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9Jun2021

Гайд Город Боевых песен по игре Perfect World библиотека гайдов

как открыть гбп на тоску

Прист пусть использует массхил, остальные бьют. Когда вы немного побьете босса, он исчезнет и оставит после себя желтый камень. Тот, к кому попал камень, сможет поговорить с Простой Водой еще раз, чтобы получить всплывающую подсказку. Прыгайте вниз — вас телепортирует в начало.

Город Боевых песен

Не забудьте забрать свой приз — таблетку на уменьшение дамага и баф! Рекомендуется взять атаку для всех членов пати, кроме приста. Улучшенная версия всем известной обезьянки из ХХ. Оборотень танкует, прист спамит море и реген. Перед что такое играть на повышение платформой, на которой стоит босс, находится замечательный длинный проход; вытяните его в туда в угол, не бейте на платформе. Босс бьет очень больно, останавливаясь лишь для призыва саммонов.

Город Боевых песен

  1. Оборотень танкует, прист спамит море и реген.
  2. Улучшенная версия всем известной обезьянки из ХХ.
  3. Деревянные мобы кидают «ранение», аналогичное джинновому.
  4. Идите снова по той же тропе до дерева, но теперь сверните направо.

Чтобы начать, вы должны быть лидером пати и иметь в инвентаре 12 миражей. Кроме рандомной атаки, снижающей вашу скорость до 1 мс, этот босс ничем особенным не отличается. Держится танком на сфере или под морем. Самый простой из всех боссов Варсонга. Чем больше воплощений волшебницы вы защитили во втором этапе, тем меньше монстров будет между вами и этими злыднями.

Город Боевых песен

как открыть гбп на тоску

Этот квест приведет вас к другому НПС, Походный Марш, который пошлет вас в Город Боевых Песен.

Вам понадобится 722 пункта награды, чтобы встретиться с финальным боссом. Если вам удается победить всех пятерых генералов, вы получаете награду, которая зависит от вашего успеха во втором этапе. Но непосредственно с Кровавым Ло вам удастся сразиться только в том случае, если вы смогли защитить все пять воплощений Простой Воды. В прохождении этого данжеона можно выделить три этапа. Второй — «Protect the Incarnations». Поговорите с Золотой Решеткой и выберите опцию «Начать битву».Внимание!

Когда окажетесь внутри, поговорите с НПС Золотая Решетка. Он — охранник Варсонга, который введет вас в курс дела. Злобный Кровавый Ло, могущественный повелитель мертвых, был заперт и запечатан в Варсонге много лет назад. А сейчас его слуги пытаются освободить его, что может привести к погибели всего Идеального мира. Единственный шанс остановить их — прорваться внутрь города и уничтожить Ло и его подчиненных, прежде чем они обретут свободу. Чтобы начать, поговорите с НПС Исследователь пяти стихий в любом из основных городов и выберите квест что такое точки пивот «Город боевых песен».

Атакует он на очень большой дистанции, так что, если вы не убежали, вы либо труп, либо под жестоким манадрейном. Деритесь с ним в углу, и ждите очередного призыва саммонов. Каждый элемент существует в отдельной секции данжа и заканчивается боссом.

Они спавнятся там, где босс стоял изначально. Не трогайте их, секунд через 20 они взорвутся или как торговать новостями на forex исчезнут сами. Пока саммоны живы, Краснозубый не атакует, так что за эти 20 секунд постарайтесь нанести ему максимальный дамаг.

Но его выполнение обеспечит вашу команду сильными бафами, которые сделают прохождение данжеона значительно легче. Не задерживайтесь в Павильонах Элементалей! Иначе появятся миньоны повелителя мертвых и уничтожат вас.

Город Боевых песен

После первой волны появится вторая. Зачищайте местность, пока квест не сообщит, что бить больше некого. Поговорите с Обжигающей Звездой и прыгайте вниз, чтобы еще раз вернуться к стартовой точке. Поговорите с Золотой Решеткой, чтобы активировать следующий этап Варсонга.

Деревянные мобы кидают «ранение», аналогичное джинновому. Идите снова по той же тропе до дерева, но теперь сверните направо. В конце пути вас телепортирует в другую секцию карты.

Второй этап — «»Protect the Incarnations». На этом этапе вы должны разделить свою команду между пятью Павильонами Элементалей в Варсонге. В каждом павильоне обитает одно из воплощений Простой Воды, которая собирается ослабить защиту повелителя мертвых. Вы должны защитить ее инкарнации от атак врагов. Если инкарнация погибнет, вы не проиграете, но финальный этап станет сложнее пройти.Внимание!

Не отдаляйтесь слишком далеко от инкарнаций. По внутреннему периметру города бродят сильные и неуязвимые монстры Стражи Цзинь, убивающие с пары ударов. Если вы не хотите пропускать первый этап — то вперед. Двигайтесь по тропе до дерева, сверните налево.

Спускайтесь по склону, вы увидите мобов каждого элемента, которые охраняют НПС по имени Обжигающая Звезда. Танк пусть отвлечет мобов на себя, пока остальные берут квест. Первый этап — «Raising Warsong». Если вы погибнете, ресайтесь и бегите обратно в свой павильон как можно быстрее, или провалите задание. Всего придется убить около 180 мобов. Если мобы исчезнут раньше (т.е. вы не уложились в отведенное время) — вы спасли павильон, но ваша награда за труды будет меньше.

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3May2021

What Is Bookkeeping? Definition, Types & Importance

bookkeeper meaning

There are several standard methods of bookkeeping, including the single-entry and double-entry bookkeeping systems. While these may be viewed as “real” bookkeeping, any process for recording financial transactions is a bookkeeping process. These are individual entries in journals or ledgers that summarize each business transaction. Accountants use these journals to prepare your financial statements. These are reports containing a summary of the business’s income and expenses for a specific timeframe. A bookkeeper is responsible for recording and maintaining a company’s daily financial transactions.

Keep your general ledger current

It’s important to note that not all lenders and investors require certified or audited financial statements. However, it’s still a good idea to ask an accountant to review your bookkeeper’s financial statements for accuracy and completeness prior to submitting them to a third party for consideration. And even if you’re not looking for funding, consider asking an accountant to review your financial statements at least once a year. A bookkeeping course can teach you the basic knowledge you’ll need to prepare financial reports, organize data using tools like Microsoft Excel, or understand how to balance books. Two of the most common are single-entry bookkeeping and double-entry bookkeeping.

Keep your personal and business finances separate

If you’re using an actual cash box for this, it’s best to keep track of each entry. This way, you can determine how much change remains at the end of the day. Take routine bookkeeping off your never-ending to-do list with the help of a certified professional. A QuickBooks Live bookkeeper can help ensure that your business’s books close every month, and you’re primed for tax season.

  • Whether you outsource the work to a professional bookkeeper or do it yourself, you’ll be able to reap a variety of benefits.
  • As your business grows and you begin making higher profits, hiring staff and handling more transactions, however, it may make sense to outsource the details of bookkeeping to someone else.
  • After all, bookkeepers will help you survive an audit by making sure your financial records are in order and your deductions are legal.
  • A bookkeeper is responsible for recording daily financial transactions, updating a general ledger and preparing trial balances for perusal by accountants.
  • Double-entry bookkeeping is the practice of recording transactions in at least two accounts, as a debit or credit.
  • At the end of the course, you’ll receive a professional certificate, which you can put on your resume to demonstrate your skills and accomplishments to potential employers.

What Is Petty Cash Bookkeeping?

  • The skills needed to become a successful bookkeeper are often acquired through working in a career in the finance industry or even by balancing your personal budgets.
  • Being consistent, accurate, and minimizing errors are key characteristics that employers are seeking for this position.
  • With well-managed bookkeeping, your business can closely monitor its financial capabilities and journey toward heightened profits, breakthrough growth, and deserved success.
  • However, it’s still a good idea to ask an accountant to review your bookkeeper’s financial statements for accuracy and completeness prior to submitting them to a third party for consideration.
  • There’s always a demand for experienced, efficient bookkeepers in nearly every industry.
  • Certifications aren’t necessary to become a bookkeeper but can signal to employers that you have the training and knowledge to meet industry standards.

It’s a great choice for anyone who needs a simple bookkeeping solution that will allow them to manage their expenses and income quickly. If you’re like most modern business owners, odds are you didn’t become one so that you could practice professional-level bookkeeping. Outsourcing the work to a seasoned bookkeeper can allow you to focus on your business plan and growth. You may be hoping for the best and have a few college courses in your back pocket. Even with these tools, you may not have the expertise you need to handle the responsibilities of a bookkeeper.

Column One contains the names of those accounts in the ledger which have a non-zero balance. If an account has a debit balance, the balance amount is copied into Column Two (the debit column); if an account has a credit balance, the amount is copied into Column Three (the credit column). The debit column is then totalled, and then the credit column is totalled. The two totals must agree—which is not by chance—because under the double-entry rules, whenever there is a posting, the debits of the posting equal the credits of the posting.

Required Education

bookkeeper meaning

It offers real-time cloud bookkeeping, and also gives you access to certified accountants. It’s a great choice for any business that needs financial support and advice from its bookkeeping app. You can also quickly compare Xero with FreshBooks to make better business choice. As you dive deeper into the bookkeeping process, it may be tempting to blur the lines between your personal and business finances, but it’s not the best idea. By avoiding this, you’ll reduce the risk of triggering an IRS audit and will allow an accurate picture of your business finances. The single-entry bookkeeping method is often preferred for sole proprietors, small startups, and companies with unfussy or minimal transaction activity.

bookkeeper meaning

  • Take our free career test to find out if bookkeeper is one of your top career matches.
  • Bookkeepers especially should be able to spot issues with daily expenses and make sure all the data points are tracked correctly.
  • TSheets is another great choice for businesses that work with employees and need to track their time.
  • Laura is a freelance writer specializing in small business, ecommerce and lifestyle content.
  • Before joining the team, she was a Content Producer at Fit Small Business where she served as an editor and strategist covering small business marketing content.
  • And even if you’re not looking for funding, consider asking an accountant to review your financial statements at least once a year.

In bookkeeping, extra hours are typical during the busy tax season of January to mid-April. As an accountant, you may have to crunch numbers, but those are not the only skills needed. It is important to possess sharp logic skills and big-picture problem-solving abilities, as well. While bookkeepers make sure the small pieces fit properly into place, accountants use those small pieces to draw much more significant and broader conclusions. Bookkeeping is important because it documents every transaction that occurs within your company. This information allows you to make smart decisions for future growth and planning.

Common bookkeeper duties

Others, like payroll, can be outsourced to independent companies that specialize in the task. Broadly, a bookkeeper’s job is to manage the books by keeping track of day-to-day business finances. Bookkeeping professionals have their own expertise based on the types of businesses and industries they serve. That said, bookkeeping is more than just dropping numbers bookkeeper meaning into a spreadsheet—it takes meticulous analysis and just enough legal know-how. After all, bookkeepers will help you survive an audit by making sure your financial records are in order and your deductions are legal. Plus, anyone who has tried to manage the income and expenses of their own business knows that bookkeepers deserve some serious respect.

Data entry involves entering your business’s transactions into your bookkeeping system. As mentioned above, a lot of the data entry now happens automatically, either through OCR or bank feeds. There are key differences between bookkeepers and accountants that you want to know before hiring a financial professional. A bookkeeper can expect to earn a salary in the range of $30,000-$60,000 a year in the US. However, compensation will widely vary depending on the employer, location, and candidate experience. Bigger companies tend to offer better compensation for bookkeepers; this is largely due to the increased volume of transactions and data.

bookkeeper meaning

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When making this decision, there are two things you should keep in mind. The directors of a company are able to make corporate decisions based on the data they receive from an accountant. Types of BookkeepersThere are various types of bookkeepers who specialize in specific areas based on the industry or the nature of the organization they work for. We believe everyone should be able to make financial decisions with confidence. Let’s explore what bookkeepers do, some of the benefits of bookkeeping, and your options for using a bookkeeper. The bookkeeper is generally responsible for overseeing the first six steps of the Accounting Cycle, while the last two are typically taken care of by an accountant.

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17Mar2021

Нью Йорк: школьная тусовка на самоизоляции: levik LiveJournal Chandrashekhar Singh

association for sober living

Luckily, many treatment resources are available to help make this transition a bit easier. Drug and alcohol detox is designed to help clients manage withdrawal symptoms effectively and comfortably, laying a crucial foundation for the subsequent stages of addiction treatment. The drug and alcohol detox process is overseen by experienced medical professionals and addiction specialists who ensure the safety and well-being of each client throughout Sober house in Mattapan this challenging phase. This medically supervised approach often includes medication assisted treatment and other treatment options to ease withdrawal symptoms and reduce cravings, thereby supporting a smoother transition into therapy and rehabilitation. Understanding that each recovery journey is unique, our rehab center offers a range of treatment options tailored to fit each client’s needs through an individualized treatment plan.

S.O.A.R.R. – Society of Addiction Recovery Residences

  • Luckily, many treatment resources are available to help make this transition a bit easier.
  • Our weekly house meeting are conducted by an understanding live-in house manager who is also in recovery.
  • It probably doesn’t surprise you that our organization and most of our members are made up of those who are in recovery themselves.
  • The drug and alcohol detox process is overseen by experienced medical professionals and addiction specialists who ensure the safety and well-being of each client throughout Sober house in Mattapan this challenging phase.

Sober living homes, sometimes referred to as transitional living arrangements, halfway houses, or recovery residences, can be a step down from formal substance use treatment programs. These homes can offer an in-between option for individuals after they complete a treatment program and before they return to their homes and lives. This transition can provide continued support while residents learn mash certified sober homes to apply their newly learned self-reliant skills to real-life situations while they remain drug- or alcohol-free in a community environment. This intensive outpatient program is often used as a step-down from inpatient care or a step-up from traditional outpatient services when a higher level of care is needed. Our Massachusetts PHP programs typically last 6 hours each day, up to 6 days a week.

association for sober living

Get Help With Addiction

  • Sober living houses and halfway houses are often used interchangeably as they both provide a substance-free living environment for those suffering from addiction.
  • Leaving the sober living home is not meant as a form of punishment, but rather to keep other residents supported and safe from triggers and temptations.
  • Sober homes are designed to provide safe and supportive group living free of alcohol and drugs.
  • We have a house meeting once a week which is great, and the atmosphere here is just so recovery oriented that it’s a great place for anyone who is seriously looking to get sober and stay sober.
  • Sober living has been a key part of my recovery and Action Sober Living was the right choice at the right time.

It supports over 25,000 people in recovery living in more than 2,500 certified recovery residences. To find Recovery Residences contact your local or regional recovery residence association. Sober homes are designed to provide safe and supportive group living free of alcohol and drugs. They are based on peer support, structure and learning new life skills.

association for sober living

Sober Living Recovery Homes: Finding Sober Living Near Me

  • Weekly supportive house meetings to help keep you on track with your recovery.
  • Oxford House is a network of drug-free, self-supporting houses or apartment buildings.
  • Grounds for immediate termination from a SOARR sober living home include, but are not limited to, using alcohol or drugs, taking a fellow resident out to use substances, violence, and/or sexual misconduct.
  • During this, clients participate in a combination of evidence-based therapies, including individual, group, and family therapy.
  • If you are willing to pursue the path of recovery, we know that you deserve the best setting possible to thrive and continue your sobriety.

The information contained on the website nycityapartment.com is strictly informative; it does not set forth a legal obligation or a contractual agreement from URBANLIVING INTL., which also reserves the right to modify such information. Join our community for support and access to resources that promote physical and mental well-being. Transitional housing is temporary housing for the working homeless population and is set up to transition their residents to permanent housing. Join our global community and find support on your journey to sobriety and good living.

What is the Difference Between Sober Living and Halfway Houses?

association for sober living

More Options to Get In To Transitional Housing

association for sober living

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15Dec2020

Alcohol Anxiety: Can Drinking Cause Anxiety & Panic Attacks?

alcohol and anxiety

People with AUD may have a higher risk of developing panic disorder, which can cause unexpected, recurring panic attacks. Research in a 2019 article suggests that up to 50% of people having treatment for AUD also meet the criteria for at least one anxiety disorder. Even if someone starts drinking alcohol as a way to cope with anxiety, it can quickly have the opposite effect. For one, drinking alcohol more frequently or having larger amounts can cause hangovers.

Psychophysiological and neurobiological correlates

If you’re prone toward anxiety, or if drinking makes you feel anxious, experts recommend finding other ways to cope with stress and your emotions, rather than reaching for alcohol. Sometimes, people turn to alcohol or other substances to help them hide from their problems or cope with symptoms of mental illness. In some cases, people with certain mental health conditions, such as anxiety or panic disorder, might develop an unhealthy relationship with alcohol. As it turns out, I’m not alone in having anxiety the day after drinking (a.k.a. hangxiety). In this opponent process model, the term “addiction” refers to the neurobiological and motivational changes that occur as a consequence of chronic substance use. A DSM-IV diagnosis of alcohol dependence required meeting at least three of seven criteria.12 The first two criteria were physical—development of tolerance to alcohol and development of withdrawal symptoms.

Furthermore, people with anxiety who have other psychiatric disorders (such as depression) are more likely to reach for alcohol as a coping mechanism, which may also lead to an alcohol use disorder. If, despite these efforts, you still periodically wake up after drinking with feelings of anxiety, practice mindfulness. And when anxious feelings surface, turn to healthy alternatives like meditation, deep breathing or exercise. By Sheryl Ankrom, MS, LCPCSheryl Ankrom is a clinical professional counselor and nationally certified clinical mental health counselor specializing in anxiety disorders. The initial symptoms of anxiety and panic may be related to alcohol withdrawal. It could also be that alcohol use provides a mechanism for these disorders to develop.

Talk to your doctor about medications, therapy, and support groups that can help you manage your alcohol consumption. If they continue to use alcohol to help them feel more relaxed or at ease, they might eventually feel the need to avoid any social situations where they would be unable to drink. Drinking excessive amounts of alcohol can also have noticeable physical and mental consequences. Over time, consuming too much alcohol can lead to blackouts, loss of memory, and even brain damage (especially if it causes other health problems, such as liver damage).

alcohol and anxiety

Efforts to mitigate the deleterious effects of co-occurring anxiety disorders on alcohol treatment outcomes, as well as to illuminate causal influences between these conditions, have inspired investigations into how treatment for one co-occurring condition affects symptoms of the other condition. For example, if an anxiety disorder maintains alcohol misuse, effectively treating the anxiety should reduce alcohol use and reduce the likelihood of relapse after treatment. In one study, researchers administered paroxetine or placebo in a double-blind fashion to participants who had AUD and social anxiety disorder.25 They found that although the medication was clinically effective in reducing social anxiety symptoms, alcohol use severity was unchanged. Compared to retrospective assessments of the order of onset for co-occurring disorders, assessments of prospective relative risk (i.e., the risk for developing a condition given the presence or absence of another condition) provide more information about conferred risk. For example, people typically experience onset of social anxiety disorder before they are old enough to legally purchase alcohol, so the anxiety disorder typically precedes problems with alcohol. Therefore, retrospective assessments showing that social anxiety disorder commonly precedes problems with alcohol superficially suggest that the former causes the latter.

How many people drink alcohol as a coping mechanism?

  1. For example, a person might have started feeling more relaxed after just one glass of wine.
  2. From the psychological perspective, behavioral research demonstrates that drinking to cope with negative affect is a potent marker for current and future problems with alcohol.
  3. A 2018 narrative review suggests that 21.9% to 24.1% of people with an anxiety disorder or mood disorder use alcohol or drugs to relieve their symptoms.
  4. While dopamine increases immediately after drinking alcohol and temporarily makes you feel good, when the inebriation has faded, whatever symptoms that were being avoided rebound.

Antidepressants may be taken every day to help treat anxiety, while benzodiazepines are generally used for temporary 2cb effects relief from uncontrollable feelings of anxiety. If you think you have a problem with alcohol, seek help from your doctor right away. Occasionally unwinding with alcohol isn’t necessarily dangerous if your doctor approves.

Alcohol may be a temporary, unhealthy way to relieve anxiety and forget about your underlying stressors; however, using alcohol does not erase these underlying triggers. Whether your anxiety is related to past trauma, financial stress, or untreated depression, alcohol is merely a temporary Band-Aid and the longer one depends on alcohol to help treat their anxiety, the more at risk they are for developing an alcohol use disorder. Additionally, symptoms of anxiety will still be lurking around the corner as the underlying triggers have not been properly addressed and treated. If you’re feeling overwhelmed by your anxiety disorder, there are other ways to seek help.

The symptoms of a hangover, such as nausea and vomiting, dizziness, dehydration, and low blood sugar, can make it hard to function. If someone is sick because of a hangover, they might not be able to attend to their responsibilities at home, school, or work—which can, in turn, fuel their anxiety. Alcohol is a sedative and a depressant that affects the central nervous system. Dr. Elizabeth Bulat is the medical director of addiction medicine at Henry Ford’s Maplegrove Center in West Bloomfield. A doctor may also suggest additional treatment options, such as counseling or joining a support group.

Similarly, those with AUD may have a higher risk of developing anxiety disorders. In addition, if you’re noticing your anxiety levels increasing after drinking, try cutting down on how much you drink. Plus, take note of how your mood is each day — if you’re feeling extra on edge already, try and go against the temptation of remedying that with alcohol. About 3.1% of the U.S. population is affected by generalized anxiety disorder, according to the Anxiety & Depression Association of America. If you’re feeling nervous about being in a social setting, you may pour yourself a glass of wine to self-regulate any stress.

This article explains the links between alcohol and anxiety and how to manage anxiety disorders and AUD in daily life. When dealing with stressful days or nervous situations, you may be tempted to have a glass of wine or a beer to calm your nerves. However, drinking alcohol, especially heavily and over a long period of time, can actually increase your anxiety. Alcohol use can cause new onset anxiety and worsen pre-existing anxiety symptoms. Many individuals will use alcohol as an unhealthy coping tool to reduce symptoms of anxiety. While dopamine increases immediately after drinking alcohol and temporarily makes you feel good, when the inebriation has faded, whatever symptoms that were being avoided rebound.

Alcohol’s Effects

alcohol and anxiety

Such studies have the potential to reveal the trajectory of re-regulation of the stress response during abstinence and how it short addiction recovery quotes relates to anxiety symptoms and relapse risk. Understanding these parameters could make a valuable contribution toward using the stress system as a recovery biomarker. The notion of a simple, unidirectional, causal link between co-occurring disorders is not supported by the findings reviewed in this article. A prospective study has shown that either experiencing clinical-level anxiety or engaging in chronic alcohol misuse increases the risk of developing the other.21 In addition, clinical research shows that effectively treating one co-occurring condition does not substantively affect the other. Viable explanations for the relationship between co-occurring conditions include the possibility of a common cause for both conditions or bidirectional causation between the conditions. For example, dysregulated stress response or regulation may be a common risk factor for the development of both alcohol and anxiety disorders.

Can Alcohol Cause Anxiety or Make it Worse?

Research has found that anxiety disorders and alcohol use disorders often occur together. Several proposed explanations exist for the link, including genetics, a person’s environment, and the brain mechanisms related to addiction and anxiety symptoms. It’s common for people with social anxiety disorder to drink alcohol to cope with social interactions. Doing this can lead to a dependence on alcohol during socializing, which can make anxiety symptoms worse. First, historical trends and research related to the psychiatric classifications of alcohol misuse, negative affect, and their co-occurrence are reviewed, including typologies and diagnoses. Next, a history of behavioral examinations of negative affect and alcohol misuse is presented from the psychological perspective, along with a discussion of research on the use of alcohol to cope with negative affect.

Can you have alcohol anxiety without having an anxiety disorder?

If you take medication for anxiety, or you take anti-inflammatory drugs or narcotics, drinking can cause problems with anxiety. You can become agitated and jittery because your body is busy processing the alcohol, which neutralizes the effect of these medications. We tend to pair up our vices, and not only drink alcohol but also eat highly dense, problematic foods. Your body can have an uncomfortable sensation the next day as a result, which can feel like a nervous energy or anxiety. In the DSM-5, however, alcohol abuse and dependence have been integrated into a single diagnosis of AUD with mild, moderate, or severe subclassifications.11 The separate classifications of alcohol abuse and alcohol dependence were removed. According to a 2019 paper, panic disorder has a strong association with AUD.

The withdrawal period normally peaks 72 hours after the blood alcohol level drops. In fact, drinking can change the chemistry of the brain in a way that actually makes anxiety worse. Knowing how alcohol affects anxiety may make it less brain fog from alcohol tempting to have a drink to cope. But while some people may feel that alcohol helps their anxiety, others may feel susceptible to anxiety after a night of drinking.

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25Aug2020

What is Forex FX Trading and How Does it Work? IG International

what is forex

Historically, foreign exchange market participation was for governments, large companies, and hedge funds. In today’s world, trading currencies is as easy as a click of a mouse and accessibility is not an issue. Many investment companies allow individuals to open accounts and trade currencies through their platforms. A standard lot size in forex trading is 100,000 units of the base currency. For this contract size, each pip (a standard price increment) is worth $10. Many firms now offer access to trading in mini lots of 10,000 and micro lots of 1,000.

Cons Of Forex Trading

The process is entirely electronic with no physical exchange of money from one hand to another. Pip is an acronym for percentage in point and represents a unit of price change in a currency pair. In most cases, pips are the smallest price increment of a currency pair and are in the fourth decimal place. Here traders look for specific chart patterns that indicate whether price is likely to reverse or continue to trend in the same direction. Here, price reaches a new high (or low) and then reverses to close near where it opened, indicating a lack of conviction among the bulls (or bears). Trading based on economic news is an example of a fundamental strategy.

Why Forex Trading Matters for Average Consumers

An interesting aspect of world forex markets is that no physical buildings serve as trading venues. Instead, markets operate via a series of connected trading terminals and computer networks. Market participants are institutions, investment banks, commercial banks, and retail investors worldwide. The costs and fees you pay when trading currency will vary from broker to broker.

Understanding how these events influence the Forex market is essential for successful trading strategies. When connected, it is simple to identify a price movement of a currency pair through a specific time period and determine currency patterns. The ask price is the value at which a trader accepts to buy a currency or is the lowest price a seller is willing to accept. It’s vital to approach this market with eyes wide open, understanding that the volatility can result in significant losses just as it can lead to substantial gain.

Like any other market, currency prices are set by the supply and demand of sellers and buyers. Demand for particular currencies can also be influenced by interest rates, central bank policy, the pace of economic growth and the political environment in the country in question. Mini contracts allow forex traders to trade in increments of 10,000 units of currency, also known as a mini lot.

Forex Pairs and Quotes

Currencies with high liquidity have a ready market and tend to exhibit a more smooth and predictable price action in response to external events. Currencies with low liquidity, however, cannot be traded in large lot sizes without causing a market movement. In the futures market, futures contracts are bought and sold based on a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange (CME).

Forex (FX): Definition, How to Trade Currencies, and Examples

what is forex

Unlike the spot, forwards, and futures markets, the options market doesn’t involve an obligation to purchase the currency. Options contracts give you the right to buy or sell the currency, but it’s a choice. Similarly, political uncertainty or a poor economic growth outlook can depreciate a currency. These interlocking exchange relations—some currencies growing stronger, others not—means forex trading reflects worldwide economic and political developments. You’ll often see the terms FX, forex, foreign exchange market, and currency market.

Forex trading offers constant opportunities across a wide range of FX pairs. FXTM’s comprehensive range of educational resources are a perfect way to get started and improve your trading knowledge. One critical feature of the forex market is that there is no central marketplace or exchange, as all trading is done electronically via computer networks. We introduce people to the world of trading currencies, both fiat and crypto, through our non-drowsy educational content and tools.

You can make a profit by correctly forecasting the price move of a currency pair. All transactions made on the forex market involve the simultaneous buying and selling of two currencies. Forex traders who use technical analysis study price action and trends on the price how much money can i make forex day trading charts. These movements can help the trader to identify clues about levels of supply and demand. Trading forex using leverage allows you to open a position by putting up only a portion of the full trade value. You can also go long (buy) or short (sell) depending on whether you think a forex pair’s value will rise or fall.

The power of leverage can amplify profits, but it can also magnify losses. FXM is an award-winning, regulated broker that offers competitive spreads, low commissions, and excellent customer support. Set up a demo account for free or dive in with our Advantage and Advantage https://forexanalytics.info/ Plus accounts.

In forex markets, currencies trade against each other as exchange rate pairs. For example, the EUR/USD would be a currency pair for trading the euro against the U.S. dollar. This is straightforward, but the market lingo comes fast at beginners and can quickly become overwhelming.

what is forex

By following these steps with focus and dedication, you’re setting the stage for a potentially rewarding trading experience. Stay committed, keep learning, and adapt your strategies as you gain more insight into the market dynamics. When you’re ready to go live, begin with a small investment and use leverage with caution.

  1. Forex prices also influence global trade, as companies buying or selling across borders must take currency fluctuations into account when determining their costs.
  2. Another common fee among forex brokers is an inactivity fee, which is charged after an account has been dormant for a set period.
  3. Traders often keep a close eye on an economic calendar to stay informed about upcoming events, enabling them to make well-timed decisions.
  4. Alternatively, you can use an IG demo account to build your trading confidence in a risk-free environment, complete with $20,000 in virtual funds to plan, place and monitor your trades.
  5. IG Academy has a wealth of information to get you acquainted with the markets and learn the skills needed for boosting your chances of trading forex successfully.

Here’s everything you’ll need to do to start trading forex, step-by-step. You go up to the counter and notice a screen displaying different exchange rates for different currencies. Quite simply, it’s the global financial market that allows one to trade currencies. When the trade is closed the trader realizes a profit or loss based on the original transaction price and the price at which the trade was closed. The rollover credits or debits could either add to this gain or detract from it. Forex fraud will likely become more innovative as markets evolve and sophisticated technology enables even more advanced scam schemes.

On the flip side, when the dollar weakens, it will be more expensive to travel abroad and import goods (but companies that export goods abroad will benefit). While the average investor probably shouldn’t dabble in the forex market, what happens there does affect all of us. The real-time activity in the spot market will impact the amount we pay for exports along with how much it costs to travel abroad. An experienced media professional, John has close to a decade of editorial experience with a background that includes key leadership roles at global newsroom outlets. A futures contract is an agreement to buy or sell an underlying asset at a future date and price. Traders are taking a position in a specific currency, with the hope that it will gain in value relative to the other currency.

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20Jul2020

Best Life Insurance Policy for your Loved Ones

Looking out for your family and taking care of those that you love is what matters most. Did you know that you can custom-tailor the best life insurance policy for families? Your family is valuable, and it follows that your family life insurance should reflect exactly how you feel about those you care for most.  

Let’s talk about why getting an online life insurance quote is incredibly easy. Using our online life insurance quote form will help you to sort out all your family finance problems in the unfortunate event of your passing away.  

It has never been easier to get online life insurance advice

In fact, using our online life insurance quote form will ensure you receive only the best advice about life insurance. Through us you get access to multiple respected life insurance companies, ensuring your life insurance quote is bespoke for you and your family.  

We have said it before, and we will repeat it here, the financial strain on a family when one income provider dies is devastating. Signing up for a life insurance policy today will ease some the burden of paying the mortgage, outstanding loans or HP agreements, household bills and general living allowances. All the necessary financial commitments that a life insurance policy can deal with in one sweep. There will be other aspects to take into consideration such as savings, college funds, helping children with starting up a business or buying their first home. The financial safety net of a life insurance policy will help immensely.

Our team of friendly expert life insurance consultants can talk you through the intricacies of life insurance policies. We have advice on all the different types on offer, the budget required, and the all-important small print that worries many policyholders. For example, if you are a smoker, if you have pre-existing medical issues or, the hot topic, how COVID-19 is affecting new policies. All of this advice and more is available when you complete our online life insurance enquiry form.

Of course, the peace of mind that comes with a life insurance policy is worth those monthly premiums. You have the certainty of knowing that your designated beneficiaries, usually your partner and your children, can cope in a time of grief and a future full of financial uncertainty.

Different types of life insurance cover

We have gone over the various types of life insurance in our previous blog here, but as a quick refresher, here are some of the most common:

Term life insurance – probably the most popular and cost-effective. Term life insurance provides coverage for a fixed amount of time, for example, the length of a mortgage. It is essential to take into consideration the expiry date, at which time the life insurance ceases. If the event of no claim made, it is important to re-think the options for the future.

When the mortgage is paid, do I still need life insurance?

The mortgage might not be a factor as it is now paid off, but expensive bills such as funeral costs can worry many people. In this respect, an over 50s life insurance policy might be an attractive option.

What if we both work to pay the bills?

If you and your partner contribute equally to the household finances, or if one partner is a stay at home parent, then a joint insurance policy is an attractive solution, as extra costs such as child care might suddenly be a consideration if one partner dies. 

In the event of a claim, a joint policy ends naturally, and the surviving partner will need to think about a new life insurance policy to protect any dependants.  

Joint policies work well for many couples, as it is a generally cheaper solution than two individual plans.  If the couple split at any time, then the life insurance policy can continue if mutually agreed, or may need re-establishing or the taking over of one by the other. Find out more about joint life insurance here.

Whole of life insurance – does exactly what it says on the tin! The premiums fall due every month for the whole of your life, until you die (or reach maximum age depending on the type of whole of life policy.) The benefit is fixed, and this sum remains a guaranteed payout when you die (subject to terms and conditions).

Pros and cons of a whole of life insurance policy

Monthly premiums for a whole of life option are often more expensive and less attractive as general fixed term life insurance. People with large estates and a looming inheritance tax bill find whole of life insurance attractive. Important factors to take into consideration include ensuring the payout is sufficient in line with inflation, taking into account retirement and checking the small print for any exclusions. We can advise you on a range of whole of life insurance policies, the different types on offer and the benefits of this type of insurance policy.

Planning a life insurance policy

Pen and paper time! Take into account every aspect of income and outgoings, including any saving plans, car loans, debts and of course, the crucial living expenses such as a mortgage, utilities and everyday living costs. People often forget that growing children have expensive embellishments, including shoes, school uniforms, hobbies, gadgets and fundamental necessities! A death of one parent might necessitate a tightening of belts in times of financial difficulties. Still, with sufficient life insurance, a surviving parent can ensure the children never go without.

The team at LifeInsuranceCover Services work with only the best life insurance companies. We take the time to compare all options available, working within your budget and lifestyle, ensuring enhanced customer satisfaction. 

The most essential elements of life insurance are:

  • Invest when you are young and healthy – (premiums are cheaper)
  • Be open and honest in your application – (especially regarding pre-existing conditions, lifestyle and hobbies)
  • Ensure you take out the correct amount of insurance cover

Need more information? Contact our friendly team today via our online life insurance form below:

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11Jun2020

Insuretech and Best Life Insurance

We discussed the use of biometrics in a previous post, and it received some interesting reactions from our readers. As insuretech continues to disrupt and innovate the insurance industry, we thought we would put together a concise view of how a best life insurance company might utilise Artificial Intelligence to improve best life insurance company products and services.

The future of insurance is changing in ways never previously imagined. Take Sprout.ai a new company based in the UK, who utilise “contextual artificial intelligence” to process insurance claims, in particular health insurance claims, faster than ever, in fact within 24 hours.  This innovative software company have recently raised in excess of $2.5 million for its “natural language processing and “optical character recognition” that allows an insurance claim to be settled within two days. An amazing feat.

For the insurance industry, one steeped in history and tradition, these insuretech startups are utilising data to bring about a game-changing new model.

Understanding Artificial Intelligence is fundamental

Artificial Intelligence includes a range of technologies from Machine Learning to Robotic Automation. It can help with every aspect of the insurance market, including claims management, compliance, chatbots and risk analysis, taking into consideration a range of factors including geography, typical end-users and various types of applications utilised by customers.

Artificial Intelligence is available 27/7, allowing customers to interact with on-demand insurance products and services whenever they want. For example, a micro event such as needing to drive a friend’s car can be handled by a robot. These Chatbots can deal with any aspect of an enquiry, from existing policy enquiries, new product purchasing and fraud issues, for both service provider and end-user AI offers unlimited possibilities.

The disruptive nature of Artificial Intelligence within the life insurance market allows the industry to become more efficient, driving competition and ensuring operational excellence. Within the current climate of Coronavirus, insurance companies are feeling the strain and these new disruptive technologies are welcome to boost sales and growth.

COVID-19 has brought about a new atmosphere of how we work, and many companies have had to rethink their operational processes and how they deal with clients including how to provide a personalised service from customer engagement to claims handling. It is challenging within a climate of social distance and staying at home. Perhaps this is the reason these tech wizards are achieving massive success, attracting staggering levels of crowdfunding to enable them to provide these personalised insurance services.

COVID-19 could not have come at a more significant time in this Artificial Intelligence revolution. Companies who were previously slow to pick up on the necessity for technical advancement and excellence have now had to alter their approach to Artificial Intelligence algorithms to enable them to advance, and quickly.

How is artificial intelligence disrupting the life insurance market?

Artificial Intelligence transforms how a life insurance company can offer its services by enabling valuable insight into client behaviour, thus allowing the best life insurance company to customise the service provided.

Artificial Intelligence technologies such as machine learning, machine vision, natural language processing (NLP), and robotic automation all have amazing capabilities to reimagine the entire insurance lifecycle process from customer acquisition to the handling of a claim. The adoption of artificial intelligence in life insurance helps insurance companies to perform mundane tasks more efficiently and rapidly, thus reaching operational excellence, increasing competitiveness in a saturated market, and boosting growth.

The role Artificial Intelligence plays in the life insurance industry allows for improved engagement with customers by allowing for a deeper understanding of the individual client. Some aspects of Artificial Intelligence intelligence can inject problem-solving techniques and automate crucial data to identify precisely unique risks during the underwriting process.

Artificial Intelligence in Life Insurance will lead to cheaper premiums

Artificial Intelligence incorporates virtual functions of understanding, reasoning and planning, providing a revolutionary reshaping of this industry, especially when it comes to premiums. For example, AI can provide extremely accurate results for risk assessment by using biometrics through fitness apps. Thus, a person who regularly works out will benefit from good health and expect to pay lower life insurance premiums.

The Internet of Things (IoT) provides insurance companies with access to broader information than ever before. With a customer’s consent, life insurance companies can access crucial data that makes up an integral part of a person’s life, thereby offering intuitive and customised products and services, including life insurance.

When we share our data, we collaborate with service providers

At the same time, many welcome the collaborating with service providers. When we provide our private data online, we share our birthdays, key moments in our lives, such as buying a house, a car or starting a family. Many customers recognise the importance of reminders about insurance or new products available on the market, especially financial products that protect our loved ones.

Artificial Intelligence is here to stay and, provided a company follows good practices for using data in ways that are acceptable and safe it can harness new possibilities with tech-driven solutions to help secure the market with consistently improved products and services.

We understand the importance of Artificial Intelligence in life insurance. But we also know that sometimes it is better to talk to a real human! Click the button below to get a friendly call from a trusted life insurance advisor. Get covered today and protect your loved ones.

 

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6May2020

Reasons to buy the best life insurance policy

When considering the financial options of life insurance, it may appear to be a step too far. For many people, having the best life insurance cover is a foregone conclusion. If you are a security-conscious breadwinner, you will know that a life insurance policy is an essential financial safeguard for your dependants, immediate family and loved ones. 

What sort of life insurance do I need?

The range of life insurance policies on offer may appear baffling, and obtaining good advice is essential. If you are ready to discuss what is the best life insurance policy, scroll down and click the button to speak to a friendly, non-pushy advisor and discover your options.

However, we can look briefly at common preferences and levels of cover available to you to ensure you obtain crucial financial protection for dependants in the worst-case scenario.

From single to joint policies, cheap life insurance to whole of life policies, the range of protection plans is vast enough to suit every individual or couple.  

Consider a term life insurance fixed to cover a specific period, for example, the duration of a mortgage. Alternatively, the most popular life insurance policies include cover for critical illness with flexible plans offered by well-respected life insurance companies. Their aim is protecting individuals when devastating illnesses prevent them from earning a salary. 

Common conditions including cancer, heart attacks, strokes and multiple sclerosis form the basis of most claims. Therefore it is easy to envisage why individuals want to cover yourself for critical illness, having a policy ready if you need to make a claim for one of these life-changing situations.

Our trusted advisors can advise on how much cover you should take out, whether it is whole of life, fixed-term life insurance, critical illness or a combination of policies. It is often surprising, going through monthly outgoings, totalling up the mortgage payments, loans, savings, utilities, shopping and the little extras that add up without us realising. Things like piano lessons, football kits, school shoes and the like.

Equal-earning couples are both breadwinners

Most fundamental is keeping a roof over their heads. In the unfortunate event of the main breadwinner or, increasingly widespread, the equal-income couple whose joint income is necessary to financially sustain the family. One will ultimately suffer in the event of halving that monthly income due to premature death. Striking the right balance is crucial, as the higher the benefit of the life insurance policy, the higher the monthly premiums. Hence, while it is tempting to over-insure, doing so may put a strain on the family finances.   

LifeInsuranceCover Services calculations

Take the time to sit down with pencil and paper and make a note of the vital elements of the family’s finances. Calculate as follows:

  • How much of your mortgage is outstanding?
  • How much is outstanding on debts, including personal loans, credit cards, and car loans?
  • How much is necessary to help with the children, for example, childcare costs, college funds, clothing and activities? You may wish to help them until such time they are financially independent.

Totting up the figures will give you an approximation of the basis of total life insurance cover required, ensuring your loved ones can wipe the slate clean.

If your family were to lose you, the grief would be one thing to deal with. With the additional possibility of losing the family home is one heartache, you can help them avoid. 

Ensuring you have enough life insurance to clear the outstanding sum owed on the mortgage will help ease the strain.

Another element to consider is funeral expenses – the average cost of a funeral in the UK is £4,000, and this figure is rising annually.

The team at LifeInsuranceCover Services is dedicated to supporting and guiding you with life insurance policies and advising on quotes. We can tackle just about any question you throw at us!

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22Apr2020

Life insurance industry during COVID-19 pandemic

https://twitter.com/hashtag/lightitblue

We continue to monitor and absorb the shockwaves reverberating around the world. As the pinnacle of this pandemic spikes, we remain shocked at the number of deaths caused directly by the coronavirus.  The team at LifeInsuranceCover Services UK, in line with the rest of the globe, stay incredibly grateful for everything key and frontline workers are doing for us, from treating patients and vulnerable people under stressful conditions to collecting the refuge and keeping areas clean and protected from the coronavirus.

Game-changing pandemic for even the best life insurance policy companies

Regarding life insurance, the future is cautiously optimistic, with heavy reliance on updated technology, using existing medical evidence to process claims quickly, admitting third party medical evidence and specialist reports for setting up new life insurance policies.

Going far to provide life insurance quotes during  pandemic outbreak

The best life insurance company and organisation will go the extra mile to pilot new schemes to make services easily accessible with virtual medical checks and screenings. The current crisis is paving the way for the future of further life insurance policy processing and life insurance claim handling.  We witness support centres offering virtual access to specialist advisors. Here you can receive practical advice provided by preferred platform communication channels including telephone, video consultation, life insurance mobile apps or secure email.

Is the coronavirus a catalyst for change in best life insurance policy practice?

Everyday life will never be the same again.  Many people continue to do their bit to halt the spread of the virus by staying at home. With the recent figures prompting the Government to extend the quarantine, working from home is an essential component to financial stability and survival.  Many of us are lucky to have embraced remote working, and digital meetings are the norm.  Provided we have the necessary tech tools working from home is straightforward and possibly become long-lasting for many industries with a rapid transition from office-based to remote working from management to clerical.  Coronavirus has been a catalyst for change.  The effect of the virus had forced us to adapt and think outside the box, stretching technological boundaries for every age.  However, there are benefits to be felt, whether it is financial, circumventing the need for expensive office space, business rates, insurance etc., to improved climate and environment due to less rush hour traffic.  The convenience of working from home is happening right now, and people will embrace this in a way they could never have imagined.

Virtual enterprise for life insurance policy industries

The switch to virtual enterprise has some negative downsides for industries where manual processing is the core of a particular sector and not easily transferred to remote working scenarios. Conversely, a preference for meeting clients face-to-face is the norm, where building rapport, gaining trust and creating new relationships are essential elements. A handshake over an expensive business lunch, clinching a deal over a bottle of wine is at the heart of many businesses.

One inevitable outcome from the pandemic is the glaring evidence of how we can adapt to change and take up the flexibility baton and run with it. When these testing times abate, the impact of COVID-19 upon the globe will continue. These are tough times, but we remain optimistic that innovation and growth will provide the tools for survival.

We continue to support you and provide best life insurance policy advice

At LifeInsuranceCover Services UK, we continue to review the situation, and we remain at your disposal, available to continue to provide life insurance cover quotes and advice, ensuring you stay protected beyond the COVID-19 crisis.  Sir Winston Churchill once stated that Life Insurance is a foundation of British society, and this portrayal is one that will continue for the future. Ensure you speak to a reputable life insurance agent today.

 

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8Apr2020

Saving money during tough times

Who needs life insurance cover in a pandemic?

The team at LifeInsuranceCover Services want to keep you up to date with the latest information, advice and offer our support during this worrying lockdown situation.

The coronavirus pandemic sweeping the globe has everyone worried about finances. Saving money on life insurance and other household outgoings for now and the unforeseeable future will help people through these worrying and challenging times. Rather than talk about the importance of life insurance, we thought we would concentrate today’s blog on how we are all in this crisis together.

More importantly, how we can control our finances to ensure we get through to the other side.

Did you know that the UK Government is doing a great deal to help people impacted, by paying 80% of the salary of employees affected by the coronavirus? The measures apply equally to those who are self-employed, with 80% of average profits over the past years paid by the Government up to a maximum of £2500 per month.

As far as paying the mortgage, a worry for most people regardless of pandemics, the Government has put in place measures to assist those affected by applying a three-month “holiday”. For renters, if you fall behind in rental payments, your landlord is not permitted to evict a tenant. Government legislation specifically prevents evictions due to non-payment of rent during the crisis.

When it comes to car insurance, even if you are not driving, you still need to have insurance for your vehicle. If this is financially difficult, there is the option to declare it as off the road with a SORN, (statutory off road notice.) For the best advice look at the DVLA website.   For vehicles with an MOT due from 31st March, the Government has extended all MOTs due from this date for six months to prevent any possible exposure to the virus.

For those in certain types of business, the coronavirus has significantly had a negative effect with bars and restaurants, cinemas and leisure centres forced to close.

Government help businesses during coronavirus pandemic

Hence, the Government has put in place measures to ease the financial burden while not trading with business rates suspended for 12 months. This measure applies across the board to all businesses involved in retail, leisure and hospitality in England and similar concessions for Scotland and Wales.

The Government is proving themselves incredibly supportive with business interruption schemes and the HMRC providing extensions on tax payments. See the link below for full details:

https://www.gov.uk/government/news/chancellor-strengthens-support-on-offer-for-business-as-first-government-backed-loans-reach-firms-in-need

Make changes to household bills and budget to save money during coronavirus outbreak

With the country on lockdown, people are mindful of energy costs and increased usage. Speak to your supplier to find out what they are doing to help people during the pandemic. If you are not satisfied, there are certain matters you can take to save money. For example, looking around for alternative money-saving energy tariffs by looking at comparison sites for the best offers available.

The process is incredibly easy and the savings can be considerable. Continually check to ensure you are on the cheapest tariff. Make use of money-saving tips such as using your dishwasher/washing machine/tumble dryer late at night.

Check your current insurances to find out what they are offering in these difficult times. Reputable insurance companies have clear guidelines to cover change of situations such as working from home. If you are using office equipment supplied by your employer, make sure it is your employer’s responsibility for this equipment.

Keep on top of day-to-day finances. If you are struggling with your mortgage, loan repayments, direct debits, utility bills then speak to the provider to organise a payment plan. Most lenders and utility companies understand that this situation is difficult for everyone, and will provide assistance as much as possible. Financial assistance includes schemes such as repayment breaks, term extensions or temporary reductions in line with your income.

Banks and building societies requested to offer solutions to help people

As we previously mentioned, the UK Government has stepped up and instructed lending institutions such as banks and building societies to offer a three-month break on repayments, waiver of interest payments, and other emergency measures. Check your bank’s website for details on what they are providing customers during the crisis. If you have not heard about what your bank or building society is offering in the way of a financial buffer, then call them immediately.

For businesses, the Government has several helpful new Coronavirus policies in place, including:

  • statutory sick pay relief package for SMEs
  • 12-month business rates holiday for retail, leisure and hospitality businesses in England with similar concessions for Wales, Scotland and Northern Ireland.
  • small business grant funding of £10,000
  • grant funding up to £25,000 for retail, leisure and hospitality business properties at a rateable value between £15,000 and £51,000
  • a Coronavirus Business Interruption Loan Scheme to support businesses with cash-flow pressures needing additional finance
  • help with tax payments via the HMRC Time To Pay Scheme

For general households, now is the time to review income and outgoings. Discover where to make savings. For example, cancel unnecessary subscriptions or regular monthly outgoings, e.g. gym or club memberships, at least until this crisis is over and we can resume normality. Check comparison sites for cheaper deals on utilities, credit cards, mortgages and speak to your bank to find out about difficulties with meeting necessary repayments.

Remember that you are not the only one concerned about finances, everyone is in the same boat, from Richard Branson to your next-door neighbour. There is no shame in admitting financial worries during a pandemic! Businesses and lenders are subject to close Government scrutiny to help their customers and to ensure sympathy.

Life insurance is still important – speak to a life insurance advisor

People without life insurance are realising the importance of cover during the pandemic and we welcome any enquiries. Our team of specialist advisors are on hand to guide you through the process of obtaining a competitive life insurance quote.

Heed the guidelines and stay safe during coronavirus outbreak

In the meantime, heed the advice by Government regarding hand washing, social distancing and staying home, measures all necessary to get us through this absurd standstill.  Most importantly, stay safe.

 

 

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