You can calculate your debt-to-income ratio yourself, which is one of many methods mortgage lenders use to determine risk and affordability. You can quickly assess your finances and take the necessary steps to make your mortgage application more viable.
There is a stigma around getting old and the idea of having to rely on others, which can cause resistance amongst older generations; however, not everyone needs to move into a residential care home or assisted living. Call buttons are a much more effective way to provide monitored care to the elderly as they begin […]
Solar panels still work in winter, although their efficiency may vary depending on factors like weather conditions, the area in which you live, sunlight hours, and the temperature. While many people assume that solar panels are only effective in sunny, summery conditions, they can still generate power during the colder months.
When you operate a retail business protecting your goods and premises is of paramount importance. Without these in place you cannot meet the needs of your customers and consequently will lose money. It’s important to have the right security systems to prevent any loss of stock or damage to your store. When putting in security […]
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The days of being able to set up any old website and sit back for the traffic to come are well and truly over. When it is done correctly, it is a cost-effective way to promote your business and generate leads.
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Going to a high street store for your new sofa, desk or dining set is all very well, and has its place, but everyone dreams of having their own furniture made especially for their needs.
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Technology has revolutionised how people communicate in the workplace. The arrival of smartphones and instant messaging have brought communication to a new level. Communication between employees, or management to subordinates, or management to management has become quick, instantaneous, more deliberate, collaborative and unified. You can text, email, instant message or even video chat with employees […]
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Early beginnings It is always interesting looking into the history of computers and computer programs. Today’s users, even those over 50, are often surprised at how long some applications have actually been in existence. There were very few home users of the predecessor of Excel, Microsoft’s Multiplan. This has its origins in 1982, although spreadsheet […]
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Some powerful words can make a big difference in someone’s life, and being able inspire isn’t a skill reserved for a rare few. Here’s a look at six ways to make an impact. Image Credit 1. Be authentic Genuinely care for the other person and show that compassion. Be true to yourself and be confident […]
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As a child I used to spend time in my nans garden digging amongst the flowers hoping to come across some sort of treasure. I would often find bits of pottery and the odd shiny bit of glass but nothing worthy of hiding from the likes of Captain Hook! It wasn’t until many years later […]
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The refrigeration world has seen a surge in guidelines; for example, EU legislation introduced a number of implications for the long-term benefits and costs.
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At the moment, Britain is home to 15 nuclear reactors that generate almost 25% of our electricity, however government plans will see this reduce by 50% in capacity by 2025, and replace the old system of large, centralized power plants with a wider network of mini reactors. These ‘mini reactors’ will provide a third less […]
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Owning a website brings many benefits to a business, and without one nowadays, you could find it difficult for your business to thrive. With the good, comes the bad, unfortunately, and this means that having a website also leaves you vulnerable to security risks. What are these exactly?
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