Addleshaw Goddard, Hogan Lovells, and Serjeants’ Inn Chambers named as winnersLONDON, 16th March – LexisNexis UK (LexisNexis.co.uk), a leading global provider of information and analytics, today announced the winners of the LexisNexis Legal Awards 2018 (formerly known as the Halsbury’s Legal Awards), at a sparkling ceremony held at the Sheraton Grand.These prestigious awards, presided over by a judging panel of leading figures in the legal world, celebrate the values the legal community embodies, which are... Source: RealWire
via billwells http://www.realwire.com/releases/LexisNexis-Announces-Winners-of-Prestigious-LexisNexis-Legal-Awards-2018
Barclays online savings account offers one of the highest interest rates and lowest fees available today. In this review, we cover the details to help you determine if Barclays Bank is right for you.
Barclays Bank is a relative newcomer to the U.S. online savings market. It’s been around as a bank, though, since 1690. That kind of longevity is enough to make some customers feel comfortable with keeping their money here. But you should take a second look at this bank’s online savings account offerings even if you don’t find its history impressive.
First, we’ll do a quick rundown of the account’s features. Then we’ll talk more in depth about whether or not it’s the right account for your needs.
Features and Fees
The Barclays Online Savings Account stands out for several reasons, not least of which is its APY. Here are the main features:
Banking Deal: Earn 1.55% APY on an FDIC-insured savings account at CIT Bank.
Let’s Talk Interest
As we’ve said elsewhere, with interest rates well under 2%, this shouldn’t be your first consideration for a savings account. However, it should fall on your list of things to consider. And in the interest rate game, Barclays comes out ahead of most banks. Plus, their interest rates are trending up. Just a few months before this February 2018 update, the account offered 1.30% APY rather than 1.50%. Hopefully that’s a trend we’ll see continuing!
Barclays FAQs says that your deposits will start earning that interest just as soon as they post to your account–usually within 2 or 3 days of initiating transfer.
No Maintenance Fees
These days, you really shouldn’t own a savings account that regularly charges you fees. There’s just no reason for it when there are so many excellent accounts available for free. This is just one example. There are no monthly maintenance fees, and there are no minimum balances or fees.
If you’re just starting out and you can’t put a lot into savings, this is definitely an account to consider. Some others don’t offer fee-free privileges until you have a decent balance in your account. But with the Barclays Online Savings Account, you don’t have to worry about that particular issue.
With all this said, the account does have some fees and consequences for certain savings behavior, including:
Easy Access to Your Money
One of the advantages of online accounts like this one is that you’ll have several ways to transfer money to and from the account. You can use your smart phone to deposit a check remotely. You can also link the account to external checking accounts, from which you can deposit money into the account or take it out. And you can set up direct deposit. You can also get a check by mail.
The Bottom Line
So is the Barclays Online Savings Account right for you? If you need an easy way to save money but don’t want it directly connected to your main checking account, it definitely could be. This would be a great account as part of your emergency plan, or one to save for longer-term goals like buying a home or a car. With its low fees and high interest rates, it’s definitely a winner worth considering.
via billwells https://www.consumerismcommentary.com/barclays-online-savings-review/
Leading global Oracle Platinum Partner Inoapps (www.inoapps.com) has won the prestigious 'Cloud First Partner of the Year Award' at the Oracle UK & Ireland Partner Awards 2018, held at the Landmark Hotel, London. Inoapps had been short-listed in an impressive five categories at the awards.The ‘Cloud First’ Award is presented to the partner that consistently puts “Oracle Cloud” first with its customers and that also gives them a choice of deployment routes. The award recognises... Source: RealWire
via billwells http://www.realwire.com/releases/Inoapps-Wins-Oracles-Cloud-First-Partner-of-the-Year-Award-2018
Vacations and business travel can get expensive. One option is to purchase trip cancellation insurance. But is it worth the cost? We answer that question and provides ways to get vacation coverage for free.
People who love to be prepared for every little thing when traveling usually gravitate toward trip-cancellation insurance. Others see it as a sure way to lose a few hundred dollars. That money could have been used to upgrade to first class or stay an extra night at a luxurious hotel.
Are you potentially avoiding the loss of thousands of dollars? Or are you throwing a few hundred dollars down the drain when you invest in trip-cancellation insurance? Whether or not this type of insurance is worth the investment actually depends on a few different factors. Take a look at the pros and cons of purchasing trip-cancellation insurance for your upcoming and future adventures.
What Trip-Cancellation Insurance Typically Covers
Trip-cancellation coverage will typically reimburse you for prepaid, non-refundable travel expenses. Of course, reimbursement only occurs if you’re canceling your trip for what qualifies as a covered reason. Trip cancellation insurance usually covers you in the event of an illness or injury, weather and natural disasters, strikes, military duty and some companies will even cover you if you have passport or visa issues. Keep in mind that every policy is different, and you should read the fine print thoroughly.
Most plans offer reimbursement for some or all of the following costs:
Some trip-cancellation policies seem to cover everything under the sun. Others only reimburse you for the basics. Actual approved reimbursement items and payment maximums will vary by company. You should make your trip payments using your credit card to qualify for reimbursement if you’re receiving trip coverage through a card.
What Trip-Insurance Costs
The cost to ensure a trip will vary drastically, depending on the type of coverage, the length of your trip, the destination and the ages of every traveler. However, typically, it should cost between four and ten percent of your total trip cost.
You shouldn’t let the cost of trip insurance deter you. Instead, consider the risks for any given trip. For example, if you are traveling to the Caribbean during the height of the hurricane season, you may want to find a policy that specifically offers full coverage in the event weather-related disasters.
The Pros of Trip-Cancellation Insurance
Trip-cancellation insurance can be a real lifesaver. You paying several hundred dollars to protect against losing several thousand when you purchase cancellation insurance for an expensive trip. Purchasing cancellation coverage could be a wise move if you have a chronic condition or long-term injury that can sometimes flare up and make travel difficult, unwise or impossible. It can also give you peace of mind to know that you won’t lose the total cost of your trip if a loved one with an illness requires hospitalization or passes away right before it’s time to take off.
Trip-cancellation insurance can also protect your investment in travel expenses even if nobody gets sick. Most policies will cover you in the event that your flight is cancelled due to carrier issues or weather. In addition, you can often get reimbursed through your coverage if a natural disaster occurs where you live or at the destination you’re headed to. Trip-cancellation insurance could even save the day if jury duty or some other legal obligation springs up on you and forces you to cancel your trip.
The Cons of Trip-Cancellation Insurance
Making the decision to purchase cancellation insurance isn’t easy. It typically costs between four and eight percent of the total price of your trip. Is it really worth parting with such a big chunk of money?
The biggest con to getting cancellation insurance is how confusing the process can be. The words in the fine print can sometimes come back to haunt you when you purchase a trip-cancellation policy. Many policies have very strict rules that only allow you to be reimbursed for travel expenses under very specific circumstances. Almost all policies won’t cover you if you miss a trip due to your own fault. In other words, you shouldn’t expect to get your money back for your trip if you miss a flight because you drank too much and crashed your car on the way to the airport or you didn’t hear your alarm clock going off on the morning of your flight.
Trying to provide proof and documentation even if your reason for canceling your trip does fall within your policy’s guidelines can sometimes cause a real headache. This is why it’s at least worth looking into cancellation insurance that allows you to cancel for any reason. While this is a better option for getting peace of mind, it is obviously going to be much more expensive.
Free Trip Cancellation Insurance
What if you want to enjoy the peace of mind that goes along with knowing that you won’t be on the hook for the cost of your canceled trip without shopping around for a new policy every time you travel? Frequent travelers actually have two good options to consider. The first option is to purchase an annual policy that will cover you every time you book a trip to leave the country. One such company is Travel Insurance Direct, where you can buy travel insurance starting from today. Another company is Alianz, which can help you find the best travel insurance for your needs. This type of policy is a smart choice for frequent travelers because you’ll essentially end up paying less than you would for individual policies if you take three or more international trips per year.
The second option is to simply sign up for a credit card that offers built-in travel insurance. A card like the Barclaycard Arrival Plus World Elite Mastercard® provides reimbursement if your trip is interrupted or cancelled for a covered reason and your tickets were purchased using your card.
Do You Need Trip-Cancellation Insurance?
It’s probably worth paying a few hundred dollars if you’re booking an expensive international trip that costs more than you can realistically afford to lose. Of course, it’s important to really read the details of the policies that are available to make sure that the one you choose actually offers coverage for reasons that are likely to happen to you. People who leave the country at least three times a year are much better off purchasing annual insurance. Alternatively, they could sign up for credit cards that offer travel coverage than they are trying to make sense of individual policies every time a new trip is booked.
via billwells https://www.consumerismcommentary.com/the-pros-and-cons-of-trip-cancellation-insurance-programs/
Raven Housing Trust has chosen an online customer portal from Aareon (www.aareon.co.uk). The Portal, which will offer a wide range of online services to over 6.5k residents across Surrey and Sussex, will free-up existing call-centre staff to spend more time with those in greater need. The new system allows all customers to access key services 24/7, using their own devices from the comfort of their homes. Once fully operational, the services that will be available... Source: RealWire
via billwells http://www.realwire.com/releases/MyRaven-Customer-Portal-Takes-Off-With-Aareon
A simply way to save more is to automate your savings. In this step-by-step guide, we show you how to put saving money on auto-pilot.
Recently, I’ve been doing a lot of reading about the power of habits. Books like The Power of Habit and Making Habits, Breaking Habits have given me insight into how habits work. They’ve pointed out that the vast majority of actions we take on a daily basis are habitual.
When was the last time you consciously thought about driving to work? Brushing your teeth? Eating lunch? Walking up or down stairs? Kissing your kids goodbye before school?
These actions are all habits. And that’s a good thing. Without habits, we’d have to expend way too much mental energy thinking about the things we have to do every day. Habits free us up to put our time and energy into more important pursuits, like succeeding at work or finding new solutions to old problems.
All this talk about habits has made me realize the importance of habit in finances, as well. You probably already have lots of good, and probably some bad, financial habits. You may follow a particular routine for paying your bills and tracking your budget. Or maybe you have a habit of clipping coupons before you grocery shop, or shopping around for the cheapest airfare before you travel.
But one of the most important financial habits is that of saving. Without saving money, you simply can’t get ahead financially. Luckily, creating new savings habits is actually much easier than creating new diet or exercise habits. That’s because it’s really simple to automate your savings. Automating your savings becomes a habit as soon as you set up the automation and leave it alone. And you’ll reap the benefits for as long as you leave the automation in place.
So how can you automate your savings? Here are five ways to build this financial habit.
1. Use separate accounts
If you don’t already have at least one separate savings account from your checking account, what are you waiting for? There are too many low-fee and no-fee options available today to keep all of your money in one place. And, in fact, I’d recommend setting up at least four separate savings accounts. Here’s what you should have:
Separating out your finances to this degree might seem ridiculous. But it will help you keep track of how well you’re saving. And it’s essential to automating different types of saving.
2. Set up your direct deposit
The first thing you should do is follow the old adage to pay yourself first. Luckily, this is easy for most people who have direct deposit through their workplaces. Most employers will split your paycheck at least two ways, if not more, on payday. You’re not at a high risk of spending money that never sees the inside of your checking account. So if you can take this option, do.
Just be sure that you carefully calculate your savings with this option. Look at your retirement funding first, and put at least enough into your retirement account to get any matching funds that are available from your employer. Typically, retirement funds won’t count towards your employer’s limits on the number of accounts you can use for direct deposit.
Next, if your emergency fund isn’t up to snuff, send part of your paycheck there. Once that’s funded, you can redirect your emergency savings to your long-term savings. Speaking of which, make long-term savings your next direct deposit goal. If you can, add short-term savings, as well. But if this is too many accounts, just split your paycheck three ways.
Typically, you can set up these direct deposits based on the percentage of your paycheck or a set dollar amount. A percentage-based amount can be a bit safer if your paycheck is at all variable. But if you’re a salaried employee, directing a set amount of cash to each account can make sense.
3. Set up automatic transfers
What if you can’t split up your paycheck in as many sections as you’d like? In this case, you can set up automatic transfers. Your bank will automatically route money from checking to savings on a particular day of the month, if you choose. This is a good way to continue paying yourself first, even if you run out of paycheck-splitting options through your workplace.
4. Set up other savings rules
You can set up other savings rules to help you continue to automate your savings, as well. For instance, you might transfer $10 into your savings account every time you go grocery shopping. Or you could make it a habit to transfer money to savings each time you go out to eat, buy your favorite expensive coffee drink, or spend money on new clothes. With these types of habits, you’re basically “taxing” your own behavior so that you save automatically based on things you do every day anyway.
You can also use an app to further automate your savings based on rules like these. For instance, the app/banking solution Qapital lets you set up specific savings rules. then it transfers money according to these rules. Or you could use Digit, an app that analyzes your cash flow and saves money for you automatically.
5. Keep track of your progress
Finally, it’s essential that you keep track of your progress and constantly re-evaluate why you’re saving and how you’re working towards your rules. Keep tabs on your savings account balances, and keep thinking about how those play into your goals. Then, change your automated savings as you need to. This might mean changing your direct deposit amounts, boosting your automatic bank transfers, or changing your behavior-based savings rules.
You’ll be surprised at how quickly you’ll make progress with your savings goals once you start automating your savings.
via billwells https://www.consumerismcommentary.com/money-systems-that-lead-to-success-automatic-savings/
LONDON – Media, technology and IP law firm Wiggin today announced the launch of Overmorrow Partners, a new strategic advisory business focused exclusively on the Media, Entertainment and Technology sectors. Overmorrow is led by a team of five Wiggin partners with longstanding expertise in the film, television, technology, sport, computer games, brands and publishing industries. The business is based in London but has a global mandate and will operate as an appointed representative of Daedalus... Source: RealWire
via billwells http://www.realwire.com/releases/Law-firm-Wiggin-launches-new-strategic-advisory-business-Overmorrow-Partners
We currently have a number of gorgeous new build homes available within a close distance of Gatwick – whether you are looking for a ‘base’ if you are flying ‘in and out’ of Gatwick, a Landlord looking for a new propety for your portfolio or a ‘full time’ home..take a look at these gorgeous house!
Campbell Close by Chartwell
Campbell Close, Hookwood is a stunning development by prestigious developers Chartwell. Comprising of only six properties these gorgeous homes offer high end bespoke kitchens and super stylish contemporary bathroom suites. The property is situated just minutes from Gatwick airport, the M23 and Horley train station.
All the properties benefit from off road parking (some have garages), with easy and quick access to the A217, London Road and Airport Way… you can zoom home from a busy day at work and easily park straight outside your house!
Light and airy this house has large bi-fold doors opening on to the garden from a wonderful living/ dining room perfect for summer entertaining! The two bedrooms are both double rooms with fitted wardrobes – and the Master Bedroom has an ensuite shower room.
This detached prestigious family home has four bedrooms, of which three are doubles. We love the Sun Room… with large bi-folding doors straight into the rear garden. If you enjoy putting your feet up in the sunshine this is the home for you! (With an electric door to your garage and block paved driveway, nothing could be easy at the end of a busy day!)
If you love the styling of Campbell Close…the stylist shared a few of her secrets with us!
Where to buy?
These are the items you have been asking about from the gorgeous photographs taken by Move Revolution’s in house professional photography team. We know that many of you are looking to order the sheepskin mustard yellow cushions!
Other gorgeous properties close to Gatwick
This executive brand new detached five bedroom family home is set within a quiet gated close, off of a private road on the Redhill and Horley borders. If you are looking for a wonderful family home, take a peak inside
Perhaps you are looking for a one or two bedroom apartment, take a look at these exceptional new one and two bedroom apartments (Lumley Road, Horley) in the heart of Horley town centre, with sleek modern kitchens, high spec bathrooms, video phone entry systems and an option to acquire off street parking.
And also these gorgeous new two double bedroom apartments, with sleek modern kitchens, high spec bathrooms, off street parking and video phone entry systems on Albert Road, Horley
If you haven’t found your perfect home, why not take a look at all the properties currently available with Move Revolution throughout Surrey, Sussex and Kent.
Louise Simpson heads up the Move Revolution team covering properties in the Gatwick area and all the surrounding villages and towns. Give her a call on 01737 888220 to view the properties in this blog, and book a valuation for your existing home
via billwells https://moverevolutionestateagents.blogspot.com/2018/03/looking-to-buy-house-near-gatwick.html
Online Food Retailing A Major Driver Of E-Commerce M&A Deals In The 'Amazon Economy' Reveals Hampleton Partners' Report
London, 8 March 2018 - Hampleton Partners, the international technology mergers and acquisitions advisor, releases its E-Commerce M&A Market Report today, outlining how challenging the environment is for any company providing goods and services, not just on the high street, but online in the growing ‘Amazon economy’.In an age where anything - from screws to private jets - can be purchased at the touch of a keypad, the report reveals that it was consumers' most... Source: RealWire
via billwells http://www.realwire.com/releases/Online-Food-Retailing-A-Major-Driver-Of-E-Commerce-MA-Deals
Inoapps Launches HMRC Compliant Construction Industry Subcontractor Management Application for Oracle Cloud ERP
Leading global Oracle Platinum Partner Inoapps (www.inoapps.com) has launched a Construction Industry Scheme (CIS) application for Oracle ERP. Working alongside the Oracle ERP Cloud platform, the application enables main contractors to manage subcontracted work packages in accordance with the UK Government’s Construction Industry Scheme guidelines. By delivering a seamless integration between the UK Government’s HMRC (Her Majesty’s Revenue & Customs) Portal and Oracle’s Cloud ERP technology, the Inoapps application streamlines and manages every aspect of... Source: RealWire
via billwells http://www.realwire.com/releases/Inoapps-Launches-HMRC-Compliant-Construction-Management-Application