas contractors. BExA congratulates UKEF on this transaction and their continued support for UK exports.”

Read more:
MUFG and export credit agencies unlock €1.2bn financing for Turkish electric railway

Houthi rebel disruptions reaching the Straits of Hormuz could double oil prices, Goldman Sachs has warned.

In an interview the head of the company’s oil research division Daan Struyven said: “the Red Sea is a transit route and a prolonged disruption there, oil can be three or four dollars higher.

“However if you have a disruption in the Strait of Hormuz for a month, [oil] prices would rise by 20 per cent and could even eventually double if the disruption there lasted for longer,” he said.

Despite caveating that the situation was “highly unlikely”, Struyven’s comments join a collective of voices from across international business and politics decrying the situation in recent days.

Yesterday, former prime minister now foreign secretary David Cameron said in an interview to Sky News that the attacks “have to stop”.

“This is not just a British interest, it is global,” he said.

“The clear message, and over ten countries have signed a letter to the Houthis saying that these attacks are illegal and have got to stop and if they don’t, action will be taken.”

Since November, the rebels have attacked commercial shipping in the Red Sea more than 20 times using missiles, drones, fast boats and helicopters.

In response, the U.S. in December announced Operation Prosperity Guardian to step up patrols of the Red Sea and Gulf of Aden to protect commercial traffic – ships from the UK, Australia and Canada are among the other countries also involved.

Early-mid December saw the occasional minor oil price spike as a result of the actions, but the volatility has remained largely subdued as the wider market remains soft.

More significantly however has been the reaction of major shippers to the protective responses such as Prosperity Guardian.

Maersk and Hapag Lloyd, two of Europe’s largest shipping companies, have refused to use the Red Sea and Suez Canal routes, the former having had a vessel come under attack from rebels last weekend.

What began as seemingly isolated disruptions to Western commercial activities are now being seen by many to constitute targeted action in support of the Hamas cause as Israel continues to ramp up its attacks on Palestine.

Should they continue, they are likely to throw the already-chaotic state of global shipping in that area into further strife.

Read more:
Oil prices could double if Red Sea shipping attacks continue warns Goldman Sachs

House prices have stopped falling and are rising again, according to a closely watched report from the mortgage lender Halifax.

The average property price last month rose by 1.1 per cent in December. It was the third monthly rise in a row and well above economists’ forecasts of a 0.1 per cent increase.

After a weak spring and summer, the strong end to the year means that house prices rose by 1.7 per cent in 2023 to an average of £287,105, almost £5,000 more than this time last year. Entering 2023, most economists had predicted that prices would fall by between 5 per cent and 10 per cent, possibly more, across the year.

Kim Kinnaird, director of Halifax Mortgages, said the surprise increase in prices probably reflected “a shortage of properties on the market, rather than the strength of buyer demand”.

The property market in Northern Ireland was the strongest of any UK region last year, with prices there improving 4.1 per cent across 2023 to an average of £192,153. Prices in Scotland, the northwest of England and Yorkshire also rose year-on-year.

By contrast, the southeast, where homes are dearest, came under most pressure, with prices declining 4.5 per cent in 2023.

When viewed alongside a similar monthly index from Nationwide, another big high street lender, Halifax’s data suggests a stabilisation in the housing market after a sustained downturn brought on by sharply higher mortgage rates. Between October 2022 and August 2023, Nationwide calculated that prices fell in nearly every month, before starting to pick up towards the end of last year, albeit modestly. Halifax’s metric recorded price falls for six straight months up until October, since when it thinks prices have consistently risen.

Imogen Pattison, assistant economist at Capital Economics, said the latest data from Halifax “confirms that falls in mortgage rates are translating into renewed increases in house prices”.

In contrast to Halifax, Nationwide still has prices as being 1.8 per cent lower year-on-year. Pattison attributed the difference to Halifax’s index being “more sensitive” to changes in mortgage rates and expects the Nationwide index “to play catch up over the coming months”.

House prices boomed during the pandemic, as a combination of cheap money, stamp duty holidays and the lockdown-induced “race for space” pushed many to look for somewhere new to live. The jump in mortgage rates that followed the mini-budget in the autumn of 2022, however, sent the market into reverse. Almost immediately housebuilders and estate agents reported a sudden and sharp drop-off in demand.

Such was the strength of the market in 2021 and 2022, though, that Halifax estimates that prices remain almost £50,000 higher, on average, than before the pandemic erupted.

The financial markets are betting that the Bank of England, and other central banks, are unlikely to raise interest rates much further. Mortgage lenders have responded this week by cutting their own rates.

Reflecting that, and the probability that the government will bring in some sort of support for first-time buyers before the general election, Anthony Codling, a housing industry analyst at RBC, expects prices to rise again in 2024. “Our pessimism was misplaced in 2023, and we don’t want to make the same mistake twice,” he said.

Similarly, Pattison had predicted that prices would fall 1.5 per cent this year, but she now thinks they will increase by 3 per cent. “The drop in average quoted mortgage rates from 5.9 per cent in July 2023 to just over 4 per cent now will improve affordability meaning demand from mortgaged buyers will continue to recover,” she said.

Kinnaird is less certain, predicting a fall of between 2 per cent and 4 per cent this year, although she noted that “forecast uncertainty remains high given the current economic climate”.

Read more:
House prices started to rise again in 2023, says Halifax

The number of new cars registered in the UK has jumped by nearly 18% but electric vehicle demand is flatlining, prompting the industry to call for a VAT cut to stimulate sales.

Annual figures released by the Society of Motor Manufacturers and Traders (SMMT) on Friday show 1.9m new cars were registered last year, well up on the previous year’s figure of 1.6m and the highest level since the 2.3m registrations of 2019.

The increase is a boost for the automotive industry after the pandemic led to supply chain problems and a shortage of vital computer chips that slowed production.

Across the year, 315,000 new battery electric vehicles were sold. That was 50,000 more than 2022, but the number being bought as a share of total registrations failed to grow as expected. They represented just 16.5% of the total, slightly down on last year’s 16.6%.

The lacklustre growth in the electric vehicle market comes despite a government goal to totally phase out petrol, diesel and hybrid vehicles by 2035, albeit one that was diluted by Rishi Sunak last September from an original target of 2030.

The changeover is being supported by the zero emissions vehicle (ZEV) mandate, which will require 22% of all vehicles manufactured by carmakers to be ZEVs by the start of next year, with this rising to 80% by 2030.

After the latest figures showing the sector is still well short of that target and that the switchover is stalling, the SMMT is calling for the government to halve VAT on all new ZEV purchases across the next three years. It has estimated the plan, which equates to an average of £4,000 per purchase, would save consumers a total of £7.7bn over the period and would put 250,000 extra ZEVs on the road by 2026.

Mike Hawes, the SMMT chief executive, said: “Government has challenged the UK automotive sector with the world’s boldest transition timeline and is investing to ensure we are a major maker of electric vehicles.

“It must now help all drivers buy into this future, with consumer incentives that will make the UK the leading European market for ZEVs.”

The increase in overall registrations was largely driven by registrations for fleet deliveries – mainly used for the car leasing market – which grew to just over 1m of all cars sold, a 38.7% increase on the previous year.

The number of hybrid electric vehicles sold rose to 380,000 over the year, and accounted for 20% of all new registered vehicles.

Superminis – small hatchbacks such as the Ford Fiesta and Vauxhall Corsa – continued to be the country’s most popular category of car, making up nearly 30% of all new vehicles.

Hawes said he believed the VAT cut on new ZEVs would be a significant step to reinvigorate electric vehicle sales. In 2022, the government scrapped its last financial incentive for private electric vehicle buyers when it ended grants of up to £1,500 for new purchases.

Hawes said: “We thought the taking away of previous consumer support for EV take-up was too early. When you get through the first adopters, they will buy an EV, it is that second wave of people, getting it to mass market, to the people that are more hesitant, they are the ones that will benefit from support.

“We think the VAT cut is the right support to give, it is time limited, it is appropriate and it delivers the consumer and the government the environmental outcome it wants.”

A government spokesperson said: “To drive the UK’s move to electric vehicles, we have provided over £2bn to cut down purchase costs for drivers and to build the necessary infrastructure to support their usage, such as local electric vehicle infrastructure funding, targeted plug-in vehicle grants and low first year vehicle excise duty.”

Read more:
Electric car sales flatline as manufacturers call for VAT cut

The Yorkshire city of Sheffield is to get a new competitor rail service to London, promising faster travel times than the existing trains.

FirstGroup, the listed passenger transport company, has submitted plans to launch a so-called open access service between Sheffield and London King’s Cross from 2025.

Open access rail services are those in which operators run their own private operations independent of government contracts directed by the Department for Transport. Such operations bear all the risk of the service but also stand to reap all the financial rewards.

FirstGroup currently runs such open access services between King’s Cross and Edinburgh, on its discount fare ­Lumo operation, and on services to Hull. Both operate on the east coast main line, a part of the network otherwise almost exclusively used by LNER, the renationalised train company.

LNER does not operate a direct ­service to Sheffield, with passengers having to change at Doncaster.

What is intriguing about the FirstGroup direct service proposition is that it will effectively compete with the ­services between Sheffield and London St Pancras operated by East Midlands Trains on the separate Midland main line network via Leicester and Derby.

FirstGroup’s proposals to the Office of Rail and Road suggest an initial two return journeys a day between King’s Cross and Sheffield calling at Retford, Worksop and Woodhouse, and one that will be faster than the two-hour East Midland Trains service.

It says its service is needed because the current arrangements are not working. “Almost three quarters of trips between London and Sheffield are ­currently made by car with a further 9 per cent of trips made by coach,” FirstGroup said. “A competitively priced new rail offering will help ­stimulate a shift from road to rail.”

FirstGroup says its service would be the first regular service between King’s Cross and Sheffield since 1968 and would also give the Nottinghamshire town of Worksop its first regular direct London trains in decades.

Open access is not a new concept but its take-up has been sporadic. In ­addition to First’s existing operations, Grand Central, part of the Arriva group, also runs trains on the east coast main line between London and York and Sunderland.

Read more:
New London to Sheffield train service planned for 2025

One of the world’s largest insurance companies has been forced to pay thousands of pounds in interest to small businesses whose Covid insurance payout claims were delayed.

The QBE Group’s initial payout just before Christmas of more than £386,000 to 86 companies raises the potential for a total outlay by insurers of up to £1.6bn in interest to customers, it is claimed.

About 60 insurers have been accused of unfairly delaying making payouts on business interruption policies to 370,000 small businesses, from restaurants and bars to hairdressers and guesthouses.

Last year, the UK’s financial ombudsman ruled that an 8% annual rate of interest should be paid on the sum, pro rata, roughly covering the period between the claim being declined and it being actually paid.

The payment by the QBE Group of £386,215 to the clients of the loss assessor is said to be a key step towards thousands more businesses receiving similar payouts.

Jeff Salmon, chief executive of Salmon Assessors, said his clients had suffered two years of injustice and that others should come forward to make claims.

“To say this was a ‘David and Goliath scenario’ is an understatement,” he said. “It was an uphill slog, with the insurers seemingly purposely procrastinating every step of the way.”

About 370,000 small businesses made insurance claims after the coronavirus lockdowns left them unable to trade. Many of those policyholders had their claims initially declined on the grounds that the business interruption policies were not designed to cover a government-imposed lockdown.

In 2020, the high court found in favour of policyholders after the Financial Conduct Authority brought a test case to court, but six of the eight insurers named in the case, Arch Insurance, Argenta, Hiscox, MS Amlin, QBE and RSA, appealed.

It was not until the supreme court ruled in the policyholders’ favour in 2021 that some claims were paid out.

Businesses then sought compensation for the delays in payments. In a key case, the financial ombudsman ruled that a dental practice whose claim had been initially declined but later approved should be paid interest by its insurer, QBE.

The company had subsequently sought further clarification of the ruling but paid up just before Christmas. Salmon said that every policyholder should now claim interest from their insurance company if the claim was delayed.

With QBE paying out £4,500 on average in interest to each claimant, the total potential cost to the insurance industry was said by Salmon to be more than £1.6bn.

A spokesperson for QBE said: “Covid-19 business interruption claims can be very complex. As such, the claims handling process is sometimes unavoidably lengthened. Naturally, QBE always ensures that we comply with all our regulatory and legal obligations related to these claims, that we consider our customers’ particular circumstances and that we handle the claims in as timely a manner as possible.”

Read more:
Insurer forced to pay thousands of pounds to small firms hit by Covid payout delays

HSBC has become the first leading bank to cut mortgage rates below 4 per cent as a new year price war between lenders gathers pace.

The bank cut rates by up to 0.85 percentage points on Wednesday, releasing a five-year fixed rate at 3.94 per cent for customers coming off their existing deals. The reduction would save someone with a £200,000 25-year mortgage £96 a month — £1,152 a year — in repayments.

It also released a two-year fix at 4.49 per cent, the first time since June that a two-year deal has been available at below 4.5 per cent.

The rate cuts put the bank at the top of the best buy tables and come after Halifax and Leeds Building Society cut mortgage rates on Tuesday by up to 0.92 percentage points.

David Hollingworth from the mortgage broker L&C said: “These cuts are just the latest salvo in an increasingly fast-moving market and others will be bound to follow suit. We thought 2024 would start with a bang and that’s proving to be the case.”

Generation Home and the specialist lender Bluestone Mortgages also said on Wednesday that they would cut mortgage rates while First Direct, HSBC’s sister bank, will also make large reductions on Friday.

Many of the cuts so far this week have been particularly big because some banks did not make any reductions just before Christmas to avoid being swamped by demand from borrowers, so they need to catch up.

The cuts are also being driven by fierce competition in a mortgage market that is expected to be smaller than previous years, plus expectations that the Bank of England base rate might soon be cut from 5.25 per cent.

“The pressure is on the other leading lenders to lower rates,” Aaron Strutt from the mortgage broker Trinity Financial said. “Banks and building societies want to lend more money and they understand the negative effect these higher rates have on the property market and wider economy.

“Lenders will be working out their strategies for the year and trying to figure out how to boost their lending figures, which in many cases were shockingly low last year. Many borrowers have been holding off remortgaging or purchasing a property because of high rates, so new sub-4 per cent fixes should give them a bit more confidence to refinance or get on the property ladder.”

Some 1.6 million homeowners are due to come to the end of their fixed-rate deals this year, the trade association UK Finance said, most of whom were previously on rates of 2.5 per cent or below.

Those people still face paying more when they remortgage, but rates falling from their highs last summer when the cheapest deals were between 5.5 and 6 per cent will take out some of the sting.

Rates have steadily fallen over the last three months on the back of a sharp fall in the rate of inflation, which went from 8.7 per cent for the year to May to 3.9 per cent in November. This has been followed by widespread expectations that there will soon be a cut in Bank rate, which went from its record low of 0.1 per cent in December 2021 to 5.25 per cent in August last year as the Bank of England tried to tame inflation.

Bank policymakers, including Andrew Bailey, the governor, have stressed that it will need to remain at this level for an extended period to ensure inflation returns to the 2 per cent target. But most of the 41 economists polled by The Times expect at least two cuts to Bank rate this year because inflation has fallen faster than expected.

Read more:
Mortgage rates cut as new year price war intensifies

SpaceX has launched the first set of Starlink satellites capable of providing network coverage directly from space to standard smartphones in a service designed to eliminate global “dead zones”.

Elon Musk’s space business signed deals with a series of wireless carriers in 2022 to launch the service: T-Mobile US confirmed yesterday that the first six satellites were in low-Earth orbit after being deployed from a Falcon 9 rocket.

The direct-to-cell service will begin with text messaging, with data and voice calls added from 2025. Canadian operator Rogers, Australia’s Optus, KDDI from Japan and One New Zealand have also signed up.

Dr Sara Spangelo, director of satellite engineering at SpaceX, said the launch was “an exciting milestone” for the company to demonstrate its technology, which would be scaled up “rapidly” with partner operators around the world.

The company said that more than half a million square miles in the US alone, and vast stretches of ocean around the planet, are unreachable by terrestrial network coverage.

Mike Katz, at T-Mobile US, said: “This is another step forward in keeping our customers connected even in the most remote locations as we work to make dead zones a thing of the past.”

SpaceX’s high frequency and relatively low cost has made it the world’s dominant launch company. Musk, its founder and chief executive, claimed that it had carried 80 per cent of all the mass lifted into orbit last year.

Read more:
SpaceX puts direct-to-phone Starlink satellites in orbit to eliminate smartphone ‘dead zones’

Next has raised its profit forecast for the fifth time in less than a year after reporting better-than-expected sales in the run-up to Christmas.

The high street retailer said full-price sales were up 5.7% in the nine weeks to 30 December compared to last year.

The figure, revealed in a trading update from the firm on Thursday, is £38m better than the 2% rise it previously forecast for the period.

As a result, Next said it was upgrading its pre-tax profit guidance for 2023/24, not including exceptional items, by £20m to £905m.

That would represent a 4% rise on the £870m it made in 2022/23.

The chain, which has around 460 stores in the UK and an online presence in dozens of countries abroad, reported particularly strong website sales, which increased 9.1% in the nine weeks to the end of last month.

Next said it expects full-price sales to rise 2.5% in 2024/25, and pre-tax profit to increase by 5%.

The company said rising wages were likely to ease cost of living pressures on shoppers in the new year, while it also aims not to rise prices for like-for-like goods thanks to falling manufacturing costs.

Its trading update said: “On the face of it, the consumer environment looks more benign than it has for a number of years, albeit there are some significant uncertainties.”

Risk factors identified by Next for the new year include a potential rise in unemployment which could hit sales.

The chain also cautioned that rising tensions resulting from the Israel-Hamas war and attacks on shipping in the Red Sea could hit its supply chains.

“Difficulties with access to the Suez Canal, if they continue, are likely to cause some delays to stock deliveries in the early part of the year,” the trading update warned.

Charlie Huggins, a manager at investment firm Wealth Club and a Next shareholder, said the company had “pulled yet another rabbit out of the hat” and claimed the figures “demonstrated once again why it is considered one of the best run retailers around”.

He added: “Next’s core proposition is clearly resonating with the UK consumer and is being augmented by intelligent acquisitions of brands like Fat Face.

“With inflation falling and wages rising, the economic picture also looks a lot less bleak than at the start of last year.”

Shares in Next leapt by more than 5% in early trading on Thursday following the trading update.

Read more:
Next raises profit forecast but warns stock could be delayed by Red Sea attacks

Keir Starmer has said he is “fundamentally opposed” to axing or reducing inheritance tax, as he made a landmark speech before a widely-expected general election.

The Labour leader vowed to challenge the Conservatives on their economic record, as he insisted Labour would not seek to solve the country’s problems “armed only with a big state cheque book”.

In a speech at a research centre near Bristol, Starmer hinted that Labour may have to consider hiking other taxes or restrict public spending if it puts cutting income tax or national insurance in its election manifesto, as is reportedly under consideration.

Asked if he would overturn a reduction in inheritance tax after a speech at a research centre near Bristol, the Labour leader said: “We’re fundamentally opposed to what the Tories are pretending they are going to do.

“They floated this last year, they’re floating it again now, I don’t know whether they’re going to do it. But I would’ve thought by now that they would’ve learned the lesson that further tax breaks for those who are the best-off with nothing for working people is not a good idea.

“I don’t believe in tax breaks for those who are already well-off when there’s nothing on offer for working people. So, I wouldn’t be doing what they’re floating.”

Won’t solve UK problems armed only with a big state cheque book’

Sir Keir Starmer has said he is “ready” for a general election in a new year’s speech in south-west England.

He argued that government must be ambitious to tackle future problems rather than trying to mop up issues “armed only with a big state cheque book”.

In a speech at a research centre near Bristol, the Labour leader said: “I don’t see our job as going back to some kind of golden age, I don’t think that’s how working people look at things at all.

“Government in this country is too centralised and controlling, and, because of that, too disconnected from the communities it needs to serve.

“Despite hoarding all that power, it also lacks ambition. A view of the potential of government that is content just to mop up problems after the fact, armed only with a big state cheque book, we’ve got to change this. It’s vital for taking on the profound challenges of our era.

“I promise this: a new mindset, mission government, an understanding that at the core of everything we do that it is our job to tackle tomorrow’s challenges today.”

Sir Keir Starmer said he wanted to fight an election on the Conservatives’ economic record.

He took aim at Rishi Sunak’s party, claiming its former electoral strength of economic competence had become a weakness after thirteen years in power.

In a new year’s speech, he said: “We don’t just expect an election on the economy. We want an election on the economy and we’re ready for that fight, ready to close the book on the trickle-down nonsense once and for all.”

He also pledged a “crackdown on cronyism”, with a message to fellow politicians: “To change Britain, we must change ourselves.

“Nobody will be above the law in a Britain that I lead.”

Sir Keir Starmer was pressed on whether Labour in power would unfreeze income tax thresholds, but declined to give a specific answer.

He told ITV: “I do want more people to have more money in their pocket. That’s a fundamental principle we start with.

“Now, the question is how do we get to that? I’m challenged on tax all of the time. The first lever that we want to pull, the first place we will go, is growth in our economy because that’s what’s been missing for 14 years.”

He added: “Any tax cuts have to be fair and affordable, and we have to be realistic about that. But I think the place to go is to growth on this. ”

£28bn green fund – dead?

Attacks on Labour’s plans to borrow £28 billion a year to invest in green energy are “misconceived”, Sir Keir Starmer has said.

Asked by GB News about where the funding would come from, the Labour leader said: “We have set out how that will be funded.

“The money that is needed for the investment that is undoubtedly needed, saying that the £28 billion will be ramped up in the second half of the Parliament, that it will be subject of course to any money that the Government is already putting in, and it will be subject to our fiscal rules.

“That means that if the money is from borrowing, which it will be, borrowing to invest, that the fiscal rules don’t allow it, then we will borrow less.

“It is very clear and that is why this attack is utterly misconceived on this.

“It is a very clear strategy and, frankly, I think most people understand the argument, it is an everyday argument that you have to invest in the future, and that is what we will do.”

Read more:
Starmer sets out Labour’s election agenda on Inheritance tax, borrowing, taxes and £28bn green fund

In an era defined by environmental awareness and sustainability, UK businesses are increasingly turning to solar energy as a viable and strategic solution.

The rising importance of renewable energy sources has put solar power in the spotlight, emphasizing its critical role in reducing carbon footprints and operational costs. This trend has catalyzed a growing demand for skilled solar panel installers, as companies seek to harness the long-term benefits of solar energy.

The economic and environmental drive

The shift toward solar energy isn’t solely a response to ecological concerns; it represents a sound economic decision for businesses. Advancements in photovoltaic technology have rendered solar panels more efficient and cost-effective, making them a practical choice for businesses of various sizes. By tapping into solar power, companies can significantly reduce their dependence on the national grid, leading to lower utility bills. This change aligns with the UK government’s commitment to achieving net-zero carbon emissions by 2050, positioning businesses as leaders in sustainable practices.

The crucial role of solar panel installers

Transitioning to solar power involves more than purchasing panels. It entails expert installation and maintenance to ensure the solar system operates at maximum efficiency. Professional solar panel installers are vital in this process. They assess a business’s specific energy needs and site conditions to design optimal solar solutions. Their expertise ensures that solar panels are strategically placed for maximum sunlight exposure, increasing the system’s energy output and efficiency.

Understanding financial incentives and grants

The UK government offers several financial incentives for businesses that adopt solar energy, such as tax benefits, grants, and schemes like the Smart Export Guarantee (SEG). These incentives not only make the initial investment in solar technology more affordable but also accelerate the return on investment, making solar energy a financially viable option for many businesses.

The profound environmental impact

Switching to solar energy has a significant positive impact on the environment. By reducing reliance on fossil fuels, businesses contribute to lowering greenhouse gas emissions, the leading cause of climate change. Solar energy provides a clean and renewable alternative, in line with global efforts to reduce environmental degradation.

The bright future of solar energy in business

The future of solar energy in the UK’s business sector is promising. With ongoing advancements in technology, solar panels are expected to become even more efficient and cost-effective. This, combined with increased environmental awareness and governmental support, is likely to drive more businesses toward adopting solar energy.

Solar energy as a business strategy

Incorporating solar energy into business operations isn’t just an environmental decision; it’s a strategic move that can enhance a company’s brand image and appeal to an increasingly eco-conscious consumer base. Businesses that adopt green practices like solar energy can leverage this in their marketing and branding, differentiating themselves in a competitive market.

The expanding solar market and opportunities

The expanding solar market in the UK opens up numerous opportunities for growth and innovation. As businesses adopt solar energy, they contribute to a growing ecosystem that supports green jobs, stimulates local economies, and fosters technological innovation.

Solar energy has become an integral part of the UK’s energy strategy, reflecting a commitment to sustainability and economic prudence. With the help of skilled solar panel installers, UK businesses are well-positioned to reap the benefits of this green revolution. As we look to the future, the role of solar energy in powering the UK’s business sector is set to become increasingly prominent, marking a new era of eco-friendly and economically sound business practices.

For more information and resources on the benefits of solar energy for businesses, the Energy Saving Trust offers comprehensive guidance and support.

Read more:
The transformative power of solar energy for UK businesses

Losing a loved one is an emotionally challenging experience, and that’s putting it mildly. There are very few experiences in our lives that will be as profound and disruptive as the death of someone that we care about.

It is going to be hard to focus on anything, let alone something that can seem as petty as taking care of paperwork. But amidst the grief, there are numerous practical and legal considerations that demand attention.

Understanding the potential legal issues that can arise after the death of a family member or friend is crucial for ensuring a smooth transition and resolving matters appropriately. In this comprehensive guide, we delve into the nuanced legal landscape that follows the passing of a loved one, offering expert insights and practical advice to navigate these complexities.

Probate And Estate Administration: Unravelling The Legal Tapestry

One of the primary legal processes that follow a person’s death is probate, the official proving of the deceased person’s will. Probate involves identifying and gathering the deceased’s assets, settling outstanding debts, and distributing the remaining estate among beneficiaries. While not all estates require probate, it is a critical process for ensuring the proper administration of the deceased’s affairs.

Engaging the services of a solicitor experienced in probate and estate administration is advisable. A legal professional can guide the executor through the intricacies of probate, helping to navigate the legal requirements, complete necessary documentation, and ensure the efficient distribution of assets.

A Will Dispute: Resolving Contention Among Heirs

Despite the best intentions, disputes can arise among heirs, leading to contentious situations that may require legal intervention. Disputing a will can happen for various reasons, including disagreements over the validity of the will, concerns about undue influence, or disputes regarding the distribution of assets. Resolving such disputes demands a delicate and informed approach.

In the event of a contested will, seeking legal advice promptly is crucial. A solicitor specialising in contentious probate matters can assess the circumstances, advise on the validity of claims, and represent parties involved in the dispute. Early legal intervention may help mitigate the risk of prolonged and emotionally taxing legal battles. It’s always best to find will dispute solicitors who have experience in this area, and who understand how emotional and difficult this process can be. Hugh James has decades of experience, and they have a strong track record of helping their clients to get the results that they are looking for.

Intestacy: Navigating Without A Valid Will

When a person passes away without a valid will, their estate is distributed according to the rules of intestacy. Intestacy laws determine the beneficiaries and the share each is entitled to, typically prioritising spouses, children, and other close relatives. However, these predetermined rules may not align with the deceased’s wishes, highlighting the importance of having a legally valid will.

In cases of intestacy, legal advice is essential to guide the family through the complexities of estate distribution. A solicitor can assist in determining the rightful heirs, obtaining the necessary grants of representation, and overseeing the distribution of assets in compliance with intestacy laws.

Inheritance Tax: Navigating The Financial Implications

Inheritance tax is a significant consideration in the probate process, and understanding its implications is crucial for both the executor and beneficiaries. The value of the estate, the relationships between the deceased and the beneficiaries, and any applicable exemptions all influence the amount of inheritance tax payable.

Consulting with a solicitor who specialises in tax matters is advisable to navigate the intricacies of inheritance tax. It can be a complicated issue, and there is always going to be a discussion of it every time a chancellor announces a new budget. A legal professional can provide guidance on available reliefs and exemptions, help with tax calculations, and ensure compliance with tax obligations.

Challenges With Assets Abroad: Cross-Border Legal Considerations

Dealing with assets located abroad adds an extra layer of complexity to the legal proceedings following a loved one’s death. Different jurisdictions may have varying rules and regulations regarding inheritance, taxation, and estate administration. Navigating cross-border legal considerations demands expertise in international probate law.

Engaging a solicitor with experience in cross-border estate administration is crucial when dealing with assets in multiple jurisdictions. Legal professionals can coordinate with foreign legal authorities, ensure compliance with local regulations, and facilitate the efficient transfer of assets across borders.

Contesting The Validity Of The Will: Grounds For Legal Challenge

In some cases, individuals may seek to contest the validity of a will based on specific grounds. Common grounds for challenging a will include allegations of undue influence, lack of testamentary capacity, or improper execution. Contesting the validity of a will is a sensitive legal matter that requires careful consideration of the evidence and legal principles.

Seeking legal advice from a solicitor experienced in will disputes is essential when considering a challenge to the validity of a will. Legal professionals can assess the grounds for contestation, gather evidence, and guide individuals through the legal process, offering clarity on the likelihood of success.

Debt Settlement: Addressing Financial Obligations Of The Deceased

We mentioned settling outstanding debts earlier in this article, but it can be a tricky business and it’s well worth going into in a little more detail. Handling the financial obligations of the deceased, including outstanding debts and liabilities, is a critical aspect of estate administration. Executors must identify and settle the debts using the assets from the estate. Failing to address these financial obligations properly can result in complications and potential legal challenges.

Consulting with a solicitor knowledgeable in probate and debt settlement is advisable to navigate the intricacies of financial obligations. Legal professionals can guide executors in identifying and addressing outstanding debts, ensuring compliance with legal requirements, and protecting the interests of the estate and beneficiaries.

Advisory Services For Beneficiaries: Understanding Legal Rights

Beneficiaries of an estate may find themselves in need of legal advice to understand their rights and ensure fair treatment. Disputes may arise over the interpretation of the will, concerns about asset distribution, or questions about the conduct of the executor. Seeking legal counsel can provide clarity and assistance in navigating these issues.

Engaging a solicitor experienced in estate and probate matters is valuable for beneficiaries seeking legal advice. Legal professionals can review the terms of the will, address concerns, and advocate for the rights of beneficiaries, ensuring a fair and lawful distribution of assets.

Conclusion: Navigating Legal Challenges with Expert Guidance

The legal issues that can occur after the death of a loved one are multifaceted and demand a nuanced understanding of probate, wills, taxation, and potential disputes. By seeking expert legal guidance early in the process, individuals can navigate these complexities with confidence, ensuring that the legal affairs of the deceased are handled appropriately and that the rights of heirs and beneficiaries are protected. Legal professionals play a crucial role in providing clarity, facilitating the resolution of disputes, and guiding families through the intricate legal landscape that follows the passing of a loved one. This is an incredibly difficult process for anyone to go through, but you don’t have to go through it alone. A good solicitor will help you to find your way through this journey.

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Navigating The Legal Landscape After You Lose Someone You Love

The government has sold 1.03 per cent of its shares in Natwest as it continues to quietly reduce its stake in the bank.

According to a stock exchange announcement, the Treasury reduced its stake from 37.97 per cent to 36.94 per cent.

It is unclear what price the shares were sold at. The stock closed at 220p on Tuesday. Natwest and the Treasury did not respond to a request for comment on details of the sale.

It follows a similar move at the beginning of December when the Treasury reduced its holdings in the bank from 38.53 per cent to 37.97 per cent.

The government acquired an 84 per cent stake in the lender, then known as Royal Bank of Scotland, during the financial crisis and has been trying to unwind the position ever since. The government plans to fully sell its shares by 2026.

However, the taxpayer has lost out as the bank’s shares have tumbled far below the 499p price paid by the government.

The stock fell below 200p in October and November as the bank’s public image suffered from the fallout of a row with former Ukip leader Nigel Farage over the closure of his Coutts account.

Chief executive Dame Alison Rose resigned in July after she admitted to discussing the Brexiteer’s Coutts account with the BBC.

The scandal prompted a wide-ranging inquiry into “debanking” by the City watchdog, as well as a surge in complaints over the issue.

Chancellor Jeremy Hunt has said that the government is looking at a Tell Sid-style share sale plan for Natwest, offering its stake to retail investors.

A Treasury spokesperson said: “This update shows that our ongoing trading plan continues to make progress towards the government’s objective to return its shareholding in Natwest to private ownership in a way that represents value for money to taxpayers.”

Read more:
Government sells off more NatWest shares ahead of Hunt’s Tell Sid-style share sale plan

Shipping giant Maersk said Tuesday it will pause operations in the Red Sea “until futher notice” after another attack by Iran-backed Houthi rebels in Yemen over the weekend.

“We have decided to pause all transits through the Red Sea/Gulf of Aden until further notice,” the Danish company said in a statement to customers. “In cases where it makes most sense for our customers, vessels will be rerouted and continue their journey around the Cape of Good Hope.”

Maersk said last week it was prepared to allow vessels to resume sailing through the Red Sea, thanks to the start of a U.S.-led international naval operation to protect ships from Houthi rebel attacks.

Houthi rebels based in Yemen have been attacking commercial vessels in the Red Sea for months in retaliation for Israel’s assault on the Hamas-ruled Gaza Strip. The attacks have caused major disruptions in shipping, with many companies pausing or rerouting shipments around the Cape of Good Hope, adding costs and delays.

Maersk paused all Red Sea sailings for 48 hours signaled after another attack on Saturday. On Monday, the company signaled it would once again resume shipments after the pause expired but has since reversed course.

“We remain committed to minimizing the impact on our customers’ supply chains and will continue to keep you updated on the situation,” the company said.

Read more:
Maersk pauses shipping operations in Red Sea indefinitely after new attacks

As the UK and EU come together with a new renewables and climate change strategy, exporters and importers will face new reporting requirements and tax levies, say leading tax and advisory firm Blick Rothenberg.

Simon Sutcliffe, a customs expert and Partner at the firm, said: “The two customs unions of the UK and EU are aligning them themselves closer and closer in terms of a climate plan. The detailed reporting requirements and taxing of companies who move these types of goods, although a worthy cause, will add to the administrative burden and cost for business and no doubt increase prices for consumers as these costs are passed on.”

He added: “New reporting requirements and taxes due to be set in motion in 2024 will see the UK and EU move closer to each other in their climate change and environmental levies targeting import and export companies which will mean them paying higher levies and possibly fines.”

Simon said: “The proposed UK Carbon Border Adjustment Mechanism (CBAM) is measure that will be in addition to the UK’s existing Plastic Packaging Tax (PPT) which already that taxes UK manufactured plastic packaging for goods and goods imported in plastic packing for sale in the UK marketplace.”

He added: “HMRC will begin the process of consultation in 2024 before implementation in 2027. CBAM will cover recording the importation of goods that have a carbon impact and will cover such items as iron. steel, aluminium, glass, ceramics, fertilizer, and electricity, with a view to taxing those carbon polluting industries by 2027.”

Simon said: “The EU already has EU CBAM and has plans for a similar UK style PPT tax plan called the ‘EU Plastic Levy’ but it’s scope and implementation is not currently aligned across all the EU states. The EU may formalise their Plastic Levy commitments in the coming years to align the UK and the EU further on environmental issues surrounding trade and supply chains of certain goods.”

He added: “UK Companies already struggle with administering the UK’s Plastic Packaging Tax (PPT) having sufficient access to the production processes further down their supply chain to be able to comply with the tax. The introduction of another levy requiring even more information will put further strain upon them.

“Now as the UK draws nearer to the EU on its renewables and climate change combatting methods by the adoption of a new reporting requirement and tax levies aimed at importers and exporters, businesses will have to understand and have access to their supply chains to meet the reporting requirements.”

Read more:
UK and EU climate change strategy will see new reporting procedures and rising consumer prices

Eurostar has received a scolding from the UK’s advertising watchdog after misleading passengers over the price of ticket fares on routes to and from London.

In a statement, the Advertising Standards Authority (ASA) accused Eurostar International of falsely representing the number of ticket fares on offer at an advertised price of £39.

A promotional email to customers from the Channel Tunnel’s high-speed operator invited passengers to “treat yourself to a European getaway … from just £39 each way.”

The email noted holidaymakers should “make the most of the long days and sunny rays with a summer getaway in August or September. Book now to grab a bargain to Paris, Brussels or Lille,” including a link underneath labelled “low fare finder.”

Eurostar International claimed a total of 39,000 seats were available at the advertised rate across the routes mentioned. The operator believed the terms and conditions of the promotion were “prominently displayed directly underneath the main copy of the ad,” and that the advertised “from” price had not been exaggerated.

But the ASA said today it had upheld a complaint from a consumer, who argued they could only find one seat from London to Paris at the advertised £39 price.

The body ruled Eurostar International Ltd must “ensure that when using ‘from’ price claims in future, a “significant proportion” of fares must be available at the “advertised price.”

Despite Eurostar’s promotion stating there were 9,500 standard class seats between London and Paris, the ASA’s investigation found the number of £39 fares made up a “very small percentage of available tickets for travel” on the route.

Eurostar has the capacity for nearly 900 passengers on its 16-carriage trains and has been running 12 trains per day between London and Paris, suggesting the operator has scope to sell over 300,000 standard, business and first class tickets available per month.

The ASA also reviewed the number of seats available on the two other promoted routes, including Brussels and Lille to London. It came to the same verdict, following data provided by Eurostar.

The ASA therefore concluded that the claim “treat yourself to a European getaway from just £39 each away… with a summer getaway in August or September,” was misleading and breached codes of conduct pertaining to spurious advertising.

It comes after a troubled month for the high-speed operator. Shock strikes at the Channel Tunnel battered travellers just days before Christmas, halting Eurotunnel services for an afternoon.

Rain and flooding then led to the cancellation of Eurostar services to London, Paris, Brussels and Amsterdam, disrupting thousands of New Year plans on Saturday 28 December.

The beleaguered operator is already being forced to cancel trains from Amsterdam to London for at least six months next year due to engineering works at the Dutch capital’s Centraal Station.

A spokesperson for Eurostar said: “We value customer feedback, including complaints and take great care in the way that we word our advertising and the number of tickets that we offer at the promotional price during particular time periods.”

“We understand and take on board the ASA’s ruling which is related to seat availability in part of the promotional period, and we are committed to ensuring that this scenario does not occur again.”

Read more:
Eurostar misled passengers with £39 fare promotion for European getaways, watchdog rules

Rachel Reeves is weighing up plans to offer income tax or national insurance cuts in Labour’s general election manifesto to show that the party is on the side of “opportunity and aspiration”.

The shadow chancellor is facing pressure from frontbenchers to make a “retail” offer on tax to voters who are struggling with the cost of living crisis. She has said she makes “no apology for wanting working people to have more money” and that she believes the tax burden is too high.

Reeves believes that tax cuts offered by Labour must be “bombproof” and should not threaten the party’s fiscal credibility, which she views as integral to an election win.

Labour’s offer will also be contingent on the Conservative Party’s tax plans, with Rishi Sunak considering cuts to inheritance tax or income tax in the spring budget as he seeks to turn around his electoral fortunes.

The party’s focus, if it decides to push ahead with cuts in the manifesto, is likely to be on payroll — income tax and national insurance — as part of a package of measures to incentivise work and grow the economy. It would depend on the economic outlook improving.

While Labour is likely to support any Tory pledge to cut income tax in the spring budget, it has made clear its opposition to Conservative plans to scrap or reduce inheritance tax on the basis that this would predominantly benefit the wealthy.

Reeves has said that cutting inheritance tax “is not the right priority”.

One senior member of the shadow cabinet said: “We need to show that we get what people are facing, that we’re on their side. There should be a flagship offer on tax.”

A source close to Reeves said: “She has said she wants to see the tax burden come down. She has made the argument that taxes on working people are too high. Any offer has got to be bombproof; it’s got to be credible. Labour has lost the last few elections because we’ve gone into them being seen as against opportunity and aspiration.”

Darren Jones, the shadow chief secretary to the treasury, said that Labour wanted to cut taxes for working people. He said: “What we’ve not been coy about is the tax burden is higher than it has been for a very long time. We want taxes to come down on working people. That’s why we supported the cuts.”

Asked if that included wealthier voters, he said: “People who go to work to earn a living, yeah. People who pay income tax, national insurance — the burden is higher than it’s ever been.”

The Tories will focus their economic attacks on Labour’s plans to borrow £28 billion to spend on green investment. Jeremy Hunt, the chancellor, has said that Labour is being “fundamentally dishonest” and will have to ultimately break its own fiscal rule to make sure government debt is falling as a percentage of national income.

There have been questions within Labour over whether it will retain the £28 billion green investment pledge. Reeves has made clear that she will prioritise keeping to her fiscal rules over all policies.

Paul Johnson, the head of the Institute for Fiscal Studies, has said that neither Labour or the Tories are being open about their spending plans given the scale of cuts expected over the next five years to maintain current fiscal rules.

“Neither side is being completely open here. Hunt makes his numbers add up by pencilling in big spending cuts without saying what they’ll be. Labour know that spending pressures will be very strong and not just for £20 billion of green investment. Their numbers won’t add up any better without either those same cuts or higher taxes.”

Reeves has already ruled out introducing wealth taxes to raise money, including a mansion tax on expensive properties or increasing rates charged on capital gains from shareholdings and property. She has also ruled out increasing the top rate of income tax.

In August she told The Sunday Telegraph: “We don’t have any plans to increase taxes outside of what we’ve said. I don’t see the way to prosperity as being through taxation. I want to grow the economy.” Of the prospect of any form of wealth tax, she added: “We won’t be doing that.”

Read more:
Labour is considering tax cuts to become ‘party of opportunity and aspiration’

HSBC is stepping up its battle to lure customers away from digital upstarts such as Revolut and Wise with the launch of a foreign exchange payments app to spend, send and convert international currencies.

The Zing app, which is set to be available on the Google and Apple app stores in Britain from today, will allow users to hold cash in ten different currencies, to spend money “like a local” in more than 200 countries and to make international transfers at “competitive rates” across more than 30 currencies.

Crucially, it will be free to download for non-HSBC customers as the FTSE 100 lender puts a squeeze on the new generation of financial technology groups that have stolen market share amid increasing demand for cheaper travel and cross-border retail banking services.

James Allan, founder and chief executive, said Zing would provide “a new kind of international payments solution — one that combines cutting-edge innovation with the support of an experienced global bank”. He said it would help members to “live their best international lives”.

City analysts see the move as a defensive attempt by the global bank to compete with the digital disruptors that have soared in popularity in the past decade and to attract new users who it can then convert to other HSBC products.

Revolut, the cross-border payments platform, has built up more than 30 million users since its launch in London in 2015. It was named Britain’s most valuable private technology group in July 2021, with an implied value of $33 billion, although that figure has fallen significantly after writedowns by a number of key investors.

Wise was floated on the London stock market in 2021 at a valuation of £8 billion and its share price, after being bruised by the subsequent global technology sell-off, rebounded by 50 per cent last year. Its stock retreated by as much as 3.5 per cent yesterday.

Kristo Kaarmann, Wise’s chief executive, said that HSBC’s new venture could be “exciting for killing hidden fees”, adding that the new app “will surely have real exchange rates with transparent pricing if they’re serious about competing”.

Zing will be regulated by the Financial Conduct Authority as an e-money institution rather than as a bank. Its deposits will not be protected under the Financial Services Compensation Scheme but will be held in a separate bank account.

Both Revolut and Wise have benefited from rising interest rates, which have lifted their returns from the cash held in customer accounts. HSBC, which intends to roll its app out across international markets later in the year, said that interest would not be paid on cash balances but users would enjoy “transparent fees and competitive rates”.

Read more:
HSBC’s foreign exchange app Zing set to take on Revolut and Wise

According to a disclosure obtained by Axios, Fidelity, a mutual fund that owns a stake in X Holdings, has marked down the value of its shares by a staggering 71.5% since Musk’s purchase.

This equates to a loss of approximately $31.5 billion, bringing X’s estimated value down to $12.5 billion.

Since Musk’s takeover, X has witnessed a significant decline in its user base. In the first year alone, the number of monthly users dropped by 15%. This decline can be attributed to concerns over the rise of hate speech on the platform, leading to a loss of user trust and engagement.

One of the primary reasons for the decline in X’s value and user base is the growing concern over hate speech on the platform. Users and advertisers have raised alarming issues regarding the platform’s moderation and handling of hate speech. To address these concerns, X has made several changes, including staff cuts and reduced moderation.

European Union Warning

In September, the European Union issued a warning to Musk after a study revealed that X had the highest ratio of disinformation posts among large social media platforms. The study highlighted the platform’s struggle to combat the spread of false information and disinformation, further damaging its reputation and user trust.

Fallout from Advertising Boycott

X faced significant backlash and a boycott from major companies following Musk’s endorsement of an antisemitic conspiracy theory. The New York Times reported that several companies pulled their advertising from the platform, resulting in a substantial financial blow. Musk’s response to the boycott, telling companies to “go fuck yourself,” further exacerbated the situation and highlighted the platform’s struggle with maintaining a positive image.

Elon Musk’s actions and decisions have played a crucial role in X’s decline. Since taking over the platform, Musk has reinstated several individuals who were previously banned, including former President Donald Trump and right-wing conspiracy theorist Alex Jones. These controversial figures have further fueled the platform’s association with divisive content and disinformation.

Both Trump and Jones have faced significant legal troubles and public scrutiny. Trump is currently facing over 90 criminal charges related to the subversion of the 2020 election, retention of government secrets, and hush-money payments to Stormy Daniels. Jones recently proposed a $55 million settlement to the Sandy Hook families, who sued him for spreading lies about the 2012 school shootings. These ongoing legal battles and controversies have contributed to the negative perception surrounding X and its association with controversial figures.

Despite the decline of X and its tarnished reputation, Elon Musk remains the world’s richest man, with a net worth of $251 billion according to Forbes. The value loss of X has not significantly impacted Musk’s personal wealth, but it has raised questions about his decision-making and the long-term sustainability of the platform.

Future Outlook

As X grapples with the fallout from its value decline and the controversies surrounding its moderation and content, the platform faces an uncertain future. Rebuilding user trust and addressing the concerns over hate speech and disinformation will be crucial for its survival and potential resurgence.

Read more:
Mutual fund Fidelity says value of X down by over 71% since purchase by Musk and name change from Twitter

Google and the University of Cambridge have entered a multi-year research partnership focusing on responsible Artificial Intelligence (AI), with the goal of investigating the potential positive impacts on society such as tackling climate change.

As part of the agreement, Google will collaborate with the University’s Centre for Human-Inspired Artificial Intelligence (CHIA), concentrating on essential AI research initiatives in mutual areas of interest, as well as AI ethics and safety.

Research projects will focus on responsible AI, human-centred robotics, human-machine interaction, healthcare, economic sustainability, and climate change, according to Google.

Matt Brittin, President of Google EMEA, remarked that this collaboration is instrumental in shaping the path of responsible AI development. It highlights a substantial commitment in promoting the secure adoption of this technology.

Matt Brittin, President of Google EMEA: “By collaborating with one of our world-leading British academic institutions, we can enable AI research that is bold, responsible and designed to meet the needs of people across the country.”

Margo Waldorf CEO of Change Awards commented: “The safety and ethics of using AI are critical subjects across the industry, so it is great to see Google and the University of Cambridge pioneer the research in the responsible use of the technology. These changemakers are paving the way for others to discuss ethics and safety and promote the application of technology for the greater good of humankind.”

“On the industry side, the change management practitioners welcome the task of driving the change adoption across the internal and external communities to ensure the practical application of the research findings.”

Tom Dunning, CEO and Founder of Ad Signal, commented: “The greatest downfall of AI is the blanket adoption from businesses jumping on the latest trend without first assessing whether AI is the best tool for the job. While AI undoubtedly has its benefits, both the training of models and the components that power it require carbon-heavy materials to produce, colossal cooling and increase network traffic significantly.”

“Industry and academia must therefore take the lead in ensuring the development and adoption of responsible AI for benefits such as climate change through environmental reporting and analysis. Organisations such as Google and the University of Cambridge have the capacity and responsibility to shift the market towards less carbon-intensive solutions, while also reducing the carbon output of AI.

This partnership will hopefully pave the way for a new approach towards AI, and one the greatly considers its environmental impact.”

Read more:
Pioneering the Future: Google and Cambridge Join Forces for Responsible AI Innovation

In today’s fast-paced and competitive business landscape, maximising efficiency and productivity is the key to success. And one crucial factor that plays a significant role in achieving this goal is outsourced IT support.

By delegating IT tasks to professionals, businesses can focus on their core operations and improve their overall performance.

Outsourced IT support services provide businesses with a team of experts who are dedicated to managing and maintaining their IT infrastructure, systems, and applications. This not only ensures that technology is running smoothly but also allows businesses to benefit from the latest innovations and advancements in the IT field. They can access a wide range of technical expertise without the need for additional training or hiring in-house IT staff.

Moreover, outsourced IT support offers scalability, allowing businesses to easily adjust their IT resources according to their needs. Whether it’s managing network security, data backup and recovery, or providing 24/7 technical support, these services can be tailored to fit the specific requirements of each organisation.

In this article, we will explore the critical role of outsourced IT support in maximising efficiency and productivity for businesses. From cost savings to enhanced security, we’ll delve into the numerous advantages that come with outsourcing IT support. So, let’s dive in and discover how your business can thrive with outsourced IT support.

The Importance of Efficient and Productive IT Support

Efficient and productive IT support is crucial for businesses of all sizes and industries. It ensures that technology systems are running smoothly, minimising downtime, and maximising productivity. In today’s digital age, businesses heavily rely on technology for day-to-day operations, communication, data management, and more. Any disruptions or inefficiencies in these systems can have a significant impact on business operations and customer satisfaction.

By investing in outsourced IT support, businesses can ensure that their IT infrastructure is well-maintained and optimised. This allows employees to focus on their core responsibilities, without being burdened by IT issues. A dedicated IT support team can proactively monitor systems, identify potential problems, and resolve them before they escalate. This proactive approach saves time, reduces downtime, and improves overall productivity.

Efficient IT support also plays a crucial role in keeping up with the rapid pace of technological advancements. Technology is continuously evolving, and businesses need to stay updated to remain competitive. Outsourced IT support provides access to a team of experts who are well-versed in the latest trends and innovations in the IT industry. They can help businesses adopt new technologies, streamline processes, and leverage digital solutions to drive efficiency and productivity.

Understanding Outsourced IT Support

Outsourced IT support involves partnering with a third-party provider who takes responsibility for managing and maintaining a business’s IT infrastructure and systems. This can include tasks such as network management, hardware and software installation and upgrades, data backup and recovery, cybersecurity, and technical support.

These services are typically delivered through a service level agreement (SLA), which outlines the scope of services, response times, and performance metrics. Outsourced IT support can be provided remotely, where the provider manages IT systems from their own location, or on-site, where the provider has a physical presence at the client’s premises.

The outsourced IT support provider becomes an extension of the business’s IT department, working closely with internal stakeholders to understand their requirements and align IT services with business goals. This collaborative approach ensures that the outsourced IT support team becomes familiar with the business’s unique needs, processes, and priorities, enabling them to provide tailored solutions and support.

Outsourced IT support can be a cost-effective solution for businesses, as it eliminates the need to hire and train in-house IT staff. It also provides access to a wider range of technical expertise, as providers often have a team of specialists who can handle different aspects of IT support. This flexibility allows businesses to scale their IT resources up or down based on their needs, without the hassle of recruitment or downsizing.

Benefits of Outsourcing IT Support

Outsourcing IT support offers numerous benefits for businesses looking to maximise efficiency and productivity. Let’s take a closer look at some of the key advantages:

Cost Savings

One of the primary benefits of outsourcing IT support is cost savings. Hiring and maintaining an in-house IT team can be expensive, as it involves salaries, benefits, training, and infrastructure costs. By outsourcing IT support, businesses can benefit from predictable monthly costs based on their specific service requirements. This allows for better budgeting and cost control, as businesses only pay for the services they need.

Outsourced IT support also eliminates the need for investing in expensive IT infrastructure and software licenses. Providers often have access to the latest technologies and tools, which they can leverage on behalf of their clients. This reduces upfront costs and ensures that businesses have access to cutting-edge solutions without the need for large investments.

Expertise and Technical Skill

IT support providers specialise in managing and maintaining IT systems. They have a team of experts with diverse skill sets and technical knowledge. This expertise allows businesses to tap into a wide range of IT services and solutions, without the need for additional training or hiring.

In-house IT teams may not always have the same level of expertise or exposure to the latest technologies. By outsourcing IT support, businesses can leverage the knowledge and experience of professionals who are up-to-date with industry trends and best practices. This ensures that businesses receive high-quality support and recommendations, leading to improved efficiency and productivity.

Enhanced Security

In today’s digital landscape, cybersecurity is a top concern for businesses. Cyber threats are constantly evolving, and businesses need robust security measures in place to protect their sensitive data and systems. Outsourced IT support providers specialise in cybersecurity and can implement comprehensive security measures to safeguard businesses against potential threats.

These providers have the expertise to identify vulnerabilities, implement firewalls and encryption, conduct regular security audits, and respond to security incidents promptly. They stay updated with the latest security practices and can help businesses stay one step ahead of cybercriminals. By outsourcing IT support, businesses can have peace of mind knowing that their systems are protected against potential breaches.

24/7 Technical Support

Technical issues can occur at any time, and businesses need prompt support to minimise downtime and disruptions. Outsourced IT support providers often offer 24/7 technical support, ensuring that businesses have access to assistance whenever they need it.

This round-the-clock support can be crucial for businesses with operations in different time zones or those that operate outside regular business hours. It allows for faster issue resolution, reduces downtime, and ensures that employees can work seamlessly without IT-related disruptions. With outsourced IT support, businesses can focus on their core operations, knowing that any IT issues will be promptly addressed.

Scalability and Flexibility

Outsourced IT support offers scalability and flexibility, allowing businesses to adjust their IT resources according to their needs. As businesses grow or experience fluctuations in demand, their IT requirements may change.

Outsourced IT support providers in Surrey, London or across the UK can easily scale up or down their services to accommodate these changes. This eliminates the need for businesses to hire or lay off IT staff, which can be a time-consuming and costly process. Businesses can simply communicate their changing needs to the provider, and the IT support team will adjust their services accordingly.

This scalability also extends to technological advancements. Providers can help businesses adopt new technologies and solutions as their needs evolve, ensuring that they stay up-to-date with the latest tools and innovations in the IT industry. This flexibility allows businesses to remain agile and competitive in a rapidly changing business landscape.

Common IT Support Challenges Faced by Businesses

Before delving into how outsourced IT support can help overcome these challenges, let’s first identify some of the common IT support challenges faced by businesses:

Lack of In-House Expertise

Many businesses do not have the necessary expertise or resources to effectively manage and support their IT infrastructure. In-house IT teams may not have the specialised knowledge required to handle complex issues or emerging technologies. This can lead to inefficiencies, delays in issue resolution, and increased downtime.

Limited Resources

Small and medium-sized businesses, in particular, often face resource constraints when it comes to IT support. They may not have the budget to hire a dedicated IT team or invest in expensive hardware and software solutions. Limited resources can hinder their ability to effectively manage and maintain their IT systems, leading to reduced productivity and competitiveness.

Cybersecurity Risks

Cyber threats are a constant concern for businesses, regardless of their size or industry. The evolving nature of cyber attacks makes it challenging for businesses to keep up with the latest security measures and best practices. Lack of robust cybersecurity measures can lead to data breaches, financial losses, reputational damage, and legal consequences.

Downtime and Disruptions

IT issues can cause significant downtime and disruptions to business operations. Whether it’s a server failure, network outage, or software glitch, these issues can result in lost productivity, missed deadlines, and dissatisfied customers. Resolving these issues in a timely manner is crucial for businesses to maintain their competitive edge.

Keeping Up with Technology

Technology is evolving at a rapid pace, with new tools and solutions constantly emerging. Keeping up with these advancements can be challenging for businesses, especially those without dedicated IT staff. Falling behind in technology can hinder businesses’ ability to innovate, streamline processes, and meet customer expectations.

How Outsourced IT Support Can Help Overcome These Challenges

Outsourced IT support can help businesses overcome the common challenges mentioned above. Let’s explore how:

Access to Expertise and Technical Skill

By outsourcing IT support, businesses gain access to a team of experts with specialised knowledge and technical skill sets. These professionals have experience in managing diverse IT systems and are up-to-date with the latest industry trends. They can handle complex issues, implement best practices, and provide recommendations to improve efficiency and productivity.

Cost-Effective Solution

Outsourced IT support offers a cost-effective solution for businesses, especially those with limited budgets. Instead of hiring and training in-house IT staff, businesses can leverage the expertise of an outsourced provider at a fraction of the cost. The predictable monthly expenses allow for better budgeting and cost control.

Enhanced Security Measures

Cybersecurity is a high priority for businesses, and outsourced IT support providers specialise in implementing robust security measures. They can conduct risk assessments, develop cybersecurity strategies, and implement solutions to protect against potential threats. By outsourcing IT support, businesses can ensure that their systems and data are secure.

Proactive Issue Resolution

Outsourced IT support providers often have proactive monitoring systems in place to identify and resolve issues before they escalate. They can monitor IT systems 24/7, identify potential vulnerabilities, and take preventive measures. This proactive approach minimises downtime and disruptions, allowing businesses to operate smoothly.

Scalability and Flexibility

Outsourced IT support offers scalability and flexibility, allowing businesses to adjust their IT resources as needed. Providers can easily scale up or down their services based on the changing needs of the business. This eliminates the need for businesses to invest in additional IT staff or infrastructure during periods of growth or downsizing.

Focus on Core Operations

By outsourcing IT support,businesses can free up their internal resources to focus on their core operations. Instead of spending time and effort on managing IT systems, employees can dedicate their energy to business-critical tasks. This improves overall productivity and allows businesses to allocate resources where they are most needed.

Factors to Consider When Choosing an Outsourced IT Support Provider

Choosing the right outsourced IT support provider is crucial for maximising efficiency and productivity. Here are some factors to consider when making your selection:

Experience and Expertise

Look for a provider with a proven track record and extensive experience in managing IT systems. Consider their expertise in your industry and the specific IT services and solutions you require. A provider with relevant experience can better understand your business’s unique needs and provide tailored support.

Service Level Agreement (SLA)

Review the SLA offered by the provider to ensure it aligns with your business requirements. Pay attention to response times, performance metrics, and the scope of services included. The SLA should clearly outline the provider’s responsibilities and the level of support you can expect.

Security Measures

Cybersecurity is a critical aspect of IT support. Inquire about the provider’s security measures, such as firewalls, encryption, and incident response protocols. Ensure that they comply with industry standards and regulations to protect your sensitive data and systems.

Scalability and Flexibility

Consider whether the provider can accommodate your business’s changing IT needs. Can they easily scale up or down their services? Do they have the resources to handle your growth and expansion plans? Scalability and flexibility are essential for long-term partnerships.

Communication and Collaboration

Effective communication and collaboration are key to a successful partnership with an outsourced IT support provider. Ensure that they have a responsive communication channel and a dedicated point of contact. This will facilitate smooth coordination and timely issue resolution.

Client References and Reviews

Request client references or read reviews from businesses that have worked with the provider. This will give you insights into their reputation, customer satisfaction levels, and the quality of their support. A provider with positive reviews and satisfied clients is more likely to deliver excellent service.

Best Practices for Managing Outsourced IT Support

To maximise the benefits of outsourced IT support, businesses should follow these best practices:

Clear Communication

Maintain open and clear communication with the outsourced IT support provider. Clearly communicate your expectations, priorities, and any changes to your IT requirements. Regularly update them about your business’s goals and challenges to ensure they can provide the necessary support.

Regular Performance Reviews

Conduct regular performance reviews with the provider to assess their adherence to the SLA and overall service quality. Address any concerns or areas for improvement promptly. This helps maintain accountability and ensures that the provider meets your business’s expectations.

Collaborative Approach

Treat the outsourced IT support provider as an extension of your internal team. Foster a collaborative relationship by involving them in IT strategy discussions and decision-making processes. This will enable them to align their services with your business goals more effectively.

Training and Knowledge Transfer

Encourage knowledge transfer between the outsourced IT support provider and your internal team. This can be done through training sessions, workshops, or regular knowledge-sharing meetings. By empowering your internal team with the necessary skills and knowledge, you can enhance the overall effectiveness of the outsourced IT support.

Regular Updates and Reporting

Request regular updates and reporting from the provider to stay informed about the status of your IT systems. This includes performance reports, security audits, and any potential risks or vulnerabilities. Regular updates enable you to make informed decisions and take proactive measures.

Continuous Improvement

Continuously evaluate and improve the outsourced IT support partnership. Solicit feedback from your internal team and the provider to identify areas for improvement. Regularly review the SLA and adjust it as needed to ensure that it remains aligned with your evolving business needs.

Cost Considerations of Outsourced IT Support

When considering outsourced IT support, cost is an important factor to evaluate. The cost of outsourced IT support can vary depending on factors such as the level of services required, the size of the business, and the complexity of the IT infrastructure. However, it is essential to consider the long-term cost savings and benefits that outsourcing can provide.

While outsourcing IT support may involve upfront costs, it eliminates the need for investing in expensive IT infrastructure, software licenses, and in-house IT staff. The predictable monthly costs of outsourcing allow for better budgeting and cost control. This can result in significant cost savings compared to the expenses associated with hiring and maintaining in-house IT resources.

It is important to carefully evaluate the pricing structure and the services included in the outsourced IT support agreement. Compare different providers and their offerings to find the best fit for your business’s needs and budget. Consider the provider’s reputation, expertise, and track record in delivering high-quality IT support services in Croydon, Oxted, London, Surrey or across the UK.

Remember that while cost is an important consideration, it should not be the sole determining factor. The quality of support, expertise, and the provider’s ability to meet your business’s specific requirements should also be taken into account. A reliable and competent outsourced IT support provider can deliver long-term value and help maximise your business’s efficiency and productivity.

Conclusion

Outsourced IT support plays a critical role in maximising efficiency and productivity for businesses of all sizes and industries. By partnering with a reputable provider, businesses can access expertise, cost savings, enhanced security, and scalability. Outsourced IT support in London, Surrey or across the UK allows businesses to focus on their core operations, while professionals manage and maintain their IT systems and infrastructure.

When choosing an outsourced IT support provider, consider factors such as experience, security measures, scalability, and communication. Regularly review the provider’s performance and maintain open communication to ensure that the partnership remains effective.

With the right outsourced IT support in place, businesses can overcome common IT support challenges, stay updated with the latest technologies, and drive efficiency and productivity. By investing in outsourced IT support, businesses can position themselves for success in today’s fast-paced and competitive business landscape.

Read more:
Maximising Efficiency and Productivity: The Critical Role of Outsourced IT Support for Businesses

Over the last few years, especially following Brexit, UK construction and material costs have risen exponentially.

Many businesses are finding that their margins are being squeezed due to the cost of raw materials rising because of increased demand and limited supply. But that’s not the only thing that’s impacted the price of raw materials. Everything from stock trading to environmental issues can impact the cost of business materials.

We break down some factors below.

How do political issues impact business markets?

Businesses will have experienced first-hand that domestic and international policies can impact the prices of materials. This is normally due to the direct consequences of the policies or simply because of increased uncertainty during times of change. For example, when governments change their trade policies, the cost of raw materials can change due to the different tariffs imposed on the materials.

But it’s not just trade policy that can impact materials prices. Uncertainty can have a big – if not more significant – impact on trades. For example, fuel and oil prices jumped in 2023 when Russia invaded Ukraine.

How do diplomatic events in other countries impact businesses?

Although it’s easy to assume that only events domestically will impact your business. However diplomatic disputes in other countries can impact your business and trading. If countries have diplomatic disagreements, exports can be blocked, or high tariffs imposed.

Supply and demand: how does trading impact it?

Stock trading, particularly in commodity markets, plays a vital role in shaping the supply and demand of raw materials. The stock market serves as a platform where investors trade financial instruments representing commodities. This includes CFDs for raw materials. As with any type of trading, the impact trading can have on commodities like raw materials can be huge.

How to use CFDs to keep prices low

Traders often use CFDs to take positions on the future price movement of raw materials. One way they can keep prices low is by ‘shorting’ the materials. This means that traders profit from a decline in prices. This activity makes the market much more liquid and can put less pressure on the prices of the materials, helping to keep them low.

Final thoughts…

CFDs are key when it comes to keeping business material costs low – but that doesn’t mean it’s simple. Business materials are impacted by a wide range of social and political factors that can be hard to predict. Traders using CFDs can short materials and can help keep prices in check for businesses. While these practices can provide benefits to businesses, there are some risks to the market ecosystem. As trading becomes more advanced, regulators must have oversight of the market so that prices remain fair.

Read more:
How does trading impact business materials?  

Kruger National Park tours are fascinating and adventurous tours giving you a chance to learn about the park’s and its animal’s history.

You will be exposed to extreme weather conditions and uneven terrain that can trouble you if you are unprepared for the trip.

What Things Should I Prepare For the Kruger National Park Tour?

You have to keep the below-stated essentials when going on a tour at Kruger National Park:

Snacks and Water

Snacks and water will always come first, whether you are going for a few hours or the whole day. Keeping yourself well nourished is essential to avoid collapsing on your park tour.

Things can go wrong if you assume you will quickly get food on the park’s premises. You might not find the stock in the shops there; therefore, prepare in advance to stay hydrated in the scorching heat.

Map of the Park

If it’s your first time visiting the Kruger National Park tours, don’t forget to bring the park’s map in your backpack. A physical map will assist you in such situations rather than relying on the park’s digital application.

Why? You never know about the signal or network availability there. The hard copy of the map will become your guide in navigating through the trails and finding the attractions you always wanted to visit. Save the maps in your souvenir collection that will remind you about your park visits and hiking times.

Sunscreen

Your whole day will be spent bearing the sun’s rays. Hence, sunscreen will protect you from the heat. It will save your skin from getting damaged and even from sunburn that can destroy your trip.

Bug Repellant

Please carry a bug repellant if you are allergic to insects. You will be vulnerable to many creatures crawling on the ground that can bite you ahead. Do proper homework on what type of insects are waiting for your arrival at the park and take the precautionary measures accordingly.

It’s crucial to note that not all sprays can work in all environments. Therefore, look for the one usually used while visiting Kruger National Park.

Comfortable Shoes

Wear comfortable shoes when going on this tour. Otherwise, you can injure your feet while walking over the rugged terrain. People make the mistake of wearing flip-flops, open-toed shoes, and casual slippers, which does not result well. Therefore, wear joggers or boots for such expeditions.

If you are planning to take a tour of Kruger National Park, then contact the management.

Frequently Asked Questions

Still looking for more info? We’ve compiled a list of FAQs – check them out!

Is it necessary to keep sunscreen as an essential item?

Yes, keep sunscreen on to protect you from sunburns. In this part of the world, UV index can reach extremely high levels, especially during the summer months.

Can we wear casual slippers?

Casual slippers are not recommended for such tours as your feet will get hurt. While there’s no official rule against wearing casual slippers at Kruger National Park, it’s generally not recommended for safety reasons.

Read more:
List of Things To Pack For Kruger National Park Tours

In the ever-evolving landscape of cybersecurity, you, as a business owner or cybersecurity professional, must be one step ahead of potential threats.

One way to achieve this is through a well-engineered threat modeling process. This proactive approach allows you to understand and anticipate potential threats and, most importantly, design measures to mitigate them before they materialize.

Threat modeling is a structured approach that enables you to identify potential threats and vulnerabilities in your system or application, assess their possible impacts, and prioritize your security efforts accordingly. This process isn’t just about looking at potential threats but also involves understanding how your systems can be exploited and what you can do to prevent such occurrences.

The value of threat modeling cannot be overstated. By anticipating potential security threats, you can strategically allocate resources, design better systems, and improve your overall security posture. But before you can utilize this tool effectively, you need to understand the various threat modeling methods available.

What is Threat Modeling?

Threat modeling is a systematic approach used in cybersecurity to identify, prioritize, and mitigate potential threats in a system or application. It involves a structured assessment of your system’s vulnerabilities, the potential threats that could exploit them, and the impact such exploitation could have on your overall security posture.

The process begins with creating a detailed representation of your system, including its components, how they interact, and the potential entry points for threats. This is followed by the identification of potential threats and their corresponding vulnerabilities. After this, you assess the potential impact of these threats and devise strategies to mitigate them.

Threat modeling is not a one-time process but a continuous one. As your system evolves, so too do the potential threats and vulnerabilities. Therefore, you must consistently update your threat model to reflect these changes.

The Main Threat Modeling Methods

Several threat modeling methods are available to you, each with its unique approach to identifying and mitigating threats. Two of the most popular methods are STRIDE and PASTA.

• STRIDE, an acronym for Spoofing, Tampering, Repudiation, Information disclosure, Denial of service, and Elevation of privilege, was developed by Microsoft. It focuses on identifying threats based on the type of violation that could occur in a system. Each letter in the acronym represents a different type of threat. STRIDE is particularly useful for systems that have well-defined interactions and components.
• PASTA, on the other hand, stands for Process for Attack Simulation and Threat Analysis. This risk-centric methodology focuses on simulating potential attack paths and assessing the potential impact of these attacks. PASTA allows for a more holistic understanding of the system’s risk exposure, making it a good choice for complex systems with many potential attack vectors.

In addition to STRIDE and PASTA, there are other threat modeling methods like STRIKE, FIXED, and CVSS.

• STRIKE, which stands for System, Threat, Reporting, Identification, Key, and Evaluation, is a method that focuses on the system’s functionality and its potential weaknesses. It helps identify threats by understanding the system’s functionalities and how they could be exploited.
• FIXED, on the other hand, is a method that focuses on identifying and patching potential vulnerabilities in a system. It involves a detailed analysis of the system’s components and interactions to identify and fix potential weaknesses.
• CVSS, which stands for Common Vulnerability Scoring System, is a standard used in the IT industry to rate the severity of security vulnerabilities. It provides a way to capture the principal characteristics of a vulnerability and produce a numerical score reflecting its severity. CVSS scores can help prioritize responses to vulnerabilities.

Choosing the Right Threat Modeling Framework

The upsurge of data breach incidents, with a staggering 953 reported cases in 2023 alone, underscores the urgency of stepping up our cybersecurity measures. Selecting the appropriate threat modeling framework is crucial. This choice should not be arbitrary but carefully geared towards the problem and your specific goals.

To choose, first consider the complexity of your system. If your system is complex with many potential attack vectors, a more comprehensive method like PASTA might be better. On the other hand, if your system is more straightforward with well-defined components and interactions, STRIDE could be a better fit.

Consider also your resources and capabilities. Some threat modeling methods may require more resources and expertise than others. Make sure the method you choose aligns with what you have available.

When choosing the right threat modeling framework, here are some tips to keep in mind:

• Understand Your Specific Needs: Every organization has unique security needs. Understanding these needs is the first step to choosing the proper framework, as it allows you to select a model that aligns with your organizational structure and threat landscape.
• Consider the Stage of Development: Threat modeling should ideally be incorporated during the early stages of software development. Therefore, when choosing a framework, you should consider where you are in the development process and how the model will fit into it.
• Evaluate the Model’s Comprehensiveness: A good threat modeling framework should offer a holistic understanding of threats. It should be able to identify and prioritize potential threats, document data flows and security controls, and provide strategies for threat prevention and mitigation.
• Familiarize Yourself with Terminology: Understanding terms such as threat agent, impact, likelihood, controls, preventions, and mitigations, is crucial for effective threat modeling. Therefore, choose a framework with clear, understandable terminology.
• Ensure Regular Re-assessment: Threat landscapes continually evolve due to emerging technologies and changing business environments. Therefore, choose a framework emphasizing the importance of regularly revisiting and updating the threat model to keep up with these changes.

In an increasingly digital world, the importance of threat modeling cannot be overstated. With the right threat modeling method, you can anticipate threats, design better security measures, and improve your overall security posture. As technology evolves, so too will threat modeling methods. By staying informed about these developments, you can ensure that your threat modeling efforts remain effective and relevant.

In conclusion, threat modeling is an essential tool in your cybersecurity toolkit. By understanding the different methods and choosing the right one for your circumstances, you can significantly enhance your organization’s security.

Read more:
Comparing Threat Modeling Methods

With the rise of the gig economy and the increasing number of individuals making money online, the UK government is introducing new measures to tackle tax evasion.

As part of these measures, popular online platforms such as eBay, Airbnb, and Etsy will now be required to report the income of their sellers directly to HM Revenue and Customs (HMRC). The move, dubbed the “Side Hustle Tax,” aims to ensure that individuals and businesses are paying the correct amount of tax on their online earnings.

The decision to implement these regulations comes as HMRC seeks to crack down on tax evasion and ensure a level playing field for all taxpayers. The rise in online marketplaces and the growing popularity of side hustles have made it easier for individuals to generate additional income outside of their primary employment.

By requiring platforms like eBay, Airbnb, and Etsy to report seller income directly to HMRC, the government aims to increase transparency and ensure that all taxable income is declared. This move will make it harder for individuals to evade their tax obligations and level the playing field for traditional businesses that have been subject to strict reporting requirements for years.

According to recent statistics, the number of individuals making money online has skyrocketed in recent years. The gig economy, which includes various types of freelance work and side hustles, has witnessed significant growth, with an estimated 4.7 million people in the UK now working in this sector. However, concerns have been raised that some individuals may not be accurately reporting their online earnings, resulting in lost tax revenue for the government.

The implementation of the Side Hustle Tax aims to address these concerns, ensuring that online sellers are paying their fair share of taxes. By requiring platforms to report income, HMRC will have access to accurate data about individual earnings, enabling them to identify potential tax evaders and take appropriate action.

While the new regulations may be seen as a positive step towards increasing tax compliance, some individuals and businesses are concerned about the potential impact. Small-scale sellers on platforms like eBay and Etsy, who may rely on their online income to supplement their primary earnings, may find the additional reporting requirements burdensome.

Experts suggest that the new regulations could result in increased costs for businesses, as they may need to invest in systems to automate the reporting process. Additionally, there are concerns that the Side Hustle Tax could discourage individuals from engaging in online entrepreneurship, stifling innovation and creativity in the digital economy.

However, supporters argue that the regulations will create a fairer tax system, ensuring that everyone pays their fair share. They believe that the increased transparency will help deter tax evasion and promote a more level playing field for all businesses, both online and offline.

In response to the new regulations, a spokesperson from eBay stated, “We are committed to ensuring that our sellers comply with tax regulations. We will work closely with HMRC to ensure a smooth implementation of the reporting requirements.”

It is worth noting that the Side Hustle Tax is not unique to the UK. Countries such as the United States and Australia have also implemented similar measures to address tax evasion in the digital economy.

As the gig economy continues to grow and more individuals turn to online platforms to generate income, it is crucial for governments to adapt their tax policies to keep pace with these changes. The Side Hustle Tax represents the UK government’s efforts to ensure that individuals and businesses are paying their fair share and contribute to the overall tax revenue.

While the new regulations may face some challenges and concerns, it is hoped that they will ultimately contribute to a fairer and more transparent tax system, benefiting both the government and the individuals and businesses involved in the online marketplace.

Read more:
HMRC introducing new side hustle tax targets Britons making money online

China’s BYD has taken the lead over Tesla as the top electric car maker worldwide.

BYD, a Chinese automobile manufacturer, has surpassed Tesla, which is owned by Elon Musk, to become the number one seller of electric vehicles in the world.

Warren Buffett, the renowned American investor, has been a staunch supporter of BYD since 2008. It appears that the company will produce more cars than Tesla for the second year in a row.

BYD, Build Your Dreams, reported that 3.02m of its new energy vehicles were produced in 2023, surpassing Tesla’s 1.84m cars that were revealed on Tuesday.

BYD’s overall sales include 1.6 million battery-only vehicles and 1.4 million hybrids, putting Tesla in the lead when it comes to the production of just battery-powered autos.

In the final three months of 2019, BYD surpassed Tesla in purely electric vehicle sales; they sold 526,000 as opposed to Tesla’s 484,000.

BYD’s products are generally priced lower than Tesla, which obtains a fifth of its sales from China.

BYD and Nio, two Chinese electric car manufacturers, have been aiming to become major players in the international market, primarily Europe.

In December, Chinese auto maker BYD announced they would be constructing a new facility in Hungary. This is in conjunction with their current five models available for sale in Europe and the further three models they plan to launch this year.

In 2021, the firm stated that it would not be constructing its earliest European vehicle plant in Britain due to Brexit’s effects.

By 2030, the highest-selling electric car producer in China is striving to sell approximately 800,000 vehicles a year in Europe.

BYD declared that the United Kingdom was not among the top 10 possible sites for its first European car factory, as per a recent report in The Guardian.

Wang Chuanfu, a former professor from university, established the Hong Kong-listed BYD in 1995 and plans to become a major player in the international electric vehicle industry.

The development of technology in our modern world has been exponential, greatly surpassing our expectations. There has been a significant rise in the advancement of tech, far beyond what was predicted at the beginning of the 21st century. The speed of progress has been extraordinary, with more and more capabilities being added to the world of technology every day.

Read more:
BYD overtakes Tesla as world’s top electric vehicle manufacturer

Joseph Black and Oliver Jacobs are the founders of tech firm UniTaskr which helps struggling students find flexible work and real-life experiences with some of the world’s leading companies including Amazon, Sony, Spotify, and Red Bull.

The company’s success has been built upon its technology platform and user app, which regularly tops the “Lifestyle & Business” category on Apple’s App Store, thanks to a workforce of over 300,000 verified students, offering services such as blogging, digital marketing, photography to over 20,000 client businesses.

Earlier this year, UniTaskr entered the US market where it has added thousands of members to its network, with anywhere up to 1,000 students joining every day. Such figures have enabled UniTaskr to surpass its projected targets for 2023, with an 80% increase in revenue and 30% expansion in its total user base, solidifying its reputation as the “go-to” provider of skilled freelance services.

Why are multinational companies like Amazon and Spotify so keen to utilise a student workforce?

JB – Multinational corporations like Amazon and Spotify value the student workforce for its inherent agility, fresh perspectives, and tech-savvy nature. Students bring a dynamic blend of innovative ideas, adaptability, and a pulse on evolving trends, making them an invaluable asset in industries seeking modern insights and nimble approaches. Their diverse skill and cutting-edge tech familiarity, align perfectly with the fast-paced, innovation-driven environments these companies operate within. Hiring students not only infuses new energy but also introduces a wealth of contemporary thinking and digital fluency, essential for driving forward-thinking strategies within these global entities.

Since founding UniTaskr how has your market changed and how have you adapted to it?

OJ – The market landscape has evolved drastically, witnessing a global surge in demand for youth based freelance talent. To adapt, UniTaskr focused on enhancing its technological platform, introducing innovative new tools like the ‘UGC Studio,’ and strategically targeting industry leaders. This journey involved continuous feedback-driven enhancements, scaling operations, and catering to the diverse needs of an expanding user base. By embracing these changes, UniTaskr positioned itself as a responsive and agile platform, effectively meeting the evolving demands and expectations of both freelancers and clients within the dynamic freelance ecosystem.

What factors influenced your decision to expand your business into the USA and what challenges did you have to overcome in the process?

OJ – The decision to expand into the USA was influenced by the country’s tech-friendly ecosystem, vast market potential, and innovative landscape. Challenges included navigating different regulatory frameworks, understanding diverse consumer behaviours, and establishing a brand foothold in an evolving market. Adapting our strategies to resonate with American audiences and comprehensively understanding regional nuances were crucial. Overcoming these obstacles involved meticulous market research, agile adaptation of our business model, and forming strategic partnerships to effectively establish UniTaskr’s presence within the US market.

How does the business environment in the USA align with your overall business strategy and goals?

JB – The business environment in the USA remarkably aligns with our overarching strategy at UniTaskr. The US offers an exciting opportunity due to its emphasis on innovation and robust entrepreneurial spirit. This alignment perfectly complements our global ambition of revolutionising youth based freelance work. The market’s receptiveness to innovative solutions and disruptive technologies resonates with our aim to continuously evolve and offer cutting-edge solutions. UniTaskr’s strategic goals of expansion and innovation align seamlessly with the USA’s business landscape, fostering an environment conducive to achieving our long-term objectives.

UniTaskr recently secured a million-pound investment. How will the business utilise it?

OJ – Our recent million-pound investment will be pivotal in steering our growth trajectory. The funds will primarily fuel several key areas within our business. We aim to allocate a significant portion to scaling our operations, expanding our user base, and enhancing our technological infrastructure. Additionally, we’ll invest in further research and development efforts to introduce new features, ensuring an enriched user experience. Strategic market penetration, particularly in vital regions like the US and UK, forms a crucial part of our investment strategy. Overall, these funds will be instrumental in driving UniTaskr’s innovation, market expansion, and sustained growth as a leading freelance platform.

What is the key in your mind to attracting and securing investment?

JB – In my view, the key to attracting and securing investment lies in several fundamental aspects. Firstly, having a compelling and clear vision for the business is paramount. Investors are drawn to innovative ideas with a strong value proposition and a well-defined market need. Additionally, demonstrating a robust and scalable business model, backed by concrete data and market validation, is crucial. Building and showcasing a passionate, skilled team capable of executing the vision effectively significantly boosts investor confidence. Furthermore, fostering transparent and open communication, coupled with a track record of consistent progress and adaptability to market dynamics, forms the bedrock of attracting and securing valuable investments.

What challenges did you and your partner have to overcome to secure funding?

JB – Securing funding presented several challenges. One major hurdle was proving our platform’s scalability and market viability, especially as a relatively young company. Convincing investors of UniTaskr’s potential amidst market uncertainties was challenging. Additionally, differentiating ourselves in a competitive landscape required showcasing our unique value proposition effectively. Overcoming these obstacles involved persistent efforts in presenting data-backed evidence, a compelling narrative of our growth trajectory, and demonstrating the platform’s value proposition clearly. Building trust and credibility with potential investors was an ongoing process that required consistent dedication and resilience from both myself and my partner.

How important is relationship building when it comes to securing funding? What advice can you give to our readers who are starting their fundraising journey?

OJ – Relationship building is integral to securing funding. Establishing genuine connections and fostering trust with potential investors is crucial. Building strong relationships requires open, transparent communication, showcasing progress, and aligning goals and values. Advice for those starting their fundraising journey: Focus on building long-term relationships. Clearly articulate your vision and demonstrate how investor support aligns with their interests. Leverage networking opportunities, attend industry events, and seek mentorship. Remember, it’s not just about securing funds; it’s about building partnerships that support your business’s growth and success.

Read more:
Companies like Amazon and Sony are hiring students in droves – Meet the UK tech entrepreneurs supplying them

The number of first-time buyers who bought a home with a mortgage fell to its lowest level in a decade in 2023, according to a leading lender.

The figures, from Yorkshire Building Society, are the latest evidence that housing affordability has been stretched to the limit by rising mortgage interest rates and high house prices.

The lender calculated that across the UK there were an estimated 290,000 first-time buyers in 2023. That would be down by a fifth compared with 2022, when the number reached 370,000, and the lowest since 2013, when the total was 260,000.

In 2021 the number of first-time buyers was put at a 20-year high of more than 400,000 as the coronavirus pandemic prompted millions of people to think about changes to their lives and where they wanted to live, with a stamp duty holiday also strengthening sales.

The fall in the number of first-time buyers last year was less severe than the decrease in the overall number of buyers, said the Yorkshire. This meant the estimated proportion of first-time buyers was a slightly bigger share of homebuyers overall last year, at 54%, up from 53% in 2022.

The Yorkshire said that while activity across all borrower types had fallen because of higher interest rates, cost of living pressures and high house prices, first-time buyers remained determined to overcome these challenges to invest in their own bricks and mortar. But it added that borrowers were finding it harder to meet lenders’ affordability requirements.

The new figures come days after fellow building society Nationwide issued data highlighting how stretched housing affordability had become. It said a borrower earning the average UK income and buying a typical first-time buyer home with a 20% deposit would be saddled with a monthly mortgage payment equivalent to 38% of their take-home pay – well above the long-term average of 30%.

At the same time, said Nationwide, deposit requirements remained “prohibitively high” for many. A 20% deposit on a typical first-time buyer home equated to about 105% of the average annual gross income – though this is down from a high of 116% in 2022.

Ben Merritt, the Yorkshire’s director of mortgages, said: “First-time buyers are the lifeblood of the market and are still clearly keen to buy … The wider market relies on them, not least to support purchases higher up the chain.”

However, there is some hope for homebuyers, who endured a rollercoaster year in 2023. Many financial commentators expect several interest rate cuts this year, which should ease the cost of mortgage borrowing.

Just before Christmas, a five-year fixed-rate mortgage deal priced at below 4% went on sale for the first time since May, and brokers believe there will be more cuts over the coming weeks as banks and building societies compete for custom in the run-up to the traditional spring buying season.

The Yorkshire’s calculations are based on lending data from the banking trade body UK Finance up to September 2023, with buyer numbers for October, November and December 2023 estimated in line with previous first-time buyer patterns.

Read more:
Number of UK first-time buyers in 2023 was lowest in a decade

Rosebud Finance, a Lancashire-based business loans provider, has injected £5.8m into 43 businesses across the region since July 2019, when GC Business Finance was appointed as the funds delivery partner.

Rosebud is owned by Lancashire County Developments Ltd (LCDL), a wholly owned subsidiary of Lancashire County Council. Since 1986, Rosebud has provided loans to Lancashire businesses of all sizes, ranging from £10,000 to £300,000, helping them develop, grow and create jobs.

Alternative finance provider GC Business Finance has been the delivery partner for Rosebud Finance since July 2019. It works closely with the entrepreneurs to understand their business, guiding them through the loan process and instilling confidence.

This support spans across the entire Lancashire region, with business loans distributed across all 12 boroughs. Chorley and Preston have received the most support, both with seven businesses in each borough benefitting from the fund. Five businesses in Burnley also secured funding from Rosebud.

Rosebud takes a sector agnostic approach to funding, but is focused on innovative, ambitious businesses with plans to grow their teams. Businesses operating in the manufacturing and creative and digital sectors secured the most funding, accounting for 65 per cent of loans provided by Rosebud through GC Business Finance.

Across all of these businesses, Rosebud is forecasted to have created over 400 jobs in Lancashire.

Recent businesses supported through Rosebud include Accrington-based Pharma Sheet Metal, a sheet metal specialist, which secured a £200k loan. The Secret Garden Glamping, an award-winning glamping site in Skelmersdale, also secured a £250k loan to complete its current site, adding five additional pods to meet its strong demand.

Jonathan Nelson, fund manager at Rosebud said: “I am extremely proud of the impact the funding we provide has had on businesses across Lancashire. It showcases our important role in fostering regional economic prosperity, with over 400 jobs forecasted to have been created through our funding. This is why it is so important to unlock the growth potential of businesses and we are excited to continue this work, helping even more people and businesses in the region.”

Paul Breen, director of GC Business Finance said: “Helping growing businesses thrive is at the centre of what we do, so we are thankful for our partnership with Rosebud which has allowed us to support so many businesses across Lancashire. The success of the collaboration between Rosebud and GCBF showcases the importance of putting time and resources into supporting regional businesses, and the benefit this can have for regional job creation and economic growth.”

Councillor Aidy Riggott, Cabinet Member for Economic Development and Growth at Lancashire County Council, added: “The success of the Rosebud fund further demonstrates Lancashire’s key role as an innovation hub in the UK. Accessible business finance is essential to unlocking business potential in our region and strengthening our diverse regional economy. Rosebud has clearly had a strong positive impact in creating jobs and promoting economic prosperity across our region, and I look forward to seeing the effect it will continue to have in the coming years.”

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Rosebud accelerates the growth of 43 businesses across Lancashire  

Aldi and Lidl, the discount supermarkets, have enjoyed record Christmas trading amid the cost of living crisis.

Lidl reported a 12 per cent increase in sales year on year across the festive period. Sales at Aldi topped £1.5 billion for the first time in the four weeks to Christmas Eve, rising 8 per cent compared with the same period in 2022.

Friday December 22 was the busiest trading day ever for both discounters. At Aldi, 2.5 million customers shopped at the chain on that day alone.

At Lidl, 4.5 million more people came through the door in December and a fresh British turkey was sold every two seconds in the run-up to the big day. Many customers traded up to its Deluxe range of premium products, where sales rose 11 per cent.

Ryan McDonnell, chief executive of Lidl GB, said: “I’m incredibly proud of our performance this Christmas in what was the busiest trading period in our history. Deluxe proved to be a standout winner this Christmas with record-breaking sales as we saw customers not only start their festive celebrations early but trade up to premium lines across all categories.”

Sales of its Montaudon champagne brut doubled in December, while prosecco sales were up 45 per cent. Lidl’s popular Christmas jumpers remained in demand, with sales increasing by 40 per cent.

Aldi has pledged to keep prices low in the coming year. Giles Hurley, chief executive of Aldi UK and Ireland, said: “As we look ahead to 2024, our promise to customers is that they will always make significant savings on every shop with Aldi because we have the lowest grocery prices in Britain.”

The record sales come as food inflation fell for the eighth consecutive month thanks to retailers’ efforts to bring down prices in the run-up to Christmas. The latest figures from the British Retail Consortium show that food inflation was 6.7 per cent in December, down from 7.7 per cent in November.

Overall, shop price annual inflation was unchanged at 4.3 per cent in December. Non-food inflation rose to 3.1 per cent in the month, up from 2.5 per cent in November.

Helen Dickinson, chief executive of the British Retail Consortium, said: “Overall shop price inflation remained steady in December. Households did have reason to celebrate as food inflation fell for the eighth consecutive month thanks to retailers’ efforts to bring down prices in the run-up to Christmas.

“There was cause for merriment as prices of wine, port and sherry fell on the month. Non-food products had a more challenging December, with price inflation rising again following retailers’ investment in November Black Friday discounting and ahead of the January sales.”

She added: “Retailers will continue to do all they can to keep prices down in 2024, but there are obstacles on the road ahead. New border checks for EU imports, hundreds of millions more on business rates bills from April. Government should think twice before imposing new costs on retail businesses that would not only hold back vital investment in local communities, but also push up prices for struggling households.”

Read more:
Record Christmas for Aldi and Lidl as shoppers descent on discount supermarkets amid cost of living crisis

The price of bitcoin surged past the $45,000 mark, its highest since April 2022, on speculation that the US authorities are close to approving the first mainstream crypto-focused exchange-traded funds.

The digital currency was trading on Tuesday morning at $45,817, up by 3.6 per cent in the past 24 hours, though still far below the $69,000 it touched in November 2021.

The rally comes amid industry hopes that the US Securities and Exchange Commission will approve the first exchange-traded funds (ETFs) to reflect the bitcoin spot price.

BlackRock and Fidelity are among the mainstream asset management names to have applied in a move that could throw open the bitcoin market to millions and confer respectability on a currency still associated by many with money laundering and tax evasion.

The SEC has rejected multiple applications to launch spot bitcoin ETFs in recent years, arguing that the cryptocurrency market is vulnerable to manipulation and would-be ETF issuers would be unable to protect investors.

Speculators are also buying into bitcoin before the so-called halving, or halvening, in April — an event that comes around once every four years when the reward for mining new bitcoin is slashed, thus potentially reducing new supplies.

Growing expectations that the main central banks will cut interest rates this year have also been a boon for cryptocurrencies, helping to shake off the gloom that had settled over crypto-markets following the fraud at FTX and other crypto-business failures in 2022.

Thirteen applications to offer bitcoin-related ETFs have been put in to the SEC, with VanEck, Valkyrie Investments, Bitwise Investment Advisers, Invesco, WisdomTree Investments and a joint venture between Ark Invest and 21Shares also pitching to market the investments.

ETFs are liquid, easily tradeable investment vehicles already used by institutions and private investors to give themselves exposure to anything from the FTSE 100 to the price of crude oil. An SEC decision is expected within days.

The reaction to a possible rejection would be clear cut and likely lead to an immediate tumble in the bitcoin price, according to Chris Weston, head of research at Pepperstone. “However, should we see the green light, the obvious question is whether we get a ‘buy-the-rumour, sell-on-fact’ scenario playout or whether it promotes another leg higher,” he added in a note.

Ether, the digital coin linked to the ethereum blockchain network, was 1.45 per cent higher on Tuesday at $2,386, having risen by 91 per cent in 2023.

To date, the only cryptocurrency ETFs approved have been tied to futures contracts on bitcoin and ethereum, which are traded on the Chicago Mercantile Exchange.

Read more:
Bitcoin price breaks $45,000 barrier as US authority approval nears

First aid training is an essential life skill that not only empowers a person individually but also helps society in general when a person can give a valid emergency response.

Whether you’re a parent, a professional, or a responsible citizen, knowing how to administer first aid like CPR can make a huge difference in critical situations. If you’re looking to find the best first-aid training course or looking for CPR certification, you’ve come to the right place.

Why First Aid Training is Crucial

Before we get into the depths of which first aid course to take, it is essential to understand the significance of this training. Accidents and medical emergencies can happen anywhere at any time. In such situations, immediate intervention provided by someone in first aid can be lifesaving. From being able to administer CPR to treating wounds, and even managing shock. First aid skills can make a difference between life and death.

What things to look for when choosing a course?

There are many options available in terms of first aid training, but deciding which one to choose can be overwhelming. However, if you focus on a few important factors, you’ll be able to make the correct decision on which course to choose:

Accreditation:

One of the first things that you need to make sure of is if the source is accredited by a recognized organization, like St. John Ambulance or the British Red Cross. The reason is, that accredited courses have the highest standards of training, ensuring that you receive the correct education.

Syllabus

You should review the course syllabus to ensure that you’re getting the correct first-aid training you’re looking for and that it covers essential topics, like CPR, wound care, choking relief, and basic life support as well. a comprehensive curriculum will provide you with an understanding of first aid techniques.

Duration and Schedule:

You should also look at how long the course is going to take as well as the schedule. You should be able to fit the first aid course into your schedule comfortably so you can learn without compromising on your life.

Which first aid course to choose?

Glasgow is a website that offers reputable institutions giving first aid training courses tailored to various skill levels. One such institution is Skills Training Group, well known for its comprehensive and hands-on training programs. Join a first aid course in Glasgow with a Skills training group and gain the competence as well as confidence to be able to respond properly in emergencies. They have expert trainers, top-tier facilities, and of course, let’s not forget the practical approach to learning which ensures that you get the best first-aid skills to make a difference when it matters the most.

Benefits of First Aid Training

There are a ton of benefits in first aid training, including:

Confidence:

Taking first aid training provides you with the power and confidence to take action in emergencies. Knowing that you can save someone’s life by learning just the basics is empowering and can have a positive impact.

Safety:

It also ensures that you can create a safe environment for not only yourself, but your friends, family, and people in general, by being prepared in case of medical emergencies. Like if someone stops breathing or their heart stops, you could give them CPR until the medical assistance arrives.

Professional Development:

Another thing about first aid training that’s quite attractive, besides the life-saving part, is that it increases your employability. It adds a big highlight to your career prospects by acquiring a valuable skill set that is highly regarded across various industries.

Conclusion:

Joining a first aid course provides you with the skills and confidence to leave an impact in the world, by being able to save lives and create a safer environment for people to live in. It’s also important to know which first aid course to choose will let you learn the basics of life-saving skills, as well as in-depth details of such a skill. First aid courses offered by Glasgow are a valuable investment that equips you with the right knowledge and skills to respond properly in emergencies. By choosing a trustworthy institution like Skills Training Group, you can start off the journey of fulfillment to empower yourself to make a difference in critical situations.

Read more:
First Aid Courses: A Comprehensive Guide

The development of a game for a slot machine is a large-scale creative and technical process, involving many people.

There are no subsidiary positions here; each specialist contributes uniquely, and it would be even foolish to undervalue the work of someone like an animator, composer, mathematician, or artist in all the chain of production.

And in the current world of intense competition, game developers are making every effort to provide distinctive and captivating goods that will secure their position in the iGaming industry as well as among the gaming preferences of many players.

These game developers take the center stage when it comes to the release of slot games, and their growing popularity can be witnessed by checking sites such as https://casinobonusca.com/ where users can find an exclusive filtering category of casino games developers. This allows slots-adepts to be able to find their favorite games far more easily. The success of online slots nowadays means that players are beginning to associate each title to the creator of the game, but also, each developer is focused on its own trademark that is more or less replicated in each new release.

So, let’s uncover the protocolary process of birth of every slot machine in the market.

Conception

Everything begins with the development of an idea. A game designer looks for concepts that are in demand and considers the route the game will take; it may have a historical theme, a horror theme, or simply be a traditional fruits-themed slot machine. Tests are conducted on game mechanics, features, and visualization theories, and prototypes are produced.

The final stage of the slot conception is the writing of the game’s design document, which includes descriptions of every aspect of the animation as well as the characters and values that are to be included in the game.

Mathematics

The development of the mathematics of any online casino game is a central part in its development. The probabilities of winning make up a core part of every betting game. And in order for the slot machine to pay out a specific RTP (Return to Player) when the reels stop, a mathematical model of the game has to be created. In simple terms, with what probability the symbols will appear on the reels.

It can take a week to construct the most basic mathematics for a slot machine, and many months to build the most sophisticated ones. One must take into account that these models look for a perfect balance that allow casinos to remain profitable while sharing beneficial prizes to their clients, which explains the record revenue of casinos lately as per https://www.forbes.com/sites/nicholasreimann/2023/02/15/casinos-raked-in-record-shattering-60-billion-in-revenue-last-year/. The mathematics behind slot games make every game to be fair for every player and respecting the basis of randomness of results.

Visual Design

Through the creation of visual enchantment that captivates players’ attention and imagination, slot game artists play a crucial role in the gaming business. Their main duty is to produce the captivating animations and visuals that embellish slot machines. These graphics consist of the logos and symbols that show up on the rotating reels, the backdrop pictures that create the mood of the game, and the lively animations that bring the game to life.

A game designer can create the graphic elements of the designs from scratch or buy them from the internet, depending on how much the game developer values visual originality. At the same time, developers can acquire the image rights of recognizable brands, such as comic heroes, TV shows, movies or even rock bands to produce slots with famous characters or using popular soundtrack that one can find on platforms such as https://www.spotify.com/.

Final Assessments

Completing the math on the backend ensures that the game implementation corresponds with the mathematician’s findings. The developer confirms the RTP is, in fact, the same as what is shown on the mathematical model by using a variety of calculators to recreate the game’s launch for a significant number of rounds. All the rough edges are ironed out, such as the volatility, and the delivery of special features. After that, the online slot game is sent to an independent testing firm to get their last word on whether it complies with all industry requirements.

Read more:
The Secret Behind the Process of Making Online Casino Slots

Businesses are failing to adopt new artificial intelligence technologies, research from the universities of Leeds, Sussex and Cambridge shows.

Despite the high profile of technologies such as generative AI, the proportion of British organisations saying that they have taken the plunge remains in the low double digits.

In a sample of 1,150 employers asked by researchers if they had invested in AI-enabled technology in the past 12 months, only 11 per cent said they had. Larger organisations, particularly those in the IT and public administration sectors, were more likely to have invested, with smaller businesses less so.

The findings build on the same study made in 2022, when 2,001 companies were questioned and 36 per cent said they had invested in AI-enabled technologies such as industrial robots, chatbots, smart assistants and cloud computing over the past five years.

Mark Stuart, pro dean for research and innovation at Leeds University Business School, which led the research, said there was no evidence yet of a technological revolution gripping British businesses. “If you ask people, they are experimenting individually, but if you ask them whether they are doing it strategically and embedding AI [in their companies], they are not,” he said.

Of the companies that had invested in AI, just under a third had spent money on generative AI services such as OpenAI’s ChatGPT. It means that only about 3 per cent of UK employers have invested strategically in generative AI, according to the researchers.

Most worrying for policymakers is the emergence of a digital divide between the minority of early adopters that say they are continuing to invest and the majority of companies that remain unconvinced of the merits of even beginning to do so.

Of the employers polled in 2023, 11 per cent of those that had not already invested in AI-enabled technologies were planning to invest in the next two years, up from 10 per cent of those interviewed in 2022.

The research also highlighted a continued gap in digital skills training, with 40 per cent of the companies reporting that they had provided such training in the past two years. Fewer than 10 per cent of the companies expected to invest in such training this year.

The Employers’ Digital Practices at Work survey was funded by the Economic and Social Research Council.

Read more:
British businesses ‘missing out on AI revolution’ finds new university backed research

The success of local businesses hinges on their ability to adapt and thrive in the online realm. As consumers increasingly turn to the internet to discover, evaluate and engage with local services and products, the significance of Search Engine Optimisation (SEO) cannot be overstated.

Today, we delve into why SEO is vital for local businesses, elucidating its transformative impact on visibility, credibility, and ultimately, the bottom line.

1. Enhanced Visibility and Discoverability

Imagine this scenario: a potential customer in your vicinity is searching for a product or service that your business offers. Without a robust SEO strategy, your business may be buried under a sea of competitors, making it difficult for this customer to find you.

SEO acts as a beacon, optimising your online presence to ensure that your business ranks higher in search engine results. This heightened visibility not only increases the likelihood of attracting local customers but also positions your business as a relevant and trustworthy option.

2. Geo-Targeting

One of the standout features of local SEO is its ability to target specific geographic areas. Local businesses thrive on their community, and SEO tools enable them to reach potential customers in their vicinity.

Through strategies like local keyword optimisation, Google My Business optimisation and local link building, businesses can tailor their online content to resonate with the needs and preferences of the local audience. This precision targeting ensures that your business shows up when local customers are actively searching for what you offer.

3. Building Trust and Credibility

Consumers are more likely to trust businesses that appear at the top of search engine results. The perception is that these businesses are reputable and reliable, as search engines are seen as unbiased third-party entities.

By implementing SEO best practices, local businesses not only improve their rankings but also build a solid foundation of trust and credibility in the eyes of potential customers. Therefore, it’s worth exploring affordable SEO services in the UK.

Agencies that offer these services can help businesses obtain positive online reviews, input accurate business information and optimised websites. As a result, businesses can achieve a positive digital reputation, reinforcing the credibility of their local business.

4. Mobile Optimisation

With the prevalence of smartphones, a significant portion of local searches is conducted on mobile devices. SEO is crucial for ensuring that your business website is optimised for mobile users.

Mobile-friendly websites not only improve user experience but also align with search engine algorithms, which prioritise mobile responsiveness. By catering to the growing number of mobile users, local businesses can tap into a vast market of consumers who rely on their smartphones to find products and services in their local area.

5. Cost-Effective Marketing

Traditional advertising methods can be costly, especially for small and local businesses with limited budgets. SEO, on the other hand, offers a cost-effective and sustainable marketing strategy.

By investing in optimising your online presence, you are essentially making a long-term investment in the visibility and success of your local business. Compared to traditional advertising channels, SEO provides a higher return on investment over time, making it an invaluable asset for local businesses looking to thrive in the digital age.

To Finish Up

The importance of SEO for local businesses cannot be overstressed. In a world where the internet is the go-to resource for consumers seeking local products and services, an effective SEO strategy is the key to unlocking visibility, credibility and success.

By embracing the power of SEO, local businesses can position themselves as the preferred choice in their community, ensuring sustainable growth and a thriving customer base.

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Unlocking Success: The Vital Role of SEO for Local Businesses

A public inquiry into the Horizon IT scandal at the Post Office has produced enough evidence for police to investigate senior staff, according to lawyers for postmasters who were wrongly convicted of crimes including theft and fraud.

Hundreds of people who owned and operated post offices were wrongfully investigated, prosecuted and convicted between 1999 and 2015 because of bugs in a computer system called Horizon.

During the current public inquiry into the scandal, widely considered one of the gravest miscarriages of justice in British history, postmasters have claimed that senior Post Office staff either knew about the system’s failings or “shut their eyes” to them.

Paul Marshall, a barrister who is representing post office operators in their continuing fight for compensation, said he believed that enough evidence had emerged for police to consider prosecuting former Post Office executives.

“On the face of it, the material is sufficient for the police to investigate whether, over a substantial period of time, the Post Office was engaged in perverting the course of justice or a conspiracy to pervert the courses of justice,” he told the Guardian.

“In my view, the Post Office was engaged in a sustained attack on the rule of law itself.”

Lawyers for the post office owner-managers reportedly want Sir Wyn Williams, chairman of the public inquiry into the scandal, to pass files to the director of public prosecutions once the inquiry is completed next year.

Janet Skinner, a branch operator who was wrongly jailed for nine months, told the Times that collating evidence that may form the basis for an investigation into former senior Post Office staff was a focus for her legal team.

During the course of the statutory inquiry, evidence has emerged indicating that Post Office investigators responsible for looking into allegations against branch operators did not believe that they had stolen anything.

Last week, Post Office accounts revealed that the company has almost halved the amount it has set aside for payments to branch managers wrongly convicted in the scandal, from £487m to £244m, as fewer than expected have won or brought appeals.

The Post Office said: “We fully share the aims of the current public inquiry, set up to independently establish what went wrong in the past and accountability.

“We’re acutely aware of the human cost of the scandal and we’re doing all we can to right the wrongs of the past as far as that is possible. Both Post Office and government are committed to providing full, fair and final compensation for victims.”

Read more:
Post Office Horizon inquiry: ‘enough evidence for police investigation’

The London Stock Exchange has ended the year trailing rival markets in Europe and the US, as a stagnating economy and a volatile political climate deterred investment and cast a shadow over the nation’s economic prospects.

The FTSE 100 index of blue-chip companies reached 7,733 points on Friday, the final trading day of the year. While a late rally helped the index to its highest closing level since late May, it has gained just under 4% since January, compared with a global average of 20%, as measured by the MSCI All Country World Index.

As in previous years, the FTSE 100’s lack of technology companies left it floundering against Wall Street, where the S&P 500 index has jumped by 25% this year to the brink of a record high.

The Nasdaq Composite index has risen by 45% this year, lifted by a boom in big tech stocks such as the chipmaker Nvidia, whose shares have soared by 240% as the boom in artificial intelligence drove demand for its high-end semiconductors.

Germany’s DAX index rallied by 20%, while France’s CAC gained 16.75% and Italy’s FTSE MIB surged almost 30%, as European markets recovered from losses in 2022.

The pan-European Stoxx 600, which tracks the largest companies across European markets, gained more than 12%.

Susannah Streeter, the head of money and markets at Hargreaves Lansdown, described the FTSE 100’s 3.8% rise this year as “paltry” when compared with its international peers.

“Britain’s blue-chip index still appears unloved with attention grabbed by the bright lights of Wall Street and the tech-heavy makeup of New York’s exchanges, with a frenzy for all things AI fuelling buying behaviour,” Streeter said.

“Even though the Brexit hangover has eased, the UK’s stagnating economy and volatile political scene of recent years appears to be putting off investors,” she added.

The year started brightly for the FTSE 100. It broke through the 8,000 points mark for the first time, hitting a record high of 8,047 points in mid-February. But trading through the rest of the year was choppy, as concerns over the UK’s weak growth and rising interest rates weighed on stocks.

The smaller FTSE 250 index of medium-sized companies had a slightly better year, gaining about 4.5%.

Rolls-Royce was the top riser on the FTSE 100 this year. The engineering company gained 220% as traders welcomed the turnaround plan being implemented by the new chief executive, Tufan Erginbilgiç.

Rolls’s strength helped the UK’s aerospace and defence sector to rise by more than 67% in 2023, also aided by a 30% jump in shares in the weapons maker BAE Systems, while the aerospace manufacturer Melrose’s share price doubled this year.

At the other end of the leaderboard, the mining company Anglo American fell by 39% this year, a dire performance that raised speculation it could become a takeover target. In December, Anglo cut its production outlook, after problems with iron ore and copper mining.

Shares in the wealth manager St James’s Place lost 37%, in a year in which regulators pressed it to revamp its fee structure to reduce overall charges for existing investments.

Not every international stock market rallied this year. China’s CSI 300 index fell by more than 11% in 2023, as weak economic growth, a liquidity crisis in the property sector and geopolitical tensions all weighed on shares.

The pound has enjoyed its best year against the US dollar since 2017, gaining 5% as it climbed from $1.21 in January to $1.27 at the end of December.

But that rally was partly down to the dollar’s weakness; the greenback lost about 2% against a basket of currencies. Traders anticipate several cuts to US interest rates in 2024, as the Federal Reserve tries to achieve a “soft landing” – lowering inflation without causing a recession.

Read more:
FTSE 100 ends year up 3.8% but trails rival markets in Europe and US

House prices fell 1.8 per cent over the course of 2023, and are unlikely to rebound next year according to Nationwide.

The decline since last December leaves the average price almost 4.5 per cent below the all-time high recorded in late summer 2022. Nationwide predicts that they will likely remain flat or record a fall of up to 2 per cent in the year ahead.

Robert Gardner, the building society’s chief economist, said: “Housing market activity was weak throughout 2023. The total number of transactions has been running at around 10 per cent below pre-pandemic levels over the past six months, with those involving a mortgage down even more (around 20 per cent), reflecting the impact of higher borrowing costs. On the flip side, the volume of cash transactions has continued to run above pre-Covid levels.

“Even though house prices are modestly lower and incomes have been rising strongly, at least in cash terms, this hasn’t been enough to offset the impact of higher mortgage rates, which in recent months were still more than three times the record lows prevailing in 2021 in the wake of the pandemic.”

Gardner said high mortgage rates were stretching affordability while, at the same time, “deposit requirements remain prohibitively high for many of those wanting to buy”.

He added: “If the economy remains sluggish and mortgage rates moderate only gradually, as we expect, house prices are likely to record another small decline or remain broadly flat (perhaps 0 to -2 per cent) over the course of 2024.”

Gardner expects affordability to improve over time thanks to income growth and lower mortgage rates. Yet activity is expected to remain “fairly subdued in the interim”.

Prices in December were broadly flat compared with November, with the average UK home now costing £257,443. Northern Ireland and Scotland have been the only parts of the UK to see prices rise in 2023. East Anglia was the weakest performing region with prices down 5.2 per cent over the year.

Across England overall, prices were down 2.9 per cent compared with the final quarter of 2022, while in Wales there was a 1.9 per cent decline.

Across northern England, which comprises North, North West, Yorkshire & The Humber, East Midlands and West Midlands, prices were down 1.8 per cent year on year. Yorkshire & The Humber was the best performing northern region with an annual rate of change of -0.5 per cent.

Southern England — the South West, Outer South East, Outer Metropolitan, London and East Anglia — saw a 3.4 per cent year-on-year fall. London was once again the best performing southern region, registering a smaller annual decline of 2.4 per cent.

Throughout this year there were signs that more buyers were looking towards smaller, less expensive properties, with transaction volumes for flats holding up better than other property types. This may be because affordability for flats has held up relatively better as they experienced less of a price increase over the pandemic period, Nationwide said.

“However, in our most recent data, we have seen a convergence in the annual rate of price growth for different property types,” Gardner said. “During 2023, the price of semi-detached properties held up best, recording a 1.8 per cent year-on-year fall. Meanwhile, flats and terraced houses both saw a 2.1 per cent annual decline, while detached properties were the weakest performing with prices down 2.7 per cent over the year.”

Read more:
House prices fall nearly 2% over year

Nearly 4,800 ‘festive filers’ filled out their tax returns on Christmas Day, according to HM Revenue and Customs (HMRC).

While others were opening gifts, tucking into turkey, and falling comatose on the sofa, 4,757 people submitted a self-assessment tax return, ahead of the 31 January deadline.

HMRC also recorded 8,876 returns submitted on Christmas Eve and 12,136 on Boxing Day.

The peak time was between noon and 12.59pm on Boxing Day when HMRC received 1,121 returns.

Myrtle Lloyd, HMRC’s director general for customer services, said: “Our Christmas Day filers proved that there is no time like the present to get started on self-assessment, and with our online tool it can be a simple task that’s easy to fit around other festive commitments.

“There’s no need to delay, getting it done ahead of the January 31 deadline means less stress and longer to work out payment options. Get started today by searching ‘self-assessment’ on gov.uk.”

More Christmas Day admin

Christmas Day also appeared to be the ideal day for 3,000 people to register to vote.

A total of 3,273 applications were submitted on 25 December this year, with 3,218 online and 55 on paper forms, government figures show.

The majority (62%) were from people aged 34 and under, while just 3% came from those aged 65 and over.

The number is up by nearly 1,000 compared with Christmas Day 2022, when 2,313 people made an application.

Local elections are taking place across much of England on 2 May, along with high-profile mayoral contests in areas including London, Greater Manchester and Merseyside, plus elections for police commissioners in most of England and Wales.

There is also going to be a by-election to choose a new MP in Wellingborough, although an exact date has yet to be confirmed.

And there is also likely to be a general election, with one due to take place no later than 28 January 2025.

Read more:
Just under 5,000 ‘festive filers’ submitted their tax return on Christmas Day

Increased tax compliance measures have yielded £11.4bn in unpaid tax as investigations into rich people and mid-size businesses grew.

The sum came as HM Revenue and Customs (HMRC) opened 23% more inquiries into unpaid value added tax (VAT), according to a freedom of information request from Thomson Reuters, upping the number of investigations to 109,400 in the last financial year from 88,700 the year before.

The biggest expansion of scrutiny was into wealthy individuals and mid-size businesses while the largest sum came from a step up in large business VAT probes.

The division examining these entities grew the number of investigations 60% from 3,253 in the financial year ending 31 March 2022 to 5,203 in the year ending March 2023.

Increases, however, were across the three sections ensuring VAT compliance.

Cases opened into individuals and small businesses were up 22% while cases into large businesses rose 17%.

The biggest increase from VAT compliance investigations came from the large businesses section, which took in an additional £5bn last year.

VAT makes up roughly 20% of the total tax take, making it one of the biggest revenue sources for the state, along with national insurance and income tax.

Additional resources had been given to HMRC as part of efforts to recoup greater tax yields.

More than 3,000 staff were added to HMRC customer compliance units since the 2021 to 2022 financial year.

But the gap between what HMRC estimated it is owed in VAT and what it collected was greater last year than the year before.

The gap stood at £8.8bn in the 2022-2023 tax year, up from £7.6bn in 2021-2022, bucking a previously downward trend.

High inflation has meant more tax is being paid as people earn more and pay higher amounts for goods and services.

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Increased HMRC VAT investigations bring in £11.4bn of unpaid tax

In this modern day and age, wherein changes in the landscape of law and jurisprudence are continuously experiencing progressions, attaining new skills and keeping updated are no longer beneficial—they’re already imperative.

Webinars and events based on legal themes have emerged as effective tools for legal careers to reinforce knowledge, skills, and networks continuously. This article will make you understand the deep benefits sought from legal webinars and events by attorneys, legal practitioners, and anyone figuring out how to grasp the dynamic nature of the legal world.

Continuous Learning and Professional Growth

The legal industry is dynamic, where laws change, new precedents are set, and rules and regulations are amended. A free legal webinars perfectly provide continued education as well as learning in this light. The events online give a professional the latest information on upcoming legal issues, the changing scenery of practices, and what to do and what not to undertake. This illustrates that continuous education is imperative for professional competence and maintaining competitiveness within an increasingly dynamic legal landscape.

Exposure to Expert Insights and Thought Leadership

Most legal webinars feature spirited oratorical shares from industry-expectant, seasoned performers and thought leaders. This direct access to the knowledge and experiences of some renowned experts will enable participants to learn about complex legal issues fully. Participation in these events enables a person to learn from the best practical experiences not available in books and legal journals.

Affordable Training Opportunities

Traditional training and programs for professional development can be awfully expensive, especially when one factually considers the costs of travel, accommodation, and sign-up fees. With legal webinars and virtual events, all these are scrapped, allowing many practitioners to learn at a top level. This makes it cost-effective for solo practitioners, small firms, and legal professionals on shoestring budgets.

Flexibility and the Convenience

One of the main advantages webinars possess is flexibility. Participants can be located in any part of the world and yet take part, making the solution location-neutral. This flexibility is one reason many busy legal professionals may need help to attend traditional in-person events. This enables reaching them with value-added content through webinars at their convenience, during lunch breaks at work, after hours, and even at home.

Interactive Learning and Networking Opportunities

Contrary to the misconception that virtual events are not interactive, most legal webinars incorporate Q&A sessions, polls, and interactive discussions. Like in physical conferences, participants can interact with each other and with speakers in a community and spirit of communication. The virtual environment networking opportunities can be as strong as the traditional conference in linking the legal world with colleagues, mentoring possibilities, and even potential clients.

Customized Learning Paths

Legal webinars commonly explore diverse topics, making it possible for learners to choose their best-fit learning paths depending on their tastes, preferences, and training needs. Whether the area of interest is intellectual property, corporate law, or criminal justice, there is bound to be a webinar or virtual event targeting such tastes. This customizes the approach through which legal professionals’ access relevant information, enhancing the value of time applied to professional development.

Allowed for On-Demand Access Anytime

An free legal webinars are usually recorded, and a chance for review is offered where participants can recap the sessions or catch up on content they may have missed. This ability to get content when required becomes quite instrumental, especially for people who keep busy schedules or those whose other commitments could clash with the webinar programs. Having a chance to review important concepts repeatedly and the discussions and provision of supplemental material makes the entire experience even better.

Read more:
The Profound Benefits of Legal Webinars & Events

Cardiopulmonary resuscitation (CPR) is a vital emergency procedure that can significantly increase the survival chances of individuals experiencing cardiac arrest.

In the United Kingdom, it is considered an essential skill for both medical professionals and the general public, as timely and effective application can save lives in critical situations. By undertaking the correct CPR training and staying updated on the current guidelines, individuals can be better prepared to handle emergencies and contribute to improved overall public health.

CPR is a combination of chest compressions and rescue breaths that work together to maintain blood flow and oxygen supply to the brain and other vital organs, when the heart unexpectedly stops functioning. The resuscitation process aims to protect essential bodily functions until further medical intervention and advanced life support can be administered. As every minute counts during cardiac arrest, bystanders who are knowledgeable in CPR can play a crucial role in enhancing a victim’s chance of survival.

Across the UK, there are numerous training programmes and resources that educate individuals on the appropriate CPR procedures, adapted to cater to specific age groups and emergency scenarios. By staying informed and practising the correct techniques, it is possible to increase the effectiveness of CPR and give those in need a fighting chance at recovery.

Understanding CPR

Basics of CPR

CPR, or Cardiopulmonary Resuscitation, is a life-saving first aid technique used to help someone experiencing a cardiac arrest. Cardiac arrest occurs when the heart suddenly stops beating, leading to a cessation of blood flow and oxygen throughout the body. When this happens, immediate action is necessary to ensure the chances of recovery for the victim.

The main objective of CPR is to maintain blood flow and oxygen supply to vital organs, particularly the brain and the heart. This technique consists of two key components: chest compressions and rescue breaths. Chest compressions involve applying pressure on the centre of the victim’s chest at a rate of 100-120 compressions per minute. Rescue breaths, on the other hand, involve providing artificial respiration by breathing into the victim’s mouth or nose.

Importance of CPR

CPR is a crucial, time-sensitive intervention for those suffering from cardiac arrest. Every minute without CPR decreases the chances of survival by 7-10%. Therefore, prompt and accurate administration of CPR can mean the difference between life and death.

Furthermore, bystander intervention plays a significant role in overall survival rates. Research shows that victims who receive CPR from a bystander have a higher likelihood of survival compared to those who only receive professional medical assistance.

Listed below are some essential features of CPR:

• Timely action increases survivability
• It maintains blood flow and oxygen supply
• Bystander intervention can play a crucial role

CPR in the UK Healthcare System

Within the UK healthcare system, the NHS advocates for widespread knowledge and training of CPR. Various organisations such as the British Heart Foundation (BHF) and St John Ambulance offer free CPR training sessions to the public, equipping them with essential life-saving skills.

Some key aspects of CPR in the UK healthcare system include:

1. Public awareness and training campaigns
2. Emphasis on continuous skill improvement
3. Coordination with emergency medical services

Overall, understanding CPR and its importance in dealing with cardiac arrest is essential for preventing potential fatalities. In the UK, the NHS and other organisations promote the significance of CPR training, recognising the impact that bystander intervention can have on saving lives.

CPR Procedure

Assessing the Situation

When encountering a person who may require CPR, it is essential to first assess the situation. Check if the person is conscious by gently tapping their shoulder and asking if they are alright. If they are unresponsive, proceed with the following steps:

1. Check for signs of breathing by looking at their chest and listening for breaths.
2. Tilt their head back and lift their chin to open their airway.
3. If they are not breathing, or breathing irregularly, begin CPR.

Calling for Help

Before starting CPR, it is crucial to call for help. Dial 999 to request an ambulance. Inform the operator of the situation, providing details about the individual’s condition and your location. Stay on the line until you are advised to hang up.

Administering Chest Compressions

To perform chest compressions:

1. Position the person on their back on a firm, flat surface.
2. Kneel beside them and place the heel of one hand on the centre of their chest.
3. Place your other hand on top and interlock your fingers.
4. With straight arms, press down hard and fast – about 5-6 centimetres deep.
5. Allow the chest to rise back up before pressing down again.
6. Perform 30 compressions at a rate of 100 to 120 per minute.

Providing Rescue Breaths

After administering 30 chest compressions, proceed to provide two rescue breaths:

1. Tilt the person’s head back and lift their chin.
2. Pinch their nostrils closed and take a deep breath.
3. Cover their mouth with yours, creating a seal, and breathe into their mouth.
4. Watch for the chest to rise and fall, then administer a second breath.

Using an AED

If available, using an Automated External Defibrillator (AED) can greatly improve the person’s chances of survival. To use an AED:

1. Turn on the AED and follow the voice prompts.
2. Expose the person’s chest and attach the electrode pads as instructed.
3. Ensure everyone is clear before allowing the AED to analyse the heart rhythm.
4. If the AED advises a shock, ensure everyone is clear and press the shock button.
5. Continue CPR for two minutes before allowing the AED to reanalyse the situation.

After completing a cycle of 30 chest compressions and 2 rescue breaths, continue alternating between the two until professional help arrives or the person begins to breathe normally.

Special Considerations

CPR for Adults

When performing CPR on an adult, follow these steps:

1. Check for responsiveness and call for help.
2. Assess for breathing. If the person is not breathing or experiencing agonal gasps, start chest compressions.
3. Place your hands in the centre of the chest, and perform 30 chest compressions followed by two rescue breaths. Continue this cycle until help arrives or the patient regains consciousness.

Note: For Adults, the depth of chest compressions should be at least 5 cm (2 inches), and the rate should be between 100 to 120 compressions per minute.

CPR for Children and Infants

CPR procedure differs slightly for children (ages 1 to puberty) and infants (under 1 year of age) as follows:

Remember: Check for signs of choking and act accordingly before initiating CPR in children and infants.

CPR with COVID-19 Precautions

During the COVID-19 pandemic, additional measures should be taken to reduce the risk of virus transmission when performing CPR:

1. Wear a mask and gloves if possible.
2. Place a cloth or mask over the patient’s mouth and nose before giving rescue breaths.
3. Use a barrier device, like a pocket mask or face shield, when giving breaths.
4. If you are untrained or unwilling to give rescue breaths, perform compression-only CPR by providing continuous chest compressions without rescue breaths.

Stay informed about any updated guidelines from health authorities regarding CPR during the COVID-19 pandemic.

CPR Techniques and Theory

Compression Rate and Depth

When performing CPR, it is vital to apply the correct compression rate and depth to ensure effective chest compressions. The recommended rate for compressions is 100 to 120 per minute. To achieve the correct depth, compress the victim’s chest by approximately 5 to 6 centimetres. The goal is to compress the breastbone, which helps circulate blood throughout the body.

It is essential to allow the chest to rise completely between compressions to let the heart refill with blood. Maintain a steady rhythm by counting out loud or using a metronome to guide the pace.

Recovery Position

The recovery position is a crucial step to maintain an open airway for an unconscious victim who is breathing normally but cannot maintain their own airway. To place the person in the recovery position:

1. Extend the arm closest to you, at a right angle to their body.
2. Position the other arm across the chest, with the back of their hand against the nearest cheek.
3. Bend the farthest leg from you at the knee, while keeping the foot flat on the ground.
4. Carefully roll the person towards you, onto their side by pulling on the bent knee.
5. Tilt the head back slightly to keep the airway open.

The recovery position assists in preventing the tongue from obstructing the airway and helps to drain any fluids.

Airway Management

Airway management is a key component of CPR, as the purpose is to ensure oxygen reaches the brain and other vital organs. To achieve this:

1. Place one hand on the victim’s forehead and gently tilt the head back.
2. Use two fingers from your other hand to lift the chin upwards.

This “head-tilt and chin-lift” manoeuvre can help remove any blockages and open the airway. Remember to check for breathing and respond accordingly. If the person is not breathing, continue with chest compressions and rescue breaths as per CPR guidelines.

First Aid Equipment

Types of AEDs

There are various types of Automated External Defibrillators (AEDs) available in the UK, each designed for different situations and users. The main types include:

• Semi-automatic AEDs: These devices require the rescuer to press a button to deliver a shock if one is advised. They are suitable for trained first aiders or bystanders with some basic knowledge of CPR.
• Fully-automatic AEDs: These defibrillators analyse the victim’s heart rhythm and deliver a shock automatically when needed. They are ideal for public places as they can be used by individuals with minimal or no training.

Some AEDs offer additional features, like spoken instructions or visual prompts to guide the user through the CPR process.

Other Essential Equipment

Apart from AEDs, a range of other essential first aid equipment is useful in the administration of CPR, providing necessary support and enhancing rescue efforts:

1. Oxygen: Supplemental oxygen can be crucial in improving a victim’s chances of survival. When used alongside CPR, it raises the levels of oxygen in the bloodstream, increasing the likelihood of successful resuscitation.
2. CPR Face Shield or Pocket Mask: A face shield or pocket mask aids in providing rescue breaths to the victim while protecting the rescuer from potential infections.
3. CPR Feedback Device: This tool gives real-time feedback on the quality of chest compressions, keeping first aiders aligned with guidelines and ensuring more effective CPR.
4. First Aid Kit: A well-stocked first aid kit may contain essential items such as sterile gloves, bandages, and adhesive plasters to assist in delivering CPR and treating any accompanying injuries.

The availability and use of these first aid equipment items can significantly improve the chances of successful CPR and, ultimately, save lives.

Legal and Ethical Considerations

Duty to Act

In the UK, there is no legal obligation for a bystander to perform CPR on someone in need. However, healthcare professionals may have a duty to act depending on their role and the circumstances. This duty can be based on professional obligations or employer/employee contracts. For instance, if an Automated External Defibrillator (AED) is provided by the employer, the staff may have a responsibility to use it in case of an emergency.

Moreover, Good Samaritan laws protect individuals who voluntarily provide emergency care without expecting any compensation. So, as long as the rescuer acts in good faith and within the bounds of their training, they are protected from liability claims.

Consent and Liability

Before initiating CPR, obtaining consent is essential wherever possible. In case the person is unconscious and unable to provide consent, the law permits implied consent, assuming that the patient would agree to life-saving measures. However, if a person regains consciousness and refuses CPR, the rescuer must respect their wishes.

Concerning liability, UK law ensures protection for those who perform CPR in an emergency. As long as rescuers follow proper guidelines and act within their training, they are covered by the law from any potential accusations of negligence. Take note of the following aspects:

• Always act within the scope of your knowledge and training while performing CPR.
• Follow established protocols and guidelines, e.g., British Resuscitation Council guidelines, when using an AED and during CPR.
• Be respectful and considerate of the patient’s dignity and privacy during an emergency.

Being mindful of the legal and ethical considerations, individuals administering CPR can confidently focus on their primary objective – helping to save lives in times of emergency.

CPR Training and Certification

CPR training and certification in the UK are essential for individuals who want to be prepared to handle emergency situations involving cardiac arrest. The training courses are designed to provide knowledge and practical skills required to perform CPR effectively. These courses cover different levels of CPR training, including Basic Life Support (BLS), Advanced Life Support (ALS), Paediatric CPR, and First-Aider responsibilities.

Basic Life Support (BLS)

Basic Life Support training focuses on providing essential knowledge and skills to handle common emergency situations. This level of training involves learning the DRSABCD action plan:

1. Danger
2. Response
3. Shout for help
4. Airway
5. Breathing
6. Compressions
7. Defibrillation

A BLS certification course teaches participants how to recognise and respond to life-threatening emergencies, perform chest compressions, and use an automated external defibrillator (AED).

Advanced Life Support (ALS)

Advanced Life Support training is designed for healthcare professionals and emergency responders. ALS courses build on BLS training to provide a more comprehensive understanding of the treatment of cardiac arrest victims. The training includes advanced airway management, intravenous access, and medication administration.

ALS certification is recommended for:

• Paramedics
• Nurses
• Doctors
• Other healthcare professionals

Paediatric CPR

Paediatric CPR courses are tailored for dealing with cardiac arrest emergencies involving infants and children. The training covers age-specific CPR techniques, essential first aid skills, and the use of AEDs for paediatric patients. It is especially relevant for those who work with children, such as:

• School staff
• Childcare workers
• Parents and guardians
• Youth sports coaches

First-Aider Responsibilities

In addition to CPR training, first aiders must obtain knowledge of their legal and ethical responsibilities. A first aider is expected to act responsibly, provide care within their scope of training, and maintain confidentiality. They must also be aware of the importance of obtaining consent from the patient, or from a parent or guardian in the case of minors.

By obtaining CPR training and certification in the UK, individuals can develop the crucial skills needed to respond to cardiac arrest emergencies effectively and save lives. The different levels of training cater to various professions and situations, ensuring a comprehensive approach to life-saving techniques.

Role of Bystanders and Community

Community CPR Initiatives

In the UK, the importance of CPR education has led to various community CPR initiatives aiming to increase bystander involvement and save more lives. These programmes often include training workshops, awareness campaigns, and partnerships with local schools and organisations. Bystanders, as well as family members and friends, can get involved and become life-saving heroes.

One notable example is the British Heart Foundation’s “Nation of Lifesavers” campaign, which raises awareness about the importance of bystander CPR and provides resources for community training. This initiative focuses on increasing the public’s understanding of CPR, with a goal to expand the number of CPR-trained individuals throughout the UK.

An important aspect of these community CPR initiatives is the use of public access defibrillators (PADs), which can significantly improve survival rates when used alongside CPR. Organisations and locals collaborate to install and maintain PADs in easily accessible areas, supporting the community in case of a sudden cardiac arrest.

• Community CPR initiatives aim to increase bystander involvement.
• Training workshops, awareness campaigns, and partnerships are common strategies.
• Public access defibrillators play a crucial role in improving survival rates.

Supporting Family and Friends

The involvement of family and friends in learning and performing CPR is especially important, as most cardiac arrests occur at home or in private settings. Encouraging loved ones to participate in CPR training can greatly improve the chances of survival for someone experiencing a cardiac arrest.

A crucial factor in this process is making CPR education accessible and approachable for people from all walks of life. Offering training in various formats, such as online resources, group workshops, and school programmes, ensures that everyone has an opportunity to learn these life-saving skills.

Transparency and open communication are vital when discussing CPR with family and friends. Ensuring that everyone understands the importance of CPR and feels comfortable discussing this topic can facilitate the creation of a supportive environment in case of an emergency.

• Most cardiac arrests occur at home or in private settings.
• Making CPR education accessible to everyone is crucial.
• Open communication can create a supportive environment during an emergency.

Post-CPR Considerations

Physical Considerations after CPR

After a successful Cardiopulmonary Resuscitation (CPR), some physical considerations must be taken into account. The likelihood of complete recovery is largely dependent on the factors such as the cause of the cardiac arrest, the quality of CPR, and the time it took to receive care. Below is a table summarising key factors to keep in mind during the post-CPR phase:

Out of these factors, damage is a crucial aspect to address, as CPR may cause injuries such as broken ribs or damage to internal organs. To reduce the risk of further complications, a medical professional should closely monitor the patient.

Psychological Impact of CPR

Aside from physical damage, it’s essential to be aware of the psychological impact of CPR. Both the survivor and rescuer may experience emotional challenges post-CPR, such as stress, fear, and anxiety. The following paragraphs discuss the psychological experiences of those involved in CPR.

For the person receiving CPR, the traumatic experience of a life-saving intervention may leave them with feelings of uncertainty, anxiety, or even post-traumatic stress disorder (PTSD). Recovering individuals should be encouraged to seek professional psychological support, alongside medical intervention during the healing process.

On the other hand, those who performed CPR could feel overwhelmed and emotionally drained due to the intensity of the situation. It’s essential for them to acknowledge these feelings and seek support if required, either from a healthcare professional or a support group.

In conclusion, after a successful CPR intervention, it’s crucial to address both the physical and psychological considerations. Early identification and management of these aspects can help improve the recovery and overall well-being of everyone involved.

Read more:
CPR Procedure UK: Essential Steps and Guidelines

Emergencies are always lurking around, hitting us when we least expect them to. In the first few moments of such emergencies, a first aider’s correct response may save lives.

We have all heard of first aid courses and how they can greatly impact and improve our lives but what does a first aider really do? Let’s get into the depths of the responsibilities of a first aider.

Immediate response and assessment

The first and foremost role of a first aider in an emergency is to provide immediate assistance to those in need. Whether the first aider is already at the scene or arrives shortly after, the first aider needs to quickly assess the situation to understand the nature and severity of the medical conditions or injuries if there are any, without creating a panic. This initial assessment is crucial not only in terms of giving first aid but also helps the first responders, or the medical staff to quickly get into the treatment of the patient, saving precious time. It also ensures that the most urgent cases are tended to first.

Administering First Aid

Once the first aider has assessed the situation properly, they proceed to administer the necessary first aid. This can range from dressing up a bleeding wound, performing CPR, Heimlich maneuver, or providing relief to someone experiencing a severe allergic reaction. Their training equips them with the correct knowledge and skills to provide the care they can until professional help arrives, all the while staying calm.

Maintaining Calm and Reassuring the affected individuals

Emergencies are often paired with chaos which leads to panic. As a first aider, it’s one of their biggest responsibilities to maintain a calm demeanor and also reassure those who are affected. Being calm, and sharing comforting words can make a huge difference, as it can help alleviate fear and anxiety. It can also help the affected individual feel safe, keeping their heart rate and breathing normal. If a person doesn’t feel safe they’ll go into panic mode which can worsen their condition.

Communicating with Emergency services

First aider is trained to provide immediate care but they also recognize the importance of professional medical assistance. So when a first aider can remain calm, assess the situation properly, and share it with emergency services, they can give essential details about the condition of the affected individuals which can greatly impact how fast they get treated. For example, if you are providing first aid to a burn victim, you’d communicate it with emergency services who will then make room for the patient to be in the burn care unit and they’d come equipped with the right materials saving time and potentially saving a life.

Monitoring and Observing

This comes after administering first aid; while you wait for the medical assistance to arrive, you need to continuously monitor the affected individuals, observing any changes or complications. Their continuous vigilance ensures that any decline in the condition of a person needs additional assistance. If a burn patient is being treated for their burns while the first aider waits for medical staff, the first aider must keep a close eye on the person so they don’t lose consciousness or stop breathing.

Educating and Promoting Safety Awareness

First aiders do so much more than helping injured individuals when they provide first aid in a situation. Unintentionally they end up spreading awareness about how important first aid is, encouraging people to go for training. First aiders spread awareness through proper channels too, they have workshops, training sessions, and community outreach programs to provide the public with the knowledge they need and how a first aider should respond in situations.

Conclusion

The role of a first aider during an emergency is intricate, multifaceted, and indispensable. Their quick response, expert knowledge, communication skills, and ability to stay calm are a few of the top qualities of a first aider. These skills end up saving lives and make them out to be unsung heroes in our communities. As we navigate through the uncertainties of life, it’s good to know that there are people who are dedicated to caring for others, which restores my faith in humanity.

Read more:
The Crucial Role of a First Aider During an Emergency

Women only own 17.3% of the companies in the UK. However, although few have taken the helm of self-employed ventures so far, more women are opening businesses.

In fact, women opened more than 150,000 companies in 2022 alone. That’s more than double the number of women-led companies launched in 2018.

With increasing numbers of women exploring their entrepreneurial potential, many will find inspiration in the leading dog trainer Lauren Langman and her success story.

Lauren Langman: Acclaimed Dog Trainer and Entrepreneur

Lauren Langman pursued various careers before finally launching her business in the space she loves most: dog training. She is passionate about helping dogs overcome challenges through games-based training and helping them bond with their owners.

Lauren reminds those who are considering becoming entrepreneurs that it’s never too late to follow your passion and do what you love for a living: “This is a lesson I am determined to pass on,” she says. “Don’t waste time fighting what your heart is screaming. If you know what lights you up and makes you so excited for the next day to begin, you are lucky. You have so much to give.”

Running classes in her back garden, Lauren Langman knew she needed a training ground that would give her the freedom to take her business to the next level. She appeared on the popular television show Relocation Relocation to find the perfect premises for her family dog training business, which has now grown to global success.

Today, she hosts an abundance of dog training sessions, retreats, and digital offerings at this site through not one but two businesses: Devon Dogs and Bowerland Cottages. Here’s how she launched her thriving businesses in the Devonshire countryside.

Appearing Three Times on Relocation Relocation

Ready to grow their family business, Lauren Langman and her parents embarked on a long search for the perfect dog training site. After facing various setbacks, they signed up for help from property TV stars Phil Spencer and Kirstie Allsopp on Channel 4’s Relocation Relocation.

Appearing on this show in 2010, the Langman family explored four properties before finding the perfect location for their dog training operations: a neglected site in Okehampton. Securing this property proved a challenge, but the family succeeded and set about converting the site into a dog training world with luxury holiday cottages.

Relocation Relocation documented the family’s journey of securing the site and transforming it into a state-of-the-art dog training arena. Over the next few years, Langman continued to upgrade the site, where she now houses chickens, too.

Upgrades included a suite of modern dog training facilities and holiday lets for guests to enjoy. Given the huge success that she achieved with this site, Relocation Relocation returned twice, most recently in 2020, to document the upgrades that she has made.

Devon Dogs: Training for Every Challenge

Today, Devon Dogs is a hugely successful business. Lauren and her expert team offer a wide range of training programmes that cover virtually every challenge dog owners face.

Some programmes take place at the Okehampton site, supporting both dog owners and trainers. Others take place online, allowing dog owners and trainers all over the world to take part. Lauren Langman has carefully crafted each programme to ensure dog owners and trainers come away with a wealth of newfound skills and confidence.

Online Training for Dog Trainers

Devon Dogs offers two online training provisions for dog trainers:

• Dog Trainer Online Masterclasses. These classes empower aspiring and professional dog trainers to sharpen their teaching skills.
• Business Consultation Calls. These calls give dog trainers the chance to chat with an expert to plan how they can set up a flourishing dog training business.

In-Person Training for Dog Trainers

Devon Dogs offers two in-person training provisions for dog trainers:

• The Shadow a Trainer Programme. This programme sees budding trainers enjoy interactive sessions with Devon Dogs’ Stooge Dog Team. Participants shadow qualified trainers, plan lessons, and develop business growth strategies.
• Pro Dog Trainer Workshops. These workshops allow Pro Dog Trainers to enhance their training skills. Participants work in groups with dogs of many breeds, each with different needs, practising games to help these dogs achieve training goals.

Online Training for Dog Owners

Devon Dogs offers five online training provisions for dog owners:

• Monday and Wednesday Classes. Specialist trainers run these consistency classes for owners and dogs at all stages of their training journeys.
• The Sexier Than a Squirrel Challenge. This challenge inspires dog owners worldwide to pin down training essentials in 25 days. Participants practise a three-minute training game every day and join an exclusive forum where they can connect with a community of dog owners.
• Zoom Online Training. This online training makes it easy for owners to train their dogs from home. Those who aren’t local to Devon can seek feedback on their training techniques, ask questions, and learn new games that aid their training.
• Workshops. These workshops cover an extensive range of themes, including tricks, recall, and scent. Some workshops span four weeks, allowing dog owners to explore a training niche in detail. These workshops include Gundog Games and Out and About Fun.
• Behaviour Consultation Calls. These calls enable dog owners to receive personalised recommendations on the best training programmes for their dog’s needs.

In-Person Group Training for Dog Owners

Devon Dogs offers four in-person group training provisions for dog owners:

• Life Skills Foundation. This programme shows owners how to train their dogs to be safe, happy, and friendly through reward-based training.
• Monthly Classes. These classes help owners and their dogs master an array of training techniques. The techniques help owners bond with their dogs and lay the foundation to learn more advanced skills later.
• Devon Dogs Retreats. These retreats immerse owners and their dogs in all sorts of themed training. Retreats include the Obedience Retreat, Scent Focused Week, and the hugely popular Naughty But Nice Retreat. In November 2023, the South West Tourism Awards named Devon Dogs the Silver Experience of the Year Award winner for this retreat.
• Agility Foundation Training. This training guides owners and their dogs through all levels of agility training, from beginners to masters.

In-Person One-to-One Training for Dog Owners

Devon Dogs offers three in-person one-to-one training provisions for dog owners:

• Training Sessions. Dog owners can book these training sessions by the hour at times that suit them. These sessions are ideal for dogs who may struggle in group training.
• Puppy Welcome Package. This package includes a custom training plan to help dog owners meet their puppy’s unique needs.
• Stay and Train Holidays. Dog owners can book these luxury retreats at Lauren Langman’s Bowerland Holiday Cottages.

Luxury Stays at Bowerland Holiday Cottages

Owners and their dogs travel to Bowerland Holiday Cottages from all over the UK to enjoy a peaceful retreat while getting ahead on their training. They follow a custom training plan, which they team with scenic Devonshire walks, al fresco dining, hot tub sessions, and stargazing from the comfort of a rustic cottage.

Guests can book three-, four-, or seven-night stays, which offer 10, 15, and 20 hours of dog training, respectively. The packages also include access to online classes and workshops, plus a gift voucher.

All the cottages sleep at least two people, with the biggest accommodating six. Each cottage offers its own charm. For example, Holly Hock Cottage is a barn conversion on a farm where guests can visit the animals, collect free-range eggs, and enjoy three on-site lakes.

Meanwhile, Parsley Cottage features a training room, which is ideal for training during rainy weather, and a wood burner for cosying up. Old Dairy Cottage has a herb garden, and Dartmoor Inn Studio is a barn with a private, tranquil courtyard garden.

About Lauren Langman

Lauren Langman is a widely recognised entrepreneur in the global dog training space. Her games-based training has made overcoming training challenges easier for dog owners all over the world. She has raised the profile of reward-based dog behaviour training by focusing on the dog-owner relationship and preparing owners for challenging situations, rather than in challenging situations.

With her tenacity and business mind, she has cultivated a global community of dog owners who train their dogs using a host of reliable, effective resources. She has appeared in several magazines, sharing her entrepreneurial insights and business story in exclusive interviews.

Training aside, Lauren is a Crufts and Olympia agility champion. She has also represented Team GB at World Championship level.

Learn more about Lauren Langman and her pro dog training team.

Read more:
Inspiring Women in Business: How Lauren Langman Built Devon Dogs and Bowerland Holiday Cottages to Success

We often find ourselves in situations where we have had a few drinks and have to make the important decision of how to get home safely.

While it might seem convenient to just drive yourself home, the risks of drunk driving are severe and can lead to tragic consequences. Choosing an alternative method of transportation can save lives, prevent DUI charges, and ensure that everyone has a good time without endangering themselves or others. Below, discover tips and strategies for arriving home unscathed after a night out.

Understanding the Risks of Drunk Driving: A Sobering Perspective

When alcohol is consumed, even in small quantities, it affects your judgment, coordination, and reaction times, which makes driving a risky endeavor. The notion of being “okay to drive” has led many individuals down a path fraught with legal, financial, and possibly fatal outcomes. By acknowledging the severity of DUI ramifications, one can be motivated to explore safer alternatives. Understanding these sobering statistics and consequences is the first step in making informed and responsible choices after consuming alcohol.

The ripple effect of a DUI can be far-reaching, affecting one’s employment, causing increased insurance rates, and inducing a slew of legal complexities. That’s why you need to hire a top attorney, like this DUI lawyer in Austin, if you ever find yourself charged with a DUI. Their knowledge, strategic approach, and emotional support can make a substantial difference in the outcome of your case, potentially saving you from severe penalties and preserving your future. Remember, legal representation is not only vital for your defense but also offers peace of mind during a challenging time.

Moreover, it is crucial to internalize how our choices impact our lives and the lives of others on the road. The decision to not drive while intoxicated is not just a personal one; it is a commitment to upholding the safety and well-being of our communities. This sobering perspective on drunk driving is essential for fostering a responsible approach to enjoying nightlife and social events.

Public Transportation Options for the Responsible Drinker

For many, public transportation offers a reliable and economical alternative to driving after drinking. Buses, subways, and trains can transport you to your destination safely while allowing you to avoid the responsibilities and risks associated with driving. Checking your local transit schedules before heading out can help in planning your night accordingly.

When utilizing public transportation, you need to be aware of the service hours and any potential schedule changes on weekends or holidays. Late-night services are often offered in bigger cities to cater to the social crowd, providing a hassle-free way back home after the bars close. Navigating public transit may seem daunting at first, but transit apps and information booths can ease the process and guide you on your journey.

The added benefit of choosing public transportation is its environmental advantage. By opting for a shared mode of transit, you’re contributing to reduced traffic congestion and lower emissions. This, alongside the safety and cost benefits, makes public transportation a commendable choice for returning home after a night out drinking.

Designated Driver Programs: Coordination for Safety

One time-tested method to protect the safety of all is through designated driver programs. These initiatives encourage one person in a group to abstain from drinking alcohol for the evening and take on the responsibility of driving everyone home. Selecting a designated driver before heading out can be a matter of drawing straws or volunteering, but it is a decision that should be respected and taken seriously.

Designated driver programs can be formalized by establishments or local community groups, which sometimes provide incentives such as free non-alcoholic beverages to the designated driver. This acknowledgment appreciates their responsibility and encourages others to take on the role in the future. Many lives have been saved, and countless accidents avoided through this straightforward yet effective approach.

When a friend or family member agrees to be the designated driver, the group must support them and not pressure them into drinking. Their selfless act is a gift of safety to the entire group. Challenges may arise when everyone wants to join in on the festivities, but rotating the role of the designated driver on different occasions can keep it fair and manageable.

As you can see, there are a variety of ways to be sure that a fun night out doesn’t turn into a life-altering mistake. From utilizing ride-sharing apps to taking advantage of public transportation, planning for a designated driver, or offering safe alternatives at events, being proactive about transportation can make a significant difference. Overall, by prioritizing safety, we can all contribute to reducing drunk driving incidents and protecting our communities.

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Alternatives To Driving: Tips for Making It Home Safely After Drinking

Holidays are a staple of the winter season, which comes with the beauty of snowy landscapes that we can witness from the warmth and comfort of our homes.

However, this beautiful and cozy season brings some problems for us as well. As the temperature drops, all homeowners have a united fear; frozen pipes. this isn’t just a mild inconvenience; this can lead to significant damage to your pipes which is costly to repair. Don’t worry though, you’ve come to the right place, as we will teach you how to take the preventative measures to avoid your pipes freezing this winter.

Understanding the damage and risk

Before we look into the preventative measures to keep pipes from freezing. Let’s understand why it happens in the first place. what happens is, the water inside the pipes reaches a freezing point, which causes it to turn into ice. Ice has a larger volume than water, which means it takes more space than in liquid form, in other words, it expands. This expansion exerts pressure on the walls of the pipes, it may be fine if it happens once, but when it is a repeated cycle of freezing and thawing, the pressure will cause a lot of damage that will start with just minor leaks, then it might cause them to burst.

Tips for prevention

there are a few simple tips and tricks that you can use and employ in your daily lives as cold weather precautions to avoid pipe damage;

Maintaining a consistent water temperature:

One of the main reasons for pipes to freeze is due to the water temperature being inconsistent. You should make sure that your home heating system is working, so your pipes don’t freeze. Even if you’re planning on leaving your home for a while, it’s wise to keep a minimal temperature maintained.

Insulation of the exposed pipes:

Pipes that are exposed to the harsh winter weather or are in areas that don’t receive heating such as your basements, attics, or crawl spaces, are particularly susceptible. Insulation of these pipes with foam sleeves or wrapping can provide an extra layer of protection.

Seal Leaks:

If your home walls have any gaps or cracks that can lead to cold air seeping in, you need to seal these areas immediately to prevent freezing air from reaching your pipes.

Allow your faucets to drip:

On nights that have extremely low temperatures, it’s smart to let your faucet drip. This way the pressure inside the pipes won’t build up. you can keep a bucket under the faucet so you don’t waste any water though.

Open Cabinet Doors:

If you have your pipes under cabinets like the kitchen faucet or the bathroom sink, you need to open the cabinet doors occasionally to let the warm air circulate the pipes.

Disconnect outdoor hoses:

Before extreme winters hit, and snow starts to fall, you need to disconnect as well as drain all the hose that are outdoors. Because if your hose is filled with water, it can freeze as well and cause pressure to build up in your pipes too, increasing the risk of frozen pipes or damaging them.

Consider Advanced solutions:

This hack is for those who live in extremely cold climates, install a temperature-controlled system that would maintain a steady temperature in your pipes on their own, or even a pipe heating cable as a permanent solution.

Conclusion:

Frozen pipes are not just a minor inconvenience for the winters, it’s a huge problem as it can damage your home and your pipes and would require extensive repairs that are costly too. So, by following these tips you can ensure regular maintenance to safeguard your home and avoid the extra hassle of dealing with your pipes freezing over the winter. Moreover, investing time and resources in preventative measures will not only alleviate the immediate burden but also give a sense of security and peace of mind. Remember, “An ounce of prevention is worth a pound of cure.”

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Keep Your Pipes From Freezing This Winter with These Simple Tips

Crypto listing is the process of adding new coins or tokens to a cryptocurrency exchange platform that enables token visibility for a wide audience of traders and investors.

Listing is a crucial step in a crypto project’s development, for it facilitates further growth of trading volume and liquidity, and helps attract investors to the project. Listing on top-tier platforms is not a quick process, taking a lot of time and effort. In this article, we will discuss the stages of crypto exchange listing, particularly the requirements that centralized exchanges demand projects to meet.

Typical Application Requirements for Getting Listed

To list token on exchange, projects take the following steps:

1. Choosing an exchange (considering reputation, listing fees, compliance, and other factors).
2. Assessing a project’s budget and comparing it with the cost to list on a top-tier exchange like Binance or WhiteBIT, for example.
3. Arranging and submitting the required documents.
4. Waiting for the application to be reviewed (they may say yes, no, or ask for additional documentation).

Let’s drill down on the process of submitting documents. Typical application requirements include the following information from a project that applies:

• Project details (name, website, coin ticker, number of holders, etc.).
• Project mission, target audience, roadmap, top competitors.
• Whitepaper (ICO, team, and their backgrounds, etc.).
• The type of the project (dApp, DeFi, NFT, etc.).
• Current status of the project (Test or Main net, planned launch, etc.).
• Tokenomics (market cap, max token supply, token standard, etc.).
• Project community, social networks (Discord, Reddit, etc.), and recent activities (meetups, airdrops).
• The legal opinion made by a top law company and its status (token or coin, security, or another regulated asset).
• Project advisors list.
• A report on a security audit conducted by a third-party company.
• Partnerships with crypto market makers (many exchanges tend to list a token that comes with a market maker, for that means liquidity is already injected). Exchanges are not motivated to list “dead” tokens.

What are the Benefits of Token Listing?

Once the token is listed on a reputable exchange, it becomes visible and tradeable in the crypto space. Having passed through all the mentioned checking and negotiations, submitted documents, and audit reports, a project has a chance to show its token to the world and expect mass adoption. Listing on an exchange is a path to project growth in terms of trading volume and liquidity, expanding its community and user base, and attracting large market players.

Final Word

The process of applying for token listing is not a cakewalk – projects need to provide a range of documents and prove their token meets an exchange’s requirements. However, it’s worth it, given the outlook of increased trading volumes and liquidity.

Read more:
How to List Your Cryptocurrency on Exchange: Typical Requirements To Meet

In this modern era, there are so many ways for people to get into accidents or get injured; not just on the roads, but even at your home, work, or anywhere else.

So it’s important to have some essential first aid skills. Basic first aid training can make the difference between life and death. This article will get into the intricacies of the importance of acquiring these skills and how can individuals feel empowered enough to respond properly in such emergencies.

Understand the basics: Why first aid skills matter

First aid, as the name suggests, means the immediate care or aid provided to an individual who is sick or injured, until professional medical assistance arrives. The main goal is to preserve life, try to prevent the condition of the patient from worsening, and encourage recovery. No doubt, professional medical help is essential, but immediate intervention or first aid can significantly decrease the chances of death in most cases.

Imagine you’re in a situation where a person in front of you collapses and isn’t breathing. If you know basic first aid and CPR you’ll be able to administer it and potentially revive the patient.

Basic First Aid Skills everyone should know

Many things are taught in first aid courses, these are the few ones that are essential for everyone to know so they can provide emergency first aid when needed.

Cardiopulmonary resuscitation (CPR):

I’m sure everyone has heard this term before, and let me tell you, it’s one of the most essential first aid skills that you should know. It involves chest compressions and rescue breaths, basically breathing for the person through their mouths by plugging their noses. This can sustain a person’s life until emergency medical services arrive, especially in the case of cardiac arrest.

Basic Wound Care:

Learning how to care for wounds, when to dress them, and when not to, can prevent a ton of infections and help the body heal faster. Understanding when to apply pressure, elevate a limb, or even use a tourniquet is invaluable knowledge that everyone should have.

Choking response:

Choking is one of the leading causes of death in children and the elderly, around 4,500 to 5,000 choking-related deaths occur in the United States every year so knowing the Heimlich maneuver or abdominal thrusts for toddlers can help dislodge anything that is blocking the airway to restore normal breathing for the individual.

Recognizing signs of Shock:

Shock is a deadly condition that can occur in people due to trauma, heatstroke, blood loss, or even an allergic reaction. It requires immediate intervention, so understanding the symptoms of it. Signs of shock include pale skin, fast pulse, and shallow breathing all of these may be signs of it that need timely assistance.

Burn Treatment:

Burns are the most painful wounds a person can experience, so knowing the first aid care for burns is important because they can happen anywhere. You need to have enough knowledge to be able to assess and treat burns based on their severity, first, second, or third, as all of them require different types of care.

Role of First Aid in everyday situations:

First aid isn’t just related to huge incidents or accidents, you may need it in everyday situations.

At home: if you have first aid knowledge then minor cuts and sprains from falls can be taken care of properly.

Workplace incidents: many workplaces either require first aid training or prefer individuals with first aid training when hiring. Whether it’s a small office or a huge construction site, accidents can happen, and being prepared is essential.

Outdoor activities: Outdoor recreational activities are important for our health, and being vigilant is just as crucial. Whether you’re hiking, camping, or chilling at the park, many emergencies can arise, from a simple fall to a huge cut. So first aid skills can ensure that your outdoor activities are safer and more enjoyable.

Conclusion:

Having essential first aid skills can greatly improve our daily lives, it’s not just a responsibility but also a necessity. So if we have the right knowledge and techniques to respond during emergencies, we can create safer environments for ourselves and others. First aid courses not only provide you with life-saving techniques but also help you timely assist those in need of professional medical assistance to potentially save their lives.

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The Importance of Essential First Aid Skills in Everyday Life

With technology, anything is conceivable. From digital assets to NFTs. Non-fungible tokens, as some of us know, can be used to purchase some digital assets.

These are unique tokens that are powered by blockchain technology. It is used to own and trade digital assets such as digital art, a digital copy of music, collectibles, and even virtual real estate. Yes, you can use it to make purchases like a normal currency, but only in the digital realm.

The rise of NFTs provided new opportunities. Allowing artists, creators, and collectors to monetize and exhibit their work. Their impact on the digital asset realm is significant. Making a huge impact in the digital world by adding authenticity, scarcity, and provenance to digital creations. Digital assets can now be owned, valued, and traded like assets in the physical world. Ushering in a new era of digital ownership

What to Look for in an NFT Platform

When picking an NFT platform, consider crucial factors. Look for one with a broad and diverse user base to enhance the audience for your artwork or collectibles, boosting your chances of making sales. Additionally, consider the platform’s reputation and track record. Look for venues with a proven history of successful transactions and satisfied users.

The interface and usability of a platform are essential components. For both buyers and sellers, a user-friendly platform makes transactions and navigation easier. Finally, consider the policies and fees of the site. Make sure the platform has robust security mechanisms in place to guard against fraud and fake goods, and that prices are fair and clear. Taking these things into account will assist you in selecting the top NFT platform.

OpenSea – A Giant in the NFT Marketplace

As of December 2022, OpenSea reported 2.5 million registered users, a substantial rise over its March 2020 stats, which were 61 times lower. According to Contrary Research, there would be 1.5 million active users by April 2023. Based on 2024 projections, OpenSea is still regarded as a leading NFT marketplace with one million members to stay active on the platform.

What attracts traders to the site is its extensive selection of digital assets and easy-to-use interface. A single marketplace where NFTs can be purchased and sold. Offering a large selection of virtual property, domain names, collectibles, and digital art in their catalog. Its trusted platform status inside the NFT stems from its reputation for security and transparency.

Moreover, OpenSea operates non-custodial, ensuring that all transactions occur directly between sellers and buyers without the platform holding any custody of the assets. Users must link their crypto wallet to the platform to buy, sell, trade, or create NFTs on OpenSea. An order must include marketplace fees, 2.5%, paid to OpenSea. A charge may consist of creator fees, which the authorized editors vary and set on the collection.

Rarible – Democratizing the NFT Space

Rarible, a fascinating new NFT platform, is democratizing the NFT market and causing waves in the sector. It gives creators total control over their work and the opportunity to make money straight away by making it simple for them to mint and sell their digital assets.

Without the need for middlemen, this platform enables musicians, artists, and other creators to showcase and profit from their original works. To turn their work into an NFT, creators must first “mint” a token using Rarible’s software. Because of Rarible’s creative strategy, artists now have more ways to engage with their fans and develop their digital businesses. A 1% fee is assessed by Rarible for transactions involving both buyers and sellers.

NBA Top Shot – For the Sports Fanatics

Now sports enthusiasts can level up their support for the game. NBA Top Shot is an ideal NFT platform to indulge their love for the game. An innovative platform that allows users to collect and trade officially licensed NBA highlights for NFTs, whether it be electrifying dunks or a game-winning shot. Providing passionate fans a unique chance to possess a portion of basketball history.

Remember the days when NBA fans went crazy collecting NBA cards? Now, witness its digital counterpart, which includes a highlight video to capture the moment. These digital collectibles are available on NBA Top Shot, where you can purchase them directly or through auction.

LeBron James’ NFT moment once fetched around $388,000 in an off-chain auction back in April 2021, securing its place as the most expensive moment in the collection. Derrick Rose’s winning layup in his younger years is also on par with LeBron’s piece, marking it as a significant moment in the ‘From the Top’ series, with only 59 duplicates in existence. In February 2021, someone paid $19,999 for one of these moments, ranking it at number 56. The average price for these moments is around $10,097.90, emphasizing that, for some, it’s not just about the money.

This particular moment holds sentimental value, reflecting the good old days when Derrick Rose played for the Detroit Pistons, showcasing his skills on the court. Remarkably, even now, he continues to leave an impression with his exceptional finishing moves

This platform brings the thrill of sports memorabilia to the digital realm. When an NFT is sold on the Marketplace or the All-Star VIP Marketplace, a 5% fee is deducted. For instance, if an NFT is listed at $10.00 and sold, the seller receives $9.50 in their Dapper Balance after the fee is applied.

Poker NFT

In 2024, prepare for an exciting evolution in online gaming with the rise of Poker NFTs. This innovative blend of poker and blockchain tech is making online card games feel fresh and super secure. It adds a distinctive touch of authenticity and ownership to the traditional card game. Now, there’s this new thing called Poker NFTs. They’re like special digital poker cards that collectors can grab, making online gambling in Australia and around the world even more intriguing. It shows how technology is changing the gaming scene, offering players engaging and dynamic opportunities. Casino operators are quick to catch up with these trends, tapping into a different side of players’ interests. They are now providing VIP programs, offering thousands of casino games, constant bonuses, free spins, and welcome bonuses to meet the demands of the modern, tech-savvy player.

Conclusion

It is essential to be prepared for the future of NFT and its impending developments because the NFT market is changing quickly. In order to succeed in trading, one must be knowledgeable and adaptable. Be alert to emerging trends and platforms, and be willing to consider new prospects. Assume the initiative to educate yourself on blockchain technology and how it affects NFTs. Make connections with other NFT producers and aficionados to exchange ideas and gain knowledge from their experiences. You’ll be ready to confidently manage the dynamic and ever-changing world of NFTs if you remain informed and proactive.

Read more:
Examining the Best NFT Markets to Prepare for 2024

British households will benefit from improved routes for recycling electronic goods from 2026, under government plans to have producers and retailers pay for household and in-store collections.

Consumers would be able to have electrical waste (e-waste) – from cables to toasters and power tools – collected from their homes or drop items off during a weekly shop, the Department for Environment, Food and Rural Affairs (Defra) said in a consultation published on Thursday. The ambition is for retailers, rather than the taxpayer, to pick up the tab for these new ways of disposing of defunct, often toxic products safely. The measures are due to come into force in two years’ time.

Almost half a billion small electrical items ended up in landfill last year, according to data from the not-for-profit Material Focus. This problem was particularly acute during Christmas, when 500 tonnes of Christmas lights were thrown away, the government said.

The latest proposals build on efforts to grapple with the issue that the UK helped develop as a member of the EU. This included the Waste from Electrical and Electronic Equipment (WEEE) directive, which came into effect in 2012. As with other waste-related rules they follow a principle that the producer of the waste will foot the bill for its disposal, which the UK and EU have followed in areas such as plastic packaging.

The EU this year adopted policy recommendations for member states to improve collection of recycled materials, although targets vary by country.

Post-Brexit, the UK has failed to keep pace with some EU regulatory efforts. The bloc is attempting to reduce e-waste with laws including a right to repair products, and requiring common chargers for phones (USB C) rather than Apple’s specialised lightning charger from 2024 onward. Cables, which are often hoarded as well as wrongly disposed of, are a major contributor to electronic waste.

A lack of effective recycling capacity in areas such as battery processing has also left the UK lagging behind European peers on a range of recycling rates. An OECD study of British data shows it failed to meet its recycling targets for household e-waste from 2017 to 2020. The review by the economic thinktank found “further efforts are needed” for the UK to prevent illegal dumping and export of electronic waste including bringing in a proposed mandatory waste tracking system.

The struggle to meet recycling targets comes despite Britain being one of the heaviest consumers of such items, according to a study by the consumer group U-Switch using data from the Global E-Waste Monitor report. The UK was second only to Norway for the amount of electrical waste it generates per person. Comparable data on electronic waste is patchy and needs improvement, MPs have warned.

Measures aimed at easing the problem of electronic waste now include requiring larger retailers to create “collection drop points for electrical items in-store” for free, and without the need to exchange this with a new purchase.

From 2026 onward, bricks-and-mortar retailers and online sellers would have to collect any broken or rejected large electrical goods including fridges or cookers when they are delivering a replacement product, Defra said.

The recycling minister, Robbie Moore, said: “Every year millions of household electricals across the UK end up in the bin rather than being correctly recycled or reused. This is a sheer waste of our natural resources and has to stop.”

He added: “We all have a drawer of old tech somewhere that we don’t know what to do with and our proposals will ensure these gadgets are easy to dispose of without the need for a trip to your local tip. Our plans will also drive the move to a more circular economy and create new jobs by making all recycling simpler.”

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Retailers to pay for consumers’ e-waste recycling from 2026