Expect to See Fixed Rates on Motor Trade Finance

Changes Could Come Sooner for Drivers

Drivers could enjoy fixed rate motor finance thanks to the findings from a Financial Conduct Authority report. It found that there were three key areas where change is likely to occur – removing the Difference in Charges (DiC) types of commission, more transparency when it comes to finance and more careful checks on affordability.

These changes could come sooner rather than later for motorists, but the changes are inevitable, with some dealers already using this single fixed interest rate. It also looks as if it will become the norm. The only negative for the broker is that they will be unable to control the interest rates, which they in the past would have varied and ultimately have enjoyed increased commission. Alongside this change, there may be a requirement to publicise commission levels.

There have been concerns about commission in finance. This relates to the use of commission models that connect the commission for a broker to the interest rate offered to the customer. This usually gives brokers the scope to set whatever interest rate they choose. However, the report states that this produces conflicts of interest, and it also brings about incentives for the broker to set a much higher interest rate for the customer.

Consumers Are Being Overcharged by Millions Annually

The Financial Conduct Authority reckons that on a car finance agreement of £10,000, the customer could be paying around £1,100 more in interest payments over the four years that the agreement is in place. Consumers are believed to be overcharged around £300m annually – that’s according to Jonathan Davidson, who is the FCA’s executive director of supervision for retail and authorisations.

According to The Express, drivers in the UK could see a drop in their car insurance premiums as a result of a review to a compensation rule. If you own a business and require motor trade insurance for your vehicles, then quotemetoday.co.uk/motor-trade-insurance will offer a friendly, professional service.

The FCA also found that where disclosures of commission were made, the figures were not always easy to understand, with the result that customers may not have enough information at hand to allow them to make informed decisions on such important issues as finance.

Best Design Layouts for a Commercial Kitchen

The kitchen is the heart of any restaurant or food serving establishment. As such, when designing your perfect kitchen you want to ensure you’re making the most out of the space.

Understanding how commercial kitchens work is vital for creating a good layout. Get this right and you’ll have happy chefs, fast food and satisfied customers.
Commercial Products
There is a whole range of appliances which have been created specifically for a commercial kitchen. These will help you when covers are running high and keep the kitchen running smoothly even during the lunchtime rush. Take some time to consider what’s on the menu to
keep appliances relevant to the meals you need to cook in order to reduce wasted space and keep efficiency high.
Commercial ovens and ranges are specifically designed to cook large volumes of food under pressure. If your restaurant is serving a BBQ-based menu, look for a large grill. If sauté dishes are more your style, then have a look at some six-burner commercial ranges to give you an idea
of what you might need.

It’s not just ovens which can be customised for the commercial kitchen.
https://www.247cateringsupplies.co.uk/commercial-warewashers/commercial-dishwashers offers a huge range of commercial dishwashers to suit every budget and kitchen size, along with serving trays, fryers and lots of specialist equipment for your kitchen’s more specific requirements.
New, Lease or Used?
Once you’ve established the equipment your kitchen needs for success, the next question is whether you buy the products brand new, lease them or pick them up second-hand.
The answer to this question really depends on the product you’re looking at. For example, you may wish to lease something like an ice machine, which has a short life expectancy and can be expensive to repair.Commercial ovens can be brought second-hand, as they tend to last a long time if properly cared for.
Remember, if buying second-hand equipment, ensure it complies with any relevant health and safety laws, as buying something cheap but faulty can become far more expensive to rectify in the long run than buying new.

Keep It Clean
There’s nothing less appealing than eating at a restaurant with poor hygiene ratings or a reputation for food poisoning. Keep your customers coming in by ensuring your kitchen is cleaned regularly.

Some of the worst conditions ever seen.

We are living in a golden age for employment. We have paid holidays, paid sick pay, share options, we can contest in law the times when we have been wrongly dismissed, and employers have brought in flexible working and
dependency leave plus the right to work in a safe environment. 150 years ago, they also believed they were living in a golden age and if you were the owner of a cotton mill it certainly was. But life for the workers was a far cry from the environment that employees creating Farah Shirts like ejmenswear.com/men/farahenjoy today.

The Mill was a symbol of a revolution in Britain. Driving entrepreneurs were making the most of the Empire and the wealth it was bringing in through colonialism and the development of the steam engine. The world of the semi- skilled mass rural farmworker living in a village or small market town was rapidly changing as the work forced them from the land to the urban growing cities such as Manchester and Salford and the Mills and factories there that awaited them. One such example remains with working machines; Quarry bank Mill

It is quite hard for us to comprehend what life must have been like for these workers. They had been poor in the country and the wages that the Mills offered were much greater. However, in most cases the owners viewed the
simple fact that they provided them with employment and a meagre wage as sufficient. It soon became apparent that the male population would not be enough to fuel the machine and soon women were being employed, albeit on lower pay, and then finally children as young as 5 on virtually non-existent pay. Your working life started at 5 years old. There was no pension, there were no working rights, and if you were sick you were not paid and risked being dismissed. Any kind of voicing of dissatisfaction was also met with dismissal. The people who worked in the mill, whatever age, were little more than paid slaves.

Pauper children, boys and girls who were orphans or were given up by their parents as they could not afford to feed them are an example of this. Owners made deals with the Guardians of the children that they would be provided to make labour. Apprenticed to the Mill, so sealed to it in law, they could expect to work fifteen hour shifts and have cramped sleeping conditions. As one set of children came in, another replaced them. They paid 2 pence a day, a pittance even then.

The mill’s spinners deafened you. You would wad used cotton in your ears to stop the noise leading to infection; the cotton dust gave you cancer and various fatal or debilitating lung diseases (meaning that you could not work so you would be dismissed bring destitution to your family). You were in this working environment for thirteen hours a day 6 days a week. Dark satanic mills indeed.

Six Characteristics of a Good Courier Driver

Courier driving is big business these days. Online shopping means more vans on the road delivering to private addresses.

The trend for shopping online looks set to increase, as indicated in this article:https://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11657830/Online- shopping-to-grow-by-320bn-in-three-years.html. There are six critical factors to providing a good courier service.

1) Organisation
A driver may have between 50 and 100 parcels to deliver every day, so it is crucial to have a plan in terms of the route and packing up the van in a logical order. Using Google maps or a sat nav, and taking advice from the customer if a property is difficult to locate, are all tools that a good driver will use wisely.
2) Being Safe and Legal
A good driver will keep within speed limits and not park inconsiderately or illegally. On rural roads, drivers will be aware of horses and other animals, as well as walkers on the road. If the mobile phone needs to be used, it is essential to stop or to have an efficient Bluetooth system.
3) Delivery Stops
The driver will have to be prepared for customers not being at home and will be prepared to ring to check if anyone is indoors. If necessary, he will leave a card if the customer is not at home. In some cases he may take a photo of the front door.
4) A Positive attitude
Good drivers will leave their problems at home. A bad frame of mind can lead to erratic driving or being rude to customers.
5) Checking the Diary and Reviewing the Day
A good driver will assess how the day has gone and sort out any issues or problems. It may be necessary to review the map and route plans if there have been any tricky moments. Before moving on to the final point, remember that customers looking for a same day courier Birmingham have many options. So why use a same day courier in Birmingham? Because of the level of service.
6) Not Being Over-Zealous
Those drivers who become very fast and efficient may find that the work is piled on to an unmanageable level by an unscrupulous employer. There are targets to be met, but the job can become dangerous, and there will be more unhappy customers if the courier driver is over-burdened with work. It is a fine balance to be achieved.

Identifying the difference between structural adhesives and traditional fasteners

All industries require a form of adhesive
Adhesive technologies have undergone growth in recent years, and designers and engineers are becoming more interested in understanding their potential as well as the differences compared to traditional forms.

All industries, from manufacturing to aerospace, marine and automotive use a form of adhesives in some way. It’s the transportation industries, however, that are adopting the latest forms of adhesion. Using these methods can reduce cost, time and weight while improving performance.
As an added bonus, putting this into practice is more environmentally-friendly, and these adhesives allow for greater designs.
In comparison, adhesives are applied in one step and there is no requirement for sealants. Other advantages of using an adhesive include the ability to form a watertight barrier. The formulas can also be produced or even altered to resist chemicals. Manufacturers will choose an adhesive to lower the final weight of their product. They will be able to ascertain when to use adhesives, rather than welding or adding fasteners, by looking for specific indicators in the process. Adhesives will require usage if the products are to be exposed to water or chemicals.

Fuel and shipping savings can be made

Weight reduction is important with regard to an airliner because there will be significant cost savings over the lifespan of the plane. Fuel savings can be made by reducing the weight of planes, vehicles and even boats, and this reduction can make the product easier to transport and it can make shipping costs a lot less.
According to Tech Exploreengineers are taking a detailed look at the general structure of bird feathers as a model for potential new adhesives.

For companies seeking a powerful metal bonding adhesive, CT1 is the answer and can provide the solution to make your products more cost effective. The savings from choosing adhesives can be achieved in various ways. Adhesives offer cheaper material costs and, in addition, savings can be made via reduced ordering, shipping, and stocking costs. Stocking of rivets, bolts, washers and screws can be eliminated by the use of one adhesive.
Staff and labour required for welding can also be reduced through the use of adhesives. The

reasons are that the attachment points require more manpower and often repeat work if the methods should fail.

Is it possible to paint uPVC windows?

uPVC is usually what today’s window frames, doors and conservatories are made from due to its ease of maintenance and strength. uPVC can be made in many different colours and even a wood effect, but if you already have windows and doors installed, and wish to upgrade them without installing new ones, you might be wondering if you can paint them.

Can I paint my windows?

You can paint uPVC, although there are some steps you need to take, as if you paint your windows and doors incorrectly, it can peel and discolour, then be difficult to remove. Paint will not stick to uPVC well, so a good primer that is suitable for uPVC should be used. According to The Guardian
, windows must be spotlessly clean before a primer is applied as any dirt, or dust can affect the primer and the paint. When applying the paint, always use one specific to uPVC, as it will be designed to cover plastic. A brush can leave stroke marks, so try a mini-roller which can minimise ridges. Also be
sure to leave the paint to dry for the amount of time specified on the tin between coats, as this can prevent peeling.

What are the risks of painting UPVC windows?
Whatever the windows you have, be they casement windows such as
, sash windows or bay windows, you can give them a new lease of life by painting them. However, there are some risks involved.

If done incorrectly, painted uPVC will look worse than it did before. Paint can look patchy, as it doesn’t stick well to plastic, so if you haven’t used the correct primer, it could flake or peel. A build-up of layers of paint could also prevent the doors or windows from opening properly as they will be thicker than they were.

Finally, uPVC is versatile and is so popular because it is incredibly easy to clean. It can be washed, wiped and even hosed and remain looking as good as new. You will be unable to treat painted uPVC in the same way and again, will risk the paint flaking or coming off completely.

If you still want an upgrade, and buying new windows isn’t an option, you can paint them. Just be sure to prime properly and follow the paint instructions.

Military Experience Ideas for Christmas

If you’re stuck for Christmas gift ideas for the adrenaline junkies in your life, consider a military experience day. Here are some suggestions for the ultimate day out: Tank Paintballing You can’t have much more fun on two tracks than you can with a tank paintballing battle. Spend the day as a commander of your own real-life tank with an experienced instructor on hand to show you how to operate the beast machine as you prepare for battle against the enemy team. Paired up with other participants or your mates, you’ll each have a turn at the different controls inside the tank. Have a few practice shots with the giant paintballing gun and then head off to cover your opponent’s tank in paint. For the best Tank Driving experience,visit armourgeddon.co.uk/tank-driving-experience Secret Agent Fancy yourself as a bit of a James Bond? Well, it’s not all Aston Martins and glamourous women unfortunately. You’ll need to learn a host of skills including unarmed combat, use of a sidearm and marksmanship skills. Consider a full day experience of learning the real challenges faced by secret agents, including shooting a blank firing real 9mm pistol, how to shoot from a moving vehicle and sniper skills. You’ll then have your very own mission to complete where you can put your newly learned skills
to the test. Tactical Training Think you’ve got the ability to take on anything you face? A tactical training day will allow you to learn how to handle weapons and master the skills of posture and stance as demonstrated by the instructors. After a couple of hours of training, you’ll embark on your assigned mission. You’ll need to apply everything you’ve just learned in order to meet the objectives of rescuing the hostage before the time runs out.

This is a top military simulation sport that mimics a real military attack using real weapons and special tactics. Most locations are former warehouses or arenas with multi levels that are made up to replicate bombed out areas or war zones. There are usually hidden rooms and mazes, great for hiding and planning your next move of attack. There are special effects galore to make it as life-like as possible and the weapons are full-size replicas firing 6mm plastic balls. You’ll have an opposing team to beat as you fight for victory in a completely fun and immersive experience.

Current Trends in Wedding Photography


Wedding photography is an evolving field that requires artistic talent, vision, and highly technical expertise.

In the past wedding photography was almost always limited to stiff posses without much regard for the underlying story, emotion, romance, and behind the scene events of the wedding day.

Although there is still a big segment of the wedding industry that practices traditional photography with its preplanned poses, and recreation of the wedding peak events such as the kiss, the ring exchange, etc., the modern wedding couple demands a more contemporary approach to their wedding day.

Wedding photojournalism has been in vogue for the past decade. The central idea behind it has been the capture of the wedding events without any interference or direction from the wedding photographer. The photographer is there to capture the true essence of the wedding day. As a result of this realistic approach the photographs are a true representation of the wedding day. Hard core wedding journalistic will be totally opposed to posing any wedding related event. If it doesn’t not happen during the wedding it won’t be recorded. This includes family group photos.

Several photographers offer a hybrid approach to wedding photography, usually a combination of traditional and journalistic wedding photography. In this approach the photographer focuses on documenting the wedding day but the coverage also includes a session with the couple for formal posed or semi-posed photographs and also family group photos.

The latest trend in wedding photography is toward a more fashionable approach. Inspired on high-end fashion magazines such as Vogue, Elle, InStyle, Cosmopolitan, Glamour, GQ, American Photo, etc., and wedding magazines the photographer seeks to make the couple’s fantasies real.

In the fashion wedding photography approach the goal is to make the wedding couple look their best. Their romantic interplay is glamorized to its maximum expression. The everyday couple becomes like wedding celebrities. Attention to detail is required to achieve the perfect look. This approach requires a great deal of artistic talent behind the camera and also great computer image editing skill to produce a unique photo. Half the photo is made on the camera with the second half achieved though digital image editing and manipulation.

Which style is best, is for you to decide. In our experience a big segment of the wedding couples want to capture the reality, details and romance of the wedding day but at the same time they have fantasies about their wedding and the way they should look.

When making a decision for a wedding photographer look closely to the photographer’s portfolio and see how it agrees with your philosophy on how your wedding day should be photographed. Regardless of your philosophy please make sure that you select a master of the craft, you and the next generation deserve masterpiece memories of your wedding day.


Pros And Cons of Using Microfiber Towels


The invention of microfiber brought a revolution in the market few years back. Microfiber towels were successfully launched for cleaning and dusting. Microfiber towels even proved useful to clean oil stains. Right from its inception, this fiber was considered to be far more superior to other fibers available in the market. Microfiber is not only superior in quality but is also quite affordable so it became extremely popular in the cloth industry.

With an excellent cleaning capabilities these towels also became very popular at home for day to day use. This is why people started using such towels for heavy cleaning.

Prior to the invention of microfiber, people preferred to use cotton towels which had an excellent absorption power. But microfiber towels have very high absorbency as compared to cotton towels. Microfiber was an excellent alternative to the old cotton in various products like in microfiber bath towels, sportswear, dusting towels etc. Since these towels have very high absorbency, they are very often used by sports persons and in the gym since they effectively absorb sweat of the person. The average life of microfiber towel is many times more than other conventional towels.

Microfiber brought real change to our lives as it delivered excellent products which replaced other fibers used so far. It is considered to be the best material to wipe out all stains on furniture. If suppose you have spilled some liquid on table or some sauce in kitchen then a microfiber towel can be used to clean them perfectly without leaving a trace of the incident. This kind of towel is not only known for being the best absorbent and it also dries up quite fast.

Microfiber bath towels are extensively used at swimming pools because of its high absorption quality. When swimmers come out of the pool they wipe out their bodies using these. Also, since they are ready to use in very short interval of time as they dry up very quickly, the swimmer can use it again after the wash.

Microfiber bath towels are generally preferred by people living in colder regions where drying your towel daily after bath is not that easy. Even at room temperatures microfiber bath towels dry up much faster as compared to regular cotton bath towels, hence preventing your towel from acquiring mildew odor which initiates due to dampness.

Microfiber bath towel need special care while washing. An extra effort is required from your end to maintain such towels. You can easily wash cotton bath towels with hot water and soap in your washing machine, but washing these towels is a bit more elaborate. While washing a microfiber bath towel you need to follow the wash instructions given on your towel. By following these simple wash instructions you can enjoy using the microfiber towel for a very long time.


Affiliate Masters Course: A Review


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The course will teach you how to come up with a   unique  website concept. You will learn to brainstorm hundreds of profitable website niche ideas with keyword-focused content pages that are guaranteed to make you earn money… to attracting targeted, motivated traffic that redirects on your recommendations, and buys from the retailers you represent.

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Although in the past, the ideas that it introduced seemed to be a bit unacceptable, at present, it has become accepted and used by everyone all over the internet, and thus, all over the world. While everyone is still lagging behind the “old-new” ideas, this course was already out there giving away “new-new” ones.

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