Care Home Investment Opportunities For Property Investors

Care home investments are a fairly recent type of property investment, but nevertheless it is a strong preforming asset class for investors in the UK and even overseas. This commercial property investment offers an alternative to traditional buy-to-lets as well as having a significant financial return.

The Care Home Investment Market

The care home market is driven by a rising life expectancy and an increase in the number of over 65’s living in the UK. The Office of National Statistics found that 65’s and over make up 11.4 million of UK’s population, meaning the elderly make up 18% of UK’s population. This number is expected to further increase to 25% by the year 2044.

The ageing population calls for an increase in care homes and retirement housing communities around the UK. The demand for long-term health care facilities is also rising and it is forecasted that the UK would need to increase the supply of residential and nursing homes by 150% and an additional 140% increase in hours of care, which the NHS is currently struggling to uphold.

The Health and Social Care Industry is currently worth more than £20 billion and along with the increase in demand, it is easy to see why investors are utilising these figures to make a profitable investment.

Not only are care home investments helping investors to get an income with long-term high returns, but private investments within the health and social care system is also relieving the strain put on government facilities.

care home investment opportunities

Is A Care Home Investment Good For Your Pension?

When you look at an investor’s point of view, you can see that although the social and economic implications of the ageing population are complex, they still provide opportunities for property investors.

One of those opportunities is that care homes can be placed in a pension. Care homes could be perfect for your retirement fund as more and more people are using their pension savings to put into an income-generating property.

Two years ago there were new freedoms put in place that gave retirees more choice in where they can invest their pension.

Care homes are a great investment for retirement income and it can also be a good investment if you wish to live in the care home property later on in life. Even though there are more care home developments going on in the UK, it doesn’t yet dampen the seriously high levels of demand, making it an asset class with strong yields on average than other classes.

Care home investments are also fully managed by third parties and care for patients is done by employed staff, making it hands-free for the investor. There is also a long-term assurance of a 10% net rental yield per annum for up to 10 years. With prices varying at £70k-£80k, it makes a good investment for your pension.

Follow Sterling Woodrow for more updates on their latest property investments.

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How To Maintain Proper Basement Waterproofing

UHM Basements Limited

London Basement Company
Unit C220A,
Trident Business Centre,
89 Bickersteth Road,
SW17 9SH
Phone: 0208 516 7751


The standard in basement waterproofing systems for decades was to install a system for water to drain and capture water. Exterior foundation discharges are failing all over the country, causing basements to flood at great inconvenience and expense to the homeowner. Exterior basement drains are also failing all over the nation, which makes homeowners weary of getting their basements converted. Failing exterior drain systems that are French drains, furniture, books, and anything else stored in the basement they Need the water to be pumped out. Mold growth cans encourage and create. Flooding may lead lowering of foundation damage, and the home’s market value.

When drains are installed about a home, they laid to defend them around the Home from dirt and mud. In many cases, a layer of filter material is said to safeguard the material. While this solution sounds ideal sand and mud will make its way and into the drain. When they do, the entire perimeter of the base must be excavated. Your foliage, porches, gardens, steps, sidewalks, along with other landscaping located about the edge of the home will need to be removed. The process is invasive, as Well as a year after the ground has been filled back into the excavated area, it’ll settle and need to be regraded in order that water isn’t directed towards the house.

basement waterproofing

The new system that is been installed around your base is going to be the same as the old one that failed, meaning that you could anticipate a comparable situation in another few years. To make things worse, the external French drain is likely to release the water away from the base with no sump pump. Which implies that the French drain must run down-hill to be effective- a situation that is not frequently possible. French drains that release to a septic system frequently run uphill, plus they cannot release more than the holding size of the system. The entire excavation can be avoided by installing an interior perimeter drainage system.

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Drain Pipe Repair Done By A CCTV Drain Surveyor

DrainFix Services Ltd

Drain Experts in Essex
Unit 11,
Robjohns Road,
Chelmsford, Essex,
Phone: 01245 403057


Within your air conditioning, the air will condense to water because of the heating and cooling process. If you’re taking a closer take a take a look at your air conditioning, then it is possible to find a drain which runs from your ac unit which releases the water into the outside. The warmth goes down a drain pipe that’s usually white in colour. Many people panicked if they see water coming from the condensation pipe. This shows that your air conditioning is working fine. If you do not notice water flowing from the pipe, it is a good sign that the pipe is blocked.

When the warmth pipe is blocked, water begins to leak from the ground and you start to see wet stains. In the event the drain of the air conditioning stops working entirely, you will see water beginning to leak down your walls and on the floor. To call for a tech to repair the drain pipe can be very expensive. If you wish to save some money and aren’t scared of the dirty work, you can really do it on one’s own. First thing you have to do is to examine the drains of the body. Whether you have a ducted air conditioner, then head up into the roof and check the pipes.

CCTV survey

You want to make sure which the pipes are operating downwards throughout the length of your roof, to the exterior. You’ll also need to ensure that there’s nothing jamming the condensation pipes. Use a serpent or cable to remove any solid particles within the pipe. In case there are algae that can’t be removed by your plastic serpent, use a bleach solution into wash it away. Once you’ve done all of these, the warmth pipe should be clear. To test it, run water down their tubes on the roof and have someone watching exterior to ensure which their water flows smoothly down and out from the pipes. If you’re still having trouble, you should call a pro into come down and fix it for you. A CCTV drain survey will help you with drain repairs because it detects and reports drain damages accurately.

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All About Motorcycle Transporters

Safeways Car Delivery
Vehicle Transport Across the UK
33 Pelly Avenue
Phone: 07742 990 772


Motorcycle owners tend to be very picky about who gets to handle their bikes. For a person who does not own a motorcycle, the caution observed by these motorcycle owners may seem a little over the rails. However, most motorcycle transporters will disagree.

The truth of the matter is that motorcycle owners act just like any single person would were he or she concerned about a prized possession. For most owners, a motorcycles is more than just a possession. It is also a way of life and has sentimental value to the owner. If you find yourself in a situation where you have to move your motorcycle, it would be preferable if you choose the best motorcycle transporter.

motorcycle deliveryIf you have never had the luxury of moving your bike before, then this may start off being a little overwhelming for you. The truth is that there are lots of options motorcycle transporters out there in the market, all of them promising unconditional and efficient services. Unfortunately, most of these companies will disappoint you.
The best mover is one who can transport your motorcycle wherever you want to go, whether in country or out of the country. Even if you do not have to go all the way to a beaten track, it is vital to know that your motorcycle transport company would go the extra distance for you.

When you look at most motorcycle transport companies out there on the web, you can learn lots about motorbike transport. First of all, you will learn that most movers out there in the market do not fully comprehend how highly motorcycle owners value their motorbikes.

Many of the companies out there will not go out of their way to inspect the motorcycles they are transporting. They will also fail to take responsibility for the well-being of the motorbike. This is a bad sign and it should steer you clear of these companies. If you are going to hire a motorcycle mover, you will want to be assured that the company you choose understands your love for your bike.

Once you have decided on a mover, you can begin with a free quote. The best bike movers out there will provide you with an accurate free quote upfront. If not so, then you may not want to hire these movers. This free quote is just a quick way of showing you that they can quickly price your needs.

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Benefits of Gas Central Heating Systems

A. Oxley & Son Building Contractors Ltd

Builders in Manchester
112 Urmston Lane
Stretford, Manchester,
M32 9LN
Phone: 0161 635 2016


In a normal UK household the costs that go towards supplying heating and water are often seen as where half the money goes. As fuel prices rise, having it is one of the steps you can take to decreasing your emissions, and a heating system Is Essential. It is critical to understand your current heating system. Virtually all homes in the Uk have a central heating system – radiators and a boiler – electrical storage heaters are used by them. Some homes will make use of heaters That aren’t part of the main heating system that is central. This is the most typical form of heating in the United Kingdom.

A single boiler heats water up that’s pumped through pipes to radiators through the home as well as providing warm water to the kitchen and bath room taps. Some boilers have an immersion heater. Condensing boilers have heat exchangers that recover heat. Some heat is lost from the water cylinder, although A boiler is more efficient at producing water, so a combi may be more efficient. UK houses that don’t Have a boiler and radiators have storage heaters. These give the heat throughout the day, and heat up with cheaper off peak electricity. In case you’ve storage heaters, you’ll probably have a warm water cylinder heated by 1 or 2 immersion heaters.


Electric storage heating is common in apartments, property that is rented, and in homes without a mains gas link. It’s among the most expensive heating choices in the United Kingdom, and it emits more CO2 than most systems. It is also harder to control storage heaters with systems, especially than radiators. Many families use individual heaters, like portable electrical heaters or fixed gas fires, as well as their central heating.

Modern central heating systems are often much more efficient than individual heaters, however it could make sense to use a personalized heater to warmth one space for a limited time. This could help avoid over heating spaces that don’t need to be heated, or are used infrequently. Portable electric heaters like oil filled, convection, panel or fan heaters. Portable gasoline heaters that run on bottled gasoline or paraffin. A Manchester plumber will be able to fix your central heating system and carry out any plumbing installations you may need such as a new boiler.

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Ways To Declutter London

Professional Organisers in London
22 Poplar Walk
SE24 0BU
Phone: 07811 529328



There are many reasons for clutter to begin to become an issue. Perhaps it is due to having a busy lifestyle, work life or social life. Or maybe it is down to taking on too many things at once, leading to the struggle of juggling your priorities. It could even be because of certain circumstances such as moving house and having to get rid of old things and storing your more valuable possessions.

Some cases, although more rare, can be because of hording problems or problems with letting go of things that add no value to you or your home. In those cases where there is emotional attachment, it will be a lot harder to accept the fact that you are living in clutter and even harder to establish a plan to get rid of all the excess, unnecessary clutter.

Whatever the cause, there is always the next question of where to begin. Many people will put off the task of decluttering simply because it seems like a frustrating and arduous activity. Furthermore, depending on the amount of clutter you have to deal with, it may appear overwhelming. Have no fear! Here are some quick tips on decluttering methods you can use to organise your home, office or garage.


Decluttering Tips and Tricks

The Box Method –

This involves having four piles. At the end of declutter londonthe session, each pile will be filled with clutter to be dealt with in different ways. The structure will go as follows:

Box 1 – Put away or keep

Box 2 – Give away or sell

Box 3 – For storage

Box 4 – Throw away

Start off with small sections of your home or workplace. You can start off with one room or even just a small section of a room. The smaller the sections, the easier it will be to handle, which will lessen the frustration and stress you may feel.

Once you have established which area you are going to work on, go through all of your belonging and clutter and begin sorting them into the piles. You can use storage boxes, bin bags or just throw them into a heap, as long as you know which items belong in which category.

The 12 Rule –

This is another method to gradually declutter your space. The 12:12:12 challenge requires you to get rid of 12 items, keep 12 items and give away 12 items. This can be done over the space of a couple hours or an entire day depending on the amount of clutter you have.

The 12 rule also puts into perspective how many items you are keeping for no reason, which may make you even more motivated to declutter your home or office. It also gives you the opportunity to give back to the people you love or those in need as you can give 12 items away to a friend, family member or college that may need it. You could also give the items to a charity shop if you don’t feel like giving them away as gifts.

If you want more ways to declutter london, contact a Professional Declutterer and Organiser in London.

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Why Businesses Need The Help Of Bookkeeping Services

C&C Accountancy and Taxation Services
Accountants in Essex
88 North Street,
Hornchurch, Essex
RM11 1SR
Phone: 01708 471442



Do you really need bookkeeping services?


Most people view book keeping like a grudge purchase. An unnecessary evil that just eats at our profits.

But there are more than a few good reasons to hire a bookkeeper or outsource your bookkeeping. Even when you are a small entrepreneur struggling to set up operations, the bookkeeper is absolutely the one resource you should never scrimp on.

The bookkeeper could literally keep you out of jail! When I put it as simply as that, then the bookkeeper takes on a whole new lustre.

Paperwork is necessary to keep track of operations. For example, how will you know how much tax to pay the taxman? Nobody likes paperwork, more especially entrepreneurs, but bookkeepers do. They are the ones who keep you out of jail.

A second and much under anticipated aspect is: who deals with the lawyers, bankers and procurement departments? These people are professionals who expect a certain level of informed communication. The accountant/bookkeeping services can provide that.

bookkeeping services

Let’s go through how your bookkeeper can and should assist you:

· He should be able to help you by working with your lawyer on matters such as ownership structure, and type of entity you should set up.

· He should design and set up your accounting system so that you are not scrambling at financial year end

· Ensure that your types of tax are correctly classified and right amounts paid at financial year end

· Ensure that all employee related payroll tax forms are posted correctly online

· Assist you on how to separate your personal from business expenses

· Prepare your interim and year end financials and submit to auditors if required

The not so obvious things that the bookkeeper can assist you with is things like informing you about what items are deductible and applicable to you. This can make a big difference to the bottom line of a small business.

If you are not a professional accountant, then it is anticipated that you will make errors in the book keeping if you are trying to manage it yourself. This could affect your decision making regarding the business. To get high quality, accurate accounts, one should outsource the bookkeeping. This will also negate any related party transactions and bias.

As a business person and/or entrepreneur, you should spend your time doing what you are good at, because trying to do accounts that you are not proficient at, is just a waste of your time and will ultimately reflect in your business performance.

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Adjusting To Pension Bookkeeping Help

Royds Accountancy

Accountants in Eltham
43 Lovelace Green,
Phone: 020 3488 0529


There are various ways to put money aside for your twilight years as there are many different types of the pension scheme. Any saving for retirement that is arranged by an employer is called a workplace pension, which can fall into some categories: occupational, works, company or work based, for example. Workplace pensions work by automatically deducting your pay by a small percentage which goes into the pension scheme for you to be paid an income when you retire. Often, an employer and the government add money into the pension plan too. Workplace pensions are designed to provide security later in life during retirement, which is why for the most part; money can’t be taken from the fund until the employee is at least 55.

Outsourcing your bookkeeping will also take a lot of pressure of the employer. Having a reliable bookkeeper in London will help businesses of all sizes to keep a more accurate record of costs and payroll, which is something that needs to be kept track of by any auto enrolment employer.

According to the government, many workers have been missing out on pension benefits because they failed to apply to join their employer’s scheme or they were not offered access to a workplace plan. It is because of this that the government decided to make automatic enrolment compulsory.

Automatic registration requires employers to automatically enroll any eligible jobholders into a workplace pension scheme. This system must meet certain requirements and companies will also have to provide a minimum employer contribution. All arrangements are entirely the company’s responsibility.

The scheme is being phased in, with larger companies having earlier ‘staging dates’ (the date it becomes effective for them) and smaller companies later ones. Staging dates for all businesses are being staggered over six years with more and more employers being included with each month. Eventually, it will extend to employers with just one worker.

The ‘earnings trigger’ or level of earnings to qualify an employee for automatic enrolment is £8,105 or higher a year. Other eligibility conditions include age; the employee must be aged from 22 to state pension age. People who do not earn the required amount to qualify for auto-enrolment can choose to opt into the scheme, but their employer is not obligated to make a contribution.

For all workplace pension plans, the minimum contribution level is 8% of all qualifying earnings, 3% of which the employer must pay as a minimum. The company can pay more, in which case the individual will make up the difference, and they will receive tax relief on all their contributions. This contribution level is being phased in with a gradual increase so as to help employers adjust to the costs.

auto enrolment help

For some companies, preparing for the new plans has meant a lot of work. Those without pension schemes had to create one, and many companies have chosen to keep existing schemes and set up a separate auto-enrolment pension in addition. Usually, staff will be able to move to the main system after a specified amount of time has passed.

Get the most out of your accountant by getting them to outsource your bookkeeping too. A bookkeeper is useful and can save you money in the long run if you are a small business that can’t afford to hire an in-house bookkeeping service.

For employees, there is the possibility of opting out of the plan; they will be allowed to leave it at any time. To get their contributions back, however, an employee has to leave the system within one month. Otherwise, contributions made from their wages and any made by their employer will stay in their pension pot. It is also noteworthy that employees will be auto-enrolled every three years and every time they change employers.

You can see where you stand with professional auto enrolment help with a London bookkeeper in Eltham.

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What Is A Lasting Power Of Attorney?

Estate Planning Attorneys
16 Sheppard Drive
Phone: 01245 460383



Lasting Power Of Attorney.’ Sounds daunting doesn’t it. However, it is just a complex phrase for a simple legal right. If an individual is going to become incapable of making their own decisions any more they have a right to nominate a person (or people) to make their decisions for them. These could be decisions organisation of their estate, finances, welfare or care and housing.

Who can be granted a Lasting Power Of Attorney?

Whoever the individual in question nominates and trusts can be granted a Lasting Power Of Attorney (POA) as long as they are happy to take on the responsibility. There are two types of POA a health and welfare POA or a property and financial affairs POA. There are different application forms for both. A Lasting Power Of Attorney can also be cancelled should your circumstances change.

Why would you require a Lasting Power Of Attorney?

A person could require a power of attorney of a couple of reasons. Firstly, they may purely not wish to have the stress of making such decisions anymore or it may be a precautionary measure should they ever be in a position that they could not make their own decisions. Secondly, they may be mentally incapable of doing so.

How do you apply for a Lasting Power Of Attorney?

power of attorneyIn the UK application forms for Lasting Power Of Attorney can be obtained on the government’s website. A POA is intended to be applied for prior to mental decline to put in place measures that the individual is happy with in advance of no longer being in a sound state of mind to specify their desires. The individual requiring the decisions to be made on their behalf may fill out a form applying for a lasting power of attorney, or they may let someone do this on their behalf then consent to the criteria outlined in the agreement. This often occurs in cases of degenerative disorders such as Alzheimer’s and senile dementia. The POA will then come into play once the individual no longer has the mental capacity to make decisions alone. However, the POA can be used in advance of this mental incapacity should the individual provide consent to its use. One may also apply for POA for alternative reasons, such as simply feeling too old to be capable of making stressful decisions any more, or a precautionary measure, amongst other reasons. Anyone over the age of 18 can apply for a POA.

Importantly there is a preventive measure in place to make sure that no one can be forced into signing a Lasting Power of Attorney against their will. This presents itself in the format of a ‘certificate provider.’ The certificate provider is an independent third party who talks privately with the donor to ascertain whether they fully understand the rights they are giving their attorney (s). They will also sign part B of the Lasting Power of Attorney forms to validate them. A POA cannot be used immediately. If there are no problems with your application for a POA it should take up 9 weeks to be registered and validated. The POA must be registered with The Office of Public Guardian before use.

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Tips for Finding the Right Civil Engineering Company London



Things To Look For When Hiring A Civil Engineering Company London


The primary role of a civil engineer company is to plan, manage and develop construction projects for their clients. These companies offer a variety of services for both private as well as public development projects. The services provided by a construction company usually include planning and designing, consultation, construction management as well as servicing among others.


They are a number of companies in the civil engineering sector but it is important to choose the right civil engineering company London to ensure that the construction project is completed on time and within the budget. Here is a list of some of the factors that you need to consider while choosing the right civil engineering company.


One of the most important things that you need to look at is the accreditation of the company. The company needs to have all the appropriate licenses and permits issued by the relevant authorities to ensure that they are able to complete the work on time and without any issues.


Another important factor that you need to consider while choosing a company is to take a close look at the experience of the company with regards to the kind of project that you are going to develop. For instance, if you are planning to hire a company for constructing a new warehouse for your business, you should look for a company that has experience in developing similar projects in that particular area. Keep in mind that engineering companies specialize in different kinds of works and therefore, you need to hire a company with experience in that particular type of project.


Cost is always a factor when you are choosing a company for your development projects. While every company has civil engineering company londondifferent fees and charges, you should not hire a company solely on the basis of cost. You need to create a balance between the cost of hiring the company and the quality of service offered by the firm. Do not forget that ultimately you are going to get what you pay for. So, take into consideration quality of the work done by the company in addition to the cost.


A civil engineering company London needs appropriate equipment and personnel to complete the projects on time. Therefore, you need to choose a company that has the ability to deliver required personnel and equipment to complete the project on time. The best way to find out whether they have the required personnel and equipment is to talk to their previous clients and get an idea about the past client’s experience in working with the company.


Overall, these are some of the factors that you need to consider while choosing a civil engineering firm for developing your project. Keep in mind that many companies may quote a lower price just to win the contract but more often than not, such companies cut corners on quality of the building material and workmanship. Therefore, you should ask for estimates from multiple companies to ensure that you are getting quality construction work at a reasonable price.

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The Benefits Of Online Bookkeeping


Office Admin and Accountancy Services
Unit A, The Laindon Barn
Dunton Road
SS15 4DB
Phone: 01268 411269




An important part of running a business is keeping accurate financial records. Tracking sales, inventory, payroll, and other financial transactions is essential — not only so you know how your business is doing, but also so you can file your taxes correctly at tax time.


Traditionally, most businesses hired an in-house bookkeeper or purchased software to use on their own. These days, however, more and more people are managing their accounting services online. Here are just a few of the benefits of online bookkeeping:



1. Intuitive and Easy to Use. Most Internet-based bookkeeping programs are designed to be extremely user-friendly. You don’t need to know a lot about accounting in order to use them. Instead, the program automatically puts information where it needs to go when you update it. That means that you don’t have to spend a lot of time learning a complicated software program.



2. Convenient. Keeping your accounting records online means that you can access them whenever you need them. You don’t have to be at the office in order to see how your business is doing financially, or to enter records into your accounts. Instead, as long as you know the secure password, you can log in from anywhere and have instant access to the information that you need.



3. Paperless Record Keeping. Anyone who has owned or worked at a business that keeps paper records knows just how tedious and time-consuming dealing with paperwork can be. Not only does it take a lot of time to file and sort papers, but it also takes a lot of space. Many businesses have filing cabinet after filing cabinet filled with old documents, most of which will never be looked at again until it is time to shred them in a few years. With online accounting services, on the other hand, your records are stored in the cloud. This type of paperless storage is a smart way to keep the information you need without getting overwhelmed by papers.



4. Secure. One thing many business Online Bookkeepingowners balk at when considering taking their accounts online is security. They are worried that their information won’t be safe if it is stored on the Internet. However, nothing could be further from the truth. Companies that deal with online bookkeeping employ some of the highest security measures in the world. Think of it this way: you trust your bank to store your information online. Why would an online accounting firm be any different?


As you can see, online accounting services offer a number of unique benefits to businesses of all sizes. Not only are they easy to use, but they also make it convenient to access your records. Your data is stored securely, well-protected from prying eyes. Keeping your financial records online also eliminates the need for paper storage, which can save both time and space at your place of business. It is easy to see why more and more businesses are turning to online solutions to handle their company’s accounting needs.

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Hiring Advice To Help You Select The Best Accountants Essex


Accountants in Essex
Unit B, The Laindon Barn
Dunton Road
SS15 4DB
Phone: 01268 330162




As a business owner in Essex, you should be aware of the fact that your choice of an accountant can make or break your business. An accountant is privy to a great deal of extremely sensitive information, not to mention having access to your assets. If you hire the wrong accountant, you stand to lose a great deal. Even if the accountant you hire is honest, but not competent you risk a lot. Additionally, it can be very hard to get rid of a bad accountant and the hiring process for a new one can be lengthy and costly. It’s easy to see that your choice of accountants Essex has a tremendous impact on your bottom line. In this article, we will provide some sound advice to help you make a wise choice when selecting just the right accountant to provide for the money management needs of your business. Read on to learn more.



Naturally, when selecting an accountant to entrust with your company’s private information, you will want to find one who has a solid showing of impeccable references. Be sure to require at least three written, verifiable references. Take the time to check them all, and eliminate any candidates whose references leave you even the least bit uncomfortable.



Once you have narrowed the field to people who have good, verifiable references you should check qualifications. Be certain that the candidates you are considering are properly educated by an accredited program. Check to be sure they have all required licensing and certification in place and up to date. Eliminate those who do not.



At this point, you should check employment history. Get in touch with former employers regarding your potential candidates’ job performance, work ethic, honesty and ability to work with others. Again, if anything leaves you feeling uncomfortable about a candidate you should eliminate that person from the running.

accountants essex

Having thoroughly vetted your accounting hopefuls, you are now ready to perform interviews. By sorting your candidates based on the ostensibly factual information presented on their applications and resumes, you will have made dispassionate choices and eliminated the possibility of being dazzled by a winning personality or bamboozled by a flim flam artist.



As you interview your candidates, look for those with whom you feel very comfortable. Communication should be clear and open. Your ideal candidate should be knowledgeable and confident in his or her answers to your inquiries. As with all other stages of the hiring process, you should eliminate any candidates who leave you feeling even the least bit uncomfortable. Your goal is to hire a team member with whom you can build a successful, long-term, working relationship.



While the advice presented here is mostly geared toward hiring an on-staff accountant, it can also be applied to selection of free-lance accountants Essex. Sometimes independent contractors who offer a service take a position of being in charge. It is very important for you to remember that you are the one providing employment; therefore, you are in charge. If an independent contractor does not want to provide you with a resume and references and go through a vetting and interviewing process, it is clear that this person is not the right choice!



When hiring an independent contractor to take care of your accounting needs for your Essex business, you should follow the guidance presented here and ask a few more questions to determine how the contractor runs his or her business. Ask about price structure, find out about hidden fees and determine that the accountant provides prompt and courteous customer service. For example, he or she should return phone calls and answer emails promptly. The accountant should have a solid history of always showing up on time for meetings and appointments and always meeting deadlines.



Hiring an accountant is an important task. Ideally, you want to make the right choice once and not have to go through the process again and again. When you follow the advice presented here, you can be sure of finding just the right accountant to take care of the money management needs of your Essex business.

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The Difference Between Conveyancing Solicitors And Conveyancers


McCorry Connolly Solicitors
Solicitors Romford
8, Holgate Court
4-10 Western Rd
Phone: 01708 727269



If you have a company that purchases property regularly, which is subsequently sold to buyers in the your immediate area, you are probably doing hundreds of transactions every year. In order to keep track of all of the paperwork, and the legalities involved, you will need to retain a conveyancing solicitor. These are individuals that understand real estate law, and can easily draft of documents that you will need to do each transaction. However, an option that many people have considered is using a licensed conveyancer instead, thinking that the lower price for their services will actually be the better choice. Let’s take a look at what each of these professionals actually does, and then why you should use conveyancing solicitors instead.

What Does A Conveyancing Solicitor Do?

These are qualified lawyers that are able to act on your behalf when you are doing any type of real estate transaction. They have extensive training, capable of comprehending any and all legal ramifications that may occur as a result of the acquisition of, or the selling of, any type of property. They can also offer you full legal services if you ever need to go to court, which can be very useful with larger transactions. If you stand to lose a substantial amount of money on your next transaction, it’s good to have one of these solicitors on your payroll. However, wouldn’t it just be as useful to have a conveyancer on staff instead of a qualified lawyer that will cost you substantially more? Let’s look at what a conveyancer does, and how their area of speciality might be exactly what you need.

What Does A Conveyancer Do?

These professionals are fully licensed to deal with property transactions, and are well aware of the laws involved. They will have extensive training, but perhaps not as much as a qualified lawyer, nor will they be members of the Law Society. They must be part of the Council for Licensed Conveyancers in order to legally provide their services. In fact, most of the conveyancers actually work for solicitors as they can complete all of the necessary mundane tasks involved with real estate transactions. So is it better to have a solicitor or a conveyancer on your staff if you are doing many real estate transactions every year? The answer is actually very simple, and it depends upon the size of your company when making this very important decision.

Choose A Solicitor Possible

If you are a very large company, one that does transactions every single day, you need to have a qualified conveyancing solicitor on your team. They will know exactly what to do, not only with the property, but will have inside information that you will need from a legal perspective. This is important when doing large transactions that can yield a substantial amount of money. You could actually make more money because they will avoid unnecessary mistakes that a new conveyancer might make straight away. This is not to say that a conveyancer is not a professional, but if they do not have years of experience in this field, nor are they aware of legal problems that may arise, it will help your company become more profitable as you avoid potential lawsuits doing the many transactions that your business will handle throughout the years.
conveyancing solicitors
Now that you know the difference between a conveyancing solicitor, and a licensed conveyancer, you should see that each one plays a specific role. If you are a small company, or an individual, that is doing a real estate transaction, then a conveyancer might be all that you need. Yet to be as safe as possible, if you are doing real estate deals all the time, you need to have in-house conveyancing solicitors. They will make sure that every angle is covered, making sure that you will have no problems at all with your transactions, and if there are problems, can easily represent you in court.

Get in touch with McCorry Connolly and visit their website here.


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Where Can I Sell My Van Online?


Do you have a vehicle that you are looking to sale? If so, you may be asking yourself, “Where can I sell my van online?” Luckily, you have many options to list a car, truck, SUV, van or other vehicle where many potential buyers will see what you have for sale, which means you can quickly get money for your van. Before you begin, though, there are a few things that you should do.


First of all, make sure your van is in good condition. Look over it, possibly bring it to a mechanic, or look at the condition of your van yourself. This is best before finding the best place to sell my van online. Knowing the exact condition of the vehicle will allow you to list it as accurately as possible and answer questions as they arise.


Next, thoroughly clean the inside of your van. Cleaning out the van will allow you to find any items you may have forgot about that are in the vehicle. It will also allow you to take the best pictures possible as you list your van online. Make sure to clean all floors, the ceiling, the seats, the dash, and every inch of the van’s interior.


sell my van onlineAfter that, you can do some research on the van. It is best to find out if there are any recalls. If so, you should be able to get them taken care of. Also, you can find out how much the van is worth. You will need to know how many miles are on the vehicle, it’s condition, the features, and everything that the vehicle contains.


Now you are ready to list your van. It is important to share every single detail involved. You do not want a buyer upset because you failed to share something that was not important to you, but is quite important to them. You can also save some time answering questions by sharing any and all information about the van upfront in your listing instead of answering endless questions.


Selling your van online is a great way to get it viewed by many potential buyers. Not only that, but you can place all helpful information on the listing and sell it for more than other options. Use what you learned here and you will be glad to sell your van on the internet for more than you thought possible.

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Recent Business News

The US Treasury now has a plan to recapitalize Fannie Mae and Freddie Mac. The US government is taking over both entities, and plans to add $15 billion each. The entities also had $20 billion of negative equity, so the cost to US taxpayers is $50 billion. New executives will be named to run the entities. This will sooth investors who have bought 1.4 trillion of Fannie and Freddie mortgaged backed paper. Many central banks and foreign institutional investors own that paper, so this news is calming to the market. Every investor believed the US would back that paper. It is good that Paulson arranged the bailout of these entities: they guarantee $6 trillion worth of mortgages in the US. Many Americans would not have homes without these entities guarantees of mortgage loans. So this was important to give confidence to investors in US securities, and calming to large US brokers and investors. I hope these entities will be better managed going forward.


The jobless rate increased to 6.1% in August from 5.7% in July and 5% at the end of 2007. Total job losses for 2008 have been 605,000 jobs. In prior downturns, the average monthly job losses have averaged 150,000 per month. So, we can be thankful that we are averaging about 75,000 per month, or less than half of normal job losses. That means that outside of housing, real estate, construction, retail, and some financial firms, we are not doing too badly. 6.1% was the peak jobless rate in September 2003, just before the market started going up again. Our jobless rate could be much news


US GDP grew 3.3% in Q2, after .9% in Q1. Our exports are driving the GDP growth. Without the drag from financials and real estate, our GDP would have grown 4%. In the first six months of this year, US export growth was up 23%, more than China’s at 17%. We can be very proud of our exports. The downside to our growth is that as the world economy slows, and it is slowing everywhere, including China, that our export growth will slow due to our trading partners growing slower.


As for companies, Bank of America announced it was settling with state and federal regulators over its sale of auction rate securities. It will be writing down assets in the 3rd quarter, probably at least a billion or so, due to these securities. Merrill Lynch was downgraded by Goldman Sachs, who believes Merrill will have to write off more than its $5 billion projection in the 3rd quarter. Google released its new browser Chrome, a competitive move against Microsoft. Retail sales were strong at Wal-mart in August, with same store sales growing 3%, while same store sales fell 2.1% at Target. Lehman Brothers is in negotiations with the South Korea sovereign wealth fund. They are disagreeing about the valuation of Lehman-but Lehman needs the money, and I think a deal will get done.


The Markets
Economic worries pounded stocks. Last Thursday, the major indexes (S & P 500, Nasdaq Composite, and NYSE Composite, DJIA were all down 3%. The markets were recognizing most economies are growing very slowly, and weak retail sales were reported. The big four European economies have been showing weakness for some time. Germany reported that industrial production fell 1.8% in August, its fourth straight month of lower production.


Energy and Materials led the sell-off on Tuesday, falling 5% and 3% respectively. These sectors were the market leaders until June of this year. Now Medical and Consumer Staples (food, pharmacies, tobacco) are leading the market, but losing momentum. Financials and Consumer Discretionary (discretionary retail, homebuilding, high end retail) are starting to take over sector leadership. Technology was very weak last week. So what does this mean? It means that money is money out of energy, materials, medical, consumer staples, & technology, and moving into financials and consumer discretionary stocks. Sector leadership is very important, as the next bull market will be led by Financials, Consumer Discretionary, and small cap stocks. So this is a good start. We have more things to work through before we start a new bull market, but we are making progress.


YTD, the S & P is down 15.4%. Only the Dow Transports are up of the major US indexes, up 6.96%. So far in 2008, the NYSE Composite is down 17.5%, the NASDAQ Composite is down 14.9%.


In the past three months, medical and healthcare is up 5.2%, and an Investors Business Daily’s (IBDs) consumer
index is up 2.96%, and IBD?s bank index is up 4.01%.

The S & P 500 is down 8,7% in the past three months, the DJIA is down 8.1%. The Russell 2000, a small caps index, is down 2.91% in the past three months. So, on a relative performance basis, small caps are doing best.


Most international indexes are down. China?s two indexes are down 56.7% and 61.9% respectively, Hong Kong is down 26%, Brazil is down 16.2%. Morgan Stanley?s developed markets international index is down 17%, and their Emerging markets index is down 26.8%. In the past three months, international markets are falling faster than the US. Most people would benefit by decreasing their international allocations, as most markets have further to fall. (Economist)

Interesting facts:
Firms are rethinking US treasuryshipping costs and reducing those costs by redirecting freight from air to ship, and from truck to rail. Also, firms doing Just in Time inventory delivery are finding small shipments are expensive due to transportation costs, so they are now optimizing their inventories based on delivery (transportation costs). Some companies that have outsourced or off-shored manufacturing are rethinking their decisions. Dell is saying they see the global economy slowing down, as orders are slowing.


Conclusion: September and October will likely be volatile months, as was July. August received the benefit of lower commodity costs, which reduced margin pressures, and we saw very low volatility, with a reading of about 20 on the VIX. The VIX closed today at 22.64. I expect that the VIX will hit 30 in either September or October, and we will hit new lows in the S & P, in the 1200 range or below. I think it is time to reduce international exposure, and overall decrease equity allocations across the board. Once we have penetrated old lows, we should be on firm ground to start a new bull market. We will have to see what September and October brings.


Best regards,
Brent Johnson, CFA, CFP
Wealth Design Group
Mobile 713-598-3202

* Registered Representative and Financial Advisor of Park Avenue Securities LLC PAS.
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The Benefits Of Business Mentoring That Can Make You Successful


Managing a business and leading it to success isn’t easy. It requires skills and experience, so beginners don’t stand a chance. They can learn by reading books about business management or by trial and error, but may may run out of money before managing to make their business profitable. This is why you shouldn’t ignore the benefits of business mentoring, as this kind of assistance can provide you all the tools you need to succeed without having to make big mistakes that may cost you the entire business, if not more.


This is Where a Business Mentor Can Come in Handy

Having a business mentor can provide you support in making important decisions. A good mentor can assist you in developing your own set of business skills which are going to serve you for the rest of your life. Additionally, he or she may be able to put you in touch with important business contacts. As mentors love to share their knowledge and experience with others, they are open to teaching their students and followers everything they know. They are proud of each and every success of their disciples, no matter how small. Besides, they can analyze your business decisions and provide you useful feedback.

Big businessmen of all times had mentors when they first started their entrepreneurial journey. They developed solid and lucrative business mentoring relationships. Some of them decided to pass on this knowledge and became mentors at their turn, teaching young business owners the basic principles of managing and growing a company in a healthy and profitable way.

If you seek for performance, you need guidance and coaching, no matter which field or activity or industry you are in. Top sportsmen need coaches, top business owners and managers need strong and savvy mentors. This is the fastest way to understand all nuts and bolts of business development, so there’s no wonder it has become a real trend over the past few decades.The benefits of business mentoring

Mentors in Business

You can have a real life mentor to guide you and give you real time feedback on your actions or decisions. However, you can also choose a spiritual mentor and follow his business principles. It’s possible that your virtual mentor is not longer alive, yet you’d try to figure out what he’d think about your most important business decisions.

This is only a glimpse into the benefits of business mentoring. If you want to know more about the multiple ways a mentor can help you, you can get in touch with a few of them and ask them to tell you more about their vision and about the way they see an eventual cooperation between you. Always try to determine whether there’s a certain degree of compatibility between you and the potential mentor. This is extremely important and it can be the key for the entire process to work. You may need to listen to some harsh feedback, so you have to be able to see it rather as constructive criticism and not take it personally. This is hard if you aren’t on the same wavelength with the other person.

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