Most people seek out a financial adviser who can provide the best advice for their individual needs and circumstances. A good financial adviser will provide the most appropriate advice, but what they recommend will be influenced by the range of products they have access to.
Whole of market
An independent financial adviser has access to the whole of the market. These advisers can examine products from a range of companies and providers, meaning that there is a greater chance of finding a product that is tailored most closely to a customer’s requirements.
Restricted financial advice
Advisers that are described as ‘restricted’ or ‘tied’, means that the range of products they can advise on is limited in some way. They are still capable of finding the ideal product for their customers, but the choice available to them is limited.
Advisers may be restricted in different ways. A classic example …
Forex is a financial market that deals with trading currencies. Currently, the foreign exchange market sets the value of different currencies. The market is set up to assist international trade and investment. This article will introduce and give you some tips on how to succeed in the forex market, and what to do when trading.
When you first start trading, you can keep things simple by limiting your trades to only one currency pair. If one of the currencies is that of your own country, this may be even better. This strategy will limit the amount of information you need to study, allowing you to be better informed about the trades you make.
Having a diversified portfolio is important. So high risk currency trading could be a good part of an investment plan. High risk can lead to very high returns; just make sure you do not over-extend in this …
Selecting the best metal-to-metal adhesive for your project can be a challenge. In short, there is no number one, go-to adhesive suitable for every metal bonding job. Instead, you need to concentrate on choosing the right adhesive for your metal, based on its many different properties. However, one property carries more weight than the others.
How Surfaces Affect Metal-to-Metal Bonding
Using a metal bonding adhesive in an indoor static environment is one thing, but once you head outside and start thinking about real-world applications, you need to consider surfaces. Most metals have a moderately high surface energy, so when adhesives wet the metal’s surface, a superior bond strength is created. However, this changes when a coating has been applied, and most metals we work with will have some kind of painted or powder-coated surface.
On a painted surface, any adhesive applied is interacting with …
If you are looking for a remarkable spot to hang with your girlfriends, catch up on all the gossip and have a pretty fun, look no further! Usually any best ladies night out stars with dinner before moving on to late night venues for tequila and dancing shot or even going Magic Mike style like the movie with dancers for your party.
Whether you feel like feasting, getting your drink or keep it classy, we have rounded up a dozen spots around town for the best ladies night out.
The Rose wine pub
Nested in one of San Diego most wonderful neighborhoods whimsical wine bar The Rose is a best location to combine the girlfriends for an evening of thoughtfully sourced light bites and vino. The menu showcases varietals from mourvedre-grananche and champagne combines to viogner and chenic blanc – all retail purchases can be opened for a $10 corkage …
Ready to start running your own home business? What’s the matter, you don’t know what to do or where to start with it? No worries, this article has your back. Below are some tips and tricks that can get you started with the basics of how to successfully run your own home business.
Make sure you keep accurate records of all your home business activity. It’s easy to put off pesky record-keeping tasks till you feel like doing them, but strive to keep everything pertaining to your business up-to-date so that you won’t be confused and stressed out later on.
Join forums about home business-related topics. This lets you network, learn and share your expertise. You might even find some potential partners or some leads.
Look to your own passions or needs to create a product or business. The best products solve a problem or fill a need. Look at …
During the summer, garages can quickly overheat due to limited airflow.
We will discuss ways to cool down your garage and make it as comfortable as possible to enjoy throughout the hotter temperatures.
Open the overhead door
By fully or slightly opening the garage overhead door you can maximise airflow into the garage. Adding a fan will also create a gentle breeze.
Install garage shelving such as those at garage-shelving.co.uk to ensure no belongings obstruct the airflow.
Insulate the ceiling
Insulating the garage ceiling is an effective way to cool the room, and even works well in the rest of the house and according to recent statistics around 3.9 million garages have been converted into living spaces in the last 20 years.
Wall insulation helps stave off the summer heat in the garage whilst also guarding from the winter cold. While wall insulation is …
When I was at primary school I can clearly remember the teacher writing a short passage on the blackboard (yes, that shows how old I am) regarding cave men. It was time that we began to learn about the development of early humans. The only thing I can recall from that lesson is the following sentence “Fire was discovered by accident” I assumed that that was a real person. Somebody called accident came along and discovered fire. “Ere’ come and have a look at what old accident has discovered!” “Oh, it’s all warm, makes me feel a lot better, lets give it a hug”, “I don’t know, next thing we’ll be needing Boiler Repair Gloucester types and inventing the internet and going on to http://www.hprservicesltd.com/gloucester-boilers/boiler-repair-gloucester/ to find them”.
Fire was a gift to our ancestors. They soon learnt of it’s benefits. It could provide warmth and a sense of community, …
In-store marketing is paramount if stores are to remain profitable yet competitive on the high street, and hitting the correct level of in store marketing is essential: too ‘in your face’ and you run the risk of putting customers off and an ill-thought-out marketing plan won’t appeal to customers when they’re making buying decisions.
Publicity is essential to build store and product profiles, so having a ‘go-to’ media contact will be helpful when promoting certain products or arranging in-store events.
A creatively designed and user-friendly website can help to increase e-commerce sales and to appeal to the shopper on the go. A mobile app can provide 24/7 access to customers.
Using in store media such as a large flat-screen TV for clothing or product advertisements can pique the interest of customers. Check out https://moodmedia.co.uk/in-store-music-for-business/ for ideas.
One of the most effective ways of increasing …
Human beings can’t seem to get enough of the end of the World – whether in frighteningly realistic films such as Terminator, where the machines have finally taken over and have come to destroy us all, to the constant threat of nuclear annihilation, it seems that we all love a good worry about the world ending. Some people have already started to stockpile food in bunkers, and survival supplies, such as the Vanquest Trident 31 backpack from http://www.angloforro.co.uk/shop/new/vanquest-trident-31-backpack/ .But whereas these two scenarios seem very plausible to the majority of us, there are a few more unusual theories about the end of the world doing the rounds – here are a few, past and present end of world predictions that are a bit more unusual…
Comets – Halley’s Comet is the most famous doom-monger of the skies. It has been blamed throughout the centuries for many disastrous events that happened …
Whatever the size of your operation, inventory control is a crucial part of managing a restaurant. Among other things, an accurate inventory can help you control costs and plan orders. Here is a look at the basics of effective restaurant inventory management.
What is involved in inventory management?
At a basic level, inventory management can be thought of as a stocktake. The idea is to record everything within the restaurant, in the front and back-of-house. This doesn’t just mean what’s in the fridge, freezer and stockroom. It also means cutlery and crockery, kitchenware, and other catering supplies. This process should ideally be carried out on a monthly basis. An alternative option is to maintain a running inventory, where everything that comes into and goes out of the restaurant is immediately recorded. A smaller operation might employ a simple Excel spreadsheet for this, while a larger restaurant might need …