Winter Newbie: A Few Tips to Keep you Warm This Winter

Seasons come and go, but for some reason, the winter seems to creep up on you. There you are, enjoying the warmth of each day, and all of a sudden a chill starts to take over your days. You realize that winter is around the corner. You should be prepared for the winter with the right winter basics. The following are some basics you should have, especially if you know you cannot handle winters as well as others.

Inner Warmth

One of the most important things you need to make sure you have this winter is that under layer. Layering is not something that you worry about much in warmer climates, but it becomes vital during the winter. You want to wear leggings and thin sweaters under the rest of your clothes. Be sure to consider either silk or wool, which are some of the warmest materials out there. Try to find 100 percent silk or wool to get the best out of your clothes.

The Socks

You probably already have your winter shoes, which are likely pretty warm, but you need to consider your socks. Most people have cotton socks, and those absorb moisture, which can make you feel even colder. You want to do the best you can to purchase warm socks this winter, especially if you are going to be outside for long periods of time. Stick to wool or alpaca, which are some of the warmest options. Make sure that you purchase long socks to get the most warmth out of your pair.

Ear Covers

Those who have walked in cold temperatures know that the ears get pretty cold; it could feel like the chill in the air is hurting your eardrum. You want to do your best to protect your ears during the winter. What you want to wear are ear muffs. Be sure to consider the warmest materials, too. Stick with wool or even fur, which are some of the warmest materials. There are different styles out there if you are worried that you won’t find ear muffs that work with your particular look.

The Coat

Another thing you absolutely need this winter is a good Merino Snug coat, which is made out of fine wool. Again, this is another important layer that you can use to keep warm this winter. Some people, especially the ones that have not gone through a bad winter, think that a coat is somewhat interchangeable with a jacket. This is not the case. Coats are thick pieces of cloth that help stop that chill from hitting your body completely, keeping you warmer longer. Coats are sometimes over-sized to keep more of your body warm during the winter. It also ensures that your clothes for the day stays relative snow-free.

Hopefully, some of these tips help ensure that you are warm this winter. Of course, there are other layers that you need to consider like a good scarf and gloves, but these tips should guide you in the right direction.

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Best Portable Payment System for Businesses

Many business owners today have forgone the typical storefront or stationary location and opted for a mobile business. This allows business owners to save money on rent and building maintenance, and put that money into bettering their service or improving on their product. Whether you determine that using the Clover Station, which is the largest option for a Clover POS system, is best for your business or decide to utilize the Clover Go, which conversely is the smallest Clover POS system, there is a quality portable payment system available that will enhance the way you do business and complete sales. Older credit card systems are outdated, unreliable, and insecure. New point of sale systems are both easier to use, and more productive for businesses. They can interconnect business by enabling you to check on your business from anywhere, or schedule payments from away from the office. Point of sale systems are easily manageable, and everything can be checked on your mobile phone. It is out with the old and in with the new, and point of sale systems are taking businesses to a more productive and advanced level.

Bring The Service To Them

Have you ever been waiting in line and just wished the store would open up more lanes for checkout or wished you could have called your order in so you didn’t have to waste time in line? Many, many people feel this way, so Merchant Account Solutions created the Clover Flex so businesses have the ability to offer smaller lines and shorter waits to their customers. Have a bunch of people in line waiting to place an order? With Clover, one of your associates could walk down the line and take orders, take payments, and give the customer their receipt before they get to the counter. This could expedite the entire purchasing process for you and your customers. Also, no more need to always print receipts, as customers can choose to have it emailed to them. This technology is making it easier to instantaneously send over orders from one part of the business to another, saving time and increasing productivity. It also frees up space over time, by eliminating the need to keep track of papers, and therefore simplifying organization.

Point of sale systems also offers back of the house processes, such as reports, tracks sales, and if you are already utilizing a Clover device it will easily sync with that device so everybody can be current on what is happening in real-time. Connecting the entire business over multiple devices simplifies tasks and automatically inputs things where they belong, rather than manually inputting the same things into different sections.

The days of manual card machines and needing cold hard cash are over. Businesses now have the capability to close sales quicker and get customers on their way. Be prepared to see your business grow with a portable POS system.

For more information on point of sale systems, visit Merchant Account Solutions.

 

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How to Find the Right Car For Your Lifestyle

 

 

If you are considering purchasing a new or used car, you might not be sure what to look for. Perhaps you are concerned that your car might not fit into your lifestyle in a few years, or you might be wondering if your car will be functional enough to do everything you need, from grocery shopping to getting you to work. Here are a few pointers to keep a lookout for, when you are trying to make a choice. Seeking out these qualities, or having an idea of what you may need is helpful before you make a purchase.

Think About Possible Life Changes

You may be single now, but do you envision yourself getting married, having children, or bringing in additional people to your life within a few years? If you think there is a possible yes to any of these questions, consider looking for a car that will accommodate at least three people, or think about getting an SUV. These types of cars will give you plenty of room, but are still not too big, even if you plan on being single for a few more years still.

Consider How Far and How Often You Drive

Do you drive long distances to work, or travel a lot, either around the state or sometimes cross-country? If so, you will want to look for a car that is newer, in good condition, and has low mileage. If you do not drive a lot for work or other reasons, you will still want a car in good condition, but you won’t have to worry about it being newer. Low mileage is always nice to have, but if you are driving only a little, it is not necessary.

Determine if Leather of Fabric Seats Are Better for Your Life

Consider what type of seats would be best for your car and your lifestyle. For example, if you have pets, and like to take them traveling, think about if you would rather have leather (which can be easier to clean with dogs), or if fabric is a better fit for you. Also consider other possibilities, such as having children, hobbies, or traveling, and how these might affect your choices. Figuring this out not will ensure that you are happy with your car in the long term, and won’t want to trade it in or replace it.

Before you go out and buy a car, it is important that you determine what will work for you and your lifestyle. This could range from thinking about if your life will change in the next few years due to family expansion, or if you travel very far for work or other reasons. If you mostly stay at home, you can change the type of car you are looking for, and have less restrictions. Finally consider if you have pets, and what needs they would have if you were to take them for car trips often during the lifetime. Doing so now will help you to find a car that you truly love.

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Recycling Your Old Mobile to save For a New iPhone

 

 

In today’s market, mobile phones typically don’t last more than two years, with the latest releases are forcing older gadgets devices into drawers and cupboards. However, what many people don’t know is that they can still recycle the old phone through recycling companies. Whilst the process of phone recycling may appear stressful, today it has been simplified where you can actually get money very quickly for your old phone or even other electronics. All it takes is for you to send the old device through the post and the recycling company sends you money equivalent to the value of your old mobile phone.

Why Recycle?

If you are hard pressed for cash to get a new mobile phone contract, you could solve the problem by selling your old phones. Many people today have at least one or two old phones lying idle somewhere in the house or office besides the one currently in use. Of course, you could always sell your old phone to a friend or to that used items store near you. However, professional mobile recycling offers an excellent way for getting rid of those outdated handsets while you also safely make some money during the process.

How Does Sell My Mobile Work?

Recycling companies pay when you turn in those older mobile phones in your custody. There are, however, limitations to this recycling process, such as the age of your old mobile phone. In general, any device that is 2G gets immediately recycled and transformed into some new product. Also, note that some places may not pay for such older models if they cannot be refurbished and sold again.

You should not go through the stress associated with selling your old mobile phone by dealing with shoppers who are undecided or that old friend from college who could easily let you down by backing out unexpectedly. Today, there are professional and recycling firms that judge your phone and determine its value before confirming the sale and sending you the money that can go towards acquiring that coveted iPhone 6s!

Which Phones Can Be Recycled?

Any type of phone that can be refurbished and resold can earn you some quick money. Don’t count on getting the big bucks, but if handled smartly, you stand to get a fairly decent deal. This also applies to your ancient, broken, cracked phones as well as other electronics you wish to get rid of. You may still get something back for such or at least be assisted in getting rid of them safely and responsibly.

It goes without saying that what you get in return for your old phone will be dependent on the phone type. For example, an older iPhone 6s model will certainly get you more cash than an old Samsung Galaxy. Obviously when I sell my mobile, the more features it has such as a working camera, the more cash I am likely to receive.

Make Money, Conserve the Environment

Besides the plastic, mobile phones also contain precious metals that can be usefully recycled to save resources that otherwise would have gone to the landfill. When some of these materials get to the landfill, they can contaminate drinking water and the soil as well as pollute the air.

Before Sending Phone Over

If perhaps your phone is only slightly dysfunctional, check with dealers how much a new one goes for you to get an estimate of its value. The problem could be something as small as the battery, which if you replace adds value when you take it for recycling. Be smart and take steps that can boost the value of your old device. You may, for example, sell the charger separately through another channel such as eBay!

Conclusion

Today there are numerous dedicated and super-speedy web-based phone recycling companies which are ready to take away your old phone and in exchange give you cash. So, rather than letting your old phones gather dust in a drawer or sending them to the garbage dump where you get nothing in return, why not recycle them and in the process give them a new or extended lease of life or raise money towards your new iPhone 6s?

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What You Should Learn In Your Startup’s First Year

 

Let’s face it; your first year of business is going to be a tough one. Your one great idea has brought about the desire to set up a company, and it’s more than likely that you’ll be doing this alone. That’s why it’s important that you learn as much as you can during these early stages so that you can assure future success.

How important a business plan is

The decisions that you make now are likely to affect the future of your company, so it is absolutely vital that you’re aware of the importance of a business plan. Your business plan should be considered before your company officially begins operating and it should define and outline your overall vision. Include realistic time frames and profit forecasts as well as considering any issues you might encounter and how these may be overcome.

How to hire good employees

Hiring for any company is difficult but hiring for a startup is even harder. You’ll probably have a limited flow of cash and hiring the wrong employee at such an early stage could turn out to be financially disastrous. You need to make sure that the people that you hire are aware of, and share, your vision and long-term goals. Remember that word of mouth is an effective hiring tool, especially once you’ve built your brand and an attractive company culture. Talented people always want to work with other talented people – bear this in mind, and you won’t go wrong.

How to manage your expenses

One of the main reasons that companies fail within their first year is because they run out of money so as a startup business you’ll need to be particularly aware of exactly where your money is going. At the start, you may not be able to afford an accountant to keep track of your finances for you, but by making sure that you always keep your personal and business finances separate and keep a hold of receipts and invoices, you should be able to manage it easier. Companies such as Setup A Company offer business accountancy services for small business owners either as a free add-on to your company formation or as a standalone service.

How to network

It’s easy to build lasting business relationships if you know how to network. Make an effort to attend professional events that are specific to your industry, whether these are likely to be attended by potential business partners, employees or customers. Networking gives you and your company a visual presence and a chance to find talent, clients and fresh ideas.

How to adapt to your customers

You’re investing in your business to generate sales leads, but it’s important that you meet the needs of your customers too. On your website, you should identify how your product or service is going to help your customers and how your company stands out from those that are similar. There is always going to be companies that offer similar, if not the same, products and services to you but focusing your attention on what makes your company a better choice is the best way to move forward.

How to stick to what you’re good at

In the first year of your startup you’ll be overwhelmed with ideas about how to improve your business, but at this stage, it’s vital that you stick to what you know and what you’re good at. There is a difference between what you’re good at and what you want to be good at and identifying this will allow you to consider where you need to outsource certain things. Typically, you should try to outsource what is not essential to your core offering or what someone else can do better, or cheaper than you could yourself.[[

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How to Cater for a Wedding in France

 

 

The selection and preparation of the food and drink that is to be served at your wedding reception is undoubtedly one of the most exciting aspects of the planning process for what should rightfully be the most special and important day of your life.

In particular, many couples love the idea of having a French-style wedding that also draws upon the country’s reputation for the most stellar and tasteful cuisine.

You may even go as far as holding your wedding in France itself for added authenticity – so if this is the case for you, what do you have to think about as far as the catering side of your nuptials is concerned?

First of all, make sure you have the right venue

When so many of us who wish to get married contemplate where we wish to formalise our union with that special someone, the image that often comes to mind is an exceedingly romantic and idyllic one… the impressive backdrop, perhaps, of a historic and noble stone-built property set in large grounds of spectacular manicured French gardens.

Inside the property, meanwhile, you may picture the finest interior decor, crystal chandeliers and all of the trappings of the kind of refined elegance that speaks to your sophistication as a couple.

In short, you’re probably imagining somewhere like our very own highly exclusive and spacious property over four floors, the truly resplendent Château Bouffémont. Admittedly, we are biased as this is our own property, but it is also difficult to imagine a more extraordinary or luxurious option for chateau rental in France.

That impression is only maximised by the sheer practicality of our private venue from a catering perspective. Not only do we have a private chef on our staff who can answer to your most specific requests with regard to the catering for your French wedding, but if you would like to take even more control over the food and drink served, we can give you 24-hour access to an entire equipped guest kitchen.

There are so many ways to make your catering truly French

If you are to hold your wedding in France, you may consider that it would be a waste of one of the most admired gastronomic cultures in the world to fail to imbue your wedding menu with a truly French character.

This is why so many people looking to tie the knot in France are keen to serve food incorporating the highly festive ingredients typical of French weddings. Perhaps you would like to serve the likes of foie gras, scallops or lobster as your starter options, followed by a main meat dish of duck breast or beef fillet, or a main fish dish that could be John Dory, monkfish, salmon or red mullet?

This may be rounded off with a dessert presenting your diners with a choice of exquisite macarons, crème brulée or any of an assortment of French pastries such as tart, éclair or millefeuille. You may also be interested in having your food served in a distinctly French manner involving the tableside preparation of dishes, as is explained in greater detail by home website The Spruce.

Make the remarkable Château Bouffémont your luxury wedding venue, and you will be able to look forward to making the most of our extensive and refined halls, suites and facilities, together with the wider cultural resources of a country that embodies the highest standards of cuisine.

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New Clothing Boutique Offers Stylish Dresses for Little Girls

A new clothing boutique, specialising in stylish and glamourous party dresses for young girls, is making waves in the children’s fashion industry in Brazil. Ana Giovana, named after the company founder, focuses not just on style, but also on comfort, with one eye also on eco-friendly elements that make this range a very impressive and exciting one.

Ana Giovana founded her company as she discovered that not only were dresses for young girls often drab and uninspiring, but that the materials they used were not in any way eco-friendly. Furthermore, she recognised that many instances of allergies were down to the materials used in this clothing, so vowed to provide a range that was not only free from material that caused allergies, but was also made from materials from renewable sources.

Research and Launch

A comprehensive period of research, in which Ana surveyed many parents, asking them what they wanted to see in dresses for girls – especially in party outfits – preceded the launch of the Ana Giovana range, and the results were interesting. Parents were in favour of materials that were not treated with allergy-inducing chemicals, and also wanted a sense of style and glamour in their choice of dresses.

Parents also wanted clothing that was comfortable for the child to wear, that would last a long time and that was easy to wash, plus – quite naturally – they wanted an affordable range with a good choice of styles, colours and sizes. Convinced the demand was there, the Ana Giovana was carefully devised to meet the needs that parents had requested, and is now a much talked-about name in the children’s fashion world.

Cotton and Chemical-Free

Ana Giovana opted to use chemical-free materials and chose cotton, a natural and very comfortable material, as the main constituent of her beautiful dresses, or vestidos infantis – children’s dresses in her native Spanish. The result is a fantastic range of very beautiful, supremely comfortable and easy to wash and care for clothes that every little girl will love.

The elegance of the designs is inspired by Ana’s own vision of what little girls like to wear at parties, and is clearly one that has hit the mark with both children and parents. With a fast-growing customer base, and a range that is being added to all the time, the future looks very bright for Ana Giovana, and plans for the future are in full swing.

A ground-breaking dedication to using chemical-free, eco-friendly and allergy-resistant materials and manufacturing methods is what makes the Ana Giovana brand stand out from the crowd, and the sheer beauty of these children’s dresses is inspiring and innovative.

For more information on Ana Giovana and the range of beautiful dresses, have a look at the website now.

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The Best Types of Insurance for a Small Business

 

There are approximately 4.2 million small businesses in the UK and as one of them you should know how important it is to protect yourself, your employees and your customers against any potential risks.

Choosing the right insurance depends a lot on the type of business that you run but as a starting point, here are a few of the vital policies that you will need to get your business off the ground.

  1. Public liability insurance

This insurance covers you if a member of the public suffers an injury on your premises or if any of their property is damaged because of a fault with your business. Having this type of insurance in place will make sure all legal costs are covered as well as any compensation claims if it is indeed your business that is at fault. Public liability insurance covers:

  • Compensation claims

If there have been any injuries to a third party or any damage to their property has been caused, you will be covered for compensation claims. This includes if the incident was in your business premises, at a customer’s home or somewhere else.

  • Legal expenses

If a claim is made against you, this cover will provide you with the cost of any subsequent legal proceedings.

  • Cost of repairs

It will cover the cost of any damage you have made to a customer’s property.

  • Medical fees

In the worst case that a customer has suffered an injury where they need to be hospitalised, insurance will cover the cost of any treatment they require.

  1. Professional indemnity insurance

In the case that a customer claims your business has failed to provide adequate services or advice professional indemnity insurance will provide cover for the legal costs that you need to defend such a claim. It will also cover the cost of any compensation that may be payable to a customer to rectify the situation.

Many businesses require this type of insurance including accountancy, engineering and surveying firms as well as those who are working on a contract basis. Even if you own a business where you are not legally obliged to have professional indemnity insurance in place, it’s a good idea so that you can avoid paying thousands of pounds in compensation and legal fees. It can cover you for a wide range of unwanted scenarios including:

  • Professional negligence
  • Loss of data or documents
  • Unintentional breach of copyright or confidentiality
  • Defamation and libel
  • Loss of goods or money
  1. Employer’s liability insurance

Employer’s liability insurance will cover you against any cost of compensation claims that arise from illness or injury to your employees that have been caused as a result of work undertaken for you. This type of insurance is a legal requirement if you have a business that employees one or more people each day and at minimum businesses should have £5 million in cover and there is a fine of £2,500 for every day that you are uninsured.

Remember that if any members of your family work for you they do not need to be added to employer’s liability insurance, but all part-time workers and temporary employees do.

  1. Business vehicle insurance

If you run a business that requires vehicles, you will need to arrange the appropriate protection. This type of insurance is a legal requirement in the UK if your car or van is used for business-related purposes. For example, if you are a tradesman that uses their van every day for work. Be aware that standard vehicle policies will not give you a high enough level of protection as they only cover you for commuting and social use.

With this insurance, you will be protected even if you travel to a number of different locations for work or if you drive with employees or colleagues. If your vehicle is damaged, stolen or vandalised, this insurance will cover the cost to fix any issues so that you can get back on the road. At the end of the day, you don’t want to be forking out thousands of pounds of your own money if you’re temporarily out of business.

There are much fewer small business insurance options out there than there are for something more common such as car insurance so when looking for the best quote, you shouldn’t expect to find as many. Always read through the terms and conditions of the policy and review your quotes in detail, paying particular attention to any exclusions. Sites such as Call Wiser allow you to compare quotes from some of the leading insurance companies in the UK so you can get the best deal for your budget and, more importantly, your business.

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Signs To Look For In An Online Jeweller

Making high-value purchases online is becoming increasingly popular, so it is also important that you make sure any potential jewellery company that you are going to purchase from is reliable and also has a good reputation. You can find some of the best online jewellery retailers listed on reputable websites, but there are also ways that you can tell if you are dealing with a professional company that values their customers.

Look At Their Online Reputation

Whether they are a brick and mortar store, or purely an online business, you will be able to find out a lot of information about specific companies by searching online. There are many independent review websites and forums where people document their dealings with businesses and rate the service that they received. You can get a lot of useful information which will help you to decide if a company is reputable or not when you do a bit of digging online.

They Listen To Your Needs

The Diamond Jewellery Studio is among the reputable jewellers in Brisbane, and they have built their reputation up by listening to their customers and providing what they want. A reputable company will work within your budget and show you all of the options available, rather than spend their time trying to increase your budget and get you to spend more. A good jeweller will also offer their expert guidance and explain all options carefully to their clients.

They Are Fully Accredited

You will also want to ensure that any potential jeweller you will do business with is fully accredited by the Jewellers Association of Australia, as well as other associations. When you make sure that you are dealing with accredited jewellers you can feel safe in the knowledge that you are using a company that maintains set standards and levels of service. If these levels are not kept, then the jewellers may be liable to lose their accreditation. You will also want to make sure that any diamonds you purchase will also come with certification to prove they are legitimate and do not originate from a conflict area of the world.

They Answer All Of Your Questions

Another sign that the jewellery company you are talking to are a reliable one is that they openly answer any questions that you may have. A good jeweller will tell you that you can often save money by getting a diamond which has a slightly lower grade of colour and clarity; and once set into a ring, the average person cannot tell the difference. Whether you have questions about the cut, clarity, or any other facets of jewellery, excellent jewellers will be happy to answer any questions that you may have, as well as explain all of the options that are available to you. Ultimately, a jewellery shop is a business and is there to make a profit, but they are also there to provide their customers with excellent value products and the highest level of service that they can offer. So when you find a jewellery store like this, you should know that you are dealing with a reliable and reputable company that is going to take care of a valued customer such as yourself.

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Autumn/Winter 2017 Accessories That Will Help You Be Fashion Forward

 

 

The seasons are changing, and soon it’ll be time to overhaul your winter wardrobe. Accessories are a great way to update your wardrobe, giving trusted outfits a whole new look, with the addition of a few new elements. Here’s how to go about it:

All in the detail

A well-chosen detail will up your ranking in the fashion pack this coming Autumn/Winter season, so pay attention and don’t let them slip. A well-placed detail, like contrasting stitching and or an injection of strong colour, will show you’re a man of style.

Hats have it

Caps and berets featured strongly in recent cat walk shows, so be fashion forward this year by sporting the right headgear. Choose a cap with a traditional or flat cap style or look for head gear with a hint of the navy about it, as the seafaring influence made its presence felt on the cat walk. If you’re going for a beanie style, keep it chunky and textured looking.

Belt up

Belt up to be fashion forward this autumn, as these accessories finish an outfit to perfection. Look for modish examples wrought from leather or rock urban industrial chic, with a belt manufactured from a webbed material with a sleek, bold fastening. It’s a look you’ll see on the cat walk and the high street, so don’t miss out on this key trend.

Bags – the bolder, the better

Eye catching bags in bold colours made their presence felt on the catwalk. A statement bag is a key ingredient for the fashion forward this winter and a great way to add an element of strong colour into an otherwise staid wardrobe.

Red rules the roost

Talking of bold colours; red burst on to the fashion scene in a big way at the recent fashion shows. Numerous examples of accessories, knitwear and leisure wear sporting a striking scarlet shade are evident in upcoming menswear collections.

Normcore knows best

Unpretentious clothes and accessories that were pared down, practical and normal looking were another noticeable trend on the catwalk. So channel the “normcore” aesthetic by choosing pieces that are understated and functional. It’s an anti-style, style inspired by science fiction writer William Gibson and it’s here to stay.

Tech wear triumphs

Another key trend to emerge on the cat walk was for practical ‘tech’ wear. Whether relating to accessories like bags and wallets, or all-weather jackets, items made by technical fabrics that are breathable, waterproof and lightweight appeared in many a fashion house collection. So practical and stylish tech wear will put you right at the top of the fashion pack.

Texture tactic  

Use accessories to channel another material trend, that for textured fabrics. Tweed and chunky knits were just some of the textured fabrics in evidence in the couture collections. Bags, hats and gloves, provide the perfect opportunity to introduce some arresting texture into your outfit.

So there you have a few tips on how to be fashion forward this Autumn/Winter. Choose accessories of style and quality to up your credentials this coming season, and you’ll be fashion forward.

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